Suppose you took out a 15-year mortgage for $140,000, at an annual rate of 5%. After 5 years, the 15-year mortgage rate dropped to 2%, and you decided to refinance at this low interest rate. (a) how much remains to be refinanced on the second mortgage? (b) how much will your monthly payment be? (c) how much do you save (gain) by refinancing? (write the answer up to 2 decimal places .)

Operational gearing (also known as operating leverage) describes the relationship between a company's fixed costs (costs that it has to pay, regardless of how many sales it makes) and variable costs (those that rise and fall along with the level of turnover). The higher a firm's fixed costs are as a proportion of total costs, the higher its operational gearing.

Airlines and hotels have high operational gearing, for example, because of their high fixed costs (mainly property and staff) an aeroplane still requires a full complementof staff to get from A to B, regardless of how many seats are filled.

Operational gearing refers to the use of leverage to increase the financial risk taken on by a company or individual.

Operational gearing is achieved by using a combination of debt and equity to finance an operation, such as a business venture or investment. Leverage can be an effective tool for increasing returns, but it also carries with it a greater risk of financial loss.

Operational gearing is often used to fund a business venture or investment in order to increase the potential return on investment. By leveraging debt and equity, an investor can increase their potential return without having to commit additional capital or resources.

The primary advantage of operational gearing is the ability to increase potential returns without having to commit additional capital. This can be especially beneficial for businesses with limited capital, as they can leverage the funds they already have to grow the business. Additionally, operational gearing can be used to hedge against risk and reduce overall volatility.

The primary disadvantage of operational gearing is the increased risk associated with it. Leverage can magnify both potential gains and losses, meaning that an investor can potentially experience greater losses than they would without the use of leverage.

Additionally, operational gearing requires the investor to be able to service the additional debt, which can be difficult if the venture or investment does not generate sufficient cash flow. Operational gearing can also lead to higher taxes for the investor, as interest payments on debt are tax deductible.

Overall, operational gearing is a powerful tool that can be used to increase potential returns on investments. However, it also carries a greater risk of financial loss, so it is important to understand the potential implications before leveraging debt or equity to finance an operation.

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Customer retention can increase company revenue by 25-95% with a 5% increase. Customers who are returning buy more frequently and spend more money than new customers. They recognize the worth of a product or service and return time and time again.

The percentage of existing clients who remain customers after a certain period is referred to as the customer retention rate. Your customer retention rate can help in understanding what keeps customers coming back to your company and can also indicate opportunities to improve customer service.

Acquiring new customers can cost up to five times as much as satisfying and retaining existing customers. A 2% increase in customer accumulation has the same effect as a 10% reduction in costs. Increasing customer retention by 5% boosts profits by 25 to 95%.

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Answer: i=6.70% rounded up from 6.99767%

Explanation:

Given PV=460, FV=968, n=11,

Find i=?

PV=FV(1+i)^-n

460=968(1+i)^-11

460/968=(1+i)^-1/11

(460/968)^-1/11= 1+i

1.0699767=1+i

1.0699767-1=i

i=0.699767

i=6.70%

Answer:

Q1: $738.00, Q2: $862.00, Q3: $646.00, Q4: $546.00, Total: $2,792.00

Explanation:

Answer:

$6,000

Explanation:

James should solicit feedback, Inform your management, Be accountable for your contributions, and Let them know how much you appreciate them.

They will feel most valued when you provide your staff members with a sense of purpose, success, and community.

Tell them exactly how they contribute and how they fit into the bigger picture of your firm, in addition to how they interact with their teams and the more significant business.

Verify your own worth, Exercise before work, change your attitude, and concentrate on minor victories.

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Answer: 16600

Explanation:

Discount is nothing but an Expense.

According to golden rule,Debit all Expenses and Credit all incomes.

The journal entry is a follow:

Suman A/c dr. 16800

Discount A/c dr. 200

To Cash A/c. 16600

If the variable costs are $855, and the firm's revenues are $950, then the firm should cut down the variable cost in order to increase the profit or revenue as the fixed cost cannot be changed in short run.

A fixed cost is a cost that does not fluctuate with the production or sale of more or fewer goods or services.

Rent and leasing charges, salary, energy prices, insurance, and loan repayments are a few examples of fixed costs. There are some taxes that are fixed costs as well, such as company licenses.

Fixed costs are expenses that remain constant regardless of whether sales or production volumes rise or fall. This is so because they are not involved in the actual process of producing a good or providing a service. Fixed costs are therefore regarded as indirect costs.

The term "variable cost" refers to a sort of cost that will fluctuate in response to changes in production levels.

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Answer:

There are three major forms of linear equations: point-slope form, standard form, and slope-intercept form.

