...sees is also not the proper way to buy a home. Much time and research needs to be done and many things taken into consideration before deciding the best decision. Do I want to have a landlord, or be the landlord? How much can I afford if I choose to buy a home? Where do I want to be located and what style home am I looking for? Are there any pros and cons to buying verse renting? How much would property taxes be yearly? These are all important questions to take into consideration, and that will be covered in paragraphs to come. First and most important is figuring out how much each individual can afford. On ginniemae.gov there are two calculators that can help to determine individual financial status. The first calculator helps individuals to determine the advantages and considerations of owning verse renting a home (http://www.ginniemae.gov). Using the calculator I have come up with an example. If I were renting a home that cost 800 dollars a month and I wanted to buy a house I found for 100,000 I would simply calculate the percentage of down payment, length of loan, years I plan to stay in the home, yearly property tax rate, and the home value increase rate. For the down payment I put 10%, the loan length I chose 30 years, interest rate is at 6.5%, the years I would live in the home would be 20, the property tax rate would be three percent and the value increase of the home would be two percent. Using the calculator it showed me that if I were to keep...
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...Presentation 1: Small Group Presentation: Leadership, Conflict Resolution, and Teamwork 7 Unit 5 Assignment 1: Compare and Contrast Effective and Ineffective Leaders 8 Unit 6 Assignment 1: Create a Long-Term Financial Plan 10 Unit 7 Assignment 1: Calculating Credit Scores 11 Unit 8 Assignment 1: Writing a Prospective Schedule 12 Unit 9 Assignment 1: Using Social Media for Job Searches 14 Unit 10 Assignment 1: Putting the Finishing Touches on Your ePortfolio 15 Laboratory Assignments 17 Unit 1 Lab 1: Personal Persistence Narrative 17 Unit 1 Lab 2: Grit Test 21 Unit 2 Lab 1: Optimism 24 Unit 2 Lab 2: Self-Control 25 Unit 3 Lab 1: Curiosity in Modern Times 27 Unit 3 Lab 2: Integrity Matters 28 Unit 4 Lab 1: Create a Research Summary Memorandum 29 Unit 5 Lab 1: Resolving Systemic Conflict: Scenario Analysis 31 Unit 6 Lab 1: Time Value of Money 32 Unit 6 Lab 2: Budget Exercise 33 Unit 7 Lab 1: Calculating House Cost 35 Unit 7 Lab 2: Delayed Gratification 37 Unit 8 Lab 1: Initiative Reflection 39 Unit 8 Lab 2: Time Management Reflection 40 Unit 9 Lab 1: Creating a Professional Profile 41 Unit 10 Lab 1: Creating a Personal and Professional Development Plan 43 Graded Assignments Unit 1 Assignment 1: It Takes Courage Course Objectives and Learning Outcomes Apply tools for overcoming obstacles and tools of connection to various business and personal scenarios. Evaluate choices for overcoming obstacles given several sample case studies. ...
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...Thurs 2:00-3:00 FAX: 253-879-3156 Wed 9:30-10:30 And by appointment Note that I am always willing to schedule additional office hours by appointment. I check email frequently, so that is also a good way to communicate. If I do not respond to your email message, that means I did not receive it. Please send it again. Email: butcher@ups.edu Required Course Materials Text: Madura, International Financial Management, Abridged 10th Edition, South-Western, 2011 Book: Lewis Michael, Boomerang: Travels in the New Third World, Norton, 2011 Calculator: A calculator is required. A financial calculator would be preferable, as it would have functions for bond valuation, net present valuation (NPV), internal rate of return (IRR), present value (PV), and future value (FV). A suitable calculator, the HP10-B, is available in the bookstore for about $30. Harvard Business School Cases https://cb.hbsp.harvard.edu/cbmp/access/17920074 The above is the URL for Harvard Business School so that you can obtain discounted student pricing for the cases: Group Ariel S.S.: Parity Conditions and Cross-Border Valuation (Note that there is no need to purchase the audio version of this case.) Pixonix Inc. Addressing Currency Exposure Recommended: 1. Subscription to the Wall Street Journal. Several class sessions will utilize information from the Wall...
