Based on the amount that Adrian borrowed and the annual interest, his monthly mortgage payment would be $809.39.
What is the monthly mortgage payment?The monthly payment is an annuity because it will be constant so we can use the present value of an annuity formula.
Periods:
= 30 x 12
= 360 months
Interest:
= 6% / 12 months
= 0.5%
Monthly amount is:
135,000 = Amount x (1 - (1 + 0.5%)⁻³⁶⁰) / 0.5%
Amount = 135,000 / 166.791614392335294
= $809.39
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Review each of the investment opportunities provided by earl investments and pima financial trading. in a three paragraph essay (a minimum of 4-5 sentences), write an analysis of these opportunities that answers the following questions. based on the evidence available to you, which investment opportunity is more likely to be fraudulent? what are the true risks of investment with this company, and does the company accurately describe these risks? what are the potential returns on an investment, and does the company accurately describe these returns?
Every investment entails certain risks and hazards. There is always some element of risk involved with undertaking any venture, whether it be with regard to real estate, stocks, goods, joint assets, or anything else.
Every investment entails certain risks and hazards. There is always some element of risk involved with undertaking any venture, whether it be with regard to real estate, stocks, goods, joint assets, or anything else. Additionally, when indicating the consent of speculating, they do include the risk element, which is frequently ignored by the financial expert at the time of marking the agreement .
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______,while holding demand constant, results in an increase in the equilibrium price of the good, but a decrease in the equilibrium quantity of the good.
An increase in supply, while holding demand constant, results in an increase in the equilibrium price of the good, but a decrease in the equilibrium quantity of the good. Read below about supply.
What is Supply?Supply refers to the act of making (something needed or wanted) available to someone; provide. In economics, supply is the amount of a resource that firms, producers, labourers, or other economic agents are willing and able to provide to the marketplace or to an individual. Supply can be in produced goods, labour time, raw materials, or any other scarce or valuable object.
Therefore, the correct answer is given above
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On August 22, Year 4, Martha purchases a computer to use in her childcare business. She sells the computer on December 28, Year 4, for $2,000 when the machine has an adjusted tax basis of $1,700. What is the amount and character of the gain on the sale
The amount is $300 and character of the gain on the sale is ordinary income.
Ordinary income
Using this formula
Gain on the sale=Cost of computer -Adjusted tax basis
Let plug in the formula
Gain on the sale=$2,000-$1,700
Gain on the sale=$300 (ordinary income)
Therefore the amount is $300 and character of the gain on the sale is ordinary income.
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If a company uses straight-line depreciation, the average investment is calculated as: (Check all that apply.) Multiple select question. initial investment - salvage value)/2. (beginning book value - salvage value)/2. sum of individual years' average book values/number of years of planned investment (beginning book value salvage value)/2. (initial investment salvage value)/2.
When using straight-line depreciation, a company can find it's average investment as:
(beginning book value + salvage value)/2sum of individual years' average book values/number of years of planned investment.How can the average investment be found?You can use the formula:
= (Beginning book value + Salvage value) / 2
It shows the two values that allow you to find the average investment because they show the beginning and ending change in the investment value.
You can alternatively take an average of the book value of every year and then add that up and divide the sum by the number of years.
This shows the average of the average book values which is the average investment.
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In market economies, most decisions are made by ___, while in command economies, most economic decisions are made by ___.
In market economies, decisions are made by individuals whereas, in command economies, economic decisions are made by a central authority.
What is the Economy?The economy refers to the position of a country when sufficient production and consumption of goods and services by the manufacturers and customers. This reflects the sufficient flow of money.
Market economy refers to the economy when any business is owned by an individual. In this type of economy, all the directions are followed by business given by individuals only, excluding government involvement.
In a command economy, it is controlled by government officials, and all the decision-making is done by them. This central authority will control the allotment of raw materials as well as resources utilized in production.
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Homeshoring provides companies with operational efficiencies while also resolving possible issues related to:_________
a. cost
b. outsourcing jobs
c. facilities
d. management
Home shoring helped the companies in providing operational efficiencies by resolving the issues of outsourcing jobs also.
