After visiting several automobile dealerships, Richard selects the used car he wants. He likes its $14,400 price, but financing through the dealer is no bargain. He has $3,500 cash for a down payment, so he needs an $10,900 loan. In shopping at several banks for an installment loan, he learns that interest on most automobile loans is quoted at add-on rates. That is, during the life of the loan, interest is paid on the full amount borrowed even though a portion of the principal has been paid back. Richard borrows $10,900 for a period of four years at an add-on interest rate of 12 percent. What is the total interest on Richard's loan? What is the total cost of the car?

Answers

Answer 1

Answer:

Richard

a. The total interest on Richard's loan is:

= $5,232.

b. The total cost of the car is:

= $19,632.

Explanation:

a) Data and Calculations:

Cost of car selected = $14,400

Down payment on car = 3,500

Loan obtained =          $10,900

Interest rate = 12% add-on

Period of loan = 4 years

Total interest on the loan = $5,232 ($10,900 * 12% * 4)

Total cost of the car = $19,632 ($14,400 + $5,232)

b) Richard will be paying annual interest of $1,308 for four years, which will total $5,232 since interest is paid on the full amount borrowed for each year, despite the fact that some portion of the principal has been repaid.


Related Questions

Using the data below, compute DEBT RATIO.

Using the data below, compute Return on Equity.

Accounts Payable 800
Accounts Receivable 1,100
Capital Stock 2,000
Cash 50
Cost of Goods Sold 6,000
Inventory 1,500
Long-term Debt 1,820
Net Income 950
Property, Plant, and Equipment (net) 3,000
Retained Earnings 1,030
Sales 10,000
Market value of shares 12,000

Answers

Answer:

a. Total Liabilities = Accounts Payable + Long-term Debt

Total Liabilities = 800 + 1,820

Total Liabilities = $2,620

Total Assets = Accounts Receivable + Cash + Inventory + Property, Plant, and Equipment (net)

Total Assets = 1,100 + 50 + 1,500 + 3,000

Total Assets = $5,650

Debt Ratio = Total Liabilities / Total Assets

Debt Ratio = $2,620 / $5,650

Debt Ratio = 0.463717

Debt Ratio = 46.37%

b. Return on Equity = Net Income / Shareholder Equity

Return on Equity = Net Income / (Capital Stock + Retained Earnings)

Return on Equity = $950 / ($2,000+$1,030)

Return on Equity = $950 / $3,030

Return on Equity = 0.31353135

Return on Equity = 31.35%

The following data was identified by Raines Corp. in preparation of its bank reconciliation on October 31, 2017:

Bank statement balance $30,700
Raines' book balance (before adjustments) ?
Outstanding checks 4200
NSF checks 400
Service charge 300
Deposits in transit 3100
Interest earned on checking amount 100

Required:
What is the adjusted cash balance on October 31, 2017?

Answers

Answer:

the  adjusted cash balance on October 31, 2017 is $29,600

Explanation:

The computation of the  adjusted cash balance on October 31, 2017 is shown below:

Bank statement balance $30,700

Add: Deposits in transit $3,100

Less; Outstanding checks $4,200

Adjusted cash balance on October 31, 2017 $29,600

hence,  the  adjusted cash balance on October 31, 2017 is $29,600

Why can we be confident that the market for college education is competitive and that an increase in demand rather than the greed of college administrators is the reason for the ongoing rise in​ tuition? We can be confident that the market for college education is competitive and that an increase in demand rather than the greed of college administrators is the reason for the ongoing rise in tuition for all of the following reasons except ​ _______.

Answers

Question Completion:

A.  if college administrators raised the tuition with no change in​ supply, a surplus of college places would be created at the higher ​tuition, and the tuition would start to fall

B.  the law of demand does not hold

C.  more than​ 4,500 public and private​ 2-year and​ 4-year schools supply college education services

D.  an increase in demand raises the tuition and increases the ​enrollment, which accurately describes the market for college education

Answer:

We can be confident that the market for college education is competitive and that an increase in demand rather than the greed of college administrators is the reason for the ongoing rise in tuition for all of the following reasons except ​ _______.

