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CFOs Big Data Opportunities in Firms

Words: 2057 Length: 7 Pages Document Type: Research Paper Paper #: 26742092

Introduction
The growth of big data has had significant transformative effects on several industries including technology, agriculture, health, education, and finance. Over the past decade, the number of humans using smartphones has increased tremendously and this has created a big pool of user data as smartphone users stamp their digital footprint all over the web. The electronic data collected as a result of these activities yield Big Data that provide valuable insights to decision-makers looking for data points to inform their decision processes. The growth of Big Data has necessitated the development of computer algorithms and tools that can analyze the data at scale. Good analysis and interpretation of the data allow organizations to ‘co-create’ solutions alongside their target users and create new value that is highly tailored to the needs of the market (Turner, Schroeck & Shockley, 2013).
The financial services sector is one of the industries that have…… [Read More]

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Financial Service Platform of UXB2B

Words: 1306 Length: 4 Pages Document Type: Case Study Paper #: 25165180

UXB2B: Chinese Taipei

The case of UXB2B speaks of a rather new technological procedure and application to resolve e-commerce issues related to internet security and e-finance logistics for trading partners in the supply chain industry. However, I digress. UXB2B is an e-commerce company that specializes in the development of e-business applications designed to enable supply chain integration through a streamlined and secure software link. Leadership Information: The CEO of the company has a research background in national defense and an educational background in computer and information science

The software, UXB2B had e-everything as its selling point. For example the software enabled eSales, eProcurement, and eFinance; collectively called "SaaS (Software as a Service)"

SaaS met the requirement that UXB2B sought to bring to the market place. The software enabled e-communication amongst all stakeholders to exchange information to open and close transactions via an interconnected system. t first glance, success in the…… [Read More]

Additionally, a SWOT Analysis or a Strength, Weakness, Opportunities, Threats analysis can reveal critical information necessary to identify an appropriate company to assist in the development of a new model for implementation in the new market. The critical nature of identifying the proper market and company to develop the platform for implementation is primary in the research stage prior to selecting the new company. The company selected will admire to know why their business was selected and what the potential market is for this technology.

APEC Asia-Pacific Economic Cooperation. UXB2B Chinese Taipei The Financial Service Platform. Copyright 2010 APEC Secretariat

APEC Asia-Pacific Economic Cooperation. UXB2B Chinese Taipei The Financial Service Platform. Copyright 2010 APEC Secretariat
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Financial Health Hyundai Company Analysis Finance Is

Words: 1699 Length: 5 Pages Document Type: Essay Paper #: 25931410

Financial Health

Hyundai company analysis

Finance is a critical function in any business. It acts as an indicator for the health of a company, as well as determining its growth. When a company realizes new investment opportunities and other future aspirations, finance enables such ventures. Thus, finance reflects the performance of an organization (Gruen & Howarth, 2005). Measurement of performance takes place over a period of time. Organizations practically present their financial performance on a quarterly and yearly basis while others carry out a monthly exercise of tracking their performance. The government requires that all companies present an annual assessment of their performance. The information is featured in the form of financial transactions of sales, investments, savings and others. The information is part of a document called the Annul eport. Investors are informed by the annual report of companies before deciding on whether to invest in the company (Mclean, 2003).…… [Read More]

References

Cleverly, W.O., Cleverly, J., & Song, P. (2011). Essentials of health care finance. Sudbury:

Jones & Bartlett Learning.

Gruen, R., & Howarth, A. (2005). Financial management in health services. New York: Open

Mclean, R. (2003). Financial management in health care organizations. Clifton Park: Delmar
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Service Quality Research the Research Discussed in

Words: 2696 Length: 8 Pages Document Type: Essay Paper #: 63790144

Service Quality esearch

The research discussed in this paper is based on the application of the SEVQUAL model to the restaurant sector of the hospitality service industry. The SEVQUAL model was developed in 1985 and has been refined since for use in the service industry. In contrast to goods, service quality has been difficult to measure because of the intangibility, variability and heterogeneity of the service. Moreover, the service quality depends on the interaction between service provider and consumer. The SEVQUAL model was developed to overcome these limitations. The research articles discussed in the following sections were all conducted to apply the model in the restaurant sector to evaluate the service quality of various kinds of restaurants.

In addition to the SEVQUAL model, another useful model is the DINESEV model which has also been used by a couple of the researches discussed in this paper. The researches discussed in this…… [Read More]

References

Chow, I.H., Lau, V.P., Lo, T.W., Sha, Z., & Yun, H. (2007). Service quality in restaurant operations in China: Decision- and experiential-oriented perspectives. Hospitality management, Vol. 26, pp. 698-710. Accessed from www.sciencedirect.com

Fitzsimmons, J.A., & Fitzsimmons, M.J. (2006). Service management. 5th ed. Tata McGraw-Hill.

Fu, Y., & Parks, S.C. (2001). The relationship between restaurant service quality and cnsumer loyalty among the elderly. Journal of hospitality tourism research, Vol. 25, pp. 320-336. doi: 10.1177/109634800102500306.

Grigoroudis, E., & Siskos, Y. (2009). Customre satisfaction evaluation: Methods for measuring and implementing service quality. Springer Publications.
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Service Quality of Singapore Airline

Words: 1774 Length: 6 Pages Document Type: Article Review Paper #: 95444893

Service Quality of Singapore Airline

The focus of this work in writing is the examination of the SERVQUAL model as it applies to a case study of Singapore Airlines in regards to service quality and the application of a conceptual model of service quality. This study will additionally explain the gap in service quality between firm and customer.

The work of Prayag and Dookhony-Ramphul (2010) report that the SERVQUAL model "is still the most widely used scale for measuring service quality. The SERVQUAL scale has been applied to airlines, hotels, financial services, health care, and the public sector." (p.3) uttle (1995) reports that SERVQUAL makes provision of a technology "for measuring and managing service quality (SQ). Since 1985, when the technology was first published, its innovators Parasuraman, Zeithaml and erry, have further developed, promulgated and promoted the technology through a series of publications." (p.8) It is reported that the AI/Inform…… [Read More]

Bibliography

Buttle, F. (1995) SERVQUAL: Review, Critique, Research Agenda. European Journal of Marketing 30,1. Oct 1994.

Parasuraman, A., Zeithaml, V.A. And Berry, L.L. (1985), "A conceptual model of service quality and its implication," Journal of Marketing, Vol. 49, Fall, pp. 41-50.

Parasuraman, A., Zeithaml, V.A. And Berry, L.L. (1986), "SERVQUAL: a multiple-item scale for measuring customer perceptions of service quality," Report No. 86-108, Marketing Science Institute, Cambridge, MA.

Parasuraman, A., Zeithaml, V.A. And Berry, L.L. (1988), "SERVQUAL: a multi-item scale for measuring consumer perceptions of the service quality," Journal of Retailing, Vol. 64, No. 1, pp. 12-40.
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Services Sector Comprises Vast Groups

Words: 4816 Length: 13 Pages Document Type: Term Paper Paper #: 99330239

Banks have thus the role of distributing these products to their customers. Added to that in the international arena banks are dealing more with derivatives and foreign exchange, making the role of the bank far more important in the overall well being of the economy. Banks are diversifying and redefining themselves as trading, banking and service institutions. The banks are multifunctional and are known by various terms like the 'clearing bank' in UK, 'Commercial banks' and 'Investment banks' or 'Merchant banks'. Banks are thus redefining themselves to suit the wider rage of operation sand services offered. (Cranston, 1997, p. 3)

2. Globalization of banking sector

Globalization is a phenomenon that has invaded all industries and human life. The changes that have come about after the break down of the cold war and the new social interaction between nations have affected the financial sector as well. Globalization has removed restrictions for…… [Read More]

References

Ashdown, Neil H. (2002) the Impact of Banking Policy on Trade and Global Stability.

Quorum Books. Westport, CT.

Chambliss, William J; Block, Alan a; Weaver, Constance a. (2004) All Is Clouded by Desire: Global Banking, Money Laundering, and International Organized Crime. Praeger. Westport, CT.

Cranston, Ross. (1997) Principles of Banking Law. Clarendon Press. Oxford.
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Financial Management in Multinational Organizations

Words: 2234 Length: 8 Pages Document Type: Essay Paper #: 28138668

Aside the attraction of customers, the money invested in marketing have created the desired outcome of a strong and reputable brand. Another pivotal element in the financial strategies has been that of maximizing the efficiency of managing inventories. This was necessary in order to continually strengthen the brand as well as achieve the profitability goals. Alongside with operating principles, supply-chain renovation and inventory management, financial management represents the pillar of the Nike business model (Filbeck, Krueger and Preece, 2007).

7. Discussion

It is extremely difficult to generalize the approaches of multinational organizations to financial management as each individual entity will employ those courses of action which best suit its needs as well as its characteristics. Whilst Ford continued to invest its resources in the manufacturing of large and luxurious vehicles in an attempt to drive the market, McDonald's has recognized the necessity in satisfying customer needs and has as such…… [Read More]

References:

Adams, B., 2007, McDonald's Strange Menu Around the World, Trifter,  http://www.economywatch.com/finance/financial-management.html  last accessed on July 13, 2009

Filbeck, G., Krueger, T., Preece, D., 2007, CFO Magazine's "Working Capital Survey": Do Selected Firms Work for Shareholders? Quarterly Journal of Business and Economics, Vol. 46

Nizamuddin, A.M., 2007, Multinational Corporations and Economic Development: The Lessons of Singapore, International Social Science Review, Vol. 82

Schindehutte, M., Morris, M.H., Kocak, A., 2008, Understanding market-Driving Behavior: The Role of Entrepreneurship, Journal of Small Business Management, Vol. 46
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Financial Analysis and Management at

Words: 3019 Length: 10 Pages Document Type: Thesis Paper #: 29318125

Had the organization employed the techniques of activity-based costing, they would have realized the need to change their approach and had started manufacturing small size and fuel efficient engines, as most of the customers were requiring these items. "If Ford [...] had used activity-based costing, they would have realized early on the utter futility of their competitive blitzes of the past few years, which offered new-car buyers spectacular discounts and hefty rewards" (Drucker, 2003).

