The lender's yield fully amortizing loan is A. 7.7%.
Yield is the rate of return earned by the lender or investor on the loan. To calculate the lender's yield, the formula is used:
i = \((PMI+ ((PV-FV)/n))/((PV+FV)/2)\)
Where PV is the present value of the loan, FV is the future value of the loan, and n is the number of years. PMI is the premium paid for mortgage insurance per year. PMI is not applicable in this question, so it is not used. The calculation is as follows:
PV = Loan amount - Discount points = $166,950 - 2% of $166,950 = $163,612.1
FV = 0n = Term in years = 30 years.i = (0 + ((163,612.1 - 0)/30))/((163,612.1 + 0)/2)= (5467.07)/81,806.05= 0.0667 or 6.67%.
Therefore, the lender's yield is 6.67%. However, the question asks for the yield rounded to the nearest tenth of a percent. Since 0.67 is greater than 0.05, round up to 6.7%.Therefore, the answer is A. 7.7%.
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___ requrements are courses that build knowledge and skills in a specific field.
A. major
B. general studies
C. specialization
D. elective
D. elective requrement are courses that build knowledge and skills in a specific field
a city government levies a tax on its citizens for improvements to roads. how should the city report the tax in its statement of activities?
The city report the tax in its statement of activities as a revenue.
The city government should report the tax on its citizens for improvements to roads as revenue in its statement of activities. Revenue is the money received by an organization for goods or services provided or for the use of its resources. In this case, the revenue would come from the tax levied on citizens for road improvements.
The revenue should be recorded in the statement of activities under the appropriate category, such as property taxes, and should be reported as an increase in the city's financial resources. The statement of activities is a financial report that presents information on how an organization's resources have changed over a period of time.
The revenue from the road improvement tax should be reported in the statement of activities to provide a comprehensive picture of the city's financial performance and help stakeholders understand how the city's resources are being used.
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Which of the following indicates that the assessment of one employee is affecting the ability to be objective when rating another employee? A) Halo error B) Recency error C) 360 degree feedback D) Judgmental methods E) Fixed standards
The answer that demonstrates how one employee's evaluation affects one's ability to rate another employee objectively is A) Halo mistake.
Halo mistake happens when a rater's general opinion of an employee—whether it's favourable or unfavorable—influences how they rate that employee's performance along particular dimensions. This might result in a halo effect when the rater regularly evaluates the other employee higher or worse based on their predetermined notion if the evaluation of one employee is influencing the rater's view or prejudice. This mistake precludes the rater from giving an accurate and objective assessment of the person's performance relative to particular criteria. The halo error impairs the rating process's objectivity and impartiality.
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When looking at a financial aid award letter, which type of aid would you have to pay back?
a) Federal work-study
b) merit scholarship
c) federal pell grant
b) Perkins loan
Answer:
There are four components you need to consider: Yearly costs, such as tuition, fees, books, room and board, travel expenses, etc. Financial aid that you don't have to pay back, such as scholarships, grants, and work-study. Financial aid that you do need to pay back, such as as federal loans.
Explanation:
I hope this helps!1) Issued common stock for $5,000 cash. (2) Earned $3,000 of cash revenue. (3) Paid a $4,000 cash to purchase land. (4) Paid cash dividends amounting to $400. (5) Paid $2,200 of cash expenses. Based on this information, the amount of cash flow from investing activities appearing on the statement of cash flows is
Answer:
-$4,000
Explanation:
The computation of the amount of cash flow from investing activities is shown below:
= Paid a $4,000 cash to purchase land
Since the land is purchase for cash so the amount is to be shown in the investing activities in a negative value as the purchase is the outflow of cash
So the same is relevant
Question 4 2 pts A stock is currently priced at $28.4. Its dividend is expected to grow at a rate of 5.6% per year indefinitely. The stock's required return is 9.7%. The stock's predicted price 4 years from now, P4, should be $ Do not round any intermediate work, but round your final answer to 2 decimal places (ex: 12.34567 should be entered as 12.35). Margin of error for correct responses: +/-.05
The predicted price of the stock 4 years from now should be $37.20.
The dividend growth rate = 5.6%
The required return = 9.7%
Using the constant growth formula:
P = D / (r - g)
Where:
P = current stock price
D = dividend payment
r = required return
g = dividend growth rate
We can solve for the dividend payment:
D = P * g = $28.4 * 5.6% = $1.59
Next, we can calculate the stock price after 4 years:
P4 = D4 / (r - g) = D * (1 + g)^4 / (r - g) = $1.59 * (1 + 5.6%)^4 / (9.7% - 5.6%) = $37.20 (rounded to two decimal places).
