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. Do not round intermediate calculations and enter your answers as a percent rounded to 2 decimal places

Both Bond Bill and Bond Ted have 11.8 percent coupons, make semiannual payments, and are priced at par value. Bond Bill has 7 years to maturity, whereas Bond Ted has 24 years to maturity. Both bonds have a par value of 1,000.
 
If interest rates suddenly rise by 2 percent, what is the percentage change in the price of these bonds? (A negative answer should be indicated by a minus sign. Do not round intermediate calculations and enter your answers as a percent rounded to 2 decimal places, e.g., 32.16.)

  Percentage
change in price
Bond Bill [removed] %
Bond Ted [removed] %

If rates were to suddenly fall by 2 percent instead, what would be the percentage change in the price of these bonds? (Do not round intermediate calculations and enter your answers as a percent rounded to 2 decimal places, e.g., 32.16.)

  Percentage
change in price
Bond Bill [removed] %
Bond Ted [removed] %

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A producer of inkjet printers is planning to add a new line of printers, and you have been asked to balance the process

Problem 6-4

A producer of inkjet printers is planning to add a new line of printers, and you have been asked to balance the process, given the following task times and precedence relationships. Assume that cycle time is to be the minimum possible.
Task Length
(minutes)
Immediate
Predecessor
a 0.2
b 0.4 a
c 0.3
d 1.3 b, c
e 0.1
f 0.8 e
g 0.3 d, f
h 1.2 g
a. Do each of the following:
(2) Assign tasks to stations in order of greatest number of following tasks. Use greatest positional weight as a tiebreaker rule.
Work Station Task Assigned
I   
II   
III   
IV   
Task Following   
Tasks     
a [removed]  
b [removed]  
c [removed]  
d [removed]  
e [removed]  
f [removed]  
g [removed]  
h [removed]  
(3) Determine the percentage of idle time. (Round your answer to 2 decimal places. Omit the “%” sign in your response.)
  Percentage of idle time [removed] %  
(4) Compute the rate of output in printers per day that could be expected for this line assuming a 420-minute working day. (Round your answer to the nearest whole number.)
  Rate of output [removed] units per day  
b. Answer these questions:
(1) What is the shortest cycle time that will permit use of only two workstations? (Round your answer to 1 decimal place.)
  Shortest cycle time [removed] minutes  
(2) Determine the percentage of idle time that would result if two stations were used and each station was loaded with the worktime shown in Part b(1). (Leave no cells blank – be certain to enter “0” wherever required. Omit the “%” sign in your response.)
  Percentage of idle time [removed] %  
(3) What is the daily output under this arrangement a using the cycle time from Part b(1)? (Round your answer to 1 decimal place.)
  Daily output   [removed] units per day  
(4) Determine the output rate that would be associated with using the maximum cycle time. (Round your answer to 2 decimal places.)
  Rate of output [removed] units per day  


A producer of inkjet printers is planning to add a new line of printers, and you have been asked to balance the process was first posted on July 10, 2019 at 6:06 am.
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When you have a question that may be answered as a percentage, answer it instead as a decimal.

Introduction

1. Your answer should show at least the first 3 rounded non-zero digits followed by zeros.
A)  For Example:  If the answer is 278,915, the first 3 rounded non-zero digits is 279 and an answer of 279,000 is acceptable. An answer of 278,915 is also acceptable.
B)  Another Example: Suppose the answer is 0.08297, then an answer of 0.083 is acceptable.  0.0830 and 0.08297 are also acceptable.

2. Do not use currency signs. Suppose the answer is $40.42, then you should answer 40.4 or 40.42.
 
3.  Do not use (…) to show negative quantities. If the answer is –0.5192, then do not answer (0.519), rather answer –0.519 or –0.5192.
 
4. When you have a question that may be answered as a percentage, answer it instead as a decimal. For example, if the answer for a rate of return is 10.5%, then enter the answer as 0.105 instead of 10.5 or 10.5%.  Basically answer the question as the actual number instead of answering it as a percentage.

Question 1 (1 point)

Question 1 Unsaved
Motorcade Company has three service departments (S1, S2, and S3) and two production departments (P1 and P2). The following data relate to Motorcade’s allocation of service department costs:  
 
  Budgeted Costs Nbr of Employees    
S1 $3,200,000 75    
S2 2,460,000 50    
S3 1,000,000 25    
P1   150    
P2   225    
Service department costs are allocated by the direct method. The number of employees is used as the allocation base for all service department costs.Calculate the total service department cost allocated to each production department P1.   
 
 

Calculate the total service department cost allocated to production department P1

Your Answer:

 
Answer

Question 2 (1 point)

Question 2 Unsaved

El Dorado Company has two production plants. Recently, the company conducted an ABM study to determine the cost of activities involved in processing orders for parts at each of the plants. How might an operations manager use this information to manage the cost of processing orders?

A Set up an ABC costing system
B Identify benchmarks
C Compare the cost to process an order at each plant and the nature of the orders to determine if costs are out of control. If out of control, investigate
D Close down the plant with the highest cost to increase profits

Question 3 (1 point)

Question 3 Unsaved
Infinity Designs, an interior design company, has experienced a drop in business due to an increase in interest rates and a corresponding slowdown in remodeling projects. To stimulate business, the company is considering exhibiting at the Home and Garden Expo. The exhibit will cost the company $12,000 for space. At the show, Infinity Designs will present a slide show on a PC, pass out brochures that are printed previously, (the company printed more than needed), and show its portfolio of previous    
     
   
jobs.                  
                   
The company estimates that revenue will increase by $36,000 over the next year as a result of the exhibit. For the previous year, profit was as follows:                      
                   
                       
    Revenue   $201,000
    Less:    
    Design supplies (variable cost) $16,500  
    Salary of Samantha Spade (owner) 80,000  
    Salary of Kim Bridesdale (full time employee) 55,000  
    Rent 18,000  
    Utilities 6,000  
    Depreciation of office equipment 3,600  
    Printing of advertising materials 700  
    Advertising in Middleton Journal 2,500  
    Travel expenses other than depreciation of autos (variable cost) $2,800  
    Depreciation of company cars 9,000  
         
 
Required:
Calculate the impact of the exhibit on company profit. 

Answer:

 
Answer

Question 4 (1 point)

Question 4 Unsaved

Each year, Sunshine Motos surveys 7,500 former and prospective customers regarding satisfaction and brand awareness. For the current year, the company is considering outsourcing the survey to Global Associates, who have offered to conduct the survey and summarize results for $30,000.Craig Sunshine, the president of Sunshine Motors, believes that Global will do a higher-quality job than his company has been doing, but is unwilling to spend more than $10,000 above the current costs. The head of bookkeeping for Sunshine has prepared the following summary of costs related to the survey in the prior year.

Mailing   $16,800                                                                     

Printing (done by Lester Print Shop)   $4,500

Salary of Pat Fisher, part-time employee who stuffed envelopes and summarized data when surveys were returned
       (100 hours X $15)  $1,500

Share of depreciation of computer and software used to track survey responses and summarized results.   $1,100

Share of electricity/phone/etc. based on square feet of space occupied by Pat Fisher vs. entire company.  $500

REQUIRED: What is the incremental cost of going outside versus conducting the survey as in the past?

       
   
   
     
       
   
 
   
         
         
         
     
     
         
     
         
     
         
   
   
   
 
           
 
Answer

Question 5 (1 point)

Question 5 Unsaved

Howell Corporation produces an executive jet for which it currently manufactures a fuel valve; the cost of the valve is indicated below:

 
  Cost per Unit
Variable costs  
Direct material $900
Direct labor 600
Variable overhead 300
   
   
Fixed costs  
Depreciation of equipment 500
Depreciation of building 300
Supervisory salaries 300
   
   

The company has an offer from Duvall Valves to produce the part for $2,000 per unit and supply 1,000 valves (the number needed in the coming year). If the company accepts this offer and shuts down production of valves, production workers and supervisors will be reassigned to other areas. The equipment cannot be used elsewhere in the company, and it has no market value. However, the space occupied by the production of the valve can be used by another production group that is currently leasing space for $55,000 per year.

