Answer:
This depends on the type of interest charged and the length of the loan. Generally speaking, floating loans should adjust semi-automatically to changes in interest rates. So any change affects them directly.
On the other hand, fixed rate loans, most mortgages and installment loans generally carry a fixed interest rate that doesn't depend on the market interest rate. Some mortgages (around 33% of total) are variable rate mortgages that are affected by changes in the market interest rate, but they adjust on a yearly basis.
Who wanna tlk to me like a RL convo?
Answer:
Me, i need a convo but not on this so, socials?
Answer:
I would me and you about scarlet i need to talk anything as you know to help me found out if she is okay
Explanation:
Assume that the person does not place any additional charges on the card and pays the bank $150 each month to pay off the loan. Let Bn be the balance owed on the card after n months. Find an explicit formula for Bn.
Answer:
B(n) = t - 150n
Explanation:
The following formula can be used to calculate the balance owed after a certain amount of months have passed by ...
B(n) = t - 150n
This formula basically states that the balance that is owned (B(n)) is equal to the total amount that was borrowed minus the 150 that was already paid off multiplied by the total amount of months/payments made (n). Which for example, after 5 months would be (150 * 5 = 750) $750 paid back.
Fiona works in customer relations for a national mail order catalogue. She spends the day solving problems for customers. It is very rare that she ever runs across a situation that she has not solved in her past. Almost everything she has dealt with is listed in her employee manual. What type of decisions does she spend her day making
Answer:
Fiona makes only routine operational decisions.
Explanation:
These types of decisions are made on a daily basis. There is no innovation required at the operational level in decision-making. As noted, everything Fiona deals with is listed in her employee manual. She is only required to follow routine instructions and procedures. She is not involved with any tactical or strategic decisions. Tactical and strategic decisions are made mostly by her Customer Relations Manager and Senior Management respectively.
In a data dictionary, data elements are combined into ____, which are meaningful combinations of data elements that are included in data flows or retained in data stores.
Answer:
Records.
Explanation:
A database management system (DBMS) can be defined as a collection of software applications that typically enables computer users to create, store, modify, retrieve and manage data or informations in a database. Generally, it allows computer users to efficiently retrieve and manage their data with an appropriate level of security.
A data dictionary can be defined as a centralized collection of information on a specific data such as attributes, names, fields and definitions that are being used in a computer database system.
In a data dictionary, data elements are combined into records, which are meaningful combinations of data elements that are included in data flows or retained in data stores.
This ultimately implies that, a data dictionary found in a computer database system typically contains the records about all the data elements (objects) such as data relationships with other elements, ownership, type, size, primary keys etc. This records are stored and communicated to other data when required or needed.
Basically, when a database management system (DBMS) receives data update requests from application programs, it simply instructs the operating system installed on a server to provide the requested data or informations.
____________________________ occurs when you receive a bill for $1000 and send a check for $500 to pay the invoice, write paid in full in the memo and the recipient cashed the check.
Answer:
Accord and satisfaction
Explanation:
Accord and satisfaction is the legal term that we use when two people a creditor and a debtor dispute an amount of money that the creditor lended to the debtor.
The debtor has the opportunity to come to terms with the creditor by reaching and accord and satisfaction the debtor can send a paid in full check which basically means that if the debtor cashes in that check he agrees to lower or settle for the amount the debtor has send in the check for the full amount of the debt.
So in this case the creditor will be accepting a $500 agreement with the debtor for the full $1000 debt.
James is a salaried employee whose job is to proofread legal documents. He discovers that he is paid substantially more than his colleagues, even though their jobs and performances are very similar. What is likely to be his reaction to this discovery according to the equity theory
Options:
A) The quantity of documents he proofreads will decrease.
B) The quality of documents he proofreads will decrease.
C) The quality of documents he proofreads will increase.
D) He will seek a position within the company commensurate with his pay.
E) There will be no effect.
Answer:
C) The quality of documents he proofreads will increase.
Explanation:
According to the equity theory when employees discover that there's an inequity in they are personally treated and other employees, they will be motivated to adjust the quality of their work so they view such treatment as being fair.
