Category: Financial Management

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The loan amortization formula can be used, which is also known as

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The loan amortization formula can be used, which is also known as the formula for calculating the equal payment amount for an amortizing loan, to determine Lisa’s loan’s annual payments over the course of five, ten, or twenty years of amortization (Caplinger, 2023).
For a loan that amortizes, the annual payment (A) can be calculated using the following formula:
A= P x r x (1+r)n
(1+r)n -1
5 year term:
Monthly interest rate = 7% / 12 = 0.583%
Number of payments = 5 x 12 = 60
Monthly payment = $10,000 x (0.00583 x (1 + 0.00583) ^ 60) / ((1 + 0.00583) ^ 60 – 1) = $198.01
Annual payment = $198.01 x 12 = $2,376.14

10 year term:
Monthly interest rate = 7% / 12 = 0.583%
Number of payments = 10 x 12 = 120
Monthly payment = $10,000 x (0.00583 x (1 + 0.00583) ^ 120) / ((1 + 0.00583) ^ 120 – 1) = $116.11
Annual payment = $116.11 x 12 = $1,393.30

20 year term: Monthly interest rate = 7% / 12 = 0.583%
Number of payments = 20 x 12 = 240
Monthly payment = $10,000 x (0.00583 x (1 + 0.00583) ^ 240) / ((1 + 0.00583) ^ 240 – 1) = $77.53
Annual payment = $77.53 x 12 = $930.36
Therefore, as the loan term increases, the monthly payment decreases, but the total interest paid over the life of the loan increases. This is because you’re spreading the loan out over more payments.
Year
Beginning Balance
Payment
Interest
Principal
Ending Balance
1
$10,000,000.00
$1813,327.23
$700,000.00
$1,113,327.23
$8,886,672.77
2
$8,886,672.77
$1813,327.23
$622,067.09
$1,191,260.14
$7,695,412.63
3
$7,695,412.63
$1813,327.23
$538,678.88
$1,274,648.35
$6,420,764.28
4
$6,420,764.28
$1813,327.23
$449,451.50
$1,363,875.73
$5,056,888.55
5
$5,056,888.55
$1813,327.23
$354,982.20
$1,458,345.03
$3,598,543.52

If Lisa accepts Richard’s offer for a ten-year, 7% interest-only loan, her annual payment will consist only of the interest on the loan amount, and she won’t be paying off any principal.
Annual Interest Payment=Principal x Interest Rate x Annual Interest Payment=Principal x Interest
Rate
Given:
Principal amount (P) = Amount Lisa borrows
Interest rate (r) = 7% per year
Since it’s an interest-only loan, Lisa’s annual payment will be:
Annual Payment=P x r
Lisa’s annual payment will be:
Annual Payment=$10,000,000×0.07=$700,000Annual Payment=$10,000,000×0.07=$700,000
So, Lisa’s annual payment will be $700,000 for each of the ten years.
Pattern of Payments over the Ten Years:
Lisa’s payments will remain consistent at $700,000 each year.
Since it’s an interest-only loan, the principal amount remains unchanged over the ten-year period.
Regarding Richard’s reinvestment of the interest payments:
If Richard can reinvest the interest payments at a rate of 7% per year, he will have accumulated the total amount of interest earned over the ten years.
Since the interest rate is 7%, the interest earned each year will be $700,000.
Over ten years, Richard’s total accumulated amount from reinvesting the interest payments would be the sum of the interest payments compounded annually:
Total Amount=Annual Interest Payment×((1+Interest Rate)−1)Total Amount=Annual Interest Payment x ((1+Interest Rate) n−1)
Where:
Annual Interest Payment = $700,000
Interest Rate= 7%
n = 10 years
Total Amount=$700,000 x ((1+0.07)10−1) Total Amount=$700,000 x ((1+0.07)10−1)
Total Amount=$700,000 x (1.0710−1) Total Amount=$700,000 x (1.0710−1)
Total Amount=$700,000 x (1.967151−1) Total Amount=$700,000 x (1.967151−1)
Total Amount≈$1,376,005.70
So, Richard would have approximately $1,376,005.70 at the end of the tenth year if he reinvests the interest payments at a rate of 7% per year.

