Here is the answer choice to the question
a. the real rate of interest on your loan is 14%.
b. the real rate of interest on your loan was previously 10% and is now 35%.
c. the real rate of interest on your loan is now –2%.
d. you will pay the lender back exactly $9,500.
e. you will pay the lender back exactly $10,700
Answer:
C. the real interest rate on your loan is now -2%
Explanation:
The real interest rate of can be gotten by subtracting the nominal interest rate from the inflation rate from nominal interest rate
Inflation rate = 7%
Nominal interest rate= 5%
= 5 percent - 7 percent
= -2%
The real interest rate can be defined as the rate of interest an investor, saver or lender is going to receive after they have allowed for inflation.
A deposit of $1000 is made in a bank account that pays 24% interest per year compounded quarterly. Approximately how much money will be in the account after 10 years
Answer:
$10,285.72
Explanation:
In this scenario, we can use the compound interest formula to calculate the total after 10 years. The formula is the A = P * [tex](1 + r/n)^{nt}[/tex]
where,
A = final value after interest
P = initial investment amount
r = annual interest rate in decimal form
n = number of time the interest is compounded based on t
t = total amount of time
In this case, the interest is compounded quarterly meaning 4 times a year, therefore we can plug all the values into the formula and solve for A
A = P * [tex](1 + r/n)^{nt}[/tex]
A = 1000 * [tex](1 + 0.24/4)^{4*10}[/tex]
A = 1000 * [tex](1.06)^{40}[/tex]
A = 1000 * 10.2857
A = 10,285.72
Therefore after 10 years the account will have a total of $10,285.72
You purchase a $325,000 town home and you pay 25% down. You obtain a 30-year fixed-rate mortgage with an annual interest rate of 5.75%. After 5 years you refinance the mortgage for 25 years at a 5.1% annual interest rate. After you refinance, what is the new monthly payment (to the nearest dollar)?
A. $1,422
B. $1,401
C. $1,366
D. $1,335
E. $1,296
Answer:
Option D ($1335) is the right answer.
Explanation:
Step 1:[tex]PV=325000\times (1-25 \ percent)\\[/tex]
[tex]N=30\times 12\\[/tex]
[tex]\frac{I}{Y} =\frac{5.75 \ percent}{12} \\[/tex]
[tex]FV=0\\[/tex]
[tex]CPT \ PMT=$1,422.46\\[/tex]
Step 2:[tex]PMT=1422.46[/tex]
[tex]PV=-325000\timse (1-25 \ percent)[/tex]
[tex]\frac{I}{Y} =\frac{5.75 \ percent}{12}[/tex]
[tex]N=12\times 5[/tex]
[tex]CPT \ FV=$226,107.75[/tex]
Step 3:[tex]PV=-226107.75[/tex]
[tex]\frac{I}{Y} =\frac{5.1 \ percent}{12}[/tex]
[tex]N=12\times 25[/tex]
[tex]FV=0[/tex]
[tex]CPT \ PMT=$1,335.01[/tex]
The other options offered aren't really relevant to the scenario presented. So, the solution here is just the right one.
Under the provisions of the Investment Advisers Act of 1940, if an adviser takes custody of customer funds or securities, account statements MUST be sent to the customer:
Answer:
Quarterly
Explanation:
According to the provisions of the Investment Advisers Act of 1940, in the case when an advisor takes the customer custody in term of funds or securities so the account statement must be sent to the customer on the a quarterly basis i.e. four times in a year. Here four times means every three months
therefore as per the given situation, the quarterly is the answer
WHAT IS IT?
1.it can be use as thickening agent or as a weak glue
3.a food spread made from dry roasted peanuts
Answer:
I believe its Peanut Butter.
