Tasks are rescheduled during execution as needed to meet requirements. Documents are preserved for future use during the finalizing phase.
A project's completion is what?All deliverables are now complete and properly transferred, and all supporting documentation has been authorized, signed, and preserved.
Describe the finalization procedure.Finalization of accounts denotes that the account books have been reviewed, reconciled, and found to be accurate, flawless, and correct. The end of the year is often when the books of accounts are closed.
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people enjoy water skiing and surfing equally well in the macro islands. if the price of water skis increased drastically, how would the ski rope market be affected? demand / supply / price / quantity
The ski rope market will be affected as: Decrease in demand, No Change in supply, Decrease in price and Decrease in quantity.
The market refers to the entire population of buyers and sellers in the region or area under consideration. The topic could be Earth as well as different countries, states, regions, and cities. The market forces of supply and demand determine the value, cost, and cost of the goods traded.
One could refer to the process as a market in which the prices of goods and services are determined. With the help of markets, trade can be facilitated as well as resources can be distributed and allocated in a society.
Every tradable good can be evaluated and priced thanks to markets. A market either more or less naturally develops or may be purposefully created through human interaction in order to facilitate the exchange of rights.
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joe works for a publicly owned apparel company. he does not own stock in the company and often feels that his work only benefits the owners. this is an example of
Joe works for a publicly owned apparel company, he does not own stock in the company and often feels that his work only benefits the owners, this is an example of Employee owner separation.
What is employee owner separation?Employee separation constitutes the final stage in the staffing process of an organization. An employee can leave the organization for any reason that he deems fit for seeking separation. However, separation is classified basically into two types. These are voluntary separation and involuntary separation.
Voluntary separation refers to the separation of employees on their request, while involuntary separation means the separation of employees for organizational reasons which are beyond the control of the employees.
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during the progressive era, numerous products utilized the image of the statue of liberty as a sales device. question 3 options: true false
The statement during the progressive era, numerous products utilized the image of the statue of liberty as a sales device is true because it was used as a sign of progess.
This type of liberty could be described as "negative," as it only seeks to remove constraints on individual choices. Progressives considered this type of liberty to be too sales limited. One of the main goals of the Progressive Era movement was to eliminate corruption in government.
They made it a point to Progressives family, education, and many other critical aspects that are still enforced today. These reformers advocated for civil service reform, food safety laws, and increased political rights for women and American workers.
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Journalize the earning of service revenue 60 000 on account and $45 000 in cash
To journalize the earning of service revenue on account and in cash, we need to record the transactions in the general journal using the double-entry accounting system. This means that for every transaction, there will be a debit and a credit entry. The journal entries will be as follows:
Journalize the earning of service revenue on account:
Debit: Accounts Receivable - $60,000
Credit: Service Revenue - $60,000
Journalize the earning of service revenue in cash:
Debit: Cash - $45,000
Credit: Service Revenue - $45,000
Explanation:
In the first journal entry, we are recording the earning of service revenue on account. This means that the customer will pay for the services at a later date. Therefore, we debit accounts receivable to increase the asset account and credit service revenue to increase the revenue account.
In the second journal entry, we are recording the earning of service revenue in cash. This means that the customer has paid for the services immediately. Therefore, we debit cash to increase the asset account and credit service revenue to increase the revenue account.
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cass corporation reported pretax book income of $9,960,000. during the current year, the reserve for bad debts increased by $257,500. in addition, tax depreciation exceeded book depreciation by $347,500. cass corporation sold a fixed asset and reported book gain of $121,500 and tax gain of $166,500. finally, the company received $324,000 of tax-exempt life insurance proceeds from the death of one of its officers. compute the company's current income tax expense or benefit.
We must take into account the variations between book income and taxable income in order to determine the current income tax expense or benefit for Cass Corporation.
First, the increase in the bad debt reserve will result in a $257,500 drop in taxable revenue.
Second, the excess of tax depreciation over book depreciation will result in a $347,500 rise in taxable income.
Third, the difference between the fixed asset's book gain and tax gain on sale will reduce taxable income by $166,500 - $121,500 = $45,000.
