QUESTION
Over the last few months, the Bank of Ghana ( has cracked the whip at the banking industry in a bid to restore sanity in the industry. In August 2017, the UT and Capital Banks were liquidated for failing to meet the bank of Ghana’s minimum capital ratio. The operations of UniBank, Royal Bank, Beige Bank, Sovereign Bank, and Construction Bank ended. In their place the bank of Ghana announced a new bank called the Consolidated Bank, as part of measures to ensure the banking sector maintains a strong indigenous presence.
The bank of Ghana  statement on closure of the banks said an Asset Quality Review of banks conducted in 2015 and 2016 found that some indigenous banks had inadequate capital, high levels of non-performing loans, and weak corporate governance which compelled bank of Ghana to crack the whip.

REQUIRED:
As a manager of a bank that was not closed down, what measures will you put in place to ensure that your bank will not be caught up in the same situation as the collapsed banks?

Problem: In order to do so Starbucks has closed 900 stores and eliminated 34,000 jobs. Strategy: Growth strategy of Starbucks is to have more revenue with lower costs. For strategy identification, let’s take a look at the way Starbucks sells their items, increase in their sales rate, attract more customers and advertise more but spend less. Opportunity: Starbucks is refocusing on some of the areas that decrease risk and up-front investment. This includes expanding foreign stores, with aid of partnerships that share risk and costs, selling VIA instant coffee and other products in retail and convenience stores, and reinvigorating the Seattle’s Best Brand coffee. Evaluation: The strategy was proposed after following a defined process of analysis and drawing inference as all the study and their result is also included in the proposal. Recommendation: As Starbucks is cutting down jobs, they can implement self-ordering interactive screens where users can place their order. please elaborate more on the problem and incorporate more to make it 1-2 pages long.

Thomson Media is considering some new equipment whose data are shown below. The equipment has a 3 year tax life and would be fully depreciated by the MACRS method over 3 years, but it would have a positive pre-tax salvage value at the end of year 3, when the project would be closed down. Also, additional net operating working capital would be required, but it would be recovered at the end of the project's life. Revenues and other operating costs are expected to be constant over the project's 3 year life. What is the project's total cash flow in year 3? Create a table. DO NOT USE EXCEL

-Net investment in fixed assests = $70,000

- Required net opertaing work capital = $15,000

-Depreciation (MACRS): 33% in year 1

45% in year 2

15% in year 3

7% in year 4

- Earnings before taxes & depreciation = $54,000

- Expected pre-tax salvage value = $6,000

- Tax Rate: 35%

- WACC: 8%

Thomson Media is considering investing in some new equipment whose data are shown below. The equipment has a 3-year class life and will be depreciated by the MACRS depreciation system, and it will have a positive pre-tax salvage value at the end of Year 3, when the project will be closed down. Also, some new working capital will be required, but it will be recovered at the end of the project's life. Revenues and cash operating costs are expected to be constant over the project's 3-year life. What is the project's NPV? Enter your answer rounded to two decimal places. Do not enter $ or comma in the answer box. For example, if your answer is $12,300.456 then enter as 12300.46 in the answer box. WACC 14.0% Net investment in fixed assets (depreciable basis) $60,000 Required new working capital $10,000 Sales revenues, each year $75,000 Operating costs excl. depr'n, each year $30,000 Expected pretax salvage value $7,000 Tax rate 35.0%

Thomson Media is considering some new equipment whose data are shown below. The equipment has a 3-year tax life and would be fully depreciated by the straight-line method over 3 years, but it would have a positive pre-tax salvage value at the end of Year 3, when the project would be closed down. Also, additional net operating working capital would be required, but it would be recovered at the end of the project's life. Revenues and other operating costs are expected to be constant over the project's 3-year life. What is the project's NPV? WACC 10.0% Net investment in fixed assets (depreciable basis) $70,000 Required net operating working capital $10,000 Straight-line depreciation rate 33.333% Annual sales revenues $75,000 Annual operating costs (excl. depreciation) $30,000 Expected pre-tax salvage value $5,000 Tax rate 35.0% A. $20,762 B. $21,584 C.$23,005 D.$24,155 E.$25,363

Activity 10: Methods of Coping

For each of the following situations, give one example of an emotion-focused method of coping (i.e., seeking sympathy, rationalizing, redirection of attention) and one example of a problem-focused method of coping (i.e., taking direct action to deal with the problem). You can review pgs. 523-538 (section 14.4) for a refresher on what an emotion-focused and problem-focused method are.

1. One of your co-workers avoids you and describes you in an unfavorable and mean way to others.
   • Emotion focused:
   • Problem focused:
2. You are getting below-average grades in your chemistry class.
   • Emotion focused:
   • Problem focused:
3. You lost your job when the store in which you worked at closed down.
   • Emotion focused:
   • Problem focused:
4. The person you love has started acting distant with you.
   • Emotion focused:
   • Problem focused:
5. You just found out that one of your children needs a liver transplant.
   • Emotion focused:
   • Problem focused: