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Principal, Santander InnoVentures
Head of Innovation, Oliver Wyman
1. Fintech 2.0
2. Applications for the Internet of Things
2.1. Cutting costs in trade finance
2.2. Improving valuation accuracy of real assets
in leasing and asset financing 10
3. Being smarter with smart data 12
4. Embedding distributed ledger technology 14
5. Creating frictionless processes and products 16
5.1. Opportunities to reduce friction in the mortgage process 16
5.2. Frictionless saving and investment 18
6. Conclusion: achieving Fintech 2.0 together 19
Over the last decade, however, a new source of innovation in financial
services has emerged from
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A review of “Indigenous remain ‘asset rich, dirt poor’ 25 years after Mabo”.
In the article “Indigenous remain ‘asset rich, dirt poor’ 25 years after Mabo”, Indigenous affairs editor, Fitzpatrick (2017) presents the socioeconomic situation of the Aboriginal people, using the views of the former prime minister’s advisor, Josephine Cashman. Miss Cashman pointed out that the promises made to the indigenous people, presented in the Mabo case, had not been fulfilled accordingly after the year 1992. Many indigenous people still have inadequate housing, poor health, restricted education and lower average incomes. About 25 years from the Wik decision, many Aboriginals were classified under the
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Asset Pricing: Home Assignment 1
Submitted by: Marc Ercolao, Lennart Janssen, Florian Preis,
Dominik Rappe, and Ludwig Skogman
In this section, we regress the excess returns of the S&P 500 on the market risk premium of
the S&P 500 between January 1964 and January 1993. The mean returns of the 25 FF
portfolios, as well as their betas and alphas, are presented in Tables 1 to 3. All the variables in
the following regressions are retrieved from Kenneth R. French’s database using value
weighted monthly average returns. The regressions are executed in STATA.
Table 1. Mean Excess Returns
Low 2 3 4 High
Small 0.29% 0.74% 0.76% 0.96% 1.09%
2 0.40% 0.67% 0.90% 0.96% 1.07%
3 0.44% 0.74
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The UN; Canada's Greatest Asset towards its Foreign Policies and RelationsFrom its founding in 1945 up till now, Canada has been a major contributor to the UN's international interests and objectives. Canada has benefitted from its role in the UN by using the UN as a forum to promote foreign policy and relations. As a nation, it has strived to achieve world peace through various peacekeeping missions internationally and the UN has allowed Canada to pursue its global security objectives to evidently make the world a better place. Canada has been able to establish a clear and independent identity as a strong and influential nation in world affairs because of the UN due to which Canada has
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used.DepreciationConceptDepreciation is the accounting policy which applied to property plant and equipment. It is a significant item of expenditure and only represents the expired portion of cost. Depreciation is the mechanism by which the original cost of the asset is allocated over the estimated number of accounting periods that match the useful economic life of the non-current asset. In doing this, the allocations are based on the assumptions that:The useful life of the asset can be measured in that the firm will use the asset for the forecast period. There should be a continuing demand for using of equipment and its products. In the case of Hallenstein's annual report 2003, under accounting policy of
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Type of non-current Asset
How they are required to be measured once recognised by an entity under IAS
Plant, Property and Equipment
· Under IAS 16 PPE is measured under its present value purchase price, including import duties and non-refundable purchase taxes, after deducting trade discounts and rebates.[footnoteRef:1] [1: International Accounting Standards Board (2015) IFRS Part A, IAS 16 (Plant, Property and Equipment) pages A628 – A633]
· Also included under IAS 16 any cost directly attributable to bringing the asset to the location and condition necessary for it to be capable of operating in the manner indented by management (eg. Cost of
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to recover its initial investment.
A) net present value B) payback period
C) average rate of return D) internal rate of return
11) A firm is evaluating three capital projects. The net present values for the projects are as follows:
A) accept Project 1 and reject Projects 2 and 3. B) reject all projects.
