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Category: Business & Finance

  • [Solved] WPC 300: Problem solving and actionable analytics: 5.6 Test your Skills problem Forecasting linear Relationships Excel based problem

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    **Solved Excel sheet with formulas included** NOT RATED Purchase the answer to view it ![blurred-text](https://www.sweetstudy.com/assets/images/blurred-text.c4cde9f021be0abed13ca77c3d6d43d3.png) 5.6estYourSkillsForecastingLinearRelationships.xlsx ![homework question](https://www.sweetstudy.com/asset…

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    **Solved Excel sheet with formulas included**
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    ![blurred-text](https://www.sweetstudy.com/assets/images/blurred-text.c4cde9f021be0abed13ca77c3d6d43d3.png)
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  • [Solved] FIN 320 Module Six Journal Guidelines and Rubric

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    ## FIN 320 Module Six Journal Guidelines and Rubric ### Overview Risk and return go together. You must understand this relationship to make informed financial decisions. This applies when you make personal investment decisions or when you’re investing excess cash for a business. In this journal assi…

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    ## FIN 320 Module Six Journal Guidelines and Rubric
    ### Overview
    Risk and return go together. You must understand this relationship to make informed financial decisions. This applies when you make personal investment decisions or when you’re investing excess cash for a business. In this journal assignment, you will explore the risk-return relationship when investing in stocks in both of these roles.
    ### Directions
    Write a journal discussing risk and return as it relates to investing in stocks.
    Specifically, you must address the following rubric criteria:
    – **Investment Risk:** Explain key risks associated with investing in stocks.
    – **Investment Return:** Discuss events that can cause the price of a stock to increase or decrease.
    – **Risk-Return Relationship:** Explain the relationship between risk and return and how this relationship affects stock-investment decisions. Use examples to support your claims.
    – **Reflection:**Describe how you would make stock-investment decisions in your:
    – Personal life: Investing for yourself
    – Professional life: Investing in a business
    ### What to Submit
    Your submission should be a 4- to 5-paragraph Microsoft Word document (not including title and resource pages) with 12-point Times New Roman font, double spacing, and one-inch margins. Sources should be cited using APA style.
    ### Module Six Journal Rubric
    CriteriaMeets Expectations (100%)Partially Meets Expectations (70%)Does Not Meet Expectations (0%)Value **Investment Risk** Explains key risks associated with investing in stocksShows progress toward meeting expectations, but with errors or omissions; areas for improvement may include explaining in more detail the key risks associated with investing in stocksDoes not attempt criterion21 **Investment Return** Discusses events that can cause the price of a stock to increase or decreaseShows progress toward meeting expectations, but with errors or omissions; areas for improvement may include discussing in more detail the events that can cause the price of a stock to increase or decreaseDoes not attempt criterion21 **Risk-Return Relationship** Explains the relationship between risk and return and how this relationship affects stock-investment decisions, using examples to support claimsShows progress toward meeting expectations, but with errors or omissions; areas for improvement may include explaining in more detail the relationship between risk and return and how this relationship affects stock-investment decisions, using examples to support claimsDoes not attempt criterion22 **Reflection** Describes how personal stock-investment decisions would be made and talks about how the decision-making process would change if the decisions were being made for a businessShows progress toward meeting expectations, but with errors or omissions; areas for improvement may include describing in more detail how personal stock-investment decisions would be made and how the decision-making process would change if the decisions were being made for a businessDoes not attempt criterion21 **Clear Communication** Consistently and effectively communicates in an organized way to a specific audienceShows progress toward meeting expectations, but communication is inconsistent or ineffective in a way that negatively impacts understandingShows no evidence of consistent, effective, or organized communication10 **Citations and Attributions** Uses citations for ideas requiring attribution, with few to no minor errorsUses citations for ideas requiring attribution, with major errorsDoes not use citations for ideas requiring attribution5 **Total:** 100%

  • [Solved] Module 8 Short Paper (Ethical & Legal)

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    ## Overview Healthcare professionals provide support throughout the cycle of life, from birth to death. They have an obligation to provide humane and compassionate care to patients while adhering to their specific field’s code of ethics. Sometimes, healthcare professionals are privy to discussions b…

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    ## Overview
    Healthcare professionals provide support throughout the cycle of life, from birth to death. They have an obligation to provide humane and compassionate care to patients while adhering to their specific field’s code of ethics. Sometimes, healthcare professionals are privy to discussions between family members regarding end-of-life issues. In some instances, a healthcare facility may be in charge of providing information about advance directives to patients. Healthcare professionals should calibrate their own moral beliefs to align with their ethical and legal obligations. By studying issues contained within real-life cases, healthcare professionals can come to terms with their beliefs and obligations relative to end-of-life issues.
    In this assignment, you will demonstrate your mastery of the following course outcomes:
    – Analyze bioethical issues faced by various healthcare professionals for their impact on decision making
    ## Prompt
    For this short paper, you will analyze the Terri Schiavo case through the lens of the bioethical issue(s) related to the case. You will analyze the case to address what the bioethical issue is and what role end-of-life issues, such as self-determination and advanced directives, played in the case. Using your analysis, you will determine how this bioethical issue impacted the decisions made by the healthcare professionals involved in the case.
    Your short paper must address the following **critical elements**:
    1. **Introduction**: Describe the provided case, including information on the stakeholders involved, the bioethical issue, and the time period of the incident that occurred.
    2. **Bioethical Analysis**: Analyze the bioethical issue for the role end-of-life issues played in the case. Be sure to use appropriate terminology and support with secondary research.
    3. **Conclusion**: Describe how the bioethical issue influenced the decisions of healthcare professionals involved in the case. Be sure to use specific examples.
    ## What to Submit
    Your bioethical short paper should be a 1- to 2-page Microsoft Word document formatted with 12-point Times New Roman font and one-inch margins. All citations and references should be formatted according to the most recent APA guidelines.

