Answer:
Wind
Heat
Water Vapor
Gases
Sun Ray
Gadget Signals
Transverse Wave
Sound
Music
Gamma Rays.
Tim wants to buy an apartment that costs $2,225,000 with an 85% LTV mortgage. Tim got a 30 year, 3/1 ARM with an initial teaser rate of 4.875%. The reset margin on the loan is 300 basis points above 1 year CMT. There are no caps. Tim anticipates the index to be 3.50% at the time of the 1st reset. What is Tim’s monthly mortgage payment going to be during the 1st 3 years?
Answer:
monthly payment = $10,009 (rounded to nearest dollar)
Explanation:
A 3/1 adjustable rate mortgage (ARM) means that the monthly payment will be fixed during the first 3 years only. Then they should vary, although the variance is generally upwards. The monthly interest can be calculated by using the present value of an annuity formula:
monthly payment = present value of the loan / annuity factor
present value of the loan = $2,225,000 x 85% = $1,891,250PV annuity factor, 0.40625%, 360 periods = 188.9615monthly payment = $1,891,250 / 188.9615 = $10,008.65256 ≈ $10,009
Tim's monthly mortgage payment during the first 3 years will be $10,009 (rounded to nearest dollar).
What is an Adjustable-rate mortgage (ARM)?A 3/1 Adjustable-rate mortgage (ARM) is a home loan with a variable interest rate. With an ARM, the initial interest rate is fixed for a period of time. Thereafter, the interest rate used on the remaining balance is adjusted periodically, annually, or monthly.
The monthly interest can be calculated by using the present value of an annuity formula:
[tex]\rm\,Monthly payment = \dfrac{Present \;Value \; of \;the \; loan}{Annuity \; \;factor}\\\\Present Value of the Loan = \$2,225,000 \times 85\% = \$1,891,250\\\\\rm\,(PV\; annuity \;factor, 0.40625\%, 360 \;Periods) = 188.9615\\\\\rm\,Monthly \;Payment = \dfrac{\$1,891,250}{188.9615} \\\\Monthly \;Payment = \$10,008.65256 \\\\Monthly \; Payment = \$10,009[/tex]
Hence, Tim's monthly payment for the first three years will be $10,009.
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The Utah Mining Corporation is set to open a gold mine near Provo, Utah. According to the treasurer, Monty Goldstein, "This is a golden opportunity." The mine will cost $3,200,000 to open and will have an economic life of 11 years. It will generate a cash inflow of $425,000 at the end of the first year, and the cash inflows are projected to grow at 8 percent per year for the next 10 years. After 11 years, the mine will be abandoned. Abandonment costs will be $480,000 at the end of Year 11.
What is the IRR for the gold mine? (Do not round intermediate calculations. Enter your answer as a percent rounded to 2 decimal places (e.g., 32.16).)
Answer:
IRR = 13.05%
Explanation:
using an excel spreadsheet, the cash flows are:
year 0 = -$3,200,000
year 1 = $425,000
year 2 = $425,000 x 1.08 = $459,000
year 3 = $459,000 x 1.08 = $495,720
year 4 = $535,378
year 5 = $578,208
year 6 = $624,464
year 7 = $674,422
year 8 = $728,375
year 9 = $786,645
year 10 = $849,577
year 11 = ($849,577 x 1.08) - $480,000 = $917,543 - $480,000 = $437,543
IRR = 13.05%
The internal rate of return (IRR) is the discount rate at which a project's NPV (net present value) would equal $0.
You survey 125 employees and determine that 25 are extremely unhappy. As you walk the floor, you run into a random employee, what are the odds that she is extremely unhappy
Answer:
0.2 or 20%
Explanation:
The odds of meeting an unhappy person will be the no. of unhappy people divided by the sample size.
=25/125
=1/5
The odds are 1 in every five people is extremely unhappy.
1/5 = 0.2 or 20%
please help me with this match the column if i get perfect answer then i will give brainliest
Answer:
what do you need help on
Explanation:
What is the best what to make money
Explanation:
Be a Customer Service Rep. U-Haul offers the best of both worlds. ...
Fill Out Surveys Online. Survey Junkie is a website that pays teens for sharing their opinion. ...
Get Paid to Search the Internet. ...
Test Products. ...
Sell Textbooks. ...
Design T-Shirts. ...
Babysit. ...
Offer Services For $5.