Unlike absorption costing, marginal costing uses the traditional division into direct, indirect, fixed and variable costs. The accounting method sees that the final marginal cost of a product will be calculated by summing up the direct costs of labor, the direct costs of materials, the direct expenses and the variable overheads (Brown). The applications of marginal costing revealed that Ford was able to support a price advantage relative to General Motors and Chrysler due to its…… [Read More]

References

Bernstein, L.A., Wild, J.J., 1999, Analysis of Financial Statements, 5th Edition, McGraw-Hill Publishers, ISBN 0070945047

Berry, a., 1999, Financial Accounting: An Introduction, 2nd Edition, Cengage Learning EMEA, ISBN 186152479X

Brown, G., Introduction to Costs Accounting: Methods and Techniques,  http://www.globusz.com/ebooks/Costinglastaccessed  on March 9, 2009

Drucker, P.F., 2003, Peter Drucker on the Profession of Management, Harvard Business Press, ISBN 1591393221
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Financial Planner the Career of

Words: 1103 Length: 3 Pages Document Type: Term Paper Paper #: 9607592



A the direct support or supervision of individuals who deliver all, or any portion, of the personal financial planning process to a client.

A teaching all, or any portion, of the personal financial planning process.

Finally the applicant must agree to adhere to the CFP Code of Professional Conduct and submit to a background check. Any pending litigation must be disclosed.

The Financial Planner typically operates in four major areas: investment planning, estate planning, retirement planning and business succession planning. All of these areas are highly specialized and a planner may decide to specialize in one or more areas. Major firms will offer all of these services to clients, but the delivery method may vary by company. Firms such as Lincoln Financial Advisors, American Express Financial Services and AXA Advisors offer all of these services.

Another group of firms includes brokerage firms, also called wire houses, that may offer some…… [Read More]

Bibliography

Certified Financial Planner Board of Standards. 20 April 2005.  http://www.cfp.net /" target="_blank" REL="NOFOLLOW">
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Financial Analysis State Street State

Words: 1460 Length: 5 Pages Document Type: Term Paper Paper #: 47720317

This seems to have been in response to the perception of an upcoming slowdown and indicates that the firm is both cognoscent of its liquidity position and is taking steps to ensure the robustness of that liquidity position.

Moreover, in terms of cash flow coverage, State Street is in a solid position. Cash flow coverage measure the ability of the firm to pay its interest expense. In each of the past three years, State Street has generated more interest revenue than they have incurred interest expense.

Because it is difficult to separate operations and investments in a financial services firm, such as State Street, measuring the firm's operating efficiency is valuable. State Street's asset turnover is 6.7%. The gross margin was 15.1% in the past year, slightly down from the previous year. Overall, the gross margin has been steady and healthy over the past few years. If one were to…… [Read More]

Works Cited

State Street stock information from Reuters. Retrieved April 27, 2008 at  http://stocks.us.reuters.com/stocks/ratios.asp?symbol=STT&WTmodLOC=R2-Ratios-1-More 

State Street Corp 2007 Annual Report. Retrieved April 27, 2008 at http://library.corporate-ir.net/library/78/782/78261/items/284296/STT_AR.pdf
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Financial Market in New Zealand

Words: 1808 Length: 6 Pages Document Type: Essay Paper #: 14727278

The decision of investing or not here then depends on the personal adversity to risk of each individual investor. The general theory states that each investor should construct a diversified portfolio, which adequately balances high risk-high gain shares with medium or even low rates of risk and gains (Hagin, 2004). New Zealand could then be assimilated with a medium risk-medium gain share, and as such would be perceived as a valuable addition to one's portfolio. In this order of ideas then, the recommendation would be that of investing in the country.

eferences:

Amadeo, K., 2009, An Introduction to the Financial Markets, About, http://useconomy.about.com/od/themarkets/a/capital_markets.htm last accessed on December 17, 2009

Hagin, ., 2004, Investment Management: Portfolio Diversification, isk and Timing -- Fact and Fiction, John Wiley and Sons

Healy, J., 2001, New Zealand Capital Markets, Ministry of Economic Development, http://www.med.govt.nz/upload/18163/healy.pdf last accessed on December 17, 2009

Malkin, B., 2009, Financial Crisis:…… [Read More]

References:

Amadeo, K., 2009, An Introduction to the Financial Markets, About,  http://useconomy.about.com/od/themarkets/a/capital_markets.htm  last accessed on December 17, 2009

Hagin, R., 2004, Investment Management: Portfolio Diversification, Risk and Timing -- Fact and Fiction, John Wiley and Sons

Healy, J., 2001, New Zealand Capital Markets, Ministry of Economic Development,  http://www.med.govt.nz/upload/18163/healy.pdf  last accessed on December 17, 2009

Malkin, B., 2009, Financial Crisis: Australia and New Zealand Guarantee All Ban Deposits, The telegraph,  http://www.telegraph.co.uk/finance/financetopics/financialcrisis/3187662/Financial-crisis-Australia-and-New-Zealand-guarantee-all-bank-deposits.html  last accessed on December 17, 2009
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Financial Research Report This Is a Review

Words: 1620 Length: 6 Pages Document Type: Essay Paper #: 32469715

Financial esearch eport

This is a review of Caterpillar, Inc.. The report is broken down into three sections -- company overview, ratio analysis (which includes a trend analysis), stock price analysis -- that are designed to give a thorough overview of the complete company.

Company Overview

Caterpillar is one of the best known name brands, around the world for its manufacture of heavy machinery made, primarily, for the construction industry. The company began operations in 1925 under the name Caterpillar after a merger was formed between Holt Manufacturing and C.L. Best Tractor (USSEC, 2011). The company has set the standard in its industry becoming the largest manufacturer of hauling machines in the world.

Caterpillar operates primarily as a manufacturer of heavy equipment, but, with the realization that they needed to be able to finance purchases of their products and help maintain them, the company has also diverged into financial services…… [Read More]

References

Caterpillar. (2011a). About us. Retrieved from  http://www.caterpillar.com/company/strategy 

Caterpillar. (2011b). Stock chart. Retrieved from  http://www.caterpillar.com/investors/stock-information/stock-quote/stock-chart 

Caterpillar. (2009). Sales and Revenue. Retrieved from http://producttour.cat.com/Microsites/U.S./ARSR2009/AR2009/sales-profit.html

USSEC. (2011). Caterpillar for 10K. United States Securities and Exchange Comission.
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Financial Reform in 2009 A

Words: 1428 Length: 4 Pages Document Type: Research Proposal Paper #: 67905578

Bank of America and Merrill Lynch would have to be separated and Goldman Sachs could no longer be a bank holding company. "Commercial banks would take deposits, manage the nation's payments system, make standard loans and even trade securities for their customers -- just not for themselves. The government, in return, would rescue banks that fail. On the other side of the wall, investment houses would be free to buy and sell securities for their own accounts, borrowing to leverage these trades and thus multiplying the profits, and the risks. Being separated from banks, the investment houses would no longer have access to federally insured deposits to finance this trading. If one failed, the government would supervise an orderly liquidation. None would be too big to fail -- a designation that could arise for a handful of institutions under the administration's proposal" (Uchitelle, "Volcker," 2009).

The Volcker proposal seems sensible,…… [Read More]

Works Cited

Dash, Eric. Post-mortems reveal obvious risk at banks. The New York Times.

November 18, 2009. December 5, 2009.

 http://www.nytimes.com/2009/11/19/business/19risk.html 

"Geithner criticizes Wall Street pay." Bloomberg News. December 5, 2009.
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Financial Statement Carl Williams CEO

Words: 578 Length: 2 Pages Document Type: Essay Paper #: 80955615



III. RECOMMENDATION

The financial statements of IVK should be closely examined to determine how to increase revenues while decreasing expenses. Concerning the IT Department, the new manager needs to hire a good mix of people with various skills. There will, of course need to be staff members with exceptional technical skills that can develop new technologies to keep the firm growing at the steady rate that it did a few years ago. However, the department should not be saturated with technical staff. The new manager will need to hire individuals who have a strong business sense and are experienced in the fields of accounting, finance as well as other business areas. This is necessary because the technical staff person may favor a technology that seems to be best for the company because of its capabilities, but the person with a good sense of business can evaluate the technology to determine…… [Read More]

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Financial Concepts Used to Execute

Words: 3131 Length: 10 Pages Document Type: Term Paper Paper #: 25602705

As per IC Sec. 1033(h), the tax rules for the replacement of those properties destroyed or converted in such cases are eased and the overall replacement period extended as well. "Some rules were also revised like the 'ev. ule 95-22' which considers the funds received for the primary residence as well as scheduled property such as jewelry, pieces of art, coins, etc. which had been insured, as funds for a single item of property." (IS, Tax Law Changes elated to Hurricanes Katrina, ita and Wilma) These funds were to be considered as a "common pool" of proceeds from which the gains realized by the taxpayer could be to the extent of the amount exceeding the expenses after meeting a suitable replacement property. This revised rule also clarifies that the replacement property could refer to the residence being replaced or any scheduled private property "in any proportion." (Kess, Hurricane Katrina tax…… [Read More]

References

Agnew, Christine, L. Come Hell and high water: Can the tax code solve the post-

Katrina insurance crisis?