  • [Solved] Discussion Module 8 (Employee & Labor)

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    ## Overview Your active participation in the discussions is essential to your overall success this term. Discussion questions will help you make meaningful connections between the course content and the larger concepts of the course. These discussions give you a chance to express your own thoughts, …

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    ## Overview
    Your active participation in the discussions is essential to your overall success this term. Discussion questions will help you make meaningful connections between the course content and the larger concepts of the course. These discussions give you a chance to express your own thoughts, ask questions, and gain insight from your peers and instructor.
    ## Directions
    For each discussion, you must create **one initial post** and follow up with at least **two response posts**.
    For your **initial post**, do the following:
    – Write a post of 1 to 2 paragraphs.
    – In Module One, complete your initial post by Thursday at 11:59 p.m. Eastern.

  • [Solved] Business & Finance Overview of Case Studies Assignment

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    **Required Resource** Thomas, G. (2024). _How to Do Your Literature Review_ (3rd ed.). Sage Publications, Ltd. ISBN: 9781529755909 Thomas, G. (2021). _How to Do Your Case Study_ (3rd ed.). Sage Publications Ltd. ISBN: 9781529685794 _The resources below is provided in the course at no cost to the stu…

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    **Required Resource**
    Thomas, G. (2024). _How to Do Your Literature Review_ (3rd ed.). Sage Publications, Ltd. ISBN: 9781529755909
    Thomas, G. (2021). _How to Do Your Case Study_ (3rd ed.). Sage Publications Ltd. ISBN: 9781529685794
    _The resources below is provided in the course at no cost to the student. However, if the student prefers a physical copy of the resources, he or she may purchase it through the_ _Liberty University Online bookstore,_ [_BNC Virtual_](https://bncvirtual.com/liberty) _. The purchase of physical copies is optional._
    _Gallagher, J. R. (2024). Case Study Research in the Digital Age_ (1st ed.). Routledge.
    **Recommended Resource**
    American Psychological Association. _Publication Manual of the American Psychological Association_ (current ed.). Washington, DC: Author.
    [**Read: Thomas (2021): Chapters 1,2,4,6,7**](https://canvas.liberty.edu/courses/869079/modules/items/91982545 "Read: Thomas (2021): Chapters 1,2,4,6,7 ")
    – [Read: Gallagher: Chapter 1](https://go.openathens.net/redirector/liberty.edu?url=https%3A%2F%2Fwww.taylorfrancis.com%2Fchapters%2Fmono%2F10.4324%2F9781003402169-2%2Fdefinitions-descriptions-entities-john-gallagher%3Fcontext%3Dubx%26refId%3D26a045e6-a0f4-4efe-9730-dd04da0160ab "Read: Gallagher: Chapter 1")
    – https://www.taylorfrancis.com/chapters/mono/10.4324/9781003402169-2/definitions-descriptions-entities-john-gallagher?context=ubx&refId=26a045e6-a0f4-4efe-9730-dd04da0160ab
    – [Read: Short and sweet: Multiple mini case studies as a form of rigorous case study research.](https://link.springer.com/article/10.1007/s10257-024-00674-2 "Read: Short and sweet: Multiple mini case studies as a form of rigorous case study research.")
    – https://link.springer.com/article/10.1007/s10257-024-00674-2
    – [**Watch: Different Types of Case Studies**](https://canvas.liberty.edu/courses/869079/modules/items/91982555 "Watch: Different Types of Case Studies ")
    – **Watch: What Are Validity & Reliability In Research? SIMPLE Explainer (With Examples)**
    Overview of Case Studies Assignment
    \
    OverviewofCaseStudiesAssignmentInstructions.docx](https://www.sweetstudy.com/files/overviewofcasestudiesassignmentinstructions-docx "OverviewofCaseStudiesAssignmentInstructions.docx")
    \
    OverviewofCaseStudiesAssignmentTemplate.docx](https://www.sweetstudy.com/files/overviewofcasestudiesassignmenttemplate-docx "OverviewofCaseStudiesAssignmentTemplate.docx")
    \
    OverviewofCaseStudiesAssignmentGradingRubric.pdf](https://www.sweetstudy.com/files/overviewofcasestudiesassignmentgradingrubric-pdf "OverviewofCaseStudiesAssignmentGradingRubric.pdf")

  • [Solved] Business & Finance Case Study: Financial Statements Assignment

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    CASE STUDY: FINANCIAL STATEMENTS ASSIGNMENT INSTRUCTIONS OVERVIEW During this course, you will complete seven case study assignments. The purpose of the case study is to allow you to read through real-world examples from various companies and learn more about the financial issues that they face. You…