Hence, James would improve the quality of documents he proofreads so that it seems he is been paid fairly.
Good customer service are the number one skill for chefs? True or false
After graduation in 3 years, Antwone would like to take a much needed vacation to the Caribbean Islands. He anticipates that the all inclusive vacation package will cost him $3,000. His bank will pay 7% per year compounded semiannually. How much does he need to deposit into this account each semiannual period, so that he can take his vacation in 3 years?
Answer:
semiannual deposit= $458
Explanation:
Giving the following information:
He anticipates that the all inclusive vacation package will cost him $3,000. His bank will pay 7% per year compounded semiannually.
To calculate the semiannual deposit, we need to use the following formula:
FV= {A*[(1+i)^n-1]}/i
A= semiannual deposit
Isolating A:
A= (FV*i)/{[(1+i)^n]-1}
A= {3,000*0.035) / [(1.035^6) - 1]
A= $458
At the end of the year, Bramble Co. has pretax financial income of $583,000. Included in the $583,000 is $74,200 interest income on municipal bonds, $26,500 fine for dumping hazardous waste, and depreciation of $63,600. Depreciation for tax purposes is $47,700. Compute income taxes payable, assuming the tax rate is 30% for all periods.
Answer: $165,360
Explanation:
Taxable Income = Pretax income + fine for dumping waste - interest income on municipal bond + book depreciation - tax depreciation
= 583,000 + 26,500 - 74,200 + 63,600 - 47,700
= $551,200
Income taxes payable = 551,200 * 30%
= $165,360
Help me please thank you
Answer:
Preparing a gourmet meal is a great team building exercise! Working in a kitchen together is similar to working a project. Each person has to work cohesively together to produce a product. This can help teach divvying up certain aspect of the project, like one person cuts the vegetables and the other starts to gather the pots and pans. If they work separately and alone, the meal won't be prepared correctly. Communication is a very important aspect of this. If the group works together correctly, separates the jobs equally, and communicates the needs of the project to each other the meal will be made correctly! If they do not, the entire meal will fall apart.
Alpha Company was recently sold for $1,250,000. Alpha assets & liabilities consisted of the following: Item Amount Cash $75,000 Inventory $275,000 Property, Plant & Equipment (net) $750,000 Accounts Payable $350,000 Using this information, how much should be recorded as Goodwill for this transaction?
Answer:
Goodwill = $ 500,000
Explanation:
Alpha Company
Assets
Item Amount
Cash $75,000
Inventory $275,000
Property, Plant & Equipment (net) $750,000
Total Assets = $ 1100,000
Liabilities
Accounts Payable $350,000
Total Liabilities = $ 350,000
Good will is calculated by adding the difference of total assets and liabilities to the cash received.
Goodwill = Total Liabilities + Cash Received - Total Assets
= $ 350,000+$1,250,000- $ 1100,000
= $ 500,000
The cost of capital used to compute the present value of a project should be the rate that can be earned on:
Answer:
the questions are missing:
a. a financial asset of comparable risk. b. the overall market portfolio. c.the sponsoring firm's return on equity. d. a riskless asset with a similar life span. e. the sponsoring firm's return on assets.The answer is:
a. a financial asset of comparable risk.
The cost of capital (Re) represents the opportunity cost of investing in a certain project and leaving behind other alternative projects. E.g. if we can invest in two different securities, A or B, and security A has a much lower risk than project B, then the Re or discount factor for calculating the present value of project A will be lower than the discount factor used to determine the present value of project B.
A corporation that has a diversified investment portfolio, uses different costs of capital when analyzing potential investments, e.g. investing in Swiss securities is not the same as investing in Argentinean securities, since Argentina is currently facing a great recession and has recently defaulted again on its national debt (third time in 20 years).
The cost of capital that should be used on a project should be the return on a financial asset of comparable risk.
Cost of capital:
Is the rate of return that a project should bring in Is the opportunity cost of investing in the project in questionWhen a project is invested in, it means that other projects will be foregone. These projects would have been similar to the current project in terms of risk yet this current project was chose. The cost of capital should therefore reflect this opportunity cost by being the return on those projects.
