Category: Finance

I have attached the instructions as a PDF + file #1 and file #2 excel sheets. This is the case you can click it either here of in the PDF.
Make sure to put all the work in one single PDF.
Feel free to ask me any questions anytime, don’t get confused, everything is well-explained in the instructions.
Please try to finish it before the deadline in case of any needed revisions.

A large number of organization across the world have experience some type of fraud, evidence has shown that when fraud occurs it does when there are failures in the following areas.
1. Internal controls.
2.corporate Governance
3. psychology of the individual and/or corporation
Using 2 real life examples. from 2 different countries, use the above categories to analyse whether failures in these areas contributed to organizational fraud.
Note, you can not select ENRON as your real life example

The instructions are in the doc. You need to answer the questions and enter the data for the excel for the calculation. The template for the excel is given, so just enter the numbers

1. Please re-construct the amortization tables of the first and the fifth ARMs Contained in the excel uploaded (a total of 2 ARMS). In addition, please extend the period from 37 months to 50 months for both ARMs. Please also calculate the IRR and MIRR (FMRR) of each ARM using the 50-month period . Please note that it is 50-month period, not 49-month
2.Please re-construct the amortization table of the graduated payment mortgage ($100,000 at 12 percent for 30 years, graduation in payments through the first 5 years) For this assignment, the annual payment growth rate is 7% per year, the annual interest rate is 18%, and the graduation in payments is for the first 8 years. (This means that the payments from month 97 to month 360 are a constant.) Please report the amortization table of the 360 months, the steps you used to calculate the first-year payment, and a figure plotting the loan balance of the mortgage during the period.

Carry out a topic researchability assessment on the proposed topic and complete the assessment form attached

The a-s-s-e-s-s-m-e-n-t will
Individual Project
Please see the questions shown in the screenshot. I will send you all the info after being hired, eg PPTs, student access etc. Please send a draft in 12hrs -1 day time, day 2, and day 3 as well. + Will need to draft some questions to ask the teacher and revise base on feedback (Send bk ard in 1 day max)

Buying Cars / Housing Assignment
In order to receive full points for #1 (for each year listed in cars), and letters “a” “b” (for each mortgage term) and for #2 (savings calculation), students need to screen shot a photo (copy) with all the information input and the results in their word document or pdf document as instructed in order to receive full credit.
(30 Total Points)
Cars
1. Use the calculator Auto Loan Interest Calculator: Monthly Payment & Total Cost”Links to an external site., then click on it for it to take you to the “Auto loan calculator” to input the information as instructed in parentheses (input 15% sales tax and $1,500.00 for Dealer/Title/Registration Fees). Input your information, if you do not have a down payment enter zero if you want to put a down payment enter the dollar amount and use the same logic for trade in value; zero if no trade in and if you have a trade in list the dollar amount the vehicle is worth market value. Submit the loan information and the results. Observe what is happening from year to year. Write a brief summary explaining your observations if you finance an automobile at 15% for each year listed below: (9 points) **Please click on the submit button at the bottom to get the results and submit the entire page with results**
a) Three years
b) Four years
c) Five years
2. Based on the results you received for a three-year loan, using the internet, find a car that match your results (budget) and explain (in a paragraph) why you selected that particular vehicle. Remember to use your knowledge from reading the textbook with answering the questions. (6 points)
Housing
1. Use website https://www.bankrate.com/real-estate/new-house-calculator/ Links to an external site.(Link is to an external site.) to calculate a house you would be able to afford based on your annual earnings when you graduate. To determine if you can afford the home, Use the monthly income that you would be earning as a college graduate with your major (go to https://www.indeed.comLinks to an external site. (Links to an external site.) (enter the job of your desire and the city and state you want to work in and the information will populate with salary range for your degree (Bachelor)) to determine your annual gross salary. If the salary is provided in a monthly amount; multiply by 12 to get the annual gross salary.
Enter in the appropriate fields your annual gross salary, current amount you have in monthly debt (example credit cards payments) and $15,000 for down payment, interest rate, and loan term (listed below), and input zero in the field for current debt if you do not have any current debt.
a) Calculate the numbers you get for a 7%, 15-year mortgage. (3 points)
b) Calculate the numbers you get for a 5.%, 30-year mortgage. (3 points)
**After selecting the 15 & 30 year term, copy all the information entered in the system and the recommended budget results in a screen shot in your word or pdf document **
c) 1) If you have five years to save $15,000 for down payment for your future house, what specific saving steps could you take to save the amount? Please be detailed and consult your textbook. List a minimum of 5 steps to receive full credit. (5 points)
2) Calculate how much you would have to save each month for five years to meet your down payment goal of $15,000, assuming your bank offers you 1.5% APR on deposits. (External Link) Click https://www.bankrate.com/banking/savings/simple-savings-calculator/.Links to an external site. Print screen (copy) in your word or pdf document with your information entered and results. (4 points)

This assignment is an individual assignment.
The Assignment must be submitted only in WORD format via allocated folder on Blackboard.
Assignments submitted through email will not be accepted.
Students are advised to make their work clear and well presented. This also includes filling your information on the cover page.
Students must mention question number clearly in their answer.
Late submitted assignments will NOT be entertained.
Avoid plagiarism, the work should be in your own words, copying from students or other resources without proper referencing will result in ZERO marks. No exceptions.
All answered must be typed using Times New Roman (size 12, double-spaced) font. No pictures containing text will be accepted and will be considered plagiarism).
Submissions without this cover page will NOT be accepted.

This assignment is an individual assignment.
The Assignment must be submitted only in WORD format via allocated folder on Blackboard.
Assignments submitted through email will not be accepted.
Students are advised to make their work clear and well presented. This also includes filling your information on the cover page.
Students must mention question number clearly in their answer.
Late submitted assignments will NOT be entertained.
Avoid plagiarism, the work should be in your own words, copying from students or other resources without proper referencing will result in ZERO marks. No exceptions.
All answered must be typed using Times New Roman (size 12, double-spaced) font. No pictures containing text will be accepted and will be considered plagiarism).
Submissions without this cover page will NOT be accepted.

Q1: What is the economic rationale for the cost approach? What information is
necessary to use this approach? What does it mean for a property to be comparable? (500 words) no plagiarism