Brown, D.M. Hurricane Katrina: The First Seven Days of America's Worst Natural

Disaster. Kessinger Publishing. 2005.
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Financial System Reforms Over the

Words: 10927 Length: 30 Pages Document Type: Literature Review Paper #: 77379478



3.2.3 Portfolio Diversification of Investment in Global Property Markets

ecause the global property markets are affected by globalization and specific country / regional factors, means that the overall amounts of risks will vary, the most notable include: transparency and efficiency. Where, each country / region has different on laws and regulations pertaining to the real estate markets. This means that the risks in a number of different markets will depend upon specific market conditions themselves, reflecting these two factors. To protect themselves against these kinds of risks, many investors will often seek to diversify their portfolio. Diversification is: when you are investing a number of different asset classes in real estate, across a variety of countries / regions. The idea is that if a risk occurs in a specific country or region, the other areas that you are diversified in will protect you against the severity of the declines. For…… [Read More]

Bibliography

2009 A Year of Revival for Property Sector, 2010, Visit Kuwait. Available from: . [30 March 2010].

Barwa Real Estate, 2010, Arabian Business. Available from: . [30 March 2010].

Business Risk, 2010, Invest Words. Available from: [29 March 2010].

Dubai Property Companies Called Merger Off, 2009, Property Wire. Available from: [30 March 2010].
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Financial Industry Regulation the Recent

Words: 855 Length: 3 Pages Document Type: Research Proposal Paper #: 43712136

Indeed, risk-seeking is pervasive in the financial industry, as competition compels banks to seek higher returns. Regulation such as capital requirements can help to reduce risk-seeking behavior, although the negative affect such regulations have on value can ultimately encourage at least some degree of risk-seeking. Despite this unintended potential consequence, regulation serves to neuter overly aggressive bankers and reduces risk in the banking system. Reducing the risk in the banking system is congruent with the government's objective of making effective use of taxpayer money.

A fourth consideration is that consumers demand regulation. hile this does not constitute an economic case for regulation, it must be understood that governments are not motivated by purely economic considerations. Consumers want to know that their deposits are safe and that they can access money when needed for homes, vehicles and small businesses. Consumer demand, while irrational, is a key driver in the level of…… [Read More]

Works Cited:

Llewellyn, D. (1999). The economic rationale for financial regulation. Financial Services Authority. Retrieved November 13, 2009.

Hellmann, T., Murdock, K. & Stiglitz, J. (2000). Liberalization, moral hazard in banking, and prudential regulations: Are capital requirements enough? The American Economic Review. Vol. 90, 1, 147-165.
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Financial System According to Basic

Words: 1043 Length: 3 Pages Document Type: Term Paper Paper #: 54709207

Coefficients reflect to a rate of change in the dependant variable which leads to one point change in dependant variable. For example, coefficient of -0,05 infers small negative influence of this explanatory variable on the dependant variable, while coefficient of 1.5 implies that 1.5 rate growth of this variable will lead to positive growth by one point of the explanatory variable.

The results of the regression model are as follows:

GDP ($, billions)= 568.04 + 16.07*Interest_ate + 1.19*Disposable_Personal_Income -64.75*Personal_Savings_ate + 0.5*Personal_Expenditure_On_Nondurables - 0.26*Personal_Expenditure_On_Durables.

Coefficients

Standard Error

Stat

P-value

Intercept

1.384E-16

Interest rate

4.089E-13

Disposable Personal Income

2.327E-88

Personal Savings ate

5.196E-34

Personal Expenditure Nondurables

1.085E-05

Personal Exp Durables

The result suggest, that autonomous value of the GDP is rather high, or that explanatory variable that has big negative affect on GDP was not included in the model. Interest rate has the biggest positive affect on the GDP, while simple calculation…… [Read More]

References

1) Federal Bank of Reserve of Saint Louis financial system
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Financial Plan

Words: 1055 Length: 4 Pages Document Type: Term Paper Paper #: 68906910

Financial Plan

Carolinas Healthcare System, a non-profit self-sustaining public organization, is the largest healthcare system in combined North and South Carolina. It is a multi-disciplinary, integrated healthcare system that provides an extensive range of health and human services to the general public of Carolina. The organization owns, leases and manages hospitals, nursing homes, physical therapy facilities, home healthcare agencies, as well as other healthcare associated operations (Carolinas Healthcare System, 2016). The organization employs more than 60,000 personnel and has a capacity of over 7,500 registered beds. The following section encompasses a projected budget that contains a 3-year financial projection from December 31, 2015. The financial projection takes into account detailed expenditures, income, contingency, gain or loss (Carolinas Healthcare System, 2015). The financial projection outlines the net revenues and the net expenses of the organization.

CAOLINAS HEALTHCAE SYSTEM

3 YEA FINANCIAL POJECTION

STATING DECEMBE 31, 2015

NET EVENUE

2015

Year 1…… [Read More]

References

Carolinas Healthcare System. (2015). 2015 Annual Report.

Carolinas Healthcare System. (2016). Carolinas Healthcare System Financial Information. Retrieved 6 August 2016 from:  http://www.carolinashealthcare.org/about-us/corporate-financial-information 

Moffit, R. E., Senger, A. (2016). Medicare's Rising Costs -- and the Urgent Need for Reform. The Heritage Foundation.

Ovans, A. (2015). What Is a Business Model? Harvard Business Review.
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Financial Derivatives on Sub-Prime Crisis

Words: 9921 Length: 30 Pages Document Type: Dissertation Paper #: 96070915



The article that was written by Conley (2011) discusses the impact that collateralized debt obligations (CDO's) would have upon the subprime loans. These were created in 1987, by the Wall Street firm Drexel urnham. In this product, the investment bankers would take a number of different articles and combine them together as one investment. The various assets that were used included: junk bonds, mortgages and other high yielding investments from the debt. The idea with these different products is that the investment bank could offer customers a stated return on their investment. The way it worked is the brokerage firm would distribute each investor, the stated amount of returns that they would make off of the tranche (the CDO investment). This was derived using a complex mathematical formula that would divide the total amount of interest that was received, from the various high yielding products that were inside the CDO.…… [Read More]

Bibliography

Case Study, 2011, Investopedia. Available from: [14 February 2011]

Citi Merger a Mistake, 2008, Huffington Post. Available from: [14 February 2011].

Deregulation Redux, 2011, FCIC. Available from: {14 February 2011].

Derivatives, 2011, Financial Dictionary. Available from: [12 February 2011].
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Financial Statements Generally Accepted Accounting

Words: 1696 Length: 5 Pages Document Type: Term Paper Paper #: 69151827



MICOSOFT: No terrorist is going to try to blow up Microsoft; no oil products are needed to run computer hardware and software; computers run the world of commerce; and Bill Gates owns a huge percentage of all things computer software-related, so the Microsoft steamroller is a great investment and not as vulnerable to world conditions as are the first two companies reviewed in this section.

One final conclusion: for EXXONMOBIL, albeit their fortunes can change because of the war and oil's vulnerability to war, their earnings for the 4th quarter of 2004 were their highest ever ($8,420 million), and they have friends in the White House in Bush and Cheney, so their financial picture remains very bright; for FOD, they experienced a $5 billion pre-tax profit from their "financial services" (auto loans) division, which is very impressive; moreover, car sales are booming and Ford will, in the near future, realize…… [Read More]

References

AllBusiness (2005). What Are Generally Accepted Accounting Principles? Retrieved February 8, 2005, at  http://www.allbusiness.com/articles/content/17954.asp .

Anderson, Curt. (2005). Microsoft Reports Record Revenue and Earnings. Retrieved February 9, 2005 from Microsoft Investor Relations Web site:  http://www.microsoft.com/msft .

Bruebaker, Gary H. (1999). A Question of Value. Government Finance Review, 15(3),

Ensman, Richard G. (1999). Accrual Basis vs. Cash Basis Accounting. Doors and Hardware, 63(10), 20-22.
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Financial Ratios Analysis of a Prospective Borrower

Words: 588 Length: 2 Pages Document Type: Research Paper Paper #: 46751238

Financial atios of a Prospective Borrower

Financial ratio analysis is a quantitative tool used to analyze financial standing of a business entity. The ratio analysis can also be used to compare financial capabilities of companies in different industries. This paper discusses how financial ratios can be used to answer questions about the management, marketing, and production capabilities of a prospective borrower. The paper also identifies ratios that demonstrate management competency and are mandatory to a financial services regulator.

atios demonstrating Production, Management, and Marketing Capabilities of a prospective Borrower

In the contemporary business environment, firms rely on loans from banks to improve their business operations. However, before a bank or other financial institutions can offer loans to organizations, they have to evaluate management competency, production, and marketing capabilities of a prospective borrower. The bank uses different financial ratios to analyze production efficiency of a prospective borrower.

An efficiency ratio is…… [Read More]

Reference

Investopedia (2015). Ratio Analysis: Using Financial Ratios. Investopedia Inc.

