The following property has a loan to value of 64%.
Loan to Value = Loan Amount / Current Appraisal of the asset
= 66,000,000 / 103,000,000
= 64.077%
= 64%
What Is the Loan-to-Value (LTV)?
Before approving a mortgage, financial institutions and other lenders evaluate the loan-to-value (LTV) ratio as a measure of lending risk.Loan-to-value (LTV) is a ratio that is frequently used in mortgage lending to evaluate how much of a down payment is required and if a lender will grant credit to a borrower.Lenders prefer lower LTVs, but borrowers must contribute greater down payments because of this.When the loan-to-value ratio is at or below 80%, the majority of lenders offer mortgage and home equity applicants the lowest possible interest rate. Mortgages become more expensive for borrowers with higher LTVs.To know more about Loan-to-value numerical visit:
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true or false? the cost-based differential advantage is teh hardest differential advantage to regain once it is lost
It is FALSE to state that the cost-based differential advantage is the hardest differential advantage to regain once it is lost.
What is cost-based differential advantage?A company's differential advantage is a culmination of the unique value proposition or traits that it has which differentiates it form the competition as viewed by the market.
The cost-based advantage means that the company is able to operate at a lower cost then the competition hence, possessing an edge in:
Final Unit pricesAdvantage with respect to bottom line leverage etc.How can a company easily lower or regain cost-based advantage?With proper management and internal controls relating to purchases, procurement, budgeting and planning, a company may be able to achieve an efficient cost based system.
When a good brand advantage has been damaged however, it is much more difficult to reclaim than a cost-based advantage.
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Managers can identify strategic advantages in the marketplace using information about the cost of activities and ______.
Managers can identify strategic advantages in marketplace management using information about the cost of activities and the value chain.
An ordered life and the ability to manage all forms of management require management. Successful firms are built on strong management. In order to accomplish life's goals, managing entails doing things, and in order to accomplish the goals of an organisation, managing entails doing things with and through others. There will always be a discussion about whether management is an art or a science. However, the majority of management experts concur that having a formal academic management education in some capacity facilitates effective management. Almost all CEOs hold management degrees from universities.
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_____ is the process of thoughtfully defining a firm’s objectives and developing a method for achieving those objectives.
We can actually deduce here that strategic planning is the process of thoughtfully defining a firm’s objectives and developing a method for achieving those objectives.
What is strategic planning?Strategic planning is actually known to be way of creating, defining and implementing specific business strategies and evaluating their outcomes in relation to the overall objective and goals of the firm or the organization.
This concept actually looks into methods, plans and strategies that can be very beneficial to achieving the goals of an organization.
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Nyah knows that planning and strategic management can help focus on the most critical problems, choices, and opportunities by?
Nyah knows that planning and strategic management can help focus on the most critical problems, choices, and opportunities by providing direction and momentum.
What is meant by strategic management?This is the term that is sued in the work environment to tell us of the planning and the monitoring that is done in the workplace in order to be able to get the business to meet with all of the goals that it has set for itself and to bring the desired changes to the business environment.
Hence this question is well answered when we say that Nyah knows that planning and strategic management can help focus on the most critical problems, choices, and opportunities by providing direction and momentum.
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A segmenting dimension that influences a customer's decision to purchase a specific brand or product is also known as a(n) ___________ dimension.
A segmenting dimension that influences a customer's decision to purchase a specific brand or product is also known as a determining dimension.
What is Segmentation?To segment, a market is to break it into identifiable, actionable, profitable, and segmented pieces that have room for expansion. In other words, due to constraints on time, money, and effort, a corporation would not be able to target the entire market.
It must have a definable segment—a large group of individuals who can be located and targeted with reasonable effort, expense, and time in order to be effective. In today's crowded market, which features thousands of products, a proliferation of media, ad fatigue, and general economic issues in global markets, segmentation assumes significant importance.
Correct market segmentation can mean the difference between a company's success and failure.
