Failing to contribute the maximum amount to this retirement plan is simply giving up on free money; by doubling his current contribution of three percent, Chris would actually be tripling the amount added to the 401(k) each year due to the employer's matching policy. This account is also earning an estimated eight percent annually, not far behind the 9.5% the stock market is expected to earn, and the money in the 401(k) remain far more liquid with the ability to borrow up to 50% of the value at any given time, and at a rate lower than a mortgage and significantly lower than a secure personal loan (though funds must be repaid within five years). This strategy will build both short- and long-term growth to a much higher level without impacting the ability to have an emergency fund or purchase a home.
As the Nicholsons have short-term goals that are…...

Part Two

At 35 years, all equities will be purged from the portfolio to maximize safety (10% corporates, 70% Treasuries, 20% cash). This means that the fund will generate an average return of (0.48+2.31+.1) = 2.89%

Using Excel, it is determined that the value of the portfolio when John and Mary retire and Paul enters assisted living needs to be $5,775,134. With that level, the portfolio will have money until Paul turns 85, at which point the portfolio will no longer have value. The assumption here is that the payments for the assisted living around going to be held in cash, so there is a need for 20% of the portfolio to be cash, and much of the rest is Treasuries so that it is liquid. Maturities will need to be staggered so that there is a current portion reaching maturity each year, to avoid having to sell below par, thereby removing…...

9% for the past seven years (Index Mundi, 2009). An inflation rate of 2% per annum shall be assumed for our future cash flows model, the additional 0.1% reflecting a desire for conservativeness in our estimates.
Karl's pension pays him 80% of his current salary, which is not expected to increase in the final three years. The pension benefit is indexed to inflation. e will assume a 30% tax rate for both pre- and post-retirement income.

The couple is breaking even at present, with a surplus of €264 expected for 2010. This assumes minimal work for Beatrix, so anything she works above and beyond the €15,000 threshold will allow the couple to save more money for their retirement. ith no raises and no additional work from Beatrix, the couple will run a small deficit for their last two working years.

In retirement, the couple will not make enough money to support themselves. Their…...

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Works Cited:

Ibbitson, R.; Xiong, J.; Kreitler, R.; Kreitler, C. & Chen, P. (2007). National savings rates guidelines for individuals. Journal of Financial Planning. April 2007.

Index Mundi. (2009). Germany Inflation Rates. Index Mundi. Retrieved November 16, 2009 from  http://www.indexmundi.com/germany/inflation_rate_%28consumer_prices%29.html 

McClure, B. (2009). Modern portfolio theory: An overview. Investopedia. Retrieved November 16, 2009 from  http://www.investopedia.com/articles/06/MPT.asp 

No author. (2009). German government bonds. Bloomberg. Retrieved November 16, 2009 from  http://www.bloomberg.com/markets/rates/germany.html

By lowering interest rates, the government lowers the threshold of expected return for capital investments, thus making more investments economically viable. However, such supply side initiatives are weighed by firms against the potential income. If the economic outlook - that is to say the expected demand - is poor, such that the expected return will still not exceed the cost, then the investment will not be undertaken.
In speaking with a local FedEx station manager, investment decisions are typically made at head office in Memphis. The decisions are based on expectations of future demand. Most capacity decisions at FedEx involve land and building acquisitions (new stations) or airplane leases. Thus, they are typically made on the basis of long-term demand projections. These relate to specific measures such as long-term economic growth of the region, population growth of the region and other long-term macroeconomic indicators.

The timing of decisions, however, can relate…...

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Works Cited

Piana, Valentino. (2001). Investment. Economics Web Institute. Retrieved March 26, 2009 at  http://www.economicswebinstitute.org/glossary/invest.htm 

MacDonald, Nadia Tempini. (1999). Macroeconomics and Business. Cengage Learning. Retrieved March 26, 2009 at  http://books.google.com/books?id=MU3StwEAyz0C&pg=PA101&lpg=PA101&dq=investment+expenditure+determinants&source=bl&ots=RI6pmrsWgd&sig=KsuV03Ql501fcNRoQj6eR_EGJgM&hl=en&ei=G7rLSb7ZItuJtgfOze30CQ&sa=X&oi=book_result&resnum=7&ct=result 

Cunningham, Ralph. (2008). FedEx Boss Presses for Business Tax Changes. International Tax Review. Retrieved March 26, 2009 at  http://www.internationaltaxreview.com/?Page=9&PUBID=210&ISS=25204&SID=715638

INVESTMENT POJECT (OVEVIEW): As part, analyze performance potential industry BEVEAGE INVESTMENT POJECT (DETAILS): Assignment: You analyze beverage industry companies coca cola,(KO) monster (MNST) . Assess industry performance years assess expected future performance, , years.
Investment project

The modern day business environment is continually challenged by emergent threats from both within and outside its immediate environment. In other words, the micro and macro environments of economic agents raise both opportunities and threats, to which the companies have to adapt in an effort to perverse their competitiveness. Some of the more relevant examples of contemporaneous challenges include the changing needs and behaviors of the customers, the changing laws and legislations, the rapid pace of technologic development or the still ongoing economic crisis.

