This document discusses the concept of the time value of money and compound interest. It provides formulas and examples for calculating the future and present value of cash flows using simple and compound interest. The key concepts covered include compound interest formulas, using interest tables to calculate future and present value, and the rule of 72 for approximating doubling time. Worked examples are provided to demonstrate calculating future and present value for single deposits, annuities, and loans.
This document provides an overview of chapter 3 from the textbook "Fundamentals of Financial Management, 13th edition" by Van Horne and Wachowicz. The chapter covers the time value of money, including compound and simple interest, present and future value calculations, and annuities. It introduces key concepts like interest rates, interest factor tables, and the time value adjustment of cash flows. Examples are provided to demonstrate calculations for single deposits, loans, and story problems involving multiple time periods. The chapter objectives are also listed to guide student learning.
This document is from Chapter 3 of the 13th edition of the textbook "Fundamentals of Financial Management" by Van Horne and Wachowicz. The chapter covers the time value of money, including compound interest, present and future value calculations, and annuities. It provides examples of calculations for single deposits, withdrawals, and streams of equal cash flows using formulas and interest tables. The chapter aims to explain how to value cash flows that occur at different points in time.
This document discusses the time value of money concept in finance. It defines key terms like present value, future value, simple interest, and compound interest. It provides formulas for calculating future value and present value of single deposits. Examples are given to demonstrate calculating interest using simple interest formulas versus compound interest formulas. Tables are presented to allow looking up interest factors instead of using formulas. The document also introduces the concepts of amortization schedules and using a financial calculator for time value of money problems.
ACG 2021 Final Assessment Short Answer. 8 points each.docxbobbywlane695641
ACG 2021 Final Assessment
Short Answer. 8 points each.
1. Why is the separation of duties an important control activity in a good system of internal control?
2. How is the account Allowance for Uncollectible Accounts presented in the financial statements, and what
purpose does this presentation serve?
3. What is goodwill and when may it be recorded?
4. A company enters into a contract to purchase a certain quantity of goods from another company during the
following month. At this point, would a liability exist? Explain why or why not.
5. When a bond sells at a premium, what is probably true about the market interest rate versus the face interest
rate? Discuss.
6. When a bond sells at a discount, what is probably true about the market interest versus the face interest rate?
Discuss.
Problems
1. Prepare in proper form the stockholders' equity section of the balance sheet from the following selected
accounts and balances taken from the adjusted trial balance of Cooper Corporation as of December 31, 20x5.
17 Points.
Partial Adjusted Trial Balance
Account Debit Credit
Common Stock—$10 par value, 200,000 shares authorized, 110,000
shares issued and outstanding 1,100,000
Preferred Stock—$100 par value, 9 percent cumulative, 40,000 shares
authorized, 8,000 shares issued and outstanding 800,000
Additional Paid-in Capital, Preferred 30,000
Additional Paid-in Capital, Common 800,000
Retained Earnings 180,000
2. The following 20x5 information relates to Taylor, Inc.: 8 points each.
Net Income $365,000
Depreciation Expense 96,000
Amortization of Intangible Assets 11,000
Beginning Accounts Receivable 420,000
Ending Accounts Receivable 439,000
Beginning Inventory 516,000
Ending Inventory 560,000
Beginning Prepaid Expenses 48,000
Ending Prepaid Expenses 42,000
Beginning Accounts Payable 119,000
Ending Accounts Payable 146,000
Purchase of Long-Term Assets for Cash 616,000
Cash from Issuance of Long-Term Debt 200,000
Issuance of Stock for Cash 160,000
Issuance of Stock for Long-Term Assets 110,000
Purchase of Treasury Stock 64,000
Sale of Long-Term Investment at Cost 39,000
a. Calculate the net cash flows from operating activities. Show your work.
b. Calculate the net cash flows from investing activities. Show your work.
c. Calculate the net cash flows from financing activities. Show your work.
d. Calculate the net change in cash. Show your work.
WRITING ASSIGNMENT / PROJECT
Topic: Time Value of Money
A. Write a 6 page paper on the subject.
Outline of a ‘research project’:
Section 1: Theory
In section 1 of your document, you should examine where, when, and by who your particular research topic was conceived and what it ‘looked’ like at that time. Your research should include the seminal work that laid the foundation for your topic.
