She enhanced the overdraft protection in her bank account.
Explanation:
Banks provide overdraft protection as a type of credit facility. The capability enables transactions like checks, electronic payments, and transfers to proceed even when there are not enough money in the account. Bounced payments are protected from by overdraft protection, which carries severe penalties.
Having a debit card is Ann. She is limited to using the money in her accounts when she shops. Automatic credit is not a feature of debit cards. Ann ought to have turned on her debit card's overdraft protection. So that the debit card could withdraw funds from her savings account, she would have connected her savings account to her checking account. Overdraft protection is available for savings accounts.
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An FHA loan made last year may be assumed:
-only by a buyer who intends to occupy the property
-only by a buyer who intends to occupy the property as a primary residence
-only by a buyer who has had an FHA loan before
-by any buyer, regardless of whether he intends to occupy the property
Loans after that date may also be assumed, but the Federal Housing Administration requires a" creditworthiness supposition process". Simple hypotheticals may not bear FHA blessing, but the borrower and lender must work out the details together.
What happens to the property?For all loans after the 1986 cut off date, FHA blessing and borrower credit verification are needed. The" new" FHA rules governing loan supposition requires the borrower to qualify important in the same way he or she'd qualify for any other FHA home loan.
A loan supposition credit check is done in the same way as the procedure for any FHA loan operation. Loan hypotheticals can not offer more lenient credit check programs or more strict bones
According to the FHA, under the" Determining if an Assumptor is Creditworthy" rule," The lender who's the holder or servicer of the mortgage determines the creditworthiness of the assumptor, in agreement with standard mortgage credit analysis conditions. The Direct Countersign( DE) lender may also use an approved authorized agent to reuse hypotheticals."
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starting from short-run equilibrium, the following occurs: the u.s. dollar depreciates and wage rates rise. moreover, the effect on the economy from the dollar depreciating is stronger than the effect on the economy from rising wage rates.what is the effect on the price level and real gdp in the short run? a. the price level falls and real gdp falls. b. the price level rises and real gdp falls. c. the price level falls and real gdp rises. d. the price level rises and real gdp rises.
The effect on the price level and Real GDP in the short run is that the the price level rises and real GDP rises.
There is a close relationship between GDP and prices. When GDP is high, price is usually high as well. This is because when the economy is doing well, people have more money to spend, and businesses can wage more for their goods and services.
When GDP is low, prices are usually low as well. This is because when the economy is struggling, people have less money to spend, and businesses have to charge less to attract customers. The GDP growth rate is a key indicator of the health of an economy.
Hence, the correct option is "D".
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a client has a job as a tenured professor of finance at a successful university. tenure implies that the professor can only lose the job in extreme cases of misconduct or closing of the program. in addition, this professor is in good health, has a healthy spouse, both of whom have life expectancies into their 90s, and expects to work another 15 years, but can work longer if retirement needs require it. the salary, although sufficient for a comfortable lifestyle, will not make the couple wealthy, in and of itself. what kind of investment portfolio is appropriate for this client?
A retirement savings plan that employees participate in by putting a portion of their pay into an account that earns interest. This plan is established by an employer.
What is typically a person's most valuable asset?Individual Assets' Median Worth. The most valuable asset that households own is real estate, which they can use for their own use or rent out. The portfolio also includes financial assets like stocks, mutual funds, bonds, and retirement accounts.
How are investments affected by inflation?Due to the fact that when savings money is repaid, it may be worth much less than when it was lent, and the real rate of interest may be low, inflation may dry up funds for investment.
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a firm has the following order history over the last 6 months (see appended information). what would be a 4-month weighted moving average forecast for july using weights of 30% for the most recent month, 50% for the month preceding the most recent month and 40% for the month preceding that one and 20% for the last month? is the actual demand over the last four months indicative of a trend (i.e. time series trend characteristic) according to company forecasters?
A : 137.5
June is the most recent month.
May is the month preceding the most recent month.
April is the preceding month.
March was the previous month.
