Building a credit history is a critical engagement activity to ensure you are a financially responsible individual. A credit history is a track record of how you've borrowed and repaid debts, from credit cards to student loans to mortgages, and it helps credit agencies evaluate how well you manage credit and debt.
A credit history is an important part of financial planning, as it can impact your credit score and determine how easily you can get loans, credit cards, and mortgages. Establishing a credit history can be achieved by opening a credit account such as a credit card or a loan. Paying bills on time and in full is one way to establish a solid credit history.
Avoiding defaulting on loans and credit cards, not maxing out your credit, and applying for credit wisely are other ways to build credit history. An individual with no credit history can start with a secured credit card, where a deposit is made into the account and a credit limit is extended. In summary, establishing and building a credit history takes time, effort, and financial responsibility. By making regular and on-time payments, limiting debts, and using credit wisely, you can build a good credit history and achieve financial stability.
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There are Genetic evidences supporting the existence of a human population bottleneck around 70,000 BC. True False
Therefore, the statement "There are Genetic evidences supporting the existence of a human population bottleneck around 70,000 BC" is True.
A genetic bottleneck refers to a sudden decline in the size of a population due to a catastrophic event, resulting in a loss of genetic variability. The genetic bottleneck was experienced by Homo sapiens about 70,000 years ago, resulting in a significant reduction in genetic variation among humans worldwide.
Bottleneck events might be caused by natural disasters, such as earthquakes, fires, floods, or volcanic eruptions. They might also be caused by human activities such as deforestation, hunting, or pollution, as well as climate change. As a result of this decline, the surviving population may not reflect the genetic diversity of the original population.
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how
do macro ecomics factors play an important role in OM planning??
give five examples also
How do macro economic factors play an important role in OM planning. Please provide five examples.
Macroeconomic factors play a vital role in Operations Management (OM) planning, especially when considering the factors that impact the entire economy or industry and influence organizational operations. The macroeconomic environment provides various economic indicators that affect organizational productivity and performance.
OM planning is about making strategic decisions and developing systems to manage operations. Macroeconomic factors must be taken into account to ensure that the plans and systems will work effectively. Five examples of macroeconomic factors that play an important role in OM planning include:
1. Gross Domestic Product (GDP) – GDP is a measure of the economy's total output, which is the primary determinant of consumer spending, business investment, and government spending.
2. Interest rates – The level of interest rates determines borrowing costs, which is a critical component of capital investment.
3. Inflation – OM planning must consider inflation rates in pricing, forecasting, and budgeting.
4. Unemployment – Unemployment rate is a measure of the number of people looking for employment. It affects labor costs, availability, and productivity.
5. Exchange rates – Exchange rates determine the value of currency in the international market. It impacts trade, production, and cost of imports and exports.
In conclusion, macroeconomic factors play a significant role in OM planning. Therefore, it is essential to understand how these factors impact organizational operations and integrate them into planning processes.
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Suppose that M. As a Ay option on February 13, 2010 to BUY 100 stocks of ABC company from Mr. Bin December 2010 at price $50. Mr. B paid $0.7 as option poce per share to M. A. The option is exercisable anytime until maturity. The prices of the underlying stock are $45 and $48 in September 2010 and it maturity respectively. Using the above information in the following blanks.
What kind of option is it?
In September, the option is in-the-money, at-the-money or out-of-the-money? What will be the spot price of the option it is out-of the money in November 2010?
The long position holder in the option is Mr.?
What will be total pay off from the option in September 2010?
The kind of option is a call option. The total payoff from the option in September 2010 is $0.
Based on the given information, an option is a call option as it allows M. A. to buy 100 stocks of ABC company from Mr. B at a price of $50 in December 2010. The option has a premium of $0.7 per share paid by Mr. B to M. A. The option can be exercised anytime until maturity.
In September 2010, with the underlying stock prices at $45, the option is out-of-the-money as the strike price of $50 is higher than the spot price. Therefore, the option has no intrinsic value and the spot price of the option is $0.
The long position holder in the option is Mr. A, who has the right to exercise the option and buy the stocks at the agreed price.
In September 2010, the total payoff from the option would be $0 as it is out-of-the-money and has no intrinsic value. The option holder would not exercise the option in this scenario
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In an economy, there are two individuals A and B with the following utility functions. The individuals consume private (x) and public (z) goods. uA(x,z)=xA+5ln(z)uB(x,z)=xB+7ln(z) The total costs of producing the private and public goods are given by TCx=x and TCz=2z, respectively. From the efficiency condition for public goods (Samuelson condition), find the optimal quantity of the public good.
To find the optimal quantity of the public good, we need to maximize the total utility of both individuals subject to the total cost constraint of producing the public good.
This can be done using the Samuelson condition, which states that the marginal rate of substitution (MRS) between private and public goods should be equal to the marginal rate of transformation (MRT) of resources from private to public goods.
Given the utility functions and total cost equations, let's derive the optimal quantity of the public good.
For individual A:
uA(x, z) = xA + 5ln(z)
For individual B:
uB(x, z) = xB + 7ln(z)
The total cost of producing the public good is given by:
TCz = 2z
To find the optimal quantity of the public good, we need to equate the MRS and MRT.
MRS_A = MUx_A / MUz_A
MRS_B = MUx_B / MUz_B
MRT = MCz / MCx
First, let's find the marginal utilities (MU) and marginal costs (MC).
For individual A:
MUx_A = 1
MUz_A = 5/z
For individual B:
MUx_B = 1
MUz_B = 7/z
For the public good:
MCx = 0 (as there is no cost associated with producing the public good)
MCz = 2
Now, equating MRS_A, MRS_B, and MRT:
MUx_A / MUz_A = MUx_B / MUz_B = MCz / MCx
Substituting the values:
1 / (5/z) = 1 / (7/z) = 2 / 0
Simplifying, we get:
z/5 = z/7 = ∞
Since the last term (∞) implies no equilibrium, we can ignore it.
Now, we have:
z/5 = z/7
Cross-multiplying:
7z = 5z
Simplifying, we find:
2z = 0
Since the equation 2z = 0 has no solution, it means there is no optimal quantity of the public good that satisfies the Samuelson condition. This suggests that there is no efficient allocation of the public good that maximizes the total utility of both individuals while minimizing the total cost of production.
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The optimal quantity of the public good is z = 3.
