Your mortgage is a 30-year fixed at 8% on $150,000. You are considering refinancing at 3. 5% fixed for 30 years. The bank charges you 1. 5% of your debt in closing fees. Approximately how long will it take you to recoup the closing fees from the reduced loan payment amount?.

Natural monopolies are permitted when one firm can provide a good or service for less money than any potential rival, but they are frequently very tightly controlled to safeguard consumers.

A monopoly in economics is naturally characterized as one that results from a market condition with extraordinarily high fixed costs or challenging entry barriers for startups in special business or offering consumer services.

Because there is only one most effective firm whose supply satisfies the demand in the market effectively, a natural monopoly exists. The power sector is one illustration.

Therefore, It applies to markets where it is advantageous to supply a product or service by a single business rather than by several.

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Answer: The most logical channel of communication for Sergio to use to contact his supervisor would be a phone call or an instant messaging service. This is because phone calls and instant messaging allow for immediate, real-time communication. Sergio needs to reach his supervisor as soon as possible to make a decision about an important client and these two channels of communication allow for the fastest and most direct form of communication. Email or text message may take longer for the supervisor to receive and respond to, which would not be ideal for Sergio's situation.

Explanation:

Answer:

i think is B correct me if i wrong

To compute the fair value of the foreign currency option at December 31, 2021, we need to determine the change in the value of the option from the date of purchase to December 31, 2021. The option premium decreased from $0.05 to $0.04 during this period, indicating a decrease in the fair value of the option.

To calculate the fair value of the option, we need to use the Black-Scholes model or a similar valuation method. However, since the question does not provide information about the option's expiration date or the underlying asset's volatility, we cannot determine the fair value with certainty.
In this scenario, Keenan Company purchased the foreign currency put option to hedge against the potential risk of a decline in the CAD's value. The company will benefit from the option if the CAD depreciates against the USD, reducing the amount of USD that Keenan will receive from Velez Company when the receivable is due on February 1, 2022.
Overall, this scenario highlights the importance of using currency hedging strategies to manage foreign exchange risk when dealing with international transactions. A company must carefully assess its exposure to foreign currency fluctuations and implement appropriate hedging strategies to protect against potential losses.

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Answer:

It offers banks financial protection to keep consumers from panicking.

Explanation:

A lender of last resort is the organization in a business system that serves as the provider of liquidity to a business company which finds itself incapable to achieve enough liquidity in the interbank lending market and other facilities or sources have been consumed.

Can you give me brainliest please?

Answer:

It offers banks financial protection to keep consumers from panicking.

Explanation:

The following class of stock is not allowed to be used in a section 351 transaction:  All of these classes of stock can be used in a section 351 transaction. The correct option is D.

In a Section 351 transaction, shareholders transfer assets to a newly-formed corporation in exchange for shares of stock in the new corporation. The goal of such a transaction is to defer any tax liability that may arise from the transfer of assets.

When it comes to the class of stock that can be used in a Section 351 transaction, the answer is not straightforward. Generally, any class of stock can be used, including voting common stock, voting preferred stock, and nonvoting preferred stock. However, there are some limitations.

One class of stock that is not allowed to be used in a Section 351 transaction is nonvoting common stock. This is because nonvoting common stock does not carry any significant rights or privileges, which makes it less valuable than other classes of stock. As a result, if shareholders were to transfer assets in exchange for nonvoting common stock, it would not meet the requirements of a Section 351 transaction.

In conclusion, while all other classes of stock, including voting common stock, voting preferred stock, and nonvoting preferred stock, can be used in a Section 351 transaction, nonvoting common stock is not allowed. It is important to consult with a tax professional to determine the best class of stock to use in a Section 351 transaction and to ensure compliance with all applicable laws and regulations. The correct option is D.

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Complete question:

which of the following class of stock is not allowed to be used in a section 351 transaction?

a. Voting common stock

b. Voting preferred stock

c. Nonvoting preferred stock

d. All of these classes of stock can be used in a section 351 transaction.

Answer:

Yes

Explanation:

Devaluation is the purposeful reduction of the value of a nation's currency in relation to another currency or group of currencies. When the currency is devalued, it can lead to an increase in the export of the nation's produce because the price of the exported goods is cheaper and foreign countries are  most likely to purchase cheap goods.

The economic growth rate of a nation is  the change in percent of goods and services produced in a country over a period of time. It gives an idea of the income of the average citizen in the country. When the value of the local currency is devalued, exports will increase and that will also cause an increase in the income of citizens. This translates to a resultant increase in the economic growth rate of the nation.