In all, these adjustments will result in taxable income of $10,325,000 ($9,960,000 - $257,500 + $347,500 - $45,000 + $324,000).
Based on the taxable income and the applicable tax rate, the current income tax expense or benefit can then be computed. However, it is impossible to calculate the precise income tax expense or benefit without knowing the tax rate and other particulars of Cass Corporation's tax situation.
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How did workers respond to poor working conditions?
Throughout history, workers have responded to poor working conditions in various ways. One common response has been to form unions and engage in collective bargaining with employers to demand better pay, benefits, and working conditions.
Unions have often used strikes and other forms of direct action to pressure employers to make concessions. In some cases, workers have also turned to government intervention, either through the legislative process or through the courts, to improve working conditions. This has led to the development of labor laws and regulations that set minimum standards for things like hours, wages, and workplace safety. Individual workers have also responded to poor working conditions by seeking out other employment opportunities, either with other employers or in other industries altogether. Some workers have also engaged in acts of sabotage or other forms of direct action to protest poor working conditions, although these methods are generally less effective than collective action. Overall, the response of workers to poor working conditions has been varied and complex, and has evolved over time as the balance of power between employers and employees has shifted.
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debbie has $4,000 in an account. the interest rate is 15% compounded annually. to the nearest cent, how much interest will she earn in 2 years?
To calculate the interest earned by Debbie in 2 years, we can use the formula for compound interest:
A = P(1 + r/n)^(nt)
where:
A = the amount of money after t years
P = the principal amount (initial investment)
r = the annual interest rate (as a decimal)
n = the number of times the interest is compounded per year
t = the number of years
In this problem, P = $4,000, r = 15% = 0.15, n = 1 (compounded annually), and t = 2. So, we can plug these values into the formula and solve for the amount of money after 2 years:
A = $4,000(1 + 0.15/1)^(1*2) = $6,225
The interest earned by Debbie is the difference between the amount of money after 2 years and the initial investment:
Interest = $6,225 - $4,000 = $2,225
Rounding this to the nearest cent gives:
Interest = $2,225.00 (to the nearest cent)
Therefore, Debbie will earn $2,225.00 in interest over 2 years.
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One of the basic frameworks used to describe how environments affect organizations is(A) influence group pressure.(B) environmental change and complexity.(C) regulatory pressure.(D) situational diversity.(E) regulatory contingency.
One of the basic frameworks used to describe how the environments affect organizations is environmental change and complexity. Hence option (B) is the answer.
How do changing environments affect organizations?When the environment changes, the organization that operates there must frequently adjust as well. Environmental uncertainty is the degree of complexity and change in the surroundings of an organization. Legal, technological, sociocultural, and other restrictions are imposed on organizations by the environment. Stability, complexity, resource scarcity, and uncertainty are the four factors that best explain the type of change that occurs in the environment.
Almost any component of a business operations that is changed may encounter opposition, and various cultures may respond in different ways to the change itself and the methods used to implement it. Over time, a company's external environment changes. This situation is very complicated and varied as well.
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a(n) compares the cost of purchasing a given market basket in a given year to the cost of purchasing the market basket in the base year.
The Consumer Price Index (CPI) is a gauge of how prices for a market basket of consumer goods and services have changed on average over time for urban consumers.
How can the level of prices be determined using a market basket?The performance of a certain market or segment is tracked by a market basket, which is a carefully chosen combination of products and services. A well-known market basket is the Consumer Price Index (CPI), which offers an estimate for inflation based on the typical change in price paid for a certain basket of products and services over time.
What degree helps to measure the consumer price index?Retail inflation, The consumer price index (CPI), as it is more popularly known, is a tool used to track retail inflation by gathering data on price changes for the majority of everyday products and services.
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draw and describe the customer benefit package that zappos provides. goods? services? digital content? who manufacturers the physical goods? who is responsible for the quality and delivery of the physical goods?
The "Deliver Wow via Service" customer benefit package is one of the services that Zappos offers to its clients who place orders with them.
