Answer:
Straight term mortgage
Explanation:
A straight term mortgage is also referred to as straight term loan or interest-only mortgage requires that the borrower(the mortgagee) makes interest payments on the mortgage untill the principal of the mortgage becomes due.
In this stance,the mortage interest may only be required for just 12 months after which the borrower pays back the entire $72,000 in one fell swoop.
The final interest payment of $1,300 would be paid alongside the principal of $72,000 i.e $73,200 would be made as the final payment
Why does a price floor lead to surpluses? Why does a price ceiling lead to shortages?
Answer:
Shortage: there is more demand than there is at the equilibrium price. There is also less supply than there is at the equilibrium price, thus there is more quantity demanded than quantity supplied.
Your pretty much short in supply and cant fulfill the demand
While surplus
When a price floor is set above the equilibrium price, quantity supplied will exceed quantity demanded, and excess supply or surpluses will result.
Theirs a a large amount of supply due to the pricing most likely beign high
Explanation:
Claire is a human resource manager at Lewis Corp. She skillfully handles personal interactions with her staff and the other department managers. She is highly admired by others in the organization because she treats others with respect and builds trust. This scenario indicates Claire has strengths in the HR success competency of
Answer:
D. relationship management.
Explanation:
Relationship management refers to managing the relationship with the audience, employees, etc. In this the relationship is developed between the organization and the external parties, clients, customers, etc
Here in the question it is mentioned that the Claire is highly admired as she respects other people and also develops the trust in the organization
so here the strength is the relationship management
The marketing department wants to buy two new computers. One computer will be used for their graphic artist to create graphics and videos for the Web, and a second one for the secretary to keep track of billing and hours. What would you advise the department to purchase?
Answer:
Explanation:
While buying a computer , the potential purpose and usage of the computer should as well as the component of the computer to buy should be considered in order to make a right selection .
As graphics designing software is processor intensive , a processor with a very high speed of at least 1 Ghz and an adequate RAM to aid faster process at once , minimum of 8Gb is required.
However , considering the function of a secretary which is to track billing and hours , a computer with a slower process will definitely perform the task
Using Google Wallet, consumers can pay for goods in stores. At check out, mobile users simply pass or tap their phone on a merchant terminal and payment is transferred. Users receive an SMS text message confirmation. The Google Wallet and similar payment systems are based on QR code technology. Select one: True False
Answer: False
Explanation: Google wallet and other similar payment methods such as Apple pay involving tapping on a merchant's payment terminal uses Near Field Communication (NFC) technology and not QR technology. Both methods are contactless methods of making payment, however, in the case of QR, it requires customers to simply scan a code similar to a barcode which has been specifically designed by the merchant from their mobile devices with the aid of camera. NFC payments doesn't require scanning a barcode as it only requires authentication by tapping on a merchant's payment system once the devices are close together.
The term _______________ refers to a firm operating in a perfectly competitive market that must take the prevailing market price for its product. *
Answer:
price taker
Explanation:
A perfect competition is characterized by many buyers and sellers of homogenous goods and services. Market prices are set by the forces of demand and supply. There are no barriers to entry or exit of firms into the industry.
In the long run, firms earn zero economic profit. If in the short run firms are earning economic profit, in the long run firms would enter into the industry. This would drive economic profit to zero.
Also, if in the short run, firms are earning economic loss, in the long run, firms would exit the industry until economic profit falls to zero.
Firms in a perfect competition are price takers. This means that they must accept the prevailing market price.
If a firm decides to set price above market price, it would lose all customers as customers would buy from firms that sell at the market price.
If a firm sells below market price, the firm would incur losses.
The amount of oil that is economically feasible to extract from a deposit using current technology is known as ______ oil reserves.
Answer: Proven oil reserves
Explanation:
Proven oil reserves are those that humans can extract oil from given our current technological and economic situations.
Under Proven oil reserves there are those that are Proven developed and those that are Proven Underdeveloped. Proven Developed ones can be extracted from as they come from already existing wells. Proven Underdeveloped however would need further investment to get them ready.
What conflict of interest information must be made available by institutions on a public website or within five business days upon request?
Answer:
The financial conflicts of interest of senior or key personnel on PHS-funded projects.