Caplinger, D. (2023, July 17). How is a loan amortization schedule calculated? The Motley Fool. https://www.fool.com/the-ascent/personal-finance/how-is-loan-amortization-schedule-calculated/

Week 2 Discussion Questions.
1) Lisa’s strategy to borrow money to purchase shar

Week 2 Discussion Questions.
1) Lisa’s strategy to borrow money to purchase shares outright, leveraging the shares as collateral and expecting dividends to cover a portion of the loan payments, can indeed be a prudent approach, especially if the dividends are expected to be stable and provide a reliable source of income. To calculate the annual payments for the loan amortized over five, ten, or twenty years, we can use the formula for the periodic payment of an amortizing loan. The formula for the periodic payment (PMT) of an amortizing loan with an annual interest rate (r), a principal amount (P), and a loan term in years (n) is:
PMT = P * [r (1 + r) ^n] / [(1 + r) ^n – 1]
Where:
PMT is the periodic payment.
P is the principal amount of the loan
r is the annual interest rate divided by the number of payment periods per year
n is the total number of payments (loan term in years times the number of payments per year) Let’s say Lisa borrowed $100,000 at an annual interest rate of 5% to be paid annually. Here’s how we would calculate the annual payments for different loan terms:
1) For a 5-year term:
r = 0.05 (since payments are made annually)
n = 5
PMT = 100,000 * [0.05(1 + 0.05) ^5] / [(1 + 0.05) ^5 – 1] = $23,097.59 2)
2) For a 10-year term:
n = 10
PMT = 100,000 * [0.05(1 + 0.05) ^10] / [(1 + 0.05) ^10 – 1] = $13,020.78 3)
3) For a 20-year term:
n = 20
PMT = 100,000 * [0.05(1 + 0.05) ^20] / [(1 + 0.05) ^20 – 1] = $8,290.96
These are the annual payments Lisa would need to make to fully repay the loan in 5, 10, and 20 years, respectively.
2) Repeat Question 1 but assume that Lisa makes payments at the beginning of each year.
The formula for the periodic payment (PMT) of an amortizing loan with payments made at the beginning of each period is:
PMT = P * r(1+r) n / (1+r) n – 1 * 1 / (1+r)
Where:
• PMT is the periodic payment.
• P is the principal amount of the loan.
• r is the annual interest rate divided by the number of payment periods per year.
• n is the total number of payments (loan term in years times the number of payments per year).
1. For a 5-year term:
r = 0.05 (since the payments are made annually)
n = 5
PMT = 100,000 * 0.05(1+0.05)5 / (1+0.05)5 -1 * 1 / (1+0.05) = $24,252.44
2. For a 10-year term:
n = 10
PMT = 100,000 * 0.05(1+0.05)10 / (1+0.05)10 -1 * 1 / (1+0.05) = $14,083.85
3. For a 20-year term:
n = 20
PMT = 100,000 * 0.05(1+0.05)20 / (1+0.05)20 -1 * 1 / (1+0.05) = $9,228.36
These are the adjusted annual payments Lisa would need to make at the beginning of each year to fully repay the loan in 5, 10, and 20 years.
3) Build and analyze the amortization schedule below for a $10,000,000 loan at 7% with five equal end-of-year payments.
PMT = P*r (1 + r) n / (1+r) n – 1
Where:
• P is the principal amount
• r is the annual interest rate
• n is the total number of payments
PMT = 10,000,000 – 0.07 * (1 + 0.07)5 / (1 + 0.07)5 – 1
PMT = 10,000,000 * 0.07 * (1.07)5 / (1.07)5 – 1
PMT= 10,000,000 * 0.07 * 1.402551566 / 1402551566 – 1
PMT = 10,000,000 * 0.09817761562 / 0.402551566
PMT = 981,776.1562 / 0.402551566
PMT = $2,438,679.41
Year Beginning Balance Payment Interest Principal Ending Balance
1 $10,000,000 $2,438,678.41 $700,000,00 $1,738,679.41 $8,261,320.59`
2 $8,261,320.59 $2,438,678.41 $578,193.44 $1,860,485.97 $6,400,834.62
3 $6,400,834.62 $2,438,678.41 $448,058.42 $1,990,621.99 $4,410,212.63