In such a complex environment, the investors are faced with difficulties in selecting the best options to place their capitals. They must therefore complete thorough analyses of the companies targeted, as well the…...

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References:

Deichert, M.; Ellenbecker, M.; Klehr, E.; Pesarchick, L.; Ziegler, K.; Industry analysis: soft drinks. College of Saint Benedict. Saint John's University. 2006.   accessed on November 19, 2012http://www.csbsju.edu/documents/libraries/zeigler_paper.pdf 

Google Finance Website. 2012.   accessed on November 19, 2012http://www.google.com/finance 

P/E ratio. Investopedia. (2012).   accessed on November 19, 2012http://www.investopedia.com/terms/p/price-earningsratio.asp#axzz2CfE0zFaM 

2011 Annual Report of the Coca Cola Company. Website of the Coca Cola Company.   accessed on November 19, 2012http://www.coca-colacompany.com/annual-review/2011/pdf/TCCC_2011_Annual_Review.pdf 

Investment Associates
Identify three ways that the H metrics can be used to justify the purchase on an HIS.

In the contemporary business environment, many organizations have identified that an effective Human esources (H) management enhances organizational effeciencies. To enhnace the functions of H department, firms have realized that the integration of Human esources Information System (HIS) provides primary infrastrutures by which H department performs effectively. Despite the benefits that an organization could accrue from the integration of HIS investment, effective cost-benefit analysis (CBA) is critical to make an investment decision. Without a comprehensive CBA on HIS investment, the HIS project may be disatratrous and a firm may not enjoy the benefits from such investment. One of the effective methods that a firm could employ for the justification of HIS investment is the use of human resources metrics. The H metrics reveal the number of factors human resources contribute to the business…...

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Reference

Kavanagh, M., & Thite, M. (2009). Human resource information systems: Basics, applications and future directions. Thousand Oaks, CA: SAGE Publication, Inc.

Calson, K.D. & Kavanagh, M.J. Cost Justifying HRIS Investment: Chapter 6

29%
2.1

Man Group

12.56%

12.94%

2.34%

1.5

Marks & Spencer Group

4.60%

17.10%

8.33%

0.8

Meggitt

2.62%

65.59%

4.64%

1.0

Morrison (Wm) Supermarkets

3.66%

13.23%

7.00%

0.4

3.05%

69.65%

25.61%

0.6

Old Mutual

3.24%

26.38%

0.41%

1.5

Pearson

3.77%

50.96%

8.51%

0.8

Petrofac Ltd.

2.15%

62.80%

11.03%

1.5

Prudential

3.47%

14.73%

0.54%

1.6

andgold esources Ltd.

0.45%

20.71%

14.89%

0.4

eckitt Benckiser Group

3.57%

0.00%

12.35%

0.6

eed Elsevier

4.10%

54.47%

34.72%

0.8

esolution Ltd.

8.21%

0.00%

-0.05%

1.0

exam

3.43%

23.66%

6.14%

0.8

io Tinto

2.66%

15.32%

4.87%

1.7

olls-oyce Holdings

2.16%

33.86%

5.18%

2.1

SA Insurance Group

8.88%

15.67%

1.89%

1.0

SABMiller

2.01%

23.13%

6.16%

1.0

Sage Group

3.39%

6.89%

0.9

Sainsbury (J)

5.00%

11.50%

5.61%

0.8

Schroders

2.68%

8.82%

2.27%

1.4

Schroders (Non-Voting)

