The effective annual interest rate (EAR) is the rate of interest that shows the actual rate that is owed on a loan. The effective annual interest rate reflects the impacts of compounding.
EAR = (1 + periodic interest rate)^m - 1
Periodic interest rate = APR /m
11.75 / 365 = 0.032192%
m = number of compounding = 365
EAR = (1 + 0.000322)^365 - 1 = 0.1247 = 12.47%
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Discussion Questions
If someone owes you money, and that person or business goes into bankruptcy, why
would it make a difference if you were a secured or unsecured creditor?
>
o First define secured and unsecured creditor then explain.
Regal, Incorporated, currently has an EPS of $1.30 and an earnings growth rate of 6.5 percent. If the benchmark PE ratio is 30, what is the target share price five years from now
Based on the information given the target share price five years from now is $53.4.
First step is to earning per share for year 5 using this formula
Earning per share for year 5=EPS×(1+Growth Rate)^5
Let plug in the formula
Earning per share for year 5=$1.30×(1+.065)^5
Earning per share for year 5=$1.30×(1.065)^5
Earning per share for year 5=$1.78111266
Second step is to calculate the target share price
Target Stock price=$1.78111266×30
Target Stock price=$53.4
Inconclusion the target share price five years from now is $53.4.
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Najah, a management researcher, conducted an experiment with the goal of confirming or contradicting the behavioral leadership approach. Najah spent many days following managers around while they worked. Like the Ohio State University and University of Michigan studies, Najah’s data showed that most managers focus on
a. tasks and relationships.
b. consideration and inspiration.
c. initiating structure and production.
d. transactions and empowerment.
Considering the research studies, Najah’s data showed that most managers focus on "consideration and inspiration."
This is because the research findings of the Ohio State University and University of Michigan studies on managers' behavioral leadership revealed that managers focus on consideration and inspiration.
Notably, the Ohio State University ts that managers tend to be either high or low sides of initiating structure and consideration regarding leadership behavior.
Hence, in this case, it is concluded that the correct answer is option B. "consideration and inspiration."
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2. How do you plan to fit freelancing with Rev in with your current schedule?
Based on time management analysis, to fit freelancing with Rev in with your current schedule, you should start by "creating a routine."
The other things you need to include in your plan to fit freelancing with Rev in with your current schedule include the following:
Set a priority list.Avoid procrastinationUtilize an electronic calendar to follow your scheduleComplete an end-of-the-day work.Follow a healthy work-life balance.Hence, in this case, it is concluded that there are many ways in which you can fit freelancing with Rev in with your current schedule.
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If Dr Oz Sleep gives 10 off coupon on its mattresses then what's one of them's mattress price of purchase, The original price is $899?
Answer:
89.9$
Explanation:
I just do it?
also if wrong I am so sorry
Colbert Inc. acquired 100% of Stewart Manufacturing on January 2, 2020. During 2020, Colbert sold Stewart $640,000 of goods, which had cost $450,000. Stewart still owned 18% of the goods at the end of the year. In 2021, Colbert sold goods with a cost of $820,000 to Stewart for $1,000,000, and Stewart still owned 15% of the goods at year-end. For 2021, the cost of goods sold totaled $5,800,000 for Colbert, and $1,300,000 for Stewart. What was consolidated cost of goods sold for 2021
Based on the information given the consolidated cost of goods sold for 2021 is $6,092,800.
First step is to calculate 2021 Intra-Entity Gross Profit
2021 Intra-Entity Gross Profit= ($1,000,000 − $820,000) ×15%
2021 Intra-Entity Gross Profit= $180,000 × 15%
2021 Intra-Entity Gross Profit= $27,000
Second step is to calculate 2020 Intra-Entity Gross Profit
2020 Intra-Entity Gross Profit= ($640,000 − $450,000) ×18%
2020 Intra-Entity Gross Profit=$190,000 ×18%
2020 Intra-Entity Gross Profit = $34,200
Third step is to calculate consolidated cost of goods sold for 2021 using this formula
Consolidated COGS = Parent's COGS + Subsidiary's COGS− Total COGS in Intra-Entity Transfer − Intra-Entity Gross Profit Deferred from 2020 + Intra-Entity Gross Profit Deferred from 2021
Let plug in the formula
Consolidated COGS =$5,800,000+ $1,300,000- $1,000,000-$34,200 +$27,000
Consolidated COGS = $6,092,800
Inconclusion the consolidated cost of goods sold for 2021 is $6,092,800.
