"You decide to purchase a building for $30,000 by paying $5,000 down and assuming a mortgage of $25,000. The bank offers you a 15-year mortgage requiring annual end-of-year payments of $3,188 each. The bank also requires you to pay a 3 percent loan origination fee, which will reduce the effective amount the bank lends to you. Compute the annual percentage rate of interest of this loan."

Answer:

P0 = $51.9956 rounded off to $52.00

Explanation:

The two stage growth model of DDM will be used to calculate the price of a stock whose dividends are expected to grow over time with two different growth rates. The DDM values a stock based on the present value of the expected future dividends from the stock.

The formula for price of the stock today under this model is,

P0 = D0 * (1+g1) / (1+r)  +  D0 * (1+g1)^2 / (1+r)^2  +  ...  +  D0 * (1+g1)^n / (1+r)^n  + [ (D0 * (1+g1)^n * (1+g2) / (r - g2)) / (1+r)^n ]

Where,

P0 = 2.5 * (1+0.2) / (1+0.15)  +  2.5 * (1+0.2)^2 / (1+0.15)^2  +  

2.5 * (1+0.2)^3 / (1+0.15)^3  +

[(2.5 * (1+0.2)^3 * (1+0.08) / (0.15 - 0.08) / (1+0.15)^3)

P0 = $51.9956 rounded off to $52.00

Based on the information given, the current value of the stock will be $52.00.

Based on the information given, the following can be denoted.

D0 = dividend today

g1 = initial growth rate = 0%

g2 = constant growth rate = 8%

r = required rate of return

P0 = [2.5 × (1+0.2) / (1+0.15)  +  2.5 × (1+0.2)² / (1+0.15)²  + 2.5 + (1+0.2)³] / (1+0.15)³  + (2.5 * (1+0.2)³ * (1+0.08) / (0.15 - 0.08) / (1+0.15)³]

P0 = $52.00

In conclusion, the price is $52.

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The employed and the unemployed together make up the labor force. No one is regarded as being in the labor force if they are neither employed nor looking for work.

Three groups of persons are referred to as being underemployed: those who are looking for work while they are unemployed, those who are required to work part-time jobs despite wanting full-time jobs, and those who are still regarded as somewhat attached but are no longer looking for work.

Having no paid employment involves being unemployed. When someone is referred to as being unemployed, they are often out of work and looking for employment.

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Answer:

A.) Paying taxes

Explanation:

People pay taxes and that's what the city they live uses to make new projects like a building or new roads etc.

Answer:

Spending

Explanation:

got a 100 on this

Answer:

Customer touchpoints.

Explanation:

Customer touchpoints are the various interactions that customers have with a company throughout their journey, from the initial contact to the post-purchase stage. In the context of the restaurant industry, the moments when the host greets the customers, the server takes an order, the manager stops by the table, the chef brings out dinner, and the bill is handled are all examples of customer touchpoints. These touchpoints can have a significant impact on the customer's overall experience and can influence their decision to return to the restaurant or recommend it to others. By training her team to focus on these touchpoints and the customer's experience, Lola is emphasizing the importance of providing high-quality service at every stage of the customer journey.

A Cover Letter for this actual job.

[Your Name]

[Your Address]

[City, State, ZIP Code]

[Email Address]

[Phone Number]

[Today's Date]

[Recipient's Name]

[Company Name]

[Company Address]

[City, State, ZIP Code]

Dear [Recipient's Name],

I am writing to express my keen interest in the [Job Title] position at [Company Name], as advertised on [Job Board/Company Website]. With my strong background in [Relevant Skills/Experience], I am confident in my ability to contribute to the success of your organization.

Having [X years] of experience in [Industry/Field], I have honed my skills in [Key Skills/Expertise], which I believe align perfectly with the requirements of the [Job Title] role. I am particularly drawn to [Company Name]'s commitment to [Specific Company Values/Initiatives] and its reputation for excellence in [Industry/Field].

