Finance

write an introduction including the following Sky is a market leader in both entertainment and provision of direct consumer products in Europe. In 1989, the company first launched its free to air channel. In 2019, it had an annual turnover of 17.7 billion and was subject to a takeover from American based Comcast (Sky 2019). Sky employs over 29,000 employees in the U.K. where it has over 12.5 million subscribers and the budgeting problem ( the bonus budget is set at the start of the financial year by the finance team and given to the incentive team to manage. The budget for the sales department is 24% of the full-time employee’s salary. This is reviewed every quarter due to any overspend or underspend depending on sales. The issue that if there is any overspend the next quarter the agents are then impacted by the incentive scheme been reviewed and lowered. I also need you to look at weeks 11 and 12 and incorporate 1 or 2 concepts in the introduction. I would class the budgeting problem as ever-changing market conditions in the budgeting cycle and the impact it has on us as employees and a team. The introduction should include the element that is listed within file2 and also in file 2 in the comments from my tutor to improve my mark.

You are a CFO of an international company; it has 4 offices (around the world) and a headquarters- War broke out in the area of the office farthest from headquarters. What would be the activities or actions you would take and what taskings would you give the COO and CFO? (Minimum of 250 words, APA format, 3 academic references)

 What are some major opportunities for data-driven Fintech companies that focus on providing trading/investing related data services for retail traders or institutions in China? Your report will need to answer this question: Are stock trading signals/stock buy-sell recommendations research in large demand for normal people/retail traders, or trading firms in China? Please also research and find similar and successful start-ups (not companies that big like Bloomberg) data-driven Fintech companies serving traders/hedge funds/investment firms, etc. companies in the world. In the meantime, please list their products, how they price their products, as well as the most important factors to be a leader in this industry. The report will need solid numbers/evidence to back up the conclusions. It’s not necessarily very detailed oriented but at least need to provide general directions of opportunities for such Fintech companies

Land value Capture   1. What is Land value capture? (1/2-1 page) ·  It is not a new concept o   Canadian Pacific Railway was partly financed through giving rights for a 48-mile wide corridor along the route to the promoters of the highway (metrolinx) 2. Using Land Value Capture to Fund Transportation investments ·  when people perceive value, they are willing to pay for it ·  part of the problem is that the current system is unable to easily release and subsequently capture this added value   https://www2.deloitte.com/content/dam/Deloitte/global/Documents/Public-Sector/smart-cities-virtues-of-value-capture-19nov.pdf   Emerging Tools – Strategies – Explain what they are and how they can be used to fund transportation projects (2-3 pages)  https://www.lincolninst.edu/sites/default/files/pubfiles/land-value-capture-policy-brief.pdf https://www.lincolninst.edu/sites/default/files/pubfiles/1279_Smolka%20Final.pdf -Taxes -Fees -Land Value enhancement -Profit sharing linked with the project -Regulatory Instruments   – Special Assessment Districts – Section 37 (Ontario Planning Act) https://www.toronto.ca/city-government/planning-development/official-plan-guidelines/section-37-benefits/   Case Study  – How were the above strategies used in these 2 projects (3-4 pages)   1) Metro Vancouver https://www.translink.ca/-/media/Documents/plans_and_projects/regional_transportation_strategy/Research/Land-Value-Capture-for-Funding-Regional-Transportation-Summary-Report.pdf 2) Metrolinx – Toronto http://hlrn.org/img/documents/Land_Value_Capture_Discussion_Paper_EN.pdf

