Interest rates are expressed as a percentage of the loan, the length of time before a loan must be repaid is called loan term, high risk loan typically have a high interest rate.
What is a Loan?Simply put, a loan is a debt, it can also be defined as a certain amount of money an individual collect with the intention of repayment at an agreed date.
A loan repayment come with an interest rate.
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Answer:
Interest rates are generally expressed as a(n)
✔ percentage
of the loan.
The length of time before a loan must be repaid is called the
✔ term
of the loan.
Loans that are considered to be high risk typically have a
✔ high
interest rate.
Explanation:
The theory of purchasing power parity assumes that.
PPP is a method of comparing the absolute purchasing power of currencies and, to some extent, the living standards of people in different countries.
What is purchasing power parity?Purchasing power parity (PPP) is a method of comparing the absolute purchasing power of currencies and, to some extent, the living standards of people in different countries.
It uses the prices of specific goods to compare the absolute purchasing power of currencies and, to some extent, the living standards of their people.
Therefore the above statement explains the purchasing power parity.
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Jim makes a $1,000 deposit in an account paying 4% interest per year. He would like to withdraw two equal amounts: in one year and in two years. The amount Jim should withdraw in one year such that he will have the same amount at the end of the second year is close to:
Based on the amount that Jim deposited and the interest paid per year on the account, withdrawing in two equal amounts would require an amount of $530 per year.
How much should Jim withdraw per year?Assuming the amount that can be withdrawn is x, the relevant formula would be:
(1,040 - x) x 104 = 100x
Solving for x gives:
108,160 - 104x = 100x
108,160 = 100x + 104x
108,160 = 204x
x = 108,160 / 204
= $530
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After a hurricane devastates New Orleans, a Canadian charity sends $1 million to the U.S. to help the survivors rebuild their homes. In the U.S. balance of payments, this transaction would cause the balance on the _____ account to _____
In the U.S. balance of payments, this transaction would cause the balance on the current account to increase.
What is a current account?This is a deposit account from which withdrawals are done in the bank through the use of checks.
It is also called a checking account. It helps to take care of frequent deposits as well as withdrawals that are done by cheque.
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On May 1, a two-year insurance policy was purchased for $18,000 with coverage to begin immediately. What is the amount of insurance expense that would appear on the company's income statement for the first year ended December 31
An insurance expense amounting to around $6000 would be shown in the company's balance sheet, at the end of the year on December 31.
What is insurance expense?Insurance expense refers to as an expense borne by the insured for the purpose of securing a cover against the happening of the event against which such policy has been taken.
In the given example, the insurance policy has been taken for two years for an amount of $18000 on May 1. The financial year ends on December 31. The computation for insurance expense in this year will be;
[tex]\rm Insurance\ Expense= Monthly\ Expense\ x\ No.\ of\ Months\\\\\rm Insurance\ Expense= \dfrac{\$ 18000}{24} x\ 8\\\\\rm Insurance\ Expense= \$750\ x\ 8[/tex]
Calculating further, the insurance expense for the year is calculated as $6000.
Hence, it can be stated that the insurance expense for a policy purchased on May 1 will be $6000 as on December 31.
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Which statement explains one way in which the transformation of india’s economy contradicts wallerstein’s world system theory?.
The statement that shows how India contradicts the theory is: Using a development strategy to avoid economic dependency,India develop their own industries and participate fully in the global economy.
What is the wallerstein’s world system theory?This is a theory that teaches that the world system is a social system that is made up of boundaries as well as rules.
According to the theory, there are conflicting forces that hold the system together and also tears it apart.
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Organizational _____ is considered the adoption of a new idea or behavior by an organization. Group of answer choices environment innovation change behavior
When a new idea or behavior is adopted by an organization, this is considered Organizational change.
What is organizational change?This refers to when an organization decides to adopt a new way of operation based on new ideas.
This is often necessitated by the need to become more competitive in the industry in the face of gains in market share by rivals.
In conclusion, option C is correct.
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Cartels in the United States are a. legal if price is competitively determined. b. legal if all firms in the industry agree to the terms of the cartel. c. legal if all conditions of the cartel are made public. d. illegal.
It should be noted that Cartels in the United States are D. Illegal.
