A 20-year-old student wants to save $5 a day for her retirement. Every day, she places $5 in a drawer. At the end of EACH year, she invests the accumulated savings in an automated account with an expected annual return of 9%, paid annually.

Required:
a. If she begins saving today; How much money will she have when she is 65?
b. If she did not start saving until she was 45 years old, how much would she have at 65?
c. How much must the 45-year-old deposit monthly to catch the 20-year old?

Answers

Answer 1

Answer:

a. If she begins saving today; How much money will she have when she is 65?

Assuming that the student started saving the day of her birthday, she will have $1,825 at the end of each year. So we must find the future value of an ordinary annuity with 45 payments worth $1,825 and 9% interest rate:

FV = $1,825 x 525.85873 (FV annuity factor, 9%, 45 periods) = $959,692.18

b. If she did not start saving until she was 45 years old, how much would she have at 65?

FV = $1,825 x 51.16012 (FV annuity factor, 9%, 20 periods) = $93,367.22

c. How much must the 45-year-old deposit monthly to catch the 20-year old?

$959,692.18 = annuity payment x 51.16012

annuity payment = $959,692.18 / 51.16012 = $18,758.60


Related Questions

During the current month, Grey Company transferred 60,000 units of finished production out of the Mixing Department at a cost of $6 each. They were transferred to finished goods. The journal entry to record the transfer would be which of the following?
a. Finished Goods 360,000
Work in Process 360,000
b. Finished Goods 360,000
Cost of Goods Sold 360,000
c. Work in Process 600,000
Finished Goods 600,000
d. Work in Process 600,000
Cost of Goods Sold 600,000

Answers

Answer:

a. Finished Goods 360,000

Work in Process 360,000

Explanation:

During transfer, de-recognize the cost of finished and transferred production from the Work In Process Account of the Mixing Department (Credit) and accumulate the cost in the Finished Goods Account (Debit).

When the units are finally sold, Cost of Goods Sold is recognized (Debit) and the Finished Goods Account is De-recognized (Credit).

The American Red Cross and the American Medical Association are nonprofit businesses. This is because they: A. plan to make a profit by selling services to other countries. B. exist to benefit a cause but not to make a profit. C. share profits with top management but not with workers. D. sell services directly to customers to make a higher profit.

Answers

Answer:B  exist to benefit a cause but not to make a profit.

Explanation:

They are to provide services which are useful to the members of the society at large.  They exist to promote the interest of members of the public which are social in nature.  With a view to ensure the smooth running of the organisation some individuals are elected to run the organisation in the position of chairman, secretary, and treasurer.  They do prepare receipt and payment account which is similar to cash account while some do prepare income and expenditure account which is similar to profit and loss account.

Max Company uses 20,000 units of Part A in producing its products. A supplier offers to make Part A for $7. Max Company has relevant costs of $8 a unit to manufacture Part A. If there is excess capacity, the opportunity cost of not buying Part A from the supplier is:________
a) $20,000.
b) $0.
c) $160,000.
d) $140,000.

Answers

Answer:

$20,000

Explanation:

Max company makes use of 20,000 units of part A to manufacture its product

A supplier offers to produce part A for $7

Max company has relevant costs to $8 per unit to produce part A

Therefore, the opportunity cost of not buying part A from the supplier can be calculated as follows

Opportunity cost= 20,000 units of part A($8-$7)

= 20,000 units×$1

= 20,000×$1

= $20,000

Hence the opportunity cost of not buying part A from the supplier when there is excess capacity is $20,000

Parton and Sons is a law firm that uses activity-based costing. Classify these activities as value-added or non-value-added:

a. Taking appointments
b. Reception
c. Meeting with clients
d. Bookkeeping
e. Court time
f. Meeting with opposing attorneys
g. Billing
h. Advertising

Answers

Answer:

The answer is:

A - Non-value-added

B - Non-value-added

C- Value-added

D- Non-value-added

E - Value-added

F - Value-added

G - Non-value-added

H- Non-value-added

Explanation:

In activity-based costing, Non-value-added activities are activities that add costs to ones product without enhancing the value while value-added is a cost that enhance the quality of a product or service.

