De La Portilla

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In 5 to 8 pages, write a report based on the following scenario:

de la Portilla food stores, a family owned grocery store chain
headquartered in Refugio, Texas, is considering a major expansion.
The proposed expansion would require de la Portilla to raise $80
million in additional capital. Because de la Portilla currently has a debt
ratio of 50 percent, and because the family members have all their
funds tied up in the business, the owners cannot supply any
additional equity. So the company will have to sell shares of the
company to the public. However, the family wants to insure they retain
control of the company. This would be de la Portillas first stock sale,
and the owners are not sure just what would be involved. Therefore,
they have asked you to research the process and to help them decide
exactly how to raise the needed capital. In doing so, you should
answer the following questions:

1. What are the advantages to de la Portilla to finance with shares
rather than bonds? What are the disadvantages of using
shares?

2. Are the shares of de la Portilla food stores currently publicly
held or privately owned? Would this situation change if the sale
shares were made?

3. What are classified shares (stock)? Would there be any
advantage to de la Portilla of designating the shares currently
outstanding as founders shares? What type of common
shares should de la Portilla sell to the public to allow the family
to retain control of the business?

4. What does the term going public mean? What would be the
advantages to the de la Portilla family of having the firm go
public? What would be the disadvantages?

5. What does the term listed stock mean? Do you believe de la
Portilla shares would be listed shortly after the company goes
public? If not, where would the shares trade?

Writing Guidelines:

Title page and reference page (not included in the 5 8 page
count)
Must be double-spaced with 1-inch margins and typed in
12-point Times New Roman
Paper should be proofread for spelling and grammar mistakes.
Paper should be in APA style.
Please submit in a word document and NOT pdf version.
You must cite and reference all texts used, including page
numbers to avoid plagiarism.
Your paper must have an introduction and conclusion
paragraphs.
You should use headings and subheadings to organize your
paper.
Use at least 5 scholarly or professional practitioner sources in
your paper.

 

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Do you believe the American Revolution was inevitable or do you think that the empire of the colonist could have found a way to resolve the issue

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Do you believe the American Revolution was inevitable or do you think that the empire of the colonist could have found a way to resolve the issue that came divided them between the seven years war and the the first shot fired at Lexington and Concorde? Explain your reasoning with specific examples

 

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Do you believe the American Revolution was inevitable or do you think that the empire of the colonist could have found a way to resolve the issue was first posted on November 8, 2020 at 10:04 pm.
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REFLECTION ESSAY:Proof reading and addition of more sentences as required

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Question description

Component Three: Reflection Essay This essay is your chance to reveal and discuss your thoughts about the process and outcomes of this project, your journey through your master’s program, and how you plan to position yourself professionally. Writing reflectively allows you to think deeply and consciously about your experiences. Your ability to selfanalyze in a business-appropriate manner, to address areas of growth, and to articulate goals and plans is invaluable to successful practice. Thinking about the process you just completed, succinctly address the following types of issues:  Why did you select this economic problem to analyze?  How did you apply the economic theories you learned during your academic program to actual practices?  Did you come across instances where you had to rely on practical experience rather than theory?  If you had the opportunity to analyze this economic situation again, what would you do differently?  What would you like to have done had you had more time?  What were your ethical responsibilities for potential ethical violations in the analysis and reporting of the economic problem?  What connections do you see between your capstone and your academic program?  How will you apply what you have learned to your future academic and/or professional life?

 

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REFLECTION ESSAY:Proof reading and addition of more sentences as required was first posted on November 8, 2020 at 9:54 pm.
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personal finance 21

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What is a fixed variable expense?

a cost that stays the same each month

a cost that you do not have to pay each month

a cost that you pay every month but the price can change from month to month

a cost that changes from week to week, but you do not have to pay

What’s a good way to reduce food costs?

buying items on sale

making a shopping list and sticking to it

making sure you go to the store on a full stomach

all of the above

Which of the following types of accounts should you not put money into that is being saved for a down payment on a house?

CD

savings account

stock market account

interest bearing account

Which of the following would typically not be considered a financial emergency?

car repair

emergency medical bill

losing your job

buying a new outfit for prom

Mr. France was just laid off from his job. Which of the following positions should he be in if he was prepared for a financial emergency?

all of his credit cards are maxed out

he is late on all of his monthly bill payments

he is getting calls from his mortgage company due to not paying his mortgage

he is using savings to temporarily pay for his necessary costs

Which of the following is the best way to prepare for a financial emergency?

Donating a percentage of your paycheck to your favorite charity each month.

Investing a percentage of your paycheck in the stock market each month

Depositing a percentage of your paycheck into an interest-bearing savings account each month

Using credit cards so that you can save your paycheck

What is not an example of a spending mistake?

Paying only the minimum payments on your credit card each month.

Spending more than you make.

Paying all of your bills on time.

Paying your cable bill late.

In which of the following scenarios would it typically be best to use your savings?

Paying for a financial emergency

Buying a new pair of shoes at the mall

Paying your cable bill

Paying your electric bill.

What is the typical error rate with scanners at the store?

55%

65%

5 or 6%

0%

What do companies do to try to market to teenagers?

Place newspaper ads for their products

try to establish their brand as “cool”

place their product on the bottom shelf in the grocery store

use musicians from the 1960s in their commercials

What kind of chart is a nice way to show how you should spend/distribute your income?

bar graph

pie chart

histogram

line graph

If Joe wants to spend 35% of his income on rent, what percentage of income will he be able to spend on other things?

