Title: FIN 515 MART Endless Education/fin515mart.com
1FIN 515 MART Endless Education/fin515mart.com
- FOR MORE CLASSES VISIT
- www.fin515mart.com
2 FIN 515 Complete Project Financial Statement
Analysis (Nike) FOR MORE CLASSES
VISIT www.fin515mart.com FIN 515 Week 2 Project
Financial Statement Analysis (Nike) FIN 515 Week
3 Project Financial Statement Analysis (Nike) FIN
515 Week 6 Project Calculating the Weighted
Average Cost of Capital (Nike) FIN 515 Week 7
Project Capital Budgeting Analysis (Nike)
3 FIN 515 Course Project 1 and 2 FOR MORE
CLASSES VISIT www.fin515mart.com This Tutorial
contains Week 3 Course Project (3 Sets) Week 6
Course Project (2 Sets)
4 FIN 515 Entire Course FOR MORE CLASSES
VISIT www.fin515mart.com This tutorial doesnt
contain Final Exam Guide FIN 515 Week 1 DQ 1
Accounting Versus Finance FIN 515 Week 1 DQ 2
Financial Analysis FIN 515 Week 1 Quiz FIN 515
Week 1 Quiz (New) FIN 515 Week 1 Problem Set FIN
515 Week 2 DQ 1 TVM Pass-a-Problem FIN 515 Week 2
DQ 2 Assumptions of the TVM Model FIN 515 Week 2
Quiz FIN 515 Week 2 Problem Set FIN 515 Week 3 DQ
1 Examples of Capital Expenditure From Your
Industry FIN 515 Week 3 DQ 2 Capital Budgeting
Terms and Considerations FIN 515 Week 3 Course
Project 1 (3 Papers) FIN 515 Week 3 Quiz FIN 515
Week 3 Problem Set FIN 515 Week 4 DQ 1 Market
Value of a Stock Versus DDM Value FIN 515 Week 4
DQ 2 Differences in YTM of Real Life Bonds FIN
515 Week 4 Midterm FIN 515 Week 4 Problem Set FIN
515 Week 5 DQ 1 Calculating WACC for a Real Firm
FIN 515
5 FIN 515 Final Exam (all 3 Sets) FOR MORE
CLASSES VISIT www.fin515mart.com FIN 515 Final
Exam Set 1 FIN 515 Final Exam Set 2 FIN 515 Final
Exam Set 3
6 FIN 515 Final Exam Set 1 FOR MORE CLASSES
VISIT www.fin515mart.com 1. (TCO A) In the
United States, which of the following types of
organization has the greatest revenue in total?
(Points 5)a. Sole proprietorshipb. C
corporationc. S corporationd. Limited partnership
1.1) Which of the following is not a step in the
WACC valuation method?A) Compute the value of the
investment, including the tax benefit of
leverage, by discounting the free cash flow of
the investment using the WACC.B) Compute the
weighted average cost of capital.C) Determine the
free cash flow of the investment.D) Adjust the
WACC for the firm's current debt/equity ratio. 1.
(TCO H) Zervos Inc. had the following data for
2008
7 FIN 515 Final Exam Set 2 FOR MORE CLASSES
VISIT www.fin515mart.com Question 1.1. (TCO A)
Double taxation is a drawback for which of the
following types of business organization except?
Question 2.2. (TCO A) Sole proprietorships have
all of the following advantages except Question
3.3. (TCO B) Which of the following would cause
the present value of an annuity to decrease?
Question 4.4. (TCO B) In a TVM calculation, if
incoming cash flows are positive, outgoing cash
flows must be Question 5.5. (TCO G) If net
income, total assets, and book value of equity
stayed the same, what would be the effect on the
DuPont Identity of an increase in sales?
Question 6.6. (TCO D) A stock has just
8 FIN 515 Final Exam Set 3 FOR MORE CLASSES
VISIT www.fin515mart.com 1. (TCO A) In the United
States, which of the following types of
organization has the greatest revenue in total?
(Points 5) Sole proprietorship C corporation S
corporation Limited partnership Question 2.2.
(TCO A) A sole proprietorship is owned by (Points
5) one person. one or two people, but if there
are two owners, they must be married to each
other. up to 100 owners. up to 64 owners.
