Note: To be considered complete, all written assignments must include proper citations within the body of the paper as appropriate, as well as a Reference page. Failure to cite outside sources is plagiarism and will be treated as such! You must also include a title page. Do not include pictures or graphics. All documents must be in Word format and placed in the Dropbox by the assignment deadline. Paper mechanics must also be followed as outlined below.
Description & Scenario
You are an HRM Consultant who was hired to provide some analysis and strategic recommendations based on data pulled from your client company. From the data provided in the following pages titled HRMIS Reports, you will be providing analysis and strategic recommendations.
Criteria
You have been given five HRMIS reports containing data about your client company. From these reports, you will provide the following two components of information to your client.
1.Analysis: After reviewing the data pulled from the client’s HRMIS system, you are asked to tell your client what the data means. In other words, analyze the information, identify patterns, and conduct an assessment to share your conclusions with your client.
2.Strategic Recommendation: Now that you’ve provided some conclusions, what recommendations would you provide to this company? Thoroughly validate those recommendations. For example, what patterns can you identify from the reports? Would you recommend additional HRM function automation? Explain why.
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Joseph Farms, Inc. is a small firm in the agricultural industry. They have asked you to help them complete the limited data they have gathered in an effort to enable effective decision-making. Some work can be done using MS Excel but it must be copied to an MS Word file for the final submission of this assignment. To assist Joseph Farms, Inc., respond to the following:
Using MS Excel or a table in MS Word, complete Table-1 (Joseph Farms, Inc., Cost and Revenue Data).
Assume that the price is $165.
Assume the fixed costs are $125, at an output level of 1.
Assume that the data represents a firm in pure competition.
Show your calculations.
Explain the MC=MR Rule. Describe the market structures to which this rule applies.
Create a chart to illustrate the data in Columns 9 and 10.
Describe the profit maximizing (or loss minimizing) output for this firm. Explain why or why not there is an economic profit?
Explain why a firm in pure competition is considered to be a “price taker.”
(Assignment continues below Table-1.)
Table-1: Joseph Farms, Inc., Cost and Revenue Data
Column 1
Column 2
Column 3
Column 4
Column 5
Column 6
Column 7
Column 8
Column 9
Column 10
Column 11
Output Level
Price per unit
Total Fixed Cost
Total Variable Cost
Total Cost
Average Fixed Cost
Average Variable Cost
Average Total Cost
Marginal Cost
Marginal Revenue
Total Revenue
0
$ –
NA
1
$ 113.00
2
$ 213.00
3
$ 300.00
4
$ 375.00
5
$ 463.00
6
$ 563.00
7
$ 675.00
8
$ 813.00
9
$ 975.00
10
$ 1,163.00
Using the data in Table-1 (Joseph Farms, Inc., Cost and Revenue Data), complete Table-2 (Joseph Farms, Inc., Revenue/Profit/Loss Data). Show your calculations in summary form.
Using the completed data in Table-2 (Joseph Farms, Inc., Revenue/Profit/Loss Data), Identify the break even output level for this firm.
Table-2: Joseph Farms, Inc., Revenue/Profit/Loss Data
Output Level
Price
Total Revenue
Total Costs from Table 1
Profit or Loss
0
1
2
3
4
5
6
7
8
9
10
Save your MS Word file including your graphs or charts using the filename
Assignment 2 Grading Criteria
Maximum Points
Accurately calculated cost data (total fixed, total, average fixed, average variable, average total, and marginal) and revenue data (marginal and total) for output level ranging from 1 to 10 in Table-1. Showed calculations in summary form. Correctly assumed data represented a firm in pure competition. (40 points)
Completed Table-1 as Microsoft Excel spreadsheet or Word table. (8 points)
48
Explained the MC=MR Rule. (12 points)
Identified market structures the MC=MR Rule applies to. (8 points)
Explained why MC=MR Rule applies to these market structures. (12 points)
32
Graphed all the data in column 9 of Table-1 (marginal cost) as curves in Microsoft Excel. (8 points)
Graphed all the data in column 10 of Table-1 (marginal revenue) as curves in Microsoft Excel. (8 points)
16
Explained the profit maximizing (or loss minimizing) output for Joseph’s Farms, Inc. (14 points)
Explained whether or not there is an economic profit for Joseph’s Farms, Inc. (14 points)
28
Explained why a firm in pure competition is considered to be a “price taker.”
