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Significant new investments should be made only if the return based on replacement cost is greater than the firm’s cost of capital. So, what cash flow, when divided $100,000, gives 6%. A. $4,800 B. $6,000 C. $6,600 D. $8,000 6. Beverly Enterprises owns a nursing home that is currently earning $2.0 million in cash flow on an annual basis, but this amount is expected to drop in the future. The nursing home has a book value of $20 million, a replacement cost of $40 million, and a current…

Introduction “We started with a simple idea… That everyone should be able to accept credit cards—and we‘ve been rethinking buying and selling ever since” ("About Square."). This is the mission statement found on Square’s website. Back in 2009 Jack Dorsey, CEO and co-founder of Square, came up with an idea to make payments simpler; thus, Square was created and launched in May 2010. Square has opened a new way of paying for small businesses with three choices to choose from: Magstripe Reader, the…

stores have assessed the hacker breach and have provided a new, more secure form of payment, which provides enhanced encryption of payment data. With this new security system in motion, customer’s card data is fully protected and less vulnerable to hackers. This system jumbles up and locks all the card information making it impossible to read and copy, therefore being useless to the hackers. The breach at Home Depot was first reported on September 2, 2014 by Bran Krebs (D’Innocenzio). It is…

In the lecture on minimum age, Mark Price raises quite a few interesting ideas, and makes quite a few good arguments. He argues for the federal raising of minimum wage, arguing that it will help, close the gap between the rich and the poor, He gives us proof of why his account is correct, and provides proof why the other sides arguments are invalid. Price opened the lecture discussing how the exact prices of minimum wage and gave us some facts to hold onto throughout the lecture, to help us…

this article to make up your plan. Have Numerous Money Backup Plans Online banking means you can move money around very easily. It means you can put a bit of money on your credit card and take it, put money on your debit card, put money on another bank’s debit card, and move your money to online accounts. If one card is frozen or lost, get online and transfer your money to…

Have you ever wondered how a credit card transaction works? What is the process flow after swiping the small credit card through that little black box? These questions bothered me for some time and finding the answers lead to a diligent job search. Consequently, the search ended when I found employment at Vantiv, a Merchant Credit Card processing company in Houston, Texas. The year was 1998; the company offered me a customer service position in their call center. Eagerly I accepted the job;…

how they can maximize their total earnings, and credit card companies are no different. While students may be one of the better targets for this because the majority don’t have credit cards and are low on funds; they also are some of the ones in most danger of overspending with not being knowledgeable. Even though this is the case, I think if the credit card companies are doing this in a more transparent and informative way than normal credit card signups, it is not a wrong thing to do,…

One of the most convenient ways to plan your savings is by using your smart phone. There is an app called Qapital that allows you to link your debit card and bank account to essentially keep a portion of what you spend. Instead of only keeping the leftover change the app allows you to set up what amount you would like to save and you can even split the portions into different savings funds whether it…

As a person who is looking to take advantage of the rent-to-own program, I believe it is a great way to help people who otherwise would not be able to make such a purchase. I went to a bank, which I will leave un-named, to find out what I would need to do with them in order to get a home loan. It was at that time that I found out that, I do not have a credit score at all. The loan lady told me that I was a first for her, that she had never seen a credit score come back with no number on it. I…

which is better known as a federated identity. This paper will discuss some problems that can arise when not having SSO in place, some advantages and disadvantages when using SSO for AD and LADP access and a comparison between Kerberos-based and smart card based SSO. Problems in organizations without SSO implemented When organizations do not have SSO implemented, it can cause some issue for system users. Reports have shown that an…