Ten years ago, you took out a $500,000 loan to buy a small apartment building. The loan had a 6.25% interst rate, 25-year amortization and, like all mortgage loans, had monthly payments and interest compounding. Currently, mortgage rates have declined so that you could refinance the current loan balance with a new loan having a 5.75% interest rate and 20 year amortization period. You intend to own the property for 5 more years and are considering refinancing. a) Calculate the payments on the original loan b) Calculate the current loan balance of the original loan c) Calculate the loan balance of the original loan 5 years from now. d) Using the current, lower interest rate, calculate the present value of the remaining original loan payments (i.e. the PV of 60 monthly loan payments and the repayment of the loan balance after 5 years) e) Assume you refinance, taking out a new loan at the lower rate with an initial balance equal to the current balance of the original loan (i.e. the new loan amount is your answer from part b). Calculate the payments on this new loan. f) Calculate the loan balance of the new loan 5 years from now.

Changes in the market environment impact how competitive the marketplace is, how many offerings are available, how many marketing communication channels are used, and how consumers behave.

Aspects of the business landscape are significantly impacted by changes in the market environment. First and foremost, they have an impact on the level of market competition because changes in variables like technology, rules, and consumer preferences can affect how businesses compete with one another.

Changes in the market environment can also have an impact on the variety and range of goods and services that are offered to customers. New technologies and trends have an impact on how businesses communicate with their target audiences through marketing channels. Last but not least changes in the market environment such as those in the economy in social trends and in technological advancements have a significant impact on consumer behavior causing changes in buying patterns and preferences.

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Answer:

Commission is $200

Explanation:

Step 1: Calculate Sales Revenue

(50 * 12) + (80 * 5) = $1,000

Step 2: Calculate how many times she achieved $100 in sales

1,000 / 100 = 10

Step 3: Calculate Commission

20 * 10 = $200 in commission

Answer:

A. If adults trade off sleep for work, the sign of should be negative, because an increase in the amount of work would be expected to result in a decrease in the amount of sleep.

B. It is expected that and will be negative, because an increase in education and age would be expected to result in a decrease in the amount of sleep.

C. Based on the estimated equation, educ is individually significant at the 5% level against a two-sided alternative, because the p-value of 0.000 is less than 0.05. Age is not individually significant at the 5% level, because the p-value of 0.139 is greater than 0.05.

D. Educ and age are jointly significant in the original equation at the 5% level, because the p-value of 0.000 is less than 0.05.

E. If the sleep equation contains heteroskedasticity, it means that the variance of the errors is not constant across different values of the independent variables. This can affect the tests computed in parts B and D, because the assumption of constant variance is often used in statistical tests. Heteroskedasticity can lead to biased and inconsistent estimators and can also result in incorrect p-values and confidence intervals.

Explanation:

Answer:

$280,000

Explanation:

Fair value = $4

Options granted = 210,000 shares

Total compensation = Fair value*Options granted

Total compensation = $4 * 210,000

Total compensation = $840,000

Number of years = 3

Compensation per year = Total compensation / Number of years

Compensation per year = $840,000 / 3

Compensation per year = $280,000

In the circular flow diagram, the government provides goods and services directly to firms. The correct option is D.

In the circular flow diagram, the government provides goods and services directly to firms. This is represented by the flow of resources from the government sector to the business sector.

The government plays a significant role in the economy by providing public goods and services that are necessary for the functioning of the society as a whole.

Public goods include infrastructure projects like roads, bridges, and public utilities, as well as services such as defense, law enforcement, and education.

These goods and services are not typically provided by private firms, so the government steps in to ensure their provision.

By supplying goods and services directly to firms, the government facilitates the production process and supports the overall functioning of the economy.

This enables businesses to operate efficiently and effectively, contributing to economic growth and development.

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Answer:

1) Money Market Savings Account

2) Online Savings Account

Explanation:

1) Money market accounts which are also known as money market savings or deposit accounts, are accounts that may give interest on a tier bases and may also give waivers on due fees if a customer is able to maintain a particular balance per month

Money market accounts are accounts that is better adapted for a customer that is able to maintain a substantial balance in their bank accounts and would like to be offered a higher interest than that which is given by a basic savings account

2) For Janelle, given that her savings duration are for a period of t months and the amount save is $550, the savings account with a high combined interest rate and flexibility is the online savings account, and given that her current online savings account earns 0.75%, which is high compared to average interest rate of online savings account, her online savings account is still her best option.

