what is the benefit of a regulatory guarantee or insurance program for liability holders of fis? it increases concerns about the asset quality of fi. it provides incentives to liability holders to engage in bank runs. it increases concerns about solvency of an fi. it decreases the likelihood contagious runs. it provides preference to those who are first in line to withdraw funds over those last in line.
Answers
A regulatory guarantee or insurance program for liability holders of financial institutions (FIs) can have several benefits, but it is important to note that it may also have some drawbacks.
Such a program can provide a level of protection and reassurance for liability holders, which in turn can increase confidence in the financial system as a whole.
This can decrease the likelihood of contagious runs, where one institution's problems lead to a domino effect that affects others.
In addition, such a program can provide incentives for liability holders to maintain their deposits in the FI, rather than withdrawing them en masse at the first sign of trouble.
This can help prevent bank runs, which can cause significant damage to the stability of the financial system.
However, there are also concerns that such a program can increase concerns about the solvency of an FI, and may even incentivize bank runs if liability holders feel that the FI is at risk of failing.
Additionally, providing preference to those who are first in line to withdraw funds over those who are last in line can create issues of fairness and equity, as some individuals may receive preferential treatment over others.
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Related Questions
I need the answer to the question below
Answers
Answer:
Explanation:
In case a cadbury's chocolate as cadbury owns the 80 percent of the market.
In case b water as water is daily need and cost of making is low and selling is high
in case c ciggrates are more elastic as for now ciggrates are addiction for large number of people.
In case d computer is used in day to day life and its easy to carry information rather than notepad
case e heating oil in one week as massaging body per week in required
case f bread is cheap as per caviar so large number of people can have in every case
tell me if this is good
Roses are red vilolets are blue that is why I can't stop thing of you.Ever time I'm here thinking of you my soul cry out for thinking of you and that's is why I love you.I can't stop thing of you and that's is I'm here if with you that's why I love you. God put us here together with you and that's why I love you<3
Answers
Answer:
it's a very good
Explanation:
but instead of four and I'm here thinking of you my soul Cries Out from thinking of you
Answer:
Very good
Explanation:
Bro I think you did an awesome job
After 8 years of working for a company that installed underground sprinkling systems for golf courses, Jake was ready to venture into his own business. As he prepared his SWOT analysis, he evaluated where he stood at this time. He was fortunate to have $100,000 financing to get the business under way. He knew of three skilled installers who were willing and interested to work for him, and he was aware that new construction was at an all-time low, with several residential properties being foreclosed. In reviewing his list, you would categorize these events as __________. Multiple Choice three opportunities and one threat two strengths and one opportunity two strengths and one threat three opportunities and one weakness
Answers
Answer:
two strengths and one threat
Explanation:
Since in the given situation it is mentioned that that Jake was fortunate to have $100,000 financing also the skilled installers are willing to work but at the same time he was aware that the new construction was all time low
So here there are two strengths and one threat
In this way the events are categorized
your teenaged cousin louise is thinking of opening mobile lemonade stand with delivery service. she has done some analysis and determined that by using ultra premium ingredients that would cost about $2 per cup, she thinks she can charge $5 per cup of bespoke lemonade during the lunch hour rush in the financial district. she estimates that she can sell about 50 cups daily, monday through friday at that price (250 days per year) for five years. her initial investment would be $50,000 for a food truck that she can then customize to her needs. while the cost of the truck is estimated at $50,000, the customization is expected to add another $20,000 to the cost. initial working capital requirements would add another $10,000 to the initial investment. the truck would have no salvage value after five years. louise’s brother, who coincidentally is an investment banker who works in the financial district, has mentioned to her that ultra premium food trucks typically earn 20% return on equity per year for their owners.
Answers
Louise's initial investment for the mobile lemonade stand, including the food truck, customization, and working capital, amounts to $80,000.
To assess the financial feasibility of Louise's mobile lemonade stand venture, we can calculate the potential return on equity (ROE) based on her estimated sales and costs. The ROE represents the profitability of an investment relative to the owner's equity. Louise plans to sell 50 cups of bespoke lemonade per day during the lunch hour rush, Monday through Friday, for 250 days a year over five years. This amounts to a total of 62,500 cups of lemonade sold over the five-year period. With a selling price of $5 per cup and a cost of $2 per cup for ultra premium ingredients, her revenue per year would be $78,125 (50 cups/day * $5/cup * 250 days/year). Her annual cost for the ingredients would be $31,250 (50 cups/day * $2/cup * 250 days/year), resulting in a gross profit of $46,875 ($78,125 - $31,250).
