Answer:
Redundancy.
Explanation:
In an architecting resilient systems, redundancy can be simply understood as extra components which can used as back up when there are accidents and failures in the main components. It helps in the reliability and security of the systems.
As we know failures and crises may arise anytime in a system, architecting resilience depends on redundancy, which means that every component is backed up by an alternative in case it fails. Thus, helping the systems to recover from crisis and accidents.
You want to have $60,000 in your savings account 12 years from now, and you’re prepared to make equal annual deposits into the account at the end of each year. If the account pays 6.4 percent interest, what amount must you deposit each year?
Answer:
$3,474.39
Explanation:
The amount that you need to deposit each year (PMT) is calculated as follows:
FV = $60,000
N = 12
P/yr = 1
i = 6.4 %
PV = $0
PMT = ?
Using a Financial Calculator to input the values as shown, the deposit each year would be $3,474.39
Juanita Domingo's parents want to establish a college trust for her. They want to make 16 quarterly withdrawals of $2000, with the first withdrawal 3 months from now. If money is worth 7.5%, compounded quarterly, how much must be deposited now to provide for this trust
Answer:
Initial investment= 26,921.47
Explanation:
Giving the following information:
Withdrawls= 16 of $2,000
Interest rate= 0.075/4= 0.01875
To calculate the initial investment, first, we need to calculate the future value of the investment:
FV= {A*[(1+i)^n-1]}/i
A= quarterly payment
FV= {2,000*[(1.01875^16) - 1]} / 0.01875
FV= $36,918.86
Now, the present value:
PV= FV/(1+i)^n
PV= 36,918.86/1.01875^17
PV= $26,921.47
Initial investment= 26,921.47
When sales units go up by 25% (assuming the unit selling price and unit variable expense are constant): A. Variable expenses go up by 25%. B. Net income will go up by 25%. C. Fixed expenses will go up by 75%. D. Contribution margin will go up by 75%.
Answer: A. Variable expenses go up by 25%.
Explanation:
Total variable expenses are calculated on the basis of the entire units to be sold which means that if sales units were to increase by 25%, the total variable expenses will increase by 25% as well.
For instance, If selling price per unit is $4 and variables, $3 and the number of units to be sold is 20, sales will be $80 and variable costs will be $60.
Assuming units went up by 25% to 25 units, variable costs would be; $75 which is an increase of;
= (75 - 60) / 60
= 25%
When computing economic growth, changes in nominal gross domestic product (GDP) must be adjusted to reflect population growth because:
Answer:
if real GDP remains the same, an increase in the population actually means a lower average standard of living
Explanation:
Economic Growth is a increase in productive capabilities of an economy over a given period of time, usually a year. the economy is able to satisfy more of it's consumers wants and need.
GDP is said to be is total value of all finale goods and services produced within an economy in a given period of time, usually a year.nominal or price GDP is a GDP with no adjustment for price.
Assume that Shavonne's marginal tax rate is 37 percent and her tax rate on dividends is 20 percent. If a corporate bond pays 8.8 percent interest, what dividend yield would a dividend-paying stock (with no growth potential) have to offer for Shavonne to be indifferent between the two investments from a cash-flow perspective?
Answer:
Interests received from corporate bonds is taxed as ordinary income = 8.8% x (1 - 37%) = 5.544% after tax yield
Non-qualified dividends are also taxed as ordinary income, therefore, the after tax yield of a non-qualified dividend that yields 8.8% = 5.544%
Qualified dividend pay a lower tax rate, since they are taxed as long term capital gains. If the after tax yield will be the same, then:
5.544% = dividend yield x (1 - 20%)
5.544% / 0.8 = dividend yield
6.93% = dividend yield
to determine the regular payment amount, rounded to the nearest dollar. In terms of paying less in interest, which is more economical for a $ mortgage: a 30-year fixed-rate at % or a 20-year fixed-rate at %? How much is saved in interest?
