How much would you pay for 10% increase in sales?
Our average client experiences more than 10% increase in sales. The HPA Solution incorporates decades of Real Estate Coaching into an easy to follow system which will take your sales force to the next level.
HPA's executives, Jack Studnicky and Marie Williams can implement their award-winning HPA Solution so your sales managers can get the best out of your sales team.
Sales teams with clear direction and empowerment are happier, make more money and want to stay with your brokerage.
Contact us to today to see if your brokerage can implement this program.
The document discusses keys to ensuring business profit through biblical principles and practical strategies. It establishes that profit is acceptable according to Proverbs 14:23 and 21:5. The main pillars to improve profit are identified as lead generation, increasing conversion rates, increasing average sales, and improving margins. Specific tactics are provided under each pillar, such as determining your target clients, educating customers, creating quality images, automating processes, and reducing costs. The overall message is that diligence, goal setting, and focusing on these profit pillars can help a business achieve financial success.
This document discusses integrating social media into a comprehensive stewardship effort. It begins with an introduction to social media and the importance of defining a social media strategy that identifies the intended audience and key platforms. It then provides details on using specific social media tools like Facebook, Twitter, YouTube, and Foursquare for donor engagement and event promotion. The document concludes with suggestions for social media staffing models and questions.
Hillenbrand reported first quarter 2015 financial results. Revenue increased 4% to $401.5 million, driven by growth at the Process Equipment Group. Adjusted earnings per share grew 44% to $0.49. The Process Equipment Group saw a 6% revenue increase and a 43% rise in adjusted EBITDA. Batesville's revenue rose 2% while adjusted gross margin declined slightly. For fiscal year 2015, Hillenbrand expects 2-4% constant currency revenue growth and adjusted EPS of $2.05-$2.15.
May 11, 2015 Monday Morning Learning and Growth, 2015 Budget AnnouncementsJesse Dunn, CPA, CA
The document summarizes key points from the 2015 federal and provincial budgets of Ontario and Quebec. It outlines measures for businesses and individuals, such as reducing the small business tax rate, increasing the lifetime capital gains exemption, and amendments to tax credits. The presentation provides an overview of the budgets and their goals of maintaining balanced budgets while implementing tax measures and programs related to families, innovation, and other priorities.
The 2015 Operations Budgets document discusses AIS' 2015 budgets. It outlines that the revenue budget assumes steady membership growth and fees will remain unchanged. Operating costs are budgeted conservatively and focus on continuing service delivery improvements. The budgets aim to control costs while minimizing bad debts and capitalizing on event sponsorships. The total operating budget is $3.8 million, expected to yield a $242,000 surplus. The overall focus is on delivering excellent service and improving customer satisfaction.
- Third quarter financial results for Hillenbrand, a global diversified industrial company, showed revenue declining 4% to $399 million but increasing 3% on a constant currency basis driven by higher volume in both business segments.
- Adjusted earnings per share decreased 10% to $0.52 per diluted share while adjusted EBITDA declined 6% and operating cash flow was $76 million through the first three quarters.
- The Process Equipment Group saw a 4% constant currency revenue increase and a 110 basis point expansion in adjusted EBITDA margin, while Batesville had a 2% revenue increase but a 120 basis point decline in adjusted gross margin.
How much would you pay for 10% increase in sales?
Our average client experiences more than 10% increase in sales. The HPA Solution incorporates decades of Real Estate Coaching into an easy to follow system which will take your sales force to the next level.
HPA's executives, Jack Studnicky and Marie Williams can implement their award-winning HPA Solution so your sales managers can get the best out of your sales team.
Sales teams with clear direction and empowerment are happier, make more money and want to stay with your brokerage.
Contact us to today to see if your brokerage can implement this program.
The document discusses keys to ensuring business profit through biblical principles and practical strategies. It establishes that profit is acceptable according to Proverbs 14:23 and 21:5. The main pillars to improve profit are identified as lead generation, increasing conversion rates, increasing average sales, and improving margins. Specific tactics are provided under each pillar, such as determining your target clients, educating customers, creating quality images, automating processes, and reducing costs. The overall message is that diligence, goal setting, and focusing on these profit pillars can help a business achieve financial success.
