i need help asap

Part II

Administer the 10 question survey you developed in Week 2 to at least one to three people outside of class. Remember, the more people surveyed the better the results.

  • What difficulties did you face when administering this questionnaire? Did you receive responses consistent with how the questions were designed?
  • If you were administering this questionnaire to others, who would be your population of interest?
  • What sampling method would you use to address this population?
  • What key concepts need to be considered if this questionnaire were conducted as a research project?

Submit a 700- to 1,050-word paper on the previous information along with a summary of the results you obtained from your questionnaire to the assignment tab. Submit your individual paper to the assignment tab.

Format your paper consiste  

here are the 10 question On a scale 1-10 on a day to day basic how are you feeling with 1 being the lowest and 10 being the highest?

 How often do you feel depressed?

A.     Daily

 

B.     Sometimes

 

C.     Never

1.      How often do you exercise?

A. Daily

B.2-3 times per week

C. None

2.      Do you take anti-depressants?

    A. Yes

                   B. No

5.         How would you describe your daily mood?

a.       Cheerful

b.      Content

c.       Angry

d.      Melancholy

6.      Do you feel better when you exercise?

a.       Yes

b.      .No

7.         Have you spoken with your family doctor about your depression?

               A. yes

               B. no

8.         When do you notice your depression the most?

 9        What medication are using to treat this illness?

10.        Does the medication helps your depression? A. yes  B. no

 

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MGMT HW week 7

There are 3 assignments in the attached file. all due on Wed. 

 

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Vulnerability Assessment- Phyllis Young

The Paper was suppose to be 5 pages not including the reference and title pages, APA format, incite text and references, if possible peer reviewed articles. Like i said im not sure if you wanna do a whole new paper or just make changes and added in. I spoke in general when in fact i was suppose to pick a place or property to analyze like your did in the last paper you did for me. 

 

Teachers Comments

 

Very confusing paper because I did not see a foundation description of what property/place you are analyzing. Also, too much discussion was spent on describing what a risk analysis is rather than doing the analysis on a specific property/place. See my comments in Track Changes.

 

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Name a director who you would consider an auteur and explain your reasoning.

Auteur theory in film suggests not only that a director is the primary author of a film, but also that the film must be analyzed within the context of the director’s other films. Directors create certain expectations with their films much in the same way authors create certain expectations with their writing.

As you construct your initial post, focus on the importance of auteur theory in film analysis and interpretation.

  • Discuss the arguments against auteur theory and provide examples to support your points.
  • Examine how the auteur theory influences audiences and critics, using examples from film criticism, film marketing campaigns, and your own personal experience.

Include the name of the director you identified in the “Subject” line of your discussion. Your initial post should be at least 200 words in length. Support your claims with examples from the required material(s) and/or other scholarly sources, and properly cite any references. By Day 7, respond to at least two of your classmates who named a different director than you. In each response, discuss whether or not you agree with your classmate’s assertion that the director being considered is an auteur, and be sure to provide examples to support your position. Each response should be a minimum of 125 words.

 

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finance help needs to be done in excel

FIN 4100 Financial Institution Management

Fall 2014

Vaughn Armstrong

Due October 28, 2014

 

This assignment is open book and open note. You may consult other books, articles, or internet sites (provided the sites do not respond to specific questions you pose).

 

On questions that require calculations, you may receive partial credit for answers that are not wholly correct if you include your calculations.  On questions that ask for an explanation, do not write more than is necessary to articulate your reasoning or reflect your understanding of the specific topic of the question. Please clearly state any additional assumptions you make.

 

1. (10 points) A bond has a market value of $1225.75 and a duration of 4.36.  If the yield on the bond increases from 2.85% to 3.25%, how much is the value of the bond expected to change?

 

2. (20 points) Identify the regulator(s) that has principal regulatory authority with respect to (a) commercial banks and (b) investment banks in the United States. (Note: It may be the case that more than one regulator should be included in part a and/or part b.)  For each regulator, indicate what the general objective of its regulation is, and specify one regulatory requirement designed to accomplish that objective.

 

3. (10 points) Describe how a financial institution might use migration analysis to manage the credit risk of its loan portfolio.

