Management And Leadership

Management and Leadership
Mary Schapiro and SEC
Management and leadership
SEC
Criticism for failing to predict, control or even contain the GFC
Under its watch Bernard Madoff, managed to operate the largest Ponzi scheme and Lehman brothers
collapsed, bringing down business confidence and reputations
Regulators and traders were investing in schemes they did not understand and whose behaviour they
could not predict
The SEC was exposed as ill–equipped to deal with the chaos after the GFC
US govt handed the financial sector a multi–billion dollar bailout
In 2010, it SEC reached it largest ever settlement when Goldman Sachs was fined $550 million for
committing fraud by misleading investors about mortgage securities
Lack of attention to detail ... Show more content on Helpwriting.net ...
Hire people from the wall street who were ready to leave
The current employees at SEC were talented who just needed 'invigorating leadership'.
Leveraging – leveraged the SEC talent by bringing in new talent
Staff were sent to qualify as certified fraud examiners
Removed a whole layer of management and those employees were reassigned to the front line
1000 staff were grouped into specialised units to focus on areas of concern such as corrupt foreign
practices, insider trading, market manipulations and structured product– never done before in the
SEC
The strategy worked and the SEC saw two record years of enforcement.
Platform of new technology
2. Shifting the agency's focus back to protecting the investor
Putting devices in place to ensure 'a madoff' doesn't happen again
Investor focussed agenda
Expected all her staff to address how anything they did would help investors
Hedge funds were registered for the first time and the agency's examination program was revised it
make it more risk based
Rules were set for over–the –counter derivatives and asset–backed securities
Wanted to make

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The Use of Balanced Scorecards at Walmart for Setting and...
The Use of Balanced Scorecards at WalMart
For Setting and Measuring Performance Objectives
Introduction
As the leading discount retailer in the United States, WalMart (NYSE:WMT) has consistently
shown an exceptional ability to master the complexities of logistics, supply chain management,
retailing and pricing management. The WalMart supply chain is among the most advanced and
sophisticated in its use of analytics and information systems globally, often computing pricing
variation and analysis literally overnight based on satellite uploads of information (WalMart
Investor Relations, 2013). WalMart has also successfully taken a capital–intensive business model
and transformed it into a retailing business capable of generating high profitability from low margin
products based one efficiency alone (Zhu, Singh, Manuszak, 2009). WalMart is also one of the
most–researched companies in the world, and continues to provide in–depth financial data on their
Investor Relations site (WalMart Investor Relations, 2013). The purpose of this analysis is to
evaluate the mission, vision, and overall strategy of WalMart and also define three objectives for
improving the organization's financial position, showing how the objectives defined relate to the
mission, vision and strategy of the company. In addition for each objective, meaningful performance
measures are provided in addition to defined expected level of performance as well. For each of the
objectives chosen at least one new

Effective Followers
Effective Followers Effective followers are a key component to the success of an organization.
Some characteristics that make up an effective follower are ambition, enthusiasm, intelligence,
selflessness, and self–reliance. These five characteristics are all desirable traits that form an
immaculate effective follower. A faultless company is the result of effective followers being hired on
to a company. A strong leader is also required as they would help the efficiency and success of a
company. Although, it is the effective followers that are the key components to the success and
progress of a business. Effective followers push forward the development of a corporation and are
the backbone to any successful business. The first characteristic that makes up an effective follower
is ambition. An ambitious individual is determined to work hard in order to achieve success. Many
people have intellect but they lack ambition. Intellect without ambition is like a fire without a flame.
Have you ever tried to drive a vehicle without an engine? Ambition is the engine to a vehicle like an
effective employee is the engine to a company. Without the engine there is no drive to get work
complete. For instance, a company could hire an individual that is extremely intelligent but if that
employee lacks ambition, the employee's ... Show more content on Helpwriting.net ...
An example could be an employee that works as a direct laborer giving money to a manager that is
unkind. This is an example of selflessness because the employee notices that the manager has been
upset and still chooses to talk to him at lunch even though the manager is unfriendly. Despite the
manager's behavior, the employee still chooses to seek a reason for the manager's possible
frustration. Later the employee discovers that the manager had recently lost his son in a car

Goodwill Impairment Report
Amortization Versus Impairment of Goodwill: Impact on Accounting Quality, Financial Statements'
Economic Value, Investors, and Auditors Accounting Standards Codification (ASC) replaced all
U.S. financial accounting standards in July 2009. Consequently, ASC 350, Intangibles – Goodwill
and Other, replaced SFAS 142, Goodwill and Other Intangible Assets in September 2011. Under
ASC 350, goodwill must be periodically tested for impairment. Goodwill impairment is determined
through the standard detailing a two–step process. However, in January 2014, ASC 350 was updated
by authorizing an alternative method of accounting for goodwill servicing private companies that
could consequently reduce their costs and simplify their accounting methods. Additionally, ... Show
more content on Helpwriting.net ...
The research specifically examined firms' when SFAS 142 (today ASC 350) required companies to
conduct goodwill impairment testing. Goodwill impairment testing detailed under the U.S. FASB
and international IASB revealed that goodwill impairment testing under both bodies can illustrate
firms' economic conductions and that managers are precise in working to decrease costs associated
with contracting (Godfrey and Koh 117). The authors further explain that their findings are in
support of those who believe that the phenomenon of goodwill impairment testing required through
the introduction of SFAS 142 (now ASC 350) are "a means of providing information relevant to
users of financial statements. These findings are supplemented by evidence that the amount of
goodwill written off is associated with firm size and leverage" (Godfrey and Koh 138).
Consequently, this could be linked to the study concluding that investors view recognition of
goodwill impairment as a indicator of decreased financial health for a firm and consequently, greater
risk as an investment. Therefore, these companies underperformed when they publicly announced
their respective recognition of goodwill impairment. This study illustrates how the goodwill testing
system under the FASB and IASB provides useful information to investors promoting intelligent
investing decisions based on the economic

Financial Analysis Of Microsoft Corporation
Financial Analysis of Microsoft Corporation The student learner was to pick a publicly traded
company and perform a financial analysis based on the company's financial statements. The student
learner chose Microsoft Corporation. The student learner will obtain, analyze, and determine
Microsoft's financial well–being. Microsoft has better return on assets, but they can improve in other
areas. Microsoft can increase profit margin, asset management and based on Microsoft 's assets, and
capital they can focus on making themselves more profitable. William H. Gates III is also known as
Bill Gates, left Harvard to devote his energies to Microsoft, a company he had begun in 1975 with
his childhood friend Paul Allen (Microsoft Corporation, 2017). ... Show more content on
Helpwriting.net ...
Intelligent Cloud
This Company's Intelligent Cloud segment consists of, "Server products and cloud services,
including SQL Server, Windows Server, Visual Studio, System Center, and related CALs, as well as
Azure, and Enterprise Services, including Premier Support Services and Microsoft Consulting
Services", as described at Reutuer.com (Reutuer, 2017). This includes the server platform, database,
business intelligence, storage, management and operations, virtualization, service–oriented
architecture platform, security, and identity software (Reutuer, 2017).
Microsoft competes with heavily Hewlett–Packard, IBM, Oracle, Red Hat, CA Technologies, Linux,
Adobe, and Ruby on Rails, Amazon, Google and Salesforce.com (Reutuer, 2017).
More Personal Computing
Microsoft's More Personal Computing segment primarily comprises Windows, including Windows
OEM, Windows Embedded, MSN and Windows Phone; Devices, including Microsoft Surface
(Surface), phones, and computer accessories; Gaming, including Xbox hardware; Xbox Live,
consists of different transactions such as game downloads and in–game purchases, subscriptions to
Window's Live services; video games; and third–party video game royalties, and Search advertising
(Reutuer, 2017).
Microsoft competes with some of Amazon, Apple, Google products ,but mostly with Sony,
Nintendo, in this segment (Reutuer, 2017).