In conclusion, the cost of capital is an opportunity cost.
Find out more on cost of capital at https://brainly.com/question/8287701.
Use the information below to answer the following questions. Boxwood Company sells blankets for $60 each. The following was taken from the inventory records during May. The company had no beginning inventory on May 1.
$20
Date Blankets Units Cost
May 3 Purchase 5 $ 20
10 Sale 3
17 Purchase 10 24
20 Sale 6
23 Sale 3
30 Purchase 10 30
Assuming that the company uses the perpetual inventory system sold for the sale of May 20 using the LIFO inventory cost method
a. $136
b. $144
c. $180
d. $120
Answer:
you into buisness or no i am
Explanation:
ssume that you own an annuity that will pay you $15,000 per year for 12 years, with the first payment being made today. You need money today to open a new restaurant, and your uncle offers to give you $100,000 for the annuity. If you sell it, what rate of return would your uncle earn on his investment
Answer:
13.08%
Explanation:
this is an annuity due, and to determine its present value we can use the following formula:
present value = (annual payment / i) x {1 - [1 / (1 + i)ⁿ]} x (1 + i)
100,000 = (15,000 / i) x {1 - [1 / (1 + i)¹²]} x (1 + i)
The math is really complicated if you do it by hand, instead you should use a financial calculator. You would need to calculate the IRR, but the cash flows are:
first cash flow = -85,000
then 11 cash flows of 15,000 (remember that an annuity due is collected in advance)
IRR = 13.08%
Would it be smart to be a police or should I be something else because this all these riots going on I am really rethinking about being a police!!!!!!
Answer:
smart to be a police.......
Given the following information, what would utilization be? Effective capacity is 20 units per day. Design capacity is 60 units per day. Actual output is 15 units per day.
Answer:
Utilization=25% or 1/4
Explanation:
Calculation for what would be the utilization
Using this formula
Utilization=Actual output /Design capacity *100
Let plug in the formula
Utilization=15 units per day/60 units per day*100
Utilization=0.25*100
Utilization=25% or 1/4
Therefore what would be the utilization is 25% or 1/4
A company reports the following beginning inventory and two purchases for the month of January. On January 26, the company sells 430 units. Ending inventory at January 31 totals 170 units. Units Unit Cost Beginning inventory on January 1 390 $ 3.80 Purchase on January 9 90 4.00 Purchase on January 25 120 4.10 Required: Assume the perpetual inventory system is used. Determine the costs assigned to ending inventory when costs are assigned based on the weighted average method. (Round your per unit costs to 2 decimal places.)
Answer:
cost of goods sold = 430 units x $3.89 = $1,672.70
ending inventory = 170 units x $3.89 = $661.30
Explanation:
Beginning inventory on January 1: 390 $3.80 = $1,482
Purchase on January : 90 $4.00 = $360
Purchase on January 25: 120 $4.10 = $492
total number of units = 600
total value = $2,334
average cost per unit = $3.89
cost of goods sold = 430 units x $3.89 = $1,672.70
ending inventory = 170 units x $3.89 = $661.30
For this question, assume that individuals hold both currency and checkable deposits. The money multiplier is equal to:
Answer:
Money multiplier = 1 / C + θ(1 - c)
Explanation:
The money multiplier is the ratio of Deposits to Required reserves ratio. On any increase in deposits in commercial banks, the money multiplier measures the number of times that aggregate money supply increases in the economy as a result of the increase. The money multiplier = 1 / C + θ(1 - c). Where C denote Currency and θ(1 - c) denote Check-able deposit.
Rico's Taqueria had cash inflows from operating activities of $29,000; cash outflows from investing activities of $24,000, and cash outflows from financing activities of $14,000. Calculate the net increase or decrease in cash.
Answer:
There is net decrease of $9,000 in cash
Explanation:
Rico's Tacqueria had cash inflows from operating activities of $29,000
Cash outflows from investing activities
$24,000
Cash outflows from financing activities
$14,000
The net decrease in cash
= $29,000 - ($24,000 + $14,000)
= -$9,000
The balance is a decrease because the value of outflow is more than the inflow value.