28
Accurately calculated price, total revenue, and profit or loss data for output level ranging from 0 to 10 in Table-2 using data from Table-1. Showed calculations. (10 points)
Completed Table-2 as Microsoft Excel spreadsheet or Word table. (2 points)
12
Accurately calculated the break-even output level (break-even point) for Joseph’s Farms, Inc. using data in Table-2. Showed calculations.
16
Style (4 points): Tone, audience, and word choice.
Usage and Mechanics (4 points): Grammar, spelling, and sentence structure.
APA Elements (12 points): In text citations and references, paraphrasing, and appropriate use of quotations and other elements of style.
20
Total:
200
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800-900 words as Starbucks Coffee Company as the business entity
It is time to draft the employee communication plan for your company. Using the information that you gathered from Weeks 1–3, include the following information in your strategic plan:
Company synopsis: This is a snapshot of the company, what it sells, and the number of employees.
Management’s philosophy on employee communication: An example of a management philosophy could be that any important communication about the company’s activities are shared internally before being shared externally on the Internet or in a news release.
Goals of the communication plan: One possible goal could be to help employees be more productive by establishing a clear and effective employee communication plan. The plan can be viewed as an organizational diagnostic that provides employees with consistent, accurate, and regular information about the company’s business goals and objectives.
Target audience characteristics: The plan should take into account cultural, gender, and linguistic differences to help employees understand the goals of the organization.
Communication tools: These can include various deliverables, including e-mails, newsletters, e-blasts, brochures, reports, conferences, employee meetings, and more.
Communication channels: Communication channels include internal and external Web sites, public relations venues, visits or speeches from management, and more.
The materials found in the MUSE may help you with this assignment such as the article Communication and Multimedia Platforms.
Also, include information on crisis communication. Develop a policy of 200–300 words the describes how the company will communicate negative information about employees or other organizational concerns.
Provide 4–5 sources from outside of your textbook to support your answer. Use APA style for citations.
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Please replied to my classmates post for example you might start hello nice post ….
POst 1: Asley wrote this:
Nature Made vitamins are regulated for their ingredients. As far as OTC meds go there are regulations for safety but the claim that a vitamin provides a certain benefit is not evaluated by the FDA. If you look on a bottle of vitamins it says ‘statement not evaluated by the FDA. Prescriptions require trials to prove safety and effectiveness. YES regulations (for substances that I will ingest) are wonderful. You can trust that these products have quality ingredients that have been tested for safety coming together in a product whose efficacy has been tested also.
Post 2: Rachel wrote this:
I was given the score of 5/10 on the FDA’s cosmetic quiz. I feel very uneducated about regulations. I was shocked that cosmetics can use basically any ingredient they want. I was also shocked that cruelty free means that the ingredients can be tested on animals as long as the main product is not. I feel that I need to educate myself much more on cosmetic and other regulations to better understand what I am buying for myself.
Identify another consumer product that is regulated (it does not have to be regulated by the FDA)
Tobacco and tobacco products are regulated by the FDA: “Tobacco use is the single largest preventable cause of disease and death in the United States. Since 2009, FDA has regulated cigarettes, smokeless, and roll-your-own tobacco. FDA finalized a rule, effective August 8, 2016, to regulate all tobacco products” (FDA, 2016). The FDA does not regulate tobacco the same way they regulate medical products, food, or even veterinary equipment:” FDA evaluates new tobacco products based on a public health standard that considers the risks and benefits of the tobacco product to the population as a whole, including users and nonusers” (FDA, 2016). Tobacco products are barely regulated because of how generally bad they are for people.
What similarities or inconsistencies are there between the two products?
They can both pretty much use any ingredient in their creation process. The tobacco regulations are very lenient. The production of cosmetics is not as regulated as I original thought, but it is definitely more regulated than the tobacco industry. Cosmetics is somewhat a broad category: “The FDA’s definition of cosmetics includes substances and preparations for cleansing, altering the appearance of, and promoting the attractiveness of a person” (Cheeseman, 2016). Tobacco products are anything that has tobacco in it which is very specific.
Do you think regulation is a good thing or bad thing, why or why not?
