The exact amortisation plan would determine the principal component of the 200th payment of a fully amortising $250,000, 30-year fixed loan with an interest rate of 4.825 percent.
What does a 5-year term with a 25-year amortisation mean?A loan can have a five-year term, but the payments might follow a 25-year amortisation schedule. This has the advantage of lowering the monthly payment for the borrower to reduce cash expenditure, but it also results in a "balloon payment" at the end of the period.
How is the principle payment on an amortised loan determined each period?Take the total loan amount and multiply it by the interest rate starting in month one loan. Then, divide the result by 12 to obtain the monthly interest for a loan with monthly installments. The amount that is applied to the principal is determined by deducting the interest from the total monthly payment.
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How did US 46th president won the election?
The 46th President of the United States is Joe Biden, and he won the 2020 presidential election by securing a majority of the electoral votes.
How did Joe Biden win the Election?In the United States, presidential elections are not won by popular vote but by an electoral college system. Each state is awarded a certain number of electors based on its population size, and the candidate who wins the popular vote in a state usually receives all of that state's electoral votes.
Joe Biden won the 2020 election by securing 306 electoral votes, while his opponent, the incumbent President Donald Trump, received 232 electoral votes. Biden's victory was largely due to winning key battleground states such as Pennsylvania, Michigan, and Wisconsin, where he flipped states that had previously voted for Trump in the 2016 election.
Biden also won the popular vote, receiving over 81 million votes, the most ever for any U.S. presidential candidate. The election saw record turnout, with over 159 million Americans casting their ballots.
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Consider the following statements about the functions of the federal reserve and select all that are true (select all that apply)
A. control and regulate the American financial industry ,B. credit cash to banks in emergency ,D. deal with the country's money supply and E . lend money to businesses that want to raise money.
What is a bank of the Federal Reserve?The United States of America's central bank or central banking system was established in 1913 to implement a Federal reserve act in response to previous financial panics that occurred prior to 1913.
Maintaining the United States' banking system is one of the Federal Reserve bank's primary responsibilities.
The selected options in the responses fall under the purview of the question and are a component of the Federal Reserve bank's operations. It manages the country's currency supply, lends money to businesses or the US government as project capital, regulates the banking systems of America, and lends money to banks in trouble to help them meet their obligations on time.
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Complete Question:
What are the responsibilities of the Federal Reserve? Check all that apply.
A. regulate and supervise the American banking industry
B. loan money to banks in a crisis
C. provide banking and loan services to individual Americans
D. manage the nation’s currency supply
E. loan money to corporations that want to raise capital .
From the following data, calculate national income by expenditure method. (7mks)
Items (000)
1. Compensation of employees 1,200
2. Net factor income from - 20
3. Net indirect taxes 120
4. Profit 800
5. Private final consumption expenditure 2,000
6. Net domestic capital formation 770
7. Consumption of fixed capital 130
8. Rent 400
9. Interest 620
10. Mixed income of self-employed 700
11. Net exports - 30
12. Govt. final consumption expenditure 1,100
13. Operating surplus 1820
14. Employer’s contribution to social security Scheme 300
Answer:
To calculate national income by expenditure method, we use the following formula:
National Income (NI) = Private Final Consumption Expenditure (PFCE) + Government Final Consumption Expenditure (GFCE) + Gross Domestic Fixed Capital Formation (GDFCF) + Net Exports (NX)
Where,
Gross Domestic Fixed Capital Formation (GDFCF) = Net Domestic Capital Formation + Consumption of Fixed Capital
Net Exports (NX) = Exports - Imports
So, putting the given values in the formula, we get:
Gross Domestic Fixed Capital Formation (GDFCF) = Net Domestic Capital Formation + Consumption of Fixed Capital
= 770 + 130
= 900
Net Exports (NX) = Exports - Imports
= -30
National Income (NI) = Private Final Consumption Expenditure (PFCE) + Government Final Consumption Expenditure (GFCE) + Gross Domestic Fixed Capital Formation (GDFCF) + Net Exports (NX)
= 2000 + 1100 + 900 - 30
= 3970
Therefore, the national income by expenditure method is 3970,000.
Rene wants to get into business by owning a restaurant, and she’d prefer to acquire a franchise from a well-known burger chain to make it happen. Which aspect of her plan could prove to be most problematic? A. finding a location where young people congregate B. dealing with dissatisfied customers from other franchise outlets C. paying the assorted licensing and marketing fees D. determining the kinds of menu items to offer
The aspect of Rene's plan relating to acquiring a franchise that could prove to be most problematic is likely: C. paying the assorted licensing and marketing fees.
