Mortgage Meltdown
Assignment Directions
1. For this assignment you will research a single entity that falled in the mortgage collapse of 2007-2008. This will require you to
research information on the SEC, FDIC, and Federal Reserve sites. Each of these organizations will have information on consumer
settlements due to investment bank and other bank failures. All of these entities were mentioned in the text and vocabulary. In
Submission Requirements
You will write a report which must include the following elements: a timeline, brief narrative explanation of the events, financial
report on the firm you analyzed, actions taken by regulators, and the penalties which were assessed. Pay specific attention to the
individual investors and mortgage holders who were harmed and note them in your report; devote at least a paragraph to these
losses. Extra points will be awarded if you make a quantitative estimate of these losses. If you do use a math example, cite your
source or show your calculations.
The report should be no less than three pages, double-spaced, with one-Inch margins. Graphs and charts to illustrate points are
appreciated and rewarded.

PLS RESPOND ASAP!!! WILL GIVE BRAINLIEST!!!

Answer:

Aimless wandering

Explanation:

Answer:

cybercrime

both employees and outsiders

Aimless wandering

A security guard

Many security breaches ........

intellectual property theft

stealing ideas, information, or creative products

add a watermark

embezzling

Answer:

price of iPhones decreases

Explanation:

A decrease in price increases quantity demanded but does not  increase demand.

iPhones and Android phones are substitute goods.

Substitute goods are goods that can be used in place of another good.

An increase in the price of androids increases the cost of androids. So, consumers would increases their demand for iPhones.

Because iPhone is assumed to be a normal good. An increase in the price of iPhones would increase the demand for the good.

Normal goods are goods that are goods whose demand increases when income increases and falls when income falls

Data plans and iPhones are complement goods.

Complementary goods are goods that are consumed togethe  

A decrease in the price of data plans would increase the demand for iPhones.

Mrs. Slayman slays approximately 1,468,800 times in a day.

If Mrs. Slayman slays 17 times every second, then in one minute (60 seconds), she slays:

17 times/second * 60 seconds = 1020 times/minute

In one hour (60 minutes), she slays:

1020 times/minute * 60 minutes = 61,200 times/hour

And in one day (24 hours), she slays:

61,200 times/hour * 24 hours = 1,468,800 times/day

Therefore, Mrs. Slayman slays approximately 1,468,800 times in a day.

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Answer:

when your slowly growing or developing a new tecnique of something

Explanation:

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Answer:

Think of questions without writing them down

The double-declining balance method is an effective way to depreciate assets in the early years of their useful life and reduce the balance of the asset more quickly than the straight-line method. This helps companies to account for the asset's cost more accurately over time and to recognize its diminishing value as it ages.

Double-declining balance method is a method of depreciation that is an accelerated method.

The depreciation rate is twice as much as the straight-line method's depreciation rate.

This method begins with an asset's value at the beginning of its use and then decreases at a constant rate throughout its useful life until it reaches the asset's salvage value.

This depreciation method is most commonly used for assets that depreciate quickly at the beginning of their useful life and then slowly depreciate over time until they are scrapped or sold.

Assets such as computers, vehicles, and machinery are common examples of assets that use this method of depreciation.

Double-declining balance method can be calculated using the following formula:Annual depreciation = (2 / useful life in years) * book value at the beginning of the yearOrDepreciation rate = 2 / useful life in years.

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Answer:

$310,000

Explanation:

Calculation to determine the increase in the current year in net assets with donor restrictions

Using this formula

Net assets current year Increase=Restricted gift by donor+Restricted gift to pay salary+Restricted gift withheld+Unspent income earned

Let plug in the formula

Net assets current year Increase=$75,000+$95,000+$125,000+$15,000

Net assets current year Increase=$310,000

Therefore the increase in the current year in net assets with donor restrictions will be $310,000

Answer:

accumulated depreciation

Explanation:

Accumulated depreciation is the total amount of depreciation expense that has been recorded so far for the asset. Each time a company charges depreciation as an expense on its income statement, it increases accumulated depreciation by the same amount for that period.

Accumulated depreciation and checking are found on an income statement. Thus, options C and E are correct.

Accumulated depreciation is the total depreciation that has been applied to the single point to the assets. Each time, depreciation is recorded and added in the beginning period of the accumulated depreciation.

The example of accumulated depreciation is the net book value of a piece of printing equipment is $65,000 if a business paid $100,000 for it and has accrued $35,000 in depreciation. $100,000 - $35,000 = $65,000. The cost of an asset cannot be exceeded by accumulated depreciation.

