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BA 620 Managerial Finance Group Company Project Guidelines.docxwilcockiris
BA 620 Managerial Finance
Group Company Project Guidelines
Group/Company Project. One of the goals BA 620 Managerial Finance is to introduce you to
various concepts, theories, and methods of evaluating the financial strength of a company. This
paper is opportunities to put into practice these concepts, theories, etc. that apply to a company.
Select a publicly traded company and record your selection with me. During the course, it will be
your responsibility to use the class concepts to research the company and apply the class learning
to the information obtained about the company.
Important:
The professor will assign you to groups at the beginning of this class.
Each group will be assigned one or more companies to analyze.
Please note that the professor reserves the right to modify the
requirements of the group project.
Guide to Group Company Analysis
Part I (40 points)
A. Research and then describe your company's primary business activities. Include:
1. A brief historical summary,
2. A list of competitors,
3. The company's position within the industry,
4. Recent developments within the company/industry,
5. Future direction, and
6. Other items of significance to your corporation.
B. Include information from a variety of resources. For example:
1. Consult the Form 10-K filed with the SEC.
2. Review the Annual Report and especially the Letter to Shareholders
3. Explore the corporate website.
4. Select at least two significant news items from recent business periodicals
C. Submit a written report that is 5-7 pages long. The report should be well written with cover
page, introduction, body of paper (with appropriate subheadings), conclusion, and
reference page. References must be appropriately cited. Be sure to address all of the
points in Section A above, using all of the resources listed in Section B. Format: Double-
spaced, one-inch margins, using a 12-point Times New Roman font.
D. Due Date: Last day of Week/Module 2
Part II (60 points):
The purpose of the second part of the comprehensive project is to compute financial statement
ratios. Based on the company you selected in Part I, complete the following:
A. Compute the following ratios for two years. You may use Excel to compute your ratios.
1. Debt ratio
2. Gross profit margin
3. Free cash flow
4. Times interest earned
5. Accounts receivable turnover
6. Inventory turnover
B. Prepare a DuPont Analysis of ROE for two years, including computations of
1. Return on Sales
2. Asset Turnover
3. Return on Assets
4. Financial Leverage
5. Return on Equity
C. Briefly evaluate the ratio trends. Indicate on your worksheet whether each ratio is:
1. stronger / weaker
2. quicker /slower
3. more / less liquid
4. more / less risk
D. Write a 3-6 page report evaluating trends in all of the above ratios. Discuss whether your
company's profitability, efficiency, liquidity, and solvency are improving or d.
BA 620 Managerial Finance Group Company Project Guidelines.docxwilcockiris
BA 620 Managerial Finance
Group Company Project Guidelines
Group/Company Project. One of the goals BA 620 Managerial Finance is to introduce you to
various concepts, theories, and methods of evaluating the financial strength of a company. This
paper is opportunities to put into practice these concepts, theories, etc. that apply to a company.
Select a publicly traded company and record your selection with me. During the course, it will be
your responsibility to use the class concepts to research the company and apply the class learning
to the information obtained about the company.
Important:
The professor will assign you to groups at the beginning of this class.
Each group will be assigned one or more companies to analyze.
Please note that the professor reserves the right to modify the
requirements of the group project.
Guide to Group Company Analysis
Part I (40 points)
A. Research and then describe your company's primary business activities. Include:
1. A brief historical summary,
2. A list of competitors,
3. The company's position within the industry,
4. Recent developments within the company/industry,
5. Future direction, and
6. Other items of significance to your corporation.
B. Include information from a variety of resources. For example:
1. Consult the Form 10-K filed with the SEC.
2. Review the Annual Report and especially the Letter to Shareholders
3. Explore the corporate website.
4. Select at least two significant news items from recent business periodicals
C. Submit a written report that is 5-7 pages long. The report should be well written with cover
page, introduction, body of paper (with appropriate subheadings), conclusion, and
reference page. References must be appropriately cited. Be sure to address all of the
points in Section A above, using all of the resources listed in Section B. Format: Double-
spaced, one-inch margins, using a 12-point Times New Roman font.