Option B is the correct answer.
What is outsourcing?Outsourcing is the activity where the third party fulfills the work being given by the company.
Home shoring is the process where the companies are providing jobs in the comfort of the respective homes of their employees. This helped the companies to hire employees from any part of the world or nation. It also provides immense exposure to employees without even going to the office space.
Therefore, the issue of outsourcing the jobs would be solved by home shoring leading to enhancing the operational efficiency of companies.
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If electro corporation sells a $20 million stock issue to an investment banking firm such as merrill lynch, this transaction takes place in:
The transaction of Electro Corp. selling their stock to an investment banking firm means that this happened in the Primary market.
What happens in the primary market?This is the market where a company issues its stock to the market. They can issue it directly, but they usually go through an investment banking firm.
This investment banking firm would buy the stock at a lower price and then sell it to the market at a higher price.
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Title VII of the Civil Rights Act provides employees with a statutory right to complete religious freedom in the workplace. a. True b. False
IS TRUE ,Title VII of the Civil Rights Act provides employees with a statutory right to complete religious freedom in the workplace.
Does Title VII apply to religion?
Title VII of the Civil Rights Act of 1964 prohibits employment discrimination based on religion. This includes refusing to accommodate an employee's sincerely held religious beliefs or practices unless the accommodation would impose an undue hardship (more than a minimal burden on operation of the business)
Title VII also prohibits workplace or job segregation based on religion (including religious garb and grooming practices), such as assigning an employee to a non-customer contact position because of actual or feared customer preference.
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what is the cap rate if a building sells for $2,000,000 with an noi of $150,000?
The cap rate if a building sells for $2,000,000 with an noi of $150,000 is 7.5%
What is cap rate?This is the ratio of the net operating income (NOI) of a business to its current market value. Mathematically;
cap rate = NOI/market rate
Given the following
NOI = $150,000
Market value = $2,000,000
Substitute
cap rate = 150,000/2,000,000
cap rate = 0.075 = 7.5%
Hence the cap rate if a building sells for $2,000,000 with an noi of $150,000 is 7.5%
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A Blank______ identifies the product or brand, the package contents, and other information like where the product was made, when, and by whom. Multiple choice question.
Labeling identifies the product or brand, the contents of the package, and the data written on the product.
The second option is the correct answer.
What is a product?Product is referring to the goods manufactured or services rendered by a company in the consumer market.
Labeling is one of the activities involved in the marketing of a product. In this process, a label is put on the product specifying the name of the product, its brand, the contents available, a manufacturing company, net weight, ingredients used, etc.
Question's missing part:
The options are given as follows:
1) Branding
2) Labelling
3) Packaging
4) Warehousing
Therefore, the labeling on the product is the correct answer from the provided options.
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A competitive environment where there is strong rivalry among sellers, low entry barriers, strong competition from substitute products, and considerable bargaining leverage on the part of both suppliers and customers a. is competitively unattractive from the standpoint of earning good profits. b. offers little ability to build a sustainable competitive advantage. c. is highly conducive to achieving strong product differentiation and high customer loyalty to the company's brand. d. offers moderate to good prospects for making a reasonable profit and building a sustainable competitive advantage. e. requires that industry members have a strongly differentiated product offering in order to be profitable.
The competitive environment described is competitively unattractive from the standpoint of earning good profits.
What is a perfect competition?A perfect competition is characterized by many buyers and sellers of homogenous goods and services. Market prices are set by the forces of demand and supply. There are no barriers to entry or exit of firms into the industry. In the long run, firms earn zero economic profit.
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Selzer inc. sells all of its merchandise on credit. it has a profit margin of 4 percent, days sales outstanding equal to 60 days, receivables of $150,000, total assets of $3 million, and a debt ratio of 0.64. the firm's return on equity (roe) is:
If Selzer inc. sells all of its merchandise on credit. The firm's return on equity (roe) is: 3.3%.
