Answer:
Fixed-rate
Explanation:
Fixed-rate loans and mortages are those that have a specific interest rate, and a specific payment that will not ever change over the duration of the loan because both are fixed. In other words, a fixed-rate loan is simply a annuity payment over a particular period of time.
For first-time buyers this is the easiest option because it is simple, it can be easily projected over time, and helps with financial planning.
InfoFree Inc., makes and sells devices and services for the circumvention of encryption software and other technological antipiracy protection. Under the Digital Millennium Copyright Act, this is
Answer:
a violation of copyright law.
Explanation:
The term "Digital Millennium Copyright Act" is also denoted as "DMCA" and was established in 1998 as an "anti-piracy statute" which is effectively responsible in making it illegal to the "circumvent copy protections" that are being designed to discriminate pirates from duplicating the "digital copyrighted" selling and works or tends to distribute them freely.
The violation of copyright law is described as a violation of an organization or individual's copyright. It is referred to as the unauthorized usage of any copyrighted material, for example, videos, text, software, photos, etc.
In the question above, the given statement represents the violation of copyright law.
A U.S. company uses U.K. pounds it already owned to purchase bonds issued by a company in the U.K. Which of these countries has an increase in net capital outflow?
Answer:
d. Neither the U.S. nor the U.K.
Explanation:
Net capital outflow is the net flow of funds i.e. invested in abroad by a nation during a specified period of time generally a year. It could come in positive when the nation invest more amount as compared with the invested amount in the world
Since in the question it is mentioned that U.S company that used U.K pounds that are already owned to buy bond issued by a U.K company
So here no one has an increase in net capital outflow
hence, the correct option is d.
In order to be fully rested before Angel’s big History test, she should get at least________hours of sleep.
a.
8
c.
9
b.
7
d.
10
Please select the best answer from the choices provided
A
B
C
D
Answer:
B. 7 hours
Explanation:
right on edg
Answer: B. 7 hours
Explanation: On Edge!
What is the name of the independent federal agency that is designed to monitor and regulate the country's credit unions
Answer:
The National Credit Union Administration
Explanation:
The National Credit Union Administration is an independent federal agency that supports and regulates federal credit unions and their customers in the United States.
In the long run, if the marginal product of capital equals the real interest rate, investment is given by: g
Answer:
Investment equals savings.
Explanation:
Marginal product of capital is the real rental price of the capital. It is equal to the real interest rate if the law of diminishing returns is prevailing in the economic system. In such case the investments will be equal to savings. If the real interest rate is increased by the marginal product of capital then depreciation rate and risk premium accounts for the difference.
A market failure is most likely to occur when: Multiple Choice many producers produce identical products, and only the consumers are affected by the transactions. a sole producer of a good faces no threat of competition. several producers of a good compete for customers by having price wars. several producers of a good search for the lowest-cost method of production.
Answer:
a sole producer of a good faces no threat of competition.
Explanation:
A market failure can be defined as a situation where there is inefficiency in the distribution of goods and services from the producers to the consumer in a free or open market.
A market failure is most likely to occur when a sole producer of a good faces no threat of competition. This ultimately implies that, a sole producer of a product is the sole determinant of prices of goods, quantity of goods and even choose to hoard the goods, thereby resulting in a market failure.
examples of kinetic energy
Answer:
Wind mills, moving cars
Explanation:
A book falling off a shelf
Water falling from a water fall
An arrow being shot from a bow
Some riding a bike down a hill
A cart moving down from a high point in on a roller coaster
"You are considering investing in a mutual fund. The fund is expected to earn a return of 15 percent in the next year. If its annual return is normally distributed with a standard deviation of 5.20 percent, what return can you expect the fund to beat 95 percent of the time? (Round answer to 2 decimal places, e.g. 52.75%.)"
Answer:
Expected return = 4.808% to 25.192%
Explanation:
Given:
Average rate of return = 15%
Standard deviation = 5.20%
At 95% Z value = 1.96
Find:
Expected return
Computation:
Expected return = Average return ± [Z× Standard deviation] Expected return = 15% ± [1.96 × 5.20%]
Expected return = 15% - 10.192% and 15% + 10.192%
Expected return = 4.808% to 25.192%
When interest rates are fixed, rises in the rate of inflation tend to penalize ________ of financial capital, while _________ of financial capital end up better off.
Answer: b. suppliers; demanders
Explanation:
When interest rates are fixed, rises in the rate of inflation tend to penalize suppliers of financial capital, while demanders of financial capital end up better off.
