how money is channeled from savers to borrowers to investors
The process of channeling money from savers to borrowers to investors involves the intermediation of financial institutions such as banks, credit unions, and other lending institutions.
These institutions facilitate the flow of funds between savers and borrowers by providing various financial services. Below are the details of how money is channeled from savers to borrowers to investors:1. Savers deposit their money in banks or other financial institutions, which then pools the deposits and lends the funds to borrowers at an interest rate.2. Borrowers receive the funds from the financial institution and use them to finance their investment opportunities.
3. Investors may invest in financial instruments such as stocks, bonds, or mutual funds that are backed by the underlying assets or cash flows of the borrower.4. Financial institutions earn profits by charging a higher interest rate on the loans than they pay on the deposits, known as the interest rate spread. In addition, they may charge fees for their services and earn income from investing in the financial markets.Thus, the intermediation process plays a crucial role in channeling money from savers to borrowers to investors, promoting economic growth and development through the efficient allocation of resources.
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Consider a project that will bring in upfront cash inflows for the first two years but require paying some money to close the project in the third year. A0 = $ 6,500 A1= $ 4,500 A2 = $ -13,000 This is a simple borrowing project. Determine the borrowing rate of return.
The borrowing rate of return can help you compare this project with other investment opportunities to determine which one is the most suitable for your needs.
Let's determine the borrowing rate of return for this simple borrowing project using the given cash flows.
Step 1: Identify the cash flows.
A0 (initial investment) = $6,500
A1 (Year 1 cash inflow) = $4,500
A2 (Year 2 cash outflow) = -$13,000
Step 2: Calculate the net present value (NPV) for different discount rates until NPV equals zero. This discount rate is the borrowing rate of return.
NPV = A0 + (A1 / (1 + r)¹) + (A2 / (1 + r)²)
For our case, we're solving for r (borrowing rate of return) when NPV = 0.
0 = $6,500 + ($4,500 / (1 + r)¹) - ($13,000 / (1 + r)²)
Step 3: Solve for the borrowing rate of return (r). This might require numerical methods like the trial-and-error method or the use of specialized software.
After solving for r, you'll obtain the borrowing rate of return for this simple borrowing project. This rate represents the required return on investment to ensure that the project's net present value is zero, taking into account the cash inflows in the first two years and the cash outflow in the third year.
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a bank promises to pay 5.5% pa compound interest on deposits of £2337 if saved for 3 years. how much will the savings be worth at the end of the period mentioned? write your answer correct to 2 decimal places.
Answer:
£2,744.20
Explanation:
savings amounts after 3 years can be calculated using the formula below.
A = P x ( 1 + r) ^ n
Where A is the amount after three years
P = principal amounts: £2337
r: interest rate: 5.5% or 0.055
n is the number of periods: 3 years
A =£2337 x( 1 + 0.055)^3
A =£2337 x(1.055) ^3
A=£2337 x 1.174241
£2,744.20
Amount after 3 years will be £2744.20
the value systems and norms of a country are unrelated to the costs of doing business in that country true false
The statement "the value systems and norms of a country are unrelated to the costs of doing business in that country" is false. The values and norms of a country can significantly impact the costs of doing business in that country.
The values and norms of a country can significantly impact the costs of doing business in that country. For example, in some countries, it may be more important to establish personal relationships with business partners before making deals. This can require significant time and resources to establish these relationships, which can increase the costs of doing business. In addition, the value systems and norms of a country can also impact the legal and regulatory environment in which businesses operate. For example, some countries may have stricter labor laws or environmental regulations, which can increase the costs of doing business. Other countries may have a more favorable tax environment, which can reduce the costs of doing business. Therefore, it is important for businesses to consider the values and norms of a country when deciding whether to do business in that country and how to operate within that country. Failure to do so can result in significant additional costs and potential legal and reputational risks.
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When Mexico and the United States agreed to reduce and eliminate trade barriers, the countries demonstrated which of the following terms?
Economic integration
O Political stability
O Exchange rate
O Direct investment
Describe an ethical dilemma related to an employees behavior at work or work discipline
Understanding ethical dilemmas
You may be faced with an ethical dilemma when something at work goes against your personal ethics, morals and values. This could be something that one of your colleagues or managers is doing, or something that you are doing yourself.
Which is an example of specialty media?
a) T-shirts with a store logo on them
b) A satellite television ad
c) A "midnight madness" sale
Answer:
a) T-shirts with a store logo on them
Hope it helps...
