Sermon Slide Deck: "Do Not Be Anxious About Your Life" (Luke 12:22-31)New City Church
Life is about what kingdom you seek every day of the week.
This message was given on December 27, 2015 at New City Church in Calgary by Pastor John Ferguson. For more info, please visit: www.newcitychurch.ca.
The document lists 5 benefits of abiding in Christ according to several Bible verses:
1. Spiritual fruitfulness (John 15:5)
2. Answered prayer (John 15:7)
3. Peace in times of trouble (John 16:33)
4. New life (2 Corinthians 5:17)
5. God's righteousness rather than human righteousness (Philippians 3:9)
This document provides commentary on Matthew 4:1-11, which describes Jesus being led by the Spirit into the wilderness to be tempted by the devil. The commentators discuss:
- Jesus was led by the Spirit into the wilderness immediately after his baptism to be tested before beginning his ministry.
- The wilderness provided isolation and few resources, giving the devil advantages in tempting Jesus.
- Jesus fasted for 40 days, following the examples of Moses and Elijah and further preparing himself physically and spiritually for the temptation.
The document discusses the importance of giving thanks according to both scripture and scientific research. It provides numerous bible verses that encourage thankfulness and giving thanks to God. It also summarizes research showing that grateful people are happier and healthier, with higher levels of positive emotions, life satisfaction, and lower stress. While most thanks should go to God, the document also notes that people should be thankful for others who help them. Overall, the document promotes developing an attitude of gratitude through both religious scripture and scientific findings on the benefits of thankfulness.
A Prize Worthy of the Race - Phil. 3:2-14David Turner
Salvation is just the beginning. Every believer enters a race. No man's race is the same. God has a special event designed for each of us. Paul gives us instructions on how to run our race. Download PowerPoint at BibleGuy.org
Sermon Slide Deck: "Do Not Be Anxious About Your Life" (Luke 12:22-31)New City Church
Life is about what kingdom you seek every day of the week.
This message was given on December 27, 2015 at New City Church in Calgary by Pastor John Ferguson. For more info, please visit: www.newcitychurch.ca.
The document lists 5 benefits of abiding in Christ according to several Bible verses:
1. Spiritual fruitfulness (John 15:5)
2. Answered prayer (John 15:7)
3. Peace in times of trouble (John 16:33)
4. New life (2 Corinthians 5:17)
5. God's righteousness rather than human righteousness (Philippians 3:9)
This document provides commentary on Matthew 4:1-11, which describes Jesus being led by the Spirit into the wilderness to be tempted by the devil. The commentators discuss:
- Jesus was led by the Spirit into the wilderness immediately after his baptism to be tested before beginning his ministry.
- The wilderness provided isolation and few resources, giving the devil advantages in tempting Jesus.
- Jesus fasted for 40 days, following the examples of Moses and Elijah and further preparing himself physically and spiritually for the temptation.
The document discusses the importance of giving thanks according to both scripture and scientific research. It provides numerous bible verses that encourage thankfulness and giving thanks to God. It also summarizes research showing that grateful people are happier and healthier, with higher levels of positive emotions, life satisfaction, and lower stress. While most thanks should go to God, the document also notes that people should be thankful for others who help them. Overall, the document promotes developing an attitude of gratitude through both religious scripture and scientific findings on the benefits of thankfulness.
A Prize Worthy of the Race - Phil. 3:2-14David Turner
Salvation is just the beginning. Every believer enters a race. No man's race is the same. God has a special event designed for each of us. Paul gives us instructions on how to run our race. Download PowerPoint at BibleGuy.org
If you have attended a Christian church for any length of time how has your life measurably improved? What have you learned about God, the world and yourself that you most likely would not have known apart from attending? What part does the Bible have in your Christian experience and growth? The epistle of James is a practical pedagogy, written to persecuted Messianic Jews, highly relevant to today's Christians.
“Gabriela Silang”
• She was forced by his father to marry a rich old man (Don Thomas Millian) who died shortly after the wedding leaving his wealth to his young widow.
• Diego Silang- A young dashing mail carrier between Vigan and Manila. The second husband of Gabriela although unblessed by child.
• Well known for her pious and charitable character.
• September 1762 the raging seven years war in Europe reached the Philippine shore.
• September 22, 1762 the British enter Manila Bay.
• September 24, 1762 the siege of Manila.
• October 5, 1762British captured Manila.
• December 14, 1762Independence of free Ilocos and the capital is Vigan.
• May 28, 1763 Miguel Vicos assassinated Diego Silang.
• Nicolas CariñoDiego Silang’s uncle
• They were driven out of Vigan by the superior forces of Spain, she retreated with the remnants of her lamented husband’s army to Pidigan which was later became the capital of free Ilocos.
• She received more freedom fighters and tried to recapture Vigan.
• Launched Guerillas attacks on the Spanish garrisons on the coastal towns.
• On last week of August 1763 Gabriela Silang together with her 200 men attack the 6000 army of Spain.
• On first week of September 1763 Mrs. Silang marched towards Vigan.
• She personally led the second attack after Nicolas Cariño died on the battle.
• They had captured by the Spanish and the brave men where hung one by one along the coastline and Gabriela Silang was brought to Vigan where she was hung publicly on September 20, 1763.
“Joan of Arc”
• In 1428 Joan listened to marriage plans being worked out by her parents.
• In December 1428 Joan went to Vancoulers to help his uncle’s wife and their new baby.
• Durrand Lassois- Joan’s uncle.
• She heard voices of Archangel MIchael, Saint Catherine, and Saint Margaret. by their time only witches heard voices.
• She go to the King of France and help him reconquer his kingdom. By that time the English King was after the throne of France and the Duke of Burgundy was siding with him.
• May 8, 1429 The siege of Orleans.
• Robert de Baudricot granted her an escort to visit Chinon in male disguise.
• Charles VII was impressed with her.
• Yolande of Aragon Charles mother-in-law was financing a relief expedition that time.
• She then enjoyed a series of spectacular military successes, during which the King was able to enter Rheims and be crowned at her side.