C) accept Projects 1 and 3 and reject Project 2. D) accept Projects 1 and 2 and reject Project 3.
12) If a person's required return does not change when risk increases, that person is said to be
A) risk-neutral. B) risk-aware. C) risk-averse. D) risk-seeking.
13) The ________ of an asset is the change in value plus any cash distributions expressed as a
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In 2016, net revenue grew by 6.14% ($1.33B approx) while net income grew by 11.3%, $783M
In 2015, net revenue grew by 8% ($1.6B) roughly while net income grew by 34.5% ($1.8B)
(10) What are total assets as of Dec. 31, 2016 & Dec. 31, 2015?
2016: $29,875 2015: $28,083
(11) How did total assets change from Dec. 31, 2015 to Dec. 31, 2016?
Total assets increased by $1,792 or 6.4%
(12) What is the largest, second largest, and third largest asset on Amgen’s balance sheet as of Dec. 31, 2016? How much is each of these assets? Describe the nature of each of these assets.
Largest asset: Marketable securities: $34,844 (Marketable securities are securities or debts that are to be sold or
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The gross margin percentage, expense to sales ratio, net profit margin, inventory turnover, and asset turnover differ from Radio Shack to Best Buy for numerous reasons. The operations of the two companies are different in regards to the services that are offered to customers. Best Buy offers its customers services like computer setup and repair, software installation, mobile electronics installations, the delivery and installation of appliances and home theatre systems. The target customer also plays a role in affecting these different aspects of the financial statements. While Radio Shack is set up as a specialty store that offers a narrow array of products, Best Buy offers its customers
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restrictions, all of them are company can’t not control part and it is easily to make company have big lost. The internal factors may the deficiencies in appraisal of borrowers’ financial position (Spuchľáková, E., Valašková, K. and Adamko, P. 2018)…That why the credit risk also be existed.
To mitigate the losses from exchange rate fluctuations, the company would adopt either a cash flow hedge or a fair value hedge strategy based on the type of commodity being paid for. In addition, take option and forward contracts also are the good selection.
Firstly, a cash flow hedge or a fair value hedge strategy, where the company owes payables from asset purchases and the payments are one-off, the fair value
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Advance Funds Management (M)
Semester 2, 2018
Your 3-member Mutual Funds Analysis team has recently been hired to (i) Create an Australian Equity
Active fund, (ii) Analyse a US bond fund, (iii) Create an Australian/US multi-asset (Equities and Bonds
1. Create and Active Australian Equity fund
Each team will create an active Australian equity fund. This portfolio will have a tracking error around
15% per annum and sector allocation against the ASX 200 benchmark will be +/- 10%. Active returns
will be generated through (i) 20 mispriced securities (using the equities analysed in EVA(M)) as well as (ii)
sector rotation using sector
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income, gains and losses, revenues
g) comprehensive income
k) distribution to owners
l) comprehensive income
a) expense recognition principle
b) Measurement principle (historical cost)
c) Full disclosure principle
d) Going concern assumption
e) Economic entity assumption
f) Periodicity assumption
g) Monetary unit assumption
a) If a company only reports net income, then that would not be following along with the concept of the Full disclosure principle. They need to disclose other information that may be a predictive factor for their investors. Anything that is on the balance sheet, statement of cash flows or the income statement must be
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of millennials to public service public human resource management should follow several ways. First, they should publish more data and information on the importance retention, recruitment and employee development in their websites. Second, having human capital primary strategies and employment strategies to attract millennials. Finally, advantages program should provide to millennials employee (Viechnicki, P. (2015).