A - Non-value-added

B - Non-value-added

C- Value-added

D- Non-value-added

E - Value-added

F - Value-added

G - Non-value-added

H- Non-value-added

Assume instead that the equipment was disposed of in 2022 and the original error was discovered in 2023 after the 2022 financial statements were issued. Prepare the correcting entry in 2023.

Answers

Answer:

No journal entry is required

Explanation:

As if we assume that the disposal of equipment is done in the year 2022 but the original error was discovered in the year 2023 after issuing the 2022 financial statements

Based on the above information, the correct entry for the year 2023 is that no journal entry is required for this transaction and the same is to be considered

An important tool in predicting the volume of activity, the costs to be incurred, the sales to be made, and the profit to be earned is:

Answers

Answer:

Cost-volume-profit analysis.

Explanation:

An important tool in predicting the volume of activity, the costs to be incurred, the sales to be made, and the profit to be earned is cost-volume-profit analysis. It is an important tool in accounting that is used to determine how changes in differing levels of activities such as costs and volume affect a company's operating financial statements, both income and net income. It is also an accounting concept known as the break even analysis.

In order to use this cost-volume-profit analysis, accountants usually make some assumptions and these are;

1. Sales price per unit product is kept constant.

2. Variable costs per unit product are kept constant.

3. Total fixed costs of production are kept constant.

4. All the units produced are sold.

5. The costs accrued are as a result of change in business activities.

6. A company selling more than a product should simply sell in the same mix.

You purchased a call option for $3.45 17 days ago. The call has a strike price of $45, and the stock is now trading for $51. If you exercise the call today, what will be your holding-period return

Answers

Answer:

73.9%

Explanation:

Calculation for what will be your holding-period return

You purchased a call option for $3.45 17 days ago. The call has a strike price of $45 and the stock is now trading for $51. If you exercise the call today, what will be your holding period return?

First step is to find the Gross profit

Using this formula

Gross profit=Strike price- Stock Trading amount

Let plug in the formula

Gross profit =$51 - 45

Gross profit= $6

Second step is to find the Net profit

Using this formula

Net profit=Gross profit-Call option

Let plug in the

Net profit is $6 - 3.45

Net profit= $2.55

The last step is to find the Holding period return

Using this formula

Holding period return =Net profit/Call option

Let plug in the formula

Holding period return=$2.55/$3.45

Holding period return= 0.739*100

Holding period return =73.9%

Therefore what will be your holding-period return is 73.9%

The Mixing Department of Complete Foods had 62,000 units to account for in October. Of the 62,000 units, 38,000 units were completed and transferred to the next department, and 24,000 units were 20% complete. All of the materials are added at the beginning of the process. Conversion costs arc added evenly throughout the mixing process and the company uses the weighted-average method.

Required:
Compute the total equivalent units of production for direct materials and conversion costs for October.

Answers

Answer:

                                                 Equivalent units

Material                                                 62,000

Conversion cost                                    24,000

Explanation:

Under the weighted average method of valuation, to account for completed units, it is assumed that the entire degree of work required is done in the period under consideration. So there is no separation of the completed units into opening inventory and fully worked.

Equivalent units = Degree of completion (%) × Number of units

Equivalent unit for Material

Item                                 unit                    Equivalent units

Transferred out             38,000 ×  100% = 38,000

Closing WIP                    24,000×  100% = 24,000

Equivalent unit of material                          62,000

The degree of completion for WIP is taken to be 100% because materials are always added at the beginning, therefore all the amount of raw material required is already imputed.