Question 3.3. (TCO B) Which of the following
would cause the present value of an annuity to
decrease? (Points 5) Reducing the number of
payments. Increasing the number of payments.
Decreasing the interest rate. Decreasing the
liquidity of the payments. Question 4.4. (TCO B)
In a TVM calculation, if incoming cash flows are
positive, outgoing cash flows must be (Points
5) positive. negative. either positive or
negative. It really doesnt matter. stated
9 FIN 515 Midterm Exam All 3 Sets FOR MORE
CLASSES VISIT www.fin515mart.com Question
included in these Midterms could be found on this
link FIN 515 Midterm Exam Set 1 (New)
Linkhttp//www.fin515mart.com/product-73-FIN-515-
Midterm-Exam-Set-1-(New) FIN 515 Midterm Exam Set
2 (New) Linkhttp//www.fin515mart.com/product-72-
FIN-515-Midterm-Exam-Set-2-(New) FIN 515 Week 4
Midterm Linkhttp//www.fin515mart.com/product-48-
FIN-515-Week-4-Midterm
10 FIN 515 Midterm Exam Set 1 (New) FOR MORE
CLASSES VISIT www.fin515mart.com Question 1.
Question (TCO G) If Company A and Company B are
in the same industry and use the same production
method, and Company As asset turnover is higher
than that of Company B, then all else equal we
can conclude Question 2. Question (TCO G)
Suppose Novak Company experienced a reduction in
its ROE over the last year. This fall could be
attributed to Question 3. Question (TCO B) A
certain investment will pay 10,000 in 20 years.
If the annual return on comparable investments is
8, what is this investment currently worth? Show
your work. Question 4. Question (TCO B) You
take out a 4 year car loan fo
11 FIN 515 Midterm Exam Set 2 (New) FOR MORE
CLASSES VISIT www.fin515mart.com Question 1. 1.
(TCO G) If Company A and Company B are in the
same industry and use the same production method,
and Company As asset turnover is higher than
that of Company B, then all else equal we can
conclude (Points 10) Question 2. 2. (TCO G) If
Moon Corporation has an increase in sales, which
of the following would result in no change in its
EBIT margin? (Points 10) Question 3. 3. (TCO B)
If today you put 10,000 into an account paying
10 annually, how much will there be in the
account after 5 years? Show your work. (Points
20) Question 4. 4. (TCO B) You take out a 5 year
car loan for 20,000. The loan has a 5 annual
interest rate. The payments are made monthly.
What are the monthly payments? Show your work.
(Points 20) Question 5. 5. (TCO B) You
currently have 10,000 in your retirement
account. If you
12 FIN 515 Week 1 DQ 1 Accounting Versus
Finance FOR MORE CLASSES VISIT www.fin515mart.com
Accounting Versus Finance (graded) Much of the
analysis done by financial managers is based on
numbers that are different from what would seem
to the corresponding numbers presented in the
financial statements. This difference is not due
to any kind of cooking the books or other
attempts to mislead anyone. One example is the
use of market value rather than historical cost
in the valuation of assets. What are some other
examples of the differences between financial
management and financial accounting?
13 FIN 515 Week 1 DQ 2 Financial Analysis FOR MORE
CLASSES VISIT www.fin515mart.com Financial
Analysis (graded) In this discussion, we will be
working with the variety of financial analysis
tools available to us. Let's start with the
DuPont Identity introduced in Chapter 2 of the
text. For your initial post, locate the financial
statements for two firms in one industry.
Calculate all four terms of the DuPont Identity
and present the results but do not analyze the
results. For an additional post, analyze the
results that another student has posted. If you
were the appropriate financial manager of one of
the firms that you analyzed, what would be your
observations and recommendations?
14 FIN 515 Week 1 Problem Set FOR MORE CLASSES
VISIT www.fin515mart.com Chapter 1 The
Corporation 1-1. What is the most important
difference between a corporation and all other
organizational forms? 1-2. What does the phrase
limited liability mean in a corporate context?
1-3. Which organizational forms give their owners
limited liability? 1-4. What are the main
advantages and disadvantages of organizing a firm
as a corporation? 1-5. Explain the difference
between an S corporation and a C corporation.
1-6. You are a shareholder in a C corporation.
The corporation earns 2 per share before taxes.
