QUESTION 1
Ziyad bought a car for RM198,000. He made a 10% down payment and
financed the balance through a bank for 9 years. The interest rate
charged was 4.5% compounded monthly.
a) Calculate the mon
Answers
The monthly payment for the car loan can be calculated using the following formula:
M = P [i(1+i)^n] / [1-(1+i)^n]
where:
M = monthly payment
P = the loan amount (RM198,000 in this case)
i = the monthly interest rate (4.5% / 12 = 0.0375)
n = the total number of monthly payments (360 months in a 9-year loan)
Plugging in the values, we get:
M = 198,000 [0.0375(1+0.0375)^360] / [1-(1+0.0375)^360]
M = 198,000 [11.9225] / [1.02598]
M = 1,868.50
So the monthly payment for the car loan would be RM1,868.50.
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Related Questions
What is the best reason for homebuyers to create a budget before taking out a mortgage?
to compare the value of their home with that of their neighbors
to plan how to pay off the money they have borrowed
to set aside enough money to refinance the loan
to figure out how long they can stay in their home
Answers
The best reason for homebuyers to create a budget before taking out a mortgage is to : Plan how to pay off the money they have borrowed.
What is a mortgage?A mortgage is an agreement(legal) between a bank and the buyer in which the bank lends money to the buyer to purchase a house.
When a buyer takes a mortgage, the buyer agrees to pay back the money in full with an agreed interest rate, at a stipulated time.
Types of actions that can be taken with a mortgage are :
Purchase a homeMaintain a homeMaintain other types of real estateTherefore, the best reason for homebuyers to create a budget before taking out a mortgage is to plan how to pay off the money they have borrowed.
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Answer:
b
Explanation:
a business activity that changes assets, liabilities, or owner’s equity.
Answers
A business activity that changes assets, liabilities, or owner's equity is known as a financial transaction.
This event involves the transfer or exchange of value between different accounts, ultimately impacting the balance sheet of the organization. Financial transactions are crucial for maintaining accurate financial records and tracking the company's overall financial performance.
Financial transactions occur when a company engages in a wide range of activities such as buying or selling goods, acquiring or disposing of assets, paying for expenses, collecting revenues, and obtaining financing.
For example, when a company purchases inventory, it records a financial transaction that increases its assets (inventory) and decreases its cash (or increases its liabilities if it takes out a loan to pay for the inventory).
Similarly, when a company sells its products, it records a financial transaction that increases its revenue and cash (or decreases its accounts receivable if the customer pays later).
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Which of these questions will an HR manager most likely face in a company with a strategic allance strategy? How can we streamline our combined forces? How can we develop teamwork across our companies? What training is needed as we diversify beyond our core business? Should we hire or train and develop our required employees? Complete the following table by selecting the business strategy most likely associated with each hR action. Use your knowledge of strategic HR management to answer the following question. A food processing company based in 5 t. Louis is downsizing due to competitive pressures, her must support this strategr by conducting workshops on work-life balance. administering a cost-of-living adjustment for all employees. aggressively recruiting new workers. ensuring compliance with applicable laws and regulations during the layoffs. Use your knowledge of strategic HR management to answer the following question. To better execute its strategy, a consumer products company creates an action plon that emphasizes organizational connectivity with the evterial environment as well as predicting and reacting to changes as they occur. Which of Honeywell CEO Larry Bossidy's "4As" is the company empioving in: this scenario? ablity architecture agility alignment
Answers
The HR manager in a company with a strategic alliance strategy is most likely to face the following question: "How can we develop teamwork across our companies?"
In a company with a strategic alliance strategy, one of the main questions an HR manager is likely to face is how to develop teamwork across the companies involved in the alliance. This question arises because strategic alliances involve collaboration and integration between different organizations. Developing teamwork is crucial for effective communication, coordination, and alignment of goals among the alliance partners. The HR manager may need to implement initiatives such as team-building activities, cross-functional projects, shared training programs, and regular communication channels to foster collaboration and teamwork across the companies involved.