Explanation:
According to United States of America Public Health Service, institutions are compelled to present a conflict of interest information on a public website or within five business days upon request. his is to assess or to determine if a substantial financial interest is connected or not to an investigator's research and composes a financial conflict of interest.
Hence, the right answer is The financial conflicts of interest of senior or key personnel on PHS-funded projects.
Determine which of the four levels of measurement (nominal, ordinal, interval, ratio) is most appropriate for the data below. types of restaurants left parenthesis fast food comma organic food comma sea food comma etc. right parenthesis
Answer:
Using the four levels of measurement (nominal, ordinal, interval, ratio), the most appropriate for this data "types of restaurants (fast food, organic food, seafood, etc.) measurement is the ratio.
Explanation:
Ratio defines the degree of the relationship between some types of restaurants and the whole restaurant system. Specifically in mathematics, a ratio is a comparison of some two or more numbers that indicate their sizes in relation to each other. It compares two quantities by division. The dividend or number being divided is termed the antecedent. The divisor or the number that is dividing the dividend is termed the consequent.
In a sole sponsorship for network advertising, the:
A. costs are minimal so the sponsor can provide funds for programs, specials, and all kinds of shows.
b. advertiser does not have the authority to control the placement and content of its commercials.
c. advertiser is provided with several bills because all networks are decentralized.
d. advertiser is responsible for both the program content and the total cost of production.
e. advertiser cannot make decisions on the length of the commercial.
Answer:
D.
Explanation:
Sole Sponsorship is a type of sponsorship in which a company or a person decides to be the only supporter of the event. In Network advertising, when a person decides to sponsor solely, the advertiser becomes responsible for both the program content and the total cost of the production.
The Sole sponsor fund the costs that could be earned from the advertising. The sponsor funds to the content to promote its name and brand.
Some example of sponsors are PepsiCo, Coca-Cola, etc.
Thus from the given options the correct one is D.
Let R2 unrestricted and R2 restricted be 0.4366 and 0.4149 respectively. The difference between the unrestricted and the restricted model is that you have imposed two restrictions. There are 420 observations and three explanatory variables. The F-statistic in this case is:______
a. 4.61
b. 8.01
c. 10.34
d. 7.71
Answer:
8.01
Explanation:
(0.4366 - 0.4149/2)/1 -0.4366/420-3-1
= (0.01085/0.5634)*416
= 8.01
A ratio of two variances is the F-statistic. Variances are a metric for dispersion, or how far the data deviates from the mean.
Correct option is B.
The F-statistic in this case is: 8.01
Given Information:-
R2 unrestricted=0.4366R2 restricted=0.4149Number of observations=420
F-statistic=(0.4366 - 0.4149/2)/1 -0.4366/420-3-1
F-statistic= (0.01085/0.5634)*416
F-statistic= 8.01
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Once a company has decided upon its positioning, either for the corporation as a whole, or for one of its brands, it must be able to communicate __________ the parameters of that position to __________.
Answer:
Succinctly, a number of audiences.
Explanation:
Once a company has decided upon its positioning, either for the corporation as a whole, or for one of its brands, it must be able to communicate succinctly the parameters of that position to a number of audiences.
Generally, it is very important that in the decision-making process, an organization consults a variety of its key or essential staffs such as managers, directors, stakeholders and executives. Furthermore, when the decision making process has been completed and a position taken, it is necessary that the organization communicates in clear and concise terms the details or parameters which influenced the choice to its audience such as investors, customers, employees etc.
When buyers buy goods in a market they are doing so because A. They choose the efficient allocation. B. They do not like the other good C. They value those goods at least as much as the price charged. D. A and B above. E. All of the above.
Answer:
C. They value those goods at least as much as the price charged.
Explanation:
When buyers buy goods in a market they are doing so because they value those goods at least as much as the price charged and obviously prefer the particular good (product) to the other which is being offered by the seller.
This ultimately implies that, when anyone buys a new product, it is simply because they feel the product is going to give them value for the price or amount of money being paid.
In India one person can produce 330 pounds of rice or 110 shirts in one year. In China one person can produce 400 pounds of rice or 200 shirts in one year. Which of the following statements is true?
a. India has a comparative advantage in the production of rice.
b. China has a comparative advantage in the production of rice.
c. China has both an absolute and comparative advantage in the production of rice.
d. India has an absolute advantage in the production of rice.