3.45%

8.82%

2.27%

0.8

Severn Trent

4.18%

7.81%

3.56%

0.4

Smith & Nephew

1.81%

41.03%

12.26%

0.8

Smiths Group

3.52%

44.25%

10.58%

1.1

Standard Chartered

3.20%

13.15%

0.81%

1.3

Standard Life

6.25%

12.32%

0.19%

1.1

Tate & Lyle

3.44%

16.67%

5.34%

0.6

Tesco

4.49%

16.36%

5.62%

0.7

Tullow Oil

0.83%

30.01%

6.10%

1.3

United Utilities Group

5.05%

7.08%

4.91%

0.4

Vedanta esources

2.79%

13.60%

2.67%

2.2

Vodafone Group

5.25%

13.41%

5.27%

0.4

Whitbread

2.44%

17.73%

8.01%

0.8

Wolseley

1.91%

14.80%

3.44%

1.3

WPP

2.93%

73.30%

3.34%

1.2

Optimal Portfolio

After carefully analyzing the table 1 and calculating the financial measures of all stocks in Table 1, we select one high performing stock from every industry listed to have well diversified portfolio. Based on our analysis, we did not select stocks from banking industry because they have relative high risks negative returns and high standard deviation as well as having negative excess return and negative beta. Additionally, we removed the insurance sector from the list because the firms under this sector have low returns with relatively high standard deviation, thus, generally having high risks. Based on our evaluation we need a portfolio that have high returns perspective with generally low risks features. We selected our…...

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References

Evans, J & Archer, S (1968) Diversification and the Reduction of Dispersion: an Empirical Analysis. The Journal of Finance . 23 (5): 761-767.

Chandra, P. (2008).Investment Analysis (3rd Edition).Tata McGraw-Hill Education. UK.

Investopedia (2012). Beta. Investopedia. ULC.

Mase, B. (2007), the Impact of Changes in the FTSE 100 Index. Financial Review, 42(3): 461 -- 484.

Harley-Davidson Retail Sales and Deliveries

Source: Seeking Alpha (2007)

Over the past four years, account receivable growth has outpaced sales and the result is there is more inventory on dealer's lot than at any time in the history of HOG. The analysis states: "If the additional dealer inventory build was taken out of Harley's EPS from the previous two years and shipments evenly distributed throughout the quarters then Harley would have reported $3.41 last year and $3.14 in 2005 or a full $1.00 less of EPS over the past two years. Without dealer build, HOG would have reported net income without inventory build of $891 MM in 2006 and $838 MM in 2005 versus $889 MM in the base year 2004 placing the current P/E of the firm at an estimated 18x versus the current 15.6x. " (Seeking Alpha, 2007)

Accounts Receivable Trends Over Past Four Years

Source: Seeking Alpha (2007)

The Seeking Alpha analysis…...

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Bibliography

Harley-Davidson Reports 2007 Third Quarter Results - Harley-Davidson Inc. (2007) Form 8-K (Current Report Filing) Filed 10-24-07 for the period Ending 10-19-07. Online available at recent MSN Money report relates that Harley-Davidson related on December 21, 2007 that it would announce its fourth quarter 2007 financial results before market hours on Friday, January 25, 2008.http://www.shareholder.com/Common/Edgar/793952/897069-07-1900/07-00.pdf

Harley-Davidson, Inc. Web-Cast Conference for Friday, January 25, 20089. (2007) MSN Money Online available at  http://news.moneycentral.msn.com/ticker/article.aspx?symbol=U.S.:HOG&feed=PR&date=20071221&id=7973673 

Hog (Harley-Davidson) Analysis (2007) Financial News and Investments. 6 October 2007.

Harley Davidson Inc. HOG (NYSE) (2007) Reuters News - Key Developments. 30 Dec 2007. Online available at  http://stocks.us.reuters.com/stocks/keyDevelopments.asp?symbol=HOG

Investment higher education important investment anticipating a national return.This relevant tool promoting economy eradicating poverty world. However, a huge problem taking consideration, inequality barriers colleges universities admission-based social demographic background.
Investments in Higher Education

The economic situation of most countries is in decline as a result of several environmental factors. The level of poverty is numerous countries has become a problem for these countries, but also for richer countries that must invest in helping poor regions in the world to improve their situation. The number of people living under subsistence levels is increasing, which means that something must be done in order to redress the situation.

The answer to the problem of promoting economy and eradicating poverty seems to be higher education. Whenever state governments present their long-term strategy for economic development, they consider investments in higher education the most important tool that can provide a national return. In other words, they consider…...

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Reference list:

1. Alon, S. (2009). The Evolution of Class Inequality in Higher Education: Competition, Exclusion, and Adaptation. American Sociological Review. Retrieved April 10, 2013 from  http://people.socsci.tau.ac.il/mu/salon/files/2010/10/the-evolution.pdf .

2. Desai & Kulkarni (2008). Changing Educational Inequalities in India in the context of Affirmative Action. Retrieved April 10, 2013 from  http://www.ncbi.nlm.nih.gov/pmc/articles/PMC2474466/ .

3. Tienda, M. (2009). Hispanicity and Educational Inequality: Risks, Opportunities, and the Nation's Future. Retrieved April 10, 2013 from  http://www.ets.org/Media/Research/pdf/PICRIVERA1.pdf .

