Matilda is a marketing manager earning an annual salary of £38,000

Matilda is a marketing manager earning an annual salary of £38,000. Plus a bonus of £4000. Matilda received a small amount of interest from ISAs. Further, she has been offered the opportunity to have a company car and the company would provide all the fuel whether for work or private use.

Matilda is a marketing manager earning an annual salary of £38,000

Question 1 – Matilda
Matilda is a marketing manager earning an annual salary of £38,000. Plus a bonus of £4000. Also, she received a small amount of interest from ISAs. She has been offered the opportunity to have a company car and the company would provide all the fuel whether for work or private use. Also, she is very excited and has looked at the choices available to her. She is tempted to choose from the following cars

Car 1 – is a petrol car with a list price of £18,000 and CO2 emissions of 95g/km

Car 2 is a diesel car and costs £18,000 and has CO2 emissions of 200g/km

If Matilda chooses not to have a company car, her employer is prepared to pay her an additional £3000 per annum. Matilda currently runs her own car which she estimates costs her £3500 per annum including petrol, servicing, repairs and depreciation.

Required:
a)      Prepare Matilda’s income tax computation for the year, assuming that she chooses option 1 as her company car. What will her total tax liability be for the year?
b)      What would Matilda’s total tax liability be if she chooses car 2? Comment on your findings.
c)      Summarise the figures and factors that Matilda should consider when deciding whether to opt for the additional salary or company car.

Question 2 – Shula

Shula works for a local newspaper and earns £23000 per annum. She paid tax on her income of £3300. She is provided with a petrol driven company car, that has a list price of £15000 and which emits 100g/km of CO2. Her employer pays for all the fuel used.
During the year Shula made taxable profits of £11000 from a self-employed business and she received dividends of £681
Required:
a)      Carry out a tax computation for Shula to determine her total income tax liability for the year and any remaining tax that she owes or is owed.
b)      Calculate the total amount of national insurance contributions that Shula has to make detailing the various classes of National Insurance that she has to pay
c)      Explain how all of Shula’s income tax liability is settled and how her liability to national insurance contributions will be paid.

You should assume the indicative rates used in the lecture material as summarised in the next 2 tables:

Personal allowance

£12,500 per annum

Income tax rate

Dividend rate

First £37500 of taxable income

20%

7.5%

Next £100,000   of taxable income

40%

32.5%

Above £150000 of taxable income

45%

38.1%

National Insurance class 1 payable by employees

Primary threshold

£166 per week

Upper earnings limit

£962 per week

NI contributions on earnings between the primary threshold and UEL

12%

On earnings above the UEL

2%

National Insurance contribution classes 2 and 4 payable by self employed

Class 2

Class 2 small earnings exception

£6365

Class 2 rate

£3.00 per week

Class 4

Class 4 lower profits limit

£8632

Class 4 upper profits limit

£50000

Class 4 rate on profits between upper and lower limit

9%

 

Class 4 rate on profits above upper limit

2%

Car and fuel benefit

CO2 emissions

Appropriate % (petrol)

Electric car

0%

Up to 50g/km

16%

From 51g/km to 75g/km

19%

From76g/km to 94g/km

22%

95g/km

23%

Each additional 5g/km

1% increase

Max % charge 37% in all cases

37%

Fuel provided for private use

£24100

 

Financial and Economic performance of an airline report

This is a paper that is focusing on Financial and Economic performance of an airline. The paper also provides various questions to consider in doing the paper.

Financial and Economic performance of an airline

Guidance for preparing for Assignment 1
You need to organise your report so the Financial and Economic performance of the airline can be explained (analysis of the performance of the airline)
This document is simply a “check-list” to help you navigate through your annual report.
You cannot cover all of these points. This is simply guidance on some information you should try and look for to write your report.
Please refer to the assignment brief for precise instructions. You must also follow the brief.
1.      Firstly, explaining who your airline is
Firstly, current and passed situation
Secondly, passenger numbers (total and historical)
Thirdly, ASKs (total and historical) RPKs?
Fourthly, markets served (traffic per region, share of different regions?)
Lastly, fleet, long-haul and short-haul, average capacity

Average distance flown Base, major airports, serving regional airports mainly?
Point to point or connecting traffic?
Future situation
Fleet plan? Fleet renewal?
New markets to open?
Share of Economy class travellers?
Explaining the environment in which the airline is operating?
A brief PESTEL (and also how it would impact the airline’s Economics and Finance)
Has the airline got any competitors?