 

4. (15 points) Provide a brief description of each of the following line items from a depository institution’s balance sheet, including whether the line item refers to an asset and/or a liability of the financial institution, what type of entity the counter-party is, how the line item is created, and what the typical maturity and requirements for payment are.

a. Repurchase agreement

b. Commercial loan

c. Treasury bill

d. Cash

e. Deposit

f. Federal fund

g. Commercial paper

h. Reserve

i. Subordinated note

j. Equity

 

5. (10 points) Whatcontractual rate (base rate plus risk premium) will a financial institution charge for a $75 million loan if all of the following are true:

i. The financial institution needs an expected return of 6.15% in order to cover its costs of funds and overhead and to generate a desired profit for its investors.

ii. The expected default rate on loans of this type is 4%.

iii. If there is a loan default, the financial institution still expects to recover 80% of the amount it would receive in the absence of a default.

iv. The lender charges an origination fee of 0.375% of the loan amount.

v. The lender requires the borrower to maintain a compensating balance during the full term of the loan in an amount equal to 12.5% of the loan balance.

vi. The lender maintains a reserve balance of 12.5%.

 

6. (10 points)What contractual rate (base rate plus risk premium) will a financial institution charge for a $75 million loan if all of the following are true:

i. The lender has a minimum risk adjusted return on capital of 37.5%. Capital subject to risk is calculated using the rate adjustment for the worst 5% of loans.

ii. The loan has a duration of 6.12 years.

iii. The lender’s cost of funds is 2.35%.

iv. There is a 0.65% origination fee on the loan.

v. Loans with comparable risk yield 7.25%.

vi. For a recent period, the rate adjustment for the worst 5% of loans with comparable risk due to changes in credit risk was 65 basis points.

 

7. (10 points)

a. Explain what is meant by the term intermediation and identify two types of intermediation that financial institutions utilize.

b. What effect does financial intermediation have on a financial market?

 

8. (15 points)

a. Explain why the manager of a commercial bank is concerned about gap management.

b. If a bank manager who relies on the pure expectations theory to explain the term structure of interest rates expects higher inflation to begin in approximately two years,how does the manager expect short and long term interest rates to change?

c. What actions should the manager from part b take in response to this expected change?

 

9. (10 points) A company has assets with a current value of $728 billion dollars and a debt, due in 4 years, that has a principal balanceof $402 billion.  If the company expects its asset value to grow by 4% each year and the standard deviation of monthly returns on the company’s stock is 7.75%, what is the probability that the company will default on the loan?

 

10. (40 points)What is the duration of each of the following? Assume the yield to maturity in each case is 5.25%.

a. Abond that makes a fixed semi-annual coupon payment of $28.25 which represents 2.35% of its par value and never repays the principal.

b. An 18-year bond with a par value of $1000 and 14 years remaining until maturity that pays a 4.95% annual coupon.

c. A 25-year, zero coupon bond with a face value of $5000.

d. A portfolio that includes 100 of each of the bonds from part a, b and c.

 

11. (20 points)

a. What is one important way that the assets of a depository institution differ from those of an investment bank/securities firm?

b. What is one important way that the liabilities of a depository institution differ from those of an investment bank/securities firm?

c. What is the most important source of income for a depository institution?

d. What is the most important source of income for an investment bank/securities firm?

 

12. (30 points)

a. Explain how the information revealed by a bank’s duration gap differs from that provided by its re-pricing gap.

b. A bank has assets with a total value of $4.67 billion; $4.22 billion of the assets are rate sensitive. The bank’s liabilities total $4.11 billion, all of which are rate sensitive.  If the average duration of its asset portfolio is 4.87 years and its liabilities have a 3.51-year average duration, what is the bank’s leverage adjusted duration gap?

c. What is the expected dollar and percentage change in the value of the bank’s equity if the average interest rate is expected to increase from 3.75% to 3.95%?

 

 

 

 

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http://www.epa.gov/rpdweb00/understand/ionize_nonionize.html Using the above website link, produce an A4 poster on ionising radiation and non-ionising radiation including examples of each from…

http://www.epa.gov/rpdweb00/understand/ionize_nonionize.html Using the above website link, produce an A4 poster on ionising radiation and non-ionising radiation including examples of each from the EM Spectrum, examples of uses and hazards of both and a comparison between them.
 