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Which Important personal quality does Jane seem to possess?
Jane is friendly and kind toward her coworkers. She makes interesting conversation with them during lunch. Her attitude helps to maintain a
harmonious atmosphere at work. Jane thus possesses an important personal quality known as
Answers
Answer:
kindness
Explanation: sorry im guessing by what the paragraph tells me..
Answer:
courteousness
Explanation:
These are all attributes of a courteous individual.
waves on the surface of a pond are observed to have a wavelength of 1 m and a speed of 16 m/s. What is the frequency of the wave motion in hertz
Answers
A waves on the surface of a pond are observed to have a wavelength of 1 m the frequency of the wave motion is 16 Hz.
The frequency of a wave is the number of complete wave cycles that pass a given point in one second.
To the speed (v) and wavelength (λ) of the wave by the formula:
frequency (f) = speed (v) / wavelength (λ),
the speed of the wave is 16 m/s and the wavelength is 1 m. Plugging these values into the formula:
f = 16 m/s / 1 m = 16 Hz.
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When sierra thinks about Chick-fil-A, she Emily thinks about the high-quality chicken that she last ate there, served hot and fresh by fast and friendly employees. Next, she recalls the clever cows that she is used to seeing on local billboards and in stores or promote the brand. The _____________ of the Chick-fil-A brand is firmly established in her mind, based on how the brand communicates with her and ultimately provides a positive experience.
a) Targeting
b) Segmentation
c) Equity
d) Positioning
e) Loyalty
Answers
Answer:
Positioning
Explanation:
Toni Nicolet's
checking account balance on Monday, April 13, is $540; her savings balance is $980. On
Tuesday, April 14, she made an ATM withdrawal from checking of $86. On April 15, Toni plans to make
these online payments: income tax bill, $823, utility bill, $98, and charge account bill, $127. How much
money, if any, will Toni have to transfer into her checking account from savings to cover the online
payments and leave a balance of $50 in the checking account?
Answers
Answer:
$644
Explanation:
Toni has a balance of $540 on her checking account
She made an ATM withdrawal of $86
The balance on her checking account after withdrawal is
= $540 - $86
=$454
Toni intended to pay online payments on Arpril 15. The total of the payments
=$823 + $98 + $127
=$1048
It means Toni has a deficit of
=$454- $1048
=($594)
If Toni desires a balance of $50 after payments, she must withdraw 594+50 from the savings account.
=596 + 50
=$644
I WILL MARK BRAINIST IF CORRECT
What is the best way to prevent germs from spending when coughing or sneezing?
Cover mouth with tissue
Cover mouth completely with hand
Sneeze in upper sleeve
Turn head away to sneeze
Answers
Answer:
Cover mouth wirh tissue
Explanation:
The CDC recommends that you cover your mouth and nose with a tissue when you cough and or sneeze.If you find yourself without tissue,cough or sneeze into your upper sleeve rather than your hands.
Answer:
cover mouth with tissue
By law, an accountant must hold a CPA designation in order to
?
Answers
Answer:
The CPA designation isn't required to work in corporate accounting or for private companies. However, public accountants—which are individuals working for a firm, such as Deloitte or Ernst & Young, that provides accounting and tax-related services to businesses—must hold a CPA designation.
Explanation:
Answer:
Prepare audited or reviewed financial statements.
Hope this helps :)
If the ________ cost of production for two goods is different between two countries then mutually beneficial trade is possible.
Answers
If the opportunity cost of production for two goods is different between two countries then mutually beneficial trade is possible.
What is opportunity cost?Opportunity cost is an economist term for expressing cost in terms of foregone alternative.
It is the benefits of second best alternatives (when the first best is chosen) or alternative use of something, which is not decided on (the cost of not using land for farming and using it for building a house instead).
Hence, If the opportunity cost of production for two goods is different between two countries then mutually beneficial trade is possible.
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a nurse is working with a client diagnosed with factitious disorder. which of the following is most important for the client to do first when beginning treatment?