• May 1430 She was captured by the Burgundians and sold to the English while she was attempting to relieve Compiegne.
• A skirmish on May 23, 1430 led to her capture when her forces attempted to attack the Burgundians camp at Margny. When she orderd a retreat into the nearby fortifications of Compiegne after the advance of an additional force of 6,000 Burgundians she assumed the place of honor as the last to live in the field.
• Burgundians surrounded the rear guard and she was unhorsed by an archer and initially refused to surrender.
There are 5 main parts to the Catholic mass: 1) Introductory Rites which include entrance hymns, greetings, and opening prayers; 2) Liturgy of the Word involving scripture readings and a homily; 3) Liturgy of the Eucharist where the bread and wine are consecrated and become the body and blood of Christ; 4) Communion Rite during which communion is received; and 5) Concluding Rite with final blessings and dismissal. Each part involves traditional rituals and prayers that make up the overall structure and meaning of the mass.
This document discusses why we should seek God's presence and how to enter and enjoy His presence. It explains that God's presence brings joy, anointing, power, healing, restoration, and transformation. It also says God is happy when we worship Him. The document then outlines ways to enter God's presence, such as recognizing His omnipresence, coming boldly through Jesus' blood, remembering what He has done, entering with thanksgiving and praise, and being still to meditate on His beauty. The conclusion is that seeking God's presence is important because He created us for intimacy with Him.
Paul wrote this letter to the Philippians to express his appreciation for their care and support of him while he was imprisoned. He discusses his joy even in difficult circumstances, and encourages the Philippians to stand firm in their faith and to support one another through humility, unity, and thankfulness. Paul provides examples from Jesus Christ, Timothy, and Epaphroditus to emphasize living honorably and serving others. He advises thinking on virtues and finding contentment through giving thanks to God, who provides for all needs.
God has called us to be His own "unique", "special", "peculiar" people. We are to be different! So Christians need to "Dare to be Different" in this post-modern culture that disregards God.
Psalm 146 calls believers to continually praise God and trust in Him alone for salvation and help. It describes God as the faithful creator and sustainer of all things who cares for the oppressed, hungry, prisoners, blind, bowed down, foreigners, fatherless, and widows, but frustrates the wicked. The psalm concludes by emphasizing that God reigns forever as Zion's God for all generations, repeating the call to praise Him.
Rahab the prostitute heard of the Israelites' victories and came to fear their God. Though initially only hearing of God's power, Rahab came to profess faith by claiming God rules heaven and earth. Her faith was shown through actions - hiding the Israelite spies and helping them escape, despite risk to herself. Rahab was spared when Jericho fell due to her faith expressed through works in protecting the spies.
James asks a question that has divided churches and denominations, “What does it profit if someone says they have faith but does not have works?” What is your answer? Is faith without works of any value? Can works without faith bring salvation? Should someone believe they are a Christian simply because they "accepted Christ" or were baptized?
1. The document discusses balancing the five purposes in life that God intends for people: loving God, loving others, sharing God's message, being part of God's family, and becoming like Christ.
2. It recommends four things to achieve balance: discussing progress with a spiritual partner or group, regularly evaluating one's spiritual growth, keeping a journal, and passing knowledge on to others.
3. The ultimate goal of balance is to bring glory to God by continuing his work of helping people know and love him, and helping them mature and find their place of service.
This document discusses the importance and history of the Bible. It notes that the Bible was written by over 40 authors over thousands of years, yet maintains a consistent message. It describes how the Bible was meticulously copied by hand for many years before the invention of the printing press. Key figures like Martin Luther, William Tyndale, and William Carey worked to translate the Bible into common languages so that more people could access it, facing opposition from the Catholic Church. The document outlines the process of translating the Bible into many world languages to make it accessible to all people.
Sermon Slide Deck: "Life is Short..." (Luke 13:1-9)New City Church
There may be no more important time to turn to God than when things are going well in your life.
This message was given on May 1, 2016 at New City Church in Caglary by Pastor John Ferguson. For more info, please visit: www.newcitychurch.ca
The document discusses the different crowns that believers can receive as rewards from God. It explains that there are five crowns promised: the crown of righteousness, the crown of rejoicing, the crown of glory, the crown of life, and the incorruptible crown. These crowns will be given by Jesus Christ to believers who faithfully serve Him through running the race of life, fighting the good fight of faith, shepherding God's flock, remaining faithful unto death, and overcoming trials through faith. The crowns will be awarded to believers at the Judgment Seat of Christ after the rapture as rewards for their good works and spiritual victories during their lifetime on earth.
1) God promises Abram that his descendants will possess the land of Canaan, from the river of Egypt to the Euphrates river.
2) God initiates a covenant with Abram, instructing him to bring various animal sacrifices. As the animals are cut in half, a smoking firepot and flaming torch pass between the pieces, symbolizing God's commitment to the covenant.
3) God reveals that Abram's descendants will be slaves for 400 years but will later leave with great possessions. God also promises that Abram will live to a good old age and be buried peacefully.
Let me ask you this question, “what is true love?” Or let me rephrase the question: have you experienced true love?” Singles love to talk about this four-letter word but on a serious note – there is more to life than a relationship. I want you to know and experience what True Life is. A life that experiences True Love only through one person.
There is someone tugging in your heart, telling you – “are you looking for true love? Look at me.” Perfect love can only be known and experienced through one person. Satisfaction and completeness can only be found in the Lord.
In Luke 15:11-32, we’ll find the parable called “the parable of the prodigal son.” But what is a parable? Based on Wiki – a parable is a succinct, didactic story, in prose or verse, which illustrates one or more instructive lessons or principles. It differs from a fable in that fables employ animals, plants, inanimate objects, or forces of nature as characters, whereas parables have human characters.
A parable is a type of analogy. Or simply put, a parable is a simple story used to illustrate a moral or spiritual lesson.