Morning Star. (2016). Apple Inc. AAPL. Morning Star Inc.
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Financial Regulations

Words: 908 Length: 3 Pages Document Type: Essay Paper #: 60390761

Dodd-Frank and Sarbanes-Oxley Acts are important legislations in the corporate world because of their link to public and privately held companies. Sarbanes-Oxley Act was enacted to enhance transparency and accountability in publicly traded companies. On the contrary, Dodd-Frank Act was enacted to disentangle the confused web of financial service company valuations. Actually, these valuations are usually hidden by complex and unclear financial instruments. The introduction of Sarbanes-Oxley Act was fueled by recent incidents of accounting frauds by top executives of major corporations such as Enron. In contrast, Dodd-Frank Act was enacted as a response to the tendency by banks, insurance companies, hedge funds, rating agencies, and accounting companies to serve up harmful offer of ruined assets and liabilities brought by systemic non-disclosure (Anand, 2011, p.1). While these regulations have some similarities and differences, they have a strong relationship with the financial markets.

elationship between the Acts and Financial Markets:

Since…… [Read More]

References:

Anand, S. (2011). Essentials of the Dodd-Frank Act. Hoboken, NJ: John Wiley & Sons, Inc.

Brink, A.G., Lowe, J. & Victoravich, L. (2013, August). The Effect of Evidence Strength and Internal Rewards on Intentions to Report Fraud in the Dodd-Frank Regulatory Environment. Auditing: A Journal of Practice & Theory, 32(3), 87-104.

Casey, K.L. (2011, January 23). Speech by SEC Commissioner: "The Regulatory Implementation

and Implications of Dodd-Frank." Retrieved from U.S. Securities and Exchange Commission website:  https://www.sec.gov/news/speech/2011/spch012311klc.htm
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Financial Literacy of Post College Student and

Words: 778 Length: 2 Pages Document Type: Essay Paper #: 14531212

Financial Literacy of Post College Student and Non-College Student

The relevant research questions and hypothesis would be the following: esearch question: Is there any improvement in financial literacy between a non-college student and a post college student.

Positive: significant differnce is found in quality of financial literacy in a post-college student as compared to a non-college student

Negative: no significant differences are found in quality of financial literacy in a post-college student as compared to a non-college student

My research idea will be tested with a randomized survey. Although a survey has various problems (some which are mentioned later), it does have the advantage of non-expensively targeting a vast amount of individuals and is best suited to this research question that cannot be evaluated as control study or other laboratory method. My intention is to examine a cross-section of students who are closely matched to each other. I will also…… [Read More]

References

Babbie, E. (1989). The Practice of Social Research. 5th edition. Belmont CA: Wadsworth

Chen, H. & Volpe RP An analysis of personal financial literacy among college students, Financial Services review, 7, 107-128

Creswell, J. (1998). Qualitative inquiry and research design: Choosing among five traditions. Thousand Oaks, California: Sage Publications.

Creswell, J. (2003). Research Design: Qualitative, Quantitative, and Mixed Methods Approaches. Thousand Oaks, California: Sage Publications.
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Financial Strategies of Healthcare Organization

Words: 3659 Length: 12 Pages Document Type: Essay Paper #: 50005248

Develop a financial strategy for using global nursing strategies to increase fiscal responsibility. Include the positive and negative financial impact of bringing foreign healthcare providers into a financial organization. Examples such as physicians, nurses, and therapist should be evaluated and assessed for financial viability.
Healthcare institutions may be faced with fiscal constraints at some point in their growth process therefore necessitating austerity measures and sound business practices that will help minimize costs and enhance operational and financial efficiency inside the hospitals (Dong, 2015). Many questions arise as to how the financial management culture in healthcare institutions can influence care quality. This research paper attempts to identify the global nursing strategies that would increase financial responsibility in healthcare institutions as well as the financial impact that hiring foreign healthcare providers into the financial organization has.
According to Dong (2015) there is a significant statistical relationship between the financial performance of a…… [Read More]

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Financial Crisis and Its Impacts

Words: 3393 Length: 10 Pages Document Type: Thesis Paper #: 544891



The second purpose of the $700 purchase of troubled assets is to create a market for the securitized versions of these assets. As a result of the crisis, the market for these assets became illiquid. The value of securitized debt obligations became near zero, which severely impacted the balance sheet of all banks that held these assets. By creating a secondary market for these products, the government hopes to increase their value. This will improve the balance sheets of the banks.

The second key clause in TARP is that banks selling troubled assets to the government are required to give the government warrants. This, in theory, protects the government from losses. The theory is that the banks will see an increase in value as a result of the government's efforts, allowing the government to profit from the warrants.

Ancillary to TARP was the FDIC's excusing of troubled assets in its…… [Read More]

Works Cited:

Dash, E. & Sorkin, a. (2008). Government seizes WaMu and sells some assets. New York Times. Retrieved November 3, 2009 from  http://www.nytimes.com/2008/09/26/business/26wamu.html 

Smith, a. & Yandle, B. (2009). Too big to fail, read, count or stop. Cato Institute. Retrieved November 3, 2009 from  http://www.cato.org/pubs/regulation/regv32n2/v32n2-11.pdf 

McIntire, M. (2009). Bailout is a windfall to banks, if not to borrowers. New York Times. Retrieved November 3, 2009 from  http://www.nytimes.com/2009/01/18/business/18bank.html?_r=2&pagewanted=1 

White, L. (2009). Federal Reserve policy and the housing bubble. Cato Journal. Retrieved November 3, 2009 from  http://www.cato.org/pubs/journal/cj29n1/cj29n1-9.pdf
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Company's Financial Statement

Words: 4454 Length: 15 Pages Document Type: Essay Paper #: 48248054

Financial Statement Analysis

In this particular essay, I undertake the financial analysis of five companies, all of which are set in the retail industry. Three of the companies, Tesco Plc, Sainsbury's and Wm Morrison Supermarkets plc are some of the largest food retailers in the United Kingdom. Ocado which is the fourth company is the largest online food retailer in the whole world and lastly Crawshaw Group PLC is also in the business of operating a chain of retail food stores. Every company will be discussed individually and it will encompass information regarding the history of the company, the products and the services, the consumers and also other information.

Tesco Plc is a company that is based in Britain and is the largest food retailer in the United Kingdom. It is one of the biggest retailers in the globe as it is the third in position in the retail industry…… [Read More]

References

Accounting for Management. (2014). Return on common stockholders' equity ratio. Available:  http://www.accountingformanagement.org/return-on-common-stockholders-equity-ratio/ 

Bloomberg. (2015). Crawshaw Group Plc company information. Retrieved from:  http://www.bloomberg.com/research/stocks/snapshot/snapshot.asp?ticker=CRAW:LN 

Bloomberg. (2015). Wm Morrisons Supermarket plc. Retrieved from:  http://www.bloomberg.com/research/stocks/snapshot/snapshot.asp?ticker=MRW:LN 

Investigating Answers. (2014). Operating Leverage. Available:  http://www.investinganswers.com/financial-dictionary/ratio-analysis/operating-leverage-2795
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Financial Resource Management Reaching a Financial Decision

Words: 2362 Length: 8 Pages Document Type: Essay Paper #: 99186204

Financial esource Management

eaching a financial decision regarding heath care services

All forms of industries deemed financial management as expressive in origin till the 1960's. Its basic and sole role was to ensure financing for completing the business's operatives and functions. The department for business planning or marketing would project a net total for meeting the services and meeting daily demands; managers would calculate the assets required to complete a given project needed, equipment's, supplies and building. Financial management is a field which focuses on business securities as well as the markets in which they are in key demand. Also, more emphasis is made on how businesses can tap new markets and unlock their hidden potential. As a result, financial management books were pretty explanatory and predictable in origin during those times. (Sandrick, 2008).

These days, financial management plays a pivotal role in day-to-day operations of a business. The responsibility…… [Read More]

References

Allen, S., and M. Bombardieri. 2008. "A Healthcare System Badly Out of Balance." The Boston Globe, November 16.

Glaeser, E.L. 2004. "The Governance of Not-for-Profit Organizations." The International Journal of Not-for-Profit Law 6 (3).

Halvorson, G.C. 2005. "Healthcare Tipping Points." Healthcare Financial Management (March): 74 -- 80.

Helvin, L.K. 2008. "Caring for the Uninsured: Are Not-for-Profit Hospitals Doing Their Share?" Yale Journal of Health Policy, Law, and Ethics (summer): 421 -- 70.
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Financial Managers and CEO's Play Important Roles

Words: 1164 Length: 4 Pages Document Type: Term Paper Paper #: 71401496

Financial managers and CEO's play important roles in ensuring that organizations meet their specific goals. The skill levels for both positions are high and require a great deal of patience and experience. The purpose of this discussion is to determine whether being a financial manager is the best preparation for later becoming a CEO.

ole of the Financial Manager

According to the Bureau of Labor, financial managers must have a bachelor's degree in a field such as business administration, accounting, economics or finance. Although, as the business world becomes more competitive, organizations are requiring financial managers to have Master's degrees and a great deal of experience before they can become financial managers. The Bureau also explains that financial managers are vital to the success of any organization and their jobs involve supervising the preparation of financial reports, direct investment activities, and implement cash management strategies. As computers are increasingly used…… [Read More]

References

Campbell, M.W., Kowalski, R.B. Healthcare Financial Management Association Apr 2000

Financial Managers. 2004. Bureau of Labor and Statistics.  http://www.bls.gov/oco/ocos010.htm
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Financial Analysis of Bestwish Limited Company Overview

Words: 4573 Length: 13 Pages Document Type: Essay Paper #: 99500463

Financial Analysis of Bestwish Limited

Company Overview

Bestwish Limited produces extensive range of quality products such as gift dressing, greetings cards, and plush merchandise of more than 50,000 stocks. The production of different categories of products involve between 2 and 15 processes. The company produces standardized products and custom designed products ordered from customers on contract basis. However, Bestwish Limited is facing challenges to control the costs because of varying production process, reliance on indirect costs and large number of stock keeping units.

