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1. Question : Which of the following is/are true?
I. Asset management ratio indicates how effectively a firm
generates profits on sales, assets and stockholder’s equity.
II. Liquidity ratios indicate the firm’s capacity to meet its
short-term financial obligations, but not its long-term
financial obligations.
III. Profitability ratios indicate how efficiently a firm is using
its assets to generate sales.
IV. Financial leverage ratios indicate the firm’s capacity to
meet its financial obligations, both short-term and long-term.
Student Answer:
II and IV
I and II
I, II, and IV
I and III
Question 2. Question : Which of the following is/are true?
I. When a loan is amortized over a five year term, the amount
of interest paid is decreased each year.
II. The effective annual rate of interest will always be equal
to or less than the nominal annual rate of interest.
III. An annuity due is the annuity in which the payments or
receipts occur at the beginning of each period.
IV. If the present value of a given sum is equal to its future
value, then the discount rate must be zero.
Student Answer:
IV only
III & IV
II, III & IV
I, III & IV
Question 3. Question : If a firm’s current ratio is 3.0,
Student Answer:
it is possible for its quick ratio to be larger than 3.0.
its current liabilities exceed its current assets.
it is possible for its quick ratio to be smaller than 3.0.
its current liabilities equal its current assets.
Ch 3
Ch 5
Ch 3
Question 4. Question : Which of the following is/are true?
I. The shareholder wealth maximization goal states that
management should seek to maximize the present value of
the expected future returns to the owners of the firm.
II. The primary reason for the agency problem between the
stockholders and managers is because of the separation of
ownership and management.
III. Protective covenants in a company's bond indentures are
used in agency relationships involving stockholders and
creditors.
IV. The fact that no investor can expect to earn excess
returns based on an investment strategy using only historical
stock price or return information is an example of
semistrong-form market efficiency.
Student Answer:
I and IV
I, II and IV
I, II and III
All of the above
Question 5. Question : If you’re a financial manager of a MNC (U.S. based) and you
anticipate that your company will need to pay C$2 million 6
months later. If you would like to make use of either forward
or futures or options contracts to fix your exchange rate
today, what is your strategy?
Student Answer:
BUY forward/futures contracts for C$2 million or BUY
call options for C$2 million.
SELL forward/futures contracts for C$2 million or BUY
call options for C$2 million.
BUY forward/futures contracts for C$2 million or ...
ACCT 3220
Fall 2013
Group Exercise #4
Sapienti Co. sells $400,000 of 12% bonds on June 1, 2014, the contract date. The bonds pay interest on December 1 and June 1. The due date of the bonds is June 1, 2018. The bonds yield 10%. After the second interest payment, Sapienti buys back the bonds when the market interest rate is 8%.
Required:
1. Record the journal entry for the issuance of the bond.
2. Record the journal entry for the first interest payment.
3. Record the journal entry on December 31, 2014.
4. Record the journal entry for the second interest payment.
5. Record the journal entry for the buy back of the bonds.
1
Question: If inflation is anticipated to be 5 percent during the next year, while the real rate of interest for a one-year loan is 5 percent, then what should the nominal rate of interest be for a risk-free one-year loan?
A
5 percent
B
10 percent
C
25 percent
D
None of the above
2
Question: Which one of the following statements is not true?
A
The value of a dollar invested at a positive interest rate grows over time
B
The further in the future you receive a dollar, the less it is worth today
C
A dollar in hand today is worth more than a dollar to be received in the future
D
The further in the future you receive a dollar, the more it is worth today
3
Question: Efficiency ratio: Jet, Inc., has net sales of $712,478 and accounts receivables of $167,435. What are the firm's accounts receivables turnover and days' sales outstanding?
A
0.24 times; 78.5 days
B
4.26 times; 85.7 days
C
5.2 times; 61.3 days
D
None of the above
4
Question: If you have loaned capital to a firm, then you could be
A
A shareholder
B
A stakeholder
C
A partner
D
All of the above
5
Question: Which one of the following is not an advantage of using ROE as a goal?
A
ROE is highly correlated with shareholder wealth maximization
B
ROE and the DuPont analysis allow management to break down the performance and identify areas of strengths and weaknesses
C
ROE does not consider risk
D
All of the above are advantages of using ROE as a goal
6
Question: The future value of multiple cash flows is
A
Greater than the sum of the cash flows
B
Equal to the sum of all the cash flows
C
Less than the sum of the cash flows
D
None of the above
7
Question: The major players in the direct financial markets are
A
Investment banks
B
Money center banks
C
Regional banks
D
Both A and B
8
Question: One of the main services offered by investment banks to companies is
A
Helping companies sell new debt or equity issues in the security markets
B
Making loans to companies
C
Taking deposits from companies
D
All of the above
9
Question: Shane Matthews has invested in an investment that will pay him $6,200, $6,450, $7,225, and $7,500 over the next four years. If his opportunity cost is 10 percent, what is the future value of the cash flows he will receive? (Round to the nearest dollar.)
A
$27,150
B
$29,900
C
$30,455
D
$3.
Description Instructions Complete final exam.Ques.docxtheodorelove43763
Description / Instructions: Complete final exam.
Question 1
Which of the following is considered a hybrid organizational form?
sole proprietorship
partnership
corporation
limited liability partnership
Question 2
Which of the following is a principal within the agency relationship?
a company engineer
the CEO of the firm
a shareholder
the board of directors
Question 3
Teakap, Inc., has current assets of $ 1,456,312 and total assets of $4,812,369 for the year ending September 30, 2006. It also has current liabilities of $1,041,012, common equity of $1,500,000, and retained earnings of $1,468,347. How much long-term debt does the firm have?
$803,010
$2,303,010
$2,123,612
$1,844,022
Question 4
Which of the following presents a summary of the changes in a firm’s balance sheet from the beginning of an accounting period to the end of that accounting period?
The statement of cash flows.
The statement of net worth.
The statement of retained earnings.
The statement of working capital.
Question 5
Efficiency ratio: Gateway Corp. has an inventory turnover ratio of 5.6. What is the firm's days's sales in inventory?
61.7 days
57.9 days
65.2 days
64.3 days
Question 6
Leverage ratio: Your firm has an equity multiplier of 2.47. What is its debt-to-equity ratio?
0
0.60
1.47
1.74
Question 7
Which of the following is not a method of “benchmarking”?
Utilize the DuPont system to analyze a firm’s performance.
Conduct an industry group analysis.
Evaluating a single firm’s performance over time.
Identify a group of firms that compete with the company being analyzed.
Question 8
Present value: Jack Robbins is saving for a new car. He needs to have $ 21,000 for the car in three years. How much will he have to invest today in an account paying 8 percent annually to achieve his target? (Round to nearest dollar.)
$26,454
$19,444
$22,680
$16,670
Question 9
PV of multiple cash flows: Ferris, Inc., has borrowed from their bank at a rate of 8 percent and will repay the loan with interest over the next five years. Their scheduled payments, starting at the end of the year are as follows—$450,000, $560,000, $750,000, $875,000, and $1,000,000. What is the present value of these payments? (Round to the nearest dollar.)
$2,815,885
$2,615,432
$2,735,200
$2,431,224
Question 10
PV of multiple cash flows: Ajax Corp. is expecting the following cash flows—$79,000, $112,000, $164,000, $84,000, and $242,000—over the next five years. If the company's opportunity cost is 15 percent, what is the present value of these cash flows? (Round to the nearest dollar.)
$429,560
$414,322
$480,906
$477,235
Question 11
Future value of an annuity: Jayadev At.
Fin 401 Enthusiastic Study / snaptutorial.comStephenson093
By monday, February 23, 2015 solve the problem below, calculate the ratios, interpret the results against the industry average, and fill in the table on the worksheet. Then, provide an analysis of how those results can be used by the business to improve its performance.
Balance Sheet as of December 31, 2010
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By monday, February 23, 2015 solve the problem below, calculate the ratios, interpret the results against the industry average, and fill in the table on the worksheet. Then, provide an analysis of how those results can be used by the business to improve its performance.
Balance Sheet as of December 31, 2010
Gary and Company
Fin 401 Massive Success / snaptutorial.comNorrisMistryzg
By monday, February 23, 2015 solve the problem below, calculate the ratios, interpret the results against the industry average, and fill in the table on the worksheet. Then, provide an analysis of how those results can be used by the business to improve its performance.
Balance Sheet as of December 31, 2010
Gary and Company
Cash $45 Accounts payables $45
Receivables 66 Notes payables 45
Inventory 159 Other current liabilities 21
Marketable securities 33 Total current liabilities $111
Total current assets $303
Net fixed assets 147 Long Term Liabilities
Total Assets $450 Long-term debt 24
Fin 401 Inspiring Innovation--tutorialrank.comPrescottLunt400
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By monday, February 23, 2015 solve the problem below, calculate the ratios, interpret the results against the industry average, and fill in the table on the worksheet. Then, provide an analysis of how those results can be used by the business to improve its performance.
Balance Sheet as of December 31, 2010
Gary and Company
ACCT 3220
Fall 2013
Group Exercise #4
Sapienti Co. sells $400,000 of 12% bonds on June 1, 2014, the contract date. The bonds pay interest on December 1 and June 1. The due date of the bonds is June 1, 2018. The bonds yield 10%. After the second interest payment, Sapienti buys back the bonds when the market interest rate is 8%.
Required:
1. Record the journal entry for the issuance of the bond.
2. Record the journal entry for the first interest payment.
3. Record the journal entry on December 31, 2014.
4. Record the journal entry for the second interest payment.
5. Record the journal entry for the buy back of the bonds.
1
Question: If inflation is anticipated to be 5 percent during the next year, while the real rate of interest for a one-year loan is 5 percent, then what should the nominal rate of interest be for a risk-free one-year loan?
A
5 percent
B
10 percent
C
25 percent
D
None of the above
2
Question: Which one of the following statements is not true?
A
The value of a dollar invested at a positive interest rate grows over time
B
The further in the future you receive a dollar, the less it is worth today
C
A dollar in hand today is worth more than a dollar to be received in the future
D
The further in the future you receive a dollar, the more it is worth today
3
Question: Efficiency ratio: Jet, Inc., has net sales of $712,478 and accounts receivables of $167,435. What are the firm's accounts receivables turnover and days' sales outstanding?
A
0.24 times; 78.5 days
B
4.26 times; 85.7 days
C
5.2 times; 61.3 days
D
None of the above
4
Question: If you have loaned capital to a firm, then you could be
A
A shareholder
B
A stakeholder
C
A partner
D
All of the above
5
Question: Which one of the following is not an advantage of using ROE as a goal?
A
ROE is highly correlated with shareholder wealth maximization
B
ROE and the DuPont analysis allow management to break down the performance and identify areas of strengths and weaknesses
C
ROE does not consider risk
D
All of the above are advantages of using ROE as a goal
6
Question: The future value of multiple cash flows is
A
Greater than the sum of the cash flows
B
Equal to the sum of all the cash flows
C
Less than the sum of the cash flows
D
None of the above
7
Question: The major players in the direct financial markets are
A
Investment banks
B
Money center banks
C
Regional banks
D
Both A and B
8
Question: One of the main services offered by investment banks to companies is
A
Helping companies sell new debt or equity issues in the security markets
B
Making loans to companies
C
Taking deposits from companies
D
All of the above
9
Question: Shane Matthews has invested in an investment that will pay him $6,200, $6,450, $7,225, and $7,500 over the next four years. If his opportunity cost is 10 percent, what is the future value of the cash flows he will receive? (Round to the nearest dollar.)