Growth and Value – Two Sides of the Same Coin?
– "The central principle of investment is to go contrary to the general opinion on the grounds that if
everyone agreed about its merit, the investment is inevitably too dear, and therefore unattractive." –
John Maynard Keynes
Many money managers feel they must distinguish themselves as either "growth" or "value"
investors. While an apparently benign distinction, this simple act can have unintended
consequences. This article will address conventional definitions of growth and value and then look
to the market oracles for a dose of worldly wisdom.
Value investing: The strategy of selecting stocks that trade for less than their intrinsic values. Value
investors actively seek stocks of companies that they believe the market has ... Show more content
on Helpwriting.net ...
So, when is it appropriate to distinguish between growth and value?
Another very famous investor, Peter Lynch, pioneered a hybrid of growth and value investing with
what is now commonly referred to as a "growth at a reasonable price (GARP)" strategy. Here we see
that the two approaches can be synthesized in the way Buffett describes.
Successful growth investing, which more often than not will bring with it longer holding periods,
requires two distinct elements:
1) The business must have a legitimate long–term competitive advantage.
2) The business most possess the ability to grow earnings on a long–term basis.
Conversely, to be successful in the long term, it is incumbent upon the value investor to sell average
companies (Like company B) when the market price approaches or exceeds fair value.
All investors need to pay attention to the price they pay for equities. Companies that hold large
competitive advantages and exhibit steady growth can be poor growth propositions if they are
"priced to perfection" just as 'value propositions' must incorporate a significant disparity between
price and discerned value. All investments: growth, value or other, should be bought with a Margin
of Safety.
Conclusion:

The stock market may be likened to the field of horse racing. Most punters are focused on picking
the best horse in the race. The error here is in assuming that the best horse comes with the best odds.
Quite

I. Accounting Standards. Currently,There Are 26 Account
I. Accounting standards
Currently,there are 26 Account Standards was drafted by Vietnam government, which was identified
by the Ministry of Finance, and practicable to every industrial in business. Any changes of
divergences from Vietnamese Accounting Standards and System requires to be recorded with the
Ministry of Finance with paper confirmation.
There are two parts of Accounting Standards which are accounting principles and methods, in order
to contemporize elementary accounting fundamentals and approaches for sustaining appropriating
social development of books and readying for financial reports.
There are several rules of Law on Accounting that enterprises should be follow in financial
statements. The first on is framework, ... Show more content on Helpwriting.net ...
Presentation of Financial Statements
A entire set of financial statement relied on IASB's International Accounting Stand (IAS) 1.
Incorporates the following
Balance Sheet
Income Statement
Cash Flow Statement
Statement of Changes in Equity
Notes, including a summary of significant accounting policies and other notes
Components of VAS of financial statements
Balance Sheet
Income Statement
Cash Flow Statement
Note
Based on VAS 21, the Statement of Changes in Equity is belong to Notes, or not a essential element
of the financial statement. What is more, it is unnecessary that VAS should be disclosure of
management's crucial judgment, it is hard to evaluate future and sources of appraisal uncertainty.
Cash Flow Statements
Under IFRS 7, the first and final period accounting reports which cash flow statements are depended
on, and some information can be incorporated from the ledger. It can be separated between
receivable accounts and trade capables with the sale of fixed assets or long–term assets.
Consequently, there are some differences between cash flow from business and cash flow from
financial investment.
In Vietnam, according to VAS 24, cash flow statements which are a part of element of cashbook and
ledger bank deposits. The government of Vietnam adjust cash flow statement by adoption the

straight method originating from pre–tax profits plus or minus accommodation, incorporating
disparity of payables and excluding

The Skimming Of A Business Plan
The Skimming Three
The Skimming Three
The Skimming Three
The Skimming Three simply requires flipping through the pages of the plan and looking at a few
sections. These three of the Top Ten Fatal Flaws also land plans in the "reject" pile.
5. Poorly Written Plan
5. Poorly Written Plan
This ranks up there with sloppy. When you submit a plan, it does not need to be textbook perfect
English. Investors understand that business plans are not written by English professors. The sort of
misspellings that should be caught in a spell check are unforgivable. It shows a tremendous lack of
effort if a business plan isn't even spell checked.
Is the plan clearly written? When an investor reads a plan, is it clear enough to make sense quickly?
Investors don't want to de–code a business plan. They just want to read it. Poor grammar, poor word
choice, wrong words, and too many proofreading errors make a business plan too much of a chore to
get through. It gets the plan tossed into the "reject" pile quickly.
6. Too Much Detail
6. Too Much Detail
This is a common sin of technology, medical and some product start–ups. If you have too much
technical information or too much supporting material in the body of your plan, it bogs down the
reader. Talk about what the Technology DOES for the user first, before going into details. Then go
deeper into the technology or product only enough to let someone know what you're doing, what
problem you're solving, and that your people can deliver. Leave

An Essay On Real Estate Investment
The Canny Investor
Investing in real estate can be fulfilling, but be wary of the pitfalls and do your homework first! This
article discusses some points that prospective investors need to consider
When It Comes to Property Investment, a Crystal Ball Would Be Useful!
Make sure something doesn't burst your bubble!
Make sure something doesn't burst your bubble!
Real Estate Investment – Is It for You?
For anyone with surplus funds, the question of investing in real estate often arises. As with any other
investment, the value can always go down as well as up but with real estate investment, you're faced
with a 'hands on' experience from the word go. If you want to sit back and wait for your pennies to
turn into pounds without lifting a ... Show more content on Helpwriting.net ...
Try to learn from the mistakes of others rather than your own and join property related forums
where you can take preventative measures and solve problems before they become costly and time–
consuming.
Video
How to be Successful in Business
Photo
Tenants Can Trash your Properties if you aren't Careful
You'll no doubt accumulate a wealth of before pictures like this!
You'll no doubt accumulate a wealth of before pictures like this!
Source: Copyright of Stella Kaye
Text
What Can you Expect to Gain?
Is it a purely financial venture or do you envisage yourself as being in charge of your own little
kingdom? Doing something useful and productive in the community can often provide a motive but
the figures need to stack up and you must never let sentimentality or idealism lead you into financial

meltdown. There's no more worthy a cause to fulfil than to keep the roof over your head – and
remember this can be at stake if you get it wrong.
As well as gaining a sense of purpose in life and hopefully providing your family with long–term
financial security (emphasis on the phrase 'long–term' because being a property investor is no easy
way to a fast buck) you'll be your own boss and avoid the daily grind of the usual nine–to–five
routine.
Photo
Make Sure your Desirable Dream Home

