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Your search returned over 400 essays for "Finance"
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Which Type of Accountant do I Want to Be: Private versus Public Accounting - For all accounting majors one tough decision each of us must make before graduation is whether or not we want to work in private or public accounting. The usual question that we always bring up is which one makes the most money. Well, that question should hold little importance. The more important questions are what kind of opportunities will each career path open up in the field of accounting and whether or not you personally feel that the public accounting lifestyle is the right fit for you. Public accounting involves the accounting work one does for another company....   [tags: CPA, Finance] 840 words
(2.4 pages)
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Using Microsoft Excel to Keep Track of Monthly Payments - As Miss White needed help to keep track of monthly payments made by the 10 pupils in her group and to keep a monthly record of individual payments, a running total for each pupil, the overall total collected each month and the average amount per pupil collected each month. The overall cost of the trip is £500 per pupil between the months of October to March excluding December. Choice of Application Used To do this I needed to use the software Microsoft Excel 2003 as it was easier to use than other software products....   [tags: Computers, Finance] 828 words
(2.4 pages)
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Why Do Companies Request Credit Reports? - Why do some companies request credit reports. Many businesses are requesting credit report authorizations from their applicants as part of their screening process for employment. According to the Federal Fair Credit Reporting Act (FCRA), the applicant must give the employer authorization in order for the employer to receive a copy of the credit report. (Rosen, 2000). Credit reports are requested by some companies to review and verify information regarding the applicant such as one’s identity, the amount of debt and also to help them to determine if one is qualified for the job....   [tags: Personal Finance]
:: 4 Works Cited
840 words
(2.4 pages)
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WorldCom and The Mississippi Scheme Scandals - WorldCom and The Mississippi Scheme are both large financial scandals that have occurred. WorldCom was a telecommunication company that overstated their cash flow by reporting $7.6 billion in operating expenses as capital expenses. WorldCom is the largest accounting scandal in US history as of March 2002. The Mississippi Scheme was a business scheme that destroyed the economy of France during the 1700’s. The scheme involved the loss of paper money’s purchasing power as a result of asset inflation....   [tags: Finance Accounting Scandals Fraud White Collar Cri] 1703 words
(4.9 pages)
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Gainesboro Machine Tools - Overview In mid September 2005, Ashley Swenson, the chief financial officer of this large CAD/CAM equipment manufacturer must decide whether to pay out dividends to the firm¡¦s shareholders or repurchase stock. If Swenson chooses to pay out dividends, she must also decide on the magnitude of the payout. A subsidiary question is whether the firm should embark on a campaign of corporate-image advertising and change its corporate name to reflect its new outlook. The case serves a review of the many practical aspects of the dividend and share buyback decisions, including(1) signaling effects, (2) clientele effects, and (3) finance and investment implications of increasing dividend payout and...   [tags: Case Study Analysis Dividends Finance] 1953 words
(5.6 pages)
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Ratio Analysis And Statement Of Cash Flows - Ratio Analysis and Statement of Cash Flows Financial ratios are "just a convenient way to summarize large quantities of financial data and to compare firms' performance" (Brealey & Myer & Marcus, 2003, p. 450). Financial ratios are very useful tools in order to determine the health of a company, help managers to make decision, and help to compare companies that belong to the same industry in order to know about their performance. Home Depot and Lowe's are two home improvement chains in the United States....   [tags: Business Finance Management Analysis] 1163 words
(3.3 pages)
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A Reaction on the Bailing-out of Pre-need Industry - A Reaction on the Bailing-out of Pre-need Industry The concept of pre-need plans is a savings mechanism in order to secure future needs. Pre-need companies offer plans that provide for future educational costs, pensions upon retirement, and memorial services upon the demise of its plan holders. Just lately, the pre-need companies experienced controversies for the senate found out that’s some of these companies can no longer accommodate the needs of the plan holders due to their financial struggles....   [tags: Pre-need Finance Business] 1363 words
(3.9 pages)
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Corporate Compliance - Corporate Compliance Introduction When companies are facing issues dealing with corporate compliance, implementing a system to deal with the compliance and corporate governance issues is the best opportunity for the companies. The companies should develop a process to analyze alternatives and integrate the appropriate opportunity into the companies system. The process includes defining and implementing compliance steps and process. Next, the companies will recommend a preventative solution that incorporates risk mitigation....   [tags: Auditing Finance Business Regulation] 1231 words
(3.5 pages)
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Target-Stock Analysis - Target, the nation's #2 discount chain, now operates more than 1,500 Target and Super Target stores in 47 states, as well as an online business called Target.com. Target and its larger grocery-carrying stores, Super Target, have carved out a niche by offering more upscale, fashion-forward merchandise than rivals Wal-Mart and Kmart. After years of struggling to turn around its Marshall Fields and Mervyns departments stores divisions, the discounter sold them both in 2004. Target also owns apparel supplier The Associated Merchandising Corp....   [tags: Finance Investment Analysis] 1001 words
(2.9 pages)
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Capital Budgeting in Galaxy Science Centre - Capital Budgeting in Galaxy Science Centre Capital Budgeting encourages managers to accurately manage and control their capital expenditure. By providing powerful reporting and analysis, managers can take control of their budgets. The purpose of this paper is to investigate capital budgeting decision under Galaxy Science Centre (GSC), which is non-profit organization. The need for such an analysis emerges from the case that only provides general information concerning the impact of capital budgeting decisions in the presence of strategic interactions among GSC....   [tags: Finance Financial Analysis] 1398 words