Bestwish Limited has just closed the 2010 fiscal year account and the company is finalizing the 2011 budget. Bestwish intends to analyze the 2010 financial statement to present the accurate picture of the company financial performances.

Objective of this report is to analyze 2010 financial statements to assess the viability of Bestwish Limited.

Task

Attn:

Audit Committee of the Board

Finance Director

Subject: Financial statement Analysis

Date:…… [Read More]

References

Drury, C. (2009). Management Accounting for Business, 4th Edition (Cengage Learning EMEA, ) ISBN 1408017717.

Harris, R. And Sollis, R. (2003).Applied Time Series Modelling and Forecasting (John Wiley and Sons) ISBN 0470844434

Glynn, J. Perrin, J. Murphy, M. And Abraham, A. (2003).Accounting for Managers, 3rd Edition.(Thomson Learning) ISBN 186152904X

The Times 100, (2012). Financial statements and reporting A Cadbury Schweppes case study. The Times 100 Business Case Studies.
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Financial Analysis of Lehman Brother

Words: 2992 Length: 10 Pages Document Type: Research Paper Paper #: 52231514

Financial Analysis of Lehman rother

Lehman rothers

The history has been full of financial collapses and financial scandals and one of the biggest financial collapses that a company has ever seen was that of Lehman brother. The collapse of a firm as huge as Lehman rother and a firm which has such great experience of over a hundred years lead the world into a shock. It created doubts in the minds of people regarding the condition of other financial institutions. The history of Lehman rother is rich which is further discussed.

The history of Lehman rother dates back to 1844, when a boy named Henry who was a 23-year-old son of a cattle merchant who immigrated to the United States from Germany and he settled in Alabama State of the United States where he opened dry goods store. In 1847, when Henry Lehman's elder brother arrived to Alabama, the firm…… [Read More]

Bibliography

1. Bebchuk, L.A., Cohen, A., & Spamann, H. (2010). The Wages of Failure: Executive Compensation at Bear Stearns and Lehman 2000-2008. Yale Journal on Regulation,27(2), 257+.

2. Blake, D. (2000). Financial Market Analysis. New York: Wiley. Cetorelli, N., Mandel, B.H., & Mollineaux, L. (2012). The Evolution of Banks and Financial Intermediation: Framing the Analysis. Federal Reserve Bank of New York Economic Policy Review, 1+.

3. Dwyer, G.P., & Tkac, P. (2009). The Financial Crisis of 2008 in Fixed Income Markets.Federal Reserve Bank of Atlanta, Working Paper Series, 2009(20), 1+.

4. Fitzpatrick, T.J., & Thomson, J.B. (2011). How Well Does Bankruptcy Work When Large Financial Firms Fail? Some Lessons from Lehman Brothers. Economic Commentary (Cleveland), (2011-23), 1+.
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Financial Analysis Threats and Vulnerability A Case

Words: 1957 Length: 6 Pages Document Type: Research Paper Paper #: 43007066

Financial Analysis

Threats and vulnerability: A case study of Shoe Carnival, Inc.

Shoe carnival overview

Shoe Carnival Inc. is a publicly traded company that offers a range of footwear products for all categories of customers, men, women, children and sportswear. It also offers casual wear products and other assorted products such as handbags. Its headquarters are situated in Evansville, Indiana and it runs over 300 stores across several states mostly concentrated in South, Midwest, and Southeastern states of the U.S. David ussell, who had sold shoes for over 20 years in the traditional way, founded Shoe Carnival after feeling convicted that that was what he wanted to do. In the year 1978, and with is personal savings and some capital from his in-laws, he opened his first store that he called "Shoe Biz." His main idea was to create a shoe store made shoe-shopping fun. The major difference with ussell's…… [Read More]

References

Funding Universe (2012) Company Histories and Profiles: Shoe Carnival Inc. Retrieved from http://www.fundinguniverse.com/company-histories/Shoe-Carnival-Inc.-company-History.html

Laboureconomic's weblog (2012) The Effects of Fon Competition: U.S. Firms. Posted May 4, 2011, retrieved from  http://laboureconomics.wordpress.com/2011/05/04/the-effect-of-foreign-competition-us-firms/ 

Lowth, G., Prowle, M., Zhang, M. (2010) The Impact of Economic Recession on Business Strategy Planning in UK. Chartered Institute of Management Accountants. Vol.6, Issue 9.

Shoe Carnival (2012) Shoe Carnival 2011 Annual Report. February 2012. Retrieved from  http://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=3&ved=0CGQQFjAC&url=http%3A%2F%2Fphx.corporate-ir.net%2FExternal.File%3Fitem%3DUGFyZW50SUQ9OTM1OTR8Q2hpbGRJRD0tMXxUeXBlPTM%3D%26t%3D1&ei=6E7LT5zEBc7SsgbC0vGaBw&usg=AFQjCNHQ73w5pPAXL97G7uC-A3yGWjEKKQ&sig2=LmOSYlJO7izfAl1ssOpxDQ
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Financial Contracting for New Venture Investments in

Words: 1706 Length: 5 Pages Document Type: Essay Paper #: 32383500

Financial Contracting for New Venture:

Investments in a new venture usually involve financial contracts between the entrepreneur and external investors. These external investors include venture capitalists, angel financiers, banks, private financing companies, and credits unions among others. Notably, financial contracts can have positive and negative effects on the new venture. For instance, an angel financier can add a clause on the financial contract that will not permit the entrepreneur to borrow more funds without permission from the lender. While this is likely to occur when the lending institution has a mortgage or lean on the venture's property, the clause is usually added to lessen foreclosure risk. As an individual seeking to venture in a clothing business for the Mixed Martial Arts customers to provide shirts, hoodies/fleeces, and hats, it is important to choose the most appropriate type of financial contracting with the external investor. This process of selecting the most…… [Read More]

References:

Anderson, C. (2013, January 25). 8 Things You Need to Know About Starting A Fashion

Business. The Huffington Post. Retrieved January 10, 2014, from  http://www.huffingtonpost.com/2013/01/24/starting-a-fashion-business_n_2534518.html 

de Bettignies, J. (2008, January). Financing the Entrepreneurial Venture. Management Science,

54(1), 151-166. Retrieved January 10, 2014, from  http://web.business.queensu.ca/faculty/jdebettignies/docs/EntrepFinPrintedVersion.pdf
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Financial Feasibility

Words: 2090 Length: 8 Pages Document Type: Term Paper Paper #: 21659765

Financial Feasibility

Bull Run, Virginia

Pleasant Valley Estates is envisioned as an upwardly mobile community - located in Bull Run, Virginia - and targeted toward the young, single professional and young families.

Cash Flow Statement Overview

The cash flow statement constitutes a financial document, which details the exchange of cash between a business and the outside world while strategically demonstrating the in and outbound logistics. Flow is traditionally categorized as:

flow "in" from Operations - the cash the entity or company makes by selling goods and services, flow "in" from Financing - the cash the entity or company raises by selling stocks and bonds, and flow "out" to Investing - the cash the company spends toward investing in future growth

Each of these flows can move bi-directionally. Investors generally like to see that the company covers its spending with cash from operations rather than resort to financing. The cash flow…… [Read More]

Jordan, B. "Homeownership Alliance." Banc One Investments Advisor.

Freddie Mac Reports Strong Multifamily Lending Volume: New Product Lines Boost Production and Position Freddie Mac as Industry Leader." Freddie Mac News and Information Report. Nov. 2000.
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Financial Accounting Company Overview Microsoft

Words: 689 Length: 3 Pages Document Type: Research Proposal Paper #: 27022022

he only observation that could be made here is that one would expect a larger proportion of the total expenses to be allocated to research and development, given the fact that this is such an important part of Microsoft's activity and essential in order to obtain a competitive advantage on the market.

Asset and Capital Structure

2008

Cash and cash equivalents

$10,339

Accounts receivable

$13,589

Inventories

$985

otal fixed assets

$29,551

he asset structure at Microsoft reflects some of the particularities in the industry, notably the fact that the inventory levels tend to be quite low, as compared to the other assets. his means that the I industry is not one supporting production on stock. At the same time, the value of the total fixed assets is significantly high, which can be partly explained by the size of the company and the investments in land, buildings and equipment.

Part III…… [Read More]

The return on assets at Microsoft was 0.24 in 2008, as compared to 0.22 in 2007. As most of the other profitability and asset management figures, the return on assets also shows a better performance in 2008.