When inflation rates rise, the value of the currency i.e. the dollar, is eroded which means that it can only buy less or pay for less than it used to.
If interest rates are fixed, the interest payments are fixed which means that when the suppliers of the capital are paid back in a rising inflation environment, they get less dollars back which means that they are worse off.
The demanders of the capital however, will be effectively paying back less than they are supposed to pay so they will be better off.
In its first month of operations, Metlock, Inc. made three purchases of merchandise in the following sequence: (1) 300 units at $7, (2) 400 units at $9, and (3) 500 units at $10. Assuming there are 200 units on hand at the end of the period, compute the cost of the ending inventory under (a) the FIFO method and (b) the LIFO method. Metlock, Inc. uses a periodic inventory system. FIFO LIFO The Ending Inventory $Enter a dollar amount $Enter a dollar amount
Answer:
a. $2,000
b. $1,400
Explanation:
FIFO
FIFO method assumes that the inventory bought in first, will be the first to the sold to customers.
Ending Inventory = 200 units × $10
= $2,000
LIFO
LIFO methods assumes that the inventory bought in last will be the first to be sold to the customers.
Ending Inventory = 200 units × $7
= $1,400
At the current GDP level, inventories are rising. What does this mean in terms of the relationship between aggregate expenditures and GDP, leakages and injections, and would we expect GDP to ise or fall in the future?
Answer:
Explanation:
If at the current GDP level inventories are rising, that means firms are spending more to stock up on inventories.
What does this mean, in terms of the relationship between aggregate expenditures and GDP?
- The information provided in the question shows that aggregate expenditure is on the rise; as firms' spending is increasing.
What does this mean in terms of the relationship between leakages and injections?
- This situation means that the level of injection of money into the economy is rising; probably faster than withdrawal rate.
Would you expect GDP to rise or fall in the future?
- You should expect GDP (Gross Domestic Product) to rise in the future. This is because a greater level of spending in the economy will lead to a higher amount of gross (overall) domestic (within the country) product!
A firm has current assets that could be sold for their book value of $16 million. The book value of its fixed assets is $55 million, but they could be sold for $85 million today. The firm has total debt with a book value of $35 million, but interest rate declines have caused the market value of the debt to increase to $45 million. What is this firm's market-to-book ratio? (Round your answer to 2 decimal places.)
Answer:
2.81
Explanation:
The first step is to calculate the market value
= 16 million + 85 million
= 101 million
The book value can be calculated as follows
= 16 million + 55 million -35 million
= 36 million
Therefore the firm market to book ratio can be calculated as follows
= 101 million/36 million
= 2.81
g A stock has an expected return of 16.00%. The risk-free rate is 1.63% and the market risk premium is 10.53%. What is the β of the stock?
Answer: Beta = 1.36
Explanation:
Using the Capital Asset Pricing Model CAPM formulae, we have that
Expected return= risk free rate+(betaXmarket risk premium)
16= 1.63 + ( beta x 10.53)
16-1.63= beta x 10.53
14.37/10.53 = beta
Beta = 1.36
Todd Foley is applying for a $240,000 mortgage. He can select either a $1,680 monthly payment with no points or a $1,512 payment with 4 points. How many months will it take Todd to cover the cost of the discount points if he takes the lower monthly payment
Answer:
57 months
Explanation:
Calculation of number of lower monthly payment
Number of months = Percentage discount Points * Principal / Higher amount without point - Lower amounts with point
Number of months = $240,000 * 0.04 / $1,680 - $1,512
Number of months = $9600 / $168
Number of months = 57.14285714285714
Number of months = 57 months
Hence, it will take 57 months to cover the cost of the discount points if he take lower monthly payments .
A coupon bond that pays semiannual interest is reported in the Wall Street Journal as having an ask price of 113% of its $1,000 par value. If the last interest payment was made 3 months ago and the coupon rate is 5.60%, the invoice price of the bond will be _________. Multiple Choice
Answer:
$1,144.00
Explanation:
Calculation for the invoice price of the Bond
Invoice price = 1.13(1,000) + 28.00(3/6)
Invoice price=$1,130+$14
Invoice price= $1,144.00
Therefore the Invoice price of the Bond will be $1,144.00
Suppose that country A has higher real income per capita than country B. Explain why this does not imply that most citizens of country A have higher real income than most citizens of country B.
A. A high degree of income inequality in country A may result in most of its citizens having incomes below the average income of country B.
B. The higher per capita income in country A could be the result of most citizens there having country B unearned income.