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    CASE STUDY: FINANCIAL STATEMENTS ASSIGNMENT INSTRUCTIONS
    OVERVIEW
    During this course, you will complete seven case study assignments. The purpose of the case
    study is to allow you to read through real-world examples from various companies and learn
    more about the financial issues that they face. You will use the case study scenarios to apply the
    concepts that you have learned from the weekly content. Case studies are an engaging
    assignment that allow you to not only apply the concepts from the course, but also to use critical
    thinking skills when completing the analysis.
    INSTRUCTIONS
    • Read Case 4.2. Bertha’s Bridal Boutique: Determining cash flow amounts from
    comparative balance sheets and income statements on pages 4-47 through 4-49
    • Respond to questions 1 through 5
    • Prepare your analysis of the company based on your responses to questions 1 through 5.
    • Length of assignment – Each case study analysis should be a minimum of two pages in
    length. The assignments should be submitted in a Word document with spreadsheets
    embedded in the Word document, as needed.
    o A cover page is also required, but not part of the two pages of content. A properly
    formatted reference page and corresponding in-text citations are also required.
    • You should use APA formatting
    • A minimum of two scholarly citations are required
    • Acceptable sources include scholarly articles published within the last five years and your
    textbook.
    • Refer to Case Study Overview document for further instructions.
    Note: Your assignment will be checked for originality via the Turnitin plagiarism tool.
    BUSI 532
    CASE STUDY OVERVIEW
    OVERVIEW
    During this course, you will complete seven Case Study Assignments. The purpose of the case
    study is to allow you to read through real-world examples from various companies and learn
    more about the financial issues that they face. You will use the case study scenarios to apply the
    concepts that you have learned from the weekly content. Case studies are an engaging
    assignment that allow you to not only apply the concepts from the course, but also to use critical
    thinking skills when completing the analysis.
    INSTRUCTIONS
    • Length of assignment – Each case study analysis should be a minimum of 500 to 1000
    words in length. The assignments should be submitted in a Word document with
    spreadsheets embedded in the Word document, as needed.
    o A cover page is also required. A properly formatted reference page and
    corresponding in-text citations are also required.
    • You should use APA formatting
    • A minimum of two scholarly citations are required
    • Acceptable sources include scholarly articles published within the last five years and your
    textbook.
    Note: Your assignment will be checked for originality via the Turnitin plagiarism tool.

  • [Solved] Advanced Financial Statement Analysis (B02) Discussion

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    ### **Chapter 1 – The Economic and Institutional Setting for Financial Reporting.pptx** [Download Chapter 1 – The Economic and Institutional Setting for Financial Reporting.pptx](https://canvas.liberty.edu/courses/950718/files/115965586/download?download_frd=1) (1.11 MB) ### **Chapter 4 – Structure …

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    ### **Chapter 1 – The Economic and Institutional Setting for Financial Reporting.pptx**
    [Download Chapter 1 – The Economic and Institutional Setting for Financial Reporting.pptx](https://canvas.liberty.edu/courses/950718/files/115965586/download?download_frd=1) (1.11 MB)
    ### **Chapter 4 – Structure of the Balance Sheet and Statement of Cash Flows.pptx**
    [Download Chapter 4 – Structure of the Balance Sheet and Statement of Cash Flows.pptx](https://canvas.liberty.edu/courses/950718/files/115965530/download?download_frd=1) (2.69 MB)
    ## Watch: Module 1 Presentation
    https://canvas.liberty.edu/courses/950718/pages/watch-module-1-presentation?module_item_id=90922585
    ### **Discussion Thread: Financial Accounting Information**
    **Part One:**
    Discuss how the following market forces influence the supply of financial accounting information:
    – Debt and equity financial markets
    – Managerial labor markets
    – The market for corporate control (for example, mergers, takeovers, etc.)
    **Part Two:**
    Financial information and reporting is required to measure the performance of management and the organization. The Bible contains several examples of the importance of financial information.
    2 Kings 12:16 states “No accounts were kept with the men to whom the money was paid over to be spent on workmen since they were honest in their dealings.”
    For Part Two, read through 2 Kings 12:16 through 22:7 and explain what the scripture states about how financial accounting information also deters fraud. Use specific scripture verses in your post.
    **Required Resource**
    Revsine, L., Collins, D., Johnson, W.B., Mittelstaedt, H.F., & Soffer, L. (2021). _Financial reporting and analysis_ (8th ed.). New York: McGraw-Hill Education. ISBN: 9781264097067.
    _Disclaimer:_ _The above resources_ _provide information consistent with the latest research regarding the subject area. Liberty University does not necessarily endorse specific personal, religious, philosophical, or political positions found in these_ _resources._
    **Recommended Resource**
    American Psychological Association. _Publication manual of the American Psychological Association_ (Current ed.). Washington, DC: Author.
    \
    DiscussionAssignmentInstructionsFinancialAccountingInformation.docx](https://www.sweetstudy.com/files/discussionassignmentinstructionsfinancialaccountinginformation-docx "DiscussionAssignmentInstructionsFinancialAccountingInformation.docx")

  • [Solved] Need help with a Report

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    Please see attached – ## CaseStudy2AssignmentInstructions.docx **## CaseStudy2AssignmentInstructions.docx** | | | | | — | — | — | | Online Homework System | Assignment Worksheet<br>_8/15/25 – 7:59:50 AM MDT_ | | | | | | | | — | — | — | — | | **Name:** | \_\_\____________…