Q2/Put yourself in the place of public employee, either hypothetical or real. As a public employee or a future public employee, how do you wish to be categorized as an “asset,” or a “cost”? Are you a valued and appreciated member of the organization or are you a liability to be
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using confusion, most notably in the form of oxymorons and puns.Confusion is Shakespeare's primary asset when creating the irony within his story. He accomplishes this primarily by utilizing oxymorons and puns. This asset is first shown in an argument between servants of the houses of Montague and Capulet. Tybalt accuses Benvolio of hypocrisy because of the fact that Benvolio, the Montague draws his sword and talks of peace. The line "drawn and talk of peace" causes much confusion and also describes the conflict between the two rival houses, who pretend to be at peace while knowing they are at war.One of the forms in which confusion is presented is in the form of oxymorons. These oxymorons
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drop in asset prices. This swift decline in asset price force more
Ponzi borrowers to withdraw their investments, generating a financial system lacking liquidity.
Thus, it can be stated that these explanations for economic downturn are not entirely competing,
but rather complementary. Both Hayek and Minsky proposed that the failure of firms and other
price setters to coordinate was one of the primary reasons for business cycle crises. There is a
mismatch between those investors that plan to sell future output for enough revenue to repay the
debts incurred during financial projects and consumers that plan to buy future output at such
prices. Both also suggest that the commercial/private banking
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Period # 5
There aren’t many landmasses as spectacular in America as the Florida Everglades. An impressive aquatic ecosystem covering more than 18,000 square miles, the ‘glades is an aesthetic novelty for sure, but it’s also home to an unbelievable number of plants and animals - some threatened or endangered. Aside from its natural beauty, the ecosystem provides millions of South Floridians with drinking water, and is a tremendous asset to the sunshine state. So why is the Everglades in need of protection and what is being done to improve one of America’s most exciting natural resources?
The health of the Everglades is a major concern, and efforts to protect and conserve
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overall assets and revenue, yet there has been a distinct decrease in the return on assets and the return on equity. The exhibits and computations included with proper analysis will explain some of the factors behind why despite more cash at their disposal the company has been unable to sufficiently increase their net profit margin and return on assets and equity.
From 2002 to 2003 there have been 2 major changes for the financial side of the Coca-Cola company. The first has been the decrease in the return on equity by 3 percentage points while asset turnover at the same time has gone down as shown in Exhibit 1. Profit margins have increased only slightly year over year which is
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-term investment and an asset that we can also claim depreciation on and thus get tax breaks from it. The Consultant says that leasing is the way to go because it will not show on the balance sheet. She also mentions that as a non-profit company, they are not subject to the taxes that the COO was talking about being sheltered from. The data indicates that the 18 month lease with no down payment would be the best to take because it has the lowest present value of outflows.2) The scenario is that Bonnesanté must acquire an advanced digital spectrometer for R & D. It is priced at $2,000,000. Options exist for an operating lease, a capital lease, and to buy the equipment. To make a
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http://www.casetutors.com/8610/RJR-Nabisco.htmlRJR NabiscoCase ID - 289056 Solution ID - 8610 1407 WordsAbstractRJR Nabisco a company operating in food and tobacco businesses is considering proposals of purchase. The best bid has to be identified for which the company has to be valued in three different operating plans; the current operating plan and two proposed plans by bidding groups; the Management Group and KKR. The Discounted Cash Flow (DCF) method has been employed with Weighted Average Cost of Capital (WACC) used as a discount rate to value the company under each plan. The Capital Asset Pricing model (CAPM) has been used to calculate the cost of equity. It has been concluded based
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with MS Access is the size limitations that can become problematic over time. Larger, more complex applications, such as our analytical chromatography system or our Enterprise Resource Planning system utilize Oracle or SQL as their database engine.An example of an MS Access application in use at our facility is our asset performance management software, Datastream7i. Datastream7i helps our company incorporate Asset Performance Management into every aspect of our operation and manage assets with unprecedented efficiency. We utilize Datastream7i to do the following tasks:* Work management* Materials management* Preventive maintenance* Asset management services* Budgeting* Equipment management
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FIN4400- Futures & Options
Ch1 homework solution
1. What is the difference between a long forward position and a short forward position?
Long forward position (aka buying a forward) is an agreement to buy an asset at a certain future
time for a certain price. Short forward position (aka selling a forward) is an agreement to sell an
asset at a certain future time for a certain price.
