Running head: FINAL PROJECT PART III 1 7-2 Final Project Submission, Part Three Beatrice Koech SNHU 2 FINAL PROJECT PART III 7-2 Final Project Submission, Part Three School vs Work: Finance Your Education Frankly, although I would finish at $812,500, I wouldn't sell the inventories/bonds. It not only helps me to pay for my education but also gives me $712,500 more. However, I would have 1,625,000 if I allowed it to mature for 10 years. In the meantime, I might find student loans and grants to assist me with the school while awaiting the maturity of stocks. I will build a payment plan, and then I can pay anything that remains due when I sell the stocks after the 10-year mark and still have cash for everyday life. Advantages and Disadvantages Stocks and bonds have different risk rates and respond to changes in the financial markets differently. Investing money can help you and it can also help you no more. The benefits of stocks are higher returns than other forms of long-term investment. Many shares pay for dividends that cushion you when the share price drops. This could be used as more income or for the acquisition of more stock shares. The disadvantage of inventories is that the share price can fall and rise very fast. You're not sure what the stock market will offer for that day. There's no guarantee that you are going to make a profit out of your stocks. The stock market might collapse and you will lose all of your money if you don't react properly. As shares usually do, bonds have no sudden rises and drops. Those bonds can provide people with a good income. America. The United States. Treasury liquidity and stability securities can provide. The disadvantages of bonds are lower returns over the long run. As interest rates rise, 3 FINAL PROJECT PART III bond prices usually decrease. As interest rates rise and drop, they suffer from price fluctuations. You can see that stocks and bonds have their own risk and payment scheme. Choose to Sell This calculation demonstrates my intention of selling all of 500 stock shares 1000* 3.25%* 5=1625 * 500=812,500. The estimate indicates that each stock has a facial price of 1000 dollars, with a rate of 3.25 per cent. The price per bond is $1,625. Currently, I am getting $812,500 if I add $1,625 for every 500 shares. I would be 1000* 3.25 million* 10=3,250* 500= 1, 625,000 if I decided to wait and go for the entire decade. Although the sum is significantly higher, I now need the money to pay for my schooling. Therefore, I would sell my stocks directly to pay for my education. Not only could I use the money to keep me on my feet, but I could also reinvest again in Hershey shares. This will help me in my schooling, as I said, and help me to stay stable until I can get a better job. Accept the Job I think the best way to hold on to the stocks. I chose it because inventories are steadily increasing. If interest rates increase, stocks would allow me to earn a steady income each month, where one-time 5,000 is spent very quickly. If I chose to do the job, my stocks would attain their maturity and give me around $67,708 of extra income. I would have very few funds to cover any of my costs for college. I could make a lump sum of the extra revenue then I would pay the rest. I will ultimately owe around $32,292, paying 100 at 322.92 which can take me nearly eight years to pay. I can extend it and make the payments lower if necessary for about 10 years. 4 FINAL PROJECT PART III Bonus vs. Stock: Offered The bonus is five thousand and the bonus on the stock is 100* 5 is 5,000. Both are the same right now, as we can see mathematically. If I choose to buy, however, I might lose money, but it might go in my favor on the other hand and I would makeover 5,000 profit. I feel that it would be the best decision to take the option of stocks which in the long run, I hope it would be beneficial for me. I can sell and get more cash than the original 5,000 when the price rises. Advantages & Disadvantages It would be instant gratification if I took the money. Although I would be aware that other workers would have had more than myself if I did not take the bond Bonus instead. When I picked up the stock, the money would be postponed, because we needed the inventory to grow and go up. There is a chance, though, that the stock will collapse and potentially lose out of that bonus if the Business doesn't do well, while I'd have the cash bonus and not lose anything. The higher people may think I do not like the business if I take the cash bonus. I almost seemed to have no confidence in the company so instead, I take the cash bonus to get my bonus. All this is done in the end to how much a person likes to play with their money and take risks. I'm not a big risk taker but I'd like to look great for the business at this stage and don't want the company to underestimate them so I'd take the cash reward stock option. Choose I definitely would pick an option for stock. It would set me up in the long run if unexpected things were to happen. I'd have earned more money than keeping the original five thousand. Even though I have to wait until I earn this stock, the reward is so much higher than the 5,000 cash bonus. 5 FINAL PROJECT PART III Compliance: Investigating What is the 1933 Securities Act? The 1933 securities Act was passed in the Congress in, following the crash of the stock market in 1929 and the United States in the Great Depression. This act requires that the Securities and Exchange Commission approve any sale or offer of investment using interstate trade (Securities Act of 1933, 2019). If the Company doesn't file with the Securities Act of 1933, instead, by using a tool of any prospectus or by sending mail for the purpose of selling or distributing after the sale, it is illegal for anyone directly or indirectly to use any transportation means of interstate trade or mails. Accepting We make approximately $146,150 annually as financial managers. They educate on cost savings and benefit maximization. We work in all kinds of companies so we have very important duties for what we do, that we have to do correctly and promptly (Parker, 2019). Financial managers must be aware of how financial reports are structured. They must be able to make important business decisions by having strong analytical skills. In order to make informed financial choices, a business manager must be able to interpret financial ratios and quality indicators. It is the duty of financial managers to carry out their work with dignity. Expenditure statements must be consistent with the mission of the company and investors should not be deceived by fraudulent investments. You as a financial manager should be discreet when reviewing all financial statements, discussing the documents and describing the company's expense flow. Financial managers deal with clients to provide audit reports (Duggan, 2019). 6 FINAL PROJECT PART III References Pros and Cons of stocks and bonds. (2019, August 17). Retrieved from Capital Group American Funds: https://americanfundsretirement.retire.americanfunds.com/planning/strategy/whatis-asset-allocation/stocks-and-bonds.html Securities Act of 1933. (2019, August 18). Retrieved from LAWS 5 U.S. Code § 77fff. Securities not registered under Securities Act. (2019, August 18). Retrieved from Cornell Law School: https://www.law.cornell.edu/uscode/text/15/77fff Duggan, T. (2019, August 18). What Does a Competent Business Manager Need to Know about Finance.
