If a mortgage pool consists of five 10rms totaling $500,000, five 9rms totaling $450,000, and ten 8rms totaling $750,000, what is the weighted average coupon (wac) rate?
Answers
The weighted average coupon (WAC) rate would be 8.85%.
What is the weighted average coupon (WAC) rate?
The total amount of interest paid on all debt is the weighted average interest rate. By adding up all interest payments made throughout the measurement period and dividing by the entire amount of debt, this percentage is calculated.To determine the WAC each mortgage or MBS's remaining principal balance is multiplied by the coupon rate.Average% = (10*0.5 + 9* 0.45 + 8 * 0.75)/1.7
= 8.85%.
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Related Questions
Why is the automobile industry considered an oligopoly?
It offers little differentiation within the market.
It has significant barriers to entry.
It is controlled by companies that patent key technology.
It relies on price variation to attract customers.
It depends on brand loyalty and image to generate sales.
It is dominated by a few key players.
Answers
The reasons that the automobile industry is an oligopoly in market economics are because of B. It has significant barriers to entry and F. It is dominated by a few key players.
An oligopoly is a market condition where the possibility of firms colluding with each other exists.Firms in this market are interdependent, especially with regards to pricing.
Oligopolistic firms differentiate their products, and they have few producers.There are barriers to entry.
Thus, an oligopoly limits entries to a few key players who dominate the market.
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Answer:
B: It has significant barriers to entry.
E: It depends on brand loyalty and image to generate sales.
F: It is dominated by a few key players.
Who is KitchenAid target market?
Answers
KitchenAid's target market includes home cooks, food enthusiasts, and professional chefs. The brand offers a range of high-quality kitchen appliances and tools designed to make cooking and baking easier and more enjoyable.
These products appeal to a wide range of consumers, from those who enjoy experimenting with new recipes to those who need reliable, durable appliances for daily use.
Whether you are a beginner cook or an experienced chef, KitchenAid has products that can help you create delicious meals and desserts.
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6. Describe at least three things a bank would consider about you when deciding whether to give you a loan. (1-3 sentences. 3.0 points)
Answers
Explanation:
Your Credit History
Your Ability To Pay The Loan
Your Cash Flow History
Monitoring usually occurs through external audits of the firm's finances. The board has an audit committee, and usually the accounting firm doing the audit certifies the reliability of the firm's financial statements. How does this address the principal-agent problem?
Answers
Monitoring through external audits of the firm’s finances ensures that the principal-agent problem is addressed and mitigated. In most organizations, monitoring is performed through external audits of the firm's finances. It is critical because it serves as a checks-and-balances mechanism for ensuring that the agent's financial statements are trustworthy and accurate.
Most firms have an audit committee, and usually, an accounting firm conducts the audit. The accounting firm certifies the reliability of the firm's financial statements, which ensures that the principal-agent problem is addressed. The external auditors ensure that the management's accounting books and records accurately reflect the company's transactions. In the absence of monitoring through external audits, the agent (management) may take self-interested actions that are detrimental to the principal (shareholders) interest. External auditors, therefore, are a vital component in addressing the principal-agent problem.In summary, external audits ensure that the agent's actions align with the principal's interests. External audits provide unbiased opinions on the firm's financial statements, which reduces information asymmetry between the principal and the agent. In the absence of monitoring, the agent can make self-serving decisions that are detrimental to the principal. Therefore, monitoring through external audits is crucial in addressing the principal-agent problem.
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A trust established by your will that becomes effective upon your death is called a(n) ____________ trust.
testamentary
living
irrevocable
revocable
Answers
Answer:
testamentary trust is the answer.
Answer: hello, your answer would be TESTAMENTARY
Explanation:
i just finished the test and got it right
The marginal benefit of an activity is the: Group of answer choices total benefit of an activity divided by the level of the activity. total benefit associated with an extra unit of the activity. extra benefit associated with an extra unit of the activity. same as the total benefit of an activity
Answers
The marginal benefit of an activity is the additional benefit obtained from consuming or producing one more unit of that activity. It helps decision-makers assess the efficiency and desirability of increasing or decreasing the activity's level.
The marginal benefit of an activity refers to the additional benefit or utility derived from engaging in one more unit or increment of that activity.
It represents the change in total benefit associated with the consumption or production of an extra unit of the activity. In other words, it quantifies the additional gain or advantage obtained by increasing the level of the activity by one unit.
