Assume a commercial building is selling for $500,000 and will have rental income as follows: year 1: 40,000; year 2: 45,000; year 3: 52,000; year 4: 56,000; year 5: 63,000. You have good estimates of future value and expect to be able to sell it for $700,000 at the end of year 5. Your required rate of return is 9%. According to your NPV analysis should you buy the building?

You are given information on the following alternative cash flow streams. Assuming an interest rate of 8% p.a. which alternative cash flow stream has the lowest future value at the end of year 7?

Group of answer choices

$20,000 per year, at the end of each year, for the next 7 years.

$50,000 at the end of year 1 and $70,000 at the end of year 2.

$100,000 today.

$160,000 at the end of year 5.

What is the internal rate of return, net present value with a 10% interest rate, and net present value with a 20% interest rate of this project. The cash flows are as follows:

Year 0 - Initial investment - 20,000 (make sure to make investments negative values in Excel cash flow)

Year 1 - 8,000

Year 2 - 8,000

Year 3 - 9,000

Year 4- 12,000

No value after year 4.

"A new asset is available for $236,000. O&M costs are $10,000 each year for the first five years, $13,300 in year six, $19,300 in year seven, and $28,800 in year eight. Salvage values are estimated to be $144,000 after one year and will decrease at the rate of 49% per year thereafter. At a MARR of 10%, determine the economic service life of the asset. Enter your answer as an integer from 1 to 8."

Answer is 8

Financial Statement Analysis Paper Written Assignment

One basic method that an accountant can use to analyze the financial situation of a business is ratio analysis. This can be a useful tool no matter the type of legal structure of the business and regardless of whether ownership is public or private. To help assure the availability of the necessary data, though, this assignment will be focused solely on a publicly traded company. As an overview, you will choose a publicly traded company from a list provided at the end of this assignment. Locate the company's website, retrieve the latest company's annual report from that site, calculate specific ratios for the latest two fiscal years, and respond to a limited number of analysis questions. Please note that this entails far more than finding precalculated ratios from a website such as Yahoo! Finance or Google Finance. If you desire, you can use such a site for a reasonableness check on the results of your calculations, but any such comparisons should not be part of your resulting paper. Also, you might not match exactly to their figures anyway because those may include quarterly updates. The paper should be three to four double-spaced pages (not counting the cover page and bibliography). The font size should be 12-point and the type can be Times New Roman, Verdana, or Arial. Your paper should be properly cited using APA referencing style. This means that citations should be in a bibliography and in the body of the paper wherever you refer to or directly quote any information or terms from other sources. Please submit your paper no later than midnight Sunday at the end of Week 6. For the section showing the ratio calculations, provide appropriate details regarding the formula used, the source of the data, and the resulting calculations. Although you are certainly welcome and encouraged to use Excel to complete these tasks, copying and pasting from Excel into the Word document is discouraged unless it can be done in a manner that is cosmetically appropriate. The requirements for the ratio analysis section are as follows. Compute the following for each of the two most recent years. Profit margin Return on shareholders' equity Current ratio Interest coverage ratio Document your work by properly citing items such as the following. The website for the company The web page link for the annual report The page number of the annual report Appropriate details of the calculations

The questions that should be addressed in the second section of the paper are as follows.

If you were an accountant for a potential vendor for this company, explain which of these ratios would be of the most interest to you. Would there also be a second ratio of interest to you?
If you were an accountant for a potential investor in this company, explain which of these ratios would be of the most interest to you. In your opinion, what other ratio or ratios beyond the ones listed above should also be considered in an investment context?
What is your overall opinion of this company based on the limited analysis completed via the four ratios?

Feel free to mention any questions that you feel should still be considered in view of the ratios or the changes from one year to the next. Please also consider these suggestions for your success on this assignment. If you choose a company from the list and have any trouble finding its website, the annual reports, or specific information, consider selecting a different company from the list instead. If the company has subsidiaries, be sure to use the consolidated financial statements. Be sure to use the financial statements rather than summaries elsewhere in the annual report. List of companies (choose one):

Barnes & Noble, Inc.
Intuit Inc.
The Kroger Co.
Macy's Inc.
Dell Inc.
Family Dollar Stores Inc.
Kodiak Oil & Gas Corp.
Tractor Supply Company
Verizon Communications Inc.