2. An investor enters into a short forward contract to sell 100,000 British pounds (GBP) for U.S. dollars
at an exchange rate of 1.5000 USD per pound. If the contract is held to expiration how much does
the investor gain or lose if the exchange rate at the end of the contract is (a) 1.49000 and (b)
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In the present case, $25,000 is ordinary income that is the subject of tax. There is no net capital gain for Jack and the ordinary income is not from a checklist of entities like charities, not-for-profit organizations. Thus, no part of annual receipts of $25,000 can be excluded from assessable income.
In conclusion, $25,000 is ordinary income to Jack and all part of $25,000 should be assessable income.
The issues here are whether Jack will have CGT and whether Jack can have any capital allowance from his transferring ownership of the taxi licence and the car to Sophie.
For CGT, the CGT event A1 happens if a person disposes of a CGT asset, a change of ownership for instance (s
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indexes of real macroeconomic data from Brazil (1995 = 100).
Gross Domestic Product 172 168 166
Personal Consumption Expenditures 180 177 174
Gross Private Domestic Investment 176 161 155
1. During this time, is Brazil experiencing a recession or an expansion?
Consider the following alternative explanations for the Brazilian cycle during this time.
First Explanation: The Brazilian cycle is only driven by a drop in consumers’ optimism about the future.
Prices are sticky.
1. Illustrate the short run effects of this shock on the goods market graph, the asset market graph and the
IS-LM-FE graph. Indicate with A and B, respectively, the equilibrium
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Chapter 11 Vocabulary
Saving: the absence of spending
Savings: Dollars that become available for investment when people abstain from consumption
Financial System: A network of savers, investors, and financial institutions that work to transfer savings to investors
Certificate of Deposit (CD): receipt showing an interest bearing loan by an investor to a bank, government, or corporation
Financial assets: property that has value (a CD is a financial asset because it has claim on the property of the borrower)
Financial intermediaries: Financial institutions that lend the funds (money) that savers provide to borrowers (i.e. Depository institutions (banks), life insurance companies, pension funds
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: (Amnesty.org, 2014)Bibliography: Amnesty.org, (2014). Document - PEINE DE MORT. Questions et réponses | Amnesty International. [online] Available at: http://www.amnesty.org/fr/library/asset/ACT50/010/2007/fr/f45ed09c-d3a2-11dd-a329-2f46302a8cc6/act500102007en.html [Accessed 27 Aug. 2014].I used Amnesty International as one of my other sources and found the two quotes from them, the quote regarding rehabilitation and my final quote regarding the harshness of capital punishment.Deathpenaltyinfo.orgDeterrence: States Without the Death Penalty Have Had Consistently Lower Murder Rates | Death Penalty Information CenterIn-text: (Deathpenaltyinfo.org, 2014)Bibliography: Deathpenaltyinfo.org, (2014
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members an asset or liability?The differences among team members are mostly "task related" which make them an asset. However the personality and attitude conflict between Sasha and Dana is more of personal nature and both seem to try to have a "personal edge" over the other, denying each other's knowledge base as "general" and not "up to mark". This particular difference has an angle to it that makes it a "liability"Also the differences which could actually turn up to be an asset, in particular the one regarding the "targeted market consumers" are not being dealt with maturity and its actually the dealing/resolution of differences that make it an asset/liability.4. What could have Henry done
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Definition of Interest RateAn interest rate is the percentage yield on a financial security or asset such as a loan, bond or savings deposit. A variety of interest rates exist in the economy because of differences in the risk, liquidity and maturity of various financial instruments or assets.Different Types Interest Rates (% per annum)Bank Current Deposit (at call) - 0.00%, June 2005Cash Rate Target - 5.50% (+0.25%), 2nd March 2005Banks Fixed Deposit Rate $5000 to $100,000 (5 years) - 4.75%, June 2005Finance Company Debentures (3 years) - 5.40%, June 2005Large Business Overdraft Rate (3 year variable) - 9.10%, June 2005Small Business Overdraft Rate (3 year variable) - 9.60%, June 2005The
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)Company will treat every employee equally regardless of their race and gender.(vi)Company will provide its employees reasonable resources to develop their professional skills and knowledge.(2)The Customers:- Company`s Customers are very important to the company our aim is to be customer centric organization therefore customer satisfaction is our top priority. Every customer should be treated respectfully regardless of their race and gender.(3)The Employees:- (i)Company` employees are its most important asset. Company expect professionalism of highest level from employees(ii) Employees will treat each other with respect, discrimination is not acceptable.(iii) Dishonest behavior towards company and employees from Employees will be unacceptable.(iv) Employees should always take care interest of company and its stakeholders everywhere and all the times.