Answer:
the numbers are missing, so I looked fro similar questions:
Which is more economical for a $210.000 mortgage: a 30-year fixed-rate at 9% or a 20-year fixed-rate at 8.5%? How much is saved in interest?
if you take the 30 year mortgage, your monthly payment will be:
monthly payment = present value / PV annuity factor
present value = $210,000PV annuity factor, 0.75%, 360 periods = 124.2817monthly payment = $210,000 / = $1,689.71
total payments = $1,689.71 x 360 = $608,295.60
total interests paid = $608,295.60 - $210,000 = $398,295.60
if you take the 20 year mortgage, your monthly payment will be:
monthly payment = present value / PV annuity factor
present value = $210,000PV annuity factor, 0.7083%, 240 periods = 115.2308monthly payment = $210,000 / = $1,822.43
total payments = $1,822.43 x 240 = $437,383.20
total interests paid = $437,383.20 - $210,000 = $227,383.20
if you take the 20 year mortgage, you will save $398,295.60 - $227,383.20 = $161,912.40 in interests
KLM Corporation's quick assets are $6,158,000, its current assets are $13,650,000 and its current liabilities are $8,170,000. Its acid-test ratio equals:
Answer:
0.75
Explanation:
KLM corporation quick assets is $6,158,000
Current assets are $13,650,000
Current liabilities are $8,170,000
Therefore the acid test ratio can be calculated as follows
= quick assets/current liabilities
= $6,158,000/$8,170,000
= 0.75
Hence the acid test ratio is 0.75
A construction manager just starting in private practice needs a van to carry crew and equipment. She can lease a used van for $3,576 per year, paid at the beginning of each year, in which case maintenance is provied. Alternatively, she can buy a used van for $6,461 and pay for maintenance herself. She expects to keep the van for three years at which time she could sell it for $1,437. What is the most she should pay for uniform annual maintenance to make it worthwhile to buy the van instead of leasing it, if her MARR is 20%
Answer:
The answer is "1832".
Explanation:
The PVAF(r,n) start value[tex]= \frac{(1+r)^{n-1} -1 \ \ +1}{r \times (1+r)^n-1}[/tex]
The PVAF(r,n) end value[tex]= \frac{(1+r)^{n} -1}{r \times (1+r)^n}[/tex]
The PVF(r,n) value [tex]= \frac{1}{(1+r)^n}[/tex]
[tex]r = \text{Rate of dirscount} \\\\n = terms[/tex]
[tex]\text{Present Value= Monthly rent} \times PVAF[/tex]
PVAF(20%, 3) starting = 2.5278
PVAF(20%, 3) ending = 2.1065
PVAF(20%, 3) starting = 5787
calculating the lease payment of present value:
[tex]present \ value = Lease\ payment \times PVAF(10 \%,3) starting[/tex]
[tex]=3609 \times 2.5278\\\\=9122.75[/tex]
existing importance by busing excluding annual servicing
[tex]\text{present value = cost - sale value} \times PVF(20 \%,3)[/tex]
[tex]=6113-1469\times 0.5787 \\\\=5262.88[/tex]
Calculating the annual maintanance=[tex]\frac{\text{present value of leasing -buying}}{ PVAF(20 \%,3) ending}[/tex]
[tex]=\frac{3859.87}{2.1065}\\\\=1832.32 \ \ \ or \ \ \ 1832[/tex]
An individual wants to retire in 15 years when he turns 65. He wants to have enough money to maintain his current income, which is $55,000 per year. It is assumed that a 6% annual investment rate of return and a 4% inflation rate per year. He expects that he will live to be 90 years old. He expects his raises to equal the inflation rate, approximately how much does he need at retirement to fulfill his retirement goals
Answer:
Value at retirement= $1,187,719.21
Explanation:
If his salary increases at the same rate as inflation, the purchasing power remains constant. The growth rate and inflation rate should not be taken into account. They are irrelevant.
First, we need to calculate the value of the account at the time of retirement. To do this, we determine the future value, then the present value.
FV= {A*[(1+i)^n-1]}/i
A= annual payment
FV= {55,000*[(1.06^35) - 1]} / 0.06
FV= $6,128,912.90
PV= FV/(1+i)^n
PV= 6,128,912.90 / (1.06^35)
PV= $1,187,719.21
Why does Larry Kurlander say U.S. firms are at a disadvantage versus European firms in the international competition for government contracts and concessions
Answer:
This question refers to a litigation between Newmont (US firm) and BRGM (a French firm). They disputed rights over a gold mine in Peru, the largest in the world at that time (mid 1990s). Both sides accused each other of bribing Peruvian officials and judges. Finally, the French company won and everyone assumed that they had paid a higher bribe.
Since bribing by US firms is illegal due to the Foreign Corrupt Practices Act, Newmont has repeatedly denied bribing anyone and so has the other party. But in reality no one believes them since Mr. Kurlander was taped when he was negotiating with former Peru's former chief of intelligence Vladimiro Montesinos who is now in prison for committing every single crime that you can imagine.
When interviewed by the New York Times, Kurlander stated that European corporations were not forbidden by law to bribe, so American companies were at a disadvantage. I'm not sure, but I believe that this has changed since the 1990s.