4 $4,410,212.63 $2,438,678.41 $307,714.88 $2,130,964.53 $2,279,248.10
5 $2,279,248.10 $2,438,678.41 $158,747.37 $2,279,932.04 $0.00
In each year:
• The interest is calculated as the beginning balance multiplied by the annual interest rate.
• The principal payment is the difference between the annual payment and the interest.
• The ending balance is the beginning balance minus the principal payment.
4) Richard has offered to finance the purchase with a ten- year, 7%, interest-only loan. Explain how much is Lisa’s annual payment. Describe the pattern of payments over the ten years.
Lisa’s annual payment for the interest-only loan offered by Richard, we can use the formula:
Annual Interest Payment =P * r
Where:
P is the principal amount (the amount borrowed)
r is the annual interest rate (expressed as a decimal)
Given:
• Principal amount (P) is the amount borrowed, which we’ll assume is the same as the purchase price of the shares.
• Annual interest rate (r) is 7% or 0.07.
Annual Interest Payment=$10,000,000 * 0.07
Annual Interest Payment=$700,000
Lisa’s annual payment for the interest-only loan would be $700,000.
Now, let’s describe the pattern of payments over the ten years:
• Each year, Lisa would make an interest payment of $700,000 to Richard.
• Since it’s an interest-only loan, the principal amount remains unchanged throughout the term of the loan.
• At the end of the ten-year term, Lisa will still owe the original principal amount of $10,000,000 to Richard, as no principal payments are made during the loan term.
• Therefore, the pattern of payments over the ten years is consistent: Lisa pays $700,000 in interest each year, and the principal amount remains the same until the end of the loan term, at which point the full principal amount becomes due.
5) Assume that Lisa accepts Richard’s offer to finance the purchase with a ten-year, 7%, interest-only loan. If Richard can reinvest the interest payments at a rate of 7% per year, explain how much money will he have at the end of the tenth year.
If Richard can reinvest the interest payments at a rate of 7% per year, he will have accumulated a certain amount of money by the end of the tenth year due to the compounding effect of reinvesting the interest.
In an interest-only loan scenario, Richard receives $700,000 in interest payments annually from Lisa. If he reinvests each interest payment at a rate of 7% per year, it will compound over the ten-year period.
Calculate the future value of each interest payment using the formula for compound interest:
FV = PV * (1 + r)n
Where:
• FV is the future value of the investment.
• PV is the present value (initial investment or principal)
• r is the interest rate per period (expressed as a decimal)
• n is the number of periods
Given:
• PV=$700,000 (annual interest payment)
• r=0.07 (7% interest rate)
• n=10 (number of years)
Future value of each interest payment and then sum them up to find out how much money Richard will have at the end of the tenth year:
FV=700,000 * (1+0.07)10
FV=700,000 * (1.07)10
FV≈700,000 * 1.967151
FV≈$1,376,005.70
So, each $700,000 interest payment reinvested annually will grow to approximately $1,376,005.70 by the end of the tenth year.
Now, since Richard receives this interest payment every year for ten years, we need to calculate the total future value by summing up the future values of each interest payment:
Total Future Value=1,376,005.70 * 10
Total Future Value≈$13,760,057
Therefore, at the end of the tenth year, Richard will have approximately $13,760,057 if he reinvests each interest payment at a rate of 7% per year.