Section 2: Present
In section 2 of your document, you should examine how t.
9780273713654_pp03b_time value of money.pptssuser9e852e1
The document discusses time value of money concepts like future value, present value, and ordinary annuities. It provides examples of using the FV, PV, and PVA Excel functions to calculate future and present values for single amounts as well as annuities. Story problems illustrate applying these concepts to scenarios like retirement savings. The document also discusses using the rule of 72 to approximate doubling periods for investments.
The document provides information about capital budgeting techniques discussed in Chapter 13. It includes step-by-step calculations of the payback period and internal rate of return for a proposed project at Basket Wonders. It determines the payback period is 3.3 years, which is less than the 3.5 year acceptance criterion. However, the internal rate of return of 11.57% is less than the hurdle rate of 13%, so the project would be rejected. The document also discusses the net present value approach and defines key capital budgeting terms and concepts.
This chapter discusses the valuation of long-term securities such as bonds, preferred stock, and common stock. It defines important valuation concepts and describes how to value different types of long-term securities, including bonds that pay periodic interest (coupon bonds) and those that do not (zero-coupon bonds). The chapter also covers adjusting bond valuations for semi-annual compounding of interest and provides examples of valuing perpetual bonds, coupon bonds, zero-coupon bonds, and preferred stock. Common stock valuation is also introduced.
This chapter discusses the valuation of long-term securities such as bonds, preferred stock, and common stock. It defines key valuation concepts and terms, and provides formulas and examples for valuing different types of bonds including coupon bonds, zero-coupon bonds, and perpetual bonds. It also covers preferred stock valuation using a perpetuity formula, and discusses that common stock valuation considers future dividends and potential sale proceeds.
This document provides an overview of chapter 3 from the textbook "Fundamentals of Financial Management, 13th edition" by Van Horne and Wachowicz. The chapter covers the time value of money, including compound and simple interest, present and future value calculations, and annuities. It introduces key concepts like interest rates, interest factor tables, and the time value adjustment of cash flows. Examples are provided to demonstrate calculations for single deposits, loans, and story problems involving multiple time periods. The chapter objectives are also listed to guide student learning.
This document is from Chapter 3 of the 13th edition of the textbook "Fundamentals of Financial Management" by Van Horne and Wachowicz. The chapter covers the time value of money, including compound interest, present and future value calculations, and annuities. It provides examples of calculations for single deposits, withdrawals, and streams of equal cash flows using formulas and interest tables. The chapter aims to explain how to value cash flows that occur at different points in time.
This document discusses the time value of money concept in finance. It defines key terms like present value, future value, simple interest, and compound interest. It provides formulas for calculating future value and present value of single deposits. Examples are given to demonstrate calculating interest using simple interest formulas versus compound interest formulas. Tables are presented to allow looking up interest factors instead of using formulas. The document also introduces the concepts of amortization schedules and using a financial calculator for time value of money problems.
ACG 2021 Final Assessment Short Answer. 8 points each.docxbobbywlane695641
ACG 2021 Final Assessment
Short Answer. 8 points each.
1. Why is the separation of duties an important control activity in a good system of internal control?
2. How is the account Allowance for Uncollectible Accounts presented in the financial statements, and what
purpose does this presentation serve?
3. What is goodwill and when may it be recorded?
4. A company enters into a contract to purchase a certain quantity of goods from another company during the
following month. At this point, would a liability exist? Explain why or why not.
5. When a bond sells at a premium, what is probably true about the market interest rate versus the face interest
rate? Discuss.
6. When a bond sells at a discount, what is probably true about the market interest versus the face interest rate?
Discuss.
Problems
1. Prepare in proper form the stockholders' equity section of the balance sheet from the following selected
accounts and balances taken from the adjusted trial balance of Cooper Corporation as of December 31, 20x5.
