Finance Discussion

QUESTIONS FOR DISCUSSION
1. What sorts of conditions must be met for a small business to borrow money? Is it easier for larger corporations to borrow money from banks? Why or why not?

2. What sort of companies are good to invest in these days? What sorts of products or commodities will yield high returns?

3. If borrowers don't pay back loans, what can happen? Can bigger corporations avoid paying their debts? If so, how?

4. Giant American carmaker GM is losing about $2.5 billion per year. They have about $50 billion in assets. Will they go bankrupt soon? Should banks be allowed to just write off bad debts for big employers? Why or why not?

5. How is corporate finance different from personal finance? How are they similar?

Finance Test

Finance Review Test
1. Two types of ____________ accounts are savings accounts and ____________ accounts.

2. TD Bank allows you to make 20 ________________ per month without penalty. These include ____________________, __________________ and transfers.

3. If you have a negative balance, you are in ______________________.

4. If you have enough funds to cover your check's amount, it will ________________. If you don't have enough, it will _______________________.

5. People who want to __________________ in real estate but don't have enough funds to pay a ______________ sum for the property must ______________ out a ___________________.

6. To borrow money, you must have some kind of ____________________, like a house or some other thing of value.

7. Investors want to get a high ____________________ on their investment. People who ____________________ in the stock market should research their stocks carefully.

8. In the world of corporate ______________________, balance _____________ are essential. They always show assets and _________________________.

9. ____________________ assets include things like machinery and property. These things are not usually sold.

10. ____________________ assets are things that have value that can be measured, like property or furniture. ______________________ assets are more abstract concepts, like morale, loyalty or brain power.

Assignment #3 Sho

PEER EDITED

Dear Mr Sprite.


I am writing in regard to your itinerary for meeting with Terriaki Incorporated in Tokyo on Monday.

Arriving on Friday. You will not feel on Monday. It also might be a good idea that you eat Terriaki incorporated's terriaki until Monday.

Meeting on Monday.

Coming back to Chikago on Thursday.After meeting, you will stay to follow up with any other contacts you have.

Please find attached a file containing more detail information.

Best regards

Sho Ishikawa

assignment #3 Rachael

PEER EDITED
Dear Mr. Sam Sprite,

I am writing to confirm your itinerary on behalf of Paul Revere.
As you know, you will be attending the meeting with Terriaki Incorporated in Tokyo on Monday.
I have summorized your itinerary below.
You will leave for Tokyo by the Air Canada flight at 08:30 a.m. on Friday. After arriving there, you will have ample time before the meeting.
On Monday, you will have the meeting with Terriaki Incorporated at 09:00 a.m..
You will stay several days to follow up with any other contacts until Thurday.
Finally, you will come back to Vancouver by the Air Canada flight at 11:45 a.m on Thurday.
You can check more detailed information in the attachment.

I hope that your meeting will be successful. Good luck!

Rachael,
the executive assistant to Paul Revere

3 Kenta Kato

EDITED VERSION BELOW
Dear Mr.Sam Sprite,

I am writing (on behalf of Paul Revere) regarding your trip for the meeting in Japan on behalf of Paul Revere.

Please see (a summary of your itinerary below) below for breif information .

7:00 P.M, June 7 (Wed): Set off from Vancouver airport

????P.M, June 8(Thu):Arrive at Narita airport, Check in at Loyal Hotel

1:00P.M, June 9(Fri):Have pre-meeting at Tokyo ???

Saturday and Sunday... extraday (extra time), in case you don't complete the pre-meeting

2:00P.M (Mon):Meeting

From Tuesday to Wednesday, you will (be able to) spend time on following up (with your contacts)

7:00P.M(Thu):Leave Japan

For more detailed information, please find attached the (attached) file (containing your full itinerary).

I believe your trip will be productive and meaningful.

Best regards,

Kenta Kato executive assistant

JONATHON'S NOTES: Your message is good overall, but in a few places you have mixed up your word order or left out some important phrases. Check how I've edited it and fix it up. Good luck on your future writing assignments.

