In finance and economics, interest is payment from a borrower or deposit-taking financial institution to a lender or depositor of an amount above repayment of the principal sum, at a particular rate. It is distinct from a fee that the borrower may pay the lender or some third party.
Our interests are the activities that we enjoy doing and the subjects that we like to spend time learning about. of interest. If something is of interest, it holds your attention and makes you want to learn more about it. Nothing much of interest was discussed.
FV = 1500*1.0292 + 600*1.029 = 2,205.66
2. Value of perpetuity after 5 years = 500/.09 = 5,555.56
PV of the above = 5,555.56/(1.095) = 3610.73
3. PV = 39000, Y = 1%, N = 60, FV = 0
Monthlly payments = 867.53 (use financial calculator or PMT function in excel)
4. IRR = 20400/15000 - 1 = 0.36 or 36%
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A dental assistant earns $14 per hour. based on a standard workweek of 40 hours with time and a half for overtime, her gross pay for working 45 hours is:_________
A dental assistant earns $14 per hour. Based on a standard workweek of 40 hours with time and a half for overtime, her gross pay for working 45 hours is $595.
How to calculate the gross pay?
We are given that for 40 hours $14 per hour is paid. The overtime hours are paid half the price for each hour.
That means, for working 45 hours, dentist will get
$14 per hour for 40 working hours and $7 per hour for other overtime hours (5 hours here).
Hence,
[tex](40\times 14)+(5\times 7)\\560+35\\595\\[/tex]
The net gross income is $595.
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Which industrialist successfully adopted the bessemer process, revolutionizing the american iron industry by enabling the cheap and efficient mass production of steel?.
Andrew Carnegie industrialist effectively adapted the Bessemer process, revolutionizing the American iron industry by enabling the cheap and efficient mass production of steel.
The Bessemer Process was the first low-cost industrial process that allowed for the mass production of steel. Before the invention of an open-mouth furnace, melting the iron was accomplished using the molten pig iron. The actual distinction in this method was the introduction of air to purge impurities from the molten iron.
Mass production is the process of producing standardized goods in huge quantities, frequently with the aid of automation or assembly lines. The efficient creation of several identical products is made possible by mass production.
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Interest payable, income tax payable and salary payable are all examples of _______.
Those are all examples of liabilities. To be more specific, they are current liabilities. Interest payable, income tax payable, and salary payable are obligations that must be paid of within one operational cycle, thus they are just current liabilities.
Current liabilities are debts that must be paid off within a year or one operational cycle, whichever comes first. They can also be paid off using current assets or generate new current liabilities.
Analysts, accountants, and investors assess a firm's payables to determine how effectively it can fulfill its short-term financial obligations thus, the firm basically needs to generate sufficient profits and money in the immediate term to meet its debt commitments.
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A new custom channel group may be applied retroactively to organize data that has been previously collected. True or false?.
To organize data that has already been gathered, a new custom channel group may be used retrospectively. The statement is true
Channel Groupings are divisions of your traffic sources depending on rules. Your data is categorized using the Default Channel Grouping, which is a collection of the most prevalent traffic sources, including Paid Search and Direct, across all Analytics reports.
For a collection of channels, the channel group object specifies the incoming and outgoing properties. The user can define a set of attributes, such as IP profiles, routing tables, translation tables, etc., to be assigned to the particular channel group being configured using the Channel Group object. For a list of qualities that can be given to the channel group being configured, see the Field Descriptions section below.
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It is not important to determine who is a taxpayer’s dependent because taxpayers are not allowed to claim a deduction for dependents. True or false?.
" It is not important to determine who is a taxpayer’s dependent because taxpayers are not allowed to claim a deduction for dependents."
The given statement is True.
Determining and accurately determining the number of dependents is an essential part of completing a taxpayer's tax return. The deduction of personal and dependent exemptions is suspended for tax years 2018 to 2025 under the tax relief and employment law.