A Report On Groupon 's Planning Activity Essay
INITIAL STATEMENT
I will give a letter to our potential investors/public that will summarize our Groupon's Planning
activity in order to be a publicly traded firm. The purpose of this letter is to inform the public of the
following: how Groupon works; how we do business successfully and differently from any others;
what achievements we have done; our financial viability and credibility; what we have strong and
unique culture of service in order to be competitive (consistently producing the highest quality
product in the market). Our goal is for the potential investors to be aware Groupon's real situation
and our powerful business opportunity. I. COMMUNICATOR STRATEGY Objectives, Style and
Credibility
1. My Objectives:
· General – to inform the potential investors of the following: how Groupon works; how we do
business successfully and differently from any others; what achievements we have done; our
financial viability and credibility; what we have strong and unique culture of service in order to be
competitive (consistently producing the highest quality product in the market).
· I will persuade by stating that Groupon has strong, prominent, professional and unique capacity to
expand more widely in short period of time. Groupon investment opportunity would be the best
option.
· Communication – As a result of this communication, my audience will have a real and positive
opinion about the Groupon and have a decision to

When Harry Met Sally Summary
ould you want to read a technology startup version of When Harry Met Sally?, a story about two
doctoral students building the most amazing internet success of our time? Only this story entails
transforming a mathematical term into a popular verb used in daily conversations for research and
web surfing by students and business professionals. All of this and much more has been compiled in
a chronology of events associated with the early beginnings in The Google Story. The story tends to
follow a similar tone and theme to the movie Pirates of Silicon Valley, but with less drama and
industrial espionage. The founders are portrayed as the "rock stars" of the technology world. The
book details the early lives of Sergey Brin and Larry Page, beginning when they met as computer
science doctoral students at Stanford University. Ironically, the derivation of the company's name,
(googol, one followed by 100 zeroes) equates to the depth of the journey to build the technology
phenomenon called Google. Throughout the book, it is clear that the indelible influence of their
families provided the strong foundation of work ethic, character, and respect for education. Sergey
and ... Show more content on Helpwriting.net ...
The early influence of Sergey and Larry to create a "non–traditional" and university environment led
to the "Burning Man" retreat in a northern Nevada location. A few months after this event, Sergey
was working in the early morning on Halloween eve. Still fresh with the energy from the retreat, he
created a Halloween–themed logo consisting of substituting orange pumpkins for the Os in Google.
After receiving the lukewarm assessment as "clip artsy" from another early morning worker, Sergey
asked to have the artwork placed on the homepage. The graphic gained significant attention and
positive responses (p. 75). So, the creative, holiday–oriented logo transformation

Essay On Venture Capitalism
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COMPOSE Labels Inbox (43,714) Starred Important Sent Mail Drafts (37) Personal Travel More
Hangouts Move to Inbox More 154 of 157 Print all In new window Content for IERA– Startups
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GB (12%) of 15 GB used Manage Terms – Privacy Last account activity: 5 minutes ago Details
gaurav kumar's profile photo gaurav kumar gauravmyblog@gmail.com Show details Venture
capitalism is a way for young companies or startups to receive funding from ... Show more content
on Helpwriting.net ...
IERA Venture Capital contracts and builds up the most expert, experienced individuals in our
industry. To better serve our customers, we give our colleague specialized preparing, pertinent
through the key commercial ventures we serve. Our administrators have the ability to rapidly and
professionally unravel the difficulties confronted by our new entrepreneurs. Each individual from
the IERA group, is focused on conveying the most astounding quality administration utilizing the
most recent business sector data, innovative progressions and a level of individual consideration that
every single customer expects. Our Strengths We have mastery in giving corporate admonitory
administrations, utilizing the great strategy of involvement in undertaking venture. The center of our
consultative administrations is to give free, reasonable and educated evaluation, for undertaking
options through the Investment cycle, from arrangement recognizable proof to arrange best of
opportunities for startups. Six Advantages for new entrepreneurs for Relying on Iera Start–ups Pvt
Ltd: 1. Since Venture Capitalist subsidizing is not a credit plan, there is no reimburse plan; which
implies you don't need to reimburse obligation as an expense of working together. 2. Iera start–ups
have numerous specialists and experts on their staff that

Free Third-Level Education In The United States
In the US we are offered education as a right, but with a cost to it. Countries like Norway, Finland,
and Sweden cover the education of their citizens every step of the way. I am an enormous advocate
of Equal Opportunity! In the United States, a college education should be free to all for these
reasons: everyone can benefit, a workable policy has been proposed, and our country could benefit.
Sen. Bernie Sanders pulled the attention of many young voters with their plans of getting rid of
college tuition. The advantages of free third–level education are endless.
First of all, everyone can attend, which therefore bridges the gap between the richer and poorer
students. There are plenty of young adults in the United States who are intelligent, but not as
financially gifted as others. Our economy would also benefit greatly by having an educated ... Show
Our nation as a whole would improve dramatically for many reasons. The largest benefit of having a
strong and educated workforce is the potential to pull the interest of foreign investors. This being
that they may want to outsource their jobs from their country to ours, therefore creating more
opportunities here. Whether you believe it or not, the correlation between education ties into median
wages. This leads to their being a possibility of higher wages with a well–educated workforce.
Furthermore, the advantages of free third–level education are endless. Lastly, everyone deserves to
explore their full potential and build the future they want and not the one that is handed to them
because of lack of resources. Bernie's plan for education could better the future for generations to
come. His plan is viable and could be put into effect by negotiating with Wall Street. Having an
educated workforce could bring jobs back to the US and improve our economy greatly. If college
tuition was made free for all, the American Dream would be much easier to

Advantages And Disadvantages Of IQ Based System
Now days , The field of Information and technology may be the only lead us way , towards
Business–Peak now a days . IQ based systems is the fully integrated , end to end corporate finance
platforms that combines intelligent market data with powerful relationship management and
transactions processing tools. The fast , perfection , unambiguous type business technology in
Business is Intelligent business systems . Somehow , many business tycoons , always seeking ways
to enhance their business and investment criteria's for their professional businesses . Information
Technology pleased to utilize IQ based Intelligent systems to retrieve their desires in business,
timely, accurately market provider from a single reliable provider .IQ based systems allows to
conduct competitive Business intelligence and financial sponsors to complete transactions &
corporate investments. These systems can ... Show more content on Helpwriting.net ...
business intelligence finds accessible reports and analysis which may include dataware housing ,
datamining, analysis matrices, etc. Historical Data : A one can handle much work in short term and
small company , but as far your company grows , you may face challenges many problems devoting
sufficient time to intelligence hopefully . as data become larger you can get software , and then u
may use your number of workers their minds and just one system based on intelligence , which can
save our time– and money and fulfill your requirements in seconds , will restore consumers trust on
your company Decision Making : It is one of the best approach to find out the title story of trust in
capital market by intelligent systems . These type of software allows an organization to better look
upon the relation b/w Data for better decision making and optimal deployment