65%

35%

100%

20%

When saving money is considered a flexible expense for someone who does not budget for savings, what typically happens?

They are not adequately prepared for financial emergencies

They do not accumulate any wealth

They do not build financial security

all of the above

The Jones family is trying to buy a new home. Which of the following would be something you would recommend for them to do?

Make saving money a priority

Invest their down payment money in the stock market

Consider savings an inconvenience

none of the above

Match each of the following words to its description.

Fixed expense

Fixed variable expense

Financial emergency

Savings

Income

Compensation

Short Term Debt

Long Term Debt

Good Debt

Bad Debt

A. An unplanned expense

B. Money received from a job

C. Synonym for income or earnings

D. Money set aside for future expenses

E. Expense that is the same from month to month

F. Debt that will help build wealth

G. Debt that is paid in full in a time period longer than one year

H.Debt that is created from things you have already consumed

I.Cost that you must pay each month but the amount can differ i.e. electric bill

J.Debt that is paid back in full within one year

One way to get out of a financial emergency is to not pay your bills and move to another state.

True

False

It is best to always have savings available.

True

False

If you went to the bank today, which type of checking account would be the most useful for you?

joint checking account

interest-bearing account

student checking account

none of the above

If you are saving money for college and plan to start attending in 5 years, which account would you most likely put your money into?

Savings Account

Money Market Account

Checking Account

CD

If you never use the ATM and wanted a higher interest rate on your savings account, where would you open a savings account?

National or Regional Bank

Credit Union

If you travel a lot for work and use cash to pay for most purchases, which type of financial institution would you probably have your account at?

National or Regional Bank

Credit Union

One financial institution is offering a 6% interest rate on home mortgages while another institution is offering a 4% interest rate on home mortgages. Out of the two financial institutions, which offer would the bank probably be offering?

6% interest rate

4% interest rate

One financial institution is offering a 7% interest rate on mortgages while another institution is offering a 5% interest rate on mortgages. Out of the two financial institutions, which offer would the credit union probably be offering?

5% interest rate

7% interest rate

Your grandma has a computer and is pretty technologically savvy. She wants to open an account at a bank that will provide her personal attention. Which bank should she choose?

brick and mortar bank

internet bank

Which type of health insurance policy do you have if your insurance company does not pay if you do not use a preferred provider?

Fee-for-service plan

High Deductible health plan

HMO

PPO

Which type of health insurance policy should you purchase if you don’t get sick that month and want to pay the lowest monthly premiums?

Fee-for-service plan

High Deductible health plan

HMO

PPO

Jenny is a full-time college student at the local university. She is debating whether to purchase renter’s insurance or not. In at least one paragraph, give Jenny 3 reasons why purchasing renter’s insurance is important. Also, give your recommendation on how much renter’s insurance she should purchase and why.

In a paragraph or more, explain to your parents some things to consider before purchasing an extended warranty. Should they always purchase an extended warranty? Why or why not?

Based on what you learned about various types of health insurance, which policy would be best for you and your family? Give at least 2 reasons why you picked this policy.

If your dad wanted to purchase a new life insurance policy, which would you recommend and why?

If you were opening a bank account, would you choose a brick and mortar bank or an internet bank? Why?

As you know, insurance companies base their policies on how much risk they perceive you to be. What are some factors that would affect your risk for your auto insurance?

Match the following words to its correct definition.

Rule of 72

Dividend

Mutual Fund

Bond

Stock Market

Rate of Return

Inflation

Pension

Retirement

Social Security

IRA

Roth IRA

401(k)

403(b)

Investment

A.General and progressive increase in prices

B.Investment in which you are loaning money for a certain time period to the issuer

C.Individual retirement account in which a person can set aside after-tax income up to a specified amount each year, earnings are tax-free, and tax-free withdrawals may be made after age 59 1/2

D.Distributions of property a corporation pays you because you own stock in that corporation

E.Supplemental retirement system in the United States

F.Individual Retirement Account

G.The amount of money you make on an investment in relation to the amount of time your money is invested stated as an annual percentage

H.Quick and easy way to estimate how long it will take for you to double your money

I.Type of tax-qualified deferred compensation plan in which an employee can elect to have the employer contribute a portion of his or her cash wages to the plan on a pretax basis

J.Retirement plan for certain employees of public schools, employees of certain tax-exempt organizations, and certain ministers

K.An exchange where security trading is conducted by professional stockbrokers

L.The age at which someone stops working permanently

M.Asset purchased for profit

N.An arrangement to provide income to people when they are no longer earning income.

O.Collection of financial securities (stocks, bonds, cash) that is managed by a company or a person on behalf of many investors

Why are bonds known as fixed income investments?

There is a fixed principle

There is a fixed rate of return

There is a fixed option of investing part of the bond

All of the above

Based on what you learned, how do most people plan to use their Social Security income in the future?

As supplemental retirement income

As their only retirement income

They plan to start collecting at 56

All of the above

What steps can you take to prevent yourself from being affected by a market correction? Explain.

What type of investments should you choose if you are not very financially risky?

List two facts about 403(b) plans.

Give two differences between a Traditional IRA and a Roth IRA

How can one prepare for retirement to prevent worrying about living in poverty once one hits retirement age?

What are some factors to consider when creating a retirement plan? Explain.

Explain how to use the Rule of 72.

 

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The post personal finance 21 first appeared on Homework Handlers.

personal finance 21 was first posted on November 8, 2020 at 9:42 pm.
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