Answer:

approximate YTM = 12.16%.

Explanation:

the approximate yield to maturity = {coupon + [(face value - market value) / n]} / [(face value + market value) / 2]

approximate yield to maturity = {100 + [(1,000 - 850) / 12]} / [(1,000 + 850) / 2] = 112.5 / 925 = 0.1216 = 12.16%

An investor that purchases this bond at $850 can expect to earn a 12.16% return.

Utmost central banks use high interest rates as the traditional way to fight or  help affectation.( iii) open  request operations. Cash Reserve rate( CRR) To control affectation, the central bank raises the CRR which reduces the lending capacity of the  marketable banks.

By maintaining anticipated affectation equal to its affectation target,  plutocrat and affectation grow in line with the affectation target. By maintaining the real rate of interest equal to the natural rate, the central bank prevents  financial emigrations that force uninvited changes in prices.

To reduce affectation, the government can increase  levies ( similar as income  duty and Handbasket) and cut spending. This improves the government's budget situation and helps to reduce demand in the frugality. Both these  programs reduce affectation by reducing the growth of aggregate demand.

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'If competitors cannot easily copy the benefit a company chooses to​ promote, that benefit is said to be​ preemptive.

A corporation, abbreviated as co., is a legal entity, natural, legal, or a mixture of both, which is a collection of people with a specific purpose. Company members have common goals and work together to achieve specific goals.

Unlike a typical mission statement, however, a company purpose is primarily intended to describe what the company does. While outlining the company's general direction, it can also include specific aspects such as areas of focus, strategic partnerships, or target groups.

General departments include Marketing, Finance, Operations Management, Human Resources and IT. These five divisions represent major divisions within public companies, although smaller divisions often exist within independent companies.

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The following questions could not be answered from the statement of cash flows  is the what are the earnings-per-share of common stock.

In accounting, a statement of cash flows refers to a financial statement that provides an aggregate data regarding all cash inflows a company receives from its ongoing operations and external investment sources.

This statement also includes all cash outflows that pay for business activities and investments during a given period.

It breaks down analysis to investing, operating and financing events.  It covers up current operating results and accompanying changes in the statement of financial position or balance sheet.

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True, A prime example of a public good is the state university, which is funded by the government and possesses the qualities of non-rivalry and non-excludability.

A good or service that is provided to everyone in a society is referred to as a public good in economics. The majority of the time, governments are in charge of delivering these services, and taxes are utilized to cover all of their costs. Public goods include things like the rule of law, national security, and law enforcement.

Higher education used to be considered a public good with the goal of advancing society as a whole. In the 20th century, attitudes shifted in favor of the notion that a college degree is a personal benefit that benefits individuals. College is more than ever seen by students as a route to financial security.

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Answer:

No, because in bankruptcy repayment plans, certain debts are not dischargeable, including those related to injury or property damage caused while driving drunk.

Explanation:

Dischargeable debts are defined as amounts owed that can be wiped out by one's bankruptcy discharge.

Once the bankruptcy discharge is issued, creditors in such cases can no longer collect on the debts

An example of dischargeable debts is credit card debt and medical bills

In this scenario however where Stephen had been involved in an automobile accident and attending officers determined that Stephen's blood-alcohol level was above the legal limit.

Any debt in relation to the injured party cannot be discharged through bankruptcy

The agent has no obligation to report the wall fracture because it is obvious and fits under the category of patent faults.

In a real estate transaction, dual agency occurs when a single real estate agent represents both the buyer and the seller. It can also happen when the same real estate company represents the buyer and seller or the landlord and tenant in a purchase and sale or rental transaction, or when the same agent represents both sides.

The governor appoints, the Division of Real Estate investigates, and the Ohio Real Estate Commission instructs. What type of job would require an Ohio real estate license in order to legitimately get a commission as payment for services rendered? Anyone using the title of "real estate broker" must have a license, according to the legislation.

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The reason to use a full-service investment firm instead of a discount investment firm is because of years of experience and guidance.

A full-service investment firm is a type of firm or a broker which provides the best and authentic services to its clients.

They are licensed firm that offers a variety of services to the client in a transparent and fair manner.

Some of the services are retirement planning, investments and savings, tax tips and advice, researches, etc.

These firms offer proper guidance to their clients and have years of experience in the field.

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The DuPont identity can help to explain why two firms with the same return on equity may not be operating in the same way.

