700 words find five different online mortgage lenders B u s i n e s s F i n a n c e

1ST

Deliverable Length: 500 words

Describe 3 differences between perpetuities and annuities. Give examples of both types of products, the risks involved in each, and their composition. (Please do not refer to British consols taken from the Internet in your response.)

Provide a definition for perpetuity and annuity cash flow structures.
Why would an investor prefer one cash flow structure over the other given the time value of money?
What does a preference of one product over the other say about the investor’s expectation about the time value of money?
What would be the present value of a $3,000 perpetuity paid in lump sum annually using a discount rate of 10%?

Objective: Demonstrate an understanding of the time value of money

2ND
Deliverable Length: 700 words

Find five different online mortgage lenders such as http://

From these five lenders, find the following mortgage rates: 15 year (if available) and 30 year.

Convert the Annual Percentage Rates into Effective Annual Rates (EAR’s).

Discuss which rate is actually the lowest rate and highest rate. Why is this the case?

Present the quoted (stated) rate, APR, and EAR rates in a table listing the lender, and length of loan.
Why do the different lenders have different rates?
Explain how the Truth in Lending Act governs the APR?
What are three common mistakes most homebuyers make when looking at quoted mortgage rates?
Considering the time value of money, if an investor choses a 30 year mortgage, what does that choice indicate about their expectations of the time value of money?
Is the difference in rates going to have a material impact on the cost to the home buyer? Explain your answer.

Objective: Demonstrate an understanding of the time value of money
Demonstrate the ability to perform interest rate calculations for single and multiple time period cash flows.
Demonstrate the ability to calculate the future value and present value of annuities.

3RD

Deliverable Length: 400 words

You and your fellow operations department teammates have been debating which companies are the best examples of applying supply chain management.

Provide 3 examples of what you consider to be good, real business cases that have benefited from effective supply chain networks and supply chain drivers.
What was the uniqueness of their supply chain design as it relates to their success (network, process, drivers, management, etc.)?
How did these 3 companies benefit from supply chain?
What can your company learn from these examples?
Include an introduction and a conclusion in addition to the 3 paragraphs.
Be sure to include your references, and format your submission in APA format.

Objective: Develop a systematic framework for analyzing the behavior of complex supply chain networks and supply chain drivers.

4TH
Deliverable Length: 1,000 words

The warehouse manager thought your presentation on operations management was extremely valuable to the company. He now wants to shift the conversation to focus on his warehouse department. You told him a little about supply chain design and how it could improve inventory management. He is interested in hearing more about supply chain design and wants his department staff to also be aware of this valuable resource. He has asked you to create a memo that will be sent out to everyone in his department.

Draft a memo of 1,000 words explaining to your warehouse managers how effective supply chain design could help to enhance profitability and stakeholder value for the company, including the following:

Provide an analysis of the behaviors of supply chain networks and supply chain drivers in your memo.
Explain how supply chain impacts distribution of assets and resources.
The memo should include a visual representation of an example supply chain network using the “Shape” or SmartArt” option in MS Word.

Objective: Develop a systematic framework for analyzing the behavior of complex supply chain networks and supply chain drivers.