Considering her initial investment of $80,000, we can calculate the average annual ROE by dividing the cumulative gross profit ($234,375) by the initial investment. The average annual ROE would be approximately 29.3% ($234,375 / $80,000).
Louise's brother's mention of ultra premium food trucks typically earning a 20% ROE per year for their owners suggests that her venture could potentially be more profitable than average. With an average annual ROE of 29.3%, her mobile lemonade stand has the potential to generate above-average returns relative to her initial investment. However, it's important to note that this calculation does not take into account other expenses such as operating costs, marketing, taxes, and any unforeseen challenges that may arise. Therefore, Louise should conduct a more comprehensive financial analysis and consider other factors before making a final decision.
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If the marginal benefit of the first donut is 30, the marginal benefit of the second donut is 15, and the marginal benefit of the third donut is 10,
what is the total benefit from eating 2 donuts?
Answers
Answer:
45
Explanation:
Marginal benefit is the additional satisfaction gained from consuming an additional unit of the good. It refers to the advantage associated with the consumption of one more unit of a product. The total benefit is total satisfaction derived from the consumption of goods and services.
The total benefit of consuming two doughnuts is the sum of consuming the first two doughnuts.
= 30 +45
=45
4. If your checking account's balance is
$3,678.89 and you withdraw $1,514, what
is the remaining balance?
A $2,164.89
B $5,192.89
C$2,614.89
D $3,678.89
(Step by step ) please
Answers
Basically just subtract, 3,678.89-1514 = 2,164.89
During the first few months of operating a new business, the cash flow is usually:
positive
unknown
estimated
negative
Answers
When the body senses warmer temperatures, what happens to the blood vessels?
Answers
Answer:
When we get too hot, sweat glands in the skin release more sweat. The sweat evaporates, transferring heat energy from the skin to the environment.
Answer:
Part1:
B.) They become smaller.
Part 2:
A.) they become larger
Explanation:
edge 2021
a c corporation made a proper s-election and will be treated as an s-corporation as of the first day of year 2. in this case, the corporation is___
Answers
As of the first day of year 2, a c corporation that properly made an s-election will be considered as an s-corporation. The corporation is the tax in this situation.
For the purposes of federal taxation, S companies are businesses that choose to pass through to their shareholders corporate income, losses, deductions, and credits. To choose to be taxed as a C-Corp, utilise Form 8832. See Form 2553 if you want the LLC to be taxed as an S-Corp.
Your company will automatically be taxed as a C-Corp if it is a corporation. Form 8832 is not necessary for submission. According to IRS regulations, the C corporation is the typical (or default) company. A corporation that chooses a specific tax status is known as a S corporation.
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freight rates in the united states are often expressed in dollars or cents per:
Answers
Freight rates in the United States are often expressed in dollars or cents per mile, per hundredweight (CWT), or per pallet.
These different ways of expressing freight rates are used depending on the type of shipment and the industry standard. For example, per mile rates are commonly used for truckload shipments, where the distance traveled is a major factor in determining the cost. Per CWT rates are used for less-than-truckload (LTL) shipments, where the weight of the shipment is a major factor in determining the cost.
A ton-mile is a unit of measurement used in the transportation industry, representing the transport of one ton of goods over a distance of one mile. This allows freight companies to calculate and compare the costs of transporting goods over different distances.
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Why would banks offer higher interest rates for savings and checking accounts?
A. to encourage people to spend money in the economy
B. to discourage people to spend money in the economy
C. to encourage people to put money in saving and checking accounts
D. to discourage people to put money in saving and checking accounts
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Answer:
C) To encourage people to put money in savings and checking accounts
Explanation:
how can you explain the uncertainties in financial projections without scaring your audience?
Answers
You can explain the uncertainties in financial projections without scaring your audience by acknowledging the inherent unpredictability of future outcomes, highlighting the factors influencing the projections, and presenting a range of possible scenarios rather than fixed numbers.
Emphasize that projections are based on assumptions and that actual results may vary due to various external factors. Additionally, you can discuss risk mitigation strategies, contingency plans, and ongoing monitoring and adjustment of projections to instill confidence in your audience.
