...Having a financial plan is a crucial part to everyone. Knowing how much money you have in your account, and how much money you can take out from your account allows for quick access, thus avoiding hardship. Various accounts are used for different reasons. One should know the difference between the accounts, so that when they need to either deposit or withdraw money, they do it more efficiently and correctly. As for me, I would create a financial plan including a few accounts that will be used for different occasions. One account that I would open would be a savings account. Savings accounts are usually used to save money rather quickly for future uses. Savings accounts have higher interest rates than others. With college coming up, a savings account is a good option for me because education does not come at a cheap price. The money that I deposit would gain in value with the interest rates that coincide. A second bank account that I would open would be a checking account. Different than a savings account, a checking account is meant to be used on a daily basis and not really meant to save money like a savings account. With a checking account, I would be able to deposit and withdraw money at any time, depending on what I need it for. For example, if I want to make smaller purchases, I would withdraw money out of my checking account to pay for the item. In addition, another benefit of a checking account is that i would be able to access ATM's and have a debit card. In case...
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...The subject of debt and managing money is a topic most young adults pay little attention to. Not because they aren’t interest but because they don’t understand the importance of the subjects. In the seminar that took place last week I learned some valuable information that wouldn’t just help me in my young adult years but for a lifetime. For every teen when you reach the big one eight it feels that you gain so much more freedom. You’re now considered an adult and the credit card companies began to start sending you all these offers. However, with this new found freedom comes responsibility. To people who don’t know the risk of getting credit cards this may be a bad road to go down. Yet, I’m not saying that credit cards are bad, what I’m saying is that you have to be responsible. Credit cards should never be used as a long term tool. Everyday expenses should not be charged on your credit card but should be budgeted. It will come out being a lot more expensive charging a 5 dollar hamburger, than just budgeting it in to you weekly spending. Some people really don’t know the true cost of a charge transaction. An example was given to me during the seminar I attended. Sample: $1000 purchase @12% APR paying monthly min. = 9.3 years/interest paid =$513.36. Therefore you end up paying more than half of what your initial purchase was in interest. So when considering a credit card you really need to know what you’re using it for. It’s best to limit the amount of “junk” credit cards, for...
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...HARRIS-STOWE STATE UNIVERSITY Anheuser-Busch School of Business MIS 0305 Business Applications Software/Networks Summer I Semester, 2013 |Instructor: Roy Stewart |Credit Hours:3 | |Office: B11 |Home Phone: (618) 667-1885 | |Office Hours: TBA |Office Phone: (314) 877-0052 | |Class Meeting: Online |Room: Online | |E-mail: K_able2000@yahoo.com |E-mail: Stewartr@hssu.edu | Course Description: This course introduces the student to word processing, spreadsheet, database, file management and other related topics. Required Text: "Microsoft Office 2010 Brief", Course Technology Cengage Learning, Boston. ISBN: 978-0-538-74308-2 HSSU Hallmarks of Student Learning and Development: In pursuit of its mission, Harris-Stowe State University is dedicated to promoting student growth on five areas which are regarded as the “hallmarks” of student learning and development: effective communication skills, interpersonal growth, critical thinking, workplace readiness, and understanding of and appreciation of diversity, 1. Effective Communication...