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Beginning inventory, purchases and sales data for T-shirts are as follows:
April 3 Inventory
24 units
$10
11 Purchase
26 units
$12
14 Sale
36 units
21 Purchase
18 units
SIS
25 Sale
20 units
Assuming the business maintains a periodic inventory system, calculate the ending inventory under FIFO:
Based on the First In; First Out method of inventory management, the ending inventory is $180.
FIFO means that the earlier stock is sold off first. This means that the sale on April 14 was based on the beginning inventory first and then the Purchase on the 11.
Stock on April 14:
= Beginning stock + Purchases - Sale
= 24 + 26 - 36
= 14 units at $12 each
Stock at 25th:
= Remaining April 11 purchases + April 21 Purchases - Sales
= 14 + 18 - 20
= 12 units at $15
Ending inventory:
= 7 x 12
= $180
In conclusion, closing inventory is $180.
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Mention five (5) reasons why some business plan fail
Answer:
any five reasons why business fail are :
due to low investment or budget
due to lack of demand of customers
due to lack of knowledge of that business
Brian Wilson plans to invest in a rental property worth $250,000. He plans to hold the property for 6 years and expects to sell it for $280,000 at the end of the sixth year. He estimates that the average monthly net income from renting the property will be $3,450. His target return is 10%. Calculate the net present value of the investment.
Answer:
I do not know anything at all
"Alicia"! shouted David to the company's HR specialist. I've got a problem,and you've got to solve it. I can't get people in this factory to work as a team. As if i don't have enough trouble with the company competitor's, the current Corvid pandemic and our past due accounts. Now i have to put up with running a zoo here at the company. You're responsible for seeing that the staffs gets along. I want a training proposal on my desk by Monday next week.
QUESTIONS:
Assume you are Alicia
(i). Discuss if lack of training is the cause to the above problem?
(ii). Explain how you would conduct a needs assessment in the above situation.
The cause of the above problem is not due to lack of training, but to a weakened organizational culture that does not allow integration and cooperation in the work environment.
It is therefore necessary to conduct a needs assessment in the situation above, which helps managers to better understand the problem of the difficulty of teamwork.
An organizational needs assessment could be done according to these steps:
1. Assessment of needs and definition of objectives.
2. Identification of organizational resources and capabilities.
3. Identification of target audience and data sources.
4. Strategic planning and implementation.
5. Getting feedback.
Therefore, a needs assessment will help the company to understand the cause of team integration problems, in addition to improving the quality of processes, communication, feedback, cooperation and employee motivation.
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A break-even analysis includes operating expenses and total monthly debt payments,
plus
school costs.
O gross profit margin.
Ihr
net profit margin.
zero term margin.
Answer:
Gross profit margin.
Explanation:
Break-Even Analysis enables a business to know how much cash it has under given situations by helping it know how much sales it needs in order to have a certain amount of cash.
It is calculated by the formula;
(Operating Expenses + Annual Debt Service)/Gross Profit Margin = Break-Even Sales
Operating Expenses in this equation is net of Depreciation as depreciation is a non-cash expense.
Label each of the statements as either true or false. Each label can be used more than once.
a. Informative advertising can include information about price, quality, and/or availability.
b. When a company spends a lot on advertising it is signaling that it expects that its product will be successful in the marketplace.
c. Advertising as part of the product includes information about price, quality, and availability.
d. Advertising as part of the product is used to persuade us to consume the good or service with little or no information about the product.
It is true that informational advertising can include information about price, quality and availability, as this type of advertising aims to inform the customer about the product's characteristics.
When a company spends a lot on advertising, it is a sign that it expects its product to be successful in the market, as advertising is capable of boosting a product, generating a desire to buy and creating value for the product.
Advertising as part of the product includes information on price, quality and availability and is characterized as informational advertising.
Advertising as part of the product is used to persuade us to consume the good or service with relevant information about the product, so that the consumer knows its features and benefits, and decides to make the purchase.
So the options are:
a. TB. Tc. Td. FLearn more here:
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Which of the following statements pertain to a joint venture and not to a partnership business arrangement?
I.It has a limited purpose
II.It is a business relationship between several entities
III.Involves the sharing of gross returns rather than profits
IV.Each person or entity involved is liable only for an agreed-upon portion of the liabilities
V.Allows for the right of each person or entity involved to dispose of any interest in the property subject to the agreement
Review Later
I, III, IV and V only
II and III only
I, II, III, IV and V
I and II only
The statements that pertain to a joint venture and not to a partnership business arrangement are: I and II only.