1st yr - 1.04,  2nd yr - 1.08,   3rd yr - 1.12.

The entire quantity of money that enters and exits a business would be known as the cash flow. It serves as a crucial sign of how financially sound your company is. You could invest in new prospects, pay expenditures, and expand your firm with a steady, positive cash flow.

The expected cash flows is the dividend payable at a certain date in the future. To determine the value, we multiply the dividend at a certain time by the expected growth rate.

Year       Workings       Expected cash flows

1            1 × 1.04           = 1.04

2           1.04 × 1.04      =   1.08

3           1.08 × 1.04      = 1.12

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Answer:

for whom to produce

Explanation:

for whom to produce

Answer:

sole proprietorship, partnership, and corporation,

Explanation:

Process performance monitoring is made possible by statistical process control (SPC) charts, which are basic graphical tools.

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Answer:

908.315

Explanation:

Answer:

In simple words, This situation is premised on the genuine narrative of a productive institution that has permitted its operation managerial procedures to devolve to the juncture where assignment to something like a development team has often been a sign of deference as well as a symbol of a delayed termination.

The case includes problems of morale, structural impact on programs, and recruitment of the development team. It allows students the chance to see just how, if left untreated, specific behaviour patterns by senior managers and many others in the institution can operate against use of working groups to enhance employee profitability, but instead just make them an unloading ground for discontent and bad employees.

Answer:

D. devil's advocate

Explanation:

The step i.e. prevent the problem attached with having much cohesion represents the role of devil advocate. A person who is performing the role of devil advocate so it is responsible for evaluation and challeng the existing points in a constructive way. Also it provides the fresh perspectives and ideas to the team

Therefore the given situation represents the devil advocate

hence, the correct option is d.

Answer:

I think the answer is B. No guarantees.

Explanation:

1. (a) The present value of the debt in transaction  is $32,120.3.

3. (c) The present value of the obligation in transaction (c) is $69,002.4

4. (a) The amount of each of the equal annual payments that will be paid on the note is $33,565.

4. (b) The total amount of interest expense that will be incurred is $30,225.

1. An annuity due is an annuity that pays at the beginning of the period. Thus, we will need to use the PV of an annuity due table.$6,400 is the amount of the annual payment, and 7 is the number of periods. We will use a 7% annual interest rate. By looking at the PV of an annuity due table, the factor for 7 periods at 7% is 5.0182.

$6,400 x 5.0182 = $32,120 (rounded to the nearest dollar). Therefore, the present value of the debt in transaction (a) is $32,120.3.

3. The present value of the obligation is the sum of the present values of the three payments.$75,400 is the amount of the first payment, and 7 is the number of periods. The factor for 7 periods at 7% is 4.1631.

Therefore, the present value of the first payment is:$75,400 / 4.1631 = $18,102 (rounded to the nearest dollar)Similarly, $112,900 and $150,400 are the amounts of the second and third payments, respectively.

Using the same number of periods and interest rate, the present values of the second and third payments are:$112,900 / 4.8681 = $23,176 (rounded to the nearest dollar)$150,400 / 5.4270 = $27,724 .

Thus, the present value of the obligation is the sum of the present values of the three payments:$18,102 + $23,176 + $27,724 = $69,002 (rounded to the nearest dollar). Therefore, the present value of the obligation in transaction (c) is $69,002.

4-a. To determine the amount of each of the equal annual payments that will be paid on the note, we will use the PVA of an ordinary annuity table. The amount of the note is $172,000 - $34,400 = $137,600. The term of the note is 5 years, and the interest rate is 7%. From the PVA of an ordinary annuity table, the factor for 5 periods at 7% is 4.1003. Therefore, the amount of each equal annual payment is:$137,600 / 4.1003 = $33,565 .

Therefore, the amount of each of the equal annual payments that will be paid on the note is $33,565.

4-b.  The total interest paid will be the difference between the total payments made and the amount borrowed.The total amount of the payments is $33,565 x 5 = $167,825. The total interest expense is the difference between the total amount of payments and the amount borrowed:$167,825 - $137,600 = $30,225 .

Therefore, the total amount of interest expense that will be incurred is $30,225.

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Answer:

B. operational decision

Explanation:

Scheduling personnel is an example of an operations management:  operational decision

Scheduling personnel represents an example of an operations management of an operational decision.