What is a cartel?It should be noted that a cartel simply means an association of manufacturers with the purpose of restricting competition.
In this case, it should be noted that Cartels in the United States are illegal. This is because it gives unfair advantages to the manufacturers.
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A monopoly is a firm that sells all or nearly all of the goods and services in a given market. What determines if a firm is a monopoly producer
A monopoly is a firm that exchanges or sells all or nearly all of the goods and services in a given market. In a single market, a corporation might be considered a monopoly producer if it provides a product with no close substitutes.
What is monopoly?A monopoly is defined as one corporation holds a dominating situation in an industry or sector to the stage of omitting all other feasible competitors. Monopolies are mostly frowned upon in free-market countries.
Due to a deficiency of other choices for consumers, they are comprehended as modifying to price gouging and diminishing quality. A monopoly is an institution that sells all or almost all of a market's goods and services.
Therefore, If there is no close substitute available in the market, then the producer will be called as a monopoly producer.
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On a bank's balance sheet, the value of its assets must equal the value of its _____ Group of answer choices net worth only. its revenues plus costs. liabilities only. its liabilities plus net worth. its revenues minus costs.
On a bank's balance sheet, the value of its assets must equal the value of its liabilities plus net worth.
What can the asset be determined?A balance sheet is a financial statement that reports a company's assets, liabilities and net worth at a point in time.
According to the accounting equation: assets = liabilties + net worth
Net worth is total assets less liabilities. Assets are items owned by a person that creates future benefits. Liabilities are what are owed to another person.
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As we near the end of the development stage for SIM, I have implementation questions. How do you plan on rolling out the new SIM system
While rolling out a new sim, enough consideration need to be old customer's confidential data that is saved in the old SIM data while purchasing his/her new SIM.
What is a development stage?In a business, this stage is the initial stage in the life cycle of a new business.
Here, the business will focus on establishing itsself from market research, product development etc.
In conclusion, the abillity of a firm to perform its duties in the development stage will determines its success when its product is launched into the market.
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Which is an example of acceptable consideration in a contract?
OA. Property
O B. Love
OC. Friendship
D. Thoughtfulness
Answer:
A. Property
Explanation:
Everything else is an emotional and or thought and not measurable like property is; therefore, acceptable consideration is property.
Other things being equal, an increase in the rate of interest causes a(n): a. rightward shift of the demand for money curve. b. leftward shift of the demand for money curve. c. downward movement along the demand for money curve. d. upward movement along the demand for money curve.
Other things being equal, an increase in the rate of interest causes an upward movement along with the demand for money curve.
What is Demand curve?
In economics, a demand curve is a graph that shows the relationship between the price of a commodity and the value of that asset in that price.
Interest rates reflect borrowing costs to finance investment projects. Other things being equal, as interest rates rise, it becomes more expensive to fund investment projects.
Thus, the correct option is d. upward movement along with the demand for money curve.
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What advice have you heard or been given about buying cars?
Damian works at ulta. A customer approaches him and mentions they saw an advertisement for a new eyeshadow palette that just came out. Damian informs the customer that the store is sold out but will get a new shipment in two weeks. Damian also informs the customer the store has several eyeshadow palettes that are very similar and leads them to a product that he feels will meet their needs. Damian is engaging in _______.
By tellin the customer that he store has products that are similar to what he thinks would fulfill their needs, he is engaging in personal selling.
What is personal selling?This is the type of selling that is known as the face to face type of selling. In this type of selling, the customer would be engaged by the seller in a way that would get him to buy products.
It is a promotional type of marketing that is done to get a customer to buy a product.
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What are requirements for filing bankruptcy stable income is available to pay off payment plan debt is due to farming expenses corporation files international bankruptcy filing is based on un legislation
The requirements for filing bankruptcy stable income is due to farming expenses and stable income is available to pay off payment plan
Chapter 15- filing is based on UN legislation and corporation files international bankruptcy
What is bankruptcy stable income ?Bankruptcy stable income serves as a plan that enables individuals with regular income to repay all or part of their debts.
Therefore, bankruptcy stable income can be filled for debt is due to farming expenses
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In year 0 you buy a 2-year 4% coupon annual paying bond, with face value equal to $1000, and a YTM of 5%. After 1 year, the YTM falls to 4% and you sell the bond. What is the annualized holding period return on your investment? (choose the closest number)
Based on the face value, the YTM, and the coupon, the annualized holding period return on the bond is 6%.
