Corporate finance

When the borrower gets his mortgage from a bank or other lending institution in order to finance his or her house purchase, this transaction is considered to belong to the Primary Market. At this point, the lender has a choice of either servicing the loan for the time equivalent to that loan duration (5, 10, 15, 20, 30 years or any other such term) or sell it to someone else. Some lenders decide that they want a steady and secured income coming from systematic, monthly payments from the…

The first line simply describes the physical appearance of Europium; metallic and silver (although it’s not actually silver, just a similar color!) “Displaying” refers to how Europium was used in old TVs as a red color, and with the colors blue and green, they would be able to display TV shows and commercials. “Fluorescing” ties into the fact that Europium glows, or fluoresces, red under a blacklight. And “oxidizing” finishes that line of the poem since Europium is known to react very quickly in…

In reviewing both Nike and Under Armor recent financial statements for profitability, solvency and liquidity there is no clear front-runner. The ratio analysis shows advantages to both companies. When deciding to invest in Nike one must analysis the earnings per share, return on equity, and price earnings ratio. First, comparison of profitability ratio findings show mixed benefits to both Nike (NKE) and Under Armor (UA). With interest in net profit margin, return on equity and earnings per…

What Is The Value of a 401(k) Plan Review? As professionals, we all desire to be in a position where we are making informed decisions. A 401(k) Benchmarking and Fiduciary Review allows you to do just that by comparing your current plan to alternatives in the marketplace. A plan review can help you do the following: 1. Uncover hidden costs or unnecessary fees, which can reduce your plan costs and increase your plan returns substantially 2. Put you on the path to meeting your fiduciary…

My desired career path is to start as an associate within the health-care industry group at an investment bank, such as Piper Jaffray & Co. or Morgan Stanley. Then, I intend to transition to an investment fund that invests in growing innovative health-care technology companies. From working at Alvarez and Marsal on the financial analyses of proposed health-care technology investments, I have learned about the challenges in the health-care sector: improper patient care, inefficient…

second year (2B) student of the University of Waterloo’s Accounting and Financial Management program. Deeply fascinated by the incongruity of financial markets, I am keen to work for Wealthsimple, because I see an opportunity to advance my skills in finance and contribute towards furthering the company’s vision. Today, as I apply for the position of ‘Wealth Concierge’, I understand what the role demands, and I would like to show you why I should be considered a strong candidate for the position.…

At its core, a discount rate is the interest rate charged to commercial banks on loans they receive from the Federal Reserve Bank's lending facility, also known as, the discount window. To a run of the mill John or Jane Doe, this seems like a foreign language altogether. Throughout this essay, the structure, function, and operation of the Federal Reserve’s discount rate will be investigated. First, the Federal Reserve institutions offer three discount window programs to banks: primary credit,…

In your email dated 10/23/2017, you mentioned that TAPE worked well on Longitudinal Lines. Uneasy is not an engineering term. It needs to be supported by facts. You have used TAPE in D7 and no failure on Longitudinal Stripes. You have used it on Transverse Stripes and you are not supposed to and it failed. Please reference #4 for more details. We have four Tape supplier in California and the TAPE Dispenser is never an issue. The Dispenser is provided by the manufactures. Doubling the…

With just a few changes in how you handle credit you can improve your credit score rating. How do you pay your bills, how much credit you have and how much credit you use all play important roles in determining your creditworthiness. By changing any of these factors you can improve your credit rating. For example: Stop making late payments. Sign up for automatic payment from your checking account to your credit card payment is always made on time. Showing a record of on-time payments can have a…

Bankruptcy “America has the only legal system that in a sense actually encourages a company to seek bankruptcy protection long before a full blown financial collapse is near, allowing a business to file Chapter 11 petition even though it is not insolvent” (Labaton, 1990) If the firm defaults, it can either reorganize through a private workout a formal bankruptcy filing, or it can liquidate its assets. The equity holders in control of the firm make this decision based on equity value in three…