Five years ago you took out a 30-year mortgage with an APR of 6.5% for $200,000. If you were to refinance the mortgage today for 20 years at an APR of 4.25%, how much would your monthly payment change by?

Answer:

The correct answer is D)

Risk due to a sudden surge in liability withdrawals.

Explanation:

In banking terms, this simply refers to the inability of the bank to meet with its financial responsibilities in the near term.

When a bank has excess capital tied down in the form of loans which have been collateralised, the physical assets upon the default of the loans become assets to the bank. Its liabilities to the depositors which are still in existence have to be met. If at any point in time the bank is unable to meet its liability to depositors and is also unable to quickly convert the assets, then it is said to be exposed to the risk of liquidity.

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Answer:

Rate = 6.666%

Explanation:

First, the formula of the simple interest rate is:

R = I/PT x 100%

Put in the numbers:

R = $100/($150 x 10 years) x 100%

Then calculate:

R = $100/$1500 x 100%

R = 100/15%

R = 6.666%

The statement that best describes conflict of interest is - An employee engaging in an activity that may benefit that individual to the detriment of his employer or clients of the firm

Conflict of interest arises when the interest of an employee is not aligned with the interest of his/her employer or clients.

For example, an employer might decide to take a project even though it is not profitable because if the project is undertaken it would increase the prestige of the employee. This project would be benefit the employee but not the employer.

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To work out the new equilibrium, we really want to consider the past equilibrium, finance charge, new buys, credits, and installments.

Past surplus: $658.94,Finance charge: $10.71,New buys: $54.21, $36.28, $98.56,Credits: $145.81,Installment: $100.00,the new surplus is $612.89.

Harmony, in material science, the state of a framework when nor its condition of movement nor its inward energy state will in general change with time equilibrium.

A basic mechanical body is supposed to be in balance assuming it encounters neither direct speed increase nor precise speed increase; except if it is upset by an external power, it will go on in that condition endlessly. For a solitary molecule, balance emerges in the event that the vector amount of all powers following up on the molecule is zero installments.

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The nature of public administration has undergone significant changes over the years. Traditional public administration was characterized by hierarchical structures.

However, with the increasing complexity of modern society, new challenges have emerged that require a more flexible and responsive approach to public administration.

One of the key changes in public administration has been the shift towards more participatory and collaborative approaches. This has been driven by a growing recognition of the importance of engaging citizens and stakeholders in decision-making processes, and the need to build trust and legitimacy in government institutions.

Another important change has been the adoption of technology in public administration. From e-government initiatives to data-driven decision-making, technology has transformed the way that government organizations operate and interact with citizens.

At the same time, there has been a growing emphasis on performance management and accountability in public administration. This has involved the development of performance metrics, the use of benchmarking and evaluation, and a focus on outcomes rather than inputs.

Overall, the changing nature of public administration reflects the broader shifts in society towards greater complexity, interdependence, and accountability. While there are still many challenges to be addressed, the evolution of public administration offers hope for more effective and responsive governance in the years to come.

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Answer:

O zero

Explanation:

Elasticity of demand is defined as the rate of change of quantity of a good demanded with change in price.

Commodities with low elasticity change a little with change in price, while those with high elasticity have a large change with change in price.

The formula for price elasticity is

Elasticity of demand = (% change in quantity demanded) ÷ (% change in price)

Assume the demand is 10 units

Elasticity of demand = ({10 - 10} ÷ 10 * 100) ÷ ({8 - 10} ÷ 10 * 100)

Elasticity of demand = (0) ÷ (-20)

Elasticity of demand = 0

Answer:

PED = 0

Explanation:

The PED or price elasticity of demand is a measure to track and determine the responsiveness of quantity demanded to changes in price of the commodity. The PED is calculated using the following formula,

PED = % Change in Quantity demanded / % Change in Price

or

PED = [( Q1 - Q0 ) / Q0]  /  [( P1 - P0 ) / P0]

Lets assume that at price 10 the quantity demanded was also 10 and when price decreased to 8, the quantity demanded remained the same i.e. 10

So,

PED = [( 10 - 10 ) / 10]  /  [( 8 - 10 ) / 10]

PED = 0

Thus, the price elasticity of demand is zero.

Answer:

$17.02.

Explanation:

Complete question: Name Daze Units Sold 987 Price $23 Customer Satisfaction 21 Accuracy 7.2 Speed 7.2 Service Life 14,000 Age 3.3 Region Kit Yes Material Costs $6.79 Labor Costs $4.56 Contribution Margin 49.27% . What is the minimum price the product could have been sold for in the American region to cover the unit cost, period expenses, and overhead?

