Esmeralda was depositing $651.05 into her savings account every month in order to have $100,000 in her account after 10 years at an interest rate of 6% compounded monthly.
It is required to find out how much money Esmeralda was depositing into her savings account monthly.
The formula to calculate the future value of annuity due is given by:
FV = Pmt × [(1 + r)n – 1] / r × (1 + r)
where, FV is the future value of the annuity, Pmt is the periodic payment, r is the interest rate, and n is the number of payments.
Substituting the values, we get:
$100,000 = Pmt × [(1 + 0.06/12)^(10 × 12) – 1] / (0.06/12) × (1 + 0.06/12)$100,000
= Pmt × [(1.005)^120 – 1] / 0.00505$100,000
= Pmt × 153.364Pmt = $100,000 / 153.364Pmt
= $651.05
Therefore, Esmeralda was depositing $651.05 into her savings account every month.
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Explain in detail two engagments. ASAP
Answer:
easy a
Explanation:
easy a
What Is NOT one of the three primary resources that farnilies have to reach financlal goals?
A.Education
B.Energy
C.Time
D.Money
Answer:
I think it would be education
Explanation:
Answer: A. Education
Explanation:
Kyle failed to make his payment by the first of this month. Kyle’s monthly payment is currently $1,200. If Kyle decides to split the missing payment into two parts and pay it over the next two months, which of the following statements is false? a. Kyle will be reported to a credit agency. B. Kyle will be charged a $75 late fee for the missing payment. C. Kyle has one business week to inform his bank of the late payment. D. Kyle’s monthly payments for the next two months will remain $1,200.
Based on the fact that he missed his monthly payment, it is false to say that D. Kyle’s monthly payments for the next two months will remain $1,200.
What happens when Kyle misses payment?He will be reported for this default to a credit agency. He will incur penalties which will be added to future payments.This means that his payments in the next two months will not be the same as the current month of $1,200 but will rather increase based on the penalty charged.
In conclusion, option D is correct.
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Answer:
D
Explanation:
Loptech, a technology firm, wants to issue bonds for investment purposes. Loptech has one of the best credit ratings in the industry. Market rates for debt instruments average at .5% interest. Based on its credit rating, Loptech would likely sell bonds that pay _____.
0.25%
Indeterminable with current information
0.5%
0.75%
Answer:
The best option available is:
0.25%
Explanation:
Since Loptech has a great credit rating, it will pay a very low interest rate, at least lower than the average. Since the average interest rate is 5%, you should expect them to pay less than 5%. You cannot determine exactly what interest rate they will pay but if we consider the available options, the best choice is 0.25%.
Credit ratings work similarly for people and companies, e.g. the average interest rate charged by credit cards is around 14.5%, but people with very high credit scores, like 800 or so, will generally pay between 8-10% interest rates, while people with very low credit scores will pay over 20%.
A nurse is caring for a postoperative client after a scheduled ileostomy. which action by the nurse reflects an effective cognitive outcome?
As a nurse caring for a postoperative client after a scheduled ileostomy, the action that reflects an effective cognitive outcome is "The nurse describes the steps to clean and change the ostomy pouch and has the client demonstrate the procedure."
A cognitive outcome is a result or consequence of a cognitive process. It is a specific behavioral goal that the patient is expected to accomplish. When a patient can recall, understand, analyze, apply, evaluate, and create information, it is referred to as a cognitive outcome.
Nurses who are responsible for client education must evaluate their clients' cognitive results to assess if their client has achieved the educational objectives and, as a result, can be discharged from the hospital.Action that reflects an effective cognitive outcome:In this scenario, the nurse's description of the steps to clean and change the ostomy pouch and has the client demonstrate the procedure reflects an effective cognitive outcome.
The nurse should provide clear instructions about how to care for the ostomy to the client. This includes explanations on how to empty the pouch, remove and replace the appliance, as well as how to maintain skin integrity around the stoma.A cognitive outcome is an effect of a cognitive process.
When a patient can recall, understand, analyze, apply, evaluate, and create information, it is referred to as a cognitive outcome.
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The primary purpose of the real estate settlement procedures act is to ensure that buyers ______.
The primary cause of the real estate agreement approaches act is to make sure that customers are provided with well-timed facts on the character and fees of the agreement system.