This document discusses integrating social media into a comprehensive stewardship effort. It begins with an introduction to social media and the importance of defining a social media strategy that identifies the intended audience and key platforms. It then provides details on using specific social media tools like Facebook, Twitter, YouTube, and Foursquare for donor engagement and event promotion. The document concludes with suggestions for social media staffing models and questions.
Hillenbrand reported first quarter 2015 financial results. Revenue increased 4% to $401.5 million, driven by growth at the Process Equipment Group. Adjusted earnings per share grew 44% to $0.49. The Process Equipment Group saw a 6% revenue increase and a 43% rise in adjusted EBITDA. Batesville's revenue rose 2% while adjusted gross margin declined slightly. For fiscal year 2015, Hillenbrand expects 2-4% constant currency revenue growth and adjusted EPS of $2.05-$2.15.
May 11, 2015 Monday Morning Learning and Growth, 2015 Budget AnnouncementsJesse Dunn, CPA, CA
The document summarizes key points from the 2015 federal and provincial budgets of Ontario and Quebec. It outlines measures for businesses and individuals, such as reducing the small business tax rate, increasing the lifetime capital gains exemption, and amendments to tax credits. The presentation provides an overview of the budgets and their goals of maintaining balanced budgets while implementing tax measures and programs related to families, innovation, and other priorities.
The 2015 Operations Budgets document discusses AIS' 2015 budgets. It outlines that the revenue budget assumes steady membership growth and fees will remain unchanged. Operating costs are budgeted conservatively and focus on continuing service delivery improvements. The budgets aim to control costs while minimizing bad debts and capitalizing on event sponsorships. The total operating budget is $3.8 million, expected to yield a $242,000 surplus. The overall focus is on delivering excellent service and improving customer satisfaction.
- Third quarter financial results for Hillenbrand, a global diversified industrial company, showed revenue declining 4% to $399 million but increasing 3% on a constant currency basis driven by higher volume in both business segments.
- Adjusted earnings per share decreased 10% to $0.52 per diluted share while adjusted EBITDA declined 6% and operating cash flow was $76 million through the first three quarters.
- The Process Equipment Group saw a 4% constant currency revenue increase and a 110 basis point expansion in adjusted EBITDA margin, while Batesville had a 2% revenue increase but a 120 basis point decline in adjusted gross margin.
Hi q2-2015-earnings-call-presentation-finalHillenbrand_IR
Hillenbrand reported second quarter 2015 financial results on May 12, 2015. Revenue increased 2% to $405 million, driven by volume growth in both the Process Equipment Group and Batesville segments. Adjusted earnings per share increased 17% to $0.49 compared to the prior year normalized adjusted EPS of $0.54. For the full year 2015, Hillenbrand expects revenue to increase 2-4% on a constant currency basis and adjusted EPS to be between $2.05-$2.15.
Q4 2014 earnings call presentation final 11.19.14Hillenbrand_IR
Hillenbrand reported financial results for the fourth quarter and full year of 2014. Revenue increased 6% in Q4 and 7% for the full year. Adjusted EPS grew 22% in Q4 to $0.61 and increased 10% for the full year to $2.06. For 2015, the company expects revenue growth of 2-4% and adjusted EPS between $2.05-$2.15.
Hillenbrand reported financial results for the fourth quarter and full year of 2014. Revenue increased 6% in Q4 and 7% for the full year. Adjusted EPS grew 22% in Q4 to $0.61 and increased 10% for the full year to $2.06. For 2015, the company expects revenue growth of 2-4% and adjusted EPS between $2.05-$2.15.