Reply to these
The loan amortization formula can be used, which is also known as

Reply to these
The loan amortization formula can be used, which is also known as the formula for calculating the equal payment amount for an amortizing loan, to determine Lisa’s loan’s annual payments over the course of five, ten, or twenty years of amortization (Caplinger, 2023).
For a loan that amortizes, the annual payment (A) can be calculated using the following formula:
A= P x r x (1+r)n
(1+r)n -1
5 year term:
Monthly interest rate = 7% / 12 = 0.583%
Number of payments = 5 x 12 = 60
Monthly payment = $10,000 x (0.00583 x (1 + 0.00583) ^ 60) / ((1 + 0.00583) ^ 60 – 1) = $198.01
Annual payment = $198.01 x 12 = $2,376.14

10 year term:
Monthly interest rate = 7% / 12 = 0.583%
Number of payments = 10 x 12 = 120
Monthly payment = $10,000 x (0.00583 x (1 + 0.00583) ^ 120) / ((1 + 0.00583) ^ 120 – 1) = $116.11
Annual payment = $116.11 x 12 = $1,393.30

20 year term: Monthly interest rate = 7% / 12 = 0.583%
Number of payments = 20 x 12 = 240
Monthly payment = $10,000 x (0.00583 x (1 + 0.00583) ^ 240) / ((1 + 0.00583) ^ 240 – 1) = $77.53
Annual payment = $77.53 x 12 = $930.36
Therefore, as the loan term increases, the monthly payment decreases, but the total interest paid over the life of the loan increases. This is because you’re spreading the loan out over more payments.
Year
Beginning Balance
Payment
Interest
Principal
Ending Balance
1
$10,000,000.00
$1813,327.23
$700,000.00
$1,113,327.23
$8,886,672.77
2
$8,886,672.77
$1813,327.23
$622,067.09
$1,191,260.14
$7,695,412.63
3
$7,695,412.63
$1813,327.23
$538,678.88
$1,274,648.35
$6,420,764.28
4
$6,420,764.28
$1813,327.23
$449,451.50
$1,363,875.73
$5,056,888.55
5
$5,056,888.55
$1813,327.23
$354,982.20
$1,458,345.03
$3,598,543.52

If Lisa accepts Richard’s offer for a ten-year, 7% interest-only loan, her annual payment will consist only of the interest on the loan amount, and she won’t be paying off any principal.
Annual Interest Payment=Principal x Interest Rate x Annual Interest Payment=Principal x Interest
Rate
Given:
Principal amount (P) = Amount Lisa borrows
Interest rate (r) = 7% per year
Since it’s an interest-only loan, Lisa’s annual payment will be:
Annual Payment=P x r
Lisa’s annual payment will be:
Annual Payment=$10,000,000×0.07=$700,000Annual Payment=$10,000,000×0.07=$700,000
So, Lisa’s annual payment will be $700,000 for each of the ten years.
Pattern of Payments over the Ten Years:
Lisa’s payments will remain consistent at $700,000 each year.
Since it’s an interest-only loan, the principal amount remains unchanged over the ten-year period.
Regarding Richard’s reinvestment of the interest payments:
If Richard can reinvest the interest payments at a rate of 7% per year, he will have accumulated the total amount of interest earned over the ten years.
Since the interest rate is 7%, the interest earned each year will be $700,000.
Over ten years, Richard’s total accumulated amount from reinvesting the interest payments would be the sum of the interest payments compounded annually:
Total Amount=Annual Interest Payment×((1+Interest Rate)−1)Total Amount=Annual Interest Payment x ((1+Interest Rate) n−1)
Where:
Annual Interest Payment = $700,000
Interest Rate= 7%
n = 10 years
Total Amount=$700,000 x ((1+0.07)10−1) Total Amount=$700,000 x ((1+0.07)10−1)
Total Amount=$700,000 x (1.0710−1) Total Amount=$700,000 x (1.0710−1)
Total Amount=$700,000 x (1.967151−1) Total Amount=$700,000 x (1.967151−1)
Total Amount≈$1,376,005.70
So, Richard would have approximately $1,376,005.70 at the end of the tenth year if he reinvests the interest payments at a rate of 7% per year.