Political Regulatory Environment And Related Government...
Introduction
The article describes the background that the Tasmania whisky production constantly increases and
demand of the barrels increases sharply as well. Chet, the CEO of New Heaven Import Export Co.,
plans to form a joint venture, New Heaven Liquor Co., with Hong Kong liquor distributor. The new
firm will locate in Hong Kong and employ local people. This report addressed opportunities and
threats of the joint ventures through analysing the political–regulatory, social–cultural and
technological environment, and provide recommendations to help Chet make decision on whether
the venture should be undertaken.
1. Political–regulatory environment
Hong Kong became the special administration region of China since 1997. The principle of ... Show
Secondly, Hong Kong offered an open and friendly investment policy. It played a role of market
regulator with less government intervention rather than market participant with more intervention.
For example, Hong Kong did not impose regulation on working hours and terms of contracts, and it
only regulated the statutory minimum wages per hours for labours (Hong Kong business forecast
report 2015).Thus, the labour costs in Hong Kong are flexible and company has more rights on
contract when hire employees. Moreover, government allowed foreign investors to legally acquire
the ownership of property in most industrial sectors except for broadcasting industry (Country
profile 2015) and to freely select investment area without restriction. Furthermore, government
optimized the procedures of business registration, and it helped investors save time from application
process. Besides, there is no different treatment between local investors and foreign investors.
Government set the same business regulation to the same industry. Thus, foreign investors have
equal chance to compete with local investors.
In addition, Hong Kong had 'simple and low tax regime'. Company only need to pay the tax amount
based on their revenue earned in Hong Kong, and they did not need to pay 'sales tax, capital gain tax
and withholding tax on dividends' (InvestHK 2016). These tax exemptions would obviously reduce
tax expense of the company. Meanwhile,

New For Equity Markets : How Can You Transform Your Money...
NEW TO EQUITY MARKETS? HOW CAN YOU TRANSFORM YOUR MONEY INTO
WEALTH CREATION
"Wall Street is the only place that people ride to in a Rolls Royce to get advice from those who take
the subway"......WARREN BUFFETT
Stock market is the arena where people indulge in buying and selling stocks trading on the
exchange, thus creating the dynamics of stock price through demand and supply of the stocks.
9:15 the bell rings and there are money flooding into and out of the market. This is what generally
people do who are new to the market. They make money, lose more than they gain and still have
anxiety to trade in the market just in the thought that they would be Warren Buffett trading the
stocks and that is where most of them go wrong. All of the human unhappiness comes from one
single thing, not knowing how to remain rest in the room. And to bring back their lost money, they
flood in more currency and it goes on and on but never reaches the level they started with. They
even don't know that they would have paid handsome brokerages to the brokers which also adds up
to their losses.
Yes, this is the dynamics of the stock market where people want to become rich overnight. They
don't have the patience to wait for years. They want easy money and they further shorten their time
frame to become rich when they have recently enjoyed the taste of triumph. This is a bitter truth –
intraday(buy and sell the stocks the same day) and derivatives(buy or short sell the stock with few
months time taking

Best Stock Investment Strategies By Billy Williams Essay
Best Stock Investment Strategies
By Billy Williams | Submitted On June 28, 2011
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Expert Author Billy Williams
In the stock market, the best stock investment strategies are usually the ones that have been proven
reliable over a period of time and the longer the better. Sadly, in the investment industry, there are
numerous vendors that recommend investment strategies based on everything from planetary
alignment to harmonic price patterns making the decision on which approach to use incredibly
difficult not to mention frustrating for many investors. Combine that with countless TV shows,
newsletters, and "professional" advice, it can be next to impossible to find a strategy to help you
achieve your investment goals. Fortunately, there are a few key investment approaches that have
withstood the test of time and most of the great investors throughout history have used on of these
approaches to some degree or another and, now, so can you.
Decades ago, Benjamin Graham, wrote his book, "Security Analysis", based on his experience with
seeking out companies that were considered bargain stocks based on his analysis of a company 's
intrinsic value which later

SEC MARY Essay
Case2
Remote environment– PESTEL
Industry environment–five forces
Internal environment– strategic driver (industry/market, product/service, customer, channel,
competitive advantage), operational driver, (cost, revenue, growth), people and organizational driver
(structure, skill, capability), SWOP analysis and GAP analysis
Product/market development
Strategic development
Vision: SEC aims to act as an agency that was high functioning, agile and intelligent, and committed
to investor protection and market integrity, which is really critical to the success of economy.
Mission: Restoring SEC's vigour and credibility within the financial regulatory community as an
agency and assessing what went wrong and to ensure it did not happen ... Show more content on
Helpwriting.net ...
Change management is designed to ensure the effective transition of an organization and its people
from the current to future states, and is about effectively leading and managing individuals, teams
and organization to successfully adopt the changes needed to achieve required or desired business
results. Kotter's eight–step can be used to transform SEC successfully. 1, establishing a sense of
urgency As initiators of the strategy, there is a need to establish a sense of urgency.
Visible crises can be enormously helpful in catching people's attention and pushing up urgency
levels. Admissions of significant failures at the SEC extend back over many years and cover
multiple areas of SEC operations, the credibility of the SEC as a financial regulator has never been
lower. The SEC failed to discover a $50 billion Ponzi scheme at Madoff Investment Securities,
despite having received allegations of wrongdoing for over a decade, suggests fundamental
weaknesses in its core enforcement
2, forming a powerful guiding coalition It is critical to create a guiding coalition to build urgency
and momentum for the change, it is crucial to identify key people from different areas of the
organization who would be willing and able to manage the change. It is important to get this group
operating as a team early in the process.
(a) Mary set up new senior

Amortization And Impairment Of Goodwill
Amortization Versus Impairment of Goodwill:
Impact on Accounting Quality, Financial Statements' Economic Value, Investors, and Auditors
Accounting Standards Codification (ASC) replaced all U.S. financial accounting standards in July
2009. Consequently, ASC 350, Intangibles – Goodwill and Other, replaced SFAS 142, Goodwill and
Other Intangible Assets in September 2011. Under ASC 350, goodwill must be periodically tested
for impairment. Goodwill impairment is determined through a two–step process outlined in ASC
350. However, in January 2014, an update to ASC 350 was released, which authorized an alternative
method of accounting for goodwill servicing private companies that could consequently reduce their
costs and simplify their accounting methods. Additionally, the international standard for goodwill
impairment, IFRS 3, specifically mandates that companies must annually test goodwill for
impairment. The specifics of the impairment test are entailed in IAS 36 Impairment of Assets, the
international standard for accounting for goodwill associated with business combinations. This
paper will analyze the effects of the accounting policies enacted under these standards and in
particular analyze the efficiency of impairment testing methods versus amortization of goodwill and
the connection of impairment methods with managerial and CEO compensation and earnings
management. Finally, this paper will analyze if impairment testing under ASC 350 and IAS 36 or
amortization, which is

The Future of Computer Science Essay
The Future of Computer Science
Computer Science, Software Engineering and Information Systems are international qualifications,
enabling people to work globally, and in a very broad variety of roles. There is steady growth in
demand for technically adept and flexible IT graduates. Declining student enrollment, while growth
continues in law, medicine, biology, economics, and business; the decline among women is
particularly alarming (Klawe and Shneiderman 27). Computer science is now a part of everyone's
daily life through the innovations and technologies it enables. From transforming health care to
enabling a more robust national defense, computer science is on the forefront of discovery, driving
economic growth and transforming our ... Show more content on Helpwriting.net ...
As a government, it requires its ability and being able to express the reality completely for all
people. They should release the power from the previous level supervising authority and verify the
lawful financial information. Ideally, this suggestion can avoid the financial crisis based on the
failure of credit department. From research and development investors' point of view, even though
the U.S. fiscal deficits year after year, but research funding has continued to increase (28).
Nowadays, the financial crisis has got more severed. Thinking of the investment banks have
performed the significantly technical positions in the financial history. Banks help raising money for
the new company, and the product that they buy is raising comprehension of investors' interest in
technology companies. Despite of the global financial depression, high–tech industries' profits are
still rising.
As we live in the 21st century, development of science and technology grow very quickly. As far as I
have known the field of computer application continuously expanding, and the rapid development of
science and technology. It has become necessary in various areas of the goods. Perhaps in the near
future, we carry the computers, cell phones and other digital products is not the way with the hands
in pocket. Lohr claims that computer science is "young