This document provides an overview of topics covered in Accounting and Financial Management Week 7. These include basic budgeting for churches, reviewing an audit report, and internal controls. The budgeting section discusses budget basics, development, approval process, cash flow budgets, and making the budget work. The audit report review covers levels of engagement and what to look for in an independent auditor's report. Finally, the internal controls section defines internal accounting control and its key components, including control environment, control activities, risk assessment, information and communication, and monitoring activities.
A two-page executive summary of Ministry Ventures, a team dedicated to empowering ministries to create thriving organizations through coaching, training and consulting around the Five Best Practices of ministry development.
The document provides an overview of Progressive Waste Solutions' Q2 2015 financial results. It summarizes that the company saw strong revenue growth driven by higher volumes and pricing. It also discusses progress on operational excellence initiatives and fleet conversion efforts. While adjusted EBITDA declined in Q2, the company remains focused on generating cash and maximizing returns.
Progressive Waste Solutions Second Quarter 2015 Financial ResultsProgressiveWaste
The document provides an overview of Progressive Waste Solutions' Q2 2015 financial results. It summarizes that the company saw strong revenue growth driven by higher volumes and pricing. It also discusses progress on operational excellence initiatives and fleet conversion efforts. While adjusted EBITDA declined in Q2, the company remains focused on generating cash and maximizing returns.
The 2013 Stewardship Report summarizes the church's finances and activities for the year. It shows that the total income was 862 million KRW without JubiLink and 1.13 billion KRW with JubiLink. Total expenses were 861 million KRW without JubiLink and 1.13 billion KRW with it. Sunday offerings accounted for 65% of income. Expenses were highest for salaries at 40% of the total. As of the end of 2013, the church had 875 million KRW in cash and deposit accounts. Average Sunday attendance was 441 people.
- Nielsen reported third quarter 2015 results with revenue of $1.5 billion, up 5.0% in constant currency. Adjusted EBITDA was $479 million, up 6.9% in constant currency.
- Watch segment revenue grew 6.1% in constant currency, driven by growth in audience measurement and marketing effectiveness. Buy segment revenue grew 4.1% in constant currency, with solid growth globally despite challenges in some emerging markets.
- Nielsen tightened its full-year 2015 guidance range and expects total revenue growth of 4.3-4.8% in constant currency and adjusted EBITDA margin expansion of over 70 basis points.
Budgeting involves planning for the future by making estimates of expected financial results rather than reporting on past events. While budgets provide relevant information for decision making, they are less reliable than actual historical reports because they are based on estimates and guesses about future performance. Budgets require preparing projected income statements, cash flow statements, and balance sheets to plan finances for the upcoming period.
The document outlines the benefits and income opportunities available through Modicare's Azadi Plan. Key benefits include earning from self-use, sharing, and team development. The plan offers 8 areas of income, including savings on consumption up to 20%, retail profit up to 20%, and various bonus structures up to 22% based on business and team volume. Titles such as Director can be achieved through meeting certain qualification criteria like personal and group business volumes. Higher titles unlock additional bonus and reward structures.
The document outlines the benefits and income opportunities available through Modicare's Azadi Plan. Key benefits include earning from self-use, sharing, and team development. The plan offers 8 areas of income, including savings on consumption up to 20%, retail profit up to 20%, and various bonus structures up to 22% based on business and team volume. Titles such as Director can be achieved through meeting certain qualification criteria like personal and group business volumes. Higher titles unlock additional bonus and reward structures.
- The company reported strong interim results for H1 2015, with adjusted operating profit up 16% and adjusted earnings per share up 19%.
- Banking continued to perform well, with adjusted operating profit up 19% driven by loan book growth and lower bad debts.
- Securities adjusted operating profit was down 23% due to difficult market conditions and lower trading volumes.
- Asset Management saw steady progress with adjusted operating profit up 59% and assets under management growing 5%.
- The document provides preliminary financial results for FY 2015, including a 16% increase in adjusted operating profit to £225 million and a 19% rise in adjusted earnings per share to 120.5p.
- The banking division saw a 15% increase in adjusted operating profit to £208.7 million, with an 8.5% rise in its loan book. Securities delivered a resilient performance with adjusted operating profit of £24.6 million.