17 Points.
Partial Adjusted Trial Balance
Account Debit Credit
Common Stock—$10 par value, 200,000 shares authorized, 110,000
shares issued and outstanding 1,100,000
Preferred Stock—$100 par value, 9 percent cumulative, 40,000 shares
authorized, 8,000 shares issued and outstanding 800,000
Additional Paid-in Capital, Preferred 30,000
Additional Paid-in Capital, Common 800,000
Retained Earnings 180,000
2. The following 20x5 information relates to Taylor, Inc.: 8 points each.
Net Income $365,000
Depreciation Expense 96,000
Amortization of Intangible Assets 11,000
Beginning Accounts Receivable 420,000
Ending Accounts Receivable 439,000
Beginning Inventory 516,000
Ending Inventory 560,000
Beginning Prepaid Expenses 48,000
Ending Prepaid Expenses 42,000
Beginning Accounts Payable 119,000
Ending Accounts Payable 146,000
Purchase of Long-Term Assets for Cash 616,000
Cash from Issuance of Long-Term Debt 200,000
Issuance of Stock for Cash 160,000
Issuance of Stock for Long-Term Assets 110,000
Purchase of Treasury Stock 64,000
Sale of Long-Term Investment at Cost 39,000
a. Calculate the net cash flows from operating activities. Show your work.
b. Calculate the net cash flows from investing activities. Show your work.
c. Calculate the net cash flows from financing activities. Show your work.
d. Calculate the net change in cash. Show your work.
WRITING ASSIGNMENT / PROJECT
Topic: Time Value of Money
A. Write a 6 page paper on the subject.
Outline of a ‘research project’:
Section 1: Theory
In section 1 of your document, you should examine where, when, and by who your particular research topic was conceived and what it ‘looked’ like at that time. Your research should include the seminal work that laid the foundation for your topic.
Section 2: Present
In section 2 of your document, you should examine how t.
9780273713654_pp03b_time value of money.pptssuser9e852e1
The document discusses time value of money concepts like future value, present value, and ordinary annuities. It provides examples of using the FV, PV, and PVA Excel functions to calculate future and present values for single amounts as well as annuities. Story problems illustrate applying these concepts to scenarios like retirement savings. The document also discusses using the rule of 72 to approximate doubling periods for investments.
The document provides information about capital budgeting techniques discussed in Chapter 13. It includes step-by-step calculations of the payback period and internal rate of return for a proposed project at Basket Wonders. It determines the payback period is 3.3 years, which is less than the 3.5 year acceptance criterion. However, the internal rate of return of 11.57% is less than the hurdle rate of 13%, so the project would be rejected. The document also discusses the net present value approach and defines key capital budgeting terms and concepts.
This chapter discusses the valuation of long-term securities such as bonds, preferred stock, and common stock. It defines important valuation concepts and describes how to value different types of long-term securities, including bonds that pay periodic interest (coupon bonds) and those that do not (zero-coupon bonds). The chapter also covers adjusting bond valuations for semi-annual compounding of interest and provides examples of valuing perpetual bonds, coupon bonds, zero-coupon bonds, and preferred stock. Common stock valuation is also introduced.
This chapter discusses the valuation of long-term securities such as bonds, preferred stock, and common stock. It defines key valuation concepts and terms, and provides formulas and examples for valuing different types of bonds including coupon bonds, zero-coupon bonds, and perpetual bonds. It also covers preferred stock valuation using a perpetuity formula, and discusses that common stock valuation considers future dividends and potential sale proceeds.
1. The document discusses the concepts of time value of money, interest rates, and different types of interest including simple and compound interest.
2. It provides formulas for calculating future value and present value using simple and compound interest, and examples of applying these formulas.
3. The document also covers annuities, explaining the differences between ordinary annuities and annuities due. It provides formulas and examples for calculating future and present value of both types of annuities.
This document contains sections from the 13th edition of the textbook "Fundamentals of Financial Management" by Van Horne and Wachowicz. It discusses key concepts related to risk and return such as defining return, determining expected return and standard deviation, risk attitudes like risk aversion, and the Capital Asset Pricing Model (CAPM). The CAPM holds that a security's expected return is determined by its risk profile as measured by beta in relation to the market portfolio's risk and return. Examples are provided to illustrate return, risk, and CAPM calculations.