Jesus frequently used parables as a means of illustrating a lesson. Such stories help provide rich symbolism to the lessons he wanted to teach
This document discusses the importance and benefits of Christian fellowship. It states that fellowship allows believers to strengthen one another, encourage one another, share experiences, manifest joys, weep with those who weep, enlighten one another with God's word, and exhort backsliders. The results of fellowship include learning to walk in the light, suffer together, serve together, comfort one another, pray for one another, bear one another's burdens, rejoice with the joyful, and grow closer to God. Fellowship is an important part of Christian growth.
The document provides tips and advice for smarter money management and credit health. It discusses checking specialty reports, avoiding debt elimination scams, using a debt repayment plan called Power Pay, factors to consider with rewards credit cards, understanding credit scoring systems, risks of skipping payments, understanding identity theft risks, benefits of retirement investing over mortgage prepayment, online coupon resources, a utility bill savings program, and a fuel efficiency website.
This document analyzes the financial performance and profitability of wholesale greenhouse operations based on data from nearly 50 operations over 5 years. The key points are:
1. Median net profit margins were very low, ranging from 1.06-3.5% of sales, indicating thin margins across the industry.
2. Cash flow was also low, with median EBITDA less than 10% of sales and not enough cash left over after operations and debt payments to fund needs.
3. Continued low margins are putting pressure on liquidity and balance sheets, though debt ratios have improved due to cautious spending.
4. Greenhouse operations need to improve margins to around 5% to generate sufficient cash flows
If you have attended a Christian church for any length of time how has your life measurably improved? What have you learned about God, the world and yourself that you most likely would not have known apart from attending? What part does the Bible have in your Christian experience and growth? The epistle of James is a practical pedagogy, written to persecuted Messianic Jews, highly relevant to today's Christians.
“Gabriela Silang”
• She was forced by his father to marry a rich old man (Don Thomas Millian) who died shortly after the wedding leaving his wealth to his young widow.
• Diego Silang- A young dashing mail carrier between Vigan and Manila. The second husband of Gabriela although unblessed by child.
• Well known for her pious and charitable character.
• September 1762 the raging seven years war in Europe reached the Philippine shore.
• September 22, 1762 the British enter Manila Bay.
• September 24, 1762 the siege of Manila.
• October 5, 1762British captured Manila.
• December 14, 1762Independence of free Ilocos and the capital is Vigan.
• May 28, 1763 Miguel Vicos assassinated Diego Silang.
• Nicolas CariñoDiego Silang’s uncle
• They were driven out of Vigan by the superior forces of Spain, she retreated with the remnants of her lamented husband’s army to Pidigan which was later became the capital of free Ilocos.
• She received more freedom fighters and tried to recapture Vigan.
• Launched Guerillas attacks on the Spanish garrisons on the coastal towns.
• On last week of August 1763 Gabriela Silang together with her 200 men attack the 6000 army of Spain.
• On first week of September 1763 Mrs. Silang marched towards Vigan.
• She personally led the second attack after Nicolas Cariño died on the battle.
• They had captured by the Spanish and the brave men where hung one by one along the coastline and Gabriela Silang was brought to Vigan where she was hung publicly on September 20, 1763.
“Joan of Arc”
• In 1428 Joan listened to marriage plans being worked out by her parents.
• In December 1428 Joan went to Vancoulers to help his uncle’s wife and their new baby.
• Durrand Lassois- Joan’s uncle.
• She heard voices of Archangel MIchael, Saint Catherine, and Saint Margaret. by their time only witches heard voices.
• She go to the King of France and help him reconquer his kingdom. By that time the English King was after the throne of France and the Duke of Burgundy was siding with him.
• May 8, 1429 The siege of Orleans.
• Robert de Baudricot granted her an escort to visit Chinon in male disguise.
• Charles VII was impressed with her.
• Yolande of Aragon Charles mother-in-law was financing a relief expedition that time.
• She then enjoyed a series of spectacular military successes, during which the King was able to enter Rheims and be crowned at her side.
• May 1430 She was captured by the Burgundians and sold to the English while she was attempting to relieve Compiegne.
• A skirmish on May 23, 1430 led to her capture when her forces attempted to attack the Burgundians camp at Margny. When she orderd a retreat into the nearby fortifications of Compiegne after the advance of an additional force of 6,000 Burgundians she assumed the place of honor as the last to live in the field.
• Burgundians surrounded the rear guard and she was unhorsed by an archer and initially refused to surrender.
There are 5 main parts to the Catholic mass: 1) Introductory Rites which include entrance hymns, greetings, and opening prayers; 2) Liturgy of the Word involving scripture readings and a homily; 3) Liturgy of the Eucharist where the bread and wine are consecrated and become the body and blood of Christ; 4) Communion Rite during which communion is received; and 5) Concluding Rite with final blessings and dismissal. Each part involves traditional rituals and prayers that make up the overall structure and meaning of the mass.
This document discusses why we should seek God's presence and how to enter and enjoy His presence. It explains that God's presence brings joy, anointing, power, healing, restoration, and transformation. It also says God is happy when we worship Him. The document then outlines ways to enter God's presence, such as recognizing His omnipresence, coming boldly through Jesus' blood, remembering what He has done, entering with thanksgiving and praise, and being still to meditate on His beauty. The conclusion is that seeking God's presence is important because He created us for intimacy with Him.
Paul wrote this letter to the Philippians to express his appreciation for their care and support of him while he was imprisoned. He discusses his joy even in difficult circumstances, and encourages the Philippians to stand firm in their faith and to support one another through humility, unity, and thankfulness. Paul provides examples from Jesus Christ, Timothy, and Epaphroditus to emphasize living honorably and serving others. He advises thinking on virtues and finding contentment through giving thanks to God, who provides for all needs.
God has called us to be His own "unique", "special", "peculiar" people. We are to be different! So Christians need to "Dare to be Different" in this post-modern culture that disregards God.
Psalm 146 calls believers to continually praise God and trust in Him alone for salvation and help. It describes God as the faithful creator and sustainer of all things who cares for the oppressed, hungry, prisoners, blind, bowed down, foreigners, fatherless, and widows, but frustrates the wicked. The psalm concludes by emphasizing that God reigns forever as Zion's God for all generations, repeating the call to praise Him.