I think that regulations are very important. Many people do not read labels or actually bother to look into items they buy for their families. People rely on the FDA to make sure that food, cosmetics, and medical devices are safe for people to use. The FDA is responsible for trying to reduce the use of tobacco in minors: “FDA also has responsibility for regulating the manufacturing, marketing, and distribution of tobacco products to protect the public health and to reduce tobacco use by minors” (FDA, 2016). Overall, I believe that regulating any item that is used or consumed by people should be regulated for overall safety.
What conclusions can you draw from your analysis?
My conclusion is that I thought I was much more informed as to what is regulated in the cosmetic industry. I assumed the tobacco industry was not well regulated because it is based around people voluntarily inhaling smoke and chemicals. What I was shocked about, is the lack of ingredient usage in cosmetics. Regulations are a very important part of our society. Without any standard, any crazy person can sell any item and claim it does anything that suites them best,
Post 3: Christopher wrote:
As of 2010, approximately 57 Americans have some type of disability (DiNitto & Johnson, 2016). In government and public policy, disability programs predominately concern “education, employment, housing, and cvil rights” (DiNitto & Johnson, 2016). The public consensus of disability programs has changed in recent decades by becoming more politicalized and controversial. Disability is evaluated differently than that of poverty, and does not receive the same recognition by the U.S. Census Bureau (Proctor, Semega, & Kollar, 2016). While it is true that a disabled person may not necessarily be poor, they are more likely to be low-income. For this reason, the disabled should generally be included in official poverty statistics.
Major government statutes, such as The Rehabilitation Act and The Americans with Disability Act, have prohibited workplace discrimination and provided equal work opportunities to disabled persons. Social Security and its respective social insurance programs, such as Supplemental Security Income (SSI), and Social Security Disability Insurance (SSDI) have established needed compensation benefits to eligible disabled persons. Another benefit system, the Department of Veterans Affairs (VA), covers both temporary and permanent disabilities to military veterans (DiNitto & Johnson, 2016).
In considering federal budgetary restraints, programs such as Social Security, have shown to partially contribute to higher deficits, since there is more spending on the program’s benefits than there is in its tax rates (Robertson, 2015). When prioritizing spending and ensuring that the disabled are provided for, there should be somewhat counter-balance of liberal and conservative ideals. First, Social Security payroll taxes should be raised to ensure that SSI and SSDI can be adequately funded. This includes raising the cap on Social Security so that the wealthy, or those making over $118,500 a year, can contribute more to the program (Robertson, 2015). Also, spending cuts in other areas, such as defense, should take place in order to strengthen social welfare and reduce deficit spending. In addition, to help reduce the “welfare inventive,” independent living centers (ILCs), volunteer initiatives, and non-profit groups should be embraced. This helps to accommodate for people with severe disabilities, while taking some of the “cost burden” off of government.
References
DiNitto, D.M., & Johnson, D.H. (2016). Social Welfare: Politics and Public Policy. (pp. 153-187, 195-226). Austin, TX: Pearson Education, Inc.
Robertson, L. (2015). Sanders Misleads on Social Security. FactCheck
Post 4: Chad wrote this
Yes, I believe individuals whom are disabled should continue to be classified in society as its own protected group. Many of the disabled qualify for public assistance and benefits under the SSA, and their a numerous government programs put in place to assist them in bettering their lives and becoming more independent such as Vocational Rehabilitation and Employment Services, Plan to Achieve Self-Support (PASS), Ticket to Work, and Individuals with Disabilities Education Act. However, the majority of the disable population in America still lack stability and depend on support to go about their daily lives, and without that support they would be far from self sufficient.
I don’t think all disabled individuals receiving assistance should be grouped as impoverished because many of them are not. Most retired workers qualify for social insurance under the SSA and have contributed to the program for most of their adult working lives, and are more than likely being financially supported by their individual pensions, and savings and investments as well. However, I do think think individuals whom are disabled, receiving public assistance, and cant hold employment should be included with official poverty statistics of the country because citizens tax dollars greatly support their livelihood. I think the Social Security benefits under the SSA should remain a public program controlled by the federal government and its continued funding is paramount to the well being of society. I think each generation has a duty to support the current aging generation that came before them. I think taxes should be raised fairly across the labor market to ensure each tax bracket is providing a adequate support to maintain the funding and sustainability of the SSA.
Dear writer what would you replied to these classmates
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Read “Case 15.3 Free Enterprise Fund v. Public Company Accounting Oversight Board” in Ch. 15 of the text. (I attached the case in the word doc here)
Write a paper of 700- to 1,050-words in which you answer the following:
If auditing of financial statements is required for the protection of public investors, should not all PCAOB members be taken from the investment community that uses audited financial statements? Why or why not?