What is a Franchise?A franchise is a business model in which a company grants a third-party operator the right to use its name, products, and processes in exchange for an initial fee and ongoing royalties.
Acquiring a franchise from a well-known burger chain involves significant financial investment in terms of franchise fees, ongoing royalties, and marketing expenses. These expenses can be considerable and may make it difficult for Rene to turn a profit, particularly in the early stages of the business.
Additionally, franchisors often have strict rules and regulations regarding menu items, branding, and customer experience, which may limit Rene's creativity and flexibility in running the restaurant. While the other options mentioned could also pose challenges, they are likely to be more manageable than the financial and contractual obligations of franchise ownership.
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How is marine insurance different from automobile insurance?
Calculate the total account value of $1,000.00 principal at 10% interest for 5 years
Answer: $1,610.51
Explanation:
The total account value can be calculated using the formula:
A = P(1 + r/n)^(nt)
Where:
- A is the total account value
- P is the principal amount, which is $1,000.00
- r is the annual interest rate, which is 10% or 0.1
- n is the number of times the interest is compounded per year, which is usually 12 (monthly)
- t is the time period in years, which is 5
Using this formula, the total account value would be:
A = 1000(1 + 0.1/12)^(12*5)
A = $1,610.51
Therefore, the total account value after 5 years with a principal of $1,000.00 and 10% interest would be $1,610.51.
can i consider u as a market for yellow paper even if you are not willing to spend your 1 peso at this moment becuase you still have a yellow paper to use.if yoir answer is yes or no justify your answer
The willingness and capacity to buy yellow paper determine whether a person can be regarded as a market for it.
Under what condition one might not need yellow paper?One might not need yellow paper if they do not have a use for it. For example, if someone primarily works on a computer and does not need to take physical notes or make physical copies of documents, they may not have a need for yellow paper. Similarly, if someone works in an industry or job that does not require the use of paper documents, they may not need yellow paper.
Additionally, if someone is actively trying to reduce their environmental impact or carbon footprint, they may choose to minimize their use of paper products, including yellow paper. Ultimately, the need for yellow paper or any other product will depend on individual circumstances and preferences.
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The total revenue and total cost functions are given as
TR=500-0.0002502
TC=361250+50+0.0002Q²
What is the profit maximizing quantity?
Answer Choices:
a. 43675
b. 30,000
c. 40,000
d. 50,000
Answer:
(d) 50,000.
Explanation:
hope this helps out!
How to tell someone that you see them as a father figure
Answer:You can just be like"Hey can I talk to you for a minute" and then you guys sit down and just be like "Umm I wan to tell you this for a lo ng time now but I see you have a father figure"
Explanation:
Buford sells an apartment building for $720,000. His adjusted basis is $500,000 for regular income tax purposes and $550,000 for AMT purposes.
a. Buford's recognized gain for regular income tax purposes is
b. Buford's recognized gain for AMT purposes is
c. Buford's AMT adjustment is and its value is
For normal income tax purposes, Buford has a gain that is valued at $220,000 ($720,000 - $500,000). ($720,000 - $550,000) Buford's recognised gain for AMT purposes is $170,000.
What serves as the stock's foundation when it is traded for property?The adjusted basis of the property you transferred to the corporation, increased by: Any gain realised by you, is the basis of the shares you get in exchange for that property.
What is the foundation of the goods acquired through a nontaxable exchange?Nontaxable Exchanges - A nontaxable exchange is one in which neither a gain nor a loss may be written off. In a nontaxable exchange, the basis of any property you get is often the same as the basis of the item you swapped.
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Grand Travel just paid an annual dividend of $2.3 a share and is expected to increase that amount by 5 percent per year. If you are planning to buy 1,000 shares of this stock next year, how much should you expect to pay per share if the market rate of return for this type of security is 10 percent at the time of your purchase?
The price I would expect to purchase 1000 shares next year will be $48,300.
What price will I be willing to pay for the shares?The price of the share can be determined using the Gordon constant growth dividend model. According to this model, the price of a share is a function of the dividend, growth rate and the discount rate.
Price of the share = [dividend just paid x (1 + growth rate] / (discount rate - growth rate)[2.3 x (1 + 0.05)] / (0.1 - 0.05) 2.415 / 0.05 = $48.30 Price of 1000 shares = $48,30 x 1000 = $48,300
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What is one or more printed or electronic pages of information issued to generate publicity or shed light on a subject of interest.
News release is the one or more printed or electronic pages of material released to raise awareness of something or shine light on it. The option (E) is correct.