This document summarizes key concepts from Chapter 16 of the textbook "Fundamentals of Financial Management, 13th edition" by Van Horne and Wachowicz. The chapter covers operating leverage and financial leverage. It defines operating leverage as the use of fixed operating costs and financial leverage as the use of fixed financing costs like interest expenses. It discusses how operating and financial leverage can impact a firm's profits and risk. Formulas are provided for calculating break-even points, degrees of operating and financial leverage, and total leverage. Graphs and examples are presented to illustrate these concepts. The chapter aims to help readers understand how operating and financial decisions interact to impact risk and profitability.
Chapter 2 introduction to valuation - the time value of moneyKEOVEASNA5
This document provides an introduction to the time value of money concepts of future value, present value, interest rates, and compounding. It defines key terms and formulas. Several examples are provided to illustrate how to use the future value and present value formulas to calculate future or present values when given other relevant information such as principal, interest rate, and time period. The effects of compounding versus simple interest are demonstrated. The relationships between present/future values and interest rates/time periods are discussed. Methods for calculating implied interest rates and time periods are also presented.
This document discusses the time value of money and compound interest. It begins by explaining key concepts like present value, future value, and compound interest formulas. Examples are provided to demonstrate how to calculate future and present value for single deposits and using interest tables. The document also covers annuities, different types of interest (simple vs. compound), and using a financial calculator to solve time value of money problems. The goal is to understand how to adjust cash flows over time using interest rates.
The document discusses the time value of money, which refers to the concept that money received today is worth more than the same amount in the future due to its potential to earn interest. It provides formulas for calculating future value, present value, simple interest, compound interest, annuities, and perpetuities. Examples are given to demonstrate how to use the formulas to calculate things like interest earned, future values, and present values under different interest rates and time periods.
This document provides an overview of the time value of money concepts. It defines key terms like present value, future value, and annuities. It explains the differences between simple and compound interest and how to calculate future and present value for single deposits and streams of cash flows. The document also demonstrates how to use interest tables and financial calculators to solve time value of money problems. Overall, the document serves as an introduction to fundamental time value of money and interest rate concepts.
Here are the steps to solve this problem:
FV = PV(1 + r/n)nt
FV = $4,000(1 + 0.09)11
FV = $4,000(2.1435)
FV = $8,574
The future value of $4,000 invested for 11 years at 9% compounded annually is $8,574.
This document summarizes Chapter 15 from the 13th edition of the textbook "Fundamentals of Financial Management" by Van Horne and Wachowicz. The chapter covers required returns and the cost of capital. It defines key terms like weighted average cost of capital (WACC) and explains how to calculate costs of different sources of financing like debt, preferred stock, and equity. Methods for determining the cost of equity like the dividend discount model, capital asset pricing model, and before-tax cost of debt plus risk premium approach are outlined. The chapter also discusses how the cost of capital is used to evaluate projects and determine required rates of return.
The document summarizes key concepts related to time value of money including:
1) Money today is worth more than money in the future due to factors like interest rates and inflation.
2) Compound interest means interest is earned on both the principal amount and any previous interest earned.
3) Present value calculations determine the current worth of future cash flows while future value calculates the future worth of present cash flows.
4) Annuities represent a stream of regular payments and their present and future values can be calculated using standard formulas.
Financial Management Business Enviroments Chapter Two .pptssuser0f06781
This document summarizes key concepts from Chapter 2 of the textbook "Fundamentals of Financial Management" by Van Horne and Wachowicz. It discusses the business, tax, and financial environments that corporations operate within. Specifically, it describes the four basic forms of business organization in the US (sole proprietorships, partnerships, corporations, LLCs), how corporate taxes are calculated, methods of depreciation, and how debt financing provides a tax advantage over equity financing. It also provides an overview of financial markets, how funds flow through the economy, and how risk and expected returns relate for different types of securities.
The document discusses net present value calculations for various cash flow scenarios over multiple time periods, including:
- One-period and multi-period future value, present value, and net present value calculations
- Growing perpetuities, annuities, and growing annuities
- Effective annual interest rates and calculations for different compounding periods
- Examples of valuing cash flows using time value of money formulas and financial calculators
This document contains class notes that review fundamentals of valuation, including time value of money concepts like future value, present value, and rates of return. It provides examples of calculating single sums, future values, present values, and rates of return using formulas. It also discusses compounding periods and continuous compounding. The notes conclude with practice problems for calculating present and future values of single sums.