Actual Demand over the last four months = (Demand- June * 0.3) + (Demand - May * 0.5) + (Demand-April *0.4) + (Demand - March *0.2)
Actual Demand over the last four months = (25* 0·3)+ (200*0.5) + (25*0₁4) + (100 * 0.2)
Actual Demand over the last four months = 7.5 +100+10+20
Actual Demand over the last four months = 137.5
Therefore, A = 137.5
Furthermore, we can see a pattern in which the odd months have a high interest while the even months have low interest; thus, keeping the pattern in mind, the interest for July is very high. As a result, the correct option is A = 137.5, the Actual Demand over the last four months
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The complete question is:
A firm has the following order history over the last 6 months (see appended information). what would be a 4-month weighted moving average forecast for July using weights of 30% for the most recent month, 50% for the month preceding the most recent month and 40% for the month preceding that one and 20% for the last month? is the actual demand over the last four months indicative of a trend (i.e. time series trend characteristic) according to company forecasters?
Month Actual Demand
January 120
February 95
March 100
April 25
May 200
June 25
Answer options:
A. 137.5
B. 137.5
C. 40
D. 42.5
E. 40
non est factum is based not only on the principle of placing loss on the person guilty of carelessness, but also upon recognition of the need for certainty and security in commerce. for these reasons, the application of the principle d) needs to be decided by a jury. b) must always result in the unenforceability of the contract. a) must always result in the enforcement of the contract. c) must depend on the circumstances of each case. e) because of its equitable nature, needs to be decided by a judge alone.
Non est factum is based not only on the principle of placing loss on the person guilty of carelessness but also upon recognition of the need for certainty and security in commerce. for these reasons, the application of the principle needs to be decided by a jury.
A jury is a sworn frame of people convened to hear evidence and render an impartial verdict (a locating of fact on a question) formally submitted to them via way of means of a court, or to set a penalty or judgment.
Juries evolved in England for the duration of the Middle Ages and are an indicator of the English not-unusual place law system. As such, they may be utilized by the United Kingdom, the United States, Canada, Ireland, Australia, and different international locations whose felony structures had been derived from the British Empire. But maximum different international locations use versions of the European civil law or Islamic law structures, wherein juries aren't usually used.
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as a project manager on a product team, your stakeholders ask you to help the marketing team come up with a strategy to attract customers. what project management responsibility does this represent?
The kind of CRM approach this business employs is known as: C. proving the worth of CRM.
Describe CRM.?Customer relationship management, or CRM, is a business strategy process that typically entails combining different strategies, practices, methods, procedures, and technologies.
Its goal is to effectively and effectively manage a business organization's customer data and information in order to improve and enhance ongoing customer satisfaction.
As this corporation has shown, knowledge discovery is also one of the stages of the customer relationship management (CRM) process cycle and may be utilized to acquire customer data and information for a commercial organization.
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Complete Question:
A company has an excess of puffer jackets at the end of the season that it wants to sell quickly. In order to quickly sell this excess inventory, they send out emails to customers currently in their database. However, they want to determine what type of sale their customers find most motivating, so they send out three different emails with different discounts (BOGO free, 50% a purchase over $100, or free expedited shipping). The information gained during this campaign will be tracked, and customers who made purchases will receive similar email offers in the future. What type of CRM strategy is the company using?
A. end user needs
B. standardized data collection processes
C. demonstrating the value of CRM
D. maximizing customer value
Nalgene is introducing a new line of sustainably produced water bottles. The company issued a press release describing the new product line and its benefits. The press release was sent to local television stations. This is an example of using _____________ to promote a product.
Nalgene is introducing a new line of sustainably produced water bottles. The company issued a press release describing the new product line and its benefits. The press release was sent to local television stations. This is an example of using product press release to promote a product.
A press release for a new product launch is a document that the company releases. Its objective is to make the launch a noteworthy occasion and guarantee favorable media coverage. It's crucial to include it in a go-to-market plan.
