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FIN 201 Complete Unit Discussions-POST

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FIN 201 Complete Unit Discussions-POST

FIN 201 Complete Unit Discussions-POST

FIN201

FIN 201 Unit 1 Discussion Latest-POST

Follow this link to the following web page: Finance Jobs Guide – Careers in Finance

Review the page thoroughly and begin to think about and explore what options may be available to you in the world of Corporate Finance. Respond to the forum by telling everyone: Which of the jobs and career areas in finance seems most interesting to you and why? What specifically about the position and its responsibilities interests you? Why do you feel the job fits with your career interests, aspirations and skill set?

Also, review the hyper-links for “recommended books on jobs in Finance” (mid way down the page). Based on your review of each, which book do you think would serve you as an interesting resource to assist in your job search and tell us why please?

FIN 201 Unit 2 Discussion Latest-POST

R * T = 72

The Rule of 72 is a formula that investors often use to estimate the amount of time required to double the value of an investment. This formula consists of two variables and one constant, as follows:

  • The variable R (representing the rate of return or interest)
  • The variable T (which is the variable for time)
  • The constant 72

The premise of the formula is that if you know either one of the two variables, you can use simple algebra and solve for the missing variable, indicating either how long it will take for an investment to double, or what rate of return (or interest) one must earn in a given amount of time to double the investment.

For example: If a dollar amount of $1000 grows to $2000 in ten years, you see that the investment has doubled in value. Now, lets use the Rule of 72 Formula to evaluate:

rate * time=72.

Plug in 10 years as the time variable, and the formula becomes…

Rate * 10 years=72. Thus, we can solve for the rate: R = (72 / 10 years) … or 7.2% !

Therefore, in order for an investment of $10,000 to double in value to $2,000 in a 10 year time frame, the investor must earn 7.2% return (or interest as the case may be) on the investment on an annual basis.

DISCUSSION: Give an example of a purchase, an investment or another matter in your personal financial life when this formula would have been a useful Financial Planning tool to help you to prepare for the event. If no such event has occurred in your past life, then think if an event that will occur in the future for which you must plan, and accumulate a lump sum of money in order to make the event a success.

FIN 201 Unit 3 Discussion Latest-POST

The examples in the text show a unique characteristic (think: positive or negative sign) associated with how the PRESENT VALUE (PV) of a monetary sum (when given) should be expressed when you are solving for future value (FV) of that sum.

What is that characteristic? What questions would you ask a mortgage lender if you used the Time Value of Money calculations to copare loan terms with what you “expect” to pay (or owe) based on your calculations. If you’ve never considered a home loan, substitute a car loan or (dare I say it …) a student loan.

FIN 201 Unit 4 Discussion Latest-POST

Search the Internet for any short article related to finance and then post a couple of sentences here about what you’ve learned or what your thoughts are. Please also post a link to the article so others can access it.

FIN 201 Unit 5 Discussion Latest-POST

In this article What is the meaning of the term “credit facility”?

WD 40 ARTICLE ON APPLICATION OF LEVERAGE

DEAR SHAREHOLDERS

On March 26,2001 ,WD-40 Company (NASDAQ: WDFC) announced the acquisition of Global Household Brands, maker of such well-known products as X-14,,, 2000 Flushes, and Carpet Fresh., The acquisition represents another milestone in our creation of a new business model on which to build our fortress of brands. It furthers our successful transitioning to a global consumer products company with brands that deliver superior performance and value to end users who buy in a variety of trade channels.

How we will finance the acquisition? We have stated in the past that we would lower our dividend payout when the right opportunity came along to enhance shareholder value. Such an opportunity is here right now. A five cent (per share) quarterly dividend reduction will allow us to qualify for a more favorable credit facility for financing the Global Household Brands acquisition: a syndicated senior secured credit facility totaling $85 million and led by Union Bank of California. This is an excellent move for us — a vital investment in short- and long-term sales and earn­ings growth.’

What the acquisition means to shareholders The acquisition offers several advantages. Not only will it give us an additional $69 million in sales revenues, but it will augment and further enhance our fortress of brands model, Global Household Brands has been a star performer in the household goods sector, and its acquisition will further diversify our product portfolio and substantially reduce our concentration on one product. As a result, no brand or trade channel will be greater than 60% of our total revenues/

With this acquisition, WD-40 Company makes a big move into the household goods sector, joining the ranks of consumer goods companies, which the stock market has historically rewarded with higher price-earning (P/E) ratios.

Our goals for the coming year Consumers remain the focus of our business, and the acquisition of Global Household Brands will allow us to broaden this focus. We will leverage their considerable knowledge and expertise in the grocery channel to complement our expertise in other channels. The combined company will have two marketing groups: The Do-it-Yourselfers Group for Solvol,, Lava,, WD-40,, and 3-IN-ONE, and the Household Products Group for 2000 Flushes, Carpet Fresh, and X-14.

Our distribu­tion infrastructure will expand, as well, to support our new household product platform and new brand and product launch opportunities, Increased research and development will allow the combined company to leverage our collective brands and thus create greater shareholder value in both dividends and stock price. Non-core competencies, such as the Global Household Brands manufacturing, will be sold to one of our key suppliers, maintaining the out­sourcing business model we have successfully managed over the past 48 years.’

On behalf of WD-40 Company management, I want to express my appreciation for your support and underscore our continued commitment to achieve faster and more profitable growth through strategic acquisitions such as this one. We will continue to build, defend and acquire; in so doing, we will make WD-40 Company a fortress of brands in every sense of the term.

Sincerely yours,

Gaity Ridge, President and CEO

FIN 201 Unit 6 Discussion Latest-POST

Search the Internet for any short article related to finance and then post a couple of sentences here about what you’ve learned or what your thoughts are. Please also post a link to the article so others can access it.

FIN 201 Unit 7 Discussion Latest-POST

Define the term: Flotation Costs.

Why should we expect the flotation costs for debt to be significantly lower than those for equity?