Minimum price of the product = (6.79+4.56)*150%

Minimum price of the product = $17.02

Since, period expenses and overhead costs are 50% of production costs which are $11.35, the minimum price of the product is $17.02.

The following answers are based on a monopoly economy.

A monopoly, as defined by Irving Fisher, is a market with "no competition," resulting in a scenario in which a certain individual or organization is the exclusive supplier of a given product.

To arrive at answer a, we need to recall that the equilibrium of a monopolist is when the Marginal Cost equals the Marginal Revenue and the Marginal Cost Curve (MC) cuts the Marginal Revenue Curve (MR ) from below.

At this point, the equilibrium output is 100, and the equilibrium price is $ 10 for every unit of production.

For the answer is b, given that the firm is producing 100 units of goods at an average total cost of $7.5 (derived from the point that aligns with MR = MC), therefore,

Total Cost   = Equilibrium Output * ATC (Average Total Cost)

= 7.5 * 100

= $750

To arrive at answer c,
Recall that Economic profit is the difference between the money collected from the sale of a product and the expenses of all inputs utilized, as well as any opportunity costs, is the economic profit or loss.

Hence, Economic Profit = Total Revenue (TR) Less Total Cost (TC)

= $1000 - $ 750

= $250

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A sample memo based on the given question prompt is given below:

Memorandum

To: Mr. Manoto, Campus Manager

From: SRC Office Secretary

Date: April 20th, 2023

Subject: Progress update for Revival Day planning

Esteemed Mr. Manoto,

Please find below a status report detailing advancements made in the preparations of the upcoming Revival Day ceremony. We have accomplished issuing invitations to prominent guests and securing prominent musical acts. Our committees are putting the finishing touches to banner design, T-shirt outfits, as well as customizing sport water bottles.

Conversely, budgetary concerns impede us from booking security or catering caterers essential for event operations. However, we are investigating ways to cut expenses while still delivering quality service. We will be prompt with updates about progress made through these alternative strategies.

Thank you for your kind ownership in this venture; rest assured that our team is steadfastly dedicated to ensuring an excellent Revival Day rally session.

Yours faithfully,

[Your name]

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'Developmental programs improve conceptual skills of managers for the future job' is true. The right answer is a.

The goals and content of training and development are different from one another. While "development" refers to a long-term method through which managerial personnel understand conceptual and theoretical knowledge for broad reasons, "training" is a short-term process through which non-managerial personnel acquire technical knowledge and skills for a specific purpose.

Development covers the process through which managers and executives build capacity for both future managing roles as well as skills and competence for their current ones.

The correct answer is option a.

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When we put money in our savings accounts to save up for college, money is serving as a store of value. The correct option is b.

A savings account is a deposit account we hold with a bank. This is an interest-bearing account and although these kinds of accounts do not have a high-interest rate, it is reliable and safe which makes them a good option for saving your money.

There are different types of savings accounts such as Regular Savings Accounts, Salary-based Savings accounts, Senior Citizen's Savings Accounts, Minors’ Savings Accounts, Zero Balance Savings accounts and Women's savings accounts.

Though these accounts typically pay a modest interest rate, their safety and reliability make them a great option for parking cash we want available for short-term needs. Savings accounts have some limitations on how often you can withdraw funds, but generally offer exceptional flexibility that’s ideal for building an emergency fund, saving for a short-term goal like buying a car or going on vacation, or simply sweeping surplus cash we don’t need in your checking account so it can earn more interest.

The interest you earn on a savings account is considered taxable income.

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Answer:

Explanation:

B - It helps to create good study habits.

To create an accurate and informative balance sheet, the night manager of Dixie Transportation Service should correct the headings, reformat the statement to present assets, liabilities, and owner's equity vertically, and classify the items correctly according to their nature and duration.

The provided balance sheet contains several errors in its headings, format, and classification of assets, liabilities, and owner's equity.

The balance sheet is a financial statement that reports a company's financial position at a specific point in time. However, the given balance sheet has a number of issues that need to be addressed.

Firstly, the balance sheet lacks proper headings, such as the company name, date, and the title "Balance Sheet." These headings are essential to provide context and clarity to the financial statement.

Secondly, the format of the balance sheet needs improvement. Assets, liabilities, and owner's equity should be presented in a vertical format, with assets listed first, followed by liabilities and owner's equity. The current presentation mixes these categories, making it difficult to distinguish between them.