A
$27,150
B
$29,900
C
$30,455
D
$3.
Description Instructions Complete final exam.Ques.docxtheodorelove43763
Description / Instructions: Complete final exam.
Question 1
Which of the following is considered a hybrid organizational form?
sole proprietorship
partnership
corporation
limited liability partnership
Question 2
Which of the following is a principal within the agency relationship?
a company engineer
the CEO of the firm
a shareholder
the board of directors
Question 3
Teakap, Inc., has current assets of $ 1,456,312 and total assets of $4,812,369 for the year ending September 30, 2006. It also has current liabilities of $1,041,012, common equity of $1,500,000, and retained earnings of $1,468,347. How much long-term debt does the firm have?
$803,010
$2,303,010
$2,123,612
$1,844,022
Question 4
Which of the following presents a summary of the changes in a firm’s balance sheet from the beginning of an accounting period to the end of that accounting period?
The statement of cash flows.
The statement of net worth.
The statement of retained earnings.
The statement of working capital.
Question 5
Efficiency ratio: Gateway Corp. has an inventory turnover ratio of 5.6. What is the firm's days's sales in inventory?
61.7 days
57.9 days
65.2 days
64.3 days
Question 6
Leverage ratio: Your firm has an equity multiplier of 2.47. What is its debt-to-equity ratio?
0
0.60
1.47
1.74
Question 7
Which of the following is not a method of “benchmarking”?
Utilize the DuPont system to analyze a firm’s performance.
Conduct an industry group analysis.
Evaluating a single firm’s performance over time.
Identify a group of firms that compete with the company being analyzed.
Question 8
Present value: Jack Robbins is saving for a new car. He needs to have $ 21,000 for the car in three years. How much will he have to invest today in an account paying 8 percent annually to achieve his target? (Round to nearest dollar.)
$26,454
$19,444
$22,680
$16,670
Question 9
PV of multiple cash flows: Ferris, Inc., has borrowed from their bank at a rate of 8 percent and will repay the loan with interest over the next five years. Their scheduled payments, starting at the end of the year are as follows—$450,000, $560,000, $750,000, $875,000, and $1,000,000. What is the present value of these payments? (Round to the nearest dollar.)
$2,815,885
$2,615,432
$2,735,200
$2,431,224
Question 10
PV of multiple cash flows: Ajax Corp. is expecting the following cash flows—$79,000, $112,000, $164,000, $84,000, and $242,000—over the next five years. If the company's opportunity cost is 15 percent, what is the present value of these cash flows? (Round to the nearest dollar.)
$429,560
$414,322
$480,906
$477,235
Question 11
Future value of an annuity: Jayadev At.
Fin 401 Enthusiastic Study / snaptutorial.comStephenson093
By monday, February 23, 2015 solve the problem below, calculate the ratios, interpret the results against the industry average, and fill in the table on the worksheet. Then, provide an analysis of how those results can be used by the business to improve its performance.
Balance Sheet as of December 31, 2010
For more classes visit
www.snaptutorial.com
By monday, February 23, 2015 solve the problem below, calculate the ratios, interpret the results against the industry average, and fill in the table on the worksheet. Then, provide an analysis of how those results can be used by the business to improve its performance.
Balance Sheet as of December 31, 2010
Gary and Company
Fin 401 Massive Success / snaptutorial.comNorrisMistryzg
By monday, February 23, 2015 solve the problem below, calculate the ratios, interpret the results against the industry average, and fill in the table on the worksheet. Then, provide an analysis of how those results can be used by the business to improve its performance.
Balance Sheet as of December 31, 2010
Gary and Company
Cash $45 Accounts payables $45
Receivables 66 Notes payables 45
Inventory 159 Other current liabilities 21
Marketable securities 33 Total current liabilities $111
Total current assets $303
Net fixed assets 147 Long Term Liabilities
Total Assets $450 Long-term debt 24
Fin 401 Inspiring Innovation--tutorialrank.comPrescottLunt400
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By monday, February 23, 2015 solve the problem below, calculate the ratios, interpret the results against the industry average, and fill in the table on the worksheet. Then, provide an analysis of how those results can be used by the business to improve its performance.
Balance Sheet as of December 31, 2010
Gary and Company
BUS 401 Week 1 DQ 2 Cash Flow and Ratio Analysis.docx
BUS 401 Week 1 Quiz.docx
BUS 401 Week 2 DQ 1 Annuity and Capital Asset Pricing.docx
BUS 401 Week 2 DQ 2 Bonds and Common Stock.docx
BUS 401 Week 2 Quiz.docx
BUS 401 Week 3 DQ 1 NPV, PI, and IRR.docx
BUS 401 Week 3 DQ 2 Cost of Debt.docx
BUS 401 Week 3 Quiz.docx
BUS 401 Week 4 DQ 1 Leverage.docx
BUS 401 Week 4 DQ 2 Dividend Policies.docx
BUS 401 Week 4 Quiz.docx
DQ 2
Cash Flow and Ratio Analysis
From Chapters 3 and 4 complete Study Problems 3-2 (page 85) and 4-2 (page 122) and post the answers to the discussion board. Remember to complete all parts of the problems and report the results of your analysis. Do not forget to show the necessary steps and explain how your attained that outcome. Respond to at least two of your classmates’ postings.
Bonds and Common Stock
From Chapters 7 and 8 complete Study Problems 7-8 (pages 224-225) and 8-16 (page 253) and post the answers to the discussion board. Remember to complete all parts of the problems and report the results of your analysis. Do not forget to show the necessary steps and explain how your attained that outcome. Respond to at least two of your classmates’ postings.
7-8. (Bond valuation) ExxonMobil 20-year bonds pay 9 percent interest annually on a $1,000 par value. If bonds sell at $945, what is the bonds’ expected rate of return?
Annual interest: $90
Annual amortization of purchase discount: $55/20yrs. = $2.75
Total annual return: $92.75
Annual Yield: 92.75/945 = 9.788%
8-16. (Common stock valuation) The common stock of NCP paid $1.32 in dividends last year. Dividends are expected to grow at an 8 percent annual rate for an indefinite number of years.
Question 1 Which of the following is considered a hybrid org.docxIRESH3
Question 1
Which of the following is considered a hybrid organizational form?
corporation
sole proprietorship
limited liability partnership
partnership
Question 2
Which of the following is a principal within the agency relationship?
the CEO of the firm
a shareholder
the board of directors
a company engineer
Question 3
Teakap, Inc., has current assets of $ 1,456,312 and total assets of $4,812,369 for the year ending September 30, 2006. It also has current liabilities of $1,041,012, common equity of $1,500,000, and retained earnings of $1,468,347. How much long-term debt does the firm have?
$1,844,022
$2,303,010
$2,123,612
$803,010
Question 4
Which of the following presents a summary of the changes in a firm’s balance sheet from the beginning of an accounting period to the end of that accounting period?
The statement of working capital.
The statement of cash flows.
The statement of retained earnings.
The statement of net worth.
Question 5
Efficiency ratio: Gateway Corp. has an inventory turnover ratio of 5.6. What is the firm's days's sales in inventory?
57.9 days
64.3 days
65.2 days
61.7 days
Question 6
Leverage ratio: Your firm has an equity multiplier of 2.47. What is its debt-to-equity ratio?
1.47
0
1.74
0.60
Question 7
Which of the following is not a method of “benchmarking”?
Evaluating a single firm’s performance over time.
Identify a group of firms that compete with the company being analyzed.
Utilize the DuPont system to analyze a firm’s performance.
Conduct an industry group analysis.
Question 8
Present value: Jack Robbins is saving for a new car. He needs to have $ 21,000 for the car in three years. How much will he have to invest today in an account paying 8 percent annually to achieve his target? (Round to nearest dollar.)
$26,454
$16,670
$19,444
$22,680
estion 9
PV of multiple cash flows: Ferris, Inc., has borrowed from their bank at a rate of 8 percent and will repay the loan with interest over the next five years. Their scheduled payments, starting at the end of the year are as follows—$450,000, $560,000, $750,000, $875,000, and $1,000,000. What is the present value of these payments? (Round to the nearest dollar.)
$2,615,432
$2,815,885
$2,431,224
$2,735,200
Question 10
PV of multiple cash flows: Ajax Corp. is expecting the following cash flows—$79,000, $112,000, $164,000, $84,000, and $242,000—over the next five years. If the company's opportunity cost is 15 percent, what is the present value of these cash flows? (Round to the nearest dollar.)
$480,906
$414,322
$429,560
$477,235
Question 11
Future value of an annuity: Jayadev Athreya has started on his first job. He plans to start saving for retirement early. He will invest $5,000 at the end of each year for the next 45 years in a fund that will earn a return of 10 percent. How much will Jayadev have at the end of 45 years? (Round to the nearest dollar.)
$1,745,600
$5,233 ...
FIN 401 help A Guide to career/Snaptutorialpinck2377
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By monday, February 23, 2015 solve the problem below, calculate the ratios, interpret the results against the industry average, and fill in the table on the worksheet. Then, provide an analysis of how those results can be used by the business to improve its performance.
Balance Sheet as of December 31, 2010
Gary and Company
Cash $45 Accounts payables $45
FIN 401 help A Guide to career/Snaptutorialpinck235
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By monday, February 23, 2015 solve the problem below, calculate the ratios, interpret the results against the industry average, and fill in the table on the worksheet. Then, provide an analysis of how those results can be used by the business to improve its performance.
Balance Sheet as of December 31, 2010
FIN 401 Effective Communication/tutorialrank.comjonhson215
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Fin 401 Teaching Effectively--tutorialrank.comSoaps108
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By monday, February 23, 2015 solve the problem below, calculate the ratios, interpret the results against the industry average, and fill in the table on the worksheet. Then, provide an analysis of how those results can be used by the business to improve its performance.
Balance Sheet as of December 31, 2010
Gary and Company
FIN 401 Education Organization - snaptutorial.comdonaldzs189
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By monday, February 23, 2015 solve the problem below, calculate the ratios, interpret the results against the industry average, and fill in the table on the worksheet. Then, provide an analysis of how those results can be used by the business to improve its performance.
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By monday, February 23, 2015 solve the problem below, calculate the ratios, interpret the results against the industry average, and fill in the table on the worksheet. Then, provide an analysis of how those results can be used by the business to improve its performance.
Balance Sheet as of December 31, 2010
Gary and Company
Cash $45 Accounts payables $45
Fin 401 Effective Communication / snaptutorial.comHarrisGeorg18
By monday, February 23, 2015 solve the problem below, calculate the ratios, interpret the results against the industry average, and fill in the table on the worksheet. Then, provide an analysis of how those results can be used by the business to improve its performance.
Balance Sheet as of December 31, 2010
Gary and Company
Cash $45 Accounts payables $45
Receivables 66 Notes payables 45
Inventory 159 Other current liabilities 21
Marketable securities 33 Total current liabilities $111
Total current assets $303
FIN 650 GC Module 3 Exam Latest
Question 1. Cyberhost Corporation’s sales were $225 million last year. If sales grow at 6% per year, how large (in millions) will they be 5 years later?
A. $271.74
B. $286.05
C. $301.10
D. $316.16
E. $331.96
N 5
I/YR 6.0%
PV $225.00
PMT $0.00
FV $301.00
Question 2. Assume a project has normal cash flows. All else equal, which of the following statements is CORRECT?