What does public relations publicity mean?Any information shared with the public through the media that has the power to alter public perception of a brand, organisation, person, or product is referred to as publicity. There is a mix of good and bad news because the entity being discussed doesn't manage or control the information.
What is an illustration of public relations and publicity?Campaigns in traditional media, sponsorships, product placement, social media campaigns, consumer education, and corporate social responsibility are a few examples of public relations.
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The complete question is below:-
A _____ is one or more printed or electronic pages of information issued to generate publicity or shed light on a subject of interest.
A. feature article
B. house organ
C. press bulletin
D. media announcement
E. news release
Given the interest rate of 10%, if the initial investment is 200,000 and the amount of annual investment is 30,000 to be made forever, what is the capitalized cost?
Answer Choices:
a. 230,000
b. 170,000
c. 300,000
d. 500,000
Answer:
200000×10×30000÷100
Explanation:
answer 600000000
discuss the 8-point socioeconomic agenda of the marcos administration
President Ferdinand "Bongbong" Marcos Jr.'s economic team unveiled his administration's eight-point economic program on Monday.
What exactly did Bongbong Marcos do?
From 1992 until 1995, Marcos served as the Representative of Ilocos Norte's 2nd congressional district. In 1998, he was re-elected Governor of Ilocos Norte. He returned to his old post as Congressman from 2007 to 2010, then as Senator for the Nacionalista Party from 2010 to 2016.
Marcos, who governed by decree after that, restricted press freedom and other civil freedoms, disbanded Congress, controlled media outlets, and ordered the imprisonment of opposition leaders and militant activists, including his staunchest adversaries, Senators Benigno Aquino Jr. and Juan Ponce Enrile.
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The directs behavior toward instant gratification and away from contemplating consequences.
O projective personality tests
O psychoanalysis
O ego
O reciprocal determinism
O traits
O pleasure principle
O self-efficacy
superego
O ego defense mechanisms
O id
Answer:
Explanation:
The pleasure principle refers to the tendency of the id, the primitive part of the psyche, to seek immediate gratification of its basic needs and desires, regardless of the potential consequences. Therefore, the correct answer is "pleasure principle."
The other terms listed in the options are:
Projective personality tests: These are a type of psychological test that assesses an individual's personality traits and behaviors by analyzing their responses to ambiguous stimuli.
Psychoanalysis: This is a therapeutic approach that focuses on exploring an individual's unconscious thoughts and emotions to gain insight into their mental health and behavior.
Ego: This is the part of the psyche that mediates between the id's impulses and the demands of reality.
Reciprocal determinism: This is a concept in social psychology that describes the interaction between an individual's behavior, their personal factors, and their environment.
Traits: These are enduring characteristics that describe an individual's behavior and personality.
Self-efficacy: This refers to an individual's belief in their ability to succeed in a particular task or situation.
Superego: This is the part of the psyche that represents the internalized moral standards and values of society.
Ego defense mechanisms: These are unconscious psychological processes that individuals use to cope with anxiety and protect their ego from emotional distress.
Which of the following two markets classify the sale of newly issued five-year securities by the issuing company as ‘trading’?
1. primary market and the money market
2. primary market and the capital market
3. secondary market and the money market
4. secondary market and the capital market
Answer:
The correct answer is option 4: secondary market and the capital market.
John feels that he owns an insignificant percentage of shares and he wants to sell his shares what otherwise would you offer him provide three points
If John purchased a minor share, he must replace it with other potentially profitable options.
What options does he have?There are several ways to invest in the financial market. The first is to buy a bond, also known as a fixed income security, in which he will receive interest along with the principal at maturity.
Second, he can analyse the market and find the best or most profitable share at the time, and then invest in that share to profit in the future.
He can also go to the option market, where he can pay a small amount of money as a premium or give the person the right to buy or sell the share in the future.
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is when producers advertise to wholesalers and retailers about their
products.
O A. Institutional advertising
O B. Comparison advertising
O C. Trade advertising
OD. Pull advertising
Answer:
THE ANSWER IS A
Explanation:
why are some counties rich and others poor?
The reasons why some counties are rich and others are poor are complex and multifaceted. However, some factors that may contribute to a county's level of wealth include natural resources, access to education and infrastructure, political stability, economic policies, and historical legacies. Additionally, global economic trends and international trade can also have a significant impact on a county's economic situation.
When others have helped you write a report, you usually thank them in an acknowledgments section somewhere in the report
Answer: Acknowledgments are a section in a report where you thank and credit the individuals or organizations who have helped you in your work.
Explanation: In academic or professional writing, it is common practice to include an acknowledgments section in a report where you can thank and credit individuals or organizations who have helped you in your work. This section is typically placed at the beginning or end of the report, and is a way to recognize the contributions of those who have assisted you.