(4 pages)
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Internet Banking - Internet Banking In the days of virtualisation where working mothers and travelling sales-team prefer to use flexi-time and remote jobs profile; Internet is being adopted as a parallel medium of communication, transaction, and social networking. Internet banking is fast gaining momentum across the globe for its convenience and ease of conducting transactions at a speed and service levels never dreamt of, a decade ago. In-spite of its multiple advantages, there is a need to step back and re-think on perceptions it carries with the masses....   [tags: Internet Global Finance Banking] 1396 words
(4 pages)
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Capital Adequacy - Capital Adequacy Introduction: There is a close relation between the capital adequacy and the financial system but it is important to have an overview before get to the more detailed study of what is going on in the financial system. There is a constant flow of cash and funds through the financial system due to the financial institutions as they assist money movement among the borrowers and lenders (lecture notes, chapter 8, 9, 15) a financial institution is basically a firm like a bank which acts as a safe house for depositors to keep their money and also provide loan with interest to others and this how they expand the institution....   [tags: Business Finance Management] 1943 words
(5.6 pages)
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Adelphia Cable - Adelphia Cable "Adelphia is one of the nation's leading cable companies with more than 5.3 million residential customers nationwide. In addition to cable entertainment Adelphia offers digital cable, high-speed internet access, long distance telephone service, and home security" (Adelphia). The leadership of this company currently consists of 18 officers. One officer for each of the five regions Adelphia covers. One officer in each of the following: Human Resource, Finance, Customer Care, Marketing, Programming, Media Services, Chief Accounting Officer, and Information Technology....   [tags: Business Finance Management] 1685 words
(4.8 pages)
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Bond Markets - Bond Markets A bond is a debt security, or basically a loan, that an investor makes to a corporation, a government, an agency, or municipalities. In return for up-front cash, a corporation or government promises to make specific payments to a bondholder on specific dates. The bondholder can not only expect fixed payments but also the principle repayment when the bond reaches its maturity date (The Bond Market, 2002). A bond is considered a fixed-income security because the investor knows the exact amount of cash that will be paid back if the bond is held until maturity....   [tags: Finance Financial Investment Investing] 935 words
(2.7 pages)
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Economic Outlook - Investments Moody’s Economy.com predicts a 1.1% drop in investment Gross Domestic Product (GDP), over a 2.9% drop in 2007. Given the recent sub-prime mortgage debacle and similar collaterized debt in the corporate market, the 1.1% drop is understated given the tightness in corporate lending and the government's short term stimulus package. The stock market dropped in tandem with recent events over the past few weeks including a one day 309 point drop in the Dow Jones Industrial Average....   [tags: Economy Analysis Finance] 1105 words
(3.2 pages)
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Long-Term Financing - Long-Term Financing Long- term financing strategies are used by financial managers to insure that funds invested today will increase in value or stay the same over a stated period of time. This document will compare and contrast the capital asset pricing model (CAPM) and discounted cash flow method (DCF). The debt and equity mix are intended to enable an organization to capitalize on investments. The debt and equity mix will be reviewed as will the characteristics of the financial market and debt and equity instruments....   [tags: Business Finance Investment] 1759 words
(5 pages)
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Revenue Recognition - Whenever a product is sold, the seller earns and reports the revenue. However, in the real world such sales transactions are not as straight forward, and the principle of revenue recognition is one that creates the most issues for accountants. Now a days the process of selling has become quite complex. There are many issues and procedures involved. Customers have the option to make payments right away when making the sale, or can choose to make the payment in installments as agreed to in the sales contract....   [tags: Business Finance Accounting]
:: 4 Works Cited
1701 words
(4.9 pages)
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Tobin Tax - The Tobin Tax –A Solution to the Problems of Globalization. 1. Introduction Recently, there is a fierce academic and political discussion about chances and risks of globalization. Especially globalization of financial markets not only enhances the allocation of capital and support trade in goods and services through lower transaction costs and higher liquidity. Moreover, international asset diversification and hedging opportunities lower risks, and free international financial markets make it easier to reach foreign capital, especially for emerging economies....   [tags: Globalization Business Finance] 1459 words
(4.2 pages)
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Wells Fargo - Wells Fargo offers a wide range of financial services, claiming in its investor presentations to operate more than 80 divisions while still being able to stand for more then one thing. In addition, the company claims to be one of the most "integrated" of financial services companies. For example, instead of running a stock brokerage with separate branches and different customers, Wells Fargo stock brokers sit in retail branches, and generally only serve banking customers. (wellsfargo.com) Despite this wide range of divisions, Wells Fargo only describes in detail three different business segments when reporting results, which are Retail Banking, which is typically your everyday banking where...   [tags: Bank Banking Analysis Finance] 794 words
(2.3 pages)
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Financial Services Authority Ethical Aproach - Abstract: This paper intends to discuss if the Financial Services Authority (FSA) has an ethical approach in relation to investment regulation. First it will explain the recent history of regulation within the Financial Services Industry until the creation of the FSA , an independent and non-governmental body, with statutory rights given by the Financial Services and Markets Act 2000. Then it reflects about the meaning of compliance competent and if FSA had adopted an ethical approach. In the beginning......   [tags: Business Ethics Finance] 2234 words
(6.4 pages)