Company Analysis: Harfam Makmur Jaya, Situbondo Indonesia
The framework is derived from literature of foresty invesment performance measurement as well as
from the case study findings. Case study has been implemented in Harfam Makmur Jaya, Situbondo
Indonesia, a forestacy company investment.
III. Finding and Discussion
3.1. Company Profile
Case study conducted in Harfam, a company engaged in the planting of forests since 2004. Starting
from the high attention of Harfam founders to the conservation of nature and natural empowerment
that can provide economic value. Soils and Critical land planted tested with teak seedlings and
Jabon. Further, it is developed by means of recovery plants. Soil quality becomes better. Land
becomes green again.
Harfam in collaboration with field forestry experts and forest dwellers do maintain forest, also
formulate suitable fertilizer for managed plants. Crop has better quality, the failure rate is small and
the sale value of forest products is very high which can provide welfare for the owner and support
village community. Harfam also does research on plant seeds. ... Show more content on
Helpwriting.net ...
Forest planting is done through a system of intercropping with other productive plants. Harfam
manages forests, are not wholly owned by Harfam. Forests also owned by individual owners who
invest in his own land.
Harfam has vision to be the biggest environment exploiter and preserver company in the world. The
mission of Harfam is:
a. Educating people about the importance of managing forest land into economic value and foster a
desire to invest as well as to grow awareness of the value of benefits that can provide shared
prosperity.
b. Synergy with reputable institutions in related

Technology And Social Trends : Young Investors And...
When it comes to investing, millennials adhere to a different approach than their parents. Young
investors, who have been through two market crashes, have developed skepticism and mistrust
towards banks and traditional advisory services. Many millennials prefer to save and forgo investing
all together. For those willing to test the market, technology and social trends play a significant
impact on their decision making. With millennials now outnumbering baby boomers in the U.S.,
many traditional financial services strive to connect with the younger generation. This comes on the
heels of a noticeable upward trend in financial technology and online wealth management. Through
the use of technology, robo–advisors have built a successful foundation for attracting young
investors.
Technology
Given their love of technology, it comes as no surprise that millennials are gravitating towards
financial technology. Young investors are accustomed to using technology for every aspect of their
lives and investing is no different. Their relationship with technology makes digital asset
management more appealing. Young adults are more inclined to make choices via a smartphone over
in person interactions. Not only do millennials prefer accessible apps and web based platforms, but
automation has played a major factor in the success of robo–advisors. Millennials are accustomed to
subscribing to all their services electronically. To them, investing is another service that should be
automated.

Nato Entry Into The European Union
Croatia is one of the most likely candidates for entry into the European Union within the next few
years and as a result it is also one of the more exciting of Europe 's emerging economies in terms of
potential property price growth because with pre–EU entry comes serious foreign direct investment
and political and economic stability, and post–EU entry comes greater worldwide confidence in a
country and a nation 's ability to trade more directly and favourably with the rest of the European
Union.
When you add to this positive news the fact that Croatia has 5,835 kilometres of coastline (1,777 km
on the mainland with 4,058 km wrapped around its numerous pretty islands) and a Mediterranean
climate you have immeasurable tourism potential ... Show more content on Helpwriting.net ...
Another advantage that the ease of availability of mortgages has is that it means the local population
has more access to property based finance and the local market in Croatia also demands property
stock...this is good news for an investor. Why? Because tourism potential is good, but having a local
market willing and able to take real estate stock off an investor 's hands in the future is even better
news. Targeting this increasingly affluent nation an investor has a chance of generating sustainable
and consistent returns from a commitment to Croatia for the medium term at least.
Another reason why property in Croatia will be big business in 2007 and beyond is because of an
increase in the number of international businesses choosing locations such as Dubrovnik and Zagreb
in Croatia as centres for near–shoring back office operations for example. Croatians are hard
working, intelligent people who will currently work for lower rates of pay that their counterparts in
the EU–15 for example and some companies are establishing operations in Croatia to tap into this
labour force and are demanding commercial premises as well as pushing up local demand for
residential stock.
Levels of foreign direct investment as well as the number of international companies setting up
regional hubs in Croatia also represents a positive factor for investors to bear in mind. FDI and more

Comparing King's Techniques To Make His Big Break In A...
Genre – Drama/Comedy
Duration – 5 – 10 minutes
Target Audience – Men & women aged 15 – 25
Synopsis – In this dramatic and comedic short film a young writer battles every obstacle and
undertakes any challenge to write and direct an award winning film. Story Outline – STIRLING
BRYCE, a young and intelligent writer looking to make his big break in the film industry makes the
descision to enter a short film into a local competition. Stirling has been meaning to enter one of his
films in a competition but has always been to scared to fail. Although, upon learning that a major
investor is willing to fund the winner for a future production he is convinced that this is his best
oppurtunity at becoming a film writer/director.
At first Stirling is excited for the pre production process of his film, but as the hours of
brainstorming slowly pass he realises that devising an idea that is completely new and creative is
extremely difficult. He researches in detail, various methods that can help him break his writers
block. The first one being "astral projection" or better known as an "out–of–body experience". The
second being to go out and talk with ... Show more content on Helpwriting.net ...
However, in this despiration he finds revelation. An idea. Stirling has found an idea for his short
film and is confident that it will be enough for him to win the competition. In finding this new idea
that is sure to win the competition he begins to write.
Charcter Analysis – STIRLING BRYCE, Male, 20
Stirling Bryce, a young writer/director looking for his big break in the film industry. Stirling is often
percieved as being a shy, outspoken and intelligent 'home body' that spends most of his time writing
and working. He is often filled with new and creative ideas to develop into a film but due to his
constant working and lack of sleep and social interractions he struggles. Despite Stirling's mellow
personality he is willing to go to, far extents in order to complete the task at

Environmental and Consumer Influences Analysis
Environmental and Consumer Influences Analysis PSY 322 Don Crabtree Environmental and
Consumer Influences Analysis A consumer's product selection, whether it is an item or a service, is
influenced by a number of competing factors. All of those factors can make the process easier, or
more difficult, depending upon the consumer's own decision making process. Social, political,
psychological, cultural, and legal processes, to name a few, all influence the consumer's decision
making process. In the case of retirement investments, particularly variable annuities, that process is
made even more difficult due to the complexity of the investment. Tax consequence must be
considered. Inheritance and wealth preservation are ... Show more content on Helpwriting.net ...
Mentioned below are three important factors most people face with marketing techniques: Cultural,
Political, and Business Ethics. Cultural: In the U.S. there are many cultural variations. One of the
things I've found to be a factor with marketing, is the basic cultural and language variations between
people from different countries. The complex details of a variable annuity are difficult to explain in
any language, so when the client may not speak and understand the broker's language well enough,
there may be a high level of insecurity over the whole purchase process. Also, imagery used in
marketing materials may not have the same impact on people from different cultures, and may even
be offensive or unrealistic. These same anxiety inducing factors may also prevent the investor from
asking questions they feel are relevant, but don't want to be perceived as uneducated or
unsophisticated. Consumer behavior differs in each culture, in which one might use everything from
body gestures, long periods of silence, and empathy to exchange communications. People might
have a hard time with reading investment materials, writing and speaking a less than familiar
language, but might have very clear listening abilities that could increase their comfort with and
comprehension of the product. Political – We've all seen the stock markets rise and fall with the