Equivalent unit for Conversion cost

Item                                 unit                    Equivalent units

Transferred out             38,000 ×  100% =      38,000

Closing WIP                    24,000×  20% =       4800

Equivalent unit of conversion                         42,800

                                                     Equivalent units

Material                                                 62,000

Conversion cost                                    24,000

Forner, Inc., manufactures and sells two products: Product Z1 and Product Z8. The company has an activity-based costing system with the following activity cost pools, activity measures, and expected activity: Estimated Expected Activity Activity Cost Pools Activity Measures Overhead Cost Product Z1 Product Z8 Total Labor-related DLHs $ 145,000 4,000 2,000 6,000 Machine setups setups 68,360 1,100 300 1,400 Order size MHs 1,069,190 2,700 3,100 5,800 $ 1,282,550 The activity rate for the Order Size activity cost pool under activity-based costing is closest to:

Answers

Answer:

$184.34

Explanation:

The computation of activity rate for the Order Size activity cost pool is shown below:-

The Activity rate for Order size = Estimated order size overhead cost ÷ Total machine hours

= 1,069,190 ÷ 5,800

= $184.34

Therefore for computing the activity rate for the Order Size activity cost pool we simply applied the above formula and ignore all other value.

A put on XYZ stock with a strike price of $40 is priced at $2.00 per share, while a call with a strike price of $40 is priced at $3.50. What is the maximum per-share loss to the writer of the uncovered put and the maximum per-share gain to the writer of the uncovered call

Answers

Answer:

Loss = $38

Gain = $3.5

Explanation:

The calculation of maximum per-share loss and maximum per-share gain is shown below:-

Maximum loss = Exercise price - Premium received

= $40 - $2

= $38

So, the maximum per share loss is $38

Maximum gain = Premium received

= $3.5

So, the maximum per share gain is $3.5

We simply applied the above formulas to determine each part

The widget market is competitive and includes no transaction costs. Five suppliers are willing to sell one widget at the following prices: $20, $12, $8, $4, and $2 (one seller at each price). Five buyers are willing to buy one widget at the following prices: $8, $12, $20, $32, and $44 (one buyer at each price). For each price shown in the following table, use the given information to enter the quantity demanded and quantity supplied.
Price Quantity Demanded Quantity Supplied
($ per widget) (widgets) (widgets)
$2
$4
$8
$12
$20
$32
$44
In this market, the equilibrium price will beper widget, and the equilibrium quantity will be______widgets.

Answers

Answer:

4

Explanation:

The completion of the table is shown below;

Price                   Quantity Demanded               Quantity Supplied

($ per widget)             (widgets)                               (widgets)

$2                                     5                                                1

$4                                     5                                               2

$8                                     5                                               3

$12                                   4                                                4

$20                                  3                                                5

$32                                  2                                                5

$44                                 1                                                 5

As we can see that at the price of $12 the quantity demanded is equivalent to the quantity supplied i.e 4 so here the equilibrium quantity is 4 for the widgets

Which of the following is not required to prove innocent representation?
A. The fact asserted was material.
B. The fact asserted constituted a mistake of law.
C. The complaining party's reliance was reasonable.
D. The complaining party entered the contract because of his reliance on the fact asserted.

Answers

Answer:

I think it is C

hope I'm right

What is a rule of solid database design regarding calculated values?

Answers

Calculates values should not be stored in the data base.

What are calculated value?

This are value computed using electronic devices such as computer.

The values are advised not to be stored in data base of the computer because it update itself as the data is worked upon.

Hence, storing it will only give access to the values that was saved and not update it

Therefore,

Calculates values should not be stored in the data base.

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#SPJ9

Answer:

B

Explanation:

A buyer and a seller enter into a real estate sales contract. Under the contract's terms, the buyer will pay the seller $500 a month for 10 years. The seller will continue to hold legal title, while the buyer will live in the home and pay all real estate taxes, insurance premiums, and regular upkeep costs. What kind of contract do the buyer and seller have

Answers

Answer: Land Sales Contract

Explanation:

Land Sales contract are a way to buy a property for people who would otherwise be unable to buy one because they were unable to get a mortgage or are running low in funds.