The concept of marginal benefit is essential in economics, as it helps individuals, businesses, and policymakers make rational decisions about resource allocation and optimization.
By comparing the marginal benefit to the marginal cost (the additional cost incurred from the activity), individuals and firms can determine whether the activity should be pursued further or scaled back.
To calculate the marginal benefit, one would compare the total benefit of the current level of the activity to the total benefit of the next unit.
The difference between these two total benefits represents the marginal benefit. By considering the marginal benefit, decision-makers can assess the efficiency and desirability of increasing or decreasing the level of the activity.
In summary, the marginal benefit of an activity represents the extra benefit gained from consuming or producing one more unit of that activity and is calculated by comparing the total benefits of the current level and the next unit.
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Ratios that measure liquidity include all of the following except:
A. leverage ratio
B. quick ratio
C. current ratio
D. inventory ratio
Answers
The answer is D. Inventory ratio. Ratios that measure liquidity are meant to assess a company's ability to meet its short-term obligations. The leverage ratio is a measure of a company's debt level relative to its assets or equity.
The current ratio compares a company's current assets to its current liabilities, while the quick ratio is a more stringent measure of liquidity that excludes inventory from current assets. The inventory ratio, on the other hand, is a measure of a company's ability to manage its inventory effectively and efficiently, and does not directly relate to liquidity. In general, a higher current ratio or quick ratio indicates greater liquidity, as it suggests that a company has sufficient current assets to meet its current liabilities.
The term you're looking for that does not measure liquidity among the options provided is A. leverage ratio. Liquidity ratios help determine a company's ability to meet its short-term financial obligations. These ratios include B. quick ratio, C. current ratio, and D. inventory ratio.
B. Quick ratio, also known as the acid-test ratio, measures a company's ability to pay short-term liabilities using its most liquid assets, excluding inventory. It is calculated as (Current Assets - Inventory) / Current Liabilities.
C. Current ratio is a measure of a company's ability to pay short-term liabilities using its total current assets. It is calculated as Current Assets / Current Liabilities.
D. Inventory ratio, also known as the inventory turnover ratio, measures the efficiency of a company's inventory management. It is calculated as Cost of Goods Sold / Average Inventory.
In contrast, A. leverage ratio measures a company's debt levels in relation to its equity. It is used to assess a company's financial risk and stability, not its liquidity. Common leverage ratios include the debt-to-equity ratio and the debt ratio.
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WILL GIVE BRAINLIEST, NEED HELP ASAP
1. A company can reduce a surplus of goods if they:
A. Decrease the price
B. Increase the price
C.Does not change the price
2. IPhones have been placed for sale in the market. They can only produce 1 million phones a month, but 200 million want to buy a phone each month creating a shortage. How can Apple eliminate the shortage?
A. Increase the price
B. Decrease the price
C. Do nothing to the price
Answers
Research the meanings of the following white collar crimes on the web and give a
brief meaning using your own words.
Insider trading
Larceny
Forgery
Counterfeit
Answers
Answer:
Insider trading - persons who have access to sensitive or important non-public information about a corporation trading its securities
Larceny - the stealing and transporting of personal property without the owner's consent with the purpose to rob like stealing that persons bike shoplifting
Forgery - the fraudulent act of creating, modifying, or imitating (as a document or signature).
Counterfeit - an item that unlawfully utilizes the trademark of another without that person's consent. By producing or offering a fake.
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Which of the following statements is TRUE if a bond is issued for an amount higher than face value? A) The bond's stated interest rate is less than the prevailing market interest rate at time of sale. B) The bond's stated interest rate is the same as the prevailing market interest rate at time of sale. C) The bond's stated interest rate is more than the prevailing market interest rate at time of sale. D) The bond is not secured by specific assets of the issuer. E) none of the above
Answers
(C) The bond's stated interest rate is more than the prevailing market interest rate at the time of sale is true.
The interest rate that appears on a bond coupon is known as the stated interest rate. This represents the real interest that the bond issuer has paid. The quoted interest rate is 6% if the issuer pays $60 for a bond with a $1,000 face value.
The estimated cost of the loan that even a bank charges, given as a percentage, is the stated interest rate. Other fees related to borrowing the money are not factored into this interest rate.