- Asset management continued its good progress with adjusted operating profit up 80% to £17.8 million, driven by higher investment management income.
The document summarizes the results of a performance audit of the Bryan/College Station Convention & Visitors Bureau (CVB). The audit reviewed the CVB's accounting procedures, direct economic impact, expenditures, and management/governance. It found that 85% of transactions reviewed were sufficient but some lacked oversight, documentation, or verifiable business purpose. It provided recommendations to improve the CVB's strategic direction, board engagement, and use of impact estimation tools. However, the CVB only concurred with some recommendations and not others like improving liquidity or implementing job costing.
“After three years of turnaround we are now moving to a different phase of delivery. We have improved the balance sheet, simplified the Group and we are now transforming our business. The progress is evident in these results.
“The Friends Life integration is ahead of schedule and we have delivered £63 million of run-rate synergies after three months. This is encouraging but nowhere near complete. Amidst the integration, our UK Life business continued to grow, with value of new business up 31% excluding Friends Life.
“In general insurance, premiums and operating profits were higher. The combined ratio was 93.1%, the best in eight years, and underwriting profits increased 45%.
“The 15% increase in the dividend is a further step towards achieving our target payout ratio and underlines our confidence in our cash flow and the business.”
Transfield Services provides a wide range of essential services across industries like oil and gas, facilities management, defense, transportation, utilities and telecommunications. The company delivered strong financial results in 2015 with increased revenue, earnings and cash flow despite difficult market conditions. Transfield Services continues focusing on strengthening its balance sheet by prioritizing debt reduction and improving key financial metrics. Looking ahead, the company sees clear paths for growth through operational efficiencies, leveraging defense work, social outsourcing, and capitalizing on infrastructure projects.
This document provides an investor presentation for Greif that includes forward-looking statements and non-GAAP financial measures. It summarizes Greif's vision, strategic priorities, and transformation progress. Greif's strategic priorities include improving customer experience, strengthening performance through margin expansion and cash flow generation, and optimizing its portfolio. The presentation highlights Greif's steady improvement across key financial metrics like gross margin, SG&A, and cash flow as it executes its transformation. Greif is tracking towards its 2017 transformation commitments and will provide an update at its upcoming Investor Day.
A Fill in the missing information for the balance sheet.B What.pdfsathyavlr
A: Fill in the missing information for the balance sheet.
B: What\'s the cash flow from assets?
C: What\'s the cash flow to creditors?
D: What\'s the current ratio?
E: What\'s the debt to equity ratio? Given is a partial balance sheet and income statement for
Louis, Inc. Balance Sheet 2014 2015 Curent Assets 225 Fixed Assets 150 Total Assets 557
Current Liabilities 234 Long-Term Liabilities 60 52 Stockholders\' Equity 22s Total liabilitiesSE
601 | Income Statement 2015 Revenue 1000 COGS 333 Depreciation 285 EBIT Interest Expense
49 EBT Taxes Expense @30% Net Income
Solution
Company income statement
Revenue
1000
Cost of goods sold
333
Depreciation
285
EBIT
382
Interest
49
Taxes (30%)
99.9
Net income
233.10
Balance sheet
2014
2015
Current assets
225
407
Fixed assets
376
150
Total assets
601
557
Current liabilities
318
234
Long term liabilities
60
52
Stock holders equity
223
271
Total liabilities/SE
601
557
B) Cash Flow from Assets
= Operating Cash Flow
- Capital Spending
- Additions to NWC
= 233.10 - (150-376) - (407 - 225)
= 277.10
C) Cash flow to creditors is equal to: beginning total liabilities minus ending total liabilities plus
interest paid
= 60 - 52 + 49
= 57
D: Current ratio = current assets / current liabilities
2015= 407 / 234
=1.739316
2014 = 225/318
= 0.707547
E) Debt to equity ratio = Debt / equity
2015= 52 /271
= 0.191882
2014 = 60/223
= 0.269058
Company income statement
Revenue
1000
Cost of goods sold
333
Depreciation
285
EBIT
382
Interest
49
Taxes (30%)
99.9
Net income
233.10.