A. A project’s IRR increases as the WACC declines.
B. A project’s NPV increases as the WACC declines.
C. A project’s MIRR is unaffected by changes in the WACC.
D. A project’s regular payback increases as the WACC declines.
Question 3. A project’s discounted payback increase Aubey Aircraft recently announced that its net income increased sharply from the previous year, yet its net cash flow from operations declined. Which of the following could explain this performance?
A. The company’s operating income declined.
B. The company’s expenditures on fixed assets declined.
Fin 401 Exceptional Education / snaptutorial.comBaileya52
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FinanceTest ISummer 20191. Using the following data, prepare a .docxericn8
FinanceTest ISummer 2019
1. Using the following data, prepare a three-stage ROE decomposition (DuPont Analysis) for Home Depot.
Return on equity (ROE)
12%
Sales
$5,000
Current ratio
2.29
Dividend payout ratio
25%
Dividends paid
$100
Total liabilities
$4,000
Accounts payable
$600
My work:
1) ROE = Net Income/Sales x Sales/ Equity (or 12%)
2) ROE = Net Income/ Sales x Sales/Assets x Assets/Equity
or …….(400/5,000) (5,000/ Assets) (Assets/Equity)
3) ROE = (Net Profit Margin) (Asset Turnover) (Equity Multiple)
Side notes:
(Accounts Payable) (Current Ratio) = 1,374/ 600 = 2.29
Current assets = 1,374
Current Liability or Accounts payable = 600
Current ratio = 2.29
2. Your task is to update your firm’s long-term financial model (that was originally prepared last year). In financial modeling, a key assumption involves the firm’s dividend policy, as typically specified by the firm’s payout ratio.
You recognize many differences between today and last year.
Last year, the Treasury Yield Curve was upward sloping. Today, the Treasury Yield Curve is inverted. Last year, the Fed was expected to raise interest rates. Today, the Fed is expected to lower interest rates. We also know the following:
TodayLast year
Forward P/E
16
20
Equity Multiplier
2.50
1.95
Based on the differences described above, would you expect the payout ratio in this year’s financial model to be higher or lower than it was last year? Briefly explain.
Based on the differences above, I expect that the payout ratio in this year’s financial model to be lower along with short term headwinds. The earnings per share is going down and the price is taking a hit. Also, assets are leaning towards the heavier side.
3. Glencore will need to have $3,000 on June 20, 2023 (four years from now) to purchase new equipment. To accumulate this money, it will make four equal investments, with the first of the equal investments beginning one year from now.
a. If Glencore can earn an annual interest rate of 10%, how much must it invest per year?
My work:
P1 = 646.41 x 1.10
P2 = 646.41 x 1.10
P3 = 646.41 x 1.10
P4 = 646.41 x 1.10
Invest per year = $646.41
=PMT (10%,4,0,3000,0)
b. After presenting your findings from the above calculation, Glencore’s CFO asks you to consider an alternative scenario. Both changes are to occur today and will continue throughout the four years. You are to consider both changes simultaneously.
1. The interest rate will increase today and remain at that higher level.
2. There will still be four equal investments, but the first investment will occur immediately.
Without doing any calculations, how would these changes (considered simultaneously) affect your answer in part a? Using no more than 50 words, carefully justify your response. Do not write more 50 words.
My response:
With a higher rate (ex: 12%) Glencore’s money is working harder. If less money is put down, then more money will result in t.
FIN 401 Perfect Education/newtonhelp.combellflower161
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By monday, February 23, 2015 solve the problem below, calculate the ratios, interpret the results against the industry average, and fill in the table on the worksheet. Then, provide an analysis of how those results can be used by the business to improve its performance.
Balance Sheet as of December 31, 2010
FIN 401 Become Exceptional/newtonhelp.combellflower140
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By monday, February 23, 2015 solve the problem below, calculate the ratios, interpret the results against the industry average, and fill in the table on the worksheet. Then, provide an analysis of how those results can be used by the business to improve its performance.
Balance Sheet as of December 31, 2010
Gary and Company
Cash $45 Accounts payables $45
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By monday, February 23, 2015 solve the problem below, calculate the ratios, interpret the results against the industry average, and fill in the table on the worksheet. Then, provide an analysis of how those results can be used by the business to improve its performance.
Balance Sheet as of December 31, 2010
Gary and Company
STR 581 Capstone Final Examination Part 2 - Studentehelpstudent ehelp
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Which of the following is considered a hybrid organizational form.docxphilipnelson29183
Which of the following is considered a hybrid organizational form?
limited liability partnership
corporation
sole proprietorship
partnership
Which of the following is a principal within the agency relationship?
the board of directors
the CEO of the firm
a shareholder
a company engineer
Teakap, Inc., has current assets of $ 1,456,312 and total assets of $4,812,369 for the year ending September 30, 2006. It also has current liabilities of $1,041,012, common equity of $1,500,000, and retained earnings of $1,468,347. How much long-term debt does the firm have?
Which of the following presents a summary of the changes in a firm’s balance sheet from the beginning of an accounting period to the end of that accounting period?
The statement of net worth.
The statement of retained earnings.
The statement of working capital.
The statement of cash flows.
Efficiency ratio: Gateway Corp. has an inventory turnover ratio of 5.6. What is the firm's days's sales in inventory?
61.7 days
57.9 days
65.2 days
64.3 days
IE
Leverage ratio: Your firm has an equity multiplier of 2.47. What is its debt-to-equity ratio?
0
1.74
0.60
1.47
Which of the following is not a method of “benchmarking”?
Evaluating a single firm’s performance over time.
Conduct an industry group analysis.
Identify a group of firms that compete with the company being analyzed.
Utilize the DuPont system to analyze a firm’s performance.
Present value: Jack Robbins is saving for a new car. He needs to have $ 21,000 for the car in three years. How much will he have to invest today in an account paying 8 percent annually to achieve his target? (Round to nearest dollar.)
$26,454
$16,670
$19,444
$22,680
IE
PV of multiple cash flows: Ferris, Inc., has borrowed from their bank at a rate of 8 percent and will repay the loan with interest over the next five years. Their scheduled payments, starting at the end of the year are as follows—$450,000, $560,000, $750,000, $875,000, and
$1,000,000. What is the present value of these payments? (Round to the nearest
dollar.)
$2,815,885
$2,735,200
$2,431,224
$2,615,432
PV of multiple cash flows: Ajax Corp. is expecting the following cash flows—
$79,000, $112,000, $164,000, $84,000, and $242,000—over the next five years.
If the company's opportunity cost is 15 percent, what is the present value of these
cash flows? (Round to the nearest dollar.)
$477,235
$429,560
$414,322
$480,906
IE
Future value of an annuity: Jayadev Athreya has started on his first job.
He plans to start saving for retirement early. He will invest $5,000 at the end
of each year for the next 45 years in a fund that will earn a return of 10 percent.
How much will Jayadev have at the end of 45 years? (Round to the nearest dollar.)
$2,667,904
$5,233,442
$1,745,600
$3,594,524
Serox stock was selling for $20 two years ago. The stock sold for
$25 one year ago, and it is currently selling for $28. Serox pays a $1.10 dividend
per.
For more classes visit
www.snaptutorial.com
Assignment Steps
Resources: Yahoo Finance
Select a Fortune 500 Company from one of the following industries:
• Pharmaceutical
• Energy
• Retail
• Automotive
After reading chapter 4, evaluate the history of the Data Encryp.docxkatherncarlyle
After reading chapter 4, evaluate the history of the Data Encryption Standard (DES) and how it has transformed cryptography?
You must use at least one scholarly resource and wrote a minimum of 2 pages.
The paper must be properly APA formatted.
.
After reading Chapter 2 and the Required Resources please discuss th.docxkatherncarlyle
After reading Chapter 2 and the Required Resources please discuss the following:
Place yourself in the US Government in the 1960s when the Internet concept was being developed.
Provide at least two ideas that would serve as controls on the general public when using the internet.
Base these rules on what you have seen people do with the Internet today.
Make sure that you properly support your post and cite the e-text or valid sources.
.
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DQ 2
Cash Flow and Ratio Analysis
From Chapters 3 and 4 complete Study Problems 3-2 (page 85) and 4-2 (page 122) and post the answers to the discussion board. Remember to complete all parts of the problems and report the results of your analysis. Do not forget to show the necessary steps and explain how your attained that outcome. Respond to at least two of your classmates’ postings.
Bonds and Common Stock
From Chapters 7 and 8 complete Study Problems 7-8 (pages 224-225) and 8-16 (page 253) and post the answers to the discussion board. Remember to complete all parts of the problems and report the results of your analysis. Do not forget to show the necessary steps and explain how your attained that outcome. Respond to at least two of your classmates’ postings.
7-8. (Bond valuation) ExxonMobil 20-year bonds pay 9 percent interest annually on a $1,000 par value. If bonds sell at $945, what is the bonds’ expected rate of return?
Annual interest: $90
Annual amortization of purchase discount: $55/20yrs. = $2.75
Total annual return: $92.75
Annual Yield: 92.75/945 = 9.788%
8-16. (Common stock valuation) The common stock of NCP paid $1.32 in dividends last year. Dividends are expected to grow at an 8 percent annual rate for an indefinite number of years.
Question 1 Which of the following is considered a hybrid org.docxIRESH3
Question 1
Which of the following is considered a hybrid organizational form?
corporation
sole proprietorship
limited liability partnership
partnership
Question 2
Which of the following is a principal within the agency relationship?
the CEO of the firm
a shareholder
the board of directors
a company engineer
Question 3
Teakap, Inc., has current assets of $ 1,456,312 and total assets of $4,812,369 for the year ending September 30, 2006. It also has current liabilities of $1,041,012, common equity of $1,500,000, and retained earnings of $1,468,347. How much long-term debt does the firm have?
$1,844,022
$2,303,010
$2,123,612
$803,010
Question 4
Which of the following presents a summary of the changes in a firm’s balance sheet from the beginning of an accounting period to the end of that accounting period?
The statement of working capital.
The statement of cash flows.
The statement of retained earnings.
The statement of net worth.
Question 5
Efficiency ratio: Gateway Corp. has an inventory turnover ratio of 5.6. What is the firm's days's sales in inventory?
57.9 days
64.3 days
65.2 days
61.7 days
Question 6
Leverage ratio: Your firm has an equity multiplier of 2.47. What is its debt-to-equity ratio?
1.47
0
1.74
0.60
Question 7
Which of the following is not a method of “benchmarking”?
Evaluating a single firm’s performance over time.
Identify a group of firms that compete with the company being analyzed.
Utilize the DuPont system to analyze a firm’s performance.
Conduct an industry group analysis.
Question 8
Present value: Jack Robbins is saving for a new car. He needs to have $ 21,000 for the car in three years. How much will he have to invest today in an account paying 8 percent annually to achieve his target? (Round to nearest dollar.)
$26,454
$16,670
$19,444
$22,680
estion 9
PV of multiple cash flows: Ferris, Inc., has borrowed from their bank at a rate of 8 percent and will repay the loan with interest over the next five years. Their scheduled payments, starting at the end of the year are as follows—$450,000, $560,000, $750,000, $875,000, and $1,000,000. What is the present value of these payments? (Round to the nearest dollar.)
$2,615,432
$2,815,885
$2,431,224
$2,735,200
Question 10
PV of multiple cash flows: Ajax Corp. is expecting the following cash flows—$79,000, $112,000, $164,000, $84,000, and $242,000—over the next five years. If the company's opportunity cost is 15 percent, what is the present value of these cash flows? (Round to the nearest dollar.)