A joint venture is a business arrangement that is entered into by two or more business entities who pool resources together to venture into a business where resources will be shared.
This is different from a partnership that involves two or more people who decide to run a combined business.
So, the major difference between these two is that joint ventures are mainly entered because of a particular project.
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Explain the concept of interest
Answer:
Interest is the monetary charge for the privilege of borrowing money, typically expressed as an annual percentage rate (APR). Interest is the amount of money a lender or financial institution receives for lending out money.
NEED GUIDANCE ON HOW TO DO THIS PLEASE
I need to prepare cash flow statement and financial performance statement. I have attended the photo
Answer:
transport and travelling cost
Hope Springs makes the bottles of water, puts them into storage, and fills orders as they come in from inventory. This is an example of which supply-chain strategy
The type of supply-chain strategy uses by Hope Spring to fills orders as they come in from inventory is called the pull supply-chain strategy.
The pull supply strategy is a manufacturing strategy that is influenced by consumer's demand because the demand are used to decide the level of procurement, production and distribution of product.
This strategy is very effective to prevent against wastage or over-production since the level of demand for the product determine the level of producing such product.
Therefore, in conclusion, the example of this is known as Pull supply-chain strategy.
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Which statement is a reason for using our unconventional reserves if they were more difficult to obtain
Unconventional resources are the resources that make use of specialized extraction to obtain fuel from the deposit.
Your information is incomplete. Therefore, an overview of an unconventional reserve will be given. An unconventional reserve makes use of specialized extraction to obtain fuel from the deposit.
The resources that can be extracted from conventional petroleum reserves are natural gas, crude oil, and condensate. It should be noted that the products that can be refined are petrol, diesel, asphalt base, kerosene, etc.
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Next Up Computer Company thinks it will make a splash with cartoon-themed laptop cover designs scheduled for release next year. The computers do not have any other feature differences from what Next Up currently offers. This effort is an example of using __________ to differentiate a product as new.
Considering the situation described above, this effort is an example of using image differentiation to differentiate a product as new.
Image differentiation is a type of differentiation strategy used by business firms to differentiate their products through communications.
By using communication strategies such as written, audio, digital, advertisement, or images to differentiate between various products or from existing products, this is an example of image differentiation.
Thus, when Next Up Computers only changes the cover designs alone, that is a form of image differentiation.
This is type of differentiation is often referred to as Reputation Differentiation.
Other types of differentiation methods include the following:
Product differentiationService differentiationRelationship differentiationDistribution differentiation.Price differentiation.Hence, in this case, it is concluded that the correct answer is "Image Differentiation."
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Heidi Ganahl, CEO and Founder of Camp Bow Wow, seems to have the ability to inspire people she works with to accept her vision and support her efforts to be the best. This is an example of:
Answer:
good leadership
Explanation:
The fact that she inspires and not demands is an example of good leadership skills
Heidi Ganahl, CEO and Founder of Camp Bow Wow, seems to have the ability to inspire the people she works with to accept her vision and support her efforts to be the best. This is an example of Charismatic leadership.
Who is a leader?The term leader is someone who inspires passion and motivation in followers. A leader is someone with a vision and the path to realizing as we see there are different types of leaders who are there as we see in
The organization team leaders are there in it as we see in politics they are different from it. There are different kinds of leaders who are being there. And they can easily lead the group as well.
As charismatic leadership was included as the, charm By leadership they have combined interpersonal connections as well in the leadership.
Therefore, As a result, By charismatic leadership. They have the ability to inspire the people she works with.
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#SPJ6
All of the following are costs (fees) associated with checking accounts except
A.) Monthly Service Charges
B.) Overdraft fees
C.) ATM Card transactions fees
D.) Direct Deposit
According to House’s revised path-goal theory, a leader’s style should vary depending on
a. leader-member relations and environmental factors.
b. employee characteristics and organizational readiness.
c. leadership effectiveness and situational control.
d. employee characteristics and environmental factors.
According to House’s revised path-goal theory, the style of a leader varies depending on D. employee characteristics and environmental factors.
The path-goal theory posits that the behavior of a leader is contingent on the motivation, performance, and satisfaction of their workers.
According to House’s revised path-goal theory, a leader’s style should vary depending on employee characteristics and environmental factors.