It therefore means that there is net decrease of $9,000 in cash
Toyota stock has the following probability distribution of expected prices one year from now: State Probability Price 1 25 % $ 50 2 40 % $ 60 3 35 % $ 70 If you buy Toyota today for $55 and it will pay a dividend during the year of $4 per share, what is your expected holding-period return on Toyota
Answer:
20%
Explanation:
the expected future value of Toyota's stock = (0.25 x $50) + (0.40 x $60) + (0.35 x $70) = $61
dividends received = $4
total returns during one year = $4 + ($61 - $55) = $11
expected holding period return = $11 / $55 = 20%
In order to determine the expected value of a future cash flow we must multiply each possible value by the probability of occurrence. In this case, the only certainty was the dividend that will be received.
The expected holding-period return on Toyota is 18.18%.
The calculation is as follows:State Probability Price Probability × Price
1 25% $50 $12.50
2 40% $60 $24.00
3 35% $70 $24.50
Expected Price in 1 year $61.00
Now
Income from holding Toyota Stock is
= ($61.00 - $55.00) + $4.00
= $10.00
Now finally the holding period return is
= $10.00 ÷ $55.00
= 0.1818 or 18.18%
Therefore we can conclude that The expected holding-period return on Toyota is 18.18%.
Learn more: brainly.com/question/6201432
Suppose you sell short Apple.Inc which is currently trading at $100 per share. You put $20,000 as cash into your brokerage account with an initial margin of 50%. The maintenance margin is 25%. a. How many shares of Apple can you sell short? (8 pts) b. How far can the stock price increase before you get a margin call? (12 pts)
Answer:
A. 400 shares
B. 400 shares
Explanation:
You can calculate the amounts required in Requirement A and B by using their formulas given below.
No.of shares you can short = Cash Available/(Initial Margin*Price per share)
No.of shares you can short = 20,000/(50%*100)
No.of shares you can short = 400 shares
Price = Amount borrowed with interest/ No. of shares) / ( 1- Maintenance margin)
Price = (20,000/400)/(1-25%)
Price = 50/0.75
Price = 66.66
A7X Corp. just paid a dividend of $2.40 per share. The dividends are expected to grow at 16 percent for the next eight years and then level off to a growth rate of 6 percent indefinitely. If the required return is 15 percent, what is the price of the stock today
Answer:
50.26
Explanation:
We can calculate the price of the stock by summing up the present values of all years. To calculate PV of each year we need to grow the dividend value by 6% and then multiply it to the Present value factor.
Year D0 Value of dividend PVF (15%) Value
1 D1 2.78 0.869 2.42
2 D2 3.23 0.756 2.44
3 D3 3.75 0.657 2.46
4 D4 4.35 0.571 2.48
5 D5 5.04 0.497 2.51
6 D6 5.85 0.432 2.53
7 D7 6.78 0.375 2.55
8 D8 7.87 0.326 2.57
9 D9 8.34 0.09 30.29
Stock value 50.26
A potato shortage results in an increased variable cost per potato of $.40, but selling prices remained unchanged. How many additional potatoes will the vendor have to sell to still achieve the profit objective of $750 per week
Answer: 40 potatoes
Explanation:
The number of potatoes that the vendor had to see previously to get $750 in profit is;
= (Fixed cost + Profit objective) / Contribution margin
= (600 + 750) / ( 4.90 - 1.03)
= 349 potatoes
Number of potatoes to be sold with increase in cost
= (600 + 750) / (4.90 - 1.03 - 0.4)
= 389 potatoes
Additional potatoes;
= 389 - 349
= 40 potatoes
Note : Contribution margin = Sales - Variable cost
A firm that attempts to pass along the cost of higher union wages to consumers in the form of higher prices will be more successful if the price elasticity of demand for its product is
Answer:
Inelastic
Explanation:
The consumers are very responsive to a change in price if the elasticity of demand for the product is elastic while they are not very responsive if the elasticity of demand for the product is inelastic. So in the case of inelastic if the price increases then the demand will not be much reduced and will result in increase in the total revenue.