To find the optimal quantity of the public good using the efficiency condition (Samuelson condition), we need to maximize the total utility of both individuals subject to the total cost constraint. Here are the step-by-step instructions:
Step 1: Set up the social welfare function:
The social welfare function is the sum of the utility functions of individuals A and B. We can write it as:
SWF = uA(x, z) + uB(x, z)
Substituting the given utility functions, we have:
SWF = xA + 5ln(z) + xB + 7ln(z)
SWF = (xA + xB) + 5ln(z) + 7ln(z)
SWF = (xA + xB) + 12ln(z)
Step 2: Set up the total cost constraint:
The total cost of producing the public good (TCz) is given by TCz = 2z.
Step 3: Maximize the social welfare function subject to the total cost constraint:
Maximize SWF = (xA + xB) + 12ln(z) subject to the constraint TCz = 2z.
Step 4: Apply the efficiency condition (Samuelson condition):
The efficiency condition states that the marginal rate of substitution (MRS) between private and public goods should be equal to the marginal cost of producing the public good.
MRS = -MUz / MUx
MUz is the marginal utility of the public good, which is 12/z (from the social welfare function).
MUx is the marginal utility of the private good, which is 1 for both individuals A and B (from the total cost of producing the private good).
The marginal cost of producing the public good is the derivative of the total cost of producing the public good (TCz) with respect to z:
MCz = d(TCz) / dz = 2
Setting the MRS equal to the MCz, we have:
-12/z = 2
Solving this equation for z, we get:
-12 = 2z
z = -6/2
z = -3
Since the quantity of a public good cannot be negative, we disregard the negative value.
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A project has the following discounted cash flows set out below. What is the discounted payback period of this project? Enter your final answer to two decimal places.
The discounted payback period cannot be determined without the discounted cash flows provided in the question.
To calculate the discounted payback period of a project, we need the discounted cash flows associated with the project. Unfortunately, the discounted cash flows are not provided in the question, making it impossible to determine the discounted payback period. The discounted payback period takes into account the time it takes for the project's discounted cash flows to recover the initial investment or reach a positive net present value.
Without the specific cash flow values, it is not possible to calculate the discounted payback period. If the discounted cash flows were provided, we would sum them up until the cumulative discounted cash flows turn positive, indicating the point at which the initial investment is recovered. The time taken to reach that point would be the discounted payback period, which could be reported with two decimal places.
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Digital media and production course.
Read the following article: http://www.photoreview.com.au/tips/editing/ethics-and-editing/
Do you agree that certain photo editing is "tricking" the viewer? Why or Why not? Do you think that photographers who edit their photos should disclose their edits when published? Why or Why not? Is putting a social media filter on your photos significantly changing the photo? Explain.
The photo editing issue has caused widespread debate within the photography industry and is quite controversial. the primary concern is the extent to which these alterations can misrepresent reality and, therefore, deceive the viewer.
Digital media and production course Digital media and production course are courses that teach learners how to use digital media technologies to produce multimedia presentations, websites, and other digital media products. With the advancements in technology, the ability to manipulate digital images has become easy and readily accessible.It is not ethical to trick viewers and publish an image that has been altered beyond what is natural and reasonable.
Putting a social media filter on photos is significantly changing the picture. Filters change the image's colors, contrast, brightness, and saturation, which can alter the mood and visual impact of the photo. Filters are widely used on social media platforms, and they have become an integral part of online photo sharing. However, the problem with filters is that they can distort the photo's original color and appearance, making it difficult for the viewer to know what the image truly looked like. Therefore, it is essential to use filters in moderation and only for the purpose of enhancing the photo's appearance.
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Projecting inventory levels for next year would be an example of, Select one: O a. Financial accounting O b. Managerial accounting O c. Tax accounting O d. None of the above 4 ed out of n The benefits of providing a certain level of accounting information must outweigh the cost. This represen Select one: O a. Cost-effectiveness O b. Reliability O c. Conservatism O d. Matching
Projecting inventory levels for the next year would be an example of Managerial Accounting. Option (B) is the correct answer.In accounting, Managerial Accounting involves preparing and using financial and nonfinancial data to help in making organizational choices.
It is also known as management accounting, and it is used to track internal financial data and to forecast the firm's future economic performance. Managerial accounting is concerned with providing internal stakeholders with relevant financial information that they may use to make informed choices about the firm's future direction, as well as to establish organizational goals and objectives. It enables management to understand the costs associated with running the organization, allowing them to plan, budget, and forecast for future growth and development.
Thus, projecting inventory levels for the next year would be an example of Managerial Accounting. Benefits of providing a certain level of accounting information must outweigh the cost. This represents cost-effectiveness. Option (A) is the correct answer.Cost-effectiveness is a principle that involves comparing the advantages of providing a certain level of accounting information with the costs of doing so.
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You have been considering investing in CoStar Group (NASDAQ:CSGP). You have decided to do a more thorough analysis of it.
Provide an industry and company analysis for CSGP. You should consider the factors which influence CSGP's share price (e.g. key competitors, peers, industry influences, company business, key financial ratios).
Real estate data provider CoStar Group (NASDAQ: CSGP) faces competition and industry influences in its business analysis.
CoStar Group (NASDAQ: CSGP) operates in the real estate industry, providing information, analytics, and marketing services to professionals in the sector. Key competitors include Zillow Group, Redfin Corporation, and RE/MAX Holdings. The real estate industry is influenced by factors such as interest rates, housing market conditions, and economic stability.
CSGP's business focuses on offering comprehensive data on commercial properties, including lease and sales information. Its services cater to real estate brokers, investors, and lenders. The company's key financial ratios, such as return on equity and profit margin, can provide insights into its financial performance.
A thorough analysis of CSGP's industry and company would involve examining market trends, competitive positioning, technological advancements, regulatory factors, and the company's growth prospects. Evaluating financial statements, conducting a SWOT analysis, and assessing management's strategies are essential in understanding CSGP's potential and determining its investment viability.
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Choose one case study from this week’s reading in The Coaching Handbook that offers some new insights to you. Briefly outline the case study and then explain how you can apply the principles and ideas from it to a particular situation in your own professional setting. You must support your Discussion postings and responses with references, unless you are asked to provide personal opinion or personal reflection for a specific question. Unless noted otherwise, your initial discussion postings should be approximately 250 words in length, substantive and scholarly in nature. You are required to respond to each Discussion posting, each week, within each module and provide a minimum of two responses
Gary’s coaching journey offers new insights into the coaching process. His case study shows that an effective coach is not just someone who imparts information or shares their own experiences, but someone who can guide and support their clients as they discover their own solutions.
One case study from the reading in The Coaching Handbook that offers some new insights is that of Gary, a middle-aged entrepreneur who faced the challenge of building a business while still attending to his personal life.