The four people below have the following investments. Invested Amount Interest Rate Compounding Jerry $ 11,400 12 % Quarterly Elaine 14,400 6 Semiannually George 21,400 8 Annually Kramer 17,400 10 Annually Required: 1-a. Calculate the future value at the end of five years
Answer:
Jerry
$20,589.67
Elaine
$19,352.40
George
$31,443.62
Kramer
$28,022.87
Explanation:
Use following formula to calculate the future value
FV = PV ( 1 + r )^n
Where
PV = Present value = Investment
FV = Future value = ?
r = interest rate per compounding period
n= numbers of compounding periods
Jerry
PV = $11,400
r = 12% x 3/12 = 3%
n = 5 years x 12/4 = 20 periods
Placing values in the formula
FV = $11,400 x ( 1 + 3% )^20
FV = $20,589.67
Elaine
PV = $14,400
r = 6% x 6/12 = 3%
n = 5 years x 12/6 = 10 periods
Placing values in the formula
FV = $14,400 x ( 1 + 3% )^10
FV = $19,352.40
George
PV = $21,400
r = 8%
n = 5 years
Placing values in the formula
FV = $21,400 x ( 1 + 8% )^5
FV = $31,443.62
Kramer
17,400 10 Annually
PV = $17,400
r = 10%
n = 5 years
Placing values in the formula
FV = $17,400 x ( 1 + 10% )^5
FV = $28,022.87
The future values of the investments are computed as follows:
Invested Amount Interest Rate Compounding Future Value
Jerry $ 11,400 12% Quarterly $20,589.67
Elaine 14,400 6% Semiannually $19,352.40
George 21,400 8% Annually $31,443.62
Kramer 17,400 10% Annually $28,022.87
Data and Calculations:
Jerry:
N (# of periods) = 20 (5 x 4)
I/Y (Interest per year) = 12%
PV (Present Value) = $11,400
PMT (Periodic Payment) = 0
Results
Future Value = $20,589.67
Total Interest $9,189.6
Elaine:
N (# of periods) = 10 (5 x 2)
I/Y (Interest per year) = 6%
PV (Present Value) = $14,400
PMT (Periodic Payment) = 0
Results
Future Value = $19,352.40
Total Interest = $4,952.40
George:
N (# of periods) = 5 years
I/Y (Interest per year) = 8%
PV (Present Value) = $21,400
PMT (Periodic Payment) = 0
Results
Future Value = $31,443.62
Total Interest = $10,043.62
Kramer:
N (# of periods) = 5 years
I/Y (Interest per year) = 10%
PV (Present Value) = $17,400
PMT (Periodic Payment) = 0
Results
Future Value = $28,022.87
Total Interest = $10,622.87
Learn more: https://brainly.com/question/24703884
A manager wishes to build a 3-sigma range chart for a process. The sample size is five, the mean of sample means is 16.01, and the average range is 5.3. What are the UCL and LCL, respectively, for this range chart?
a. 33.9 and 11.2
b. 6.3 and 0
c. 11.2 and 0
d. 33.9 and 0
Answer:
c. 11.2 and 0
Explanation:
The computation of the upper control limit and the lower control limit is shown below:
Average Range = R = 5.3
Now
The Upper control Limit is
= D4 × R
= 2.115 × 5.3
= 11.2095
And,
The Lower control limit is
= D3 × R
= 0 × 5.3
= 0
Hence, the correct answer is Option C i.e. 11.2 and 0
Why does the adoption of new technology tend to increase supply?
Answer:
New technology allows firms to produce at a lower cost. As a result, as firms adopt a new technology, their cost curves shift downward. Market supply increases, and the market supply curve shifts rightward. With a given demand, the quantity produced increases and the price falls.
According to the video, what is the main purpose of Insurance Underwriters’ work?
to protect insurance companies
to investigate insurance claims
to sell insurance policies
to advise individual investors
Answer:
A
Explanation:
just did it lol
Answer:
A. to protect insurance companies
Explanation: Just got done on edge
According to the basic quantity equation of money, if price and output fall while velocity increases, then:
Answer:
The quantity of money will fall
Explanation:
basic quantity equation of money's theory stressed that the general price of goods/services is attributed to the flow of money in circulation, I.e they have a linear relationship.The equation below gives the relationship between the quantity of money as well as price level. MV = PT
Where M = quantity of money
V =velocity of circulation
P = price level
According to the basic quantity equation of money, It should be noted that if price and output fall while velocity increases, then The quantity of money will fall.