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conversation." Here, Bennett implies that within the university setting conversation is encouraged in relation to education as it he sees it as being a valuable asset to learning.Bennett then refers to "various languages . . . voices". Bennett's referral to such varieties in language and different voices reiterates the fact that learning is essentially a two way method of conversing which again challenges the conventional metaphor that teachers teach and students learn. Oakeshott then reinforces Bennett's belief in the 2 way method of conversing in relation to education by stating that "more than one voice must be clearly heard."
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stroke need to be watched severely when working in the medical field because it can cost a patient their life. In Sid’s case study, the first doctor he saw at the walk in clinic pushed away his symptoms because Sid was so young. The doctor told Sid that it was just a muscle strain and that it would go away. I learned that no matter a patient’s age, medical professionals should always be on the lookout for life altering conditions.
Lastly, I feel that the ethical decision making framework is an asset to healthcare providers because it allows the identification of ethical issues that may be happening during patient care. The ethical decision making framework is made up of four components
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the sale is calculated on revalued amounts. The US will only allow revaluations if an impairment has occurred under SFAS 121 which states that assets must be examined at each balance sheet for physical damage etc. If it has been deemed to be impaired in some way then this must be reflected on the financial statements. The UK has slightly different rules which use the cost of market value against that of the value of the asset in use in an effort to consider whether impairment has occurred or not. This differs from the US method which works out a method using discounted cash flows resulting from the impairment. More impairments to assets may be recorded to UK assets than they would in the US
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"Capital budgeting ~ the process of analysing potential fixed asset investments. Capital budget decisions ~ probably the most important ones financial managers must take." (1)"Financial and budgetary accounting are branches of the same discipline, but they have fundamentally different purposes. Financial accounting looks backward in time: it summarizes economic performance for a past period. Budgetary accounting, by contrast, looks forward: it measures the cost of planned acquisitions and the use of economic resources in the future." (2)This seems to me to be a contradiction in terms, or could this be my untrained eye causing confusion?However confusing, I think it's interesting, what
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27 February 2019
Macro Unit 4 Problem Set
1. Define and give specific examples of transaction demand for money and asset demand for money
a. Transaction demand for money is people hold money for everyday transactions. For example, lunch money and bus fee would be a transaction demand. Asset Demand for Money is people hold money since it is less risky than other assets. For example, there is a recession happening and people don’t invest in anything because they don’t want to lose all of their money.
2. Money Market Graph
a. See attached. The demand for money downward sloping because people want to hold less of their wealth in the form of money the higher
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various provisions in their contracts.
Leases are an indirect form of long term borrowing where firms borrow to pay for an asset.
3-4 Explain how bond discounts and premiums usually arise. Describe how they are accounted for in the balance sheet and income statement.
When the interest rate is much higher than a coupon rate, then the mirror image of the “premium” scenario unfolds. Because the market values the bond at their present value, the company gets to issue the bonds above the face value, or at a premium. These bonds are accounted for in their respective sections. They are used to show how much it would be if each of the case scenario were to arise such as: premiums, discount, fair
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? Suppose he believes he could earn 6% annually on
his investments. Which option should he take?
The second half of this Problem Set is to complete the following retirement exercises for yourself.