Rahab the prostitute heard of the Israelites' victories and came to fear their God. Though initially only hearing of God's power, Rahab came to profess faith by claiming God rules heaven and earth. Her faith was shown through actions - hiding the Israelite spies and helping them escape, despite risk to herself. Rahab was spared when Jericho fell due to her faith expressed through works in protecting the spies.
James asks a question that has divided churches and denominations, “What does it profit if someone says they have faith but does not have works?” What is your answer? Is faith without works of any value? Can works without faith bring salvation? Should someone believe they are a Christian simply because they "accepted Christ" or were baptized?
1. The document discusses balancing the five purposes in life that God intends for people: loving God, loving others, sharing God's message, being part of God's family, and becoming like Christ.
2. It recommends four things to achieve balance: discussing progress with a spiritual partner or group, regularly evaluating one's spiritual growth, keeping a journal, and passing knowledge on to others.
3. The ultimate goal of balance is to bring glory to God by continuing his work of helping people know and love him, and helping them mature and find their place of service.
This document discusses the importance and history of the Bible. It notes that the Bible was written by over 40 authors over thousands of years, yet maintains a consistent message. It describes how the Bible was meticulously copied by hand for many years before the invention of the printing press. Key figures like Martin Luther, William Tyndale, and William Carey worked to translate the Bible into common languages so that more people could access it, facing opposition from the Catholic Church. The document outlines the process of translating the Bible into many world languages to make it accessible to all people.
Sermon Slide Deck: "Life is Short..." (Luke 13:1-9)New City Church
There may be no more important time to turn to God than when things are going well in your life.
This message was given on May 1, 2016 at New City Church in Caglary by Pastor John Ferguson. For more info, please visit: www.newcitychurch.ca
The document discusses the different crowns that believers can receive as rewards from God. It explains that there are five crowns promised: the crown of righteousness, the crown of rejoicing, the crown of glory, the crown of life, and the incorruptible crown. These crowns will be given by Jesus Christ to believers who faithfully serve Him through running the race of life, fighting the good fight of faith, shepherding God's flock, remaining faithful unto death, and overcoming trials through faith. The crowns will be awarded to believers at the Judgment Seat of Christ after the rapture as rewards for their good works and spiritual victories during their lifetime on earth.
1) God promises Abram that his descendants will possess the land of Canaan, from the river of Egypt to the Euphrates river.
2) God initiates a covenant with Abram, instructing him to bring various animal sacrifices. As the animals are cut in half, a smoking firepot and flaming torch pass between the pieces, symbolizing God's commitment to the covenant.
3) God reveals that Abram's descendants will be slaves for 400 years but will later leave with great possessions. God also promises that Abram will live to a good old age and be buried peacefully.
Let me ask you this question, “what is true love?” Or let me rephrase the question: have you experienced true love?” Singles love to talk about this four-letter word but on a serious note – there is more to life than a relationship. I want you to know and experience what True Life is. A life that experiences True Love only through one person.
There is someone tugging in your heart, telling you – “are you looking for true love? Look at me.” Perfect love can only be known and experienced through one person. Satisfaction and completeness can only be found in the Lord.
In Luke 15:11-32, we’ll find the parable called “the parable of the prodigal son.” But what is a parable? Based on Wiki – a parable is a succinct, didactic story, in prose or verse, which illustrates one or more instructive lessons or principles. It differs from a fable in that fables employ animals, plants, inanimate objects, or forces of nature as characters, whereas parables have human characters.
A parable is a type of analogy. Or simply put, a parable is a simple story used to illustrate a moral or spiritual lesson.
Jesus frequently used parables as a means of illustrating a lesson. Such stories help provide rich symbolism to the lessons he wanted to teach
This document discusses the importance and benefits of Christian fellowship. It states that fellowship allows believers to strengthen one another, encourage one another, share experiences, manifest joys, weep with those who weep, enlighten one another with God's word, and exhort backsliders. The results of fellowship include learning to walk in the light, suffer together, serve together, comfort one another, pray for one another, bear one another's burdens, rejoice with the joyful, and grow closer to God. Fellowship is an important part of Christian growth.
The document provides tips and advice for smarter money management and credit health. It discusses checking specialty reports, avoiding debt elimination scams, using a debt repayment plan called Power Pay, factors to consider with rewards credit cards, understanding credit scoring systems, risks of skipping payments, understanding identity theft risks, benefits of retirement investing over mortgage prepayment, online coupon resources, a utility bill savings program, and a fuel efficiency website.
This document analyzes the financial performance and profitability of wholesale greenhouse operations based on data from nearly 50 operations over 5 years. The key points are:
1. Median net profit margins were very low, ranging from 1.06-3.5% of sales, indicating thin margins across the industry.
2. Cash flow was also low, with median EBITDA less than 10% of sales and not enough cash left over after operations and debt payments to fund needs.
3. Continued low margins are putting pressure on liquidity and balance sheets, though debt ratios have improved due to cautious spending.
4. Greenhouse operations need to improve margins to around 5% to generate sufficient cash flows
This document provides answers to questions about corporate finance fundamentals. It discusses key topics like capital budgeting, capital structure, and working capital management. The answers describe things like the advantages and disadvantages of different business forms, the goals of for-profit versus not-for-profit organizations, and how agency problems can arise between managers and shareholders. The document also addresses questions about financial statements, taxes, cash flow, and issues like executive compensation.
http://bondsmakeiteasy.org During the 2007 tax season, Professor Peter Tufano, founder of Doorways to Dreams (D2D) Fund, collaborated with H&R Block to study offering U.S. Savings Bonds (Series I) at 27 H&R Block tax preparation offices. 3,729 clients with federal refunds greater than $500 received a scripted offer to purchase US Savings Bonds. 220 (or 5.9%) of these clients chose to purchase bonds spending an average of $228 each which resulted in tax time savings of $50,100.