$480,906
$414,322
$429,560
$477,235
Question 11
Future value of an annuity: Jayadev Athreya has started on his first job. He plans to start saving for retirement early. He will invest $5,000 at the end of each year for the next 45 years in a fund that will earn a return of 10 percent. How much will Jayadev have at the end of 45 years? (Round to the nearest dollar.)
$1,745,600
$5,233 ...
FIN 401 help A Guide to career/Snaptutorialpinck2377
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By monday, February 23, 2015 solve the problem below, calculate the ratios, interpret the results against the industry average, and fill in the table on the worksheet. Then, provide an analysis of how those results can be used by the business to improve its performance.
Balance Sheet as of December 31, 2010
Gary and Company
Cash $45 Accounts payables $45
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By monday, February 23, 2015 solve the problem below, calculate the ratios, interpret the results against the industry average, and fill in the table on the worksheet. Then, provide an analysis of how those results can be used by the business to improve its performance.
Balance Sheet as of December 31, 2010
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Fin 401 Teaching Effectively--tutorialrank.comSoaps108
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By monday, February 23, 2015 solve the problem below, calculate the ratios, interpret the results against the industry average, and fill in the table on the worksheet. Then, provide an analysis of how those results can be used by the business to improve its performance.
Balance Sheet as of December 31, 2010
Gary and Company
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By monday, February 23, 2015 solve the problem below, calculate the ratios, interpret the results against the industry average, and fill in the table on the worksheet. Then, provide an analysis of how those results can be used by the business to improve its performance.
Fin 401 Enhance teaching-snaptutorial.comrobertleew16
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By monday, February 23, 2015 solve the problem below, calculate the ratios, interpret the results against the industry average, and fill in the table on the worksheet. Then, provide an analysis of how those results can be used by the business to improve its performance.
Balance Sheet as of December 31, 2010
Gary and Company
Cash $45 Accounts payables $45
Fin 401 Effective Communication / snaptutorial.comHarrisGeorg18
By monday, February 23, 2015 solve the problem below, calculate the ratios, interpret the results against the industry average, and fill in the table on the worksheet. Then, provide an analysis of how those results can be used by the business to improve its performance.
Balance Sheet as of December 31, 2010
Gary and Company
Cash $45 Accounts payables $45
Receivables 66 Notes payables 45
Inventory 159 Other current liabilities 21
Marketable securities 33 Total current liabilities $111
Total current assets $303
FIN 650 GC Module 3 Exam Latest
Question 1. Cyberhost Corporation’s sales were $225 million last year. If sales grow at 6% per year, how large (in millions) will they be 5 years later?
A. $271.74
B. $286.05
C. $301.10
D. $316.16
E. $331.96
N 5
I/YR 6.0%
PV $225.00
PMT $0.00
FV $301.00
Question 2. Assume a project has normal cash flows. All else equal, which of the following statements is CORRECT?
A. A project’s IRR increases as the WACC declines.
B. A project’s NPV increases as the WACC declines.
C. A project’s MIRR is unaffected by changes in the WACC.
D. A project’s regular payback increases as the WACC declines.
Question 3. A project’s discounted payback increase Aubey Aircraft recently announced that its net income increased sharply from the previous year, yet its net cash flow from operations declined. Which of the following could explain this performance?
A. The company’s operating income declined.
B. The company’s expenditures on fixed assets declined.
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By monday, February 23, 2015 solve the problem below, calculate the ratios, interpret the results against the industry average, and fill in the table on the worksheet. Then, provide an analysis of how those results can be used by the business to improve its performance.
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FinanceTest ISummer 20191. Using the following data, prepare a .docxericn8
FinanceTest ISummer 2019
1. Using the following data, prepare a three-stage ROE decomposition (DuPont Analysis) for Home Depot.
Return on equity (ROE)
12%
Sales
$5,000
Current ratio
2.29
Dividend payout ratio
25%
Dividends paid
$100
Total liabilities
$4,000
Accounts payable
$600
My work:
1) ROE = Net Income/Sales x Sales/ Equity (or 12%)
2) ROE = Net Income/ Sales x Sales/Assets x Assets/Equity
or …….(400/5,000) (5,000/ Assets) (Assets/Equity)
3) ROE = (Net Profit Margin) (Asset Turnover) (Equity Multiple)
Side notes:
(Accounts Payable) (Current Ratio) = 1,374/ 600 = 2.29
Current assets = 1,374
Current Liability or Accounts payable = 600
Current ratio = 2.29
2. Your task is to update your firm’s long-term financial model (that was originally prepared last year). In financial modeling, a key assumption involves the firm’s dividend policy, as typically specified by the firm’s payout ratio.
You recognize many differences between today and last year.
Last year, the Treasury Yield Curve was upward sloping. Today, the Treasury Yield Curve is inverted. Last year, the Fed was expected to raise interest rates. Today, the Fed is expected to lower interest rates. We also know the following:
TodayLast year
Forward P/E
16
20
Equity Multiplier
2.50
1.95
Based on the differences described above, would you expect the payout ratio in this year’s financial model to be higher or lower than it was last year? Briefly explain.
Based on the differences above, I expect that the payout ratio in this year’s financial model to be lower along with short term headwinds. The earnings per share is going down and the price is taking a hit. Also, assets are leaning towards the heavier side.
3. Glencore will need to have $3,000 on June 20, 2023 (four years from now) to purchase new equipment. To accumulate this money, it will make four equal investments, with the first of the equal investments beginning one year from now.
a. If Glencore can earn an annual interest rate of 10%, how much must it invest per year?
My work:
P1 = 646.41 x 1.10
P2 = 646.41 x 1.10
P3 = 646.41 x 1.10
P4 = 646.41 x 1.10
Invest per year = $646.41
=PMT (10%,4,0,3000,0)
b. After presenting your findings from the above calculation, Glencore’s CFO asks you to consider an alternative scenario. Both changes are to occur today and will continue throughout the four years. You are to consider both changes simultaneously.
1. The interest rate will increase today and remain at that higher level.
2. There will still be four equal investments, but the first investment will occur immediately.
Without doing any calculations, how would these changes (considered simultaneously) affect your answer in part a? Using no more than 50 words, carefully justify your response. Do not write more 50 words.
My response:
With a higher rate (ex: 12%) Glencore’s money is working harder. If less money is put down, then more money will result in t.
FIN 401 Perfect Education/newtonhelp.combellflower161
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By monday, February 23, 2015 solve the problem below, calculate the ratios, interpret the results against the industry average, and fill in the table on the worksheet. Then, provide an analysis of how those results can be used by the business to improve its performance.
Balance Sheet as of December 31, 2010
FIN 401 Become Exceptional/newtonhelp.combellflower140
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By monday, February 23, 2015 solve the problem below, calculate the ratios, interpret the results against the industry average, and fill in the table on the worksheet. Then, provide an analysis of how those results can be used by the business to improve its performance.
Balance Sheet as of December 31, 2010
Gary and Company
Cash $45 Accounts payables $45
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By monday, February 23, 2015 solve the problem below, calculate the ratios, interpret the results against the industry average, and fill in the table on the worksheet. Then, provide an analysis of how those results can be used by the business to improve its performance.
Balance Sheet as of December 31, 2010
Gary and Company
STR 581 Capstone Final Examination Part 2 - Studentehelpstudent ehelp
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Which of the following is considered a hybrid organizational form.docxphilipnelson29183
Which of the following is considered a hybrid organizational form?
limited liability partnership
corporation
sole proprietorship
partnership
Which of the following is a principal within the agency relationship?
the board of directors
the CEO of the firm
a shareholder
a company engineer
Teakap, Inc., has current assets of $ 1,456,312 and total assets of $4,812,369 for the year ending September 30, 2006. It also has current liabilities of $1,041,012, common equity of $1,500,000, and retained earnings of $1,468,347. How much long-term debt does the firm have?
Which of the following presents a summary of the changes in a firm’s balance sheet from the beginning of an accounting period to the end of that accounting period?
The statement of net worth.
The statement of retained earnings.
The statement of working capital.
The statement of cash flows.
Efficiency ratio: Gateway Corp. has an inventory turnover ratio of 5.6. What is the firm's days's sales in inventory?
61.7 days
57.9 days
65.2 days
64.3 days
IE
Leverage ratio: Your firm has an equity multiplier of 2.47. What is its debt-to-equity ratio?
0
1.74
0.60
1.47
Which of the following is not a method of “benchmarking”?
Evaluating a single firm’s performance over time.
Conduct an industry group analysis.
Identify a group of firms that compete with the company being analyzed.
Utilize the DuPont system to analyze a firm’s performance.
Present value: Jack Robbins is saving for a new car. He needs to have $ 21,000 for the car in three years. How much will he have to invest today in an account paying 8 percent annually to achieve his target? (Round to nearest dollar.)
$26,454
$16,670
$19,444
$22,680
IE
PV of multiple cash flows: Ferris, Inc., has borrowed from their bank at a rate of 8 percent and will repay the loan with interest over the next five years. Their scheduled payments, starting at the end of the year are as follows—$450,000, $560,000, $750,000, $875,000, and
$1,000,000. What is the present value of these payments? (Round to the nearest
dollar.)
$2,815,885
$2,735,200
$2,431,224
$2,615,432
PV of multiple cash flows: Ajax Corp. is expecting the following cash flows—
$79,000, $112,000, $164,000, $84,000, and $242,000—over the next five years.
If the company's opportunity cost is 15 percent, what is the present value of these
cash flows? (Round to the nearest dollar.)
$477,235
$429,560
$414,322
$480,906
IE
Future value of an annuity: Jayadev Athreya has started on his first job.
He plans to start saving for retirement early. He will invest $5,000 at the end
of each year for the next 45 years in a fund that will earn a return of 10 percent.
How much will Jayadev have at the end of 45 years? (Round to the nearest dollar.)
$2,667,904
$5,233,442
$1,745,600
$3,594,524
Serox stock was selling for $20 two years ago. The stock sold for
$25 one year ago, and it is currently selling for $28. Serox pays a $1.10 dividend
per.
For more classes visit
www.snaptutorial.com
Assignment Steps
Resources: Yahoo Finance
Select a Fortune 500 Company from one of the following industries:
• Pharmaceutical
• Energy
• Retail
• Automotive
Similar to !#$&$()#+,(!1. Question Which of the following isar.docx (20)
After reading chapter 4, evaluate the history of the Data Encryp.docxkatherncarlyle
After reading chapter 4, evaluate the history of the Data Encryption Standard (DES) and how it has transformed cryptography?
You must use at least one scholarly resource and wrote a minimum of 2 pages.
The paper must be properly APA formatted.
.
After reading Chapter 2 and the Required Resources please discuss th.docxkatherncarlyle
After reading Chapter 2 and the Required Resources please discuss the following:
Place yourself in the US Government in the 1960s when the Internet concept was being developed.
Provide at least two ideas that would serve as controls on the general public when using the internet.
Base these rules on what you have seen people do with the Internet today.
Make sure that you properly support your post and cite the e-text or valid sources.
.
After reading chapters 16 and 17 post a short reflection, approximat.docxkatherncarlyle
After reading chapters 16 and 17 post a short reflection, approximately one paragraph in length, discussing your thoughts and opinions about the use of : 1. Internet in Research or 2. Concerns of Ethics in Internet Research. 3. What do you understand about Interventions. APA format, 250 words
***
Chose to reflect on number, either 1, 2, or 3.