Assignment#3 Yuki

EDITED VERSION BELOW
Dear Mr. Sam Sprie,

I am writing with regard to your itinerary of (your) meeting with terriaki incorporated in Japan.
Please find attached a copy of (the) itinerary of meeting in Japan (REDUNDANT).
Also, I am wrinting (writing) your itinerary below.

The meeting will be held in Tokyo on Monday. The outward fright will be on Friday, and (the) return fright will be on next Thurseday. You will spent 5 days in Tokyo. I will make hotel arrangements for you from Saturday to Wednesday.

Please contact me if you need more details about this itinerary.

Best regards,

Yuki Kakushima

JONATHON'S NOTES: Very good! However, you might have stressed that Sam should take Tuesday and Wednesday to follow up with contacts from Monday's meeting. Overall, well done.

Assignment#3 akihito

PEER EDITED
Dear Mr. Sam Sprite,

I'm writing in regard to your meeting in Japan.
Please find the attachments of your itinerary for your stay in Japan and.
Below is a basic of your itinerary,

Friday: Arrive in Japan at 20:00
Saturday-Sunday: Visit Terriaki Incorporated
Monday: Meeting
Tuesday: Follow up
Wednesday: Follow up & Go back

Best regards,

Akihito

Assignment #3: Jennifer !

PEER EDITED
Dear Mr. Sam Sprite,

I'm writing on behalf of Paul Revere regarding your upcoming trip to Tokyo, Japan.
Please find the attached file which includes your itinerary.

I have also written your itinerary below.

* Friday : Arrive in Tokyo
* Saturday-Sunday : Visit Terriaki Incorporated
* Monday : Meeting
* Tuesday-Thursday : Follow up
* Friday : Arrive in Chicago

If you have any questions, please do not hesitate to contact me.

Sincerely,

Jennifer
Executive assistant to Paul Revere

assignment #3-becky-yu jiuan huang

PEER EDITED
Dear Mr. Sam Sprite,

I am Becky, the executive assistant to Paul Revere, and I am writing concerning your itinerary for Tokyo.

Please find attached a copy of the itinerary.

And I also summarized below:

-Friday-take plane to Tokyo at 6:00 p.m.

-Saturday & Sunday-visit Terriaki Incorporated

-Monday--have a meeting with Terriaki Incorporated

-Tuesday & Wednesday--follow up

-Thursday--back to Chicago at 5:00 p.m.

If you have any questions, please do not hesitate to contact me.

Best regards,

Becky

Assignment #3: Getting Organized

You are the executive assistant to Paul Revere, the President of Freedom Holdings, an investment company in Chicago.

Paul has assigned you to arrange and send over a copy of the itinerary for Sam Sprite, the new marketing manager for Freedom Holdings. Paul doesn't have time to make the arrangements, so you'll have to do it for Sam (who is a new employee with the company).

Send over his itinerary for meeting with Terriaki Incorporated in Tokyo on Monday. You can include an atachment with the information but you should also send the information in text format.

Be creative with Sam's itinerary. Allow him ample time to get to Japan before the meeting. He should stay a few extra days to follow up with any other contacts he has.

Good luck!

Assignment #2 Yuki

Dear Ms. Rosa Jacson,

I am writing in regard to your request form.

Unfortunately, my computer is out of order because of system trouble, so I am not able to read you previous email. Also, I am not be able to open the attachments which you included to illustrate your problem.

Please accept my deepest apologies. I would be greateful if you could send me the email and attachment again.

Best regards,

Yuki Kakushima


EDITED VERSION BELOW
Dear Ms. Rosa Jackson,

I am writing in regard to your request form.

Unfortunately, my computer is out of work (out of order) because of system trouble, so I am not be able to read your prevoius email, and also I (TOO LONG: email. Also, I) am not be able to open the attachments inculuding some illustration of (which you included to illustrate) your problem.

Please accept my deepest apporogies (apologies). I would be greateful if you could send me the email and attachment again.

Best regards,

Yuki Kakushima

JONATHON'S NOTES: Good job! You had just a few minor problems with word selection, but your overall use of target language is good.

Assignment #2, Rachael.

Dear Ms. Rosa Jackson,

I am the customer service representative for Computer Nerds Inc. I am writing to apologize for our own computer problem.