Explanation:

Point-slope : is the general form y-y₁=m(x-x₁) for linear equations. It emphasizes the slope of the line and a point on the line (that is not the y-intercept).

Answer:

C. GAAP

Explanation:

If Sunland Company is considering buying a machine for $240,000 with an estimated life of ten years and no salvage value. The cash payback period on this investment is: c. 8 years.

First step is to calculate the depreciation using this formula

Depreciation = Cost of assets - Salvage value / Useful life of assets

Depreciation = $240,000 - $0/10

Depreciation = $240,000/10

Depreciation =$24000

Second is to find the cash flow

Cash flow = Net income +Depreciation

Cash flow =$6000+ $24,000

Cash flow = $30,000

Third step is to find the  cash payback period on this investment

Cash payback period = Cost of assets / Cash flow

Cash payback period =$240,000/$30,000

Cash payback period =8 years

Therefore the correct option is C.

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The complete question is:

Sunland Company is considering buying a machine for $240,000 with an estimated life of ten years and no salvage value. The straight-line method of depreciation will be used. The machine is expected to generate net income of $6,000 each year. The cash payback period on this investment is

a. 20 years

b. 10 years

c. 8 years

d. 4 years

Answer:

C. Maintain satisfactory academic progress

Explanation:

Federal student aid is performance based (usually with a GPA range in place), so maintaining such is what keeps students on track to continue receiving it.

Answer:

D. GAAP

Explanation:

Answer:

b) large companies charging below production cost in order to eliminate competition

In most situations, a small business should keep their business tax records for a minimum for 3 years. If you don't submit a return, keep records for as long as necessary.

If you file a claim for credit or refund after filing your return, keep records for 3 years from the date of your initial return's filing or 2 years from the day you paid the tax, whichever comes first.

If you submit a claim for a deduction for bad debts or a loss from worthless securities, keep records for seven years.

If you fail to submit income that you should have reported and it represents more than 25% of the gross income listed on your return, keep records for six years.

Therefore, in most situations, a small business should keep their business tax records for a minimum for 3 years. If you don't submit a return, keep records for as long as necessary.

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Answer:

yes

Explanation:

most of the money in our economy is created by banks in the form of banks deposits - eg the numbers that appear in your account. Banks create new money whenever they make loans

The figure Payoff Matrix I for Blue Spring and Purple Rain refers to two producers of bottled water. Each has two strategies available to it: a high price and a low price. The dominant strategy for Purple Rain is to: always charge a low price.

Generally, In the field of game theory, a description of a game is referred to as normal form. In contrast to extended form, normal-form representations are not graphics in and of themselves; rather, they use matrices to depict the game in question.

The outcomes of the decisions made by players in a game may be represented using something called a reward matrix.

The structure of a game, such as whether players take in turns to do actions or if a player must make a decision without knowing what option the other player will make, is not conveyed by a payout matrix. Components that make into a payoff matrix.

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b) The probability of receiving at least three e-mails during an hour is of: 0.8754 = 87.54%.

c) The expected number of e-mails received during 15 minutes is of: 1.25 e-mails.

d) The probability that no e-mails are received during 15 minutes is of: 0.2865 = 28.65%.

In a Poisson distribution, the probability that X represents the number of successes of a random variable is given by the following mass probability function defines as follows:

[tex]P(X = x) = \frac{e^{-\mu}\mu^{x}}{(x)!}[/tex]

The parameters are:

The daily mean is of 121 e-mails, hence the hourly mean is of:

[tex]\mu = \frac{121}{24} = 5[/tex]

Then the probability of at least three e-mails during the hour is of:

P(X ≥ 3) = 1 - P(X < 3)

In which:

P(X < 3) = P(X = 0) + P(X = 1) + P(X = 2)

Hence:

[tex]P(X = x) = \frac{e^{-\mu}\mu^{x}}{(x)!}[/tex]

[tex]P(X = 0) = \frac{e^{-5}(5)^{0}}{(0)!} = 0.0067[/tex]

[tex]P(X = 1) = \frac{e^{-5}(5)^{1}}{(1)!} = 0.0337[/tex]

[tex]P(X = 2) = \frac{e^{-5}(5)^{2}}{(2)!} = 0.0842[/tex]

Then:

P(X < 3) = P(X = 0) + P(X = 1) + P(X = 2) = 0.0067 + 0.0337 + 0.0842 = 0.1246

Hence:

P(X ≥ 3) = 1 - P(X < 3) = 1 - 0.1246 = 0.8754 = 87.54%.

The mean during 15 minutes is one-fourth of the hourly mean, hence:

5.04/4 = 1.25 e-mails.