MM255-5: Recommend business actions using cost analysis. Minimum Submission Requirements: All questions must be answered and the submission must be successfully uploaded to the Dropbox. If work submitted for this competency assessment does not meet the minimum submission requirements, it will be returned without being scored. Making Financial Business Decisions This module focuses on using financial methods and statistical data to inform alternative selection within business decisions. You learned about mortgages and taxes and how to use that information to make sound financial decisions. In this Assessment, you will use that knowledge to make decisions about starting your own business. For this Assignment you will create a PowerPoint® presentation based on your “purchase” of a restaurant. The following information is to be used to create this presentation. Your presentation is required to have at least one reference from a reliable source. This means that you cannot use sites like Wikipedia, Ask.com®, and Yahoo® answers and that only references from reliable sources will earn points. All resources should be cited both as an in-text citation as well as being listed on a reference slide in APA format. This Assignment must be submitted as a Microsoft PowerPoint® document. PowerPoint Assignment You have always wanted to own a restaurant and have now decided to go into business, purchase a building, and open an Italian Bistro. The items listed below provide information regarding the purchases you will need to make to start your business. The building and the land it sits on will cost $250,000 and you have 20% to put down on the property. Annual taxes are $6,000 and fire and liability insurance is $3,600. You have $150,000 of additional funds to allocate for refurbishing the grounds, building structure, interior design, and kitchen. 10% of the savings will be allocated to the grounds, 20% to the building’s structure, 20% to update the interior design, and 50% for kitchen installation and fire suppression systems. Tables are $200 each for 2 tops, $300 each for 4 tops, and $500 each for 6 tops. You plan to purchase eight (8) 2-top tables, six (6) 4-top tables, and ten (10) 6-top tables. Chairs cost $50 each. You are planning on being able to seat 100 people in the restaurant at a time and need 10 extra chairs. Silverware, tablecloths and napkins cost a total of $6,000, serving utensils cost a total of $3,000, and glassware cost a total of $5,000. Place/plate settings cost $35 each. You need to purchase three times the number of planned seats for turn-around and breakage. (Remember you are planning for 100 people in your restaurant.) Servicing carts, cooking equipment, prep tables, storage containers, and other supplies will cost a total of $16,000. Research suggests that the average receipt total per person is $12.80 and the average cost per meal is $6.86 for the Italian restaurants in your area. The research also suggests that tables are turned over for new customers between 13 and 21 times a day in your area, and that restaurants have between 40% and 60% occupancy fill rate each day. Your mission is to create a financial business plan explaining the initial outlay of funds this business venture will cost.  Create a PowerPoint Presentation for this business venture. The following is an outline of how your slides should be presented. Slide 1: This is your title page. Include your name, project title, the course and section number and the assignment due date. Slide 2: This slide is your introduction slide. This slide should summarize your new business venture, describe your restaurant concept (i.e. casual dining, bight atmosphere, etc.) and provide other helpful information. For example, restaurant name, what types of appetizers, salads, soups, entrees, beer and wine availability, and desserts you might serve, and hours of operation. Highlight what makes you restaurant special. Slide 3: This is your building and real estate summary slide. This slide should include a small picture or building plan drawing of the building, and summarize the purchase price, down payment, and amount financed. The picture of the building can be obtained from a real estate website, or from a building plan drawing available on the Internet (be sure to cite this). This slide should also list the annual tax and insurance amounts. It should also include the monthly mortgage payment including principal, interest, taxes and insurance (PITI). The slide notes (section below the slide in PowerPoint) should contain the steps you took to calculate the monthly mortgage payment. Conduct an online search for the going rate and length for a commercial loan in your area or at the lending institution you use. You will use the interest rate and choose the number of years that will be used for the mortgage of the business loan for your bistro. Slide 4 to 6: These slides should include your startup expenses. On these slides you would list the cost of purchasing all of the items listed in items 3, 4, 5 above (tables, place setting, kitchen equipment, etc.). Here you can have fun and include pictures of items, or include graphs of the cost. Be sure to list the total start up expense required to open the restaurant somewhere. Slide 7: This is your revenue slide. Create revenues and food costs from your first 6 days of serving food. Present the average receipt total per person, the average cost per meal, number of times a table is sat or turned over, and fill rate or occupancy rate to estimate your restaurants revenues. This is another place where a graph could help illustrate your revenue potential. Slide 8: Conclude your presentation with the “wrap up” of the concept and any final thoughts you might want to include. Slide 9: List any resources you have used for this project. Be sure to include at least one reference from a reliable source. Because many of the concepts here involve reading from the textbook, remember to include a reference for your textbook, as well. Make sure your citations are presented in APA format.

In a short essay write down how much money you would like to save up for retirement (or your desired monthly income in retirement), how much you think you can save (each month) while you work, and at what age will you start saving for retirement. Then discuss what in life could make this plan harder to achieve (obstacles that hinder your plans). Notes for the Perspective: Your essay should not be longer than half a page. Write up your answer in a Microsoft Word document and upload it here. You are encouraged to use the terms introduced in this and other chapters. Turnitin plagiarism detection will be used.

1. Using Altman’s Z, estimate the bankruptcy potential for the selected company. Use the instructor’s Excel model or develop you own Excel model for this analysis. /content/enforced/240316-M_001119-01-2175/1 Altman’s Z Score 0116.docx /content/enforced/240316-M_001119-01-2175/Altman’s Z Insolvent 030117.xlsx /content/enforced/240316-M_001119-01-2175/Altman’s Z MKC 030117.xlsx1 2. What are the most important things that you learned from the study of this week’s readings and assignments? Remember to always include appropriate references.

full question here, choose scholarly sources please. When studying capital structure and dividend decisions, multiple theories were presented that influence capital structure decisions or dividend policy decisions affecting the price of a stock. Choose one of these theories and explain its strengths and weaknesses.