One of the draw backs of the profitablity index as a criteria for judging whether to accept a capital investment project is that:_______
Answer:
It might lead to over-optimistic projections
Explanation:
In simple words, the problem with using profitability index as the index criteria lies with the procedure of estimating it. In order to consider the business situation, the organisational finance group requires to settle with the corporation supervisors.
Leadership may be too enthusiastic about their assignment, so forecasts for cash flow may be too substantial. Consequently, in predicting the profitability index, there may be an uptrend prejudice.
The year-end financial statements of Rally Company for the current year, report total revenues of $19,829 million, accounts receivable of $1,272 million at the current year-end, and $1,19 million for the prior year-end. The company's accounts receivable turnover for the year is:_______.
a. 18.3 times.
b. 18.9 times.
c. 19.5 times.
d. 20.0 times.
e. none of these are correct.
Answer:
16.1 times
Explanation:
Calculation for the company's accounts receivable turnover for the year
Using this formula
Accounts Recievable Turnover = Total Revenues/Average accounts receivables
Let plug in the formula
Accounts Receivable Turnover = $19,829/[($1,272+$1,198)/2]
Accounts Receivable Turnover =$19,829/$1,235
Accounts Receivable Turnover = 16.1 times
Therefore The company's accounts receivable turnover for the year is: 16.1 times
Professional Properties is considering remodeling the office building it leases to Heartland Insurance. The remodeling costs are estimated at $3.4 million. If the building is remodeled, Heartland Insurance has agreed to pay an additional $820,000 a year in rent for the next 5 years. The discount rate is 15 percent. What is the benefit of the remodeling project to Professional Properties? A) -$651,233 B) -$489,072 C) $5,214 D) $128,399 E) $311,417
Answer:
A) -$651,233
Explanation:
The computation of the benefit generated of the remodelling project is shown below:
If we considered the discounted rate i.e. 15% for 5 years of $820,000 so its present value would be $2,748,767 ($820,000 × 3.3521)
And, the predicted cost is $3,400,000
So here the cost is there instead of the benefit of
= $2,748,767 - $3,400,000
= -$651,233
Hence, the correct option is A
Zara collects massive amounts of data on its SKUs, orders, sales patterns, store inventories, and other variables. This information is stored in a(n)
Answer: D. data warehouse.
Explanation:
A Data warehouse is to data what money is to banks. Here, the data that a company has gathered from its many sources will be stored for easier access.
This data can then be analysed and reported sometimes with relation to one another in such a way that detailed reports are created and better decisions made.
Zara is most likely using a data warehouse to store the massive amounts of data collected from all the listed sources.
56 Points & BRAINLIEST Which of the following can be created between two tables which share a common field?
O Field report
O Relationship
O Datasheet
O Connections
i think the third option but i think its wrong i am unsure and i dont want to say thhe wrong thing
The manager of Lawn and Garden Services would like to estimate the proportion of her employees' time spent performing various gardening and lawn care activities. She has made 400 random observations of a typical worker, with the following results:
Activity Time Observed
Mowing 200
Trimming 80
Raking 40
Miscellaneous 80
What is the probability that the true proportion of time spent mowing is exactly equal to the sample proportion?
a) 1
b) 0
c) .5
d) .2
e) 1
Answer:
b) 0
Explanation:
In this case, the manager observed that a worker spent 50% of his/her time mowing the garden, but in case this is correct, it would only apply to this worker. She would need to collect data and analyze it from a much larger sample which includes other workers in order to determine if this proportion applies to whole group. You cannot infer a conclusion based on a limited amount of data collected from just one subject. The methodology is incorrect.
When Patricia sells her Apple stock at the same time that Brian purchases the same amount of Apple stock, Apple receives:_____________.
a. nothing.
b. only the market value of the common stock.
c. the dollar value of the transaction.
d. the dollar amount of the transaction, less brokerage fees.
Answer:
When Patricia sells her Apple stock at the same time that Brian purchases the same amount of Apple stock, Apple receives:_____________.
a. nothing.