D. Due Date: Last day of Week/Module 2
Part II (60 points):
The purpose of the second part of the comprehensive project is to compute financial statement
ratios. Based on the company you selected in Part I, complete the following:
A. Compute the following ratios for two years. You may use Excel to compute your ratios.
1. Debt ratio
2. Gross profit margin
3. Free cash flow
4. Times interest earned
5. Accounts receivable turnover
6. Inventory turnover
B. Prepare a DuPont Analysis of ROE for two years, including computations of
1. Return on Sales
2. Asset Turnover
3. Return on Assets
4. Financial Leverage
5. Return on Equity
C. Briefly evaluate the ratio trends. Indicate on your worksheet whether each ratio is:
1. stronger / weaker
2. quicker /slower
3. more / less liquid
4. more / less risk
D. Write a 3-6 page report evaluating trends in all of the above ratios. Discuss whether your
company's profitability, efficiency, liquidity, and solvency are improving or d.
BA 620 Managerial Finance Group Company Project Guidelines.docxrosemaryralphs52525
BA 620 Managerial Finance
Group Company Project Guidelines
Group/Company Project. One of the goals BA 620 Managerial Finance is to introduce you to
various concepts, theories, and methods of evaluating the financial strength of a company. This
paper is opportunities to put into practice these concepts, theories, etc. that apply to a company.
Select a publicly traded company and record your selection with me. During the course, it will be
your responsibility to use the class concepts to research the company and apply the class learning
to the information obtained about the company.
Important:
The professor will assign you to groups at the beginning of this class.
Each group will be assigned one or more companies to analyze.
Please note that the professor reserves the right to modify the
requirements of the group project.
Guide to Group Company Analysis
Part I (40 points)
A. Research and then describe your company's primary business activities. Include:
1. A brief historical summary,
2. A list of competitors,
3. The company's position within the industry,
4. Recent developments within the company/industry,
5. Future direction, and
6. Other items of significance to your corporation.
B. Include information from a variety of resources. For example:
1. Consult the Form 10-K filed with the SEC.
2. Review the Annual Report and especially the Letter to Shareholders
3. Explore the corporate website.
4. Select at least two significant news items from recent business periodicals
C. Submit a written report that is 5-7 pages long. The report should be well written with cover
page, introduction, body of paper (with appropriate subheadings), conclusion, and
reference page. References must be appropriately cited. Be sure to address all of the
points in Section A above, using all of the resources listed in Section B. Format: Double-
spaced, one-inch margins, using a 12-point Times New Roman font.
D. Due Date: Last day of Week/Module 2
Part II (60 points):
The purpose of the second part of the comprehensive project is to compute financial statement
ratios. Based on the company you selected in Part I, complete the following:
A. Compute the following ratios for two years. You may use Excel to compute your ratios.
1. Debt ratio
2. Gross profit margin
3. Free cash flow
4. Times interest earned
5. Accounts receivable turnover
6. Inventory turnover
B. Prepare a DuPont Analysis of ROE for two years, including computations of
1. Return on Sales
2. Asset Turnover
3. Return on Assets
4. Financial Leverage
5. Return on Equity
C. Briefly evaluate the ratio trends. Indicate on your worksheet whether each ratio is:
1. stronger / weaker
2. quicker /slower
3. more / less liquid
4. more / less risk
D. Write a 3-6 page report evaluating trends in all of the above ratios. Discuss whether your
company's profitability, efficiency, liquidity, and solvency are improving or d.