Answer:
a. India has a comparative advantage in the production of rice.
Explanation:
A comparative advantage is when a country is able to produce a product with a lower opportunity cost.
An absolute advantage is when a country is able to produce more products with the same resources than another country.
For India to produce 1 pound of rice, it has an opportunity cost of 0.33 shirts.
For China to produce 1 pound of rice, it has an opportunity cost of 0.5 shirts.
This indicates that India has a comparative advantage in producing rice as it has a lower opportunity cost.
According to this, the answer is that the statement that is true is: India has a comparative advantage in the production of rice.
Which stage in the evolution of marketing was characterized by personal selling and advertising in order to persuade customers to buy new products or more of existing products?
Answer:
Sales orientation
Explanation:
Sales orientation refers to an approach that is taken by an organization in which the firm is improving its sales by using the sales tactics i.e. in terms of advertising, personal selling, etc
Therefore in the given case, for customer persuasion, the customers purchased the new products or existing products more products are purchased so this represents the sales orientation stage and the same is to be considered
According to the CAPM, what is the expected market return given an expected return on a security of 12.5%, a stock beta of 1.9, and a risk-free interest rate of 3%?
Answer:
5%
Explanation:
The security is 12.5%
The stock beta is 1.9
The risk free interest rate is 3%
Therefore the expected market return can be calculated as follows
12.5= 3 + 1.9×Market return
12.5= 3 + 1.9market return
12.5-3= 1.9market return
9.5= 1.9market return
market return= 9.5/1.9
= 5%
Hence the expected market return is 5%
Net fixed assets: Book value: $2,500, Market value: $3,000 Net working capital: $700 Current accounts liquidated: $1,500 ABC Corporation has $900 in long-term debt. What is the book value of equity?
Answer:
$2,300
Explanation:
The book value is $2,500
The market value is $3,000
The net working capital is $700
The current account that was liquidated is $1,500
The long term debt of ABC corporation is $900
Book value of equity = book value of assets - book value of liabilities
The first step is to calculate the book value of assets
= net working capital + net fixed assets
= $700 + $2500
= $3,200
The book value of liabilities can be calculated as follows
= long term debt which is $900
Therefore the book value of equity can be calculated as follows
= $3,200 - $900
= $2,300
Hence the book value of equity is $2,300
As part of their _______ roles, managers are expected to evaluate alternatives and make choices to solve problems or take advantage of opportunities.
Answer:
Decisional
Explanation:
Decisional roles in finance, is one of the needed aspect of managerial activity, so it is very important for managers to be up and doing in making sure opportunity are explored for the growth of the organization. It should be noted that As part of their decisional roles, managers are expected to evaluate alternatives and make choices to solve problems or take advantage of opportunities.
Bad Debts account has a credit balance of $8,000 before the adjusting entry for bad debts expense. After analyzing the accounts in the accounts receivable subsidiary ledger using the aging−of−receivables method, the company's management estimates that uncollectible accounts will be $14,300. What will be the balance of the Allowance for Bad Debts reported on the balance sheet?
Answer:
$14,300
Explanation:
Based on the information given we were told that the management of the company estimated that the amount in the uncollectible accounts will be the amount of $14,300 which means that the amount of $14,300 will be the balance of the Allowance for Bad Debts that should be reported on the company balance sheet.
A 60-year old customer desires an investment that will provide for retirement income when she reaches age 65. The customer is able to invest $1,000 per month over that time period. What recommendations is most suitable?
Answer:
B. The purchase of a variable annuity contract
Explanation:
The variable annuity contract is the contract in which there is no limit in terms of dollars for contributions and the income i.e. earned on the investment should be considered as a tax deferred
Since the invested amount is $1,000 per month so for yearly it is $12,000.
Also the IRA account permits $5,500 contribution for the year 2018 so this not meet the requirement of $12,000
Also the large returns bonds are speculative and thus not considered for the income used in the retirement
Hence, the option is correct
Which type of estate is created when the landlord and tenant enter into an agreement for an indefinite time with no specific termination date?