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Hilton ITT Case Study - 1. Why might Bollenbach have opened his bidding for ITT at $55 per share. What was his likely strategy. The $55 value is on the lower range of the analyst eztimates, with a best guess estimate of $67.94. Since the value of the stock had been below $45 for 4 months, the offer of 55 dollars represented a 29% premium to investors. Bollenbach knew that management would be resistant of any attempt to be acquired, regardless of price, because of failed previous attempts to negotiate a friendly merger at year end 1996....   [tags: Finance Business Analysis] 1431 words
(4.1 pages)
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Reforming Credit Laws - Credit allows consumers to finance transactions without having to pay the full cost of the merchandise at the time of the purchase. A common form of consumer credit is a credit card account issued by a financial institution. Merchants may also provide financing for products which they sell. Banks may directly finance purchases through loans and mortgages. Consumers imperatively rely on credit, so it is necessary that credit laws help protect the consumer. I will discuss some of the major credit laws that impact the consumer, examine whether these laws are working, and talk about possible changes that might be needed to make sure the consumer is rightly protected....   [tags: Credit Card Finance Consumer Protection Laws] 1443 words
(4.1 pages)
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Walmart Financial Analysis - Investment Banker Since January 31, 2004, the investment banker for Wal-Mart has been Moody's investor services. Wal-Mart plans to refinance for their long term dept with Mood's Investor Services and also a few other investment banking for other corporate purposes that are not mentioned. Wal-Mart also plans to bowwow 3.3 billion dollars and an additional 1.1 billion for commercial paper By January 31, 2004 the, Wal-Mart had already established a 5.1 billion dollar lines of credits from 77 different banking industries and investment and used up approximately 145 million in the production of commercial paper....   [tags: Wal Mart Finance Investment] 977 words
(2.8 pages)
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Banking In Bangladesh - Banking in Bangladesh After Independence of Bangladesh the banking sector was restructured as a fall out of war of liberation. Banking grew primarily in the public sector with main emphasis development needs of the war-torn economy. With gradual liberalization in subsequent years, it was increasingly felt that banks should be allowed in the private sector for giving a fillip to development process on the basis of private initiative. In the 80's for the first time a number of banks in the private sector was allowed....   [tags: Bangladesh Banking Finance] 1997 words
(5.7 pages)
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Toyota Motor Corporation - Toyota Motor Corporation 1. Introduction Toyota, which is known as Toyota Motor Corporation is one of the most exciting names in the automobile industry today. Toyota is one of the most competitive companies globally and has enjoyed a record setting success in the last few years. In the most recent years, the global automobile industry has been plagued by high gas prices, and tougher environmental protection laws. Like all automobile manufacturers, Toyota has had its work cut out for them, but to no avail they have been one of the most successful companies to date....   [tags: Toyota Business Finance Analysis] 1858 words
(5.3 pages)
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Practice of the Initial Public Offering IPO in the UK - Initial Public Offering S/F/101. Initial Public Offering - IPO The paper examines the practice of Initial Public Offering (IPO) reviewing IPO requirements in the UK, the types of IPO, etc. The issues of setting IPO prices are addressed discussing examples of shares' under pricing. P/F/438. Role of venture capitalists in IPO marketThe paper examines the issues of venture capital investments discussing the role of venture capitalists in affecting IPO (initial public offering) pricing, and reviewing the hypothesis on the correlation between the presence of venture capitalists in the IPO market and a reduction of information asymmetry....   [tags: Finance Accounting] 1148 words
(3.3 pages)
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Accounting Fraud, the Investor and the Sarbanes Oxley Act - Accounting Fraud, the Investor and the Sarbanes Oxley Act Throughout the past several years major corporate scandals have rocked the economy and hurt investor confidence. The largest bankruptcies in history have resulted from greedy executives that “cook the books” to gain the numbers they want. These scandals typically involve complex methods for misusing or misdirecting funds, overstating revenues, understating expenses, overstating the value of assets or underreporting of liabilities, sometimes with the cooperation of officials in other corporations (Medura 1-3)....   [tags: Business Finance] 1981 words
(5.7 pages)
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Capital Asset Pricing And Discounted Price Flow Models - Capital Asset Pricing and Discounted Price Flow Models Knowing the risk of an investment and understanding how that risk will affect any future returns are crucial aspects in deciding if the expected return is worth the risk. The Capital Asset Pricing Model (CAPM) provides a base from which both the risk and the affects of the risk are determined by the investor while the Discounted Price Flow Model (DPCM) can help the investor decide what amount they are willing to invest in a company in anticipation of projected future cash flows....   [tags: Business Finance] 1111 words
(3.2 pages)
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Cash Management Techniques And Methods Of Short-Term Financing - Introduction Proper cash management and efficient short-term financing are both important and beneficial to a company in order to maintain a competitive market share, which will increase profit potential and shareholder value through rising stock. Cash management can be used to lower or eliminate idle cash balances that do not earn revenue, using the freed up cash as sources for short-term financing through interest building securities. Short-term financing allows a company to secure needed funds in order to meet production needs and gain maximum profitability....   [tags: Business Finance] 1243 words
(3.6 pages)
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Cost Cutting Techniques to Increase Cash Flow - Ways to Cut Costs and Increase Cash Flow When business is strong, we sometimes forget about being frugal, but we all remember the "bad days" of the real estate recession in the early 1990’s. You don't want to be scrambling to "do something" if you are in a cash crunch. If you are doing okay, why not cut some costs and put more money in your pocket. There are two primary rules, used by all properly managed companies, from one-appraiser firms to Fortune 500 companies: 1. Pay your bills only when they are due....   [tags: Business Finance] 1914 words