Explanation:
The activities of investors on the Stock Exchange market do not affect the corporation, whose stocks are being traded. The corporation does not get any money nor does it incur any cost. Patricia may get a capital gain from the sale and not the corporation. When Brian purchases Apple stock it is purchased from another investor and not directly from the corporation unless it is an initial public offer.
Select the benefits of mentoring goal process PLS HELP ASAP
Answer:
Mentoring relationships can result in the following:
Increased knowledge transfer.
Job satisfaction.
Smart succession planning.
Development of leadership skills.
Motivation for professional development and accountability.
Achievement of goals and objectives.
Stronger internal networks.
Increased teamwork.
Explanation:
Suppose the interest rate on your car loan is 19.00% and the inflation rate is 18.00%. Calculate the real interest rate
Answer:
1%
Explanation:
The real interest rate is the interest rate adjusted for inflation. It is the rate after accounting for inflation. The real interest rate is the difference between the inflation rate from the quoted(nominal )interest rate.
real interest rate = quoted interest rate - inflation rate
=19% - 18%
=1%
Sheridan Company receives a $14000, 3-month, 8% promissory note from Carla Vista Company in settlement of an open accounts receivable. What entry will Sheridan Company make upon receiving the note?
Answer and Explanation:
The journal entry to record while receiving the note is shown below:
Notes receivable Dr. $14,000
To Accounts receivable $14,000
(Being receiving of the note is recorded)
Here the note receivable is debited as it increased the assets and credited the account receivable as it decreased the assets
The same is to be considered
How can parties that have unequal bargaining power negotiate meaningfully,
without one party taking advantage of the other?
Answer:
Through Collaborative bargaining
Explanation:
Parties that have an unequal bargaining power can negotiate meaningfully, without one party taking advantage of the other through the method known as collaborative bargaining. In collaborative bargaining, both the involved parties listen to each other’s claims and issues and then collaborate to come to a consensus. There is transparency in the overall bargaining process and hence there is very less probability that one party is taking advantage of the other party.
Who owns the factors of production in a planned economy?
A.
Individuals
B.
Nobody
C.
The church
D.
The government
Answer:
D.
Explanation:
Under a command economy, governments own the factors of production. This is also sometimes referred to as a planned economy. (I like to call it a command economy, but it's the same thing.)
If You-Will-Never-Pay-It-Off Loan Company lends you $50 on Monday, and you have to pay $60 after a week, what nominal rate of interest (APR) are they charging
Answer:
the annual percentage rate is 1040%
Explanation:
The computation of the nominal rate of interest is shown below:
As we know that
Future value = Present value × (1 + rate of interest)^number of years
$60 = $50 × (1 + rate of interest)^1
1 + rate of interest = ($60 ÷ $50)
rate of interest is
= (1.2- 1 ) × 100
= 20%
Now the annual percentage rate is
= 20% × 52
= 1040%
hence, the annual percentage rate is 1040%
A stock had returns of 18.58%, -5.58%, and 20.81% for the past three years. What is the variance of returns?
Answer:
Variance = 0.02141851
Explanation:
We first calculate the mean for the stocks
Mean = (0.1858 - 0.0558 + 0.2081) / 3
Mean = 0.3381 / 3
Mean = 0.1127
Variance = [(0.1858 - 0.1127)^2 + (- 0.0558 - 0.1127)^2 + (0.2081 - 0.1127)^2] / 3 -1
Variance = [0.0731^2 + (-0.1685^2) + 0.0954^2] / 2
Variance = 0.00534361 + 0.02839225 + 0.00910116 / 2
Variance = 0.04283702 / 2
Variance = 0.02141851
The variance of returns is 0.02141851
Southeast Airline had retained earnings of $1.5 million, sales of $5 million and net income of $0.5 million this year. It also paid dividends of $0.2 million this year. If the sales is projected to increase by 20% next year, what is the projected retained earnings for next year?
Answer:
$1.86 million
Explanation:
Given the above data, we can calculate the retained earning for next year to be;
Retained earning this year end = $1.5 million retained earning at the beginning + $0.5 million net income - $0.2 million dividends
= $1.8 million
QUESTION 22 In a competitive market, A. no single buyer or seller can influence the price of the product. B. there are only a small number of sellers. C. the goods offered by the different sellers are unique. D. accounting profit is driven to zero as firms freely enter and exit the market.