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.
Hi q2-2015-earnings-call-presentation-finalHillenbrand_IR
Hillenbrand reported second quarter 2015 financial results on May 12, 2015. Revenue increased 2% to $405 million, driven by volume growth in both the Process Equipment Group and Batesville segments. Adjusted earnings per share increased 17% to $0.49 compared to the prior year normalized adjusted EPS of $0.54. For the full year 2015, Hillenbrand expects revenue to increase 2-4% on a constant currency basis and adjusted EPS to be between $2.05-$2.15.
Q4 2014 earnings call presentation final 11.19.14Hillenbrand_IR
Hillenbrand reported financial results for the fourth quarter and full year of 2014. Revenue increased 6% in Q4 and 7% for the full year. Adjusted EPS grew 22% in Q4 to $0.61 and increased 10% for the full year to $2.06. For 2015, the company expects revenue growth of 2-4% and adjusted EPS between $2.05-$2.15.
Hillenbrand reported financial results for the fourth quarter and full year of 2014. Revenue increased 6% in Q4 and 7% for the full year. Adjusted EPS grew 22% in Q4 to $0.61 and increased 10% for the full year to $2.06. For 2015, the company expects revenue growth of 2-4% and adjusted EPS between $2.05-$2.15.
This document provides an overview of topics covered in Accounting and Financial Management Week 7. These include basic budgeting for churches, reviewing an audit report, and internal controls. The budgeting section discusses budget basics, development, approval process, cash flow budgets, and making the budget work. The audit report review covers levels of engagement and what to look for in an independent auditor's report. Finally, the internal controls section defines internal accounting control and its key components, including control environment, control activities, risk assessment, information and communication, and monitoring activities.
A two-page executive summary of Ministry Ventures, a team dedicated to empowering ministries to create thriving organizations through coaching, training and consulting around the Five Best Practices of ministry development.
The document provides an overview of Progressive Waste Solutions' Q2 2015 financial results. It summarizes that the company saw strong revenue growth driven by higher volumes and pricing. It also discusses progress on operational excellence initiatives and fleet conversion efforts. While adjusted EBITDA declined in Q2, the company remains focused on generating cash and maximizing returns.
Progressive Waste Solutions Second Quarter 2015 Financial ResultsProgressiveWaste
The document provides an overview of Progressive Waste Solutions' Q2 2015 financial results. It summarizes that the company saw strong revenue growth driven by higher volumes and pricing. It also discusses progress on operational excellence initiatives and fleet conversion efforts. While adjusted EBITDA declined in Q2, the company remains focused on generating cash and maximizing returns.
The 2013 Stewardship Report summarizes the church's finances and activities for the year. It shows that the total income was 862 million KRW without JubiLink and 1.13 billion KRW with JubiLink. Total expenses were 861 million KRW without JubiLink and 1.13 billion KRW with it. Sunday offerings accounted for 65% of income. Expenses were highest for salaries at 40% of the total. As of the end of 2013, the church had 875 million KRW in cash and deposit accounts. Average Sunday attendance was 441 people.
- Nielsen reported third quarter 2015 results with revenue of $1.5 billion, up 5.0% in constant currency. Adjusted EBITDA was $479 million, up 6.9% in constant currency.
- Watch segment revenue grew 6.1% in constant currency, driven by growth in audience measurement and marketing effectiveness. Buy segment revenue grew 4.1% in constant currency, with solid growth globally despite challenges in some emerging markets.
- Nielsen tightened its full-year 2015 guidance range and expects total revenue growth of 4.3-4.8% in constant currency and adjusted EBITDA margin expansion of over 70 basis points.
Budgeting involves planning for the future by making estimates of expected financial results rather than reporting on past events. While budgets provide relevant information for decision making, they are less reliable than actual historical reports because they are based on estimates and guesses about future performance. Budgets require preparing projected income statements, cash flow statements, and balance sheets to plan finances for the upcoming period.