While the amount of the relief is nil, the ability to claim dependents can make taxpayers eligible for other tax benefits. For example, all of the following tax benefits can be linked to dependents: Child Tax Credit, Child Additional Tax Credit, Other Dependent Credit, Earned Income Credit, Child and Dependent Care Credit, Head of Household Status, and other tax benefits. Dependents are eligible children or eligible parents of the taxpayer. A taxpayer's spouse cannot be claimed as a dependent. Some examples of dependents include a child, son-in-law, brother, sister, brother, or parent.
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How big a surplus or shortage will result if the price is 60 cents higher than the equilibrium price?
If the price rises by 60 cents from the equilibrium price, there will be a surplus of 14 units (+14).
What exactly is the Equilibrium Price?
When there is no change, there is equilibrium. This means that an equilibrium price is one at which both the supplier and the customer have no change.
Theoretically, at this price, the amount of products desired by buyers equals the amount of goods offered by sellers. As a result, both demand and supply are in sync with the equilibrium price. In other words, the equilibrium price is the point at which the market's supply and demand become evenly balanced, causing prices for that specific product to remain stable.
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A ________ can be defined as a recurring period of decline that usually lasts 6 months to a year and includes many widespread contractions from many areas of the economy.
A recession can be defined as a recurring period of decline that usually lasts 6 months to a year and includes many widespread contractions from many areas of the economy.
When a country's Gross Domestic Product growth rate is low for two or more consecutive quarters, a recession has occurred. But based on important economic indicators like manufacturing statistics, income declines, job levels, etc., a recession can be identified even before the regular gross domestic product reports are released. Financial market issues are the cause of some recessions, such as the global financial catastrophe of 2008. Debt accumulation frequently occurs in conjunction with sudden gains in asset values and a quick expansion of credit. As businesses and families get overextended and have trouble repaying their debts, they cut back on investment and consumption, which lowers economic activity.
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If a company purchases a bond with the expectation that it will be held until maturity, it will most likely be recorded on the balance sheet at:_________
If a company purchases a bond with the expectation that it will be held until maturity, it will most likely be recorded on the balance sheet at historical cost.
When utilizing historical cost as a measure of value in accounting, the value of an asset on the balance sheet is recorded at its original cost when it was purchased by the company.
Fixed assets in the United States are valued using the historical cost method, according to generally accepted accounting principles (GAAP).
The majority of long-term assets are recorded at their historical cost on a company's balance sheet.
Since it prevents overstating an asset's worth, using historical cost is consistent with conservative accounting.
While impaired assets may be written down to their fair market value, highly liquid assets may be recorded at their full market value.
Hence, it will most likely be recorded on the balance sheet at historical cost.
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What is the effect on a company's balance sheet equation when depreciation expense is recognized?
Total assets and Total Stockholders' Equity will decline by the same amount upon recognition of Depreciation Expense.
Any resource that a business or other economic entity owns or controls is referred to as an asset. Anything that can be used to create wealth, whether it be material or intangible, qualifies. The ownership values of assets are those that can be converted into money (although cash itself is also considered an asset). A company's balance sheet displays the monetary value of the assets it possesses. It contains cash and other assets that are personal or corporate property.
Tangible and intangible assets are the two basic types of assets. Tangible assets can be divided into several different categories, including current assets and fixed assets. Examples of current assets include cash, inventory, and accounts receivable. Among fixed assets include land, structures, and equipment.
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When the future level of some variable is seen as a function of something other than time, the best forecasting models to use are __________ such as linear regression.
When the future level of some variable is seen as a function of something other than time, the best forecasting models to use are Causal model such as linear regression.
The most often used statistical technique in the human sciences is regression, which is easily accessible in the majority of commercially available software. Regression's statistics are rather simple, which encourages beginners to press the run button before ensuring that their data have a causal model. To understand regression outputs effectively, arithmetic proficiency is required but insufficient. Regression just clarifies the pattern of the correlations; it never shows the causal connections between variables.
A causal model is frequently a hypothesis that is based on a high-level understanding of human behaviour in the social sciences. A causal model can be any model that enforces a hierarchy between variables; it is not necessary for it to be a theory.
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A mutual fund had year-end assets of $465,000,000 and liabilities of $37,000,000. if the fund nav was $56.12, how many shares must have been held in the fund?