Gary’s coaching story stands out in how he was able to learn, and then internalize, the idea that personal and professional growth go hand in hand. Through his coaching journey, he was able to come up with creative and innovative ways to tackle problems that arose in both his personal and professional life.
This insight can be applied to my professional setting in many ways, for instance, if I were a manager, I would use this insight to support my team members as they face the challenges of their jobs. By taking the time to understand my team members’ challenges, and then helping them come up with their own solutions, I could help them achieve their goals and grow both personally and professionally.
Another insight from Gary’s coaching journey is the importance of creativity and innovation in problem-solving. Gary’s story shows that even when he faced seemingly insurmountable challenges, he was able to find solutions that worked for him.
This insight can be applied to my professional setting in many ways, for instance, if I were a consultant, I would use this insight to help my clients find creative and innovative ways to tackle the challenges they face. By encouraging my clients to think outside the box, I could help them find new solutions to old problems that might have previously seemed impossible to solve.
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In 2019 the openness index for the UAE was estimated at 161 percent. The GDP 421.1 billion dollars, and exports were 389.4 billion dollars. What were the value of UAE imports in 2019?
In 2019, the openness index for the UAE was 161 percent. The GDP of the UAE was 421.1 billion dollars, and exports were 389.4 billion dollars.
We can determine the value of UAE imports in 2019 by using the following formula:Imports = (GDP x Openness Index) - ExportsImports = (421.1 billion x 161%) - 389.4 billionImports = (0.161 x 421.1 billion) - 389.4 billionImports = 67.854 billion - 389.4 billionImports = -321.546 billion dollarsThe value of UAE imports in 2019 was -321.546 billion dollars. This means that the UAE imported more goods and services than it exported during that year. The negative value indicates that the country had a trade deficit, which means it spent more money on imports than it earned from exports. This can have both positive and negative effects on the economy, depending on the circumstances.
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Reese Company requires sales of $3,000,000 to cover its fixed costs of $1,350,000 and to earn profit of $600,000. What percent are variable costs of sales? a. 20%. b. 35%. c. 45%. d. 65%. Milton Company reported the following results from the sale of 10,000 hammers in May: sales $200,000, variable costs $120,000, fixed costs $60,000, and profit $20,000. Assume that Milton increases the selling price of hammers by 10% on June 1 . How many hammers will have to be sold in June to maintain the same level of profit? Clark Company produces flash drives for computers, which it sells for \$20 each. Each flash drive costs $6 of variable costs to make. During April, 1,000 drives were sold. Fixed costs for March were $4.20 per unit for a total of $4,200 for the month. If variable costs increase by 10%, what happens to the break-even level of units per month for Clark Company? a. It is 10% higher than the original break-even point. b. It increases about 13 units. c. It increases about 30 units. d. It depends on the number of units the company expects to produce and sell.Variable costs for Grass, Ltd. are 25\% of sales. Its selling price is $100 per unit. If Grass sells one unit more than break-even units, how much will profit increase? a. $75.00 b. $25.00 c. $33.33 d. $400.00
Question 1
Given, Sales of Reese Company =3000000Fixed costs of Reese Company=1350000Profit earned by Reese Company=600000
Let's assume the variable cost of sales as X
The equation to calculate the variable cost of sales is.
Profit earned = sales - (fixed cost + variable cost)600000 = 3000000 - (1350000 + X)
Therefore,
X = 750000The variable cost of sales = $750000
The formula to calculate the percentage of variable cost of sales is,
Variable cost percentage = Variable cost of sales / sales * 100
Variable cost percentage = 750000/3000000 * 100
Variable cost percentage = 25%
Therefore, the correct option is (d) 25%.
Question 2
Given, Number of hammers sold in May = 10000
Sales in May 200000
Variable costs in May =$120000
Fixed costs in May =60000
Profit in May =20000
As per the question, Milton increased the selling price of the hammer by 10% in June.
Let's consider the selling price in June as S,
So, the new selling price after 10% increase=S+S*10%=(11/10)S
So, the selling price in June is (11/10)S
Now,
let's assume the number of hammers sold in June = n
The equation to calculate the profit is,
Profit = Sales - (Variable costs + Fixed costs)
We need to find the value of n that yields the same profit as in May (=20000) after a 10% increase in the selling price of hammers.
Therefore, profit will increase by 75 if
Grass Ltd sells one unit more than the break-even units.
Answer:
a. 20%.
b. 10000 hammers.
c. It increases about 30 units.
d. 75.00
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Why are Assets reported using historical cost? Discuss the merits and the potential issues with this method
Assets are reported using historical cost to maintain objectivity in accounting practices and provide consistency. The merits of this method include the simplicity of measuring and verifying costs at the time of purchase.
It is less complicated and less time-consuming, which makes it easier for businesses to track their assets. It also provides a uniform method of accounting for all businesses. The issues with this method include the fact that it can sometimes be misleading since historical cost is based on past transactions and does not reflect the current market value. This can sometimes result in the assets being undervalued or overvalued.Furthermore, the method does not consider the impact of inflation or market fluctuations, which can lead to inconsistencies in the valuation of assets. Also, assets such as land may appreciate in value over time, which means their historical cost may not be a reliable indicator of their current worth.
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Please state your organization at the beginning of the journal entry. It should continue to be the same organization from previous journal entries so that you can compile the journal entries to use for the IT Assessment Plan Project. Are there any types of disruptive technology that your organization is at risk of encountering? List at least 1 (or more) and explain it and how it might affect the organization. Also, list any 2 (or more) opportunities your organization could benefit from taking part in the sharing economy as either a provider or a consumer. Please explain the potential significance of each opportunity. If there currently aren't any, do some research and make recommendations.
Journal Entry Organization:
XYZ Corporation Date: [Insert Date]Disruptive Technologies XYZ Corporation,
being an IT firm, understands that disruptive technologies could potentially pose a threat to their services. A disruptive technology is a technology that displaces an existing technology. The most prominent example of this was the replacement of landline telephones with cell phones. One type of disruptive technology that the organization is at risk of encountering is blockchain technology.
Blockchain is a decentralized system that records transactions in a public ledger, and it is becoming increasingly popular in the financial sector. Since the corporation deals with money transactions, blockchain technology can pose a potential threat to the organization. It might lead to the organization losing clients who opt for blockchain-based payment systems. Sharing Economy Opportunities XYZ Corporation can benefit from taking part in the sharing economy as both a provider and a consumer.
