Selecting a CD. Casey has $1,000 to invest in a certificate of deposit. Her local bank offers her 2.5% on a 12-month FDIC-insured CD. A nonfinancial institution offers her 5.2% on a 12-month CD. What is the risk premium

Answers

Answer 1

Answer: 2.7%

Explanation:

A risk premium simply means the investment return thstna particular asset will be expected to yield which is in excess of the assets risk-free rate of return.

The risk premium will be:

= Total return - Risk free rate

= 5.2% - 2.5%

= 2.7%

Therefore, the risk premium is 2.7%.


Related Questions

4. Which of the following statements about the relationship between interest rates and bond prices is true?
I. There is an inverse relationship between bond prices and interest rates
II. There is a direct relationship between bond prices and interest rates
III. The price of short-term bonds fluctuates more than the price of long-term bonds for a given change in interest rates. (Assuming that coupon rate is the same for both)
IV. The price of long-term bonds fluctuates more than the price of short-term bonds for a given change in interest rates. (Assuming that the coupon rate is the same for both)

Answers

Answer:

1 is correct .

Explanation:

when the cost of borrowing money rises bond price usually fall and vice versa.

In January, 2018, ABC. sells a gift card for $50 and receives cash. In February, 2018, the customer comes back and spends $20 of their gift card on a water bottle. What would be the appropriate journal entry for the purchase of the water bottle?3

Answers

Answer and Explanation:

The journal entry to record the purchase of the water bottle is shown below:

Deferred Revenue $20

       To Sales Revenue, $20

(being the purchase of the water bottle is recorded)

The deferred revenue is debited as it decreased the liability and the sales revenue is credited as it increased the revenue

The above journal entry should be recorded

Given the following cash flows for a capital project for the Witter Corp., calculate its payback period and discounted payback period. The required rate of return is 8 percent. Cashflows: Year 0 = -50,000; Year 1 = 15,000; Year 2 = 15,000; Year 3 = 20,000; Year 4 = 10,000; and Year 5 = 5,000. The discounted payback period is

Answers

Answer:

4.01 years  

Explanation:

The computation of the discounted payback period is shown below;

Given that

Required rate of return is 8%

Cashflows: Year 0 = -50,000;

Year 1 = 15,000;

Year 2 = 15,000;

Year 3 = 20,000;

Year 4 = 10,000;

and Year 5 = 5,000

As we can see from the attached table that approx in 4 years it could cover $49,975

So

the discounted payback period is

= 4 years  + ($50,000 - $49,975.91) ÷ $3,402.92

= 4.01 years  

The only aim of a firm's marketing objectives revolves around buying the right media at the right price. B. They are usually defined in terms of specific outcomes such as sales volume, market share, profits, or return on investment. C. They are stated only in a company's strategic action plan. D. They are statements of what various aspects of the IMC pro

Answers

Answer: B. They are usually defined in terms of specific outcomes such as sales volume, market share, profits, or return on investment.

Explanation:

Question asks which options is true about marketing objectives.

Marketing objectives are defined in such a way that the company is able to see what it is they hope to accomplish and whether the marketing campaign will be yield a positive return on the investment put in.

They would therefore like to see if the advertisements created higher sales volume, gave them a larger market share and/or gave them more profit. These will be the objectives of the marketing campaign and will help support the decision to engage more or less in marketing.

Rodrigo was eager to make a presentation on the benefits of improvisation in the workplace. When he arrived in the conference room, he realized that seven bankers would attend the presentation via computer conferencing from offices in other states. This presentation provides an example of __________. synchronous communication in-person communication co-located communication asynchronous communication

Answers

Answer:

synchronous communication

Explanation:

The above question refers to an example of synchronous communication, which occurs when there is communication between two or more people in real time, not requiring physical presence, but which can occur virtually, such as through videoconferences and phone calls.

In the above situation, Rodrigo would make a presentation at work that would be attended in real time by seven bankers, through a computer conference of offices in other states, in real time, so it is correct to say that this example refers to synchronous communication.

In the work environment, synchronous communication in a virtual way is very beneficial because it allows the integration between work teams, customers and branches of the company, without the need for physical presence, which increases the speed of organizational processes and decisions, reduces the costs and enables greater organizational coordination.

Hilary had an outside basis in LTL General Partnership of $18,000 at the beginning of the year. LTL reported the following items on Hilary's K-1 for the year: ordinary business income of $13,000, a $18,000 reduction in Hilary's share of partnership debt, a cash distribution of $28,000, and tax-exempt income of $11,000. What is Hilary's adjusted basis at the end of the year

Answers

Answer:

$4,000 of capital gain leaving her with a $0 basis in her partnership interest.