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if coca-cola’s worldwide growth were to continue at the same growth rate as it did in germany between 1939 and 2008, when sales grew at the rate of 10.26%, its hypothetical sales in spain in 2053 (42 years from 2011) would be approximately billion cases
The approximately Sales from 41 years from 2011 would be 322.92 billion cases.
According to the Question,
1934 Sales = 243000 ; 1936 = 10000001936 sales equalled 1934 sales × (1 plus growth rate) N.
1000000 = 243000 * (1 + R)²
(1+ R)² = 4.115(1+ R) = 2.03R = 2.03 - 1 = 1.03 = 103%The years 1936 through 1939 are comparable.
Sales during the 1939 period equal 1936 period sales multiplied by the growth rate, N
4.5 = 1.00 × (1 + R)³(1 + R)^3 = 4.5(1+R) = 1.651R = 65.1%the years 1934 through 1939
4500000 = 243000 * (1 + R)⁵
(1 + R)⁵ = 18.519(1 + R) = 1.7927R = 79.28%Sales in 1939 were 4.5 million, with a CAGR of 79.28%, thus we must determine sales in 1945, which is six years after 1939.
1945 sales were equal to 4.5 million * (1 + CAGR) 6.Sales for 1945 was 4.5 * (1 + 0.7928) 6 and 149.42 million cases.As of 2011, sales were 26.7 billion.Eastern European contribution: 20% * 26.7 = 5.34 Billion
Sales in 2053 equal Sales in 2011 multiplied by (1 + Growth rate)/42.Therefore, Sales for 2053 are 5.34 × (1 + 0.1026) 42,
which is 322.92 billion cases.
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hat is the present value of the following set of cash flows, discounted at 14.7% per year? year 1 2 3 4 cf $98 −$98 $193 −$193 question content area bottom part 1 the present value of the cash flow stream is $enter your response here. (round to the nearest cent.)
The Present Value will be = $28.51
The cash flows for each year are multiplied by a 15% present value factor for years 1 through 4 before being added together to determine the net present value.
We are Given,
PV factor equals 1 / (1 + r)nWhere,
15% is the interest rate, or r.period = n = 1 to 4Actual Value
= $200 PV factor of the third year - $200 PV factor of the fourth year + $100 PV factor of the first year - $100 PV factor of the second year= $100 × 0.8696 - $100 × 0.7561 + $200 × 0.6575 - $200 × 0.5717= $86.96 - $75.61 + $131.5 - $114.34Therefore = $28.51
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which industry employs about 25 percent of all texas workers and is the most rapidly growing industry in the state?
The advance industry employs about 25 percent of all Texas workers and the construction industry is the most rapidly growing industry.
What is industry?
The industry is a place where the manufacturing of goods is done.
In Texas nearly the 25% of all the jobs are provided by the advance industry the advance industry includes all the industries that are related to computer technology, services, and the chemical products. The share of the employment of this industry increasing day-by-day.
On the other hand, the most rapidly growing industry in Texas is construction industry. In last decade construction industry do growth more than any other industry. In construction industry the number of employs working reached to 6% of total workforce.
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The product/market expansion grid is a tool that allows marketers to identify growth opportunities. Of the following, which represent the four components of the product/market expansion grid?.
The product/market expansion grid is a tool that allows marketers to identify growth opportunities. Market penetration, market development, product development as well as diversification are the ones that represent the four components of the product/market expansion grid.
A market product grid is also defined as an Ansoff Matrix or a product-market type expansion grid which is a tool used in business firms for the development of growth strategy. A market product grid is established for considered existing markets to be new and existing products encountered with risks to be assessed in each possible relationship.
The Product Market Expansion Grid consists of four main strategies like Product Development, Diversification, Market Penetration, and Market Development.
A Market Expansion strategy is a kind of strategic approach for purpose of growth of companies when they are expanded as far as possible in existing channels. The primary focus of the strategy is to ensure that all the current markets are fulfilled and are satisfied with the products including the services that are presented for market expansion strategy purposes.
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your group has been hired as the new managing firm of the gleason center weight and cardio room. you have been tasked with developing two goals for the facility in its first year of operation. each of the goals must also have two objectives. in a post provide the 2 goals and 2 objectives per goal. additionally, you must describe a minimum of eight tactics that you will use as part of your plan.
