Moral hazards are the insurance Dishonest tendencies that increase the probability of loss.
What is a moral hazard?This is a term that is used to refer to a type of hazard that happens based on the fact that person has risks that could have a negative effect on another.
When the person does not ,make decisions based on what is right but rather on what they hope to give them the greatest benefit.
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Capitalization of interest is adding accrued
interest to the principal balance, so that the
interest-bearing principal balance of the loan
increases. True or false
It is true that capitalization of interest is adding accrued interest to the principal balance, so that the interest-bearing principal balance of the loan increases.
What is interest capitalization?This is when an unpaid interest is rolled over with the principal amount, which increase the overall amount to be paid. It is the inclusion of an unpaid interest to the principal balance of the loan taken.
Hence, Capitalization of interest is adding accrued interest to the principal balance, so that the interest-bearing principal balance of the loan increases.
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The bid price is $0.64 for the Canadian dollar and the ask price is $0.68 for the Canadian dollar. What is the bid-ask spread for the Canadian dollar?
O a. 6.25%
O b. 8.75%
O c. 5.25%
O d. 6.77%
O e. 7.77%
Answer:
Explanation:
The way this is normally done is to take the difference between the bid price and the ask price and divide by the ask price. That answer is not listed. What is listed is the difference divided by the bid price which is (.68 -.64)/.64 That gives 0.0625. To get a % multiply by 100..That gives 6.25% which is A.
So that is the best I can do for you.. Done the way I first suggested gives 5.88% which isn't there.
how to calculate moving average method
Answer
A moving average is a technical indicator that investors and traders use to determine the trend direction of securities.It is calculated by adding up all the data points during a specific period and dividing the sum by the number of time periodsDiscuss the relationship between bond prices and interest rates. What impact do changing interest rates have on the price of long-term bonds versus short-term bonds? Your answer must be supported with examples and academic citations.
Interest rates and bond prices have an adverse correlation. Bond prices grow during periods of low-interest rates and decline during periods of high-interest rates.
What is the interest rate?The cost of borrowing and the rewards for saving are both indicated by the interest rate. Since there is a premium if the coupon rate is higher than the market rate, the bond's price will be higher. Bond prices will decrease if the coupon rate is lower because there will be a discount.
The price of long-term bonds is more affected by interest rates than the price of short-term bonds. A bond's price varies depending on how long it is.
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Imagine that an exchange student from China visits your class. While your teacher discusses how the United States has a limited government, the Chinese student raises his hand and asks why the government has limited power. Which point best highlights why the US government has limited power? A. A limited government means citizens pay fewer taxes. B. A limited government helps people avoid breaking the law. C. A limited government protects individual freedoms. D. A limited government prevents businesses from being too powerful.
The point best highlights about the US government limited power is that limited government protects individual freedoms. Thus the option (C) is correct.
What is Government?Government refers to the group of individual governing the nation. The main role of the government is the protect of its territory from the outsiders. It functions in various sectors such as health, education, defense, infrastructure etc.
As per the above scenario, a Chinese students asks his teacher that why the American government has the limited power the best reason for the limited power is government protects the individual freedom by diving the power into many hands.
With the distribution of the power in the different branches has led to the enjoy the individual freedom. Thus the option (C) is correct.
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How to increase a website traffic
To increase traffic on a website you should be more focused towards your content and how do you present your content.
So, for starters, here are the top ten methods and my recommended tactics :
1. Conduct research and create a list of challenging keywords
2. Sort all of the keywords by importance for better outcomes.
3. Employ seasoned content writers to prepare the content.
4. Make all of the content current and SEO-optimized.
5. Connect all of the pertinent posts together.
6. Switch the website server to a cheap VPS hosting that includes a CDN.
7. Remove all harmful backlinks and GSC-disavow them.
8. Make Contact with Bloggers About Guest Posts in Related Niche.
9. Employ HARO link-building strategies.
10. Export Every GSC Record to Boost Website Traffic.
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what are some ergonomic considerations for auditors?
Some ergonomic considerations for auditors include safety, comfort, efficiency in performance, and efficiency in productivity to name a few.