It works by the buyer paying the seller a certain amount of money for a period of time according to an agreement. During this period of payment, the seller continues to hold the legal rights to the property and then passes it to the buyer when they are finished paying. In this scenario therefore, the seller effectively plays the role of a mortgage bank.  

A production possibilities frontier (PPF) graph would be used when a business wants to: A. determine outputs given the inputs available. B. create pricing systems. C. understand consumer demand. D. project rates of currency exchanges given political situations.

Answers

Answer:D duh

Explanation:

With political exchange economy grows and the rest of the solutions are solved

Estimating Allowance for Doubtful Accounts
Evers Industries has a past history of uncollectible accounts, as follows.
Age Class Percent Uncollectible
Not past due 1%
1-30 days past due 3
31-60 days past due 12
61-90 days past due 30
Over 90 days past due 75
Estimate the allowance for doubtful accounts, based on the aging of receivables information provided in the chart below. Evers Industries Estimate of Allowance for Doubtful Accounts Total recelvables Percentage uncollectible Allowance for doubtful accounts Balance 1,124,500 Not Past Due 607,400 196 Days Past Due 1-30 Days Past Due 31-60 Days Past Due 61-90 Days Past Due Over 90 233,000 121600 12% 96500 30% 66000 75%

Answers

Answer:

Allowance for doubtful accounts    $ 106106 using the aging method

Explanation:  

Evers Industries

Estimate of Allowance for Doubtful Accounts

                          Balance         Not Past    Past Due  (days)

                                                    Due          (1-30)   (31-60)   (61-90)  (Over 90)

Total

Receivables        1,124,500   607,400   233,000  121600   96500   66000

Percentage

Uncollectible                            1%             3%           12%         30%      75%    

Allowance for                         6074          6990      14592     28950  49500

doubtful accounts    106106

We multiply each percent with the amount given and then add them all to get the total which is $106106 based on aging method.

The estimation of the Allowance for doubtful accounts should be $106,106 using the aging method.

Calculation of the estimation of the Allowance for doubtful accounts:

                        Balance         Not Past    Past Due  (days)

                                                   Due          (1-30)   (31-60)   (61-90)  (Over 90)

Total

Receivables        1,124,500   607,400   233,000  121600   96500   66000

Percentage

Uncollectible                            1%             3%           12%         30%      75%    

Allowance for                         6074          6990      14592     28950  49500

doubtful accounts    106106

We multiply each percent by the amount given and then add them all to get the total which is $106106 based on aging method.

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9. The risk-free rate and the expected market rate of return are 5.6% and 12.5%, respectively. According to the capital asset pricing model (CAPM), the expected rate of return on a security with a beta of 1.25 is equal to

Answers

Answer:

21.2%

Explanation:

CAPM = risk free rate +( beta x expected market return)

5.6% + (1.25 x 12.5%) = 21.2%

Joe must pay liabilities of 1,000 due one year from now and another 2,000 due three years from now. There are two available investments: Bond I: A one-year zero-coupon bond that matures for 1,000. The yield rate is 6% per year Bond II: A two-year zero-coupon bond with face amount of 1,000. The yield rate is 7% per year. At the present time the one-year forward rate for an investment made two years from now is 6.5%. Joe plans to buy amounts of each bond. He plans to reinvest the proceeds from Bond II in a one-year zero-coupon bond. Assuming the reinvestment earns the forward rate, calculate the total purchase price of Bond I and Bond II where the amounts are selected to exactly match the liabilities.
1. 2,584
2. 2,697
3. 2,801
4. 2,907
5. 3,000

Answers

Answer:

1. 2,584

Explanation:

future payments: $1,000 in 1 year and $2,000 in 3 years

the present value of alternative I (one year bond):

$1,000 / 1.06 = $943.40

the present value of alternative II (first 2 years and then 1 year):

$2,000 / 1.065 = $1,877.93 ⇒ PV at year 2

PV at year 0 = $1,877.93 / 1.07² = $1,640.26

the total present value of both options = $943.40 + $1,640.26 = $2,583.66 ≈ $2,584

Liabilities are settled over time through the transfer of economic benefits including money, goods, and services.