The two goals related to the management of Gleason's weight and cardio room can be related to achieving leadership and quality in the service of the unit. The goals could be:
In six months, replace the old weight machines with new ones and improve the entire infrastructure of the room.In 1 year, achieve leadership in the sector in the city through quality, structure and advertising.What is tactical planning?It corresponds to the creation of goals and objectives so that the actions developed at the strategic level are achieved through effectiveness at the operational level. Tactical planning comprises a period of up to 3 years and comprises the activities of organizational departments, such as marketing and production plans for example.
Some tactical marketing planning actions could be:
Creating a website and blog for the companyHire digital influencers to promote theInvest in paid trafficCreate promotional packagesCreate partnerships with related servicesPromote solidarity actionsUse celebrity endorsementsUse special dates and holidaysTherefore, structured tactical planning and aligned with strategic planning correspond to significant differentials for achieving objectives and goals.
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If the natural rate of unemployment _____, the nonaccelerating inflation rate of unemployment _____, and the long-run phillips curve shifts to the right.
If the natural rate of unemployment falls, the nonaccelerating inflation rate of unemployment falls, and the long-run Phillips curve shifts to the right.
A superb supply stock or a boom in combination supply will cause the Phillips curve to shift to the left. moreover, something that can purpose the overall delivery of products and offerings to increase can shift the Phillips curve to the left. The Phillips curve states that inflation and unemployment have an inverse relationship. higher inflation is associated with decreased unemployment and vice versa.
The Phillips curve was a concept used for manual macroeconomic policy inside the 20th century however become called into question by the stagflation of the 1970s. according to the NAIRU concept, expansionary financial policies will create the best temporary decreases in unemployment as the financial system will regulate the natural fee. moreover whilst unemployment is below the natural fee inflation will accelerate.
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What type of culture emerges in an environment that requires fast response and high-risk decision making?
Answer:
The achievement culture emerges in an environment that requires fast response and high-risk decision-making. 46. An achievement culture is found in an environment that is dynamic and requires high-risk decision-making.
Explanation:
Madelyn is calculating the present value of a bonus she will receive next year. The process she is using is called:_____
Madelyn is calculating the current value of a bonus she's going to receive next year. the method she is using is termed Discounting.
Discounting is that the process of determining this value of a payment or a stream of payments that's to be received within the future. Given the note value of cash, a dollar is worth more today than it might be worth tomorrow. Discounting is that the primary factor employed in pricing a stream of tomorrow's cash flows. Discounting is that the process of determining the current value of a future payment or stream of payments. A dollar is usually worth more today than it might be worth tomorrow, in keeping with the concept of the duration of cash. the next discount indicates a greater the amount of risk related to an investment and its future cash flows.
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Contact with banks for the purpose of opening company bank accounts should normally be the responsibility of the corporate:________
Contact with banks for the purpose of opening company bank accounts should normally be the responsibility of the corporate Board of Directors. A bank account is a financial account kept by a bank or other financial organization in which financial transactions between the bank and a customer are documented.
Each financial institution determines the terms and conditions for each type of account it provides, which are divided into frequently understood types such as bank accounts, credit card accounts, current accounts, loan accounts, and many other sorts of accounts. A consumer may have more than one account. Loan loaders allow funds to be withdrawn.
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Which of the following is counted in the money supply?
Barter
Currency
Personal debt
Mortgage balances
The option that tells us what is counted in the money supply would have to be Mortgage balances.
What is meant by money supply?This is the term that is used to refer to the total amount of money that is in circulation in a particular economy at a period of time. It is the money that is in circulation that the people especially households and businesses would use in their daily transactions in the economy at a period of time.
Hence we would have to conclude that the The option that tells us what is counted in the money supply would have to be Mortgage balances.
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Answer:
B. Currency.
Explanation:
Took the test and got ir right.
Have a nice day!
chou company has a net income of $42,900, assets at the beginning of the year are $250,000 and assets at the end of the year are $300,000. compute its return on assets.