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Phyllis Young Only

Resources: Week 5 Learning Team Collaborative Discussion

Research an example of a new or emerging technology.

Write a 350- to 700-word paper in which you discuss the uses of emerging technology in your professional life. In this paper be sure to: 

  • Identify an example of new technology.
  • Explain how it might be applied in the work environment.
  • Discuss the potential benefits of adding this new technology.
  • Discuss the potential drawbacks of adding this new technology. 

Format your paper consistent with APA guidelines.

Save as Lastname_Technology_W5.doc

 

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Capital budgeting

Module 4 – Case

CAPITAL BUDGETING WITH FUNDING SOURCES

Case Assignment

This case has two separate parts.

Part I: Capital Budgeting Practice Problems

a. Consider the project with the following expected cash flows:

Year 

Cash flow

0

-$400,000

1

$100,000

2

$120,000

3 $850,000
  • If the discount rate is 0%, what is the project’s net present value?
  • If the discount rate is 2%, what is the project’s net present value?
  • If the discount rate is 6%, what is the project’s net present value?
  • If the discount rate is 11%, what is the project’s net present value?
  • With a cost of capital of 5%, what is this project’s modified internal rate of return?

Now draw (for yourself) a chart where the discount rate is on the horizontal axis (the “x” axis) and the net present value on the vertical axis (the Y axis). Plot the net present value of the project as a function of the discount rate by dots for the four discount rates. Connect the four points using a free hand ‘smooth’ curve. The curve intersects the horizontal line at a particular discount rate. What is this discount rate at which the graph intersects the horizontal axis? 

[ Look at the graph you draw and write a short paragraph stating what the graph ‘shows’]

b. Consider a project with the expected cash flows:

Year  Cash flow
0

-$815,000

1

$141,000

2

$320,000

3

$440,000

  • What is this project’s internal rate of return?
  • If the discount rate is 1%, what is this project’s net present value?
  • If the discount rate is 4%, what is this project’s net present value?
  • If the discount rate is 10%, what is this project’s net present value?
  • If the discount rate is 18%, what is this project’s net present value?

Now draw (for yourself) a chart where the discount rate is on the horizontal axis (the “x” axis) and the net present value on the vertical axis (the Y axis). Plot the net present value of the project as a function of the discount rate by dots for the four discount rates. Connect the four points using a free hand ‘smooth’ curve. The curve intersects the horizontal line at a particular discount rate. What is this discount rate at which the graph intersects the horizontal axis? 

[ Observe the graph and write a short paragraph stating what the graph ‘shows’]

c. Read the background materials. Then write a one-to-two page paper answering the following question:

Which method do you think is the better one for making capital budgeting decisions – IRR or NPV?

Part 2: Equity and Debt

Read the article below available in ProQuest:

American Superconductor switch ; Westboro company plans to raise money through a stock offering, Andi EspositoTelegram & Gazette. Worcester, Mass.: Aug 26, 2003. pg. E.1

Abstract (Article Summary)

“AMSC’s management and board of directors believe the decision to forgo a secured debt financing and to adopt an equity financing strategy under current market conditions is in the best interests of our shareholders,” said Gregory J. Yurek, chief executive officer of AMSC. The 265-employee company has operations in Westboro and Devens and in Wisconsin.

Finally, the Northeast blackout “shined a lot of light on the problems we have been talking about as a company for three to four years,” Mr. Yurek said. AMSC products, such as a system installed this year in the aging Connecticut grid and high temperature superconductor power cables and other devices bought by China for its grid, are designed to improve the cost, efficiency and reliability of systems that generate, deliver and use electric power. “We are a company with products out there solving problems today,” he said.

After reading the background materials and doing your research, apply what you learned from the background materials and write a two to three page paper answering the following questions:

What are the advantages and disadvantages for AMSC to forgo their debt financing and take on equity financing? Do you agree with their decision? How can a company’s cost of equity be determined? Is there a tax deduction from the use of debt financing? Please explain.

Explain your answers thoroughly. Be sure to support your opinions on these assignment questions with references to the background materials or to other articles in your paper.

Assignment Expectations

This assignment consists of a quantitative section (Part 1) and an essay section (Part 2) below. Upload both sections as one Word document by the end of the Module.

 

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BAM 501 – Human Relations

Need help on the Unit 4 questions only. 

 

 

 

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