By openly addressing uncertainties and demonstrating proactive measures to manage them, you can present a realistic and transparent view of the financial projections. This approach helps to build trust and reassures your audience that you are aware of the potential challenges and are prepared to navigate them effectively.
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What are the basic forms of competition? Discuss
Answers
Answer:
Explanation:
La educación por competencias ha resurgido en todo el mundo con gran fuerza desde finales del siglo pasado. Las reformas del sistema educativo mexicano emprendidas en la última década y que comprenden todos los niveles tienen un elemento en común: un currículo con un enfoque basado en competencias. Al igual que en otros países, en México estamos viviendo una efervescencia por las competencias; no obstante, la confusión y la incertidumbre parecen ser el signo distintivo de estas reformas. Es cierto que el concepto de competencias es polisémico y complejo, que no existe una teoría unificada que sustente este enfoque y que carecemos de experiencia en la puesta en práctica de un currículo basado en competencias. Si a esto le sumamos la dificultad propia que entraña la evaluación del aprendizaje, diremos que las condiciones están puestas para que la ambigüedad y el desconcierto reinen en los centros educativos, tal como está sucediendo. Este artículo tiene como objetivo contribuir al debate teórico actual en torno a la evaluación de competencias, así como aportar algunos rudimentos de tipo metodológico que permitan a los profesores mejorar sus concepciones y prácticas de evaluación.
Palabras clave: educación por competencias, evaluación de competencias, currículo basado en competencias, aprendizaje por competencias.
ABC Company issued a bond with face value for $1000, paid annual 10% coupon and 3 years to maturity, what is the value of ABC bonds today if the required rate of return is 12%.
Answers
Answer:
The value of Bond = $951.963
Explanation:
The value of the bond is the present value(PV) of the future cash receipts expected from the bond. The value is equal to present values of interest payment plus the redemption value (RV) discounted at the yield rate
Value of Bond = PV of interest + PV of RV
Th e PV of interest payment
A ×(1- (1+r)^(-n))/r
Interest payment = 10%× 1000 = 100
PV = 100× (1- 1.12^(-3))/0.1 = 240.183126
PV of redemption value
PV = RV× (1+r)^(-n)
PV = 1000× 1.12^(-3) = 711.7802
The value of bond = 240.18 + 711.78= 951.963
The value of Bond = $951.963
true or false: in general, the best way to allocate costs in a large organization is to assign all overhead expenses to a single cost pool with one cost driver.
Answers
The given statement is false because assigning all overhead expenses to a single cost pool with one cost driver can lead to inaccurate cost allocation and poor decision-making.
This method assumes that all overhead costs are driven by a single factor, which may not be the case. For example, assigning all overhead costs to a single cost pool based on direct labor hours may not accurately reflect the true cost drivers of the organization.
Activity-based costing (ABC) is a more accurate method of cost allocation for large organizations. ABC uses multiple cost pools with appropriate cost drivers that accurately reflect the activities that drive the costs. By using multiple cost pools and appropriate cost drivers, organizations can make better decisions regarding pricing, product mix, and process improvements.
ABC provides a more accurate picture of the cost structure of a large organization and allows costs to be assigned to specific activities, providing a more accurate understanding of the true cost of producing a product or service.
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If ice cream or sherbet are not mixed constantly while they are being frozen, they will?
Answers
If ice cream or sherbet are not mixed constantly while they are being frozen, they will freeze into solid blocks of ice.
In North America, sherbet (often called sherbet in the United States) is a frozen dessert made with sugar-sweetened water, dairy products such as cream and milk, and generally flavorings.
Sherbet, pronounced "SHER-but", is a common word for any frozen sweet dessert made from fruit or fruit juice. Sherbert, with an r added to the second syllable and pronounced "SHER-bert", is not commonly used.
Sorbet contains dairy, but Sorbet is dairy free. Sorbet (not "sherbert" as it's often misunderstood) contains small amounts of dairy products such as milk, cream and buttermilk and is thicker than this raspberry buttermilk sorbet recipe (pictured above). It gives the ball a creamy texture.
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Local and regional government names are indexed first by: ______________
a. the name of the state.
b. the name of the country, city, town, township, or village.
c. the distinctive name of the department board, bureau, office, or government/political division
d. none of these choices.
Answers
The answer is the distinctive name of the department.