If chou company has a net income of $42,900, assets at the beginning of the year are $250,000 and assets at the end of the year are $300,000. its return on assets is 15.6%.
Return on assetUsing this formula
Return on assets=Net income/Total asset
Let plug in the formula
Return on assets=$42,900/($250,000+$300,000)/2
Return on assets=$42,900/$550,000/2
Return on assets=$42,900/$275,000
Return on assets=15.6%
Therefore If chou company has a net income of $42,900, assets at the beginning of the year are $250,000 and assets at the end of the year are $300,000. its return on assets is 15.6%.
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transmission and receipt of a purchase order is which type of flow? group of answer choices cash work material information
Transmission and receipt of a purchase order are the types of information flow.
Supply chain management contains specific varieties of records like payments of substances, product records, stock stage, order information, and so forth. Statistics flow includes product truth sheets, transmitting orders, schedules, and delivery fame updates.
Supply chain management is the control of the flow of goods and offerings and consists of all procedures that transform raw materials into very last products. It entails the energetic streamlining of a business's supply-aspect activities to maximize patron value and benefit a competitive gain in the marketplace.
Information flow is the waft of information from dealer to client and from the consumer back to the dealer. This go with the flow is bi-directional, that is, it goes each course inside the deliver chain.
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are fundamental to theories of social justice upon which capitalist economies have been built.
Equality and freedom are fundamental to theories of social justice upon which capitalist economies have been built.
The conceptions of social justice that democratic societies and capitalist economies are based on, such as liberty and equality, are essential to understanding business ethics. Additionally, they form the basis of the majority of contemporary notions of social justice.
A branch of philosophical ethics known as "virtue ethics" aims to fully and precisely describe the character qualities, or virtues, that would make up a desirable and fulfilling human life. In business, ethical issues are as inevitable as worries about marketing, accounting, finance, and human resources.
A subfield of philosophy called ethics studies conceptions of right and bad behavior and identifies, defends, and suggests appropriate actions. Ethos is a phrase used to define the core values or beliefs that support a society, a country, or an ideology.
Two of the most fundamental principles in America are freedom and equality. In life, equality means having the same opportunities and rights, while freedom is having the ability to choose your own path or hold different opinions.
The definition of equality is the state of being equal or the same in terms of quality, measure, respect, or value. Equality of the sexes is demonstrated when men and women are both seen as equally intelligent and capable.
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Why was parchment a better alternative to papyrus? it was mass produced. it was more decorative. it was smoother. it was thinner.
Parchment was a better alternative to papyrus particularly because it was smoother as compared to rougher papyrus.
Invented by Egyptians in the 3rd century BC, parchment and paper, and papyrus is made from stretched and dried animal skins. It is then cut into thin sheets and made ready to be written upon. While papyrus is made from calfskin, goatskin, or sheepskin. Parchment replaced papyrus because of the advantage that it could be grown anywhere, while papyrus could be produced only in Egypt since papyrus trees exclusively grew there. Further, since papyrus was a widely traded item in the Roman-Egyptian trade, with the Fall of the Roman empire, the trade declined and so did the supply to the Roman and European world. Other reasons are its quality. Papyrus was rough, brittle, and exclusively prone to fraying, while parchment was smooth, springy, and resilient.
Therefore, Papyrus was a poor substitute; parchment was superior because it was smoother than papyrus, which was rougher.
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Increasing trade between two countries makes everyone in those countries better off. True or false?.
The statement "Increasing trade between two countries makes everyone in those countries better off" is true.
If one country produces a product in which it has a competitive advantage, bilateral trade may benefit both. Product output and consumer welfare in both nations Complete with fixed costs and incomplete with rising costsTrade helps to improve global efficiency. When a country opens up to commerce, capital and labor flow to firms that make greater use of them. This movement improves society's living standard. These impacts, however, are only a part of the narrative.International trade enables countries to expand their markets and gain access to commodities and services that might otherwise be unavailable locally. As a result of international trade, the marketplace has become more intense. This ultimately leads to more competitive pricing and a lower-cost product for the consumer.Thus this is the meaning of increasing trade between two countries.