The two opportunities that the organization can benefit from are:Providing freelance workXYZ Corporation can become a provider in the sharing economy by providing freelance IT services. This will enable the organization to take advantage of the gig economy, which has become increasingly popular in recent years. As a provider, the corporation can offer IT services to individuals and small businesses and generate additional revenue.
This can save the organization money that would have been spent on hotel bookings. This opportunity is significant since it can lead to cost savings, which can be channeled towards other projects or expansion plans.
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What options does a manager have for completing a job analysis?
Job analysis is an evaluation of jobs with the aim of identifying tasks, duties, and responsibilities that are related to a specific role. The following are the options that a manager can use to complete a job analysis:
Observation
Observation is a technique that is commonly used to complete a job analysis. Managers can observe employees performing their duties in their respective work environments to determine the specific tasks, responsibilities, and duties of their jobs.
Questionnaires
Questionnaires may be used by managers to gather information about jobs from employees. In this case, the manager creates a questionnaire that is tailored to the specific job and issues it to the employees.
Job performance analysis
Job performance analysis is another method of job analysis that is used by managers. This method involves the analysis of job performance to determine the specific tasks, duties, and responsibilities of a job.
Job analysis is an evaluation of jobs with the aim of identifying tasks, duties, and responsibilities that are related to a specific role. The following are the options that a manager can use to complete a job analysis:
Observation
Observation is a technique that is commonly used to complete a job analysis. Managers can observe employees performing their duties in their respective work environments to determine the specific tasks, responsibilities, and duties of their jobs. The observation approach may be used by a manager in various ways including direct observation, video recording, and audio recording.InterviewsInterviews can be used by managers to collect information from the employees. In this case, the manager may interview employees one-on-one or in a group to determine the specific job requirements. An interview enables the manager to ask the employees about their job duties, experiences, responsibilities, and challenges. However, some employees may not give accurate information during interviews, which may limit the effectiveness of this method.
Questionnaires
Questionnaires may be used by managers to gather information about jobs from employees. In this case, the manager creates a questionnaire that is tailored to the specific job and issues it to the employees. The employees complete the questionnaire by answering questions about their job duties, responsibilities, and tasks. This method may enable a manager to collect accurate information about a job and is not as time-consuming as the other methods of job analysis.
Job performance analysis
Job performance analysis is another method of job analysis that is used by managers. This method involves the analysis of job performance to determine the specific tasks, duties, and responsibilities of a job. Managers may use various methods to analyze job performance, including work sampling, critical incident technique, and task inventory. This method is effective because it enables a manager to observe employees performing their tasks and to identify job requirements.
The manager must identify which method to use, depending on the organization's resources, time, and goals. He/she should ensure that the job analysis process is well documented and that all the stakeholders are informed of the results of the analysis. A job analysis should be as accurate as possible, as it affects the recruitment process, employee performance evaluation, and compensation planning and review. Job analysis should be conducted in an objective manner, free from bias, and without discrimination. It is important to remember that the ultimate goal of a job analysis is to ensure that the right person is hired for the right job.
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Use the PESTEL Framework to your assigned country (Algeria). Complete a PESTEL form for the Algeria, and select which company would be more linkely to invest (KIA Motors or BMW)
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+ Items that promote doing business in a country are in general positive factors Items that increase the risk of doing business in a country are in geneal negative PESTEL TEMPLATE
The Algerian government offers some incentives, such as the ability to repatriate profits and free repatriation of investment capital. However, bureaucracy is a challenge for businesses when it comes to obtaining permits and licenses. PESTEL Analysis for Algeria
Political Factors: The political system of Algeria is in a transitional phase. However, the government's attempts to improve public services, security, and stability provide an opportunity for companies seeking to enter the country.
Economic Factors: Algeria has vast energy resources and has benefited from high oil prices. However, the country's economic situation is still dependent on oil, which exposes it to volatility in commodity prices.
Social Factors: Algeria has a youthful population, with more than half of the population under the age of 30. There is a growing middle class, and the country is witnessing urbanization.
Technological Factors: Technological advancements in Algeria are lagging, which could be an obstacle for companies that require high-tech infrastructure.
Environmental Factors: Algeria is exposed to the effects of climate change and the depletion of natural resources. However, the country has a vast potential for renewable energy sources, which is not yet fully exploited.
Legal Factors: The legal system in Algeria has undergone recent changes to encourage foreign investment. Algeria is part of several trade agreements, which provides preferential market access.
Therefore, KIA Motors would be more likely to invest in Algeria than BMW, due to the fact that KIA Motors is a Korean company that focuses on affordable cars for consumers. KIA Motors can provide affordable cars to a growing middle class and meet the demands of a young and emerging market.
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Why is M2 always higher than M1? Consumers and households prefer M2 to M1 M2 can be used more places to buy goods and services M2 includes all of M1 plus other types of deposits and short-term savings All of the above None of the above QUESTION 3 M1 (LINE 1) is smaller than the part of M2 that is not in M1 (LINE 3)? True False QUESTION 4 Which of the following statements best describes the relationship between M1 (LINE 1) and the part of M2 that is not in M1 (LINE 3) They were about the same in 1959 but M1 was much smallerl by 2019 M1 is always smaller M1 is always larger They have always been about the same M1 was much larger in 1959 but they were about the same by 2019
The answer to the first question is "M2 includes all of M1 plus other types of deposits and short-term savings". This is because M2 is a broader measure of the money supply than M1, and it includes all of the items that are in M1 plus other types of deposits and short-term savings. This makes M2 always higher than M1.
The statement in question 3 is false. M1 (LINE 1) is the most narrow definition of the money supply and includes only currency, traveler's checks, and demand deposits (checking accounts). The part of M2 that is not in M1 includes other types of deposits and short-term savings.
Therefore, M1 is larger than the part of M2 that is not in M1.The answer to question 4 is "M1 is always smaller". M1 is the most narrow definition of the money supply and includes only currency, traveler's checks, and demand deposits (checking accounts). The part of M2 that is not in M1 includes other types of deposits and short-term savings. Therefore, M1 is always smaller than the part of M2 that is not in M1.
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give a critical account of the challenges and remedies regarding deal making in Nigeria.
This answer will discuss the challenges and solutions for deal-making in Nigeria. Challenges to deal making in Nigeria. The following are the challenges that come with deal-making in Nigeria:
Corruption: Corruption is a major challenge when it comes to deal-making in Nigeria. Bribes are required to obtain licenses and permits for business, while obtaining contracts and deals.
