Unfortunately, Tori doesn't have enough money in her account right now. She needs to make additional contributions at the end of each of the next three years to be able to pay for the repairs. Her account currently has $5,000, which, along with her additional contributions, is expected to continue earning 9% annual interest. If she makes equal contributions each year, how large must each contribution be for Tori to have $9,000 after three years

Answers

Answer 1

Answer:

Annual deposit= $770.22

Explanation:

Giving the following information:

PV= 5,000

FV= 9,000

i= 0.09

n= 3

First, we need to calculate the final value of the first $5,000. We will use the following formula:

FV= PV*(1+i)^n

FV= 5,000*1.09^3

FV= 6,475.15

Now, we calculate the annual deposits for the difference:

Investment difference= 9,000 - 6,475.15= 2,524.85

FV= {A*[(1+i)^n-1]}/i

A= annual deposit

Isolating A:

A= (FV*i)/{[(1+i)^n]-1}

A= (2,524.85*0.09) / [(1.09^3)-1]

A= $770.22


Related Questions

You have just turned 30 years​ old, have just received your​ MBA, and have accepted your first job. Now you must decide how much money to put into your retirement plan. You are required to specify a fixed percentage of your salary that you want to contribute. Assume that your starting salary is $ 70 comma 000 per year and it will grow 1.8 % per year until you retire. Every dollar in the plan earns 6.5 % per year. You cannot make withdrawals until you retire on your​ sixty-fifth birthday. After that​ point, you can make withdrawals as you see fit. You decide that you will plan to live to 100 and work until you turn 65. You estimate that to live comfortably in​ retirement, you will need $ 97 comma 000 per year starting at the end of the first year of retirement and ending on your 100th birthday. What percentage of your income do you need to contribute to the plan every year to fund your retirement​ income?

Answers

Answer:

Find attached

Explanation:

The present value of $97,000 per year after retirement for 35 years is computed thus:

=-pv(rate,nper,pmt,fv)

rate is the plan rate of return of 6.5%

nper is 35 years(years after retirement)

pmt is the amount required per year

fv is not applicable is taken as zero

=-pv(6.5%,35,97000,0)=$1,327,634.80  

The amount needed in the account at retirement is the future value of the plan.

Regular yearly payment into the plan is =pmt

=pmt(rate,nper,-pv,fv)

=-pmt(6.5%,35,0,1327634.80)=$ 10,703.74

The percentage of income that must be contributed is found in the attached

The following information is from the records of Pangolin Camera Shop: Bad expense is estimated by the aging-of-receivables method. Management estimates that $2,950 of accounts receivable will be uncollectible. Calculate the amount of net accounts receivable after the adjustment for bad debts. Supporting Materials / Group of answer choices $22,950 $22,050 $21,150 $20,800

Answers

Answer:

$22,050

Explanation:

The computation of the net account receivable after the adjustment of bad debt is shown below:

As we know that

Net account receivable = Account receivable - bad debt expense

= $25,000 - $2,950

= $22,050

By deducting the bad debt expense from the account receivable we can get the net account receivable and the same is to be considered

hence, the correct option is B.

abares Corporation had these transactions during 2020. Indicate whether each transaction is an operating activity, investing activity, financing activity, or noncash investing and financing activity. (a) Issued $50,000 par value common stock for cash. Financing Activities (b) Purchased a machine for $30,000, giving a long-term note in exchange. Financing Activities (c) Issued $200,000 par value common stock upon conversion of bonds having a face value of $200,000. Noncash Investing and Financing Activities (d) Declared and paid a cash dividend of $18,000. Financing Activities (e) Sold a long-term investment with a cost of $15,000 for $15,000 cash. Investing Activities (f) Collected $16,000 from sale of goods.

Answers

Answer:

(a) Issued $50,000 par value common stock for cash = Financing Activities

b) Purchased a machine for $30,000, giving a long-term note in exchange. Financing Activities = Non-cash Investing and Financing Activity

(c) Issued $200,000 par value common stock upon conversion of bonds having a face value of $200,000 =  Non-cash Investing and Financing Activities

(d) Declared and paid a cash dividend of $18,000 = Financing Activities

(e) Sold a long-term investment with a cost of $15,000 for $15,000 cash = Investing Activities

(f) Collected $16,000 from sale of goods = Operating Activities

Explanation:

The Cash flows related to raising of capital is known as Cash flow from Financing Activities.