It's a useful tool you can incorporate into your marketing plan for a reasonable price, especially if you're a startup with a tight budget. Controlling your story with a well-written press release is another benefit. You can express your values and draw attention to the benefits you can provide. Using a press release agency to share your story can help your content marketing efforts.
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which of the following are some details used to evaluate the general economic environment? (choose every correct answer.)
The trade deficit or surplus of The GDP is some details used to evaluate the general economic environment.
A few details used to evaluate the overall monetary environment encompass the GDP and the exchange deficit or surplus.
Economic factors include factors consisting as interest fees, inflation fees, gross domestic product, unemployment prices, stages of disposable earnings, and the overall growth or decline of the financial system.
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a shift to the left of a supply curve is caused by: question 8 options: a) a technological improvement in production. b) an increase in the number of buyers. c) an increase in the cost of an input. d) an increase in the number of sellers.
The correct answer is option C. A shift to the left of a supply curve is caused by an increase in the cost of an input.
The cost of manufacturing any particular amount of the good or service will change if the price of labor or another production element changes. The quantity that suppliers are willing to supply at any price will alter as a result of this change in the cost of manufacturing. The quantity suppliers will offer at any price should decrease as factor prices rise, moving the supply curve to the left. The quantity suppliers will offer at any price rises with a decrease in factor prices, moving the supply curve to the right.
Imagine that coffee farmers must pay their harvesters a higher wage or must spend more on fertilizer.
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managers untangle issues that come up around professional roles and responsibilities which is particularly noticeable in the area of staff hiring and training, where who can make the difference between a successful operation and a disastrous day?
In order to accomplish specified goals, business management entails the monitoring, organization, and coordination of business resources and processes.
What is the introduction to business management?A business manager is responsible for carrying out a variety of daily tasks to maintain the overall health of the company, its projects, cash flow, and team members. This article fully examines the introduction to business management.The planning, organizing, directing, leading, and controlling functions—commonly regarded as the core components of company management—need to be examined. Simply put, a business manager's responsibility is to make sure that resources and personnel are efficiently coordinated so that necessary tasks can be completed and business goals can be met. Here, we provide a brief introduction to business management, outlining the competencies required and the duties of a business manager on a daily basis.To Learn more About business management refer to :
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Describe one downside to borrowing the maximum allowed amount of federal student loans.
The one downside to borrowing the maximum allowed amount of federal student loans is: you must repay back the loan.
What is federal student loans?Federal student loans can be defined as the loan given to college students so as to enables them pay for their tuition fees among others.
One of the disadvantage of downside of collecting this loan is that the student must repay back the loan amount given to them even if the student did not graduate from the college.
Therefore the downside of borrowing huge sum is that you must pay it back.
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what is an elevator doing when it sells cash grain and buys futures? establishing a speculative position establishing a buy basis setting a spread establishing a sell basis
The elevator sets the spread when it sells grain for cash and buys futures markets. as per the given statement in question.
What is the futures market?
A futures market is an auction market where participants trade futures and commodity contracts for delivery on predetermined dates in the future. Futures are exchange-traded derivative contracts that guarantee the delivery of a commodity or asset at a price set today, regardless of when it is delivered.
Commodity producers and suppliers use futures contracts to try to reduce market volatility. With an investor willing to accept both the risk and the reward of a volatile market, these manufacturers and suppliers negotiate contracts.
Futures markets are not only used for agricultural contracts; they are also used to buy, sell and hedge financial products including interest rate futures.
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a team whose members are geographically dispersed but are linked through information technologies to work interdependently toward common goals is known as a(n) team.
A team whose members are geographically dispersed but are linked through information technologies to work interdependently toward common goals is known as a virtual team.
A virtual team is also referred to as distributed team or geographically dispersed team, or remote team. It refers to a group of personnel or individuals who work together from varying or different geographic locations and rely/linked by information and communication technologies.
However, two types of virtual team had been described, which are Global Virtual Team and Local Virtual Team.
Global Virtual Team are located in different countries/cities all over the world. This team may comprise employees of different companies, joining their efforts and resources, towards a shared project and achieving a common goal. Whereas, members of Local Virtual Team usually belong to the same company, which is either big or small, having adequate resources to establish and maintain virtual team workplaces.