Thus, option C and E are correct.

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Answer:

2) prestige.

Explanation:

Buyers who are aware of Firm’s prestige might desire to purchase its products because price no longer remains a limiting factor.

Larry's lunchcart is a small street vendor. If Larry makes pretzels in his shop he makes 15 pretzels a day and the total cost is $16.50, the average total cost per pretzel per day is $1.10.

A street vendor is someone who sells goods to the general public without having a permanent structure from which to sell. Vendors may be stationary in the sense that they occupy space on sidewalks and other public/private spaces.

Thailand is a mecca for street food. For one thing, the food is safe, so tourists have been visiting street stalls of Thailand for cheap and delicious food for years. There are roving bike vendors.

They face eviction, bribery, inaccessibility to various government facilities, lack of facilities such as toilets and lighting, lack of social security, and other similar hurdles.

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Answer:

iwan ko load anong subject bayan hahahsha

The options that are pre-award considerations that impact post-award subcontracting compliance management are:

1)Will advance notification and consent to subcontract be required?

3)Will the contract be set aside for one of the small business socioeconomic categories?

4)Will the contract include government property?

Subcontract management, when correctly implemented, encourages uniformity in the administration of subcontracts across functions, reduces risk to the business and contract, and can boost profitability.

The process of hiring and supervising subcontractors on behalf of a customer is known as subcontractor management. General contractors are accountable for this in construction.

Respect for the standards and guidelines established in a contract is referred to as contract compliance. This frequently entails periodic inspections of an existing contract to look for deviations and assess compliance with compliance rules and standards.

Therefore, The process of making sure people and operations at all levels of the business abide by rules, regulations, and specifications is known as compliance management. Governments, industry groups, regulatory agencies, and employee unions are just a few of the many organizations that set requirements.

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See full question below

Which the following are pre-award considerations that impact post-award subcontracting compliance management?) (Select three that apply)

1)Will advance notification and consent to subcontract be required?

2) Will the prime contractor be required to attend the post-award orientation conference?

3)Will the contract be set aside for one of the small business socioeconomic categories?

4)Will the contract include government property?

Answer:

Udacity.com

Explanation:

I love using this its so easy and assemble come try it out!

Answer:

Khan Academy.

I hope this helped at all.

Answer:        'C' in my personal opinion

Explanation:

Ricardo cannot own the plaza because, the pizza was mislaid property and therefore belongs to the hotel. Thus, option C is correct.

Property is defined as anything over which a company or individual has legal authority. They might have some enforceable rights to the items.\ Most properties have current or future monetary value, which is why they are classified as assets.

In the given case, Ricardo took the another person's pizza from the door of the person which is actually not belongs to the Ricardo, as it is the property of the another person, so Ricardo cannot become the owner of the pizza.

Therefore, option C is correct, that the Ricardo cannot claim the property of the plaza because the pizza was misplaced and thus belongs to the hotel.

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Answer:

Following can be the two questions

Q1. Does your business has the ability to repay the loan under the circumstances of pandemic and lockdown

Q2. What collateral you will use against the credit

Explanation:

Ans-1 Here the creditors want to know that with present economic situation when a rising pandemic situation can affect economic position of any economy with most likely chances of lockdown being declared how this particular business is going to survive. Because such  businesses are dependent on the walk in customers. Hence in the situation of lockdown or increasing pandemic how this business can survive in mentioned conditions.

Ans-2 Here the creditors are interested in understanding that what collateral is used by the business. Collateral is the asset used by the borrower against the loan as security given to the lender. So in this case lenders are most interested in understanding that what collateral this business is going to use also in that case if the economy gets hit by lockdown and the business does not grow will that collateral be able to repay the loan and that too the repayment will be  in complete or partial.  

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Answer:

B

Explanation:

The statement was not true are the organizations add value to society. Thus, the option (c) is correct.

What is organizations?

A group of people who cooperate is known as an organization. Examples of such groups include corporations, unions, charities, and neighborhood associations.

The organization are basic function to perform the common purpose and same goal. The organization are the inflows of the raw material and outflows of finished goods of resources. The organization are not to add value to the human society.

As a result, the statement was the false are the organizations add value to society. Therefore, the option (c) is correct.

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Communication, ethics, conflict management, learning, and inclusion are some issues to consider when leading a multicultural and diversified workforce in Ghanaian business organizations.