Real estate settlement strategies Act:
(the Act) became powerful on June 20, 1975. The Act calls for lenders, loan brokers, or servicers of domestic loans to provide debtors with pertinent and well-timed disclosures regarding the nature and costs of the actual estate settlement technique.
Real estate — or actual property — is immovable assets together with land and homes. The time period may also suggest the enterprise of buying, selling, or making an investment in houses, land, or other real assets. real estate is using pressure on the economy and generates most household wealth in the U.S.
There are 3 predominant forms of real estate properties: vacant land, residential properties, and industrial houses. Vacant land permits you the possibility to either construct something or rent it out.
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The free cash flows (in millions) shown below are forecast by Simmons Inc. If the weighted average cost of capital is 13% and the free cash flows are expected to continue growing at the same rate after Year 3 as from Year 2 to Year 3, what is the Year 0 value of operations, in millions?
Year: 1 2 3 Free cash flow: −$20 $42 $45
$680
$648
$617
$586
$714
Answer:
If the weighted average cost of capital is 13% and the free cash flows are expected to continue growing at the same rate after Year 3 as from Year 2 to Year 3, ...
Explanation:
Rosie's has 1,300 shares outstanding at a market price per share of $10. Sandy's has 2,000 shares outstanding at a market price of $23 a share. Neither firm has any debt. Sandy's is acquiring Rosie's. The incremental value of the acquisition is $1,800. What is the value of Rosie's to Sandy's
Answer:
$14,800
Explanation:
Rosie's has 1,300 shares outstanding at a market price of $10
Sandy's had 2,000 shares outstanding at a market price of $23
The incremental value of the acquisition is $1,800
Therefore, the value of Rosie's to Sandy's can be calculated as follows
=( 1,300×$10)+$1,800
= $13,000+$1,800
=$14,800
Hence the value of Rosie's to Sandy's is $14,800
which one of these is an example of a necessary debt
Answer:
An example of unnecessary debt is when you change your clothes and don't really need on a high-interest score. Thus option C is correct.
What is unnecessary debt?
An unnecessary debt can be caused by a variety of issues such as expensive life events, having children, or moving to a new house. It may also be due to poor money management. The debt is due to those things that are not needed and hence are unnecessary.
Explanation:
The emergence of self-driving cars is an example of ""creative destruction"" because.
This is because: Self-driving cars will be less expensive to build than current cars.
What is creative destruction?This term was coined by Joseph Schumpeter. The concept of creative destruction refers to the process of economic innovation, in which some products are replaced by others, or some firms die because they are driven out of the market by others, and so on.
When a company produces a new good that makes the old ones already in the market obsolete, the company is said to be creatively destroying the old goods.
An classical example of creative destruction occurred when Steve Jobs introduced the Iphone in 2007.
Therefore, the emergence of self-driving cars is an example of ""creative destruction"" because self-driving cars will be less expensive to build than current cars
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could someone explain to me what the money market in Italy is, thank you all
Explanation:
Two main markets comprise the Borsa Italiana: the Mercato Telematico Azionario (MTA), which is the segment for mid- and large-size companies; and the AIM Italia, which was established in 2009 to cater for high growth small and medium enterprises needing more flexibility around the reporting and governance requirements.
Which of the following is not true of job-order costing? a.The key document for accumulating manufacturing costs is the job-order cost sheet. b.It is used in firms that produce homogeneous products. c.The cost of each job is accumulated on the job-order cost sheet. d.All of these choices are correct.
The following is not true of job-order costing it is used in firms that produce homogeneous products.
What is Job Order Costing?
Job order costing is a costing method which is used to determine the cost of manufacturing each product. This costing method is usually adopted when the manufacturer produces a variety of products which are different from one another and needs to calculate the cost for doing an individual job. Job costing includes the direct labor, direct materials, and manufacturing overhead for that particular job.
This costing method is usually adopted when the manufacturer produces a variety of products which are different from one another and needs to calculate the cost for doing an individual job. Job costing includes the direct labor, direct materials, and manufacturing overhead for that particular job.
Therefore, we can conclude that all the options A,C, and D . are all characteristics of a job order costing system. It means that option B, it is used in firms that produce homogeneous products, is not a characteristic of a job order costing system.
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Jonathan is a photographer. He has been hired by a company to shoot an advertisement for their product. Which role does Jonathan play in the advertising process for the product? Jonathan plays the role of a in the advertising process for the product.
Jonathan is a photographer. He has been hired by a company to shoot an advertisement for their product. Jonathan plays the role of a consultant in the advertising process for the product.