What exactly does Zappos offer in terms of benefits?Customers at Zappos can purchase shoes and accessories, and they also have access to free shipping, returns, and a 365-day return policy. They also have customer care specialists who have undergone extensive training. The main source of value creation for Zappos is shoes, which are their core product.
In Zappos, who is accountable for the physical goods' delivery and quality?Even though the company offers products made by other companies, Zappos is solely accountable for their quality. Delivery of items, order fulfillment, and customer service via call centers are among Zappos' main management operations.
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your client wants to provide his spouse with $6,000 of additional income adjusted for inflation, paid at the beginning of each month, for 30 years after his death. he wants to use up the entire amount of principal and interest during that period. he expects 3% inflation and 7% net interest on savings and wants the income to be adjusted annually for inflation. assuming he dies today, how much additional life insurance is required to fund this need?
Assuming he dies today, 1,278,760 much additional life insurance is required to fund this need
In simple interest, what are the principal and interest?The first amount invested or borrowed for a loan is known as the principle. Interest rate: The percentage of the principal that is added to the principal at every interval is known as the interest rate. Fixed interest, variable interest, annual percentage rate, prime interest rate, discounted interest rate, simple interest, and compound interest are the most common types of interest.
The fee you pay to borrow money or the fee you charge to lend money is called interest. The most common way to represent interest is as a yearly percentage of the loan amount. The interest rate on the loan is known as this percentage.
BEG mode (SHIFT, MAR), the keystrokes would be
30 × 12 = 360, N;
1.07 ÷ 1.03 = 1.0388 - 1
= .03833 × 100
= 3.8835 ÷ 12
=.3236, I/YR; 6,000, PMT,
and solve for PV = 1,278,760.
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debra notes that theo chocolate has started holding its own operations to the same imo standards of fair trade to which it holds its suppliers. this type of behavior encourages more ethical decision-making by
This type of ethical leadership sends a powerful message to employees and/or customers.
Ethical leadership is leadership based on ethical beliefs and values and respect for the dignity and rights of others. It is therefore associated with terms such as trust, honesty, consideration, charisma and fairness.
Ethics deals with the types of values and morals that an individual or society deems desirable or appropriate. Furthermore, ethics deals with the virtues of individuals and their motives.
Leadership decisions are also influenced by moral development. According to social learning theory, ethical leaders act as role models for their followers.
Behaviors such as following ethical practices and making ethical decisions are observed and consistently adhered to.
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Complete question:
Debra notes that Theo Chocolate has started holding its own operations to the same IMO standards of fair trade to which it holds its suppliers. This type of ________ sends a powerful message to employees and customers.
write a 1-2 paragraph response.
The tough terrain of Central Asian countries
made it difficult for people to settle certain
areas. In the past, these difficulties often
lead to clashes as people began to fight over
resources. In today's political landscape, fights
over resources can be resolved diplomatically as
various governments work to share resources in
peaceful ways. How can governments provide a
more moral and equitable approach to resource
sharing, as opposed to the localized fighting and
clashes of the past?
Based on conflict resolution strategy and allocation of resources, the moral and equitable approach to resource sharing, as opposed to the localized fighting and clashes of the past is through Autonomy.
What is Autonomy in resource sharing?Autonomy is a term that is used to allow ethnic or other groups that claim a distinct identity to exercise direct control over affairs of special concern to them while allowing the larger entity to exercise those powers that cover common interests.
Generally, Autonomy helps to restructure the state to accommodate cultural and ethnic diversity. Also, It is often assumed that conflicts can be prevented or mediated by restructuring the state and official policies.
Autonomy helps to recognize personal laws and other forms of pluralism.
It also helps to recognize minorities and indigenous people.
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a constant-cost, perfectly competitive gadget industry is in long-run equilibrium. a decrease in the number of consumers of gadgets will most likely result in
The correct option is A.
A) a decrease in the price of gadgets.