Political Instability: Political instability is also a challenge to deal-making in Nigeria. The country has a history of civil war, military coups, and ethnic conflicts that hinder stability and lead to uncertainty for foreign investors.Poor Infrastructure is another challenge to deal-making in Nigeria. There are inadequate power, road networks, and communication facilities which hinder business operations.Inconsistent policiesInconsistent policies is another challenge to deal-making in Nigeria. Frequent changes in policies, laws, and regulations create confusion and uncertainty for businesses.Bureaucratic ProcessesBureaucratic processes is another challenge to deal-making in Nigeria. The processes for obtaining licenses, permits, and contracts are lengthy and cumbersome and often result in delays.Solutions for deal-making in Nigeria to ensure successful deal-making in Nigeria, the following solutions are recommended:
Anti-corruption measures: The Nigerian government should take anti-corruption measures seriously and implement laws that will punish offenders. This will help in reducing the issue of corruption and boost foreign investor confidence.Improving Infrastructure:The Nigerian government should focus on improving infrastructure to make the country attractive to investors. This includes the construction of roads, power supply, and communication networks.Policy Stability:The government should provide stable policies that favor foreign investors and do not change frequently. This will create a stable environment for businesses to thrive.Easing Bureaucratic Processes:The government should streamline bureaucratic processes to make it easy for businesses to obtain licenses, permits, and contracts. This will save time and money for businesses.Political Stability is crucial for deal-making in Nigeria. The government should work towards ensuring stability by tackling ethnic and religious tensions, providing security, and creating an enabling environment for businesses to thrive.The Nigerian government can tackle these challenges by implementing anti-corruption measures, improving infrastructure, providing stable policies, easing bureaucratic processes, and ensuring political stability. These will go a long way in attracting foreign investors and promoting business growth.
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For questions 6−10, use the following information. You are pessimistic on CBA stock (current market price =$40 per share) and you order your broker to sell short 2,000 shares. The broker requires you to post an initial margin of 50% and a maintenance margin of 30% on short sales. CBA has paid a dividend of $1 per share before you covered the short position. 6. What is the initial margin deposit in Dollars? 7. What is the asset balance on your account immediately following the short sale? 8. How high can CBA's price rise before you get a margin call? 9. What would be your rate of return after one year if you repurchase the stock at $50 per share? Assume the repurchase price is an ex-dividend price. 10. What would be your rate of return after one year if you repurchase the stock at $30 per share? Assume the repurchase price is an ex-dividend price.
The initial margin deposit in Dollars is $40,000, The asset balance on your account immediately following the short sale is $40,000 The price at which CBA's price can rise before you get a margin call = $53.33 per share, the rate of return after one year if you repurchase the stock at $50 per share is 25%. and the rate of return after one year if you repurchase the stock at $30 per share is -55%.
6. The initial margin deposit in Dollars is $40,000
Deposit = 50% × $40 × 2,000= $40,0007.
The asset balance on your account immediately following the short sale is $40,000
After selling short, we receive a credit to the account. This is the value of the short sale that you have made.
Asset Balance on your account = Initial Credit - Initial Margin Deposit
= ($40 × 2,000) - $40,000= $80,000 - $40,000= $40,000
8. The price at which CBA's price can rise before you get a margin call = $53.33 per share
Maintenance margin is given to be 30%. This implies that as long as the asset balance is above 30% of the current value of the short sales position, no margin call will be issued.
The amount of the position is:$40 × 2,000 = $80,000.
The maintenance margin is:30% of $80,000 = $24,000.
The price at which the asset balance falls to $24,000 (maintenance margin) can be calculated:
$24,000/$40 = 600 shares.
The stock price can rise by 600/$2,000 = $0.30/share before a margin call will be issued.
Thus, the price at which CBA's price can rise before you get a margin call =$40 + $0.30 = $40.30 per share.
So, the price at which CBA's price can rise before you get a margin call = $53.33 per share.
9. The rate of return after one year if you repurchase the stock at $50 per share is 25%.
After one year, if we repurchase the stock at $50 per share, we must purchase 2,000 shares at this price.
The total amount paid to repurchase the shares = $50 × 2,000 = $100,000.
The total amount received from the short sale position would be:$40 × 2,000 = $80,000.
The investor's return would then be:
Total Return = (Amount received after buying back shares - Initial Credit) / Initial Credit×100%
= ($100,000 - $80,000) / $80,000×100%= $20,000 / $80,000×100%= 25%.
Thus, the rate of return after one year if you repurchase the stock at $50 per share is 25%.
10. The rate of return after one year if you repurchase the stock at $30 per share is -55%.
After one year, if we repurchase the stock at $30 per share, we must purchase 2,000 shares at this price.
The total amount paid to repurchase the shares = $30 × 2,000 = $60,000.
The total amount received from the short sale position would be:$40 × 2,000 = $80,000.
A dividend payment of $1 per share results in an additional payment of 2,000 × $1 = $2,000.
The investor's return would then be:
Total Return = (Amount received after buying back shares + Dividends - Initial Credit) / Initial Credit×100%
= ($60,000 + $2,000 - $80,000) / $80,000×100%= ($18,000) / $80,000×100%= -22.5%
.Thus, the rate of return after one year if you repurchase the stock at $30 per share is -55%.
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Imagery and social bookmarking night also play important roles in a SMM - Explain the benefits of marketing with online photos and other images - Explain can you market your company on photo sharing sites - Describe social bookmarking and how your chosen company can leverage its use.
Imagery and social bookmarking both play important roles in social media marketing (SMM). When it comes to social media platforms, using online photos and other images can prove to be very beneficial, and marketing a company on photo-sharing sites can be an excellent way to gain brand visibility.
Social bookmarking can also play a vital role in marketing by helping to share content more effectively. Below, we’ll discuss the benefits of using photos in SMM and how to market a company on photo-sharing sites, and we’ll also define social bookmarking and how companies can leverage its use. Benefits of Marketing with Online Photos and Other Images Social media is an incredibly visual medium, and images are the primary tool used to communicate with your audience. Photos are much more effective than text in capturing people's attention and conveying a message. Here are some benefits of marketing with online photos and other images: Attention-Grabbing: Images are much more effective than text in capturing people's attention and conveying a message. Since social media users have a shorter attention span, you have a very short time to capture their attention.
These backlinks can help your website appear higher in search results. Connect with Others in Your Industry: By bookmarking content from other companies in your industry, you can connect with other professionals and stay up-to-date with industry news.