The Cash flows related to growing and selling of Assets of the business is known as Cash flow from Investing Activities.

The Cash flow related to trade in Ordinary course business of the Company is known as Cash flow from Operating Activities.

The recognition of the need for organizations to improve the state of people, the planet, and profit simultaneously is referred to as need for organizations to improve the state of people, the planet, and profit simultaneously is referred to as

Answers

Answer:

The correct answer is: Corporate Social Responsibility (CSR).

Explanation:

To begin with, the concept known as ''Corporate Social Responsibility'' refers to a type of position adopted by the organization in order to achieve certain goals that are related to the subjects of the state of people, the health of the planet and its environment and take all that and combine it with the typically normal profit goal of every business so in that way the members of the organization can act with the purpose of achievieng all those.

Ken is 63 years old and unmarried. He retired at age 55 when he sold his business, Understock.com. Though Ken is retired, he is still very active. Ken reported the following financial information this year. Assume Ken files as a single taxpayer.Ken won $1,200 in an illegal game of poker (the game was played in Utah, where gambling is illegal).Ken sold 1,000 shares of stock for $32 a share. He inherited the stock two years ago. His tax basis (or investment) in the stock was $31 per share.Ken received $25,000 from an annuity he purchased eight years ago. He purchased the annuity, to be paid annually for 20 years, for $210,000.Ken received $13,000 in disability benefits for the year. He purchased the disability insurance policy last year.Ken decided to go back to school to learn about European history. He received a $500 cash scholarship to attend. He used $300 to pay for his books and tuition, and he applied the rest toward his new car payment.Ken’s son, Mike, instructed his employer to make half of his final paycheck of the year payable to Ken as a gift from Mike to Ken. Ken received the check on December 30 in the amount of $1,100.Ken received a $610 refund of the $3,600 in state income taxes his employer withheld from his pay last year. Ken claimed $12,050 in itemized deductions last year (the standard deduction for a single filer was $12,000).Ken received $30,000 of interest from corporate bonds and money market accounts.What is his gross income?

Answers

Answer:

Gross Income = 46950

Explanation:

SOURCE                                                                                           AMOUNT

Illegal gross income (from poker)                                                   1200

Gain on stock sale                                                                           1000

Annuity (25000 - 210000/20)                                                         14500

Scholarship (excess of book allowance paid, for taxable car)       200

Tax refund (tex benefit of last year)                                                  50

Interest Income                                                                                 30000

Total Gross Income                                                                         46950

Disability benefit is excluded as the policy was purchased by taxpayer. Income from son is also  not included, as income is taxed to taxpayer who earned the income

In January the price of dark chocolate candy bars was $2.00, and Aji’s Chocolate Factory produced 80 pounds. In February the price of dark chocolate candy bars was $2.50, and Aji’s Factory produced 110 pounds. In March the price of dark chocolate candy bars was $3.00, and Aji’s Factory produced 140 pounds.a. Calculate the price elasticity of supply for Aji's Chocolate Factory in February b. Calculate the price elasticity of supply for Aji's Chocolate Factory in March c. If Aji's Factory is nearly at full capacity of production in March, what will happen to Aji's Factory price elasticity of supply in April?

Answers

Answer:

a. Calculate the price elasticity of supply for Aji's Chocolate Factory in February

1.5 elastic

b. Calculate the price elasticity of supply for Aji's Chocolate Factory in March

1.36 elastic

c. If Aji's Factory is nearly at full capacity of production in March, what will happen to Aji's Factory price elasticity of supply in April?

If the company is producing at full capacity, then its price elasticity of supply will be perfectly inelastic even if the price increases. This is because any increase in price will not affect the quantity supplied because the company cannot increase it even if they wanted to.

Explanation:

price elasticity of supply = % change in quantity supplied / % change in price

It measures the proportional change in the quantity supplied that producers will make given a 1% change in the price of their product.