Please do so with your hand calculator – DO NOT use one of the many online retirement calculators. I
would like to see the keystrokes for each part.
Retirement Exercise, part 1: It has been said that the largest single asset most people possess is their
future earning power. (Economists refer to this as “human capital.”) Please take your current annual
income and estimate its average annual growth rate over the remainder of your career until you retire.
(If you plan on never retiring, make up a
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and begin saving to fund an emergency fund first. They do have a positive net worth, but very little liquid assets.
Debt- The William’s have a reasonable amount of long-term debt. They should look to acquire more moderate every day cars to decrease some liabilities. They do currently have a good habit of primarily using cash and debit cards for purchases.
Investments- The William’s know they are moderate risk investors. They have a long time until retirement and can afford to be a little bit riskier while they are younger. Currently they have a $5,000 money market account as an investment asset. This does not match their risk tolerance. William’s should diversify their portfolio
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liabilities with its assets.
It is calculated as follows:
Debt ratio=Total Liabilities/Total Assets
Debt ratio figures of CCA:
Refer to appendix 3(a).
This ratio measures the financial leverage of Coca Cola Amatil. This explains that CCA has $1 asset to pay off $.72 of liability. Usually a debt ratio of 0.5 is considered to be less risky. Debt ratio has insignificantly changed during 2014 in a more favourable direction.
Creditors are more concerned with the debt ratio. The implication of having 0.72 debt ratio for CCA is that long-term and short-term borrowing is very risky. Potential and existing investors might be reluctant to invest in the company
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Assets and Liabilities
Sarah`s cleaning business purchased a floor polishing machine and paid $5,000 cash on the 1 June 2016.
Is the above item an asset under the “framework” definition ? Should the above item be included in Sarah` s business balance sheet on the 30th June 2016?
On the 15th May 2015, Shmal Ltd, borrowed $20,000 from the BIG BANK. The loan contract was signed on the 10th of May and the money was transferred to Shmal Ltd bank account on the 15th of May. Using the FRAMEWORK definitions, explain how Shmal Ltd should record this in her business balance sheet. (the loan is to be repaid in the year 2015).
Using the Framework definition explain why the following are
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between transaction costs and production costs is that the former can be varied by a change in the mode of resource allocation, while the latter depend only on the technology and tastes, and would be the same in all economic systems." It has been estimated that at least 45 percent of gross national product in a developed society is generated by transaction costs (Ghertman, 1998).2.3 Distinctions in factors determinedProduction cost result from both specificity and economies of scale, while transaction cost arise from asset specificity, uncertainty and so on. Next part will discuss them in detail. Production cost determines the price in market, while structure of firm is determined by
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beginning of 1990s, the globalization overwhelmed the market and investor became to think that they should not just invest in the local market, but invest in the international market. With this change of clients' attitude, the investment bank became to feel the need of innovation of their working style. Under these situations, Merrill Lynch decided to create totally different style of research report, the capital structure report which was only possible with the collaboration of international-market, cross-sector, and cross-asset analysts.The First Capital-Structure report about the U.S. Cable Industry covered seven companies. It was the first try of collaborative work in Merrill Lynch, so it
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IntroductionAccording to Pate (2002), 257 public companies, with total assets of $256 billion, filed for bankruptcy in 2001. That this is the highest number of bankruptcy filings since 1980 is alarming. Furthermore, it is uncomfortably large compared to the number of filings during the last recession (125 filings in 1991 and 91 filings in 1992). Pate further estimates the likely number of public company bankruptcy filings in 2002 will be about 200, 22 percent below the 2001 level, but still well above the 1986-2000 average of 113. Another clearly visible trend is the increase in the number of large companies going bankrupt. Altman (2000) points out that bankruptcy in firms with large asset
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at a very early age. Even immediately following his beloved mother's death he forgave his father who brought about her demise. "Andre Trocme firmly believed that his father was morally responsible for her death: in effect, he had killed her, as far as the son was concerned. But the son still loved the father and hugged him and forgave him when he cried..." (53).Another valuable asset to the objectors was complete faith. With absolute trust in God they "...had a more stable foundation than that of the confidence in the Germans. It was based upon a belief that love- the feeling, thinking, and acting as if life is precious beyond all price- would manage to find a way to restrain "diabolical