(5.5 pages)
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Infulence Of Return on Assets ROA Ratio - Stock is one of the greatest tools ever invented for building wealth. But parallel to the possibility of gaining, there is a great possibility of loosing. The only thing that can protect one from loosing is knowledge about movements in stock prices. Unfortunately, there is no clean equation that can tell us exactly how a stock price will behave, but we can try to find some factors that cause stock prices go up or down. If we have a look at stock prices, we can see that for big and well-known corporations stock prices are very high, for small companies they are much lower....   [tags: Business Finance] 1302 words
(3.7 pages)
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Financial Analysis of Verizon versus AT&T - Introduction You would not buy a home, car or other large purchases without researching what product offered you the most for your money. The same is true when investing in a company. Investors do avid research on multiple companies to find what company matches the investors' criteria. In this paper Team C will research both AT&T and Verizon's financial documents. Team C will compare selected ratios, cash flow and make recommendations how both companies can manage cash flow for the future. Financial Ratio Analysis Ratio analysis are useful tools when judging the performance of a company by weighing and evaluating the operating performance (Block-Hirt)....   [tags: Business Finance] 1338 words
(3.8 pages)
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2005 – The Year In Review - We can still vividly recall the pointed questions in the late 1990s regarding diversified approaches: "Why do foreign stocks make sense?", "Why are alternative asset classes worth the trouble?" and "Why should endowment funds hold bonds?" were among the most common inquiries. These were not easy questions to answer as the incredible success of large capitalization growth stocks during just a few short years appeared to undo decades of history in support of the notion that better returns with less risk could be earned by pursuing a diversified approach....   [tags: Finance Business] 1457 words
(4.2 pages)
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Balanced Scorecardfour Perspectives To Implementing Success - In the business world, tangible success and prosperity are measured by dollars. Each quarter, a company generates reports, which determine financial status based on past performance: Are we “in the red,” or “in the black?” Entrepreneur Magazine lists “Find a need and fill it” as rule number one in successful business—and that’s exactly what Robert Kaplan and David Norton of the Harvard Business School set out to do in the mid-1990s. Kaplan and Norton were able to identify that one of the management problems of business up to that time was that it was based solely on financial measures....   [tags: Business Finance] 1463 words
(4.2 pages)
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Black Thursday - Capital Spending Risks - Increasing Shareholder Wealth Black Thursday - Capital Spending Risks October is a month of ghouls, goblins, and financial risks. Many of the worst stock market crashes were sustained during this month, with October 24, 1929 being designated Black Thursday. In 1929, most Americans kept savings in banks rather then speculating on the stock market. Businesses looking to increase capital and already wealthy patrons were the main investors of the era. "If you had $1000 on 9/30/1929, it would have gone down to a whopping $108.14 by July 8th, 1932 or an 89.2% loss....   [tags: Business Finance] 1314 words
(3.8 pages)
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Cash Flow Analysis of Two Companies - Cash Flow Analysis The two companies that our team selected were Lester and Shang-wa electronics. We will review cash flows for each company and attempt to identify how much cash was generated by operating, investing and financing activities. Then we will identify some significant interval events the effected the company’s cash position and explain both company’s apparent strategies. We will review some objectives from week two and discuss some additional insights and questions that may have arisen....   [tags: Corporate Finance] 1624 words
(4.6 pages)
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Financial Analysis Of Two Qatari Companies - Liquidity Analysis Industries Qatar The analysis shows the following findings in terms of IQ’s liquidity: • The horizontal analysis shows that IQ’s total current assets increased by 25% and its total current liabilities increased by 40% during 2005. This is largely explained by the increase in trade receivables, the increase in inventory, the increase in trades payable, and the increase in term loans (notes 5, 6, 12, and 13 of the 2005 financial statement). The higher increase in total current liabilities than in total current assets explains why the current and acid-test ratios decreased from 4.66 to 4.17 and from 4.02 to 3.5, respectively....   [tags: Business Finance] 1681 words
(4.8 pages)
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Implementation Of A 401(K) Plan Program - Bakersfield Lighting Corporation (BLC) wants to know the tax benefits and tax implications of implementing a 401(k) program plan for present and incoming employees. First the Human Resources manager would like to know the tax implications of the 401(k) program and what possible deductions it would give BLC. The manager has already estimated a savings of $100,000 in employee turnover and improved employee performance. BLC will be contributing an estimated $250,000 annually to the 401(k) program plan....   [tags: Business Finance] 1655 words
(4.7 pages)
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Role Of Warehouse In Future Market - INTRODUCTION Among the investment avenues, commodity futures trading is a fast growing sector with huge untapped potential, along with the financial markets. The major difference between commodity and financial markets is that, in commodities futures physical delivery takes place where as in the capital market it does not. In these markets, there are farmers, industrialists, warehouses, consumers, dealers and traders, who buy and sell commodities. There are warehouses, which stores commodities and there are consumers, who consume them eventually....   [tags: Finance Commodity] 1152 words
(3.3 pages)
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Stock Analysis Of Proctor and Gamble - Economic & Industry Analysis The Procter & Gamble company (PG) headquartered in Cincinnati Ohio, Incorporated in 1905, provides branded consumer good products. The company markets over 300 branded products, and operates through three global business units: beauty, health and well-being, and household care. The company’s products are sold primarily through, mass merchandisers, grocery stores, drug stores and sales to Wal-Mart. The direction of economic activity, such as government and monetary policy has a minimal effect on Procter & Gamble....   [tags: Business Finance] 1216 words