Throughout my career, I have demonstrated a strong track record in [Relevant Achievements/Projects], showcasing my ability to [Specific Skills/Results]. I am highly skilled in [Technical Skills/Software], and I possess excellent [Soft Skills/Abilities], allowing me to collaborate effectively with cross-functional teams and deliver outstanding results.

I am excited about the opportunity to contribute to [Company Name]'s ongoing success and would welcome the chance to discuss further how my skills and experience align with your organization's goals. Enclosed is my resume for your review.

Thank you for considering my application. I look forward to the possibility of meeting with you to discuss how my qualifications make me a strong fit for the [Job Title] position at [Company Name].

Sincerely,

[Your Name]

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a. The AFC increases from $1.50 to $1.88 after the decrease in sales.

b. The Marginal Costs (MC) do not change.

C. It rises. The company needed to charge $1.85 per paper

The analysis of the answers go thus:

a. The average fixed cost (AFC) was $1.50, which equate the total fixed cost ($1.5 million) divide it by number of papers sold (1 million). By extension,

= $1,500,000/1,000,000).

Assume sales fall by 20% to 800,000 papers sold, the new AFC is $1.88.

= the total fixed cost divided by the new number of papers sold, = $1,500,000/800,000).

Thus, the AFC increases from $1.50 to $1.88 after the decrease in sales.

b. The marginal printing and marginal delivery costs are alike; as a result, marginal costs remains same.

c. To break even before the decline in sales, the company needed to charge enough to cover the AFC, $1.50, and the AVC, $0.35, which is the sum of the printing cost and delivery cost per paper. Thus, the company needed to charge $1.85 per paper. To break even after the decline in sales, the company needs to charge enough to cover the AFC, $1.88, and the AVC, $0.35, which is the sum of the printing cost and delivery cost per paper (note this does not change because the cost is per paper). Thus, the company needs to charge $2.23 per paper.

Therefore, the correct answer is as given above.

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Answer:

Value creation refers to the process of creating a company value based on the demands of the consumer and their willingness to use the value. The action of drifting wealth in a value networks is essential to the idea of shared value.

In other words, The way you create your goods such that they provide the most value to the customers who use them is called value delivery. Customers can receive worth in the shape of goods, perks, and characteristics, among other things. Anything that adds worth to the consumer 's experience should be included in the value ordering process.

The thing that is black and white and read all over is known to be called the Newspaper.

The  use of the black and white in Newspaper is symbolic. The contrast of white and black (light and darkness, day and night) has a long history of metaphorical usage that may be seen in the Pythagorean Table of Opposites and dates back to the Ancient Near East. Both in Confucianism and Western culture, the contrast stands for the moral dualism of good and evil.

Note that Photography in black and white has a strong emotional appeal. An photograph naturally becomes more timeless and nostalgic when the color is removed from it, and it might take you back to bygone eras. Black & white photography forces us to pay attention to the image's narrative without getting sidetracked by color.'

Therefore, The news of the globe is published in newspapers. Newspapers offer general knowledge and information. News regarding a nation's economy, sports, business, etc., can be found in newspapers. It's a good habit to read the newspaper, and it's already a part of contemporary life and it is often done anywhere one find themselves.

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Uncertainty creates challenges for financial accountants in accurately measuring, reporting, and disclosing financial information.

The presence of uncertainty poses significant challenges for financial accountants. Uncertainty refers to the lack of predictability or reliability in future events or outcomes, which makes it difficult to accurately measure and report financial information. Here are some key challenges created by uncertainty:

Measurement and valuation: Uncertainty makes it challenging to determine the appropriate measurement and valuation of assets, liabilities, revenues, and expenses.

Financial accountants must make estimates and judgments based on available information, assumptions, and professional judgment. However, the accuracy of these estimates may be compromised by the inherent uncertainty.

Financial statement presentation: Uncertainty affects the presentation of financial statements. Accountants must disclose the nature and extent of significant uncertainties that could impact the company's financial position and performance. However, determining which uncertainties are material and require disclosure can be subjective and complex.