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...1 ANNUAL REPORT 2014 Table of contents ABOUT THE COMPANY Letter of Transmittal Corporate Information Milestones Board of Directors and Management Brand Values Products 3 4 5 6 -8 9 10 OPERATING RESULTS Summary of Key Operating & Financial Data 11-12 AGM & COMPANY PERFORMANCE Notice of 35th Annual General Meeting Chairman’s Message to Shareholders Report of the Board of Directors 13 14 ANNUAL REPORT 2014 15 - 19 1 Table of contents COMPLIANCE REPORT Corporate Governance Compliance Report 20 - 38 FINANCIAL RESULTS Auditors’ Report to the Shareholders Statement of Financial Position Statement of Comprehensive Income Statement of Changes in Shareholders’ Equity Statement of Cash Flows Notes to the Financial Statements Unit-wise Working Result Schedule of Non- Current Assets Certificate on Review of financial statements PROXY FORM 39 - 40 41 - 42 43 - 44 45 46 - 47 48 - 80 81 - 82 83 - 84 85 ANNUAL REPORT 2014 2 Letter of Transmittal December 6, 2014 Esteemed Shareholders Bangladesh Securities and Exchange Commission Dhaka Stock Exchange Limited Chittagong Stock Exchange Limited Registrar of Joint Stock Companies and Firms Dear Sir or Madam, Subject: Annual Report for the year ended June 30, 2014 It is our pleasure to inform you that the 35th Annual General Meeting of Olympic Industries Limited will be held on Wednesday, December 24, 2014 at 10:00 AM at our 2nd biscuit factory premises at Lolati, P.S. Sonargaon, District...
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...at 3:00 p.m. N I S S A N E L G R A N D I N F I N I T I F X 3 7 R E N A U L T M E G A N E R S CONTENTS 02 03 05 09 10 14 17 25 27 28 31 Corporate Information Business Divisions Report of the Board of Directors 8 Years Financial Highlights Profile of Directors Corporate Social Responsibility Report Corporate Governance Statement Internal Control Statement Other Statements and Disclosures Audit Committee Report Daily Share Price & Volume Traded on Bursa Malaysia Securities Berhad 33 Financial Statements 133 Ten Largest Properties of the Group 134 Shareholders’ Statistics 137 Notice of Annual General Meeting Form of Proxy CORPORATE INFORMATION Directors Dato’ Tan Heng Chew Executive Deputy Chairman and Group Managing Director Dato’ Ng Mann Cheong Senior Independent Non-Executive Director Dato’ Haji Kamaruddin @ Abas bin Nordin Independent Non-Executive Director Seow Thiam Fatt Independent Non-Executive Director Siew Kah Toong Independent Non-Executive Director Dato’ Khor Swee Wah @ Koh Bee Leng Executive Director Ling Ou Long @ Ling Wuu Long Executive Director Ho Wai Ming Executive Director Audit Committee Company Secretaries Yap Bee Lee Chang Pie Hoon Registered Address 62-68 Jalan Ipoh 51200 Kuala Lumpur Telephone : (03) 4047 8888 Facsimile : (03) 4047 8636 Website : www.tanchong.com.my E-mail : tcmh@tanchong.com.my Registrars Tricor Investor Services Sdn Bhd Level 17, The Gardens North Tower Mid Valley City Lingkaran Syed Putra 59200 Kuala Lumpur...
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...Corporation (EPIEC) . From there he gained a lot of working experience and knowledge which made him to success in his business later . Business Motivation and starting One of the motivating factors was his father’s dream of his establishment in the society and another factor was after the independence of Bangladesh Aminul Islam realized that a new country has been born, therefore, a lot of construction will be needed for the development of the country and that is when he came up with the idea of Project Builders Limited. He proposed the idea to three other recent BUET graduates and they agreed to start with this new business. After the death of one of the partner and other two sold their share currently Aminul Islam is the only Managing Director and Chairman of Project Builders Limited. Vision The vision of Project Builders limited is to make quality constructions and make a strong infrastructure development of the country. Mission Construction of important structure and projects and to become the number one construction builder in Bangladesh. Initial Finance The company was initially started with four partners along...
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...This paper is about the complexity of managing organizations. As theoretical groundwork the book Organising and Managing Work by Tony Watson will be used. The book by Tony Watson covers issues about organizational, managerial and strategic behavior. In particular, the author argues for a critical common sense and the use of philosophical pragmatism (Watson, 2006). He also questions the way work is organized and managed. Finally, the process-relation perspective, a critical perspective of how to think about organizations and their relations and interactions with people, is taken by Watson (2006). This paper will start with a description of the two theories “System-control framing” and “Process-relational framing”. Afterwards the three concepts strategic exchange, negotiated order and double control will be defined and exemplified by different cases from the course. Finally, the paper will look into the complexity of managing knowledge at organizations supported by examples from Danone and McKinsey. In the field of leadership and management studies, there are two main perspectives “System-control framing” and “Process-relational framing”, which can help to analyze and make sense of complex organizations. The system-control perspective recognizes organizations as an entity that is “a system of managerially designed rules and roles existing on its own terms […] based on an organization design with a set of structural and cultural characteristics” (Watson, 2006, p.30). According...