Liabilities

Liability are some things someone or company owes, that's usually a sum of cash.

Now we calculate the whole price of Bond I and also Bond II.

The longer term payments is : $1,000 in 1 year and $2,000 in 3 years.

The present value of different I (one year bond): $[tex]1,000 / 1.06[/tex] = $[tex]943.40[/tex]

The present value of other II (first 2 years then 1 year): $[tex]2,000 / 1.065[/tex] = $[tex]1,877.93[/tex]⇒ PV at year 2PV at year 0 = $1,877.93 / 1.07² = $1,640.26

The total present value of both options = $943.40 + $1,640.26 = $[tex]2,583.66 ≈[/tex]$2,584

Thus, the correction option is (1.) 2,584.

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assuming it is stored safely how long after It was prepared can refrigerated food be sold or served 1-7 days b-10 days c-14 days d-20 days

Answers

Answer:

1-7 days

Explanation:

But, ideally 4 days should be the maximum for prepared food to be refrigerated before it is sold or served.

Leaving food refrigerated for a long time makes it to lose its nutrients.  Some foods like potatoes, meat, eggs, chicken, etc. can become harmful or poisonous, especially when you reheat them before eating.  That is why it is right to adhere to proper routines for refrigerating food and also preparing and serving the food.  Some healthy food are better eaten immediately after their preparation.

Wang Co. manufactures and sells a single product that sells for $450 per unit; variable costs are $270 per unit. Annual fixed costs are $800,000. Current sales volume is $4,200,000. Compute the contribution margin ratio.

Answers

Answer:

contribution margin ratio= 0.4

Explanation:

Giving the following information:

Selling price per unit= $450

Unitary variable costs=$270

To calculate the contribution margin ratio, we need to use the following formula:

contribution margin ratio= contribution margin/selling price

contribution margin ratio=  (450 - 270) / 450

contribution margin ratio= 0.4

The charter of a corporation provides for the issuance of 100,000 shares of common stock. Assume that 30,000 shares were originally issued and 5,000 were later reacquired. what is the number of shares outstanding?

Answers

Answer:

The answer is 25,000 shares.

Explanation:

The 100,000 shares is the authorised shares which is the maximum number of shares an entity is permittee to issue to investors as being stipukated in its articles of incorporation.

The 30,000 shares is the outstanding shares which is the total number of shares issued to existing shareholders.

The 5,000 shares reacquired is known as treasury stock. Companies repurchased the shares.

So total number of outstanding shares is:

30,000 shares - 5,000 shares

= 25,000 shares

The number of shares outstanding is 25,000.

The calculation is as follows:

= Originally issued - reacquired shares

= 30,000 - 5,000

= 25,000

Therefore we can conclude that The number of shares outstanding is 25,000.

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Consider a country that is operating under a system of flexible exchange rates. If the central bank in this country imposes an expansionary monetary policy, it would be likely to experience:_________
I. a depreciation of its currency;
II. short-term capital outflows;
III. an appreciation of its currency.

Answers

Answer:

i a depreciation of its currency;

Explanation:

A flexible exchange rate is when exchange rate is determined by the forces of demand and supply.

an expansionary monetary policy is a policy where the monetary authorities increase the money supply in the economy.

If exchange rate is flexible and an expansionary monetary policy is carried out, the supply of money would exceed its demand.  as a result, the value of money would fall. this is known as depreciation

The 10.9 percent preferred stock of Rock Bottom Floors is selling for $91 a share. What is the firm's cost of preferred stock if the tax rate is 44 percent and the par value per share is $100

Answers

Answer: 11.978%

Explanation:

From the question, we are informed that the 10.9 percent preferred stock of Rock Bottom Floors is selling for $91 a share. We are further informed that the tax rate is 44 percent and the par value per share is $100.