The probability of no-emails during the 15 minutes is of:

P(X = 0) = e^(-1.25) = 0.2865 = 28.65%.

In items c and d, the measure is of 15 minutes, and the description of the problem is given by the image shown at the end of the answer.

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Explanation:

Sarah's mom has given her a $100 budget for her birthday present. Sarah knows exactly what she wants - a new pair of shoes that cost $95. Sarah lives in a state with 5% sales tax and a city with 1% sales tax. Can Sarah afford the shoes and why?

taxes: 5% + 1% = 6% or 0.06

$95 + ($95 * 0.06)

= $100.70

No, she cannot afford the shoes. She needs $0.70 more to make the purchase.

Compared to electronic filing, traditional file organization is more secure, but it still has drawbacks. Typically, electronic files may be accessed across a network, therefore it is feasible for an unauthorized individual to access electronic data via the Internet by employing hacking techniques. Computer viruses and other software security issues can also harm electronic data. On the other hand, electronic data is simple to backup in various locations, minimizing the chance of permanent data loss. Paper files, on the other hand, can be destroyed in fires and floods.

Electronic systems are more sophisticated than traditional file methods, which might make it harder for inexperienced employees to access and change data. To find a file, anyone can search alphabetized filing cabinets. Technical training may be necessary to locate and manipulate information in an electronic database, and user mistakes can lead to unintentional changes or data loss.

There are the three statements was the based on the defines a market/fit hypothesis are:

Who is the target audience?

Products are the fit to the market.

Product is the satisfy the needs and the wants.

What is Hypothesis?

A hypothesis is the investigation of two independent variables. Furthermore, it is evaluated and tested in an analytical phenomenon. A research hypothesis is a proclamation of expectation or prediction that will be tested through research.

According to the hypothesis, there are the three statement was the based on the market/fit. The product and solution fit to the market problems. Product are the fit to the target audience. Product is the satisfy the needs and the wants.

As a result, the three statements was the based on the defines a market/fit hypothesis.

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Answer:

censorship

Explanation:

everything else on the list keeps things safe, production oversight helps quality control and sanitary conditions, safety testing helps ensure safety, and inspectors also help do both. censorship doesn't do anything to help these.

Censorship is not something the government must use to enforce consumer-protection legislation. Thus the correct option is B.

A government is referred to as an administrative body that controls the functioning of any country by implementing rules and regulations and introducing a better standard of living.

The act or concept of eliminating words that are explicit or graphic imagery from a public audience is known as censorship. Additionally, self-censorship exists, which is the practice of holding back on saying particular things.

For the purpose of fighting to spy, all this is utilized. Governments withhold information from their people when they practice censorship of politics. It is common practice to do this in order to exercise control over the public and suppress free speech that could spark an uprising.

Therefore, option B is appropriate.

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Answer:c

Explanation:

Cornell Enterprises is considering a project that has the following cash flow and WACC data. The answer should be -132.63NPV (10%, 450,460,470)+(1275).

A for-profit firm or company is referred to as a "enterprise" in various contexts, although this usage most frequently refers to entrepreneurial endeavors. Successful entrepreneurs are frequently referred to as "enterprising."

There are various types of legal businesses, but the following are the most prevalent in the United States:

A sole proprietorship is a business that is controlled by a single person, usually for that person's profit. This type of business has limitless liability for any damages that come from the activities of the business.

Partnership:  A company controlled by two or more people or entities that share ownership, albeit not necessarily on an equal basis.

Corporation:  A for-profit organization established to protect the owner(s) from responsibility in the event that the business is sued. Depending on the number of owners, companies can take on many forms.

Limited Liability Company (LLC) -  An LLC gives both the tax benefits of a partnership and the legal protection of a corporation.

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Answer: A Buyer's Representation Agreement clarifies expectations, helping you understand what you should and shouldn't expect from your buyer's rep, and what they will expect from you, which usually centers on loyalty.

Explanation:

A major benefit to a buyer if she signs a buyer representation agreement is that a professional will be representing her preferences and she will receive a personal expert who is aware of her needs.

Professionals Are Representing Your Preferences

Using just a qualified buyer's agent is comparable to using an expert to assist with finances, a surgeon to assist with health care, or a mechanic to assist with your vehicle. You could perform these tasks oneself assuming that you had the spare time to dedicate to studying everything there is to know about accounting, medicine, and automobile repair. who has the time, though? This is why you let other experts assist you in their particular areas of specialization.

You Receive A Personal Expert Who Is Aware Of Your Needs

Your Buying agent is acquainted with your real estate wants and worries, just like your accountant, doctor, and mechanically do. Accessible communication is the cornerstone of this kind of partnership. 

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