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...INTRODUCTION: Euroland Foods S.A is a multinational producer of high quality ice cream, yogurt, bottled water and fruit juices. Its products are primarily sold throughout Scandinavia, Britain, Belgium, the Netherlands, Luxembourg, western Germany, and northern France. In early January 2001, the senior management committee of Euroland Foods S.A was called together to come up with the firm’s capital budget for the new year. There were 11 projects up for consideration that the committee was faced with and had totaled more than (euro) EUR316 million. Unfortunately the board of directors had set in place a spending limit of EUR120 million. Even with this restriction the investment at this rate would cause a major increase in the firm’s current asset base of EUR965 million. The firm’s main challenge was to allocate the funds among a range of projects to satisfy the following: new-product introduction, acquisition, market expansion, efficiency improvements, preventative maintenance, safety, and pollution control. BACKGROUND OF FIRM: Theo Verdin, a Belgium Farmer, as an offshoot of his dairy business, founded Euroland Foods S.A in the year 1924. Theo paid great attention to product development and marketing, and because of his close attention to detail the firm had grown steadily over the years. The company had gone public in 1979, and by 1993, was listed for trading on the London, Frankfurt, and Brussels exchanges. In the year 2000, Euroland Foods S.A had approximately...
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...Red Herring is a preliminary prospectus which a company files with Security and Exchange Commission (SEC), before going for an initial public offering (IPO). This prospectus contains most of the information regarding the company's operations and functioning, but does not include important details of the issue such as its share price and the number of offered share. The term "red herring" is derived from the bold disclaimer in red on the cover page of the preliminary prospectus. Red Herring is a registration process in which documents are files with SEC, but this prospectus is yet incomplete because SEC has to make it effective. This prospectus is not the final statement of company, it may be changed. During this period of registration, the company is not allowed to sell and offers the securities until and unless the registration statement becomes effective by the SEC. In this prospectus there is no mention of price and number of share issue. The red herring prospectus tells about the business of the company, its proceedings, market potential for doing business in their products and services, financial statements, details of key persons in the company, major shareholders, pending litigation, etc. After registration statement became effective, final IPO price and issue size of shares is informed. The lead time of registration statement is about 20 days, after this date the registration statement becomes effective. It is required to mention that SEC has not approved the...
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...LETTER OF TRANSMITTAL 7Th August, 2012 Mr. Muhammad Zia Kayani Course Instructor for Company Law(MBA-R3Y) Institute of Business Management Dear Mr. Kayani: We are pleased to submit our report on topic Directors of Company While engaging ourselves in making this report, we gained useful information related to the procedures of election of directors and also find the eligibilty criteria for the election of directors other issue related to director of company. We have worked hard in making this report. We hope that it will fully serve its purpose. We appreciate your support in making this report and we also look forward to your feedback which will be helpful for us. Please check the enclosed report. Sincerely, Syed Abid Haider Mohammed Waqas Manzoor Encl. (1) LETTER OF ACKNOWLEDGEMENT All thanks to Almighty GOD, who is most merciful, who granted and helped us to work on this report. We would like to express our gratitude towards our parents for their kind co-operation and encouragement which helped us in completion of this report. We would also like to extend our gratitude towards our faculty Mr. Muhammad Zia Kayani, who gave us an opportunity to do a research and to make a report related to our course outline. We have made a report on Directors of Company Respectfully yours, Syed Abid Haider (12784) Mohammed Waqas Manzoor (12782) TABLE OF CONTENTS 1. LETTER OF TRANSMITTAL 1 2. LETTER OF ACKNOWLEDGEMENT 2 3. TABLE OF CONTENT 3 4....
