Finance Abstract

This four-credit course is for students who major in finance. By the end of this course,

As generations pass by, divorce is becoming more of a social norm than a problem between two individuals. Divorce once was a private household issue but it became widespread only a couple of decades ago. According to the statistics, in the 1950s only 3% of families got divorced and in the 1960s it was already 10%. In the 1980s, 33% of families opted for divorce due to various environmental factors. Recent studies in Canada today, show that the rate of divorce is changing to an extent such that 4 in 10 marriages end in separation. Divorce is a sensitive concept which lies beyond two individuals simply falling out of love as is both the cause and an effect. The many factors that contribute to divorce are extramarital affairs, financial struggles, and the lack of communication.

Three positive observations that I made from the Mount Inn was the increase of the occupancy rate, rooms revenue, and beverage revenue. The occupancy rate jumped from 64.9 % in 2016 to 65.1% in 2017. This was a .20 increase in the rooms that were being occupied The hotel was able to get more customers into their doors. The rooms revenue jumped from $6,159,536 in 2016 to $6,414,875 in 2017.This was a $255,339 increase in revenue for rooms in the Inn. Another finding for the rooms revenue increased from being 70.77% to 71.72% out of the total revenue percentages. The last positive observation was the increase of the beverage revenue from $566,230 in 2016 to $637,400 in 2017. This was a $71,170 increase in revenue. The hotel is definitely growing revenue wise due to increase of customers coming into the hotel.

What is the analogous for-profit statement called? What are the main sections of the statement of operations?

c) What will be the required return on equity (rE) after the change in capital structure from part b?

The husband and wife would support one another and would overcome obstacles, whether it was financial or emotional conflicts. Real culture began to surface later on when divorce was deemed legal, when divorce slowly became the norm. “As social historian Barbara Dafoe Whitehead has observed of this period, ‘divorce was not only an individual right but also a psychological resource. The dissolution of marriage offered the chance to make oneself over from the inside out, to refurbish and express the inner self, and to acquire certain valuable psychological assets and competencies, such as initiative, assertiveness, and a stronger and better self-image (Wilcox 2009).” This became common thinking in society during the 1960’s and 1970’s when the meaning of divorce blossomed into a new perspective.

1. Barker Corp. has a beta of 1.10, the real risk-free rate is 2.00%, investors expect a 3.00% future inflation rate, and the market risk premium is 4.70%. What is Barker's required rate of return?

Since the very implementation of Social Security in 1935 during the time of the Great Depression to present day, it has been a never-ending source of controversy. As mentioned by Nancy Niles, Social Security was considered “old age insurance” (Niles, 2011, p. 9). It was designed to help older Americans, workers who become disabled, and families in which a spouse or parent dies (Niles, 2011). Not only has Social Security played a very essential role in the lives of many Americans throughout the years, but has also been very important to the economic security of the United States of America.

There is much-heated debate on the issues of Social Security today. The Social Security system is the largest government program of income distribution in the United States. People are concerned that they won't see a dime of what they worked so hard to contribute into the Social Security system for so many years. Social Security provides benefits to about forty-three million Americans. Not only to retired workers, but also to their spouses and dependents of the workers who die prematurely. It also provides benefits to disabled workers and their dependents. Social Security appears to most people like a simple retirement saving's account. After all, you generally contribute through payroll

No fault divorce has allowed women and men (and more recently, same sex couples) the option to end their marriage simply because they no longer want to be married. However, this presents new legal questions which need to be answered. The courts must determine alimony, or spousal support. After a marriage, one spouse might need to support the other based on length of the marriage, difference in incomes or lost earning potential. However, determining a fair way to allocate alimony is an important issues to ensure both partners come out of the marriage on equal footing. Establishing new guidelines for alimony is critical to ensuring that there is equality at the end of a marriage.

Retirement and Social Security issues have become local, national, and international concerns that will also affect each of us on a personal level. Social Security benefits began in 1935 when the depression hit and put many elderly people out of work (http://ssa-custhelp.ssa.gov). Social Security has been around for over 70 years providing a dependable monthly income with automatic increases as the cost of living increased. The Social Security Administration reports that workers need 70-80 percent of pre-retirement income once retired and Social Security only provides about 40 percent (www.ssa.gov). The depletion of funds is becoming a great concern and is also getting worse with each generation.

Those who deny a Social Security crisis cite the pessimistic projections by the Social Security Trustees (Biggs, 2001). Deniers believe that if the projections were corrected to reflect a realistic view of economic growth, Social Security would appear as a healthy, sustainable program (Biggs, 2001). In addition, deniers believe that even if the Trustees’ projections are completely accurate, the deficits of the programs would be easy to afford (Biggs, 2001). With the National debt soaring and economic growth stagnating as is has for the past few years however, people must consider how many more deficits the country can reasonably afford. Individuals should also consider not only if the Social Security system is salvageable but also if it is worth saving. The promise of Social Security was to provide some income in retirement, but questions certainly exist as to whether or not the program will still be able to fulfill that promise in the future.

They carry a larger proportion of current assets relative to their operating revenue than their competitor.

| This assesses a company’s financial durability by examining whether it is at least profitable enough to pay off its interest expenses.

-Brokerage firms manage and facilitate the purchase of stocks, bonds, and other types of investments.