You wear either shorts or sweatpants every day. You notice that shorts have gone on sale, so your demand for:________
a. sweatpants will increase.
b. sweatpants will decrease.
c. shorts will increase.
d. shorts will decrease.
Answer:
D. shorts will decrease.
Explanation:
You wear either shorts or sweatpants every day. You notice that shorts have gone on sale, so your demand for:________
d. shorts will decrease.
Factors that contributed to the current level of the earnings gap in the U.S. labor market between black and white workers include:
Answer:
the options are missing:
A. the combination of changes in law and changes in social attitudes B. changes in production techniques made white workers unproductive C. a large decline in the average education levels for white workers D. a vast increase in the number of well-educated black workersThe answer is:
A. the combination of changes in law and changes in social attitudes
Around the mid 1900s, the earning gap between white males and black males fell, specially in the 1960s and 1970s, but since the 1980s it has remained stable. The Civil Rights Act of 1964 prohibited discrimination at work and a series of other regulations helped to narrow the earnings gap. The same applies to other minorities.
Sadly though, the earnings gap has remained stable for the last 40 years, and that hurts most minorities and women also. The earnings gap between women and men has decreased more since the 1980s, but in most industries women are still behind men even those who belong to minority groups.
Currently the earnings gap between white and black males is 26.5% on average, but on certain industries it is over 34%. Personally, I think that this is a type of hidden discrimination, because there is no reason why an employee should earn more or less based solely on his/her race, gender or culture.
Like all entrepreneurs, Jennifer Hyman and Jennifer Fleiss recognized an opportunity they could exploit through technology, but they needed resources, such as capital and knowledge, to enter the market. How did they acquire these resources?
Answer: By securing funding from investors and hiring people with complementary skills
Explanation:
Entrepreneurs can acquire capital from other people who will then become investors and and give them funding. With this funding they will initiate the business they had in mind and provide returns for the investors.
Entrepreneurs do not always have to have all the skills required to run their business because they can simply employ people who do. These people with complimentary skills will ensure that the company has the knowledge required to do well.
Placing an ad around your neighborhood offering to pay $150 to anyone who finds your missing Yorkipoo is an example of _________.
Answer: unilateral contract
Explanation:
Unilateral contract is an agreement whereby an economic entity which could be a individual, firm or the government agrees and promises to pay a certain amount of money once an act has been done.
In this case, the person offers to pay $150 to anyone who finds the missing Yorkipoo. This is a unilateral contract.
Firm X is considering the replacement of an old machine with one that has a purchase price of $90,000. The current market value of the old machine is $24,000 but the book value is $34,000. The firm's combined tax rate is 26%. What is the net cash outflow for the new machine after considering the sale of the old machine
Answer:
Net cash outflow for new machine = $63,400
Explanation:
The computation of the net cash outflow for the new machine is shown below:
Sale proceeds from old machine = $24,000
Add Tax Savings occured from loss on sale ($34,000 - $24,000) × 0.26 = $2,600
Net benefit arise from the sale of old machine = $26,600
Less:
Cost of new machine = $90,000
So,
Net cash outflow for new machine = $63,400
Dream Threads Company sells hand-sewn shirts for $40 each and has a contribution margin ratio of 50%. It incurs $7,000 per month of fixed costs. What is its monthly breakeven point in shirts
Answer:
350 shirts
Explanation:
Break even point = Fixed costs / Contribution margin
Given that;
Fixed costs = $7,000
Contribution margin = 50%
Break even point = $7,000 / 50%
= $14,000
Therefore, to determine the Break even point in shirts, you'll divide $14,000 by the sales price per unit
BEP = $14,000 / $40
BEP = 350 shirts
Hence, monthly break even point in shirt is 350 shirts
Why is it important to fact-check the information we read online?
Answer:
Because we can't really sure about the credibility of the information.
Explanation:
In online news era, everyone can write 'news' with some basic knowledge in blogging and search engine optimization. As long as they can bring their piece up high in search engine results, many people will believe that the news is coming from someone with credibility's.
This is why, it is extremely important for us to fact-check every information we read online.
One way to do it is by checking the news from different news-source. If there vast majority of credible news-sources confirm the content of the news, than we can be sure that the news is factual.
Which term describes the process that firms use to study and understand the many different layers and aspects of their competitive environment?
Answer:
Strategic analysis.
Explanation:
Strategic analysis is a term which describes the process that firms use to study and understand the many different layers and aspects of their competitive environment.