Accrual basis accounting recognizes ___ (equity/revenues/expenses) when the service or product is delivered and records ___ (revenues/expenses/liabilities) when ___ (incurred/paid) in order to adhere to the matching principle.
Answers
Answer: revenues ; expenses ; incurred
Explanation: Accrual basis of accounting from the english word 'accrue' means accumulation or gathering over a certain period of time. Hence, when investments, purchases are gathered or compiled over a certain time period.
In other to adhere to the matching principle under accrual basis of accounting :
Revenues should be recorded once the service or product is earned or delivered and not until when cash is paid. Expenses are recorded correspondingly irrespective of when the cash is paid out. Therefore, in accrual accounting, once obligation or expenses is incurred, expenses is recorded.
1(a). (TRUE or FALSE?) If projects A & B are mutually exclusive and their NPVs are less than zero, accept both projects.
1(b). (TRUE or FALSE?) Internal rate of return method shows how many years take to recoup the initial investment.
1(c). (TRUE or FALSE?) Any time you consider investing in a project, you will not actually receive the IRR unless you can reinvest the project’s intervening cash flows at the IRR.
Answers
The correct answer is-
1(a). FALSE. If projects A & B are mutually exclusive and their NPVs are less than zero, accept both projects.
1(b). FALSE. Internal rate of return method shows how many years take to recoup the initial investment.
1(c). TRUE. Any time you consider investing in a project, you will not actually receive the IRR unless you can reinvest the project’s intervening cash flows at the IRR.
1(a). FALSE. If projects A & B are mutually exclusive and their net present values (NPVs) are less than zero, it would not be advisable to accept both projects. When projects are mutually exclusive, it means that choosing one project automatically excludes the other. In such cases, it is generally recommended to accept the project with the higher positive NPV or reject both projects if their NPVs are negative. Accepting both projects with negative NPVs would likely result in a net loss for the company.
1(b). FALSE. The internal rate of return (IRR) method does not directly show how many years it takes to recoup the initial investment. The IRR is the discount rate at which the present value of the project's cash inflows equals the present value of its cash outflows, resulting in an NPV of zero. It represents the rate of return generated by the project over its entire duration. While it is related to the payback period (the time it takes to recover the initial investment), the IRR does not provide a direct measure of the payback period.
1(c). TRUE. Any time you consider investing in a project, the actual realization of the internal rate of return (IRR) depends on the ability to reinvest the project's intervening cash flows at the IRR. The IRR represents the rate of return that equates the present value of the project's cash inflows with the present value of its cash outflows. If the intervening cash flows can be reinvested at the IRR, then the project will achieve the calculated IRR. However, if the company cannot reinvest the cash flows at the IRR, the actual realized rate of return may differ from the IRR.
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How can a diverse economy like the United States, satisfy the needs of its consumers?
Answers
Answer:
Supply and Demand
Explanation:
If a bank protected by the FDIC fails, then all of the individuals who have deposited money into the bank _____. a. Are restricted from ever using a bank again b. Will be reimbursed by the federal government c. Have lost all of their money and savings forever d. Become members of the Federal Reserve Bank
Answers
If a bank protected by the FDIC (Federal Deposit Insurance Corporation) fails, then all of the individuals who have deposited money into the bank will be reimbursed by the federal government.
The FDIC is an independent agency of the federal government that provides deposit insurance to protect depositors in case a bank or savings institution fails. The standard deposit insurance amount is $250,000 per depositor, per insured bank, for each account ownership category.
If a bank fails and is unable to return deposits to its customers, the FDIC steps in to pay depositors up to the insured amount. This means that the individuals who have deposited money into the bank will not lose their money, as long as it is within the insured amount.
Help ASAP!!!! most possible answer
Answers
Answer:
The administration prosses a public and and AVAILIBLE TO ANYONE to review.
Explanation:
That is the most open administration because its available to anyone-(the public).
What is also known as the "world's largest pharmacy" -- a place where indigenous groups are using drones to keep tabs on illegal activity?
Answers
Answer: Amazon Rainforest
Explanation:
The Amazon Rainforest of South America is the largest rainforest in the world and is usually called Earth's lungs due to the large amount of oxygen it releases and the large amount of carbon dioxide it removes from the atmosphere and stores.
The Amazon has another name though which is the Worlds Largest Pharmacy. This is because the abundance of flora in the Amazon provide so many herbs that can be used as natural medicine.