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...BLOOMBERG BASIC MANUAL INTRODUCTION TO BLOOMBERG'S MAIN FUNCTIONS FOR BY BLOOMBERG LP EDITED MICHAEL W. VON ORELLI SUMMER 2001 Table of Content PAGE INTRODUCTION 1. INTRODUCTION 2. HISTORY 3. THE BLOOMBERG EMPIRE 4. THE KEYBOARD 5. ANYONE CAN BE AN EXPERT 6. HOW DOES ONE BEGIN (LOGIN) 7. PERSONAL DEFAULTS 8. THE MARKET SECTORS 9. BLOOMBERG BUSINESS NEWS 10. BLOOMBERG MULTIMEDIA SERVICES 3 4 8 10 13 14 16 17 19 24 SCREENS FOR ANALYZING 1. INDICES 2. GOVERNMENT 3. CORPORATES 4. COMMODITIES 5. MUNICIPALS 6. CURRENCIES 7. EQUITIES 8. PORTFOLIOS 27 31 39 48 54 65 70 80 ADDITIONAL INFORMATION 1. SUPPLEMENTARY SCREENS 2. IMPORTANT BLOOMBERG TELEPHONE NUMBERS 3. REFERENCES 84 85 82 Lehigh University Bethlehem, PA 18015 Page 2 of 84 05/18/2004 Created by Michael von Orelli INTRODUCTION Lehigh University Bethlehem, PA 18015 Page 3 of 84 05/18/2004 Created by Michael von Orelli 1. Introduction Welcome To The Wonderful World Of Bloomberg Financial Markets THE BLOOMBERG provides 24-hour instant, accurate and current financial, economical and political information covering all market sectors. It also provides analytics, historical data, up-to-the minute news reports, economic statistics and political commentaries. We have our own news bureau and have been able to integrate news with analytics. THE BLOOMBERG is menu driven, interactive, user friendly and can be customized to fit every investment strategy and informational need. The system is...
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...has the country trying to regain its high economic status. The United States economy is really not good in its current state, but somewhat better than it was five years ago. Many people are not aware of the problem that we have in this country. I think that the biggest question in this country in reference to the economy is how we got to this place, with this economy. There is so much blame and finger pointing as to how the United States economy ended up this way. My opinion is that part of the problem in this country is that we depend on other countries to produce things for us that we could or should produce ourselves. The United States economy has changed and somewhat stayed the same as compared to five years ago. Points in this paper that will be discussed will be exports, imports, interest rates, inflation and unemployment. Exports are defined as goods or services produced in the United States and sold in another country. (O'sullivan) Imports are goods and services produced in a foreign country and purchased by residents of the home country. (O'sullivan) The United States is the world’s largest importer. The main import of the United States is crude oil and the problem with oil prices has been the topic of discussion for some time. Crude oil is considered an industrial supply and crude oil counts for half of the 32 percent of imports under this category....
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...Domenick Luongo Fin 635: Dr. Wong 5/4/15 The Great Recession: The Financial Crisis of 2008 Table of Contents: I. Introduction......................................3 II. Cause & Effect of the Housing Bubble..............3 III. Financial Industry................................5 IV. Global Contagion..................................6 a. European Sovereign Debt Crisis of 2007-2008.....7 V. LIBOR.............................................8 b. LIBOR & the Crisis in Lending...................8 VI. Unemployment......................................9 VII. United States Stock Market.......................10 VIII. Laws & Resolutions...............................10 c. Dodd-Frank Wall Street Reform & Consumer.......11 Protection Act Timeline d. Dodd-Frank Wall Street & Reform Consumer.......11 Protection Act e. European Laws & Resolutions....................11 IX. Conclusion.......................................12 Introduction The financial crisis of 2007-2008 is considered to be the worst financial crisis since the Great Depression in 1929. Not only were some of the largest firms in the world threatened but also, the normal lives of everyday people faced great challenges as the entire financial market and banking industry was damaged. The prevention of the folding of these firms was backed with bailouts from national governments and banks. The crisis was the cause of business declines...
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...Skip to main content. Subscribe to the Houston Chronicle | Shopping | Classifieds | Obits | Place an Ad | La Voz Register | Sign In ------------------------------------------------- Top of Form Chron.com Local Directory Bottom of Form * Home * Local ------------------------------------------------- In Local * ------------------------------------------------- Neighborhoods * ------------------------------------------------- Houston & Texas * ------------------------------------------------- Traffic * ------------------------------------------------- Weather * ------------------------------------------------- Education * ------------------------------------------------- Politics & Policy * ------------------------------------------------- Election 2013 * ------------------------------------------------- Chronicle Investigates * ------------------------------------------------- Obituaries * ------------------------------------------------- Staff Blogs * ------------------------------------------------- Reader Blogs * ------------------------------------------------- Columnists * ------------------------------------------------- Opinions & Editorials * ------------------------------------------------- La Voz (Español) ------------------------------------------------- Neighborhoods ...