What sort of work can 14 and 15-year-olds do?
Barista.
Busser.
Caddy.
Cashier.
Dog walker.
Dishwasher.
Grocery bagger.
Host/hostess.
One has to ask oneself how you know that you've discovered something that distinguishes the successful companies from other companies? otherwise, you can fall into a trap that is the same as identifying "the management practice equivalent of having buildings" (collins & porras, 2002, p. 14).
Full question attached
Answer:
Word-for-word plagiarism
Explanation:
Although the student cited some of the author's work that he quoted word for word( "the management practice equivalent of having buildings" (Collins & Porras, 2002, p. 14)), and even referenced with bibliography at the end, he didn't cite(intext citation) the other part (
you know that you've discovered something that distinguishes the successful companies from other companies? )where he quoted the original author word for word and as a result has plagiarized the original author of the work.
Nora has heard that opening a lot of credit card accounts is a good way to build credit. She currently has five cards, but is sometimes forgetful in paying her bills on time and usually has a balance on each card. Her favourite store is offering a $50 coupon on her next purchase, with the promise of more coupons in the future, if she opens a credit card. She decides to open the store credit card to get the discounts.
How would Nora use the decision making steps in this scenario?
Is this a good or bad debt move? Why?
Elysha has a monthly gross income of $3,000 and a monthly debt load of $500. How can her debt-to-income ratio be classified?
Answer:
Her debt to income ratio is classified as favorable
Explanation:
The given information are;
Elysha's gross monthly income = $3,000
The amount she pays as debt each month = $500
Therefore, her debt to in to income ratio, DTI, is given as follows;
DTI = (Amount payed as debt)/(Gross income) = $500/$3,000 ≈ 0.167
We multiply by 100 to express the result as a percentage, to get;
0.167 × 100 = 16.7%
Given that her debt to income ration is less than 35%, her debt to income ratio is classified as favorable and she has a manageable debt.
Answer: Good—between 15 and 20 percent
Explanation: All you have to do is find what the different percents of 3,000 are and see which one is the closest.
One common element of all mass media (whether it is a news article, TV commercial, book or anything intended for a large audience) is that the message is:
A. Emotional
B. Objective
C. Constructed
Answer:
C
Explanation:
most of mass media tries to advertise the people that are watching or looking at it a product of some sort
Which of these contains data that identifies a product?
A. UPC
B. Inventory
C. Information system
D. Purchase order
Answer:
A. UPC
Explanation:
A UPC is an acronym for universal product code. UPC is typically used for the identification of a specific product and its manufacturer (vendor) through a unique code that is printed on the product.
Basically, a universal product code (UPC) comprises of two (2) main parts;
A machine-readable barcode that contains sets of vertical black lines. A unique twelve (12) digit number placed beneath or adjacent to the machine-readable barcode.The first six-digits of the UPC represents the manufacturer and is printed on all of its products while the next five-digits is the product's unique reference number (item number) and the last digit is typically known as a check digit, used for the verification of the authenticity of a UPC.
Generally, the universal product code are usually scanned with a barcode scanner and this makes it easier to identify a product, as well as its price.
Hence, a universal product code (UPC) contains data that identifies a product.
Answer:
upc
Explanation:
The main purpose of a contractual institution is to:
O A. use deposited money to purchase stocks and bonds in order to
make a profit.
B. provide guaranteed payments to depositors under specific
conditions.
C. allow customers to deposit money into accounts at no charge.
D. hold deposits in accounts and use that money to offer loans.
The main purpose of a contractual institution is to hold deposits in accounts and use that money to offer loans. Contractual savings institutions, like all financial intermediaries, are identical to commercial banks.
What is contractual institution?Contractual savings institutions are financial intermediaries that acquire funds on a contractual basis and invest them in such a way that financial instruments mature when contractual obligations are due.
Contractual savings organizations include national provident funds, life insurance companies, private pension funds, and sponsored social pension insurance systems.
Thus, option D is correct.
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The Court of International Trade is a "special" court.
True
False
Answer:
true
Explanation:
because it's always economy wise and smart
'what she said' phrase or clause. give reason
What is a stock symbol?
Answer:
A stock symbol is an arrangement of characters—usually letters—representing publicly-traded securities on an exchange. When a company issues securities to the public marketplace, it selects an available symbol for its shares, often related to the company name.
