Transcript: a safe-deposit box is where people put their money at to keep it safe. a safe-depositbox is located at any bank. you can put any personal possesions in a safe-deposit box to keep it safe. a safe deposit box is like a safe it keeps your stuff safe. a safe is virtually indestructible. a safe-deposit box is nice and secure.
Transcript: Finance 101 GO BE A GOOD LEADER IN FINANCE! Figure out your allowance and expenses together: Are you in debt and need to find more money to pay for your expenses? Do you have a surplus after all expenses are accounted for? Planning Your Budget Budget planning Audits Filing paperwork Sending Requests Fundraising Balancing finances Reporting to Business Office Reporting to the club/eboard Going to budget hearings TIMELINE Debt or Surplus? You want to leave your club in a decent amount of surplus by the end of the school year. How to do it: Only spend on what you need. Find the best deals Fundraise (Go to Dan Napolitano’s Fundraising Tips and Pitfalls in Room 302 at 12:00pm – Session 2 of workshops) Attend budget meetings Submit budget & audits on time Submit all forms that are required (website on your handout) Participation in Hot Dog Day Abide by all AU and Senate policies Attend Senate meetings ******Any of these not being met may prevent you from receiving allocation money and recognition Once you select what budget time you are using, you need to figure out: What is needed for specific event(s)? What is needed for the over all use of the club/organization? Are there any annual fees for your club? Is anything needed for recruitment, current members, ceremonies, etc.? Figure out your allowance and expenses together: Are you in debt and need to find more money to pay for your expenses? Do you have a surplus after all expenses are accounted for? Planning Your Budget Reminders You need to know how much money your club has: How much money do you currently have in your club’s account? How much do you have coming in before expenses? Do you have any income for your club? *Remember that AU expenses are tax exempt You need to know how much money your club has: How much money do you currently have in your club’s account? How much do you have coming in before expenses? Do you have any income for your club? Responsibilities What are you doing a budget for? School year expenses? Semester expenses? Monthly expenses? Weekly expenses? Daily expenses? Specific event expenses? Debt or Surplus? GOAL By Brielle DePugh Be recognized as an organization on campus Reaching the goals of your club What does your club need? Know your fund and organization code - especially for forms Work WITH your club, eboard, and adviser not against them. Plan ahead EXPECT THE UNEXPECTED Once you select what budget time you are using, you need to figure out: What is needed for specific event(s)? What is needed for the over all use of the club/organization? Are there any annual fees for your club? Is anything needed for recruitment, current members, ceremonies, etc.? Extra Stuff to Do! What are you doing a budget for? School year expenses? Semester expenses? Monthly expenses? Weekly expenses? Daily expenses? Specific event expenses? QUESTIONS? TIMELINE What does your club need? GOAL You want to leave your club in a decent amount of surplus by the end of the school year. How to do it: Only spend on what you need. Find the best deals Fundraise (Go to Dan Napolitano’s Fundraising Tips and Pitfalls in Room 302 at 12:00pm – Session 2 of workshops) Meet with advisory at least once a month to go over books Keep a receipt book & all physical receipts Announce financial standings at each club meeting, whole group and eboard Keep records of all expenses and revenues For all events, make sure you have excess allowance for unexpected expenses What is your allowance? What is your allowance?