Return on equity
First step
0.64= TD / $3,000,000
TD = $1,920,000
Second step
DSO ratio = accounts receivable / (annual sales / 365 days)
60 = $150,000 /(sales/365)
Sales = $912,500
Third step
Total Equity
TE= $3,000,000 - $1,920,000
TE = $1,080,000
Fourth step
Net Income
Profit Margin = NI/Sales
0.04 = NI / $912,500
NI = $36,500
ROE= $36,500 / $1,080,000
ROE= 3.3%
Therefore The firm's return on equity (roe) is: 3.3%.
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A characteristic of the production era is:
A characteristic of the production era is that buyers of a particular goods and services accepts the nature of the goods even if unsuitable due to the level of its scarcity.
Concept of production era.The forms of era that will have can be production or sales oriented.
The production era shows that buyers of a particular goods and services accepts the nature of the goods even if unsuitable due to the level of its scarcity.
For the sales era, the manufacturers tends to produce more goods depending on the response of the buyers to the product.
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BI represents a bold new paradigm in which the company's business strategy must be aligned to its business intelligence analysis initiatives. Group of answer choices True False
The answer is, False.
A collection of tools (technology, applications, etc.) known as business intelligence (BI) is used to enable better business decisions. BI is a tool for achieving goals, not a goal in and of itself.BI is a crucial tool since technology is advancing quickly and steadily.For instance, it took Walmart several decades to overtake Sears as the leading retailer in the United States, but Amazon did so in only a few short years. Our world has radically transformed as a result of new technology, and no organization can afford to fall behind.What do you mean by business intelligence?Business intelligence (BI) is a technology-driven method for data analysis and information delivery that aids managers, employees, and executives in making wise business decisions.What is business intelligence give examples?BI encourages the use of historical data to promote fact-based decision making as opposed to assumptions and intuition. Data analysis is carried out by BI tools, which also produce reports, summaries, dashboards, maps, graphs, and charts to give users a thorough understanding of the nature of the business.Learn more about business intelligence here:
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The management of L Corporation is considering a project that would require an investment of $265,000 and would last for 6 years. The annual net operating income from the project would be $111,000, which includes depreciation of $30,000. The cash inflows occur evenly throughout the year. The payback period of the project is closest to (Ignore income taxes.): Multiple Choice 1.7 years 1.9 years 2.4 years 2.0 years
The payback period of the project is closest to 1.9 years
The formula to compute the payback period is shown below:
= Initial investment / Net cash flow
where,
Initial investment is $265,000
And, the net cash flow
= annual net operating income + depreciation expenses
= $111,000 + $30,000
= $141,000
Imputing the figure to the above formula
= $265,000 / $141,000
= 1.9years
Hence, the payback period of the project is closest to 1.9 years
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John, who has an inflation adjusted wage, would like to borrow a loan from the Bank of Titon. Suppose the inflation rate is predicted to be 8%. In order for the loan payments to be more favorable to John, the interest rate should be:
In order for the loan payments to be more favorable to John, the interest rate should be:6%.
What is inflation?Inflation occur when their is increase in the price of goods and services,
Based on the given scenario if the inflation rate is 8%. The best alternative is for John to receive the interest rate at 6% as this will enable the loan payment to favor him compare to 8% which is higher.
Therefore In order for the loan payments to be more favorable to John, the interest rate should be:6%.
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The earnings gap in the U.S. labor market between black and white workers_____________________ in the 1960s and 1970s, but, since 1980, the gap_____________________. rose substantially; has not changed much fell substantially; is pretty well unchanged rose substantially, has declined substantially fell substantially, has substantially increased
1st blank - fell substantially.
2nd blank - is pretty well unchanged.
U.S. labor market between black and white workers:Significant salary gaps between black and white workers are a key indicator of racial inequality in the labor market. In 2019, the median hourly wage for a black worker was 24.4 percent less than for a white worker. This represents a salary difference that is even greater than the 16.4% figure from 1979.Salary gaps between white and black workers?In terms of the difference between black and white salaries, the wage gap has varied over the first ten years of the twenty-first century: 67.7 percent in 2000, 64.0 percent in 2005, 67.5 percent in 2008, and 64.5 percent in 2009. However, the absolute salary gap between black and white workers has shrunk during this time.