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...RETAIL FOOD GROUP is a leading Australian retail food brand manager, franchisor and wholesale coffee roaster. It designs, develops and manages franchise systems and is the intellectual property owner and manager of the following retail and coffee brands: Donut King, Michel’s Patisserie, Brumby’s Bakery, Esquires Coffee Houses, bb’s cafe, Evil Child, Roasted Addiqtion and Barista’s Choice. For the 6th consecutive year since Listing (in June 2006), Retail Food Group continued to deliver enhanced performance and record outcomes for stakeholders. NPAT and EPS 6 year cumulative annual growth rates (cagr) of 35.8% and 24.2% respectively, reinforces Retail Food Group as an enterprise with franchise systems, business model and revenue streams capable of significant growth. NPAT Core NPAT EPS (Basic) 30 30 25 25 20 20 15 15 10 DPS 10 5 0 5 FY07 FY08 FY09 FY10 FY11 ($m) Revenue 140 FY10 FY11 0 ($m) FY07 FY08 FY09 FY10 FY11 FY08 FY09 FY10 FY11 (cents) Net Operating Cashflows Adj. Revenue 120 25 80 20 60 15 40 Net Debt Reduction 30 100 (cents) 10 20 0 5 FY07 FY08 FY09 FY10 FY11 ($m) FY10 FY11 0 ($m) FY07 FY08 FY09 FY10 FY11 ($m) Outlets Network Sales 700 600 1200 500 1000 400 800 300 600 200 400 100 200 0 FY07 FY08 FY09 FY10 FY11 ($m) 0 FY07 FY08 FY09 FY10 FY11 FY10 FY11 ($m) ...
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...Management and Internal Control 41 Board Committees 51 Corporate Social Responsibility Financial Statements 56 114 116 120 122 123 126 127 • Financial Statements Additional Information Particulars of Group’s Properties Plantation Statistics Share Buy-Backs Summary Analysis of Shareholdings Directors’ Shareholdings Notice of Annual General Meeting Proxy Form Hap Seng Plantations Holdings Berhad | Annual Report 2014 Corporate Information BOARD OF DIRECTORS Tan Sri Ahmad Bin Mohd Don Independent Non-Executive Chairman Datuk Simon Shim Kong Yip, JP Non-Independent Non-Executive Deputy Chairman Tan Sri Abdul Hamid Egoh Non-Independent Non-Executive Director Datuk Edward Lee Ming Foo, Managing Director Wong Yuen Kuai, Lucien Independent Non-Executive Director JP Lee Wee Yong Executive Director Au Yong Siew Fah Executive Director 2 Company Secretaries Cheah Yee Leng (LS 0009398) Lim Guan Nee (MAICSA 7009321) Registered Office 21st Floor, Menara Hap Seng Jalan P Ramlee . 50250 Kuala Lumpur Tel : 603-2172 5228 Fax : 603-2172 5286 Website : www.hapsengplantations.com.my E-mail : inquiry@hapsengplantations.com.my Plantation Headquarters Off 40KM, Jalan Jeroco Lahad Datu, Sabah Place of Incorporation Malaysia Dato’ Jorgen Bornhoft Independent Non-Executive Director Tuan Haji...
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...History The company was incorporated as a private limited company on 16 February 1996. In 2006, it was converted to a public limited company. The name of the company was changed from SGA Finance & Management Services Private Limited to Network 18 Fincap Private Limited with effect from 12 April 2006. Network 18 got listed on the Bombay Stock Exchange and the National Stock Exchange on 2 February 2007. The shares of the company of face value of Rs 5 each opened at Rs 312.10 at the NSE and at Rs 300 at the BSE. Since the company was created as part of the re-structuring of TV18 to comply with foreign ownership laws for news channels in India, it did not have to list through a public issue.. Raghav Bahl founded and served as managing director till July 2014.[7] In Jan 2012, there was a large investment by Mukesh Ambani's Reliance Industries Limited in a complex deal that offered a possibility that Ambani-held Indian Media Trust might eventually gain a controlling interest.[8] In July 2014, the ownership was transferred to Indian Media Trust. Product Portfolio CNN-IBN, JV of IBN 18 Broadcast Ltd and Turner International India IBN-7, an IBN 18 Broadcasting Ltd Channel CNBC Awaaz, JV of CNBC Asia & TV18 CNBC TV18, a TV18 channel IBN-Lokmat, JV of Lokmat & Network 18 MTV India, a Viacom 18 channel Nick India, a Viacom 18 channel Nick Jr. India, a Viacom 18 channel Sonic, a Viacom 18 channel VH1 India, a Viacom 18 channel Colors...