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    Please see attached

    – ## CaseStudy2AssignmentInstructions.docx

    **## CaseStudy2AssignmentInstructions.docx**

    | | | |
    | — | — | — |
    | Online Homework System | Assignment Worksheet<br>_8/15/25 – 7:59:50 AM MDT_ | |

    | | | | |
    | — | — | — | — |
    | **Name:** | \_\_\__________________________ | **Class:** | MATH244R10 Business Mathematics – Section 4 |
    | **Class #:** | \_\_\__________________________ | **Section #:** | \_\_\__________________________ |
    | **Instructor:** | Ryan Tifenbach | **Assignment:** | Case Study 2 |

    **Assignment Instructions:**

    _Case Study 2 Instructions_

    _Complete this case study after you have worked through Units 6–10 and completed Term Test 2._

    _Once you begin the case study, you will have 10 days to complete it and submit your work. You can use the print functionality in your web browser to print out a hard copy to reference as you work on the case study. Select_
    _**Quit and Save** to leave the case study and return at a later time. When you are ready to submit your assignment, upload your file(s) as instructed and select_
    _**Submit Assignment**._

    | |
    | — |
    | **Question 1: (75 points)**<br>Case Study 2<br>To complete the case study, read the scenario, then complete the tasks that follow it.<br>Scenario<br>Working as a financial adviser, you’ve just been assigned a new client. Hannah just turned 28 and is seeking advice on retirement planning.<br>Hannah expects to retire at the age of 65 and will convert her registered retirement savings plan (RRSP) into a retirement income fund (RIF) and begin withdrawing money from her RIF at that time. Under her current savings plan, she is contributing $450 a month until she retires into an RRSP that is expected to earn 6% compounded monthly. Beginning one month after her 65th birthday, Hannah plans on withdrawing monthly from the RIF, which she expects will earn a more conservative 5% compounded monthly. She plans to spread the payments over 20 years.<br>Hannah also purchased a house at the age of 24. At that time, she signed a 5-year term mortgage for $350,000 at a rate of 4.75% compounded semi-annually and amortized over 25 years, with monthly payments. In one year’s time, Hannah will need to renew her mortgage.<br>Hannah’s objective is to maximize her retirement savings. Having done some research on the huge interest costs involved with mortgages, she knows that some mortgages offer an accelerated option that allows the mortgagee to pay off the mortgage faster by making additional payments that are applied directly against the principal. As such, Hannah is seeking your advice on whether she should<br>a. continue with her current contributions to her RRSP and renew her mortgage on the current 25-year amortization schedule or<br>b. pause her contributions to her RRSP, diverting those funds to paying down her mortgage at a faster rate.<br>She has flexibility to increase her monthly payments to her mortgage but is also wary of a loss of disposable income.<br>Hannah has spoken with a mortgage broker as well and is considering three options:<br>**Option 1:** Continue with the current course of action. The details are as follows:<br> <br>· Until she retires, Hannah contributes $450 a month into an RRSP expected to earn 6% compounded monthly.<br>· She maintains the 25-year amortization period and renews her mortgage for four successive 5-year terms at a rate of 4.75% compounded semi-annually and amortized over 25 years.<br>**Option 2:** Renew the mortgage without the accelerated payment option but increase the amount of the mortgage payments to pay off the mortgage in a total of 15 years (i.e., 10 years from the renewal date). Continue with the current contributions to the RRSP. The details are as follows:<br> <br>· Hannah renews the mortgage with increased payments to reduce the amortization period from 25 years to 15 years. The mortgage broker is offering a 5-year term at 8% compounded semi-annually, amortized over 15 years, with bi-weekly payments, followed by a 5-year term at 8.5% compounded semi-annually, amortized over 15 years, with weekly payments.<br>· Until she retires, Hannah contributes $450 a month into an RRSP expected to earn 6% compounded monthly.<br>**Option 3:** Renew the mortgage with the accelerated payment option. Increase the amount of the regular mortgage payments to pay off the mortgage in a total of 15 years (i.e., 10 years from the renewal date) and divert contributions from the RRSP to the mortgage until the mortgage is paid off. Resume payments to the RRSP after the mortgage is paid off. The details are as follows:<br> <br>· Hannah renews the mortgage with increased payments to reduce the amortization period from 25 years to 15 years. The mortgage broker is offering a 5-year term at 8.25% compounded semi-annually, amortized over 15 years, with bi-weekly payments, followed by a 5-year term at 8.75% compounded semi-annually, amortized over 15 years, with weekly payments.<br>· She ceases contributing $450 a month to the RRSP until her mortgage is paid off. Instead, she adds this $450 per month payment to her mortgage payment as an accelerated payment, which is split evenly over her biweekly and then weekly payments. The accelerated payments are applied directly to the mortgage’s principal. (<br>**Note:** To track the impact of the accelerated payments, you must complete a full amortization schedule for all three terms. This will also allow you to determine when her mortgage will be paid off.)<br> <br>· Hannah resumes contributions to the RRSP once her mortgage is paid off. Until she is 65, she takes the last monthly amount she was paying on her mortgage and pays it into the RRSP monthly instead.<br>Tasks<br>Evaluate the three options outlined above and prepare a brief report (written in MS Word) for Hannah. Your report should include<br>a. an explanation of the rationale for each option that outlines the pros and cons associated with each. <br>**(5 marks for each option; total: 15 marks)**<br>b. a table comparing the three options. The table should include the following information for each option: the monthly mortgage payment, monthly RRSP contribution, total monthly payments to the RRSP and mortgage, total amount paid on the mortgage, total interest paid on the mortgage, total value of the RRSP at retirement, and expected monthly payment from the RIF. <br>**(20 marks for the calculations associated with the mortgage, 15 marks for the RRSP calculations, and 10 marks for the RIF calculations; total: 45 marks)**<br>c. a summary detailing your recommendation as to the best of the three options provided for Hannah based on her objective of maximizing her retirement funds. In addition, suggest an alternative option that Hannah hasn’t considered. You do not need to analyze this option, but should explain why you think this might be a better alternative. <br>**(15 marks)**<br>**Total: 75 marks**<br>Your report should include all supporting calculations in an appendix. Show the details of all calculations to ensure partial grades can be awarded for your work.<br>When you have completed it, upload your report (including appendix) into the box below.<br>Document Upload (Direct) |

