PT Persib Bandung Bermartabat is the company that manages a regional football team in Indonesia, the Persib Bandung Football Team. The company already has a merchandise store for the football team, ...but PT Persib Bandung Bermartabat needs to open a store that is suitable for Persib supporters’ desires. This study aims to discover whether or not building a new PT Persib Bandung Bermartabat merchandise store is financially feasible for PT Persib Bandung Bermartabat. As a result of this study, this project is shown to be financially feasible because this project will be profitable for the company and give a good return. The NPV of this project is positive and the Profitability Index of this project is greater than one. IRR is greater than the Cost of Capital, and Discounted Payback Period is faster than the time projection of this project. However, one thing that needs to be monitored is that the company should maintain the COGS of this project in order to make certain the COGS do not change too much from the current assumptions that are used in this financial projection. A slight change of COGS will have a big impact on the profit of this project. The company also should ensure that the Target Market Growth of this project is not less than 3,20% because it will make this project unprofitable.
An increasingly confirmed theory in recent decades claims that a product is purchased for what it represents for the customer, and not for what it is itself (subjective utility theory), the product ...is purchased for the service they provide, for the safety, for the comfort, for fashion, for what it gives to its user. Life insurance is a way of financial protection, safeguard and preserve the family property. It is part of a family financial plan, along with other real estate investments, shares, bank deposits, insurance is a guarantee fund related to the availability of needed cash in case of unexpected situations, without being affected the other saving forms, usually with pre-established terms.
In the current and foreseeable harsh UK higher education environment, aspiring to best- practice financial management will be key to ensuring the prosperity - and indeed the survival - of any ...university. In this article I argue that good university financial management should provide stability to the institution, allow for investment as well as renewal and the exploitation of opportunity, be transparent enough to facilitate accountability and good governance, and ensure that the institution allocates resources efficiently in the context of its strategic plan. I explore in detail the issues relating to this fundamental definition of good financial management, including the role of financial management in inducing stability, short-term solvency and reserves, managing financial risk, capital expenditure and long-range planning, developing a diversified funding base, embedding good financial management in university culture, the relationship between financial planning and strategic planning, and financial accounting and control.
The article motivates the directions for improving the methodology, methods and organization of financial planning in the activity of enterprises in the context of introducing a conceptual approach ...of financial equilibrium. The principles of financial planning are considered in the process of development and in the modern conditions of economic activity. The improvement of methodological provision of financial planning for enterprises is considered in the context of financial management of an enterprise, which answers the principles of indicative planning.
Due to the accelerated development of technology, innovation and growth of the games market, we can identify that very promising perspectives for several segments linked to the area of virtual ...reality, due to the growing insecurity caused by urban violence, it appears that society is choosing to seek safe fun. Faced with this scenario, a group of executives idealized the creation of the company HRVA - Hiper Realidade Virtual Rápida S.A. that aims to provide its customers with fun and entertainment at parties, and to count on making a profit in this niche market. The analysis of the internal and external environment was essential to assess the opportunities and threats of this segment, it was possible to identify that HRVA's strengths will be sufficient to have a significant Market Share. The financial plan presents simulations considering possible variations in consumption, and changes in the internal and external economy. The target audience for our products is university students and the elderly, without sex. With the nationalization of 75% of the raw material and 65% of the software, we have a product with competitiveness in the national market and after the stability of domestic sales, the executives' goal is to start exporting to Latin America.