Answers
When beginning treatment for factitious disorder, the most important step for the client is to acknowledge and accept their condition.
Acceptance is crucial because it paves the way for genuine self-reflection and willingness to engage in therapy. Recognizing that their symptoms or illness behaviors are intentional and not based on genuine physical or mental health issues is a vital first step. By acknowledging the presence of factitious disorder, the client can open themselves up to addressing underlying psychological factors, such as a need for attention or validation.
Treatment can then focus on building insight, developing healthier coping mechanisms, and working towards behavior change.
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A marketer is keeping track of the revenue generated by his campaign. He wants to
see a specified return-on-investment for his monthly ad spend.
Which type of automated bidding strategy will meet his needs?
An awareness-based bidding strategy
A conversion-focused bidding strategy
A revenue-focused bidding strategy
A consideration-focused bidding strategy
Answers
Answer:
C). A revenue-focused bidding strategy.
Explanation:
As per the details given in the question, 'a revenue-focused bidding strategy' will most likely assist the marketer in upkeeping his needs as his key focus is to discern a particular return on his investment that he made for the monthly ad spend made by him. This automated strategy of bidding will allow him to keep track of the revenue and escalate the return. Thus, option C is the correct answer.
In some countries a surgeon can earn 250000 or more each year. A nurse may earn just 40000 in comparison. Suggest three reasons for this differential in earnings.
Answers
Answer: See explanation
Explanation:
The reasons for the difference in wages include:
1. Education and training: A nurse uses about 4-5 years to train to become a nurse while a surgeon uses about 15 years both at medical school and for further training and examination before he or she qualifies as a surgeon. This is a reason for the higher earning of the surgeon.
2. Also, due to the low barriers to entry, there are numerous nurses than surgeons who are few. This affects earnings as well as there are more supply of nurses which brings about a lower income than surgeons who are scarce and highly priced.
3. The skills and experience matters as well and the risks involved in their jobs results in wage difference too.
Franklin Inc., an apparel manufacturer based in Scotland, opened a new store in the United States. Franklin's designs were well received by consumers in the host country. However, the firm incurred very high expenses due to the expensive rents and the higher costs of labor. Also, there was a hike in the price of fuel in the United States. This led to increased expenditures on the transportation of goods. This indicates that Franklin Inc. had serious issues in the United States due to poor: Group of answer choices
Answers
Answer:
Economic conditions
Explanation:
Since in the question it is mentioned that the firm would incurred greater amount of expenses because of the expensive rents and the labor cost also their would be increase in the fuel price due to this it would increase the expenditure on the transportation so here the serious issues would be with the economic conditions as the price expenses denotes the economics
Therefore it represent the economic conditions
In a market with a binding price ceiling, increasing the ceiling price will.
Answers
In a market with a binding price ceiling, increasing the ceiling price will increase the quantity supplied, decrease the quantity demanded, and reduce the shortage.
What is a Price Ceiling?This refers to the highest price to which a good can be sold and this is used to protect the consumers from having to buy a good at very expensive prices.
Hence, we can note that in a market with a binding price ceiling, an increase in the ceiling price will increase the quantity supplied, decrease the quantity demanded, and reduce the shortage.
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What is the last step in the home buying process quizlet?
Answers
The loan and home closing is the last step in the home buying process.
Close the sale :
At closing, you will sign all of the paperwork required to complete the purchase, including your loan documents. It typically takes a couple of days for your loan to be funded after the paperwork is returned to the lender. Once the check is delivered to the seller, you are ready to move into your new home.
Some of the steps involved in buying new home :
Step 1: Start Your Research Early
As soon as you can, start reading Web sites, newspapers, and magazines that have real estate listings. Make a note of particular homes you are interested in and see how long they stay on the market. Also, note any changes in asking prices. This will give you a sense of the housing trends in specific areas.
Step 2: Determine How Much House You Can Afford
Lenders generally recommend that people look for homes that cost no more than three to five times their annual household income if the home buyers plan to make a 20% down payment and have a moderate amount of other debt.