(3.5 pages)
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XBRL Extensible Business Reporting Language - XBRL Report XBRL, the eXtensible Business Reporting Language, is an open standards-based reporting system built to accommodate the electronic preparation and exchange of business reports around the world. XBRL started back in 1999 with 12 organizations as the founding members. There are now in excess of 450 organizations worldwide in over 30 countries involved in its development. It provides major benefits in the preparation, analysis and communication of business information. It offers cost savings, greater efficiency and improved accuracy and reliability to all those involved in supplying or using financial data....   [tags: Accounting Finance] 1121 words
(3.2 pages)
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How To Do Financial Analysis - How to analyse a company __ After identifying the right industry to park your money, you should lay your hands on the right company. Some parameters that will help you analyse a company. ________________________________________ After you have decided that it is the right time to invest in and identified the right industry to park your money, you should lay your hands on the right company. As Peter Lynch says, "Identifying the right industry but the wrong company, is like marrying into the right family but the wrong girl." Here are eight financial and three non-financial parameters that you should look into when you invest in a company....   [tags: Business Finance] 1093 words
(3.1 pages)
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5 Short Term Financial Mgmt - B. Based on your findings in part b, will the company need any outside financing. Based on our findings in Part A, the company will definitely need outside financing. There is a cash deficit in three months out of the year that was examined. The months that are deficits are March, April, and June 2004. If there is no outside financing brought into the company, the cash that is needed in order to cover the expenses that are incurred the month following each deficit will not be available. Without the cash being fed into the company through financing, there would be no way for the company to pay the expenses such as administration, materials, lease or income taxes....   [tags: Business Finance] 788 words
(2.3 pages)
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Capital Markets And Invetsment Banking - Abstract The purpose of this paper is to analyze the effects of international portfolio diversification on an investment portfolio. In doing this, alternative investment vehicles will also be examined. Finally, derivative securities will be discussed, as well as how they can further enhance a portfolio's performance. Investment Enhancement Paper There are several factors to consider when one is trying to evaluate on how to invest their money. A good starting ground however is to evaluate not just which funds to pick, but rather what the portfolio should be comprised of....   [tags: Business Finance] 960 words
(2.7 pages)
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Citibank: Launching Credit Card Operations - Recommendations: • Launch the credit card operation in Asia Pacific. • Use a customized marketing strategy/customized offerings; Focus on customer service; • Enter Australia, India, Indonesia, Philippines, Singapore, Thailand, Taiwan, Malaysia, India, and Indonesia; Further develop Hong Kong market; Enter Korea – whenever regulations allow it. • Use different appeals/ value prepositions: in India, Indonesia, Taiwan, Thailand, Malaysia emphasize status; target upper and upper-middle class; use Citibank and Dinners database to qualify customers and minimize credit risk; create strategic alliance with high-end retailers, providers of luxury services; in Australia, Singapore, Hong Kong emphasiz...   [tags: Business Finance] 1475 words
(4.2 pages)
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Federal Reserve; Bonds Versus Stocks - Federal Reserve: Bonds verses Stocks The Federal Reserve uses treasury bonds, gold, and notes or bills to support the nation's economy. The Federal Reserve has traditionally conducted open market operations through the purchase and sale of government bonds. Could the Federal Reserve without drawbacks conduct monetary policy through the purchase and sale of stocks on the New York Stock Exchange. No, I do not think the Federal Reserve could conduct monetary policy through the purchase and sale of stocks on the New York Stock Exchange....   [tags: Economics Finance] 909 words
(2.6 pages)
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Financial Analysis Of Apple, Inc. - Company Background Apple, Inc. (formerly known as Apple Computer, Inc.) was incorporated in the State of California in 1977. Apple currently designs, manufactures, and markets a variety of computer and personal electronic products, including Macintosh computers, and the iPod digital music player. AppleÕs key markets are consumers, creative professionals, educational institutions, and business users. For nearly twenty years, Apple computers have been the industry standard for creative industries such as publishing, advertising, digital music and video editing, and graphic design....   [tags: Business Finance] 1845 words
(5.3 pages)
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Financials On Coke Vs Pepsi - In 1886, the Coca Cola Company was developed but it wasn't until 1898 that the fierce competitor Pepsi-Cola entered into the market. These 2 companies are the two major players that dominate the consumer beverage (soft-drink) industry. Coke and Pepsi have since been competing to rein the global market in consumer beverages. The market of drinks in the United States alone is valued at more than thirty million dollars annually. With the growth of these two companies, PepsiCo has developed and acquired additional products outside the scope of just the consumer beverage industry, these products have helped the company to increase their exposure and position in the global market....   [tags: Business Finance] 1455 words
(4.2 pages)
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Gm Vs Southwest Hedging Strategy - Financial risk is the risk a corporation faces due to its exposure to market factors such as interest rates, foreign exchange rates, commodities and stock prices. Financial risks for the most part, can be hedged due to the existence of large, efficient markets through which these risks can be transferred. This is unlike operating risk, which is associated with more manufacturing and marketing activities. Operating risk cannot be hedged because these risks are not traded. In GM’s case they used a passive hedging policy in which they hedged 50% of all significant foreign exchange exposures arising from cash flows associated with ongoing business....   [tags: Business Finance] 1212 words
(3.5 pages)