2.      Secondly, the cost and revenue performance of the airline: how well is the airline doing
Profit analysis
Firstly, current and past operating profit
Secondly, current and past bottom-line profit (after financial expenses and tax)
Thirdly, is the profitability improving or deteriorating? Can this be explained?

Revenue analysis

Passenger revenue: Level? Share?
Cargo revenue: Level? Share?
Ancillary: Level? Share?
Yield? Increasing? Decreasing? Why?
RASK, Increasing? Decreasing? Why?
CASK?
Average ticket price?
3.      Thirdly, the Debt and assets of the airline
Firstly, is the airline heavily in debt?
Secondly, is the airline able to borrow money?
Thirdly, how is the airline financing its assets?
Debt/equity ratio
Is the airline able to pay its short-term debt?
Current ratio (current assets/current liabilities)
Is there a risk that the airline may go bankrupt?
Conclusion:
Could be a SWOT (from an Economic and also finance perspective)

Printers Ltd. is a private limited company owned by 3 young family 

Printers Ltd. is a private limited company owned by 3 young family shareholders, who are also active directors of the company. The company specialises in high quality printing of reproductions of famous paintings and drawings and business has been thriving, such that expansion options are now being considered.

Printers Ltd. is a private limited company owned by 3 young family

The case: Printers Ltd.
Part A: (1500 Words)
Printers Ltd. is a private limited company owned by 3 young family shareholders, who are also active directors of the company. The company specialises in high quality printing of reproductions of famous paintings and drawings and business has been thriving, such that expansion options are now being consider ed. It owns its factory premises freehold, but has financed the purchase of the printing machines with a long term bank loan at floating interest rates, repayable over 5 years, 2 years remaining.

The company has seen improving profitability with increasing turnover, profit margins and liquidity ratios, although a small overdraft is normal at times.

An opportunity has arisen to diversify into art book printing, which will require the purchase of new printing machinery for £2m and an additional investment in working capital of £0.5m. These amounts will require additional finance for the company, as there is insufficient retain ed earnings represent ed by cash to make this investment.

At a recent meeting of the owners, the topic of this additional finance was discuss ed and various options consider ed. Three clear principles emerged from this meeting. The owners were not in a position to invest further funds themselves. There was reluctance to significantly raise the gearing level. Therefore the financial risk of the company, no loss of control of the existing owners would be considered.

Required:

As an independent advisor, prepare a report to the shareholders of Printers Ltd. Briefly outlining the financing alternatives the company has for financing this expansion. Also, bearing in mind the 3 desired principles mentioned above. Recommend with reasons viable financing alternatives, together with any implications, that are open to the company.

Part B: (1500 Words Equivalent)

Printers Ltd. has recently won a sizeable contract with a German publishing house to print a series of reproduction paintings for art galleries. The first receipt from Germany will be for 2m EUR in 6 months’ time.

In the light of the economic uncertainty and the likely exchange rate fluctuation, the financial director has asked for your analysis of basic hedging options. You have researched to the following data:

Sterling Spot rate: €1.2524 – €1.2575

Sterling 6-months forward rate: €1.2605 – €1.2631

Money market rates:

Annual rates: GBP EUR

Deposit 1.2% 0.5%

Borrow 3.5 % 2.5%

Required:

In the form of a memo to the Financial Director:

a) Firstly, Compare the financial outcomes of entering into a forward exchange contract and a money market hedge. Secondly, Clearly show all your workings and explain the calculations.

b) Thirdly, Comment on the result above and discuss any practical considerations in both hedging methods.

c) Lastly, Briefly discuss other hedging techniques/ instruments that could be use to manage the exchange rate risk of this transaction.