What is the incremental savings of buying the valves? (The answer should be stated in a per-unit format and is a positive number)

Your Answer:

 
Answer

Question 6 (1 point)

Question 6 Unsaved

Landmark Coal operates a mine. During July, the company obtained 500 tons of ore, which yielded 250 pounds of gold and 63,100 pounds of copper. The joint cost related to the operation was $500,000. Gold sells for $325 per ounce and copper sells for $0.87 per pound.  Allocate the joint costs using relative weight. With these costs, what is the profit or loss associated with Copper?

Your Answer:

 
 

Question 7 (1 point)

Question 7 Unsaved
Landmark Coal operates a mine. During July, the company obtained 500 tons of ore, which yielded 250 pounds of gold and 63,100 pounds of copper. The joint cost related to the operation was $500,000. Gold sells for $325 per ounce and copper sells for $0.85 per pound.  Allocate the joint costs using the relative sales values. With these costs, what is the profit or loss associated with Copper?  
 
Answer

Question 8 (1 point)

Question 8 Unsaved

Common costs

Question 8 options:

A A) are fixed costs that are not directly traceable to an individual product line
B B) normally not avoidable
C both A and B are true statements
D Neither A nor B is a true statement

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Which of the following legal forms of organization is characterized by limited liability

Author: 

Lawrence J. Gitman 

BAM 513 

Financial Management 

Text: Principles of Managerial Finance 

12th Edition, 2009 

ISBN: 0321524136 

Publisher: 

Pearson Education 

a.

b.

Multiple Choice Questions (Enter your answers on the enclosed answer sheet) 

1)Which of the following legal forms of organization is characterized by limited 

liability? 

c.Professional partnership 

d.Sole proprietorsh i p 

e.Corporation 

f.Partnership 

2) The financial manager may be responsible for any of the following EXCEPT 

a.keepi ng track of quarterly tax payments. 

b.analyzing quarterly budget and performance reports. 

c.analyzing the effects of more debt on the firm’s capital structure. 

d.determining whether to accept or reject a capital asset acquisition. 

3) The financial manager’s financing decisions determine 

a.both the mix and the type of assets found on the firm’s balance sheet. 

b.both the mix and the type of assets and liabilities found on the firm’s balance 

sheet. 

c.the most appropriate mix of short-term and long-term financing. 

d.the proportion of the firm’s earnings to be paid as dividend. 

4) Wealth maximization as the goal of the firm implies enhancing the wealth of 

a.the firm’s stockholders. 

b.the Board of Directors. 

c.the firm’s employees. 

d.the federal government. 

5)The amount earned during the accounting period on each outstanding share of common stock is called 

a.common stock dividend. 

b.net profits after taxes. 

c.earn i ngs per share. 

d.net income. 

6)Cash flow and risk are the key determinants in share price. Increased cash flow results in , other things remaining the same. 

a.an unchanged share price 

b.a lower share price 

c.an undetermined share price 

d.a higher share price 

g.

7)A more recent issue that is causing major problems in the business commu- 

nity is 

a.short-term versus long-term financial goals of management. 

b.the privatization of ownership. 

c.ethical problems. 

d.environmental concerns. 

8) The implementation of a pro-active ethics program is expected to result in 

a.a positive corporate image and increased respect, but is not expected to af- 

fect cash flows. 

b.a positive corporate image and increased respect, but is not expected to af- 

fect share price. 

c.an increased share price resulting from a decrease in risk, but is not expected 

to affect cash flows. 

d.a positive corporate image and increased respect, a reduction in risk, and en- 

hanced cash flow resulting in an increase in share price. 

9) The Sarbanes-Oxley Act of 2002 was passed in response to 

a.the decline in tech nology stocks. 

b.insider trading activities. 

c.false disclosures in financial reporting. 

d.all of the above 

10)The key participants in financial transactions are individuals, businesses, 

and governments. Individuals are net of funds, and businesses are 

net of funds. 

a.demanders; suppliers 

b.purchasers; sellers 

c.suppliers; demanders 

d.users; providers 

11) The over-the-counter (OTe) market is 

a.an intangible market for unlisted securities. 

b.a place where securities are bought and sold. 

c.the New York Stock Exchange. 

d.an organized stock exchange. 

12) The two key financial markets are 

a.primary market and secondary market. 

b.capital market and secondary market. 

c.primary market and money market. 

d.money market and capital market. 

13)Securities exchanges create efficient markets that do all of the following 

EXCEPT 

a.ensure a market in which the price reflects the true value of the security. 

b.control the supply and demand for securities through price. 

c.allocate funds to the most productive uses. 

d.allow the price to be determined by supply and demand of securities. 

14)The tax deductibility of various expenses such as general and administrative 

expenses their after-tax cost. 

a.reduces 

b.has no effect on 

c.has an undetermined effect on 

d.increases 

15)The dividend exclusion for corporations receiving dividends from another corporation has resulted in 

a.stock investments being relatively less attractive, relative to bond investments made by one corporation in another corporation. 

b.stock investments being relatively more attractive relative to bond investments made by one corporation in another corporation. 

c.a lower cost of equity for the corporation paying the dividend. 

d.a higher relative cost of bond-financing for the corporation paying the dividend. 

16)The rule-setting body, which authorizes generally accepted accounting principles is 

a.FASB. 

b.Federal Reserve System. 

c.SEC. 

d.GAAP. 

h.

Financial Ma ment 

17)Candy Corporation had pretax profits of $1.2 million, an average tax rate 

of 34 percent, and it paid preferred stock dividends of $50,000. There were 

100,000 shares outstanding and no interest expense. What were Candy Cor- 

poration’s earnings per share? 

a.$4.52 

b.$7.59 

c.$7.42 

d.$3.91 

18) The analyst should be careful when evaluating a ratio analysis that 

a.the dates of the financial statements being compared are the same time. 

b.pre-audited statements are used. 

c.neither A nor B. 

d.both A and B. 

19) The is useful in evaluating credit and collection policies. 

a.current asset turnover 

b.current ratio 

c.average collection period 

d.average payment period 

20) The ratio may indicate poor collections procedures or a lax credit 

policy. 

a.average collection period 

b.average payment period 

c.inventory turnover 

d.quick 

21) are especially interested in the average payment period, since it 

provides them with a sense of the bill-paying patterns of the firm. 

a.Lenders and suppliers 

b.Borrowers and buyers 

c.Stockholders 

d.Customers 

Financial Man ent 

22) If the inventory turnover is divided into 365, it becomes a measure of 

a.sales turnover. 

b.the average collection period. 

c.sales efficiency. 

d.the average age of the inventory. 

23)The ratio may indicate that the firm will not be able to meet interest obligations due on outstanding debt. 

a.times interest earned 

b.return on total assets 

c.net profit rnargi n 

d.debt 

24)The measures the percentage of profit earned on each sales dollar before interest and taxes. 

a.net profit margin 

b.operati ng profit margi n 

c.earnings available to common shareholders 

d.gross profit margin 

25) In the DuPont system, the return on total assets (asset) is equal to 

a.(net profit margin) x (fixed asset turnover). 

b.(return on equity) x (total asset turnover). 

c.(return on equity) x (financial leverage multiplier). 

d.(net profit margin) x (total asset turnover). 

26) The financial leverage multiplier is an indicator of how much a corporation is utilizing. 

a.long-term debt 

b.total debt 

c.operating leverage 

d.total assets 

27)Allocation of the historic costs of fixed assets against the annual revenue they 

generate is called 

a.amortization. 

b.net profits. 

c.depreciation. 

d.gross profits. 

i.