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Initial Public Offerings - IPO - A Basic Understanding of Initial Public Offerings Table of Contents Creation of IPOs ………………………………………………………………………………… 2 Contract ……………………………………………………..…………………………… 2 Structured Agreements ………………………...………………………………………… 2 Underwriters ……………………………………..……………………………………… 2 Securities and Exchange Commission (SEC) …………………………………………………… 2 Registration Statement …………………………………...……………………………… 2 Investigation …………………………………………...………………………………… 3 Prospectus …………………………………………………..…………………………………… 3 Red Herring ……………………………………………………………………………… 3 Road Show ………………….…………………………………………………………… 3 Price …………………………...………………………………………………………… 3 IPO Allocation ……………………...…………………………………………………………… 3 Institutional Investors …...   [tags: Business Finance] 1525 words
(4.4 pages)
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Risk Analysis On Investment Decision - Risk Analysis on Investment Decision In Capital Budgeting Simulation, Net Present Value (NPV), Internal Rate of Return (IRR), and Profitability Index (PI) can be analyzed two mutually exclusive capital investment proposals. Silicon Arts Inc. (SAI) is a four-year-old company, manufactures digital imaging integrated Circuits (ICs) that need to analyze two capital investment proposals to pursue its growth plans. "SAI’s Chairman is planning to increase market share and keep pace with technology, which can be done by either expanding the existing Digital Imaging market share or entering the Wireless Communication market," (Simulation, UOP)....   [tags: Business Finance] 1059 words
(3 pages)
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Present Value Of Future Money - Money has no legs of its own and yet it keeps on moving around faster than all of us. This makes money all powerful. But time is a great leveller. What looks like a mountain of money today may become dust tomorrow if money does not keep on moving with time. Johnny is, however, interested in understanding things in the reverse order. A fortune-teller has predicted that Johnny will have a mountain of money after 30 years. Johnny wants to know the present worth of his future mountain of money. In other words, Johnny wants to know how he can calculate the present value of future money....   [tags: Business Finance] 845 words
(2.4 pages)
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Risk Analysis on Investment Decision - Risk Analysis on Investment Decision Silicon Arts, INC. (SAI) is a four year old company that manufactures digital imaging integrated Circuits (IC's) that are used in digital cameras, DVD players, computers, and medical and scientific instruments. Hal Eichner, SAI's Chairman, has a two-point agenda for the company to increase market share and keep pace with technology. As the Financial Analyst for the company one must analyze two mutually exclusive capital investment proposals. The two options are to expand the existing Digital Imaging market share or enter the Wireless Communication (W-Comm) market....   [tags: Corporate Finance] 1067 words
(3 pages)
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Trends In Australian Bank Capital - LETTER OF TRANSMITTAL This report's topic is Trends in Australian Bank Capital. The content is as following: 1. The explanation of why "Regulators usually want more equity capital whereas shareholders usually favour less equity capital" 2. The differences between bank equity capital and bank regulatory capital 3. A discussion of the functions of bank capital and the role of the risk-return trade-off 4. The differences between tier 1 and tier 2 capital 5. The components of tier 1 and tier 2 capital and the cost and risk implications of them 6. Details of the trends in the four major Australian banks for the last five years....   [tags: Business Finance] 2227 words
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Shareholder Wealth Maximization Concepts Worksheet - Wealth Maximization Concepts Worksheet Maximizing Shareholder Wealth- MBA/540r4 Bernard Lester is CEO and founder of Lester Electronics the public Lester Electronics, Inc. which earns $500 million annually. In 1984, Bernard took his company public, and it is now traded on the NASDAQ market and rated Baa by a nationally recognized rating agency. A corporation is owned by shareholders who share the privilege of limited liability and whose liability exposure is usually no greater than their initial investment....   [tags: Business Finance] 1458 words
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Yankee Candle Company Financial Analysis - Yankee Candle Company History A simple gift from a young man to his mother is responsible for the birth of a successful company. That young man was Mike Kittredge he melted crayons to create a candle for his mother for Christmas. The creation was an instant hit with friends and neighbors and he found it difficult to keep up with the demand. The result of that simple gift to his mother turned into a multimillion dollar company. In 1969, a young man made a special gift for his mother; in 1999 the Yankee Candle Company became a publicly traded company on the New York Stock Exchange (NYSE)....   [tags: Business Finance] 1322 words
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Working Capital Management Assignment - Working Capital Management Worksheet Concept Application of Concept in Scenario Citation of Concept in Reading Personal Experience in your Organization Short-term financing plan: • Bank loan – borrowing from the bank. • Stretching payable – putting off paying its bills. Due to the situation that Lawrence has put the company into, in which Lawrence had borrowed from the bank and deferred payment to Gartner by a week. Brealey, 2005, p. 852 In order to meet the liabilities of deferred tax payment and the company's payable obligation, my company has applied for a revolving credit line by our lender....   [tags: Business Finance] 849 words
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Commodities Futures And Inflation - ABSTRACT Indian markets recently thrown open a new avenue for retail investors and traders to participate: commodity derivatives. For those who want to diversify their portfolios beyond shares, bonds and real estate, commodities are the best option. They provide risk management facility. However, India, under pressure to cool inflation running near two-year highs, banned new wheat and rice futures contracts in its fledgling exchanges in February in a bid to check speculation and hopefully tame prices....   [tags: Business Finance] 1917 words
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Krispy Kreme's Financial Health - Krispy Kreme’s Financial Health Looking at the financial reports of a company for the first time can be overwhelming if not intimidating. Analyzing the financial reports to determine the health of a company is much that same but different aspect must be looked at properly in order to predict and assess the health and wellness of a company. The different aspect in assessing the health of a company include the depreciation analysis, stock analysis, cash flow statement analysis, income statement trend analysis, management analysis, significant changes and possible reasons for the changes and implications of change....   [tags: Business Finance] 1312 words