Unfortunately, our own computer system crashed on Friday, So your information has been lost due to file corruption. In addition, I cannot read any of the attachments in your previous email request for service, which included some JPEGs and a PDF file to illustrate your problem. Also, part of the text in the email message itself has been corrupted and is unreadable.

As a result, I would be grateful if you could re-send your information. Also, I ask you to re-send the attachments because it is exxencial to fulfill your request for service.

Please accept my sincerelest apology for the problem. We trust that there will be no mistake in the future anymore.

Best regards,

Rachael
Computer Nerds Inc. Customer Service

assinment#2 Akihoto

Dear Ms. Rosa Jackson,


Thank you for sending a e-mail your request for service.
Unfortunately, our own computer had a ploblem on Friday and I'm anable to read any of the attachments of your e-mail due to file corruption. Also, part of the text in the e-mail message itself had been corrupted and was unreadable.

Would it be possible to send me it again on Monday REDUNDANT?

Please find my deepest apologies.

Best regards,

Akihito

EDITED VERSION BELOW
Dear, Ms. Rosa Jackson (Dear Ms. Rosa Jackson,)

Thank you for sending me a e-mail (your request for service).
Unfortunatry (Unfortunately), our own computer had a problem on Friday and I'm anable (I was unable) to read any of the attachments of your email due to file corruption. Also, part of the text in the email message itself had been corrupted and was unreadable.

Would it be possible to send me it again on Monday (REDUNDANT)?

Please accept my deepest apologies.

Best regards,

Akihito

JONATHON'S NOTES: Akihito, good job! You've written a very clear message with only a few minor problems. Good use of the target language. Also, be careful with that first part with the Ms. Name plus comma.

Assignment 2-becky, yu jiuan huang

Dear Ms. Rosa Jackson,

I am writing concerning your service request.

Please accept my deepest apologies, but due to techical problems from Friday until Monday, I was not able to see your previous email and attachments. Would it be possible to send it again?(Please attach the JPES and a PDF file again).

Many thanks,

Becky




EDITED VERSION BELOW
Dear Ms. Rosa Jackson,

I am writing conce(r)ning your service request.

Please accept my deepest apologies, but due to techical problems from Friday until Monday, I was not able to see your previous email and attachments. Would it be possible to send it again?(please included JPEGs and a PDF file) (Please attach the JPEGS and PDF file again).

Many thanks,

Becky

JONATHON'S NOTES: Becky, I think you've written the most concise message of the entire class, but you've used the target language well and the message is fine overall. Good luck on the last assignment.

Assignment#2,Sho

Dear Ms. Rosa Jackson,

I am writing in regard to your e mail. Please accept my sincerest apologies. Unfortunately your information you sent to us by email went missing due to some technical issues on our end. I only discovered the ploblem on Monday. Would it be possible for you to re-send me your information,



EDITED VERSION BELOW
Dear Rosa jackson (Ms. Rosa Jackson,)

I am writing in regard to your email. Please accept my sincerest apologies. Unfortunately your information you sent to us by email were (went) missing due to crash of my computer (DON'T BE SO SPECIFIC HERE: some technical issues on our end). And I could not find what the ploblem is until Monday. (BETTER: I only discovered the problem on Monday).
Would it be possible for you to re-send me your information, including the attachment(s)?

Sincerely,

Sho ishikawa

JONATHON'S NOTES: Sho, well done! The message is concise but effective. Please look at how I've edited some of your sentences. Good luck with the next assignment.

Assignment #2: Jennifer !

Dear Ms. Rosa Jackson,

I am writing regarding your request for service.

Unfortunately, our computer system crashed on Friday, but we did not discover that until
Monday.
It seems your files were corrupted. As a result, I wasn't able to read your massage or open
the JPEGs or PDF files you attached.

Please accept my sincerest apologies.
Would it be possible to send your message about the problem again, including the attachments?

Best regards,

Jennfer Park

EDITED WITH NOTES
Dear Ms. Rosa Jackson,

I am writing regarding your request for service.

Unfortumately, Our conputer system crashed on Friday, but we did not discover that until Monday.