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What is the meaning of plan?
Explanation:
somali waa dowlad awood weyn
who is johnny sins?
A - a doctor
B -dentist
C -firefighter
Answer:
A-doctor
Explanation:
What is a risk management strategy you could use to protect your home?.
Risk management strategy I could use to protect my home is buying a home security system.
What is risk management strategy?A risk management strategy serves as one that provides a structured and coherent approach to management of risk.
As regards risk management at home, installation of home security system is a way to maintain risk.
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HURRY I NEED HELP!!!
Does globalization (or global trade) provide an opportunity to the world (positive), or does it take advantage of local individuals and cultures (negative)? Explain in a CREW format.
Interviewer: I am here on a very crowded Wall Street with protesters chanting all around me…
Group of Protesters: People before profits! People before profits! People before profits!
Interviewer: Many of these folks are against the growth of global free trade. They believe free trade is to blame for increases in poverty, income inequality (lots of rich and lots of poor), and environmental damage in recent decades. They claim that the elimination of tariffs and other barriers to trade have simply allowed large, multinational corporations to move into and exploit (take advantage of) developing nations, while hurting many U.S. workers and families, too.
Protester 1 (wearing a “No More Sweatshops” T-shirt): The extreme expansion of capitalism and free trade has allowed large, multinational companies to exploit developing countries, and especially their poorest citizens who are often forced to work for less than $1.00 day. Many of the factories set up by these big companies are sweatshops– dirty, dangerous, and the pay is awful. We are here protesting for a ‘living wage’ for all foreign employees of U.S. corporations.
Union representative: I’m tired of these large, unfeeling corporations sending our good paying manufacturing jobs overseas to some factory where workers make $1.50 an hour, instead of letting Americans have those jobs…That’s what’s happening in the textile industry, the steel industry, and the auto industry, too. These are industries that built America and now our jobs are going to China or Mexico...
Interviewer: The other side of this global debate–you might call them free-trade advocates– argues that opening up markets and international borders to free trade has had all kinds of benefits for developing nations, as well as the United States and other industrialized nations. They cite data showing increased life expectancy, increased literacy (ability to read and write), more political freedom, and a reduction in the proportion of people living on less than $1.00 per day in the developing nations.
Manager: Evidence shows that the number of people living on $1.00 per day or less has decreased by 50% in the last 20 years, which was a period of rapid world economic growth, largely because of international trade. And the percentage of people who are malnourished (Starving) has dropped from 56% in the 1960s to only 10% today. Again, during a period of global economic growth, fueled by trade. Look, our corporation has a factory in Vietnam. Last year our factory there paid 2 times the local wage. That was a big step up for those workers, and it made sense for us, too, because it meant we could get the most productive local workers.
Shopper: Let’s also look at all of the different product choices we have. I can go into the grocery store and find different types of food from all over the world. We are limited in what we can produce and grow here in America, so having global trade gives us so many more options.
C- Claim (Globalization provides an opportunity to people throughout the world [or] Globalization takes advantage of local individuals and cultures around the world.)
R- Reason (It provides the opportunity because… [Or] It takes advantage of others because…)
E- Evidence (insert a quote from the reading to prove your positive or negative side)
W- Warrant (This quote shows how globalization is positive/negative because… We should/shouldn’t continue to trade with other countries of the world because...)
Answer:
In general, globalization has been shown to increase the standard of living in developing countries, but some analysts warn that globalization can have a negative effect on local or emerging economies and individual workers. Globalization is not new.
In the statement of cash flows, the section for cash flows from operating activities will include which of the following?
(A) Dividends paid
(B) Issuance of common stock
(C) A decrease in accounts payable
(D) Purchase of a building financed entirely by a mortgage
In the statement of cash flows, the section for cash flows from operating activities includes the cash inflows and outflows that arise C. A decrease in accounts payable.
What can these include?These can include cash received from customers, cash paid to suppliers and employees, and any other operating expenses. Dividends paid, issuance of common stock, and the purchase of a building financed entirely by a mortgage are not included in this section.
A decrease in accounts payable, on the other hand, is included as it represents a reduction in the amount owed to suppliers, which is a cash outflow related to operating activities.
It is essential to understand the components of the statement of cash flows as it provides valuable insights into a company's liquidity and financial health.
Therefore, option C is the correct answer.