    **## CaseStudy2AssignmentInstructions.docx**

    | | | |
    | — | — | — |
    | Online Homework System | Assignment Worksheet<br>_8/15/25 – 7:59:50 AM MDT_ | |

    | | | | |
    | — | — | — | — |
    | **Name:** | \_\_\__________________________ | **Class:** | MATH244R10 Business Mathematics – Section 4 |
    | **Class #:** | \_\_\__________________________ | **Section #:** | \_\_\__________________________ |
    | **Instructor:** | Ryan Tifenbach | **Assignment:** | Case Study 2 |

    **Assignment Instructions:**

    _Case Study 2 Instructions_

    _Complete this case study after you have worked through Units 6–10 and completed Term Test 2._

    _Once you begin the case study, you will have 10 days to complete it and submit your work. You can use the print functionality in your web browser to print out a hard copy to reference as you work on the case study. Select_
    _**Quit and Save** to leave the case study and return at a later time. When you are ready to submit your assignment, upload your file(s) as instructed and select_
    _**Submit Assignment**._

    | |
    | — |
    | **Question 1: (75 points)**<br>Case Study 2<br>To complete the case study, read the scenario, then complete the tasks that follow it.<br>Scenario<br>Working as a financial adviser, you’ve just been assigned a new client. Hannah just turned 28 and is seeking advice on retirement planning.<br>Hannah expects to retire at the age of 65 and will convert her registered retirement savings plan (RRSP) into a retirement income fund (RIF) and begin withdrawing money from her RIF at that time. Under her current savings plan, she is contributing $450 a month until she retires into an RRSP that is expected to earn 6% compounded monthly. Beginning one month after her 65th birthday, Hannah plans on withdrawing monthly from the RIF, which she expects will earn a more conservative 5% compounded monthly. She plans to spread the payments over 20 years.<br>Hannah also purchased a house at the age of 24. At that time, she signed a 5-year term mortgage for $350,000 at a rate of 4.75% compounded semi-annually and amortized over 25 years, with monthly payments. In one year’s time, Hannah will need to renew her mortgage.<br>Hannah’s objective is to maximize her retirement savings. Having done some research on the huge interest costs involved with mortgages, she knows that some mortgages offer an accelerated option that allows the mortgagee to pay off the mortgage faster by making additional payments that are applied directly against the principal. As such, Hannah is seeking your advice on whether she should<br>a. continue with her current contributions to her RRSP and renew her mortgage on the current 25-year amortization schedule or<br>b. pause her contributions to her RRSP, diverting those funds to paying down her mortgage at a faster rate.<br>She has flexibility to increase her monthly payments to her mortgage but is also wary of a loss of disposable income.<br>Hannah has spoken with a mortgage broker as well and is considering three options:<br>**Option 1:** Continue with the current course of action. The details are as follows:<br> <br>· Until she retires, Hannah contributes $450 a month into an RRSP expected to earn 6% compounded monthly.<br>· She maintains the 25-year amortization period and renews her mortgage for four successive 5-year terms at a rate of 4.75% compounded semi-annually and amortized over 25 years.<br>**Option 2:** Renew the mortgage without the accelerated payment option but increase the amount of the mortgage payments to pay off the mortgage in a total of 15 years (i.e., 10 years from the renewal date). Continue with the current contributions to the RRSP. The details are as follows:<br> <br>· Hannah renews the mortgage with increased payments to reduce the amortization period from 25 years to 15 years. The mortgage broker is offering a 5-year term at 8% compounded semi-annually, amortized over 15 years, with bi-weekly payments, followed by a 5-year term at 8.5% compounded semi-annually, amortized over 15 years, with weekly payments.<br>· Until she retires, Hannah contributes $450 a month into an RRSP expected to earn 6% compounded monthly.<br>**Option 3:** Renew the mortgage with the accelerated payment option. Increase the amount of the regular mortgage payments to pay off the mortgage in a total of 15 years (i.e., 10 years from the renewal date) and divert contributions from the RRSP to the mortgage until the mortgage is paid off. Resume payments to the RRSP after the mortgage is paid off. The details are as follows:<br> <br>· Hannah renews the mortgage with increased payments to reduce the amortization period from 25 years to 15 years. The mortgage broker is offering a 5-year term at 8.25% compounded semi-annually, amortized over 15 years, with bi-weekly payments, followed by a 5-year term at 8.75% compounded semi-annually, amortized over 15 years, with weekly payments.<br>· She ceases contributing $450 a month to the RRSP until her mortgage is paid off. Instead, she adds this $450 per month payment to her mortgage payment as an accelerated payment, which is split evenly over her biweekly and then weekly payments. The accelerated payments are applied directly to the mortgage’s principal. (<br>**Note:** To track the impact of the accelerated payments, you must complete a full amortization schedule for all three terms. This will also allow you to determine when her mortgage will be paid off.)<br> <br>· Hannah resumes contributions to the RRSP once her mortgage is paid off. Until she is 65, she takes the last monthly amount she was paying on her mortgage and pays it into the RRSP monthly instead.<br>Tasks<br>Evaluate the three options outlined above and prepare a brief report (written in MS Word) for Hannah. Your report should include<br>a. an explanation of the rationale for each option that outlines the pros and cons associated with each. <br>**(5 marks for each option; total: 15 marks)**<br>b. a table comparing the three options. The table should include the following information for each option: the monthly mortgage payment, monthly RRSP contribution, total monthly payments to the RRSP and mortgage, total amount paid on the mortgage, total interest paid on the mortgage, total value of the RRSP at retirement, and expected monthly payment from the RIF. <br>**(20 marks for the calculations associated with the mortgage, 15 marks for the RRSP calculations, and 10 marks for the RIF calculations; total: 45 marks)**<br>c. a summary detailing your recommendation as to the best of the three options provided for Hannah based on her objective of maximizing her retirement funds. In addition, suggest an alternative option that Hannah hasn’t considered. You do not need to analyze this option, but should explain why you think this might be a better alternative. <br>**(15 marks)**<br>**Total: 75 marks**<br>Your report should include all supporting calculations in an appendix. Show the details of all calculations to ensure partial grades can be awarded for your work.<br>When you have completed it, upload your report (including appendix) into the box below.<br>Document Upload (Direct) |