Caplinger, D. (2023, July 17). How is a loan amortization schedule calculated? The Motley Fool. https://www.fool.com/the-ascent/personal-finance/how-is-loan-amortization-schedule-calculated/

Week 2 Discussion Questions.
1) Lisa’s strategy to borrow money to purchase shar

Week 2 Discussion Questions.
1) Lisa’s strategy to borrow money to purchase shares outright, leveraging the shares as collateral and expecting dividends to cover a portion of the loan payments, can indeed be a prudent approach, especially if the dividends are expected to be stable and provide a reliable source of income. To calculate the annual payments for the loan amortized over five, ten, or twenty years, we can use the formula for the periodic payment of an amortizing loan. The formula for the periodic payment (PMT) of an amortizing loan with an annual interest rate (r), a principal amount (P), and a loan term in years (n) is:
PMT = P * [r (1 + r) ^n] / [(1 + r) ^n – 1]
Where:
PMT is the periodic payment.
P is the principal amount of the loan
r is the annual interest rate divided by the number of payment periods per year
n is the total number of payments (loan term in years times the number of payments per year) Let’s say Lisa borrowed $100,000 at an annual interest rate of 5% to be paid annually. Here’s how we would calculate the annual payments for different loan terms:
1) For a 5-year term:
r = 0.05 (since payments are made annually)
n = 5
PMT = 100,000 * [0.05(1 + 0.05) ^5] / [(1 + 0.05) ^5 – 1] = $23,097.59 2)
2) For a 10-year term:
n = 10
PMT = 100,000 * [0.05(1 + 0.05) ^10] / [(1 + 0.05) ^10 – 1] = $13,020.78 3)
3) For a 20-year term:
n = 20
PMT = 100,000 * [0.05(1 + 0.05) ^20] / [(1 + 0.05) ^20 – 1] = $8,290.96
These are the annual payments Lisa would need to make to fully repay the loan in 5, 10, and 20 years, respectively.
2) Repeat Question 1 but assume that Lisa makes payments at the beginning of each year.
The formula for the periodic payment (PMT) of an amortizing loan with payments made at the beginning of each period is:
PMT = P * r(1+r) n / (1+r) n – 1 * 1 / (1+r)
Where:
• PMT is the periodic payment.
• P is the principal amount of the loan.
• r is the annual interest rate divided by the number of payment periods per year.
• n is the total number of payments (loan term in years times the number of payments per year).
1. For a 5-year term:
r = 0.05 (since the payments are made annually)
n = 5
PMT = 100,000 * 0.05(1+0.05)5 / (1+0.05)5 -1 * 1 / (1+0.05) = $24,252.44
2. For a 10-year term:
n = 10
PMT = 100,000 * 0.05(1+0.05)10 / (1+0.05)10 -1 * 1 / (1+0.05) = $14,083.85
3. For a 20-year term:
n = 20
PMT = 100,000 * 0.05(1+0.05)20 / (1+0.05)20 -1 * 1 / (1+0.05) = $9,228.36
These are the adjusted annual payments Lisa would need to make at the beginning of each year to fully repay the loan in 5, 10, and 20 years.
3) Build and analyze the amortization schedule below for a $10,000,000 loan at 7% with five equal end-of-year payments.
PMT = P*r (1 + r) n / (1+r) n – 1
Where:
• P is the principal amount
• r is the annual interest rate
• n is the total number of payments
PMT = 10,000,000 – 0.07 * (1 + 0.07)5 / (1 + 0.07)5 – 1
PMT = 10,000,000 * 0.07 * (1.07)5 / (1.07)5 – 1
PMT= 10,000,000 * 0.07 * 1.402551566 / 1402551566 – 1
PMT = 10,000,000 * 0.09817761562 / 0.402551566
PMT = 981,776.1562 / 0.402551566
PMT = $2,438,679.41
Year Beginning Balance Payment Interest Principal Ending Balance
1 $10,000,000 $2,438,678.41 $700,000,00 $1,738,679.41 $8,261,320.59`
2 $8,261,320.59 $2,438,678.41 $578,193.44 $1,860,485.97 $6,400,834.62
3 $6,400,834.62 $2,438,678.41 $448,058.42 $1,990,621.99 $4,410,212.63