B.  the law of demand does not hold

Explanation:

The law of demand implies that the price of a good or service responds to the level of demand. In other words, higher demand increases the price, while lower demand reduces the price.  This implies that without the higher demand for college education, college administrators will not be able to sustain an increase in tuition.  Therefore, an increase in the demand for college education will lead to increased enrollment, which spurs college administrators to raise tuition.

The manufacture of a popular mouthwash liquid brand is losing sales to a competitor who has been able touse bulk purchasing of its main ingredients from its wholesalers to receive a substantial price break in materials. Which IT management challenge is addressed in this scenario?

Answers

Answer:

Develop strong relationship with supplier

Explanation:

A good relationship with the supplier would provide the business the needed support just as it does to the competitor. This would make business to come to the way of the supplier.

Buying in bulks is a good way of making purchases because it is a way to get products at a cheaper rate

discuss how business risks are both inevitable and unavoidable​

Answers

Answer:

Risk is inevitable in everything we do. ... There may be some unlikely but high impact risks, for example, the risk that the solution could cause the destruction of the organisation (see the case studies below). The good Project Manager will constantly assess the risks and take action as needed.

Gross Domestic Product equals $1.2 trillion. If consumption equals $690 billion, investment equals $200 billion, and government spending equals $260 billion, then:

Answers

Answer:

imports exceed exports by $50 billion.

Explanation:

Calculation to determine how much imports exceed exports

Gross Domestic Product $1.2 trillion

Less Consumption ($690 billion)

Less Investment ($200 billion)

Less Government spending ($260 billion)

($1.2 trillion-$690 billion-$200 billion-$260 billion)

Then:imports exceed exports by $50 billion

$
$
$
2,400.00
1,560.00
4,800.00
15,672.00
50,001.00
las en
50,000.00
50,001.00
(1.00)
$

Answers

Answer:

english pls

Explanation:

On December 31, journalize the write-offs for 2016 under the allowance method. Also, journalize the adjusting entry for uncollectible accounts. The company recorded $5,250,000 of credit sales during 2016. Based on past history and industry averages, ¾% of credit sales are expected to be uncollectible. Refer to the Chart of Accounts for exact wording of account titles.
Casebolt Company wrote off the following accounts receivable as uncollectible for the first year of its operations ending December 31, 2016:
Customer Amount
Shawn Brooke $4,650
Eve Denton 5,180
Art Malloy 11,050
Cassie Yost 9,120
Total $30,000

Answers

Answer:

Casebolt Company

Journal Entries:

Dec. 31, 2016

Debit Allowance for Uncollectible Accounts $30,000

Credit Accounts Receivable $30,000

To write-off uncollectible accounts.

Dec. 31, 2016

Debit Bad Debts Expenses $69,375

Credit Allowance for Uncollectible Accounts $69,375

To record bad debts for the year and bring the Allowance for Uncollectibles to a credit balance of $39,375.

Explanation:

a) Data and Calculations:

Credit sales for 2016 = $5,250,000

Uncollectible allowance based on past history and industry = 3/4% = $39,375 ($5,250,000 * 3/4%)

Actual accounts written off as uncollectible = $30,000

Customer Amount

Shawn Brooke   $4,650

Eve Denton           5,180

Art Malloy            11,050

Cassie Yost          9,120

Total                $30,000

Analysis:

Dec. 31, 2016 Allowance for Uncollectible Accounts $30,000 Accounts Receivable $30,000

Dec. 31, 2016 Bad Debts Expenses $69,375 Allowance for Uncollectible Accounts $69,375

Charu Khanna received a Form 1099-B showing the following stock transactions and basis during 2019 Stock Date Purchased Date Sold Sales Price ($) Cost Basis ($) 4,000 shares Green Co. 06/04/07 08/05/19 12,000 3,000 500 shares Gold Co. 02/12/17 09/05/19 54,000 62,000 5,000 shares Blue Co. 02/04/08 10/08/19 18,000 22,000 100 shares Orange Co. 11/15/18 07/12/19 19,000 18,000 None of the stock is qualified small business stock. The stock basis was reported to the IRS. Calculate Charu's net capital gain or loss using Schedule D and Form 8949. (Click done and save once the forms are completed) Submit your forms below.

Answers

Answer:

Charu Khanna

The Net capital loss is:

= $2,000.