Consider a market where gadgets are sold, where the equilibrium price is $6 and the equilibrium quantity is 500. The gadget demand curve will shift to the left, increasing the equilibrium price while decreasing the equilibrium quantity. The equilibrium number of devices will be unknown if both modifications in parts c and d take place concurrently. Tin is a key component in the creation of devices, therefore an increase in tin prices will increase production expenses, which would ultimately drive up the price of gadgets on the market. Although the cost of new technology first consumes a large portion of discretionary income, costs eventually tend to drop significantly. There are several factors to explain.
The complete question is :
A constant-cost, perfectly competitive gadget industry is in long-run equilibrium. a decrease in the number of consumers of gadgets will most likely result in
A. a decrease in the price of gadgets.
B. an increase in the number of firms producing gadgets.
C. an increase in the price of gadgets.
D. no change in the equilibrium price of gadgets.
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broker clara is handling an adverse claim regarding a disbursement. after she notifies the frec in writing of this dispute, she opts to seek a court's adjudication of the matter. this is called .
Each buyer and the seller made opposing claims to the good-faith deposit to the broker. The broker made an unsuccessful attempt to settle the dispute.
How soon must the broker inform court Frec that the situation has been resolved?How soon must the broker inform with FREC that the situation has been resolved? 10 business days is the answer. Brokers are required to inform the FREC of their request for an EDO between 10 business days if the insurance dispute is resolved or is taken to court that before EDO is issued.
Where lengthy does such a licensed have to send a written notice to the commission if their home address changes outside of Alabama?According to Section 34-27-35(h) of the Alabama Code, "each applicant notifies the council in written of just about any alteration of his or his business address inside 30 days of the change."
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ted catering received $1,200 cash in advance from a customer for catering services to be provided in three months. determine the general journal entry that ted catering will make to record the cash receipt.
A journal entry is a record of a business transaction in your accounting book/noted. Double-entry bookkeeping creates at least two journal entries for each/every transaction.
Journal entry account and explanation Debit credit
Cash 1200
Unearned catering revenue 1200.
Since one transaction can bring many changes to a company, an accountant keeps track of them all in his entries in the journal.
An example of access to journals is when you purchase a machine from us. In this case, the machine account can be debited and the cash account can be credited.
An example of a journal is a journal where you write about things that are happening to you or that you have questions about. An example of a journal is the New England Magazine of Medicine, which publishes new research that may be relevant to physicians and medicines.
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Complete question:
Ted Catering received $1,180 cash in advance from a customer for catering services to be provided in three months. Determine the general journal entry that Ted Catering will make to record the cash receipt. Assume the company's policy is to initially record prepaid and unearned items in balance sheet accounts.
identify the principle characteristic of an entrepreneur.
An entrepreneur is characterized by their willingness to take risks and their ability to identify and pursue opportunities to create the new ventures or innovate within existing ones.
What is an entrepreneur?An entrepreneur is someone who identifies an opportunity to create or innovate a product, service or business, and takes the necessary risks to bring it to market. They are characterized by their vision, creativity, resilience, and determination to succeed. Entrepreneurs come from all walks of life, and their businesses can range from small-scale startups to large corporations. They are often driven by a desire to solve a problem, improve a service or product, or simply create something new. Successful entrepreneurs are able to manage their finances, build a strong team, develop a marketing strategy, and adapt to changing market conditions. They are a driving force in economic growth, job creation, and innovation.
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Answer:
A tendency towards self-discipline
Explanation:
under what conditions would it be advisable to use a strong matrix instead of a dedicated project team?
The concept is a Matrix organization. It is an organization that has more than one form of governance.
When the organization cannot afford to employ people full-time and the organizational culture supports a dual power structure. When the organizational culture supports a dual power structure
Matrix Organization is an organizational structure in which some individuals report to more than one manager or managerial relationship—relationships known as ongoing or dotted relationships.
Dedicated Design Teams are recommended when:
They only see it from the point of view of what is best for the implementation of the project; would be recommended when the organizational culture does not support collaboration or innovationA strong matrix is recommended when an organization cannot afford to have staff working full-time on a project and the organizational culture supports a dual power structure. Characteristics of the matrix organization include:
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at the beginning of the year, a company estimates total overhead costs of $1,278,720. the company applies overhead using machine hours and estimates that it will use 2,960 machine hours during the year. what amount of overhead should be applied to a job that uses 25 machine hours that year? multiple choice $10,800. $2,700. $5,400. $8,640. $8,100.