C. Most citizens in country B may be employed, while the majority of those in country A may not work.
D. All of the above are plausible.
Answer:
A. A high degree of income inequality in country A may result in most of its citizens having incomes below the average income of country B.
Explanation:
Real per capita income is an average of the incomes earned by the citizens of a country. It is used to gauge the standard of living in a country.
However in the given scenario country A has a higher real income per capita but a lower real income than country B.
This can be explained by a disparity in income of citizens in country A. If some people are very rich and others are very poor, an average may give large per capita income.
While in country B if there is income equality the personal income of each individual will be high.
g Use the appropriate formula to determine the periodic deposit. How much of the financial goal comes from deposits and how much comes from interest? Periodic Deposit Rate Time Financial Goal $? at the end of each month % compounded monthly years $
Question Completion:
Periodic Deposit = ?
Rate = 7% compounded monthly
Time = 19 years
Financial Goal $120,000
Answer:
a) The periodic deposit = $253.03
b) Amount of financial goal from deposits = $57,691.30
c) Amount of financial goal from interest = $62,308.71
Explanation:
You will need to contribute $253.03 at the end of each month to reach the future value of $120,000.00.
FV (Future Value) $120,000.00
PV (Present Value) $31,860.39
N (Number of Periods) 228.000 (19 * 12 months)
I/Y (Interest Rate) 0.583% (7%/12)
PMT (Periodic Payment) $253.03
Starting Investment $0.00
Total Principal $57,691.30
Total Interest $62,308.71
Annual demand for an item is 6,500 units with the cost per unit at $380. The holding rate is 18% and the order cost is $15.00 per order. The standard deviation of daily demand is 7 units. Assume 261 days in the year and a lead-time of 4 days. If a service level of 96% is desired during the reorder interval, what is the reorder point
Answer:
124 units
Explanation:
The reorder point (ROP) is the level of inventory which triggers an action to replenish that particular inventory stock. It is a minimum amount of an item that a firm holds in stock, such that, when a stock falls to this amount, the item must be reordered.
DATA
Annual Demand = 6500
Ordering Cost = $15.00
Holding Cost (18% of Price $380) = $68.40
EOQ = √ 2AO / H
where
A = Annual Demand
O = Ordering Cost per order
H = Holding Cost per unit per annum
EOQ = √ 2AO / C
EOQ = √ (2 * 6500 * 15) / 68.40
EOQ= 53.393 units or, 54 units
Standard Deviation of Daily Demand = 7
No of days = 261
Lead Time = 4 days
Average Demand ( Annual Demand/ No of days) = 24.90421
Service Level Desired = 96%
Z Value at 96% = 1.751
Standard Deviation of Demand in Lead Time = SDd * √Lead Time 14
Safety Stock for 93% service level
Z value * Standard Deviation of Demand in Lead Time 25
Lead Time Demand ( Lead Time x Avg Demand) = 99.61686
Reorder Point = Lead Time Demand + Safety Stock = 124
Consider the following scenario analysis for stock X and Y. Assume that of your $10,000 portfolio, you invest $6,000 in X and the rest in Y. What is the expected return of your portfolio?
Bear Market Normal Market Bull Market
Probability 0.2 0.5 0.3
Stock X -20% 18% 50%
Stock Y -15% 20% 10%
Answer:
Portfolio r(e) = 0.16 or 16%
Explanation:
We can calculate the expected return of the portfolio by taking the weighted average of the expected return of the individual stocks that form up the portfolio. The formula for the expected return of portfolio is,
Portfolio r(e) = wA * rA + wB * rB + ... + wN * rN
Where,
w is the weight of each stock in the portfolior is the expected return of each stockFirst we need to calculate the expected return of both X and Y.
Expected Return
r - X = 0.2 * -0.2 + 0.5 * 0.18 + 0.3 * 0.5
r - X = 0.2
r - Y = 0.2 * -0.15 + 0.5 * 0.2 + 0.3 * 0.1
r - Y = 0.1
Portfolio r(e) = 6000/10000 * 0.2 + 4000/10000 * 0.1
Portfolio r(e) = 0.16 or 16%
What are the total liabilities of Big Galaxy Toys if the total assets are $248,000 and the equity is $67,000
Answer:
Big Galaxy Toys
The total liabilities will be equal to:
$181,000
Explanation:
a) Data and Calculations:
Total assets = $248,000
Equity = 67,000
Liabilities = $181,000
b) The accounting equation states that assets = liabilities + equity at every given time and as per each business transaction. If total assets = $248,000 and Equity = $67,000. Therefore, total liabilities = Total assets minus equity. This implies that $248,000 - 67,000 = $181,000.