This memo discusses the details of the 2007 tax season H&R Block US Savings Bond pilot which ran for 14 weeks in two cities: Boston, MA and Schaumberg, IL. The paper reviews preliminary findings related to take-up rate, bond purchasing decisions, and buyer data collected through the tax form. This report concludes with some initial interpretations as well as early policy recommendations.
This document is a monthly newsletter from Cedar Point Financial Services. It discusses several topics related to personal finance, including the upcoming tax filing deadline of April 18, 2017 and what to do if you need an extension or owe taxes. It also provides tips on buying fuel-efficient vehicles and how to encourage a culture of philanthropy within a business. The newsletter concludes with brief discussions on what happens to property if someone dies without a will and when a gift tax return may be required.
Week 6 Assignment
Accounting Capstone
Article Review
Using the LIRN, the University’s Library resources, find an article that covers a topic that you have studied in the course and provide a 3-5 page summary of that article.
This summary should be in (APA format) double-spaced, single-sided, Courier New Font, 12 pitch, 1 inch margins, with no grammar or spelling errors; APA includes a title page and a reference page at the end. The cover page and reference pages will not be counted in the 3-5 pages. You must cite your reference.
HOW DO YOU MEASURE DAMAGES? LOST INCOME OR LOST CASH FLOW?
By: Wagner, Michael J. Journal of Accountancy. Feb1990, Vol. 169 Issue 2, p28-33. 5p. , Database: Business Source Complete
In the burgeoning field of litigation services, one common role played by the CPA is as an expert on damages. As a general mle. attorneys are unfamiliar with the different ways to compute damages and normally leave it up to the expert to decide how damages should be computed. Moreover, the law itself gives little guidance to CPAs on the proper way to compute damages. Damage statutes usually don't prescribe an exclusive way of doing it. Statutes authorizing the award of damages often use this kind of language: "Damages are to be awarded in an amount which will make the plaintiff whole" or "damages are to be awarded in the amount of the benefit ofthe bargain." So how should an accountant choose between calculating damages as lost income or lost cash fiow to the plaintiff? This article explains the difference between the two methods and the factors to be considered when making a decision about which approach to use.
TYMS Of PAMAOtt The first consideration is typically the type of damages that are being computed. Damages may be in the form of out-of-pocket losses or lost profits. Out-of-pocket fosses are generally computed on a cash basis. Damages are the total amount of cash paid less any cash received. However, there are certain situations in federal class action securities litigation in which out-of-pocket damages are computed as the difference between what a security was purchased or sold for and what it was actually worth on that transaction date. This difference is attributable to the alleged fraud or misrepresentation that affected the security's price. In these circumstances, the computation of out-of-pocket loss is not a simple cash basis computation but requires sophisticated econometric tech
MICHAEL J. WAGNER, CPA, JD. is a partner of Price Waterkouse in Los Angeles, Catifurnia. He is a member ofthe A merican Institute of CPAs MAS practice standards and administrution subcommittee ami the auditing standards boant litigation service task force. A coauthor wilh Peter H. Frank ofthe AICPA MAS Technical Consulting Practice Aid no. 7, Litigation Sen'iees, lie is a member ofthe California Society of CPAs.
niques to determine the value of the securities in question. For computing tost profits, there's less guidance on which approach to u.
Running head: RESEARCH
RESEARCH 3
Topic: Research
Student Name:
Institution:
Research Question
What are the root causes of obesity among children in the United States?
Problem Statement
A young person is not viewed as hefty until the weight is no less than 10 percent higher than what is prescribed for their tallness and body sort. Obesity most regularly starts between the ages of 5 and 6, or amid puberty. Examines have demonstrated that a kid who is stout between the ages of 10 and 13 has an 80 percent possibility of turning into a fat grown-up.
The reasons for obesity are unpredictable and incorporate hereditary, natural, behavioral and social elements. Obesity happens when a man eats a greater number of calories than the body smolders. On the off chance that one parent is fat, there is a 50 percent chance that his or her youngster will likewise be large. Be that as it may, when both guardians are large, their kids have an 80 percent shot of being fat. Albeit certain therapeutic issue can bring about obesity, under 1 percent of all obesity is brought on by physical issues.
Null Hypothesis
There is a 96.4% chance that an obese adult will give birth to an obese child.
Alternative Hypothesis
The probability of an obese parent giving birth to an obese child is less than 96.4%.
The independent variable is the variable we are occupied with. The progressions to the reliant variable are what we are attempting to gauge with all their favor procedures. In our exploration the reliant variable is the child's capacity to create obesity issues. We're attempting to quantify the adjustment in weight as impacted by dietary patterns. A dependent variable is a variable accepted to influence the independent variable. This is the variable that the scientist, will control to check whether it rolls out the independent variable improvement. In our investigation of obesity among youngsters, our autonomous variable is the recurrence of their dietary patterns.
The variables chosen are the parent, eating habits, genetics and behavioral aspects. These variables play an important role in determining the body growth of a child. The statement of the problem is the point of convergence of your exploration. It states what will be examinees, whether the research will be done through trial or non-trial examination, and what the motivation behind the discoveries will be. As a part of the Introduction, viable problem statements answer the question on why the research is being conducted.
Running head: Accounting Standard Setting in the Private Sector
4
a. Financial statements must provide a neutral scorecard of the effective of transactions
Money related explanations like the accounting report should along these lines give an unbiased scorecard of the impacts of exchanges. Speculators, banks, controllers, and different clients of the monetary reports settle on business and financial choices in view of data gave in money related proclam ...
The document provides an overview of leveraged buyout (LBO) models. An LBO model shows what happens when a private equity firm acquires a company using a combination of equity and debt, with the goal of selling the company within 3-5 years for a 20-25% return. The document outlines the key steps in building an LBO model, including determining the purchase price and debt/equity amounts, projecting cash flows, and calculating investor returns.
it provide you information about public policy, its elements , policy cycle and its importance it also provide you information about problem solving process..These 8 lectures provide you the complete knowledge about public policy analysis.