Explanation:
Timothy Gates and Prada Singh decide to form a new company, TGPS LLC (a multimember LLC that will report its operations as a partnership). Timothy is married, and Prada is single. Each contributes $400,000 of capital to begin the business, and both materially participate in the business. In 2019, TGPS reports a net loss of $580,000. What are the implications of this loss for Timothy and Prada?
Answer:
Since Timothy is married (and probably files as married filing jointly) can use $290,000 (half of the total loss) to offset nonbusiness income.
On the other hand, since Prada is single, she has an excess business loss of $40,000 ($290,000 - $250,000). She can only use $250,000 (part of her share of the loss) to offset nonbusiness income. The remaining $40,000 must be carried forward and may be used in the future.
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Answer:
ill take it lol but whats the catch??
Explanation:
Answer:
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Explanation:
Brainliest...
How are business plans used in health care? Check all that apply.
-identifying a consumer market
-establishing goals and objectives
-comparing prices of medical equipment
-calculating a company's cash flow
-figuring out the business's purpose
Answer:
identifying a consumer market
comparing prices of medical equipment
calculating a company's cash flow
Answer:
Establishing goals and objectives
Figuring out the business’s purpose
Explanation:
I got it correct ;)
Samantha has a bakery that has been successfully run for over a year, and it’s growing in popularity. If she planned to use her profits in order to merely cover the same costs she had in the previous year, what risk is she most likely taking? Group of answer choices might not be able to pay her taxes might not be able to attract essential new investors might lose customers because of a lack of innovation might not be able to keep up with increased demand
Answer:
NOT might lose customers because of a lack of innovation
NOT might not be able to attract essential new investors
Explanation:
Since in the question it is mentioned that Samantha who has a bakery is sucessfully run for a year and it is popular also. At the same time she planned for using her profits in order to cover up the similar cost that had done in the last year
So based on this, the risk she has taking is that she not want to lose his customers as there is an innovation lacking also she is not capable to attract the new investors
Therefore the same is to be considered
Which type of economy is used by the United States?
HELPPPPPPPPP
Answer:
mixed economy
Explanation:
The United States has a mixed economy. It works according to an economic system that features characteristics of both capitalism and socialism.
mixed economy
The United States has a mixed economy. It works according to an economic system that features characteristics of both capitalism and socialism
Need Help ASAP
How do you demonstrate independence and initiative in your daily life? Discuss examples. Write 4 sentences. First, define the terms: independence & initiative. Then give me examples of each.
Will give brainly.
Answer:
I. Never stand still
2. Do more than is Required of you
3. Think as a team Member, Not an Employee
4 Speak up and share your ideas
5 Fake it till you make it
6. Consider every opportunity
7. Always be prepared
8. Be Self-Pronotional
Explanation:
Hope this helps! Tell me if I'm wrong. If thai Helps Give me brainly.
Part A
In the video, what tax cut is President Obama extending?
Answer: He is announcing an extension of a cut in payroll taxes.
Explanation: edmentum/ plato
Wright Company deposits all cash receipts on the day when they are received and it makes all cash payments by check. At the close of business on May 31, 2017, its Cash account shows a $27,500 debit balance. The company’s May 31 bank statement shows $25,800 on deposit in the bank. The May 31 bank statement lists $100 in bank service charges; the company has not yet recorded the cost of these services. Outstanding checks as of May 31 total $5,600. May 31 cash receipts of $6,200 were placed in the bank’s night depository after banking hours and were not recorded on the May 31 bank statement. In reviewing the bank statement, a $400 check written by Smith Company was mistakenly drawn against Wright’s account. The bank statement shows a $600 NSF check from a customer; the company has not yet recorded this NSF check. Prepare a bank reconciliation for the company using the above information.
Answer:
Please see solution below
Explanation:
Bank reconciliation as at June 31st.
•Bank statement balance
$25,800
Add:
Bank service charges
$100
NSF check
$600
Wrong drawn
$400
Total
$1,100
Adjusted bank balance
$26,900
Bank reconciliation as at June 31st.
•Cash book balance
$27,500
Add: outstanding checks
$5,600
Balance
$34,100
Less: deposit in transit
($6,200)
Adjusted book balance
$26,900
Assume that at one point a business sells organizers for a price of $20 each, which cost $10 to produce (variable costs). The business's fixed expenses for the period are $4,000. What is the break-even point?