The firm's cost of preferred stock will be 10.9% multiplied by the par value per share and then divided by the share price of $91. This will be:

= (10.9% × 100)/91

= (0.109 × 100)/91

= 10.9/91

= 0.11978

= 11.978%

Sales 22160 units Cash, beginning balance $34000 Selling and administrative (of which depreciation, $5,000) $53000 Required minimum cash balance $66480 If necessary, the company will borrow cash from a bank on the first day of March. Assume that the borrowing can be made in any (exact) amount, but bears interest at 3% per month. The March interest will be paid during subsequent months. Q: What is the closest amount of cash that must be borrowed on March 1 to cover all cash disbursements and to obtain the desired March 31 cash balance

Answers

Answer:

Loan taken:                           58,320

Explanation:

We add up the beginning cash with the receipts and subtract the expenses.

Then, we compare agaisnt the mnimum required balance

Beginning Cash   34,000

Cash Receipts

Sales                    22,160

Total cash form operations: 56,160

Cash disbursements

S&A expense (w/o depreciations) 48,000

Ending Cash from operations 8,160

Minimum Balance:               66,480  

Loan taken:                           58,320

A financial asset is liquid: Group of answer choices if it can be readily exchanged for another asset or good. if it is held by the public and earning interest. only if it takes the form of cash. if it can be carried easily from one place to another.

Answers

Answer:

if it can be readily exchanged for another asset or good

Explanation:

An asset is liquid if it can be easily be exchanged for another asset or good or converted to cash. cash ( currency)  is the most liquid asset.

an house for example is less liquid when compared to cash. this is because before it can be converted to cash or exchanged for another asset, it must first be valued, then we have to find a buyer and this process can range from days to years. this makes a house less liquid when compared with a house.

Pooler Corporation is working on its direct labor budget for the next two months. Each unit of output requires 0.15 direct labor-hours. The direct labor rate is $7.00 per direct labor-hour. The production budget calls for producing 6,500 units in April and 6,200 units in May. If the direct labor work force is fully adjusted to the total direct labor-hours needed each month, what would be the total combined direct labor cost for the two months?

Answers

Answer:

$13,335

Explanation:

Required production in units for April and May are 6,500 units and 6,200 units respectively.

Direct labor hours needed is 0.15 for both months.

Total direct labor hours needed for each month would be;

April

= 6,500 units × 0.15

= 975

May

=6,200 units × 0.15

= 930

Direct labor rate per hour for each months is $7

Total direct labor cost for April would be;

= $7 × 975

= $6,825

Total direct labor cost for May would be;

= $7 × 930

= $6,510

Therefore, total direct labor cost for both months April and May would be;

= $6,825 + $6,510

= $13,335

The following data have been recorded for recently completed Job 450 on its job cost sheet. Direct materials cost was $2,108. A total of 36 direct labor-hours and 234 machine-hours were worked on the job. The direct labor wage rate is $18 per labor-hour. The Corporation applies manufacturing overhead on the basis of machine-hours. The predetermined overhead rate is $25 per machine-hour. The total cost for the job on its job cost sheet would be:

Answers

Answer:

Total cost= $8,606

Explanation:

Giving the following information:

Job 450:

Direct materials= $2,108

A total of 36 direct labor-hours and 234 machine-hours were worked on the job.

The direct labor wage rate is $18 per labor-hour.

The predetermined overhead rate is $25 per machine-hour.