PES February = [(110 - 80)/80] / [(2.5 - 2)/2] = 0.375 / 0.25 = 1.5

PES March = [(140 - 110)/110] / [(3 - 2.5)/2.5] = 0.273 / 0.2 = 1.36

Murphy Printers ​(MP) manufactures printers. Assume that MP recently paid $ 500 comma 000 for a patent on a new laser printer. Although it gives legal protection for 20​ years, the patent is expected to provide a competitive advantage for only eight years.
Requirements
1. Assuming the​ straight-line method of​ amortization, make journal entries to record​ (a) the purchase of the patent and​ (b) amortization for the first full year.
2. After using the patent for four ​years, MP learns at an industry trade show that another company is designing a more efficient printer. On the basis of this new​ information, MP​ decides, starting with year 5​, to amortize the remaining cost of the patent over two remaining​ years, giving the patent a total useful life of six years. Record amortization for year 5.

Answers

Answer: The answer is given below

Explanation:

1. The journal entries to record​ the purchase of the patent and​ the amortization for the first full year has been solved and attached.

2. The amortization expense of he 4 years will be:

= $62500 × 4

= $250,000

Therefore, the book value of the patent will be:

= Cost of the patent - amortization expense

= 500,000 - 250,000

= $250,000

Amortization for year 5 = Book value/Estimated useful life remaining

= 250,000/2

= $125,000

The journal for the amortization expense for year 5 has been attached

Solar Innovations Corporation bought a machine at the beginning of the year at a cost of $25,000. The estimated useful life was five years and the residual value was $3,000. Assume that the estimated productive life of the machine is 10,000 units. Expected annual production was year 1, 2,000 units; year 2, 3,000 units; year 3, 2,000 units; year 4, 2,000 units; and year 5, 1,000 units. Required: Complete a depreciation schedule for each of the alternative methods. a. Straight-line. b. Units-of-production. c. Double-declining-balance. Which method will result in the highest net income in year 2

Answers

Answer:

The straight line depreciation will result in highest net income in year 2.

Explanation:

a. Straight Line:

( Cost - residual value ) / useful life

( $25,000 - $3,000 ) 5

Depreciation = $4,400

b. Units of production:

( cost * annual production ) / Total expected production over life

Year 1: $25,000 * 2,000 units / 10,000 units = $5,000

Year 1: $25,000 * 3,000 units / 10,000 units = $7,500

c. Double declining balance:

100% / 5 years = 20% * 2 = 40%

Year 1: $25,000 * 40% = $10,000

Year 2: $15000 * 40% = $6,000

After successfully completing your corporate finance class, you feel the next challenge ahead is to serve on the board of directors of Schenkel Enterprises. Unfortunately, you will be the only person voting for you. The company has 430,000 shares outstanding, and the stock currently sells for $51, If there are four seats in the current election, how much will it cost you to buy a seat

Answers

Answer:

$4,386,051

Explanation:

For computation of cost to buy a seat first we need to follow some steps which is shown below:-

Step 1 :

Number of seats available for election = 4

So, the percentage of stock needed = 1 ÷ (4 + 1)

= 20%

Step 2

Number of Stock needed = (Outstanding shares × Percentage of stock) + 1

= (430,000 × 20%) + 1

= 86,000 + 1

= 86,001

and finally

Total cost required to buy a seat = Number of Stock × Stock Currently Sold

= 86,001 × $51

= $4,386,051

So, we have applied the above formula.

The May transactions of Concord Corporation were as follows. May 4 Paid $860 due for supplies previously purchased on account. 7 Performed advisory services on account for $7,490. 8 Purchased supplies for $840 on account. 9 Purchased equipment for $1,940 in cash. 17 Paid employees $500 in cash. 22 Received bill for equipment repairs of $810. 29 Paid $1,190 for 12 months of insurance policy. Coverage begins June 1. Journalize the transactions

Answers

Answer:

May 4

Debit Accounts Payable $860

Credit Bank/Cash account $860

Being entries to record payment for supplies purchased previously on Account

May 7

Debit Accounts Receivable $7,490

Credit Service revenue $7,490

Being entries to recognize service revenue  made on accounts

May 8

Debit Supplies account $840

Credit Accounts Payable $840

Being entries to recognize supplies purchased on account

May 9

Debit Fixed assets account $1,940

Credit Cash account $1,940

Being entries to record equipment purchased with cash

May 17

Debit Salaries expense $500

Credit Cash account $500

Being entries to record payment of salaries

May 22

Debit Maintenance and repairs $810

Credit Accounts Payable $810

Being entries to recognize repairs expense

May 29

Debit Prepaid Insurance $1,190

Credit Cash account $1,190

Being entries to recognize advance payment for insurance

Explanation:

To purchase items on account is to purchase on credit. This creates a liability in the form of accounts payable. An increase in assets or expenses is a debit entry while a decrease is a credit entry. For liability or an income, a credit is an increase while a debit is a decrease.