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Question 25 Which of the follewing at against stilitarinn ethics theory? a. That there may be no purely altruistic moral motivation to belp other people unless there is personal pain b.They believe that the purpose of function of morality is to promote human welfare by minimizing harms and maximiring benefits c.There are some basic moral principles that all societies will have in common,because thosen d.Questioning whether units of happiness or some other utilitarian value can be measured necessary for society to exciat and compared in order to determine the best action among
Answer:Long answerStiltarian ethics theory is one of the moral ethics theories that explains how people should act in situations that concern morality and ethics. Stiltarian ethics is based on an outcome-based approach that is grounded in utilitarianism.
Utilitarianism is a moral theory that determines the morality of an action based on the number of positive and negative consequences that arise from it. In the context of stiltarian ethics theory, the best action is the one that leads to the most positive outcomes for society.
The following are the options against the stiltarian ethics theory except option B. Option B is in line with the stiltarian ethics theory since the theory emphasizes that the purpose of morality is to promote human welfare by minimizing harm and maximizing benefits. Option A is against the stiltarian ethics theory since the theory promotes actions that lead to the greatest good for society. Therefore, an action that is motivated by personal gain is not in line with the theory.Option C is also against the stiltarian ethics theory since the theory suggests that moral principles will vary from one stiltarian ethics theory, but option B is not.
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Lucas spends $83. 42 in additional interest and charges on monthly payments as the result of a prior bankruptcy. If Lucas been able to save this money for the year and then put it into a savings account earning 1. 8% simple interest, how much money could he have in savings after 3 more years? a. $1,649. 72 b. $1,055. 10 c. $1,019. 06 d. $1,001. 4.
Answer: A
Explanation:
Based on the amount saved monthly and the simple interest earned in 3 years, the amount in savings would be $1,055.10.
The amount saved for the year would be:
= 83.42 x 12 months
= $1,001.04
If this amount was saved at simple interest at 1.8% per year, the amount in 3 years would be:
= Amount + ( Amount x rate x number of years)
= 1,001.04 + (1,001.04 x 1.8% x 3)
= $1,055.10
In conclusion, the account would have $1,055.10
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According to the video, what skills do urban and regional planners need?
Answer:
communication skills
computer skills
negotiation skills
Urban and Regional Planners need Analytical skills, Communication skills, Decision making skills, and Leadership skills.
Who are Urban and Regional Planners?Among other areas of interest, urban and regional planners may choose to specialize in topics like transportation planning, community development, historic preservation, or urban design. Public servants, civil and environmental engineers, architects, attorneys, and real estate developers are all common collaborators with planners.
The skills that Urban and regional planners need to posses are:
Knowledge of urban spatial structure or physical design and the way in which cities work.Ability to analyze demographic information to discern trends in population, employment, and health.Knowledge of plan-making and project evaluation.Therefore, analytical skills, communication skills, decision making skills, and leadership skills are required by urban and regional planners .
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influences of Business environment,
Factors that Influence the business environment are :
Economic environmentSocial environmentTechnological environmentPolitical environmentLegal environment
The business environment means the total of all the individuals, and institutions that could affect the working of the business firm.
Importance of business environment:
Business environments help the firm to prepare itself for every possible obstruction or hindrance that can affect the functioning of the firm.It also helps the firm to adjust to frequent changes.The economic environment is all the things that create an economic impact on the firm.
The social environment is all the traditions and customs of the society that creates an impact on the firm.
The technological environment is all the impact on the firm caused due to new technology and upgradations.
The political environment is the conditions and behavior that the elected representatives hold toward the business
The legal environment is entirely based on the rules and legislation of the authorities.
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what is VAT number?why we need this?
Answer:
what is a vat
Explanation:
All raw materials used were traceable to specific units of product. healey company's direct materials used for the year is:________
The direct materials used by Healey Company for the year can be determined by analyzing the traceability of the raw materials to specific units of product.
Traceability of raw materials to specific units of product means that the company can identify and track the materials used in each unit of product. This allows for accurate determination of the direct materials used by the company for the year. Unfortunately, the amount of direct materials used by Healey Company for the year is not provided in the question.
To determine the exact quantity of direct materials used, you would need additional information such as production records, purchase invoices, or inventory data. In conclusion, without further details, it is not possible to provide the exact amount of direct materials used by Healey Company for the year.
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Thomas is applying to refinance his mortgage. His first mortgage is $25,000 at a 9% rate. He plans to get cash out, up to $40,000. He qualifies for an 80% LTV and his house appraises for $100,000. Shortly before closing, the title exam shows $23,000 in mechanics liens. Closing costs total $6,000. How much cash will he receive at closing?