Explanation:

a) Stock Transactions and Data during 2019:

Stock                                  Date      Date Sold  Sales Price ($) Cost Basis ($)

                                      Purchased

4,000 shares Green Co. 06/04/07 08/05/19       12,000              3,000

500 shares Gold Co.        02/12/17 09/05/19      54,000            62,000

5,000 shares Blue Co.   02/04/08  10/08/19       18,000            22,000

100 shares Orange Co.     11/15/18   07/12/19       19,000            18,000

Total                                                                   $103,000       $105,000

Net capital loss:

Long-term capital loss = $3,000

Short-term capital gain = $1,000

Net capital loss =            $2,000 ($3,000 - $1,000)

Spotify just paid a cash dividend of $1 per share. Investors require a 16% return from investments such as this. If the dividend is expected to grow at a steady 6 percent per year, what is the current value of the stock

Answers

Answer:

$10.60

Explanation:

according to the constant dividend growth model

price = d1 / (r - g)

d1 = next dividend to be paid

r = cost of equity

g = growth rate

1(1.06) / 0.16 - 0.06

1.06/0.10 = 10.60

The WACC is used to _______ the expected cash flows when the firm has ____________. Select one: a. decrease; short term financing on the balance sheet b. discount; short term financing on the balance sheet c. discount; debt and equity in the capital structure d. increase; debt and equity in the capital structure

Answers

Answer:

c

Explanation:

WACC = weight of equity x cost of equity + weight of debt x cost of debt x (1 - tax rate)

weight of debt = D / (D + E)  

It is used to discount the expected cash flows when the firm has debt and equity in the capital structure. It is suitable because in the calculation of WACC, debt and equity are included

For each example listed, decide if the good is a normal good or an inferior good. Make sure you answer from the perspective of the individual or individuals doing the buying or consuming. You are currently in a labeling module. Turn off browse mode or quick nav, Tab to items, Space or Enter to pick up, Tab to move, Space or Enter to drop. Billy's mom increases his weekly allowance by $ 5 . As a result, Billy increases the number of apps he downloads on his smartphone. Smartphone apps are Susan gets a 15 percent performance bonus at work. She can finally stop eating so many frozen pizzas and eat something more tasty. Frozen pizzas are Mike is an appliance salesman. Refrigerator sales in his store have fallen and so has his commission. Mike decides to switch from name brand cereal to generic cereal. Generic cereal is Hair stylist Molly loses a few of her clients. Molly cuts back on the number of smoothies she buys during the week. Smoothies are:______.

Answers

Answer and Explanation:

In the case when the income increased so the demand also increased so the goods are classified as the normal goods. Therefore the apps are normal goods

In the case when the income increased but the demand declines so it is to be considered as the inferior goods so frozen pizzas are inferior goods

In the case when there is the decline in the income due to this the income rises so the goods are inferior goods. So, the generic cereal is an inferior goods

In the case when the income declines so the demand also declines this meand the goods are normal goods. So, smoothies are normal goods  

A buyer uses a periodic inventory system, and on December 5, it purchases $4,000 of merchandise on credit terms of 2/10, n/30. Complete the journal entry by selecting the account names from the drop-down menus and entering the dollar amounts in the debit or credit columns.Date Account Title Debit Credit Dec. 15

Answers

Answer and Explanation:

The journal entry is shown below:

On dec 5

Purchase Dr $4,000

   To account payable $4,000

(being inventory purchase on account is recorded)

Here the inventory is to be debited as it increased the assets and credited the account payable as it also increased the liabilities

An investor in the 32% tax bracket is considering two investment options of equal risk: a corporate bond that yields 8.25% and a municipal (muni) bond that yields 4.75%. Assuming the investor will select the bond with the highest yield, which bond should this investor choose

Answers

Answer: Corporate bond

Explanation:

It should be noted that the municipal bond aren't taxable. Therefore, its yield will be 4.75%.

On the other hand, the After Tax Cost of the yield of the corporate bond will be:

= Yield × (1-Tax Rate)

= 8.25% × (1-35%)

= 8.25% × 65%

= 5.36%

Therefore, the Corporate Bond should be chosen since it has a higher yield.

A process costing system is employed in those situations where: Group of answer choices full or absorption cost approach is not employed. many different products, jobs, or batches of production are being produced each period. a service is performed such as in a law firm or an accounting firm. where manufacturing involves a single, homogeneous product that flows evenly through the production process on a continuous basis.