Therefore, The earnings gap in the U.S. labor market between black and white worker fell substantially in the 1960s and 1970s, but, since 1980, the gap is pretty well unchanged.
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If prices are rising, which inventory cost flow method will produce the lowest amount of cost of goods sold?.
Answer:
FIFO
Explanation:
Green Thumb Nursery has 38,000 shares outstanding at a market price of $63.27 per share. The earnings per share are $3.27. The firm has total assets of $332,000 and total liabilities of $192,000. Today, the firm announced a share repurchase for $87,000 of its stock. What is the earnings per share after the repurchase
Based on the market price and the earnings per share before the share repurchase, the earnings per share after is $3.39.
How can the earnings per share be found?First find the earnings of the company:
= 38,000 x 3.27
= $124,260
Then find the shares to be repurchased;
= 87,000 / 63.27
= 1,375shares
The shares after repurchase is:
= 38,000 - 1,375
= 36,625 shares
The new earnings per share is:
= 124,260 / 36,625
= $3.39
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__________ implies that pressure for price increases reaches across _______________markets, not just one.
Answer:
"Inflation" implies that pressure for price increases reaches across "most" markets, not just one.
"Inflation" implies that pressure for price increases reaches across "most" markets, not just one.
What is the market?
Markets are places where individuals, businesses, and industries transact, whether it be for the purpose of purchasing, selling, or providing services. They use it in order to make money.
The term "inflation" describes an economy's overall rise in the market value of both goods as well as services. Money units may purchase fewer merchandise and services as the market's overall level of prices rises, hence inflation is associated with a decline in the value of money's purchase power.
The rate at which prices increase over a particular period of timeframe is known as inflation. Inflation is often measured in broad terms, including the general increases in inflation and the rise in a nation's living expenses.
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Rabia does not currently have a job, but declined a job offer because she feels her skills merit better pay and a better position. Which terms can be used to describe rabia? check all that apply
The terms that can be used to describe rabia when she does not currently have a job, but declined a job offer because she feels her skills merit better pay and a better position is fictionally unemployed.
What is Frictional unemployment?Frictional unemployment can be regarded as the type of unemployment that comes from employment transitions within an economy.
This is the reason why Rabia declined a job offer because she feels her skills merit better pay and a better position.
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Skill acquisition plans include goals, objectives, ______Data collection procedures may also include information about completion criteria and reversal criteria. ____________, and data collection.
Information on completion criteria and reversal criteria may be included in a skill acquisition plan that outlines goals, objectives, materials, and data gathering techniques. Evidences and data collection.
What is data collection?
Data collection is the process of obtaining, observing, measuring, and evaluating data from various sources as part of a research project.
Develop skills through a skill acquisition strategy. It is a written plan that outlines the objectives, aims, and resources required for instruction. Procedures for collecting data may also be evidences that they are needed for data collection.
As a result, materials and evidence options in the blank.
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Slavin Movement has bonds on the market making annual payments, with 14 years to maturity, a par value of $1,000, and a current price of $1,108.60. At this price, the bonds yield 7.5 percent. What is the coupon rate
The coupon rate=8.781% as bonds on the market making annual payments, with 14 years to maturity, a par value of $1,000, and a current price of $1,108.60.
Explanation:The price at the moment is stated as;
Current price=C×{1-(1/(1+r)^n)}/r+{F.V/(1+r)^n}
where;
C=current price
r=annual yield to maturity rate
n=number of years to maturity
F.V=face value
In our case;
C=$1,108.60
r=7.5%=7.5/100=0.075
n=14 years
F.V=$1,000
replacing;
1,108.60=C×{1-(1/(1+0.075)^14)}/0.075+{1,000/(1+0.075)^14}
1,108.60=C×{1-1/(1.075^14)}/0.075+{1,000/1.075^14}
1,108.60=(C×0.637/0.075)+363.313
1,108.60-363.313=8.48915 C
C=$87.81
But;
Annual coupon payments=coupon rate×face value
where;
annual coupon payments=$87.81
coupon rate=R%=(1/100)R=0.01 R
face value=$1,000
replacing;
87.81=0.01 R×1,000
R=87.81/(0.01×1,000)=8.781% = 8.781
Thus, The coupon rate=8.781%
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the cheap foreign ______ argument says that trade protection is required to ensure that cheap imports do not flood u.s. markets, dragging down prices of goods and u.s. wages.