Who is an auditor?A professional who is involved in the scrutiny of the financial statements and records of an organization and the one who is responsible for verification of actual transactions with business records, is an auditor.
Hence, the significance of an auditor is aforementioned.
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You gave some clothes for. dry cleaning. Your suit was spoiled you went to the dry cleaner and made the compliant .
Answer:
Apart from the question words or the yes/no tags, a question can begin with auxiliary verbs like will, shall, can, etc.The word 'can' is specifically used to request or get permission for something.The word 'can' is joined by the subject and the main verb in the question.Questions beginning with 'can' are answered with a yes or no answer in short or expanded form'. Question: "Can I pay you later?"*Explanation:
what is the price of a two year bond with a 9% annual coupon and a yield to maturity of 8%
Based on the period of the bond, the coupon rate, and the yield to maturity, the price of the bond is $1,017.83.
How much does the bond sell for?This can be found as:
= Present value of coupon payments + Present value of par value
Coupon is:
= 9% x 1,000 par value
= $90
Note: When par value is not given, assume it is $1,000.
Price is:
= (90 / (1 + 8%)) + (90 / (1 + 8%)²) + (1,000 / (1 + 8%)²)
= 160.4938 + 857.3388
= $1,017.83
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State and explain 4 way by which a contruct
Can be discharged
MCQ: A firm’s marginal cost function, MC=2Q2+50Q and average total cost function, ATC=Q2+50Q+10000. How many units should they produce to achieve the lowest average cost?
They must produce 100 units to achieve the lowest average cost.
As we know that to achieve lowest average cost the average cost function and marginal cost function must be equal.
That is , MC=ATC
⇒ [tex]2Q^{2} + 50Q = Q^{2} + 50Q + 10000\\[/tex][tex]Q^{2}[/tex]
⇒ [tex]Q^{2} = 10000[/tex]
⇒ Q = 100
So , 100 units must be produced to achive lowest average cost.
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Which of the following actions would be an acceptable response by the Federal Reserve to an economic downturn?
O Decrease the reserve requirement
O Increase the reserve requirement
Raise the discount rate
Sell government securities
Answer:
Raise the discount rate
Explanation:
might be the answer
How do your listening behaviors change in the following situations: A) At a concert, B) In class, C) At the dinner table with your parents, D) In a doctor’s office? What are the distractions and other barriers to listening you might encounter in each setting? What might you do to overcome the barriers to effective listening in each situation?
A mic malfunctioned at a concert. In class, ambient noise. At the dinner table with your parents, the TV sounds. In a doctor’s office, another patient is shouting at the nurse.
What is listening?
The act of hearing language is referred to as "listening." recognizing speech sounds and turning them into words and phrases.
At a concert, the singer's mic volume is low enough that it creates a barrier in the listening process, but this is overcome by using a speaker. While the teacher is teaching the class, some students are playing in the hallway, which amplifies the sounds. The instructor then keep silence.
Children are preoccupied with watching TV during dinnertime and are not paying attention to their parents. The parents then unplug the TV. While discussing a patient's illness at a doctor's office, another patient is yelling at the nurse. The doctor then closes the door.
As a result, listening barrier create in various situations', but it's overcome.
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Anticipatory and response-based business models are the two ways used by firms to fulfill customer requirements. However, keeping in mind that there are fundamental differences amongst these two models, concentrate on the definitions and build on such differences to be able to fulfill the requirements of this learning engagement.
Anticipatory business model is the business type where everything is pre-defined and Response based business model is the one which have reduced the forecasting by joint planning.
What are types of business models?There are various kinds of business model, which business performs these days, it also depends upon the range of customers the business is dealing with. Some of the hem are-
Bundling model. ... Freemium model. ... Razor blades model. ... Product to service model. ... Crowdsourcing model. ... One-for-one model. ... Franchise model. ... Distribution model.Thus, both the business model concentrate on different things.
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The numbers of suitcases loaded onto various airplanes are an example of which type of data?