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    ## FIN 320 Final Project Guidelines and Rubric ### Competencies In this project, you will demonstrate your mastery of the following competencies: – Analyze financial and investment decisions that add value to the organization – Analyze financing options to maximize investor value ### Overview This a…

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    ## FIN 320 Final Project Guidelines and Rubric
    ### Competencies
    In this project, you will demonstrate your mastery of the following competencies:
    – Analyze financial and investment decisions that add value to the organization
    – Analyze financing options to maximize investor value
    ### Overview
    This assignment is the last in the sequence that includes Final Project Milestones One and Two. In **Milestone One**, you introduced the business you chose. You examined its financial statements and financial health and reported its financial values. In **Milestone Two**, you made calculations based on the information found using Mergent Online about your company and compared the totals with those of one year ago. You then used those figures to decide whether short-term financing was needed to improve your company’s financial health.
    In this final stage of your **Final Project**, you will use the information you’ve accumulated thus far and make decisions on whether any or all of the following are appropriate directions for your company. Review the assumptions about this company located in the Final Project Financial Assumptions document.
    **Note**: All documents and resources that are needed to complete this assignment are linked in the What to Submit and Supporting Materials sections.
    ### Scenario
    The CFO of your company has asked for your support in preparing a report for the business’s 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
    Specifically, you must address the following rubric criteria:
    1. **Financial Analysis:**In prior assignments, you calculated some of the financial formulas using quarterly financial statements from your chosen business and the Final Project Financial Formulas worksheet. For the financial analysis, edit prior work based on feedback and include it in this final project.
    1. **Financial Calculations:**Accurately calculate financial formulas to figure out the business’s current financial health. You must calculate the following:
    01. Working capital
    02. Current ratio
    03. Debt ratio
    04. Earnings per share
    05. Price and earnings ratio
    06. Total asset turnover ratio
    07. Financial leverage
    08. Net profit margin
    09. Return on assets
    10. Return on equity
    2. **Working Capital Management:**Explain the impact of working capital management on a typical business’s operations. Provide examples to support your claims.
    1. Why is it important for a business in general to carefully manage its working capital?
    3. **Financing:** Explain the options available for a company in general to finance its operations and expansion.
    4. **Short-Term Financing:** Explain how potential short-term financing sources could help any business raise funds for improving its financial health.
    5. **Bond Investment:** Discuss the risks and benefits of any business investing in a corporate bond. Include the necessary ethical factors, appropriate calculations, and examples to support your analysis.
    6. **Capital Equipment:** Discuss the risks and benefits of any business investing in capital equipment. Include the necessary ethical factors, appropriate calculations, and examples to support your analysis.
    7. **Building:** Discuss the risks and benefits of any business investing in a building, including leasing substantive physical assets like buildings. Include the necessary ethical factors, appropriate calculations, and examples to support your analysis.
    2. **Financial Evaluation:** In this step, you will use the knowledge you’ve accumulated thus far and make decisions on whether any or all of the following are appropriate directions for **your chosen company**. Assume that the situations located in the Final Project Financial Assumptions document are true of your chosen company. For each of the options below, include the necessary ethical factors, appropriate calculations, and examples from previous milestones to support your analysis. Based on your company’s financial health, you should consider:
    1. **Bond Investment:** Determine if the bond investment is a good financing option for your chosen business’s financial health. Use your financial analysis and other financial information to support your claims.
    2. **Capital Equipment:** Determine if the capital equipment investment is a good financing option for your chosen business’s financial health. Use your financial analysis and other financial information to support your claims.
    3. **Building:** Determine if the building investment is a good financing option for your chosen business’s financial health. Use your financial analysis and other financial information to support your claims.
    3. **Future Financial Considerations:** Describe your chosen business’s likely future financial performance. Base your description on the business’s current financial well-being and risk levels. This time, **do not** consider the assumptions in the Final Project Financial Assumptions document. Use your chosen company’s most current financial information to support your claims.
    ### Milestones
    Milestone One:
    In **Module Two**, you will submit a short paper that introduces your chosen company and summarizes the results of the company’s latest balance statement, income statement, and cash flow statement. **This milestone will be graded with the Final Project Milestone One Rubric**.
    Milestone Two:
    In **Module Five**, you will submit a short paper that compares your chosen company’s latest status with the values of one year ago. You will use this information to decide whether short-term financing can help improve your company’s financial health. **This milestone will be graded with the Final Project Milestone Two Rubric**.
    Final Submission:
    In **Module Seven**, you will submit a short paper that describes whether your chosen company should make specific investments based on its financial health. It should be a complete, polished artifact containing all of the critical elements of the final product. It should reflect the incorporation of feedback gained throughout the course. This submission will be graded with the **Final Project Rubric**.
    ### What to Submit
    To complete this project, you must submit the following:
    **Financial Analysis Report**
    Submit your completed [Final Project Financial Analysis Report](https://learn.snhu.edu/content/enforced/1971072-FIN-320-13337.202556-1/Course%20Documents/FIN%20320%20Final%20Project%20Financial%20Analysis%20Report.docx?isCourseFile=true&ou=1971072).
    All sources should be cited according to APA style. This includes sources listed in your Final Project Financial Formulas workbook. Consult the Shapiro Library APA Style Guide for more information on citations.
    **Workbook:** [Final Project Financial Formulas](https://learn.snhu.edu/content/enforced/1971072-FIN-320-13337.202556-1/Course%20Documents/FIN%20320%20Final%20Project%20Financial%20Formulas.xlsx?isCourseFile=true&ou=1971072)
    Use this Microsoft Excel workbook to complete your calculations for the project. You should have already completed the Ratios worksheets for your Final Project Milestone Two assignment. Check your instructor’s feedback on Final Project Milestone Two and incorporate any necessary changes.
    ### Supporting Materials
    The following resources support your work on the project:
    **Document:** [Final Project Financial Assumptions](https://learn.snhu.edu/content/enforced/1971072-FIN-320-13337.202556-1/Course%20Documents/FIN%20320%20Final%20Project%20Financial%20Assumptions.pdf?isCourseFile=true&ou=1971072)
    This document contains descriptions of the three financial options you will evaluate.
    **Document:** [Final Project Business Options List](https://learn.snhu.edu/content/enforced/1971072-FIN-320-13337.202556-1/Course%20Documents/FIN%20320%20Final%20Project%20Business%20Options%20List.pdf?isCourseFile=true&ou=1971072)
    Use this document to select a business for this project.
    **Shapiro Library Resource:** [Mergent Market Atlas](https://libguides.snhu.edu/marketatlas)
    Use this resource to help you complete this project.
    **Video:** [Mergent Market Atlas: Public Company Financials](https://snhulib.info/MergentFinancials) (4:46)
    Watch this video from the Shapiro Library to learn more about how to access and use Mergent Market Atlas. This video shows information on the **As Reported Currency** page within the **Company Financials** tab. For the purposes of this course, however, the best way to see financial data is to click **Standardized** beneath the **Company Financials** tab. This will allow you to access the Standardized Annual Balance Sheet.
    **Shapiro Library FAQ:** [How do I cite a company profile from Mergent Market Atlas in APA Style?](https://libanswers.snhu.edu/faq/424042)
    Use this resource to help answer any questions you have about citing from Mergent Market Atlas.
    ### Final Project Rubric
    CriteriaExceeds ExpectationsMeets ExpectationsPartially Meets ExpectationsDoes Not Meet ExpectationsValue **Financial Analysis: Financial Calculations** N/ACalculates accurate financial formulas to figure out the business’s current financial health (100%)Shows progress toward meeting expectations, but with errors or omissions; areas for improvement may include accurately calculating financial formulas to figure out the business’s current financial health (55%)Does not attempt criterion (0%)6 **Financial Analysis: Working Capital Management** Exceeds expectations in an exceptionally clear, insightful, sophisticated, or creative manner (100%)Explains the impact of working capital management on a business’s operations, and provides an example to support the claims (85%)Shows progress toward meeting expectations, but with errors or omissions; areas for improvement may include explaining in more detail the impact of working capital management on a business’s operations or providing examples to support the claims (55%)Does not attempt criterion (0%)8 **Financial Analysis: Financing** Exceeds expectations in an exceptionally clear, insightful, sophisticated, or creative manner (100%)Explains how a business can finance its operations and expansion (85%)Shows progress toward meeting expectations, but with errors or omissions; areas for improvement may include explaining in more detail how a business finances its operations and expansion (55%)Does not attempt criterion (0%)8 **Financial Analysis: Short-Term Financing** Exceeds expectations in an exceptionally clear, insightful, sophisticated, or creative manner (100%)Explains how potential short-term financing sources could help a business raise funds for improving its financial health (85%)Shows progress toward meeting expectations, but with errors or omissions; areas for improvement may include explaining in more detail how potential short-term financing sources could help the business raise funds for improving its financial health, based on the business’s current financial information (55%)Does not attempt criterion (0%)8 **Financial Analysis: Bond Investment** Exceeds expectations in an exceptionally clear, insightful, sophisticated, or creative manner (100%)Discusses the risks and benefits of a business investing in a corporate bond, including