Explanation:

Calculation to determine What is Hilary's adjusted basis at the end of the year

Ending adjusted basis =($18,000 + $13,000 + $11,000 - $18,000 - $28,000 = $(4,000) + $4,000 = 0).

Based on the above calculation Hilary's adjusted basis at the end of the year will be the amount of $4,000 of CAPITAL GAIN leaving her with a $0 BASIS in her partnership interest.

Marsh Company had 150 units of product A on hand at January 1, year 2, costing $21 each. Purchases of product A during the month of January were as follows: Units Unit cost Jan. 10 200 $22 18 250 23 28 100 24 A physical count on January 31, year 2, shows 250 units of product A on hand. The cost of the inventory at January 31, year 2, under the LIFO method is

Answers

Answer:

$5,850

Explanation:

Calculation to determine what The cost of the inventory at January 31, year 2, under the LIFO method is

Using this formula

Cost of inventory= January 28 units * Cost per unit + Remaining units *Cost per unit

Let plug in the formula

Cost of inventory= 100 units * $24 + 150 units *$23

Cost of inventory= $2,400 + $3,450

Cost of inventory= $5,850

Therefore The cost of the inventory at January 31, year 2, under the LIFO method is $5,850

A company acquired some land (independently appraised at $13,300) and paid for it by issuing 1,130 shares of its common stock (par $10 per share; no market price was quoted). How should this be reported on the statement of cash flows

Answers

Answer:

reported as a significant noncash investing and financing activities

Explanation:

Since the company purchased some land for $13,300and for the same it is paid 1130 shares for $10 per share

Now as we know that in the cash flow statement only cash transactions are involved but here no cash transaction is arised

So, it would be reported as a significant noncash investing and financing activities

Assume that the reserve requirement is 10 percent. Also assume that banks do not hold excess reserves and there is no cash held by the public. The Federal Reserve decides that it wants to expand the money supply by $50 million using open-market operations. In order to accomplish its goal, the Fed needs to $____________ million worth of bonds.

Answers

Answer:

$5 million

Explanation:

Required reserves is the percentage of deposits required of banks to keep as reserves by the central bank

Required reserves = reserve requirement x deposits

Increase in the total value of checkable deposit is determined by the money multiplier

Money multiplier = amount deposited / reserve requirement

0.1 x 50 million = 5 million

Fred has been assigned to conduct a SWOT analysis for his organization, Acme, Inc. As part of this assignment, Fred will: a. conduct an external wage survey. b. choose a grand strategy for his firm. c. search for the strengths, weaknesses, opportunities, and threats that impact his firm. d. develop a mission. e. do a cost/benefit analysis.

Answers

Answer:

c. search for the strengths, weaknesses, opportunities, and threats that impact his firm.

Explanation:

Environmental scanning is a management strategy that focuses on systematically acquiring informations about occasions, trends, events or patterns through surveys and analysis of these information in an organisation's external and internal environment. The informations acquired through environmental scanning is then used by the executive management in strategically planning the organisation's future and exploitation of available opportunities for the success of the organization.

The internal environmental scanning offers an organization strength and weakness while the external environmental scanning provides information about opportunities and threats.

Generally, the external environmental scanning gives an overview of the opportunities in the market as well as potential threats to an organization.

In this scenario, Fred has been assigned to conduct a SWOT analysis for his organization, Acme, Inc. As part of this assignment, Fred will search for the strengths, weaknesses, opportunities, and threats that impact his firm.

Additionally, SWOT analysis is a strategic technique which is used by various companies or business firms to plan through the identification of its strength, weakness, opportunities and threats in relation to its business.

g reported pretax accounting income of $860 million for the current year. Depreciation reported in the tax return in excess of depreciation in the income statement was $1,140 million. The excess tax will reverse itself evenly over the next three years. The current year's tax rate of 25% will be reduced under the current law to 30% next year and 35% for all subsequent years. At the end of the current year, the deferred tax liability related to the excess depreciation will be:

Answers

Answer: $380 million

Explanation:

To solve the question, first we have to calculate the depreciation that'll be reported for each year and this will be:

= $1140 million/3 years

= $380 million

Then, the deferred tax liability related to the excess depreciation will be:

= ($380 million × 30%) + ($380 million ×

35%) + ($380 million × 35%)

= $114m + $133m + $133m

= $380 million

The financial statements of the Blue Spruce Corp. report net sales of $384000 and accounts receivable of $56400 and $36000 at the beginning of the year and the end of the year, respectively. What is the average collection period for accounts receivable in days

Answers

Answer:

44 days

Explanation:

First, we have to calculate accounts receivable turnover Blue Spruce Inc.