What is the annualized holding period return?This can be found as:
= (Present value of bond at year zero / Present value of bond at year 1) - 1
Using a spreadsheet it would be:
= ( (PV(0.04, 1 ,-0.04*1,000, -1,000) + 0.04 x 1,000) / PV(0.04, 2, -0.04x 1,000, -1,000)) - 1
= 6%
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Tipton Manufacturing is based in Lexington, Kentucky. The company does not make the gears it uses in its products, it purchases them from a supplier in Hong Kong. Tipton Manufacturing is practicing
The fact that Tipton Manufacturing buys its products from a supplier in Hong Kong means that's it's practicing global outsourcing.
What is outsourcing?It should be noted that outsourcing simply means a business practice of hiring a party outside the company to perform a particular service.
In this case, the fact that Tipton Manufacturing buys its products from a supplier in Hong Kong means that's it's practicing global outsourcing.
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Jonah purchases a new flat screen television and declines the extended service plan. What risk management strategy is he employing
Jonah adopts the strategy of risk avoidance, to manage its risk and therefore declines the extended service plan.
What do you mean by Risk Management Strategy?The risk management strategy provides a systematic and consistent approach to risk identification, assessment and management.
Risk avoidance is a way for businesses to reduce their risk level by not engaging in certain high-risk activities. While it is impossible to eliminate all risks, a risk avoidance strategy can help prevent some losses from occurring.
Thus,the risk management strategy that Jonah is employing Risk avoidance.
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When the activity level changes, ______. Multiple select question. total variable cost changes variable cost per unit changes total variable cost remains constant variable per unit remains constant
When there is a change in activity level, then:
Total variable cost changes.Variable per unit remains constant.What happens when activity level changes?As a result of the change in activity level, the variable cost will change in total because it increases when there is an increase in number of units produced.
The unit variable cost will however remain the same as the company incurs the same variable cost per unit produced.
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If an agent permits an unlicensed employee to perform acts for which a license is required, the agent is subject to having his/her license:
A. Denied
B. Suspended or revoked
C. Withheld
D. Decertified
After product specifications are set, a company must decide whether to purchase or manufacture the parts that it needs. This is called a(n) _____ decision.
The decision for manufacturing a product or buying a product from the market is called as make or buy decision.
What is make or buy decision?When the companies has product speicifications and for various products company needs to take financial decisions is known as make or buy decision.
Under this decision process if the company is incurring less cost in making the parts of the product within the company as compared to buying the product from the market. Then the company will take make decision instead of buy decision.
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From 1970 to 2018, real per capita gross domestic product (GDP) in the United States increased by an average of ________ per year. g
From 1970 to 2018, real per capita gross domestic product (GDP) in the United States of America increased by an average of 2.7% per year.
What is real per capita gross domestic product (GDP)?Real per capita gross domestic product (GDP) can be defined as a financial metric that is used to break down the economic output of a country per person and their true income.
Mathematically, the real per capita gross domestic product (GDP) is typically calculated by dividing the a country's gross domestic product (GDP) by its population (total number of persons).
According to statistical information, the real per capita gross domestic product (GDP) in the United States of America increased by an average of 2.7% per year from 1970 to 2018.
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The demand curve intersects the natural monopolist's long-run average total cost curve at a point where long-run average total costs are still falling, due to ______.
The demand curve intersects the natural monopolist's long-run average total cost curve at a point where long-run average total costs are still falling, due to economies of scale.
What are economies of scale?Economies of scale are the advantage of the cost that the enterprise gets due to the operation's scale.
The simple meaning of economies of scale is to get more profit by doing simple things, such as buying in bulk, etc.
Scale can be increased by lowering the cost per unit of output.
Thus, the correct fill the blank is economies of scale.
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A middleman is receiving either a dollar amount or percentage difference between the average cost and the price of an individual item or of all merchandise in stock for a specific department. The amount the retailer is receiving is known in the business as a ________?.
If A middleman is receiving either a dollar amount .The amount the retailer is receiving is known in the business as a markup.
What is markup?Markup can be defined as selling price of items minus cost price of an item.