How does the decision in this case impact the validity of the Board and other provisions of the Sarbanes-Oxley Act?
Format your paper consistent with APA guidelines.
Include Introduction and conclusion sections in the paper
Cite at least 3 peer-reviewed sources.
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Topic is Ethical issue in criminal justice Juvenile system begin developing your white paper. The Partial Draft of the white paper comprises the following sections:
II. Definition of Need (3 to 5 pages)
Define the problem or need related to public safety. This problem or need should be related to your specific discipline (criminal justice, homeland security, or emergency management).
Describe the significance of the problem or need related to public safety.
Describe how the problem or need manifests itself. In other words, what are the symptoms that occur (the public safety incidents) because of the problem or need?
Evaluate impact of multiculturalism and diversity within the context of the needs analysis.
Relationship to Competencies and Scoring Guide Criteria
In addition to demonstrating your ability to think critically about public safety issues, and communicate effectively, this section demonstrates your ability to manage causes and threats to public safety and to evaluate the impact of multiculturalism and diversity on the public safety discipline.
III. Proposed Solution (4 to 6 pages)
Outline your solutions to the problem or need.
Describe how, when, and with what resources the solutions will or should be implemented.
Describe in detail the methodology to be implemented in the solution of the problem.
Evaluate impact of multiculturalism and diversity and incorporate related considerations into the proposed solution.
Include a title page and a reference list of any references cited in the partial draft.
Refer to the White Paper Structure for a detailed description of what to include in each section of your white paper.
White Paper Presentation
Prepare a 10- to 15-slide PowerPoint presentation that educates your audience on key elements of the topic of your white paper, focusing particularly on associated issues of multiculturalism and diversity.
Summarize the key points of your white paper (5–10 slides):
Introduce the topic to be covered.
Define why the issue is a problem or need related to public safety.
Describe how you would address the problem; what is your solution?
Including personnel, define the resources that will be needed to implement your solution.
Explain how your proposed solution would benefit public safety.
Describe how your solution will be evaluated.
Demonstrate how you have integrated considerations associated with multiculturalism and diversity into your white paper (5 slides):
Evaluate the impact of multiculturalism and diversity on the public safety discipline in general, and on your need or issue in particular.
Describe how you integrated considerations of multiculturalism and diversity into your proposed solution. Be sure to consider issues of public communication in this section.
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Research and analyze global financing alternatives and write a paper to:
Describe the methods for sourcing equity funds from the global financial market. Form a table that would assist a multinational manager in summarizing the options with characteristics of each option.
Summarize the methods for sourcing debt funds from the global financial market. Form a table that would assist a multinational manager in summarizing the options with characteristics of each option.
Define and assess the cost of capital in a global context verse a domestic environment. Describe some of the reasons why the optimal capital structure might differ for a multinational firm. Discuss the role of the demand for foreign securities and the evidence of the cost of capital for multinationals verse domestic forms.
Support your paper with at least five (5) resources. In addition to these specified resources, other appropriate scholarly resources, including older articles, may be included. Your paper should demonstrate thoughtful consideration of the ideas and concepts that are presented in the course and provide new thoughts and insights relating directly to this topic. Your response should reflect scholarly writing and current APA standards.
Length: 5-7 pages (not including title and reference pages).
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You should begin working on the Stand-Alone Project early in the course. Each lesson provides a benchmark for completing the Stand-Alone Project in a timely manner while working through the course. You will find this information in the “Stand-Alone Project Benchmark” section of each lesson.
Project Overview
This financial statement analysis requires you to make a specific decision about Apple Computer, Inc. in January 2003. You should base your decision on the information available through December 2002, which can be found in Supplement I and Supplement II, and Appendix A of your text. Use Dell’s and Gateway’s financial data to benchmark Apple’s performance in this case analysis.
Situation: You are a senior loan officer at a multinational bank. Apple Computer’s chief financial officer, authorized by the company’s Board of Directors, has applied for a ten-year note in the amount equal to one-fourth (25%) of existing shareholders’ equity as of December 31, 2002. The company seeks financing for long-term asset expansion. Terms call for interest at the prime rate plus one percent payable annually at December 31, with principal repayment when the note comes due in ten years (January 2013).