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...CHAPTER 3 RATIO ANALYSIS 3-1 3-2 (d) No effect (e) No effect 3-3 Current liabilities = $40,000 Cash + accounts receivable = $40,000 Sales = $200,000 Receivables = $10,000 Quick assets = cash + receivables = cash + $10,000 = $40,000 Cash = $30,000 Inventory = $20,000 Cash $ 30,000 Notes payable $ 40,000 Receivables 10,000 Long-term debt 20,000 Inventories 20,000 Common stock 15,000 Net plant 40,000 Retained earnings 25,000 Total assets $100,00 Total claims $100,00 Asset Profit Return on 3-4 (a) Company Turnover Margin Assets A 3.00 10.0% 30.0% B 1.53 12.1 18.5 C 2.33 7.9 18.3 D 1.70 7.9 13.4 E 2.14 13.3 28.6 (b) The five company averages are: Return on assets = 2 x 10% = 20% The five-company averages are 2.00, 10%, and 20%. Company D has turnover, margin, and Return on Assets problems. Company B has turnover and Return on Assets problems. Company C has margin and Return on Assets problems. Company E is very good on all counts. 3-. Cost of goods sold = 80% x sales = 80% x $100,000 = $80,000 Gross profit = sales - cost of goods sold = $100,000 - $80,000 = $20,000 EBIT = $10,000 Gross profit = - operating expenses = EBIT $20,000 - operating...
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...|Participant Guide: GPS Core | |Personal Financial Planning for Transition | |Preparation and Readiness | This Page Intentionally Left Blank TAPS GPS Road Map [pic] K – Capstone Service members will attend Capstone which validates and verifies that the service member is prepared to be successful following their military service by producing documentation that they meet all Career Readiness Standards. J - Entrepreneurship Track Service members pursuing self-employment in the private or non-profit sector will learn about the challenges faced by entrepreneurs, the benefits and realities of entrepreneurship, and the steps toward business ownership. I - Technical Training Track Service members pursuing further technical training will receive guidance and help in selecting schools and technical fields. H - Education Track Service members pursuing college education will receive guidance to prepare for the college application process. The Education track addresses such topics as identifying one’s educational goals, education funding, and researching and comparing institutions. G - DOL Employment Workshop Address the nine key factors that contribute to a successful employment transition...
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...including the one that nearly brought down the global financial system in the whole sub-prime mortgage crisis. Dinner Mc At this time, I'd like to ask all of our stars to please assemble over here on the left side of the stage-- Jim Finkel This guy is a legend. He's a granddaddy of our industry. Adam Davidson I'm sitting at this dinner with Jim Finkel. He's kind of nervous, because he's up for CDO of the year for the CDO he created, Monterey. Now, the CDO, that's what we're talking about. That's the financial instrument that was central to this global credit crisis we're in. Ira Glass And they gave awards for this? These guys are giving each other awards for doing that? Adam Davidson Let me just say that they were aware that there's a certain irony, giving awards to the instrument that almost destroyed the world economy. And they did consider canceling this year. But it's been a really tough year. It's been really gloomy for them. Jim Finkel Honestly, I know this sounds-- I was really happy to see there were no major suicides, people weren't jumping off bridges, there weren't a lot of personal disasters. Adam Davidson Now that same week, a few days earlier, across the river in Brooklyn, I went to a completely different kind of gathering. It was not black tie. It was put on by the Neighborhood Assistance Corporation of America. It was people on the opposite side of the mortgage crisis, people facing foreclosure, trying to figure out how to keep their homes. I met this...
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...Module 3 – Assignment 5 Practice Case Examination Additional Information (Time Allowed: 4 hours) Notes: i) ii) iii) iv) Candidates must not identify themselves in answering the question. All answers must be written on official answer sheets or in official electronic files. Work done on the question paper or on the Backgrounder will NOT be marked. Included in the examination envelope is a standard supplement consisting of formulae and tables that may be useful for answering the question. Examination materials MUST NOT BE REMOVED from the examination writing centre, except for the Instruction Sheet to Electronic Exam Writers, if applicable. All used and unused answer sheets, working papers, Backgrounder, Additional Information, the supplement and, if applicable, a USB key containing electronic answer files must be sealed in the examination envelope and submitted to the presiding officer before the candidate leaves the examination room. Candidates writing the examination electronically must keep the Instruction Sheet to Electronic Exam Writers, which provides instructions for uploading their responses following the examination. Only the following models of calculators are authorized for use on the Case Examination: 1. Texas Instruments 2. Hewlett Packard 3. Sharp TI BA II Plus (including the professional model) HP 10bII+ (or HP 10bll) EL-738C (or EL-738) v) © 2014 The Society of Management Accountants of Canada. All rights reserved. ®/™ Registered Trade-Marks/Trade-Marks are...