Risk assessment: Uncertainty introduces risk into financial reporting. Accountants need to assess and manage risks associated with uncertain events, such as changes in market conditions, legal disputes, or environmental factors. They must consider the potential impact of these risks on financial statements and disclose them appropriately.

Forecasting and decision-making: Uncertainty makes forecasting and decision-making challenging for financial accountants. They need to analyze financial data and projections while considering the potential impacts of uncertain factors.

This requires them to use sophisticated models, scenario analysis, and sensitivity analysis to assess the range of possible outcomes.

Regulatory compliance: Financial accountants must comply with accounting standards and regulatory requirements. Uncertainty adds complexity to compliance efforts, as new and evolving regulations may require additional disclosures or adjustments to financial statements to reflect uncertain events or future obligations.

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Answer:

A. Bank or credit union

Payday lenders are used for people who can't get loans at banks. They are to be used last as they have very high interest rates. The bank or credit union will be the cheapest in terms of interest rates.

I got it, hope this helps

Answer:

Clarence: architecture

Denise: construction

Explanation:

just finished the question.

Answer:

Clarence wants to be an architect and Denise wants to be a construction worker.

Explanation:

Angela = time value of money / Jane = personal disposable income / David = store of value / Lester = consumer credit

In economics, different concepts explain money and its use. Some of these concepts include:

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Answer:

Explanation:

If you want the answer faster, here it is.

Answer:

When bonds are converted into common stock____.

a. the market price of the stock and the bonds is ignored when recording the conversion.

Explanation:

This is because the conversion price, which is the price at which the convertible bond is converted into the common stock of the entity, is usually set initially when the conversion ratio is first decided on.  Therefore, the market prices of the stock and the bonds are not taken into account when the conversion recording is being done.

1. Paid Office Station Co. for part of the debt incurred on April 5, $1,200.

Debit: Accounts Payable - Office Station Co.$1,200

Credit: Cash $1,200

2. Provided services on account, $4,200.

Debit: Accounts Receivable $4,200

Credit: Service Revenue  $4,200

To pay off the remaining balance owing to Office Station Co., a debit is sent to the accounts payable account. To account for the cash outflow, the Cash account is credited. This journal entry records the settlement of a portion of the debt incurred on April 5 with Office Station Co.

The acknowledgment of revenue for services rendered to a client on the account is represented by this journal entry. To reflect the increase in the amount due by the client, the Accounts Receivable account is debited.

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The complete question is probably

Write journal entries

12. Paid Office Station Co. for part of the debt incurred on April 5, $1,200. 12. Provided services on account, $4,200.​

Demand-pull inflation takes place when an increase in the supply of cash and credit stimulates the overall demand for goods and services to increase extra rapidly than the economy's manufacturing potential. This increases call for and leads to rate rises.

Inflation is a trendy boom in the prices of products and offerings in an economy. When the general charge degree rises, each unit of currency buys fewer goods and services; consequently, inflation corresponds to a discount inside the shopping strength of money.

Inflation is the price of increase in costs over a given period of time. Inflation is usually a large degree, along with the overall increase in fees or the increase within the price of living in a country.

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Answer: 5.9%

Explanation:

Before:

Equity is calculated as:

= Total Assets / Equity Multiplier

= $ 175,000 / 1.2

= $ 145,833

Therefore, ROE will be:

= (Turnover × Profit Margin) / Equity

= ($ 395,000 × 5.3%) / $ 145,833

= $ 20935 / $145,833

= 0.1436

= 14.36%

After:

New Total Assets will be:

= $ 175,000 - $ 51,000

= $ 124,000

Equity

= Total Assets / Equity Multiplier

= $ 124,000 / 1.2

= $ 103,333

ROE will then be:

= (Turnover × Profit Margin) / Equity

= ($ 395,000 × 5.3%) / $ 103,333

= $ 20935 / $ 103,333

= 0.2026

= 20.26%

Therefore, the change in ROE will be:

= 20.26% - 14.36%

= 5.9%

= 4.035%

Answer:A

Explanation:

Persuading is a way to attracter customers

Liabilities represent an "outside" interest in a business, as they are obligations or debts owed to creditors or other entities.

