Category: Finance

Turning Variables into Knowledge
Imagine that you are hired as a data analyst for a bank. The bank would like to learn more about its customers’ spending and banking habits to identify areas of improvement. You have been asked to review the bank’s income statements over the last five years and identify trends that will allow them to understand their customers better.
Download your chosen bank’s annual income statements from the last five years (attached: “wells fargo”). 
In your paper,
Identify an area of the bank’s income statement related to customer spending.
Describe the data points or variables that give a complete picture of the customers’ spending pattern for the last six months.
In addition to the income statement, explain which other data sources you might use to understand the customers’ spending patterns.
List the steps you will take to prepare all these data sources such that they afford clear and accurate information.
Build a frequency table, a bar chart, and a pie chart using Excel for the identified variables that explain the customers’ spending patterns. Review the Microsoft Excel Help: HomeLinks to an external site. webpage, available for resources to help utilize Microsoft Excel. Use the same three variables in each table and chart to display the same data in three different formats. 
After presenting your data in three formats, evaluate which tables and charts you find most helpful for communicating the desired message about the bank’s customers. 
The Turning Variables into Knowledge paper
must be two to three double-spaced pages in length (not including title and references pages, charts or tables), and formatted according to APA Style
must include a separate title page with the following:
title of paper in bold font
Space should appear between the title and the rest of the information on the title page.
student’s name
name of institution (The University of Arizona Global Campus)
course name and number
instructor’s name
due date
must utilize academic voice. 
must include an introduction and conclusion paragraph.
Your introduction paragraph needs to end with a clear thesis statement that indicates the purpose of your paper.
must cite the information found in the Mergent Online database in the University of Arizona Global Campus University Library. 
must document any information used from sources in APA Style 
must include a separate references page that is formatted according to APA Style 

Scenario: A new product manager presents to you, the chief financial officer, a proposal to expand operations that includes the purchase of a new machine. The product manager is certain that the positive cash flows, which exceed the initial outlay by $30,000 by the end of Year 4, will bring both praise and approval. You explain the company uses a 13% discount rate for cash flows and project-related budgeting. You take the time to present the details of the net present value (NPV) model used to assess product proposals. The data is below.
Project Outflows to Buy Machine
Day 1 Cash Out -$90,000 13% discount rate applied.
End Year 1 Cash Repayment $30,000
End Year 2 Cash Repayment $30,000
End Year 3 Cash Repayment $30,000
End Year 4 Cash Repayment $30,000
To educate the new manager, and as CFO, you take the time to evaluate the following:
Checklist:
Evaluate how the Time Value of Money concept results in a discounted cash flow in year 4 (an amount less than $30,000).
Assess the investment option using a 13% cost of capital discount rate by applying the NPV model. Include values in your assessment. Provide the NPV at a 13% cost of capital discount rate. Include values in your assessment.
Assess the investment option with an 8% cost of capital discount rate.

Case studies are about real-life
situations. They involve an in-depth observation of a “case” such as an event, process or person.
Relate the case with the
theories or concepts that you will cover in the class and if possible,
give some suggestion or
solution.
The task
is to examine a company’s
operation strategy, credit policy, collection method or some other aspect of
their business with which they are experiencing difficulties or which may be
undergoing change. Among factors 
that can be considered are industry norms, customer profiles, risk
tolerance, and financial objectives.You may conduct a short interview with the officials or
personnel of organization and report the findings accordingly.

Dear freelancer, please solve into an MLA-style paper the attached problem. It is an accounting problem with 9 subpoints. Please show all the work/explanations and show all the formulas used for each of the subpoints.
📋 EXAMPLES OF PROBLEMS OR QUESTIONS:
Morganton Company makes one product and it provided the following information to help prepare the master budget: a. The budgeted selling price per unit is $65 Budgeted unit sales for June, July, August, and September are 9.600. 27.000. 29.000, and 30.000 units, respectively. All sales are on credit b. Thirty percent of credit sales are collected in the month of the sale and 70% in the following month c. The ending finished goods inventory equals 30% of the following month’s unit sales 📎 ATTACHED:
– task

Buy 10 different publicly traded (not private) stocks (preferably from a mix of the 11 different economic sectors). You have $10,000 to spend, no more, and try to spend as much of it as possible. No fractional shares. First, spend as much of $1000 per stock as you can without going over. Once you’ve bought shares of 10 different companies, if you have some $$ left of the $10,000, then you may exceed the $1000 limit per stock, but you cannot go above the overall portfolio limit of $10,000. Do not use fake prices!  I follow the market each day and night so if I’m familiar with the company you buy and the prices don’t make sense to me, I’ll obviously know you’re pulling the numbers out of thin air, LOL.
This should be a fun an interesting assignment. If you prefer to track your 10 stocks outside of a web-based watch account (Yahoo Finance has an easy to use intuitive portfolio tracker I use myself), you can alternatively use my color coded Excel spreadsheet I created myself which can be found in files and pages, in the supplemental files folder. Just enter your stock symbols, what you paid for them, when you bought them and if they pay any dividends in the green cells. Then, on each update, you update your portfolio performance by entering the current closing prices in the green cells for the current prices; you will post here your portfolio update # 1 which will state:
The % return of overall of your 10-stock portolio at the end of week # 1 . 
What was your best stock overall
What was your worst stock performer to-date
List your portfolio holdings and why you chose them.