4 $4,410,212.63 $2,438,678.41 $307,714.88 $2,130,964.53 $2,279,248.10
5 $2,279,248.10 $2,438,678.41 $158,747.37 $2,279,932.04 $0.00
In each year:
• The interest is calculated as the beginning balance multiplied by the annual interest rate.
• The principal payment is the difference between the annual payment and the interest.
• The ending balance is the beginning balance minus the principal payment.
4) Richard has offered to finance the purchase with a ten- year, 7%, interest-only loan. Explain how much is Lisa’s annual payment. Describe the pattern of payments over the ten years.
Lisa’s annual payment for the interest-only loan offered by Richard, we can use the formula:
Annual Interest Payment =P * r
Where:
P is the principal amount (the amount borrowed)
r is the annual interest rate (expressed as a decimal)
Given:
• Principal amount (P) is the amount borrowed, which we’ll assume is the same as the purchase price of the shares.
• Annual interest rate (r) is 7% or 0.07.
Annual Interest Payment=$10,000,000 * 0.07
Annual Interest Payment=$700,000
Lisa’s annual payment for the interest-only loan would be $700,000.
Now, let’s describe the pattern of payments over the ten years:
• Each year, Lisa would make an interest payment of $700,000 to Richard.
• Since it’s an interest-only loan, the principal amount remains unchanged throughout the term of the loan.
• At the end of the ten-year term, Lisa will still owe the original principal amount of $10,000,000 to Richard, as no principal payments are made during the loan term.
• Therefore, the pattern of payments over the ten years is consistent: Lisa pays $700,000 in interest each year, and the principal amount remains the same until the end of the loan term, at which point the full principal amount becomes due.
5) Assume that Lisa accepts Richard’s offer to finance the purchase with a ten-year, 7%, interest-only loan. If Richard can reinvest the interest payments at a rate of 7% per year, explain how much money will he have at the end of the tenth year.
If Richard can reinvest the interest payments at a rate of 7% per year, he will have accumulated a certain amount of money by the end of the tenth year due to the compounding effect of reinvesting the interest.
In an interest-only loan scenario, Richard receives $700,000 in interest payments annually from Lisa. If he reinvests each interest payment at a rate of 7% per year, it will compound over the ten-year period.
Calculate the future value of each interest payment using the formula for compound interest:
FV = PV * (1 + r)n
Where:
• FV is the future value of the investment.
• PV is the present value (initial investment or principal)
• r is the interest rate per period (expressed as a decimal)
• n is the number of periods
Given:
• PV=$700,000 (annual interest payment)
• r=0.07 (7% interest rate)
• n=10 (number of years)
Future value of each interest payment and then sum them up to find out how much money Richard will have at the end of the tenth year:
FV=700,000 * (1+0.07)10
FV=700,000 * (1.07)10
FV≈700,000 * 1.967151
FV≈$1,376,005.70
So, each $700,000 interest payment reinvested annually will grow to approximately $1,376,005.70 by the end of the tenth year.
Now, since Richard receives this interest payment every year for ten years, we need to calculate the total future value by summing up the future values of each interest payment:
Total Future Value=1,376,005.70 * 10
Total Future Value≈$13,760,057
Therefore, at the end of the tenth year, Richard will have approximately $13,760,057 if he reinvests each interest payment at a rate of 7% per year.