The following information should be considered:

Therefore the other options are incorrect.

Hence we can conclude that scheduling personnel represents an example of an operations management of an operational decision.

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The appropriate value of the correlation between time and cost for the international calls is 1.

Explanation:

The correlation coefficient (r) measures the strength and direction of the linear relationship between two variables. It ranges from -1 to 1, where -1 indicates a perfect negative correlation, 1 indicates a perfect positive correlation, and 0 indicates no correlation.

In this case, the cost of an international call is directly proportional to the time of the call. This means that as the time of the call increases, the cost also increases at a constant rate. Therefore, the correlation between time and cost for the international calls is 1, indicating a perfect positive correlation.

Here's the formula for the cost of an international call:

Cost = $1 + ($0.02 × time)

The $1 is a fixed fee for each call, and the $0.02 is the rate for each second of talk time. So, for each additional second of talk time, the cost increases by $0.02. This shows a direct relationship between time and cost, resulting in a correlation of 1.

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Depending on the purpose, the action of taking property by a government is fair, in that the government can legally take land privately for public purposes, provided that this taking of property is properly compensated to the owner of the property.

It is the 17th article of the Constitution, which stipulates that every citizen has the right to property, which must not be arbitrarily withdrawn or deprived of it.

The taking of government property is generally carried out for public purposes, being intended for the benefit of society, such as for transformation into schools and hospitals for example.

Therefore, the action of taking a property is fair and constitutional, but the owner of the property must be financially rewarded for it to become legal.

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Answer:

For example, testing all applicants and using results from that test that will unintentionally eliminate certain minority applicants disproportionately is disparate impact.  For example, testing a particular skill of only certain minority applicants is disparate treatment.

Explanation:

The instance of the disparate impact is "A woman is rejected for the board of directors of a public company.....grow a beard." Thus, option second is correct.

Disparate impact can be defined as unintentional discrimination taken against the person or the lower caste community. It includes the process in which every person is the same and follows the same process. This is done in order to protect the people of the lower caste who are negatively affected.

The example of Disparate impact is "A woman is denied for a position on a public firm's board of directors because the corporation wants all board members to be able to grow a beard."

Disparate effect refers to employment practices that might disproportionately harm one group of persons with a protected feature over another, even if the regulation is legally neutral.

Therefore, it can be concluded that option second is correct.

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Your question is incomplete, but most probably the full question was….

List of options:-

A) Final goods are goods that are purchased by the end-consumer or user for their personal consumption or use.

B) Intermediate goods, on the other hand, are goods that are used as inputs in the production of other goods.

Final goods and intermediate goods are terms used in economics to distinguish between different types of goods in the production process. Here's a breakdown of the difference between the two:

1. Final Goods:

Final goods are goods that are purchased by the end-consumer or user for their personal consumption or use. These goods are ready for consumption and do not undergo further processing or transformation before reaching the final consumer. Examples of final goods include food products, clothing, electronics, furniture, and vehicles. Final goods are the end result of the production process and are intended for final consumption or use.

2. Intermediate Goods:

Intermediate goods, on the other hand, are goods that are used as inputs in the production of other goods. They are not intended for final consumption but are instead used as raw materials, components, or capital goods in the production process. Intermediate goods undergo further processing or transformation before being included in the final goods. Examples of intermediate goods include raw materials like steel or wood, components like circuit boards or engines, and machinery or equipment used in production.

The key distinction between final goods and intermediate goods lies in their purpose and stage in the production process. Final goods are produced for the ultimate satisfaction of consumers' needs and are ready for consumption, while intermediate goods are used in the production of other goods and undergo further processing.

It's important to note that when calculating a country's Gross Domestic Product (GDP), only the value of final goods is considered. Intermediate goods are excluded to avoid double-counting, as their value is already included in the final goods they contribute to. By focusing on final goods, GDP provides a measure of the value of goods and services produced for final consumption in an economy.

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Answer:

a combination of factors that can be controlled by a company to influence consumers to purchase its products.

Explanation:

Beverly Mills has three leasing options to choose from. Each of these options differs in terms of the monthly cost, the total mileage allowance, and the cost for any miles over the set mileage allowance. Depending on her driving patterns, Beverly Mills can select the option that suits her the best.