Annotated BibliographyAssignmentPURPOSE: The purpose of this assignment is to help you organize and categorize the information you gathered during research.✓Think of the topic youselected for your annotated bibliography.✓Select 5 of the 7 scholarly articles related to your topic✓Print your articles and highlight the most significant information you wish to include in your annotations.✓Create an MLA formatted annotated bibliographyin Word. Be sure to properly format it by looking at the examples and YouTube video provided in your internet scavenger hunt. Requirements:✓You will have a minimum of 5 annotations.✓Your annotations should all relate to the topic you were assigned.✓Your annotations should be a minimum of ¾of a page.✓Your annotations should be formatted in APA style.✓Your annotations should be grammatically correct and well thought out. ✓Your annotations should NOT be copied and pasted from the article. These should be in YOUR WORDS only. Annotated BibliographyPeer ChecklistDevelopment: ✓Underline any fragments or run-on sentences.✓Put a star next to any paragraph that is not fully developed or is confusing.✓Read the annotations out loud. Do they sound competent and professional?Punctuation and Organization:✓Find and mark any comma splices.✓Look for lack of commas and missing periods at the end of sentences.✓Circle any ineffective transition statements.Formatting:✓Check to make sure the annotations are in alphabetical order.✓Check to make sure the margins are all 1”✓Is the font Times New Roman—size 12?✓Are the citations correctly formatted in MLA format? Grammar:✓Circle any misspelled words throughout the annotations.✓Underline any capitalizationerrors.YOU SHOULD ANNOTATE THESE 5 SUBTOPICS OF ISIS,LEADERSHIP, COMBATANTS,PROPAGANDA,FINANCE AFFILIATED GROUPS.

1.    Time Value of Money Calculations:
•    What is an opportunity cost? How is this concept used in TVM analysis. 
•    Explain why opportunity cost is vital for financial managers.
2.    Interest Rate Analysis:
•    Research the current market interest rates and analyze and discuss the factors that are influencing them.
•    Create a chart or graph to illustrate the trend of these rates over the past year.
•    Based on current economic trends and data, what are the predictions for short-term and long-term interest rates?
•    How might changes in market interest rates impact the investment strategies of both individual and institutional investors?
3.    Bond Valuation Exercise:
•    Yield to Maturity (YTM):
What is Yield to Maturity (YTM), and why is it considered a more comprehensive measure of a bond’s return compared to the coupon rate?
•    Default Risk and Bond Ratings:
How do bond ratings (such as those from Moody’s, S&P, and Fitch) impact the interest rates of corporate bonds? Discuss the concept of risk premium in the context of bond ratings.
•    Bond Types and Features:
Compare and contrast different types of bonds such as zero-coupon bonds, convertible bonds, and callable bonds. What are the unique features and risk profiles of each type?
•    Macroeconomic Factors:
Discuss how macroeconomic factors such as inflation, economic growth, and fiscal policy impact government bond yields. How might these factors influence an investor’s decision to buy or sell government bonds?
Submission Guidelines:
The report should be 5-7 pages in length, excluding the cover page and the reference page.
Format: Use headings and subheadings to organize your content clearly.
References: Cite at least 3 credible sources to support your analyses.
Adhere to APA formatting guidelines.

ONLY USE MY FILES NO OUTSIDE SOURCE 1. Why is Van Muur soliciting control of Chestnut?
2. Do you agree with Meyer’s dinner conversation assertions?
a. Estimate a risk‐adjusted cost of capital for the two business units and comment on whether Meyer’s graph is accurate (case Figure 1). In estimating the cost of capital,
please consider WACC estimates based on the comparable companies.
b. How does the choice of a constant versus risk‐adjusted hurdle rate affect your
evaluation of Chestnut’s two divisions?
3. Do you support Pederson’s proposal?
a. In light of the recent developments, is her investment and identity proposal more
relevant?
b. What recommendations should Pederson make to respond to Van Muur?
Questions:
 Should hurdle rate for project selection reflect WACC?
 Should WACC and FCF reflect inflation adjustment?
 Should the cost of debt and cost of equity reflect the risk appropriate for business risk and financial risk?
 Should the equity and debt reflect appropriate market‐value‐based weightings?
 Should the WACC be the same for all divisions, i.e., one company‐wide WACC be used?
 Should the WACC be based on projects, or be the same for all projects within a division?

Please name your file as your last name + first letter of your first name+_HWK2.  If you fail to do it, you will lose 5% of the homework grade for this assignment.  For example, my file is zhangy_HWK2
Only turn in excel file.  If you need to answer questions, please do that in the excel file too.  Please number the problems and part a, b, c, etc clearly.  For example, problem 1, will be numbered as 1a), 1b)….etc. 

PURPOSE OF ASSIGNMENT
This assignment is called the “portfolio assignment” because it is a summary of all the actions that a human resource professional can take to impact the financial results of any organization. It is a group assignment because collective wisdom is better than individual knowledge. It is also an assignment that should be considered a “keeper” in that, the assignment results are a call to action and a strategy map for an effective human resource professional.
ASSIGNMENT INSTRUCTIONS
This is a “portfolio” assignment.
The assignment this week is to show the potential impact various HR functions or activities have on the three major financial statements. 
First, create a table that listed the major components of the Income Statement, Balance Sheet, and Cash Flow statements. Next, explain how HR can impact those components. For example, reducing the time to fill a position could potentially increase revenue on the Income Statement.  Or, expanding the time to pay a vendor for an HRIS system will improve cash flow from operations.  What about DSO’s or sales commissions or benefits or PTO or training or…. hopefully you get the idea.
You can use either Excel or Word for your table.  You can be creative in how you present your alignments.  You do not need to include references as I am looking (and will grade) based on your level of understanding of what HR does impact financial performance.