Financial Ma ment 

28)The cash flows from operating activities section of the statement of cash flows considers 

a.interest expense. 

b.stock repurchases. 

c.dividends paid. 

d.cost of raw materials. 

29) The key aspects of the financial planning process are 

a.cash planning and investment planning. 

b.cash planning and profit planning. 

c.investment planning and profit planning. 

d.cash planning and financing. 

30)A firm has projected sales in May, June, and July of $100, $200, and $300, 

respectively. The firm makes 20 percent of sales for cash and collects the 

balance one month following the sale. The firm’s total cash receipts in July 

a.are $200. 

b.are $220. 

c.are $180. 

d.cannot be determined with the information provided. 

31) A projected excess cash balance for the month may be 

a.financed with long-term securities. 

b.invested in marketable securities. 

c.financed with short-term securities. 

d.invested in long-term securities. 

32)In the month of August, a firm had total cash receipts of $10,000, total cash 

disbursements of $8,000, depreciation expense of $1,000, a minimum cash 

balance of $3,000, and a beginning cash balance of $500. The excess cash 

balance (required financing) for August is 

a.required total financing of $500. 

b.required total financing of $2,500. 

c.excess cash balance of $500. 

d.excess cash balance of $5,500. 

j.

k.

33)The key inputs for preparing pro forma income statements using the simplified approaches are the 

a.sales forecast for the preceding year and financial statements for the coming 

year. 

b.sales forecast for the coming year and the cash budget for the preceding year. 

c.cash budget for the coming year and sales forecast for the preceding year. 

d.sales forecast for the coming year and financial statements for the preceding year. 

34)The method of developing a pro forma balance sheet estimates values of certain balance sheet accounts while others are calculated. In this method, the firm’s external financing is used as a balancing, or plug, figure. 

a.cash 

b.accrual 

c.judgmental 

d.percent-of-sales 

35)The strict application of the percent-of-sales method to prepare a pro forma income statement assumes the firm has no fixed costs. Therefore, the use of the past cost and expense ratios generally tends to profits when sales are increasing. 

a.have no effect on 

b.accurately predict 

c.overstate 

d.understate 

36)A firm plans to retire outstanding bonds in the next planning period. The statements that will be affected are the 

a.pro forma balance sheet and cash budget. 

b.pro forma income statement and pro forma balance sheet. 

c.cash budget and statement of retained earnings. 

d.pro forma income statement, pro forma balance sheet, cash budget, and 

statement of retained earnings. 

37)Utilizing past cost and expense ratios (percent-of-sales method) when preparing pro forma financial statements will tend to 

a.overstate profits when sales are increasing. 

b.neither understate nor overstate profits. 

c.understate profits when sales are increasing. 

d.understate profits when sales are decreasing. 

l.

Financial Ma ment 

38)In a period of rising sales utilizing past cost and expense ratios (percent- 

of-sales method), when preparing pro forma financial statements and planning financing, will tend to 

a.overstate retained earnings and understate the financing needed. 

b.overstate retained earnings and overstate the additional financing needed. 

c.understate retained earnings and overstate the financing needed. 

d.understate retained earnings and understate the additional financing needed. 

39) For positive interest rates, the future value interest factor is 

a.sometimes negative. 

b.always greater than 1.0. 

c.never greater than 25. 

d.always less than O. 

40)The amount of money that would have to be invested today at a given interest 

rate over a specified period in order to equal a future amount is called 

a.present value. 

b.future value. 

c.future value interest factor. 

d.present value interest factor. 

41)The present value of $200 to be received 10 years from today, assuming an 

opportunity cost of 10 percent, is 

a.$200. 

b.$50. 

c.$518. 

d.$77. 

42) The future value of a dollar as the interest rate increases and 

___ the farther in the future an initial deposit is to be received. 

a.increases; increases 

b.decreases; increases 

c.decreases; decreases 

d.increases; decreases 

43) The present value of a $25,000 perpetuity at a 14 percent discount rate is 

a.$350,000. 

b.$285,000. 

c.$178,571. 

d.$219,298. 

m.

n.

44)The future value of $100 received today and deposited in an account for four 

years paying semiannual interest of 6 percent is 

a.$450. 

b.$889. 

c.$134. 

d.$126. 

45)The future value of an annuity of $1,000 each quarter for 10 years, deposited at 12 percent compounded quarterly is 

a.$75,40l. 

b.$17,549. 

c.$93,049. 

d.$11,200. 

46)Adam borrows $4,500 at 12 percent annually compounded interest to be 

repaid in four equal annual installments. The actual end-of-year payment is 

a.$2,64l. 

b.$1,125. 

c.$942. 

d.$1,482. 

47)Ashley owns stock in a company which has consistently paid a growing divi- 

dend over the last five years. The first year Ashley owned the stock, she re- 

ceived $1.71 per share and in the fifth year, she received $2.89 per share. 

What is the growth rate of the dividends over the last five years? 

a.7 percent 

b.5 percent 

c.14 percent 

d.12 percent 

48)Julian was given a gold coin originally purchased for $1 by his great-grand- 

father 50 years ago. Today the coin is worth $450. The rate of return realized 

on the sale of this coin is approximately equal to 

a.13. 

b.50. 

c.7.5. 

d.cannot be determined with given information. 

o.

Financial M ment 

49)Aunt Bertha borrows $19,500 from the bank at 8 percent annually com- 

pounded interest to be repaid in 10 equal annual installments. The interest 

paid in the third year is _ 

a.$1,947.10 

b.$1,336.00 

c.$2,906.11 

d.$1,560.14 

50)What annual rate of return would Grandma Zoe need to earn if she deposits 

$1,000 per month into an account beginning one month from today in order 

to have a total of $1,000,000 in 30 years? 

a.5.98 

b.5.28 

c.6.23 

d.4.55 

51) is the chance of loss or the variability of returns associated with a 

given asset. 

a.Value 

b.Probability 

c.Risk 

d.Return 

52) The goal of an efficient portfolio is to 

a.minimize profit in order to minimize risk. 

b.maximize risk for a given level of return. 

c.maximize risk in order to maximize profit. 

d.minimize risk for a given level of return. 

53)Combining negatively correlated assets having the same expected return 

results in a portfolio with level of expected return and _ 

level of risk. 

a.the same; a lower 

b.a lower; a higher 

c.a higher; a lower 

d.the same; a higher 

lO 

p.

q.

54) The purpose of adding an asset with a negative or low positive beta is to 

a.reduce risk. 

b.increase profit. 

c.red uce profit. 

d.increase risk. 

55)The portion of an asset’s risk that is attributable to firm-specific, random 

causes is called 

a.unsystematic risk. 

b.systematic risk. 

c.nondiversifiable risk. 

d.none of the above 

56) risk represents the portion of an asset’s risk that can be eliminated 

by combining assets with less than perfect positive correlation. 

a.Systematic 

b.Total 

c.Nondiversifiable 

d.Diversifiable 

57)Nico owns 100 shares of stock X which has a price of $12 per share and 200 

shares of stock Y which has a price of $3 per share. What is the proportion of 

N ico’s portfol io invested in stock X? 

a.50 

b.77 

c.67 

d.33 

58)  As risk aversion increases 

a.investors’ required rate of return will decrease. 

b.a firm’s beta will decrease. 

c.a firm’s beta wi II increase. 

d.investors’ required rate of return will increase. 

59) The rate of interest creates equilibrium between the supply of savings and the demand for investment funds. 

a.inflationary 

b.risk-free 

c.real 

d.nominal 

11 

r.