Components of a viable business plan-Communicate your

Create components of a viable business plan. Communicate your management, leadership, and communication skills for running and growing a business. Demonstrate techniques for analysing costs, preparing financial documents, and reporting requirements.

Components of a viable business plan-Communicate your

Firstly, create components of a viable business plan.

Secondly, communicate your management, leadership, and communication skills for running and growing a business.

Thirdly, demonstrate techniques for analysing costs, preparing financial documents, and reporting requirements.

Fourthly, design an effective strategy for marketing, customer service, selling, and relationship building.

Within the plan, indicate how you will be researching, securing, and managing financial aspects of the enterprise.

Lastly, include a plan for business operations that will ensure the business delivers on its promises to customers.

More details;

A viable business plan is based on a viable business model. Your business plan should outline ways that your company will produce and market its products and services to keep its customers satisfied and earn a sustainable profit. To determine whether a business idea can actually be viable, your business plan should present a value proposition. Then explore the details of potential market size along with product and distribution channels and cost structure.

Why Write a Viable Business Plan?

Your business plan is the road map to starting and running your business. The process of writing its text and generating its financials is an opportunity for you to think through details and hash out scenarios. You’ll never be able to accurately predict how things will actually unfold once you start your business, but if you take the time and make the effort to envision how your company could succeed and cope with adversity, you will be well positioned to set your ideas in motion.

In addition to being a vital thought exercise for your own planning, a viable business plan is a necessary tool for approaching lenders and investors. The individuals and institutions who will be able to provide access to the capital you’ll need will understandably want to make sure that your endeavor will be a worthwhile investment and that you’ll be able to repay any sums you borrow.

Role of Organizational Development Consultants for an organization

In this paper, we are to assume the role of Organizational Development Consultants for an organization (UVI Student Health Services) and we would need to provide an organizational development change recommendation to the organization based on a problem the organization has. More specifically we will need to describe how we would apply an 8-step action research model…

Role of Organizational Development Consultants for an organization

In this paper, we are to assume the role of Organizational Development Consultants for an organization (UVI Student Health Services) . Additionally, We would need to provide an organizational development change recommendation to the organization based on a problem the organization has. More specifically we will need to describe how we would apply an 8-step action research model . Also, a 4-frame analysis to recommend relevant organizational development interventions for the organization we have identified.

The organization we have chosen is the University of the Virgin Islands Student Health Services. We have to develop a 15-20 page organizational development intervention proposal for our client, the University of the Virgin Islands Student Health Services.

All background information on the organization is provided along with the OD proposal assignment instructions. Also, other reference documents need to be used as part of the paper sources/references.

Note:

In the OD proposal assignment instructions, it needs to have the introduction and brief history to the organization. (That is provided), along with seven (7) specific sections of this paper. For section two (2), ignore the brief biography of each team member (i.e. 1 paragraph description for each member), as I will insert that info after getting the final document. But please do provide the action research model and discuss the assumptions and philosophical approach to organizational development: discuss re-framing and how it can be helpful to the organization.

Statistical analysis of real data on a company’s stock returns

This is a paper that focuses on the statistical analysis of real data on a company’s stock returns. The paper also provides the activities to follow in writing the paper analysis.

Statistical analysis of real data on a company’s stock returns

1. Objective of the assignment:

To examine, using statistical analysis of real data, the impact of firm-specific information on a company’s stock returns. (Note that this assignment constitutes 100% of the assessment for the NBS8002 module.)

2. Three activities:

a) Selecting a public company for analysis, collecting relevant data, and also reviewing literature. (Proportion of Marks Allocated to this Activity: 10%)

You must select a single public company satisfying the following criteria:

Ø  The nature and dates of at least four significant (preferably related) information events occurring over a relatively short period of time (not more than eight months) can be identified.
Ø  Three years of continuous daily stock price data, beginning at least two years before the first information event and ending not less than three months after the final information event, are available for analysis.

Statistical analysis of real data on a company’s stock returns

Note:
1)      Firstly, each student must choose a different company and have their choice approved by me.