In order to foster a culture that celebrates variety and individuality, it is crucial that there be a number of rules and procedures that concentrate on organizational ethics. The manager must be aware of the requirements of the teams, encourage learning, and include the staff in organizational procedures.

Therefore, the sharing of knowledge, learning, and creativity can benefit from a diverse culture.

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The real rate of interest is calculated as the nominal interest rate minus the inflation rate. the correct answer is D

Nominal interest rate = 7.5%

Inflation rate = 1.0%

Real rate of interest = Nominal interest rate - Inflation rate

Real rate of interest = 7.5% - 1.0%

Real rate of interest = 6.5%

Therefore, The real rate of interest is 6.5%, and the lender is better off as a result of the difference between the anticipated and the actual rate of inflation. When inflation is lower than anticipated, lenders benefit because they receive loan payments with a higher purchasing power than they expected. In this case, the borrower (you) will pay back the loan with dollars that are worth more than the lender anticipated, effectively giving the lender a higher return on the loan. The borrower, on the other hand, is worse off because they are paying a higher real rate of interest than they expected.

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Answer: See explanation

Explanation:

The null hypotheses for the above scenario will be the statement of no effect and it'll be the mean weight of the bag that filled will be 420 grams.

H0: μ = 420

The alternative hypotheses for the above scenario will be that the bag isn't filled with 420 grams. They are either underfilled below 420 grams or overfilled above 420 grams.

Ha: μ ≠ 420

The calculated NPV is negative, indicating that the present value of expected cash flows does not exceed the start-up cost of the project. In other words, the project is expected to generate a net loss.

To determine whether Wally's Walleyes should introduce the new product, we can calculate the net present value (NPV) of the project. The NPV measures the present value of expected cash flows, taking into account the required rate of return.

To calculate the NPV, we need to discount the cash flows using the required rate of return (15 percent). The formula for calculating NPV is:

NPV = Cash Flow Year 1 / (1 + Required Rate of Return)^1 + Cash Flow Year 2 / (1 + Required Rate of Return)^2 - Start-up Cost

\(NPV = $4,500 / (1 + 0.15)^1 + $4,300 / (1 + 0.15)^2 - $7,800\)

\(NPV = $4,500 / 1.15 + $4,300 / (1.15)^2 - $7,800\)

NPV = $3,913.04 + $3,537.41 - $7,800

NPV = -$350.55

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False. A business does not usually have to pay taxes based on its inventory directly. Taxes on inventory are not typically levied as a standalone tax. Instead, businesses are generally required to pay taxes on their income or profits, which may be influenced by the value of their inventory.

When calculating income or profit, businesses may consider the cost of goods sold (COGS), which includes the expenses associated with producing or acquiring the inventory. By deducting the COGS from the revenue generated from sales, the taxable income or profit is determined.

In some cases, businesses may be subject to specific taxes related to inventory, such as property taxes or excise taxes on certain types of goods. However, these taxes are not solely based on the inventory itself but rather on factors such as the value or type of inventory.

Overall, taxes paid by a business are typically based on factors beyond inventory, such as income, profits, or specific tax regulations applicable to the business and its operations.

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1. The  two additional adjusting entries   are:

•Rent Expenses $5,225

•Revenue $3,700

2.  Balance sheet reported  is $42,000

3.  Netnet cash flow from operating activities  is $37,500

4. Rent expenset is $5,225$5,225

5.  Totaltotal liabilities is $23,770

6.  Supplies expense   $800

7.    Unearnedunearned revenue  is $3,700

8.    Netnet cash flow  is ($10,000)

9.   Totaltotal expenses is $24,125

10.   Total  service revenue is $71,700

 11.   Cash cash  Cash flows from financing activities  is $45,600

12.   Netnet income  is $26,216

13.   Retainedretained earnings  is $43,216

1. Additional adjusting entries that must be made are:

•Part of the Prepaid rent of the amount of $5,225 will be  allocated to the rent expense

Rent Expenses $5,225

($5,700 x 11/12 = $5,225)

•Part  of the revenue received in advance of the amount of  wi$3,700ll  be recognized as revenue

Revenue

($7,400 x 6/12 = $3,700)



2. Beginning balance $32,000

Add Cost of Land purchased $32,000

Less Cost of Land sold ($22,000)

Ending balance $42,000

3.Cash received from customers

Received cash in advance as a retainer for services to be performed monthly over the coming year $7,400