Answer:
$26,000
Explanation:
Calculation for How much cash will he receive at closing
Closing cash= ($100,000* 80% - $25,000-$23,000 -$6,000)
Closing cash= ($80,000- $25,000-$23,000 -$6,000)
Closing cash=$26,000
Therefore the amount of cash he will receive at closing is $26,000
Which economic effect does a central bank hope to achieve by buying back large amounts of treasury security
A. It hopes to reduce the amount of money available for lending.
Explanation:
Usually, the central bank(Federal reserve) control the supply of money in circulation in the economy so that the nation's economy would be healthy. One of the ways through which the federal reserve controls the quantity of money in circulation is by selling or purchasing of government securities through a process known as open market operation.
If the federal reserve sells government securities such as treasury bills, in large quantities, its aim is to reduce the amount or quantity of money available to commercial banks for lending, hence mop up the quantity of money in circulation.
Also, if the federal reserve buys government securities, its aim is to make more money available in large quantities to commercial banks and other institutions, hence have more cash to lend people.
The economic effect that central bank are trying to effect by the process of buying back large amounts of treasury security is bring reduction to amount of money available for lending.
Treasury notes as well as bonds are securities that brings about payment of fixed rate of interest which is usually done every six months till the security reach a stage of maturity.The central bank do buy large amounts of treasury security so that the money that can be available for lending can be reduced.Therefore, this process are put in place to balance the economy.
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Tonya is considering leaving work early to go to a baseball game. A ticket costs $30, and it costs $5 to park at the stadium. Tonya will miss 3 hours of work, where she is paid $20 an hour. What is Tonya's total explicit cost of going to the game?
Answer:
$95
Explanation:
UwU
the optimal capital structure theory that incorporates bankruptcy costs states that when graphing firm value against debt levels, the debt level that maximizes the value of the firm is the level where:
According to the optimal capital structure theory that considers bankruptcy costs, the debt level that maximizes the value of the firm is the point where the marginal benefit of adding debt equals the marginal cost of bankruptcy.
At this point, the firm achieves the lowest possible weighted average cost of capital (WACC), which results in the highest possible firm value.
Bankruptcy costs refer to the expenses incurred by a firm when it is unable to pay its debts, including legal fees, reputation damage, and potential loss of business. As a result, a firm must balance the benefits of using debt financing, such as tax deductions and increased leverage, with the potential costs of bankruptcy.
The optimal capital structure theory suggests that a firm should use a combination of debt and equity financing to achieve the lowest possible WACC. As a firm adds more debt, the cost of financing increases due to the risk of bankruptcy. Thus, the firm must weigh the benefits of increased leverage against the potential costs of bankruptcy.
In summary, the optimal capital structure theory that considers bankruptcy costs suggests that the debt level that maximizes the value of a firm is the point where the marginal benefit of adding debt equals the marginal cost of bankruptcy. This balance results in the lowest possible WACC and the highest possible firm value.
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The Lexus and Black Panther product placement campaign is an example of a. personal selling. b. direct marketing. c. social media. d. advertising. e. sales
The Lexus and Black Panther product placement campaign is an example of advertising. Option d is correct.
Advertising is a form of marketing communication that aims to promote a product or service through various media channels, such as television, radio, print, online, or social media. Advertising is typically paid for by the advertiser and is designed to reach a wide audience in order to create brand awareness, generate interest, and ultimately drive sales. The Lexus and Black Panther product placement campaign was a highly publicized advertising campaign that featured Lexus vehicles prominently in the Black Panther movie. The campaign included a series of TV commercials, online videos, and social media posts that highlighted the sleek design and advanced technology of the Lexus vehicles, while also capitalizing on the popularity of the blockbuster movie. Therefore, the Lexus and Black Panther product placement campaign is an example of advertising.
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We suppose an economy defined by:
Y=10000 ; G = 2000 ; T = 1000 ;
r (real interest rate) = 3%;
C = 400 + 0.6 (Y-T) ;
Lo (factors that affect demand of moeny) = 5 ;
Ms (money supply) = 15000 ;
Mg (growth rate of money) = 10% ;
Yg (growth rate of Y) = 7%
question : If M increase by 3%, the P increase by ? ( the options I have are : 1.22%/1.23%/1.24%/1.25%)
Answer:
Explanation:
To find the percentage increase in P if M increases by 3%, we need to use the equation for the quantity theory of money, which is:
M * V = P * Y
Where M is the money supply, V is the velocity of money, P is the price level, and Y is the output of the economy.
If M increases by 3%, then the new value of M can be found by multiplying the old value of M by 1 + the percentage increase:
M' = M * (1 + 0.03) = 15000 * 1.03 = 15450
We can then solve for the new value of P by substituting the new values of M and Y into the equation:
P' = (M' * V) / Y = (15450 * V) / 10000 = 1.5450 * V
We can then find the percentage increase in P by taking the difference between the new value of P and the old value of P, and dividing by the old value of P:
Percentage increase in P = (P' - P) / P = (1.5450 * V - 1) / 1 = 0.5450 * V
So the percentage increase in P is 0.5450 * V.