Answers

Answer:

where manufacturing involves a single, homogeneous product that flows evenly through the production process on a continuous basis.

Explanation:

Process costing can be regarded as accounting methodology which helps in tracing and accumulation of direct costs, s well s allocation of indirect costs of a manufacturing process. In this method, Costs are been assigned to products, and this is usually in a large batch, and could encompass an entire month's production.

It should be noted that process costing system is employed in those situations where where manufacturing involves a single, homogeneous product that flows evenly through the production process on a continuous basis.

the process of providing focus for employees and motivating them to achieve organizational gool's. Select one a. Effective b. Directing c.Controlling d. Planning

Answers

Answer:

directing

Explanation:

with directing you instruct your employees on what to do thus providing focus

Which of the following costs is an example of a Selling & Administrative (S&A) cost rather than a product cost? Group of answer choices Depreciation on production equipment. Wages of salespersons. Wages of production machine operators. Insurance on factory equipment.

Answers

Answer:

The answer is B.

Explanation:

Option B. Wages of sales person are the example of a Selling and Administrative cost. Other examples are rents, distribution cost etc.

Option C is wrong. Wages of production machine operators is a direct wage. It will form part of cost of sales.

Option D is wrong. Insurance on factory equipment cannot be attributable to selling cost.

Nesmith Corporation's outstanding bonds have a $1,000 par value, a 7% semiannual coupon, 15 years to maturity, and an 8% YTM. What is the bond's price? Round your answer to the nearest cent.

Answers

Answer:

$913.54

Explanation:

Calculation to determine the bond's price

Using Financial calculator to solve for PV( PRESENT VALUE)

N = 2 × 15 = 30

I/YR = 8%/2 = 4%

PMT = 1,000*7%*1/2=35

FV = 1000

PV=?

Hence,

PV = $913.54

Therefore the bond's price is $913.54

Effects of recognizing accrued interest on financial statements LO 9-1
Bill Darby started Darby Company on January 1, Year 1. The company experienced the following events during its first year of operation:
1. Earned $1,300 of cash revenue.
2. Borrowed $2,400 cash from the bank.
3. Adjusted the accounting records to recognize accrued interest expense on the bank note. The note, issued on September 1, Year 1, had a one-year term and an 10 percent annual interest rate.
Required:
a. What is the amount of interest payable at December 31, Year 12?
b. What is the amount of interest expense in Year?
c. What is the amount of interest paid in Year?
d. Use a horizontal statements model to show how each event affects the balance sheet income statement, and statement of cash flows.

Answers

Answer:

Darby Company

a. The amount of the interest payable at December 31, Year 1 is $80.

b. The amount of the interest expense in Year 1 is $80.

c. The amount of interest paid in Year 1 is $0.

d. Horizontal Statements Model:

Balance Sheet                       Income Statement                     Statement of

                                                                                                 Cash Flows

Assets = Liabilities + Equity  Income = Revenue - Expenses

1. +$1,300 = 0 +        $1,300  $1,300  = $1,300                        OA cash inflow

2. +$2,400 = $2,400+ 0                                                           FA cash inflow

3. 0           =        $80 + ($80)  ($80)   = 0       -      ($80)          None

$3,700 = $2,480 +  $1,220  $1,220 = $1,300 -    $80  

Explanation:

a) Data and Calculations:

1. Cash $1,300 Revenue $1,300

2. Cash$2,400 10% Bank Note Payable $2,400

3. Interest Expense $80 Interest Payable $80 )$2,400 * 10% * 4/12)

Giả sử Công ty TNHH Đông Đô mua 1 bản quyền công nghệ
sản xuất dứa quả xuất khẩu của Nhật Bản với giá là 500.000USD (tỷ
giá 16.000VNĐ/USD) tính ra bằng 800 triệu VNĐ, thanh toán theo
hình thức thư tín dụng (L/C) thông qua Ngân hàng Ngoại thương Việt
Nam, thuế nhập khẩu 10% và thuế GTGT hàng nhập khẩu 10%. Công
ty đã nộp các khoản thuế trên bằng chuyển khoản. Chi phí đăng ký
pháp lý liên quan đến bản quyền công nghệ trong nước là 16,5 triệu đã
trả bằng tiền mặt (thuế GTGT 10%). Biết rằng doanh nghiệp thực hiện
tính nộp thuế GTGT theo phương pháp khấu trừ.
Yêu cầu : Xác định nguyên giá TSCĐ vô hình vừa mới được mua
(Biết rằng TSCĐ vô hình được đưa vào sử dụng ngay)

