...Give us This Day our Daily Lesson After reading this article, I believe that the Catholic school boards have an unfair advantage in comparison to public high schools. Due to the funding from churches and the government, I assume Catholic schools must have a larger budget for learning and physical resources. Throughout my high school years, I attended both Catholic and public schools. When attending public schools, the atmosphere is a bit more relaxed. I have found that public school staff takes a bit more time to get to know their students more personally. On account of the fact that most public schools are physically older, the atmosphere is a bit more relaxed. A lot of resources are not up to par with those of Catholic schools, but the fact...
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...Analysis & interpretation of financial statements – Ratio Analysis 1 Ratio Analysis Application • Ratio analysis is a means to an end. The end being to understand a company’s results for a year using its financial statements. • Ratio analysis may highlight unusual results or clarify trends, enabling various users of accounts to make informed decisions relating to the company. • For ratios to be useful, comparisons must be made - on a year to year basis, or between companies. On their own they are useless for any sensible decision making. 2 Ratio Analysis 1 Lecture example 1 How do the following users of financial statements benefit from ratio analysis? (a) Shareholders (b) Potential investors (c) Bank and other capital providers (d) Employees (e) Management (f) Suppliers (g) Government 3 Ratio Analysis Lecture example 1 (a & b) Shareholders and potential investors will use ratios to help them come to a decision on buying or selling the share of the company. (c) Banks and other providers of loan capital will assess whether further loans should be made to the company. (d) Management will use ratios to highlight weak performing areas in order to focus their attention on these areas. (e) Employees may use them as a basis for wage negotiation. (f) Suppliers may use ratios to assess creditworthiness. (g) Governments may use them for statistics or for assessing the worthiness of a government grant. 4 Ratio Analysis 2 Categories of ratios Profitability...
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...A Statistical Analysis of Case 32 Michael A. Wilson GM533 02/12/2012 INTRODUCTION The purpose of this analysis is to analyze the QSCA in determining if the amount or size of a bill is directly correlated to the number of days the bill is past due. In order to support the validity of this relationship, a statistical analysis of the data provided will support the relationship within 95% confidence levels. These findings should give a better understanding of the QSCA’s business and provide vital insight on the relationship between the data being evaluated. SUMMARY The focal point of this analysis is to determine whether or not the amount of the bill has an effect on the number of days the bill is late. This information will be extremely valuable for the business to develop higher efficiency and profitability within the account services team. In addition, the final output of the analysis can be applied to several situations, such as insights into customer trends like bill payments, financing, and the current economic impact on the bill collection business. This analysis will help confirm the importance of paying a bill on time and should be supported by the client services team in the management of bill collection. We are currently face with challenging economic times and the support of motivating clients to expedite their bill payments will help businesses and customer’s personal and internal finances. In order to validate the relationship between the amount of a bill...
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...Performance analysis of working capital management of “pharmaceuticals industry” 1. 1. Performance Analysis of Working Capital Management of “Pharmaceuticals Industry” Page 1 of 166 2. 2. A Term Paper on Performance Analysis of Working Capital Management of “Pharmaceuticals Industry” Submitted To: Khairul Alom Course Teacher School of Business Studies Southeast University Submitted By: Name Md. Fayshal Hossan Miazy ID No 2009110000038 Mubashir Hossain 2009010000050 (21st) Md. Ahadul Islam 2009110000049 Md. Robiul Islam 2009110000066 Md. Shaheen 2009110000069 BBA.22nd. Batch. Major: Finance-A Southeast University Date of Submission: 27 August, 2012 Page 2 of 166 3. 3. Acknowledgement At first, we thank to almighty Allah who made us capable to prepare this proposal. Secondly would like to thank my honorable advisor Khairul Alom and course teacher of Southeast University, School of Business for providing proper guidance and help to complete the term paper. We are also grateful to the DSE library that’s helped me to collect the information. At last we want to thank my group members for their co- operation and making this possible to submit this term paper on time. Page 3 of 166 4. 4. Dedication Dedicate to our respected “Parents” And Our honorable course teacher “Khairul Alom” Page 4 of 166 5. 5. Letter of Transmittal 27 August, 2012 To, Khairul Alom Course Teacher School Of Business Studies Southeast University Subject: Submission of term paper on Performance...