the necessary ethical factors, appropriate calculations, and examples to support the analysis (85%)Shows progress toward meeting expectations, but with errors or omissions; areas for improvement may include discussing in more detail the risks and benefits of the business investing in a corporate bond, including the necessary ethical factors, appropriate calculations, and examples to support the analysis (55%)Does not attempt criterion (0%)8 **Financial Analysis: Capital Equipment** Exceeds expectations in an exceptionally clear, insightful, sophisticated, or creative manner (100%)Discusses the risks and benefits of a business investing in capital equipment, including the necessary ethical factors, appropriate calculations, and examples to support the analysis (85%)Shows progress toward meeting expectations, but with errors or omissions; areas for improvement may include discussing in more detail the risks and benefits of a business investing in capital equipment, including the necessary ethical factors, appropriate calculations, and examples to support the analysis (55%)Does not attempt criterion (0%)8 **Financial Analysis: Building** Exceeds expectations in an exceptionally clear, insightful, sophisticated, or creative manner (100%)Discusses the risks and benefits of a business investing in a building, including the necessary ethical factors, appropriate calculations, and examples to support the analysis (85%)Shows progress toward meeting expectations, but with errors or omissions; areas for improvement may include discussing in more detail the risks and benefits of a business investing in a building, including the necessary ethical considerations, appropriate calculations, and examples to support the analysis (55%)Does not attempt criterion (0%)8 **Financial Evaluation: Bond Investment** Exceeds expectations in an exceptionally clear, insightful, sophisticated, or creative manner (100%)Discusses the risks and benefits of a business investing in a corporate bond, including the necessary ethical factors, appropriate calculations, and examples to support the analysis (85%)Shows progress toward meeting expectations, but with errors or omissions; areas for improvement may include determining if the bond investment is a good financing option for the business’s financial health, or using financial analysis and other financial information to support the claims (55%)Does not attempt criterion (0%)9 **Financial Evaluation: Capital Equipment** Exceeds expectations in an exceptionally clear, insightful, sophisticated, or creative manner (100%)Discusses the risks and benefits of a business investing in capital equipment, including the necessary ethical factors, appropriate calculations, and examples to support the analysis (85%)Shows progress toward meeting expectations, but with errors or omissions; areas for improvement may include discussing in more detail the risks and benefits of a business investing in capital equipment, including the necessary ethical factors, appropriate calculations, and examples to support the analysis (55%)Does not attempt criterion (0%)9 **Financial Evaluation: Building** Exceeds expectations in an exceptionally clear, insightful, sophisticated, or creative manner (100%)Determines if the building investment is a good financing option for the chosen business’s financial health, using financial analysis and other financial information to support claims (85%)Shows progress toward meeting expectations, but with errors or omissions; areas for improvement may include determining if the building investment is a good financing option for the chosen business’s financial health, or using financial analysis and other financial information to support claims (55%)Does not attempt criterion (0%)9 **Future Financial Considerations** Exceeds expectations in an exceptionally clear, insightful, sophisticated, or creative manner (100%)Describes the chosen business’s likely future financial performance based on its current financial well-being and risk levels, using financial information to support claims (85%)Shows progress toward meeting expectations, but with errors or omissions; areas for improvement may include describing in more detail the chosen business’s likely future financial performance based on its current financial well-being and risk levels, or using financial information to support claims (55%)Does not attempt criterion (0%)6 **Clear Communication** Exceeds expectations with an intentional use of language that promotes a thorough understanding (100%)Consistently and effectively communicates in an organized way to a specific audience (85%)Shows progress toward meeting expectations, but communication is inconsistent or ineffective in a way that negatively impacts understanding (55%)Shows no evidence of consistent, effective, or organized communication (0%)8 **Citations and Attributions** Uses citations for ideas requiring attribution, with few or no minor errors (100%)Uses citations for ideas requiring attribution, with consistent minor errors (85%)Uses citations for ideas requiring attribution, with major errors (55%)Does not use citations for ideas requiring attribution (0%)5 **Total:** 100%
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    FIN320FinalProjectFinancialAnalysisReport.docx](https://www.sweetstudy.com/files/fin320finalprojectfinancialanalysisreport-docx "FIN320FinalProjectFinancialAnalysisReport.docx")
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    FIN320FinalProjectFinancialFormulas.xlsx](https://www.sweetstudy.com/files/fin320finalprojectfinancialformulas-xlsx "FIN320FinalProjectFinancialFormulas.xlsx")
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    FIN320FinalProjectFinancialAssumptions.pdf](https://www.sweetstudy.com/files/fin320finalprojectfinancialassumptions-pdf "FIN320FinalProjectFinancialAssumptions.pdf")