Where do you get job applications ?
Answer:
well its hard but you can apply trough online or go so where they are hiring most likely they will tell you to apply trough online because of everything that is happening but anyways i wish you the best and good luck!!:)
Explanation:
Applicants either receive paper job applications from an employer or print them out from an online source to mail to an employer once completed.
An applicant is a job seeker who has submitted an application or a resume in response to a job posting. Candidate refers to the applicant who passed the screening and satisfies the position's requirements. Any person who meets the definition of "marginalized" or "disadvantaged" as stated in Section 12 of the Legal Services Authority, Act of 1987, is considered an applicant.
"Applicant" in the context of patent applications essentially refers to the owner. A person (or business, also known as a "juristic person") who is eligible to file for a patent is referred to as a "patent applicant," or patent owner.
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A bank manager notices that by the time customers get to the teller, they seem irritated and impatient. The manager wants to investigate the problem further, so she hires you to design a research project to figure out what is bothering the customers. The bank wants three studies? (a) several focus groups of their customers, (b) observation using a hidden camera, and (c) an online survey of 500 customers. Identify which studies are qualitative and which are quantitative. If you were to recommend only one study which of the three would you recommend? Why? Be specific.
Answer:
(a) several focus groups of their customers - qualitative study
A focus groups consists of a group of five to ten participants, who are allowed to discuss an issue or a product for one or two hours.
(b) observation using a hidden camera - qualitative study
The information obtained from the use of the hidden camera is of qualitative nature. Such information consists in the behaviour displayed by the customers that were recorded.
(c) an online survey of 500 customers. - quantitative study.
The online survey gives quantitative, measurable information that can later be expanded into a statistical study, and also used to establish other quantitative variables like probability distributions, or statistical regressions.
In a perfectly competitive market, if supply and demand fully reflect all of the costs and benefits associated with production and consumption, then total economic surplus is maximized when:_____
a. Price controls keep prices low enough that most consumers can purchase the item.
b. Consumer surplus and producer surplus are equal.
c. Consumer surplus is greater than producer surplus.
d. The market is in equilibrium.
Answer:
d. The market is in equilibrium.
Explanation:
In a perfect competition, there are many buyers and sellers of homogeneous products, and there is free entry and exit in the market.
This simply means that, in a perfectly competitive market, there are many buyers and sellers (price takers) of homogeneous products (standardized products with substitute) and the market is free (practically open) to all individuals or business entities that are willing to trade all their goods and services.
In a perfectly competitive market, if supply and demand fully reflect all of the costs and benefits associated with production and consumption, then total economic surplus is maximized when the market is in equilibrium.
Additionally, in a perfectly competitive market in long-run equilibrium, a long-run equilibrium avails firms the opportunity to adjust all inputs and all fixed costs are maximized. Also, it's characterized by free entry and exit, as such there isn't a fixed number of firms. This simply means that, since the number of firms in a long-run equilibrium can change, a firm must exit the market as a result of losses i.e when the firm is unable to cover its fixed costs in the long-run while new firms are allowed entry into the market when it anticipates potential profits or gains.
However, the firms always strive to maximize profits by increasing their level of output, such that P = MC. Also, the firms wouldn't be willing to leave or enter into the market because they are not making any profit, such that P=AC.
In a nutshell, in the long run equilibrium P=MR=MC and P=AC.
Where, P represents the price.
g cd Marco deposited today $100,000 in a three-year, 12% Certificate of Deposit (CD) that compounds quarterly. What is the maturity value of the CD
Answer:
The maturity value of the CD is $142,576
Explanation:
The computation of the maturity value of the CD is shown below:
As we know that
Maturity Value = Deposit made × (1 + rate of interest)^number of years
where
r = 12% ÷ 4 = 3%
And,
n = 3 × 4 = 12
Now
The Maturity Value of a Cash Deposit is
= $100,000 × (1.03)^12
= $142,576
hence, the maturity value of the CD is $142,576
The smaller the number of good substitutes for a product, the greater will be the price elasticity of demand for it. True or False True False
Answer:
False.
Explanation:
A price elasticity of demand can be defined as a measure of the responsiveness of the quantity of a product demanded with respect to a change in price of the product, all things being equal.
Mathematically, the price elasticity of demand is given by the formula;
[tex] Price \; elasticity \; of \; demand = \frac {percent \; change \; in \; quantity \; demanded}{percent \; change \; in \; price}[/tex]
The demand for goods is said to be elastic, when the quantity of goods demanded by consumers with respect to change in price is very large. Thus, the more easily a consumer can switch to a substitute product in relation to change in price, the greater the elasticity of demand.