= $384,000 / [($56,400 + $36,000) / 2 ]

= $384,000 / $46,200

= 8.31 times

Then, to calculate the average collection period for accounts receivable, it will be :

= 365 days / 8.31

= 43.92

= 44 days aprox.

For financial reporting, Clinton Poultry Farms has used the declining-balance method of depreciation for conveyor equipment acquired at the beginning of 2018 for $2,560,000. Its useful life was estimated to be six years with a $160,000 residual value. At the beginning of 2021, Clinton decides to change to the straight-line method. The effect of this change on depreciation for each year is as follows:

Year Straight-Line Declining Balance Difference
2018 $400 $853 $453
2019 400 569 169
2021 400 379 (21)
$1,200 $1,801 $601

Required:
Prepare any 2018 journal entry related to the change?

Answers

Answer:

A change in the depreciation method is not a change of accounting policies. Therefore, this change will not require any retrospective journal entry for 2018. Changes in depreciation methods are prospective, meaning that they affect future values, not past values. This is considered a change in an accounting estimate.

Explanation:

Direct Materials Variances Bellingham Company produces a product that requires nine standard pounds per unit. The standard price is $8.5 per pound. If 2,100 units used 18,100 pounds, which were purchased at $8.93 per pound, what is the direct materials (a) price variance, (b) quantity variance, and (c) cost variance

Answers

Answer:

The correct answer is:

(a) -7783

(b) 6800

(c) -983

Explanation:

According to the given values in the question:

(a)

The price variance will be:

= [tex](8.5-8.93)\times 18100[/tex]

= [tex]-0.43\times 18100[/tex]

= [tex]-7783[/tex] (Favorable)

(b)

The quantity variance will be:

= [tex](2100\times 9-18100)\times 8.5[/tex]

= [tex](18900-18100)\times 8.5[/tex]

= [tex]800\times 8.5[/tex]

= [tex]6800[/tex] (Unfavorable)

(c)

The cost variance will be:

= [tex](2100\times 9\times 8.5)-(18100\times 8.93)[/tex]

= [tex](160650)-(161633)[/tex]

= [tex]-983[/tex] (Favorable)

Hearn Enterprises orally agreed to buy 100 turbines from Midwest Turbine, Inc. at a cost of $1,000 each (for a total contract price, therefore, of $100,000. Midwest sent 40 turbines and Hearn accepted the shipment, sending payment for $40,000. However, Hearn had its major client cancel a job, so they no longer needed the turbines. Hearn attempted to rescind, reasoning that because there was no writing and the contract fell within the Statute of Frauds they were not bound. A court would probably conclude: Group of answer choices

Answers

Answer: a. There was not an enforceable agreement. However under the UCC, part performance makes that portion of the agreement binding on Hearn. Hearn may not return the 40 turbines, but is not obligated to purchased the remaining 60.

Explanation:

The Statute of Frauds under the Uniform Commercial Code requires that for a contract with a value higher than $500 for goods to be enforceable, it needs to be in writing. This contract is therefore not enforceable.

However, there is an exception to this rule for performance or partial performance. If the parties have already partially completed the contract for instance, the completed portion is enforceable. The remaining portion however, is not, and therefore can be renegaded upon.

The returns from an investment are 3% in Year 1, 7% in Year 2, and 19.8% in the first half of Year 3. Calculate the annualized return for the entire period. (Round your intermediate calculations to at least 4 decimal places and final answer to 2 decimal places.)

Answers

Answer:

i  hhhhhhh 136t8

Explanation:

dont kno

Waterway Company borrowed $950000 from BankTwo on January 1, 2020 in order to expand its mining capabilities. The five-year note required annual payments of $257042 and carried an annual interest rate of 10%. What is the amount of interest expense Waterway must recognize on its 2021 income statement

Answers

Answer:

$78,795.80

Explanation:

Interest Expenses for 2020 = $950000 * 10% = $95,000

Total Payment in 2020 = $257,042

Principal Repaid = $257,042 - $95,000 = $162,042

Outstanding Principal = $950,000 - $162,042 = $787,958

Interest Expenses for 2021 = $787,958 * 10%

Interest Expenses for 2021 = $78,795.80

So, the amount of interest expense Waterway must recognize on its 2021 income statement is $78,795.80.