A mutual fund had year-end assets of $465,000,000 and liabilities of $37,000,000. If the fund nav was $56.12, 7,626,515 shares must have been held in the fund.
A mutual fund is a type of investment vehicle that combines the funds of many different participants to buy a variety of securities. Mutual funds are able to invest in a wide range of securities, including stocks, bonds, commodities, and alternative assets like real estate, as well as a number of investments in combination.
An open-end, professionally managed investment fund called a mutual fund collects money from numerous individuals to buy securities. Mutual funds hold the majority of U.S. corporations' equity. Retail or institutional investors in mutual funds are both possible.
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Tammy spencer spends all day driving from customer site to customer site for sales meetings in his job with a national medical parts manufacturer. what is tammy considered to be?
Tammy is considered to be an Outside sales representative.
What is an Outside sales representative?An outside sales representative is a businessperson who conducts customer meetings and sales activities apart from a typical office setting. In order to either offer their product or develop a relationship with a current client, outside sales agents personally interact with potential consumers. Outside sales personnel follow the clients' schedules because they frequently travel to meet with them. They frequently work past their regular working hours as a result of this. To interact with a customer, present a product demonstration, and answer any queries about their services, they might meet them before or after work hours. Outside sales representatives sometimes operate from remote or home offices because they rarely work in a traditional office setting.
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You want advice from a project manage colleague at another company. you want them to be able to view the file in any way they want. what is the best method for sharing your project information?
You need help from a project management coworker at another business. They should be allowed to access the file however they like. The best way to share information about your project is to copy a report into an email.
You need help from a project management coworker at another business. They should be allowed to access the file however they like. The best way to share information about your project is to copy a report into an email.
A project manager is a specialist who plans, organize , and carries out projects while adhering to constraints like budgets and timelines. Project managers oversee entire teams, establish project management, interact with stakeholders, and see a project through to completion. The project manager is in charge of making a project successful or unsuccessful, whether it be conducting a marketing campaign, building something, creating a computer system, or introducing a new product.
In almost every industry, project managers are in high demand. Let's explore what project managers do in more detail, why project management is a good career choice, and how to get started.
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In the capital asset pricing model (capm), a measure of systematic risk is captured by?
In the capital asset pricing model (capm), a measure of systematic risk is captured by a model that relates the required rate of return for a security to its risk as measured by beta.
What is meant capital asset pricing model (capm) ?
The Capital Asset Pricing Model (CAPM) explains the connection between systemic risk, or the general dangers of investing, and projected return for assets, notably equities.
To gauge this systematic risk, the CAPM was developed. For pricing risky securities and calculating projected returns for assets given the risk of those assets and the cost of capital, it is widely employed throughout the finance industry.
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What type of product/service management did Ray do?
Based on the information given, Ray produced New Théâtre seating that was attractive as well as comfortable for the customers. He did this by doing a product research.
What is product management?Product management is the role of overseeing a certain product inside a company. It is a function at the center of an organization that must combine the requirement to give value to your company (often profit) with what consumers desire and what is technically and operationally viable.
What precisely are product managers responsible for?A product manager is the person who identifies the consumer demand and the bigger company objectives that a product or feature will satisfy, articulates what success for a product looks like, and rallies a team to make that vision a reality.
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Identify the members of the food web as producers, primary consumers, secondary consumers, or tertiary consumers.
Primary consumers: are herbivores, feeding on plants. Caterpillars, insects, grasshoppers, termites and hummingbirds.
Secondary Consumers: Large predators, like wolves, crocodiles, and eagles.
Tertiary consumers: The larger fishes like tuna, barracuda, jellyfish, dolphins, seals, sea lions, turtles, sharks, and whales.
What is the difference between primary, secondary, and tertiary consumers in the food chain?Primary consumers are those who buy from primary producers (plants). Rabbits, for example, eat grass. The primary consumers are consumed by secondary consumers (herbivores). For example, snakes that eat rabbits. Secondary consumers are eaten by tertiary consumers (large predators).The position of some organisms in the food chain can change depending on their diet. When a bear eats berries, for example, the bear is acting as a primary consumer. When a bear consumes a plant-eating rodent, the bear acts as a secondary consumer. When the bear consumes salmon, it is acting as a tertiary consumer (this is because salmon is a secondary consumer, since salmon eat herring that eat zooplankton that eat phytoplankton, that make their own energy from sunlight). Consider how people's positions in the food chain change, often within a single meal.Tertiary consumers are eaten by quaternary consumers, such as a hawk that eats owls. Each food chain has a top predator that has no natural enemies (like an alligator, hawk, or polar bear).