The DuPont identity breaks down the return on equity (ROE) into three components: profit margin, asset turnover, and financial leverage. This allows for a more detailed analysis of a firm's performance and can reveal differences in how two firms with the same ROE are operating.

For example, one firm may have a higher profit margin but lower asset turnover, while the other firm has a lower profit margin but higher asset turnover.

The DuPont identity can help to identify these differences and provide insight into the different strategies and operations of the two firms.

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A budget line is a graph that shows all the combinations of goods that a consumer can afford given their income and the prices of the goods. If two different bundles of goods cost the same amount of income M, then they must lie on the same budget line.

Furthermore, suppose there are only two goods, a and y, and that the price of r is 84 and the price of y is 82. If the income of the consumer is $20, find two bundles that are affordable and have the same total expenditure. Illustrate this in a graph.

The two bundles that are affordable and have the same total expenditure are (4, 0) and (0, 5). This can be illustrated in a graph as follows:

Price of y

(0, 5)

(4, 0)

Budget line

Income = $20

Price of x

The budget line is a straight line that goes through the points (0, 5) and (4, 0). This is because the consumer can afford to buy 5 units of y if they spend all of their income on y, or they can afford to buy 4 units of x if they spend all of their income on x.

The two bundles that are affordable and have the same total expenditure are marked on the graph. The bundle (4, 0) is located at the point where the budget line intersects the vertical axis. This means that the consumer can afford to buy 4 units of x if they spend all of their income on x. The bundle (0, 5) is located at the point where the budget line intersects the horizontal axis. This means that the consumer can afford to buy 5 units of y if they spend all of their income on y.

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The thing that's true about the wages of these twin data entry clerks is that they're likely to receive sane wage.

It should be noted that a wage simply means the payment for services rendered usually for a week or per hour.

In this case, the thing that's true about the wages of these twin data entry clerks is that they're likely to receive same wage since they perform same functions.

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By using compound interest, it is found that the annual rate of increase was of 0.132%.

Given,

Valuation of 12 million php on 1st January 2007

8 million php on 1st January 2012.

Annual rate of change - ?

The amount of money earned, in compound interest after t years, is given as follows:

\(A(t) = P (1 +\frac{r}{n}) ^{nt}\)

For this problem, the parameters are:

t = 5,  A(t) = 6,  A(0) = 12,  n = 12.

Here,

P is the principal which is the initial sum of money.

A(t) is considered the amount of money after t years.

n is the number of times where interest is compounded.

r is the interest rate.

Thus, we solve for r to find the interest rate as follows:

\(A(t) = P (1 + \frac{r}{n}) ^{nt}\)

\(8 = 12 (1 + \frac{r}{12}) ^{12X5}\)

\((1 + \frac{r}{12})^{60} = 0.66\)

\(\sqrt[60]{1 + \frac{r}{12}} ^{60}\)   = \(\sqrt[60]{0.66}\)

\(1 + \frac{r}{12} = (0.66)^{\frac{1}{60}}\)

1 + r/12 = 1.011

r/12 = 0.011

r = 12 x 0.011

r = 0.132

Hence, the annual rate of increase is of 0.132%.

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Answer:

hoobaa hooba hooba

Explanation:

hooo

A firm pursuing a localization strategy will have a strong reason to decentralize decision making.

Option A is correct.

A localization strategy is a unique request strategy in which a company address purchasing habits, client actions and overall artistic differences in each country it works within.

Localization is the adaption of a product or service to meet the requirements of a language, culture or asked population" look- and- feel." A successfully localized service or product is that appears to have been elaborated under the original culture.

Decision making is the process of making choices by relating a decision, gathering information, and assessing indispensable judgments . Using a step- by- step decision- making process can help you make further deliberate, thoughtful opinions by organizing applicable information and defining druthers

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The kings' itemized deduction for casualty losses if their agi was $98,200 will be C) $12,080

$22,000 unreimbursed decrease in value − $100 floor − $9,820 (10% × AGI).

Any abrupt, unforeseen, or uncommon event, such as a flood, hurricane, tornado, fire, earthquake, or volcanic eruption, can cause damage to, destruction of, or loss of your property, which is known as a casualty loss. Normal wear and tear or progressive deterioration are not considered casualties.

When claiming a deduction for destroyed property, you must first determine the casualty loss by deducting the salvage value from the asset's adjusted basis before deducting any insurance proceeds from the outcome.