The document discusses the debate around taxing carried interest at ordinary income tax rates versus capital gains tax rates. Currently, carried interest is taxed as capital gains. Proponents of change argue this is unfair, as fund managers provide services, and their income should be taxed like other service providers at higher ordinary rates. However, opponents note that fund managers also take on investment risk like other investors. The document outlines the various perspectives in the debate and considers alternative proposals but does not take a definitive position.
The document discusses adjusting entries and why they are necessary. Adjusting entries update account balances to reflect accrued expenses and income for the period even if they haven't been recorded yet. This ensures account balances and financial statements reflect the true financial position and results for the period. Examples given include accruing wages, utilities, depreciation, and inventory adjustments. Adjusting entries are needed to conform to the accrual concept and ensure accurate financial reporting.
1- As we have all heard and learned about how the ACA (Affordable .docxmonicafrancis71118
1- As we have all heard and learned about how the ACA (Affordable Care Act) has changed the way that health care is both financed and delivered. It continues to change the landscape not only of the health care industry but the overall US economy. Discuss one ACA provision and describe how it will impact healthcare finance.
After answering the discussion question in detail, please respond to at least two of your classmates.
Student 1:
The Affordable Care Act established the National Prevention, Health Promotion, and Public Health Council. The goal for this provision is to support preventive health care. There are seven areas that the National Prevention Strategy focuses on: tobacco-free living, preventing drug use and excessive alcohol abuse, healthy eating, active living, injury and violence-free living, reproductive and sexual health, and mental and emotional health. This provision has saved and will continue to save money on treatments (chemotherapy/radiation, rehabilitation, etc.) that could have been prevented if these people were living a healthy lifestyle. Making people aware of what they are putting into their body/doing to their body will educate them on what could happen to them if they continue to live the lifestyle they are living. Preventive care helps lower health care costs by preventing diseases before they require emergency room care.
Student 2:
The Patient Protection and Affordable Care Act, adopted in 2010, has the primary focus of helping all Americans obtain health insurance. This implementation initially increases the health care spending for the government, with the hopes that in the future it will decrease the overall spending on health care. One provision that came about with the ACA is the transition from fee-for-service payment to the bundled payment.
With the previous fee-for-service payment model, physicians and health care organizations would bill the consumer for each specific operation, procedure or visit using DRG and CPT codes. These codes gave a specific amount for each individual procedure, increasing the cost on the consumer and the health insurance companies. This model is thought to have been increasing the over all spending, with no solution. The ACA provision is helping transition to a bundled-payment method, which gives a set price physicians are reimbursed for each operation, procedure, visit, etc. If the physician spends more on a specific procedure than the reimbursement, the physician and health care organization eat that cost, not profiting.
This bundled payment model aims to decrease the health care governmental spending, while also increasing the quality of care for the consumer.
Assignment – CLWM4100 Taxation Law – Trimester 2 2018
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CLWM4100 Assignment Assessment 3
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Subject Code: CLWM4100
Subject Name: Taxation Law
Assessment Title: Individual case study assignment
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The Consumer Financial Emergency Survival Kit (2)Dawn Hicks
The document provides an overview and tips for creating a budget. It recommends knowing where your money is currently going by tracking expenses for a month. Then, estimate income and necessary expenses to create a monthly spending plan with categories like housing, food, transportation, etc. Stick to the budget by reviewing it regularly and adjusting as needed. Going over budget in one area means cuts elsewhere.
This document summarizes the results of a pilot test conducted during the 2007 tax season that offered U.S. Savings Bonds to low and moderate income tax filers through four Volunteer Income Tax Assistance sites. Key findings include that demand for savings bonds was strong, with 6% of eligible tax filers purchasing bonds, exceeding demand seen for other savings products. Many bond purchasers bought bonds as gifts for children or grandchildren. Over half of purchasers intended to hold the bonds for over 10 years, indicating bonds support long-term savings. Savings bonds may have represented starter savings for many purchasers, as over half reported having no existing savings. The pilot demonstrated savings bonds' potential to help low-income individuals begin saving
The Business Case for Product Philanthropy_Indiana UniversityJonathon Cannon
This document provides a business case for product philanthropy and a framework for analyzing the costs and benefits compared to liquidation or disposal. It finds that product donation is often financially superior to disposal and can be better than liquidation due to tax deductions. It provides worksheets and a rule of thumb to compare options. The document also examines choosing between cash vs product donations and how donations impact socioeconomic groups. Product donations are shown to benefit companies through tax savings, branding, and supporting strategic philanthropy goals while also providing meaningful assistance to those in need.
Marketing in the times of recessions reportIdentity Mena
The ongoing political and economical crackdowns in the Middle East are quite noticeable, in a way that was resulted in slow earnings last year and aggressive meltdown in the 1st quarter of this year.
The black swan theory or theory of black swan events is a metaphor that describes an event that comes as a surprise, has a major effect, and is often inappropriately rationalized after the fact with the benefit of hindsight.
With all the above mentioned situations, it seems as a whole flock of Black Swan events are circling the sky over the trade business and might at some point blot out the sun.
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Bank Case Assignment
Ratche93
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CaseRequirements.pdf
Home>Business & Finance homework help>Bank Case Assignment
What is this Project’s Objective?
This project is designed to improve your ability to analyze a particular bank's performance. The
emphasis should be to explore your bank from a regulator’s point of view. In that respect you
should address the six CAMELS components and try to identify any "red flags" that could indicate
potential problems in your bank. The Excel file under the name of “Bank Financial Analysis”
should be used to capture the financial data for your bank and to show the associated financial
ratios. You should be able to find all your data in your bank’s Uniform Bank Performance Report
(UBPR) which is available at www.ffiec.gov. Your written report should be no less than 5 pages
long (typed, double-spaced) not including the Excel worksheet. The six CAMELS components
are: Capital adequacy; Asset quality; Management quality; Earnings record; Liquidity position;
and Sensitivity to market risk. Following is a more detailed listing of the items that you need to
address:
A. Liquidity
Consider your bank’s Uniform Bank Performance Report (UBPR) and provide an overview of your
bank’s liquidity by reviewing the following areas:
1. Liquidity and Funding Ratios especially the Net Non-Core Funding Dependence
and Loan to Assets Ratios – The first ratio measures the degree to which the bank is
funding longer-term assets (loans, securities that mature in more than one year, etc.) with
non-core funding. Non-core funding includes funding that can be very sensitive to
changes in interest rates such as brokered deposits, CDs greater than $100,000, and
borrowed money. Higher ratios reflect a reliance on funding sources that may not be
available in times of financial stress or adverse changes in market conditions. What are
the trends in these ratios? How do they compare to the peer?