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Operation Definition of "Organization Behavior"Organization Behavior is the study of individual performance in an institution. It studies both the behavior of workers and the management so that a manager can launch a management style, which can be best fitted to a specific institution. Since we all know that human resource is the most valuable asset of a company, organizational behavior provide insight into strategies to yield optimum output. A successful manager should function as a leader with three major roles-information, motivation and decision -making. These three key elements are inter-related and subjected to the contingency variable (Robbins, 2000. pg 14). In other words, these
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IntroductionThere has never been a tougher time to run a business. Confronted with this dynamic atmosphere companies today are discovering the importance of maximizing the value of information provided by research. Companies that transform information into a competitive asset can turn even the toughest challenges into opportunities. Capitalizing on the information a company owns about its business processes, employees, customers, suppliers and partners is the new competitive edge, as it will act as capital that earns high returns. Information gathered through research will help organizations to understand their employees and customers instead of just processing them, optimize relationships
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The saying which goes "A stitch in time saves nine" is very true!!!Punctuality is no doubt a virtue no man can afford to lack. It is the simplest and easiest to acquire but at the same time really needed to succeed in life.Punctuality is the habit of doing things in time. It is a disciplinary force which contributes to the efficiency and success of both an individual and organization.A punctual person is always a step ahead of others .He is able to complete his assignments and keep commitments which wins him the command and respect of all those who work with him .He becomes an asset and support in any field of life. He will be a sought after member of any organization for the respect he has
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, if, if Putin likes Donald Trump, I consider that an asset, not a liability, because we have a horrible relationship with Russia.”
· Obama: “You were the change,” he said to voters and his supporters. “You answered people’s hopes, and because of you, by almost every measure, America is a better, stronger place than it was when we started.”
· Trump: “I said that I will be the greatest jobs producer that God ever created, and I mean that. I really, I'm gonna work very hard on that.”
On Democracy and Dissent
· Obama: “Our founders argued. They quarreled. Eventually they compromised. They expected us to do the same. But they knew that democracy does require a basic sense of solidarity
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. Furthermore, I love to play devil's advocate; I don’t do it on purpose, but I like to know things to the fullest extent and have a different perspective. Some people find me argumentative because I question everything, would this be an asset to a healthcare manager? Although I plan out my life and daily activities, I don’t feel like I’m organized enough to be labeled as a conscientiousness personality. Further readings on having a high conscientiousness did have a direct correlation with my career choice. Although at first glance I thought, how contradictory to have a word and analysis not represent you but somehow agrees with your choice in career. It later occurred to me there are many sides to a
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reason why the emancipation of the serfs in 1861 had contributed to the economic growth is because the serfs were no longer an asset to their master. The emancipation freed the peasants to go to live and work in cities, who provided an agriculture labour force in countryside and the urban labour force in the cities. Emancipation also meant the end of feudal dues and payments in kind, the ex-serfs were now available to own lands under their name. This had pushed Russia economy to go forward as the agriculture had improved, the ex-serfs were more productive to farm on their own land. Furthermore, the emancipation enable the serfs freed from fear of being forced to do military service, hence, it
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the perspective of the merging: it can adequately protect the interests and increase the assets of the merging party; the result of the merger collapses due to insufficient funds, and the stocks rise after speculation. Then there may be a disadvantage: the value of the asset may be underestimated and lost; the merged company is subject to sovereignty, and the profit is forced to split. At the same time, due to limited autonomy, employees of the merged company may face changes in wages and benefits, compulsory ruling, and financing channels are single, which will lead to the proliferation of merger risks.
For example, Amazon bought Whole Foods, and e-commerce giant Amazon AMZN announced that it