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Which organizational form best enables the owners of a firm to monitor the professional conduct of other owners of the firm?
Partnership best enables the owners of a firm to monitor the professional conduct of other owners of the firm.
What is Partnership?In a partnership, parties who are referred to as business partners agree to work together to further their shared objectives.
Individuals, companies, interest-based organizations, schools, governments, or combinations of these may be the partners in a partnership.
Organizations may work together to expand their reach and increase the likelihood that each will succeed in reaching their goals.
A partnership may solely be controlled by a contract, or it may issue and hold stock.
Every partnership must have a partnership agreement to exist, even if it hasn't been reduced to paper.
Although a written partnership agreement is not legally necessary in common law nations, partners may benefit from one that spells out the key conditions of their relationship.
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Jobs such as police officer, fire fighter, and lifeguard, which require physical strength and stamina, often use ______ tests.
Jobs such as police officer, firefighter, and lifeguard, which require bodily electricity and stamina, often use physical ability tests.
A person can be a worker, a figure, and homemaker. they may be all, in reality, by means of definition, forms of jobs. people with specialized education in certain kinds of paintings, both have a: – trade: these are manual jobs. Examples encompass carpenters, automobile mechanics, hairstylists, and bakers.
“Jobs” and “work” are both nouns, but they may be slightly distinctive. Your process is your profession (like a purifier, a teacher, a banker or a scientist). work, alternatively, is the things you do. it is able to be stuff you do to your job (like doing a venture or fixing a roof or writing equations). It's located that the maximum increase in employment came from new businesses or new institutions at current businesses. Over the long-time period, Mr. Acs expected, approximately half of all new jobs come from speedy-developing new companies, and the alternative half comes from expansion at current companies.
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Products related in such a way that an increase in the price of one reduces the demand for the other.
Complements are products that increase the use of other products, products related in such a way that an increase in the price of one reduces the demand for both.
A complementary appropriate is a service or product that offers fee to some other product or service. In different words, they may be things that the patron utilises in conjunction with each other. Cereal and milk, for example, or a DVD and a DVD
A Complementary exact is a product or service that provides price to another. In different phrases, they may be two items that the purchaser uses together.
A complementary product is an object that is offered collectively with the primary product. Those merchandises are used in conjunction, so complementary goods frequently bring little cost or can not be used one after the other, including petrol, SIM card, and baking powder.
Complements are items that might be consumed together. Substitutes are goods wherein you may devour one in region of the alternative. The prices of complementary or alternative items also shift the call for curve.
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Why is it so necessary to have a freely elected government for democratic capitalism to create a prosperous and fair economy
Explanation:
Free elections are a mechanism for limiting corruption. A government sets rules that govern the marketplace. To ensure that these rules don't create unfair advantages or limit the abilities of producers and consumers, democratic societies elect the people who will represent them. When representatives are not elected, there is less accountability to the people and therefore a greater risk that representatives won't set rules in the interests of the people, including rules around commerce.
Budgeting for Needs Select your needs from your cash expenses. CASH Last Month Gas for car$120 Fast food$20 Movie tickets$30 Amusement park$115
The necessities would be last month's gasoline for the car, while the expenses would be fast food, movie and amusement park tickets.
What are needs and expenses?Needs are a term that refers to the goods and services that a person needs in a fixed way for their daily life, some examples are:
TransportationFeedingEducationOutfitLiving placeAmong othersAccording to the above, it can be inferred that car gasoline is a necessity because it is a means of transportation that we can use to go to our work or place of study.
On the other hand, expenses are the goods and services that are not necessary for our daily lives but that we acquire for leisure and entertainment purposes. For example:
Video gameCinemaTheaterMake-upToysSweetStreet foodAmong othersBased on the above, it can be inferred that movie tickets, fast food, and amusement park tickets are expenses.