Step 3: Get Prequalified and Preapproved for credit for Your Mortgage
Before you start looking for a home, you will need to know how much you can actually spend. The best way to do that is to get prequalified for a mortgage.
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Muhammad takes out a loan of $ 2,683, at 8% simple interest, for 4 years. How much will he pay back at the end of year 4?
Calculate the amount of interest on an investment of AED 258,792 at 8% simple interest for 6 years.
If you deposit today $8,278 in an account for 6 years and at the end accumulate $17,217, how much compound interest rate (rate of return) you earned on this investment?
You will deposit 18,403 at 10% simple interest rate for 6 years, and then move the amount you would receive to an investment account at 11 % compound rate for another 3 years. How much money would you have at the end of the entire period?
Answers
At the end of the entire period, you would have $40,207.44
To calculate the amount Muhammad will pay back at the end of year 4 for a loan of $2,683 at 8% simple interest for 4 years, we use the formula:
Amount = Principal + (Principal * Interest Rate * Time)
Principal = $2,683
Interest Rate = 8% = 0.08
Time = 4 years
Amount = $2,683 + ($2,683 * 0.08 * 4)
Amount = $2,683 + ($2,146.40)
Amount = $4,829.40
Muhammad will pay back $4,829.40 at the end of year 4.
To calculate the amount of interest on an investment of AED 258,792 at 8% simple interest for 6 years, we use the formula:
Interest = Principal * Interest Rate * Time
Principal = AED 258,792
Interest Rate = 8% = 0.08
Time = 6 years
Interest = AED 258,792 * 0.08 * 6
Interest = AED 124,572.48
The interest on the investment is AED 124,572.48.
To calculate the compound interest rate (rate of return) earned on an investment, we use the formula:
Rate of Return = ((Ending Balance / Principal)^(1/Time) - 1) * 100
Principal = $8,278
Ending Balance = $17,217
Time = 6 years
Rate of Return = ((17,217 / 8,278)^(1/6) - 1) * 100
=(2.0801 - 1) * 100
=1.0801 * 100
= 108.01%
The compound interest rate earned on the investment is 108.01%.
To calculate the total amount of money at the end of the entire period for a deposit of $18,403 at 10% simple interest for 6 years and then moving the amount to an investment account at 11% compound rate for another 3 years, we calculate the amount for each period separately.
For the first 6 years:
Principal = $18,403
Interest Rate = 10% = 0.10
Time = 6 years
Amount after 6 years = Principal + (Principal * Interest Rate * Time)
= $18,403 + ($18,403 * 0.10 * 6)
= $18,403 + ($11,041.80)
= $29,444.80
Now, taking the amount after 6 years as the new principal:
Principal = $29,444.80
Interest Rate = 11% = 0.11
Time = 3 years
Amount after 3 years = Principal * (1 + Interest Rate)^Time
= $29,444.80 * (1 + 0.11)^3
= $29,444.80 * (1.11)^3
= $29,444.80 * 1.36631
= $40,207.44
At the end of the entire period, you would have $40,207.44
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a broker/agent may be terminated for cause if they fail to comply with a compliance investigation, encourage others to avoid the compliance interview process, or fail to provide truthful or complete information.
Answers
For these reasons, calling the broker and explaining your wish to terminate the contract with their agent is the best course of action for terminating a contract with a Realtor. Many trustworthy brokers who want to keep your (and the community's) favour will allow you to break the agreement.
Yes This is a True Statement.Breaking of contract.
By completing the Termination of Listing (TXR 1410) form, brokers and their seller clients can decide to end any REALTORS® listing arrangement. When a property is sold or leased, sellers and brokers can decide the termination date and broker fees.
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Who owns Dillard's department store?
Answers
"Dillard's is an American department store chain owned by the Dillard family. Founded in 1938 by William T. Dillard and his sons, Dillard's operates more than 300 stores in 29 states across the United States.