2. The availability of liquid assets readily convertible to cash without undue loss-
Consider Federal funds sold, available for sale securities, loans for sale, etc.
3. Core deposit/asset growth - Are core deposits capable of funding anticipated asset
growth?
4. Diversification of funding sources - A bank with strong liquidity has a strong core
deposit base, established borrowings lines, and procedures in place for acquiring
internet-based or other forms of emergency borrowing.
5. External Forces - Economic conditions, competition, marketing efforts, etc. ...
The document provides information about recent changes to mortgage and finance regulations in Australia. The Australian Prudential Regulatory Authority (APRA) has influenced lenders to be more prudent, which will impact the property market. The state budget removed the $3,000 First Home Owners Grant for established homes, though stamp duty concessions remain. The document also provides contact information for a finance broker and answers a question about how credit scores are calculated based on credit history, applications, and accounts.
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Solutions Manual for Managerial Economics and Organizational Architecture 6th Edition by Brickley
1. Solutions Manual for Managerial Economics and Organizational
Architecture 6th Edition by Brickley
Download: http://downloadlink.org/p/solutions-manual-for-managerial-
economics-and-organizational-architecture-6th-edition-by-brickley/
Test Bank for Managerial Economics and Organizational Architecture 6th
Edition by Brickley
Download: http://downloadlink.org/p/test-bank-for-managerial-economics-
and-organizational-architecture-6th-edition-by-brickley/
Solutions Manual
to accompany
Managerial Economics and Organizational
Architecture, 6e
Answers to “Analyzing Managerial Decisions” Discussion Questions
By Jim Brickley, Cliff Smith, and Jerry Zimmerman
2. Chapter 1: Introduction
ORGANIZING XEROX SERVICE CENTER
Discussion Question Answer:
The individuals who answer the 800 number have the incentives to answer many telephone calls
but not to spend time on any given call. Thus, they have incentives to limit the discussion with
the customer and to dispatch a service representative even if a longer discussion would address
the issue over the phone. The service representatives like this arrangement because they are
compensated on the number of service calls they make. Neither the phone representatives nor the
service representatives have incentives to take the follow-up activities seriously. The phone
people do not want to learn how to serve customers better if it means handling fewer calls.
Similarly, the service representatives want to make service calls.
SOCIETE GENERALE
Discussion Question Answers:
1. It is true that the Societe Generale employee traded on behalf of the bank and that any of the
direct gains and losses from the transactions would go to the bank not the employee. This does
not, however, necessarily imply that the trader was acting “irrationally” in placing the bets. It is
likely that at least part of his bonus was either directly or indirectly tied to his performance as a
trader. Also his performance could affect his prospects for proportions to higher level positions
and compensation at the bank. While the trader’s compensation may be small from the
standpoint of the bank, it was likely important to him. Clearly the trader’s actions were risky and
have legal implications. Nevertheless, he could have concluded that the prospects of a higher
bonus and promotion outweighed the costs. He apparently had confidence that the European
stock market would increase over time. His knowledge of the control system helped him to
conceal the transactions and reduce the likelihood that his actions would be detected. Indeed his
actions were only discovered after a huge and rather unusual on day drop in European stock
prices of nearly 6%. While his actions could be characterized as risky and apparently illegal, it is
not clear that they were completely “irrational.”
2. The example raises managerial questions about whether it is wise to move an employee with
detailed knowledge of the internal controls into a trading position without additional monitoring
or better controls. While the details of the fraud at Societe Generale were still being investigated,
it is plausible that the bank’s organizational architecture contributed to the problem – the bank’s
delegation of decision rights provided the opportunity to undertake the trades, the bank’s
incentive system may have helped to motivate the improper actions, and the bank’s monitoring
staff policies could have increased the likelihood that they would not be detected.
3. 3. Annual bonuses and the prospects for promotion provided important incentives in banks and
many other organizations. As an executive, you should carefully consider the incentives that are
created by your bank’s compensation and promotion policies. Even well designed incentive
plans can motivate a certain amount of unproductive and even illegal behavior. Reasonable
controls and safeguards should be adopted to limit negative behavior. Naïve design of incentives
and /or poorly designed controls can be a recipe for disaster. As a manager it is important you
consider these issues before the problems arise. The box in this chapter on the subprime
mortgage crisis emphasizes the same point. A primary purpose of this book is help managers
become better designers of organization architecture.
4. Chapter 2: Economists’ View of Behavior
MARGINAL ANALYSIS
Discussion Question Answers:
The marginal (incremental) benefit of this transaction is the $600 of increased revenue. You need
to calculate your marginal (incremental) costs to decide if you should accept or reject the
proposed deal. The monthly lease and insurance expenses are not incremental, but sunk (you pay
them whether you take the deal or not). You expect that the trucker will use the 100 gallons of
fuel. The fuel can be replaced for $3.25 per gallon for a total cost of $325. The retail price of
$4.00 per gallon is irrelevant since the transaction does not affect the amount of fuel that you can
sell to your other customers. You have to pay $.50 to the lease company for every mile that the
customer drives the truck. The customer will pay this cost once he reaches 500 miles. You are
responsible for paying for the first 500 miles, which has a total cost of $250. You have no other
use for the truck for the week and thus there are no additional opportunity costs. Given these
considerations, the total marginal cost is $575 (the $325 fuel costs plus the $250 mileage cost).