Once it has paid taxes it will distribute the
rest of its earnings to you as a dividend. The
15 FIN 515 Week 1 Quiz(NEW) FOR MORE CLASSES
VISIT www.fin515mart.com Question 1. (TCO G) The
lecture says that some ratios typically are
better when they are higher and some of the
ratios are better when they are lower. Pick a
ratio for which a lower number typically would be
preferred and describe a situation, in which a
higher number for that ratio would be preferred,
OR pick a ratio for which a higher number
typically would be preferred and describe a
situation in which a lower number for that ratio
would be preferred. Question 2. (TCO G) As of
December 31, 20XX, David Corp's accounts payable
were 4,000,000. Its accounts receivable were
2,200,000, and its sales for 20XX were
32,000,000. What was its days sales outstanding?
Question 3. (TCO G) As of December 31, 2015,
Michael Corp's current assets were 2,000,000.
Its current liabilities were 2,000,000. Its
sales for 2015 were
16 FIN 515 Week 1 Quiz FOR MORE CLASSES
VISIT www.fin515mart.com Question 1 (TCO G)
Which do you think provides a more valid measure
of how a company is doing, comparison of current
results with historical results or comparison of
current results with the current results of
another company? Question 2 (TCO G) Barnes Corps
total assets at the end of last year were
415,000,000 and its net income after taxes was
17,750,000. What was its return on total assets?
Question 3 (TCO G) Between December 31, 2016 and
December 31, 2017, ROE at Bobcat Industries
decreased even though sales increased. Using the
DuPont Identity, explain what else could have
happened to cause this.
17 FIN 515 Week 1-7 DQs FOR MORE CLASSES
VISIT www.fin515mart.com FIN 515 Week 1 DQ 1
Accounting Versus Finance FIN 515 Week 1 DQ 2
Financial Analysis FIN 515 Week 2 DQ 1 TVM
Pass-a-Problem FIN 515 Week 2 DQ 2 Assumptions of
the TVM Model FIN 515 Week 3 DQ 1 Examples of
Capital Expenditure From Your Industry FIN 515
Week 3 DQ 2 Capital Budgeting Terms and
Considerations FIN 515 Week 4 DQ 1 Market Value
of a Stock Versus DDM Value FIN 515 Week 4 DQ 2
Differences in YTM of Real Life Bonds FIN 515
Week 5 DQ 1 Calculating WACC for a Real Firm FIN
515 Week 5 DQ 2 Finding Stock Values for Real
Stocks Using Beta and the SML FIN 515 Week 6 DQ 1
Examples of Real Agency Problems and How They
Could Have Been Prevented FIN 515 Week 6 DQ 2 The
Role of Financial Managers in Ethical Corporate
Governance FIN 515 Week 7 DQ 1 Industry Approaches
18 FIN 515 Week 2 DQ 1 TVM Pass-a-Problem FOR MORE
CLASSES VISIT www.fin515mart.com TVM
Pass-a-Problem (graded) This week, the lecture
provided some examples of TVM problem scenarios.
For your first post, provide a story problem that
can be solved using one or more of the TVM
calculations. Your second post can be a
description of how the problem posed by another
student can be solved. Your professor may provide
an example.
19 FIN 515 Week 2 DQ 2 Assumptions of the TVM
Model FOR MORE CLASSES VISIT www.fin515mart.com
Assumptions of the TVM Model (graded) What are
some of the assumptions behind the TVM
calculations? How do these assumptions limit our
application of these calculations?
20 FIN 515 Week 2 Problem Set FOR MORE CLASSES
VISIT www.fin515mart.com 3.Calculate the future
value of 2000 in a. five years at an interest
rate of 5 per year b. ten years at an interest
rate of 5 per year and c. five years at an
interest rate of 10 per year. d. Why is the
amount of interest earned in part (a) less than
half the amount of interest earned in part (b)?
4.What is the present value of 10,000 received
a. twelve years from today when the interest rate
is 4 per year b. twenty years from today when
the interest rate is 8 per year and c. six
years from today when the interest rate is 2 per
year? 5.Your brother has offered to give you
either 5,000 today or 10,000 in 10 years. If
the interest rate is 7 per year, which option is
preferable? 6.Consider the following
alternatives. i. 100 received in 1 year ii. 200
received in 5 years iii. 300 received in 10
years a. Rank the alternatives from most
21 FIN 515 Week 2 Project Financial Statement
Analysis (Nike) FOR MORE CLASSES
VISIT www.fin515mart.com As the new financial
manager of your company, the CEO has asked your
team to provide a brief analysis of the companys
performance to present at the upcoming board of
directors meeting. The CEO has asked that you
assess the companys performance against your
companys industry. Thus, to do this, you will
need to use ratio analysis or other techniques to
determine areas in which the company is doing
well, as well as areas that management should
look at. Here are the steps for the project 1.