The Dillard family is the current and majority owner of Dillard's, holding a majority stake in the company. William T. Dillard, known as ""Bill"", founded the company in 1938 in Nashville, Tennessee with a $6,000 loan from his father. He opened the first store in Texarkana, Arkansas, and his sons, James, William, Jr., and Alex joined the business soon after. The brothers expanded the business to Oklahoma, Louisiana and Texas, and eventually opened over 300 stores across the United States.
Today, the Dillard family is the majority owner of Dillard's, with members of the family holding a majority stake in the company.
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Unlike a perfectly competitive firm, a monopolistically competitive firm:
a. makes zero economic profits in the short run.
b. caters to a large portion of the market.
c. does not face bathers to entry and exit.
d. sells a differentiated product.
Answers
Unlike a perfectly competitive firm, a monopolistically competitive firm sells a differentiated product. The correct option is d. sells a differentiated product.
Monopolistic competition is a type of market structure in which there are several businesses selling products that are similar but not identical. These are said to be differentiated products in economic terms. It is a type of imperfect competition, which means that there is still some degree of competition within the market.
Monopolistic competition is characterized by the following features:
Sellers are many and small, none of whom can control the market price. Product differentiation: Each seller offers a product that is slightly different from those of the others. Thus, there is no perfect substitute for a monopolistically competitive product. Easy entry and exit: It is easy for firms to enter or exit the market because of low barriers to entry and exit.Non-price competition: Due to product differentiation, sellers compete on the basis of product quality, design, packaging, branding, advertising, etc. instead of price.Therefore, the correct option is d.
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Read the following descriptions. Decide who demonstrates good habits and attitudes.
Michael likes his job. He decides to take a few finance classes so that he becomes better at his job. This will also help in case he wants to transfer to a new position in the same company.
Bryan thinks he has the best job. He thinks he is already doing the best he can and doesn't do anything to improve his skills.
Answers
Answer:
Michael demonstrates good habits and attitude
Explanation:
Michael likes his job and takes the initiative to do better so he can get a new position,however Bryan is very cocky and doesn't try to get better.
QUESTION 9 / 10
HR
If you are trying to reduce the cost of college, which of the following strategies is likely to save you
the most money?
A. Attending an in-state public university
B. Living in an off-campus apartment
C. Purchasing used books
D. Attending a private college
Answers
what is franco invoice?
Answers
An invoice number is a unique number in chronological order without any breaks. There can be separate series for different invoices. The invoice must have the date on which service is provided to the client.
Both engines took exactly minutes to seize. what conclusion might the magazine make based on this evidence?
Answers
Based on the evidence that both engines took exactly the same amount of time to seize, the magazine might conclude that there is a common factor or issue affecting both engines simultaneously.
When both engines experience the same issue at the same time, it suggests that there could be a shared cause affecting their performance. This evidence can lead the magazine to investigate potential factors that could impact engine functioning, such as a fuel problem, maintenance issue, or external environmental conditions.
To further analyze the situation, the magazine might consider factors that could affect both engines equally. For example, if both engines were exposed to extreme weather conditions, it could lead to a conclusion that weather played a role in their seizure. Alternatively, if the engines were fueled from the same source, a contaminated fuel supply could be a potential cause.
By considering the evidence and possible factors, the magazine can draw conclusions about the common cause behind both engines seizing. This analysis can guide them in taking appropriate measures to prevent future occurrences and ensure the engines operate efficiently.
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ceo erva and her leadership team have started to see some positive changes in the organizational culture. erva realizes that it’s time to enact a lever that is particularly strong and has great potential to embed the cultural changes made so far. which mechanism would you recommend to erva?
Answers
A mechanism which I would recommend to Erva in order to see some positive changes in the organizational culture is: C) reward and incentivize employees.
What is a business strategy?A business strategy can be defined as a set of guiding principles, actions, policies, and decisions that a business organization strategically combines, so as to successfully achieve its goals, objectives, attract potential customers, improve organizational culture, and possess a competitive advantage over its rivals in the industry.