The document outlines the benefits and income opportunities available through Modicare's Azadi Plan. Key benefits include earning from self-use, sharing, and team development. The plan offers 8 areas of income, including savings on consumption up to 20%, retail profit up to 20%, and various bonus structures up to 22% based on business and team volume. Titles such as Director can be achieved through meeting certain qualification criteria like personal and group business volumes. Higher titles unlock additional bonus and reward structures.
The document outlines the benefits and income opportunities available through Modicare's Azadi Plan. Key benefits include earning from self-use, sharing, and team development. The plan offers 8 areas of income, including savings on consumption up to 20%, retail profit up to 20%, and various bonus structures up to 22% based on business and team volume. Titles such as Director can be achieved through meeting certain qualification criteria like personal and group business volumes. Higher titles unlock additional bonus and reward structures.
- The company reported strong interim results for H1 2015, with adjusted operating profit up 16% and adjusted earnings per share up 19%.
- Banking continued to perform well, with adjusted operating profit up 19% driven by loan book growth and lower bad debts.
- Securities adjusted operating profit was down 23% due to difficult market conditions and lower trading volumes.
- Asset Management saw steady progress with adjusted operating profit up 59% and assets under management growing 5%.
- The document provides preliminary financial results for FY 2015, including a 16% increase in adjusted operating profit to £225 million and a 19% rise in adjusted earnings per share to 120.5p.
- The banking division saw a 15% increase in adjusted operating profit to £208.7 million, with an 8.5% rise in its loan book. Securities delivered a resilient performance with adjusted operating profit of £24.6 million.
- Asset management continued its good progress with adjusted operating profit up 80% to £17.8 million, driven by higher investment management income.
The document summarizes the results of a performance audit of the Bryan/College Station Convention & Visitors Bureau (CVB). The audit reviewed the CVB's accounting procedures, direct economic impact, expenditures, and management/governance. It found that 85% of transactions reviewed were sufficient but some lacked oversight, documentation, or verifiable business purpose. It provided recommendations to improve the CVB's strategic direction, board engagement, and use of impact estimation tools. However, the CVB only concurred with some recommendations and not others like improving liquidity or implementing job costing.
“After three years of turnaround we are now moving to a different phase of delivery. We have improved the balance sheet, simplified the Group and we are now transforming our business. The progress is evident in these results.
“The Friends Life integration is ahead of schedule and we have delivered £63 million of run-rate synergies after three months. This is encouraging but nowhere near complete. Amidst the integration, our UK Life business continued to grow, with value of new business up 31% excluding Friends Life.
“In general insurance, premiums and operating profits were higher. The combined ratio was 93.1%, the best in eight years, and underwriting profits increased 45%.
“The 15% increase in the dividend is a further step towards achieving our target payout ratio and underlines our confidence in our cash flow and the business.”
Transfield Services provides a wide range of essential services across industries like oil and gas, facilities management, defense, transportation, utilities and telecommunications. The company delivered strong financial results in 2015 with increased revenue, earnings and cash flow despite difficult market conditions. Transfield Services continues focusing on strengthening its balance sheet by prioritizing debt reduction and improving key financial metrics. Looking ahead, the company sees clear paths for growth through operational efficiencies, leveraging defense work, social outsourcing, and capitalizing on infrastructure projects.
This document provides an investor presentation for Greif that includes forward-looking statements and non-GAAP financial measures. It summarizes Greif's vision, strategic priorities, and transformation progress. Greif's strategic priorities include improving customer experience, strengthening performance through margin expansion and cash flow generation, and optimizing its portfolio. The presentation highlights Greif's steady improvement across key financial metrics like gross margin, SG&A, and cash flow as it executes its transformation. Greif is tracking towards its 2017 transformation commitments and will provide an update at its upcoming Investor Day.
A Fill in the missing information for the balance sheet.B What.pdfsathyavlr
A: Fill in the missing information for the balance sheet.