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...Buildings 2013, 3, 506-531; doi:10.3390/buildings3030506 OPEN ACCESS buildings ISSN 2075-5309 www.mdpi.com/journal/buildings/ Review Construction Delay Analysis Techniques—A Review of Application Issues and Improvement Needs Nuhu Braimah Civil Engineering Department, School of Engineering and Design, Brunel University, Uxbridge, Middlesex UB8 3PH, UK; E-Mail: nuhu.braimah@brunel.ac.uk; Tel.: +44-0-1895-265-919; Fax: +44-0-1895-269-782 Received: 8 May 2013; in revised form: 1 July 2013 / Accepted: 18 July 2013 / Published: 23 July 2013 Abstract: The time for performance of a project is usually of the essence to the employer and the contractor. This has made it quite imperative for contracting parties to analyse project delays for purposes of making right decisions on potential time and/or cost compensation claims. Over the years, existing delay analysis techniques (DATs) for aiding this decision-making have been helpful but have not succeeded in curbing the high incidence of disputes associated with delay claims resolutions. A major source of the disputes lies with the limitations and capabilities of the techniques in their practical use. Developing a good knowledge of these aspects of the techniques is of paramount importance in understanding the real problematic issues involved and their improvement needs. This paper seeks to develop such knowledge and understanding (as part of a wider research work) via: an evaluation of the most common DATs based on a case study, a...
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...Technical Analysis in Forex Markets 6 Section 3: Basic Technical Analysis Patterns 9 Section 4: Technical Analysis: Charting Techniques 13 Section 4.1:Cycle based indicators 13 Section 4.1.1: Elliot Wave theory 13 Section 4.2:Momentum Indicators 17 Section 4.2.1:MACD: Moving Average Convergence Divergence 18 Section 4.2.2:RSI: Relative Strength Index 19 Section 4.3:Trend approach to technical analysis 21 Section 4.3.1: Moving Averages 21 Section 4.4: Chart Based Indicators 23 Section 4.4.1: Candlestick Charts 23 Section 5: Practical Application to Current trends in the Foreign Exchange Market 28 Section 5.1:Cycle Based 28 Section 5.1.1: Elliot wave 28 Section 5.2: Momentum Based 29 Section 5.2.1:Relative Strength Index 29 Section5.2.2: Moving Average Convergence/Divergence 30 Section 5.3: Trend Based 31 Section 5.3.1: Moving averages 31 Section 5.4: Chart Based 36 Section 5.4.1: Candlesticks 36 Section 6: Technical Analysis: Advantages & Disadvantages 38 Section 7: How traders and dealers use Technical Analysis? 39 Section 8: Bibliography 40 List of Graphs and Figures Figure 1: Technical analysis is based on the premise that markets trend and that those trends tend to persist. 7 Figure 2: Example of a downtrend turning into an uptrend 9 Figure 3: A long term Channel line, support and resistance level 10 Figure 4: head and shoulders pattern. 10 Figure 5: Example of a double top. Sometimes the second peak doesn't quite reach the first peak as in this example...
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...Summary This paper will use both simple and multiple linear regression techniques to show the relationship between the amount of a bill and the number of days it takes to collect for both commercial and residential accounts for Quick Stab Collection Agency. It will examine if the size of the bill impacts the time it take to collect, analyze the differences between procuring delinquent residential and commercial bills and recommend strategic actions that may be taken to maximize Quick Stab Collection Agency’s return on investment. Introduction In order to remain profitable Quick Stab Collection Agency, (QSCA) must prove that the size of the bill and the type of account, whether commercial or residential, is directly related to the amount of time it takes to collect the debt. Determining the correlation between the type of bill, the dollar amount and the number of days it will take to collect is essential in the analysis. The end goal of this examination is to enable QSCA to better predict how long it will take to collect payment. Predicting how long it should take to collect on an outstanding bill will enable QSCA to develop a strategic plan to maximize their collection processes and return on investment. To validate the relationship between the amount of a bill and the number of days it takes to collect for both commercial and residential accounts, we utilized a multiple linear regression method to generate an accurate statistical analysis of the data. By using this form...