Thirdly, the classification of assets, liabilities, and owner's equity is incorrect. The balance sheet fails to differentiate between current and non-current assets and liabilities.

Moreover, it does not provide separate categories for long-term liabilities and owner's equity components like common stock and retained earnings.

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Save our homes' amendment, annual homestead assessment increases are limited to 3% is the maximum percentage.

A Florida constitutional amendment known as "Save our Houses" became operative in 1995. It caps the annual growth in the assessed valuation of homestead properties to 3%, or whatever amount is less than the change in the National Consumer Price Index.

Voters changed the Florida Constitution in 1992, creating Amendment 10, which limits the Assessed Value of properties with Homestead Exemption to 3% or the Consumer Price Index, whichever is less.

Thus,  3% is the maximum percentage.

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Answer:

Explanation:

All fields

Answer:

(D) all fields

Explanation:

Answer:

Debit : Accounts Receivable  $25,000

Credit : Sales Revenue $25,000

Explanation:

The journal entry to record the sale would include a Debit to Asset Account - Accounts Receivable and Credit to Sales Revenue at the amount of sale including the cash discount.

Answer:

e. Increase by $4,500.

Explanation:

Analysis of the effect of discontinuing Product Line C

Income :

Rent Income                                                    $6,000

Savings : Fixed Costs - Avoidable                 $3,000

Total Income                                                   $9,000

Costs :

Opportunity Cost - Contribution Margin       $4,500

Total Costs                                                      $4,500

Net Income (Loss)                                           $4,500

therefore,

By discontinuing Product Line C, operating income for the company will likely  Increase by $4,500

Answer:According to the chart, the total tax on taxable income of $65,000 would be $16,250.

Explanation:

Answer:

a. empowers workers by adding more decision-making authority to their jobs.

Explanation:

Job enrichment differs from job rotation in that job enrichment empowers workers by adding more decision-making authority to their jobs.

Job enrichment can be defined as a strategic approach or technique adopted by organizations, which typically involves the process of adding more authority, dimensions and responsibility to the job of an employee in order to get them motivated and induce greater satisfaction. For example, an employee whose job description is to stock shelves, could be enriched to take customer orders, incoming inventory and closing sales.

On the other hand, job rotation can be defined as the process in which employees are shifted or moved from one job function to another at regular intervals in order to boost their knowledge, skills and experience.

Once her team's goals were set Alyssa asked each team member to come up with a(n) action plan to reach her goals.

This refers to the document that shows the list of steps that should be taken by a person in order to achieve or actualize their goals in a methodical manner.

Hence, we can see that based on the fact that the team goals have been set, Alyssa asked her team to form an action plan which was to help them achieve her goals and shows the list of actions and steps to be taken.

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A) Profit refers to the amount of money earned by a company after deducting all the costs and expenses.

B) Fixed costs are those expenses that do not change whereas, variable costs are expenses that vary with the level of production.

C) The cancellation of flights would have led to a decline in revenue, while the increase in costs due to shortages of pilots and cabin crew, as well as bad weather, would have led to higher variable costs.

D)The cancellation of a flight would affect both the fixed and variable costs of Ryanair.

a) Profit refers to the amount of money earned by a company after deducting all the costs and expenses incurred in the production of goods or services.
b) Fixed costs are those expenses that do not change regardless of the level of production, such as rent, salaries, and insurance. Variable costs, on the other hand, are expenses that vary with the level of production, such as raw materials, labor costs, and shipping expenses.
c) The problems faced by Ryanair in 2017 and 2018 would have had a significant impact on the level of profits. The cancellation of flights would have led to a decline in revenue, while the increase in costs due to shortages of pilots and cabin crew, as well as bad weather, would have led to higher variable costs. Additionally, the fixed costs of the airline, such as aircraft leasing costs and employee salaries, would have remained constant, thereby reducing the profitability of the company.
d) The cancellation of a flight would affect both the fixed and variable costs of Ryanair. Fixed costs such as aircraft leasing costs and employee salaries would remain the same regardless of the number of flights operated. However, variable costs such as fuel expenses and landing fees would be reduced due to the cancellation of a flight. In addition, the cancellation of a flight would also result in a loss of revenue, which would affect the overall profitability of the airline.

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social  can be an effective tool for promoting a brand, as it allows for targeted advertising and engagement with potential customers. In the case of The Exchange,  likely played a significant role in promoting the brand and driving sales and inquiries.