Select your teammate. Each team should be made up
of two members. 2. Determine which company you
will analyze for the
22 FIN 515 Week 2 Quiz FOR MORE CLASSES
VISIT www.fin515mart.com FIN 515 Week 2 Quiz
Question 1 (TCO B) You are a trust fund baby.
Your trust fund is currently worth 1,234,000.
The problem is the terms of the trust dont allow
you to receive any of the money until you are 27.
You are now 21. The fund is earning 7.7 per
year. How much will the fund be worth when you
are 27 and too old to enjoy it?Ignore taxes. Show
your work. If you use Excel, show the formula
with the parameters, and the answer. If you use a
formula, provide the standard formula, the
formula with terms substituted, and the answer.
If you use a calculator, show the inputs and the
answer. Question 2 (TCO B)
23 FIN 515 Week 3 Course Project 1 (3 Papers) FOR
MORE CLASSES VISIT www.fin515mart.com This
Tutorial contains 3 Different Course Projects
First Course ProjectThe purpose of this project
is to help you develop skills not only in
performing the calculations behind financial
analysis but interpreting the numbers as well.You
are to pick a company. You should pick one either
from the industry in which you are currently
working or an industry in which you are
interested. You could also pick a division of a
company. It is imperative to use that sufficient
data about your company and that it is available.
One way to do this is to pick a publicly held
company. If you pick a privately held company or
a division of a company, make sure that the data
necessary to do a significant financial analysis
is available.If you use data that is not publicly
available, be sure to talk to your manager and to
make absolutely sure that
24 FIN 515 Week 3 DQ 1 Examples of Capital
Expenditure From Your Industry FOR MORE CLASSES
VISIT www.fin515mart.com FIN 515 Week 3 DQ 1
Examples of Capital Expenditure From Your
Industry (graded) Describe a potential capital
expenditure project from the industry in which
you now work or an industry in which you are
interested. What is the project? Describe and
provide an approximate value of the initial cash
flow. Describe and provide an approximate value
of the annual cash flows. Provide an estimation
of the life of the project, as well as the exit
costs.
25 FIN 515 Week 3 DQ 2 Capital Budgeting Terms and
Considerations FOR MORE CLASSES
VISIT www.fin515mart.com Capital Budgeting Terms
and Considerations Our textbook and lecture
discuss some considerations that should be taken
into account when doing capital budgeting. How
will these considerations affect the project you
described in the other topic? Incremental
earnings, interest expenses, taxes, opportunity
costs, externalities, sunk costs, cannibalization
or erosion, depreciation, and salvage value as
well as others.
26 FIN 515 Week 3 Problem Set FOR MORE CLASSES
VISIT www.fin515mart.com Week 3 Problem Set 1.
Your brother wants to borrow 10,000 from you. He
has offered to pay you back 12,000 in a year. If
the cost of capital of this investment
opportunity is 10, what is its NPV? Should you
undertake the investment opportunity? Calculate
the IRR and use it to determine the maximum
deviation allowable in the cost of capital
estimate to leave the decision unchanged. 8. You
are considering an investment in a clothes
distributor. The company needs 100,000 today and
expects to repay you 120,000 in a year from now.
What is the IRR of this investment opportunity?
Given the riskiness of the investment
opportunity, your cost of capital is 20. What
does the IRR rule say about whether you should
invest? 19. You are a real estate agent thinking
of placing a sign advertising your services at a
local bus
27 FIN 515 Week 3 Project Financial Statement
Analysis (Nike) FOR MORE CLASSES
VISIT www.fin515mart.com Continuing with your
Week 2 Project, now your CEO after reviewing your
earlier Week 2 PowerPoint submission has asked
your team to complete an additional benchmark
analysis task, before the upcoming Board Meeting.