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...to their Investors/Lenders, the better they will understand your business. Key Indicators with their definitions, formula and analysis comments are discussed in the following pages: Page 2 Liquidity: Financial ratios in this category measure the company's capacity to pay its debts as they come due. Current Ratio Quick Ratio Page 3 Safety: Financial ratios in this category are indicators of the businesses' vulnerability to risk. Creditors to determine the ability of the business to repay loans often use these ratios. Debt To Equity Debt Coverage Ratio Page 4 – 5 Profitability: The ratios in this section measure the ability of the business to make a profit. Sales Growth COGS to Sales Gross Profit Margin SG&A To Sales Net Profit Margin Return On Equity Return On Assets Page 6 - 7 Efficiency: Also called Asset Management ratios. Indicator of how efficiently the company manages its assets. Days In Receivables Accounts Receivable Turnover Days In Inventory Inventory Turnover Sales To Total Assets Days In Accounts Payable Accounts Payable Turnover LIQUIDITY Financial ratios in this category measure the company's...
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...Throughout life, change is inevitable. Even when change is desired, it can be difficult to follow through. Creating a force field analysis (ffa) can assist someone who is trying to change something in their lives, whether is be personal or business related. In this paper, I will describe the concept of force field analysis as well as create an ffa for an issue in my life that I would like to change. I will also describe how the restraining forces impede my progress and develop an intervention strategy to enhance the driving forces to make change possible. Force field analysis is a very useful tool that was created by social psychologist Kurt Lewin in the 1940’s. In any situation, there are both driving and restraining situation. Lewin wrote that "An issue is held in balance by the interaction of two opposing sets of forces - those seeking to promote change (driving forces) and those attempting to maintain the status quo (restraining forces)". It helps when implementing change by dissecting both of these forces. Driving forces are the forces that drive the change. These forces are what initiates the change in the first place, and is likely to keep the plan going the will result in the change. These changes could be pressure from outside sources, or financial incentives. They are what to keep in mind when restraining forces arise during the change process. Restraining forces are forces that restrain the driving forces. These forces can include conflict, hostility, and resistance...
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...Title: Ratio Analysis Report On Bravo Ltd Name: Constantinos Kyriacou Student ID: 08176725 Word Count: 1,190 Contents * Introduction: Page 1 * The Concepts of Ratio Analysis: Page 1 * Findings: Page 2 * Analysis and Recommendations: Page 3 * Limitations: Page 4 * Bibliography: Page 5 * Appendix: Page 6 Introduction This report will be looking at the performance of Bravo Ltd over the two years of 2007 and 2008. Ratio analysis will be used along with other relevant information to provide an accurate report. The study of ratio analysis is the use of financial data, interpreted by using ratios to compare financial variables as suggested by definition from Investors words (WebFinance, 2009). Ratio analysis will help to gain a good outlook on the financial performance and position of Bravo Ltd. This can be achieved by using various ratios to measure the profitability and efficiency of the firm as well as other factors. The ratios will also help us compare the yearly performance of the business, and will also help to highlight the financial strengths and weaknesses (Peter Atrill & Eddie McLaney, 2008, p. 182). The Concepts of Ratio Analysis The report will consist of various ratios which I will be using to analyze and evaluate the performance of Bravo Ltd. The following list of ratios is what will be used in the analysis and evaluation. Profitability Ratios • ROCE- This ratio will be used to show the profitability...