One way in which social may have been effective for The Exchange is by allowing the company to reach a wide audience at a relatively low cost. By creating and sharing content on platforms such as , , and , The Exchange could potentially reach thousands or even millions of people without spending large amounts on traditional advertising.Additionally, social media provides opportunities for engagement and interaction with potential customers. By responding to comments and messages, The Exchange could build relationships with customers and create a sense of community around the brand.It is difficult to determine which specific social platform led to the highest increase in sales and inquiries without more information.

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A consumer can help his or her community financial literacy wise by purchasing the goods produced locally because its helps the economy in GDP.

A financial literacy refers to a possession of an ability to understand financial skills including personal financial management, budgeting, investing etc

Hence, a consumer can help his or her community financial literacy wise by purchasing the goods produced locally because its helps the economy in GDP.

Therefore, the Option C is correct

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Answer:

the effective rate of interest on the debt is 6.38%

Explanation:

The computation of the effective rate of interest on the debt is shown below:

Effective rate of interest is

= ($400,000 × 6%) ÷ ($400,000 × 0.94)

= $24,000 ÷ $37,600

= 6.38%

Hence, the effective rate of interest on the debt is 6.38%

It could be determined by applying the above formula so that the correct rate could come

If Lisa suspects that one of her subordinates is under the influence of drugs or alcohol, she should approach the situation with sensitivity and professionalism.

If Lisa suspects that one of her subordinates may be under the influence of drugs or alcohol, there could be several signs or symptoms that may lead her to this conclusion. One possible indicator is a change in behavior or attitude. For example, if the subordinate has become increasingly moody, agitated, or withdrawn, this could be a sign that they are struggling with substance abuse. Another possible sign could be a decline in job performance, such as missing deadlines, making mistakes, or being frequently absent from work. The subordinate may also exhibit physical symptoms, such as bloodshot eyes, slurred speech, or unsteadiness on their feet. Furthermore, Lisa may observe that the subordinate is experiencing financial problems, as drug and alcohol addiction can be costly and may lead individuals to miss work or spend their money on substances rather than other necessities. Lisa may also notice that the subordinate has become more secretive or defensive, particularly when questioned about their behavior or whereabouts. It is important to gather as much information as possible before making any accusations or taking any disciplinary action. She may also consider seeking guidance from the company's human resources department or employee assistance program to ensure that the subordinate receives the help they need to overcome their addiction.

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If the income elasticity is +0.8, it means that  a 6 percent increase in income will increase the purchase of toys by 4.8 percent. (option A).

The income elasticity of demand measures how the quantity demanded of a good would change when there is a change in income. It is the ratio of the percentage change in quantity demanded to the percentage change in income.

If the income elasticity of demand is positive, it means that the good is a normal good and if it is negative, it means that the good is an inferior good. The demand for a normal good increases as the income of the individual increases. The demand for an inferior good decreases as the income of the individual decreases.

Income elasticity of demand = percentage change in quantity demanded / percentage change in income

6% / 4.8% = +0.8

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Answer:

Segmentation is to divide something into separate parts or sections

The purpose of personal protective equipmentis that  the personal protective equipment would keep the employees safer, especially when working with extreme temperature items.

Personal protective equipment  can be described as the meausres that can help to prevent the employee from danger in broader sense oit can be described as the items such as gloves, safety glasses and shoes, earplugs or muffs, hard hats, as well as  full body suits that can be used to ensure proper safety with theuse of personal protective equipment.

In conclusion, from the paragraph it can be seen that purpose of personal protective equipment  is one that would keep the employees safer, especially when working with extreme temperature items which is the  components that highlight the purpose of personal protective equipment.

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Before the arrival of Mr. Clark, the school was in disarray, the students failed woefully, they disrespected the teachers and would engage in drugs and other bad attitudes in school. After he came in, he tried to establish decorum and would use some harsh methods on students and teachers.

The interventions that Mr. Clark had at the time was harsh on all of the parties involved and the ways that he refused to change his methods shows that he knew that using the strict methods was what the school really needed at the time.

The movie Lean on me is about a high school that had fallen off its standards and had become a notorious school for all unacceptable vices.

The change in the movie came from the fact that Mr. Clark was hired in the school to help the students pass examinations. He was hired due to the fact that he was known to have had good ways of achieving excellence in schools that he used to teach.

The corporate culture that the head teacher establishes in the school is one that has to do with the fact that all the of the protocols would have to be observed in the school based on the ways that the teachers and the students acted in the school.

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