Unfortunately, (DON'T USE UNFORTUNATELY TWICE - It seems) your files were corrupted so I couldn't read any information including the text, JPEGs and PDF file which you sent to illustrate your problem. (corrupted. As a result, I wasn't able to read your message or open the JPEGs or PDF files you attached.)

As a result I can fulfill your request for service. (REDUNDANT)

Please accept my sincerest apologies.

Would it be possible to send it again about your problem including the attachments. (Would it be possible to send your message about the problem again, including the attachments?)
Best regards,

Jennfer Park

JONATHON'S NOTES: Your writing is pretty good overall, but your use of the target language is not 100% correct. Please have a look at how I've edited it. Good luck with Assignment number 3!

assignment 2 Kenta Kato

Dear Ms.Rosa Jackson,

Please accept my sinserest apologies. Unfortunately, due to some technical difficulties, your information has been lost. As well as, I am unable to read any attachment you requested.

Also, part of the massage you sent is unreadable.

Would it be possible for you to re-send your information, including the JPEG and PDF attachments?

Many thanks,

Kenta Kato

WITH EDITING NOTES
Dear Ms. Rosa Jackson,

Please accept my sincerest apologies. Unfortunately, due to some technical difficulties, your information has been lost as well as I am unable to read (lost. As well, I am unable to read) any attachment you requested.

Also, part of the email message you sent is unreadable.

Would it be possible for you to re-send your information, including the attachment (JPEG and a PDF file)? (including the JPEG and PDF attachments?)

Many thanks,

Kenta Kato

JONATHON'S NOTES: Well done. Aside from some minor sentence structure problems, you've written a very good message. Good luck with assignment number 3.

Assignment #2: Sharing information

You are the Customer Service representative for a small company, Computer Nerds Inc. Your company provides clients with computer technicians to deal with any computer-related problem, big or small.

Your own computer system crashed on Friday and the problem wasn't discovered until Monday.

Unfortunately, it seems that one client's information has been lost due to file corruption. You cannot read any of the attachments in her previous email request for service, which included some JPEGs and a PDF file to illustrate her problem. Also, part of the text in the email message itself has been corrupted and is unreadable. As a result, you cannot fulfill her request for service. It's an embarrassing problem, given the nature of your business.

Contact the client, Rosa Jackson, by email. Briefly explain the reason why you are contacting her. Then, ask her to re-send her information, including the attachment.

Remember to use the target language. Good luck!

Assignment #1: Hugo

Dear Sally,

i'm writing with regard to technology convention in Las Vegas. i want to know about your plane.
i'm not sure when you will be getting back to the office.
Also i would like to give you the information to check in your laptop before the conference.
Plase find attached a sales report for the last business quarter, a spreadsheet of clients you should try to meet, a forecast of future sales and the new specifications for minimal requirements for use of our software.

Thank you so much and good luck.Sincerely,
Hugo

EDITED VERSION BELOW
Dear Sally,

i'm (I'm - ALWAYS USE THE CAPITAL I instead of the lower case i when using the pronoun) writing with regard to (your itinerary for the) technology convention in Las Vegas. i want (would like) to know about your plane (plans, as) i'm not sure when you will be getting back to the office.

Also i would like to give you the information to check in (on) your laptop before the conference. Plase (Please) find attached a sales report for the last business quarter, a spreadsheet of clients you should try to meet, a forecast of future sales and the new specifications for minimal requirements for use of our software.

Thank you so much and good luck.

Sincerely,

Hugo

JONATHON'S NOTES: Hugo, you've written a fairly clear message and used all of the target language. Hopefully, you will have enough time to write your next assignment by yourself. Good luck on your next assignment.

Assignment #1: Information, Jennifer

Dear Sally,

I'm sending this email regaring your convention itinerary. I'm not sure when you're getting back to the office. Please let me know about that. Also I want to know if you've got the new brochures.

I'm also sending attachement about some informatiton to check on your laptop.
Plase find attached a sales report for the last business quarter, a spreadsheet of clients you should try to meet, a forecast of future sales and the new specifications for minimal requirements for use of our software.

Thank you so much and good luck.