Devido ao desenvolvimento acelerado da tecnologia, inovação e crescimento do mercado de jogos, podemos identificar que perspectivas bastante promissoras para diversos segmentos vinculados à área da realidade virtual, em virtude da crescente insegurança proporcionada pela violência urbana, verifica-se que a sociedade está optando por buscar divertimento seguro. Diante desse cenário um grupo de executivos idealiza a criação da empresa HRVA – Hiper Realidade Virtual Avançada S.A. que tem como objetivo proporcionar aos seus clientes diversão e entretenimento em Festas, e em contar partida ter lucro neste nicho de mercado. A análise do ambiente interno e externo foi fundamental para avaliar as oportunidades e ameaças deste segmento, foi possível identificar que as forças da HRVA serão suficientes para termos um Market Share significativo. O plano financeiro apresenta simulações considerando possíveis variações de consumo, e alteração na economia interna e externa. O público alvo do nossos produtos são universitários e a terceira idade, sem destinação de sexo. Com a nacionalização de 75% da matéria prima e 65% do software temos um produto com competitividade junto ao mercado nacional e após a estabilidade das vendas internas o objetivo dos executivos é iniciar a exportação para América Latina.
Debido al acelerado desarrollo de la tecnología, la innovación y el crecimiento del mercado de los juegos, podemos identificar que perspectivas muy prometedoras para varios segmentos vinculados al área de la realidad virtual, debido a la creciente inseguridad provocada por la violencia urbana, parece que la sociedad está elegir buscar diversión segura. Ante este escenario, un grupo de ejecutivos idealizó la creación de la empresa HRVA - Hiper Realidade Virtual Rápida S.A. que tiene como objetivo brindar a sus clientes diversión y entretenimiento en las fiestas, y contar con la obtención de ganancias en este nicho de mercado. El análisis del entorno interno y externo fue fundamental para evaluar las oportunidades y amenazas de este segmento, se pudo identificar que las fortalezas de HRVA serán suficientes para tener una Participación de Mercado significativa. El plan financiero presenta simulaciones considerando posibles variaciones en el consumo y cambios en la economía interna y externa. El público objetivo de nuestros productos son estudiantes universitarios y personas mayores, sin sexo. Con la nacionalización del 75% de la materia prima y el 65% del software, tenemos un producto con competitividad en el mercado nacional y luego de la estabilidad de las ventas internas, la meta de los ejecutivos es comenzar a exportar a Latinoamérica.
Flu pandemics have occurred regularly throughout recorded history. Preparation now will determine which home care agencies survive the next flu pandemic financially. This article discusses six cost ...areas that will affect the home care agency bottom line. These areas include supplies, staff shortages, reimbursement issues, vaccine and antiviral medication, unusual costs associated with a pandemic, and planning. Many suggestions for financial survival are offered. Major suggestions include financial planning in advance of a pandemic, stockpiling six essential supplies to last at least a 6- to 8-week period, and vigorous political action to pass a federal home care pandemic insurance plan and a federal home care paperwork modification plan to be implemented when the government declares a pandemic emergency regionally or nationally.
Dispensing Advice on Insurance Rattiner, Jeffrey H
Rattiner's Secrets of Financial Planning,
2020, 2020-10-13
Book Chapter
Insurance (risk transfer) is only one way of dealing with client risk. This chapter discusses the options for risk management and the elements for a risk to be insurable. Working through the client’s ...potential risk exposures is the surefire way to make sure coverage is adequate. Life insurance is a unique and critical part of any financial plan. There are two primary types of life insurance: term insurance and cash value insurance. Whole life is the basic form of traditional permanent insurance. It features a guaranteed death benefit, a guaranteed premium, and a guaranteed cash value. Variable life policies are a form of insurance that invests the policyholder’s contributions into a securities portfolio selected by the policyholder. The basic provisions of any long‐term care insurance policy include a specified monthly benefit and the definition of when the individual is eligible for benefits.
In the operation of agricultural enterprises, changes should cause an increase in the demand on planning. But, practically just a contrary tendence appears. 35 managers was asked in a standard ...interview, who found the circumstances quite uncertain for production. Decreasing the risc and uncertainty, the apply different methods - but the rank of planning is still only at the 4th place. 97% of enterprises prepare financial plans, 91% fix production plans. Other partial plans are made in quite a low rate. 77% of enterprises examined are fixing only short term, annual plans.