Decision: Your task is to make a recommendation to approve or reject Apple’s application to the bank’s loan committee. Your recommendation should be based on a thorough examination of Apple’s financial statements, their components (e.g., cash flow analysis), related disclosures, performance relative to the competition, state of the economy, and industry conditions.
Decision Report Format: Your recommendation should include a comprehensive analysis of Apple Computer, its competitors (Dell and Gateway), and the industry. The first page of your paper should be a one-page “executive summary” addressed to the loan committee containing your recommendation and its justification. The remainder of the paper should contain the analysis that led to your conclusion. There is no page limit on the paper’s appendices. The appendices should contain all worksheets, charts, tables, and so forth that support the positions and recommendations in your paper.
Your Stand-Alone Project responses should be both grammatically and mechanically correct and formatted in the same fashion as the project itself. If there is a Part A, your response should identify a Part A, etc. In addition, you must appropriately cite all resources used in your response and document them in a bibliography using APA style. (280 points) (A 10-page, double-spaced, narrative response plus appendices are required.)
Project Guidelines
This case focuses on your decision-making process. Either conclusion is valid as long as your recommendation is consistent with your analysis of the data. Use the following criteria as a guide in framing your responses.
This case analysis, like all cases, contains abstractions of reality and simplified assumptions. Use the facts of the case as given in conducting your analysis. Resist the temptation to dispute the facts or assumptions. Also, refrain from modifying them to suit your interpretation of reality. (For instance, do not state that the note’s structure or interest rate is unrealistic and then proceed to modify them.)
In Lessons 3 through 6, you will analyze specific financial statement components (e.g., short-term liquidity). You will then apply your analysis to determine whether Apple has sufficient current assets to meet maturing obligations and base your conclusions on your interpretation of the data. Remember, analysis requires attaching meaning to the information. In other words, it is far more than reciting trends in ratios over time.
The following project parts facilitate your paper’s composition, as discussed in the “Decision Report Format” above. Your Stand-Alone Project paper should address the following issues and should do so in a seamless, integrated fashion rather than presenting a series of independent responses to the issues raised and questions asked in the lesson benchmarks. (Remember that you will not be able to begin this project until you have completed Lesson 1.)
Part A
Begin your financial report on Apple Computer by analyzing Apple, Dell, and Gateway. (28 points)
1.
Determine the requested loan amount (rounded to the nearest million) and its interest rate.
2.
Make a preliminary assessment of the financial condition and performance of Apple, Dell, and Gateway. Begin by comparing the common sized data of the latter two (2) companies’ income statements and balance sheets from 1999-2002 to that of Apple’s financial statements you created in Lesson 1.
3.
Analyze the revenue growth of each of the three (3) firms, their net income as a percentage of sales, current assets as a percentage of total assets, and liabilities as a percentage of total assets from 1998 through 2002.
Part B
Examine the global economy as it impacts the computer industry. (30 points)
1.
Discuss the impacts of global, economic and industry conditions on the personal computer industry through 2002.
2.
Classify the industry as either an emerging, growing, mature, or declining segment of the economy.
3.
Compare and contrast Apple’s products and markets with those of Dell and Gateway.
4.
Determine if each firm files consolidated financial statements and discuss the analytical implication associated with the companies’ fiscal years. Identify the type of audit report each company received in its 2002 Form 10-K filing and discuss the implications of that report on the credibility of the firms’ financial disclosures.
5.
Compare and contrast inventory costing, methods of depreciation, and revenue recognition policies for Apple, Dell, and Gateway. Identify which of those three (3) accounting policies (inventory costing, depreciation methods, or revenue recognition) would be more important than the other two in influencing your loan recommendation.
Part C
Look at the financial stability of all three (3) companies by analyzing their liquidity rates. (54 points)
1.
Add the short-term liquidity ratios for Dell and Gateway to Apple’s short-term liquidity ratio charts that you created in Lesson 3. Use the 1999-2002 ratios contained in Supplement II for Dell and Gateway and their 1994-1998 ratios presented in Appendix A (page 346 of your textbook) to accomplish this task.
2.
Analyze Apple’s short-term liquidity. Be sure to discuss each of the seventeen (17) liquidity measures.
3.
Compare Apple’s short-term liquidity measures with those of Dell and Gateway. In doing so, you should determine if the data indicate that Apple has historically been able to meet its maturing obligations, and then project whether it will be able to do so in the near future.