Assignment Instructions
To complete the assignment, follow this required format:

Assignment Instructions
To complete the assignment, follow this required format:
Title Page Please include a title page in APA format. You can find the guidelines using Academic Writer or the following website: APA Style
Part 1: Salary Research Research several potential job roles in your desired geographical area. Provide a summary of your research including location of job, job title, and salary information. To research your starting salary, consider using the information provided at Salary.com and Payscale.com. Local government hospitals may also publish this information on their websites. You should find a minimum of two sources that contain salaries to compare to help you make a judgment about a reasonable starting average salary for this position. Consider degrees, certifications, and the number of years of experience that you have when determining what positions, you qualify for and what your salary may be. (Use this > (MY JOB WILL BE NURSING)
You must include in-text citations using APA format when comparing your salaries. There should be a minimum of two citations in this section since you are comparing salaries.
Part 2: Calculations and Table of Expenses After you have found your potential salary, set up your monthly budget using only 2/3 income to account for taxes and other deductions (called your net salary). You need to include your work for your calculations.
For example, if you anticipate making $45,000/year, then 2/3 times 45,000 = 30,000. $30,000 / 12 = $2500 and that is what you want to use for setting up a monthly budget. Use the table provided to fill in your monthly budget. You may add/remove any extra categories/rows to the table needed to complete your budget. When creating your budget, be sure to consider the following categories: Housing and living expenses (e.g., rent/mortgage, utilities, maintenance, etc.) Food Student loan payments Transportation Childcare (if applicable) Credit Card or other debt Car loans Continuous medical expenses Emergency savings Retirement savings Long-term goal savings (e.g., buying a home, new car, education, etc.) Discretionary spending (e.g., eating out, entertainment, etc.) Insurance The total amount and net amount will be included in your table so you can see your balance each month. The table must be copied into your Word document. Please refer to the video directions provided in the module.
Part 3: Graphical Representation of Your Budget Display your table of expenses as a graphical representation. You may choose to use a pie chart or bar graph to represent your expenses. The table and graphical representation must be copied into your Word document. Do not submit an Excel file. Please refer to the video directions provided in the module.
Part 4: Reflection In this reflection, you should reflect on your findings. This reflection section should be a minimum of 200 words and be written in paragraph form (do not use bullet points in your writing).
Please address the following prompts in your reflection: Why did you pick this location and job? Were you surprised by your expected salary and income after taxes and other deductions were taken? Why or why not? What were some challenges in creating your budget? What surprised you? Were you able to set up an emergency/savings fund? Why or why not? How can you prepare for unexpected expenses? How can you apply these budgeting tools to your current situation? Be sure to put in-text citations in APA format. Academic Writer is the recommended guide for formatting resources. Part 5: References All references should be in APA format. Academic Writer is the recommended guide for formatting resources. There should be a minimum of two references.

Major financial management decisions involve capital budgeting, capital structur

Major financial management decisions involve capital budgeting, capital structure, and working capital management. Discuss an example of each that relates to Williams’ Tree Farm, and elaborate on how they relate to Williams’ Tree Farm.
Discuss if the Williams should form a regular corporation or choose one of the hybrid forms. Whichever form they use, they intend to distribute ownership equally among Jake, his wife, and their two children so that each party will own 25% of the shares. Consider the tax consequences of their decision.
Explain how does incorporating affect the family’s overall risk exposure.
Explain how does incorporating affect the ability of the business to expand.
John is concerned that if the business gets much bigger or if he should just decide to slow down and enjoy life a little more, he will need to hire professional management and possibly lose control over key business decisions. Discuss whether his concerns justified.

For this journal, you will reflect on what you have learned so far in the course

For this journal, you will reflect on what you have learned so far in the course. Select and research the financial documents of a firm to include balance sheet, income statement, etc. Examine the firm’s working capital management. Look at the firm’s annual report and answer the following questions:
What is the firm’s cash position? Does the firm reflect positive cash balances for the last 3 years?
What methods does the firm use to ensure and maintain positive cash flows?
What methods of short-term financing does the firm use?
Conclude your response with a final recommendation about whether or not this company would be a good investment for potential investors.
Your finished response must be a minimum of three pages long, and you must use at least three sources (most of which were likely used in other units). At least one source must come from the CSU Online Library. Adhere to APA Style when creating citations and references for this assignment.

