In nonindustrial societies, Multiple choice question. Work and social life are intertwined. Workers feel alienated from the products they make. Work is separate from family. Workers feel little close relationship to the people who work with them

Answer: am rebellious, outgoing, and expressive

Explanation:

The principal payments to each of the three classes for the first year can be calculated using the interest and principal repayments over the first year from part (b). Since there is no amortization of principal, the principal payments are simply equal to the negative of the principal repayments over the first year. Therefore:

Tranche A: -$10,540,066.40 (i.e., 4 x -$2,635,016.48 x ($25 million / $100 million))

Tranche B: -$21,080,132.80

a. The quarterly mortgage payment can be calculated using the following formula:

PMT = (r / (1 - (1 + r)^(-n))) x PV

where PMT is the quarterly mortgage payment, r is the quarterly interest rate, n is the total number of quarterly payments over the life of the mortgage, and PV is the present value of the mortgage.

Using this formula with r = 0.05 / 4 = 0.0125, n = 30 x 4 = 120, and PV = $100 million, we get:

PMT = (0.0125 / (1 - (1 + 0.0125)^(-120))) x $100 million = $591,245.88

Therfore, the quarterly mortgage payment is $591,245.88.

b. The interest and principal repayments over the first year can be calculated as follows:

First, we need to calculate the interest component of the quarterly mortgage payment:

Interest payment = beginning balance x quarterly interest rate

= $100 million x 0.05 / 4

= $1,250,000

The principal repayment is then:

Principal repayment = quarterly mortgage payment - interest payment

= $591,245.88 - $1,250,000

= -$658,754.12

Note that the principal repayment is negative, indicating that the balance on the mortgage has increased due to the interest payment being greater than the mortgage payment. This is because the mortgage payments are not high enough to fully amortize the loan over 30 years.

Therefore, the interest repayment over the first year is $1,250,000 and the principal repayment over the first year is -$2,635,016.48 (i.e., 4 x -$658,754.12).

c. To construct a CMO using this mortgage pool as collateral, we need to divide the pool into three tranches, with each tranche receiving a different interest rate. The cash flows from the mortgage pool are then allocated to each tranche according to a predetermined priority of payments. In this case, the tranches are:

Tranche A: $25 million, quarterly payments at 4 percent per year

Tranche B: $50 million, quarterly payments at 5 percent per year

Tranche C: $25 million, quarterly payments at 6 percent per year

The priority of payments is typically structured so that the tranches with the lowest interest rates (i.e., the most senior tranches) receive priority in receiving principal payments, while the tranches with the highest interest rates (i.e., the most junior tranches) receive priority in receiving interest payments.

d. Assuming nonamortization of principal and no prepayments, the total promised coupon payments to the three classes can be calculated as follows:

Tranche A: $1 million per quarter (i.e., $25 million x 0.04)

Tranche B: $2.5 million per quarter (i.e., $50 million x 0.05)

Tranche C: $1.5 million per quarter (i.e., $25 million x 0.06)

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The Age Discrimination in Employment Act of 1967 applies if Ben was 40 years old or older when he was replaced by Alice at CBC.

The Age Discrimination in Employment Act of 1967 (ADEA) prohibits employment discrimination against individuals who are 40 years of age or older. Therefore, for ADEA to apply, Ben must have been at least 40 years old when he was replaced by Alice at CBC. If Ben can prove that he was discriminated against on the basis of his age, he may be entitled to remedies such as back pay, reinstatement, or compensatory damages.

It is important to note that discrimination can take many forms, including not hiring or promoting an individual, limiting their job responsibilities, or even terminating their employment. In order to have a successful discrimination claim, Ben will need to provide evidence of the discriminatory intent behind the employment action taken against him.

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i. Central of the Theory, Assumptions, and Limitations:Markowitz's Modern Portfolio Theory (MPT) is an investment theory that seeks to maximize returns for a given level of risk by constructing an optimal portfolio of assets. The theory is based on several central concepts.

- Efficient Frontier: MPT assumes that investors aim to maximize returns while minimizing risk. The efficient frontier represents a set of portfolios that offer the highest expected return for a given level of risk or the lowest risk for a given level of expected return.