Most bonds have a fixed rate of return that increases in attractiveness when interest rates decline, increasing demand and bond price. In contrast, if interest rates increase, investors won't favor the lower fixed rate paid by a bond as much.
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The young men below are in colloquial language, “getting their hustle on!” Explain how their business is a sole proprietorship. Secondly, explain why the government will have a difficult time taxing this type of business.
Answers
These businesses are typically not registered with the government, and they do not have an official structure.
The government may be unwilling or unable to regulate these types of businesses because they are frequently viewed as necessary for economic growth and development.
In colloquial language, the young men below are "getting their hustle on." A sole proprietorship is a type of business that is owned and operated by a single individual. The young men's business can be referred to as a sole proprietorship since they are the sole owners of the business.
They are the ones who started the business, are responsible for all of its operations, and are accountable for all of the profits or losses.The government will have a tough time taxing this type of business for a variety of reasons.
Firstly, these businesses are typically not registered with the government, and they do not have an official structure. As a result, it's difficult for the government to track their activities and evaluate their taxes.
Secondly, many of these businesses operate in the informal sector, and they do not have formal accounting procedures or systems in place. As a result, it's difficult for the government to determine their exact revenue and taxable income.
Thirdly, these businesses are frequently involved in cash transactions, and it's difficult for the government to monitor their cash flow and revenue. As a result, they may not accurately report their earnings or pay the required taxes.
Finally, the government may be unwilling or unable to regulate these types of businesses because they are frequently viewed as necessary for economic growth and development. As a result, they may not be heavily taxed, if at all, since the government may be hesitant to discourage their operations.
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Tamar Co. manufactures a single product in one department. All direct materials are added at the beginning of the manufacturing process. Conversion costs are added evenly throughout the process. During May, the company completed and transferred 23,500 units of product to finished goods inventory. Its 5,400 units of beginning work in process consisted of $17,300 of direct materials and $329,940 of conversion costs. It has 3,600 units (100% complete with respect to direct materials and 80% complete with respect to conversion) in process at month-end. During the month, $497,600 of direct material costs and $2,519,100 of conversion costs were charged to production.
Prepare the journal entry dated May 31 to transfer the cost of completed units to finished goods inventory. (Do not round intermediate calculations. Round your final answers to the nearest whole dollar.)
Answers
Answer:
May 31, 202x, 23,500 units completed and transferred out
Dr Finished goods inventory 2,984,500
Cr Work in process 2,984,500
Explanation:
beginning WIP 5,400 units
materials $17,300
conversion $329,940
ending WIP 3,600 units
materials 100% complete
conversion 80% complete (2,880 EU)
units completed and transferred out 23,500
units started and completed 18,100
costs added during the period
materials $497,600
conversion $2,519,100
total costs
materials $514,900
conversion $2,849,040
total EU
materials 18,100 + 5,400 + 3,600 = 27,100
conversion 18,100 + 5,400 + 2,880 = 26,380
cost per EU
materials $514,900 / 27,100 = $19
conversion $2,849,040 / 26,380 = $108
total = $127
costs assigned to finished units = $127 x 23,500 = $2,984,500
how did the hawley-smoot tariff contribute to the growing economic crisis during the early 1930s?
Answers
Answer: The Hawley Smoot Tariff seriously backfired as furious European countries imposed a tax on American goods making them too expensive to buy in Europe, and restricting trade which contributed to the economic crisis of the Great Depression.
Explanation: The Hawley Smoot Tariff was signed into law on June 17, 1930, eight months after the 1929 Wall Street Crash and the start of the Great Depression.
The purpose of the Hawley Smoot Tariff was to raise tariffs on imports to protect American manufacturers from foreign competition. By raising tariffs to record levels the Hawley Smoot Tariff resulted in Americans buying few foreign products which infuriated countries in Europe.
In pure competition, producers compete exclusively on the basis of
a. selling identical items.
b. advertising heavily to promote their good.
c. producing the unique features of their good.
d. focusing on maintaining a positive image.
Answers
Answer:
a. selling identical items.
Explanation:
A pure competition market is characterized by many firms selling a homogeneous product in a market with many buyers. There are no dominant suppliers; hence no single or group of sellers can influence the price. Pure competition is also the perfect competition.