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the estradas are planning to buy a house 4 years from now. housing experts in their area have estimated that the cost of a home will increase at a rate of 3%/year during that 4-year period. if this economic prediction holds true, how much can the estradas expect to pay for a house that currently costs $400,000? (round your answer the the nearest dollar.)
The cost of the house after 4 years will be $450204
In mathematics, the difference between two numbers represents the percent increase between them. A percentage of the first number is always used to express percentage increases.
Cost of house = $400000
Time in years = 4 years
rate of increase per year= 3%
Using the formula, we get the following:
Cost of the house after 4 years = Cost of the house*(1+r/100)^t
where r = rate of increase
and t = time in years
Substituting the values in the formula we get:
Cost of the house after 4 years = 400000*(1+3/100)^4
= 400000*(1.03)^4
= 400000*1.125 = $450203.52 or $450204
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kimball corporation issued $90,000 in bonds for $87,000. the bonds had a stated rate of 8% and pay interest quarterly. what is the journal entry to record the sale of the bonds?.
The journal entry to record the transaction is: -
Interest expense A/c.......Dr. $2,175
Discount on bonds payable A/c.......Cr. $375
Cash A/c.................Cr 1,800
Bonds are classified as debt instruments that are typically offered to lenders by the entity that is borrowing money. They are issued for a predetermined time period and at a predetermined interest rate. The interest on the bonds is fixed for the bondholders, and the bonds are repaid on the maturity date.
Face value of bonds = $90,000
Issue price of the bonds = $87,000
Discount on bonds payable is calculated as follows:
Discount on bonds payable:
Face value−issue price=$90,000−$87,000=$3,000
The journal entry to record the first interest payment is prepared as follows:
Interest expense ($1,800 + $375) A/c.......Dr. $2,175
Discount on bonds payable ($3,000/8) A/c.......Cr. $375
Cash ($90,000 × 8% × (3/12)) A/c.................Cr 1,800
(to record the interest payment to bondholders)
It is assumed that the bond is issued for two years. There will be eight quarterly payments and therefore, the discount will be amortized over 8 periods.
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on june 1, the board of directors declares a cash dividend to be paid on june 30 to shareholders of record on june 15. on which date would the company record a credit to the dividends payable account?
The company will post a credit for any dividends due on that day.
What is a journal entry in accounting?The date, credit and debit amounts, a brief description of the transaction, and associated ledger are included in each journal along with other information about each individual transaction.
A simple accounting entry only debits and credits one account. As a best practice, we recommend using simple journal entries that are easy to understand.
June 1 journal entry explains dividend credit payable account. The following is the journal entry made for the declared on:
Date Accounts Debit
1 - June dividends xxx
payable dividends
declared dividends
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dennis understands the importance of using an analytics solution for his app, but he doesn't know which one to use. which solution is 's best-in-class app analytics solution?
Fire-base Analytics solution is 's best-in-class app analytics solution. We can see that they both employ the same data model, which port-rays user interactions as events.
As a result, both platforms have the identical implementation approach – the only difference between Fire-base Analytics and Goo-gle Analytics in this regard is where you set up your Android and iOS data streams solution initially. Analytics displays data about user activity in your iOS and Android apps, allowing you to make better product and marketing decisions. View cra-sh statistics, notification efficacy, deep-link performance, in-app purchase statistics, and other information. Goo-gle Analytics, a free unlimited analytics tool, sits at the heart of Fire-base.
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the person most likely to conduct an interview with the client to obtain feedback on the projects team's performance is a(n) . senior manager accountant vendor staff person laborer
A senior manager is the most likely to hold an interview with the customer to seek feedback on the project team's performance. Thus, the right option is the senior manager.
What are the senior manager's responsibilities?Senior managers plan and direct a group of people inside a company or department. A senior manager's responsibility is to supervise that person in order to guarantee that business operations operate smoothly and that each individual's performance satisfies corporate and industry standards.