We need to calculate the total cost for Job 450:

Direct materials= 2,108

Direct labor= 36*18= 648

Overhead= 234*25= 5,850

Total cost= $8,606

Exercise 10-6 Direct Materials and Direct Labor Variances [LO10-1, LO10-2] Huron Company produces a commercial cleaning compound known as Zoom. The direct materials and direct labor standards for one unit of Zoom are given below: Standard Quantity or Hours Standard Price or Rate Standard Cost Direct materials 7.40 pounds $ 2.60 per pound $ 19.24 Direct labor 0.45 hours $ 8.00 per hour $ 3.60 During the most recent month, the following activity was recorded: 12,100.00 pounds of material were purchased at a cost of $2.50 per pound. All of the material purchased was used to produce 1,500 units of Zoom. 575 hours of direct labor time were recorded at a total labor cost of $5,750. Required: 1. Compute the materials price and quantity variances for the month. 2. Compute the labor rate and efficiency variances for the month.

Answers

Answer:

Instructions are below.

Explanation:

Giving the following information:

Direct material:

Standard= 7.40 pounds $ 2.60 per pound

Actual= 12,100 pounds of material were purchased for $2.50 per pound.

Direct labor:

Standard= 0.45 hours $ 8.00 per hour

Actual= 575 hours of direct labor time were recorded at a total labor cost of $5,750

Units produced= 1,500

To calculate the direct material price and quantity variance, we need to use the following formulas:

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

Direct material price variance= (2.6 - 2.5)*12,100

Direct material price variance= $1,210 favorable

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

standard quantity= 1,500*7.4= 11,100

Direct material quantity variance= (11,100 - 12,100)*2.6

Direct material quantity variance= $2,600 unfavorable

To calculate the direct labor efficiency and rate variance, we need to use the following formulas:

Direct labor time (efficiency) variance= (Standard Quantity - Actual Quantity)*standard rate

Standard quantity= 1,500*0.45= 675

Direct labor time (efficiency) variance= (675 - 575)*8

Direct labor time (efficiency) variance= $800 favorable

Direct labor rate variance= (Standard Rate - Actual Rate)*Actual Quantity

Actual rate= 5,750/575= $10

Direct labor rate variance= (8 - 10)*575

Direct labor rate variance= $1,150 unfavorable

An option is called a derivative security because: Select one: a. its value is derived from that of another asset b. to calculate its worth requires extensive derivations c. it is the basic building block security we use to value all other derivative securities d. its value is derived from the existence of a convex payoff around an exercise value e. none of the above

Answers

Answer:

The answer is A.

Explanation:

Firstly, what is a derivative? - A derivative is a financial instrument that derives its value from the value of the underlying asset(bonds, equity etc) or forward rate agreement in the case of interest rate swap. A derivative transforms the value of the underlying.

Examples of derivative are, forward contract, futures, options, swaps etc.

Therefore, option A is the correct option.

Garcia Company issues 10%, 15-year bonds with a par value of $230,000 and semiannual interest payments. On the issue date, the annual market rate for these bonds is 8%, which implies a selling price of 117 1/4. The effective interest method is used to allocate interest expense.
1. Using the implied selling price of 117 1/4, what are the issuer's cash proceeds from issuance of these bonds.
2. What total amount of bond interest expense will be recognized over the life of these bonds?
3. What amount of bond interest expense is recorded on the first interest payment date?

Answers

Answer:

A.$269,675

B.$305,325

C.$10,787

Explanation:

Requirement A Cash proceeds

Cash proceeds can find out by multiplying par value with the selling price

Cash proceeds = Par Value x Selling price

Cash proceeds = $230,000 x 117.25%

Cash proceeds = $269,675

Requirement B Interest Expense

Bond interest expense =Total repayment -Amount borrowed(REQ.A)

Bond interest expense = $575,000(w) - $269,675

Bond interest expense = $305,325

Workings

Semi-annual interest expense =  $230,000 x 10% x 6/12

Semi-annual interest expense = $11,500

Total payment would be 30 for 15 years

Total payment = $11,500 x 30

Total payment = $345,000

Total repayment = Par value + $345,000

Total repayment = $230,000 + $345,000

Total repayment = $575,000

Requirement C Bond interest expense on the first interest payment date

Bond interest Expense = $269,675(REQ.A) x 8% x 6/12

Bond interest Expense = $10,787

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