300 units
200 units
100 units
400 units
Answer:
400 units
Explanation:
From the contribution margin concept, the break-even point is obtained by dividing the fixed costs by the contribution margin per unit.
For this business, fixed costs are $4,000
Contribution margin per unit is equal to sales price - variable cost per unit
=$20 - $10
= $10
Break-even point = $4000/$10
=400 units
To measure ingredients accurately, it is best to measure items in as many
measurements as possible.
TRUE
FALSE
Refer to Exhibit 4-11. Suppose that the government imposes a price ceiling in the market for good ABC at a price of $4. The number of units that would be exchanged in the market for good ABC at the price ceiling would be _________ units.
Question Completion:
Exhibit 4-11
Price of Good ABC Quantity Demanded Quantity Supplied
$4 100 40
5 80 80
6 60 110
7 50 160
Options:
a. 20
b. 40
c. 100
d. 60
Answer:
The number of units that would be exchanged in the market for good ABC at the price ceiling would be _________ units.
b. 40
Explanation:
The suppliers of good ABC cannot sell above $4 since it is the price ceiling. A price ceiling is the opposite of a price floor. A price ceiling usually prevents the market of good ABC from reaching equilibrium as suppliers will be unwilling to supply more units of ABC.
When applying for a loan, the lending institution evaluates a potential borrower's ability to complete repayment on a loan, cash on hand, collateral, and job status, play critical factors at arriving on this decision. A. Civil B. Criminal C. Character D. Capacity
Answer:
D. Capacity
Explanation:
In order to applying for a loan, the financial institution analyze the borrower information in terms of creditworthiness i.e. collateral property, cash on hand, repayment conditions, status of the job. These factors should be based on the capacity of the borrower whether he or she is eligible for a loan or not
Therefore according to the given situation, the option D is correct and the same is to be considered
COMMON MEASURE OF WHAT SOMETHING IS WORTH OR WHAT SOMETHING COSTS
Answer:
price. is the answere I am almost certain
Bianca has take-home pay every month of $800. She anticipates having $675 of expenses in August.
In a zero-based budget, why is it important that she put the extra $125 in some budget category?
Where might you suggest Bianca budget that extra $125? Why?
Farmer Owens has an apple orchard that must be pollinated by bees in order to bear fruit. Farmer Owens's neighbor, Maude, owns beehives with bees that can pollinate the apple trees. Suppose the benefit of the bees to Farmer Owens is $5,000 per year. Suppose the bees provide no benefit to Maude but she must pay $3,000 per year to maintain the hives. If Farmer Owens and Maude engage in Coasebargaining, what would likely result?
A. Farmer Owens would pay Maude between $3,000 and $5,000 to maintain the hives.
B. Maude would pay Farmer Owens between $3,000 and $5,000 to maintain the hives.
C. Farmer Owens would pay Maude between $0 and $5,000 to maintain the hives.
D. Farmer Owens would pay Maude at least $5,000 to maintain the hives.
E. Farmer Owens would not be willing to pay Maude an amount such that she would maintain the hives.
Answer:
E. Farmer Owens would not be willing to pay Maude an amount such that she would maintain the hives.
Explanation:
Remember, coerce bargaining implies that one party to a bargain uses their ability or privilege or advantage to force or pressure the other party to accept the bargain.
Hence, Farmer Owens, who seems to have a better advantage over Maude would likely coerce her into accepting his offer by not been willing to pay Maude an amount such that she would maintain the hives.
Tyler is using a credit card to purchase a television. Which of the following should Tyler expect? Check all that apply
to have the full amount available in his bank account right away
to receive a bill at a later date
to be able to pay for it over time
to write a check
to pay interest if he does not pay in full by a certain date
A credit card is termed as the card that is in the rectangular shape that provides the services and then acquires the payment from the customers. The customers intake the funds from the card to acquire goods and services and then pay for the acquired services.
The correct options are...
B.) To receive his bill at a later date
C.) To be able to pay it over time
D.) To pay interest if he does not pay in full by a certain date
These options are correct because first of all, there was no way for Tyler to immediately get the money into his account so the first answer is not correct. It is also a credit card so he would not need to write a check.
Options:
A. to have the full amount available in his bank account right away
E. to pay interest if he does not pay in full by a certain date
These options are wrong because they do not fulfill the expectation of Tyler regarding the purchase of the credit card.
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Answer:
B.
C.
E.
Explanation: Edge