Financial Statement Analysis Project
Valuation
Valuation
The last step of the project is to valuate the company and determine the buy price
We are going to introduce two valuation systems:
Margin of Safety price
Buy price based on Owner Earnings
2
Margin of Safety (MOS) Price
Step 1: EPS Trailing 12 month (EPS TTM)
Sum of EPS from the most recent 4 quarters (from Yahoo Finance or 10-Q)
Step 2: Future Growth Rate (FGR) – Key Parameter
You have calculated annual growth rates of Book Value, EPS, CFO, and Sales per share
Use these growth rates to come up your estimate of FGR (you just need to ball park a FGR, and it will be a rough estimate)
Your estimated FGR should be <= Analysts’ forecast of future growth
Step 3: Future EPS=EPS TTM × (1+FGR)10
Projected EPS in 10 years
Margin of Safety (MOS) Price
Step 4: Future P/E Ratio= 2 × FGR
Should be capped at historical high P/E ratio
Step 5: Future Value= Future EPS × Future P/E Ratio
Projected firm value in 10 years
Step 6: Fair Price= Future Value ÷ 4
Company’s fair value today
We want our money to double up every 5 years
Step 7: MOS Price= Fair price × 50%
I can help you with analysts’ forecast of FGR and historical high P/E ratio, as it can be challenging for you to find out
Buy Price based on Owner Earnings
This is the valuation method Buffett uses and explained in his 1986 Letter to Berkshire’s shareholders
We think of businesses like many people think of a real estate investment – a money making machine based on net profits generated
One way to look at a business is by analyzing cash flow generated after certain expenses. If you can keep a good profit after expenses and expect it to continue in the future, you have a good deal.
Buffett defines this cash flow as “Owner Earnings.”
We are looking to buy a great company at a price that will earn a 10% return (=Owner earnings) every year
Compute Owner Earnings
Pretax Income
+ Depreciation and Amortization
+/- Changes in Accounts Receivable
+/- Changes in Inventories
+/- Changes in Accounts Payable
- Maintenance CapEx (Total CapEx with Growth CapEx taken out)
----------------------
= Owner Earnings
Maintenance CapEx
Maintenance CapEx is the money the company spent to replace worn out property and equipment for the last fiscal year.
In real estate, this is like replacement of roof, countertop, carpet, and furnaces, etc.
The money spent on acquiring more real estate properties is Growth CapEx.
Most companies, however, do not separately report maintenance CapEx.
So we need to read 10-K to help us identify the maintenance CapEx.
Entry Point
Now you have two buy prices calculated. If your company is a great company you would like to own for the next 10 years, wait now until an event puts the company on sale
Great companies are often priced high (e.g., Costco, Chipotle, Ulta), and we don’t chase the stock
An event is an incident that causes the company’s stock price to decline sharply and puts the comp.
A comprehensive evaluation of an investor's current and future financial state by using currently known variables to predict future cash flows, asset values and withdrawal plans.
Most individuals work in conjunction with an investment or tax professional and use current net worth, tax liabilities, asset allocation, and future retirement and estate plans in developing the plan. These will be used along with estimates of asset growth to determine if a person's financial goals can be met in the future, or what steps need to be taken to ensure that they are.
Equity Consulting Report PowerPoint Presentation Slides is a virtual tool for financial analysts to compile their investment research insights. This private financing PPT theme is replete with data visualization tools. Use pie charts, tabular formats, and other kinds of diagrams to present information about the target company’s financial health. Our equity investment analysis PowerPoint slideshow incorporates state of the art design elements. Using this equity valuation PPT presentation you can consolidate a visually-appealing financial ratio analysis. Build a crisp industry overview involving competitive environment analysis and the latest industry trends. Our investment research PowerPoint templates help you to compile valuation analysis using various methods. Risk assessment is another important aspect that you can address with the help of this Equity research PPT slideshow. Elaborate on the types of risks like currency risk, inflation risk, and so on. Private equity consulting even helps you to identify and portray the intensity of each type of risk. https://bit.ly/3kuXvnu
PAGE -4-Arab Open UniversityBE2114 – Introduction .docxgerardkortney
PAGE
-4-
Arab Open University
BE211/4 – Introduction to Managerial Accounting
TMA – First Semester 2016 - 2017
Cut-Off Date: Week 11 (8th December 2016)
About TMA:
The TMA covers the management accounting concepts and practices in the businesses. It is marked out of 100 and is worth 20% of the overall assessment component. It is intended to assess students’ understanding of some of the learning points within chapters 16, 20, 22 and 24. This TMA requires you to apply the course concepts. The TMA is intended to:
· Assess students’ understanding of key learning points within chapters 16, 20, 22 and 24.