Indigenous groups use drones in the Amazon to track places where people are engaging in illegal logging in efforts to protect the forest.
The top five cities where venture capitalists are investing their money represent 10% of the global total.
True
False
Answers
it is false statement that the top five cities where venture capitalists are investing their money represent 10% of the global total.
What is a Venture capital?
This refers to the managerial expertise provided by investors to startup firms with long-term growth potential.
However, it is false that the top five cities where venture capitalists are investing their money represent 10% of the global total.
Therefore, the statement is a false statement.
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commercial banks hold deposits and
Answers
Calculate the operational cost xyz : Installed data 7) N/. Capital r/ Rate (U) Ranning (u) اره cost electricity generation, and plant use Sactor power plant having following 300 MW capacity of plant 91000 Crove) tion cost = 12 % 6 load factor interes T and 6 cont (juelt taxation) = 60%
Answers
The operational cost of a power plant is a critical factor to consider when deciding whether to invest in the power plant or not. The operational cost of a power plant comprises of installation, running, and electricity generation costs. The following is a calculation of the operational cost of the XYZ power plant.
Maintenance cost is the cost of maintaining the power plant, and repair cost is the cost of repairing the power plant. Assuming that the running cost of the XYZ power plant is 0.25 crore per MW, then:
Running cost = (Fuel cost + Labor cost + Maintenance cost + Repair cost) * (300 * 0.6)
Electricity Generation Cost The electricity generation cost refers to the cost of generating one unit of electricity. The formula for calculating the electricity generation cost of a power plant is as follows:
Electricity generation cost = (Running cost + Interest + Depreciation + Taxation) / (Capacity of the plant * Load factor * 365 * 24)
A Total operational cost = Capital cost + (Electricity generation cost * Units generated)
Units generated = Capacity of the plant * Load factor * 365 * 24 * Power factor
Assuming that the power factor of the XYZ power plant is 0.9, then: Units generated = 300 * 0.6 * 365 * 24 * 0.9
Units generated = 1,576,640,000 units
Total operational cost = 1050 + (1.63 * 1,576,640,000)
Total operational cost = 2571.88 crore
Therefore, the operational cost of the XYZ power plant is 2571.88 crore.
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Which of the following best describes the purpose of an Egyptian pyramid?
A. the pharaoh's home
B. a monument to honor the gods
C. the pharaoh's burial chamber
D. a storage place for the pharaoh's treasures
Answers
Answer:
C. The pharaoh's burial chamber
Explanation:
The purpose of the Pyramids where for when the Pharaoh were to die they would be wrapped and put in a coffin and placed in the BURIAL CHAMBER will lots of treasures for the afterlife.
Race, sex, and religious beliefs are traits that cannot be used as
a basis for workplace treatment because they are
1. Private choices
2. Protected characteristics
3. Positive characteristics
4. Protected choices
Answers
Spicer Dentistry is considering the purchase of a new x-ray machine that costs $24,000 and has a useful life of 10 years. The new machine is expected to reduce operating costs by $4,000 per year. The payback period for the x-ray machine is
Answers
The payback period for the x-ray machine equals 6 years.
What is a payback period?This means the period of time it will takes a firm to recover the cost of an investment.
Given data
Costs = $24,000
Useful life = 10 years
Reduce operating costs by $4,000
Payback period = $24,000 / 4000
Payback period = 6 years
Therefore, the payback period for the x-ray machine equals 6 years.
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Which type of bankruptcy is when a person sells all their assets to eliminate their debt? Chapter 6 Chapter 7 Chapter 11 Chapter 13
Answers
The type of bankruptcy which occur wheen is when a person sells all their assets to eliminate their debt is Chapter 7.
What is Chapter 7 bankruptcy?Chapter 7 bankruptcy can be described as the “liquidation” bankruptcy. Businesses going through this type of bankruptcy are past the stage of reorganization and must sell off assets to pay their creditors.
It should be noted that the process works much the same for individuals however the Bankruptcy do make people who can no longer pay their debts get a fresh start by liquidating assets so that they can attend to their debts or by creating a repayment plan, in conclusion Bankruptcy laws also protect financially troubled businesses. This section explains the bankruptcy process and laws.
Therefore, option C is correct.
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Answer: it is c took the assesment and got it right
Explanation: im him