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Your firm spends every month on printing and mailing costs, sending statements to customers. If the interest rate is per month, what is the present value of eliminating this cost by sending the statements electronically?.
Eliminating this expense would cost $1,000,000.00 in the current. Annual Rate or APR is a common unit used to express interest rate on loans (APR).
The principal or percentage of the loan amount is what the lender charges the borrower as interest. Interest (CD) may also accrue on money earned in a bank or credit union savings account or certificate of deposit. Interest on these bank accounts is calculated as an annual percentage return (APY).
Working notes:
PMT = $5,200 monthly cost savings
Interest I = 0.52% monthly
Indefinite cost savings at current value
Application of future value formula
PV = PMT/i%.
= $5,200 / 0.5200%
= $1,000,000.00
Note: The present value calculation was performed indefinitely, as the cost savings continue indefinitely over many months.
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The question was incomplete. Check below the full question.
Your firm spends $5,200 every month on printing and mailing costs, sending statements to customers. If the interest rate is 0.52% per month, what is the present value of eliminating this cost by sending the statements electronically?
The agency of the united states government that oversees the u. S. Financial markets is the.
The agency of the united states government that oversees the U.S. Financial markets is the Securities and Exchange Commission (SEC).
Discuss Security Exchange Commission.
The Securities and Exchange Commission (SEC) is the national government regulatory agency charged with supervision over the corporate sector, the capital market participants, and the securities and investment instruments market, and the protection of the investing public.
It was founded on October 26, 1936 by Commonwealth Act (CA) 83. Subsequent laws were enacted to encourage investments and more active public participation in the affairs of private corporations and enterprises, and to broaden the Commission’s mandates.
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The custom halloween company purchases a new sewing machine to replace an older machine with limited capabilities. The first week the new machine is used production nearly doubles. Which economic principle does this illustrate? the impact of capital investments the law of demand the law of supply the risk of an investment vehicle
Answer:
A: The impact of capital investments
Explanation:
Hope this helps :)
The custom halloween company purchases a new sewing machine to replace an older machine with limited capabilities. The first week the new machine is used production nearly doubles. The economic principle does this illustrate is the impact of capital investments. Thus, option A is correct.
What is Capital Investment?A company makes a capital investment when it buys tangible assets to utilise in achieving its long-term goals and objectives. Among the assets that are bought as capital investments are real estate, factories, and equipment.
The funding used may originate from a variety of sources, including venture capital deals and traditional bank loans. A company's choice to invest in capital is a long-term growth plan. A business prepares and executes capital investments to guarantee future expansion.
The main goals of capital investments are to boost operational efficiency, increase market share, and boost revenue. For the same objectives, the business may make a capital investment in the form of an equity ownership in the complementary operations of another business.
Therefore, The economic principle does this illustrate is the impact of capital investments. Thus, option A is correct.
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If a retail store owner does not have a popular item in stock because he underestimated the forecasted sales for that item, he most likely has a challenge with:_________
If a retail store owner does not have a popular item in stock because he underestimated the forecasted sales for that item, he most likely has a challenge with managing customer demands.
What are Customer demands?In the context of scientific sales, the term "customer demand" or "consumer demand" often refers to the issue or objective that consumers need to resolve. Customer demand commonly referred to as "want," is the desire for a certain product that can be satisfied by the purchasing power in the context of marketing.The requirement that the demand meets the requirement of being able to be satisfied by the buying power is the main distinction between customer demand and customer need or want.For supply planning, the beginning step is customer demands.
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If the equilibrium price of good x is $4 and a price ceiling is imposed at $5, the result will be a(n):_________
If the equilibrium price of good x is $4 and a price ceiling is imposed at $5, the result will be an equilibrium.
What is equilibrium price?The equilibrium price is the only price where the plans of consumers and the plans of producers agree—that is, where the amount consumers want to buy of the product, quantity demanded, is equal to the amount producers want to sell, quantity supplied. This common quantity is called the equilibrium quantity.
Supply and demand curves intersect at the equilibrium price. This is the price at which we would predict the market will operate.