Net Income $1,200 ($500) $2,300 Net Cash Flows $500 $300 $2,800 Dividends $200 $0 $200 Issuance of Stock $2,000 $0 $0 The above amounts represent totals from the first three years of operations. Calculate the balance of Retained Earnings at the end of 2018.

Answers

Answer:

$2,600

Explanation:

The computation of the balance of Retained Earnings at the end of 2018 is shown below;

= net income - dividend

= $1,200 - $500 + $2,300 - $200 - $0 - $200

= $2,600

We simply deduct the dividend amount from the net income so that the balance of the retained earning could come

When banks are very cautious about lending money and therefore hold excess reserves, then: Question 29 options: it hinders contractionary monetary policy. expansionary monetary policy remains unaffected. contractionary monetary policy remains unaffected. it hinders expansionary monetary policy.

Answers

Answer:

The correct answer is the third option: Contractionary monetary policy remains unaffected.

Explanation:

To begin with, in the field of macroeconomics the "monetary policy" refers to the decisions that proper authority takes in order to adjust the amount of money that is in circulation. Therefore that it exists two types of monetary policy, the contractionary and the expansionary one. The first policy focus on the fact of reducing the amount of money that is already in circulation for the people and that is why that if the banks decide not to lend money then the contractionary policy will not be affected due to the fact that the action taken by the bank is what the authoraty wants.

$85,000 and Rocko can also receive $38,000 for trading in the old machine. The new machine will reduce variable manufacturing costs by $14,000 per year over its five-year life. Should the machine be replaced

Answers

Answer: Yes, because income will increase by $23,000.

Explanation:

Since the new machine will reduce variable manufacturing costs by $14,000 per year over its five-year life, the savings for the five years will be:

= $14000 × 5

= $70000

The extra cost needed will be:

= $85000 - $38000

= $47000

Based on the above calculation, the net gain will be:

= $70000 - $47000

= $23000.

Therefore, the machine should be replaced because income will increase by $23,000.

Larkspur, Inc. reports net income of $89,770 in 2017. However, ending inventory was understated by $7,100. Collapse question part (a) What is the correct net income for 2017

Answers

Answer:

$96,870

Explanation:

The understatement of ending inventory causes the cost of goods sold to be overstated and the gross and net income to be understated by the same amount.

If the 2017 ending inventory was understated by $7,100 then the correct net income figure for 2017 will be $7,1000 more that what was reported.

Therefore, 2017 corrected net income

= $89,770 + $7,100

= $96,870

one word for they have a higher than normal price to create an image of exclusivity​

Answers

Answer:

Everything which is exclusive is always expensive the higher price but quality work to create an image can give you a better result you should not compromise with the quality of the image to fit it in your budget a good image can give you a better reputation in the market the experience ones should be chosen in this manner always

Explanation:

On May 7, Jernigan Company purchased on account 510 units of raw materials at $18 per unit. During May, raw materials were requisitioned for production as follows: 153 units for Job 200 at $15 per unit and 158 units for Job 305 at $18 per unit.

Required:
Journalize the entry on May 7 to record the purchase.

Answers

Answer and Explanation:

The journal entry to record the purchase is shown below;

Materials (510 units × $18) $9,180

          To Accounts payable $9,180

(To record the purchases)

Here the material is debited as it increased the assets and credited the account payable as it also increased the liabilities

Therefore the above journal entry should be passed

Cromwell manufactures specialty electronic circuitry through a unique photo-electronic process. One of the primary products, Model GT40, has a standard labor time of 0.5 hour and a standard labor rate of $7.00 per hour. During March, the following activities pertaining to direct labor for GT40 were recorded: Direct labor hours used 2,000 Direct labor cost $12,000 Units of GT40 manufactured 3,000 The Labor rate variance and Labor efficiency variance are: Select one:

Answers

Answer:

the  labor rate variance and labor efficiency variance is $2,000 favorable and $3,500 unfavorable

Explanation:

The computation of the labor rate variance and labor efficiency variance is given below;

For Labor rate variance

= $12,000 - (2000 × 7)

= $2000 F    

And, the Labor efficiency variance is

= 7 × (2000 - 3000 × 0.5)

= $3500 U

Hence, the  labor rate variance and labor efficiency variance is $2,000 favorable and $3,500 unfavorable

Geraldine, an attorney, rendered legal services in organizing an oil and gas partnership in the current year. Instead of submitting a bill for her services. Geraldine accepted a 10% capital interest in the partnership. Geraldine's normal charge for the services performed would have been $10,000. The fair market value of the 10% interest received by Geraldine was $12,000. How much should Geraldine report on her current year's income tax return

Answers

Answer:

Geraldine

The amount that Geraldine should report on her current year's income tax return as income from the above exchange is:

= $10,000.