· Increase the students’ knowledge about the reality of the cost and management accounting as a profession.
· Develop students’ communication skills, such as essay writing, analysis and presentation of material.
· Develop the ability to understand and interact with the nature of the managerial accounting tools in reality.
The TMA:
The TMA requires you to:
1- Review various study chapters of ’Financial & Managerial Accounting’ Book and apply some of the concepts within it.
2- Conduct a simple information search using the internet.
3- Present your findings in not more than 1,200 words (800 words for Part A and 400 words for Part B). The word count excludes headings, references, title page, and diagrams.
4- You should use a Microsoft Office Word and Times New Roman Font of 12 points.
5- You should read and follow the instructions below carefully. Each part of the process will carry marks for the assignment.
Criteria for Grade Distribution:
Criteria
Content
Referencing
Structure and Presentation of ideas
Total marks
Part A
Part B
Managerial Accounting for Pearson Company
Budgeting for Atkinson Processing Company
Marks
60
40
(5)
(5)
100
Part A
Managerial Accounting for Pearson Company
Pearson Company is one of the leading automobile manufacturing companies in Middle East region. The company has been known for providing best quality products and highest standards of service level for the possible selling price. Pearon’s products have been most liked by customers who are in different age groups say 18 – 55 years. The Company has been trying its best to sustain its competitive edge through its products and pricing structure.
This company has three major divisions and each division has a top accountant called the controller, and the management accounting that is done in these divisions comes under the leadership of the controller. On the other hand, the controller usually reports to the vice president of finance for the division who, in turn, reports to the division’s president and/or overall chief financial officer (CFO). All of these individuals are responsible for the flow of good accounting information that supports the planning, control, and evaluation work that takes place within the organization.
The need for Management Accountant
The company’s top executives always felt that they need a management accountant .
Meaning
Purpose
Forms of presenting comparative statement
Comparative Balance Sheet
Advantage of comparative balance sheet
Format of comparative balance sheet
Illustration
Exercise
Comparative statements of profit & loss
Objective of comparative statement of profit & loss
Format of comparative statement of profit & loss
Illustration
Exercise
EFN Percent of sales method = SAS ▲S + ▲FA - SLS ▲S - ▲RE .docxjack60216
EFN Percent of sales method = SA/S ▲S + ▲FA - SL/S ▲S - ▲RE +/- Misc.
▲RE = (S + ▲S)(PM)(1 - PO)
D/A: Debt to asset ratio (EFN + (SL/S)▲S)/((SA/S)▲S + ▲FA)
Sustainable Growth: ▲S = (▲FA(1 - D/A) - S(PM)(1 - PO))/((SA/S)(D/A - 1) + (PM)(1 - PO))
Instructions: You must complete and hand-in this exam as a word document. Type your answers where appropriate in essays and problems. In the multiple choice questions, highlight your answer.
Part 1: Multiple Choice Questions. Please select the best answer of those provided. Mark your answers by highlighting the correct response. Each question is worth 2 points.
1. Suppose that a company has a profit margin of 5%, an ROA of 12.5% and an ROE of 37.5%. What are this company’s asset turnover and equity multiplier ratios, respectively? They are:
a. 2.5 and 3.0
b. 6 and 0.667
c. 3 and 2
d. 5% and 12.5%
e. None of the above
2. A company has an ROE of 12% and an equity multiplier of 3. What is its ROA? It is:
a. 4%
b. 12%
c. 36%
d. There is insufficient information to compute this number
e. None of the above
3. Which of the following ratios does not measure the quality of liquidity?
a. Current Ratio
b. Ratio of Inventory to Working Capital
c. Ratio of Receivables to Working Capital.
d. None of the above.