Transcript: Current Ratio: 210.62% Quick Ratio: 145.51% Cash Ratio: 50.97% Net working capital to assets: 50,97% Estelle Honnorat Adeline Bustin Laurent Chabault Liquidity Ratios Founded in 1853 Received the US patent for the 1st blue jean Revenue in 2012: $4.6 billion Net income: $157 million Chip Bergh (CEO) just announced the 2 new management goals: Drive sustainable Profitable growth Conclusion Total debt: $1.729 billion Debt/equity: 414,02% (growth financed by debts) Equity multiplier: 402,4% (assets financed by debts) Team Presentation - Finance Brand's story Thanks for your attention. If you have any question just ask ! •Fall of 2.4% of cost of goods sold 2011: $2,469.4M 2012: $2,41O.9M •Triggers a gross profit fall of 4,1% 2011: $2,292.2M 2012: $2,199M •Increase of the net income of 4,3% (from 135.1M in 2011 to 141M in 2012). •Cash flow from operations significantly improved to $531 million compared with $2 million the prior year. Gross margin: 48% Cash flows: $531 Million 17,000 employees 470 stores all around the world. To conclude, the company stays wealthy but underperformed this year. Total Debt Ratios Overview 2011 and 2012 Levi Strauss & Co. Significant Figures
Transcript: Dream Job: Actress Presented by Destiny Ayres for Personal Finance Class College? Is College Required? To be an actress, college isn't required. Although it's not required, it is highly reccomended to participate in college drama courses. There is no formal amount of school required to become an actress. How Many Years Of School? How Many Years Of School? In order to become an actress, experience is required. Most actors and actresses start by preforming in their local theatre, taking college courses, and preforming in other public settings to addapt to an audience. What Training is Required? What Training is Required? The skills needed to become an actor/actress include creativity, speaking, literacy and reading skills, memorization, persistence, dedication, and being able to talk to different people What Skills Does The Job Require? What Skills Does The Job Require? The median annual salary for actors is $54,430, although the salary can range from $44,854-$66,456. Yearly Salary? Yearly Salary? The duties required to be an actress are to memorize scripts and getting to know their character. Sometimes scripts change and the actor or actress has to memorize new lines. Job Duties? Job Duties? Actors have to listen to how the director portays the characters, in order for them to bring their character to life, they must wear costumes and props. change their voices and style, and more. Job Duties? (Part Two) Job Duties? (Part Two) Actors often rehearse, and spend hours of time on studying their lines and bringing the character to life. They spend extra time rehearsing their lines for live events where mistakes should barely be made. Job Duties? (Part Three) Job Duties? (Part Three) The career clusters that this job falls under would be Artistic and Social because being an actress includes being artistic, creative, and social. What Career Cluster Is This Job? What Career Cluster Is This Job?
Transcript: Stock Gains on Possible Hardware Production Cuts August 2015 Finance Presentation The Holiday's were kind to Amazon January 2015 Costco Wholesale Ticker Symbol- COST Name of current CEO- W. Craig Jelinek Name of current CFO- Richard Galanti Exchange- NASDAQ WENDY'S P/E Ratio: 868.97 Dividend yield: N/A One share = $608.61 P/E Ratio: 29.01 Dividend yield: 1.03% One share = $155.74 Stock Jumps 5.3% - Tale of the Tape Febuary 2015 Ticker Symbol: WEN Name of current CEO: Emil J. Brolick since 2011 Name of current CFO and Senior VP: Todd A. Penegor since 2013 Non Executive Chairman: Nelson Peltz since 1993 Stock Classifications: Common Exchange: NASDAQ Headquarters: 1155 Perimeter Center West, Atlanta, GA Costco Dow dives 588 points at close - August 2015 Falls 6.29% for August 24 2015 Investment in Consumer Services 1. Amazon stock soars after earnings beat http://money.cnn.com/2015/01/29/investing/amazon-earnings/Stock Gains on Possible 2. Falls 6.29% for August 24 http://www.equities.com/editors-desk/stocks/market-movers/amazoncom-inc-amzn-falls-629-for-august-24 3. Hardware Production Cuts http://www.thestreet.com/story/13269122/1/amazon-amzn-stock-gains-on-possible-hardware-production-cuts.html?puc=yahoo&cm_ven=YAHOO ARTICLES Consumer Services: Costco VS. Amazon RED ROBIN Amazon.com Ticker Symbol- AMZN Name of current CEO- Jeff Bezos Name of current CFO- Brian Olsavsky Exchange- NASDAQ ARTICLES Costco Gains as Oil Prices Remain Low October 2015 Consumer Services 1. Stock Jumps 5.3% - Tale of the Tape http://finance.yahoo.com/news/costco-wholesale-cost-catches-eye-140402705.html 2. Dow dives 588 points at close http://money.cnn.com/2015/08/24/investing/stocks-markets-selloff-china-crash-dow/ 3. Stock Climb After Reporting 2% Increase in September http://www.thestreet.com/story/13317138/1/will-costco-cost-stock-climb-after-reporting-2-increase-in-september-sales.html?puc=yahoo&cm_ven=YAHOO 4. Costco Gains as Oil Prices Remain Low http://www.investopedia.com/articles/markets/102015/costco-gains-oil-prices-remain-low.asp?partner=YahooSA Taylor Tappen Noah Mogil Trever Berger Brett Yamene James Farley Preston Li Ticker Symbol: RRGB CEO & Director: Stephen E. Carley CFO & Senior VP: Stuart B. Brown President and COO: Eric C. Houseman Stock Classification: Common Exchange: NASDAQ Headquarters: Greenwood Village, Colorado DECISION: Amazon: Hold Costco: Hold Amazon Stock Climb After Reporting 2% Increase in September Sales - 2015