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...ANNUAL REPORT 2008-2009 Directors Bankers Auditors Solicitors Registered Office Works Registrar & Share Transfer Agent : : : : : : : Trilochan Singh Sahney, Chairman & Managing Director Dr. P . D.Ojha Dr. (Ms.) Kala S Pant Harshbeena S Zaveri K M Elavia Devesh S Sahney BNP Paribas Citibank N.A. Canara Bank Axis Bank Ltd. A. F. Ferguson & Co. Wadia Ghandy & Co. Dhannur, 5 Sir. P M Road, Fort, Mumbai 400 00. Tel. : 2266 460 / 2266 4998 Fax : 2266 042 Pokhran Road No.2, Majiwade, Thane-400 606. E-40, M.I.D.C. Industrial Area, Chikalthana, Aurangabad-43 00. C-6, Additional M.I.D.C. Industrial Area, Jalna-43 203 E-72, (I) & (II) M.I.D.C., Waluj, Aurangabad-43 33 A-5, Uppal Industrial Estate, Hyderabad-500 039 Plot No.33, Sector – II, SIDCUL IIE Pantnagar, Udhamsingh Nagar, Uttarakhand-263 53. Mondkar Computers Pvt. Ltd. 25, Shakil Niwas, Mahakali Caves Road, Andheri (East), Mumbai 400 093. Tel: 2836 6620, 2820 7203-05 Fax: 2836 9704, 2820 7207 CONTENTS Particulars Page No. Notice ...................................................................................................................... 3 Directors’ Report ................................................................................................... Annexure to Directors’ Report ...................
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...BATA INDIA LIMITED (CIN: L19201WB1931PLC007261) Board of Directors Mr. Uday Khanna Chairman and Independent Director Mr. Rajeev Gopalakrishnan Managing Director Mr. Ranjit Mathur Director Finance Mr. Kumar Nitesh Managing Director - Retail (since May 21, 2014) Mr. Jack G. N. Clemons Non-Executive Director Mr. Jorge Carbajal Non-Executive Director Mr. Akshay Chudasama Independent Director Ms. Anjali Bansal Independent Director (since May 21, 2014) Mr. Ravi Dhariwal Independent Director (since May 27, 2015) Mr. Shaibal Sinha Non-Executive Director (since May 27, 2015) Mr. Atul Singh Independent Director (upto May 21, 2014) CONTENTS Page No. Notice 3-15 Financial Highlights 16-19 Directors’ Report 20-36 Extract of Annual Return-Form No. MGT-9 37-46 Report on Corporate Governance 47-62 Secretarial Audit Report-Form No. MR-3 63-65 Auditors’ Report Balance Sheet Statement of Profit and Loss Cash Flow Statement Notes to the Financial Statements Statement regarding Subsidiary Companies Share Price Movement (1985 to 2014-15) Auditors’ Report on the Consolidated Financial Statements Notes to Consolidated Financial Statements Proxy Form 66-71 72 73 74-75 76-107 108-110 111 113 114-149 — Audit Committee Mr. Akshay Chudasama Chairman Mr. Uday Khanna Member Mr. Jack G. N. Clemons Member Mr. Jorge Carbajal Member Ms. Anjali Bansal Member (since May 21, 2014) Mr. Ravi Dhariwal Member (since May 27, 2015) Mr. ...
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