They are a financial obligation that the business owes to someone else, and they can include things like loans, credit card balances, and accounts payable.

Liabilities are financial obligations that a business incurs as part of its operations. They can include short-term liabilities, such as accounts payable and short-term loans, and long-term liabilities, such as long-term loans and bonds.

Liabilities are typically recorded on a company's balance sheet, which is a financial statement that shows a company's assets, liabilities, and equity at a specific point in time

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The maxim that a bond's price must be lower than its maturity value applies if the yield to maturity is higher than the coupon rate.

The par value, sometimes referred to as the maturity value, the coupon rate, the term to maturity, and the yield to maturity are the four elements taken into account when pricing bonds (YTM). The price of the bond could be established using a discount, premium, or par price. The price is determined by the relationship between the YTM and the coupon rate. The bond is a discount bond and has a price that is less than its par value if the yield to maturity is more than the coupon rate. whenever the coupon and YTM rates are equal. Bonds can be used to purchase two main kinds of long-term investments: business bonds and government bonds. The bond's issuer must raise capital from willing investors in order to pay the bond's par value and monthly coupon payments at maturity.

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There are several disadvantages of Trade deficit. The economy with a trade deficit will be an importer of capital.

Other Disadvantages include:

Trade deficits are regarded commonly as the difference between how much a country imports and how much it exports. when negative, they can harm labor markets and make obstacles of savings and investment.

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Answer:

$24,550

Explanation:

Computation for the estimated cost of the ending inventory

Net Sales = $415,000

Gross Profit rate= 37%

Cost of goods Sold = 100%- 37% = 63%

Cost of Goods Sold =$415,000*63% = $261,450

Cost of Goods Available for sale = $286,000

Using this formula

Estimated Cost of Ending Inventory= Cost of goods available for sale - Cost of Goods Sold

Let plug in the formula

Estimated Cost of Ending Inventory = $286,000-$261,450

Estimated Cost of Ending Inventory = $24,550

Therefore the estimated cost of the ending inventory is $24,550

Answer:

Two Specific Instances for External Research Team are for conducting research on causes of losing customers and increase in the number of employees absenteeism in the organisation.

Two Specific Scenarios for Internal Research Team are conduct research about the decline in performance of its manufacturing department and increase in the corruption of sales department.

Explanation:

Causes on losing customers

In some cases, the information provided to determine the root and cause of an issue might be a complex one. For which even the expertise of an internal team to determine and resolve it is not enough. Therefore, an external team is sought it out, who have either faced with such scenarios or have tons of knowledge in such areas in order to provide instant solutions.

Increase in the number of employees absenteeism

In this case, the external research team would be much suited as there is a chance that there might be certain individuals or teams in the organisation who might have an influence on the internal research team to manipulate or misrepresent certain information (with regard to absent employee days)  in the organisation.

Decline in the performance of its manufacturing department

In this case, the internal team would play a much better role as time could be insufficient to resolve the issue and the internal research team would require least amount of time to understand the philosophy, structure and functioning of the organisation's systems. While an external research team might take extensive time to understand the same.

Increase in the corruption of sales department

In order to determine the corruption, the research team would need to confirm that the policies and procedures placed are correctly being implemented. The internal research team, who are aware of these polices and producers, would much suited in this scenario. Moreover, they will be able to determine the effectiveness of the same and if any further changes are required or not.

Answer: Roughly $110.40

Explanation:

100 x (1.02)^5

The 1.02 is just 100 percent of the number plus the 2 percent interest you make.