The key characteristics of pure competition are
There are many buyers and sellersAll firms sell an identical productAll sellers are price takers. None can influence pricesThere is intense competition due to the high number of sellersEase of entry and exit from the market.A. selling identical items.
Five years ago Thompson, an investor, ran across a board game that he enjoyed and believed the game would become very popular. He purchased 1,000 shares of the corporation that publishes the game. Unfortunately, the game was too complex for most casual game players and sales never amounted to much. Over the five years, the stock of the publisher has remained steady, but has not increased in value. This is an example of
Answers
This is an example of Business risk.
Business risk is the business a company Invested their money into which later reduce their profit or become unsuccessful.
A company or organization that enter into business in which they are unable to gain that financial target they aim for after investing their money into the business is known as business risk.
Any Business a person, company or organization choose to enter into is a risk as you cannot actually predict what the outcome will be as to whether it will lead to financial gain or loss until you start the business.
Inconclusion This is an example of Business risk
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Answer:
Business Risk! Believe it!
Explanation:
In this discussion board, identify the following:
1. What is creative commons?
2. When would you use creative commons?
3. What are the various licenses? Explain each one
Answers
With affiliates all over the world who assist in making sure our licenses are accepted internationally and spreading awareness of our work, the Creative Commons is a multinational nonprofit organization that promotes the sharing and reuse of creativity and knowledge through the free legal tools.
An worldwide active non-profit organization called Creative Commons (CC) offers free licenses for usage by creators when making their work accessible to the general public. These licenses make it easier for the author to grant upfront authorization for others to utilize the work under specific restrictions. An worldwide active non-profit organisation called Creative Commons (CC).
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Factors that have led to dominance of subsistence production despite development in technology in Kenya
Answers
Answer:
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Journal Information
This distinguished journal was founded and edited for more than 20 years by the late Harold Marcus, whose energy and dedication to the scholarly study of Ethiopia and its neighbors in the Horn of Africa inspired several generations of students and scholars throughout the world. While Northeast African Studies will bring some changes in focus and format, the editors remain committed to the high standards of research, writing, and production that the original journal championed.
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Subsistence farming means the type of farming practiced in some region where majority of the crops and livestock being raised are used to maintain the farmer and his/her family.
Only the excess produce of Subsistence farming allows for sale or trade in the market.However, the dominance of subsistence production in some region such as Kenya and other part of Africa are caused by the following:
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Plz Hurry I am timed!
A chain of coffee servers is sending a spreadsheet of projected costs and profits to some of its investors. When, Kyle, the administrator making the spreadsheet, adds an image of his company’s logo, he realizes it would fit and look best if turned to read sideways.
How can Kyle change the image to make it fit in such a way?
A) He can select the image and hold down on the green handle above it while sliding the mouse.
B) He can select the image and hold down Control while sliding the scroll bar to the right.
C) He can press the PivotTable button and select “Rotate 90 degrees” and then click OK.
D) He can click on the Pictures Tool tab and select press Artistic Effects to access the rotate option.
Answers
Answer: A) He can select the image and hold down on the green handle above it while sliding the mouse.
Explanation:
After inserting the picture, if he wants the logo to read sideways, his best bet is to rotate it. He can do this by clicking on the picture and then clicking and holding down the green handle above the image which would look like a rotating arrow.
While holding it down, he should then slide the mouse and the picture would rotate. He can stop rotating at an angle he deems appropriate.
Answer:
A
Explanation:
Just took the test
In response to the greatest financial crisis since the Great Depression of the 1930s, the ______ administration proposed to overhaul regulation and increase oversight of the financial system.
Answers
Answer:
In response to the greatest financial crisis since the Great Depression of the 1930s, the Obama administration proposed to overhaul regulation and increase oversight of the financial system.
Explanation:
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What type of insurance would cover a cover a customer injury caused by a product design defect?
Answers
Answer:product liability
Explanation:
Apex
According to the video, which activities are Executive Secretaries and Administrative Assistants likely to do? Check all that apply. Supervise office staff, prepare presentations, conduct research, create a budget, file paperwork, greet visitors
Answers
Answer: supervise office staff
Prepare presentations
Conduct research
Explanation:
Answer:
Answer: supervise office staff
Prepare presentations
Conduct research
Explanation:
Judy needs to take out a personal loan for $2,500 for tuition assistance. Her bank has offered her one of the four loan packages outlined in the chart below. Determine which of the four loans will be cheapest for Judy in the long run. All interest rates are compounded monthly. Loan Duration (Months) Interest Rate A 12 9. 50% B 24 8. 75% C 36 7. 75% D 48 6. 60% a. Loan A b. Loan B c. Loan C d. Loan D.