Show work for full credit

Possible Selves

On a business trip, Jewel found a spare afternoon to visit Trisha. Sitting in a coffee shop, the two women reminisced about the past and thought aloud about the future. “It’s been tough living on my own and building the business,” Jewel said. “What I hope for is to become better at my work, to be more community-oriented, and to stay healthy and available to my friends. Of course, I would rather not grow old alone, but if I don’t find that special person, I suppose I can take comfort in the fact that I’ll never have to face divorce or widowhood.” Jewel is discussing possible selves, future-oriented representations of what one hopes to become and what one is afraid of becoming. Possible selves are the temporal dimension of self-concept—what the individual is striving for and attempting to avoid. To lifespan researchers, these hopes and fears are just as vital in explaining behavior as people’s views of their current characteristics. Indeed, possible selves may be an especially strong motivator of action in midlife, as adults attach increased meaning to time (Frazier & Hooker, 2006). As we age, we may rely less on social comparisons in judging our self-worth and more on temporal comparisons—how well we are doing in relation to what we had planned. Throughout adulthood, the personality traits people assign to their current selves show considerable stability. A 30-year-old who says he is cooperative, competent, outgoing, or successful is likely to report a similar picture at a later age. But reports of possible selves change greatly. Adults in their early twenties mention many possible selves, and their visions are lofty and idealistic—being “perfectly happy,” “rich and famous,” “healthy throughout life,” and not being “a person who does nothing important.” With age, possible selves become fewer in number, more modest and concrete, and less far-off in realization. They are largely concerned with performance of roles and responsibilities already begun—“being competent at work,” “being a good husband and father,” “putting my children through college,” “staying healthy,” and not being “a burden to my family” (Bybee & Wells, 2003; Chessell et al., 2014; Cross & Markus, 1991). What explains these shifts in possible selves? Because the future no longer holds limitless opportunities, adults preserve mental health by adjusting their hopes and fears. To stay motivated, they must maintain a sense of unachieved possibility, yet they must still manage to feel good about themselves and their lives despite disappointments (Bolkan & Hooker, 2012). For example, although Jewel feared loneliness in old age, she reminded herself that marriage can lead to equally negative outcomes, which made not having attained an important interpersonal goal easier to bear. In a study of middle-aged and older adults, those with balanced possible selves—related hoped-for and feared outcomes, such as “a better relationship with my grown sons” and “not alienating my daughters-in-law”—made greater self-rated progress toward attaining their self-relevant goals over a 100-day period (Ko, Mejía, & Hooker, 2014). Because balanced possible selves provide both an approach and avoidance focus, they may be more motivating than either hoped-for or feared possible selves alone

• What possible selves do you think you may become in mid-life and old age (say, age 50 and beyond)?
• What possible selves do you fear becoming in mid-life?  Do you think your view will change as you age?

PROS AND CONS OF A SECOND JOB

There was a time when moonlighting—taking on work in addition to your full-time employment—was for under-employed workers and the severely cash-strapped.
Today, even working professionals can be cash-strapped, and people in all fields and income groups are supplementing their main income by moonlighting. For some, the second job isn’t just for the bucks but also for the skills and the sense of being a free agent.
And although extra part-time jobs used to be verboten, many supervisors are flexible about a team member who picks up a gig on the side.
Experts suggest weighing the pros and cons carefully before you take on a second job.

Pros

Money—That’s still the biggest reason people take on extra work. And with gas above US$4 a gallon—and rising healthcare premiums, and income freezes—extra income can be a lifeline.

Security—“Many professionals today are looking at second jobs as a fallback because they feel, correctly, that their main job is not completely safe,” according to John McKee, president and founder of BusinessSuccessCoach.net and author of “Career Wisdom.”

Freedom—A second job or career can bring psychological benefits, such as the feeling of not being shackled to one company, experts say.

New skills—If you’re thinking about switching careers but can’t take the plunge, taking a part-time job could be a way to test the waters or boost your entrepreneurial skills, McKee said.

Cons

Time—Do you really want to spend 10 or 20 hours a week on another job, not to mention the commute hassle and the disappointment of significant others who’d rather see more of you, not less?