For this part of the project your team needs to
do an analysis of the market and operational
characteristics of your company and its financial
profile. For this project, your team will need to
select four companies that are direct competitors
of your company. This sample selection should be
based on revenue, profitability, market
capitalization, market segment and product
characteristics. This project is an additional
benchmark data analytics project. The objective
of this part of the project will be to do a
comparative financial analysis of your company
with the averages of the sample of four
28 FIN 515 Week 3 Quiz FOR MORE CLASSES
VISIT www.fin515mart.com Company A has a beta of
2.77. Company B has a beta of .73. Company C has
a beta of .90. The risk free rate is 6 and the
market risk premium is 4. What is the expected
return of investing in Company B? stock portfolio
consists of only two stocks. You have 15,000 in
Company A and 25,000 in Company B. Company A has
an actual return of -8 and Company B has a
return of 12. What is the return on your
portfolio? A company has a capital structure of
40 debt and 60 equity. The YTM on the companys
bonds is 9, and the companys effective tax rate
is 40. The CFO has estimated the companys WACC
to be 9.96. What is the companys cost of equity?
29 FIN 515 Week 4 DQ 1 Market Value of a Stock
Versus DDM Value FOR MORE CLASSES
VISIT www.fin515mart.com Market Value of a Stock
Versus DDM Value (graded) Select a stock in which
you are interested. Calculate its per share value
using the DDM or another method discussed in
Chapter 9. Then find the current market value of
a share of the stock. Compare that two. Can you
explain the similarity or difference?
30 FIN 515 Week 4 DQ 2 Differences in YTM of Real
Life Bonds FOR MORE CLASSES VISIT www.fin515mart.
com Differences in YTM of Real Life Bonds
(graded) Do some research, probably on the Web,
and find some bonds with differing yields to
maturity (YTM). How do you explain the
difference? Both the lecture and the textbook
discuss some factors that may lead to this
difference.
31 FIN 515 Week 4 Midterm FOR MORE CLASSES
VISIT www.fin515mart.com Question 1. Question
(TCO G) The firm's asset turnover measures
Question 2. Question (TCO G) If Moon
Corporation has an increase in sales, which of
the following would result in no change in its
EBIT margin? Question 3. Question (TCO B) You
plan on retiring in 20 years. You currently have
275,000 and think you will need 1,000,000 to
retire. Assuming you dont deposit any additional
money into the account, what annual return will
you need to earn to meet this goal? Question 4.
Question (TCO B) You take out a 4 year car loan
for 18,000. The loan has a 4 annual interest
rate. The payments are made monthly.
32 FIN 515 Week 4 Problem Set FOR MORE CLASSES
VISIT www.fin515mart.com Bonds-1. Interest on a
certain issue of bonds is paid annually with a
coupon rate of 8. The bonds have a par value of
1,000. The yield to maturity is 9. What is the
current market piece of these bonds? The bonds
will mature in 5 years. Bonds-2. A certain bond
has 12 years left to maturity. Interest is paid
annually at a coupon rate of 10. The bonds are
currently selling for 850. What is their YTM?
Bonds-3. A certain bond pays a semiannual coupon
rate at a 10 annual rate. The bond has a par
value of 1,000. There are eight years to
maturity. The yield to maturity is 9. What is
the current price of the bond?
33 FIN 515 Week 5 DQ 1 Calculating WACC for a Real
Firm FOR MORE CLASSES VISIT www.fin515mart.com C
alculating WACC for a Real Firm (graded) The
Weighted Average Cost of Capital (WACC) for a
firm can be calculated or found through research.
Select two firms in the same industry. The
industry may be that in which you currently work
or it may be an industry in which you are
interested. Calculate or find the WACC for the
two firms. How do the WACCs compare? Are the
WACCs what you would expect? What causes the
differences between the two firms' WACCs?
34 FIN 515 Week 5 DQ 2 Finding Stock Values for
Real Stocks Using Beta and the SML FOR MORE
CLASSES VISIT www.fin515mart.com Finding Stock
Values for Real Stocks Using Beta and the SML
(graded) Our second discussion topic concerns the
calculation of stock values using the Capital
Asset Pricing Model (CAPM). We will start with a
discussion of risk and work towards practical
application of the model. The textbook provides a
list of betas for a selection of stocks. Choose a
few firms from that list and discuss whether the
betas are what you would expect. Be sure to
explain why or why not.