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Atticus says they're pοοr  grοwers, but want tο get by οn their οwn. Hοwever, they pay in crοps because that's all they can dο, If they need tο hire peοple.

Atticus has nοthing against the Cunninghams, but Scοut dοes n’t knοw any better. She said tο Calpurnia, “ he ain’t cοmpany, Cal, he’s just a Cunningham.

”She alsο says that he lοοks like he was raised οn fish fοοd. After Scοut explained why she was  frenetic at Walter, he tοld her tο put herself in his shοes. That yοu  nοway  really knοw a persοn unless yοu see the wοrld in their pοint οf view.

The Finches are  analοgοus tο the Cunninghams because bοth families are cοnsidered pοοr because οf the Great Depressiοn, indeed thοugh the Cunninghams have lοwer. The are different because οf sοcial class.

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The given statement that Utility is an important aspect of market research because it can save a company lots of time and money is false.

Market research is defined as the process of actively questioning latent customers to find out the viability of a brand-new service or product.

Market research modifies a business to determine its target market and find comments and another input from customers about their involvement in a product or service.

Utility is critical to the market, but it does not support to save money because it is similar to bills.

Therefore, the given statement is false.

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The Bid price indicates how much the market maker will pay per share to buy a stated quantity of the stock, while the Ask price indicates the price per share at which it will sell the same stock.

In the financial markets, the Bid price and Ask price are the two prices that are most commonly quoted for a security, such as a stock or a bond. The Bid price is the highest price that a buyer is willing to pay for the security, while the Ask price is the lowest price that a seller is willing to accept for the security.

Therefore, the correct answer is "Bid; Ask". The difference between the Bid and Ask price is called the Spread.

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I would tell my friend that the correct statement is: "The government buys products from all sizes of business, but there is some red tape."

It is a common misconception that the government only works with large corporations and ignores small businesses. In reality, the government actively seeks to do business with small businesses and has various programs and initiatives to support them. However, there are certain requirements and regulations that small businesses must follow in order to be eligible for government contracts.

For example, the government has set-aside programs that require a certain percentage of contracts to be awarded to small businesses. Additionally, small businesses may be eligible for preferential treatment in the bidding process. However, there are specific criteria that a small business must meet, such as being registered with the government's System for Award Management (SAM) and having a certain level of experience and capability to fulfill the contract.

Therefore, while it may require some extra effort and navigating through bureaucratic procedures, it is possible for small businesses to win government contracts and expand their client base.

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Home-based work is a type of work in which employees perform their job duties from home instead of commuting to an office or other location. It has several advantages for both employees and employers. The correct options among the given alternatives are A and B. Let's understand each option one by one:

(A) Saves office space costs: Home-based work saves office space costs, which is a significant advantage for employers. Because of the lack of physical office space required, the employer saves money on rent and other expenses. The office may also reduce utility expenses since fewer people will be utilizing the office. All these savings can be significant for small companies or start-ups that need to operate on a tight budget.

(B) Reduces absenteeism: Home-based work reduces absenteeism. Employees are less likely to miss work if they can work from home since they don't have to worry about commuting to the office, getting stuck in traffic, or arriving late due to unforeseen circumstances like road closures or inclement weather. They also have more control over their schedule, making it easier to attend to personal matters while still meeting work deadlines. This flexibility can lead to greater job satisfaction and less burnout.

(C) Makes it more difficult to appraise performance: This is not an advantage of home-based work for employers. Instead, it is a disadvantage. Since supervisors have limited direct contact with employees, it can be difficult to evaluate performance and provide feedback. Managers must establish clear communication channels and establish objective metrics to monitor employee performance to overcome this obstacle.

(D) Reduces commute time: This is an advantage of home-based work for employees, not for employers. Since employees are not commuting, they save time and money on transportation, reducing stress and improving their work-life balance. They are also more likely to be punctual and alert since they don't have to deal with the hassles of commuting.

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\(3 log(x) + 5 = 8\)

Subtract sides 5

\(3 log(x) + 5 - 5 = 8 - 5\)

\(3 log(x) = 3\)

Divide sides by 3

\( \frac{3 log(x) }{3} = \frac{3}{ 3} \\ \)

\( log(x) = 1\)

_________________________________

Reminder :

\( log_{a}(x) = b\)

\(x = {a}^{b} \)

_________________________________

Thus ;

\( log_{10}(x) = 1\)

\(x = {10}^{1} \)

\(x = 10\)

Done...

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