Answer:Volume
I think
Explanation:
How I cite in this paragraph
Despite several shortcomings GDP is commonly used as an indicator of social welfare. Most of the limitations are due to the fact that in essence the concept is not supposed to measure well-being. As a result, GDP fails to account for non-market transactions, wealth distribution, the effects of externalities, and the types of goods or services that are being produced within the economy. To compensate for these issues, different approaches to measuring welfare have been developed, including the Human Development Index (HDI), the Gross National Happiness Index (GNH), and the Social Progress Index (SPI).Raphael Zeder | Updated Jun 26, 2020 (Published Jan 28, 2015)
To site this paragraph, write:
Raphael Zeder, (2020). Limitations of GDP as an Indicator of Welfare. Quickonomics Logo. Updated Jun 26, 2020 (Published Jan 28, 2015).
What is the Limitations of GDP?There are a lot of limitations of GDP as used in welfare indicator they are:
GDP does not have any measures of welfare.GDP only have market transactions.Therefore, To site this paragraph, write:
Raphael Zeder, (2020). Limitations of GDP as an Indicator of Welfare. Quickonomics Logo. Updated Jun 26, 2020 (Published Jan 28, 2015).
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How do you calculate sales tax? How do you calculate a discount? Please explain and give examples. Thanks!
Sales tax is calculated using tax rate . Discount is calculated using the selling price and list price of the item .
How do you calculate sales tax?Add the tax rate to the cost of your good or service. If the tax rate is expressed as a percentage, convert it to decimal form by multiplying the result by 100. Then multiply this number using the formula below.
Find the list price and the tax rate.To obtain the tax rate as a decimal, divide the tax percentage by 100.To calculate tax, multiply the list price by the decimal tax rate.For the final price, multiply the list price by the tax rate.Ex. If you spend $400 on a new television and live in a region where sales tax is 7%, you would be required to pay $28 in sales tax. The total cost to you would be $428.
How do you calculate a discount?The price difference between an item's listed price (list price) and its selling price is known as the discount. Discount is therefore calculated as follows: Discount = List price - selling price.
Ex. A product may be discounted by $10 from its list price, which is equivalent to a 10% discount.
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if the present value of growing perpetuity is 214,the required rate of return is 10% and growth rate is 3%, what is cash flow in year1(round to nearest whole number) i
Answer:
15
Explanation:
PV= 214
rate of return 10%
(10+1)^1
11+3= 14
214/14= 15.2...= 15
how to write an effective persuasive claims and complaints message
An effective persuasive claims and complaints system starts with a real compliment, a factual description of the issue, or a point of agreement.
What are the Complaint messages?A complaint message is a message that details damage, defects, or blunders that occurred with the given items and requests reimbursement.
Thus, an effective complaints message starts with a real compliment, a factual description of the issue, or a point of agreement.
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14. All are the reasons for market segmentation except: A. buyers are too numerous B. buyers are too varied in their needs and buying practices C. buyers are too widely scattered by demographics D. capability of companies managerially and financially E. none of the above
The correct option is E). None of the above as rest of the options are reasons for market segmentation.
What is market segmentation?Market segmentation refers to process of dividing the broad market into sub groups on the basis of needs, priorities, common interest etc.
The main elements of the market segmentation are demographic, psychographic, behavioral, geographic, and firmographic segmentation.
Market segmentation allows to target the specific audience rather than targeting entire audience.