Investments Assets
Stocks

A stock is a share of ownership in a company, representing a claim on the company's assets and earnings. The importance of being a shareholder is that the investor has a claim on assets and is entitled to a portion of the company's profits, which may be paid out in the form of dividends (Stock basics, 2011).

There are positive and negative aspects to stock ownership. One such positive is that the shareholder is protected by limited liability, that is, he or she is not personally liable if the company is not able to pay its debts. Owning stock means that, no matter what, the maximum value an investor can lose is the value of the investment. Another advantage of owning common stock is that shares are highly liquid for the most part, with many stocks traded daily (Stock basics, 2011).

One of the risks of becoming an owner is that…...

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Reference List

Bond basics: What are bonds? (2011). Investopedia. Retrieved May 10, 2011, from  http://www.investopedia.com/university/bonds/bonds1.asp 

Folger, J. (2011). Investing in the metals markets. Retrieved May 13, 2011, from  http://www.investopedia.com/articles/stocks/11/how-to-invest-in-the-periodic-table.asp 

McGrath, J. (2011). How do bonds work? How Stuff Works website. Retrieved May 10, 2011, from  http://money.howstuffworks.com/personal-finance/budgeting/bonds1.htm 

Mutual funds: What are they? (2011) Investopedia. Retrieved May 10, 2011, from  http://www.investopedia.com/university/mutualfunds/mutualfunds.asp

Investment Spending and Worker ProductivityThe economy of a country entails more than the sum of every individuals economic status. In essence, a countrys economy is a collection of the transaction and values beyond a persons actual cash in hand (Smyth, 2019). Investment spending and labor productivity are some of the factors that shape the economy of a country. An investment is a term used to refer to money or resources spent on something with expectations of future benefits. Investment spending can involve dedicating money to bonds, stocks, and shares or even capital spending. On one hand, investment spending enhances the capacity of a business to create its respective goods and services. On the other hand, investment spending back into the economy stimulates the growth and productivity of the national economy. Worker productivity refers to the number of products and services produced by a group of workers in a specific time…...

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References

Cambon, S.C. (2021, June 28). U.S. News --- The Outlook: Capital spending set to drive growth. The Wall Street Journal.

Habanabakize, T., Meyer, D.F. & Olah, J. (2019). The impact of productivity, investment and real wages on employment absorption rate in South Africa. Social Sciences, 8(12), 1-15.

McMahon, M. (2020, May 29). Why is uncertainty so damaging for the economy? Retrieved August 9, 2021, from  https://www.economicsobservatory.com/why-uncertainty-so-damaging-economy 

Smyth, D. (2019, November 15). How does investment affect productivity and economic growth? Retrieved August 9, 2021, from  https://bizfluent.com/info-10010620-investment-affect-productivity-economic-growth.html

Using Investment Philosophy and Strategy to Make Investment Decisions 1. Which investments did you chose?
The portfolio requires a mix of United States companies and foreign companies. The three investment that I chose consist of China Life Insurance, Proctor & Gamble, and Wells Fargo. The following is a portfolio that delineates all the pertinent information of the investments:
Stock
Symbol
Cost/Share
Purchase Price
Number of Shares
Total Cost
Gain
Transaction Costs
Total Costs
Proctor & Gamble Company
PG
$ 87.58
$ 86.95
1,600
$ 139,120.00
$ 1,008.00
$ 347.80
$ 139,467.80
Wells Fargo & Company
WFC
$ 54.26
$ 53.50
1,700
$ 90,950.00
$ 1,292.00
$ 227.38
$ 91,177.38
China Life Insurance
LFC
$ 17.41
$ 17.24
7,000
$ 120,680.00
$ 1,190.00
$ 301.70
$ 120,981.70
In total, the investment of these three stocks will amount to $351,626.88 with the rest of the funds being set aside for future investments.
The following are eight financial ratios and other measures for analyzing the three investments in the portfolio. These financial ratios are based on the company’s most recent financial quarter ending June 2017.
Financial Ratio
Wells Fargo & Company
China Insurance Company
Proctor & Gamble
Profit…...

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References

Morrell, A. (2017). Wells Fargo beats on earnings, misses on revenue. Business Insider.