- Risk and Return: MPT recognizes that investors face trade-offs between risk and return. It assumes that investors are risk-averse and prefer higher returns with lower risk. MPT quantifies risk as the standard deviation of an asset's returns.

- Correlation and Diversification: MPT assumes that the returns of different assets are not perfectly correlated. By diversifying investments across assets with low or negative correlations, investors can reduce portfolio risk without sacrificing returns.

Limitations include reliance on historical data, assumptions of rationality, and the assumption that markets are efficient.

ii. Return Maximization:

MPT seeks to maximize portfolio returns by selecting assets that offer higher expected returns. It evaluates each asset's historical returns, estimates their future returns, and considers their correlation with other assets. Assets with higher expected returns and low correlation with existing holdings are favored.

iii. Risk Minimization:

MPT aims to minimize portfolio risk by diversifying investments across different assets. By combining assets with low correlations, MPT reduces the overall risk of the portfolio. It allows investors to achieve a lower level of risk for a given level of expected return or a higher level of return for a given level of risk.

iv. Portfolio Diversification:MPT emphasizes the importance of diversification to reduce risk. By investing in assets that do not move in perfect lockstep, MPT takes advantage of the benefits of diversification. Diversification allows losses in some investments to be offset by gains in others, smoothing out overall portfolio performance.

In summary, Markowitz's Modern Portfolio Theory utilizes efficient frontier, risk and return trade-offs, diversification, and correlation analysis to construct portfolios that maximize returns while minimizing risk. By optimizing the allocation of assets, investors can aim for an optimal balance between risk and return.

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A firm that is first to market in a particular area and moves quickly to gather market share is referred to as a "pioneer" or a "first mover."

Being a pioneer means that the firm is the first to introduce a new product, service, or innovation in a specific market or industry. It takes the initiative to develop and launch a new offering, often gaining a competitive advantage by establishing brand recognition, customer loyalty, and capturing a significant share of the market early on.

By being the first mover, the firm can benefit from several advantages. These may include:

1. Market Leadership: The pioneer firm can establish itself as a market leader by capturing a substantial market share ahead of competitors. It has the opportunity to shape customer preferences, set industry standards, and become synonymous with the product or service category.

2. First-Mover Advantage: Being the first to enter the market allows the firm to secure early customer adoption and loyalty. It can build strong brand recognition, establish distribution channels, and gain a head start in building relationships with suppliers and partners.

3. Barrier to Entry: The pioneer firm may create barriers to entry for potential competitors by establishing a strong market presence and customer base. This can make it more challenging for new entrants to gain traction and capture market share.

However, it is important to note that being a first mover also carries risks. There may be uncertainties and challenges in developing a new market, such as the need for significant investments in research and development, marketing, and infrastructure. Additionally, competitors may observe and learn from the pioneer's actions, enabling them to enter the market with improved offerings or strategies.

Overall, a firm that is first to market and acts swiftly to gather market share is commonly referred to as a pioneer or first mover.

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Answer:

D. It reminds the audience of the advertiser's identity.

Explanation:

Marketing can be defined as the process of developing promotional techniques and sales strategies by a firm, so as to enhance the availability of goods and services to meet the needs of the end users or consumers through advertising and market research.

Advertisement refers to the promotional multimedia messages designed and developed to make the products or services of a company known to its customers and potential customers. It is generally considered to be one-sided because it focuses on painting a brand as the best and devoid of any negative issue.

A logo is simply a graphical symbol, emblem or illustration that serves as a means of identity and trademark of a particular company saddled with the responsibility of manufacturing goods and services for its customers. Logos are usually placed or inscribed in all products, so as to differentiate the brand from it's competitors and to make the customers aware of the identity of the manufacturer (advertiser) during an advertisement.

Hence, the statement which best describes the purpose of a logo is that it reminds the audience of the advertiser's identity.

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Answer:

Gj <333

Explanation:

From 2010 to 2015, the population grew by 5%, which is 11,150 people to the nearest 100 people. Population refers to the number of people living in a specific geographic area, such as a country, state, city, or neighborhood.  

Population can also refer to the number of individuals of a particular species living in a specific area. In general, population data is used to understand the demographics and characteristics of a specific area, as well as to make predictions about future population trends and patterns.

From the text we are informed that the population of a city was 223,000 in 2010. From 2010 to 2015, the population grew by 5%. From 2015 to 2020, it fell by 3%.