Answers
Based on the present values of the personal loan of $2,500 at their different duration and interest rates, the cheapest loan is a. Loan A.
Data and Calculations:
Loan Duration (Months) Interest Rate Payments Total Interest
Monthly Total Expense
A 12 9. 50% $219.21 $2,630.51 $130.51
B 24 8. 75% $113.93 $2,734.21 $234.21
C 36 7. 75% $78.05 $2,809.90 $309.90
D 48 6. 60% $59.40 $2,851.33 $351.33
Personal loan amount = $2,500
Thus, Loan A is the cheapest because it has the highest present value and the lowest interest expense.
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which promotional issue is when promotion stimulates demand?
Answers
In case whereby, promotion stimulates demand, then it could bring about lower prices for consumers which can be regarded as promotional issue to the brand.
For demand to be stimulated, the customers needs are expected to be understood by the brands, and this is at the center of marketing communications.We can conclude that for promotion to stimulates demand, the result could be lowering of price of goods for the consumer.
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Organizational buying behavior is similar to consumer behavior in some ways and different in others. One key difference is that in the organizational buying process, Multiple Choice fewer individuals are involved. firms are not affected by derived demand. the post-purchase evaluation behavior is more formalized. only four stages are used. there is less reliance on gatekeepers to control product information.
Answers
It should be noted that organizational buying behavior is similar to consumer behavior in some ways and different in others.
However, One key difference is that in the organizational buying process is that they use the same five stages in the buying decision process.
What is decision process?Decision process can be regarded as the process that the consumer will go through before deciding to make a purchase.
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What is the difference between a partner and a limited (silent) partner?
Answers
Answer:
see below
Explanation:
In a partnership business with general and limited partners, the general partners act as business owners, while the limited partners behave like investors. Limited partners are silent partners. They inject capital in the business and get to share in its profits. Limited partners are not engaged in managing the business affairs and have no voting rights. They have limited liability to the debts of the partnership.
General partners make all the business decisions on behalf of the business. They vote and have the right to get involved in managing the partnership. General partners have unlimited liabilities to the obligations of the partnership.
well apparently i have 25 points here u go
Answers
Answer:
thank you
Explanation:
you so niceee
Answer:
ez
Explanation:
Workplace diversity describes differences among workers in any of the following areas:
attitude
education
ethnicity
industry
Answers
Answer:
industry because here based the all the business in whole world
What are the required components of a database function? Check all that apply. = D in front of the command a single argument range field criteria.
Answers
The required components of a database function in the computer science and programming includes:
=D in front of the command Range Field CriteriaAccording to the given question, we are asked to state the required components of a database function and how this is essential for the database to function properly.
As a result of this, we can see that the required components of the database function include the =, the range, field, criteria and the D in front of the command.
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Answer:
your answer is a b d e f
Explanation:
the magnitude of operating leverage for perkins corporation is 4.5 when sales are $100,000. if sales increase to $110,000, profits would be expected to increase by what percent? a. 4.5% b.14.5% c.45% d.10%
Answers
It would be anticipated that the profit would rise by 45%. The appropriate response to the given question is option (c).
What is Operating Leverage?The percentage of a company's cost structure that is made up of fixed expenses as opposed to variable costs is measured by operating leverage. A corporation is said to have more operating leverage if its fixed expenses are higher than its variable costs.
Magnitude of operating leverage= 4.5
Old sales= $100000
New sales= $110000
Percentage increase in sales:
(New-old)/old = (110,000-100,000)/100,000
= 10%
Consequently, a percentage rise in profit might be anticipated:
sales percentage growth times the degree of operational leverage
= 10% * 4.5
= 45%
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The household income for the Washington family is $100,000, and they pay an income tax rate of 25%. What is the Washington's
annual disposable income?
-0)
A)
$100,000
B)
$25,000
C)
$50,000
D)
$75,000
Answers
Answer:
D)
$75,000
Explanation:
Disposable income is the diffrenced between gross pay and deductions.
Net pay =$100,000
the come tax = $100,00 -$25,000
=$75,000