Example of the term markup is when the cost price of a shoe is $50 in which the selling price of the shioe is $100. The difference between the cost price and selling price is what is called markup.
Therefore the amount the retailer is receiving is known in the business as a markup.
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According to the cartoon, what actions of Standard Oil earned it the label "The Monopoly Monster"?
The action that made Standard Oil earned the label monopoly monster is that they control and owned about 90 percent of US oil.
What is Monopoly?Monopoly can be defined as a situation whereby a manufacturers owns and control virtually 100% market shares.
In summary, monopoly does not allow for healthy market competition.
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Of the following items, which one or ones describe items beneficial to your credit score? choose all that apply. low debt amount low debt amount short credit history length short credit history length multiple lines of credit multiple lines of credit payments are made on time
The statement that is beneficial to credit score is multiple lines of credit payments are made on time
What is Credit Score?In simply terms credit score is a record of history of how actively an inddividual services their debt or loan.
A positive credit score is advantageous in that financial institution are confident when given such a person loan
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A big project budgeted at $20 million is running over budget by $1 million and behind schedule by four months at the 50% stage of the project. Who has the primary responsibility to solve the problem
The person with the primary responsibility to solve the budget overrun and behind-schedule performance is b: The Project Manager.
Who is a Project Manager?A project manager is a professional who organizes, plans, and executes projects under tight budgets and schedules.
The roles of the project manager include:
Planning and defining goalsOrganizing and leading teamsDirecting projectsCommunicating with stakeholdersEnsuring timely delivery of projects, on budget, and within scope.Answer Options:a: The Project Champion
b: The Project Manager
c: The Project Management Office Manager
d: Senior Management
Thus, the person with the primary responsibility to solve the budget overrun and behind-schedule performance is b: The Project Manager.
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A bond that pays interest semiannually has a price of $958.56 and a semiannual coupon payment of $29.50. If the par value is $1,000, what is the current yield
The current Yield on the price of $958.56 and a semiannual coupon payment of $29.50. If the par value is $1,000 is 6.16%.
What is current Yield?Current Yield is defined as the rate of return that is yielded by a bond on its actual price, without share for the information that it will be pay off at par at maturity date.
The formula of the Current Yield is:
[tex]\text{Current Yield}= \dfrac{\text{Annual Coupon Payment}}{\text{Price Of Bond}}}[/tex]
According to the given information,
Price = $958.56
Coupon Payment = $29.50
Per Value = $1000
Current Yield = ?
Annual Coupon Payment:
[tex]\text{Annual Coupon Payment} = \text{Semi-Annual Coupon Payment} \times 2\\\\\text{Annual Coupon Payment} =\$29.50 \times 2\\\\\text{Annual Coupon Payment} = \$59[/tex]
Then apply the given values in the above formula, to get the current Yield:
[tex]\text{Current Yield}= \dfrac{\text{Annual Coupon Payment}}{\text{Price Of Bond}}\\\\\text{Current Yield}= \frac{59}{958.56}\\\\\text{Current Yield}= 0.06155\\\\[/tex]
Then the current Yield rate is:
[tex]=\dfrac{0.06155 }{14000}\\\\ =6.16\%[/tex]
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The board of directors had an important role in Luckin Coffee, but it claimed to be unaware of any problems. If true, this is an example of
If it was found that the Board of Directors for Luckin Coffee were truly unaware of any problems then this is an example of Information Asymmetry.
What would the Board of Directors be unaware of problems?The Board of Directors are meant to be the oversight body that makes sure that the management of a company are acting in the interest of shareholders.
Sadly, they aren't involved in the day-to-day running of the business so won't possess the same information that management does.
This information assymetry means that they might be unaware of when certain things go wrong as was the case with Luckin Coffee.
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The unemployment rate in a town in which 65,400 persons are employed and 11,000 are unemployed equals:
Based on the number of people that are employed and those who are unemployed in this town, the unemployment rate is 14.4%.
What is the unemployment rate?The unemployment rate can be found by the formula:
= Employed people / (Unemployed + Employed people)
Solving gives:
= (11,000) / (65,400 + 11,000)
= 11,000 / 76,400
= 14.4%
In conclusion, the rate is 14.4%.
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