The cheap foreign Labour argument says that trade protection is required to ensure that cheap imports do not flood u.s. markets, dragging down prices of goods and u.s. wages. This is further explained below.
What is foreign Labour?Generally, Those who work in a nation other than their own but have no intention of permanently relocating there are considered foreign workers since they do not have citizenship in the country where they are employed.
In conclusion, The idea that trade protection is needed because of cheap imports flooding the market and driving down prices and U.S. wages is known as the "cheap foreign labor" argument. More detail about this is provided below.
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Maria's New Year's Resolution is to save
more money. All of her spending should
be:
A. Impulsive
B. Unplanned
C. Intentional
What is the most accurate statement about posting complaints online?
The most accurate statement about posting complaints online is that it may make the complaints of the complainers seem irrational.
What does it mean by posting complaints online?
This has to do with the fact that people may decide to express their displeasures about certain issues through the use of social media.
The use of this may sometimes make the people seem irrational on the issues they have.
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Fill in the missing words: A leading chocolate company recently announced that it has succeeded in creating red chocolate. The company _______ that no food coloring was involved. Instead, they used a ________ type of cacao bean and a unique manufacturing process. g
The company says that no food coloring was involved. Instead, they used a special type of cacao bean and a unique manufacturing process.
What is a manufacturing process?This involves the process of turning raw materials into finished goods with the help of tools, human labor, machinery etc.
In this context, the complete sentence is the company says that no food coloring was involved. Instead, they used a special type of cacao bean and a unique manufacturing process.
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URGENT! HELP NOW PLEASE! If it was possible for one company to gain ownership control all of the uranium processing plants in the US, then O they will strive to reach efficiencies only they know how to make. Othat firm could set up barriers to entry to discourage competition. Ogovernment will deregulate to ensure the company's monopoly O the factors of market demand and supply will set the price.
If it was possible for one company to gain ownership control of all the uranium processing plants in the US, then that firm could set up barriers to entry to discourage competition.
What are barriers to entry?When there are difficulties in entry in the market for the sellers in a particular industry due to the dominant position of a firm, and other added factors, then such factors are known as the barriers to entry.
Hence, option B holds true regarding barriers to entry.
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A man purchased a new power boat with an inboard engine from a boating supply store. The boating supply store properly inspected the boat before delivery, but did not detect a virtually invisible manufacturing defect in the boat's steering mechanism. Later that summer, the man was entertaining some friends on his boat on a lake near a dam. There were some warning pylons near the dam, warning boaters to stay clear. The man decided to show off for his friends by weaving his boat in and out of the warning pylons. As he rounded the last of them, the steering mechanism of his boat jammed, and the boat crashed into the dam. The man was severely injured. The man brings an action for damages against the boating supply store on a theory of strict liability in tort in a jurisdiction that does not apply its comparative fault rules to strict liability actions. Who will prevail
In this scenario with the boat the person that would prevail is the man that bought the boat.
The reason why the man would prevailThis is due to the fact that the people that sold him the boat should have made sure that they were not selling a defective item.
The accident was not the fault of the man. The defect should have been well detected and dealt with before the sale of the boat.
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Who is the president's chief adviser on intelligence matters across the executive branch?
The Director of National Intelligence is known as the President's chief adviser on intelligence matters across the executive branch.
What is the role of Director of National Intelligence?
The director's role is to serves as the head of the Intelligence Community, directing the implementation of the National Intelligence Program budget and serving as the principal advisor to the President.
Hence, the Director of National Intelligence is known as the President's chief adviser on intelligence matters across the executive branch.
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