Hence, to determine the growth of population from 2010 to 2015 is:

223,000 x 0.05 = 11,150

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In the given problem, the Treasury is going to auction $18 billion of 90-day T-bills. Out of the $18 billion, $4 billion is for non-competitive bids. Thus the Treasury receives $14 billion worth of competitive bids.

We have the following table for the competitive bids:

Auction Quantity (in $ billion)

Bid price (in $ per 100 par value)

Competitive bids:3.31003.30983.3097

We need to calculate the revenue received by the Treasury in $ billion from this auction.

In order to calculate the revenue, we need to calculate the weighted average price of the competitive bids.

This will be: (3.3100 × 3.31) + (3.3098 × 4.00) + (3.3097 × 6.00) = 10.9408

This means that for every $100 of par value, the Treasury received $10.9408.

Thus, for the total auction of $14 billion ($14,000 million), the Treasury received $10.9408 billion.

This can also be written as $10.94 billion (rounded off to two decimal places).

Therefore, the revenue received by the Treasury in $ billion from this auction is $10.94 billion.

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The financial planning process includes analyzing funding options.

Taking in charge your timeframe, cash flow, risk tolerance, current insurance range, tax strategies and investment goals, a range of ideas and financial planning options would be presented in order to decide which one suits you the best. This will help you deliver more actual and satisfying decisions.

The main role of a financial planner is to help someones meet their medium-term and long-term financial objectives. Financial planners work closely with the customer to crystallize the goals, analyze their goals, assess risk patience, and as an end product create a plan of driving from point A to point B.

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During the year ended April 30, 2021, weighted-average accumulated expenditures were $3,532,200. Riverbed, Inc. should show $388,542 as capitalized interest on its financial statements at April 30, 2021.

The capitalized interest on Riverbed's financial statements at April 30, 2021 should be calculated based on the weighted-average accumulated expenditures and the interest earned on the unexpended portion of the loan.

To calculate the capitalized interest, we can use the following formula:

Capitalized Interest = Weighted-Average Accumulated Expenditures * Interest Rate

Assuming the interest rate of 11%, we can calculate the capitalized interest:

Capitalized Interest = $3,532,200 * 11% = $388,542

Therefore, Riverbed should show $388,542 as capitalized interest on its financial statements at April 30, 2021.

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Keeping the shop surroundings clean and ensuring protection requires great effort both from the seller.

Sellers need to do the following to ensure good sanitation:

However, i agree with Adler’s because the value of a product or the value its offered is more important that what its look physically.

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Answer:

с). You'll need to pay $4,000 on medical expenses each year before your

insurance will kick in

Explanation:

The deductible is the cash amount that a person needs to pay to the insurance company before their insurance coverage can begin.  It applies mostly to medical insurance. If an insurance policy has a deductible requirement, one can not launch any claim without having paid the deductible in full. The insured pays the deductible out of pocket.

Organizational Chart: SWOT Analysis: Strengths:- The app will be able to show users the ice cream shops nearby.- The app will provide statistics based on the rating of each location.

- The app will be able to accept new entries in reviews.- The app will be able to show users if ice cream contains anything that can cause allergy. Weaknesses:- Limited budget may limit the features of the app.- Difficulty in obtaining complete and accurate data from all ice cream shops. Opportunities:- The demand for ice cream and related products is high.- No similar app currently exists.- The app can be marketed through social media and word of mouth. Threats:- Competitors may emerge with a similar app.- The app may face legal issues if the data collected from ice cream shops is not accurate or reliable.

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Ian's attitude to work reflects a theory Y attitude about workers because he is said to be motivated and can solve problems.

Theory Y workers are those workers that are known to be highly motivated. Such workers are creative as well as proactive and are always willing to solve problems.

The Theory Y is a sharp contrast to workers that fall under theory X because these ones hate to work and lack motivation.

Both of these theories were developed by Douglas McGregor.

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The final step in failure modes and effects analysis (FMEA) is to estimate the likelihood of failure. This involves determining the probability that each failure mode will occur and ranking them in order of likelihood. The next step is to eliminate or reduce the highest risks identified during the FMEA process.