Beverly Mills decided to lease a hybrid car to save on gasoline expenses and to do her part to help keep the environment clean. The car she selected is available from only one dealer in the local area, but that dealer has several leasing options to accommodate a variety of driving patterns.All the leases are for 3 years and require no money at the time of signing the lease.

The three lease options available to Beverly Mills are as follows:

Option 1:Monthly cost: $330Total mileage allowance: 36,000 miles (an average of 12,000 miles per year)Cost for any miles over 36,000: $0.35 per mile

Option 2:Monthly cost: $460Total mileage allowance: 45,000 miles (an average of 15,000 miles per year)Cost for any miles over 45,000: $0.45 per mile

Option 3:Monthly cost: $540Total mileage allowance: 60,000 miles (an average of 20,000 miles per year)Cost for any miles over 60,000: $0.55 per mile

Therefore, Beverly Mills has three leasing options to choose from. Each of these options differs in terms of the monthly cost, the total mileage allowance, and the cost for any miles over the set mileage allowance. Depending on her driving patterns, Beverly Mills can select the option that suits her the best.

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By comparing prices at different stores, consumers will save money and make informed purchasing decisions.

Comparing prices at different stores allows consumers to make informed purchasing decisions and save money. By taking the time to research and compare prices, consumers can identify the best deals and discounts available for the products they intend to buy.

This practice helps them ensure that they are getting the most value for their money. It can also help consumers uncover any price discrepancies or inflated prices allowing them to avoid overpaying for goods and services.

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Answer:

C

Explanation:

Answer:

Avoids the double taxation of C corporations

Explanation:

Double taxation occurs when an organization is made to pay their income taxes two times. This means that the tax is paid both on a personal level and on a corporate level.

This type of taxation puts a strain on the amount of profit that is realised as the corporation is mandated to pay income tax twice after which the remaining amount of profit is distributed to its partners.

Limited liability company do not make such double taxation payment as this type of business is arranged as a flow-through-organisation, this means that the profits comes straight to the shareholders.

This does not mean that they are exempted from tax payment. In a limited liability company taxes are paid only on a personal level.

Some of the job opportunities if one has an MBA Human Resource Management include:

As an HR Manager, you will be responsible for overseeing the human resources department of an organization, which includes recruitment, training, compensation, benefits, employee relations, and compliance with labor laws and regulations.

A Talent Acquisition Specialist is responsible for attracting and identifying top talent for an organization. Employee Relations Specialists work to promote positive relationships between employees and management.

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Answer:

consumers would find it cheaper to buy gasoline

Explanation:

In the short run a tax cut or tax suspension as we have In this question is able to increase demand because it increases peoples disposable income. This tax cut of $0.4 would remove burden on gasoline consumers. By removing the tax on gasoline the price of gasoline would become lower and consumers would find it easier and cheaper to purchase

Answer:

There are two rules to investing. Rule number one, don’t lose money. Rule number two, see rule number one.” Individual stocks are far riskier than a well-diversified basket of stocks. According to Cambridge Associates, during the 10 year period ended June 30, 2013, 55 stocks in the S&P 500 lost at least half of their market value.

Explanation:

A perpetual inventory system is used to keep and record stock levels and records every purchase and sale of items instantaneously and automatically.

The software in this system tracks a change in stock levels in real-time for each transaction that occurs. Businesses with increased sales volumes and more complicated, larger amounts of inventory might benefit from the perpetual system.

                  Efficient business systems

                        Income statement

                  Year ended march 31, 2018

Sales revenue                           $239000

Cost of goods sold                   $107,550

Gross profit                                  $131,450

Operating expenses:  

Selling expense               $27,000

Administrative expense       $14,400

Total operating expenses                    $41,400

Operating income                             $90,050

Other income (Expenses)  

Interest expense                $(2,400)

Total other income and (expenses)         $(2,400)

Net income(loss)                             $87,650

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The court ruled in favor of American Airlines in the Michael J. French v. American Airlines case, finding that the airline had not broken the Americans with Disabilities Act by mandating that the passenger's service animal remain in a kennel throughout the flight.

An airline passenger's request for a reasonable accommodation under the Americans with Disabilities Act (ADA) was the subject of the Michael J. French v. American Airlines lawsuit in 2009. A disabled traveler named Michael J. French asked American Airlines to give him a special seat for his Golden Retriever service dog on a flight from Utah to Pennsylvania. American Airlines turned down the demand.

The case was handled in Utah's Central Division of the US District Court.

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