4. Leverage magnifies the bottom line. So in a good year, debt can magnify (increase) a company’s positive net income.
a. True
b. False
5. If a company’s inventory to working capital increased, but its total current assets and current liabilities did not change, its quality of liquidity would…..
a. increase
b. decrease
c. not change
6. Suppose that a company has a debt to asset ratio of 75%. Its debt to equity ratio would be:
a. 75%
b. 25%
c. 300%
d. 750%
e. None of the above
7. If interest rates increase, then a company’s times interest earned ratio would most likely…… (You may assume the company has borrowed a significant amount of both long and short-term debt).
a. increase
b. decrease
c. not change
8. If inventory turnover decreases in a year in which sales and cost of goods sold have not changed, then we can assume that inventory has…….
a. increased
b. decreased
c. not changed
9. When we test the importance of an assumption that we have made in a forecast, this action is called:
a. The first pass forecast
b. Spontaneous assets
c. Sensitivity analysis
d. Long range strategy
e. None of the above
10. Budgets tend to be relatively short-term in their scope while forecasts tend to be somewhat longer-term oriented.
a. True
b. False
11.Forecasts then to be more concerned with details than budgets>
a. True
b. False
12. The company will need to raise funds to finance its growth when EFN is:
a. positive
b. negative
c. zero
d. larger than ΔFA
e. none of the above
13. The EFN model ignores depreciation entirely.
...
[Insert Company Name]Investor Report Prepared by [Your Name]TatianaMajor22
[Insert Company Name]
Investor Report
Prepared by [Your Name]
Instructions: Replace all text in brackets with your own information.
1
Introduction
[Outline your company’s business and your vision for its future.]
2
Introduce the company and its business. What is your vision for the future of the business? What do you hope to achieve? Where do you see the company in five years or ten?
2
Purpose
[Explain the purpose of this report and what you hope to convey about the company and its financials.]
3
[What do you plan to communicate, and why should your investors pay attention? In other words, try to persuade your investors that the accounting information you are about to share is important.]
3
Methods and Approach
[Explain some management accounting methods and how your report and the data it represents adheres to industry standards and the AICPA code of ethics.]
4
[Explain some management accounting methods you used to determine your costing strategy, evaluate your financial information, etc., and explain how your methods of generating information adhere to industry standards and AICPA’s code of ethics. In other words, why should your investors trust that you are delivering accurate financial data and that your decision-making process has been ethical?]
4
Financial Strategy
5
5
Costing System
[Outline why the job order costing system works best for the business.]
6
[Explain in detail the use of job order costing for this business. Why is it suited for your business? Be sure to compare and contrast the various costing systems you learned about in this course as part of your defense.]
6
Selling Prices
[List the selling price you chose for each product.]
7
[Explain and defend the selling prices that you established for each product. Why did you choose these selling prices? Be sure to reference your cost-volume-profit analysis in your defense]
7
Contribution Margin
[Copy and paste your completed table from the “Contribution Margin Analysis” tab of your Project Workbook.]
8
[Share and explain your contribution margin per unit. How did you arrive at these numbers? Be sure to reference your cost-volume-profit analysis in your defense. ]
8
Target Profits
[Copy and paste the completed table from the “Break-Even Analysis” tab of your Project Workbook.]
9
[Specify the break-even points you determined for achieving different target profit levels. Then, explain and defend the target profits you selected for each area of your business. Be sure to reference your cost-volume-profit analysis in your defense.]
9
Financial Statements
10
10
Statement of Cost of Goods Sold
[Copy and paste your table from the “COGS” tab of your completed Project Workbook.]