A substitute product can be defined as a product that a consumer sees as an alternative to another product and as such would offer similar benefits or satisfaction to the consumer.
Generally, consumers would like to be buy a product as its price falls or become inexpensive.
Hence, the smaller the number of good substitutes for a product, the lesser will be the price elasticity of demand for it.
For substitute products (goods), the price elasticity of demand is always positive because the demand of a product increases when the price of its close substitute (alternative) increases.
You want to retire in 30 years and be able to withdraw the equivalent of $90,000 per year (in today's dollars) from a retirement fund. Assume 3% inflation. You plan to be retired for 20 years. Assuming you can earn 12% on your investments BEFORE retirement and 7% on your investments DURING retirement, how much will you need to save per month in order to be able to fund this retirement
Answer:
$662.18
Explanation:
first we must determine how much are $90,000 in 30 years:
FV = $90,000 x (1 + 3%)³⁰ = $218,453.62
since the inflation rate is expected to remain the same during the 20 years that you are retired, we must find the present value of your distributions using the interest rate as our discount rate:
PV = $218,453.62 x 10.594 (PV annuity factor, 7%, 20 periods) = $2,314,297.65
the future value of your contributions = $2,314,297.65
you can earn 12% interest rate and should be able to make 360 contributions
$2,314,297.65 = monthly contribution x 3,494.96413 (FV annuity factor, 1%, 360 periods)
monthly contribution = $2,314,297.65 / x 3,494.96413 = $662.18
The amount required to save per month in order to be able to fund this retirement is $662.18
Calculation of the saving amount:Since $90,000 now at 3% inflation should be
= 90000 × 1.03^30
=. $218,454
Now the PV at 7% should be
FV = 0;
1/y = 7%;
n=20;
PMT = 218454;
calculate PV = $2,314,305
Now the PMT should be
FV = 2314305;
PV = 0;
n= 12 × 30;
1/y = 12% ÷ 12;
Now PMT = $662.18
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QS 8-5 Computing revised depreciation LO C2 On January 2, 2017, the Matthews Band acquires sound equipment for concert performances at a cost of $65,800. The band estimates it will use this equipment for four years. It estimates that after four years it can sell the equipment for $2,000. Matthews Band uses straight-line depreciation but realizes at the start of the second year that due to concert bookings beyond expectations, this equipment will last only a total of three years. The salvage value remains unchanged. Compute the revised depreciation for both the second and third years
Answer:
depreciation expense per year (for years 2 and 3) = $23,925
Explanation:
depreciable value = $65,800 - $2,000 = $63,800
depreciation expense per year = $63,800 / 4 = $15,950
book value after 1 year = $65,800 - $15,950 = $49,850
new depreciable value = $49,850 - $2,000 = $47,850
depreciation expense per year = $47,850 / 2 years = $23,925
In 1930 the United States passed the Smoot-Hawley Tariff Act, which ________. led to the consolidation of the U.S. banking system instituted strict regulations to contain intellectual property theft opened foreign markets for U.S. agricultural products raised U.S. tariffs to near-record highs of more than 50 percent
Answer: raised U.S. tariffs to near-record highs of more than 50 percent
Explanation:
An invoice
O A. is a demand for immediate payment
OB. must be paid within 10 days from the date of the invoice
O c. is the bill that the purchaser receives from the vendor
OD. is the purchaser's request for payment from the seller
An invoice is a bill that the purchaser receives from the vendor.
What does it mean to receive an invoice?
A bill is an invoice in that it has the itemized list of products sold or services provided, along with the amount of money owed for each item, and a total amount owed. However, when you receive an invoice, you would enter it as a bill that you owe. In other words, an invoice is sent, and a bill is received.
What is in an invoice?It includes the cost of the products purchased or services rendered to the buyer. Invoices can also serve as legal records if they contain the names of the seller and client, the description and price of goods or services, and the terms of payment.
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What generic competitive strategy has America West chosen to use in entering the air passenger market
Answer:
The generic competitive strategy that America West chose to enter the air passenger market is:
Low Cost (Cost-focused Leadership)
Explanation:
American West can acquire competitive advantage by pursuing one of Michael Porter's generic strategies. The Airline could have chosen to enter the air passenger market via lower costs than its competitors or by differentiating itself along dimensions valued by customers in order to be paid a higher fare. In 1983, it chose the lower cost strategy before merging with American Airlines in 2013.