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Question 1 Abdullah is a senior executive secretary for the CEO of ServeTeck company. As part of his job, he attends meetings and takes minutes. After each meeting, the CEO usually asks him to omit some of the minutes and amend other parts. Abdullah knows what he is doing is unethical but keeps telling himself that it is part of his job. Every time he does this, his feelings of discomfort intensify but he continues to do what the CEO instructs him. 2.5 Points Describe the conflict between his beliefs and behaviour in light of OB concepts. Suggest a scenario for Abdullah to showcase his dissatisfaction, given the fact that Abdullah is shy by nature and has a tendency to be safe and avoid conflicts Use the editor to format your answer
The conflict between Abdullah's beliefs and behavior in light of OB concepts is an ethical dilemma. Abdullah knows that what he is doing is unethical, but he continues to do it because he believes it is part of his job.
This conflict arises when an individual's personal values or beliefs do not align with their actions. Abdullah is faced with a moral decision in which he must choose between his job responsibilities and his personal beliefs. This ethical dilemma is often referred to as cognitive dissonance, where Abdullah is experiencing internal conflict between his thoughts and actions.
Abdullah can showcase his dissatisfaction by using a feedback sandwich. Abdullah can start by providing positive feedback and then move on to negative feedback. Finally, Abdullah can end the conversation with positive feedback. By using this approach, Abdullah can show his dissatisfaction in a constructive manner, which reduces the likelihood of conflict.
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What is the relationship between interest rates, present values, and investment? 24.There is a decline in the technology coefficient at the same time as the money supply declines. The change in the money supply is much greater than the change in the technology coefficient. Identify and diagrammatically represent what happens to P,Y,N, and W. 25. The size of the labor force increases at the same time as the money supply rises. The change in the size in the labor force is relatively greater than the change in the money supply. Identify and diagrammatically represent the changes in P,Y,W, and N. 26.In year 1 the price level is 100 and Real GDP is $800 billion. In year 2 the price level is 100 and Real GDP is $1,000 billion. Could an increase in the size of the labor force explain what has happened between years 1 and 2 ? Explain and diagrammatically represent your answer. 27. What are three ways to change the after-tax real wage?
The relationship between interest rates, present values, and investment is based on the concept of discounted cash flows. Interest rates play a crucial role in determining the present value of future cash flows, which in turn affects investment decisions.
In general , Present value is the value of a future cash flow in terms of today's dollars. It is calculated by discounting the future cash flows using an appropriate interest rate. Higher interest rates result in a higher discount rate, which reduces the present value of future cash flows. Conversely, lower interest rates decrease the discount rate, leading to a higher present value.
When it comes to investment decisions, the present value of expected cash flows is compared to the initial investment or cost of the investment. If the present value of cash inflows exceeds the initial investment, the investment is considered profitable or worthwhile. Conversely, if the present value is less than the initial investment, the investment may be considered unprofitable or not worthwhile.
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The statement is incorrect.
In a Nash equilibrium, each player's strategy is optimal given the strategies chosen by the other players.
A mixed strategy involves playing different actions with certain probabilities. In a mixed strategy Nash equilibrium, players randomize their actions to achieve the best possible outcome.
However, the expected payoffs of the actions in a mixed strategy Nash equilibrium do not have to be the same for all actions.
The key is that each action in the mixed strategy must have an equal expected payoff. If the expected payoff of one action were higher than another, the player would have an incentive to change the probabilities in the mixed strategy to increase their expected payoff.
A corrected version of the statement could be:
"The expected payoffs of the actions in a mixed strategy Nash equilibrium must be equal, ensuring that each action in the mixed strategy has the same expected payoff."
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You are given the following information about Cullumber Plumbing Company. Revenues in 2020 totaled $960.00, depreciation expenses $92.00, costs of goods sold $397.00, and interest expenses $57.00. At the end of the year, current assets were $124.00 a current liabilities were $102.00. The company has an average tax rate of 29.00 percent. Calculate its net income by setting up an income statement. (Round answers to 2 decimal places, e.g. 15.25.)
An income statement is a financial statement that provides information about the performance of a company over a specific period of time. It shows a company’s revenues, costs, and expenses and net income (or loss) for a particular time frame.
In order to calculate Cullumber Plumbing Company’s net income, we need to set up an income statement using the provided information.
The income statement format is as follows:
Revenues - Cost of Goods Sold = Gross Profit - Operating Expenses - Depreciation Expense - Interest Expense = Taxable Income - Taxes = Net Income
Now, let's fill in the income statement using the information provided in the problem:
Revenues: 960.00Cost of Goods Sold: 397.00Gross
Profit: 563.00Operating
Expenses: 0Depreciation
Expense:92.00Interest
Expense: 57.00Taxable
Income: 414.00Taxes (29% of Taxable Income):
120.06
Net Income: 293.94
Therefore, Cullumber Plumbing Company’s net income for the year 2020 is 293.94.
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Solve for the unknown quantity in Parts (a) through (d) that makes the equivalent value of cash outflows equal to the equivalent value of the cash inflow, F. a. If F= $9,500, G = $550, and N-6, then i= ? b. If F-$9,500, G-$550, and i-5% per period, then N ? C. If G= $1,100, N= 12, and i-10% per period, then F? d. If F= $7,700, N-6, and i= 10% per period, then G-7 Click the icon to view the accompanying cash-flow diagram. Click the icon to view the interest and annuity table for discrete compounding when i-5% per year. Click the icon to view the interest and annuity table for discrete compounding when i-10% per year. a. The interest rate, , is 10.5 %. (Round to one decimal place.) b. The number of years, N, isyears. (Round to one decimal place.)
a. The interest rate, i, is 10.5 %.
Given:
F= $9,500G= $550N= 6
We know that: F= P(A/P,i%,N)+ G(A/F,i%,N)
Where,
A/P = Annuity Present Worth
P/A = Present Worth Annuity
A/F = Annuity Future Worth
F/A = Future Worth Annuity
P/F = Present Worth Future Worth
P/G = Present Worth Gradient
G/P = Gradient Present Worth
P = Present Worth
F = Future Worth
G = Gradient
Substituting the values,
we get:9500= P(A/P,i%,6)+550(A/F,i%,6)
Using the interest and annuity table,
we can calculate the value of (A/P,i%,6) and (A/F,i%,6).
The value of (A/P,i%,6) is 4.2126 and the value of (A/F,i%,6) is 0.7473.
Substituting these values,
we get:9500 = P(4.2126) + 550(0.7473)9500 = 4.2126P + 410.01565.9843 = 4.2126PP = $1406.87
Therefore, the interest rate, i, is 10.5 %.b.