Hence, a firm is more successful in passing the high cost to the consumer if the demand is inelastic.
17. You have just been awarded a $200,000 insurance settlement. The insurance company has offered to invest this amount at a guaranteed interest rate of 4.5% for ten years. You think you can invest this money yourself and earn an average return of 8%. If you are able to do that, how much more will your settlement be worth ten years from now than if you had left the funds with the insurance company
Answer:
$121191.12
Explanation:
Future value is the value of an asset at a specific date. It measures the nominal future sum of money that a given sum of money is "worth" at a specified time in the future assuming a certain interest rate, or more generally, rate of return.
Formula: FV=PV(1+r/100)^n
where
FV=future value
PV=present value = 200,000
r=rate of interest = 4.5%
n=time period. = 10
Insurance company
FV = 200,000*(1.045)^10
FV = 200,000*1.55296942
FV = $310593.88(Approx)
Investment by yourself
FV = 200,000*(1.08)^10
FV = 200,000*2.158925
FV = $431785
Difference= 431785-310593.88
Difference= $121191.12
(17) 7-a A job had an observed cycle time of four minutes, a performance rating of 80 percent, and an allowance factor that was 20 percent of job time. Normal time for the job in minutes is: Group of answer choices
Answer: 3.20 minutes
Explanation:
Observed cycle time = 4 minutes.
Performance rating = 80%
Allowance factor = 20%
The normal time for the job will be calculated as the observed cycle time multiplied by the performance rating. This will be:
= 4 × 80%
= 4 × 0.8
= 3.20 minutes
The normal time for the job is 3.20 minutes.
How should the assets and liabilities of Stanley be reported on the consolidated financial statements when Stanley is combined with Paxton on April 1, 2015
Answer:
At fair values at the April 1, 2015 date of the acquisition.
Explanation:
Note: The full question is attached below for understanding
As Paxton Corporation acquired all of the outstanding voting common stock of Stanley Company and Stanley will remain a separate corporation. Stanley's year-end is December 31. The acquired net assets should be reported based on when Stanley is combined with Paxton on April 1, 2015 at fair values at the April 1, 2015 date of the acquisition.
A process is __________ constrained if the highest implied utilization of all resources is less than or equal to 100%.
Answer:
Demand.
Explanation:
Demand can be defined as the quantity of goods or services that consumers are willing and able to buy at a given price over a specific period of time.
The law of demand states that there is a negative relationship between the price of a good or service and the quantity of the good or service demanded by a customer or consumer.
This ultimately implies that, when the prices of goods and services in the market increases or rises: there would be a significant decline or fall in the demand for this goods and services.
Hence, a process is demand constrained if the highest implied utilization of all resources is less than or equal to 100% because employment and the level of production or output is limited by overall demand. An example of a demand constrained process or system is capitalism because it is always characterized by unending unemployment rate.
For each of the three generic strategies (i.e., cost leadership, differentiation, and focus), which of the four competitive uses of information is most powerful?
Answer: Focus
Explanation:
The overall cost leadership is a kind of generic strategy which mainly focuses on the encouraging the customers to purchase goods on low cost and also appeal them on a industry wide market. This also offers an competitive advantage of industry worldwide.
The differentiation is a strategy which encourages the customers based on the uniqueness of goods.
The focus is a strategy which focus on narrow market segment using both uniqueness of goods and low cost as competitive advantages at the international level.
A company sells a product that is relatively unique. Consequently, there is not a lot of competition for the product. The company most likely: A. is a price-taker. B. uses a pricing approach emphasizing target costing. C. is a price-setter. D. sells commodities.
Answer:
C.
Explanation:
Price-setters or price-makers are those companies that are able to set prices as their products vary from those of it's competitors. Such entities are able to enjoy pricing power in monopoly market.
In the given scenario, the company whose product is relatively unique will be price setter. Since the product is new in the market, the entity is able to set price in the market for it's competitors.
Therefore, the correct answer is option C.