The correct answer is $10,800. To determine the amount of overhead that should be applied to a job that uses 25 machine hours, we need to use the predetermined overhead rate.
The predetermined overhead rate is calculated by dividing the estimated total overhead costs by the estimated total machine hours.
Predetermined Overhead Rate = Estimated Total Overhead Costs / Estimated Total Machine Hours
Plugging in the given values, we get:
Predetermined Overhead Rate = $1,278,720 / 2,960 machine hours
Predetermined Overhead Rate = $431.89 per machine hour
Now, to find the amount of overhead that should be applied to a job that uses 25 machine hours, we simply multiply the predetermined overhead rate by the actual number of machine hours used:
Overhead Applied to Job = Predetermined Overhead Rate x Actual Machine Hours
Overhead Applied to Job = $431.89 per machine hour x 25 machine hours
Overhead Applied to Job = $10,797.25 or approximately $10,800
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an aviation company learns it may be the target of a hostile takeover. the company decides to allow stockholders to buy more shares of stock at prices lower than the current market value. this technique is referred to as a
The correct option is B. This technique is referred to as a Poison pill.
Stockholders are individuals or entities who own shares in a corporation or company, which represents ownership in that particular company. They are also referred to as shareholders or equity holders. These shares are traded in the stock market and represent a portion of the company's profits and assets.
In economics, stockholders are considered an important component of the overall structure of a corporation or company. They provide capital for the business, which allows it to operate and grow. In return, stockholders receive dividends based on the company's performance and the value of their shares in the stock market.
Stockholders also have a significant influence on the company's operations and strategic decisions. They elect the board of directors and vote on key decisions, including mergers, acquisitions, and changes to the company's bylaws.
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Complete Question:
An aviation company learns it may be the target of a hostile takeover. The company decides to allow stockholders to buy more shares of stock at prices lower than the current market value. This technique is referred to as a
A). leveraged buyout.
B). poison pill.
C). white knight.
D).tender offer.
successful firms focus their efforts on satisfying customer needs that
Successful firms recognize that satisfying customer needs is a key to their success.
What should be done to meet the customer needs?By focusing on the customer, firms can create products and services that better meet the needs and preferences of their target market. This, in turn, can lead to higher customer satisfaction and loyalty, which can translate into increased sales, profits, and market share.
Customer service is also an essential component of satisfying customer needs. By providing high-quality customer service, firms can build customer loyalty and increase customer satisfaction. This may involve investing in training and development for customer-facing staff, providing easy and efficient ways for customers to contact support, and actively listening to and responding to customer feedback.
Successful firms may also use customer data to personalize their marketing and sales efforts. By analyzing customer data, firms can identify customer preferences and tailor their marketing messages and sales offers accordingly. This can result in higher conversion rates and customer retention rates.
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gavin has brown hair and green eyes, he is outgoing and a risk taker, and he excels at his job as a financial analyst. all of these traits are part of his:
The characteristics or personality of Gavin include things like his brown hair and green eyes, his outgoing nature, his willingness to take risks, and his success as a financial analyst. Individual traits are distinctive qualities that set one person apart from another.
Examples include physical characteristics, attitudes, beliefs, and values. They can affect a person's behavior, thoughts, and interactions with others, as well as their performance in a variety of spheres of life, including the workplace.
Therefore, Gavin's personality traits are a part of who he is as a person. These traits may affect how he approaches his work as a financial analyst and how he interacts with others in that setting. For instance, his gregarious and reckless nature may make him more at ease.
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why do the hard-core punks tolerate the preppie punks? a. the preppies provide financial support. b. the preppies run errands for them. c. the preppies show them respect.
The correct answer is a. the preppies provide financial support.A shareholderThose who work primarily in the fields of venture capital, corporate finance, investment banking, mergers and acquisitions,.