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real estate principles: a value approach, 6th edition; by david c. ling and wayne r. archer. mcgraw hill.
The study and practice of actual estate draws on a multitude of disciplines which include architecture, urban and regional planning, building creation, urban economics, law, and finance. This diversity of views offers a task to the teacher of a real estate principles course.
Depending on their backgrounds and training and on the interests of the students, some instructors may pick out to emphasize the legal principles that define and limit the capability fee of real property. Other instructors may also cognizance extra on licensing and brokerage troubles (famous subjects with many college students) or at the investment decision-making method. He have a look at and exercise of actual estate draws on a mess of disciplines including structure, urban and regional planning, building creation, urban economics, law, and finance. This range of views gives a task to the instructor of a actual property ideas path. depending on their backgrounds and schooling and at the interests of the students, some teachers may choose to emphasize the legal concepts that define and limit the potential cost of actual estate. other instructors may also attention greater on licensing and brokerage issues (popular topics with many students) or at the investment decision-making process.
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Wilma buys a new game that is priced $43.89. she gets successive discounts of 15% followed by 5% off on the game. the purchase price of wilma’s game is _____ of the original price. a. 79.5% b. 80% c. 80.75% d. 82% please select the best answer from the choices provided a b c d
Wilma buys a new game that is priced $43.89. She gets successive discounts of 15% followed by 5% off on the game. The purchase price of wilma’s game is 80.75% of the original price.
Each month, Goodwill will have a replacement "Price Game' contest. Winners must guess the entire price of an outfit or The purchase price of game is 80.75% of the original price. Table setting without going over. the primary person to properly guess the value will win a $50 Goodwill gift card. Even the $69.99 games that were released back in 2020 would today be priced at $80.13 (if game prices were kept at a continuing pace with inflation).
That's a 14% increase. This suggests that although the typical price of latest video games increased in absolute terms, discounts they got cheaper over the years in relative terms. Surprisingly, game prices being stable at around $60 has benefits for both gamers and game companies.
The value is one that gamers are willing to pay, and game companies have settled thereon as how to form a stable profit. With rising production costs, however, $60 might not be the discounts start line forever. The Price is True game puts all the joy of TV's longest-running and preferred giveaway within the palm of your hands because it makes its debut on the Nintendo DS.
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the school leader plans to meet with mr. roberts to review the data and letter. they plan to work together to develop an instructional improvement plan.
"Instructional Improvement" – what is it? In the literature on higher education, professional development programs for college instructors with the goal of enhancing their performance in the classroom are referred to as "instructional improvement."
What is a plan for improving education?Picture of what an improvement plan for education means
State-by-state variations in the specifications for a school improvement plan, or SIP, do not change the fact that its main objective is to record the objectives, plans of action, and methods intended to raise the standard of education for students.
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Which are voluntary deductions? Select the two correct answers
A. health insurance
B. delinquent child support
C. retirement plan contribution
D. Social Security
E. FICA
Voluntary deductions are health insurance and retirement plan contribution (option A and C).
What are voluntary deductions?Voluntary deductions are deductions from the pay check of an employee in which the employee has the latitude to make the decision of either allowing the deduction or not allowing the deduction.
On the other hand, compulsory deductions the employee has no choice on allowing the deduction. The deduction is automatically subtracted from income.
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Answer:-Retirement plan contribution
-health insurance
Explanation:
Seed money is a type of financing appropriate for a company in what stage of development?
Seed money is the riskiest shape of making an investment. It entails making an investment in a corporation in its earliest degree of development, a ways earlier than it generates sales or profits. Due to such reasons, assignment capitalists or banks typically keep away from seed financing.
Seed money additionally referred to as seed cash or seed financing—is called such due to the fact it's miles cash raised via way of means of an enterprise in its infancy or early stages. It should not be a huge quantity of cash. Because it comes from private sources, it is regularly a rather modest sum.
Seed money is the financing used to finance a brand new startup or new corporation at its preliminary release degree in change for equity. The word “seed” denotes the perception that if a plant is to be grown, the seed is needed; likewise, preliminary investment is needed if an enterprise grows.