The product life cycle refers to the stages a product moves through from the time it enters the market until the time
It's the stage by which a product move through from the time it enters the market until the time it is cleared. My own definition states that it's the length of time by which a product is introduced to consumers in the market until it has been removed
If you are buying bulk products in a health food store, you can expect to pay based on
A. the package that it comes in.
B. the size of the scoop or ladle in the bin.
C. the weight of the amount that you select.
D. the comparable cost at a neighborhood grocery store.
A manufacturing company discovered that there is stuck with Richard, and for the past three months had been dropping. How might this affect purchasing
If a manufacturing company discovers that its sales are dropping, this could have a direct effect on its purchasing.
In order to save money, the business might need to buy fewer raw materials and other things. In addition to a drop in production, this can also result in worker layoffs or reduced hours.
To continue to be profitable, the business may have to change its emphasis from cutting costs to boosting sales, creating new goods, or discovering new markets.
In order to generate fresh goods or services that will assist increase sales, the corporation may also need to make investments in research and development.
The Correct question is -
A manufacturing company discovered that there is stuck with Richard, and for the past three months had been dropping. How might Richard's decreased performance over the past three months affect purchasing at the manufacturing company?
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ones Company has an overallocated amount of $2,000 after balancing the Manufacturing Overhead account. The debit entry to close out the overallocated amount would be ________.
Your company has an overallocated amount of $2,000 in the Manufacturing Overhead account. To close out this overallocated amount, the debit entry would be made to the Cost of Goods Sold (COGS) account for $2,000.
Explanation:
If a company has an overallocated amount of $2,000 after balancing the Manufacturing Overhead account, it means that the actual manufacturing overhead costs incurred during the period were less than the amount that was applied to production.
To close out the overallocated amount, the company needs to make a debit entry to reduce the Manufacturing Overhead account. This entry will decrease the amount of manufacturing overhead costs applied to production and bring the account balance back to the actual amount of manufacturing overhead costs incurred during the period.
The specific account to be debited will depend on the accounting system used by the company. In a standard job-order costing system, the Manufacturing Overhead account is typically closed out by debiting the Cost of Goods Sold account, which is an expense account. This entry will reduce the amount of expenses recorded during the period, reflecting the lower manufacturing overhead costs incurred.
Therefore, to close out the overallocated amount of $2,000, the company would make the following entry:
Debit Cost of Goods Sold $2,000
Credit Manufacturing Overhead $2,000
This entry will reduce the Manufacturing Overhead account by $2,000 and increase the Cost of Goods Sold account by $2,000, bringing the Manufacturing Overhead account balance back to the actual amount of manufacturing overhead costs incurred during the period.
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Write a three- to five-sentence paragraph that defines economics. Based on your definition, explain why it is difficult to consider economics an exact science. You may want to consider how economists approach economics to help you explain your answer.
Answer: See explanation
Explanation:
Economics is referred to as a social science that is concerned with how goods are produced, how they're distributed and how they're consumed. Economics is the social science that studies why human beings behave the way that they do.
It is difficult to consider Economics as a science because it lacks a hypotheses that's testable. Also, there is lack of consensus and the scientific method is not followed in Economics.
Question 14 (2 points)
Which career cluster involves hands-on occupations and possibly working outside?
Investigative
Realistic
Enterprising
Conventional
Answer: Enterprising
Explanation: Hands-on jobs are occupation that requires little education, it relate to the practice of learning from experience on the job rather than reading and learning from books. The career cluster of hands-on occupation includes; technicians, plumbers, woodwork, hygiene and catering workers etc.
Enterprising is characterized by great imagination and initiative with energetic to carry out work . Enterprising best fit hands-on career cluster.
Which situation is an example of direct taxation?
O A. A government charges a bank a fee on its deposits, so banks raise
rates for customers.
B. The government charges a tax on imports, which companies pass
on in the prices they charge buyers,
C. Businesses must send a portion of their income each year to the
government
D. Stores charge sales tax on each purchase and send that money to
the government
When Businesses pay a portion of their income to the government in the form of taxes, such a situation is an example of direct taxes. Therefore, (C) is the correct option.
What is Direct Taxes?Direct taxes are paid by the citizens directly to the government without any other stakeholder in between. there are majorly two types of direct taxes, corporate Tax, and Income tax.