Answers

Answer:fjdkndnfnf

Explanation:bfnfnndndnfnfnwd

Assume the licorice industry is perfectly competitive. Each firm produces 2 million strings per year. The strings have an average total cost of $0.20, and sell for $0.30. a. What is the marginal cost of a string? b. Is the industry in long-run equilibrium? Why or why not? Explain.

Answers

Answer:

   a. $0.30

   b. No it is not.

Explanation:

a. In a perfectly competitive industry, the profit is maximized at the point where Marginal Revenue = Marginal cost.

At the same time Marginal Revenue in a perfectly competitive industry is equal to Price.

As the price is $0.30 then this must be the Marginal cost as well.

b. When a perfectly competitive industry is in a long term equilibrium, the Average Total cost is at its lowest level.

The Marginal cost would intersect the Average Total cost curve at the lowest which means that the Marginal cost should be the same as the Average Total cost when the industry is in a long term equilibrium.

As they are not the same, the industry is not in a long-run equilibrium.

The HR planning process should be aligned with the strategic process of the organization in general. It will show how HR will contribute to the achievement of goals and objectives the organization has determined as a whole. As part of the planning process, HR should perform a job analysis. To have a better understanding of the job analysis, you should answer all of the following questions for this assignment: Judge the job analysis process of an organization you are familiar with and indicate whether it is an effective one. Judge a job description and job specification for any job selected that was performed with that job analysis process. Indicate how you would improve it and explain its importance.

Answers

Answer:

Rating employees according to their performance against the key performance indicators.

Explanation:

HR has responsibility to hire, fire and appraise employees. An employee is appraised after his performance is analyzed. There are certain job specifications which an employee must satisfy in order to stay in the company. This is the main objectives for which a company has hired an employee. If an employee performs beyond expectation the he may qualify for promotions.

Burkhardt Corp. pays a constant $15.25 dividend on its stock. The company will maintain this dividend for the next 9 years and will then cease paying dividends forever. If the required return on this stock is 9.2 percent, what is the current share price

Answers

Answer:

$90.69

Explanation:

Current share price can be determined by calculating the present value of the cash flows

Present value is the sum of discounted cash flows

Present value can be calculated using a financial calculator

Cash flow in year 1 to 9 = 15.25

I = 9.2

PV = 90.67

To find the PV using a financial calculator:

1. Input the cash flow values by pressing the CF button. After inputting the value, press enter and the arrow facing a downward direction.

2. after inputting all the cash flows, press the NPV button, input the value for I, press enter and the arrow facing a downward direction.  

3. Press compute  

"On April 3, Erin Garnder received her bank statement showing a balance of $2,087.93 Her checkbook showed a balance of $1,493.90. Outstanding check were $224.15, $327.80, $88.10, $122.42, and $202.67. There was an $8.00 service charge, and the deposits in transit amounted to $813.11. There was an electronic payroll deposit of $450.00. The reconciled balance is:"

Answers

Answer:

$1,935.90

Explanation:

We prepare a Bank Reconciliation Statement to determine the  reconciled balance as follows :

Erin Garnder

Bank Reconciliation Statement

Balance as per Bank Statement                                            $2,087.93

Add Outstanding Lodgments                                                      $813.11

Less Unpresented checks

($224.15 + $327.80 + $88.10 + $122.42 +  $202.67)              ($965.14)

Balance as per Cash Book                                                      $1,935.90  

Therefore,

The reconciled balance is: $1,935.90

On January 1, Year 1, the City Taxi Company purchased a new taxi cab for $36,000. The cab has an expected salvage value of $2,000. The company estimates that the cab will be driven 200,000 miles over its life. It uses the units-of-production method to determine depreciation expense. The cab was driven 45,000 miles the first year and 48,000 the second year. What would be the depreciation expense reported on the Year 2 income statement and the book value of the taxi, respectively, at the end of Year 2?
a. $8,640 and $19,260
b. $8,640 and $17,260
c. $8,160 and $20,190
d. $8,160 and $18,190