11
[Compare the actual cost of goods sold over the last month and evaluate the company’s performance against the budgeted benchmarks. Are the numbers close to what you expected? Interpret the performance and explain what happened.]
11
Income Statement
[C ...
Sheet1Financial Statement Analysis Paper Rubric - CatrinaMissingA.docxedgar6wallace88877
Sheet1Financial Statement Analysis Paper Rubric - CatrinaMissing/AbsentBelow ExpectationAt expectationAbove expectationTotalContent & Development (99 points)0%50%75%100%PointsCOMMENTSAvailableA) Discuss the industry selectedPoints1) Company Description00.00Not addressed32) Provide description of industry that selected company is in00.00Not addressed33) Business sector-Manufacturing, Service or Retail & reason for your election0.00Not addressed3B) Locates the financial statements for the company selected over 2017 and 20161) Attached Income Statement & Balance Sheet as appendices to paper for your selected companies00.00financial statements not provided62) Prepares computation worksheet for two year ratio calculations to show how ratio solutions are arrived at for followinga) Current Ratio1.51.50Computation error & fail to compute related 2nd year-see solution sheet3b) Quick Ratio11.00Computation error & fail to compute related 2nd year-see solution sheet30.4166666667c) Debt to Total Assets Ratio1.41.40Computation error & fail to compute related 2nd year-see solution sheet30.6666666667d) Inventory Turnover11.00Computation error & fail to compute related 2nd year-see solution sheet3e) Receivable Days Sales Outstanding00.50.50Computation error & fail to compute related 2nd year-see solution sheet5f) Total Asset Turnover1.51.50Computation error & fail to compute related 2nd year-see solution sheet3g) Profit Margin (Net Margin) Ratio1.251.25Computation error & fail to compute related 2nd year-see solution sheet3h) Return on Asset Ratio1.251.25Computation error & fail to compute related 2nd year-see solution sheet30.003) Discuss trend for each ratio & What each tells you about the financial health of your companya) Current Ratio3.53.50Good description of ratio but no interpretation as well as the year-to year trend not mention5b) Quick Ratio3.753.75Good description of ratio but interpretation needs to be spported as well as with the year-to year trend5c) Debt to Total Assets Ratio3.53.50Good description of ratio but no interpretation as well as the year-to year trend not mention5d) Inventory Turnover00.00Incorrect description of ratio and interpretation as well as the year-to year trend not mention5e) Receivable Days Sales Outstanding3.53.50Good description of ratio but no interpretation as well as the year-to year trend not mention5f) Total Asset Turnover Ratio3.53.50Good description of ratio but no interpretation as well as the year-to year trend not mention5g) Profit Margin (Net Margin) Ratio03.53.50Good description of ratio but no interpretation as well as the year-to year trend not mention5h) Return on Asset Ratio3.53.50Good description of ratio but no interpretation as well as the year-to year trend not mention5D) Analyze Return on Asets (ROA) for the 2017 and 2016 using Dupont method (Show computation) & interpretation of different variables1) Profit Margin00.00Never addressed32) Assset Turnover00.00Never addressed33) Inte.
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...beulahfernandes8
The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
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Accounting assignment business decision 2
1. HI5001 Accounting for Business Decisions (T1, 2015)
Group Assignment (30% of Final Mark)
The assignment aims to develop an understanding of financial statements structure and their use
in decision-making. The task is to choose a publicly listed company from the Australian Stock
Exchange (ASX) which should be approved by your lecturer as not to have the same
companies from other groups and analyse the financial statements.
The assignment has two parts namely Part A (46 marks) & B (54 marks). This group project in
itself includes several assignments, each of which comprises a part of the students’ task.
However, it is well encouraged to include any additional information that students may think will
be useful in conducting financial statements analysis of the selected company.
General Rules and Requirements:
The report should be prepared by a group with a maximum of four (4) members. Reports must
be confined to 3,000 words (+/- 5%). For Part A, a title page, table of contents page (based on
your report headings), introduction, conclusion and references should be included. Font type
should be Arial (size 11), paragraph spacing should be 1.5. For part B, read and follow the
instructions mentioned.