Sid's Video Store will pay an annual dividend of $2.15 next year. The company just announced that subsequent future dividends will be increasing by 1.5 percent annually. How much are you willing to pay for one share of this stock if your required return is 14 percent
The amount of money that I would be willing to pay for one share of the stock of Sid's Video Store is $17.20.
What is the value of the stock?The amount I would be willing to pay for the stock would be based on the value of the stock.
Value of the stock = dividend that would be paid next year / ( required return - growth rate)
$2.15 / (14% - 1.5%)
$2.15 / 12.5% = $17.20
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What are the two significant issues regarding the ceo pay debate? (check all that apply.)
The two significant issues regarding the ceo pay debate are -
a) the relationship between firm performance and CEO pay
b) the size of the CEO compensation in relation to average employee pay
CEOs frequently get substantial sums of money from business organizations in the form of salary and bonuses. Peer-to-peer reasoning is frequently used to support this; basically speaking, "our" CEO will be paid what other CEOs of similar firms make.
This sounds like a poor justification for morally repugnant compensation systems, hence this argument has historically been disregarded in the philosophical literature. This article, on the other hand, offers a justification of the peer-to-peer argument. It is also demonstrated how a careful analysis of this claim illuminates the incentive-based and desert-based theories of fair compensation.
Complete Question -What are the two significant issues regarding the CEO pay debate? (Check all that apply.)
-the size of the CEO compensation in relation to average employee pay
-the history of CEO pay in the manufacturing industry
-the relationship between firm performance and CEO pay
-the legal and political ramifications of CEO pay
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What might happen if an economy is unable to produce wanted goods and services people will go without them people will look elsewhere for them?
People may start looking elsewhere for them if an economy is unable to supply the desired products and services.
What may occur if a country's economy is unable to produce?People will shop elsewhere if an economy is unable to supply the desired goods and services. Customers will go where their want is satisfied if their desire is not met by the existing economy. An economy must thus create the goods and services that consumers want in order to satisfy their demand.Since society only has a certain amount of resources, it is unable to provide all the products and services that people desire.People may start looking elsewhere for them if an economy is unable to supply the desired products and services.To learn more about economy refer to:
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Answer:its B
Explanation: yes
Use the calculator to complete the following
conjectures about determinants
Matrix Calculator
Change A
Change
BV
If any row of a matrix contains all zeroes the
determinant is equal to
DONE
0
0
0
0
L
[
]
[
]
0
0
0
0
C = 1
d = 1
Operation
Select Operation
Result
undefined
Intro
Answer:
0
0
0
1
Explanation: ur welcome
Which is an example of a small business showing social responsibility to individuals within the company?
A. starting an office recycling program
B. developing sustainable business practice
C. donating money to local organizations
D. allowing employees to work from home
Starting an office recycling program, developing sustainable business practice and donating money to local organizations are examples of a small business showing social responsibility to individuals within the company.
Company have a social responsibility to the communities in which they operate. This includes ensuring that they are good corporate citizens, providing support for local causes and charities, and protecting the environment.
Sustainable business is a term that is often used to describe businesses that are environmentally friendly or that have a positive social impact.
Hence, the correct options are "A, B & C".
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how can you make money at 13 years old.
Answer:
Start a online business, sell your old stuff, make money off your own talents if you have a talent. For example: if you like to paint or make jewlery, sell them on etsy or ebay. Make money by babysitting, walking a dog, chores. Sell feet pictures on omegle or kik (some ppl have foot fetishes, i know a friend who made hundreds a month for selling her foot pics).
Explanation:
Productivity, dependability, and responsibility are examples of skills that managers look for when determining who to promote within a company. Evaluate these three skills and another one or two that you come up with and explain how each skill could be helpful for an employee looking to get a promotion.
A dependable employee is an incredible asset to a company, as they make great coworkers, can be trusted to do their jobs. Productivity and responsibility are important aspects for the promotion.
What is a dependable employee?A dependable employee is a fantastic addition to a company because they make excellent teammates, can be trusted to execute their tasks without micromanagement, and empower others to accomplish their jobs effectively. As a result, being recognized as a dependable employee can help you stand out as an attractive prospect.
Every organization wants a productive employee who is responsible for the success of the organization as well as for his personal gains.
Being reliable implies doing what you say you'll do, when you say you'll do it. A reliable individual fosters trust by keeping himself/herself accountable and, if they lead others, their team members accountable as well.
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