Tharaldson Corporation makes a product with the following standard costs:
Standard Quantity Standard Price Standard Cost
or Hours or Rate Per Unit
Direct materials 7.7 ounces $ 2.00 per ounce $ 15.40
Direct labor 0.8 hours $ 11.00 per hour $ 8.80
Variable overhead 0.8 hours $ 4.00 per hour $ 3.20
The company reported the following results concerning this product in June.
Originally budgeted output 3,100 units
Actual output 2,500 units
Raw materials used in production 22,300 ounces
Purchases of raw materials 23,400 ounces
Actual direct labor-hours 3,600 hours
Actual cost of raw materials purchases $ 45,100
Actual direct labor cost $ 13,100
Actual variable overhead cost $ 3,550
The company applies variable overhead on the basis of direct labor-hours. The direct materials purchases variance is computed when the materials are purchased.
The materials price variance for June is:_________.
Garrison 16e Rechecks 2017-10-31

Answers

Answer:

Direct material price variance= $1,638 favorable

Explanation:

Giving the following information:

Direct materials 7.7 ounces $ 2.00 per ounce $ 15.40

Purchases of raw materials 23,400 ounces

Actual cost of raw materials purchases $ 45,100

To calculate the direct material price variance, we need to use the following formula:

Direct material price variance= (standard price - actual price)*actual quantity

Actual price= 45,100/23,400= $1.93

Direct material price variance= (2 - 1.93)*23,400

Direct material price variance= $1,638 favorable

Identify what type of unemployment each of the individuals faces. James is an architect who has been laid off owing to a slump in the demand for property. He feels he will have to wait until the economy picks up before he can get a new job. James is facing

Answers

Answer:

cyclical unemployment

Explanation:

The situation when the overall demand for goods and services cannot support full employment in an economy, it results in cyclical unemployment. It takes place during periods of slow economic growth.

In the given question,

as James will have to wait until the economy picks up before he can get a new job, he is facing cyclical unemployment.

he Petteys family plans to buy a home for $224,900, and has been offered a 30-year mortgage with a rate of 5.5% if they make a 20% down payment . Calculate the down payment. (Do not include a dollar sign with your answer)

Answers

Answer:

44,980

Explanation:

20 % of $224,900 = (20/100) × $224,900 = $44,980

Zisk Co. purchases raw materials on account. Budgeted purchase amounts are April, $80,000; May, $110,000; and June, $120,000. Payments are made as follows: 70 % in the month of purchase and 30 % in the month after purchase. The March 31 balance of accounts payable is $22,000 Prepare a schedule of budgeted cash payments for April, May, and June.
April May June
Current month purchases 70%
Ending accounts payable 30 %
Total purchases
ZISK CO.
Schedule of Cash Payments For April, May, and June
Аpril May June
Cash payments for
Current month purchases
Prior month purchases
Budgeted cash payments for materials

Answers

Answer:

Results are below.

Explanation:

Giving the following information:

Budgeted purchase:

April= $80,000

May= $110,000

June= $120,000.

Payments are made as follows:

70% in the month of purchase and 30% in the month after purchase.

The March 31 balance of accounts payable is $22,000

April:

Purchase from April= 80,000*0.7= 56,000

From previous month= 22,000

Total cash= 78,000

May:

Purchase from May= 110,000*0.7= 77,000

From previous month= 80,000*0.3= 24,000

Total cash= 101,000

June:

Purchase from June= 120,000*0.7= 84,000

From previous month= 110,000*0.3= 33,000

Total cash= 117,000

The WorldLight Company produces two light fixtures (products 1 and 2) that require both metal frame parts and electrical components. Management wants to determine how many units of each product to produce so as to maximize profit. For each unit of product 1, 1 unitof frame parts and 2 units of electrical components are required. For each unit of product 2, 3 units of frame parts and 2 units of electrical components are required. The company has 200 units of frame parts and 300 units of electrical components. Each unit of product 1 gives a profit of $2, and each unit of product 2, up to 70 units, gives a profit of $4. Any excess over 60 units of product 2 brings no profit, so such an excess has been ruled out. Formulate a linear programming model for this problem. Use the graphical method to solve this model. What is the resulting total profit?