Time value of money approaches in the financial managementHabibullah Qayumi
The document discusses the time value of money concept. It explains that money received sooner rather than later allows one to use the funds for investment or consumption purposes. A dollar today is worth more than a dollar tomorrow because it can earn interest if invested. The time value of money depends on interest rates and the number of time periods. Formulas for simple and compound interest, future value, present value, and interest rates are provided. Examples are given to illustrate how to calculate future and present values using the time value of money formulas.
The document discusses the time value of money concepts of future value and present value for single sums and annuities. It provides examples of calculating future value and present value for single cash flows using formulas and a financial calculator. It also discusses the differences between ordinary annuities, where cash flows occur at the end of periods, and annuity dues, where cash flows occur at the beginning of periods.
The document discusses time value of money concepts including future value, present value, annuities, effective annual rate, and compound interest. It provides examples of calculating future value, present value, and annuities using time value of money formulas. Spreadsheet functions for solving time value problems are also introduced.
The document provides an overview of key concepts related to the time value of money, including compound and simple interest, present and future value calculations, and annuities. It outlines learning objectives, defines key terms, shows examples of calculations, and provides guidance on using formulas and tables to solve time value of money problems for single deposits, annuities, and other scenarios.
This document discusses the time value of money concepts of simple and compound interest, present and future value, and annuities. It provides formulas and examples for calculating future and present value of single deposits using tables or calculators. It also covers calculating the future value of annuities and using annuity tables. Key concepts covered include compound interest earning interest on interest, and the higher growth it provides over time compared to simple interest.
Anny Serafina Love - Letter of Recommendation by Kellen Harkins, MS.AnnySerafinaLove
This letter, written by Kellen Harkins, Course Director at Full Sail University, commends Anny Love's exemplary performance in the Video Sharing Platforms class. It highlights her dedication, willingness to challenge herself, and exceptional skills in production, editing, and marketing across various video platforms like YouTube, TikTok, and Instagram.
Building Your Employer Brand with Social MediaLuanWise
Presented at The Global HR Summit, 6th June 2024
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1. The document discusses the concepts of time value of money, interest rates, and different types of interest including simple and compound interest.
2. It provides formulas for calculating future value and present value using simple and compound interest, and examples of applying these formulas.
3. The document also covers annuities, explaining the differences between ordinary annuities and annuities due. It provides formulas and examples for calculating future and present value of both types of annuities.
This document contains sections from the 13th edition of the textbook "Fundamentals of Financial Management" by Van Horne and Wachowicz. It discusses key concepts related to risk and return such as defining return, determining expected return and standard deviation, risk attitudes like risk aversion, and the Capital Asset Pricing Model (CAPM). The CAPM holds that a security's expected return is determined by its risk profile as measured by beta in relation to the market portfolio's risk and return. Examples are provided to illustrate return, risk, and CAPM calculations.
This document summarizes key concepts from Chapter 16 of the textbook "Fundamentals of Financial Management, 13th edition" by Van Horne and Wachowicz. The chapter covers operating leverage and financial leverage. It defines operating leverage as the use of fixed operating costs and financial leverage as the use of fixed financing costs like interest expenses. It discusses how operating and financial leverage can impact a firm's profits and risk. Formulas are provided for calculating break-even points, degrees of operating and financial leverage, and total leverage. Graphs and examples are presented to illustrate these concepts. The chapter aims to help readers understand how operating and financial decisions interact to impact risk and profitability.
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This document discusses the time value of money and compound interest. It begins by explaining key concepts like present value, future value, and compound interest formulas. Examples are provided to demonstrate how to calculate future and present value for single deposits and using interest tables. The document also covers annuities, different types of interest (simple vs. compound), and using a financial calculator to solve time value of money problems. The goal is to understand how to adjust cash flows over time using interest rates.