Financial Management 

12 

60)The rate of interest is typically the required rate of return on a 

three-month U.S. Treasury bill. 

a.premium 

b.real 

c.nominal 

d.risk-free 

61)An upward-sloping yield curve that indicates generally cheaper short-term 

borrowing costs than long-term borrowing costs is called 

a.flat yield curve. 

b.normal yield curve. 

c.inverted yield curve. 

d.none of the above. 

62) The cost of long-term debt generally that of short-term debt. 

a.has no relation to 

b.is less than 

c.is equal to 

d.is greater than 

63) is a paid individual, corporation, or commercial bank trust department that acts as a third party to a bond indenture to ensure that the issuer 

does not default on its contractual responsibilities to the bondholders. 

a.A trustee 

b.A bond rating agency 

c.A bond issuer 

d.An investment banker 

64) An example of a standard debt provision is the 

a.constraints on subsequent borrowing. 

b.requirement to pay taxes and other liabilities when due. 

c.limiting of the corporation’s annual cash dividend payments. 

d.restricting the corporation from disposing of fixed assets. 

65) Another name for a deeply discounted bond that pays no coupon interest is a 

a.floati ng rate bond. 

b.junk bond. 

c.subordinated debenture. 

d.zero coupon bond. 

66) A debenture is 

a.a secured bond that is secured by unspecified assets. 

b.a lengthy legal document stating the conditions under which a bond has been issued. 

c.an unsecured bond that only creditworthy firms can issue. 

d.a bond secured by specific asset. 

67) In utilizing a    the issuer can annually deduct the current year’s interest accrual without having to actually pay the interest until the bond matures. 

a.junk bond 

b.extendible notes 

c.zero coupon bond 

d.floating rate bond 

68) The less certain a cash flow, the    the risk, and the the present value of the cash flow. 

a.higher; higher 

b.lower; lower 

c.higher; lower 

d.lower; higher 

69)Jia Hua Enterprises wants to issue sixty 20-year, $1,000 par value, zero- 

coupon bonds. If each bond is priced to yield 7 percent, how much will Jia H ua receive (ignori ng issuance costs) when the bonds are first sold? 

a. $12,393 

b. $15,505 

c. $18,880 

d. $11,212 

e. $20,000 

70)If bankruptcy were to occur, stockholders would have prior claim on assets over 

a.preferred stockholders. 

b.unsecured creditors. 

c.secured creditors. 

d.no one. 

13 

s.

14 

71)The advantages of issuing preferred stock from the common stockholder’s perspective i ncl ude all of the followi ng EXCEPT 

a.increased leverage. 

b.flexibility. 

c.use in mergers. 

d.seniority of preferred stockholder’s claim over common stockholders. 

72) All of the following features may be characteristic of preferred stock EXCEPT 

a.convertible. 

b.no maturity date. 

c.callable. 

d.tax-deductible dividends. 

73) Preferred stockholders 

a.do have preference over bondholders in the case of liquidation. 

b.do not have preference over bondholders in the case of liquidation. 

c.do not have preference over common stockholders in the case of liquidation. 

d.two of the above are true statements 

74)The opportunity for management to purchase a certain number of shares of their firm’s common stock at a specified price over a certain period of time is a 

a.stock option. 

b.stock right. 

c.pre-emptive right. 

d.warrant. 

75) Stock rights provide the stockholder with 

a.cumulative voting privileges. 

b.the opportunity to receive extraordinary earnings. 

c.the right to elect the board of directors. 

d.certain purchase privileges of additional stock shares in direct proportion based on their number of owned shares. 

76)Tangshan China Company’s stock is currently selling for $80.00 per share. 

The expected dividend one year from now is $4.00 and the required return is 13 percent. What is Tangshan’s dividend growth rate assuming that dividends are expected to grow at a constant rate forever? 

a.9 

b.10 

c.8 

d.11 

77)Which of the following valuation methods is superior to the others in the list since it considers expected earnings? 

a.PIE multiple 

b.liquidation value 

c.book value 

d.present val ue of the interest 

78)Nico Corporation expects to generate free-cash flows of $200,000 per year 

for the next five years. Beyond that time, free cash flows are expected to grow at a constant rate of 5 percent per year forever. If the firm’s average cost of capital is 15 percent, the market value of the firm’s debt is $500,000, and Nico has a half million shares of stock outstanding, what is the value of Nico’s stock? 

a.$0.00 

b.$1.43 

c.$3.43 

d.$2.43 

79) A capital expenditure is all of the following EXCEPT 

a.an outlay for current asset expansion. 

b.an outlay made for the earning assets of the firm. 

c.commonly used to expand the level of operations. 

d.expected to produce benefits over a period of time greater than one year. 

80) projects have the same function; the acceptance of one _ 

the others from consideration. 

a.Mutually exclusive; eliminates 

b.Replacement; does not eliminate 

c.Capital; eliminates 

d.Independent; does not eliminate 

15 

t.

Financial Ma ment 

81)In international capital budgeting decisions, political risks can be minimized using all of the following strategies EXCEPT 

a.structuring the financing of such investments as equity rather than as debt. 

b.structuring the financing of such investments as debt rather than as equity. 

c.structuring the investment as a joint venture and selecting well-connected local partner. 

d.none of the above 

82)When evaluating a capital budgeting project, the change in net working capital must be considered as part of 

a.the initial investment. 

b.the incremental operating cash inflows. 

c.the operati ng cash inflows. 

d.the operati ng cash outflows. 

83)The tax treatment regarding the sale of existing assets that are sold for their book value results in 

a.recaptured depreciation taxed as ordinary income. 

b.no tax benefit or liability. 

c.an ordinary tax benefit. 

d.a capital gain tax liability and recaptured depreciation taxed as ordinary income. 

84)A corporation is selling an existing asset for $1,000. The asset, when purchased, cost $10,000, was being depreciated under MACRS using a five- year recovery period, and has been depreciated for four full years. If the as sumed tax rate is 40 percent on ordinary income and capital gains, the tax effect of this transaction is 

a.$3,600 tax liability. 

b.$280 tax benefit. 

c.$0 tax liability. 

d.$1,100 tax liability. 

85) Unsophisticated capital budgeting techniques do not 

a.examine the size of the initial outlay. 

b.take into account an unconventional cash flow pattern. 

c.explicitly consider the time value of money. 

d.use net profits as a measure of return. 

16 

Financial Ma ment 

86) Should Tangshan Mining company accept a new project if its maximum pay- 

back is 3.5 years and its initial after tax cost is $5,000,000 and it is ex- 

pected to provide after-tax operating cash inflows of $1,800,000 in year 1, 

$1,900,000 in year 2, $700,000 in year 3 and $1,800,000 in year 4? 

a.Yes 

b.No 

c.It depends 

d.None of the above 

87)The minimum return that must be earned on a project in order to leave the firm’s value unchanged is 

a.the compound rate. 

b.the cost of capital. 

c.the interest rate. 

d.the internal rate of return. 

88) A firm would accept a project with a net present value of zero because 

a.the project would enhance the wealth of the firm’s owners. 

b.the return on the project would be positive. 

c.the project would maintain the wealth of the firm’s owners. 

d.the return on the project would be zero. 

89)What is the NPV for the following project if its cost of capital is 15 percent 

and its initial after tax cost is $5,000,000 and it is expected to provide 

after-tax operating cash inflows of $1,800,000 in year 1, $1,900,000 in year 

2, $1,700,000 in year 3 and $1,300,000 in year 4? 

a.($137,053) 

b.$371,764 

c.$1,700,000 

d.None of the above 

90)What is the NPV for the following project if its cost of capital is 0 percent and its initial after tax cost is $5,000,000 and it is expected to provide after- 

tax operating cash inflows of $1,800,000 in year 1, $1,900,000 in year 2, 

$1,700,000 in year 3 and $1,300,000 in year 4? 

a.$1,700,000 

b.$137,053 

c.$371,764 

d.None of the above 

17 

u.