2)      Secondly, there are a variety of sources (e.g. public web information such as yahoo finance, financial times, London Stock Exchange, and university facilities: Bloomberg/Datastream at room 4.03 NUBS) from which you can collect the data (e.g. daily price and market index) you need for the assignment
b) Performing appropriate analysis of the impact of multiple information events on the stock returns of a public company

In order to focus solely on the impact of firm-specific information on stock returns, a control is needed to model daily returns conditionally expected from contemporaneous non-firm-specific information. The market model should be used as the control.

Suitable tests for coefficient stability, and for the validity of the Ordinary Least Squares assumptions, should in conduction, and also appropriate modifications to the estimation model as necessary.

The report should describe the nature of the information events for your chosen company, the hypotheses you test, any problematic data issues you encounter. (such as treatment of capitalisation changes, rights issues, dividends, suspension of trading etc). Also, how they were handle, your research design, interpretation of results and your conclusions.

Diversification strategies raise a wide range of strategic management 

Diversification strategies raise a wide range of strategic management issues. For this assignment, select a KSA company whose strategy includes or included diversification and explore their motives, competitive advantage, and strategic planning based on the topics from Chapter 12 and the assigned reading.

Diversification strategies raise a wide range of strategic management

Diversification strategies raise a wide range of strategic management issues. For this assignment, select a KSA company whose strategy includes or included diversification . Explore their motives, competitive advantage, and strategic planning based on the topics from Chapter 12 and the assigned reading.

Firstly, Identify and provide company strategic details and consider what circumstances existed that motivated this company to diversify.

Secondly, What mode of diversification did the company adopt?

Thirdly, How does this relate to their resources and capabilities?

Fourthly, What are the benefits of diversification in this industry. How significant are they in the shape and growth of the industry?

Further, What are the implications of the strategy chosen for the organizational structure, management systems, and allocation of decision making within the diversified firm?

Your well-written paper should meet the following requirements:

Be 5 to 7 pages in length, which does not include the title page or required reference page, which are never a part of the content minimum requirements.

Use Saudi Electronic University academic writing standards and APA style guidelines.

Support your submission with course material concepts;

principles, and theories from the textbook and at least two scholarly,

peer-reviewed journal articles unless the assignment calls for more.

It is strongly encouraged that you submit all assignments into the Turnitin Originality Check before submitting it to your instructor for grading. If you are unsure how to submit an assignment into the Originality Check tool, review the Turnitin Originality Check—Student Guide for step-by-step instructions.

Review the grading rubric to see how you will be graded for this assignment.

Three news articles that discuss the economic concept

Select at least three news articles that discuss the economic concept (Income inequality). At least one news article should be dated within the previous two months. Please note that the goal of this assignment is to read, understand, and discuss recent news using microeconomic terminology.

Three news articles that discuss the economic concept

Select at least three news articles that discuss the economic concept (Income inequality)
At least one news article should be date d within the previous two months.

Please note that the goal of this assignment is to read, understand, and discuss recent news using microeconomic terminology. The articles should be from an on-line newspaper or magazine. Materials posted on educational websites, like www.thebalance.com, www.khanacademy.org, and so on, are not considered news articles even if they were recently updated and contain material related to the term paper topic.

The Term paper should have the following structure:

1. Abstract (0.5 of a page) – the short description of the concepts, problems, questions discussed in the Term paper.
2. Introduction (0.5 of a page) (optional)

3. Literature Review (about 2 pages) – please compare and contrast the opinions of the authors of the articles, present the important information, data, statistics to support your conclusions. It is important that the Literature review is written in your own words with small quotes from the article. All quotes must have references in APA format.

4. Discussion (about 2 pages) – Your task for this part of the Term paper is to analyze the issue described in the articles using the economic concepts and theory learned in this class. Refer to the course content materials and use specific economic vocabulary within your term paper. The articles you choose may not use these exact terms; therefore, it is incumbent upon you to convert the article language into economic language as is appropriate. Include at least one graph developed in our course.

5. Conclusion (0.5 of a page)

The Term paper should be the title page and sub-titles that correspond to the structure described above.

Please note you can use short quotes from the article(s) to support your statements. However the size of these quotes should be reduce d to minimum. No more than 20% of the text of the term paper should be made up of quotes. (Less is better!!!).