The leveraged buyouts, and large-scale asset management frequently facilitate or directly provide investments to start-ups and established companies. The process benefits financial support financiers when their investment is repaid with interest,[10] when a portion of the company's stock is assigned to them in accordance with the terms of the business contract, or when they receive commission, performance, or management fees. A financier can also help to the success of a financed endeavour by letting the company profit from the financier's reputation. The greater the financier's impact on the funded organization's success.
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"We apologize, but your tax return processing has been delayed beyond the normal timeframe" it means _____
"We apologize, but your tax return processing has been delayed beyond the normal timeframe" it means default revenue services of country and when your return is likely to take more than the standard day refund processing timeline.
The tax return is the amount of money return when individual suppose to submit the income tax department of country.
We apologize, but your tax return processing has been delayed beyond the normal timeframe" it means default revenue services of country and when your return is likely to take more than the standard day refund processing timeline. If you made math errors or forgot to sign your return or include your Social Security number.
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charity a and charity b are affiliated entities. an accountant for charity b is paid $10,000 per month, which is equal to the fair value of the services rendered. the accountant for charity a quits. the accountant from charity b is sent to work with charity a for two months. charity a pays nothing for this service. what journal entry should charity a record for this work?
Journal entry should charity a record for this work is:
Debit: Accounts Payable (Charity B) $20,000
Credit: Service Revenue (Charity A) $20,000
The journal entry for Charity A would be:
Debit: Professional Fees Expense 10,000
Credit: Accounts Payable 10,000
This journal entry represents the recording of the professional services provided by Charity B’s accountant. The Professional Fees Expense is debited to recognize the cost of the services rendered, while the Accounts Payable is credited to show that Charity A now owes Charity B $10,000 for the services rendered.
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suppose that the economy is in long-run equilibrium. if the price level and real gdp both decline simultaneously and those changes were caused by only one curve shifting, then those changes are best explained as a result of:
If the economy is in long-run equilibrium, any concurrent reduction in the price level and real GDP might be explained by a shift to the left in the aggregate demand curve.
Which would result in a decrease in both the price level and real GDP. This shift in the aggregate demand curve might be driven by a number of variables, including a drop in consumer confidence, a drop in government expenditure, or a drop in exports as a result of changes in global economic conditions. Any of these causes might induce a drop in aggregate demand, resulting in a shift to the left in the aggregate demand curve, a drop in the price level, and a drop in real GDP. Another possibility for a simultaneous reduction in the price level and real GDP is a drop in both. GDP might be a rightward shift in the aggregate supply curve, resulting in a lower price level and a rise in real GDP. This situation, however, would not result in both variables declining at the same time, making it less plausible in the context of this topic.
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jessie has $4,000 in a bank account, $2,800 in a 401(k) plan at work, a car with a current value of $28,000, and a house that she purchased for $92,000 that has a current value of $118,000. the current balance of her home mortgage is $81,000, she has one credit card with a $3,000 balance, and a student loan with a balance of $6,000. what is jessie's current net worth?
Throughout the past 65 years, financial innovation has provided American households with a constantly expanding range of financial options from a growing number of companies, along with a sometimes overwhelming amount of information.
Consumer finance has also grown more and more into a "do it yourself" activity (Ryan, Trumbull, and Tufano, 2010). In addition to choosing from a variety of credit instruments to pay for everything from a home purchase to short-term cash needs, households are expected to take on a larger degree of responsibility for their financial well-being in general. The kind of insurance policy and the coverage it provides should be mentioned in a financial strategy for asset protection.
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when performing forecasting with a moving average, what will be the impact of a larger k value on a plot of the time series?
When performing forecasting with a moving average, Option C: A larger k value will cause less jitter - but greater latency - in the time series.
The simple mean of the most recent "n" data is the rolling average or moving average. It can assist us in identifying tendencies that might otherwise be difficult to find. They can also be employed to identify long-term patterns. The rolling average can be calculated by adding together the previous 'n' values and dividing them by 'n'. Option C: A larger k value will result in less jitter - but greater latency - in the time series when performing forecasting with a moving average.
