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    Databases and financial institutions.

    I need help analyzing the use of databases in a large bank/collection call center. I need examples and descriptions of known database applications that are used (Microsoft Access, DB2, Oracle, etc.) or some that could be considered to help the organization run smoother. For the known applications, I need to propose improvement

    Finance Concepts

    Bernie and Pam Britten are a young married couple beginning careers and establishing a household. They will each make about $50,000 next year and will have accumulated about $40,000 to invest. They now rent an apartment but are considering purchasing a condominium for $100,000. If they do, a down payment of $10,000 will be requi

    Solve: Stock Prices

    Pigeon Express currently plows back 40 percent of its earnings and earns a return of 20 percent on this investment. The dividend yield on the stock is 4 percent. 1. Assuming that Pigeon can continue to plow back this proportion of earnings and earn a 20 percent return on the investment, how rapidly will earnings and dividends

    Risk analysis for investment

    You believe Dr. Washington is now ready to begin risk analysis and is ready to understand the risk differences among various investments. The most basic fact you want to convey to him is risk and return?the greater the risk, the greater the expected return. From there, you want to explain how expected returns can be calculated g

    I do not understand the following can you briefly explain?

    When Maria was considering buying the peanut butter cookie plant, one of her options was to convert it to make more lemon crème cookies, since near-term demand for the lemon crème cookies exceeded current capacity by 600,000 packs. What should Maria have done if the breakeven volume of lemon crème cookies in this new plant we

    Breakeven Analysis

    Nummer electric company can make a product in-house or outsource it. The fixed cost to produce it in-house is $72,000 abd each item costs $420 to produce. If out-sourced each item will cost $600. The items sell for $800. Which is more profitable if the expected sales level is 200? Which is more profitable if the expected s

    Finance Concepts

    Nancy Tai has recently opened a revolving charge account with MasterCard. Her credit limit is $1000, but she has not charged that much since opening the account. Nancy hasn't had the time to review her monthly statements as promptly as she should, but over the upcoming weekend, she plans to catch up on her work. In reviewing

    Which statement is correct for private placement?

    Which of the following statements is most correct? a. In a private placement, securities are sold to private (individual) investors rather than to institutions. b. Private placements occur most frequently in stock issues, but bonds can also be sold by private placement. c. Private placements are convenient for issuer

    Xtreme Toys

    (See attached files for full problem description) --- Xtreme Toys is a small manufacturing company in Southern California. Management is concerned because as their sales have grown, their cash flow has shrunk. Management doesn't understand how this could happen and has approached your team to find a solution for th

    Treasury bonds

    Create a document explaining what would happen to the US money supply if the Fed sold $100 billion in Treasury bonds. Please provide an example.

    Changes in banking

    Discussing changes in the financial services sector. Put particular focus on major changes in banking laws, how the Internet is impacting the industry, industry consolidation, and international banking.

    Cost Management Problems

    Dear BrainMass Staff: Thank you very much in advance to the OTA. who can help me with these problems. For this study guide please do all the required problems in the attachments. The problems that must be completed are: 8-45 9-54 12-53 13-43 14-49 Once again thank you for your help. If any OTAs have any questio

    Importance of research to business

    I specialize in solving business problems based on research and evaluation. I have just been hired by the new president of Playword Greeting Cards, an established company that sells greeting cards and collectibles to its own line of company-owned and franchise stores. The president wants my firm to research the causes of a downt

    Non constant growth stock

    Please help with the following problem. The dividend per share in one year is $2. In year two it is $4 a share. Then the dividend will grow at 5% per year after that. The expected rate of return is 12%. a What is the current stock price? b. What is the expected price of the stock in one year? c. The expected r

    Financing mix earnings leverage

    Company A is equity financed with 10000 shares of equity outstanding selling for $100 a share. It is restructuring. Low debt plan is to issue debt of $200,000 with proceeds to buy the stock. The high debt lan would exchange $400,000 of debt for equity. The debt will pay an interest rate of 10%. Company A pays no taxes. a


    I saw on the news that the Dow Jones Industrial Average was down 100 points and that the NASDAQ was up 10 points." What exactly are the Dow Jones Industrial Average and the NASDAQ, and how can one be up and the other be down?

    Financial Analysis

    1. Why might a multinational corporation decide to borrow in a country such as Brazil, where interest rates are high, rather than a country like German, where interest rates are low? 2. What does it means to say that the dollar is a depreciating with the respect to a foreign currency? For a U. S. Consumer of foreign goods

    Financial Analysis

    1. Net income is $55,000, dividends paid are $8,000; what is the dividend pay-out ratio? 2. You own 200 shares of Easy stock that has a current market price of $25/share. What is the value of your holdings after a 15% stock dividend if the stock price per share remains unchanged? 3. If the value of one currency goes d

    Find the missing amount for additional investment

    Given the following information, find the additional investment for Winger Company - January 1, 2005 Assets $75,000 Liabilities $50,000 Owner's Equity $25,000 December 31, 2005 Assets $95,000 Liabilities $55,000 Owner's Equity $40,000 Owner's equity changes in one year Additional Investment ? Dr

    Inventory Management and Average Cash Balance

    Throughout the course of the year, my various projects will require a total amount of cash of $4,000,000. The interest cost for this requirement is 9.75%, while each transaction costs $100 to complete. What is my EOQ? How often should I order? What is my average cash balance? What is my total cost through the course of the year?

    Capital Structures for Pulp Paper Company and Holt Company

    Pulp Paper Company and Holt Paper Company are able to generate earnings before interest and taxes of $150,000. The separate capital structures for Pulp and Holt are shown below: Pulp Holt Debt @ 10% $ 800,000 Debt @ 10% $ 400,000 Common stock, $5 par 700,000 Common stock, $5 par 1,100,000 Total $1,500,

    Economics/finance questions

    2. Johnson Electronics is considering extending trade credit to some customers previously considered poor risks. Sales would increase by $100,000 if credit is extended to these new customers. Of the new accounts receivable generated, 10 percent will prove to be uncollectible. Additional collection costs will be 3 percent of sale

    Financial Analysis

    19 Constant-Growth Model. Here are data on two stocks, both of which have discount rates of 15percent. Stock A Stock B Return on equity 15% 10% Earnings per share $2.00 $1.50 Dividends per share $1.00 $1.00 What are the dividend payout ratios for each firm. What are the expected dividend growth rates firm wha

    Common Stock Value

    A company will pay a dividend of $1.50 per share in the next 12 months (D1). The required rate of return (Ke) is 10% and the constant growth rate is 5%. a. Compute P0. (For parts b, c, and d in this problem all variables remain the same except the one specifically changed. Each question is independent of the others.) b.

    Preferred Stock Value

    There is a fixed dividend of $6 per share. With the passage of time, yields have soared from the original 6% to 14%: What was the original issue price? What is the current value of this preferred stock? If the yield on the Standard & Poor's Preferred Stock Index declines, how will the price of the preferred stock be aff

    Financial Management and Payroll

    You walk into a new job and find that there are hundreds of accounts payable checks sitting in drawers. At this point you have no idea how much cash is available and you must meet a payroll of $100,000 in 2 days. Where would you start? What would you do?

    Short-Term Financial Management Decisions

    Vineet you posted a response on March 5 2006 pertaining to short Term Financial Management (see below). One of the questions asked was: will the company need any outside financing? and the response was as follows: There is a cash shortfall and a need for outside financing Could you please expound on this response as I tr