Sincerely,

Jennifer

EDITED VERSION BELOW
Dear Sally,

I'm sending this email regaring (regarding) your convention itinerary. I'm not sure when you're getting back to the office. Please let me know about that. Also I want to know if you've got the new brochures.

I'm also sending (an) attachement about some informatiton to check on your laptop. Plase find attached a sales report for the last business quarter, a spreadsheet of clients you should try to meet, a forecast of future sales and the new specifications for minimal requirements for use of our software. Thank you so much and good luck.

Sincerely,

Jennifer

JONATHON'S NOTES: Super, Jennifer! You've used the target language very well. This is exactly what I wanted. 100%! A+!

Assighnment #1 Akihito

Dear, Sally.

I'm writing the e-mail in regard to your itinerary. Could you let me know when you get back to the office. Also, do you have a right brochures? We need it to use the new ones at the conference.

You should check some information the attachments I've included here on your laptop before the meeting.

I'm looking forward sending me the email.

Best regards,

Akihito



EDITED VERSION
Dear, Sally. (Dear Sally,)

I'm writing the e-mail (emailing you) in regard to your itinerary. Let me know when you get back (will be getting back) to the office. Also, do you have a (the) right brochures? We need it in (to use the new ones at) the conference.

(Also,) You should check some information (the attachments I've included here) on your laptop before the meeting (convention).

JONATHON'S NOTES: It looks like you understand the basic format of the message, but you didn't have enough time to finish. Sometimes word selection is difficult, but after writing a few of these assignments, you will be a much better writer. Pay attention to my editing and copy it in your next assignment. Good luck.

Assignment#1,Sho

I am writing with regard to your itinerary. I am not sure when you will be coming back to our base in Alaska.Please let me know as soon as possible.

In addition, I also would like to make sure you have the blue-covered brochures"Our Alaska"

I have some other materials I'd like you to check on your laptop

EDITED VERSION BELOW

Dear Sally,

I am writing with regard to your itinerary. I am not sure when you will come (be coming) back to our base in Alaska. (Please let me know as soon as possible.)

In addition, I also would like to make sure you have the blue-covered brochures "Our Alaska" you are bringing to the conference and give you some information about it (REDUNDANT).

(I have some other materials I'd like you to check on your laptop before the convention.) Please find attached (an) MS word (document) including a sales report for the last business quarter, a spreadsheet of clients she (you) should try to meet, a forecast of future sales and the new specifications for minimal requirements for use of my (our) software.

Have a nice trip.

Sincerely,

Sho Ishikawa

JONATHON'S NOTES: Good job, Sho! You've used the target language well. I've also written a few transitional sentences to show you some examples of how to make your email flow logically. Keep up the good work.

assigement 1-becky, yu jiuan huang

Dear Sally,

I am writing concerning your itinerary.

Also, I want to make sure if you are taking right brochures. Please check that you have the new one before you leave town.

I would like to send information for you to check. Please kindly find attached a sales report for the last business quarter, a spreadsheet of our clients, a forecast of future sales and the new specifications for minimal requirements for use of our software.

If you have any questions, please do not hesitate to contact me.

May I have appointment with you? Please let me know when you will coming back and what time suits you.

Best regards

Becky

EDITED VERSION BELOW
Dear Sally,

I am writing concerning your itinerary .

I would like to send some information for your reference (you to check). please (Please) kindly find attached for lastest brochures (THIS IS NOT IN THE ATTACHMENTS) a sales report for the last business quarter, a spreadsheet of (our) clients, a forecast of future sales and the new specifications for minimal requirements for use of your (our) software.

(Also, I wanted to make sure you are taking the right brochures. Please check that you have the new ones before you leave town.)

If you have any questions, please feel free to contact with me.

May I have appointment with you? Please let me know when you will coming back, and what time suits you.

Sincerely,

Becky

JONATHON'S NOTES: Becky, you've done a very good job. Your email is clear overall, but you did miss the part about making sure Sally is taking the right brochures (it's not an attachment). Good use of the target language. Keep up the good work.