Responsibilities of a senior manager:
Managers must be guided, mentored, and managed. Approve requests for employment and dismissal.Establish organizational goals.Make difficult choices.Budgets for departments are managed.Improve staff performance.To learn more about management, click
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david's mother is killed in an automoblie accident. what type of insurance would provide his family financial support to cover the paid and unpaid work his mother performed? responses
Answer: Life
Explanation:
First, let's review what Life insurance IS: insurance that pays out a sum of money either on the death of the insured person or after a set period.
Since David's mother is killed in an automobile accident and they want to know what type of insurance would provide his family financial support, it would be life because it would pay them out a sim of money on the death of the person (In this scenario David's mother) or after a set period
mcpherson company must purchase a new milling machine. the purchase price is $50,000, including installation. the machine has a tax life of 5 years, and it can be depreciated according to the following rates. the firm expects to operate the machine for 4 years and then to sell it for $12,500. if the marginal tax rate is 40%, what will the after-tax salvage value be when the machine is sold at the end of year 4? year depreciation rate 1 0.20 2 0.32 3 0.19 4 0.12 5 0.11 6 0.06
The after-tax salvage value be when the machine is sold at the end of year 4 $10,900
Is the value of salvage always subject to tax?The price at which an asset was sold after being liquidated is referred to as the "before tax salvage value. This sum is recorded as income and is taxable on the balance sheet. The amount you have left over after subtracting tax from that sum is referred to as the "after-tax salvage value.
How is after-tax salvage determined?Asset sales price less tax paid on the difference between sales price and book value is the asset's after-tax salvage value.
How does depreciation work?to reduce a product's cost or assessed worth. Deducting from taxable income over a period of years a portion of the initial cost of (a business asset) as the asset's value declines. verb intransitive: to decrease in value.
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a corporate bond has a face value of $1,000 and a coupon rate of 9%. the bond matures in 14 years and has a current market price of $946. if the corporation sells more bonds, it will incur flotation costs of $26 per bond. if the corporate tax rate is 35%, what is the after-tax cost of debt capital? group of answer choices 8.18% 6.56% 7.31% 5.57%
If the corporation sells more bonds, it will suffer flotation fees of $26 per bond. If the company tax rate is 35%, [Cost of debt = 1000*9/100 = 90] Add: Floatation Cost=26. Total Cost per bond After tax= 116(1-0.35)=75.4.
A company is a legal entity that exists apart from its owners. Corporations have many of the same rights and obligations as persons under the law. They can enter into contracts, lend and borrow money, sue and be sued, hire people, possess assets, and pay taxes. A corporation is legally distinct from its owners. Corporations have many of the same legal rights and obligations as individuals.
A key feature of a corporation is limited liability, which means that its shareholders are not personally liable for the company's debts. A company can be formed by an individual or by a group of people who share a same aim. This may not always imply making a profit.
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jason is buying a new car. he does not know much about automobiles. however, because of the high price of the car, he gets involved in the shopping process by visiting showrooms, searching for information on the internet, and looking at other sources of information. which type of involvement does the given scenario represent?
Jason is buying a new car. he does not know much about automobiles. The given scenario represent Situational type of involvement.
Automotive technology is the application of self-propelled machine or vehicle knowledge in the real world. The building of engines, fuel and ignition systems, power trains, brakes, gearboxes, electrical and diagnostic tools, and other topics are covered by students majoring in automotive technology. One can master the fundamentals of driving in a day in a car with an automatic transmission. It might take at least two days to understand the fundamentals of driving a manual transmission vehicle, though.Thanks to the vehicle, people had more personal freedom and access to jobs and services.As a result, better transportation systems were built. New businesses and jobs were developed in order to supply the demand for gasoline and automotive parts. These included gasoline and crude oil, then rubber, and finally polymers. An automobile is a self-propelled motor vehicle intended for on-land passenger transportation.
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which of the following does not belong to the authors' list of least developed strategic thinking competencies? select one: a. scanning b. visioning c. reframing d. paying attention to detail e. making common sense f. systems thinking clear my choice check
Making common sense does not belong to the authors' list of least developed strategic thinking competencies.