B: What\'s the cash flow from assets?
C: What\'s the cash flow to creditors?
D: What\'s the current ratio?
E: What\'s the debt to equity ratio? Given is a partial balance sheet and income statement for
Louis, Inc. Balance Sheet 2014 2015 Curent Assets 225 Fixed Assets 150 Total Assets 557
Current Liabilities 234 Long-Term Liabilities 60 52 Stockholders\' Equity 22s Total liabilitiesSE
601 | Income Statement 2015 Revenue 1000 COGS 333 Depreciation 285 EBIT Interest Expense
49 EBT Taxes Expense @30% Net Income
Solution
Company income statement
Revenue
1000
Cost of goods sold
333
Depreciation
285
EBIT
382
Interest
49
Taxes (30%)
99.9
Net income
233.10
Balance sheet
2014
2015
Current assets
225
407
Fixed assets
376
150
Total assets
601
557
Current liabilities
318
234
Long term liabilities
60
52
Stock holders equity
223
271
Total liabilities/SE
601
557
B) Cash Flow from Assets
= Operating Cash Flow
- Capital Spending
- Additions to NWC
= 233.10 - (150-376) - (407 - 225)
= 277.10
C) Cash flow to creditors is equal to: beginning total liabilities minus ending total liabilities plus
interest paid
= 60 - 52 + 49
= 57
D: Current ratio = current assets / current liabilities
2015= 407 / 234
=1.739316
2014 = 225/318
= 0.707547
E) Debt to equity ratio = Debt / equity
2015= 52 /271
= 0.191882
2014 = 60/223
= 0.269058
Company income statement
Revenue
1000
Cost of goods sold
333
Depreciation
285
EBIT
382
Interest
49
Taxes (30%)
99.9
Net income
233.10.
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
Economic Risk Factor Update: June 2024 [SlideShare]Commonwealth
May’s reports showed signs of continued economic growth, said Sam Millette, director, fixed income, in his latest Economic Risk Factor Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby...Donc Test
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting, 8th Canadian Edition by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Ebook Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Pdf Solution Manual For Financial Accounting 8th Canadian Edition Pdf Download Stuvia Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Financial Accounting 8th Canadian Edition Ebook Download Stuvia Financial Accounting 8th Canadian Edition Pdf Financial Accounting 8th Canadian Edition Pdf Download Stuvia
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...sameer shah
Delve into the world of STREETONOMICS, where a team of 7 enthusiasts embarks on a journey to understand unorganized markets. By engaging with a coffee street vendor and crafting questionnaires, this project uncovers valuable insights into consumer behavior and market dynamics in informal settings."
How Does CRISIL Evaluate Lenders in India for Credit RatingsShaheen Kumar
CRISIL evaluates lenders in India by analyzing financial performance, loan portfolio quality, risk management practices, capital adequacy, market position, and adherence to regulatory requirements. This comprehensive assessment ensures a thorough evaluation of creditworthiness and financial strength. Each criterion is meticulously examined to provide credible and reliable ratings.
2. Stewardship Ministry
Vision Statement
Matthew 25:21
His master replied, 'Well done, good and faithful servant! You have been faithful with a
few things I will put you in charge of many things. Come and share your master's
happiness!‘
We are stewards, not owners, who are called to
use all of God’s gifts for His purpose based on
our love relationship with the Father.
3. Financial Planning Calendar
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Annual Budgeting Process
• Budget submit (ministry teams)
• Budget review cycle
• Finalize budget
• Budget review & adjustment
Monthly Updates
• Finance update to elders
• Discuss operational issues, adjustments
Annual Report
• Congregation report
4. 2015 Summary w/o JubiLink
Category Value
Total Income 936,817,351
Total Expense -960,396,863
Net Income -23,579,512
12. 2015 Avg. Persons Tithing/Month
Year Tithing
2015 86/446 19.3%
2014 117/442 26.5%
2013 111/441 25.2%
* Only includes people who wrote names on the offering
envelopes or wired to bank account.