Assignment #1, Rachael

Dear Sally,

Are you ready for the convention?
Anyway, I am writing regarding your attendance at the technology convention in Las Vegas,
First, I want to check your itinerary because I'm net sure when you will be getting back to the office.
Also, I wanted to check that you are taking the right brochures. Also, I will attach some information which you need including a sales report for the last business quarter, a spreadsheet of clients you should try to meet, a forecast of future saled and the new specifications for minimal requirements for use of our software. Maybe you can check these on your laptop computer before the conference.

Good luck at the convention!

Sincerely,

Rachael

EDITED VERSION
Dear Sally,

Are you ready for the convention?

Anyway, I am writing regarding your attendance at the technology convention in Las Vegas. First, I want to check your itinerary because I'm net (not) sure when you will be getting back to the office.

Also, I wanted to check that you are taking the right brochures.

Also, I will attach some information which you need. including (Please find attached) a sales report for the last business quarter, a spreadsheet of clients you should try to meet, a forecast of future saled and the new specifications for minimal requirements for use of our software. Maybe you can check these on your laptop computer before the conference. Good luck at the convention!

Sincerely,

Rachael

JONATHON'S NOTES: Good job! You've understood the assignment and written a clear message to your partner with the target language. Well done.

assignment1 Yuki Kakushima

Dear Sally,

I am sending this e-mail with regard to your itinerary. I am not sure when you will get back and I also wanted to make sure you take the right brochures. Please let me know about that.

Also, I am sending you some attachments, including a sales report, a spread sheet and some technical information, so please check your computer before the conference.

Best regards,

Yuki Kakushima

EDITED VERSION BELOW
Dear Sally,

I am sending this e-mail with regard to check your itinerary. I am not sure when you will get back.

and also not (I also wanted to make) sure you take the right brochures. Please let me know about that.

Also, I am sending you (some) attachment(s, including a) sales report, a spread sheet (and some technical information). therefore please (Please) check your computer before the conference.

Best regards,

Yuki Kakushima

JONATHON'S NOTES: Yuki, your writing style is very succinct, but you've covered all of the main points of the exercise. Well done. Please check to see how I've edited your writing to make it sound more natural and use use these kinds of phrases in your next assignments. Good luck.

PS: "Therefore" is used in formal essays or reports or when dealing with unfamiliar business associates (but in this case, Sally is well known to you because she works with you).

assignment1 Kenta Kato

Dear Sally,

I'm writing regarding your itinerary. I'm not sure when you'll be back to the office. Could you let me know before you set off?

In addition, I'm writing concerning the brochures you are taking. I want to make sure if you are taking the appropriate brochures for the convention.

Also, I would like to give you some imformation. Please find attached a sales report, a spreadsheet of clients, a forecast of future sales and the new specifications for minimal requirements for operating our software.

Good luck at the convention.

Sincerely,

Kenta

EDITED VERSION
Dear Sally,

I'm writing regarding your itinerary. I'm not sure when you 'll be back to the office. Could you let me know before you set off?

In addition, I'm writing concerning the brochures you are taking. I want to make sure if you are taking (the) appropriate brochures for the convention.

Also, I would like to give you some information. Please find attached a sales report, a spreadsheet of clients, a forecast of future sales and the new spefications (specifications) for minimal requirements (for operating our software).

Good luck a the convention.

Sincerely,

Kenta

JONATHON'S NOTES: Good work, Kenta! It looks like you didn't have quite enough time to finish, but you used the target language well. Keep up the good work.

Assignment #1: Information, Please!

You are one of the founders of SuperImage, a photo software company.

Send a brief message to your business partner, Sally Albright, who is going to attend a technology convention in Las Vegas. Make sure you use proper phrases beginning and ending the message.

State the purpose of your message: to check Sally's itinerary. You're not exactly sure when she will be getting back to the office. In addition, you want to make sure she is taking the right brochures.

Also, you want to give her some information to check on her laptop computer before the conference.

Your attachments will include: a sales report for the last business quarter, a spreadsheet of clients she should try to meet, a forecast of future sales and the new specifications for minimal requirements for use of your software. (Don't worry - in this post, you don't have to actually attach any info - you just have to write about it in the message). Good luck, Jonathon's business class!