Reducing Capital : The Problem Of Capital And Crowd...
There are a countless number of ways for startups to try and raise capital for their new ventures, but
not all of them are the right fit for each startup. Most entrepreneurs have the initial reaction that they
need to go out and find capital as quickly as possible. Inexperienced entrepreneurs do not realize the
repercussions that can happen by selecting the wrong funding outlet. Crowd funding is becoming
increasingly popular because of the ability to microfinance investments. This industry shift makes
deal flow happen more quickly but limits the amount of relationship resources needed to help build
successful businesses. If you are not an experienced entrepreneur, this method of investment can
pose a huge financial and educational risk. ... Show more content on Helpwriting.net ...
Money is great, but sometimes how you receive it is more important for the livelihood of your
business. Getting the financial resources for your business is extremely important for its long term
success, but the having the relationships with other intelligent people can help the entrepreneur more
clearly understand what to do with the investment. Venture capital and angel investments are often
not properly allocated even with guidance. Crowd funding makes this problem even worse.
One is you, two is company, and three... well... three(+) is a crowd. When it comes to relationships,
the middle option is perhaps best as it decreases complexity and the number of moving parts.
Alternatively, when it comes to sourcing cash to support your idea, product, or dream, you
undoubtedly want a crowd – three(+) is a crowd.
According to Google a crowd is a, "large number of people gathered together, typically in a
disorganized or unruly way." Two factors in this definition that are interesting when considered
within a 21st century technological perspective is the idea of being "gathered together" in a
"disorganized or unruly way". With the dawn of the internet, social media, and the information age a
crowd might never ever even be in the same geographic place at the same time. They can be in the
same place "gathered together" within virtual spaces. Moreover, with the emergence of
crowdfunding

Bank Of America Ethical Analysis
Ethical Analysis of a Firm: Bank of America Bank of American is an American multinational
banking and financial services corporation, founded in 1874, that is headquartered in Charlotte,
North Carolina (Intelligent Investor, 2016). According to its website, Bank of America traces its
roots back to the Civil War via its heritage bank, The State Bank of Albany (Bank of America,
2016). It is a full service bank offering various banking and financial services for individuals,
businesses, investors, corporations, and governments in the United States and internationally
through operating 5,100 banking centers, 16,300 ATMs, call centers, and online and mobile banking
platforms (Intelligent Investor, 2016). Bank of America was listed by Forbes in ... Show more
content on Helpwriting.net ...
Already in poor financial shape from a downturn in the economy, Bank of America compounded its
problems by acquiring Countrywide Financial, the largest mortgage originator in America (at the
time) in 2008 (Maxfield, A Brief History of Bank of America in Crisis, 2015). This acquisition
proved to be a very huge mistake for the bank. Countrywide lacked integrity when it came to
underwriting and selling mortgages and had very unethical loan origination processes. Its property
appraisers inflated home values, its loan officers helped applicants falsify income and assets on their
mortgage applications, and its capital markets teams misrepresented the quality of the resulting
mortgages to institutional investors like Fannie Mae and Freddie Mac (Maxfield, A Brief History of
Bank of America in Crisis, 2015). The result of this one poor business acquisition alone was years of
legal issues and losses. The legal woes created by Countrywide alone amounted to $40.3 billion of
the $91.2 billion levied against the bank since 2008 (Maxfield, A Brief History of Bank of America
in Crisis,

Haveloche Corporation Case
Financial Analysis of Haveloche Corporation
Haveloche Corporation is a research and development company, which translates into sporadic cash
flows over time. There are times when genius ideas bring in lots of cash flow for the company. But
there are also times where those genius ideas are shelved because no one has an interest in that
patent. The ever changing cash flows prove to be difficult for decision making, especially when it
comes to whether the company should give back to its investors or not. Haveloche is constantly
faced with the predicament of deciding what dividend policy is best for the organization and the
investors. The company's CEO listed the stock prices and dividends for us to take a look at, so let us
do just ... Show more content on Helpwriting.net ...
According to the third theory, Tax Preference Theory, capital gains are preferred over dividends.
Due to time value of money, a dollar paid in the future on taxes has a lower cost than a dollar paid
on taxes in the present. Capital gains typically have better tax advantages than dividends which is
why some investors prefer to invest in companies that minimize dividends.
Based on the scatter plot, I would have to say that Haveloche has chosen a variety of these different
theories over the years since they have been paying dividends. When the company needed to
reinvest the money back into the company, they dividend was lowered. When the company had
plenty of extra cash lying around, the dividend payout increased. Haveloche has been paying a
dividend since its initial IPO, but those dividends vary from year to year. One could argue that the
dividend is guaranteed each year based on past history, but the investor does not have a clue as to
how what that dividend will be based off of.
And if you take a look at the stock price from year to year, it widely fluctuates up and down.
Investors in this do not know from year to year if the company's patents are going to strike it rich or
if they are just going to be shelved. It being an R&D company, it is a risky company, which
investors know prior to taking the plunge with investing their hard earned money.

Ponzi Vs Madoff Essay
Charles Ponzi was an Italian immigrant who, born in 1882 in Parma, Italy. Ponzi arrived in Boston
in 1903 with $2.50 in cash and $1 million in hopes. Ponzi started out working odd jobs and later
moved to Montreal, where he found a job as a teller at Bank Zarossi. The bank went bankrupt
leaving Ponzi penniless. However, it does not make one more unethical than the other. Both Ponzi
and Madoff made a decision to rob and scam others to benefit from their investments. Although
neither is more or less unethical than the other yet such a decision would question Madoff's
intelligence because Madoff was a highly intelligent successful multimillionaire with a reputation
who should have known the consequences of the Ponzi schemes. Therefore he allowed greed to get
him ... Show more content on Helpwriting.net ...
Therefore when investors start withdrawing their funds, the organization uses other investor's funds
to pay withdrawals. The Ponzi scheme was also referred to as "robbing Peter to pay Paul".
According to (Ghillyer, A. W. 2014) robbing, Peter to pay Paul was a practice of providing old
investor's above–average returns on their investments with funds raised from new investor's in the
absence of any real business operation which was illegal and unethical. This scheme was later
renamed as the Ponzi scheme. The SEC does bare responsibilities in the Madoff scheme. The SEC
was responsible for conducting investigations to prevent financial fraud. However, Harry
Markopoulos reported to the SEC there were 29 red flags that would prevent the scheme to
continue. Nevertheless, the SE failed to properly investigate to stop the financial fraud led by
Madoff. The SEC was also given several reports documenting the risk of fraud yet continued to
ignore and failed to properly investigate a scheme that could have easily prevented in