The Marconi family—comprising Mrs. Marconi, aged 40, Mr. Marconi, aged 38, and their three young children— relocated to Barcelona in January 2020 when Mrs. Marconi received a job offer from a leading investment banking giant. They rented a three- bedroom condominium in Barcelona for 2.000€ per month, which included parking and condominium fees. While renting made life easy, the Marconi family began weighing the pros and cons of purchasing a flat, in the same building, that became available in June 2020. In the past three years, the real estate market had softened somewhat, and the cost of the flats were stable. The idea of home ownership as a form of pension investment appealed to the couple. The monthly rents could be used for mortgage payments instead. While searching for the right property they found a nice apartment with 200 square meters, very close to Diagonal-Numancia, one of the best locations of the city. The apartment was owned and had been promoted by a state-owned construction company and was offering two alternatives: Option A: renting the apartment with a perpetual contract, meaning for ever. The Marconi family thought that could be a good solution for them. The family was very happy living in that area, and they had the chance to live there forever at an offered price of 1.600€ the first month, and the rent price will be growing by a 0.1% monthly. At the same time, they were not forced to ask for a loan, which represented a heavy burden off the Marconi’s. Option B: consisted in acquiring the property with a mortgage scheme for 40 years. The total price of the apartment is 800.000€. The family can pay an initial down payment of 200.000€ and the rest (600k€) to be paid in constant monthly payments with an annual interest rate of a 2.4% compounded monthly. Mrs. Marconi establishes the maximum amount they can pay monthly as 2.000€. 1) In case of taking option A, what is the amount of the monthly payment the Marconi family should pay during 40 years? (only the amount to be paid that month) Show the calculations and explain why. (10 points) 2) In case of taking option A, how much money will have the Marconi family paid in total after 40 years? (10 points) 3) If the Marconi family decides to leave Barcelona in 10 years, back to Italy, what is the present value of the rental contract offered by the owner as option A? (10 points) 4) If Mrs. Marconi decides to buy the apartment, and accepts Option B, what will be the amount of each monthly payment to be done during the next 40 years? (10 points) 5) Mrs. Marconi believes that, if she takes option B and acquires the ownership of the flat, she might be interested in selling the apartment in 40 years’ time, that is to say, when she has already paid it all. If she wants to recover absolutely all the money invested (initial payments plus all monthly payments done), what will be the price she will ask for that apartment at that moment? (10 points) 6) Mrs. Marconi is very happy for knowing how to calculate future values and present values, because this helps her in taking this type of decisions. Having said that, she wonders what the future value of the flat will be in 40 years, if the interest rate for this type of operations is an annual 1.5% (comp. monthly). Can you help her? Explain your answer and show your calculations. (10 points) 7) The family is still thinking that the monthly payments they’ll have to afford during the next forty years are too much, and they believe they could convince the seller of making payments only once a year, at the end of each year. The interest rate would still be the same 2.4%. How much money will they save with this action? What is the amount of the yearly payment to be done? (10 points) b) What is the total amount they’ll have paid in total after 40 years? (10 points) c) How much has the family saved (if any) by paying it yearly instead of monthly? (10 points) 8) In case that the Marconi family pays the pending amount in yearly payments, the owner can only grant them a 2.4% during the first 10 years. There is the possibility that, after the first 10 years the interest rate increases to a 3.0% for the remaining 30 years. How much should the Marconi family pay per year from year 11 onwards if this occurs? (10 points)f

There should be 5 blog posts each made up of 400-500 word on the topic of information systems with regards to banking and financial services. Each post should include 2-3 references from academic journals to critically analyze and support arguments. 1 post to address ethics,privacy, regulations related 1 post to address digital transformation related 1 post to address opportunities and challenges 1 post to address big data and analytics 1 post to address mobile banking and banking platforms An example can be found here: https://blog.dealagric.com/2020/07/21/solving-agricultural-problems-with-information-systems/ https://digitalsideoflife.wordpress.com/2020/07/21/an-overview-of-human-resource-information-systems-hris/ https://christianwickholm.wordpress.com/2020/07/20/the-opportunities-and-challenges-in-the-industrial-sector-provided-by-information-systems/ https://abiodunblogcom.wordpress.com/2020/07/19/general-system-concepts/