Acknowledgments could include thank you notes to individuals who provided their expertise, resources or time towards a research project, or those who supported you in other ways, such as colleagues, friends or family. The acknowledgments section is also a place to acknowledge funding sources that supported your research or project, or organizations that provided in-kind support.
It is important to acknowledge the contributions of others in your work as a sign of appreciation for their help, but also as a way of establishing transparency in your research or project. It helps to legitimize your work and makes it clear that you did not take credit for someone else's ideas or contributions. Additionally, acknowledging others’ contributions might create opportunities for future collaborations and working relationships.
Overall, the acknowledgments section is a crucial part of a report, as it helps to recognize the efforts of all those who have contributed to the work, and establishes the writer as a trustworthy and collaborative professional.
why some countries rich and others poor
Answer: Some countries are poor and some are rich because of the level economic wealth, including free trade, more investment, financial market development, and good government. There are many other factors to take in as well.
1.) Explain the difference between fastest growing occupations and occupations with the most openings?
2.) How doe knowing this difference help you choose an occupational goal?
Answer:
1)The difference between fastest growing occupations and occupations with the most openings is as follows:
Fastest growing occupations are the jobs that are projected to have the highest rate of job growth in a particular time period, typically over a decade. These jobs may not necessarily have a high number of current job openings, but they are expected to experience significant growth in demand for workers due to various factors such as technological advancements, demographic changes, and economic shifts.
Occupations with the most openings, on the other hand, are the jobs that currently have the highest number of available job openings. These jobs may not necessarily have a high rate of job growth, but they have a high number of current job openings due to various factors such as retirement of workers, turnover, and expansion of businesses.
2)Understanding the difference between fastest growing occupations and occupations with the most openings can help you choose an occupational goal in the following ways:
If you are interested in a career that is projected to have high demand in the future, you may want to consider pursuing a profession in one of the fastest growing occupations. This can increase your chances of finding employment in the future and potentially provide you with a stable career path.
If you are looking for immediate job opportunities, you may want to consider exploring the occupations with the most openings. This can increase your chances of finding employment quickly and potentially provide you with valuable work experience.
It's important to note that the fastest growing occupations and occupations with the most openings may not necessarily align with your personal interests, skills, or values. Therefore, it's essential to research and consider various factors such as job satisfaction, salary, work-life balance, and long-term career prospects when choosing an occupational goal.
What is value engineering?
Answer:
Value engineering (VE) is a systematic analysis of the functions of various components and materials to lower the cost of goods, products and services with a tolerable loss of performance or functionality. Value, as defined, is the ratio of function to cost. Value can therefore be manipulated by either improving the function or reducing the cost. It is a primary tenet of value engineering that basic functions be preserved and not be reduced as a consequence of pursuing value improvements.[1] The term "value management" is sometimes used as a synonym of "value engineering", and both promote the planning and delivery of projects with improved performance [2]
The reasoning behind value engineering is as follows: if marketers expect a product to become practically or stylistically obsolete within a specific length of time, they can design it to only last for that specific lifetime. The products could be built with higher-grade components, but with value engineering they are not because this would impose an unnecessary cost on the manufacturer, and to a limited extent also an increased cost on the purchaser. Value engineering will reduce these costs. A company will typically use the least expensive components that satisfy the product's lifetime projections at a risk of product and company reputation.
Due to the very short life spans, however, which is often a result of this "value engineering technique", planned obsolescence has become associated with product deterioration and inferior quality. Vance Packard once claimed this practice gave engineering as a whole a bad name, as it directed creative engineering energies toward short-term market ends. Philosophers such as Herbert Marcuse and Jacque Fresco have also criticized the economic and societal implications of this model.
Explanation:
Value engineering is a systematic analysis of the functions of various components and materials to lower the cost of goods, products, and services with a tolerable loss of performance or functionality. Value, as defined, is the ratio of function to cost. Value can therefore be manipulated by either improving the function or reducing the cost.
Omar wants to know how his organization has been doing financially over the last year he wants to also compare this information to the previous years data what type of spreadsheet document should he use
Answer: Profit-and-loss statement
Explanation: yes
what is the best lead ganaration tool?
Answer:
The best tool you could use is probably a smart phone
Explanation:
PLEASE HELP ME OUT ASAP I NEED HELP (IMPORTANT!!!)
Jackie Paige Visits Khali, Asia
The Dennis Packbell International Corporation had recently decided to introduce its very successful US-based product into the Khali market in Asia. In that effort, its VP of Global Business Development, Jackie Paige visited Khali along with Packbell’s management consulting firm retained for this project, McBain & Company.