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One stores information is listed in the table below. Sales return $700 rent expenses $1,288 sales discount $950 depreciation expense $600 cost of merchandise sold $7,600 gross sales $20,900 advertising expense $1,650 salary expense $2,900 heat expense $900 Using this information calculate the stores net sale gross profit total operating expenses and net income
Sales Return -$700 Cost of merchandise sold- $7600
Rent Expenses- $1288 Gross sales- $20900
Sales Discount- $950 Advertising Expense- $1650
Depreciation Expense- $600 Salary expense- $2900
Heat expense- $900
Net sales occurs only when sales returns, allowances or any discounts is subtracted from company's gross sales.A) Net sales = Gross sales- return- sales discount
Net Sales= $20900- $700- $950 = $19,250
Company's revenue or sales subtract cost of goods sold or direct expenses.B) Gross profit= Net Sales- Cost of merchandise sold
Gross profit= $19,250- $7600 =$11,650
Expenses incure during normal business operations like rent, insurance etc.C) Total operating expenses= Rent+ Depreciation+ Heat+ Advertising+ Salary expense
Total operating expenses= $1288+ $600+ $1650+ $2900+ $900= $7,338
The amount which comes after deducting cost, allowances & taxes.D) Net income= Gross profit- total operating expenses
Net income= $11,650- $7338= $4,312
Hence, net sales is $19250, gross profit is $11650, total operating expenses is $7338, net income is $4312
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What is the current yield on a 3 year bond with 10% annual coupons, a par value of 100, and a current price of 107.87?
The Current Yield will be 27.55%
[tex]Current.Yield = \frac{Annual.Coupon.Payment}{Current.Bond.Price}[/tex]
Given in the question:
Annual coupon rate= 10%=0.1
Par value=100
time= 3 years
current value=107.87
To Find: Current Yield
What is current yield?
The current yield represents the bond's annual return based on a bond's current price and coupon payments. A bond's coupons payment divided by its current price is the formula for calculating current yield.
[tex]Current.Yield = \frac{Coupon.Payment}{Current.Bond.Price}*100[/tex]
Annual coupon payment = Par value * Annual coupon rate*time
⇒Coupon payment = 100*0.1*3
⇒Coupon payment=30
⇒ [tex]Current.Yield = \frac{30}{108.87}*100[/tex]
⇒ Current Yield=27.55%
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5. One-year interest rates are 2% in the U.S. and 5% in Canada. “Jackie the carry trader” borrows $3,000,000 to execute a carry trade. At the start, the exchange rate is $.881/CAD. After one year, the exchange rate is $.865/CAD
A. What is Jackie’s USD profit or loss over the year?
B. When Jackie starts this trade, she is hoping that the Canadian dollar doesn’t ______________.
C. When Jackie starts this trade, she is hoping that the USD doesn’t
______________.
D. What is the BEEX in one year? (place in terms of USD/CAD to 4 decimal places)
A)
Firstly convert $3000000 into CADSo, CAD is 3405221.33938
Invest CAD in Canada 5% for 1 yearIn t= 1yr realize canadian investment with interest so, CAD on maturity= CAD 3405221.33938 (1+ 0.05)
= CAD 3575482.40634
Again now convert CAD into US $ so, equivalent US $ realised on conversion = CAD 3575482.40634 * $0.865/ CAD= $ 3092792.28148
US repayment = $ 3000000*(1+ 0.02)= $ 3060000
That's why,
Profit over the year = $3092792.28148- $3060000
= $32792.28148
B) doesn't depreciates relative to USD
C) appreciates relative to Canadian dollar
D) BEEX = US$ borrowings to be repaid with interest/ CAD realized with interest on maturity
= $3060000/ CAD 3575482.40634
= 0.8558
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On a per unit basis economic profit can be determined as the difference between?
A 15-year annuity pays $2,220 per month, and payments are made at the beginning of each month. If the interest rate is 10 percent compounded monthly for the first six years, and 6 percent compounded monthly thereafter, what is the present value of the annuity?
The present value of the annuity is $304,744.04.
What is an annuity?An annuity is a periodic fixed amount of money that is received periodically.
An annuity is usually a long-term insurance product that provides guaranteed income.
Formula for Present Value of Annuity:PV = P \times \frac{1 - (1 + r)^{-n}}{r}
PV = present value of an ordinary annuity
P = value of each payment
r = interest rate per period
n = number of periods
Data and Calculations:N (# of periods) = 72 (12 x 6)
I/Y (Interest per year) = 10%
PMT (Periodic Payment) = $2,220
FV (Future Value) = $0
Results:
PV for 6 years = $119,832.64
Sum of all periodic payments $159,840.00
Total Interest $-40,007.36
PV for 9 years = $184,911.40
Sum of all periodic payments = $239,760 ($2,220 x 108)
Total Interest $54,848.6
Total PV for 15 years = $304,744.04 ($119,832.64 + $184,911.40)
Thus, the present value of the annuity is $304,744.04.