Once this has been done, the next step is to estimate failure detection, which involves determining how likely it is that each failure mode will be detected before it can cause harm. Finally, the effects of each failure mode are described, which helps to identify the potential impact on the system or process being analyzed.

The final step in FMEA is to eliminate or reduce the highest risks. Here's a step-by-step explanation:

1. Describe the effects of each failure mode: Identify potential failure modes and their effects on the system or process.
2. Estimate the likelihood of failure: Assess the probability of each failure mode occurring.
3. Estimate failure detection: Determine the chances of detecting the failure before it affects the system or process.
4. Eliminate or reduce the highest risks: Implement actions to mitigate the highest risk failure modes, either by reducing their likelihood or increasing their detectability.

By following these steps, you can improve the safety and reliability of your system or process through failure modes and effects analysis.

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The account that contains a normal credit balance & the same appears in the balance sheet is unearned revenue.

The following information is relevant:

Therefore we can conclude that the account that contains a normal credit balance & the same appears in the balance sheet is unearned revenue.

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A country with a comparative advantage will produce a product with the lowest opportunity cost.

A country has a comparative advantage when it produces a good or service with the lowest opportunity cost given its resources.

An example illustrating comparative advantage.

Country X either produce 10 shirts or 20 jeans.

Country B can either produce 100 units of shirts or 10 jeans.

Country X has a lower opportunity cost and thus a comparative advantage in the production of jeans and should produce jeans.

Country B has a lower opportunity cost and thus a comparative advantage in the production of shirts and should produce shirts.

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Answer:

Explanation:

ATM s are of great use to the banks as the reduce the number of people storming the banks for withdrawal of money as well as deposit of money it reduces cost of operation and from customer point of view it is available easily near by hence travelling further distance to the bank is not required

ATMs are one of the most convenient services provided by the banks to customers. It is beneficial to banks as it is to its customers. It helps banks to save cost and time in withdrawing money and various other services which are now provided by ATM.

Automated teller machines, or ATMs as they are more commonly referred to, are a convenient way to conduct one-on-one transactions quickly and easily. One can do self-serviced transactions with these machines without a physical teller's aid or a trip to the bank branch. Cash withdrawals, cash deposits, and fund transfers are just a few of the many transactions possible with automated teller machines, or ATMs. Although the majority of customers only use ATMs to withdraw cash, these additional transactions make the service more effective.

With the advent of the ATM, users' financial lives became simpler because they could now perform simple transactions on their own with the aid of an ATM, which was much more practical than often visiting the bank. The ability for users to transact between banks is another significant advantage of an ATM. This means you can still use basic services like cash withdrawals from the ATM even if you don't have an account with the bank that runs the machine. Again, this saves you time and comes in handy in an emergency because you won't need to go to the ATM at your bank every time you need a quick infusion of cash. ATM helps banks operate more cheaply by lowering the number of human operations. The ATM provides service 24 hours a day which means customers can avail of money and other services at any time of the day.

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Units of product that are only partially complete are contained in work-in-progress (WIP) process inventory. According to this explanation, WIP is a place for product units that are only partially completed.

Work-in-progress (WIP) is a term used in manufacturing and construction to refer to an unfinished item or a partially finished product. It represents the costs of materials, labor, and overhead that have been invested in products that are still in the process of being manufactured or constructed, but not yet completed and sold. WIP inventory is considered an asset on a company's balance sheet, because it has value even though it has not been completed and sold. Measuring and managing WIP levels is important to ensure that production processes are efficient and to calculate costs accurately.

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He is engaging in Personal Selling.

Thus this is the meaning of Personal Selling.

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Based on the given information, we can expect a rate of return of 7.60% on a 1-year treasury security.

According to the pure expectations theory, the future rate of interest is equal to the sum of the real risk-free rate and the expected rate of inflation. Therefore, the expected rate of return on a 1-year treasury security can be calculated as follows:

Expected rate of return = Real risk-free rate + Expected rate of inflation
Expected rate of return = 3.50% + 4.10%
Expected rate of return = 7.60%
Therefore, based on the given information, we can expect a rate of return of 7.60% on a 1-year treasury security. This expected rate of return takes into account the real risk-free rate of 3.50% and the expected rate of inflation of 4.10%.

Investors are always concerned about the future and the security of their investments. By calculating the expected rate of return on a treasury security, investors can make informed decisions about their investments and plan for the future. This helps to ensure the security of their investments and minimize the risk associated with them.