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Lorraine is a professional food critic. After each visit, she evaluates a restaurant on their service, food quality, and atmosphere. What type of quality assessment is this
The type of quality assessment that food critic Lorraine will make on each visit, assessment of the service, food quality and ambience of a restaurant will be based on their experience.
Quality assessment is carried out by collecting data to identify compliance with pre-established standards, such as those defined by Lorraine, regarding service, food and environment.
Therefore, through her on-site experience, she will be able to assess the quality according to her criteria and then share it with the public or in media such as newspapers, magazines and blogs.
The experience of the food critic will influence the public to decide if they want to go to the place and also to the restaurant to improve the quality of their service and products.
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Alma owns fifty shares of common stock in Alpha Corporation. Alma also owns eighty shares of preferred stock in the same corporation. Alpha Corporation has an upcoming vote for a new director. In the election for the new board member of Alpha, Alma will be able to cast:
Given the situation described above, Alma will be able to cast 50 votes.
This is because common stock gives voting rights to shareholders. And given that Alma has 50 shares of common stocks. Therefore, he would be able to cast 50 votes.
On the other hand, preferred stocks give no voting rights to shareholders.
However, preferred shareholders have preference over a company's revenue or earnings, which implies that they are paid dividends before common shareholders.
Hence, in this case, it is concluded that the correct answer is "50 votes."
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What could an article in a financial publication tell you about a company that
a prospectus can't?
A. How much profit the company has produced for shareholders
B. What major losses the company has suffered
C. What improvements have been made to improve employee morale
D. What the company's assets and liabilities are
The thing that an article in a financial publication can tell one about a company that the prospectus won't is C. What improvements have been made to improve employee morale.
A prospectus simply means a formal legal document that is designed to provide information about an investment of a company to the public.
The prospectus can contain information such as the profit the company has produced for shareholders, the major losses the company has suffered, and the company's assets and liabilities.
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Answer:C
Explanation:just got it right
How can a bank help Millennial and Gen Z consumers plan to start a family?
A bank can help Millennial and Gen Z consumers to plan to start a family by:
Giving out mortgage loans to themAccording to the given question, we are asked to show the role a bank can play in helping Millennials and Gen Z generations to start their own family.
As a result of this, we can see that Millennials are people who are considered to be within the age bracket of 25-40, while Gen Z are people who are considered to have been born during the social media and internet age and are usually between the ages of 24 and below.
With this in mind, Millennials have likely started up their own family and the Gen Z are likely just coming out of college. Hence, a bank can help both generations to start up their family by giving them mortgage loans and other financial benefits.
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Because so many customer balances consist of multiple invoices, what could the auditors do to eliminate unnecessary reconciliation
In order to eliminate unnecessary reconciliation the auditors could request to send empty letter spaces to the customers.
Then the auditor should make the request of asking these customers that they should write out their balances in these letters.
The reason why the auditor has to do this is to check if they are correct or if they are not.
The account receivable has to be sent by this firm in order to determine if the customers have same amount of balance.
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One year ago, your company purchased a machine used in manufacturing for . You have learned that a new machine is available that offers many advantages; you can purchase it for today. It will be depreciated on a straight-line basis over ten years, after which it has no salvage value. You expect that the new machine will contribute EBITDA (earnings before interest, taxes, depreciation, and amortization) of per year for the next ten years. The current machine is expected to produce EBITDA of per year. The current machine is being depreciated on a straight-line basis over a useful life of 11 years, after which it will have no salvage value, so depreciation expense for the current machine is per year. All other expenses of the two machines are identical. The market value today of the current machine is . Your company's tax rate is , and the opportunity cost of capital for this type of equipment is . Is it profitable to replace the year-old machine?
Answer:
Yes it would be profitable to replace a year old machine.
Explanation:
its always best to buy new things to replace others.
old things usually dont work correctly and could be out of date.
buying something new can reduce that probability of not working correctly
have no control over the price they charge for their product.
O Price takers
O Price searchers
O Price makers
O Price manipulators
Answer:
○ price makers.
Explanation:
they are the ones who make the price so they have no control over the price
2. Who are teachers? Write any two works of teachers.
Answer:
Teacher are those person who teach us and Help us for a future Work
Their two work are:-
1).They teach us
2):- They teach us moral value and norms
I’m the speech “I have a dream” by Martin luther king jr. did he Use of verbal signposts to create coherence?
Answer:
yes
Explanation:
he did to attract customers