Residential roofing contractors, house roofing contractors Questions and Answers Not able to decide upon the type of roofing system for your home? In case you are confused about the different kinds of roofing systems available in the market, you can ask for professional help. Find the top-rated residential roofing contractors around your location for such advice. These professionals not only provide beneficial information but also help you to select the best roofing system. Who are residential roofing contractors? The professionals that excel in providing installation, maintenance, and roof repairing services in the market are known as the residential roofing contractors. These professionals help their clients to select the appropriate roofing systems for their houses and mainly deal with the services of residential projects. How to know if my roof needs a replacement or not? In case you suffer from any roof leakage or any such conditions, it is time to seek the services of the residential roofing contractors around you. Also, if you are not sure about the status of your roof, you can ask the professionals for consultation for…
Farmed animals People frequently used common phrases to refer to farmed animals in attempts to appeal to ugly parts of human nature. Some of these phrases include ‘like lambs to the slaughter’ or ‘Pearls before swine’ (AUTHOR 2). The references made portray how people portray the farmed animals as uncaring, about their fate, not being bright, and being monolithic regarding their identities. There is so much that people need to know about animals, including how to handle them right. Thus, the more we know about farmed animals and the meat industry, the less we would eat meat. Farmed animals possess the usual emotions, such as fear and pain. However, most people are not keen on knowing that the animal’s emotions are familiar and complicated, just like people’s feelings. For instance, animals also experience optimism and pessimism. People often get the feeling of being unable to cope when encountered with good experiences and praise. On the other hand, people still experience bad feelings when they encounter bad encounters. Optimism and pessimism are, therefore, a deviation in judgment due to emotional battles.…
The standard deviation and VaR techniques Investors usually analyze risks before making investments by using multiple methods such as standard deviation, VaR, CVaR, and beta. The investors are supposed to mitigate the risks after identifying it. The beta method involves the measurement of methodical risks in case of an individual security. The standard deviation method involves the measurement of dispersed data. The SD method helps in identifying the deviation of the current return from previous returns. For example, a high SD stock will have high volatility, and it also implies that the levels of risk associated with the stock are high as well. The method also measures consistency. While making any investment-related decisions, risk management is necessary, and analysts use the method for reducing the levels of risk. Usually, the conventional methods include VaR, standard deviation, beta, and CVaR. The VaR technique is based on statistics, and it is used for assessing the risk level in a portfolio as well as in a company. The method is useful as it measures the highest degree of risks for a specific amount…
Concepts of managerial finance The chapters included here deal with the essential concepts of managerial finance and focusses on crucial concepts and definitions in the field. Some of the ideas discussed here are risk-return, corporate stock valuations, and financial applications. The chapters have also covered options in the area of corporate finance. Chapter 6 deals with investment return concepts. The subtopics include the Basic return and risk concepts such as Stand-alone risk, portfolio (market) risk, and return CAPM/SML, market equilibrium, and market efficiency. Chapter 7 covers the topics included in corporate and stock valuation. The topics further included in this are features and valuing of common stock, preferred stock, classified stock, tracking stock. The final chapter, chapter 8, mainly deals with the concept of financial options and its applications in corporate finance systems. The topics included in the chapter are financial options terminology, option price relationships, Black-Scholes option pricing model, put-call parity The sections discussed here focus on the concepts of managerial finance and discuss essential ideas related to it, along with a few fundamental definitions. Chapter 6 covers risk…
The rates of WACC In the given situation, the initial WACC is 13%, while the new WACC is just 3.5%. At a 10% projected rate of return, the company can opt for the suggestion as the WACC proposed by Harriet is just 3.5%, much less than the risk-free rate. Using 50% of capital from debt and the remaining from retained earning appears to be a great option since there will be lower cash outflow. Cash liquidity and the tax benefits of debt are crucial for business. In the case of capital projects, there is not a predefined cost of capital. Capital cost considers what the sources of funds are and where and how they can be obtained, be it bonds, equity, or retained earnings. The project comes with high inherent risk as the project products are slowing down the sales. In the case of reduced sales, breaking even with the debt will be impossible. The choice of going for the debt cost only will not be a great option as the organization must take the retained earnings into consideration. It…