While touring potential manufacturing sites in the vicinity of Danglore, Khali, Mrs. Paige was faced with a stark reality of sites where mostly female employees in the 12-14 years of age category were performing manual labor, in an almost sweatshop setting. Jackie was also shocked that there were dozens of electrical power lines which were intertwined and exposed to the eye, something that was highly unusual in her professional life.
Jackie was further perplexed, when the person accompanying her from McBain said: “No worries, it is very common here in Khali to do business in this fashion”.
Questions:
Do you see ethical issues here? Please analyze and elaborate. Mention each and every ethical issue you see here.
All else equal, should Jackie suggest manufacturing Dennis Packard’s goods in Khali? Please elaborate and suggest any qualifications to your answers you may have.
The situation raises significant ethical concerns around treatment of workers, particularly children, as well as the responsibility of businesses to prioritize safety and fair labor practices.
What is labor?Labor refers to the physical or mental effort that people put into work or production activities to achieve a particular outcome. It can involve the use of skills, knowledge, and abilities to create goods or services. Labor is an essential component of economic activity and plays a crucial role in the production process. The quality and quantity of labor are key determinants of the level of output and productivity in an economy. Labor can be classified into various categories, including skilled, unskilled, manual, intellectual, and creative, depending on the type of work involved. Factors such as education, training, experience, and technological advancements can significantly impact the nature of labor and the productivity levels of workers. As such, labor is a critical factor in the functioning of markets, businesses, and the economy as a whole.
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SAPPY HAD A LITTLE LAM, No he didn’t. True or false?
question questionquestionquestionquestionquestionquestionquestionquestionquestion
Explanation:
what's the question I'm waiting to hear it
What should you click and drag to rotate an image or text box?
O the top right corner of the image or text box
O the clear arrow above the image or text box
the lower left corner of the image or text box
O the red box at the center of the image or text box
To rotate an image or text box, you should: A. the top right corner of the image or text box.
What should you click and drag to rotate an image or text box?Typically, when you hover your mouse over the corner of the image or text box, the cursor will change to a curved arrow, indicating that you can click and drag to rotate the element.
This allows you to freely adjust the angle of the element to your desired orientation. Some software may have slightly different interfaces, but in general, rotating an image or text box by clicking and dragging the top right corner is a common method across many applications.
Therefore the correct option is A.
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Answer:
B) the clear arrow above the image or text box
It's considered admirable for a corporation to include members of a number of stakeholder groups onto its board of directors. Many firms have members who are employees, union leaders, customers, and other stakeholder groups. Is this ALWAYS a good idea? What are the advantages and disadvantages of doing this?
Answer:
Including members of various stakeholder groups on a corporation's board of directors is often considered admirable, as it can lead to a more diverse range of perspectives and interests being represented. However, while there are certainly advantages to doing this, it is not always a good idea, as there are also potential disadvantages to consider.
One advantage of including members of stakeholder groups on a corporation's board of directors is that it can help to ensure that the interests of various stakeholders are being taken into account. For example, having an employee representative on the board can help to ensure that the needs and concerns of workers are being considered when important decisions are being made. Similarly, having a customer representative can help to ensure that the company is making decisions that are in the best interest of its customers. This can lead to better decision-making overall, as the board is more likely to take a holistic view of the business and consider the impact of its decisions on various stakeholders.
However, there are also potential disadvantages to including members of stakeholder groups on a corporation's board of directors. One potential disadvantage is that these individuals may have competing interests that make it difficult for them to effectively represent the interests of the corporation as a whole. For example, an employee representative may prioritize the needs of workers over the needs of the company, which could lead to decisions that are not in the best interest of the business. Similarly, a customer representative may prioritize the needs of customers over the needs of shareholders, which could lead to decisions that negatively impact the company's bottom line.
Another potential disadvantage is that including members of stakeholder groups on the board can lead to conflicts of interest. For example, a union leader who sits on the board may be conflicted when it comes to making decisions about employee wages and benefits. They may feel pressure to advocate for their union members, even if it is not in the best interest of the company as a whole. This can lead to tension between board members and may make it more difficult to reach consensus on important decisions.
In conclusion, while including members of stakeholder groups on a corporation's board of directors can have advantages in terms of ensuring that the interests of various stakeholders are being taken into account, it is not always a good idea. There are potential disadvantages to consider, including competing interests and conflicts of interest. Ultimately, the decision to include members of stakeholder groups on the board should be made on a case-by-case basis, with careful consideration given to the potential benefits and drawbacks of doing so.