The types of business strategy.Generally, there are four (4) main types of business strategy and these include the following:
Operating strategy.Organizational (Corporate) strategy.Functional strategy.Business (Competitive) strategy.In Business management, it is very important for excellent business thinkers to identify and articulate key business strategies and ideas that have the potential of positively affecting a business such as positive changes in the organizational culture.
In conclusion, we can reasonably infer and logically deduce that rewarding and incentivizing employees would significantly (greatly) enhance positive changes in an organizational culture.
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Complete Question:
CEO Erva and her leadership team have started to see some positive changes in the organizational culture. Erva realizes that it's time to enact a lever that is particularly strong and has great potential to embed the cultural changes made so far. Which mechanism would you recommend to Erva?
A) tell the organization's story
B) provide structured training
C) reward and incentivize employees
D) change the organizational structure.
The nation of farmland forbids international trade. In farmland, you can exchange 1 pound of beef for 2 pounds of pepper. In other countries, you can exchange 1 pound of beef for 4 pounds of pepper. These facts indicate that
Answers
These facts indicate that Farmland has a comparative advantage, relative to other countries, in producing beef.
What do you mean by International trade?
International trade can be defined as the exchange or trade of goods and services between different nations. Adam Smith gave the international trade theory It helps in contributing and increasing the world economy. It includes export, import and entrepot. It is important in order to increase economic growth, raise living standards and help families to use affordable goods and services.
Features of International trade are
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Store Policies that are open to interpretation by store employees
a) Customer satisfaction
b) Government law
c) Safety
d) Liability of product
Answers
Answer:
a) Customer satisfaction
Explanation:
who will win the fight tomorrow jake paul or ben askren
winner gets brainlest
Answers
Answer:
prolly ben askren
Explanation:
cause he was an ameture wrestler before
Answer: Ben askren bro
Explanation:
poor decision-making by lower-level managers can lead to any of the following adverse outcomes except: question 11 options: increased productivity if there are too few workers. increased expenses if there are too many supplies. increased turnover if the decisions involve managing workers. reduced morale if the decisions involve managing workers. frustration among employees if the decisions involve training workers.
Answers
The correct option is A. Poor decision-making by lower-level managers can lead to any of the following adverse outcomes except increased productivity if there are too few workers.
Management is the administration of an enterprise, whether or not it's miles a commercial enterprise, a nonprofit agency, or a central authority body. it is the art and technology of coping with sources of the commercial enterprise. management is how businesses arrange and direct workflow, operations, and personnel to satisfy business enterprise goals. The number one intention of control is to create a surrounding that lets employees work successfully and productively.
The easy means of management is performing things properly. management means organizing and coordinating a commercial enterprise's sports to reap unique targets. In other words, management is making plans, organizing, controlling, and main a business enterprise to achieve its specific goals. control has exceptional factors. Managers are essential for any organization to acquire its goals. they're the spine of any agency, and their position is to ensure that the whole thing runs smoothly inside the enterprise. The success or failure of an organization relies upon how well its managers handle their obligations.
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Complete Question:
poor decision-making by lower-level managers can lead to any of the following adverse outcomes except question 11 options:
A). increased productivity if there are too few workers.
B). increased expenses if there are too many supplies.
C). increased turnover if the decisions involve managing workers.
D). reduced morale if the decisions involve managing workers.
E). frustration among employees if the decisions involve training workers.
Disadvantages of choosing a job that is extremely popular or in demand
Answers
The disadvantage of choosing a job that is very popular or a job that is in high demand is that after a while such a job may become saturated or it would become monotonous.
What is a high demand job?This is the term that is used to refer to a job that the people that wpould employ labor are constantly in need of. Such a job is one that would require the people that have the qualification to opt in and get the places and the roles that they are to fill.
The issues that may arise from such a job that is in high demand is that after a period, such a job may have a lot of persons that would want to fulfil the role.
The number of qualified persons may become more than the job that is available for the people to do in the long run.
Hence this is a disadvantage. Therefore I would conclude by saying that the disadvantage of choosing a highly popular job is that the number of persons that are willing to fulfil the role may exceed the job overtime.
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