Category: Finance

In this Discussion, please reflect on the week’s topics. Choose a topic from Chapters 18, 19, or 21.

Your research should provide a measure of information about the topics significance to the current business climate. At least two reference sources should be used to support a substantive and detailed response. Make sure to give credit to your sources, though formal citations are not required. Please be thorough and respectful on the discussion board. Check your grammar, punctuation and spelling before posting.

Reference sources must be limited to the Wall Street Journal, Financial Times, New York Times, Barrons, Investors Business Daily, The Economist, or an academic journal article from a respected accounting or finance journal.

See attached for the topic

Instructions

In this assignment, please create two case studies in PowerPoint using the scenarios below. For both cases, you should assume that you work as a loan officer, and you will be presenting your thoughts to the credit committee at your institution.

John and Jane Doe

John and Jane Doe are both 40 years old with two children, ages 12 and 10. John is an assistant principal making $80,000 per year. He has been in the same school district for over 10 years, working in different positions. Jane works part-time, making around $14,000 per year. The couple has about $25,000 in equity on their current home and $30,000 in savings. They came to your office seeking a pre-approval for a new mortgage.

Create an initial 10- to 12-slide presentation for your credit committee describing the couple’s creditworthiness and your recommendation for pre-approval/denial. If you do pre-approve, include the maximum amount you would recommend.

Additionally, create 35 slides outlining a new credit card you would like to offer to John and Jane Doe. Include your rationale and the limit you are suggesting.

Overview

This is the second milestone leading up to your final project. In Final Project Milestone One, you introduced the business you chose. You examined its financial statements and financial health and reported its financial values. In Final Project Milestone Two, you will make calculations based on the latest information found using Mergent Market Atlas about your company and compare the totals with those of one year ago. You will then use these figures to decide whether short-term financing is needed to improve your companys financial health. Before moving forward, review your instructors feedback for Milestone One and incorporate any suggestions.

Scenario

The CFO of your company has asked for your support in preparing a report for the businesss board of directors. Many of the board members are new, and some of them have little background in finance. With this in mind, you will need to write a report that all board members can easily understand.

Directions

For the company you chose for your final project, open the following documents:

• The balance sheet, income statement, and cash flow statement from the latest fiscal quarter (from Mergent Market Atlas)
• The Ratios Most Recent Fiscal Qtr worksheet in the Final Project Financial Formulas workbook (linked in the What to Submit section).
• example, if the latest fiscal quarter available is the third quarter in 2023, youll compare those results to the same financial calculations from the third quarter in 2022.

Use the documents to calculate key financial ratios.

Then open the following documents:

• The balance sheet, income statement, and cash flow statement from the same fiscal quarter one year ago
• The Ratios Same Fiscal Qtr 1 Year Ago worksheet

Use the documents to calculate the same financial ratios. Finally, compare those ratios and analyze your results.

Specifically, you must address the following rubric criteria:

1. Financial Calculations. Calculate accurate financial formulas to assess the businesss current financial health. Specifically, calculate the following formulas using the Ratios Most Recent Fiscal Qtr and the Ratios Same Fiscal Qtr 1 Year Ago worksheets in the Final Project Financial Formulas workbook:
2. Working capital
3. Current ratio
4. Debt ratio
5. Earnings per share
6. Price and earnings ratio
7. Total asset turnover ratio
8. Financial leverage
9. Net profit margin
10. Return on assets
11. Return on equity
12. Fiscal Quarter Comparison. Summarize the differences between the following:
13. The results from your financial calculations of the most recent fiscal quarter
14. The results of the same financial calculations of the same fiscal quarter from one year ago
15. For example, if the most recent fiscal quarter available is the third quarter in 2023, youll compare those results to the same financial calculations from the third quarter in 2022.
16. Comparison Analysis. Explain what your calculations and comparison show about the businesss current financial health. Give examples to support your explanation for the following questions:
17. Do the results show the business is financially healthy or unhealthy? Which results indicate this?
18. What might be the causes of the businesss financial success or failure?
19. Is more information needed to determine the businesss financial health? If so, which pieces of information might still be needed?
20. Short-Term Financing. Explain how potential short-term financing sources could help the business raise funds needed to improve its financial health. Base your response on the businesss current financial information.

What to Submit

Your submission should be a 2- to 3-page Word document (not including title and resource pages) with 12-point Times New Roman font, double spacing, and one-inch margins. Include the Balance Sheet and Income Statement from Mergent Market Atlas with your submission. All sources should be cited using APA style. You must also use the workbook and submit the following worksheets:

• The Ratios Most Recent Fiscal Qtr worksheet from the Final Project Financial Formulas workbook
• The Ratios Same Fiscal Qtr1 Year Ago worksheet from the Final Project Financial Formulas workbook

Overview

Organizations must manage their working capital to meet their short-term obligations. Its important to consider working capital problems such as excess credit or a low cash balance. This is especially important when you propose new projects or investments. A business can get a competitive advantage in the marketplace if it manages these issues early.

Directions

Look at the business you selected in Final Project Milestone One and its financial statements for the most recent fiscal quarter. Complete the calculations for determining working capital. Then tell how the financial statements help determine financial health.

Specifically, you must address the following rubric criteria:

• Financial Statements: Explain the various financial statements needed to calculate a businesss working capital. Also explain how to use each financial statement for the calculation. Give examples to support your claims.
• Working Capitals Role: Discuss how businesses that manage their working capital well stay healthy.
• Working Capital Interpretation: Use the correct formula to calculate working capital. Then discuss the businesss financial liquidity position at this time.
• For example, does the business have enough working capital ready to address bills to suppliers? Will there be potential cash inflow at the end of the year?
• Working Capital Management Trend: Discuss the businesss trend in how they manage their working capital.
• Remember that financial statements reflect a specific period of time and the value of the businesss working capital during that period. Use Mergent Market Atlas to find financial statements for earlier periods. This will give you a better sense of the businesss trend.

What to Submit

Your submission should be a 2- to 3-page Microsoft Word document with 12-point Times New Roman font, double spacing, and one-inch margins. All sources should be cited using APA style.

Chapter 7 focuses on deposits and the regulations related to them. This assignment requires you to find a recent news article (less than three years old) from a reputable news agency related to deposits. Examples of reputable finance-related sources include the American Bankers Association, Wall Street Journal, Forbes, USA Today, etc. After locating a relevant article, you will write a 300- to 500-word review of the article. The topic of your review offers flexibility.

Some ideas include discussing how it relates to the textbook, ways the article helped expand your understanding of the subject, and an argumentative essay supporting or disagreeing with the author. You are not limited to these options, but your review should be appropriate for an academic setting.

Chloe Young is evaluating her debt safety ratio. Her monthly take-home pay is $3,320 from her job as a teacher. Each month, she pays $325 for an auto loan from Ford Financing, $95 on a personal line of credit from Bank of America, $40 on a Target Credit Card, $85 on her Chase Bank Credit Card, and $100 towards her student loan payment serviced by MOHELA. Please download a copy of the Consumer Debt Case Study Worksheet Download Consumer Debt Case Study Worksheet. Use the information above to fill in the sections of the top portion that are shaded in blue. From there answer the questions in the bottom portion by appropriately filling out the sections shaded in orange. When complete, please upload the workbook as your submission for this case study.

Provide examples of what attributes and personal characteristics contribute to transformational leaders’ success. Identify a transformational leader that embodies the attributes and characteristics that you provided and explain how they have been successful.

Instructions are within the file