Warren Buffett's Current Success
Warren Buffett's Background
Warren Edward Buffet was born on August 30, 1930 in Omaha, Nebraska, United States of America.
Son of a local stockbroker, from a very young age Buffet grew an affection for money and
investments, at the age of eight he began reading his father's book on the stock market (Hagstrom,
2005, pg. 2). He obtained a Bachelor in business administration at the University of Pennsylvania
and then he went on to Columbia University, where he earned a Masters in economics. His time at
Columbia University was the stepping stone to his current success. He was mentored by one of the
most acclaimed investors of all time, Benjamin Graham, that not only helped him reach where he is
today but also obtain a different perspective when investing in firms.
Warren Buffett with 84 years old is still active in the business world. Recently, Berkshire Hathaway
bought the Duracell for a $4.7 billion and Warren Buffett, as always, took part in the acquisition
(Gara, 2014).
Warren Buffett's Main Ideas
During his university life and career, Benjamin Graham remained Buffet's foundation for success.
The Intelligent Investor, written by Graham, is described by Buffett as the best investment book to
date (Graham and Zweig, 2003, pg. ix), and is the foundation of Buffets' unique concepts in
investment. Graham throughout 400 pages underlines what is necessary for an investor to succeed in
the stock market, with Graham's ideals and his unique expertise Warren Buffet was able to develop

Bill Gates Research Paper
There are many unique and fascinating people of all ethnicities and races. There are people who are
smart, and there are people who are not as smart. Out of all the diverse people in the world, I would
want to be like Bill Gates. Bill Gates was born in Seattle, Washington in 1955. Bill Gates is an
inventor, a programmer, and an investor. He has founded many companies, most notably the
Microsoft Corporation. In his early life, he programmed a version of a programming language called
"BASIC" for the new Altair computer made by MITS, or Micro Instrumentation and Telemetry
Systems. He later programmed a new operating system called Microsoft Windows. After many
struggles and hard times, Microsoft grew exponentially to become the world's largest ... Show more
content on Helpwriting.net ...
When you are rich you can enjoy life. "Wealth is the ability to fully experience life" (Henry David
Thoreau). With a lot of money you could buy your dream house and live in it with your wife and
kids. You could buy your kids whatever they want. You could relax by a pool with a glass of wine
while your kids swim in the pool. There are infinitely many options available to you when you are
rich. Another reason why being rich is nice is that you can help the people in need. According to
worldhunger.org, in 2014 11.3% of the world's population, or 805 million people were
malnourished. With a lot of money, you could donate to companies that are trying to help the people
in the world who are undernourished, making the world a better place. You could also help the
medical field. There are hundreds of diseases with no cures that scientists are trying to cure. A lot of
money is needed to try to find a cure. You could help by donating to scientists, and you could help
save the human race in the future when there is a epidemic. However, a lot of money isn't all life has
to

Madoff, A Powerful And Revered Man By Wall Street
Bernie Madoff, a once powerful and revered man by Wall Street experts pled guilty on March 12th,
2009 to the largest Ponzi scheme in history. Bernie Madoff was a very intelligent man who correctly
predicted that the buying and selling of stock would be computerized. He was able to generate a
unique system that provided better prices that attracted new clientele. Madoff was known as a major
player and earned a great reputation from Wall Street executives as a financial wizard. The
reputation of his engagement and involvement in industry organizations eventually lead him in
becoming a nonexecutive chairman of the NASDAQ stock market in the early 1990's. His success
and reputation enabled his company, Bernard L. Madoff Investment Securities, to prosper and grow.
Madoff targeted specific elite groups of investors, creating a prestigious reputation and making
investors believe that they were members of an exclusive club. The reputation of his prestigious firm
continued to grow by declining many requests to accepting new investors. His marketing strategy
worked and attracted many more new investors. Although his account statements were pure fiction,
his prominence and strategically cultivated image kept investors from questioning his success and
methods. Madoff's Ponzi scheme was very complex and operated on major scale. Typically scam
artist would take money from new "investors" and use it to pay off existing investors. Eventually the
scheme ends when there are no new

The Technology And Social Trends
When it comes to investing, millennials have a different approach than their parents. Young
investors, who have been through two market crashes, have developed skepticism and mistrust
towards banks and traditional advisory services. Many millennials prefer to save and forgo investing
all together. For those willing to test the market, technology and social trends play a significant
impact on their decision making. With millennials now outnumbering baby boomers in the U.S.,
many traditional financial services strive to connect with the younger generation. This comes on the
heels of a noticeable upward trend in financial technology and online wealth management. Through
the use of technology, robo–advisors have built a successful foundation for attracting young
investors.
Technology
Given their love of technology, it comes as no surprise that millennials are gravitating towards
financial technology. Young investors are accustomed to using technology for every aspect of their
lives and investing is no different. Their relationship with technology makes digital asset
management more appealing. Young adults are more inclined to make choices via a smartphone over
in person interactions. Not only do millennials prefer accessible apps and web based platforms, but
automation has played a major factor in the success of robo–advisors. Millennials are accustomed to
subscribing to all their services electronically. To them, investing is another service that should be
automated. Compared

The Pros And Cons Of Robots
My entire life, from what I can remember, has always been accompanied by technology or robots.
From a young age I played the newest video game consoles: Playstation 1, Playstation 2, Nintendo
DS, Gameboy. Along with those game consoles I would play on the computer we kept in my parents
bedroom. I got my first flip phone in 5th grade with the IPhone 4 following 6th grade year. My very
own laptop came 7th grade year. As you can see, I have had many experiences with a variety of
consoles and devices. Technology has just always fascinated me, when I would play games, I would
be left with a certain greed to play more and more. Now a days, you have robots like Amazon Alexa
or Siri in the IPhones that can talk to you, do commands, and even answer questions. Every year
companies make robots with more intelligence, but lets look at robots from a smaller standpoint. I
believe everyone has a general idea what a robot looks like; I can guarantee you see a human like
figure that's more intelligent than the average joe. Although you're not completely wrong, robots
come in just about every shape and size. (National Geographic) According to an article written by
Robohub from National Geographic, "What a robot looks like depends on its purpose. Flying robots
might look like helicopters, or have wings like insects or birds. Cleaning robots often look like little
vacuums." Our TVs, stereo systems, they are all robots. Go look in your kitchen, what do you see? A
fridge? A microwave? A dish

You Should Debt Be Paid
The eight key lessons when looking to purchase a stock/security are: "Never forget to account for
the psychology of the investor. Debt be damned. Think long term. Comb through balance sheets.
Fundamentals...and forget the rest. Diversify your assets. Be willing to buy something no one else
wants, cheaply. Be an activist investor" (Intelligent Investor). "Never forget to account for the
psychology of the investor" is saying what they do is because of what they believe in, how they act,
and what they do. "Debt be damned" is saying that it should be disregarded. Don't need to
necessarily care about debt. "Think long term" is saying to look at things in the aspect of eternity.
"Comb through balance sheets" is saying to look carefully. Keep your ... Show more content on
Helpwriting.net ...
I don't completely agree with the "forget the rest" part because I think there is information that can
be very useful as well but not a fundamental.
In looking for a value/bargain stock, the fundamentals, metrics, and/or indicators that I would look
for in a firm is the past performance of the firm in recent years, whether the firm is making money
and if they are reinvesting it back in the company, and if the balance sheets show that they have a
good about of assets. Benjamin Graham looks for a future in a firm. He looks at the market as one
like you would a business partner. One who would offer to buy you out or sell you his interest daily.
He refers to this person as "Mr. Market" (Investopedia).
This concept impacted Warren Buffett by having the right mental attitude towards the market
fluctuations that will conduct the most success. He states that Mr. Market is there to guide you not
serve you (Farnam Street). It is your choice to ignore him or to take advantage of what he has to
offer. The concept impacted the strategies of Berkshire Hathaway by achieving the companies
investment success by having good investment judgement along with insulate Mr. Market's behavior
(Farnam