Answers

Answer:

Explanation:

a) x1 = number of unit product 1 to produce , and

x2 number of unit product 2 to produce

A linear program that will maximize world light profit is the following

maximize [tex]x_1+2x_2[/tex] subject to [tex]x_1+3x_2\leq 200[/tex]

[tex]2x_1+2x_2\leq 300\\\\x_2\leq 60\\\\x_1\geq 0\\\\x_2\geq 0[/tex]

Unit 1 is used both in products in 1 : 3 ratio which can be a maximum of 200 unit 2 is used in 2 : 2 ratio which can be maximum of 300

So, this can be written as the inequations

Profit functio is p = 0ne dollar on product A and two dollar on product B

= x + 2y

Now , we find a feasible area whose extremeties will give the maximum profit for, the  graph is ( see attached file )

So on the graph, we can get the other extremeties of the shaded regional so which will not give maximum profit ,

Thus , the maximum possible profit is

p = ($1 * 125) + ($2 * 25)

= $175

Total profit according to graph function is $175.

Profit function based problem:

Given that;

Number of unit product 1 to produce = x1

Number of unit product 2 to produce = x2

Computation:

The following is a linear algorithm that will maximize global light profit.

x1 + 2x2 and x1 + 3x2 ≤ 200

2x1 + 2x2 ≤ 300

x2 ≤ 60

x1 ≥ 0

x2 ≥ 0

Unit 1 is used in both products in a 1: 3 ratio with a maximum of 200 units, while Unit 2 is used in a 2: 2 ratio with a maximum of 300 units.

As a result, this may be stated as inequations.

p = one dollar on product A and two dollars on product B = x + 2y is the profit function.

So,

p = ($1 × 125) + ($2 × 25)

P = 125 + 50

Profit = $175

Find out more information about 'Maximum unit'.

https://brainly.com/question/228048?referrer=searchResults

Lindley Enterprises sells hand-woven rugs. Paige Corporation is a regular customer of Lindley. On June 30, Paige purchased 500 rugs from Lindley for $400,000 on credit. On August 15, Paige paid Lindley in full on its $400,000 balance. Required: Prepare the related journal entries for Lindley.

Answers

Answer:

Sales on June 30:

Dr accounts receivable  $400,000

Cr sales revenue                                 $400,000

On August 15:

Dr cash                   $400,000

Cr accounts receivable                       $400,000

Explanation:

On June 30 when Lindley Enterprises sold 500 rugs worth $400,000 to Paige Corporation ,Lindley would have to recognize sales of $400,000 since the rugs have been transferred to Paige Corporation by crediting sales revenue and debiting accounts receivable with $400,000.

On August 15,Lindley would have received cash of $400,000 in respect of their earlier sales,hence accounts receivable should be credited while cash account is debited

Sam is training for a triathlon, a timed race that combines swimming, biking, and running. Consider the following sentence: In order to swim for an hour, Sam must take time away from work, where he earns $10 per hour. This is in addition to paying a $5 entrance fee for the pool. Which basic principle of individual choice do these statements best illustrate? The cost of something is what you give up to get it. Markets are usually a good way to organize economic activity. People usually exploit opportunities to make themselves better off. Trade can make everyone better off.

Answers

Answer:

The cost of something is what you give up to get it.

Explanation:

To partake in triathlon, Sam is forgoing the amount he would have earned if he went to work instead. This is known as the opportunity cost or implicit cost

Opportunity cost is the cost of the next best option forgone when one alternative is chosen over other alternatives.

Sam has to pay $5 to partake in the triathlon. This amount is known as explicit cost. Explicit cost is the cost incurred in carrying out an activity.

Sam's accounting cost is $5

Sam's economic cost is $5 + $10 = $15

I hope my answer helps you

Trendz Inc. is a leading brand of fashion clothing and accessories based in Houston. After gaining a strong foothold in the U.S., the company wants to foray into foreign markets. The management at Trends knows that people residing in other countries are likely to have different tastes and preferences, so they may have to redesign some of their offerings. Which of the following strategies is Trendz using?
A) market-penetration strategy
B) outsourcing strategy
C) geographic-expansion strategy
D) product differentiation strategy
E) ethnocentric strategy

Answers

Answer:

The correct answer is the option D: product differentiation strategy.