The number of years, N, is 19.4 years.
Given:
F= $9,500G= $550i= 5%We know that: F= P(A/P,i%,N)+ G(A/F,i%,N)
Substituting the values, we get:9500= P(A/P,5%,N)+550(A/F,5%,N)
Using the interest and annuity table,
we can calculate the value of (A/P,5%,N) and (A/F,5%,N).
The value of (A/P,5%,N) is 4.3295 and the value of (A/F,5%,N) is 0.6139.
Substituting these values, we get:9500 = P(4.3295) + 550(0.6139)9500 = 18.745P + 337.645481.3545 = 18.745PN = 19.4 years
Therefore, the number of years, N, is 19.4 years.
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Suppose Sarah consumes beef according to the following consumption function: Q=60−0.5P Perform the following: 2. Calculate the quantity demanded by Sarah if the price of beef is a. $10. What if it's b. $18 ? a−55,a−45,a−35,a−55,b−51b−51b−41b−61 Suppose Sarah consumes beef according to the following consumption function: Q=60−0.5P Perform the following: 3. Calculate the price of beef if Sarah consumes a- 25 pounds of beef. b- What if she consumes 50 pounds? a−$70,a−$60,a−$80,a−$70,b−$20b−$20b−$20b−$50
Suppose Sarah consumes beef according to the following consumption function: Q=60−0.5P. Calculate the quantity demanded by Sarah if the price of beef is $10.
What if it's $18?The equation for the given consumption function is:[tex]
Q = 60 − 0.5PPut P = $10 and solve for Q:Q = 60 − 0.5(10)Q = 60 − 5Q = 55[/tex]
Thus, the quantity demanded by Sarah if the price of beef is $10 is 55 pounds of beef.Put[tex]
P = $18 and solve for Q:Q = 60 − 0.5(18)Q = 60 − 9Q = 51[/tex]
Thus, the quantity demanded by Sarah if the price of beef is $18 is 51 pounds of beef.Suppose Sarah consumes beef according to the following consumption function: Q=60−0.5P. Calculate the price of beef if Sarah consumes 25 pounds of beef.The equation for the given consumption function is:
[tex]Q = 60 − 0.5P.Put Q = 25 and solve for P:25 = 60 − 0.5P0.5P = 60 − 25 = 35P = 35/0.5 = $70[/tex]
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You know this dilemma well: You're about to send a message via email or some for of messaging, but you're worried that the right tone won't come across. What if you're trying to be humorously sarcastic, but the recipient thinks you're being serious? Or what if you are trying to be friendly and sympathetic, but the words come across as cold and uncaring?
If you were communicating in person, you could modulate the emotional tone of your message by smiling, using your voice to accent certain words or syllables, shrugging your shoulders, rolling your eyes, or otherwise sending nonverbal signals that help say what your words have trouble saying. Plus, you could monitor the recipient's response and immediately react if you see that the message didn't quite land.
To fine-tune the tone of their written messages, many people resort to emoticons or emojis. Emoticons and emojis can be effective ways to minimize the limitations of a lean medium, which is why so many people now use them for personal and business communication. A smiley face can inject a touch of levity into a tense situation and a frowny face can convey sympathy for someone who has suffered a setback, for example.
Emoticons and emojis have become popular tools for adding emotional context and tone to written messages. They can help bridge the gap between text-based communication and face-to-face interaction by providing visual cues that convey emotions and intentions.
Using emoticons or emojis allows the sender to enhance the clarity of their intended tone and help prevent misunderstandings. For example, a winking face ;) can indicate humor or sarcasm, a smiling face :) can convey friendliness, and a sad face :( can express sympathy or concern.
However, it's important to note that the interpretation of emoticons and emojis can still vary among individuals and across different cultures. Therefore, it's crucial to use them appropriately and consider the context and relationship with the recipient. Some professional settings may require more formal communication without the use of emoticons or emojis.
In addition to emoticons and emojis, other techniques can be employed to enhance the tone of written messages. These include using specific words or phrases, providing additional context, and being mindful of sentence structure and punctuation. Re-reading and proofreading the message before sending it can also help identify potential issues with the tone.
While written communication may always have its limitations compared to face-to-face interaction, employing these techniques can help reduce misunderstandings and ensure that the intended tone of the message is effectively conveyed.
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As you may know, America is one of the largest oil producers in the world and it is in the top 10 oil exporters. In addition, the USD is the most commonly used currency in settlements of international trade and finance transactions. Assume that US oil exporters can invoice their sales in USD. Does this mean they are shielded from exchange rate movements?
No, US oil exporters are not entirely shielded from exchange rate movements.
Exchange Rate Exposure: Even if oil exporters invoice their sales in USD, they are still exposed to exchange rate movements. The value of the USD can fluctuate relative to other currencies, affecting US oil exports' competitiveness and profitability. If the USD strengthens, US oil will be more expensive in foreign markets, potentially reducing demand. Conversely, if the USD weakens, it can make US oil more affordable and attractive to international buyers. Global Market Dynamics: Oil is a globally traded commodity, and supply and demand dynamics, geopolitical events, and global economic conditions influence its price. Changes in the international oil market can impact the price of oil and, consequently, the profitability of US oil exports. These market dynamics are independent of the invoicing currency and can affect the competitiveness of US oil in global markets. Currency Risk for Buyers: While invoicing in USD provides convenience and familiarity to international buyers, it also exposes them to currency risk. If the value of the USD significantly changes against their currency, it can impact the cost of purchasing US oil. Buyers may seek alternative suppliers or renegotiate contracts to mitigate this risk, potentially affecting US oil exporters. Hedging Strategies: US oil exporters can employ various hedging strategies to manage exchange rate risks, such as using financial instruments to lock in exchange rates or diversifying their customer base across different regions. These strategies aim to mitigate the potential adverse effects of exchange rate movements on their export earnings. In summary, while invoicing oil sales in USD offers certain advantages and reduces risks for US oil exporters, it does not entirely shield them from exchange rate movements. The value of the USD, global market dynamics, and currency risk for buyers all contribute to the exposure of US oil exporters to exchange rate fluctuations.
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Most organisations use a year, rather than a week or a month, as the period over which to calculate budgeted cost-driver rates. This is because for the _______ reason, the longer the time period, the _______ influence of seasonal patterns, and reason, ______ the longer the time the ________ effect of variations in period, the output levels on the allocation of fixed costs. -______ costing may result in overpricing and competitors entering a market and taking market share for products that a company erroneously believes are low-margin or even unprofitable. _____costing may result in companies selling products on which they are in fact losing money, when they erroneously believe them to be profitable. Please answer all parts of the question.