35 FIN 515 Week 5 problem Set FOR MORE CLASSES
VISIT www.fin515mart.com Chapter 10 (pages
345348) 4. You bought a stock one year ago for
50 per share and sold it today for 55 per
share. It paid a 1 per share dividend today.
What was your realized return? How much of the
return came from dividend yield and how much came
from capital gain? 20. Consider two local banks.
Bank A has 100 loans outstanding, each for 1
million, that it expects will be repaid today.
Each loan has a 5 probability of default, in
which case the bank is not repaid anything. The
chance of default is independent across all the
loans. Bank B has only one loan of 100 million
outstanding, which it also expects
36 FIN 515 Week 5 Quiz FOR MORE CLASSES
VISIT www.fin515mart.com Question 1 (TCO C)
Company A has a beta of 2.77. Company B has a
beta of .73. Company C has a beta of .90. The
risk free rate is 6 and the market risk premium
is 4. What is the expected return of investing
in Company B? Show your work. Question 2. (TCO C)
Your stock portfolio consists of only two stocks.
You have 30,000 in Company A and 35,000 in
Company B. Company A has an actual return of -8
and Company B has a return of 12. What is the
return on your portfolio? Show your work.
Question 3. (TCO E) A company has a capital
structure of 40 debt and 60 equity. The YTM on
the companys bonds is 9, and the companys
effective tax rate is 40. The CFO has estimated
the companys WACC to be 9.96. What is the
companys cost of equity? Show your work.
37 FIN 515 Week 6 Course Project 2 (2 Different
Projects) FOR MORE CLASSES VISIT www.fin515mart.c
om This Tutorial contains 2 Different Course
Projects Second Project The purpose of this
project is for you to have some practice working
with financial concepts in the real world. This
will involve integrating some material from
throughout the course. The project will also
involve the development of your own approach to
doing the work. The project does not provide a
step-by-step procedure for you to follow. Your
task is to determine the WACC for a given firm
using what you know about WACC as well as data
you can find through research. Your deliverable
is to be a brief report in which you state your
determination of WACC,
38 FIN 515 Week 6 DQ 1 Examples of Real Agency
Problems and How They Could Have Been
Prevented FOR MORE CLASSES VISIT www.fin515mart.c
om Examples of Real Agency Problems and How They
Could Have Been Prevented (graded) Do some
research and find some historical or current real
life examples of agency problems. Will the
measures discussed in the text help to prevent
problems like your examples in the future? What
else would you advise? You may provide examples
of agency problems from your own experience. If
you do that, be careful to provide enough
anonymity that you won't get in trouble.
39 FIN 515 Week 6 DQ 2 The Role of Financial
Managers in Ethical Corporate Governance FOR
MORE CLASSES VISIT www.fin515mart.com The Role
of Financial Managers in Ethical Corporate
Governance (graded) Does the financial manager
have a greater responsibility or a lesser
responsibility for maintaining ethical corporate
governance? Why or why not? What is or will be
your approach to ethical corporate governance now
or in the future?
40 FIN 515 Week 6 Project Calculating the Weighted
Average Cost of Capital (Nike) FOR MORE CLASSES
VISIT www.fin515mart.com Once again, your team
is the key financial management team for your
company. The companys CEO is now looking to
expand its operations by investing in new
property, plant, and equipment. In order to
effectively evaluate the projects effectiveness,
you have been asked to determine the firms
weighted average cost of capital. To determine
the cost of capital, here is what you have been
asked to do. 1. Go to Yahoo Finance
(http//finance.yahoo.com) and capture the income
statement information for the company you
selected. (Be sure that your company has debt on
their balance sheet. This will be required in
your
41 FIN 515 Week 7 Project Capital Budgeting
Analysis (Nike) FOR MORE CLASSES
VISIT www.fin515mart.com Once again, your team
is the key financial management team for your
company. The companys CEO is now looking to
expand its operations by investing in new
property, plant, and equipment. Your team
recently calculated the WACC for your company,
which will now be useful in evaluating the
projects effectiveness. You are now asked to do
some capital budgeting analysis that will
determine whether the company should invest in
these new plant assets. The parameters for this
project are Your team will be using the same
company for this project that you used in the
Week 6 project. The company is now looking
42FIN 515 MART Endless Education/fin515mart.com
- FOR MORE CLASSES VISIT
- www.fin515mart.com