Answers

Answer:

C

Explanation:

Activity method based on output = (output produced that year / total output of the machine) x (Cost of asset - Salvage value)

year 2 = (48,000 / 200,000) x (36,000 - 2000) = 8160

book value = cost of asset - accumulated depreciation

accumulated depreciation = year 1 + year 2's depreciation

year 1 =  (45,000 / 200,000) x (36,000 - 2000) =

- 200,000 - (7650 + 8160) =

When creating a company's security policy, it is not necessary that the scope align with the company's annual information security budget. True False

Answers

Answer:

False, you would want them to align.

Explanation:

In analyzing company operations, the controller of the corporation found a $250,000 favorable flexible-budget revenue variance. The variance was calculated by comparing the actual results with the flexible budget. This variance can be wholly explained by

Answers

Answer: C. changes in unit selling prices.

Explanation:

The options given are:

a. the total flexible budget variance

b. the total static budget variance

c. changes in unit selling prices

d. changes in the number of units sold

Based on the information given, the variance can be wholly explained by changes in unit selling prices.

This is due to the fact that the flexible budget revenue variance is calculated and gotten as the difference between the budgeted revenue and the actual revenue at thesame activity level.

Therefore, the number of units will be thesame in both the actual results and the flexble budget. Then, the difference will be as a result of the change in the unit selling price.

You are considering purchasing a piece of industrial equipment that costs 30000. You decide to make a down payment in the amount of 5000 and to borrow the remainder from a local bnak at an interest rate of 9% compounded monthly, which is to be paid for 36 monthly installments. The amount of the monthly payment is nearest to:_________

a. $954
b. $833
c. S795
d. $694

Answers

Answer:

b

Explanation:

Goose Corporation, a C corporation, incurs a net capital loss of $12,000 for 2020. It also has ordinary income of $10,000 in 2020. Goose had net capital gains of $2,500 in 2016 and $5,000 in 2019.
a. Determine the amount, if any, of the net capital loss of $12,000 that is deductible in 2020.
b. Determine the amount, if any, of the net capital loss of $12,000 that is carried forward to 2017.

Answers

Answer:

a. The amount of the net capital loss of $12,000 that is deductible in 2020 is zero.

b. The amount of the net capital loss of $12,000 that is carried forward to 2021 is $7,000.

Explanation:

Sections 1211 and 1212 of the Internal Revenue Code (IRC) address capital losses of corporations and declare that:

Corporation capital losses are not allowed to be deducted from ordinary income.For that year, corporations can only deduct capital losses up to the amount of capital profits from other assets.Any capital losses that haven't been deducted because there aren't any more capital gains can be carried back three years and forward five years.

As a result of the foregoing, we have:

a. Determine the amount, if any, of the net capital loss of $12,000 that is deductible in 2020.

Because there are no capital gains in 2020, no portion of the $12,000 net capital loss is deductible in 2020. It cannot be deducted from ordinary income in 2020.

Therefore, the amount of the net capital loss of $12,000 that is deductible in 2020 is zero.

b. Determine the amount, if any, of the net capital loss of $12,000 that is carried forward to 2017.

Note: This question b is not correct because the 2017 is used instead of 2021 as the year. It therefore correctly stated before answering the question as follows:

Determine the amount, if any, of the net capital loss of $12,000 that is carried forward to 2021.

The explanation of the answer is now given as follows:

Because businesses can carry back three years and forward five years, the amount to carry forward to 2021 will be the difference of $12,000 in capital losses for 2020 and $5,000 in capital gains for 2019, which is $7,000 (i.e. $12,000 - $5,000 = $7,000).

Therefore, the amount of the net capital loss of $12,000 that is carried forward to 2021 is $7,000.

Assume the following sales data for a company: 2013 $945,000 2012 877,500 2011 650,000 If 2011 is the base year, what is the percentage increase in sales from 2011 to 2012? Group of answer choices 24% 35% 76% 135%

Answers

Answer:

35%

Explanation:

percentage increase in sales from 2011 to 2012 = (sales in 2012 / sales in 2011) - 1

(877,500 / 650,000) - 1 = 0.35 = 35%

Other Questions
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