Part IV -- Conclusions and Recommendations

Microsoft's results, both in terms of absolute value from the income and cash flow statements and balance sheet and the ratio analysis, show a solid, extremely competitive company, whose results have improved from 2007 to 2008, despite the global economic crisis. Its capacity to retain low levels of inventory, to gradually increase its efficiency in using assets and to bring new products to the market are some of the positive aspects at Microsoft. As a recommendation, the company could consider allocating a larger proportion of its expenses into research and development.
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Financial Analysis Performance Task

Words: 1124 Length: 4 Pages Document Type: Essay Paper #: 55129214

Financial Analysis

Reitmans

Alimentation Couche-Tard

Sales

COGS

Gross Profit

Depreciation + Exp

Operating Profit

Investment Income

Interest

EBIT

Tax Exp

Net Income

Cash

AR

Inventory

Prepaid Exp

Current Assets

Investments

Capital Assets

Goodwill

Future Income Tax

LTA

Total Assets

Taxes payable

Current LT Debt

Current Liabilities

LT Debt

Other LT Liabilities

Total Liabilities

Equity

L + E

Reitmans was able to improve its profitability in 2005, compared with 2004. The company's gross profit improved to 13.55% from 9.99%; its operating profit improved to 9.7% from 5.98%; and its net profit improved to 7.33% from 4.7%. This shows that the improvement in the company's profitability is largely attributable to the improvement in the top line, with the cost of goods sold being a lower percentage of revenues in 2005 than 2004. hether this is a function of driving down costs with suppliers or increasing prices to consumers cannot be ascertained from…… [Read More]

Works Cited:

Reitmans 2005 Annual Report. In possession of the author.
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Service to Others Do the

Words: 706 Length: 2 Pages Document Type: Term Paper Paper #: 705714



Secondly, in my opinion, it is irrational and insensitive for the rich to continue spending billions of dollars on luxuries as millions across the world continue to suffer. For instance, why would an individual own several luxury cars while another person cannot even afford to settle his or her medical bills? Similarly, why should an individual have billions of dollars lying idle in the bank as scores of people across the world die of hunger? In my opinion, luxury items are insignificant when compared to the basic needs of others including but not limited to food, shelter, and medical attention. In the final analysis, it does not make much sense for one to live in luxury as others wallow in poverty. e therefore have an obligation to give up some of our luxuries so as to help the less fortunate amongst us.

Lastly, I am convinced that helping the poor…… [Read More]

Works Cited

Gupta, Bina, ed. Ethical Questions: East and West. Maryland: Rowman & Littlefield, 2002. Print.

MacKinnon, Barbra. Ethics: Theory and Contemporary Issues. Concise Edition. Boston, MA: Cengage Learning, 2010. Print.
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Financial Policy Medical Associates Financial

Words: 1409 Length: 5 Pages Document Type: Research Proposal Paper #: 38084258

Once the written request is received, we will pay within 30 days (PCC.com, no date). If you paid by credit card, we will issue the refund to your card directly. If you paid cash, we will issue you a check.

Part B:

This policy is ideal for a small generalist office.

The policy should outline the Medical Associates position clearly, so that the patient has an understanding of how billing and collections work from our end. This is important because of medical offices are somewhat unique in this regard compared to other businesses. The multiple means of payment, often for a single bill, necessitate this written explanation for the patient.

The main objective of the financial policy is to effectively communicate the means and methods of payment to the patients. Not only should it clarify the role of the office, but it should also clarify for the patient their role…… [Read More]

Works Cited

Valerius, Bayes, Newby & Seggern. (2008) Medical Insurance: An Integrated Claims Process Approach. McGraw-Hill, New York, 2008.

Website: MedicalCodingandBilling.com. Various pages. Retrieved February 20, 2009 at  http://www.medicalcodingandbilling.com/pract_management.htm 

No author. (no date). Writing a Financial Policy. Physician's Computer Company. Retrieved February 20, 2009 at http://www.pcc.com/practmgmt/business/finpol.php

No author. (no date). Financial Policy. Napa Valley Orthopaedic. Retrieved February 20, 2009 at  http://napavalleyortho.com/financial_policy.html
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Financial Appraisal of Ryanair Ryanair's Financial Appraisal

Words: 1943 Length: 7 Pages Document Type: Essay Paper #: 27338554

Financial Appraisal of yanair

yanair's Financial Appraisal

In this report we provide an elaborate financial appraisal of yanair for a naive investor with no financial expertise.

The key conclusions of this report are:

- yanair has a very strong as well as continuously expanding market position which is enabled by its expansion of its fleet by 40 new aircrafts to a total of 272 as well as the opening of new routes (328) and bases.

-One reason as to why yanair has achieved as well as maintained its very strong position is its dedication to quality service care and service provision. These approaches have ensured that the company has an exceptional financial performance as well as improved efficiencies.

The Strategic Issues that are facing yanair

The current increase in fuel prices by about 37% which the company attempted to offset by the instituting a 12% increase in average fare. The…… [Read More]

References

Paladin (2011).Paladin Labs 2010 Annual report

Research and Markets (2011). Paladin Labs Inc. (PLB) - Financial and Strategic SWOT Analysis Review

 http://www.marketresearch.com/GlobalData-v3648/Paladin-Labs-PLB-Financial-Strategic-6262568/ 

Ryanair (2011).Ryanair 2011 Annual report  http://www.ryanair.com/doc/investor/2011/Annual_Report_2011_Final.pdf
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Financial Analysis of Uhs Is

Words: 2635 Length: 10 Pages Document Type: Research Paper Paper #: 91880985

92%. This compares to the 0.36% for its peers last year and 17.42% over five years for the sector. UHS has a net profit margin of 3.86% and a five-year average net profit margin of 4.49%. The sector averaged a net profit margin of -0.38% last year, but has a five-year average of 12.27%. hat this indicates is that historically UHS has lagged its peers in terms of bottom line margins. They have, however, been able to sustain those margins during a downturn in the business cycle whereas their competitors have struggled. This stability is a sign of financial strength. It may also contribute to their willingness to be more highly levered than most of their competitors in order to drive growth.

Revenue growth last year was 13.36%. This compares with 6.5% the previous year and 8.19% the previous year. The five-year average growth rate is 8.01%. Revenues grew faster…… [Read More]

Works Cited

Charts from Yahoo! Finance. Retrieved November 8, 2008 at  http://finance.yahoo.com/echarts?s=UHS#chart10:symbol=uhs;range=1y;compare= ^gspc;indicator=ke_sd+volume;charttype=line;crosshair=on;ohlcvalues=0;logscale=off;source=undefined

Financials, stock overview and competitor financials from Reuters. Retrieved November 8, 2008 at  http://www.reuters.com/finance/stocks/overview?symbol=UHS.N 

UHS 2007 Annual Report retrieved November 8, 2008 at  http://www.uhsinc.com/temp/UHS%20Annual%20Report_web.pdf 

UHS 2006 Annual Report retrieved November 8, 2008 at http://library.corporate-ir.net/library/10/105/105817/items/249016/58689%20UHS%20Fin.pdf
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Financial Times in Today's Hyper-Competitive

Words: 1665 Length: 6 Pages Document Type: SWOT Paper #: 81422598

These units tie up capital that could be better spent elsewhere. Below is the placement of Financial Times' business units (See Figure 1).

Figure 1. BCG Growth-Share Matrix - Financial Times

STAS: QUESTION MAKS:

None. The Asian Market

The Online Market

CASH COWS: DOGS:

The UK Market The American Market

The European Market

Ansoff Matrix:

Ansoff's matrix provides four different growth strategies: Market penetration, market development, product development, and diversification. With market penetration, the organization seeks to achieve growth with existing products in their current market segments, aiming to increase their market share. Market development involves growth by targeting its existing products to new market segments. Product development is the strategy whereby the organization develops new products targeted to its existing market segments. And, diversification, is where the organization grows by diversifying into new businesses, by developing new products for new markets.

Financial Times has implemented both a market penetration…… [Read More]

References

Robinson, J. 5 June 2005, "Out of the red and into the pink: Editor Andrew Gowers is restoring some colour to the FT's cheeks," The Observer, p. 9.

Griffiths, I. 20 May 2005, "Analysis: FT's first cuts were the cheapest," The Guardian, p. 24.

Miller, J. 16 May 2005, "Media: Webview: Why the press must wake up to the web," The Guardian, p. 13.
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Financial Perspective Case Analysis Despite Having an

Words: 1100 Length: 4 Pages Document Type: Essay Paper #: 10904673

Financial Perspective

Case Analysis:

Despite having an exceptional pace of growth throughout the early years of their existence, Saatchi & Saatchi is facing client attrition and declining revenues. What had happened through their continual restructurings was the corporation lost track of their core vision, mission and values. The distance between these three core attributes of their business and financial performance had drifted apart so far that financial results were showing the increasingly disjointed nature of their corporate culture (Greenhalgh, 2004). The reliance on a balanced scorecard to unify their core vision, mission and values back to financial performance was needed (Niven).

As a result of the continued deterioration of financial and customer performance, management at Saatchi & Saatchi put into place financial and customer-driven goals for the company. The financial objectives included the foundation of their company's resurgence and comeback, including growing the revenue base faster than market rates, converting…… [Read More]

References

Greenhalgh, C. (2004) Building a Strategic Balanced Scorecard: Saatchi & Saatchi Complementary Case Study. Business Intelligence Company. Retrieved February 17, 2013, from  http://www.business-intelligence.co.uk/PDFdownloads/strat_bsc/Saatchisr.pdf 

MyStrategicPlan (N.D.) Balanced Scorecard: Performance Measurements for Success. Retrieved July 20, 2010, from  http://www.mystrategicplan.com/strategic-planning-topics/balanced-scorecard.shtml 

Niven, P. (N.D.) Financial perspective. EPM Review. Retrieved July 20, 2010, from http://www.epmreview.com/Resources/Articles/Delivering-shareholder-value-growing-revenue-and-enhancing-productivity.html

Robin, D. (ND) Vision, Mission and Values: Management Tools for Building a Better Workplace. Daniel Robin & Associates. Retrieved July 20, 2010, from http://www.abetterworkplace.com/027.html
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Financial Analysis Apple Incorporated Is

Words: 896 Length: 3 Pages Document Type: Term Paper Paper #: 85124129

hus, today, if someone asked you whether they should invest in Apple, Inc., the answer would be "yes."