Explanation:

To begin with, the fact that the company knows and understand that in other countries the people may have other needs and preferences is helpful because in that way they are able to investigate and start the creation and production of a good that adjusts to the preferences of that other country and by doing that the company leaves behind the concept of standarization and focus on the differentiation of its product by making it unique in every country they are in.

Adams operates his $57500 firm using his own equity. Bob operates his firm with $28750 of his own money plus $28750 of debt at a cost of 5 percent interest. Calculate Adams's and Bob's return on equity if their respective businesses produce earnings before interest and tax of $7000. Assume perfect markets.

Answers

Answer:

Adam return on equity is 12.1%. while Bob return on equity is 19.3%

Explanation:

Given that:

Now,

For Adam:

Earnings before interest and taxes (EBIT) = Net income + Interest + Taxes

EBIT = $7000

The equity of shareholders = $57500

The number of debt by which Adams shows no interest expense and no tax expense as perfect market presumed is stated s follows:

ROE = Net income /Average Shareholder Equity

=$7000/$57500

=0.121739

Therefore, Adam return on equity is 12.1%

For Bob

The equity of shareholders = $28750

The expense (interest) = Debt * Interest rate

=$28750 * 0.05

= 1437.5

Thus

Net income = EBIT - Interest

= 7000 -1437.5

=5562.5

Now,

ROE = Net income /Average Shareholder Equity

=5562.5 /$28750

= 0.19347

=19.3%

Therefore, Bob return on equity is 19.3%

An economy consists of three workers: Rajiv, Yakov, and Charles. Each works 10 hours a day and can produce two services: mowing lawns and washing cars. In an hour, Rajiv can either mow 2 lawns or wash 1 car; Yakov can either mow 1 lawn or wash 1 car; and Charles can either mow 1 lawn or wash 2 cars. For each of the scenarios listed in the following table, determine how many lawns will be mowed and how many cars will be washed per day and enter these values into the corresponding row Scenario Lawns Mowed Cars Washed All three spend all their time mowing lawns.
(A) All three spend all their time washing cars
(B) All three spend half their time on each activity.
(C) Rajiv spends half his time on each activity, while Yakov only washes cars and Charles only mows lawns.
(D) Identify the opportunity cost of washing cars for each worker. Worker Opportunity Cost of Washing Cars Yakov Charles

Answers

Answer:

(A) All three spend all their time washing cars

In 10 hours Rajiv will wash 10 cars, because he can wash 1 car per hour.

Yakov will also wash 10 cars because he can wash 1 car per hour.

And, Charles will wash 20 cars because he can wash 2 cars per hour.

(B) All three spend half their time on each activity.

In 5 hours, Rajiv will mow 10 lawns, and wash 5 cars.

Yakov will mow 5 lawns and wash 5 cars.

And Chalres will mow 5 lawns and wash 10 cars.

(C) Rajiv spends half his time on each activity, while Yakov only washes cars and Charles only mows lawns.

Rajiv will mow 10 lawns and wash 10 cars.

Yakov will wash 10 cars.

And Charles will mow 10 lawns.

(D) Identify the opportunity cost of washing cars for each worker.

For Rajiv, the opportunity cost of washing 1 car is not mowing 2 lawns.

For Yakov, the opportunity cost is not mowing 1 lawn.

For Charles, the opportunity cost is not mowing half a lawn.

A pension fund manager is considering three mutual funds. The first is a stock fund, the second is a long-term government and corporate bond fund, and the third is a T-bill money market fund that yields a sure rate of 4.4%. The probability distributions of the risky funds are: Expected Return Standard Deviation Stock fund (S) 14% 34% Bond fund (B) 5% 28% The correlation between the fund returns is 0.0214. What is the expected return and standard deviation for the minimum-variance portfolio of the two risky funds

Answers

Answer:

Explanation:

Expected Return stock fund ([tex]E_{rs[/tex]) = 14% = 0.14,  Expected Return bond fund ([tex]E_{rb[/tex]) = 5% = 0.05, Standard Deviation  stock fund ([tex]\sigma_s[/tex]) = 34% = 0.34, Standard Deviation  bond fund ([tex]\sigma_b[/tex]) = 28% = 0.28, correlation (ρ) between the fund returns is 0.0214

You want to buy a house and will need to borrow $255,000. The interest rate on your loan is 5.89 percent compounded monthly and the loan is for 25 years. What are your monthly mortgage payments

Answers

Answer: $1,626

Explanation:

A Mortgage payment is a type of annuity so the Present Value of an Annuity formula can be used to calculate this.