What is the focus of strategic thinking ?
Finding and developing special opportunities to add value for your organisation is the focus of strategic thinking. The phrase has historically been abused and misused, and too frequently, strategic planning exercises are ineffective.
Understanding your place in the market is one of the five characteristics of strategic thinkers, along with focusing on the goal, comprehending past, present, and future events, asking the right questions, and spotting opportunities. These abilities foster creative thinking and foster the expansion of businesses.
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suppose a timing element is added to the game, and that jordan buys a ticket first. while lee did not see which ticket jordan bought, lee does know the values in the payoff matrix and that jordan has purchased first. assuming that jordan and lee are both self-interested, lee can infer select one: a. that jordan bought a ticket for the documentary. b. that jordan did not exploit the first-mover advantage. c. that jordan bought a ticket for the comedy. d. that jordan's threat to buy a ticket for the comedy is not credible.
Let's say there is a timing component introduced to the sport, and Jordan purchases a ticket first. Lee then purchases a ticket after witnessing Jordan's selection. There will be two Nash equilibria as a result.
What characteristics define a successful outcome?Realistic, measurable, and detailed outcome statements are good. Consider carefully what you can actually accomplish in light of the target demographics and the extent of your available resources. Develop the following results: • Your outcomes should specify what you hope will occur once your action is finished.
Which four outcomes are there?To offer you a bit more context, I figured I'd speak about those effects. Consequences fall within one of four quadrants. There are four types of punishment: positive punishment, negative punishment, and positive reinforcement.
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automatic stabilizers have the effect of group of answer choices inflation. increasing the long-run supply curve. reducing recessionary gaps. eliminating all recessions.
Automatic Stabilizers are frameworks included in government spending that, without the consent of officials, increase or decrease spending whenever growth is faltering.
• The most well-known mandatory stabilizers appear to be rising personal income contributions and payment plans that include things like retirement benefits or government aid.Automatic stabilizers are adjustments to taxes and spending that take place automatically in response to changes in the economy and replicate discretionary fiscal policy.As more people become eligible for various programs, transfer payments, as one example, generally rise during recessions. As recipients of transfers boost their consumption, overall demand rises. The same objective of raising aggregate demand may be pursued via discretionary fiscal policy during a recession.The fact that automatic stabilizers operate automatically and discretionary fiscal policy necessitates government action is a significant distinction.
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the time between when a recession begins and when the central bank lowers interest rates to stimulate aggregate demand is an example of an:
The time between when a recession begins and when the central bank lowers interest rates to stimulate aggregate demand is an example of an inside lag of monetary policy. (Option D)
What is inside lag?The time it takes for a government or central bank to react to an economic shock is known as the inside lag (or inside recognition and decision lag) in economics. It is the postponement of the execution of a monetary or fiscal policy.
In conclusion, internal lags cause delays in the execution of a policy since it takes time to pinpoint the issue and more time to put monetary measures into place. The central bank's or the government's delay in responding to the country's economic shock is referred to as the outer lag, in comparison.
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The complete question can be found below:
The time between when a recession begins and when the central bank lowers interest rates to stimulate aggregate demand is an example of an:
A. inside lag of fiscal policy.
B. outside lag of fiscal policy.
C. outside lag of monetary policy.
D. inside lag of monetary policy.
Answer: Option D
would you consider setting new goals about the number of online positive reviews attributed to your customer service?
Examples of customer service goals include: improving how you measure customer service, speeding up response times, making it easy for customers to get in touch, and creating a customer-centric culture.
In sales, trade, and economics, a purchaser (every now and then known as a client, consumer, or patron) is the recipient of a great, carrier, product or idea - acquired from a vendor, seller, or dealer via an economic transaction or alternate for money or a few different valuable attention. Early societies relied on a present economic system based totally on favors. Later, as commerce evolved, much less permanent human family members had been fashioned, relying extra on transitory wishes instead of enduring social goals on. Clients are normally stated to be the clients of goods and services, whilst customers are folks that get hold of customized recommendations and answers.