Appendix a Steve Jobs: CEO and Co-Founder

Steve Wozniak: Co-founder

imothy D. Cook: COO

Peter Oppenheimer, CFO

Philip W. Schiller: SVP of Marketing

Jonathan Ive: SVP of Industrial Design

ony Fadell: SVP of iPod

Ron Johnson: SVP of Retail

Sina amaddon: SVP of Applications

Bertrand Serlet: SVP of Software Engineering

Scott Forstall: Vice President of Platform Experience.

Appendix B

Mac Personal Computer System

Mac OSX and OSX server

Ipod and iunes

IPod Hi-Fi

Quick ime

ILife, iWork

Safari

Apple Remote Desktop

Xsan

Final Cut Studio

Logic Pro

Apple V

Aperture

Final Cut Studio

Cinema Display

Appendix C

Strengths:

Apple has seen new success as a result of its iPod music player, which has increased profits by $320 in the second quarter of June, 2005. he positive reviews of iPod has given the…… [Read More]

The most significant threat to Apple is the high level of competition that exists in the it industry.

Appendix D

Apple's earning and profits has continually increased since the year 2000. Fiscal years ending in 2005 and 2006 both saw significant increases in Apple's revenues. At the end of 2005, Apple's after tax income was $1,328 million, which was a 399.24% increase from the previous year. For the fiscal year ending in 2006, Apple's after tax income was $1,989 million, which represented another 49.7% increase. Apple's earning per share for the 2006 fiscal year was $2.27, whereas in the previous year it was $1.55 and the year before that only $00.36.
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Financial Data of Each Company

Words: 1902 Length: 5 Pages Document Type: Term Paper Paper #: 85797461

By adding up the two figures one obtains the company's total net worth. The basic rule of a balance sheet is that the assets on one side have to add up to the same amount as the liabilities and the owners' equity combined, on the other side.

Investors need to know the contents of a balance sheet because important financial ratios may be calculated with the data therein. These ratios help at building a picture about the state of liquidity and growth potential of the company in question.

Another example of financial statement is the cash-flow statement, which reveals all sources and uses of a company's money during a specified period. The sources of cash include revenues, long-term financing, sales of non-current assets, increases in current liability accounts or decreases in current asset accounts. The uses included operating losses, debt repayment, equipment purchases and increases in current asset accounts.

The…… [Read More]

Reference:

1. Information on Financial Statements and Audit www.investopedia.com www.allbusiness.com/articles/content/17951.asp www.anderson.ucla.edu/course/2004-2005/fa12301/download/Intro_to_audit.pdf

2. Yahoo!'s financial statements www.morningstar.com
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Financial Counseling Profile Lee Was

Words: 2484 Length: 8 Pages Document Type: Term Paper Paper #: 84871732

So, many expenses that would have given him a credit were not presented and this meant Lee had to pay large amounts as tax. The IS clearly states that it is the responsibility of the business owner to deduct expenses and show receipts for the same. (IS.gov, 2010). So, we recalculated his tax assessment for the year and included all deductible expenses that had proof of receipt. This brought down his tax by about $23,000.

The next step was to determine whether Lee's business was eligible for the health care tax credit approved by the Obama administration. Since Lee had more than 25 full-time employees with an annual average wage of less than $50,000, he qualified for the credit. It is 35% of the premium costs. (IS.gov, 2010). This further reduced his taxes.

Another move is to give him a salary every month as the CEO of the company. Earlier,…… [Read More]

References

McArdle, Megan. (October 2010). The Bright Side. Atlantic Monthly. Vol 306(3). p46-52.

Bowman, Margo. (Oct 2008). Your Small Business Budget. Massage Magazine. Issue 149. p 60 -63.

Small Business Administration. (2010). Retrieved from:  http://www.sba.gov/ 

Internal Revenue Service. (2010). Retrieved from:  http://www.irs.gov/
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Financial Analysis for Lufthansa Financial

Words: 1535 Length: 6 Pages Document Type: Research Paper Paper #: 45912774



7. Overall Performance

Lufthansa is one of the strongest corporations of the globe and a major player on the European airline market. Its success is obvious in the satisfaction of their customers or the fact that their employees love working for the company, and it often materializes in opportunities for growth and development. Throughout the past recent years, the German airline organization has managed to increase its customer base, its fleet as well as its product offering. But these are not the sole indicators of prosperity. The financial analysis of Lufthansa revealed a strong economic agent. Despite the existence of some few issues which…… [Read More]

References

April 3, 2007, World Airlines, Flight International

2009, Investopedia, http://www.investopedia.comlast accessed on February 11, 2009

2009, Deutsche Lufthansa AG, Reuters,  http://www.reuters.com/finance/stocks/ratios?symbol=LHAG.DElast  accessed on February 11, 2009

2009, Website of the Lufthansa Group, last accessed on February 11, 2009
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Financial and Managerial Accounting Activity-Based

Words: 3164 Length: 12 Pages Document Type: Research Proposal Paper #: 71581363



The applicability of Activity-Based Costing for decision making is directly linked to the influences that ABC has over process control. In this order of ideas, by better identifying the incurred costs or the overhead, managers can better monitor and control the evolution of products, prices, costs and consequently, profits. ABC identifies the costs incurred by each item in terms of resources consumed. Therefore, with the aid of ABC, organizational managements have the ability to control resource allocation.

Activity-Based Costing reveals yet another significant feature: it has the ability to evaluate the costs of not producing an item. This basically means that with the aid of the ABC, managers are able to know how much they have lost due to machine malfunctioning, product damaging, increased inventory costs or time spent waiting for a machine component to be replaced. "Activity-Based Costing therefore gives not only much better cost control, but increasingly, it…… [Read More]

Works Cited

Barnat, R., 2005, Strategic Control: A New Perspective, Strategic Control,  http://www.strategic-control.24xls.com/en139last  accessed on October 21, 2008

Chellasamy, P., Ligy, V.K., 2008, Activity-Based Costing - a Tool for Decision Making, Fibre 2 Fashion,  http://www.fibre2fashion.com/industry-article/7/670/activity-based-costing-a-tool-for-decision-making1.asplast  accessed on October 21, 2008

Cooper, R., Kaplan, R.S., 1998, Design of Cost Management Systems, 2nd Edition, Prentice Hall

Drucker, P.F., 2006, Classic Drucker, Harvard Business School Press
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Financial Health of AT& T With American Telephone

Words: 647 Length: 2 Pages Document Type: Term Paper Paper #: 92971804

Financial Health of AT&T

With American Telephone and Telegraph Company (AT&T) becoming incorporated in 1885, this New York-based subsidiary of the American Bell Telephone Company embarked upon a mission to provide networking as its core service (2011). Shortly after the invention of the phone, AT&T built its network from New York to various eastern seaboard cities, with its major milestone in Chicago, which marked the longest line possible with existing technology. In 1899, AT&T acquired the assets of its parent company, and it soon became known as the Bell Telephone System that primarily served long distance lines and telegraph service. It remained as a monopoly until the 1984 when an agreement was reached with the U.S. Dept of justice to dismantle the system into eight companies (AT&T, 2011). Maintaining a competitive advantage in a dynamic environment become fierce and required continuous innovation, improvement and expansion in the telecommunications industry. In…… [Read More]

References

AT&T. (2011). The History of AT&T. Retrieved from  http://www.corp.att.com/history/ 

AOL Engadget. (2011). AT&T agrees to buy t-mobile usa from deutsche telekom for $39 billion. Retrieved from  http://www.engadget.com/2011/03/20/atandt-agrees-to-buy-t-mobile-from-deutsche-telekom/ 

Flores, M. (2011, November 26). AT&T, T-Mobile withdraw FCC merger bid. The Business Review. Retrieved from  http://www.bizjournals.com/albany/news/2011/11/26/att-t-mobile-withdraw-fcc-merger-bid.html?ana=yfcpc 

Yahoo Finance. (2011). Key statistics. Retrieved from  http://finance.yahoo.com/q/ks?s=T+Key+Statistics
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Financial Analysis of Nike

Words: 1251 Length: 5 Pages Document Type: Corporate Paper #: 22148562

Financial Analysis of Nike

Nike Corporation (NKE: NYSE) is a global leader in the research and development, design and global marketing of a series of apparel, accessory, equipment and footwear products. The company is globally recognized for its excellence in marketing with the Nike brand being considered one of the top ten globally every year in consumer surveys where unaided awareness is the basis of analysis (Kwon, Kim, Mondello, 2008). Nike has one of the most extensive supply chains of any global apparel manufacturer, with a series of supplier quality audits and compliance standards including Corporate Social esponsibility (CS) initiatives and programs are enforced across the thousands of companies it sources from (Doorey, 2011). Today Nike operates in 170 different nations, dividing their overall operations into six divisions including China, Central and Eastern Europe, North America, Western Europe and Emerging Markets. Nike has over two dozen product lines it sells…… [Read More]

References

Doorey, D.. (2011). The Transparent Supply Chain: from Resistance to Implementation at Nike and Levi-Strauss. Journal of Business Ethics, 103(4), 587-603.