Businesses pay corporate tax on their income, which is a form of direct tax.
Therefore, (C) is the correct option.
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How do temporary accounts differ from permanent accounts?.
In essence, the temporary accounts differs from permanent accounts because they are cleared out at the end of the accounting period.
What are Permanent and Temporary accounts?Permanent accounts are account found on the balance sheet (asset, liability, owner's equity accounts etc) while the Temporary accounts are zeroed out by an action called closing.
In conclusion, the temporary accounts differs from permanent accounts because they are cleared out at the end of the accounting period.
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If you are at a university and someone asks "what's your MAJOR?" this is what they
want to know:
a) the secondary courses you are taking in college just for fun
b) the academic discipline to which you have formally committed so you can earn
an undergraduate degree
c) which credit cards you have maxed out to afford tuition, housing, food and books
d) which political party you will agree to join and promote on your campus
Answer:
the answer is B
Explanation:
a(n) _____ does not require union membership, only that dues be paid.
An "agency shop" or "union shop" does not require union membership, only that dues be paid.
In an agency shop or union shop, while employees are not obligated to become union members, they are required to pay dues or fees to the union. This arrangement ensures that non-union employees contribute financially to cover the costs of collective bargaining and other union activities that benefit all employees in the workplace.
The purpose of the agency shop or union shop is to prevent "free-riding," where employees benefit from the union's work without contributing to its funding. It helps maintain financial support for the union's operations while allowing individuals the choice of whether or not to join the union as full members.
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The Stryker Baseball Bat Company manufactures wooden and aluminum baseball bats at its plant in New England. Wooden bats produced for the mass market are turned on a lathe, where a piece of wood is shaped into a bat with a handle and barrel. The bat is cut to its specified length and then finished in subsequent processes. A specific style of wooden bat is supposed to have a mean barrel circumference of 10 inches with ±0. 5 inches tolerance at its thickest point. The company is trying to buy a new machine to cut the bats due to a projected increase in sales. There are three different candidate machines that the company is trying to buy at different costs. The following table summarizes the process average, process standard deviation (SD), and purchase cost of each machine. Which machine, if any, should the company purchase (they are trying to buy the cheapest machine that can get the job done)?
Machine 2 can output inside the tolerance limit. Processes are not competent if their capability index is lower than 1. If the process capability index is 1, it is just slightly competent. A process is considered competent if its capability index is greater than 1.
10 is the goal value.
Tolerances are 0.5.
Lower specification level (LSL) is equal to 10 minus 0.5, or 9.5
USL = 10 + 0.5 = 10.5 is the upper specification level.
The process mean is.
The procedure' standard deviation is.
Process capacity is equal to Cp = (USL - LSL)/6.
Lower Process capacity index: Cpkl = (- LSL/3)
Lower Process capacity index = Cpku = (USL - )/3
Process capacity index is equal to the minimum of [(USL - )/3, ( - LSL)/3] (Cpku, Cpkl)
Target Circumference 10
Tolerances ( +/- ) 0.5
Upper Specification limit 10.5
Lower Specification limit 9.5
Machine 1 2 3
Average (µ) 10.36 9.94 10.03
SD (σ) 0.12 0.14 0.16
Cost ($) 20000 18000 15000
Process Capability 1.39 1.19 1.04
(Upper Process
Capability Index) (10.5-10.39)/(3*0.12) 1.33 0.98
= 0.39
(Lower Process
Capability Index) (10.39-9.5)/(3*0.12) 1.05 1.10
= 2.39
(Process Capability Min (0.39, 2.39) 1.05 0.98
Index ) Min (0.39, 2.39) = 0.39
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Your friend needs money today and can pay you $5,193 in 4 year, $2,805 in 8 years, $7,098 in 11 years and $709 at the end of each quarter starting at the beginning of year 4 and ending at the beginning of year 16. How much would you be willing to lend him today if you both agree that 11.01% interest per year is fair. Assume all interest is compounded quarter. Answer Format: INCLUDE ONLY NUMBERS AND DECIMALS IN YOUR ANSWER. Do not include "\$" "," or any other formatting. Carry interim computations to at least 4 decimals. Enter numerical answers as a positive or negative number rounded to 2 decimal places
You would be willing to lend your friend $12,753.34 today. To calculate the present value of the cash flows, we need to discount each cash flow back to the present using the given interest rate.