18 

91)The is the compound annual rate of return that the firm will earn  

it invests in the project and receives the given cash inflows. 

a.internal rate of return 

b.cost of capital 

c.discount rate 

d.opportunity cost 

92) When evaluating projects using internal rate of return, 

a.the discount rate and magnitude of cash flows do not affect internal rate of return. 

b.projects having higher early-year cash flows tend to be preferred at lower discount rates. 

c.projects having higher early-year cash flows tend to be preferred at higher discount rates. 

d.projects havi ng lower early-year cash flows tend to be preferred at higher  discou nt rates. 

93)Diagrams that permit the mapping of the various investment decision alternatives and payoffs as well as their probabilities of occurrence are called 

a.multiple regression analysis. 

b.simulations. 

c.decision trees. 

d.sensitivity analysis. 

94) The advantage of using simulation in the capital budgeting process is 

a.the availability of a continuum of risk-return trade-offs which may be used as the basis for decision-making. 

b.that it generates a continuum of risk-return trade-offs rather than a single point estimate. 

c.dependability of predetermined probability distributions. 

d.ease of calculation. 

95) Breakeven cash inflow refers to 

a.the minimum level of cash inflow necessary for a project to be acceptable, that is, IRR < cost of capital. 

b.the minimum level of cash inflow necessary for a project to be acceptable, that is, N PV > $0. 

c.the minimum level of cash inflow necessary for a project to be acceptable, that is, NPV < $0. 

d.none of the above is correct 

96)A behavioral approach that evaluates the impact on the firm’s return of simultaneous changes in a number of project variables is called 

a.simulation analysis. 

b.scenario analysis. 

c.sensitivity analysis. 

d.none of the above 

97) The reflects the return that must be earned on the given project to compensate the firm’s owners adequately according to the project’s variability of cash flows. 

a.internal rate of return 

b.cost of capital 

c.average rate of return 

d.risk-adjusted discount rate 

98)An approach to capital rationing that involves graphing project returns in 

descending order against the total dollar investment to determine the group of acceptable projects is called the 

a.net present value approach. 

b.the internal rate of return approach. 

c.the profitability index approach. 

d.the payback approach. 

99) The cost to a corporation of each type of capital is dependent upon 

a.the risk-free rate of each type of capital plus the business risk and the financial risk of the firm. 

b.the risk-free rate of each type of capital pi us the busi ness risk of the firm. 

c.the risk-free rate of each type of capital plus the financial risk of the firm. 

d.the risk-free rate of bonds plus the business risk of the firm. 

100)  The before-tax cost of debt for a firm which has a 40 percent marginal tax-rate is 12 percent. The after-tax cost of debt is 

a.12 percent. 

b.7.2 percent. 

c.4.8 percent. 

d.6.0 percent. 


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Differentiate the stakeholders and their roles (i.e. health care professionals, clients [patients], government, colleges, and health care agencies.

Ashford 6: – Week 5 – Final Presentation

Final Presentation
 

For your Final Presentation you will be presenting on the U.S. healthcare system. Imagine you are a community health director educating a group of new healthcare professionals on the U.S. healthcare system. You have been asked to create a PowerPoint presentation, which includes the elements listed below:
 

Note: You will be using Part 1 from week three for the first section of the Final Presentation. Please make sure to correct issues and address any recommendations from your instructor’s Week 3 Assignment feedback.
 

Introduction: Include a title slide. Next, include an introductory slide where you introduce yourself and explain what you are about to present.
Part I: The U.S. Healthcare System – Define the U.S. healthcare system by addressing the items below: 

  • Describe the history of the U.S. health care system.      Include at least three of the revolutionary factors (e.g., teacher’s union      in Dallas, Texas; the American Medical Association; Civil War, and the      First Marine Hospital, etc.). Chapter two in our textbook discusses the      evolution of our system and is a good resource for this part of your      presentation.
  • Identify at least one major development from each of      the following: financial, legal, ethical, regulatory, and social [i.e.,      consumer demand]) that transformed the system into what it is today. You      may want to revisit the health care timelines available in your course      textbook.   
  • Differentiate the stakeholders and their roles (i.e.,      health care professionals, clients [patients], government, colleges, and      health care agencies. 
    • Include the positive and negative contributions of how       they affect our health care system. 

 Part II: The Cost of the U.S. Healthcare System 

  • Describe the costs and how they are set (i.e.,      reimbursement methods, managed care organizations, Medicare, Medicaid, and      private insurance).
  • Explain how technology has affected costs (e.g., EHR,      medical research, equipment improvements like MRI, mammography, etc.) and      delivery of quality care (e.g., personalized medicine, mobile services      like ePrescribing, disease registries, etc.).

 Part III: The United States Versus Other Health Care Systems—an International Perspective

  • Contrast the U.S. health care system with at least one      other (e.g., Canada’s universal health care vs. U.S. healthcare or South      Africa vs. U.S. health care, etc.). 
    • Include at least one positive aspect from the other       country’s health care system that you would like to see added to the U.S.       healthcare system. Explain why you would like to see this in our system.

 Part IV: Reforms and Improvements 

  • Describe any potential reforms and improvements that      are currently being discussed at either the local, state, or federal      level. Your work must be based upon scholarly research, not media      commentary. 
    • Examples could include the following: 
      • Federal modifications (i.e., Medicare reform,        repealing PPACA, universal type system, etc.) 
      • State modifications(i.e., Medicaid reform, income tax        credits, etc.)
      • Increased consumer controls

Note: The PPACA is not an appropriate reform or improvement to be described here because it is already law and not a future improvement. However, if there is a proposal to amend or eliminate, then you can include that potential reform.
 

Conclusion: Future of the U.S. healthcare system

  • Explain what you believe the U.S. healthcare system      will look like in the next 10 years. Give at least two recommendations for      change.
  • Address access to care, quality of care, and cost of      care including an example of each in your vision of our future healthcare      system. 

 Creating the Final Presentation
The Final Presentation must:

  • Be 15 to 20 slides, which includes Part 1, (excludes      the title slide and reference slides) and formatted according to APA style      as outlined in the Ashford Writing Center.
  • Be presented using Microsoft PowerPoint slide      presentation.  You have a choice of one of the following options for      adding the narrative to your presentation. Option 1 is using voice or      Option 2 is adding speaker notes to each slide.
    • Option 1: Recording your voice on each slide. You can       view the tutorial using this link: adding and       recording voice to each slide.You can also       click on the following links to view the Accessibility Statement and Privacy Policy. If you choose this option, you must include your APA       formatted citation in the speaker note section of the PPT as well.
      • Note: if you use the voice option, make sure your        recordings are clear and concise. It is also important to know that        adding voice narrations that are too lengthy and adding graphics may        cause your PPT file to be very large (megabytes). You may have trouble        loading it to Waypoint. Revisions may be necessary if this occurs.
    • Option 2: Using speaker notes for each slide in the       PPT. You can review the tutorial using this link: adding speaker notes       to your presentation. You can also click on the following links to view       the Accessibility Statement , and the Privacy Policy. 
      • Speaker notes are the typed notes that appear below        the slide that complement the presentation slides. Whereas the slides        will have short bulleted items, the speaker notes will be more detailed.        They are essentially what the presenter would say during the presentation        to explain each of the bulleted points on the slide. Therefore, it is        important that the speaker notes are concise and detailed when        explaining the bullet points.
insert notes
  • It is recommended that PowerPoint Slides contain no       more than five bullet points and should not contain more than 5 – 7 words       each. Do not type paragraphs or long sentences on the slide. The       information that explains each bullet point is conveyed via speaker notes       or by recording your voice to each slide.
  • It is required that the Microsoft PowerPoint       presentation include the use of a voice or speaker notes. If you choose       to use the voice capabilities within PowerPoint, you must include your       citations in the speaker notes for each slide.
  • Be visually engaging. For assistance with designing the      visuals for your presentation, view the video Don McMillan: Life after death by PowerPoint (click on the following links to view the Accessibility Statement or the Privacy Policy) or the PowerPoint Best      Practices tool. 
  • Include a title slide with the following: 
    • Title of the presentation
    • Student name
    • Course name and number
    • Instructor name
    • Date submitted
  • Address the sections in the order outlined above      (Introduction, Part I, II, III, and IV).
  • Present the issues with critical thought.
  • Use at least two scholarly sources (none of which      should be media commentary, at least one should be from the Ashford University      Library).
  • Document all sources in APA format (including graphics,      charts and pictures that may be used within the presentation). Wikimedia Commons is a recommended source for creative commons images      (to view the privacy policy, click here).
  • Include a separate reference slide formatted according      to APA style as outlined in the Ashford Writing Center.