Kwon, H., Kim, H., & Mondello, M.. (2008). Does a Manufacturer Matter in Co-branding? The Influence of a Manufacturer Brand on Sport Team Licensed Apparel. Sport Marketing Quarterly, 17(3), 163-172.

Nike Investor Relations (2011). Investor Relations. Retrieved December 13, 2011, from Nike Investor Relations and Filings with the SEC Web site:  http://investors.nikeinc.com/ 

Venkat Ramaswamy. (2008). Co-creating value through customers' experiences: the Nike case. Strategy & Leadership, 36(5), 9-14.
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Financial Ratios for Landry Restaurants

Words: 840 Length: 3 Pages Document Type: Essay Paper #: 42215688



Therefore, I do believe that qualitative research is necessary. The financial statements can reveal much, but there are definitely instances in which the financial statements require contextual understanding for proper interpretation. Without this understanding, the firm's numbers may only reveal raw data. Raw data can be interpreted any number of different ways, so it is essential that qualitative analysis be conducted in order to place the numbers within a framework that will make understanding easier. or example, Landry's is taking on debt, but we know from the company's statements that this is to finance expansion and that hopefully when those properties are open, the returns will begin to improve.

How the firm makes money is an important consideration. This can help to not only place past performance into perspective but also to provide greater understanding of the firm's future prospects as well. Competitive advantages can be derived sometimes from the…… [Read More]

Free Cash Flow = Cash from Operating Activities -- Capital Expenditures (aka Cash from Investing Activities)

2003: $121,529 -- 189,930 = ($68,401)

2002: $111,637 -- 274,913 = ($163,276)
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Financial Project FedEx NYSE FDX

Words: 2204 Length: 8 Pages Document Type: Thesis Paper #: 60966058

The horizontal analysis showed that FedEx's profits in 2009 were just 5% of their profits in 2007. Given that EBIT contributes to the T3 component of the Z-score, which is the most significant component by weighting, this would explain why the Z-score dropped so much. The other major contributor to the Z-score is the drop in the company's market cap. The market cap is deemed important in part because the market's view of company reflects the most known information at the time. The market has a strong ability to predict financial distress. A depressed stock price indicates that investors need a greater percentage return on the expected future cash flows from the company in order to invest -- an indicator that the market believes the firm's risk level has increased. The market cap contributes to the T4 component, which is the smallest component of the Z-score. However, the decline in…… [Read More]

Works Cited:

2009 FedEx Annual Report. Retrieved February 4, 2010 from http://files.shareholder.com/downloads/FDX/791567587x0x312397/557bd7f3-8372-4afe-a664-1fdb82a488b0/FedEx2009AnnualReportl.pdf

Loth, R. (2010). Financial ratio tutorial. Investopedia. Retrieved February 4, 2010 from  http://www.investopedia.com/university/ratios/ 

Market cap and other financial information from MSN Moneycentral. Retrieved February 4, 2010 from  http://moneycentral.msn.com/companyreport?Symbol=U.S.%3aFDX 

Altman Z-Score calculator from CreditGuru.com. Retrieved February 4, 2010 from http://www.creditguru.com/cgi-bin/calculator/calcAltZ.pl
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Financial Analysis There Is Little

Words: 1442 Length: 5 Pages Document Type: Thesis Paper #: 17196483

Thus, the Board ultimately had little control over this particular cost, which is how it is found itself in a difficult financial position this year. The general lack of control over the budget is a definite weakness for the Bridgeport Board of Education.

In lieu of financial statements, there were two main resources available to help assess this organization's health. Its budget book was the primary source, as it detailed the Board's financial situation with respect to its inflows and outflows. News items are also helpful. Since the Board is not a public company, it is not required to disclose items of financial significance, but such items may come to light through the local news media.

The organization's approach to creating shareholder value is to spend its money on the programs that deliver on its strategic objectives. These include graduating students at a college-ready level, reducing the dropout rate to…… [Read More]

Works Cited:

Bridgeport Public Schools Budget Request 2009-2010.

Bridgeport Board of Education website, various pages. (2009). Retrieved November 12, 2009 from  http://www.bridgeportedu.net/ 

Lambeck, L. (2009). Bridgeport schools face health insurance funding gap. Connecticut Post. Retrieved November 12, 2009 from  http://www.allbusiness.com/education-training/education-administration-school-boards/13333032-1.html 

Brewer, R. (2008). Bridgeport school funding dilemma: No easy solutions. 06106. Retrieved November 12, 2009 from http://06106blog.org/2008/03/07/bridgeport-school-funding-dilemma-no-easy-solutions/
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Financial Analysis the Company I

Words: 2865 Length: 10 Pages Document Type: Thesis Paper #: 9701212



Overall, at&T is the more profitable of the two companies. That Verizon has the stronger gross margins and at&T the stronger net margins indicates that at&T does a better job of controlling its cost structure than does Verizon.

The Industry

The telecommunications industry is highly competitive in both the landline and wireless segments. By 2006, wireless spending had match wireline spending. hile this presents significant opportunities for telecommunications, much of that spending comes in the form of cannibalizing, as wireline revenues have been decreasing steady over the past decade, matching the steady increases in wireless spending.

There are four major wireless operators in the U.S. And over 170 regional players (Megna, 2009). Competition is based on coverage area (capital investment), price and customer service. Both firms can be considered industry leaders. As of 2007, at&T had a subscriber base of 65.7 million and wireless revenues of $10.9 billion. Verizon had…… [Read More]

Works Cited:

MSN Moneycentral Verizon. Retrieved October 24, 2009 from  http://moneycentral.msn.com/investor/invsub/results/statemnt.aspx?Symbol=VZ&lstStatement=Balance&stmtView=Ann 

MSN Moneycentral at&T. Retrieved October 24, 2009 from  http://moneycentral.msn.com/investor/invsub/results/statemnt.aspx?Symbol=T&lstStatement=Balance&stmtView=Ann 

Loth, R. (2009). Financial Ratios Tutorial. Investopedia. Retrieved October 24, 2009 from  http://www.investopedia.com/university/ratios/ 

Chen, B. (2009). Verizon iPhone? Don't hold your breath. Wired. Retrieved October 24, 2009 from  http://www.wired.com/gadgetlab/2009/10/verizon-iPhone/
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Financial Health General Financial Health

Words: 1186 Length: 4 Pages Document Type: Term Paper Paper #: 33035581



But these changes, materialized in increased sales and consequently revenues, improved quality of the products and services offered as well as the technologies used in the manufacturing process have supported the development of the corporation. From a financial point-of-view, they created the image of a strong and reliable company. The reasons why this change has financial implications is a simple one: a stronger company is better perceived by the market and by the stakeholders, increasing as such the company's sales and easing their penetration of new territories. Then, it generates increased interest from investors, easing as such Krispy Kreme's access to funding possibilities.

Even though Krispy Kreme is a strong company and represents an international brand, they are still subjected to numerous risks deriving from both the inside as well as the outside of the company. These risks, as presented by the Management's Discussion and Analysis of Financial Condition and…… [Read More]

References

Diab. D., 2002, Analysis and valuation of Krispy Kreme, Angel Fire,  http://www.angelfire.com/indie/dannydiab/fin821kkd.htm#_ftn1last  accessed on February 11, 2008

U.S. Labor Department, 2007, Accountants and Auditors,  http://www.bls.gov/oco/ocos001.html . Ast accessed on February 12, 2008

Krispy Kreme Doughnuts INC - KKD, Form 10-K, SEC Fillings, retrieved at  http://www.krispykreme.com/investorrelations.html . On February 11, 2008
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Financial Management Content Find Articles Address Financial

Words: 1275 Length: 4 Pages Document Type: Essay Paper #: 86568101

Financial Management

Content Find articles address financial reporting practices ethics standards health care finance, including * generally accepted accounting principles * corporate compliance, ethics, and fraud abuse

Financial management: Literature review

Healthcare institutions, like all organizations, are continually confronted with the four basic elements of financial management: deciding what to invest in or produce; how to finance those investments or products; how to manage assets, and how to report those assets in a manner that is useful and also complies with all necessary regulations. This paper will provide an overview of two recent articles, one on the necessity of uniform accounting procedures to ensure ethical and legal compliance amongst healthcare institutions and the other on the financial consequences of failing to do so for the institution itself.

Article 1: Maintaining the strength of your convictions

According to Larry Tyler's 2004 article "Maintaining the strength of your convictions" "Most financial executives…… [Read More]

References

Adam. (2007). Dot. Boston. Retrieved August 12, 2011 at  http://adamp.com/college/us-gaap-vs.-international-gaap-vs.-unified-gaap/ 

Fong, Gary R., Randy Wiitala & Frederick Stodolak. (2011). Uncovering pharmacy department risks and opportunities. Healthcare Financial Management Association Journal. Retrieved August 12, 2011 at  http://www.hfma.org/Publications/hfm-Magazine/Archives/2011/May/Uncovering-Pharmacy-Department-Risks-and-Opportunities/ 

Rode, Dan. (1990). Uniform accounting standards enable accurate comparisons.

Healthcare Financial Management. Retrieved August 12, 2011 at  http://findarticles.com/p/articles/mi_m3257/is_n7_v44/ai_9174983/