The Period is 12 months so adjustments need to be made to the interest rate and the period.

Period.

= 25 years * 12 months

= 300

Interest Rate

= 5.89/12

= 0.4908%

Present Value of the Annuity is the mortgage amount of $255,000

Present Value of Annuity is,

P = PMT ( 1 - ( 1 + r)^-n) / r

Where,

P = Present Value

PMT = payment per period

r = Interest rate

n= no. of periods

255,000 = PMT ( 1 - (1+0.4908%)^-³⁰⁰) / 0.4908%

255,000 = 156.8456 PMT

PMT = 255,000/156.8456

= $1,625.80

= $1,626

How did industrialization and unionization need to outsourcing

Answers

Answer: It is often assumed that manufacturing workers in developing countries, as recipients of outsourced jobs, would achieve economic benefits and organizational power. The author argues that job growth in developing countries through outsourcing to competing firms has often actually resulted in declining unionization and lower wage rates relative to traditional, integrated manufacturing firms. Using time-series data on union membership from 1980-2003 for Honduras and El Salvador as well as 2004 Household Survey Data for El Salvador, he examines the determinants of unionization rates and wages in the manufacturing sectors. He finds that that competitive outsourcing hurts labor at the plant-level in three ways: 1) it reduces labor's strike leverage by geographically dispersing the production process; 2) it increases the threat of plant mobility by decreasing plant-level investments; and 3) it increases labor costs relative to total costs, which creates an incentive for employers to keep wages low and unions out.

Describe the procedure of preparing vision and mission statement of an organisation

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Mission and vision statements are concise, inspiring statements that clearly communicate the direction and values of an organization. These statements can powerfully explain your intentions, and they can motivate your team or organization to realize an inspiring vision of the future.

Liu Electronics budgeted sales of $400,000.00 for the month of November and cost of goods sold equal to 65 percent of sales. Beginning inventory was $80,000.00 and ending inventory is estimated at $72,000.00. The budgeted purchases for November are:________

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Answer:

Purchases= $252,000

Explanation:

Giving the following information:

Sales= $400,000

Cost of goods sold equal to 65 percent of sales.

Beginning inventory= $80,000

Ending inventory= $72,000

To calculate the purchase required, we need to use the following formula:

Purchases= sales + desired ending inventory - beginning inventory

Purchases= (400,000*0.65) + 72,000 - 80,000

Purchases= $252,000

Timm Inc., a calendar year, accrual basis taxpayer, is being sued by a customer who was injured when she tripped over a loose carpet in Timm's retail store. Timm's auditors required the corporation to accrue a $500,000 contingent liability and current year expense. Which of the following statements is true?

a. Timm can deduct the $500,000 accrued expense.
b. Timm can never deduct the $500,000 expense.
c. Timm can deduct the expense in the year in which the liability becomes fixed and determinable.
d. Timm can deduct the expense in the year of payment.

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Answer: d. Timm can deduct the expense in the year of payment.

Explanation:

A Contingent Liability refers to a liability that a company MIGHT incur if a future event happens. It is mostly often used for law suits in case a company has to pay damages. They will thus accrue the expense in readiness to pay it off should the need ever arise.

While Timm will record it in the books, there is no need to deduct it from the income yet. Timm should wait until the year they will have to pay to deduct it. That way the expense will be correctly apportioned to it's corresponding period.

Consider the business Dave’s Doughnuts. Which of the following is a sunk cost of this business? Group of answer choices The monthly rent Dave must pay to use a building downtown The wages Dave pays to his workers who make the doughnuts The expenses that went into research and development of a new doughnut flavor The salary that Dave could be earning elsewhere if he didn’t own the business None of the above

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Answer:

The expenses that went into research and development of a new doughnut flavor

Explanation:

A sunk cost is a cost that has already been incurred and cannot be recovered. It is money that has already been spent. Sunk costs are bygone and are not to be considered when deciding whether to continue an investment project.