4.
Discuss whether technical adjustments for LIFO reserves or LIFO liquidation are necessary. (Ignore other technical adjustments, such as substituting purchases for cost of goods sold in computing accounts payable turnover.)
Part D
In addition to liquidity rate, cash flow is an important indicator of a company’s financial stability. For that reason, analyze the cash flow of all three (3) companies. (37 points)
1.
Add the cash flow ratios for Dell and Gateway to Apple’s cash flow ratio charts that you created in Lesson 4. Use the 1999-2002 ratios contained in Supplement II for Dell and Gateway and their 1994-1998 ratios presented in Appendix A (page in your text) to accomplish this task.
2.
Analyze Apple’s cash flow. In doing so, you should determine whether the data indicate that Apple has historically been able to sufficiently and efficiently generate cash, and then project whether it will be able to do so in the near future, given its life cycle stage.
3.
Compare Apple’s cash flows with those of Dell and Gateway.
Part E
Analyze the assets and operating performance of each company. (35 points)
1.
Add the asset utilization ratios for Dell and Gateway to Apple’s asset utilization ratio charts that you created in Lesson 5. Use the 1999-2002 ratios contained in Supplement II for Dell and Gateway and their 1994-1998 ratios presented in Appendix A (page 346 in your text) to accomplish this task.
2.
Analyze Apple’s operating performance and asset utilization. In doing so, you should determine if the data indicate that Apple has historically generated quality earnings and produced adequate investment returns, and then project whether it will be able to do so in the near future.
3.
Compare Apple’s operating performance and asset utilization with those of Dell and Gateway.
4.
Discuss whether technical adjustments should be made to returns on assets and equity. (Do not make the numerical adjustments if you think they are necessary.)
Part F
Combine some of your prior research and begin thinking seriously about whether Apple Computers should get the loan. (66 points)
1.
Add the capital structure ratios for Dell and Gateway to Apple’s capital structure ratio charts that you created in Lesson 6. Use the 1999-2002 ratios contained in Supplement II for Dell and Gateway and their 1994-1998 ratios presented in Appendix A (page 346 in your text) to accomplish this task.
2.
Analyze Apple’s capital structure. In doing so, you should determine if the data indicate that Apple has historically achieved an acceptable balance between debt and equity financing, and then project whether it will be able to do so in the near future.
3.
Compare Apple’s capital structure with those of Dell and Gateway.
4.
Compute and compile Apple’s January 1, 2003 pro forma balance sheet assuming the loan is made on that date.
5.
Calculate optimistic, likely, and pessimistic 2003 pro forma income statements for Apple. Assume the loan took place on January 1, 2003; income statement line items increase by 10% (optimistic), 5% (likely), and 1% (pessimistic) from their 2002 amounts; there are no unusual, nonrecurring items, or irregular items that occur in 2003; and the effective income tax rate is 25%.
6.
Compute Apple’s 2003 earnings coverage ratio (times interest earned ratio) under the optimistic, likely, and pessimistic income scenarios. Comment on Apple’s ability to cover interest incurred from the January 2003 loan. (Ignore interest expense on other loans in making the calculations.)
7.
Regardless of your pro forma income statements, forecast a $.25 EPS range for Apple in 2003 (e.g., earnings will range from $.35 to $.60 per share). Justify your estimated range.
8.
Based on your EPS forecast, project Apple’s 2003 price to earnings ratio with a range of five (e.g., the P/E ratio will fall between 15:1 and 20:1). Justify your estimated range.
9.
Rank order Apple, Dell, and Gateway from highest to lowest in terms of EPS and price to earnings forecasts for 2003.
Part G
Write an Executive Summary explaining your position on Apple’s loan in light of the analysis you have done throughout the course. (30 points)
1.
Discuss the major points concerning the computer industry as a whole that the bank would have to consider in making this loan.
2.
Discuss four (4) factors disfavoring the granting of the loan.
3.
Discuss four (4) factors favoring the granting of the loan.
4.
Write a conclusion that states your loan recommendation and includes your rational for the recommendation.
I HAVE ANSWER FOR THIS PROJECT WHICH IS CONSIDERED AS A POPULAR ANSWER ON THE INTERNET SO IT IS PLAGIARIZED. I HAVE NO ANY OTHER CHANCE IN MY COURSE FOR PLAGIARISM
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