The Safeassign maximum matching percentage allowed is 20%. If the group exceeds the
maximum, the assignment will get an automatic 50% deduction.
Note: Any additional material from external sources that you “copy and paste” into your report is
NOT included in the word limit. Also, ensure it is appropriately referenced.
PART A:
Part A1 (6 marks)
Provide an executive summary of your company’s background relating to business structure,
operations, services and all other business activities that are conducted, etc.
Part A2 (10 marks)
Use the annual report for the year ending 2013 & 2014. Your group will need to review the
major sections of this report in order to familiarize yourselves with the content of each of the
financial statements and appropriate notes to the financial statements.
Review the balance sheet of the company and indicate the amount of the following:
a) Total current assets
b) Total non-current assets
c) Total current liabilities
d) Total non-current liabilities
e) Total stockholder’s equity
Compare the above figures with the previous year and compute the percentage increase or
decrease and comment on the comparative financial condition of the company.
2. Part A3 (10 marks)
Review the income statement and indicate the following:
a) Total (operating) revenues
b) Cost of Goods Sold (if relevant)
c) Total expenses (before income taxes)
d) Any non-operating (or extraordinary) gains and losses
e) Earnings per common share
Compare the above figures with the previous year and compute the percentage increase or
decrease and comment on the comparative financial operation of the company.
Part A4 (10 marks)
Review the statement of cash flows for the most recent year and indicate the
following:
a) net cash inflow (outflow) from operating activities
b) net cash inflow (outflow) from financing activities
c) net cash inflow (outflow) from investing activities
d) net increase (decrease) in cash during the year
Analyse the Cash Flow Statements for the last 2 years and comment on the cash
position of the company.
Part A5 (10 marks)
Review the stockholders' equity section in your chosen company's most recent year-end
balance sheet and compare that with the previous year-end balance sheet. Compare percentage
increase or decrease.
List the stockholders' equity account balances and number of outstanding shares
from these two balance sheets and compute the increase or decrease for each
during this past year.
3. Part B Financial Ratios (54 marks)
a) Using the same Financial Statements of the company your group has chosen, determine
the profitability, activity, liquidity and leverage using all the ratios below. Use the end of
the year financial statements. (14 marks)
b) Give a 300 word analysis for each of the following:
I. Profitability (10 marks)
II. Activity (10 marks)
III. Liquidity (10 marks)
IV. Financing (10 marks)
Ratio Calculations
Ratio Numerator Denominator
A. Profitability ratios
a) Return on equity Operating profit after tax Shareholders’ equity
b) Return on assets Operating profit after tax Total assets
c) Profit margin Operating profit after tax Sales/Revenue
d) Cash flow to total assets Cash provided by operations Total assets
e) Price-to-earnings ratio Market price per share Earnings per share
B. Activity (turnover) ratios
a) Total assets turnover Sales Total assets
b) Debtors turnover Credit sales Average trade debtors
c) Days in debtors 365 Debtors turnover ratio
C. Liquidity ratios
a) Current (working capital) ratio Current assets Current liabilities
b) Quick ratio Cash + Accounts receivable + Current liabilities
Short-term investments
c) Interest coverage ratio Earnings before interest & tax Net interest expense
D. Financing ratios
a) Debt-to-equity ratio Total liabilities Total shareholders’ equity
b) Debt-to-assets ratio Total liabilities Total assets
c) Leverage ratio Total assets Total shareholders’ equity
Due Date:
Friday 29th May, 2015. Don’t forget to upload the softcopy to the Safeassign
both self-check and final submission, one per group. In the safeassign, please
identify the assignment by the student number. Do not upload more than one
copy. Attach the first page of the final safeassign report to the assignment
after the official cover page. The Lecturer will give the instructions where the
hard-copy should be submitted.