Archive for category: Business paper

You decide to buy a house in Amherst valued at $250,000 and need to borrow the entire amount to finance your house.

After shopping around for a mortgage loan, you find that the following two deals from the Mortgage One Company are very attractive: (1) A 15-year fixed rate mortgage with no point and an APR of 5%, compounded monthly. (2) A 15-year fixed rate mortgage with two points and an APR of 4.5%, compounded monthly. A point simply represents 1% of the loan amount, and it is the front charge by lenders to reduce the loan interest rate. The money you pay for points is tax deductible. However, the Mortgage One Company does not allow you to build the point money into the mortgage, so you need to pay the point separately.

For simplicity, let’s assume that you have this amount of money in your bank account. The closing costs (not including the points) for the two loans are identical. According to the law, the interests on your mortgage payments are tax deductible. In fact, at the end of each year, your lender will simply add up your 12-month interest payments (without considering the time value of money) and forward the mortgage statement to you and the IRS for tax filing purposes. Then you file your tax form according to your income tax rate of 28%.

Assume that you pay your mortgage payments at the end of each month and you pay taxes at the end of each year. Question : Suppose that you chose the 5% loan to finance your house. Five years have passed since you purchased the house. You have paid 60 monthly payments with no additional payments toward the principal. The current APR for the 10-year fixed rate mortgage is 4.25% with no point. The Mortgage Two Company offers you a chance to refinance your original loan with the current 4.25% loan. They will charge you $2,500 refinancing fee. This fee is not tax deductible. After considering all the factors, should you take Mortgage Two’s offer to refinance your loan outstanding? Why or why not? Make assumptions wherever applicable and explain your answers in details.

This is part one to a 4 part assignment. Choose one (1) public corporation in an industry with which you are familiar.

Research the company on its own Website, the public filings on the Securities and Exchange Commission EDGAR database (http://www.sec.gov/edgar.shtml), in the University’s online databases, and any other sources you can find. The annual report will often provide insights that can help address some of these questions. Write a four to six (4-6) page paper in which you: Assess how globalization and technology changes have impacted the corporation you researched. Apply the industrial organization model and the resource-based model to determine how your corporation could earn above-average returns. Assess how the vision statement and mission statement of the corporation influence its overall success.

Evaluate how each category of stakeholder impacts the overall success of this corporation. Use at least three (3) quality references. Note: Wikipedia and other Websites do not quality as academic resources. Your assignment must follow these formatting requirements:

This course requires use of Strayer Writing Standards (SWS). The format is different than other Strayer University courses. Please take a moment to review the SWS documentation for details. Include a cover page containing the title of the assignment, the student’s name, the professor’s name, the course title, and the date. The cover page and the reference page are not included in the required assignment page length. The specific course learning outcomes associated with this assignment are:

Determine ways in which the vision, mission, and stakeholders of a firm impact that firm’s overall success. Use technology and information resources to research issues in business administration. Write clearly and concisely about business administration using proper writing mechanics. Grading for this assignment will be based on answer quality, logic / organization of the paper, and language and writing skills, using the following rubric.

Description

Select a company and analyze how it uses the Internet to better educate its current and potential customers about its products in order to build greater brand recognition. Complete the following: Select a firm that uses the Internet to offer consumers detailed and helpful information on its products. Describe the selected firm and its business. Locate the firm’s Web site. Analyze the Web site and how the firm uses it for brand recognition. Explain how the Web site is used to educate customers about the firm’s products. Provide examples. Describe how the Web site is used to create a lasting, favorable impression of the firm with customers. For example, consider how the firm may use its Web site to increase top-of-mind awareness of its products. Describe how the strategies used may affect customer behavior toward the firm’s products

Topic continued: The Supreme Court’s decision regarding whether the anti-retaliation provision of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (Dodd-Frank) covers only persons who have reported alleged securities violations to the SEC or whether it also includes persons who have made internal complaints without making a complaint to the SEC. The Second and Ninth Circuits held that the anti-retaliation provision applied to both categories of persons while the Fifth Circuit restricted the provision’s coverage to persons who filed complaints with the SEC. The rubric: used includes these assessments of your work, which are stated here just as a reminder of things to consider (not overlook) while writing your paper, not as a guarantee of any particular point total.7 A well-stated thesis – understandable? What is the author (the student) trying to do? 5 pts. Analysis of Topic – 40 pts. Clarity of Paper – 10 pts. Strong Conclusion? (Has the author attempted to prove anything? IF so, given the brevity of the paper, has he/she been successful) – 10 pts. Writing, Spelling, Punctuation – 20 pts. (See the tips on pages 13-15. You will receive fewer points on your paper for grammatical mistakes, especially ones that I specifically advise against on pages 13-15). Sources – Quality and Number (the author should cite at least nine different sources, unless there is an understandable reason – the sources should be of different types, and most should be recent in origin whenever practical and appropriate for the paper) – 15 pts. Legal reasoning is a stylized form of logical thinking. While not as rigorous as a mathematical proof, there are similarities. Typically any significant statement of fact or opinion that is not common knowledge to the average person, especially those advanced as truth, must be documented with a citation. So, it is not just quotations that require citations, but paraphrasing of another person’s work. And it therefore also makes sense that poorly documented papers receive lower grades than they otherwise would receive. Please include citations whenever appropriate. If in doubt, cite! I very much prefer footnotes over other formats. I don’t care which style of citation you use, as long as you are consistent and give sufficient information for finding the source. Unless you already have a strong preference, just use the format used in law journal articles – the Bluebook: A Uniform System of Citation. Some basic examples of how to cite the most common types of sources (e.g., court cases, law journal articles and newspaper articles, books, internet sources, and statutes), which generally do not change in citation format from one edition of the Bluebook to the next, are at https://www.rgnul.ac.in/PDF/f7ff0636-9075-47f2-8e17-a5ba7be7a3cf.pdf For a book, the source citation would be the author, title, date of publication, and page number. For an article, the source citation would include the author, the title, the name of the journal in which the article appears, the volume and page number where the information is found, and the date of publication. For a website, the source citation must include the name of the person or organization that takes responsibility for the information, the title or subject of the information, the precise URL page on which that specific piece of information is found, and the date on which it is accessed. Additional: Again, the most important things is to write a very good paper that is your work. But the above standards may give you some idea of what you should do. Turning It In and Monitoring the Grading The outline and the paper must be submitted electronically via the Internet. IT IS NO DEFENSE TO PLAGIARISM THAT YOU ACCIDENTALLY TURNED IN A DRAFT OR SOME OTHER WORK RATHER THAN THE WORK YOU INTENDED TO SUBMIT. PLEASE CHECK AND DOUBLE-CHECK YOUR SUBMISSION BOTH BEFORE AND AFTER YOU HAVE SUBMITTED IT. Also, if you took ideas or information from a source, it is always better to err on the side of citing that source repeatedly – even multiple times throughout your paper – than just to cite it a few times and make it appear for other parts of the paper (other sentences) that the work is yours when in fact the idea or information is something you got from that source. Also, note that even footnoting a source is insufficient when you are not simply paraphrasing the source’s contents but taking your wording came directly from that article: then you should cite the source AND also put the language in quotation marks. Please submit your term paper using Microsoft Word (either as a .doc file or a .docx file). If you do not have access to Microsoft Word you may submit your file as a PDF. However, Microsoft Word is much preferred. Please only submit the paper as one file. If you have a second file – e.g., a bibliography – please include that material into the one main file (in other words, into the Term Paper file itself).