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...Performance evaluation and ratio analysis of Pharmaceutical Company in Bangladesh Faruk Hossan Md Ahsan Habib Supervisor: José Ferraz Nunes Examiner: Bengt Kjellén Master‟s thesis in international Business 15 ECTS Department of Economic and Informatics University West Spring term 2010 0 ABSTRACT The thesis applies performance evaluation of pharmaceutical company in Bangladesh. It means evaluate how well the company performs. The main aim is achieved through ratio analysis of two pharmaceutical (Beximco and Square pharmaceutical) companies in Bangladesh. The main data collection from the annual financial reports on Beximco and square pharmaceutical companies in 2007 to 2008.Different financial ratio are evaluated such liquidity ratios, asset management ratios, profitability ratios, market value ratios, debt management ratios and finally measure the best performance between two companies. The mathematical calculation was establish for ratio analysis between two companies from 2007-2008.It is most important factors for performance evaluation. The graphical analysis and comparisons are applies between two companies for measurement of all types of financial ratio analysis. Liquidity ratio is conveying the ability to repay short-term creditors and it total cash. It determines perform of short term creditor of both pharmaceutical companies under the three categories such as current ratio, quick ratio and cash ratio. Asset management ratio is measurement how to effectively...
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.............................................................................1 2. PESTLE, SWOT and SCOR Analysis.......................................................................2 2.1 PESTLE Analysis....................................................................................................2 2.2 SWOT Analysis.......................................................................................................3 2.3 SCOR Analysis........................................................................................................5 3. Production Schedule in Gantt chart..........................................................................7 3.1 Production schedule..............................................................................................7 3.2 Overtime Cost Analysis.........................................................................................9 3.3 Route and Cost Analysis.....................................................................................10 4. Supply Chain Vulnerability....................................................................................14 4.1 peck’s model analysis for level 1........................................................................15 4.2 peck’s model analysis for level 2........................................................................15 4.3 peck’s model analysis for level 3........................................................................15 5. Conclusion.....
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...ANNEXURE - C “TECHNICAL ANALYSIS OF STOCKS ” This project report in the Special Studies in Finance based on the in-depth study of the project theme is submitted in February, 2014 to the Sydenham Institute of Management Studies and Research and Entrepreneurship Education (SIMSREE) , B - Road, Churchgate, Mumbai - 400 020, in partial fulfillment of the requirements for the award of the Master’s Degree, Masters in Management Studies (MMS), Submitted By NAME: VAISHALI CHANDRESH GORATELA ROLL NO. : M12020 CLASS: MMS1 BATCH: 2012-2014 Guided By MR. AMIT BOBHATE Date: Place: MUMBAI ANNEXURE – D CERTIFICATE This is to certify that this project report entitled “TECHNICAL ANALYSIS OF STOCKS” is submitted in February, 2014 to Sydenham Institute of Management Studies and Research and Entrepreneurship Education (SIMSREE) , Mumbai 400020, by Ms. Vaishali Goratela bearing Roll No. M12020, batch (2012 - 2014) in partial fulfillment of the requirements for the award of the Master’s Degree, Masters in Management Studies (MMS). This is a record of her own work carried out under my guidance. She has discussed with me adequately before compiling the above work and I am satisfied with the quality, originality and depth of the work for the above qualification. PLACE: MUMBAI. ________________ DATE: (Signature...
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...Summary 3 Background 4 Dunkin’ Donuts (Dunkin’ Brands) 4 Starbucks Coffee (Starbucks Corporations) 4 Leader VS Follower 5 Financial Analysis 6 Liquidity Ratio Analysis 6 Debt Analysis 11 Profitability Analysis 13 Stock Investment Analysis 16 Non-Financial Analysis 20 SWOT Analysis 20 PEST Factor Analysis 23 Product Life Cycle Analysis 24 Boston Consulting Group (BCG) Analysis 25 Conclusions and Observations 27 References 29 Executive Summary People love to drink coffee. Coffee shops, independently owned or chains are every corner. Statistics show that people are taking more coffee every day. It is a very profitable business. Nowadays when people think of coffee and its related items, the word “Starbucks” immediately come to mind. Internationally, Starbucks has already become a very famous brand and many are trying to study the secret of its success. In the States, however, another company rivalry is competing with it quite well. Quite often, the Americans are taking preference to this over the Starbucks. The company that is being mentioned is Dunkin’ Donuts. It is without doubt that Dunkin’ Donuts will act as the follower in this industry. Starbucks, on the other hand, is acting the leader. This paper will try to study how the Dunkin’ Donuts are performing by making the benchmarking financial analysis against Starbucks. Financial ratios are prepared and analyzed to evaluate its performance. The study will be focusing on its profitability...
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