The marginal benefit exceeds the marginal costs by $25 and you should accept the deal. Your
optimal course of action could change if you faced a limit on wholesale fuel purchases. It
depends on whether this restriction is “binding” in the sense that your allotted amount of fuel
limits the amount of fuel you can sell to your retail customers. For example, suppose that the
restriction is binding and that you could have sold the 100 gallons of fuel used by the rental
customer to retail customers for $4.00 per gallon. The opportunity cost of the fuel under this
scenario is $400 and the marginal cost of the proposed deal is $650. In this case it is no longer
optimal to accept the proposal.
CONSUMER CHOICE AND GRAPHICAL TOOLS
Discussion Question Answers:
A potential economic explanation for the differences in wine consumption in the two countries is
that one country has a higher tax rate on wine than the other. Holding income and preferences
constant across the two countries, you would expect to observe lower wine consumption in the
country with the higher tax rate. This is illustrated by the following graph:
5. Budget line for a representative
consumer in the high-wine-tax country
Other Goods
Indifference curves derived from a common utility function that
is assumed to be the same for the representative consumers from
both countries (note that the consumer in the low-tax country is
able to obtain higher utility because they face an effectively
lower price for wine)
Budget line for a representative
consumer in the low-wine-tax country
Whigh tax Wlow tax
Wine
Prior to collecting any “real world” data your economic explanation is simply a plausible theory.
Before you take any action you should consider whether there is any data that you could use to
help confirm the validity of your explanation. For example, at a minimum you would want to
determine whether the tax rates are actually different in the two countries. It might also be useful
to examine data across a larger sample of countries to help confirm that there is a negative
relation between tax rates and wine consumption across countries. Other possible data and
analysis could be useful. You should also consider whether there are any other plausible
explanations that could explain the differences in wine consumption (e.g., differences in the legal
drinking ages, differences in the age composition of the populations, etc.) and determine whether
there is any data that you could use to distinguish among the alternative explanations. For
example, there might be differences in the legal drinking ages between the two countries, but
data suggests that few youthful legal drinkers consumer wine (for example, they consume
primarily beer). This book focuses on economic theory, not data analysis. However, it is
important to note that it is usually important for managers to rely on both theory and data in
decision making. Data analysis, while beyond the scope of this book, is typically an important
component of business and economic education.
1. Now suppose that you have determined that the likely cause is the difference in tax rates, there
are at least two actions that you might take to increase wine sales in the country with the higher
tax rate. First, you might bottle the wine in larger bottles. The tax is on a per bottle basis and
thus the customer pays a lower tax per unit of volume when the wine is sold in large bottles. This
strategy is an example of being creative in getting around constraints. Second, perhaps you can
devise a strategy to influence the relevant politicians/regulators to lower the tax rate on wine in
the high-tax country. As we discuss later in this book, politicians and regulators can often be
influenced by lawful actions of powerful business and lobby groups.
6. 2. A preferences-based explanation for the differences in consumption between the two countries
would focus on potential differences in tastes and preferences between the citizens of the two
countries. For example, one country might be populated by people who have strong cultural or
religious conditioning against consuming alcohol, while people from the other country are
known to “enjoy a bottle of wine with every dinner.” Changing people’s preferences can be
difficult and so it is often useful to look at potential economic explanations first (since a manager
typically has more control over changing constraints than preferences). Also it is often difficult
to collect data to determine whether differences in preferences actually are driving the
differences in consumer behavior. That said, consumer choice is determined by both constraints
and preferences and sometimes differences in behavior are driven by differences in preferences
(or a combination of differences in constraints and preferences). Depending on the differences in
preferences across potential customers, it may be possible to develop productive managerial
responses. For example, suppose that you determine that the consumers in one country are not
buying your red wine products because they prefer white wine to red wine (perhaps because of
the type of food that they consume). You might correspondingly increase wine sales by
exporting more white wine to the country and changing your advertising to correspond with your
new product offerings.
INTERWEST HEALTHCARE CORP
Discussion Question Answers:
This case is based on an actual business. The real CEO subscribed to the “good citizen model.”
He reasoned that the hospital administrators did not understand the importance of accurate
information reporting to the company. He had several meetings and retreats with the relevant
employees. He encouraged accurate reporting, stressed its importance, and motivated face-to-
face meetings between hospital and corporate personnel. None of these actions had the desired
effect. The economic view of behavior suggests that he should have looked at the incentives of
the employees. As it turns out, the corporate finance employees had strong incentives to want
accurate reporting. If the auditors found flaws in the information/accounting system they would
receive the primary criticism and were likely to lose their jobs. The hospital administrators were
not evaluated or rewarded based on the accuracy of the system. Rather, their primary concerns
were meeting budgets, keeping doctors happy, and avoiding lawsuits and bad press.
To motivate increased concern about the information system among hospital administrators, the
CEO should carefully evaluate the current incentive structure for the hospital administration and
change it — placing increased emphasis on financial/information reporting.
7. RISK AVERSION VERSUS RISK TAKING
Discussion Question Answers:
It is generally difficult to change a person’s preferences toward risk. A short experience in
gambling is unlikely to do so. The training program might identify individuals with risk
tolerances Trilogy desires. However, the people are already hired and this is unlikely to be the
major reason for the program. Also, employees have incentives to behave in a risky manner in
the program and it might be hard to discern underlying preferences of individuals from their
actions. The program does a relatively effective job of communicating that risk taking is valued
at the company. In addition, it gives the employees experience in evaluating risky alternatives.
8. Solutions Manual for Managerial Economics and Organizational Architecture 6th Edition by Brickley
Download: http://downloadlink.org/p/solutions-manual-for-managerial-economics-and-
organizational-architecture-6th-edition-by-brickley/
Test Bank for Managerial Economics and Organizational Architecture 6th Edition by Brickley
Download: http://downloadlink.org/p/test-bank-for-managerial-economics-and-organizational-
architecture-6th-edition-by-brickley/