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This document provides an overview of the time value of money concepts. It defines key terms like present value, future value, and annuities. It explains the differences between simple and compound interest and how to calculate future and present value for single deposits and streams of cash flows. The document also demonstrates how to use interest tables and financial calculators to solve time value of money problems. Overall, the document serves as an introduction to fundamental time value of money and interest rate concepts.
Here are the steps to solve this problem:
FV = PV(1 + r/n)nt
FV = $4,000(1 + 0.09)11
FV = $4,000(2.1435)
FV = $8,574
The future value of $4,000 invested for 11 years at 9% compounded annually is $8,574.
This document summarizes Chapter 15 from the 13th edition of the textbook "Fundamentals of Financial Management" by Van Horne and Wachowicz. The chapter covers required returns and the cost of capital. It defines key terms like weighted average cost of capital (WACC) and explains how to calculate costs of different sources of financing like debt, preferred stock, and equity. Methods for determining the cost of equity like the dividend discount model, capital asset pricing model, and before-tax cost of debt plus risk premium approach are outlined. The chapter also discusses how the cost of capital is used to evaluate projects and determine required rates of return.
The document summarizes key concepts related to time value of money including:
1) Money today is worth more than money in the future due to factors like interest rates and inflation.
2) Compound interest means interest is earned on both the principal amount and any previous interest earned.
3) Present value calculations determine the current worth of future cash flows while future value calculates the future worth of present cash flows.
4) Annuities represent a stream of regular payments and their present and future values can be calculated using standard formulas.
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This document summarizes key concepts from Chapter 2 of the textbook "Fundamentals of Financial Management" by Van Horne and Wachowicz. It discusses the business, tax, and financial environments that corporations operate within. Specifically, it describes the four basic forms of business organization in the US (sole proprietorships, partnerships, corporations, LLCs), how corporate taxes are calculated, methods of depreciation, and how debt financing provides a tax advantage over equity financing. It also provides an overview of financial markets, how funds flow through the economy, and how risk and expected returns relate for different types of securities.
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This document contains class notes that review fundamentals of valuation, including time value of money concepts like future value, present value, and rates of return. It provides examples of calculating single sums, future values, present values, and rates of return using formulas. It also discusses compounding periods and continuous compounding. The notes conclude with practice problems for calculating present and future values of single sums.
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The document discusses the time value of money concepts of future value and present value for single sums and annuities. It provides examples of calculating future value and present value for single cash flows using formulas and a financial calculator. It also discusses the differences between ordinary annuities, where cash flows occur at the end of periods, and annuity dues, where cash flows occur at the beginning of periods.
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[To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
This presentation is a curated compilation of PowerPoint diagrams and templates designed to illustrate 20 different digital transformation frameworks and models. These frameworks are based on recent industry trends and best practices, ensuring that the content remains relevant and up-to-date.
Key highlights include Microsoft's Digital Transformation Framework, which focuses on driving innovation and efficiency, and McKinsey's Ten Guiding Principles, which provide strategic insights for successful digital transformation. Additionally, Forrester's framework emphasizes enhancing customer experiences and modernizing IT infrastructure, while IDC's MaturityScape helps assess and develop organizational digital maturity. MIT's framework explores cutting-edge strategies for achieving digital success.
These materials are perfect for enhancing your business or classroom presentations, offering visual aids to supplement your insights. Please note that while comprehensive, these slides are intended as supplementary resources and may not be complete for standalone instructional purposes.
Frameworks/Models included:
Microsoft’s Digital Transformation Framework
McKinsey’s Ten Guiding Principles of Digital Transformation
Forrester’s Digital Transformation Framework
IDC’s Digital Transformation MaturityScape
MIT’s Digital Transformation Framework
Gartner’s Digital Transformation Framework
Accenture’s Digital Strategy & Enterprise Frameworks
Deloitte’s Digital Industrial Transformation Framework
Capgemini’s Digital Transformation Framework
PwC’s Digital Transformation Framework
Cisco’s Digital Transformation Framework
Cognizant’s Digital Transformation Framework
DXC Technology’s Digital Transformation Framework
The BCG Strategy Palette
McKinsey’s Digital Transformation Framework
Digital Transformation Compass
Four Levels of Digital Maturity
Design Thinking Framework
Business Model Canvas
Customer Journey Map
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