Please also avoid copying the materials from any textbooks, including our textbook.
Please be aware that Wikipedia, Investopedia, and other on-line dictionaries and encyclopaedias are not verifiable sources of reliable information, and should not be used in the Term paper. Acceptable sources of the information are: research papers, newspaper articles, and books.

Format of the Paper:

Written projects must be:
1. typed, double-spaced, in 12-point Times New Roman or Arial font, with margins no wider than one inch
2. Also, Have footnotes or endnotes, with correct citations
3. Further, Have a bibliography of sources used
4. Lastly, Include, for each entry, the author, title, city and state of publisher, publisher’s name, year, and page numbers

Which trading position is created by short straddle and long strangle

This is an assignment that focuses on demonstrating which trading position is created by short straddle and long strangle. The paper also requires a working, final profit and loss diagram.

Which trading position is created by short straddle and long strangle

Your task, as the recently recruited PWC’s Quant Analyst, is to provide a thorough analysis of the following parts:
(1)    Firstly, the price of a non-dividend paying stock is $29, its volatility is 30%, and the risk free rate for all maturities is 5% per annum.
Construct a table showing the relationship between profit/loss and stock prices.  Select only one strategy, depending on your group selection.
table in the attachment below
(1)    Secondly, three options (put) on a stock have the same expiration date and exercise prices of $55, $60 and $65.  The option prices are $13, $15 and $18.  Demonstrate for which range of prices would a butterfly spread lead to a loss.  Show clearly your workings.

(2)    Thirdly, assuming that the strike price in a straddle is half way between the two strike prices in a strangle, demonstrate which trading position is created by combining a short straddle with a long strangle, when both have the same time to maturity?  Clearly show your working and final profit and loss diagram.
Although it’s a take home assignment, just be aware that plagiarism is a form of cheating.  The penalty for plagiarism is a mark of zero and possible expulsion from the unit and/or course of study.
For those aiming a higher grade in the project, you should be able to demonstrate your finance skills through various concepts learnt through the course.  Your work experience can add value as well, if appropriate.

Maximum number of students per group: 6
Grade Allocation: 25% of your total course grade.  There will be 15% allocated for the report and also 10% allocated for presentation.

Based on the industry of your choice consider the role of labour

Based on the industry of your choice consider the role of labour, consumption and technology in the process of globalization. In your essay you should consider only one industry, e.g.: extractive, agro-food, clothing or automobile (covered by lectures). You can also focus on other industries, if you are finding them interesting, e.g.: electronics, finance or logistics.

Based on the industry of your choice consider the role of labour

Based on the industry of your choice consider the role of labour, consumption and technology in the process of globalization
Aim of the essay
In your essay you should consider only one industry, e.g.: extractive, agro-food, clothing or automobile (covered by lectures). You can also focus on other industries, if you are finding them interesting, e.g.: electronics, finance or logistics.
Each industry is made of transnational corporations; these want to globalize – to be present on the global market. The main task of this essay is to examine the factors which are contributing to the globalization of the industry:
– Labour or workforce,
– Consumption and
Technology.
Structure of the essay

Introduction:
You should briefly outline the chosen industry with its main characteristics (this could include the main features of the production circuit, the size of companies, and role of the state or the chosen industry’s importance for the global economy).

Analysis (main body):
You should explore the challenges, but also opportunities, posed by these factors. In other words, to what extent technology, labour and consumption can help (or hinder) certain industries going global. There will be, of course, different level of emphasis on labour, consumption and technology in different industries. It is also very important to recognise whether the industry is more capital or labour intensive. In your analysis you can use examples or cases of companies.

Conclusion

Additionally, Restate your focus by emphasising on the key points, drawing together the threads of your work. Try to evaluate the overall impact of labour, consumption and technology on the globalization of your chosen industry.

Sources
Finally, Each industry will have a different list of sources. Corresponding chapters in Global Shift contain an extensive list of references (Chapters 12-15). Please check Online Library for additional sources
(Journal and newspaper articles, books and reports). Companies’ websites can be a useful source of information, too.