What is a consultant?Generally, A professional who, in addition to providing advice, engages in additional activities that serve a purpose related to their area of expertise is known as a consultant. As a kind of contingent labor, consulting services are often classified as falling within the umbrella of professional services.
Consultants, who are often known as management consultants, assist businesses in dealing with change and finding solutions to issues in order to make such businesses run more effectively and, as a result, more financially.
In order to assist their client organizations in becoming more successful in their commercial endeavors, consultants provide them with guidance and knowledge.
In conclusion, Since Jonathan was brought in from outside the organization to do a particular task, I would classify him as a contract employee, sometimes known as a consultant.
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CQ
Jonathan is a photographer. He has been hired by a company to shoot an advertisement for their product. Which role does Jonathan play in the advertising process for the product? Jonathan plays the role of a ____ in the advertising process for the product.
it is possible to do two different tasks well at the same time.
It's impossible. You can't do two tasks at the same time without compromising performance.
The problem is that there is no such thing as multitasking. True multitasking (performing multiple tasks at once) is a myth, as multiple studies confirm. People who think they can focus their attention on multiple tasks at once don't actually get much done. The problem is that your brain is not programmed to focus on a specific daily activity and on collective, long-term goals at the same time.
Studies show that about 70% of people think they are better at multitasking than the average person, but about 2.5% of people can actually multitask without slowing down.
Multitasking is the ability to perform two or more tasks simultaneously that require both attention and various advanced cognitive processes. All human behavior requires an interconnected set of brain functions to perform tasks efficiently.
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Using the spell-checker feature of a word-processing program, you can be confident that it will find all of the errors. O True O False
Answer:
Theirs a chance that it will. But puncuation Im not sure
Explanation:
Answer:
Answer: False
Explanation:
Edge 2020
What are the prerequisites for co-founders? Choose all that apply.
- Bring a pre-existing friendship - Offer complementary skill sets - Share a common vision and values
The "pre-requisites" for the "co-founders" are : (b) Offer complementary skill sets, and (c) Share a common vision and values.
When starting a business venture, it is important to have a strong founding team in place.
The "Co-founders" play a critical role in shaping the direction and success of a business, and there are certain prerequisites that can increase the likelihood of a successful partnership.
(i) Offer complementary-skill sets: Co-founders should bring different skill sets and areas of expertise to the table. This allows each founder to focus on what they do best and contribute to the business in a unique way.
(ii) Share a common-vision and values : Co-founders should have a shared vision for the company and be aligned on the values and principles that will guide the business.
This ensures that everyone is working towards the same goals and that there is a clear direction for the company.
Therefore, the correct options are (b) and (c).
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The given question is incomplete, the complete question is
What are the prerequisites for co-founders? Choose all that apply.
(a) Bring a pre-existing friendship
(b) Offer complementary skill sets
(c) Share a common vision and values
Which examples demonstrate common qualifications for Security and Protective Services careers? Check all that apply.
Brooke negotiates with the prison inmates she supervises.
Ami is comfortable working alone and making decisions in her work as a Private Detective.
Reed thinks of creative solutions for defending a client in court.
Vincenzo attends college for many years and earns a juris doctor degree.
Shameka watches for unusual activities and signs of danger as she guards a bank building.
Teddy is a Lifeguard who uses his strength to pull a person out of the water.
Answer:
2,5,6
Explanation:
Ami,shameka,teddy
Answer:
2,5,6
Explanation:
A company purchased $1,800 of merchandise on July 5 with terms 2/10, n/30. On July 7, it returned $200 worth of merchandise. On July 12, it paid the full amount due. Assuming the company uses a perpetual inventory system, and records purchases using the gross method, the correct journal entry to record the payment on July 12 is:
Answer:
The correct journal entry to record the payment on July 12 is:
Accounts Payable $1,600(debit)
Discount Received $32 (credit)
Cash $1,568 (credit)
Explanation:
When Company Purchases Merchandise
Merchandise Inventory $1,800 (debit)
Accounts Payable $1,800 (credit)
When Company Returns some Merchandise
Accounts Payable $200 (debit)
Merchandise Inventory $200 (credit)
When Company pay for the Inventory on 12 July
Note : Payment is made within the Cash discount period and it is eligible for the 2% Cash Discount.