Reading Assignment
Chapter 16 – Internet, Secondary Analysis and Historical Research
Chapter 17 - Intervention
.
After reading chapter 3, analyze the history of Caesar Cypher an.docxkatherncarlyle
After reading chapter 3, analyze the history of Caesar Cypher and its impact on cryptography.
Your paper should be 2 pages not including the title and reference pages and written according to APA formatting. Must include in-text citations and textbook as a reference.
.
After having learned about Cognitive Psychology and Humaistic Psycho.docxkatherncarlyle
After having learned about Cognitive Psychology and Humaistic Psychology, including the important theorists, the main ideas, and the ways of conceptualizing and treating disorders, students are asked to create a PowerPoint presentation describing the development of each theory. Specifically, students will identify historical antecedents of preceding philosophies/intellectual traditions (1 slides per theory), identify and describe important figures and tenets of Cognitive Psychology and Humanistic Psychology (1 slide per theory), and discuss each theory's views on etiology of disorders, approach to diagnosis, and views on prognosis for diagnosed individuals (1 slide per theory). The project should also include at least one slide evaluating strengths and weaknesses of each theory, and a slide compare them with a Christian Worldview. Finally, the slides should include some sort of visual aid to help describe the information in the slide (e.g., picture, graphic, symbol).
Guidelines
:
The presentation should be no less than 8 slides long, excluding title page and references.
The presentation should include a support/citations from at least 4 sources outside of the textbook.
Pictures and illustrations should be included, where needed and should enhance the content rather than just decorating the slide.
The slides should indicate a good understanding of the development of each theory.
The project should be formatted according to APA guidelines, including, but not limited to, appropriate grammar, spelling, and citations (as necessary)
The project should include in-text citations for all factual information provided and include an APA reference page providing reference information for the cited materials.
.
Advisory from Professionals Preparing Information .docxkatherncarlyle
Advisory from Professionals
Preparing Information Systems (IS) Graduates to Meet the
Challenges of Global IT Security: Some Suggestions
Jeff Sauls
IT Operations Professional
Austin, TX, USA
Naveen Gudigantala
Operations and Technology Management
University of Portland
Portland, OR 97203, USA
[email protected]
ABSTRACT
Managing IT security and assurance is a top priority for organizations. Aware of the costs associated with a security or privacy
breach, organizations are constantly vigilant about protecting their data and IT systems. In addition, organizations are
investing heavily in IT resources to keep up with the challenges of managing their IT security and assurance. Therefore, the IT
industry relies greatly on the U.S. higher education system to produce a qualified and competent workforce to manage security
challenges. This advisory discusses some security challenges faced by global companies and provides input into the design
and delivery of IS curriculum to effectively meet such challenges.
Keywords: Information assurance and security, Curriculum design and development, Computer security
1. INTRODUCTION
Information security and assurance management is vital for
the success of organizations. It is particularly relevant for
global companies whose customers demand a high level of
security for their products. Meeting such high expectations
requires companies to study security best practices,
continually invest in technical and human resources, and
implement a secure corporate environment. The goal of this
paper is to discuss some security challenges faced by global
organizations and to provide suggestions to IS academics
concerning security curriculum to effectively educate the
next generation IT workforce to meet these challenges.
2. SECURITY CHALLENGES FACED BY GLOBAL
COMPANIES
This advisory focuses on security challenges faced by global
companies. For instance, security challenges faced by a
multinational company operating manufacturing plants in
several countries are likely to be much different than those of
a company with a manufacturing plant in a single location.
The goal of this section is to present some security
challenges faced by global companies.
What many companies do in terms of security is driven
by the needs of their customers. For instance, consider the
case of a global manufacturing company that makes
hardware for a smart card. Smart cards include embedded
integrated circuits and customers generally provide the
manufacturer with a detailed list of functional and assurance
requirements for security. The manufacturer of the hardware
is expected to comply with the specifications of the
customer. If the company decides to manufacture in two
plants in Europe and the U.S., it becomes important for the
manufacturer to have uniform security standards in both
plants. These security standards may include many aspects
.
After completing the assigned readings and watching the provided.docxkatherncarlyle
After completing the assigned readings and watching the provided video links, review the following classic psychological experiments:
Johnson's Monster Study
Loftus, E.F. (1999). Lost in the Mail: Misrepresentations and Misunderstandings. Ethics & Behavior, 9(1), 51.
Milgram's Obedience Experiment
Watson's Little Albert Experiment
Zimbardo's Stanford Prisoner Experiment
After you have become familiar with these five classic studies, select one. Using headers to organize your paper, answer the following questions:
Scientific Merit / Knowledge Gained.
What are the benefits of this study (to society, research, or subjects)?
What are the practical implications (i.e., real-world applications of the findings)?
What are likely consequences to society if this study had not been conducted?
What were the potential psychological costs of this study?
Were the research participants in the study at risk for psychological injury?
Could this type of research have been conducted without the use of deception?
Do you feel the use of deception was justified given the potential cost to participants?
If you were a member of a human subjects’ Institutional Review Board, would you approve the research described in the article?
Do you feel that the contributions of this study outweigh the costs?
Would you have minded if you discovered you participated in that study?
Would you want to (or be willing to) participate as a research assistant for this study?
Risk of Psychological Injury.
Deception.
Decision.
Participation.
Research experience.
Be sure to incorporate information from the Fisher text as well as include information from at least two academic journals discussing the ethics of the experiment.
Length: 3-5 pages
.
Advocacy is a vital component of the early childhood professiona.docxkatherncarlyle
Advocacy is a vital component of the early childhood professional’s role. Advocacy can occur on a daily basis through supportive interactions with children and their families and connecting families to needed resources. At a broader and more public level, advocacy can occur when a specific message is developed and disseminated with the goal of positively impacting the lives of children, families, early childhood professionals, and the field as a whole.
You will create a 16-slide powerpoint:
·
“The role of play in social-emotional development” (Topic of choice)
· 15 slides of information including in-text citations.
· Your slideshow should be 16-18 slides in length with audio narration clearly presenting your advocacy message with a research-based foundation on the topic of your choice.
.
After completing this weeks assignment... Share with your classma.docxkatherncarlyle
After completing this week's assignment... Share with your classmates which tool you chose and Considering the text and briefly discuss the specific tool of your choice.
1) What is the function of the tool and briefly describe how it is setup and used?
2) What information would the tool yield in an investigation?
.
African Americans men are at a greater risk for developing prostate .docxkatherncarlyle
African Americans men are at a greater risk for developing prostate cancer than the white men. In every six individuals from this ethnic group, there is one who is at risk of developing prostate cancer in their lifetime. African Americans are 1.8 times more exposed to the risk of developing the disease and 2.2 times more likely succumb from this disease as compared to white men. The increase in the higher risk of prostate cancer among Africa Americans is linked to socioeconomic status. There is a lower socioeconomic status of African Americans and this exposing to high cases of prostate cancer as a result of poor medical check-up and poor healthcare outcomes (Owens et al., 2014).
There are also racial biases and this is harming African Americans in terms of preventive care since they have lower chances of being provided with the PSA test. Recent studies reveal that men from this ethnic group are unlikely to have early diagnosis for the prostate cancer. They are also not likely to be treated in time for the disease like the white men. There are several treatment options and learning sources about the options for prostate cancer. Therefore, the evidence-based, primary care health promotion recommendation to deal with prostate cancer among African Americans involves the prevention programs that are tailored to African Americans to help in the reduction of health disparities (Jackson, Owens, Friedman, & Dubose-Morris, 2015).
There is a need to incorporate culturally suitable and targeted messages and the images, the performance of faith-based initiatives, and the delivery of the educational programs in non-traditional venues for example the common place where people gather. It is also important to include key partners and the stakeholder in the planning, implementation, and assessment of the health and the cancer educational programs to help in the improvement of the health of the community and supporting community engagement. The development of the IDM education program for African American families through working with the community and the clinical partners is helping in the reduction of prostate cancer diseases (Jackson et al., 2015).
References
Jackson, D. D., Owens, O. L., Friedman, D. B., & Dubose-Morris, R. (2015). Innovative and Community-Guided Evaluation and Dissemination of a Prostate Cancer Education Program for African-American Men and Women.
Journal of Cancer Education, 30
(4), 779-785.
Owens, O. L., Friedman, D. B., Hebert JR, & Jackson, D. D. (2014). An intergenerational approach to prostate cancer education: Findings from a pilot project in the Southeastern USA.
J of Cancer Educ., 29
(4), 649-656.
.
Advances over the last few decades have brought innovative and c.docxkatherncarlyle
Advances over the last few decades have brought innovative and creative technological tools to the forefront of learning. Teachers must be aware of these tools to prepare students for professional and educational opportunities in the 21st century. Today’s students are digital natives, and they often respond better to media than to traditional methods of teaching. Having a strong technology repertoire is important for today’s educator.
Create a matrix detailing five multimedia, technology, games, apps, and other technological tools for teaching reading and writing to struggling readers/writers.
In 100-200 words per tool, address the following:
· App/technology tool description, tool location (i.e., online, offline through software, through a game console, etc.), and the cost
· Age level or academic level for which this technology is appropriate
· The purpose and application of the technology to ELA content area (vocabulary, reading, grammar, writing, etc.)
· Advantages and drawbacks of using this technology for ELA instruction
· How technology can be used to engage struggling students and increase literacy skill development.
Support your findings with 3-5 resources.
.
Advocacy is a vital component of the early childhood professional’s .docxkatherncarlyle
Advocacy is a vital component of the early childhood professional’s role. Advocacy can occur on a daily basis through supportive interactions with children and their families and connecting families to needed resources. At a broader and more public level, advocacy can occur when a specific message is developed and disseminated with the goal of positively impacting the lives of children, families, early childhood professionals, and the field as a whole
.
Advanced pathoRespond to Stacy and Sonia 1 day agoStacy A.docxkatherncarlyle
Advanced patho
Respond to Stacy and Sonia
1 day ago
Stacy Adam
Wk 1 Discussion
COLLAPSE
Top of Form
Wk1 Discussion 6501
The 16-year-old boy in the discussion scenario presented to the clinic with specific complaints that are common in Strep Throat infection. He complained of a sore throat for 3 days. He denied recent cold, influenza, ear infections, or allergies. Redness, +3 tonsil edema, positive anterior and posterior cervical adenopathy, low-grade temperature, and pharyngeal exudate were noted by the practitioner on the exam. A diagnosis of Strep Throat was confirmed by a positive rapid strep throat culture. Penicillin was prescribed.
Strep Throat is not a genetic disorder, but an infectious one caused by A. Streptococcus bacteria. It is not gender-specific. Strep throat most commonly occurs during the late winter or early spring months as a direct result of people being grouped closely together indoors allowing it to spread easily via direct contact (American Academy of Family Physicians, 2016).
The patient’s symptomology and positive culture confirm that he was infected by A. Streptococcus bacteria. His body’s response to A. Streptococcus bacteria is the body’s initial inflammatory response to this bacteria; redness, swelling, heat, and pain (Kahn Academy, 2010). The patient’s anaphylactic response to penicillin was mediated by ‘IgE antibodies that are produced by the immune system in response to an environmental allergen’ (Justiz-Vaillant & Zito, 2019). These allergens include pollens, animal dander, dust mites or fungi (Justiz-Vaillant & Zito, 2019). The patient’s anaphylactic response to penicillin, a fungus, was unknown prior to its administration.