Received cash collections from accounts receivable $54,000

Cash Paid to Suppliers:

Paid cash in advance for a one-year lease for office space $(5,700)

Made a cash payment on accounts payable $(20,000)

Cash flow from operating activities $35,700

4.Rent for 12 months $5,700

Less Rent per months $475

($5,700/12)

Rent expense $5,225

5. Accounts Payable:

Beginning balance $23,000

Cash payment on accounts payable $(20,000)

Purchased supplies on account $970

Incurred other operating expenses on account $13,000

Balance of Accounts Payable $16,970

Unearned Income $3,700

Accrued salaries expense $5,100

Total Liabilities $23,770

($16,970+$3,700+$5,100)

6.Supplies purchased $970

Less Supplies on hand ($170)

Supplies expense $800

7.Revenue received ion July 1 for 12 months contract $7,400

50% earned in the year $(3,700)

Unearned revenue of the balance sheet $3,700

8. Cash used to purchase land $(32,000)

Proceeds from the sale of land $22,000

Cash used by investing activities $(10,000)

9. Lease for office space $5,225

Supplies $800

Other operating expenses $13,000

Salaries expense $5,100

Total expenses $24,125

10. Revenue earned from retainer received in advance $3,700

Service revenue on account $68,000

Total Service Revenue $71,700

11. Issue of common stock $48,000

Cash dividend to the stockholders $(2,400)

Cash provided by financing activities $45,600

12.Total Service Revenue $71,700

($3,700+$68,000)

Interest Revenue $116

Total expenses $(45,600)

Net income $26,216

13. Retained Earnings on the balance sheet is:

Beginning balance $17,000

Net income for the year $26,216

Ending balance $43,216



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Answer: Consumer Spending

Explanation:

Consumer or consumption spending is the largest component of GDP and represents spending by households for goods and services. The goods purchased are to satisfy utility and not for investment.

A computer purchased for home use will therefore fall under Consumer spending because it was bought to satisfy the needs of the household. Had it been bought for a business it would have been an investment.

Answer:

I think that B is the correct answer.......

A private company is a for-profit organization that does not belong to the state but a particular group or individual.

The term private company refers to a for-profit organization that is controlled by a group of people or an individual and does not belong to the State.

Private companies are also characterized by:

The private sector refers to the set of private companies in a country, they can be foreign or national companies.

Note: The question is incomplete. Here's the full question:

Define 'private sector'.

UDig is a large mining company based in country B. UDig is in the private sector. It supplies businesses in country B with 30% of the coal they need and the rest is imported.

UDig now has eight mines but plans to close two of them. This will threaten 1800 employees with redundancy. The Managing Director said: ‘I blame the appreciation of country B’s exchange rate and new legal controls, including those to protect the environment. The Government should help private sector businesses. '

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1. The value of the stock account after Year 2 is $155,401.626.

2. The value of the stock account after Year 8 is $96,110.0674.

3. The value of the stock account after Year 11 is $96,110.0674.

4. The annual dividend income of the stock exceeds the annual interest income of the bond at the end of Year 15.

Bond interest rate: 5%

Stock dividend yield: 3.7% (10% less than S&P 500 average yield)

Stock dividend growth rate: 3% (50% of S&P 500 dividend growth rate)

We'll assume an initial investment of $100,000.

Year 1:

Bond interest income: $100,000 * 0.05 = $5,000

Stock dividend income: $100,000 * 0.037 = $3,700

Value of stock account: $100,000 + ($100,000 * 0.2337) = $123,370

1. Year 2:

Bond interest income: $100,000 * 0.05 = $5,000

Stock dividend income: $100,000 * 0.037 = $3,700

Value of stock account: $123,370 + ($123,370 * 0.2638) = $155,401.626

2. Year 8:

Bond interest income: $100,000 * 0.05 = $5,000

Stock dividend income: $100,000 * 0.037 = $3,700

Value of stock account: $155,401.626 + ($155,401.626 * (-0.3849)) = $96,110.0674

3. Year 11:

Bond interest income: $100,000 * 0.05 = $5,000

Stock dividend income: $100,000 * 0.037 = $3,700

Value of stock account: $96,110.0674 + ($96,110.0674 * 0) = $96,110.0674

4. At the end of Year 15, the dividend income of the stock exceeds the interest income of the bond.

Stock dividend income: $100,000 * 0.037 = $3,700

Bond interest income: $100,000 * 0.05 = $5,000

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