Accounts Payable $1,600(debit)
Discount Received $32 (credit)
Cash $1,568 (credit)
The correct journal entry to record the payment on July 12 is:
Accounts Payable (debit) - $1,600
Discount Received (credit) - $32
Cash (credit) - $1,568
A journal entry is the process of recording any transaction, whether it is commercial or not. An accounting diary that displays the debit, as well as credit balances of a corporation, lists transactions.
The journal entry will be:
1. Merchandise Inventory (debit) - $1,800
Accounts Payable (credit) - $1,800
2. Accounts Payable (debit )- $200
Merchandise Inventory (credit) - $200
3. Accounts Payable (debit)- $1,600
Discount Received (credit) - $32
Cash (credit)- $1,568
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The ledger of Skysong, Inc. on March 31 of the current year includes the selected accounts below before adjusting entries have been prepared.
Answer: See Image Below
The adjusting entries for Skysong, Inc. for March is prepared from the given selected accounts before adjusting entries have been prepared.
What are adjusting entries?Adjusting entries are journal entries that are typically made at the end of an accounting period to allocate income and expenditure to the period in which they actually occurred. Under accrual-basis accounting, the revenue recognition principle serves as the foundation for making adjusting entries for unearned and accrued revenues.
The adjusting entries are as follows:-
No. Date Account Tiles and Explanation Debit Credit
1. March 31 Depreciation expense 756
Accumulated Depreciation expense 756
2. March 31 Unearned Rent revenue 5580
Rent revenue 5580
3. March 31 Interest Expense 360
Interest payable 360
4. March 31 Supplies Expense 1935
Supplies 1935
5. March 31 Insurance Expense 1080
Prepaid Insurance 1080
Therefore, the adjusting entries are prepared on March 31.
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Feelings can be hurt by mutually respecting coworkers. Please select the best answer from the choices provided T F
Answer:
False
Explanation:
A team can be defined as a group of people or set of individuals with various skill set, knowledge and experience coming together to work on a project or task in order to successfully achieve a set goal and objective.
This ultimately implies that, a team comprises of individuals, workers or employees having complementary skills, knowledge and experience needed to execute a project or task successfully. Therefore, workers working as a team usually interact with the other team members and as a result, this enhances performance and strengthen the level of relationship they share.
Basically, when coworkers or employees working in an organization have mutual respect for one another, it would help to tighten or strengthen the bond that exists in the workplace and as such improving their feelings for each other.
This ultimately implies that, feelings cannot be hurt by mutually respecting coworkers.
Under what circumstance would a country have a comparative advantage in
the production of a certain good?
A. It has a lower opportunity cost for production of that good.
B. It has a more highly skilled work force.
C. It has well-developed industrial capacities.
D. It uses an assembly line to produce that good.
Ap3x
Answer: [A] It has a lower opportunity cost for production of that good.
Explanation: It has a lower opportunity cost for production of that good. Comparative advantage comes when a country gives up less than others to engage in a particular type of production.
Answer:
It has a lower opportunity cost for production of that good.
Explanation:
Suppose that the market price decreases from $44 to $41, and as
a result quantity demanded increases from 14 units to 21 units. In
this case, the price elasticity of demand is _____, meaning demand
is
In this scenario, the price elasticity of demand is approximately 2.21, indicating that demand is elastic.
To calculate the price elasticity of demand, we use the formula:
Price Elasticity of Demand = ((% Change in Quantity Demanded) / (% Change in Price))
First, let's calculate the percentage change in quantity demanded:
% Change in Quantity Demanded = ((New Quantity Demanded - Initial Quantity Demanded) / Initial Quantity Demanded) * 100
% Change in Quantity Demanded = ((21 - 14) / 14) * 100
% Change in Quantity Demanded = 50%
Next, let's calculate the percentage change in price:
% Change in Price = ((New Price - Initial Price) / Initial Price) * 100
% Change in Price = ((41 - 44) / 44) * 100
% Change in Price = -6.82%
Now we can calculate the price elasticity of demand:
Price Elasticity of Demand = ((% Change in Quantity Demanded) / (% Change in Price))
Price Elasticity of Demand = (50% / -6.82%)
Price Elasticity of Demand ≈ 2.21
Since the price elasticity of demand is greater than 1, demand is considered elastic. This means that the quantity demanded is highly responsive to changes in price.
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True or false: All other things being equal, taxpayers should prefer to recognize income during high-tax-rate years.
