Transcript: Show how things would improve Pro Explain your expectations Summarize your recommendation Testimonials Challenges and opportunities WBF Facts Con Rhodri Evans, Investment Executive Future Get your audience excited Idea 2 Pro Pro Finance Wales is uniquely placed to deliver the kind of flexible, tailor-made funding solutions that Welsh SMEs often struggle to find elsewhere. The experienced and progressive environment of the New Investments team is reflected by our positive approach to investment opportunities and if a deal makes commercial sense the chances are we can find a way to fund it. Con Finance Wales understands SMEs and the challenges owners face when growing their businesses because we are an SME ourselves. This gives us a unique perspective as an investor. I enjoy meeting ambitious management teams, learning about their business and finding innovative funding solutions to support their growth plans. Con Explain new strategies Identify the problem Leanna Davies, Investment Executive Idea 1 How problems can be resolved Pro Describe the idea you think is best Wales Business Fund What if we do nothing? Explain what success will bring Finance Wales has invested in numerous North Wales companies but I’m keen to ensure that even more businesses in the region are able to benefit through our investment. Having been born and brought up in North Wales I understand the challenges and opportunities facing companies in the area and really enjoy working with local management teams to structure investments which meet their growth plans Cenydd Rowlands, Senior Investment Executive JEREMIE Con
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: Magnifying Our Stewardship Over Sacred Funds Bacoor Philipines Stake Church Finance Training The Widow's Mite Use of Church Funds The Widow's Mite The Widow’s Mite I hold in my hand a widow’s mite. It was given me in Jerusalem many years ago, and I was told that it is genuine. I have it framed, and I keep it in my office as a constant reminder of the fearsome responsibility of spending that which comes of the consecrations of the members of the Church. Most of the wonderful, faithful Latter-day Saints who pay their tithing are men and women of modest means… Some time back a small, bent, elderly woman came to my office. For the purpose of this talk I shall call her Mary Olsen…She took from her purse her checkbook. She said that she had been a widow for many years, that life had not been easy for her. She had a great love for the Lord and his Church. She had faithfully paid her tithing all her life. She felt she would not live much longer. Now, she said, she felt she ought to be doing more to help than she had done The Widow's Mite In a hand shaky with age, she wrote a check for $5,000. She handed it to me. I noted the address where she lived. It was in a poor neighborhood. I confess that as I looked at that check tears came into my eyes. I have held many larger checks than that in my hands. But as I held the check of this widow woman, I was almost overcome by her faith and the seriousness of the trust that was mine in the expenditure of her consecrated contribution… You and I—are trustees of that which has been given to the Lord by Mary Olsen and thousands like her whose devotion is as great and whose sacrifice is as certain. She gives her offering to the Lord, and she is then released from responsibility. The responsibility then becomes mine—and yours! – President Gordon B. Hinckley Sacred Trust How you administer sacred funds have eternal consequences sacred funds have eternal consequences In the last 35 years in the Philippines Area, 478 trusted priesthood leaders have lost: Church Membership Temple Covenants Sealing to Families Priesthood For not carefully and diligently fulfilling their stewardship over sacred funds. How you administer sacred funds have eternal consequences sacred funds have eternal consequences “I know by sad experience that when a person mishandles the Lord’s resources, he risks losing his place in the kingdom. He may jeopardize his own faith, but surely he will weaken the faith of generations to come.” - Elder Robert D. Hales How you administer sacred funds have eternal consequences sacred funds have eternal consequences Well done, good and faithful servant; thou hast been faithful over a few things, I will make thee ruler over many things: enter thou into the joy of thy lord. Matthew 25:23 Administer Finances In the Lord’s Way Administer Finances In the Lord’s Way Matthew 11:28-30 Come unto me, all ye that labour and are heavy laden, and I will give you rest. Take my yoke upon you, and learn of me; for I am meek and lowly in heart: and ye shall find rest unto your souls. For my yoke is easy, and my burden is light. Trying to do finances your way, will add to your burden, will expose you to temptation, and may eventually lead you to lose all. Following the instructions, and using the tools, provided by the Lord is the EASY way. Learn and follow His Ways and your burden will be light. PREPARING BUDGET REQUEST Bishop/Stake President Organization Representative(s) Clerk/Financial Clerk(s) (1) Checks Activity Calendar for the Following Month (2) Confirms Activity Budget (3) Provides duly signed Payment Approval Form (PAF) to Clerk at Least 2 Weeks Prior to Intended Activity (4) Checks PAF and available budget (5) Provides Consolidated Budget Request and PAF from ALL ward officers to Bishop (6) Approves PAF (7) Withdraw Consolidated Amount of Budget Request or Use AUB for Direct Purchase. (12) Signs form acknowledging receipt of excess cash. Excess Cash returns to the COH or redeposited (if month-end) (8) Receives Cash from Bishop/Clerk (9) Signs PAF as Proof that Requested Amount was Received (10) Utilize the Sacred Cash Fund with Care and Frugality (11) Give ALL Official Receipts to the Ward Financial Clerk(s) and Narrative Report on the Nearest Sunday After the Activity, and Excess Cash to the Bishop (13) Transaction entered in LCR. Scanned and uploaded PAF (duly signed) with attached Supporting Documents (OR, FOR, Bishop’s Guide SRP page 1) in LCR and hard copy securely filed and retained for 10 years + current year. PAYMENT APPROVAL FORM PAYMENT APPROVAL FORM Sign PAF Preparing Payment Approval Form Cash Advance Cash Advance with excess cash Reimbursement ACTIVITY eSign PDF with Electronic Signature Online ACTIVITY
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: £4,500 In April 2013, Horizon moved to Assembly Walk Horizon Salaries The early days... Andrew Smith THE FAITH CHALLENGE 2010 to 2015 Replacing the gas supply 2015-16 Shona McKay Andrew Smith September 2011 Leaking kitchen roof THANK YOU Tony and Laura in Brazil Horizon Ministries Ian Green = £70,000 +++ £23,000 Dave and Judith Smith Horizon Employees Kitchen, sports, and toy donations Elaine Oliver Andrew Smith October 2010 People in Need Horizon Church Sutton 1st Birthday First Meeting at St Johns The Circle, The Hub & Selah £20,000 Homestart, council training events, area committee meetings Salary contributions for grant projects God has provided TBC Horizon Giving Elaine Oliver The Faith Challenge The move to Christchurch Hall Hire 2010 Finance and Faith Horizon's top priority is to invest in people Horizon Church Sutton Horizon volunteered 7,854 hours each year!!! Horizon Employees 2015 Shona McKay Dave and Judith Smith Emily Berrill Horizon Employees 2015 Shona McKay Dave and Judith Smith Emily Berrill
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
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