Answer:

$110.41

Explanation:

Provided that the interest is a "compounding interest," you will have $110.41 in 5 years. A compounding interest allows you to calculate the interest you can earn on your accumulated interest over time in addition to your deposit.

Let's calculate the interest on a yearly basis.

1. First year = $100 x 20% (0.02) = $2

You have to add $2 to the initial deposit of $100.

2. Second year = $102 x 20% (0.02) = $2.04

3. Third year = $104.04 x 20% (0.02) = $2.0808

4. Fourth year = $106.1208 x 20% (0.02) = $2.122416

5. Fifth year = $108.243216 x 20% (0.02) = $2.16486432

After five years, you will have $110.41.

A bank is preparing a financial asset for trading in the over-the-counter market. It most nearly sounds as though they are a derivative offsetting negative risk. The correct option is D.

OTC securities are those that are not listed on a national securities exchange. The majority of these securities are traded on Alternative Trading Systems (ATSs), which are quotation mediums that may include electronic interdealer quotation systems that show quotes from broker-dealers for many OTC securities.

In over-the-counter markets, trading is done electronically rather than in a physical location. An auction market system is very dissimilar from this. Dealers serve as market makers in OTC markets by quoting prices at which they will buy and sell securities, currencies, or other financial products.

Thus, the ideal selection is option D.

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Answer:

$20,000

Explanation:

Calculation for the amount of the company’s bad debt expense for the current year

Using this formula

Bad debt expense = Credit Sales Amount × Estimated percentage uncollectible

Let plug in the formula

Bad debt expense = $2,000,000 × 1%

Bad debt expense =$20,000

Therefore the amount of the company’s bad debt expense for the current year will be $20,000

The  major difference between cleaning and sanitizing is that Cleaning uses soap to remove debris while sanitizing uses chemicals or heat to kill germs and bacteria

Cleaning regularly is one that is made of the utilize of cleanser, water, and mechanical activity to physically remove earth and grime from surfaces. It is an vital to begin with step within the sanitizing that has been prepared, because it is expelling soil and natural matter that can meddled with the activity of sanitizing operators.

Therefore, Sanitizing, on the other hand, regularly includes the utilize of chemicals or warm to kill or lower the number of hurtful microorganisms on surfaces.

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Answer:

A.choose a career that offers the amount of money desired

James should solicit feedback, Inform your management, Be accountable for your contributions, and Let them know how much you appreciate them.

They will feel most valued when you provide your staff members with a sense of purpose, success, and community.

Tell them exactly how they contribute and how they fit into the bigger picture of your firm, in addition to how they interact with their teams and the more significant business.

Verify your own worth, Exercise before work, change your attitude, and concentrate on minor victories.

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The findings of a country's CPI report are typically reported as a percentage change from the previous issue. A positive result indicates a rise in the inflation rate as a consequence of higher consumer costs. If the contrary were to happen, prices would go down, benefiting consumers and reducing inflation.

This is further explained below.

Generally, A person or group is considered to be a consumer if they have the intent to order, do order, or use goods, products, or services that they have purchased primarily for personal, social, family, household, and similar needs, which are not directly related to activities related to either entrepreneurship or business.

In conclusion, When a nation releases a new Consumer Price Index report, the findings are presented in the form of a percentage change in comparison to the most recent issue. In the event that the result is positive, it indicates that there has been a rise in the overall level of consumer prices and that the rate of inflation is climbing. In the alternative scenario, prices paid by consumers would fall, and the rate of inflation would fall along with them.

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The component of ethical decision making that best explains student cheating is moral conscience because it regulates student behavior.

Consciousness is a term that refers to the knowledge that an individual has of himself and his environment. Additionally, this term can refer to morality or the normal reception of internal and external stimuli by an organism.

As previously explained, moral conscience refers to the individual's conception of his environment. Therefore, if a student perceives that cheating is okay because his classmates endorse him or because he himself considers that he has a logical explanation for cheating, he will surely believe that it is an action that is within social morality. However, to the general vision it is an unethical fact.

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