When a bacterial infection occurs, the body releases mast cells that are activated by chemokines to attack the infection (Kahn Academy, 2010). Histamine is released causing vasodilation (Kahn Academy, 2010). Endothelial cells are pushed apart and capillaries become larger and dilated, causing swelling to occur (Kahn Academy, 2010). The capillary walls become more porous allowing more cells to pass through them (Kahn Academy, 2010). Neutrophils act as the first responders and are attracted to the chemokines (Kahn Academy, 2010). They roll along the endothelial wall, squeezing through to eat up bacteria and damaged cells (Kahn Academy, 2010). Specific action via B and T cells are also activated to attack and destroy the bacteria (Kahn Academy, 2010).
The patient's anaphylactic response, Type I hypersensitivity reaction, to IgE antibodies is produced by the ‘immune system in response to environmental allergens’ (Justiz-Vaillant & Zito, 2019). If left untreated, it can result in a life-threatening or irreversible injury that includes death (Justiz-Vaillant & Zito, 2019). While the patient did not have a known allergy and it was disclosed that he had none, Type I hypersensitivity reactions occur after a previous sensitization (Justiz-Vaillant & Zito, 2019). In a Type I hypersensitivit.
After completing the reading this week, we reflect on a few ke.docxkatherncarlyle
After completing the reading this week, we reflect on a few key concepts this week:
Discuss Howell and Mendez’s three perspectives on followership. Note how these behaviors influence work productivity.
Please be sure to answer all the questions above in the initial post.Please ensure the initial post and two response posts are substantive. Substantive posts will do at least TWO of the following:
Ask an interesting, thoughtful question pertaining to the topic
Expand on the topic, by adding additional thoughtful information
Answer a question posted by another student in detail
Share an applicable personal experience
Provide an outside source
Make an argument
At least one scholarly (peer-reviewed) resource should be used in the initial discussion thread. Please ensure to use information from your readings and other sources from the UC Library. Use APA references and in-text citations.Please be sure to engage by Wednesday at 11:59pm ET and then engage on two more days throughout the week (for a total of three days of engagement, before Sunday at 11:59pm, ET.
.
Addisons diseaseYou may use the textbook as one reference a.docxkatherncarlyle
Addison's disease
You may use the textbook as one reference as well as the learning materials posted within the course. However, additional references should be scholarly based and be a new source that you are introducing to your peers.
Research and present the pathophysiology of the chosen disorder in a clear, well referenced manner.
Your initial post should also include the following:
The most common presenting symptoms
The manner in which your disorder is routinely diagnosed
A standard treatment plan
Link(s) to routine screening and treatment guidelines
If national screening and treatment guidelines do not exist for your disorder, choose a set of guidelines related to disorders that have been discussed in previous weeks. This is a great way for everyone to build a library of guidelines to help with their academic journey.
There is an abundance of information available on these disorders; in your research, look for the nuggets of information that are not common knowledge, or something specific that surprised you when you were researching your topic.
Rubric
Discussion Question Rubric
Note:
Scholarly resources are defined as evidence-based practice, peer-reviewed journals; textbook (do not rely solely on your textbook as a reference); and National Standard Guidelines. Review assignment instructions, as this will provide any additional requirements that are not specifically listed on the rubric.
Discussion Question Rubric – 100 PointsCriteriaExemplary
Exceeds ExpectationsAdvanced
Meets ExpectationsIntermediate
Needs ImprovementNovice
InadequateTotal PointsQuality of Initial PostProvides clear examples supported by course content and references.
Cites three or more references, using at least one new scholarly resource that was not provided in the course materials.
All instruction requirements noted.
40 points
Components are accurate and thoroughly represented, with explanations and application of knowledge to include evidence-based practice, ethics, theory, and/or role. Synthesizes course content using course materials and scholarly resources to support importantpoints.
Meets all requirements within the discussion instructions.
Cites two references.
35 points
Components are accurate and mostly represented primarily with definitions and summarization. Ideas may be overstated, with minimal contribution to the subject matter. Minimal application to evidence-based practice, theory, or role development. Synthesis of course content is present but missing depth and/or development.
Is missing one component/requirement of the discussion instructions.
Cites one reference, or references do not clearly support content.
Most instruction requirements are noted.
31 points
Absent application to evidence-based practice, theory, or role development. Synthesis of course content is superficial.
Demonstrates incomplete understanding of content and/or inadequate preparation.
No references cited.
Missing several inst.
AdultGeriatric DepressionIntroduction According to Mace.docxkatherncarlyle
Adult/Geriatric Depression
Introduction
According to Mace et al. (2017), geriatric depression disorder is a health condition that affects adult people with the main symptoms see for a patient with the condition being the frequent change in moods and the sadness. The condition is as well common among younger people although this is not a common health issue. As a result of the impact of the condition, there is a need for getting an understanding of the condition and the best medical process that is to be followed. With the treatment of the patients there is a need for understanding the fact that if one medication does not succeed, there is a need for implementation of a new medication or change of the prescription for the patient. This paper focuses on the options chosen for managing the conditions for a patient.
Symptoms of adult/geriatric depression disorder
A patient with geriatric depression disorder will be seen to have issues of mood swings as the main symptoms of the condition. The other symptoms that will be evident will include issues of the feeling of despair and sad and the patient will have issues of pain and aches in all parts of the body. Laird et al. (2019) allude that a patient with the health condition will have risks of loss of appetite and lack of hope or lacking any willingness to get help. There are risks of the patient as well as lacking any morale in improving their condition.
Causes
Vlasova et al. (2019) allude that one of the main risk factors that increased the chance of a patient getting geriatric depression is old age. As such, a patient who is old will be at high risk of being affected by the health condition. The other risk factor is that women are at higher risk of suffering from the health issue as compared to their male counterparts. The people who have a low-level education as well as those that have physical illnesses and influencing the standard of thinking of the person.
Thus, there is a need for healthcare providers to help in the education of the patients who are at risk of suffering from the health condition. The patients who are found to be making use of various drugs and that have psychological stressors are at high risk of being affected by the health concern. The patients as well may lead to affecting the patients who have white matter changes.
Patient case
This is a case of 32-year-old patients of Hispanic origin and who came to the US for his education. The patient has his mother passing on while he was in school and ended up being admitted to the healthcare facility as a result of depression issues. On having an assessment, it is found that the patient does not suffer from any other health issue and the patient has presented that he has had pain and stiff parts of the body.
There are various signs and symptoms expressed by the patient with the main issue faced by the patient being undermined as a result of the color of his skin. There is evidence of the patient having little socializa.
Adopt-a-Plant Project guidelinesOverviewThe purpose of this.docxkatherncarlyle
Adopt-a-Plant Project guidelines
Overview:
The purpose of this project is for you to choose a plant, conduct online research into the biology of the plant, and communicate what you have learned. You will be preparing an annotated bibliography on the plant you choose. The entire project is worth 50 points
Annotated Bibliography (50 points)
You will prepare an annotated bibliography with a list of the top 10 most interesting facts about your plant.
· Each fact should be paraphrased (i.e. written in your own words, no quotations allowed).
· Then tell me why this is interesting to you – make connections to your life or to currents issues in our world.
· Finally, give a full citation and tell me why you think this is a reliable, trustworthy source. Use this libguide to help you come up with reasons why your source is trustworthy.
· At least one of your sources should be from a peer-reviewed, science journal article.
Here is an example:
Fact 1: Taxol is a chemotherapy agent derived from the bark of the Pacific Yew Tree. The chemical itself is derived from a fungal endophtye within the bark. I thought this was very interesting, because the Pacific Yew tree is native to the state of Washington, and my aunt Jane received Taxol while undergoing chemotherapy for ovarian cancer. I also thought it was interesting because of the mutualistic relationship between the plant and the fungus.Citation: Plant natural products from cultured multipotent cells
Roberts, Susan; Kolewe, Martin. Nature Biotechnology28.11 (Nov 2010): 1175-6.
This is a reliable source because it is published in a peer-reviewed science journal article, written by two PhDs that are providing a review of the current literature on the topic
To complete the assignment, you should first choose a plant, gather articles discussing your plant, read the articles sufficiently enough to discuss the plant, and finally write the annotated bibliography. You are expected to produce original work, and any plagiarism will receive a zero. The paper should be double-spaced, and typed in 12 point font size, with normal margins. The instructions for how to properly cite your sources are at the end of this handout.
*** Reminder: The scientific name of a plant should always be typed in italics, with the first letter of the Genus capitalized. For ex.: Digitalis lanata. When you search for information on your plant online, make sure to use the scientific name, which will bring back a wider variety of results
The bibliography is worth 50 points and will be graded on:
1. Effort
• Quality of references
•Depth/breadth/quality of material covered
2. Following directions/ requirements
I will use the following rubric to grade your bibliography:
Research, Critical Reading and Documentation
Balanced, authoritative sources; correctly cited sources; effectively integrated outside sources. Most sources from science journals
10 pts
Effective sources, correctly cited, Could have a few more.
Adolescent development is broad and wide-ranging, including phys.docxkatherncarlyle
Adolescent development is broad and wide-ranging, including physical, socioemotional, and cognitive growth. It is important to have an understanding of cognitive and social development in order to meet the diverse needs of adolescent students.
For this benchmark assignment, consider information learned regarding physical development and integrate it with your understanding of the social/emotional and cognitive changes occurring during adolescence.
Write a 750-1,000 word essay addressing the following concerns:
In what ways do cognitive and social development affect learning? How do individuality, identity development, and personal behavior affect learning differences and development?
How can diverse strengths, interests, and needs of adolescents be accounted for when designing developmentally appropriate instruction that advances learning?
What is the significance of providing an environment that brings multiple perspectives into the discussion of content? What considerations should be made for the cultural norms and the personal, family, and community experiences of students?
Why are school, community, and family supports critical to student learning and the overall well-being of adolescents? How can ongoing support from these stakeholders be assured?
How can technology reinforce learning experiences? How can a teacher ensure appropriate use of digital tools in the classroom? In what ways might digital tools support student success and creativity in a collaborative, student-focused classroom environment?
Support your essay with a minimum of three scholarly resources.
Prepare this assignment according to the APA guidelines found in the APA Style Guide, located in the Student Success Center. An abstract is not required.
Benchmark Information:
MA in Secondary Education
This benchmark assignment assesses the following programmatic competencies [and professional standards]:
1.1: Create developmentally appropriate instruction that takes into account individual students’ strengths, interests, and needs and that enables each student to advance and accelerate his or her learning. [InTASC 1(a), 1(b), 1(d), 1(e), 1(h), 1(i), 1(j); ISTE-T 2b; MC3]
1.3: Bring multiple perspectives to the discussion of content, including attention to students’ personal, family, and community experiences and cultural norms. [InTASC 2(d), 2(j), 2(n), 4(m), 5(p), 10(m); MC1, MC3, MC5]
4.3: Working collaboratively with school colleagues, teacher candidates build ongoing connections with community resources to enhance student learning and well-being. [InTASC 9(d), 10(e), 10(l), 10(r); MC1, MC4]
.
Model Attribute Check Company Auto PropertyCeline George
In Odoo, the multi-company feature allows you to manage multiple companies within a single Odoo database instance. Each company can have its own configurations while still sharing common resources such as products, customers, and suppliers.