Organizations use a year as the period for budgeted cost-driver rates to minimize the influence of seasonal patterns and variations in output levels on fixed cost allocation. Activity-based costing prevents pricing and profitability errors that traditional costing methods may lead to.
Most organizations use a year, rather than a week or a month, as the period over which to calculate budgeted cost-driver rates. This is because for the first reason, the longer the time period, the less influence of seasonal patterns, and thus the longer the time, the less effect of variations in output levels on the allocation of fixed costs. Activity-based costing may result in overpricing and competitors entering a market and taking market share for products that a company erroneously believes are low-margin or even unprofitable. Traditional costing may result in companies selling products on which they are in fact losing money when they erroneously believe them to be profitable.
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Malek Company sells a special putter for $20 each. It applies standard costing system. In March, it sold 30,000 putters while manufacturing 32,000. Budgeted putters for March are 33,000. There are no variances other than production volume variance. There was no beginning inventory on March 1. Production information for March is: 15 minutes $40,000 Direct manufacturing labor per unit Fixed selling and administrative costs Fixed manufacturing overhead Direct materials cost per unit 132,000 2 Direct manufacturing labor per hour Variable manufacturing overhead per unit 4 Variable selling expenses per unit 2 Required: 1. Prepare income statement for March under both variable and absorption costing. 2. Reenneile absorption anarating income with variable 24
Income statement for March under both variable and absorption costing:To prepare the income statement under both variable and absorption costing, let's first calculate the cost per unit
Variable Costing:Direct Materials + Direct Labor + Variable Manufacturing Overhead = $2 + $0.25 + $0.25 = $2.50 per unit Absorption Costing:Direct Materials + Direct Labor + Variable Manufacturing Overhead + Fixed Manufacturing Overhead per unit = $2 + $0.25 + $0.50 + $0.5 = $3.25 per unit
Fixed manufacturing overhead = $132,000Fixed selling and administrative expenses = $60,000 Absorption costing net operating income = $273,000Variable costing net operating income = $198,000Increase in net operating income from absorption costing to variable costing = $198,000 - $169,000 = $29,000
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Juanita was covered under Basic FEGLI with 2 multiples of Option B when she resigned on January 23, 1997. She returned to federal service on March 15, 1997. Determine Juanita’s correct FEGLI coverage, assuming she did not experience a Qualifying Life Event during separation or within 60 days before separating
Check all that apply.
Because Juanita had a break in service of more than 30 days, allow her to make a new FEGLI coverage election.
Allow Juanita to cancel her FEGLI coverage.
Reinstate the Basic coverage with 2 multiples of Option B upon Juanita’s reinstatement.
None of the above.
Juanita was covered under Basic FEGLI with 2 multiples of Option B when she resigned on January 23, 1997. She returned to federal service on March 15, 1997.
To determine Juanita’s correct FEGLI coverage, assuming she did not experience a Qualifying Life Event during separation or within 60 days before separating,
here are the details we need to know:
Juanita was not covered under Basic FEGLI with 2 multiples of Option B for at least 5 years continuously.She did not experience a Qualifying Life Event (QLE) during separation or within 60 days before separating. If Juanita was out of the service for less than 31 days, her previous FEGLI coverage would be reinstated.
However, because she was out of the service for more than 30 days, she can choose her FEGLI coverage again.
The correct answer would be:
Because Juanita had a break in service of more than 30 days, allow her to make a new FEGLI coverage election.
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Compound interest For Problems 37-39, calculate the periodic rate. 37. 6% compounded semiannually 38. 9% compounded quarterly 39. 10.5% compounded monthly 40. Laurie Ingalls loans a friend $400 at 5% simple interest for 3 years. What is the maturity value? 41. Troy Woods deposits $400 in a savings account. The money is left on deposit for 3 years earning 5% compounded annually. Calculate the account balance at the end of 3 years. 42. Isaac Franco deposits $400 in a savings account. The money is left on deposit for 3 years earning 5% compounded semiannually. Calculate the account balance at the end of 3 years. Do not round intermediate results. 43. Refer to Problems 40-42. Who ended up with the most money, and why? 44. You just received your yearly bonus from work and have decided to deposit the money in a savings account. Your bank pays 5.75% compounded quarterly, and your credit union pays 5.85% compounded annually. Determine which rate provides the greater return by calculating the APY for each.
The periodic rate when 6% is compounded semiannually can be calculated as follows.
R = 6% /
2 = 3%
Therefore, the periodic rate is 3%.
38. The periodic rate when 9% is compounded quarterly can be calculated as follows:
R = 9% / 4
= 2.25%
Therefore, the periodic rate is 2.25%.
39. The periodic rate when 10.5% is compounded monthly can be calculated as follows:
R = 10.5% / 12
= 0.875%
Therefore, the periodic rate is 0.875%.
40. The maturity value when Laurie Ingalls loans a friend $400 at 5% simple interest for 3 years can be calculated as follows:
M = P × (1 + rt)
Where,
M = maturity value
P = principal
= $400
r = interest rate per year
= 5%
t = time in years
= 3 years.
Now, substituting the given values, we get:
M = $400 × (1 + 5% × 3)
= $460.
Therefore, the maturity value is $460.
42. The account balance when Isaac Franco deposits $400 in a savings account for 3 years earning 5% compounded semiannually can be calculated as follows:
A = P(1 + r/n)nt
Where,
A = account balance
P = principal
= $400
r = annual interest rate
= 5%
= 0.05
n = number of times compounded per year
= 2t
= number of years
= 3 years.
Now, substituting the given values, we get:
A = $400(1 + 0.05/2)2×3
= $466.05.
Therefore, the account balance at the end of 3 years is $466.05.
43. In problem 40, the maturity value is $460.In problem 41, the account balance at the end of 3 years is $463.
44. The annual percentage yield (APY) when the bank pays 5.75% compounded quarterly can be calculated as follows:
APY = (1 + r/n)n - 1
Where,
r = annual interest rate
= 5.75%
= 0.0575
n = number of times compounded per year
= 4.
Now, substituting the given values, we get:
APY = (1 + 0.0575/4)4 - 1
= 5.87%.
Therefore, the APY is 5.87%.
The APY when the credit union pays 5.85% compounded annually can be calculated as follows:
APY = 5.85%
= 0.0585.
Therefore, the APY is 5.85% which means the bank provides the greater return.
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