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...Economics’ Approach to Financial Planning by Laurence J. Kotlikoff, Ph.D. |Executive Summary | |Economists long have shown that when it comes to consuming lifetime economic resources, households seek to neither splurge nor hoard, but | |rather to achieve a smooth living standard over time. Consumption smoothing not only underlies the economics approach to spending and | |saving, it is central to the field’s analysis of insurance decisions and portfolio choice. | |Smoothing a household's living standard requires using a sophisticated mathematical technique called dynamic programming to solve a number | |of difficult and interconnected problems. Advances in dynamic programming coupled with today's computers are permitting economists to move | |from describing financial problems to prescribing financial solutions. | |Conventional planning’s targeted liability approach has some surface similarities to consumption smoothing. But the method used to find | |retirement- and survivor-spending targets is virtually guaranteed to disrupt, rather than smooth, a household’s living standard as it ages.| |Moreover, even very small targeting mistakes will suffice to produce major consumption disruption for the simple reason that the wrong...
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... May 29, 2012 Tanisha D. Jackson Web Development and the Use of Javascript Creating a Website and presenting it online to users across the world has become a regular occurrence over the past few decades. Web pages belong to companies with services to sell, and others, to individuals with information to share. The basic Web site is built with HTML, and then creatively enhanced with CSS. To create a visually expressive Web site that can attract thousands of visitors each day you need to use more than HTML and decide what the site contains. There are different languages that can be used to add a sense of style to your site, some of the possible devices are JavaScript, Java, DOM, and AJAX. In the following paper our team will discuss a few examples of how each can be used in Web development. Comparison of Java and JavaScript Java and JavaScript are both object-oriented languages (Burns, 2012). Knowing how to use one language often becomes confusing when attempting to learn the other. Some of the differences between the two are that Java applets can create stand-alone applications that work across platforms running as standalone programs. However, JavaScript cannot create these stand-alone applications and reside on an Internet browser. A programmer must compile Java code before the program can run. This requires an outside program just to compile the code. A compiler turns Java code into machine language code before a browser can interpret...
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...Equivalent annual annuity EAR Effective annual rate, EFF% EBIT EBITDA EPS EVA F Earnings before interest and taxes; operating income Earnings before interest, taxes, depreciation, and amortization Earnings per share Economic value added (1) Fixed operating costs (2) Flotation cost FCF Free cash flow FVN Future value for Year N FVAN g GAAP HVN I IFRS IPER I/YR INT IP IPO IRR LIBOR ln(P/X) Future value of an annuity for N years Growth rate in earnings, dividends, and stock prices U.S. Generally Accepted Accounting Standards Firm’s horizon value at t ¼ N Interest rate; also referred to as r International Financial Reporting Standards Periodic interest rate Interest rate key on some calculators Interest payment in dollars Inflation premium Initial public...
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...HOFSTRA UNIVERSITY FRANK G. ZARB SCHOOL OF BUSINESS "The Frank G. Zarb School of Business at Hofstra University provides a quality education that prepares professionals for a dynamic, globally oriented environment “ DEPARTMENT OF MANAGEMENT, ENTREPRENEURSHIP AND GENERAL BUSINESS GBUS 180 - Business Policy and Strategy Spring 2013 (undergraduate course) All Students are responsible for reading this course syllabus carefully, and complying with all course requirements stated in it. INSTRUCTOR’S NAME Dr. Matthew Sonfield OFFICE HOURS Tues & Thurs 8:00 – 9:30 AM and by appointment LOCATION OF OFFICE 229 Weller Hall CAMPUS TELEPHONE 463-5728 E-MAIL ADDRESS Matthew.Sonfield@ hofstra.edu (e-mail messages will receive responses much faster than voice-mail messages) HOME PAGE http://people.hofstra.edu/hu/faculty/matthew_sonfield/ GENERAL INFORMATION Location of Department Office 228A Weller Hall Telephone of Department (516) 463-5726 Department Chairperson Dr. Li-Lian Gao HOFSTRA UNIVERSITY BULLETIN DESCRIPTION OF COURSE A capstone course enabling students to integrate functional area knowledge in order to effect managerial decisions and assume leadership roles in organizations. Theory and concepts are applied using both case analysis and a computer-based business simulation. Topics include: elements of the strategic planning process, such as strategy formulation and...
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