Acetabularia Information For Class 9 .docxvaibhavrinwa19
Acetabularia acetabulum is a single-celled green alga that in its vegetative state is morphologically differentiated into a basal rhizoid and an axially elongated stalk, which bears whorls of branching hairs. The single diploid nucleus resides in the rhizoid.
How to Make a Field invisible in Odoo 17Celine George
It is possible to hide or invisible some fields in odoo. Commonly using “invisible” attribute in the field definition to invisible the fields. This slide will show how to make a field invisible in odoo 17.
Unit 8 - Information and Communication Technology (Paper I).pdfThiyagu K
This slides describes the basic concepts of ICT, basics of Email, Emerging Technology and Digital Initiatives in Education. This presentations aligns with the UGC Paper I syllabus.
2024.06.01 Introducing a competency framework for languag learning materials ...Sandy Millin
http://sandymillin.wordpress.com/iateflwebinar2024
Published classroom materials form the basis of syllabuses, drive teacher professional development, and have a potentially huge influence on learners, teachers and education systems. All teachers also create their own materials, whether a few sentences on a blackboard, a highly-structured fully-realised online course, or anything in between. Despite this, the knowledge and skills needed to create effective language learning materials are rarely part of teacher training, and are mostly learnt by trial and error.
Knowledge and skills frameworks, generally called competency frameworks, for ELT teachers, trainers and managers have existed for a few years now. However, until I created one for my MA dissertation, there wasn’t one drawing together what we need to know and do to be able to effectively produce language learning materials.
This webinar will introduce you to my framework, highlighting the key competencies I identified from my research. It will also show how anybody involved in language teaching (any language, not just English!), teacher training, managing schools or developing language learning materials can benefit from using the framework.
Introduction to AI for Nonprofits with Tapp NetworkTechSoup
Dive into the world of AI! Experts Jon Hill and Tareq Monaur will guide you through AI's role in enhancing nonprofit websites and basic marketing strategies, making it easy to understand and apply.
Macroeconomics- Movie Location
This will be used as part of your Personal Professional Portfolio once graded.
Objective:
Prepare a presentation or a paper using research, basic comparative analysis, data organization and application of economic information. You will make an informed assessment of an economic climate outside of the United States to accomplish an entertainment industry objective.
A Strategic Approach: GenAI in EducationPeter Windle
Artificial Intelligence (AI) technologies such as Generative AI, Image Generators and Large Language Models have had a dramatic impact on teaching, learning and assessment over the past 18 months. The most immediate threat AI posed was to Academic Integrity with Higher Education Institutes (HEIs) focusing their efforts on combating the use of GenAI in assessment. Guidelines were developed for staff and students, policies put in place too. Innovative educators have forged paths in the use of Generative AI for teaching, learning and assessments leading to pockets of transformation springing up across HEIs, often with little or no top-down guidance, support or direction.
This Gasta posits a strategic approach to integrating AI into HEIs to prepare staff, students and the curriculum for an evolving world and workplace. We will highlight the advantages of working with these technologies beyond the realm of teaching, learning and assessment by considering prompt engineering skills, industry impact, curriculum changes, and the need for staff upskilling. In contrast, not engaging strategically with Generative AI poses risks, including falling behind peers, missed opportunities and failing to ensure our graduates remain employable. The rapid evolution of AI technologies necessitates a proactive and strategic approach if we are to remain relevant.
Read| The latest issue of The Challenger is here! We are thrilled to announce that our school paper has qualified for the NATIONAL SCHOOLS PRESS CONFERENCE (NSPC) 2024. Thank you for your unwavering support and trust. Dive into the stories that made us stand out!
Francesca Gottschalk - How can education support child empowerment.pptxEduSkills OECD
Francesca Gottschalk from the OECD’s Centre for Educational Research and Innovation presents at the Ask an Expert Webinar: How can education support child empowerment?
Francesca Gottschalk - How can education support child empowerment.pptx
!#$&$()#+,(!1. Question Which of the following isar.docx
1. !"#$%&$'()*#+,(
!
1. Question : Which of the following is/are true?
I. Asset management ratio indicates how effectively a firm
generates profits on sales, assets and stockholder’s equity.
II. Liquidity ratios indicate the firm’s capacity to meet its
short-term financial obligations, but not its long-term
financial obligations.
III. Profitability ratios indicate how efficiently a firm is using
its assets to generate sales.
IV. Financial leverage ratios indicate the firm’s capacity to
meet its financial obligations, both short-term and long-term.
Student Answer:
II and IV
I and II
I, II, and IV
I and III
Question 2. Question : Which of the following is/are true?
I. When a loan is amortized over a five year term, the amount
of interest paid is decreased each year.
II. The effective annual rate of interest will always be equal
2. to or less than the nominal annual rate of interest.
III. An annuity due is the annuity in which the payments or
receipts occur at the beginning of each period.
IV. If the present value of a given sum is equal to its future
value, then the discount rate must be zero.
Student Answer:
IV only
III & IV
II, III & IV
I, III & IV
Question 3. Question : If a firm’s current ratio is 3.0,
Student Answer:
it is possible for its quick ratio to be larger than 3.0.
its current liabilities exceed its current assets.
it is possible for its quick ratio to be smaller than 3.0.
its current liabilities equal its current assets.
3. Ch 3
Ch 5
Ch 3
Question 4. Question : Which of the following is/are true?
I. The shareholder wealth maximization goal states that
management should seek to maximize the present value of
the expected future returns to the owners of the firm.
II. The primary reason for the agency problem between the
stockholders and managers is because of the separation of
ownership and management.
III. Protective covenants in a company's bond indentures are
used in agency relationships involving stockholders and
creditors.
IV. The fact that no investor can expect to earn excess
returns based on an investment strategy using only historical
stock price or return information is an example of
semistrong-form market efficiency.
Student Answer:
I and IV
I, II and IV
I, II and III
All of the above
4. Question 5. Question : If you’re a financial manager of a MNC
(U.S. based) and you
anticipate that your company will need to pay C$2 million 6
months later. If you would like to make use of either forward
or futures or options contracts to fix your exchange rate
today, what is your strategy?
Student Answer:
BUY forward/futures contracts for C$2 million or BUY
call options for C$2 million.
SELL forward/futures contracts for C$2 million or BUY
call options for C$2 million.
BUY forward/futures contracts for C$2 million or BUY
put options for C$2 million.
SELL forward/futures contracts for C$2 million or BUY
put options for C$2 million.
Question 6. Question : If a firm's total asset turnover ratio is
2.0, which of the
following is true?
5. Student Answer:
Its annual sales are less than its total assets.
It is possible that its fixed asset turnover ratio is 1.5.
Its annual sales are two times its total assets.
Ch1 and Ch2
Ch 2
Ch 3
None of the above is true.
Question 7. Question : After-tax cash flow equals:
Student Answer:
earnings after tax plus non-cash charges
net earnings plus deferred expenses
net earnings plus depreciation
earnings after tax
6. Question 8. Question : You would like to endow a chair at UTC
for $188,000 per
year. At 20% interest, how much do you need to donate?
Student Answer:
$1,880,000
$37,600
$940,000
$2,685,714
Question 9. Question : Clair wants to purchase a new car. She
knows that she can
afford to pay $3588 per year and that her bank will charge
her 13% interest on the car loan. She intends to pay off the
car in 4 years. Interest will be compounded annually. Of the
following, which is the most expensive vehicle in her price
range that she could consider?
Student Answer:
A Taurus selling for $10,274
A Malibu selling for $17,510
7. A Civic selling for $13,274
A Celica selling for $12,596
Question 10. Question : UT Inc. is considering issuing
additional long-term debt to
finance an investment opportunity. Currently, UT has $100
million in 15% debt outstanding. Its after-tax net income is
$30 million, and the company is in 40 percent tax bracket.
What is UT’s current times interest earned ratio.
Student Answer:
5.15 times
4.33 times
Ch 4
Ch 5
Ch 5
Ch 3
5.00 times
4.00 times
8. Question 11. Question : Continued from question 10, how much
additional 18% debt
can UT issue now to maintain its times interest earned ratio
at 4? Assume for this calculation that earnings before interest
and taxes remains at its present level.
Student Answer:
$7.81 million
$6.94 million
$18.75 million
$15.625 million
Question 12. Question : The UCD Company is considering a $70
million expansion
(capital expenditure) program next year. The company wants
to determine approximately how much additional financing
will be needed if the expansion program is undertaken. Next
year the company expects to earn $45 million after interest
and taxes. The company also plans to increase its dividends
from $5 million to $10 million. If the expansion program is
accepted, the company expects its current assets needs to
increase by approximately $15 million next year. Long-term
debt retirement obligations total $3 million next year and
9. depreciation is expected to be $25 million. No fixed assets
are expected to be sold next year.
Student Answer:
$28 million
$24 million
$34 million
$25 million
Question 13. Question : Which of the following is/are true?
I. When the times interest earned ratio falls below 1.0, the
viability of the firm is not threatened because the firm
generates sufficient earnings to make interest payments when
due.
II. The price-to-earnings is a market-based ratio.
Ch 3
Ch 3
Ch 3
III. Positive earnings always indicate positive EVA
(economic value added).
10. Student Answer:
III
II
II & III
I & III
Question 14. Question : You are given the information of firm A
and B for their
performance evaluation.
Firm A B
Sales 15 20
EAT 2 2
Total Assets 25 40
Stockholder’s Equity 10 10
Suppose the industry average of net profit margin ratio, total
asset turnover and equity multiplier is around 10%, 0.58
times and 2.5 respectively.
Which firm appears to have problems?
Student Answer:
Firm A has problems.
11. Firm B has problems
None of them presents problems
Both of them have problems
Question 15. Question : Continued from question 14, what is the
debt ratio of firm A?
Student Answer:
2.5
0.4
0.6
none of the above
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Ch 3
12. Question 16. Question : Continued from question 14, which of
the following is true?
Student Answer:
Firm A shall restructure its capital structure to achieve a
higher financial leverage since it appears to be lower than the
industry average.
Firm B shall improve its total asset turnover ratio since it
is lower than the industry average and thus indicates an
inefficient utilization of assets.
Firm A shall improve its total asset turnover ratio since
it is higher than the industry average and thus indicates an
inefficient utilization of assets.
Question 17. Question : George plans to open his own furniture
store in 12 years. To
do so, he has committed $50,000 in a bank certificate of
deposit for 12 years. In addition, he plans to save $10,000 per
year (end of year) for the next 4 years and $5,000 per year
(end of year) for the following 8 years. How much money
will George have in 12 years if the investments (i.e., CD and
savings) earn 13 percent per year compounded annually?
13. Student Answer:
$761,329.20
$299,392.37
$409,441.62
$521,926.01
Question 18. Question : If a firm wishes to retain the same
return on equity when its
net profit margin and total asset turnover has declined, it
must
Student Answer:
decrease its equity multiplier.
reduce sales and increase assets.
increase its equity multiplier.
14. none of the above.
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Ch 3
Question 19. Question : In 2011, the Deluxe Company's sales
were $12.0 million. Its
balance sheet at year end 2011 is shown below. Deluxe's
2012 sales are expected to be $18 million. Earnings after tax
is expected to be 8.0% of sales, and annual dividends of
$200,000 are expected to be paid in 2012. The company
presently has excess plant and equipment capacity. As a
result, assume that the net fixed asset figure on the balance
sheet will remain constant for 2012. Assuming that the ratios
of assets (except fixed assets, net) to sales and accounts
payable to sales in 2011 remain the same in 2012, calculate
the total amount, i.e., one number, of external financing
required for 2012, using the percentage of sales method.