If you are unable to access the technology for this assignment due to a documented accommodations on file with the Office of Access and Wellness, inform your instructor as soon as possible.
 

Carefully review the Grading Rubric for the criteria that will be used to evaluate your assignment.

 

Submit Your Assignment and get professional help from our qualified experts!


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Ben Collins plans to buy a house for $65,000. If that real estate property is expected to increase in value 5 percent each year,

BUSN 380 Personal Financial Planning – All 7 Weeks Problem Sets

Problem Set 1 

(Note: Some of these problems require the use of the time value of money tables in the Chapter 1 Appendix).

1.   Ben Collins plans to buy a house for $65,000. If that real estate property is expected to increase in value 5 percent each year, what would its approximate value be seven years from now?

2.   At an annual interest rate of five percent, how long would it take for your savings to double?

3.   In the mid-1990s, selected automobiles had an average cost of $12,000. The average cost of those same motor vehicles is now $20,000. What was the rate of increase for this item between the two time periods?

4.   A family spends $28,000 a year for living expenses. If prices increase by 4 percent a year for the next three years, what amount will the family need for its living expenses?

5.   What would be the yearly earnings for a person with $6,000 in savings at an annual interest rate of 5.5 percent?

6.   Elaine Romberg prepares her own income tax return each year. A tax preparer would charge her $60 for this service. Over a period of 10 years, how much does Elaine gain from preparing her own tax return?  Assumes she can earn 3 percent on her savings.

7.   Tran Lee plans to set aside $1,800 a year for the next six years, earning 4 percent.  What would be the future value of this savings amount?

8.   If you borrow $8,000 with a 5 percent interest rate to be repaid in five equal payments at the end of the next five years, what would be the amount of each payment? (Note: Use the present value of an annuity table in the

      Chapter 1 Appendix.)

9.   Based on the following data, compute the total assets, total liabilities, and net worth.

Liquid assets, $3,670                               Household assets, $89,890

Investment assets, $8,340                       Long-term liabilities, $76,230

Current liabilities, $2,670

10. Which of the following employee benefits has the greater value? Use the formula given in the “Financial Planning Calculations” – “Tax-Equivalent Employee Benefits” box found in Chapter 2 to compare these benefits. (Assume a 28 percent tax rate.)

A nontaxable pension contribution of $4,300 or the use of a company car with a taxable value of $6,325. 

Problem Set 2 

1.   Thomas Franklin arrived at the following tax information:

Gross salary, $46,660

Interest earnings, $225

Dividend income, $80

One personal exemption, $3,400

Itemized deductions, $7,820

Adjustments to income, $1,150

What amount would Thomas report as taxable income?

2.   What would be the net annual cost of the following checking account? 

Monthly fee, $3.75; processing fee, 25 cents per check; checks written, an average of 22 a month.

3.   What would be the average tax rate for a person who paid taxes of $4,864.14 on a taxable income of $39,870?

4.   A payday loan company charges 4 percent interest for a two-week period.  What would be the annual interest rate from that company?

5.   What is the annual opportunity cost of a checking account that requires a $350 minimum balance to avoid service charges? Assume an interest rate of 6.5 percent.

Problem Set 3

1.    

Louise McIntyre’s monthly gross income is $2,000. Her employer withholds $400 in federal, state, and local income taxes and $160 in Social Security taxes per month. Louise contributes $80 per month for her IRA. Her monthly credit payments for VISA, MasterCard, and Discover card are $35, $30, and $20, respectively. Her monthly payment on an automobile loan is $285. What is Louise’s debt payments-to-income ratio? Is Louise living within her means?

2.  Calculating Debt Payments – to – Income Ratio.  Suppose that your monthly net income is $2,400.  Your monthly debt payments include your student loan payment, a gas credit card and they total $360.  What is your debt payments – to – income ratio?

3.   Dave borrowed $500 for one year and paid $50 in interest. The bank charged him a $5 service charge.

A- What is the finance charge on this loan?

      B-  Dave borrowed $500 on January 1, 2006, and paid it all back at once on December 31, 2006. What was the APR?

      C-  If Dave paid the $500 in 12 equal monthly payments, what is the APR?

4.     Calculating Simple Interest on a Loan.  Damon convinced his aunt to lend him $2,000 to purchase a plasma digital TV.  She has agreed to charge only 6 % simple interest, and he has agreed to repay the loan at the end of one

        year.  How much interest will he pay for the year? 

5.   After visiting several automobile dealerships, Richard Welch selects the car he wants. He likes its $10,000 price, but financing through the dealer is no bargain. He has $2,000 cash for a down payment, so he needs an $8,000 loan. In shopping at several banks for an installment loan, he learns that interest on most automobile loans is quoted at add-on rates. That is, during the life of the loan, interest is paid on the full amount borrowed even though a portion of the principal has been paid back. Richard borrows $8,000 for a period of four years at an add-on interest rate of 11 percent.

Questions

a.   What is the total interest on Richard’s loan?

b.   What is the total cost of the car?

c.   What is the monthly payment?

d.   What is the annual percentage rate (APR)?

Problem Set 4

1.  Determining Profit or Loss from an Investment.  Three years ago, you purchased 150 shares of IBM stock for $88 a share.  Today, you sold your IBM stock for $103 a share.  For this problem, ignore commissions that would be charged to buy and sell your IBM shares. 

a.  What is the amount of profit you earned on each share of IBM stock?

      b.  What is the total amount of profit for your IBM investment?

2.  Calculating Rate of Return. Assume that at the beginning of the year, you purchase an investment for

$8,000 that pays $100 annual income. Also assume the investment’s value has decreased to $7,400 by the end of the year.

a.     

What is the rate of return for this investment?

b.    

Is the rate of return a positive or negative number?

3.  Calculating Earnings Per Share, Price-Earnings Ratio, and Book Value. As a stockholder in Bozo Oil Company, you receive its annual report. In the financial statements, the firm has reported assets of $9 million, liabilities of $5 million, after-tax earnings of $2 million, and 750,000 outstanding shares of common stock.

a.   Calculate the earnings per share of Bozo Oil’s common stock.

b.   Assuming that a share of Bozo Oil’s common stock has a market value of $40, what is the firm’s price-earnings ratio?

c.   Calculate the book value of a share of Bozo Oil’s common stock.

4.  Determining Interest and Approximate Bond Value. Assume that three years ago, you purchased a

 corporate bond that pays 9.5 percent. The purchase price was $1,000. Also assume that three years     after your bond investment, comparable bonds are paying 8 percent.

a.   What is the annual dollar amount of interest that you will receive from your bond investment?

b.   Assuming that comparable bonds are paying 8 percent, what is the approximate dollar price for which you could sell your bond?

c.   In your own words, explain why your bond increased or decreased in value.

