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Understanding Your Insurance Deductible Understanding the role deductibles play when insuring a car or a home is an important part of getting the most out of your insurance policy. A deductible is basically the amount “deducted” from an insured loss. Deductibles have been an essential part of the insurance contract for many years and represent a sharing of the risk between the insurance company and the policyholder. When repairing your home or replacing personal possessions, the amount of the…

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…

Act-based liability. According to this rule criminal is responsible for the expected harm regardless it actually occurs or not. Thus, if a party commits an act that will cause harm of $1,000 with probability 10 percent, he will be liable for $100 for having committed the act. 18 Discussed liability rules suggest that it is important to know the amount of harm that is imposed by wrongful act and sanctions need sometimes to be made severe or sometimes less severe in order to reach the situation…

I found the Grant Application to be very misleading, which could cause serious potential problems for Eden Valley Growers (EGV). I must take exception to the statement that EGV “was founded as a cooperative in 1957.” It is my understanding that after meeting with Frank Bradley, CPA, a national expert and author on cooperatives, the founders decide not to be a cooperative. Accordingly, they incorporated as a domestic business corporation; the bylaws do not contain the language required by the IRS…

In the course of recent years, numerous little organizations have started to guarantee their own dangers through an item called "Hostage Insurance." Small prisoners (otherwise called single-guardian prisoners) are insurance agencies built up by the proprietors of firmly held organizations hoping to safeguard chances that are either too immoderate or excessively troublesome, making it impossible to protect through the conventional protection commercial center. Brad Barros, a specialist in the…

On August 4, 2009, the Securities and Exchange Commission (SEC) fined General Electric Company (GE), $50M for reporting false and misleading financial statements. The transactions occur were not in compliance with Generally Accepted Accounting Principles (GAAP). Furthermore, the four accounting violations occur in 2002 and continued through 2003. The SEC identified risks that uncovered four separate accounting violations, and GE corrected the last of the violations in 2008. The violations are as…

Netflix is a worldwide provider of streaming movies and TV. Most people do not know Netflix has been around since 1998, but the company only sent DVD’s by mail during that period. Netflix did not begin its streaming services until 2007. Short afterwards Netflix expanded its services to Canada, and then expanded to 190 countries (Minaya, Ezequiel). As cable companies become more and more expansive, people start to switch to streaming their shows and movies instead of having a cable subscription.…

If the National Park Service were to raise the entry fee for the Yellowstone Park, various implications would be felt by different groups of society. To begin, citizens and tourists would both benefit and suffer from this increased membership fee. The heightened exclusivity can enhance the overall experience of visiting the park due to the minimized human congestion and lowered overexploitation of this common property resource, whilst also discouraging regular visitors who’ve grown accustomed to…

created financial regulatory processes to limit risk by enforcing transparency and accountability. President Barack Obama signed the act in 2010 to further enhance the transparency of executive compensation practices. Companies are required to trade stock on public exchanges to comply with four major provisions. • Provision One: Say on Pay, which allows companies’ shareholders the right to vote yay or nay on executive compensation proposals that are contained in proxy statements. • Provision…

restated the finances for 2010 and 2011 fiscal years” (Wall Street Journal, 2014). “The company’s share once reached $90 a share dropped to $17” (SEC, 2014). The deal fell through with Procter & Gamble because Diamond could not maintain a healthy stock price. It was hard to prove whether the payments were intentionally recorded in the wrong year because the walnut growers deliver at the end of the year but payments are made throughout the year. The company had also started using contracts with…