Answer:
estate from period to period
Explanation:
There are various types of estates based on various facts.
Estate from period to period is the estate in which the agreement do not contain the termination date. It is an agreement enforceable, through all the period of life, up till any of the party intentionally provides for a notice to other party to terminate the agreement.
Generally in this estate the landlord receives his rent on the estate for each interval, the interval can be monthly, bi-monthly, quarterly, 6 monthly, yearly or in any period as suitable to both the parties as defined in agreement.
A business organizational form in which all general partners actively participate in ownership and management and are liable for all debt and actions, is called
Answer:
General partnership
Explanation:
General partnership is a business organization, whereby two or more partners agrees to share the profit, loss and liability that arises from business operation. What this means is that each partner actively participate in the operations of the business and should the company owe any debt, any of the partners may be sued for the business debt including seizure of the owners assets.
One of the advantages of general partnership is the ease of flexibility to structure their business as they deemed fit hence are able to closely monitor and control operations.
Question 28 A scientist has two solutions, which she has labeled Solution A and Solution B. Each contains salt. She knows that Solution A is salt and Solution B is salt. She wants to obtain ounces of a mixture that is salt. How many ounces of each solution should she use?
Answer:
12 ounces and 28 ounces
Explanation:
Let us assume the ounces of solution A be x
And, for solution B be y
Also
x + y = 40
y = 40 - x
salt in solution A is = 35% of x
salt in solution B is = 85% of y = 85% × ( 40 - x)
salt in the mixture is = 70% of 40 = 28
Now the equation would be
35x ÷ 100 + 85 ÷ 100 × ( 40 - x) = 28
35x + 3,400 - 85x = 2,800
35x - 85x = 2,800 - 3,400
-50x = -600
x = 12 ounces
Also y = 40 - x
= 40 - 12
= 28 ounces
Candy is trying to decide between two job offers. The compensation package for job A includes a $300-per-month health insurance plan, to which Candy would contribute $95; a $40-per-month life insurance plan; a salary of $65,000 per year; and a 5% match on 401(k) contributions. The compensation package for job B includes a $400-per-month health insurance plan, to which Candy would contribute $105; a $50-per-month life insurance plan; a salary of $64,000 per year; and a 9% match on 401(k) contributions. Candy plans to contribute $8000 per year to her 401(k) plan.
Part 1. What is the yearly value of the health insurance benefit from job A? How about the yearly value of the health insurance benefit from job B?
Part 2. What is the yearly value of the life insurance benefit from job A? How about the yearly value of the life insurance benefit from job B?
Part 3. What is the yearly value of the 401(k) match from job A? How about the yearly value of the 401(k) match from job B?
Answer:
Part 1. Monthly health insurance benefit for job A is $205
Yearly health insurance benefit for job A is $2,460
Monthly health insurance benefit for job B is $295
Yearly health insurance benefit for job B is $3,540
Part 2. The yearly value of the life insurance policy for job A is $480
The yearly value of the life insurance policy for job B is $600
Part 3. The yearly value of the 401 (k) match from job A is $3, 250
The yearly value of the 401 (k) match from job B is $5, 760
Explanation:
Part 1. The health insurance benefit per month for job A = $300 - $95 = $205
The annual health insurance benefit = $205×12 = $2,460
The health insurance benefit per month for job B = $400 - $105 = $295
The annual health insurance benefit = $295×12 = $3,540
Part 2. The monthly life insurance plan for job A = $40
The yearly value of the life insurance policy for job A = $40 × 12 = $480
The monthly life insurance plan for job B = $50
The yearly value of the life insurance policy for job B = $50 × 12 = $600
Part 3. The yearly value of the 401 (k) match from job A = 0.05 × $65,000 = $3, 250
The yearly value of the 401 (k) match from job B = 0.09 × $65,000 = $5, 760
Homeowner Lorraine has not paid her mortgage for four months. Who will decide when it is time to begin foreclosure proceedings?
Answer:
The lender
Explanation:
A foreclosure is defined as a legal action taken by a lender where the borrower has stopped making payments. The lender forces the borrower to sell an asset used as a collateral in an effort to recover the loan.
Mortgages are loans collected on real estate properties, usually provided by mortgage company.