Overall, understanding the pure expectations theory and using it to calculate the expected rate of return can help investors make more informed investment decisions and ensure the security of their investments.

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Both Republicans and Democrats generally agree on the foundational beliefs and values of democracy, the rule of law, and the importance of individual freedoms and rights.

While Republicans and Democrats may have different policy positions and priorities, they share a common commitment to the principles of democracy and the rule of law. Both parties believe in the importance of protecting individual freedoms and rights, such as freedom of speech, religion, and assembly. They also generally agree on the fundamental democratic principles of free and fair elections, the separation of powers, and the accountability of government to the people.

Although Republicans and Democrats may have divergent views on specific issues, they share a common foundation rooted in these core beliefs and values that underpin democratic societies.

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Answer:

Examples of legally binding contracts include any agreement that adheres to the rules that govern a contract, which technically can range from a rental lease agreement to buying gum at a gas station. Legally binding contracts are contractual agreements that are considered valid under both federal and state contract law.

Explanation:

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It slopes from left to right. However, in labour markets, we can often witness a backward bending supply curve. This means after a certain point, higher wages can lead to a decline in labour supply. This occurs when higher wages encourage workers to work less and enjoy more leisure time.

However, the backwards-bending labour supply curve occurs when an even higher wage actually entices people to work less and consume more leisure or unpaid time. However, in labour markets, we can often witness a backward bending supply curve. This means after a certain point, higher wages can lead to a decline in labour supply. This occurs when higher wages encourage workers to work less and enjoy more leisure time.

Employee choices wouldn't have any influence on the products a retailer selects.

Location, marketing, shop design and appearance, service and selection, and bundle selling are the five pillars of retail success. Let's examine how each of them can assist you in starting a profitable retail business.

The seven variables that affect whether or not an industry is established are: the supply of materials, labour, capital, market access, the availability of a plentiful supply of electricity, transport modes like railroads and roads for the road transport of finished goods and raw materials, and the availability of land.

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D. Households would not find utility from GAAP accounting methodology.

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Answer:

The age 59½ distribution rule says any 401k participant may begin to withdraw money from his or her plan after reaching the age of 59½ without having to pay a 10 percent early withdrawal penalty.

Explanation:

Until the age of 59.5 years, the amount saved from the withdrawal of funds is $3,600.

A tax is an obligatory payment made by the taxpayer to the government in respect of the income earned in the previous year.

Given values:

Amount of funds: $45,000

Normal tax rate: 20%

Penalty rate at 59.5 years: 10%

Step-1 Computation of after-tax amount paid at 54 years:

\(\rm\ After \rm\ Tax \rm\ Amount \rm\ at \rm\ 54 \rm\ years =\rm\ Amount \rm\ of \rm\ funds \times (\rm\ 1-\rm\ Tax \rm\ Rate)\\\rm\ After \rm\ Tax \rm\ Amount=\$45,000 \times\ (1-0.20)\\\rm\ After \rm\ Tax \rm\ Amount=\$36,000\)

Step-2 Computation of after-tax amount paid at 59.5 years:

\(\rm\ After \rm\ Tax \rm\ Amount \rm\ at \rm\ 59.5 \rm\ years =\rm\ Amount \rm\ of \rm\ Funds \times (\rm\ 1-\rm\ Tax \rm\ Rate)\times\ (1-\rm\ Penalty \rm\ Rate) \\\rm\ After \rm\ Tax \rm\ Amount=\$45,000 \times\ (1-0.20)\times\ (1-0.10)\\\rm\ After \rm\ Tax \rm\ Amount=\$32,400\)

Step-3 Computation of the amount saved :

\(\rm\ Amount \rm\ Saved = \rm\ After \rm\ Tax \rm\ Amount \rm\ at \rm\ 59.5 \rm\ years - \rm\ After \rm\ Tax \rm\ Amount \rm\ at \rm\ 54 \rm\ years\\\rm\ Amount \rm\ Saved =\$36,000-\$32,400\\\rm\ Amount \rm\ Saved =\$3,600\)

Therefore, the amount of $3,600 was saved with the amount of $36,000 paid at 54 years and the amount of $32,400 paid at 59.5 years.

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