Equilibrium occurs when there is a state of no change. This tells us that equilibrium price is a price where both the seller and the buyer are in the position of no change.
Theoretically speaking, at this price,
Amount of goods demanded by the buyers = Amount of goods supplied by the sellers
Therefore, both the demand and supply work in synchronization with the equilibrium price. In other words, the equilibrium price is where the state of the market supply and demand get equally balanced, which also then makes the prices for that certain product steady.
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According to the digital wallet overview video case, when adding a credit or debit card to your digital wallet, what security method is generally used to prevent someone else from adding your debit or credit card to their digital wallet?.
The E-wallet security method is generally used to prevent someone else from adding your debit or credit card to their digital wallet.
It encompasses all the activities that companies undertake to push, sell, and distribute that product or service. The goal is to digital wallet come up with sales and build a loyal Marketing customer base by informing prospective and existing buyers about the offering.
This happens through market research, research and contemplating the interest of a business's ideal customers and attracting them through messaging which might be educational and helpful to a business's target group.
Digital wallet is an organizational discipline, which deals with the sensible application of promoting orientation, techniques and methods in enterprises and organizations and with the management of a company's marketing resources and activities.
The underside line of any business is to form money and marketing is a vital channel to achieve that end goal. Credit explained that without marketing many businesses wouldn't exist because marketing is ultimately what drives sales.
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Which of the following is an example of cross-trading
A. A contractor focuses solely on heating and air conditioning
B. A business produces more goods then their competitors because they can do it at a lower cost
C. A graphic designer is taking classes in project management and finance to improve her skills in those areas
D. An experienced pilot mentors newer pilots on their flying skills
The option that is an example of cross-trading among the following is option C. A graphic designer is taking classes in project management and finance to improve her skills in those areas.
A graphic designer invents visual concepts, using computer software or by hand, to communicate ideas that inspire, inform, and captivate consumers. A graphic designer forms the total design and production design for applications such as advertisements, brochures, magazines, and reports.
For such professional to take classes in project management and finance to improve her skills in those areas is tantamount to cross-trading since it is another field entirely.
What is cross-trading?A cross trade is a practice where buy and sell orders for the same asset are offset without recording the trade on the exchange. It is an activity that is not permitted on most major exchanges.
Therefore, the correct answer is option C. A graphic designer is taking classes in project management and finance to improve her skills in those areas.
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Abc+company's+preferred+stock+is+selling+for+$30+a+share.+if+the+required+return+is+8%,+what+will+the+dividend+be+two+years+from+now?
Abc company's preferred stock selling for $30 a share. if the required return is 8%, the dividend two years from now $2.40.
Preferred stock pays a fixed dividend per share, so the dividend two years from now will be the same as today's dividend. You can calculate the dividend per share using the following pricing formula: Price per share = required dividend yield per share. Companies issue preferred stock to obtain equity financing without sacrificing voting rights. This is also a way to avoid hostile takeovers.
Preferred stock is a crossover of bonds and common stock. You can determine the value of the outstanding preferred stock by examining the company's balance sheet and preferred stock prospectus. Determines the number of outstanding preferred shares. This information can be found on the company's balance sheet. On the plus side, preferred stock usually has a higher yield than common dividend stocks or bonds issued by the same company.
Disclaimer:- The proper question is:-
Q. ABC company's preferred stock is selling for $30 a share.if the required return is 8%, what will the dividend be two years from now?
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Wyatt co. has a probable loss that can only be reasonably estimated within a range of outcomes. no single amount within the range is a better estimate than any other amount. the loss accrual should be:________
Wyatt Co. have a possible loss that can only be reasonably estimated within the range of results. no single number in the range is a better approximation than any other number. Accrual of losses should be Minimum range.
Value at Risk (VaR) is a financial metric that estimates investment risk. More specifically, VaR is a statistical technique used to measure the amount of potential loss that can occur in an investment portfolio over a certain period of time. Value at Risk provides the possibility of losing more than a certain amount in a certain portfolio.
Value at Risk (VaR) Benefits
Easy to understandApplicationUniversalKey Element Value Risk
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