Explanation:

a) Data and Calculations:

Geraldine's normal charge for the services performed = $10,000

The fair market value of the 10% interest received by Geraldine = $12,000

Geraldine's partnership interest = 10%

This is because $10,000 is also her basis in the partnership interest and not $12,000 the fair market value of the 10% interest.

A cost-of-living adjustment clause: a. is required in all government employee contracts. b. forces an employer to increase wages at the same rate of inflation. c. is not allowed for private employees. d. states that no raise can be less than the rate of inflation. e. forces an employer to increase wages at a rate higher than inflation.

Answers

Answer:

b. forces an employer to increase wages at the same rate of inflation

Explanation:

In the case when the employer wants to rise the wages but it would be increased at the similar inflation rate so this represent the clause of the living cost adjustment also the living cost adjustment would remain the same

Therefore according to the given situation, the option b is correct

And, the rest of the solutions are wrong

Wichita Industries' sales are 10% for cash and 90% on credit. Credit sales are collected as follows: 30% in the month of sale, 50% in the next month, and 20% in the second following month. Wichita Industries' had $12,000 from November sales and $42,000 from December sales. Assume that total sales for January and February are budgeted to be $50,000 and $100,000, respectively. What are the expected cash receipts for February from current and past sales

Answers

Answer:

$67,060

Explanation:

February collection :

February Sales = $100,000 x 10 % + $100,000 x 90 % x 30 % = $37,000

January Sales =   $50,000 x 90 % x 50 %                                  = $22,500

December Sales = $42,000 x 90 % x 20 %                                =   $7,560

Total =                                                                                            = $67,060

therefore,

the expected cash receipts for February from current and past sales is $67,060

Innovation is the creation of something new that makes money. In order to be profitable, innovations must be both novel and useful.

a. True
b. False

Answers

Answer:

a. True

Explanation:

A product can be defined as any physical object or material that typically satisfy and meets the demands, needs or wants of customers. Some examples of a product are mobile phones, television, microphone, microwave oven, bread, pencil, freezer, beverages, soft drinks etc.

According to the economist Philip Kotler in his book titled "Marketing management" he stated that, there are five (5) levels of a product. This includes;

1. Core benefit.

2. Generic product.

3. Expected product.

4. Augmented product.

5. Potential product.

The core benefit of a product can be defined as the basic (fundamental) wants or needs that is being satisfied, met and taken care of when a customer purchase a product.

Hence, the term that refers to the first level of a product, which depends on the customer value it generates is generally referred to as a core benefit. For example, a hotel provides a comfortable and convenient bed to spend the night (sleep) when you travel for a vacation.

Innovation typically involves the creation of a new product of any category such as automobile, building, phones, electronics, etc., that generates money for the innovators or manufacturers through purchase made by the end users (consumers).

In order for the innovator to make profits, it is expected or required that his or her innovation is both novel and useful.

A company must account for a contract modification as a new contract if Group of answer choices the modification adds distinct goods or services at a price that reflects their stand-alone selling price. the seller has the right to receive consideration equal to the stand-alone selling price of the promised goods or services. the promised goods or services are distinct and separable from other goods or services promised in the original contract. the promised goods or services are distinct and the contract has commercial substance.

Answers

Answer:  the modification adds distinct goods or services at a price that reflects their stand-alone selling price.

Explanation:

When multiple goods or services are offered in the same contract they are not usually given their standalone price but rather a contract price that is less as a form of discount for getting all the goods at the same time.

When a modification is added however, that reflects the standalone price of goods added, the contract has to account for the contract modification because there are now multiple pricing conventions and this needs to be accounted for.

Find the area of the shaded region. The graph to the right depicts IQ scores of​ adults, and those scores are normally distributed with a mean of 100 and a standard deviation of 15.

Shaded region is 95

Answers

Answer:

Area of the Shaded Region = 0.6293

Explanation:

Given - The graph to the right depicts IQ scores of​ adults, and those scores are normally distributed with a mean of 100 and a standard deviation of 15.

Shaded region is 95.

To find - Find the area of the shaded region.

Proof -

As given that, Shaded region is 95

So,

Area of shaded region is

P(X > 95)

= [tex]P(z > \frac{95 - 100}{15})[/tex]

= [tex]P(z > \frac{-5}{15})[/tex]

= P(z > -0.33)

= 1 - P(z ≤ -0.33)

= 1 - 0.3707

= 0.6293

∴ we get

Area of the Shaded Region = 0.6293

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