The expenses that went into research and development of a new doughnut flavor is a sunk cost since the cost has been incurred already and cannot be recovered because it is not a relevant cost.

A worker can choose high (H) or low (L) effort. If the worker chooses high effort, she incurs a personal cost of 1. In this case, output is high with probability one. If the worker chooses low effort, she incurs a personal cost of 0. In this case, output is low with probability one. When output is high, the firm receives revenue of O and zero otherwise. Can the same outcome be achieved when effort is unobservable?
A. Yes, because the firm would find it wothwhile to pay the bonus for high effort.
B. No, because for any bonus offered, the worker will claim to have exerted high effort.
C. No, because the firm has to pay the bonus based on output.
D. Yes, because effort can be perfectly inferred from output, which is observable.

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Answer:

B. No, because for any bonus offered, the worker will claim to have exerted high effort.

Explanation:

This question required some basic reasoning about how human beings function. We all like to receive things from others, and if they are free (or without cost or effort) the more we like them. And we all believe that good things should happen to us and that we are entitled to receive good things. That is the basic reason why jealousy and envy exist.

Now, back to our case. If the company simply hands out bonuses to everyone regardless of their personal effort, every single worker will be convinced that they really deserve the bonus. Even if the worker didn't even try to do his best or didn't do anything right at all, he/she will be convinced that they deserve the bonus. Each and every single worker will claim that the reason they are receiving the bonus is due to their work. Everyone will say that they worked hard and their work was good.

Imagine this happened at school. One day, the teacher decides to give As to half the class in alphabetical order (or any other random way). The half that got the As will believe that they deserved the As while the other half will be very unhappy. If everyone got As, then everyone will be convinced that thy got As because they deserved them.

Your company currently has $ 1 comma 000 ​par, 6 % coupon bonds with 10 years to maturity and a price of $ 1 comma 078. If you want to issue new​ 10-year coupon bonds at​ par, what coupon rate do you need to​ set? Assume that for both​ bonds, the next coupon payment is due in exactly six months.

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Answer:

The next  coupon rate that is needed to​ set is 5.00%

Explanation:

Solution

Recall that:

Your company presently has =$1,000 par

Coupon bonds = 6%

Maturity = 10 years

The next step is to find the coupon rate that is needed or required to set.

Now,

The number of semi annuals to maturity, NPER =  (10 YEARS * 2)= 20

Semiannual coupon payments, PMT = ($1000 * 6%/2) = $30

The current selling price per bond  (FV) = $1078

The maturity value at the end is = $1000

The semiannual compound type, = 0 (It is 0 if compounded at the end of each semiannual and is 1 if compounded at the start of each semiannual)

Semi annual interest rate is = 2.5%

Thus,

The number of semi annuals in a year is = 2

The annual coupon rate of bonds (new) = 2/50 % * 2

= 5.00%

It is important to note that the semi annual coupon rate is computed suing the excel function rate (nper, pmt, pv,  fv, type),

Whereby

PV =1078

NPR = 20

PMT =30

FV = 1000

TYPE = 0.

On January 1 of the current year, Jimmy's Sandwich Company, Inc. reported stockholders' equity totaling $122,500. During the current year, total revenues were $96,000 while total expenses were $85,500. Also, during the current year the business paid $20,000 to the stockholders. No other changes in equity occurred during the year. If, on December 31 of the current year, total assets are $196,000, the change in stockholders' equity during the year was:

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Answer:

The multiple choices are:

A decrease of $9,500.

An increase of $9,500.

An increase of $30,500.

A decrease of $30,500.

An increase of 73,500.

The correct option is  a decrease of $9,500

Explanation:

The changes in stockholders' equity is in the form of the difference between inflow to stockholders and outflow to stockholders.

Inflow to stockholders is the earnings attributable to them in form of net income while outflow is the dividends paid to them.

net income=revenues-expenses=$96,000-$85,500=$10,500

Dividends were paid to the tune of $20,000

change in stockholders' equity=$10,500-$20,000=-$9,500

In essence ,the opening balance of stockholders' equity went down by $9,500 since the net income generated of $10,500 was not enough to fund dividend payment

Answer:

Explanation:a

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