Qwoter. (2017). 6 Different Investment Philosophies. Retrieved from:

Yahoo Finance. (2017). China Life Insurance Company Limited. Retrieved from: https://finance.yahoo.com/quote/LFC?p=LFC

Yahoo Finance. (2017). The Proctor & Gamble Company. Retrieved from: https://finance.yahoo.com/quote/PG?ltr=1

Yahoo Finance. (2017). Wells Fargo & Company. Retrieved from: https://finance.yahoo.com/quote/WFC/

http://www.qwoter.com/college/Trading-Psychology/different-investment-philosophies.html

Debt Management and Retirement Planning It is very important for Howe to pay all their debts and free themselves of the liability since a lot of loan like credit card loan, car loan, student loan, are hampering Howes to save up more. If they have plans for retiring in 22 years, they need to free themselves of all the loans and credit they have on them, thus saving up the interest money that goes out monthly. They can use that money for other expenses and purposes. In short term they might feel like they have lesser funds but they can have the relief that they don’t own anything to anyone and focus on saving for their future. There will be one more debt addition because of Pat’s college education, so it’s better they slowly focus on paying off the loans first and then proceed to making progress with the savings once…...

Case Study Part I
Suppose Jagdambay manufacturing sells a bond paying a coupon rate of 5% per year with par value (face value) of $200,000 when the market rate is only 4% per year. The bond has 5 years until maturity.
What is the bond’s price today if market rate is 5%? Show your computations
The issuance of bonds is done with a fixed par value and the dividends paid out to preferred stockholders is done on the basis of a percentage of that par value at a fixed rate. The present day bond price is calculated as follows:
Bond Price = c / (1 + i) + c / (1 + i)2 + …+ c / (1 + i)n + M / (1 + i)n
In this case,
C is the coupon payment = $200,000
I is the interest rate = 5 percent
M is the value at maturity = 4 percent
n is the number of payments =…...

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References

Investopedia.com (n.d.). Bond basics. Retrieved from:

Investopdia. (n.d.). Bond Laddering. Retrieved from: https://www.investopedia.com/terms/b/bondladdering.asp

Woodside. (2009). Woodside to Issue $US 1 Billion in Corporate Bonds. Retrieved from: http://www.woodside.com.au/Investors-Media/Announcements/Documents/25.02.2009%20Woodside%20to%20Issue%20US$1%20Billion%20in%20Corporate%20Bonds.pdf

Investopedia. (2017). Why do interest rates tend to have an inverse relationship with bond prices? Retrieved from: https://www.investopedia.com/ask/answers/04/031904.asp

http://www.investopedia.com/university/bonds/

What effect does compound interest more frequently than annually have on its future value and the effective annual rate (EAR)? Explain. How would you explain the difference between the annual percentage rate (APR) and effective annual rate (EAR) to a friend with no background in finance?Compound interest allows interest to compound on itself over a specific holding period. As a result, owners of a particular asset earn interest on their original investment plus the interest that was accrued in prior periods. This creates a compounding effect that can take small sums of money and overtime, create very large sums of money (Belser, 1919). For example, a $1000 investment that earns 5% per year will earn $1050 at the end of one year. However, at the end of the second year the investment will be $1102.50. The interest in year two was 5% more than interest in year one, which is…...

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References

1. Belser, F. C. 1919. Rapid calculation of compound interest processes. Journal of Accountancy (April): 241-248

Since we do not know what you have put in your first page, it is a little difficult to tell you where to start on your second page.  What we are going to do is go over some of the negative effects of gentrification and give you some links to find more information about those negative effects.  Hopefully, this will help you get over your writer’s block and get past page two.

At first glance, gentrification may seem like a positive.  After all, gentrification means an upward trend economically for a historically economically disadvantaged neighborhood.  However, long-term residents....

To start this essay, we would begin by identifying ways that business could impact the environment.  Next, we would want to identify the businesses we wanted to highlight in the essay, focusing on their specific environmental impact.  We would want to select at least two businesses with different reputations for their environmental impact.  Companies that are known for having good environmental initiatives include Disney, Johnson and Johnson, Nike, eBay, Fisher Investments, Hewlett-Packard, Starbucks, and Ford Motor Company.  Companies have a bad reputation in terms of their impact on the environment include AES, PPL, ConAgra Foods, Coca Cola,....

A comparison and contrast essay on two specific service providers is a little different from comparison and contrast essays on ideas or people because you are going to always want to focus on the customer’s experience.  However, if you are writing the essay for a business class, you would be focusing on different aspects such as corporate structure, stock price, etc.  So, keep that in mind when writing your essay.  Are you providing more of a user review or a business analysis and structure your essay accordingly.

It is also important to keep in mind that the COVID-19 pandemic has really....

Due diligence refers to the process of doing a proper investigation into something before taking an action.  Due diligence can have applications in a number of different contexts, but is most often discussed in the context of some type of business deal, when a person or organization has to make a decision about whether or not to enter into some type of business relationship (usually an investment relationship) with another type of person or organization.  Due diligence can be as simple as studying publicly available information to determine whether or not to purchase a stock....