If Lorraine has defaulted for 4 months on her mortgage payments, the lender can start foreclosure procedure against her in an attempt to recover the loan.
Sally has done well in her statistics class so far this term. Despite her good grades, Sally is worried that she will not do well on her upcoming test. So she studies extra hard. What best accounts for Sally's study pattern?
Answer: defensive pessimism
Explanation:
Defensive pessimism is a strategy that anxious people uses in order to help manage their anxiety which will in turn help them work productively.
Defensive pessimists try as much as possible to lower their expectations in order to help them prepare for the worst that may happen. This is the strategy used by Sally.
The types of job-specific knowledge you need to perform well in a specialized field, known as _______ skills, appear to be most important for first-line managers.
Answer: technical
Explanation:
The types of job-specific knowledge you need to perform well in a specialized field, known as technical skills, appear to be most important for first-line managers.
What is skills?The term skills refer to the person ability and talent that comes to the master own her work. There are the different types of the skills such as communication skills, computer skills and graphic skills. A person is the expert to the particular field are they easily faced the problems and the efficiently performing the work.
According to the skills are the necessary to the person because it's the help to the developed of the knowledge and the experiences. There are the skills are the different types such as technical, computer, reading, listening and the other communication skills. A person was the acquired the skills on school, college, and the past job.
As a result, the job-specific knowledge to perform are the well specialized field.
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A convertible debenture is convertible into common at $40 per share. If the market price of the bond rises to a 5 point premium over par, which statements are TRUE
Answer:
II The conversion ratio is 25:1
Explanation:
the options were missing:
I The conversion ratio is 20:1
II The conversion ratio is 25:1
III The parity price of the stock is $44
IV The parity price of the stock is $50
the conversion ratio gives us the total number of stocks that can be converted. In this case, the conversion ratio = 25, since $1,000 (par value) / $40 per stock = 25 stocks
Since the bond's price increases by 5%, it will be $1,050 / 25 stocks = $42, so the stock's price parity = $42
Administrative costs include ______. shipping costs and sales commissions executive compensation and public relations costs factory maintenance workers' wages and factory supervisors' salaries sales commissions and factory supervisors' salaries
Answer: Executive compensation and public relations costs
Explanation:
Administration costs are cots that the company does not incur as a result of production, sales or indeed any specific department. They usually relate to the entire organization as a whole and involve the running of the entire company.
Executive compensation is an admin cost as the executives are in charge of coordinating the whole company and cannot necessarily be linked to one department or function.
Public relation costs affect the entire company and so are admin costs as well.
Budgeting competency requires the ability to:__________
a. Define the production system
b. Quantify expected operations in dollars
c. Analyze actual results considering the budget to determine where costs were better or worse than expected
d. All of the above
Answer:
d. All of the above
Explanation:
A budget can be defined as a financial plan of estimated revenues, resources and expenses over a specific period of time in a particular country. It is usually reevaluated based on future plans and objectives periodically, typically on an annual basis. Thus, budgets are usually compiled, analyzed and re-evaluated on periodic basis.
Budgeting competency requires the ability to:
a. Define the production system.
b. Quantify expected operations in dollars.
c. Analyze actual results considering the budget to determine where costs were better or worse than expected.
Additionally, the first step of the budgeting process is to prepare a list of each type of income and expense that will be part of the budget.
The final step by the management of an organization in the financial decision making process is making necessary adjustments to the budget.
The benefits of having a budget is that it aids in setting goals, earmarking revenues and resources, measuring outcomes and planning against contingencies.
The making of the movie Waterworld cost a total of $180 million. It generated a total of $130 million in revenues. $70 million was spent and then the set sank. An additional $60 million was spent to rebuild the set. An additional $50 million was spent to finish the movie. Losses for the producers of Waterworld, if they finished the movie would be _____. If they did not finish the movie, losses would be _____.
Answer:
Losses for the producers of Waterworld, if they finished the movie would be $50 million. If they did not finish the movie, losses would be $130 million.
Explanation:
This is because, the difference between all their expenses in making the movie and the revenue generated is actually $50 million. This happens to be their losses while on the other-hand, if they didn't finish making the movie, it would be $130 million (aside the cost spent in finishing the movie after rebuilding the set)