The dataset's numerous patterns can be seen over time using the Time Series Plot. Data in these issues is time-ordered and subject to change depending on the unit of time taken into account in the dataset (day, month, seconds, hours, etc.). So, we employ the rolling average approach to create the time series graphic in order to clearly derive value from the data.
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Complete question is:
When performing forecasting with a moving average, what will be the impact of a larger k value on a plot of the time series?
The choice of k value is arbitrary, so there will be no noticeable impact on the time series when it is plotted when the k value becomes larger.
A larger k value will cause more jitter -- but less latency -- in the time series.
A larger k value will cause less jitter -- but greater latency -- in the time series.
When the time series is plotted, the line will become smoother as the k value grows larger.
you need a 35-year, fixed-rate mortgage to buy a new home for $310,000. your mortgage bank will lend you the money at an apr of 6.05 percent for this 420-month loan. however, you can only afford monthly payments of $1,500, so you offer to pay off any remaining loan balance at the end of the loan in the form of a single balloon payment. how large will this balloon payment have to be for you to keep your monthly payments at $1,500? (do not round intermediate calculations and round your answer to 2 decimal places, e.g., 32.16.)
The balloon payment at the end of the loan would have to be $72,032.57 for the borrower to keep the monthly payments at $1,500.
To calculate the balloon payment, we first need to calculate the monthly payment on the loan using the given loan amount, loan term, and APR:
Loan amount = $310,000
Loan term = 35 years (420 months)
APR = 6.05%
Monthly interest rate = APR ÷ 12 = 0.0605 ÷ 12 = 0.005042
Monthly payment = P × (r × (1 + r)ⁿ) ÷ ((1 + r)ⁿ - 1)
where P = loan amount, r = monthly interest rate, and n = number of months
Substituting the given values, we get:
Monthly payment = 310000 × (0.005042 × (1 + 0.005042)⁴²⁰) / ((1 + 0.005042)⁴²⁰ - 1) = $1,778.09
This monthly payment is higher than the maximum monthly payment the borrower can afford, which is $1,500. Therefore, the borrower proposes to pay off the remaining loan balance in the form of a single balloon payment at the end of the loan.
Let B be the balloon payment at the end of the loan. Then the loan balance at the end of the 420th month would be:
Loan balance = P × (1 + r)ⁿ - (Monthly payment × (((1 + r)ⁿ - 1) ÷ r)) + B × (1 + r)ⁿ
where P = loan amount, r = monthly interest rate, n = number of months, Monthly payment = $1,500, and B = balloon payment
Substituting the given values, we get:
B = 310000 × (1 + 0.005042)⁴²⁰ - (1500 × (((1 + 0.005042)⁴²⁰ - 1) ÷ 0.005042)) + B × (1 + 0.005042)⁴²⁰
Solving for B, we get:
B = $72,032.57
Therefore, the balloon payment at the end of the loan would have to be $72,032.57 for the borrower to keep the monthly payments at $1,500.
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which of the following will increase the expected risk premium for a security, all else constant? i. an increase in the security's expected return ii. a decrease in the security's expected return iii. an increase in the risk-free rate iv. a decrease in the risk-free rate question 7 options: a) i only b) iii only
The difference between the anticipated return on a security and the risk-free rate is known as the expected risk premium. The projected risk premium for a securities would rise under options I and (iii), whereas it would fall under options (ii) and (iv).
According to option I a rise in the security's anticipated return would lead to a rise in anticipated risk premium since the gap between the anticipated return and the risk-free rate would widen. As a result, choice I is accurate. On the other hand, option (ii) claims that a decrease in the security's anticipated return would result in a lower anticipated risk premium because the gap between the anticipated return and the risk-free rate would be less. Option (ii) is therefore erroneous. According to option (iii), an increase in the risk-free rate would result in a higher projected risk premium since it would increase the opportunity cost of investing in risk-free assets and the compensation needed to hold risky assets. Thus, choice (iii) is accurate.
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