The vision of stewardship ministry is based on Matthew 25.
Matthew 25 first establishes God’s authority, he is the owner. Second, shows God’s relationship with us. It’s true that God blesses us with responsibility. If we are faithful, then he will bless. The emphasis is not on the material blessing but on the relationship with the master.
As we go over our church finances, we have to remember this context of relationship when we talk about money.
One reason we cover report during worship service bc numbers are worship
2014 Summary w/o JubiLink
Total Offering : 906,211,142
Total Expense : 878,354,829
Net Income : 27,856,313
2013 Summary w/o JubiLink
Total Offering : 862,207,311
Total Expense : 861,213,053
Net Income : 994,258
2012 Summary w/o JubiLink
Total Offering : 796,407,354
Total Expense : 743,217,077
Net Income : 53,190,277
2011 Summary w/o JubiLink
Total Offering : 759,605,918
Total Expense : 733,116,290
Net Income : 26,489,628
2014 Summary w/o JubiLink
Total Offering : 906,211,142
Total Expense : 878,354,829
Net Income : 27,856,313
2013 Summary w/o JubiLink
Total Offering : 862,207,311
Total Expense : 861,213,053
Net Income : 994,258
2012 Summary w/o JubiLink
Total Offering : 796,407,354
Total Expense : 743,217,077
Net Income : 53,190,277
2011 Summary w/o JubiLink
Total Offering : 759,605,918
Total Expense : 733,116,290
Net Income : 26,489,628
2014 Summary w/o JubiLink
Total Offering : 906,211,142
Total Expense : 878,354,829
Net Income : 27,856,313
2013 Summary w/o JubiLink
Total Offering : 862,207,311
Total Expense : 861,213,053
Net Income : 994,258
2012 Summary w/o JubiLink
Total Offering : 796,407,354
Total Expense : 743,217,077
Net Income : 53,190,277
2011 Summary w/o JubiLink
Total Offering : 759,605,918
Total Expense : 733,116,290
Net Income : 26,489,628
2014 Total
Total Offering 1,316,824,763
Total Expense -1,305,898,344
Net Income 10,926,419
2013 Total
Total Offering 1,134,092,850
Total Expense -1,135,654,542
Net Income -1,561,692
2012 Total
Total Offering 990,846,822
Total Expense -937,656,545
Net Income 53,190,277
2011 Total
Total Income 987,008,834
Total Expense -960,519,206
Net Income 26,489,628
2014 Avg. attendance was 442
About 74% of income from Sunday offering (tithes and other offering)
2015 avg. Monthly Sunday offering is 58 mil. Total incoming avg. 78mil/month
2014 Avg. Monthly Sunday offering is 62 mil. Total income avg. 75 mil/month
2013 Avg. offering was 57.6 mil
2012 Avg. offering was 66 mil
One indication of the health and growth of our church is tithing.
Avg attendance this year went up to 446 people per Sunday (both services).
Reference: Evangelical Christians tithe 24%, Churchgoers 10%
2012 : 102/400 25.5%
Out of the 86 people who tithe, the avg. 390,578.
Tithe accounts for 45% of total income.
2014 was 64% from tithe.
Roughly 1/3 goes to Rent, 1/3 goes to Salary, 1/3 to others. Every month we spend 25 mill on rent.
2014 avg. expense / month was w76mil.
2013 avg. expense / month was w72mil.
2012 avg. expense / month was w62mil.
Including JubiLink, we spend 30% on missions. 1,266,994,498
In 2014, 36% went to Missions,
In 2013, 30% went to Missions,
In 2012, 28% went to Missions,
In 2011, 30% went to Missions,
In 2010, 25% went to missions.
This represents our current cash balance. If you are wondering why we’re month to month without any savings. Building deposit.
Does not include physical assets like chairs and lights. Just cash assets.
Move on to question and answer.
Please keep some things in mind
Our vision of stewardship based on relationships
Ask questions that you think would benefit the whole group. If you have a personal curiosity, ask in private