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Series A Preferred Stock - Series A Preferred Stock Term Sheet This Term Sheet is for discussion purposes and summarizes certain proposed provisions of the Company’s Series A Preferred Stock. It does not purport to be complete and is subject to, and qualified in its entirety by, the provisions of (i) the Company’s Articles of Incorporation, and (ii) the Series A Preferred Stock Subscription Agreement to be dated as of the Closing Date between the Company and each prospective investor (an “Investor”), where such rights will be set forth in full, and the provisions of applicable law....   [tags: Business Finance] 1530 words
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Time Value Of Money - Time Value of Money M. Scott Peck once said, "Until you value yourself, you will not value your time. Until you value your time, you will not do anything with it." (2006). In the next paragraphs as the unveiling of a financial scenario occurs, one will see the importance in time value of money and the effects caused by the influence of annuities. In addition, while exploring the concept of annuities, one will notice other factors. Factors such as, interest rates, present and future value and the rule of 72; which ultimately contribute to the impact in time value of money....   [tags: Business Finance] 864 words
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Time Value Of Money - Time Value of Money "Money has a time value associated with it and therefore a dollar received today is worth more than a dollar to be received in the future" (Block, Hirt, 2005). The time value of money may be based on the concept that one would prefer to receive a fixed payment today rather than the same fixed payment at a future date. This paper discusses some of the key components of time value of money and identifies the application of time value of money in various businesses. Commercial banks use various time value of money formulas daily....   [tags: Business Finance] 741 words
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Time Value Of Money - Time Value of Money Time Value of Money To make itself as valuable as possible to stock holders; an enterprise must choose the best combination of decisions on investment, financing and dividends. In any economy in which firms have the time preference, the time value of money is an important concept. Stockholders will pay more for an investment that promises returns over years 1 to 5 than they will pay for an investment that promises identical returns for years 6 through 10. Essentially one must determine if future benefits are sufficiently large to justify current outlays....   [tags: Business Finance] 1656 words
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Users Of Accounting Information - Lenders have no use for the Income statement and the Balance sheet with information relating to past transactions or events for making decisions unless they are accurate. The Balance sheet is a “statement at one point in time, which shows all the resources controlled by the entity and all the obligations due by the entity.” (Bazely, 2007, p90) Hence it merely provides an outline of the financial strength and asset liquidity of an entity. The Income statement “summarizes certain transactions that take place during a period of time.” (Bazely, 2007, p125) Hence the income statement provides some of the basic financial information for rational decisions to be made....   [tags: Finance Accounting] 983 words
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Jamaica's Banking Sector - Introduction Since the early 1990s, the Jamaican banking sector has experienced significant structural changes stemming from a disorderly financial liberalization process, which preceded a severely disruptive financial crisis. As such, the last decade has important lessons about factors influencing the relationship between competition and concentration, which has been unexplored. Over the last few months commercial banks have been under fire for their high-loan interest rates and wide spread between their fixed deposits savings accounts and lending rates....   [tags: Bank Finance] 1972 words
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Family Maintenance Fund - Sue and Tom Wright are assistant professors at the local university. They each take home about $40,000 per year after taxes. Sue is 37 years of age, and Tom is 35. Their two children, Mike and Karen, are 13 and 11. Were either one to die, they estimate that the remaining family members would need about 75% of the present combined take-home pay to retain their current standard of living while the children are still dependent. This does not include an extra $50/month in child-care expenses that would be required in a single-parent household....   [tags: Finance Financial] 1443 words
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Financial Ratio Analysis - Before beginning an analysis of a company it is necessary to have a complete set of financial statements, preferably for the pas few years so that historical trends can be obtained. Ratios are a way for anyone to get an idea of the financial performance of a company by using the information contained in the financial statements. Ratios are grouped into four basic categories, liquidity, activity, profitability, and financial leverage. This document will use a variety of these ratios to analyze the firm, Sample Company, as of December 31,2000....   [tags: Business Finance] 1415 words
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Indexed Mutual Funds - INDEXED MUTUAL FUNDS In a world of complex investment products, one of the easiest to understand may also be appropriate for a variety of individual financial objectives. The appropriateness of an investment depends on personal goals but many individual and institutional investors have turned to index investing, a strategy that attempts to approximate the performance of a broad market index. As an investment strategy indexing began in the early 1970s in the United States, when large institutional investors used it as a low-cost way to achieve competitive, long-term performance for retirement and other investment programs....   [tags: Business Finance] 1242 words
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US Bond Market - You have been asked to write a training document about the US Bond Market for use in the new employee-training program. In your document, you must make sure to address each of the following: 1a: The key players in the market; and the types of investments available to both individual investors and institutional investors, Bond Characteristics A bond is a "security" which gives the holder a financial claim on the issuer. This claim protects the holder in circumstances in which the issuer is unable to pay the amount due....   [tags: Business Finance] 1372 words