5.   Using Margin. Bill Campbell invested $4,000 and borrowed $4,000 to purchase shares in Wal-Mart. At the time of investment, Wal-Mart was selling for $45 a share.

a.   If Bill paid $30 commission, how many shares could Bill buy if he used only his own money and did not use margin?

b.   If Bill paid $50 commission, how many shares could Bill buy if he used his $4,000 and borrowed $4,000 on margin to buy Wal-Mart stock?

c.   Assuming that Bill did use margin, paid $90 commission to sell his stock, and sold his Wal-Mart stock for $53, how much profit did he make on his Wal-Mart investment?

6.    Calculating yields. Assume you purchased a corporate bond at its current market price of $850 on January 2, 2002. It pays 9 percent interest and it will mature on December 31, 2011, at which time the corporation will pay you the face value of $1,000.

a.   Determine the current yield on your bond investment at the time of purchase.

b.   Determine the yield to maturity on your bond investment.

Problem Set 5

1.   Tammy Monahan is considering the purchase of a home entertainment center. The product attributes and weights she plans to consider are:

portability              .1

sound projection    .6

warranty                .3

Tammy rated the brands as follows:

  portability sound projection warranty
Brand A 6 8 7
Brand B 9 6 8
Brand C 5 9 6

Using the Consumer Buying Matrix presented in Chapter 8, conduct a quantitative product evaluation rating for each brand. What other factors is Tammy likely to consider when making her purchase?

2.   Based on the following, calculate the costs of buying and of leasing a motor vehicle. 

Purchase Costs                Leasing Costs
Down payment                 $1,500 Security deposit                 $500
Loan payment        $450 for 48 months Lease payment       $450 for 36 months
Estimated value atEnd of loan                      $4,000 End of lease charges         $600
Opportunity cost interest rate: 4 percent

3. You can purchase a service contract for all of your major appliances for $180 a year. If the appliances are expected to last for 10 years, and you earn 5 percent on your savings, what would be the future value of the amount you would pay for the service contract?

4.   You estimate that you can save $3,800 by selling your own home rather than using a real estate agent. What would be the future value of that amount if invested for five years at 7 percent?

5.  John Walters is comparing the cost of credit to the cash price of an item. If John makes a $60 down payment, and pays $34 a month for 24 months, how much more would that be than the cash price of $695?

Problem Set 6

1.   For each of the following situations, what amount would the insurance company pay?

a.   Wind damage of $835; the insured has $500 deductible.

b.   Theft of a stereo system worth $1,300; the insured has a $250 deductible.

c.   Vandalism that does $425 of damage to a home; the insured has a $500 deductible.

2.   Beverly and Kyle Nelson currently insure their cars with separate companies paying $650 and $575 a year. If they insure both cars with the same company, they would save 10 percent on the annual premiums. What would be the future value of the annual savings over ten years based on an annual interest rate of 6 percent?

3.   As of 2008, per capita spending on health care in the United States was about $8,000. If this amount increased by 5 percent a year, what would be the amount of per capital spending for health care in 10 years?

4.     

Sarah’s comprehensive major medical health insurance plan at work has a deductible of $750. The policy pays 85 percent of any amount above the deductible. While on a hiking trip, she contracted a rare bacterial disease. Her medical costs for treatment, including medicines, tests, and a six-day hospital stay, totaled $8,893. A friend told her that she would have paid less if she had a policy with a stop-loss feature that capped her out-of-pocket expenses at $3,000. Was her friend correct? Show your computations. Then determine which policy would have cost Sarah less and by how much.

5.     

The Kelleher family has health insurance coverage that pays 80 percent of out-of-hospital expenses after a $500 deductible per person. If one family member has doctor and prescription medication expenses of $1,100, what amount would the insurance company pay?

6.     

 You are the wage earner in a “typical family,” with $40,000 gross annual income.  Use the easy method to determine how much life insurance you should carry. 

Problem Set 7

1.    Calculating Net Asset Value. Given the information below, calculate the net asset value for the Boston Equity mutual fund.

Total assets $225,000,000
Total liabilities 5,000,000
Total number of shares 4,400,000

2.  Calculating the Rate of Return of Investment Using Financial Leverage. Suppose Shaan invested just $10,000 of his own money and had a $90,000 mortgage with an interest rate of 8.5 percent. If after three years he sold the property for $120,000.

      a.   What is his gross profit?

      b.   What is his net profit/loss? 

      c.   What is the rate of return on investment? 

3.   Shelly’s assets include money in the checking and savings accounts, investments in stocks and mutual funds, personal property, such as furniture, appliances, an automobile, coin collection and jewelry.  Shelly calculates that her total assets are $108,800.  Her current unpaid bills, including an auto loan, credit card balances, and taxes total $16,300.  Calculate Shelly’s net worth.

4.    Barry and his wife Mary have accumulated over $4 million during their 45 years of marriage.  They have three children and five grandchildren.

A-  How much money can Barry and Mary gift to their children in 2008 without any gift tax liability?

B-    How much money can Barry and Mary gift to their grandchildren?

C-   What is the total amount of estate removed from Barry and Mary’s estate?

5.   Dave bought a rental property for $200,000 cash. One year later, he sold it for $240,000.

A- What was the return on his $200,000 investment?

B-   Suppose Dave invested only $20,000 of his own money and borrowed $180,000 (interest free from his rich father). What was his return on investment?


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Identify at least one major development from each of the following: financial, legal, ethical, regulatory, and social

Ashford 6: – Week 5 – Final Presentation

Final Presentation
 

For your Final Presentation you will be presenting on the U.S. healthcare system. Imagine you are a community health director educating a group of new healthcare professionals on the U.S. healthcare system. You have been asked to create a PowerPoint presentation, which includes the elements listed below:
 

Note: You will be using Part 1 from week three for the first section of the Final Presentation. Please make sure to correct issues and address any recommendations from your instructor’s Week 3 Assignment feedback.
 

Introduction: Include a title slide. Next, include an introductory slide where you introduce yourself and explain what you are about to present.
Part I: The U.S. Healthcare System – Define the U.S. healthcare system by addressing the items below: 

  • Describe the history of the U.S. health care system.      Include at least three of the revolutionary factors (e.g., teacher’s union      in Dallas, Texas; the American Medical Association; Civil War, and the      First Marine Hospital, etc.). Chapter two in our textbook discusses the      evolution of our system and is a good resource for this part of your      presentation.
  • Identify at least one major development from each of      the following: financial, legal, ethical, regulatory, and social [i.e.,      consumer demand]) that transformed the system into what it is today. You      may want to revisit the health care timelines available in your course      textbook.   
  • Differentiate the stakeholders and their roles (i.e.,      health care professionals, clients [patients], government, colleges, and      health care agencies. 
    • Include the positive and negative contributions of how       they affect our health care system. 

 Part II: The Cost of the U.S. Healthcare System 

  • Describe the costs and how they are set (i.e.,      reimbursement methods, managed care organizations, Medicare, Medicaid, and      private insurance).
  • Explain how technology has affected costs (e.g., EHR,      medical research, equipment improvements like MRI, mammography, etc.) and      delivery of quality care (e.g., personalized medicine, mobile services      like ePrescribing, disease registries, etc.).

 Part III: The United States Versus Other Health Care Systems—an International Perspective

  • Contrast the U.S. health care system with at least one      other (e.g., Canada’s universal health care vs. U.S. healthcare or South      Africa vs. U.S. health care, etc.). 
    • Include at least one positive aspect from the other       country’s health care system that you would like to see added to the U.S.       healthcare system. Explain why you would like to see this in our system.