Deluxe Co. Balance Sheet
(December 31, 2011)
($ millions)
Current assets: Current liabilities:
Cash $0.2 Accts. payable $0.6
15. Accts. Rec. 1.2 Notes payable 0.7
Inventory 2.0 Long-term debt 2.5
Fixed assets,
net 2.6
Stockholders'
equity 2.2
Total Assets $6.0 Total Liabilities and Equity $6.0
Student Answer:
$160,000
$250,000
$750,000
None of the above
Question 20. Question : Continued from question 19, assuming
Deluxe plans to raise
its external financing exclusively from notes payable, what is
the number of notes payable in the pro forma Balance Sheet
for 2012?
Student Answer:
$1,450,000
16. $850,000
$860,000
None of the above
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Ch 4
Question 21. Question : P&G Company has revenues of
$80,000, general &
administrative expenses of $25,000, interest expense of
$4,200 and depreciation expense of $2,000. The firm is in
the 35% tax bracket. What would be the firm’s cash flow
from operations?
Student Answer:
$33,720
$23,792
$18,416
17. $26,800
Question 22. Question : Last year A&M’s net cash provided by
operating activities
was $13.6 million and its net cash used by investing activities
was $19.7 million. If net cash provided by financing
activities was $9.3 million, what was the net increase (or
decrease) in cash and cash equivalents during the year?
A&M started the year with $2.1 million in cash.
Student Answer:
$9.2 million
$3.2 million
$11.3 million
$5.3 million
Question 23. Question : You are preparing a cash budget for
A&M Inc. for the first quarter of
2012. You have summarized the following information.
A&M Inc.
Cash Budget Worksheet
First Quarter, 2012
18. December January
Estimated Sales $825,000 $730,000
Estimated Credit
Sales 770,000 690,000
Estimated Receipts:
Cash sales 40,000
Collections of Accounts Receivable
75% of last month’s credit sales 577,500
25% of current month credit sales 172,500
Total Accounts Receivable
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collections 750,000
Estimated purchases $438,000 504,000
Estimated payments of accounts
payable 438,000
504,000
Other estimated disbursements for January 2012, include
____________________________
Wages and Salaries $250,000
Rent 27,000
Other Expenses 10,000
Tax Payments 115,000
A&M’s projected cash balance at the beginning of January is
$120,000 and the company desires to maintain a balance of
$120,000
at the end of each month. Will A&M need to have a short-term
19. loan in
January?
Student Answer:
Yes.
No.
Question 24. Question : Continued from question 23, what is the
amount of short-
term loan required to meet the desired level of cash balance
at the end of January?
Student Answer:
$0
$50000
$55000
Question 25. Question : Your monthly statement from your bank
credit card shows
that the monthly rate of interest is 1.5%. What is the annual
effective rate of interest you are being charged on your credit
card?
20. Student Answer:
19.56%
1.50%
18.00%
29.56%
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Ch 5
Question 26. Question : If the spot rate for the Japanese yen is
$0.009204 and the
one-year forward rate is $0.009227, what is the annualized
premium (discount) for Japanese yen?
Student Answer:
premium of 1.00%
premium of 0.50%
discount of -0.99%
21. premium of 0.25%
Question 27. Question : Which of the following is/are true?
I. In an efficient capital market, all security investments will
have a zero NPV.
II. In an efficient capital market, corporate diversification is
inexpensive.
III. In an efficient capital market, corporate diversification is
unnecessary.
Student Answer:
I and II
I and III
II and III
All of the above
Question 28. Question : Sandy just won a $6,000,000 lottery in
Maryland. Instead of
receiving a lump sum, she found that she would receive
$240,000 annually (end of year) for 25 years. Sandy is 75
years old and wants her money now. She has been offered
$1,778,500 to sell her ticket. What rate of return is the buyer
expecting to make if Sandy accepts the offer?
HINT: This is a present value of an ordinary annuity
22. problem, and you would like to solve for I. The buyer
would get the end-of-year annual payment for 25 years.
The PV is the offered price.
Student Answer:
less than 10%
13.82%
14.67%
12.84%
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Ch 5
Question 29. Question : What is the value in 3 years of $21,500
deposited in an
account earning 3% compounded monthly?
Student Answer:
23. $23,493.63
$23,522.11
$21,661.65
$62,312.98
Question 30. Question : Over the past 3 years, your $15,000 in
gold coins has
increased value by 250 percent. You plan to sell these coins
today. You have paid annual storage and insurance costs of
$520 per year. Assay expenses at the time of sales are
expected to total $450. What is your 3-year holding period
return to this investment?
Student Answer:
236.60%
243.53%
143.53%
24. 136.60%
Question 31. Question : Two years ago you bought 100 shares
of UCD convertible
preferred stock at $45 per share. The preferred stock had an
annual dividend of $4.50 per share, and a total of $8.25 in
dividends per share have been paid so far. Today the
company announced that the stock is redeemable for $47.25
plus accrued and unpaid dividends, for a total of $48.00.
Alternatively, holders may convert their shares of preferred
stock at a conversion rate of 1.20 shares of UCD common
stock for each share of preferred stock. If the closing price of
UCD common stock is $47.50, what is your holding period
return?
Ch 5
Ch 2
Ch 2
Student Answer:
27.84%
36.25%
25. 25.00%
45.00%
Question 32. Question : Canadian Motors exports cars to the
U.S. Market. On
January 20, 2008, its most popular model was selling
(wholesale) to U.S. dealers for $48,000 (US dollars). What
price must Canadian Motors charge for the same model on
January 29, 2012 to realize the same amount of Canadian
dollar as it did in 2008? ($0.9350/C$ on 1/20/08 and
$1.10/C$ on 1/29/2012)
Student Answer:
$56,470.59.
$39,927.27.
$53,443.30.
$43,111.11.
26. Question 33. Question : M&M Inc. has an agreement with it
banks that allow M&M
to borrow money on a short term basis to finance its
inventories and accounts receivable. The agreement requires
M&M to maintain a current ratio of 2.2 or higher and a debt
ratio of 45% or lower. From the balance sheet, M&M has
total assets of $1,750,000, current assets of $975,000, and
total debts of $550,000 (consist of current liabilities of
$125,000 and long-term debt of $425,000). Determine how
much M&M could borrow this time to invest in inventory
and accounts receivable without violating the terms of its
borrowing agreement.
Student Answer:
$87,211.08
$431,818.18
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Ch 3
27. $498,095.27
$96,153.85
Question 34. Question : What is the return on stockholders'
equity for a firm with a
net profit margin of 5.5 percent, sales of $375,000, an equity
multiplier of 3.5, and total assets of $175,000?
Student Answer:
24.11%
29.27%
41.25%
21.59%
Question 35. Question : Which of the following is/are true?
I. A common-size balance sheet shows the firm's assets and
liabilities as a percentage of net sales.
II. The average collection period is the average number of
days an accounts receivable remains outstanding.
28. III. If a firm wishes to retain the same return on equity when
its net profit margin and total asset turnover has declined, it
must decrease its equity multiplier.
IV. An average collection period far above the industry
norm may indicate that the firm's credit policy is hurting
sales by restricting credit to the very best customer
Student Answer:
I and III
III
II
II and III
III and IV
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Ch 3
Question 36. Question : The ____ ratio, sometimes called the
"acid test," is a more
stringent measure of ____ than the ____ ratio.
29. Student Answer: current; financial leverage; quick
quick; liquidity; current
current; liquidity; quick
quick; financial leverage; current
Question 37. Question : Nancy bought 100 shares of Risky
Venture stock six months
ago for $14 per share and sold it yesterday for $12. The
company paid a total of $0.24 per share in dividends to
Nancy during the time you held the stock. What was Nancy’s
holding period return?
Student Answer:
-12.57%
-25.14%
-16.67%
16.00%
Question 38. Question : An exchange rate quoted as $0.88 per
Australian dollar in the
U.S. is known as a(n) ____ quote.
30. Student Answer: hedge
indirect
direct
value
Question 39. Question : The difference between the bid price
and the ask price on a
security is the:
Student Answer: asset factor
commission
value
spread
Question 40. Question : A treasury bond can be purchased for
$8,820 today and the
bond holder will receive $950 in interest and the $10,000
31. Ch 3
Ch3
Ch 2
Ch 2
Ch 2
face value at maturity. If you require a holding period rate of
return of 23%, do you believe this is a good invest at today's
price of $8,820?
Student Answer:
Yes, the holding period return is greater than 23%.
No, the holding period return is less than 23%.
Yes, the holding period return is equal to 23%.
Question 41. Question : Which of the following statements is
true?
I. Securities not listed on exchanges are said to be traded
over the counter.
II. The bid quote on a security from a dealer is always
smaller than the ask quote on a security.
III. Trading on the NYSE is conducted by members of the
32. exchange. The members that execute orders and act as
agents on behalf of their clients are floor brokers.
IV. The Dow Jones Industrial Average is calculated using the
total market value of 30 stocks.
Student Answer: All of the above.
II and IV only
I, II and III
I,II, and IV
None of the above
Points Received: 0 of 4.2
Question 42. Question : A&M Stores, a U.S. department store
chain, annually
negotiates a contract with UT watch company, located in
France, to purchase a large shipment of watches. On July 8,
2013, A&M purchased 2,500 watches for 850,000 euros. The
exchange rate on July 28, 2013 was $1.15/!. What is the cost
per watch in U.S. dollars for A&M Stores?
Student Answer: $977,500
$739,130.44
$295.65
33. $391
Ch 2
Ch 2
Question 43. Question : Which of the following is/are false?
I. If a firm's current ratio is 2.5, it is possible for its quick
ratio to be 2.0.
II. If a firm’s current ratio is greater than 1, it means that the
firm’s current liabilities exceed its current assets.
Student Answer: I
II
I and II
Neither I nor II
44. Question : Bank of America has granted you a ten year loan
for
34. $65,000. If your ten annual end of the year payments are
$13,380.50, what is the rate of interest Bank of America is
charging?
Student Answer: 14.76%
15.86%
20.21%
19.24%
Question 45. Question : Which of the following is/are true?
I. In preparing a statement of cash flows, the indirect method
involves adjusting net income to reconcile it to net cash
flows from operating activities.
II. The balance sheet shows the effects of a company’s
operating, investing, and financing activities on its cash
flows.
Student Answer:
I
II
All of the above
None of the above
35. Ch 3
Ch 5
Ch 3
Question 46. Question : The stock of A&M, Inc. has just been
sold in an initial public
offering at a price of $280 per share. One week after this
offering,
the stock has risen to $290. You believe the stock will rise to
$300
over the coming year. You expect A&M to pay a $10 dividend
during the coming year. If you require your one-year holding
period return to be 10%, is A&M stock a good investment at the
current price of $290?
Student Answer:
Yes, the expected one-year holding period return is 10.71%,
greater than the required return, 10%.
No, the expected one-year holding period return is 7.14%,
smaller
than the required return, 10%.
36. No, the expected one-year holding period return is 3.45%,
smaller
than the required return, 10%.
No, the expected one-year holding period return is 6.90%,
greater
than the required return, 10%.
Question 47. Question : A firm with an equity multiplier of 2.5,
will have a debt ratio
of
Student Answer: 2.50
0.75
4.00
0.60
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Ch 3