Return calculation As per the model of constant growth, we can say that Stock Price (denoted as ‘P’) = DIV1 / (r-g) Where the given values are: P = $40 DIV1 (value of given next dividend) = $4 r (rate of discount) = x (unknown) g (rate of growth) = rate of retention * investment return rate = 0.40 X 0.15 = 0.03 Putting this value of ‘g’ in the equation of constant growth, we get, P = DIV1 / (r-g) or, 40 = 4 / (r – 0.06) or, r – 0.06 = 4 / 40 or, r – 0.06 = 0.1 or, r = 0.1+0.06 = 0.16 Therefore, rate of discount = 16%. As per the model of constant growth, we can say that Stock Price (denoted as ‘P’) = DIV1 / (r-g) Now, P0 = DIV1 / (r – g) And, DIV1 = DIV0 X (1 + g) Discount rate (r) = 15% Replacing the values in the constant growth model equation, we get, P0 = DIV1 / (r – g) P0 = {DIV0 X (1 +…
Bubble economy After going through the assigned readings, one of the most important concepts identified is Foreign Exchange. It has been understood that foreign exchange is vital in economics because it determines the flow of foreign currency within a country. The currency conversion technique is vital because, in a free market, the currency value fluctuates and depends on the supply-demand ratio. Again, currencies fluctuate because countries are more likely to float its currency. A range of market conditions determines the degree to which countries would be benefitted from foreign exchange. International money exchange can be beneficial. Another vital concept discovered in the Bubble. In a bubble economy, rapid escalations occur, and asset prices fluctuate. The example of the 1990’s Dot-Com Bubble can be considered. At that time, technology and the internet were rapidly expanding. Investors continued to invest and desired to gain higher returns. However, the outcomes were negative because the market lacks stability. International money exchange can be beneficial. In Managerial Economics, both the concepts of the Bubble economy and Foreign Exchange are vital, and the assigned readings suggest…
The Global Financial Crisis of 2008 The global financial crisis of 2008 is one of the worst economic disasters to have hit Europe after the Great Depression of 1929. The tragedy hit Europe despite the efforts from the Federal Reserve and the Treasury Departments to calm the Europe’s economic turbulence (Fassin & Gosselin, 2011). The Global Financial Crisis of 2008 had ethical concerns which swept across the affected governments and the organizational leaders. Federal governments and corporate leaders faced ethical issues emanating from the mortgage brokers, subprime mortgage lenders, and to the securitization of mortgages. The organizational leaders who managed the rating firms were incompetent regarding the assignment of investment ratings and the collateralized debt obligations. The leadership of the regulatory agencies and the Security Exchange Commission (SEC) failed to review the required adequate disclosures in the supplemental prospectus for banks (Elliott, 2011). Consequently, the international banks failed to underwrite the criteria used to assemble the pooled loans, thus presenting one of the significant ethical concerns during the 2008 global economic tragedy. States, global leaders, and federal personnel agreed to…
Worldwide economic recession of 2009 As per the given article, the great recession of 2009 was caused by the policies of the United States government. The housing policies of the government had resulted in the money of the federal banks getting concentrated around the housing sectors. This was primarily because the government wanted most of the population to buy homes. The government also lowered the lending standards, which resulted in the housing financial bubble getting inflated with time. The governments then encouraged firms to buy riskier mortgages, which became a liability once the pricing fell in 2008. As a result, the financial firms on which the government relied on loans and mortgages, collapsed one by one. Some of the notable examples are Freddy Mac and Fannie Mae, which helped the governments in providing affordable housing plans in 1992. The investment made by these financial institutions became bad once the housing prices began to decline, and the loans started to default at higher interest rates. In the given article, the author states that the worldwide economic recession of 2009 was caused…
Poverty and its relation to health as a social problem The first episode introduces viewers to the poor health statistics in the United States of America in comparison to other fellow industrialized countries. The results are presented to Marmot’s Whitehall Studies, which comes with particular findings. The findings are that health status and wealth status have a steady correlation in a continuous gradient that ranges from extremer poor to extreme wealth. The film addresses poverty and its relation to health as a social problem. There is the usage of people of different levels to represent social class within society. The lives of the Chief Executive Officer (CEO), the lab supervisor, the janitor, and a jobless mother illustrates well how the social class influences the opportunities of gaining good health. Those at the top class with higher incomes and power influence are in a better position of getting the required resources to obtain good health. On the other hand, those at the bottom are usually the victim of stressors. The stressors are inclusive of unpaid bills, the jobs which are not…