Answer:
A
Explanation:
In a competitive market there are no single buyer or seller that can influence the price of the product.
Such a market has numerous producers who compete with each other to provide goods and services. Not one producer can influence the market prices by increasing his output or by decreasing it.
Same goes for the consumer. One consumer can not influence the prices either.
International trade specialists that buy goods at a discount from a small businesses and resell them abroad are called
A. commission house brokers
B. exporting trade companies
C. business trade unions
D. domestic channel companies
Answer: B. exporting trade companies
Explanation:
Trade unions are the organisations that are out in place so as to protect the interest of workers. They negotiate for better wages and salaries, provide job security, and seek better working conditions for their workers.
Export trading company is simply referred to as an independent company that helps in the provision of support services to the companies that are involved in the exportation of goods and services.
Commission house brokers is simply an individual who helps in representing people who have properties.
Therefore, the answer is exporting trade companies.
The following information is available for Silver Company for the three months ended March 31, 2019:
Merchandise inventory, January 1,
2013 $900,000
Purchases 34,00,000
Freight-in 2,00,000
Sales 48,00,000
The gross margin recorded was 25% of sales. What should be the merchandise inventory at March 31, 2019?
a. $700,000
b. $1,125,000
c. $900,000
d. $1,200,000
Answer:
c. $900,000
Explanation:
The ending inventory is calculated as;
Beginning inventory
$900,000
Add: Purchases
$3,400,000
Add: Freight in
$200,000
Total purchase Balance
$3,600,000
Cost of goods available
$4,500,000
Less: Cost of (goods estimated)
($3,600,000)
Ending inventory
$900,000
Therefore, the merchandise inventory at March 31, 2019 is $900,000
Kitchel told Parker that he needed a couple of weeks to think about his proposal. How should Parker handle this
Answer: Parker should close the deal quickly
Explanation:
Giving Kitchel so much time to go over the proposal is not ideal because in that time events could happen that would ensure Kitchel stayed with their current supplier such as the current supplier finding out and offering better terms thereby enticing Kitchel to stay.
It is imperative therefore that Parker close the deal as quickly as possible. He can do this by offering time conscious incentives that require that Kitchel order fast, he could even go meet Kitchel in person and press his claim and even hit hard at the weakness of Richmond's current supplier by stating that he would deliver things ahead of schedule.
The threat of lawsuits has caused some drug companies not to manufacture certain types of vaccines. What type of risk management option is being practiced?
Answer:
C) Avoiding the risk
type of risk management option is being practiced.
Explanation:
Risk management is the method of recognizing, evaluating, and managing threats to an organization's resources and incomes. These signals, or uncertainties, could originate from a wide category of causes, including financial contingency, legal responsibilities, strategic administration mistakes, disasters, and natural disasters.
When dealing with tangible products, consistency is usually measured in terms of:_____.
A. Features.
B. Attributes.
C. Systems.
D. Defects.
Answer:
D. Defects
Explanation:
In order to meet the unending needs and wants of consumers, to satisfactorily provide products that meets their requirements, tastes or preferences various manufacturing companies use five (5) main methods of production, and these are; labour-intensive production, mass production, batch production, capital-intensive production and job production.
Generally in Economics, the question of how goods are produced, determines how resources are combined in the production of goods.
This ultimately implies that, before a manufacturer produce its goods it determines the amount of resources that are available. These resources that are to be combined for the purpose of production of goods are entrepreneur, land, labor, and capital, which are generally referred to as the four (4) factors of production.
A tangible product refers to any product that can be physically touched by the end users or consumers such as electronic gadgets, bread, furniture, cooking utensils, etc.
When dealing with tangible products, consistency is usually measured in terms of defects. Any goods (products) manufactured by a company that is consistently devoid of defects such as broken parts or missing parts is generally considered to be of high quality and as such consumers would feel safe to use or buy such tangible products at all times.