The formula to calculate the present value is:
PV = CF / (1 + r)^n
Where PV is the present value, CF is the cash flow, r is the interest rate, and n is the number of periods.
Calculating the present value for each cash flow:
PV1 = $5,193 / (1 + 0.1101/4)^(44)
PV2 = $2,805 / (1 + 0.1101/4)^(48)
PV3 = $7,098 / (1 + 0.1101/4)^(411)
PV4 = $709 * (1 - 1 / (1 + 0.1101/4)^(416)) / (0.1101/4)
Summing up all the present values:
PV = PV1 + PV2 + PV3 + PV4
Calculating the above equations:
PV1 = $5,193 / (1 + 0.027525)^(16) = $3,147.1895
PV2 = $2,805 / (1 + 0.027525)^(32) = $1,477.0432
PV3 = $7,098 / (1 + 0.027525)^(44) = $2,990.1095
PV4 = $709 * (1 - 1 / (1 + 0.027525)^(64)) / (0.027525) = $5,138.9938
PV = $3,147.1895 + $1,477.0432 + $2,990.1095 + $5,138.9938 = $12,753.336
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Lisa takes a loan of $10,500 if I did 9 simple interest rate for 7 years how much interest will she pay after 3 years how much interest will she pay in total of for the loan
Lisa will pay a total interest of $2845 at the end of 3 years to the loan; and $6615 in total throughout the period of loan through the simple interest method.
What is simple interest?The type of interest which is charged only over the initial amount or the principal amount and payable at the end of a predetermined period is known as a simple interest.
Using the given information, the simple interest at the end of 3 years and 7 years will be computed as below,
\(\rm Simple\ Interest= \dfrac{Principal\ x\ Rate\ of\ Interest\ x\ Period}{100}\\\\\rm Simple\ Interest= \dfrac{10500\ x\ 9\ x\ 3}{100}\\\\\rm Simple\ Interest= \$2845\)
Now for 7 years,
\(\rm Simple\ Interest= \dfrac{10500\ x\ 7\ x\ 9}{100}\\\\\rm Simple\ Interest=\$6615\)
Hence, the simple interest to be paid by Lisa at the end of the required periods is given as above.
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Which cable news network produces the most straight reporting?
A. MSNBC
B. ESPN
C. CNN
D. FOX
Answer:
C.
Have a good morning✨
Answer:
A
Explanation:
Based on the introduction and the job description, which qualities will Sarah need to look for when considering candidates to fill the position at Sarah’s Fruit Pops? List the top three characteristics.
Answer:
life experiences
Explanation:
high school diploma, college degrees, employment history.
The qualities will Sarah needs to look for when considering candidates to fill the position at Sarah’s Fruit Pops, was an experience.
What are experiences?Experience refers to conscious events in general, and perceptions in particular, as well as the practical knowledge and familiarity produced by these conscious processes. Experience, defined as a conscious event in the broadest sense, entails a subject to which various elements are offered.
The job description, high school diploma, college degrees, and employment history. qualities will Sarah need to look for when considering candidates to fill the position at Sarah’s Fruit Pops
Therefore, By having previous experience in the Fruit Pops, These qualities are Sarah looking for in the candidates.
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What is the primary purpose of marketing?
The primary purpose of marketing is to promote a product or service in order to attract and retain customers.
This involves researching and understanding the needs and desires of the target audience, developing a marketing strategy that effectively communicates the benefits of the product or service, and implementing and monitoring the marketing campaign to ensure it is achieving its desired results. Marketing is essential for businesses to succeed in a competitive marketplace and helps to build brand awareness and loyalty among consumers.Marketing involves a range of activities, including researching consumer preferences, developing and promoting products and services, determining pricing and distribution strategies, and building relationships with customers. The ultimate goal of these activities is to create value for customers and generate revenue and profits for the business or organization.
Marketing is an essential part of any business or organization, as it allows them to understand and respond to customer needs, differentiate their products or services from those of competitors, and build brand awareness and loyalty.
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Lean farms operated every process with a lean philosophy. For example once cletus returned with an empty wheelbarrow, jake knew it was time to get busy shoveling manure in order to fill it back up. This is an example of?.
Jake realized it was time to start raking manure to fill it back up. An illustration of a container system.
Explain about the container system?
Containerization includes operating system virtualization. A single container could be used to run anything from a tiny microservice or software process to a sizable application. A container holds all necessary executables, binary code, libraries, and configuration files.