The statement that All things being equal, taxpayers, should prefer to recognize deductions during high tax-rate years is True.
Who are taxpayers?The taxpayers are individuals or organization that is been given responsibility by the government to pay their tax.
However, taxpayers, should prefer to recognize deductions in the period of income during low-tax rate years.
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78
Need just answer no explanation needed please give answer of both
parts in 15 minutes.
i promise i will rate positive if you give both answers
perfect.
What are two actions a leader should take when employees are skeptical about a change intiative? Choose 2 answers Put the change initiative on hold to investigate employee concerns Continue to reinfor
When employees are skeptical about a change initiative, there are two actions a leader can take to address their concerns:
1. Put the change initiative on hold to investigate employee concerns: This involves temporarily pausing the implementation of the change to gather feedback and understand the reasons behind employee skepticism. By actively listening to their concerns, leaders can gain valuable insights and demonstrate their commitment to addressing employee needs. This step shows that leaders value employee input and are willing to take the time to understand their perspectives.
2. Continue to reinforce the positive aspects of the change initiative: While investigating employee concerns, it is important for leaders to maintain a positive outlook and communicate the benefits and goals of the change initiative. Leaders should emphasize the positive impact the change can have on the organization and its employees. By doing so, leaders can help alleviate skepticism by highlighting the potential benefits and addressing any misconceptions or fears employees may have.
By combining these two actions, leaders can create an environment where employees feel heard and valued, while also reinforcing the positive aspects of the change initiative. This approach fosters open communication, trust, and a shared understanding, which can ultimately increase employee support and engagement during times of change.
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Sarah buys 500 shares of stock at $18 and sells the holding for a capital gain of $3,000. What was the share price at the time of the sale?
Answer:
$24
Explanation:
500 * 18 = $9000 worth of stock initially.
She sells with a $3000 gain, which means the value of the stock is $12000
12000/500 = $24
What are the main security concerns with using AI techniques in
industries, and how are they being approached/resolved?
AI or artificial intelligence refers to the use of algorithms and statistical models that allow machines to perform tasks that would normally require human intelligence. While AI has revolutionized industries, there are security concerns associated with it.
What are the main security concerns with using AI techniques in industries, and how are they being approached/resolved?The main security concerns with using AI techniques in industries include the following:Data breaches: Data breaches are one of the most significant security risks associated with AI. Malicious use: Malicious use is another security concern associated with AI. Hackers could use AI to develop more sophisticated attacks, making it more difficult to detect them. Vulnerabilities: AI systems are vulnerable to various types of attacks. These include adversarial attacks, where an attacker manipulates data to trick the system, and backdoor attacks, where an attacker can bypass the system's security measures. AI systems can also be compromised through supply chain attacks, where an attacker targets a third-party supplier of the system or its components.
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Give me food, and I will live. Give me water, and I will die. What am I?
Answer:
a human
Explanation:
Answer:
Fire
Explanation:
Pour water on fire, it will die.
I’m not sure about the food part but:
When you give food/aka wood?? To fire, it will increase its flame even more.
Hope this helps
Of the following tasks, which can you complete via online
and/or mobile banking? Select all that apply.
Answer:
Explanation:
View account and balance information, including pending transactions
Transfer funds between accounts
Complete one-time bill payments
Deposit checks*
Change your TD Debit Card AdvanceSM settings
Access online statements
Go paperless by updating your statement settingssettings
The actions you can carry out through online and/or mobile banking include money transfers, bill payments, and check deposits.
What is mobile banking?Using a mobile device, such as a smartphone or tablet, mobile banking is a service offered by a bank or other financial institution that enables its customers to make financial transactions remotely. In contrast to related internet banking, it utilizes software, sometimes referred to as an app, offered by the financial institution. Mobile banking is typically accessible around-the-clock. Some financial organizations place restrictions on which accounts may be accessed through mobile banking and set a transaction threshold. Internet or data connectivity for the mobile device is necessary for mobile banking.
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What is the main idea of this text?
Mari Copeny takes action to save her city
Readwork
For more information ask
Answer:
Mari's activism helped people around the country to learn more about the problems in her town.
What is the main difference between a market and a command economy?
Answer:
Market economies utilize private ownership as the means of production and voluntary exchanges/contracts. In a command economy, governments own the factors of production such as land, capital, and resources. Most nations operate largely as a command or market economy but all include aspects of the other.