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. Suppose you are given a privilege to choose between Capitalism and Socialism as an economic system to be followed in Ethiopia. Which do you choose? Support your answer with at least five justifications.
The system that would be chosen between Capitalism and socialism is capitalism.
Why Capitalism is chosen over socialismThe people of the nation have the right to make economic choices based on production.The demand and the supply of goods are rested in the hands of the people instead of the government.It allows for private ownership of properties unlike socialism.It encourages the people to be innovative as well as efficient.It provides for growth and freedom in the economy.Read more on capitalism here:
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There are three types of unemployment: frictional, structural, and cyclical. Which one is the worst for workers and what could they do to avoid it? Explain
Answer:
Over time, the economy experiences many ups and downs. That's what we call cyclical unemployment because it goes in cycles. Cyclical unemployment occurs because of these cycles. When the economy enters a recession, many of the jobs lost are considered cyclical unemployment.
For example, during the Great Depression, the
Answer:
Structural Unemployment is the most common type of unemployment. It is also the worst type of unemployment. Since it is caused by forces other than the business cycle, it is more permanent in nature compared to other types of unemployment.
Explanation:
Economists primarily focus on three types of unemployment: cyclical, frictional, and structural.
Explain the meaning of balance of trade.
[tex]\huge\purple{Hi!}[/tex]
balance of trade, the difference in value over a period of time between a country’s imports and exports of goods and services, usually expressed in the unit of currency of a particular country or economic union (e.g., dollars for the United States, pounds sterling for the United Kingdom, or euros for the European Union). The balance of trade is part of a larger economic unit, the balance of payments (the sum total of all economic transactions between one country and its trading partners around the world), which includes capital movements (money flowing to a country paying high interest rates of return), loan repayment, expenditures by tourists, freight and insurance charges, and other payments.If the exports of a country exceed its imports, the country is said to have a favourable balance of trade, or a trade surplus. Conversely, if the imports exceed exports, an unfavourable balance of trade, or a trade deficit, exists. According to the economic theory of mercantilism, which prevailed in Europe from the 16th to the 18th century, a favourable balance of trade was a necessary means of financing a country’s purchase of foreign goods and maintaining its export trade. This was to be achieved by establishing colonies that would buy the products of the mother country and would export raw materials (particularly precious metals), which were considered an indispensable source of a country’s wealth and power.
The assumptions of mercantilism were challenged by the classical economic theory of the late 18th century, when philosophers and economists such as Adam Smith argued that free trade is more beneficial than the protectionist tendencies of mercantilism and that a country need not maintain an even exchange or, for that matter, build a surplus in its balance of trade (or in its balance of payments)
Hi,
I lead the Customer Support Team for the magazines category. Customer questions for one vendor have increased since the start of the promotional campaign. The campaign ended two months ago, but we are still getting many questions.
Can you help us understand why? The vendor’s performance metrics are below.
Thank you,
Carlos Henderson
Customer questions for one vendor have increased with the promotional campaign because it doesn't meet the customer satisfaction in terms of :
product satisfactionQualityCommitment to feedbackWhy do companies get so much question after promotional campaign ?Promotional campaign were to sensitize the potential customer about a particular product from a company so as to attract them to make a purchase.
However, this campaign should be able to tell more about the product up to some extent that they will get convinced about the product, failure of this will make the potential customer to inquire more out of doubt about the product and this will show in the Vendor performance metrics.
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Discuss whether or not an increase in the wage rate paid to chefs will encourage more
people to become chefs.
Answer:
obviously increase in which rate of chips will encourage more people to become chef
Explanation:
but as perlot of demand is supply of chef increase more than demand of chips there will be not reduction in wages of chef till were will be equilibrium
Answer:
Yes it might make more people want to be chefs but some people do it not for money but for their love of cooking.
Explanation:
