Category: Finance

Research real-life examples of Rahn contracts from news articles or business websites. You should analyze and identify the critical components of the contract and present their findings.
(500-600 words)

Research real-life examples of Rahn contracts from news articles or business websites. You should analyze and identify the critical components of the contract and present their findings.
(500-600 words)

Suppose both the buyer and tenant have 10% of 266 800 euros in the bank account. The buyer loses that after the purchase in administration and notary fees, the tenant does not. The buyer must additionally borrow 266 800 euros over 10 years with monthly fixed payments and annual effective interest rate of 3 times 1.32%. The buyer uses all the savings at t0 while the tenant can just leave it at an interest rate equal to 1.32%. The buyer also has maintenance costs that can amount to 0.1% of 266 800 euros per month. The buyer does not live completely for free (see maintenance costs) but after 10 years (when loan is paid off) has the value of the house as equity. The tenant pays monthly rent and after 10 years has only money in the bank but can pass maintenance costs to the homeowner (no maintenance costs). The tenant could put the difference between buyer’s cost (monthly loan amount + maintenance costs) and rent into a savings account each month at 1.32% annualized.
a) Suppose the house grows in value at 1.32% annually, what assets (house value) does the buyer own after 10 years?
b) Suppose the house rent is 750 euros per month, how much can the tenant save monthly? (monthly loan amount + maintenance costs buyer – rent)
c) How high can the rent be at most to make renting equivalent to buying (at constant rent). Both buyer (house) and tenant (savings account) then end up with the same assets after maturity.
(d) Suppose the rent is 750 euros in the first month but then grows. How high may this monthly growth be to make renting equivalent to buying?
e) Suppose the tenant does not save but invests to 3.96% with the surplus, how does your answer change from c?

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I have a attached a file and want you to summarize it into 700-750 word make it simple and clear not complicated no plag

Your essay should be at least four pages in length. Use APA format to cite and reference all quoted and paraphrased material, including your textbook. Use a minimum of four sources, one of which may be the textbook. Include a title page, introduction, body, conclusion, and references page. An abstract is not required.

In CMOS (Complementary Metal-Oxide-Semiconductor) technology, which is widely used in the fabrication of integrated circuits including microprocessors, digital storage, and other types of digital logic circuits, the terms ″source″ and ″drain″ refer to two of the three terminals of a MOSFET (Metal-Oxide-Semiconductor Field-Effect Transistor). The third terminal is called the ″gate.″ CMOS technology includes two kinds of MOSFETs: n-type (NMOS) and p-type (PMOS).
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1. (5 points) Provide an introduction into the case with a problem statement.
2. (10 points) What is the central issue facing Anwal Gas Traders?
3. (35 points) Perform the capital budgeting for the project and calculate the NPV, IRR,
payback period and profitability index.
4. (20 points) A consultant suggests that the government may increase the sector′s tax
from 29 percent to 35%, resulting in a price increase of only 3% annually. What changes
in the capital budgeting process should be made? How will this tax and price increase
affect the company′s decision?
5. (20 points) The finance department recommends a local bank interest rate of 19
percent* and a WACC of 15%. Conduct capital budgeting techniques for the given
scenario.
*You may assume that this is the effective cost of debt (rd) paid by the firm and used in the
new WACC. Should you be critical to the WACC of 15% proposed by the finance department?
6. (10 points) Summarize the findings and answer the problem statement in the conclusion.

1. (5 points) Provide an introduction into the case with a problem statement.
2. (10 points) What is the central issue facing Anwal Gas Traders?
3. (35 points) Perform the capital budgeting for the project and calculate the NPV, IRR,
payback period and profitability index.
4. (20 points) A consultant suggests that the government may increase the sector′s tax
from 29 percent to 35%, resulting in a price increase of only 3% annually. What changes
in the capital budgeting process should be made? How will this tax and price increase
affect the company′s decision?
5. (20 points) The finance department recommends a local bank interest rate of 19
percent* and a WACC of 15%. Conduct capital budgeting techniques for the given
scenario.
*You may assume that this is the effective cost of debt (rd) paid by the firm and used in the
new WACC. Should you be critical to the WACC of 15% proposed by the finance department?
6. (10 points) Summarize the findings and answer the problem statement in the conclusion.

Managers need to make informed decisions. Using data, or research, to analyze your business is an important part of making decisions and evaluating business performance. An IT manager analyzes service levels, a marketing manager tries to predict results of planned campaigns, and virtually any business manager needs data to identify relationships between relevant variables. Your skill in business research to analyze data and drive decision-making helps you to add confidence despite uncertainty, draw conclusions about organizational performance, and add value to your organization.
Scenario
As the manager of a customer service call center, you are evaluating the quality of the call center’s operations. One of the most important metrics in a call center is time in queue (TiQ), the time a customer waits before a customer service representative (CSR) comes on the line to help. To provide the best customer experience, you want your customers’ wait to be less than the 2.5-minute (150 seconds) industry standard. You know that when they wait for too long, customers are more likely to have a negative experience or hang up before being helped.
Another metric you measure in the call center is the handle time, or service time (ST), the amount of time a CSR spends servicing the customer. Last month’s average ST was approximately 3.5 minutes (210 seconds). Your industry experience tells you that average ST can be influenced by a CSR’s level of training, amount of experience, and whether the CSR can provide resolution to the issue quickly. Recently, you tested a strategy to have callers identify the type of issue they are calling about and then route calls to CSRs with expertise in that issue.
The new protocol (PE) is being tested side-by-side with the current protocol (PT) to see if ST is improved with this strategy. The regional director was hesitant to test the PE protocol for two weeks, already concerned about the customer experience, but agreed to the test. After the first few days, the regional director is anxious to know the results and asks you to send a report. You ask the user experience (UX) team to pull a report for the TiQ and ST for both protocols to analyze.
Preparation
Review the call time analysis provided by the UX team. You may also review the call time data in Excel, if desired.
Assessment Deliverable
Write a 350- to 700-word email, or memo, about the PE and PT test results after the first few days. Address the following in your email:
Analyze the impact the new protocol (PE) has had on time in queue and service time.
Determine if the PE protocol should be implemented widely in the call center with what you know so far.
Identify what additional data and analyses would be helpful to determine if the PE protocol is working.
Explain what is likely to happen to TiQ and ST if the PT protocol is kept.
Explain how a sudden increase of 20% more calls might influence TiQ and ST.
Justify whether the data is sufficient to determine if the PE test is successful.
Suggest additional metrics and supporting data needed to determine the performance of the call center’s operations.
Format references according to APA guidelines.