TFIN102: The Principles of Finance - Business Analyst for Century Ltd - Finance Assignment Help

Assignment Task:

Q1. Being a Business Analyst for Century Ltd, Rose Mack, one of your clients, would like to open up a new business. Rose has considered starting a business of her own. However, she does not know anything about business. As a result, Rose approached you to give her a brief tutorial on business and finance. To begin her lesson, Ms. Mack has asked you to answer the following questions: (Each Question is worth 1 Mark to total to 10 Marks). 

A. What is finance, and why is it important to understand finance to run a successful business? (2 Marks)

B. What are the alternative forms of business organisation in Australia? What are the advantages and disadvantages of each? (2 Marks).

C. Explain what differences in tax rates exist between different business organisations in Australia? (2 Marks).

D. What is business Ethics? (2 Marks).

E. What is a Corporate Governance and what is its purpose? (2 Marks) 

Q2. The global financial crisis (GFC) that occurred during the period of 2007-2009, had affected nearly all the economies in the world including the developed ones. The impacts include loss of employments, fall in income level, decreased in consumption level, reduction in purchasing power of consumers, rise in inflation rate and scarcity or shortage of funds. The GFC also had specific impacts on the financial markets including banks and financial institutions. (10 Marks). 

A. Outline the impact of the GFC for financial regulatory authorities around the world (2 Marks). Why did not the Australian financial system suffer as much impact like other developed economies (2 Marks)?

B. What is the primary role of the financial system in the economy? (2 Marks).

C. Why is it essential to have a well-functioning financial system? (2 Marks). D. What are the key regulators of finance companies and what roles do they have in overseeing their operations? (2 Marks). 

Q3. Babu San is planning to save for his son’s university education. His son is currently 11 years old and will begin university in 7 years. Babu has an index fund investment of $17 500 earning 9.5 per cent annually. Total expenses currently at the University of Sydney where his son says he plans to go, are expected to be $35 000 per year. Babu plans to invest a certain amount in an investment fund that will earn 11 per cent annually to make up the difference between the education expenses and his current savings. In total, Babu will make seven equal investments with the first starting today and with the last being made a year before his son begins university. (10 Marks). 

A. What will be the present value of the 4 years of education expenses at the time that Babu’s son starts university? Assume a discount rate of 6 per cent. (3 Marks).

B. What will be the value of the index fund when his son just starts university? 

C. What is the amount that Babu will have to have saved when his son turns 18 if Babu plans to cover all of his son’s university expenses? (2 Marks). D. How much will Babu have to invest every year in order for him to have enough funds to cover all his son’s expenses? (2 Marks). 

Q4. Ross has some finance questions which he approached you for advice. Please answer the following questions for Ross. (10 Marks) 

A. Explain why cash flows occurring at different times must be adjusted to reflect their value as of a common date before they can be compared, and calculate the present value and future value for multiple cash flows. (3 Marks). 

B. Describe how to calculate the present value and the future value of an ordinary annuity and how an ordinary annuity differs from an annuity due. (3 Marks). 

C. Explain what perpetuities are, where we see them in business, and calculate the present values of perpetuities. (2 Marks). 

D. Discuss why the effective annual interest rate (EAR) is the appropriate way to annualise interest rates, and calculate EAR. (2 Marks). 

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