Transcript: Credit: Pros and Cons What is Credit? What is Credit? Credit: purchasing a good or service before the payment is made in the near future Pros and Cons with Credit Pros and Cons with Credit Having a credit card and the credit score that accompanies it carries a number of risks with it, but also a number of potential benefits. Pro #1: Financial Backup Pro #1: Financial Backup Can pay for unexpected emergencies Car crash, hospitalization, etc. Con #1: Overspending Con #1: Overspending Feel you can spend more than you have Leads to debt Pro #2: On the Record Pro #2: On the Record Credit cards keep track of payments Helps you with remembering Con #2: Increased Debt Con #2: Increased Debt Defaulting payments late fees and interest increasing debt Convenient to not carry around money, but also convenient for fraud Pro and Con #3: (Too) Convenient Pro and Con #3: (Too) Convenient Pros and Cons are equal Whether or not you have more of one or the other depends on YOU So What's the Takeaway? So What's the Takeaway?
Transcript: 3. Public Finance: the financial dealings of states, as well as related public entities such as school districts or government agencies. Some typical arenas for working in public finance include in actuary (insurance), corporate finance or real estate, financial planning, investment banking, or money management. Undergraduate Finance Association (UFA) What classes are required to be a finance specialization? Employment of financial examiners is projected to grow 6% percent from 2012 to 2022, slower than the average for all occupations. 1. Financial Planning and Analysis 2. Financial Systems 3. Audit Career 4. Pricing Career The Workers in this field stay in line with any economic development, as well as logging and predicting any changes in order to increase their efficiency and profit. Buckeye Capital Investors The world's first bank was Monte Dei Paschi di Siena, which was founded in 1472 and was headquartered in Tuscany, Italy. It is still in operation today. Student loan debt is increasing at an average rate of $3,000 per second in the U.S. Possible Career Paths Skills Needed Possible Career Paths Any Questions/Comments? 1. Capital Finance Associate 2.Finance Expert 3.Finance Manager 4. Finance Specialist 1. Personal Finance: Where decisions are made about paying for education, financing goods such as real estate and vehicles, buying health and property insure, and investing and saving for retirement. Are: Tech Savvy Persuasive Goal-Oriented Highly Organized Have: Strong math skills Attention to detail Strong people skills A desire to collaborate Negotiation skills Possible Career Paths Full time: $56,650 per year Student Organizations: Common Cents Investment Group 2. Corporate Finance: Providing the funds for a business' activities, which can include balancing risk and profitability, studying and forecasting economic trends, reviewing company reports and suggesting efficiencies, working to maximize stock value, managing funds, choosing a portfolio of investments, and applying principles of financial risk management Finance is a broad term that is used to describe a wide field of opportunities with the goal of helping people and companies succeed financially. Employment of financial analysts is projected to grow 16% from 2012 to 2022, faster than the average for all occupations. Projected Job Outlook Risk Management Association Finance PNC Presentation by Morgan Holtzman, Cody Stalder, Drew Haynes Finance Presentation Average Salary: Internship: $2,947 per month Cardinal Health Interesting Facts
Transcript: Hypothesis What is Cellobiose? Mechanism of hydrolysis What is Mushroom? What we get in previous experiment Hypothesis We got standard curve! if pH get lower, the reaction rate increase! if temperature increase, the reaction rate increase Contents Group 2 김경한, 김규식, 유혁준, 정지우, 양윤후 Our research plan What we get in the experiment The handle part of the mushroom's enzyme concentration will be higher than cap part Mushroom Cellobiose is a carbohydrate that contains 2 glucoses with glycoside bond. y intercept Spore-breeding Fungi Some kind of it can be edible Has enzyme to hydrolize cellobiose Hydrolysis slope Our research plan Cellobiose seperate cap and handle part of mushroom extract enzyme compare reaction rate & pH and temperature Glycoside bond You can't eat this!!!
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