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Walmart Vs Target - Corporations keep various types of financial records and it is the responsibility of managers to make sure that the records are maintained and resolved at the end of the fiscal year. Most company has shareholders that want a year-end account on how the company has done and with a projection of what the company is capable of doing in the future. The shareholders have a vested interest and want to be kept informed on how the company is doing financially. Financial records for major corporations are public knowledge and this paper is comparing Target and Wal-Mart and their financial standings....   [tags: Business Finance] 1155 words
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Accounting - Accounting Introduction The financial information is a very important matter in a company success. Allow them to see if they have been successful in the past, in the present and help them to predict a future performance of you company. The form, the use and the people involve with the financial and accounting information in a company is going to be developed in this report. Accounting Knowing the status of your company in every single area will allow you to improve your performance and developed strategies with a solid background for a successful operation....   [tags: Business Accounting Finance] 1235 words
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Enron - The fall of the colossal entity called Enron has forever changed the level of trust that the American public holds for large corporations. The wake of devastation caused by this and other recent corporate financial scandals has brought about a web of new reforms and regulations such as the Sarbanes-Oxley Act, which was signed into law on July 30th, 2002. We are forced to ask ourselves if it will happen again. This essay will examine the collapse of Enron and detail the main causes behind this embarrassing stain of American history....   [tags: Accounting Scandal Finance] 977 words
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Financial Ratios - Financial data by itself may not give the complete picture about a company's performance and financial well being. It is difficult to evaluate standalone numbers without comparing them to certain norms and standards. Ratios provide a set of standardised parameters which can be compared across companies. Ratios of a company can be evaluated against industry benchmarks to know the relative position of that company against its peers. There are various types of ratios depending on the nature of analysis required....   [tags: Business Finance] 1802 words
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Capital Budgeting - Silicon Arts is a young start up company that manufactures digital imaging Integrated Circuits. These circuits can be used in digital cameras, DVD players, computers, and medical and scientific equipment. This four year old company has managed to grow their annual sales to $180 million. The market is strong and the company wants to expand on its short success. Hal Eichner, the chairman of the board, has recently put together a task force that has developed two capital investment proposals that could provide significant revenue growth to the company....   [tags: Business Finance] 1626 words
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Debt Financing - The financial plan of any company is important. One of the most important factors or decisions is the plan to use debt financing, equity financing, or a combination of the two. The decision to go with one or the other is large and mostly relies on personal feelings about the topic. Some owners want full control and therefore lean to debt financing and others lean to equity financing with the ability to give up some control of the company. For the hard charging entrepreneur, the most control is best....   [tags: Business Finance] 1080 words
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Financial Derivatives - Our company "Saint Derivatives" offers a wide range of financial derivative instruments. 1. Our first customer is investor from China who invested large sum of money into KKB’s stocks. He decided to hedge his portfolio and contacted us. We offered him European put option on KKB’s stocks which matures in 9 months with the strike price of $13,1 per GDR. To estimate how much we are to charge for put option, we used data taken from the website of London Stock Exchange (www.londonstockexchange.com), as KKB’s GDR is quoted on this stock exchange....   [tags: Business Finance] 1027 words
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Foreign Exchange - Foreign Exchange Paper A country's currency is a gauge of how well that country's economy is doing. "Currently the United States has a 3% real rate of return. The short-term interest rate is 5.25% and the inflation rate is 2.25% based on the core-rate from the GDP numbers" (Kordell, 2008). If one compares our real rate of return with other countries; Canada +2.50, Britain +2.50, Euro FX +0.25, and Japan +1.15 one can see that money tended to flow towards the U.S. over the past several years ever since the monetary policy was changed and interest rates in the U.S....   [tags: Economics Finance] 1415 words
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Investment Strategy - Investment Strategy To maximize optimum performance of our investment portfolio, we placed a certain percentage of equity in different sectors of the stock market. To maximize value with a bearish market, we structured an initial investment strategy that focused on inputting funds into income assets in the form of t-bills and bonds. Roughly, we estimated on contributing between twenty and thirty percent into these low risk funds until the market index increased. Once the stock market indices picked up, the majority of our one million dollars in assets was to be places in Canadian and United States equities....   [tags: Finance Investing ] 1502 words
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Mutual Funds - A mutual fund is an open-end investment company that invests money of its shareholders in a usually diversified group of securities of other corporations, as defined in the Merriam-Webster dictionary. Mutual funds help with financing and investing opportunities. They give the small investors a chance to invest their money in other areas besides stocks and bonds. There is multiple mutual funds to choose from and different reasons why shareholders should choose them. As popular as mutual funds have become, there is downfalls to them like most investment opportunities....   [tags: Finance Investment ] 1889 words
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Payday Lending - Would you pay 390% for a $400 loan. Most people would say no. Many, however, are saying yes. In the industry of payday loans or cash advances this is just the case. A payday advance or cash advance works like this. A borrower has a need arise, whether from bills or Christmas shopping, and they need a small amount of money. Now, their payday has just past and their credit it less then perfect. They do not have a savings account, and due to their credit they do not have a credit card either. So they stop in to a payday lender....   [tags: Finance Credit] 1780 words
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