 Part IV: Reforms and Improvements 

  • Describe any potential reforms and improvements that      are currently being discussed at either the local, state, or federal      level. Your work must be based upon scholarly research, not media      commentary. 
    • Examples could include the following: 
      • Federal modifications (i.e., Medicare reform,        repealing PPACA, universal type system, etc.) 
      • State modifications(i.e., Medicaid reform, income tax        credits, etc.)
      • Increased consumer controls

Note: The PPACA is not an appropriate reform or improvement to be described here because it is already law and not a future improvement. However, if there is a proposal to amend or eliminate, then you can include that potential reform.
 

Conclusion: Future of the U.S. healthcare system

  • Explain what you believe the U.S. healthcare system      will look like in the next 10 years. Give at least two recommendations for      change.
  • Address access to care, quality of care, and cost of      care including an example of each in your vision of our future healthcare      system. 

 Creating the Final Presentation
The Final Presentation must:

  • Be 15 to 20 slides, which includes Part 1, (excludes      the title slide and reference slides) and formatted according to APA style      as outlined in the Ashford Writing Center.
  • Be presented using Microsoft PowerPoint slide      presentation.  You have a choice of one of the following options for      adding the narrative to your presentation. Option 1 is using voice or      Option 2 is adding speaker notes to each slide.
    • Option 1: Recording your voice on each slide. You can       view the tutorial using this link: adding and       recording voice to each slide.You can also       click on the following links to view the Accessibility Statement and Privacy Policy. If you choose this option, you must include your APA       formatted citation in the speaker note section of the PPT as well.
      • Note: if you use the voice option, make sure your        recordings are clear and concise. It is also important to know that        adding voice narrations that are too lengthy and adding graphics may        cause your PPT file to be very large (megabytes). You may have trouble        loading it to Waypoint. Revisions may be necessary if this occurs.
    • Option 2: Using speaker notes for each slide in the       PPT. You can review the tutorial using this link: adding speaker notes       to your presentation. You can also click on the following links to view       the Accessibility Statement , and the Privacy Policy. 
      • Speaker notes are the typed notes that appear below        the slide that complement the presentation slides. Whereas the slides        will have short bulleted items, the speaker notes will be more detailed.        They are essentially what the presenter would say during the presentation        to explain each of the bulleted points on the slide. Therefore, it is        important that the speaker notes are concise and detailed when        explaining the bullet points.
insert notes
  • It is recommended that PowerPoint Slides contain no       more than five bullet points and should not contain more than 5 – 7 words       each. Do not type paragraphs or long sentences on the slide. The       information that explains each bullet point is conveyed via speaker notes       or by recording your voice to each slide.
  • It is required that the Microsoft PowerPoint       presentation include the use of a voice or speaker notes. If you choose       to use the voice capabilities within PowerPoint, you must include your       citations in the speaker notes for each slide.
  • Be visually engaging. For assistance with designing the      visuals for your presentation, view the video Don McMillan: Life after death by PowerPoint (click on the following links to view the Accessibility Statement or the Privacy Policy) or the PowerPoint Best      Practices tool. 
  • Include a title slide with the following: 
    • Title of the presentation
    • Student name
    • Course name and number
    • Instructor name
    • Date submitted
  • Address the sections in the order outlined above      (Introduction, Part I, II, III, and IV).
  • Present the issues with critical thought.
  • Use at least two scholarly sources (none of which      should be media commentary, at least one should be from the Ashford University      Library).
  • Document all sources in APA format (including graphics,      charts and pictures that may be used within the presentation). Wikimedia Commons is a recommended source for creative commons images      (to view the privacy policy, click here).
  • Include a separate reference slide formatted according      to APA style as outlined in the Ashford Writing Center.

If you are unable to access the technology for this assignment due to a documented accommodations on file with the Office of Access and Wellness, inform your instructor as soon as possible.
 

Carefully review the Grading Rubric for the criteria that will be used to evaluate your assignment.

 

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Forecasting Pro Forma Financial Statements:

Please, the numbers are in the attachment

CASE 9–1: Forecasting Pro Forma Financial Statements: Refer to the following financial statements for Kodak:

Please, find the statement in the attachment

Required:

Prepare forecasts of its income statement, balance sheet, and statement of cash flows for 20×7 under the following assumptions:

  • a. All financial ratios remain at 20×6 levels.
  • b. Kodak will not record restructuring costs for 20×7.
  • c. Taxes payable are at the 20×6 level of $544 million.
  • d. Depreciation expense charged to SG&A is $765 million and $738 million for 20×6 and 20×5, respectively.
  • e. Gross PPE is $12,982 million and $12,963 million for 20×6 and 20×5, respectively.
  • f. Projected current maturities of long-term debt are $13 million for 20×7.

References:

K. R. Subramanyam, J. J. (2009). Financial Statement Analysis 10th edition. New York: McGraw-Hill/Irwin


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when using information from an Internet document in your speech

Question 1 
Three purposes of a career research interview are to 
Answer get references, get referrals, write your resume. 
be remembered, prepare a resume, get references 
read, remember, write. 
conduct research, be remembered, get referrals.

Question 2 
To avoid plagiarism when using information from an Internet document in your speech, your textbook recommends that you keep a record of
Answer the title of the document. 
the author or organization responsible for the document. 
the date on which you accessed the document. 
a and b only

Question 3 
Communication based on a speaker’s body and voice, rather than on the use of words, is called
Answer implicit communication 
non-verbal communicationunintentional communication 
instinctive communication 
physical communication. 

Question:

You are thinking of adding one of two investments to your already well-diversified portfolio.
Security A Security B
Expected return = 12% Expected return = 12%
Standard deviation of returns = 11.0% Standard deviation of returns = 20.1%
Beta = 2.0 Beta = 0.9
If you are a very risk-averse investor, which security is the better choice? (1)
a. Security A.
b. Security B.
c. Either security would be acceptable.
d. Cannot be determined with the information given.

Question 1 
People spend more time __________ than in any other communication activity.
speakingwriting 
reading 
listening 
discussing 

Question 2 
Malcolm said “um” or “uh” every time he got to a new PowerPoint slide in his informative speech. His instructor told Malcolm to reduce the number of _________ in his next speech.
 fillers 
vocal inflections 
intonations 
vocalized pausesinflections 

Question 3 
According to your textbook, a common mistake students make when developing their first speech is
 using PowerPoint improperly. 
trying to cover too much material.not doing enough library research. 
a and c only. 

Question 1 
Survey results indicate that the leading factor shaping interviewers’ initial impressions of the candidates is 
 the appearance of the resume. 
the clothing the candidate wears to the interview.the candidate’s eye contact during the rapport stage of the interview. 
the firmness of the candidate’s handshake. 

Question 2 
Which of the following is mentioned in your textbook as a responsibility of every member in a small group?
 develop hidden agendas 
reach solutions swiftly 
call for a vote on major decisions 
all of the above 
none of the above

Question 3 
According to your textbook, when citing sources during a speech, a speaker should usually identify the 
 book, magazine, newspaper, or Web document being cited. 
author or sponsoring organization responsible for the document. 
qualifications of the author with regard to the topic. 

Question 1 
Which of the following is an instance of informative speaking?
 a teacher praising parents for contributing to the school carnival 
a teacher arguing that phonics is a successful method for teaching reading 
a teacher explaining the requirements for an assignmentall of the above 

Question 2 
How do the following main points for a speech about the achievements of Ida Wells-Barnett violate the guidelines presented in your textbook for organizing main points?
I. As a teacher, Wells-Barnett spoke out against inferior school facilities for African-American children.
II. As a journalist, Well-Barnett campaigned against lynching.
III. In the early 20th century, Wells-Barnett expanded her activities.
Answer The main points should have been arranged in causal order. 
The main points don’t each deal with a separate aspect of the topic. 
The main points don’t divide the topic consistently.all of the above. 

Question 3 
The _____ is a one-sentence statement that sums up or encapsulates the major ideas of a speech.
specific purpose 
central ideaintroduction 
general purpose 
outline 


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