Financial Analysis of Yum Brands
A Financial Analysis of Yum! Brands, Inc
Restaurants are, and will continue to be, an extremely profitable business. As a result, shareholders
who have interest in brands such as McDonalds and Starbucks need not to worry about negative
implications for the food giants compared to more risky industries. One company in particular, Yum!
Brands (YUM), is another brand investors should become familiar with. Consumers may recognize
the more specific stores the company owns such as Taco Bell and Pizza Hut, but investors should
realize the sales and earnings growth associated with this organization. In addition, while there are
many companies in the restaurant industry, Yum not only rings familiar with consumers like
Starbucks, but Yum ... Show more content on Helpwriting.net ...
To justify this claim, during the past twelve months, Yum received a revenue figure, according to
Reuters, of $9.56 billion. This number was a 5.05% increase compared to the previous year number.
While this increase in margin was a bit below the average year–to–year increase of 6.58%, the
difference in growth decline was only a 23% difference. Other companies like Brinker saw a 43%
deceleration during this same time period. In addition, while some investors may critique the
industry 11.31% growth in sales during the past to Yum's lower numbers, it is also important to
realize that Yum supports the seconds highest sales figure in its industry, and appreciation of revenue
growth will be much difficult than smaller–capitalization companies to come–by. This is in addition
to the fact that many lower–revenue companies in this industry are actually seeing negative sales
growth (not deceleration) during the same time frame as the aforementioned analysis. With these
thoughts on sales at hand, these numbers can be used at the broadest of levels to illustrate that the
steady increase and influx of money into Yum over its career has aided in the appreciation of its
share price. Since 2003, not once has Yum seen a calendar year decrease in price. This comes with a
25% appreciation in 2006 and a 12% escalation so far in 2007––despite the recent economic
turmoil. These sales and share price indications illustrate that Yum will fair very

Examples Of Efficient Market Hypothesis
1. Efficient Market Hypothesis – The concept and its assumptions What is Efficient Market
Hypothesis? Efficient Market Hypothesis (EMH) which published in Eugene Fama's 1965 paper
"Random Walks In Stock Market Prices". It is based on a "random walk theory" which earliest
examined by Maurice Kendall in 1953, he concluded that the movement of security prices on the
security market was random. (Kendall, 1953) "An 'efficient' market is defined as a market where
there are large numbers of rational, profit–maximizers actively competing, with each trying to
predict future market values of individual securities, and where important current information is
almost freely available to all participants. In an efficient market, competition among the many
intelligent participants leads to a situation where, at any point in time, actual prices of individual
securities already reflect the effects of information based both on events that have already occurred
and on events which, as of now, the market expects to ... Show more content on Helpwriting.net ...
As the information generally comes rapidly, securities price change randomly. (Fama, 1970)
Existing conditions of the Efficient Market Fama (1970) identified three sufficient conditions of the
efficient market: (1) No transactions cost when buying or selling securities (2) All available
information is costlessly and available to all investors. (3) All investors are rational that accept the
current prices and future prices of the securities. Three Assumptions of Efficient Capital Market
There are three assumptions imply an efficient market include: an efficient market requires that a
large number of profit–maximizing investors analyze and value securities, all of them are
independent to the others. new information regarding securities comes to the market in a random
manner and the timing of one announcement is generally independent of

Ethics Is A Moral Principle That Governs A Person 's Or...
Fadi Mardini Philosophy 305 Professor: Christopher Pallotti February 23, 2016 Intelligence or
Scourge Ethics is a moral principle that governs a person's or group's behavior. Some people are
born with a high ability to lie, convince and manipulate other people's opinions. Some people care
only about their goals; without considering the results that it would cause on others. Being able to
manipulate other people's opinion after they have given you their trust is moral; however, it could
also be dangerous if it is used by the wrong people, because they might mislead others to do stuff in
their favor.People tend to follow those who offer means of satisfying their own needs, wishes, and
desires. We look at their experience and we hear their ... Show more content on Helpwriting.net ...
This procedure was going on for over Bernie, in fact, opened up two company that he did not even
need one was in Florida and the other one was in new York, he also hired employees and staff and
brought computers to make it look like a proper company, the whole company was run by his two
sons Mark and Andrew and his brother Peter. These were all fake things he made just so people see.
In an interview conducted with him Bernie said" It's like a money machine, easy peasy, I have never
lifted heavy weight. Bernie used his ability to convince people to mislead them to do what he wants.
Subsequently, The United States Securities and Exchange Commotion wanted to investigate Bernie's
company because the profit he was giving was "unreasonable." And also the American Recession
pressured everyone to draw their money at the same and it went public that Bernie was not investing
the money but just circling it around. That resulted in failure in the company and Bernie was caught
for attempting an unethical behavior, Ponzi Scheming. Bernie argued that he did not do anything
wrong. All he was doing was legal and he did give people what he promised them. He said
"Everybody thinks the worst of me. The only thing I'm happy about is I was able to help people
recover ... There's nothing for me to change from. It's not like I ever considered myself a bad person.
I made a horrible mistake and I'm

1934 Dbq
The effects of the economic market crash of 1929 appeared in how the public sustained severe
losses at the hands of securities traders and corporations. With the unmistakable need to restore
financial specialist trust in the securities market President Roosevelt pushed for a huge securities
regulation and the creation of the Securities Act of 1933 sprouted along with the approval of
Congress. Then in a year later in 1934 Congress observed the need to make modifications to the
1933 Act by establishing an independent governmental regulatory body the Securities and Exchange
Commission (SEC). The SEC main responsibility came to be to ensure and protect the public
against malpractices in the securities and financial markets. As the years passed businesses and
technology advances developed and the economic market expanded. With the economy market
positive rise many companies needed to keep up and acted upon fraudulent acts in order to stay in
the business competition. Companies acted fraudulent by "cooking the books" in recording ... Show
The Securities Exchange Act of 1934 is primarily concerned is requiring companies to disclosure
their material information to investors. Different from the 1933 Act, which consisted mainly on a
onetime disclosure statute when an issuer sells its shares to investors, the Securities Exchange Act
1934 Act requires periodic disclosures by issuers that hold a publicly equity securities. The 1934 Act
is to protect investors after the issuer becomes a public company. Issuers with publicly traded equity
securities, "Must report annually to its shareholders and submit annual and quarterly reports to the
SEC" (Mollar, Barnes, Langvardt, Prenkert, and McCrory, pg. 1206, 2016). Another difference
between these two acts is that under the 1934 Act issuers must register classes of securities, and on
the 1933 Act it requires only for the term of an issuance of

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