Basically, strategic analysis is a technique used for analyzing the critical external contingencies facing an organization in terms of economic conditions, competitors, and customers. It is a management strategy that focuses on systematically acquiring informations about occasions, trends, events or patterns through surveys and analysis of these information in an organisation's external and internal environment. The informations acquired through strategic analysis is then used by the executive management in strategically planning the organisation's future and exploitation of available opportunities for the success of the organization.
The internal information offers an organization strength and weakness while the external information provides information about opportunities and threats.
The tools used in strategic analysis includes SWOT analysis, Porter's five forces of competition, value-chain model etc.
A firm has a capital structure with $100 million in equity and $100 million of debt. The cost of equity capital is 15% and the pretax cost of debt is 7%. If the marginal tax rate of the firm is 25%, compute the weighted average cost of capital of the firm. Group of answer choices
Answer:
The weighted average cost of capital of the firm is 10.125%
Explanation:
The computation of the weighted average cost of capital is shown below:
= Cost of equity × weight of equity + cost of debt × (1 - tax rate) × weight of debt
= 15% × $100 ÷ ($100 + $100) + 7% × (1 - 0.25) × $100 ÷ ($100 + $100)
= 15% × 0.5 + 7% × 0.75 × 0.5
= 7.5% + 2.625%
= 10.125%
Hence, the weighted average cost of capital of the firm is 10.125%
We simply applied the above formula
Amara believes that her manager violated the terms of the negotiated labor-management agreement when he required her to report to work on a holiday. She has discussed her concerns with her shop steward and he agrees with her. It is likely the steward will encourage Amara to:_____.
a) start looking for another job in a right-to-work state.b) contact the local chapter of the ACLU.c) send a letter of protest to the president of the union.d) pursue a grievance over the interpretation of the labor contract.
Answer: d.) pursue a grievance over the interpretation of the labor contract.
Explanation:
The labor contract is a contact that states the working conditions and benefits that an employee is expected to get while working for a particular company and it should be noted that this contract is enforceable by law.
Normally, employees shouldn't come to their workplace on holidays. Therefore, based on the scenario in the question, the steward will encourage Amara to pursue a grievance over the interpretation of the labor contract.
Locher Co. reported cost of goods sold for 2020 of $1,400,000. Locher later discovered that its ending inventories at December 31, 2019 and 2020 were overstated by $110,000 ad $35,000, respectively. What is the correct amount for 2020 cost of goods sold
Answer:
$1,325,000
Explanation:
Calculation for the correct amount for 2020 cost of goods sold
Using this formula
2020 Correct amount for Cost of Goods sold = Reported cost of Goods sold + 2020 Overstated ending inventory - 2019!Overstated Ending inventory
Let plug the formula
2020 Correct amount for Cost of Goods sold = $1,400,000 + $35,000 - $110,000
2020 Correct amount for Cost of Goods sold = $1,325,000
Therefore 2020 Correct amount for Cost of Goods sold will be $1,325,000
By making many burgers before customers ask for them, a fast-food restaurant is sacrificing the dimension of ______ and improving the dimension of ______ in the customers' utility function.
a. fit, timing
b. fit, price
c. fit, timing
d. timing, fit
Answer:
a. fit, timing
Explanation:
A utility function can be defined as a measure of the benefits or satisfaction derived by the consumer of finished goods such as snacks, perfume, shoes, clothes, electronic gadgets etc.
Basically, a customer’s utility function typically refers to the welfare, enjoyment, benefit, usefulness or satisfaction a particular customer derives from a product or goods.
The dimension of timing and fit plays a very significant role in the process of adding value, benefits or satisfaction to a customer's experience.
By making many burgers before customers ask for them, a fast-food restaurant is sacrificing the dimension of fit and improving the dimension of timing in the customers' utility function.
Bob bought some land costing $15,690. Today, that same land is valued at $45,417. How long has Bob owned this land if the price of land has been increasing at 5 percent per year
Answer:
t = 21.78436854 rounded off to 21.78 years
Explanation:
We are given the future value and the present value of land. To calculate the number of years of ownership of the land whose price has been increasing at 5% per year, we can use either use the formula for Future Value or Present value.
Here we are solving it using the future value formula which is,
FV = PV * (1 + r)^t
Where,
FV is Future Value
PV is Present value
r is the annual rate of increase
t is time period in years
Plugging in the values for FV, PV and r, we can calculate the value of t,
45417 = 15690 * (1 + 0.05)^t
45417 / 15690 = (1+0.05)^t
2.894646272 = (1.05)^t
Taking log on both sides.