For this journal, you will reflect on what you have learned so far in the course

For this journal, you will reflect on what you have learned so far in the course. Select and research the financial documents of a firm to include balance sheet, income statement, etc. Examine the firm’s working capital management. Look at the firm’s annual report and answer the following questions:
What is the firm’s cash position? Does the firm reflect positive cash balances for the last 3 years?
What methods does the firm use to ensure and maintain positive cash flows?
What methods of short-term financing does the firm use?
Conclude your response with a final recommendation about whether or not this company would be a good investment for potential investors.
Your finished response must be a minimum of three pages long, and you must use at least three sources (most of which were likely used in other units). At least one source must come from the CSU Online Library. Adhere to APA Style when creating citations and references for this assignment.

Instructions
Write a paper reflecting on the top five things you learned in the

Instructions Write a paper reflecting on the top five things you learned in the course. The paper needs to be at least two full pages, each of the five items/concepts need to be thoroughly explained in your own words, and you should include why you think these items/concepts are important. How have you applied these concepts in your personal/professional life and how might you use these concepts in your future?
Please do not just list five things and say they are important because you will need to know them in your career. I am looking for well-thought out and supported responses. Please attach your paper as a Microsoft Word document.
Be sure to check your submission against Turnitin (plagiarism checker), as this cannot be a copy or mirror image of what you have submitted in other courses.
For all exercises and our project, I have provided an APA 7 Format Made Simple template for your convenience and it is located in several areas within the course. All you have to do is edit the applicable title page content areas, meet the minimum content requirements and Submit by the due date in order to be eligible for full credit. Please do not lose points due to not using the template in order to meet the minimum APA formatting requirements.
Minimum Requirements
You are required to submit a 4-Page (Title Page, 2 pages of substantial content, Reference Page), APA formatted paper with substantial content relating to the project instructions. Leverage the APA Format Made Simple Template for setting up every exercise correctly.
Substantial Content Requirements
For academic purposes, at least one APA formatted reference from our textbook is required.
Project content must include the student’s original thoughts based on the topics from our course textbook.
Do not submit previously submitted projects from other classes. Students are expected to connect their projects to principles learned throughout our class together.
Direct quotes from references must be less than 20 words. Please review postings for sentence structure, grammar and punctuation errors. Plagiarized submissions will result in a “0” for the submission of this assignment.

Instructions
Write a paper reflecting on the top five things you learned in the

Instructions Write a paper reflecting on the top five things you learned in the course. The paper needs to be at least two full pages, each of the five items/concepts need to be thoroughly explained in your own words, and you should include why you think these items/concepts are important. How have you applied these concepts in your personal/professional life and how might you use these concepts in your future?
Please do not just list five things and say they are important because you will need to know them in your career. I am looking for well-thought out and supported responses. Please attach your paper as a Microsoft Word document.
Be sure to check your submission against Turnitin (plagiarism checker), as this cannot be a copy or mirror image of what you have submitted in other courses.
For all exercises and our project, I have provided an APA 7 Format Made Simple template for your convenience and it is located in several areas within the course. All you have to do is edit the applicable title page content areas, meet the minimum content requirements and Submit by the due date in order to be eligible for full credit. Please do not lose points due to not using the template in order to meet the minimum APA formatting requirements.
Minimum Requirements
You are required to submit a 4-Page (Title Page, 2 pages of substantial content, Reference Page), APA formatted paper with substantial content relating to the project instructions. Leverage the APA Format Made Simple Template for setting up every exercise correctly.
Substantial Content Requirements
For academic purposes, at least one APA formatted reference from our textbook is required.
Project content must include the student’s original thoughts based on the topics from our course textbook.
Do not submit previously submitted projects from other classes. Students are expected to connect their projects to principles learned throughout our class together.
Direct quotes from references must be less than 20 words. Please review postings for sentence structure, grammar and punctuation errors. Plagiarized submissions will result in a “0” for the submission of this assignment.