Conflict of interest—Consulting for a direct (or even indirect) competitor can put you in a dicey situation, according to J Daniel Marr, managing director of the New Hampshire law firm Hamblett and Kerrigan.
“This is a big issue in software and industries where you use part of what you learned from your primary employer,” Marr tells Yahoo HotJobs.
“Employers insist they have rights to your intellectual property.”

Performance slippage—One reason many employers look askance at moonlighters is the fear that they’ll burn out. Some companies may demand your full time and attention, even off-hours.

Employer irritation—Even if the company allows moonlighting, supervisors might not like the idea. “Some will say angrily, ‘We’re paying this guy x dollars a year and it’s still not enough?’” Marr says.

Tips to make it work

If you are considering a second job, the experts add these three tips: Pick an unrelated field—You’ll reduce the risk of burnout and conflict of interest. A nurse who builds websites part-time, a marketing professional who teaches music, or an insurance adjuster who moonlights as a landscape architect would be safer bets.

Check with HR—Many companies have moonlighting policies. But even if they don’t, it’s wise to see if your second job might be a conflict, especially if you’re considering a professional part-time job or one that’s related to your full-time job, Marr says.

Consider why you’re doing it—“Supplementing income is fine, but it’s best if a second job is part of an overall life and career plan,” McKee says. “Otherwise you risk scattering your resources.”

QUESTION:

1. State  what aspects of the article, if practised can help shape your country in a better way and why. Also state why information in the article may be helpful to Human Resource personnel.

Pick ONE of the following options: Develop an ad campaign for a company/product/service related to your employment (note that if your employment is B2B in nature, most B2B doesn’t involve much advertising. They tend to use other promotional elements. So keep that in mind), OR Develop an ad campaign for your very own local tanning salon OR sporting goods store that’s been in business for just over one year To try to develop demand for your company/product/service -- OR to resuscitate your ailing store -- you've decided to conduct an ad campaign. Following the steps outlined in the Lecture from Chapter 18, provide a detailed description of your campaign. Be sure to mention each of the areas listed below. Also be sure that you are focusing on strategies for this specific ad campaign -- not simply your advertising or marketing in general. Do not use any current advertising campaign! NOTE: If you select your current employer who uses a differentiated strategy, select only one specific target market for this campaign. Introduction Please start by giving a brief explanation of the product/service/store you are advertising. Step 1 -- target market of this specific ad campaign Provide a geographic, demographic, and psychographic description of your target. I am looking for an insightful description of your target. Step 2a -- objective of this specific ad campaign Be sure you identify what you want this ad campaign to accomplish. Which of the types of advertising (informative, persuasive or reminder) will you be using and why? Step 2b -- focus of campaign What will be the focus of your ads – product-focused or institutional? Why? (NOTE: In addition to your text, see the lecture for clarification of these terms). Step 3 –- determine your budget Think about the size of your business, overall sales and success. You don’t need a specific budget number but discuss how these areas will affect how much you are able to spend and whether that potentially eliminates some types of media. Step 4a –- convey the message (Be creative!) Develop a unique selling proposition (USP) for the campaign. Make sure to provide an explanation of your rationale for the USP. Step 4b -- appeal Will you use an informational or emotional appeal? Why? Step 5a & b -– media types and vehicles. Describe which media types you will use and why. List the specific media vehicles for each type. A media vehicle is the specific communication tool. For instance if magazine is the media type, then Sports Illustrated or Cosmopolitan is the media vehicle; if TV is the media type then Food Network or “FOX2 News at 10pm” is the vehicle (it can be a cable network or a specific program). Step 5c -– media schedule How will you schedule your media? (continuous, pulsing, flighting)? Explain how your budget will help you make this decision. Step 6 -- IMC – integrating your ad with the rest of the promotional tools Identify and discuss other, non-advertising promotions you will use to coordinate with this ad campaign. Are there personal selling, sales promotions/incentives, public relations and/or social media efforts you’d like to include? (Keep being creative!) Really explore social media strategies using the information from Chapter 3. NOTE: In your book, step 6 is creating the ad but we are substituting IMC in this activity. Step 7 –- evaluating your campaign This is maybe one of the most important steps. How will you evaluate the effectiveness of your campaign? How will you know if it “worked?” How will you know if you should repeat the campaign, or completely revamp it? You can use some of the methods talked about in the lecture or your book.