Ln(2.894646272) / Ln(1.05) = t
t = 21.78436854 rounded off to 21.78 years
A large electric utility company spews million tons of greenhouse gases (mostly carbon dioxide) into the environment each year. This company has committed to spending $ billion in capital over the next five years to reduce its annual emissions by %. More will be spent after five years to reduce greenhouse gases further. a. What is the implicit cost of a ton of greenhouse gas? b. If the United States produces billion tons of greenhouse gases each year, how much capital must be spent to reduce total emissions by % over the next five years based on your answer in Part (a)?
Answer:
a. $537.31 per ton
b. $64,477,200,000
Explanation:
a. 5% of 67 million tons will cost $1.8 billion to be reduced.
The implicit cost of a ton therefore is;
= 1,800,000,000 / (5% * 67,000,000)
= 1,800,000,000/ 3,350,000
= $537.31 per ton
b. The amount to be spent to reduce 4 billion tons by 3% is;
= 537.31 * (4,000,000,000 * 3%)
= $64,477,200,000
3.Assuming the quotes of exchange rates against dollar for the Swiss franc and the Australian dollar are as follows: Bank QuotationsBidAsk $ / SFr .7265 .7272 $ / A$ .6135 .6140 Suppose a Swiss company has investment proceeds equal to 1 million Australian dollars, and wants to convert it to Swiss franc. What are his proceeds from conversion
Answer:
proceeds from conversion is SFr 843,646.86
Explanation:
The computation of the proceeds from the conversion is shown below:
By Converting A$ into $ so we get
= 1,000,000 × 0.6135
= $613,500
And, if
Convert $ into Sfr
So,
= $613,500 ÷ 0.7272
= Sfr 843,646.8646
Therefore, proceeds from the conversion is SFr 843,646.86
The same is to be considered so that the correct value could come
This year, Barney and Betty sold their home (sales price $750,000; cost $200,000). All closing costs were paid by the buyer. Barney and Betty owned and lived in their home for 18 months. Assuming no unusual or hardship circumstances apply, how much of the gain is included in gross income
Answer: $550,000
Explanation:
From the question, we are informed that Barney and Betty sold their home (sales price $750,000; cost $200,000) and that all the closing costs were paid by the buyer.
Since no unusual or hardship circumstances apply and all the closing stocks were paid by the buyer, the amount of the gain that will be included in gross income will be:
= $750,000 - $200,000
= $550,000
Calculate the following if this country buys rice from other countries at the world price of $5 4. Quantity produced domestically
Answer:
If the country buys rice form another country at a price of $5 then its local market will be affected.
Explanation:
The countries import goods from other countries which are scarce in their local market. If the rice is imported from other country then its local rice market will be ruined. The local rice producers will be demotivated as their sales will decline. The local rice producers will have impact on their production and the prices of imported rice will be high.
The Roscoe Company's March 31 bank statement balance was $79,500. As of March 31, outstanding checks total $25,800 and deposits in transit total $16,900. Assuming there are no other reconciling items, what was the March 31 cash balance on Roscoe's books?
a. $70,600
b. $79,500
c. $122,200
d. $88,400
Answer:
a. $70,600
Explanation:
Calculation for the cash balance on Roscoe's books
Using this formula
Cash balance = Bank balance - Outstanding checks + Deposits in transit
Let plug in the formula
Cash balance = $79,500 -$25,800 + $16,900
Cash balance= $70,600
Therefore the cash balance on Roscoe's books will be $70,600
Rusty Co. sells two products, X and Y. Last year, Rusty sold 5,000 units of X and 35,000 units of Y. Related data are as follows: Unit Selling Unit Variable Unit Contribution Product Price Cost Margin X $110 $70 $40 Y 70 50 20 Assuming that last year's fixed costs totaled $675,000, what was Rusty Co.'s break-even point in units
Answer:
Break-even point (units)= 30,000
Explanation:
Giving the following information:
Contribution Product:
Product X= $40
Product Y= $20
First, we need to calculate the sales proportion:
Product X= 5,000/40,000= 0.125
Product Y= 35,000/40,000= 0.875
To calculate the break-even point in units, we need to use the following formula:
Break-even point (units)= Total fixed costs / Weighted average contribution margin
Break-even point (units)= 675,000 / (0.125*40 + 0.875*20)
Break-even point (units)= 30,000
An investor who writes standard call options against stock held in his or her portfolio is said to be selling what type of options? A. Put B. Out-of-the-money C. Covered D. In-the-money E. Naked
Answer:
C. Covered
Explanation:
The covered call is the financial market transaction where the seller of the call options owned the respective amount for the instrument i.e. underlying i.e. shares, other types of securities
Therefore in the given case the option C is relevant and the same is to be considered
hence, all the other options are incorrect