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mcdarrel's records $500 of accrued salaries on december 31. three days later, on january 3, total salaries of $4,000 (including the $500 accrued at year end) are paid. demonstrate the required journal entry on january 3 by selecting from the choices below. (check all that apply.
Salaries expense would be debited for $3,500. Salaries payable will be debited for $500. Cash would be credited for $4,000
What are accrued salaries?
Accrued salaries are salaries owed to workers for work they have already performed, in other words, they are expenses incurred because the employees have worked, but the only outstanding is that payment to workers has not been effected.
When the $4,000 is paid, the cash balance of the company would reduce by the same amount , in effect, cash account would be credited with $4,000, the credit posted to salary payable initially would be reversed by posting a debit entry in salary payable account such that the remaining $3,500 is debited to salaries expense account, in other words,
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Full question with options:
McDarrel's records $500 of accrued salaries on December 31. Three days later, on January 3, total salaries of $4,000 (including the $500 accrued at year end) are paid. Demonstrate the required journal entry on January 3 by selecting from the choices below. (Check all that apply.) Multiple select question. Salaries payable will be credited for $500. Salaries expense would be debited for $3,500. Salaries payable will be debited for $500. Cash would be credited for $4,000. Wages expense will be debited for $4,000.
Baldwin company incurred and recorded an expense for material costs that have not yet been paid as of year-end. on the balance sheet, they will most likely be reported as:_____.
Based on the fact that Baldwin company has not yet paid the expense for material costs, this will be reported as Accrued expenses.
What are accrued expenses?Accrued expenses are those expenses that a company has recorded for a period but by the end of the period have not be able to pay it off.
Accrued expenses will be recorded to show that a company still owes for the expenses at the end of the period. It is therefore shown as a current liability in the balance sheet.
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In an average year, what is the typical pattern of stock market moves look like?
The typical pattern of stock market moves look like-
Flag. The flag stock chart sample is fashioned as a sloping rectangle, in which the assist and resistance lines run parallel till there may be a breakout. The breakout is typically the other route of the trendlines, which means this is a reversal pattern.
what is the maximum common stock sample?
Triangles are some of the maximum famous chart patterns used in technical evaluation considering that they occur frequently in comparison to different patterns stock market. The three most common types of triangles are symmetrical triangles, ascending triangles, and descending triangles.
what is the most reliable pattern in buying and selling?
Head and shoulders pattern is taken into consideration to be one of the maximum dependable reversal chart styles. This sample is shaped when the costs of the stock rises to a top and falls right down to the same degree from in which it had commenced rising.
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Those aspects of business that a retailer can directly affect are referred to as ________.
Those aspects of business that a retailer can directly affect are referred to as controllable variables. Generally speaking, strategy, marketing, finances, human resources, technology and equipment, and operations make up the six functional areas of business management. As a result, all business planners should focus on thoroughly investigating and comprehending these topics as they apply to the specific business.
The book All Aspects of the Business/Organization lists nine characteristics that apply to all businesses. The book All Aspects of the Business/Organization lists nine characteristics that apply to all businesses. For success, learners should practice and comprehend the related ideas and abilities.
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gabrielle is a marketer with a non-profit organization building schools in ecuador. she is given the task to evaluate the organization’s new value proposition. to best evaluate the value proposition, she should come from the perspective of the:
Gabrielle is a marketer with a non-profit organization building schools in ecuador. she is given the task to evaluate the organization’s new value proposition. to best evaluate the value proposition, she should come from the perspective of the target market
The entire number of buyers and sellers in a given area or region is referred to as the market. The region can represent the entire planet, as well as certain states, provinces, or cities. Items traded are valued, costed, and priced in accordance with market forces of supply and demand. The market could exist as a real or virtual thing. It might be local or universal, flawless or flawed. The term "available market" refers to the whole population of a market. The "market minimum," or the market size that will purchase items without any marketing effort, exists inside the accessible market. The lowest sale a business might make in the absence of any action is this one.
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