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44. jerry was in a big hurry to get to school because he had a group project presentation that day. he was driving north on temple avenue approaching university avenue in pomona. he saw the light turn from yellow to red and he drove faster since he honestly thought he could reach the intersection before any pedestrians began to cross the road. however, as jerry drove through the intersection he struck a pedestrian, peter, who was legally crossing the street. due to this incident, peter was seriously injured. peter sued jerry for damages. what would be the best category of tort for jerry's actions? a. intentional tort, because jerry knew that the light was red when he crossed the intersection. b. product liability, because jerry was using a mass-produced product (a car) when peter was injured. c. negligence, because car accidents are usually caused by carelessness. d. strict liability, because jerry ran the red light which is a violation of the california vehicle code.
The best category of tort for jerry's actions is negligence, because car accidents are usually caused by carelessness.
A tort is a civil wrong that causes a claimant to suffer loss or harm, resulting in legal liability for the tortious act's perpetrator. Tort law differs from criminal law in that it deals with criminal wrongs that are punishable by the state.
Tort law's primary goals are to provide relief to injured parties for harm caused by others, to hold parties responsible for the harm accountable, and to deter others from committing harmful acts.
Hence, the correct answer is "C"
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find the agi and taxable income: responses $12,400 and $11,270 $12,400 and $11,270 $23,670 and $11,270 $23,670 and $11,270 $23,670 and $12,400 $23,670 and $12,400 $11,270 and $23,670 $11,270 and $23,670
The AGI and taxable income is $23,670 and $11,270.
AGI calculation can be done as follows:
It is determined by subtracting certain deductions or "adjustments" that can be claimed from gross income subject to income tax, such as employment, dividends and interest from bank accounts.
AGI is calculated before any standard or specific deductions recorded in later sections of the tax return.
We have given that,
Gross income = $23670
1 Exemption = $12400
Adjustment = 0
Deduction = 0
Find AGI and Taxable income
AGI = Adjusted gross income
we know,
AGI = Total income - Any deduction or any adjustment
AGI = ($23,670 + $12400) - (0 + 0)
AGI = $36070
Now, Calculate taxable income
Taxable income = Gross income - 1 Exemption
= $23670 - $12400
= $11,270
Hence, the AGI and taxable income is $36,070 and $11,270
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a stock has a beta of 1.1, the expected return on the market is 10.4 percent, and the risk-free rate is 4.75 percent. what must the expected return on this stock be?
The expected return on stock with beta 1.1, return on the market as 10.4 percent and risk-free rate as 4.75 percent will be 10.97 %.
Write a short note on CAPM.The relationship between expected return for assets, particularly stocks, and systematic risk, or the general dangers of investing, is described by the Capital Asset Pricing Model (CAPM).
The needed return on an investment and risk are connected linearly under this financial model. The equity risk premium, or the expected return on the market less the risk-free rate, is the foundation of the concept. It is based on the link between an asset's beta, the risk-free rate (usually the rate on Treasury bills), and these two variables.
To quantify this systematic risk, the CAPM was created. Given the risk involved with the assets and the cost of capital, it is frequently used in finance to value hazardous securities and calculate expected returns.
To solve the question :
Converting all the values to decimal y multiplying by 100
Risk free rate = 4.75/100
= 0.475
Return on market = 10.4/100
= 0.104
The expected return on stock :
[tex]r_{i} = r_{f} + (r_{m} -r_{f} )\beta _{i}[/tex]
Where,
[tex]r_{i}[/tex] = expected return on stock
[tex]r_{f}[/tex] = risk-free rate
[tex]r_{m}[/tex] = return on the market
[tex]\beta_ {i}[/tex] = beta
Then,
[tex]r_{i}[/tex] = .0475 + (.1040 - .0475)(1.10)
[tex]r_{i}[/tex] = .1097, or 10.97%
Therefore, the expected return on this stock is 10.97 %
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