Containers are software packages that come with everything needed to execute in any environment. Containers virtualize the operating system in this manner, enabling them to run anywhere, including on a developer's own laptop as well as on a public cloud or a private data center.
Automating the creation, deployment, and scaling of containers is done through a process called container management. Large-scale container addition, replacement, and organization are made possible via container management.
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A line of credit that allows a borrower to repeatedly use it within a certain monetary amount is considered to be — answer choicesclose-ended creditretirement accounta secured loanopen-ended credit
A sort of line of credit known as "open-ended credit" allows borrowers to draw on it again up to a certain limit.
What two sorts of currencies are there?
Both expansionary and contractionary monetary policies are used. A contractionary monetary policy is put in place to lessen the quantity of money flowing through the economy.
What exactly does monetary policy entail?
The process of controlling an economy's total amount of money as well as the means by which it is dispersed is known as monetary policy. Monetary policy strategy is influenced by economic factors such the GDP, inflation rate, and sector- and industry-specific growth rates.
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Identify two prices indices?
Answer:
Some notable price indices include:
Consumer price index.
Producer price index.
Employment cost index.
Export price index.
Import price index.
GDP deflator.....
Answer:
consumer price indexproducer price indexExplanation:
consumer price index: it measures changes in the price level of a weighted average market basket of consumer goods and services purchased by households.
producer price index: it is a price index that measures the average changes in prices received by domestic producers for their output.
describe factors that are used to identify an act or practice as being unfair, deceptive, or abusive (udaap).
There are some common factors that are generally considered when assessing whether an act or practice falls under UDAAP. These factors include; Substantial injury, Lack of consumer understanding, Deceptive representations, and Violation of established laws or standards.
Substantial injury or harm; The extent of harm or injury caused to consumers is a crucial factor in determining UDAAP. If the act or practice results in significant financial, physical, or emotional harm to consumers, it may be considered unfair or abusive.
Lack of consumer understanding; If an act or practice exploits consumers' lack of understanding or knowledge, it may be deemed deceptive or unfair. This includes misrepresenting or withholding important information that could affect consumers' decision-making process.
Deceptive or misleading representations; Making false or misleading statements, omitting important information, or engaging in deceptive advertising practices are key indicators of UDAAP violations. This includes false claims, deceptive pricing, hidden fees, or misleading product descriptions.
Violation of established laws or standards; If an act or practice violates existing consumer protection laws, regulations, or industry standards, it can be considered an indicator of UDAAP.
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Mr. Chong is the new sales manager at Gateway Inn. Help him arrange the order of elements when selecting a sales technique.
Answer:
The order of the elements of a sales technique will influence the entire sales process and the building of a relationship with the customer.
Explanation:
A sales manager must design the elements that are essential for a sale to be effective, making the process more qualitative for the customer, building relationship and reliability, which builds customer loyalty and increases the value of a brand.
Therefore, every sales technique must have essential elements, which are: determination, understanding, empathy, problem solving and emotional leverage.
Starting with determination, which is essential in the constant monitoring and improvement of your sales technique, is the search for the qualification of the information made available to the customer in a sales process. Right after there is understanding, which is knowing how to listen to what the customer wants by asking the right questions and then devising the best argument for the customer to complete the purchase. A good salesperson is one who provides the customer with solutions to his problems, so his sales technique must be aligned with what the customer needs, using empathy to strengthen the relationship with the customer, and finally the emotional leverage, which is an essential element that must be used with caution, that is, the relationship with the customer must be trustworthy and transparent, the salesperson must know how to ask the right questions and know how to interpret his customer's desires and body language.
The improvement of sales must be constant, the focus must always be on the customer and his satisfaction.
How to treat someone very mean on their special day??
When I mean special day I mean
Mothers day
Birthday
Meeting
whoever answers the questions correctly and best I will mark them Brainly and will give them more points
Answer:
birthday
Explanation:
- give them a happy birthday card but glue the card shut
- give them a wrapped present but inside the box put nothing but glitter in it
If frank is researching the number of customers who have gluten or wheat allergies, and then he begins to devise a strategy to cater to these individuals, frank would be involved in.
If Frank is researching the number of those that have gluten or wheat allergies then he is involved in planning.
What is planning in business?In the world of business, planning has to do with the setting of goals and objectives for the business and the various ways that the goals would be achieved.
Planning usually carries most of the ways that the business plans to achieve its set goals and objectives.
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