the green mortgage company has originated a pool containing 75 ten-year fixed interest rate mortgages with an average balance of $103,800 each. all mortgages in the pool carry a coupon of 12 percent. (for simplicity, assume that all mortgage payments are made annually at 12% interest.) green would now like to sell the pool to fnma. required: a. assuming a constant annual prepayment rate of 10 percent (for simplicity, assume that prepayments are based on the pool balance at the end of each year), what will be the price that green should obtain on the date of issuance if market interest rates were (1) 11 percent? (2) 12 percent? (3) 9 percent? b. assume that five years have passed since the date in (a). what will the pool factor be? if market interest rates are 12 percent, what price can green obtain then? c. instead of selling the pool of mortgages in (a), green decides to securitize the mortgages by issuing 100 pass-through securities. the coupon rate will be 11.5 percent and the servicing and guarantee fee will be 0.5 percent. however, the current market rate of return is now 9.5 percent. how much will green obtain for this offering of mpts? what will each purchaser pay for an mpt security, assuming the same prepayment rate as in (a)? d. assume now that immediately after purchase in (c), interest rates fall to 8 percent and that the prepayment rates are expected to accelerate to 20 percent per year, beginning at the end of the first year. what will the mpt security be worth now?

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Answer 1

The green mortgage company has interest rate mortgages atValue of MPT at 11%

Interest is 103,208Value of MPT at 12% interest is 100,000Value of MPT at 13% interest is 110,188Interest rate mortgages- mortgage rate, also known as a mortgage interest rate or interest rate, is part of the cost of borrowing money from a lender. Instead of paying your mortgage lender in one lump sum, you pay interest as part of your monthly mortgage payment.For more information on Interest rate mortgages visit:

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your manager has left, and their successor is not as skilled a leader. which characteristics of tasks at your organization would substitute for the missing leadership? check all that apply.

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The characteristics and the tasks that would have to substitute for the missing leadership would be: Option B and D

Informal lines of authorityClear, inflexible rules

What is meant by leadership?

The capacity to get your  followers or other members of an organization to act or influence them to do what you want is referred to as leadership.

The human ability of inspiring a group of individuals to make them take certain actions as they go after a  common objective is known as leadership. In a professional environment, this can mean managing coworkers and staff in accordance with a strategy that meets the demands of the business.

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Your manager has left, and their successor is not as skilled a leader. Which characteristics of your organization would substitute for the missing leadership? Check all that apply.

Predictable rewards

Informal lines of authority

Strong group cohesion

Clear, inflexible rules

What are the factors of stability that make up political risk unit of measure? strengths against shocks shock absorbers shocks themselves.

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The factors of stability that make up political risk unit of measure are strengths against shocks and shocks themselves.

What is political risk?

Political risk is the risk that investment returns may suffer as a result of political change or instability in a country. Instability affecting investment returns can result from changes in governments, legislatures, other foreign policymakers, or military rule.

Political risks can also arise from events beyond the control of governments, such as wars, revolutions, terrorism, workers' strikes and extortion. Political risks can adversely affect all aspects of international business, from the right to import and export goods to the right to own or operate a business.

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a characteristic of the long-run is a. there are fixed inputs. b. all inputs can be varied. c. plant capacity cannot be increased or decreased. d. there are both fixed and variable inputs.

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a characteristic of the long run is plant capacity cannot be increased or decreased.

Plant capacity

The plant capacity factor represents the power station's reserve capacity. An electric power station is constructed with some reserve capacity in order to satisfy future load demand. As a result, a power station's installed capacity is always slightly more than its maximum demand.

A power station's plant capacity factor is defined as the ratio of actual energy generated to maximum feasible energy that might have been produced during a particular period. The Oprah Winfrey Show What is the normal costing capacity of your plant? Capacity may be described as an internal standard for the greatest amount of product that can be produced in a factory.

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striker company estimates its expected cash receipts for the period to be $80,000 and its expected cash disbursements to be $70,000. the beginning cash balance for the period was $5,000. the management wants to maintain a minimum cash balance of $40,000.

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The management wants to maintain a minimum cash balance of $40,000. The answer is, $25000.

The amount that needs to be borrowed is the cash shortfall which is the difference between cash balance calculated considering the present opening cash balance, the cash receipt and disbursement and the budgeted cash balance of $40000

The cash balance now is opening cash balance plus expected  cash receipt less expected cash disbursement

Opening cash balance     $5000

Cash receipt                      $80000

cash disbursement           ($70,000)

Cash balance                    $15,000

Budgeted cash balance    $40,000

actual cash balance          ($15,000)

borrowing                           $25,000

Management of the activities of setting the strategy of an business enterprise and coordinating the efforts of its personnel (or of volunteers) to perform its objectives thru the software of to be had assets, such as monetary, herbal, technological, and human assets.

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Sara withdraws​ $1,000 from her savings account at the lucky​ s&l, keeps​ $50 in​ cash, and deposits the balance in her checking account at the bank of illinois. What is the immediate change in m1 and​ m2?.

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There will be a increase in m1 and no change in m2 when Sara withdraws​ $1,000 from her savings account at the lucky​ s&l, keeps​ $50 in​ cash, and deposits the balance in her checking account at the bank.

What functions do banks have?

It is a bank's responsibility to collect public deposits and lend those deposits to support the expansion of business, trade, industry, and agriculture. Bank receives higher rates of interest from depositors on loans and advances than it does on deposits.

How are banks able to make money?

Like any other profit-driven business, banks charge for the financial goods and services they provide. The two main products that make banks profitable are interest on loans and service fees.

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why can firms afford to drop prices below costs to meet competition in the short run but not for the long run?

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At the profit-maximizing output level, a shutdown occurs when price or average revenue (AR) falls below average variable cost (AVC). Production will continue, but there won't be enough revenue to cover the additional variable costs.

Why are businesses willing to accept short-term losses but not long-term ones?

average total cost curve, whereas a company's exit point is the minimum point on the average variable cost curve over the long term.In the short run, there are fixed costs, but not in the long run.

Can a company lose money quickly?

Maximizing profits in the short term.The company can make more money by producing more goods when its marginal revenue is higher than its marginal cost.When the company's marginal revenue is lower than its marginal cost, it is losing money and must reduce its output.

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can you provide your own example from the business world of an organization that is enabling with respect to employee drug use?

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Yes  ,we can provide your own example from the business world of an organization that is enabling with respect to employee drug use.

Most debates about drugs at work revolve on the clash between organizations calling for drug-free workplaces and individual rights to privacy and independence. But there's still another point of contention. Think about Amy Winehouse's situation. Everyone who enjoys music, as well as many others, are familiar with her. The images, the sound, and the story spread across TV channels and the social web every time she is caught on camera inhaling something that appears to be illegal or being caught on camera staggering out of a party with her dress slipping down her chest. As a result, she is once again in the public eye.

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health insurance plans which typically reimburse doctors mainly by paying a flat fee per patient are known as part 2 a. ​fee-for-service plans. b. preferred provider organizations. c. health maintenance organizations. d. ​single-payer health care systems.

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Health maintenance organizations, a type of health insurance plan that typically restricts coverage to medical care from providers under contract or employed by the HMO.

A Health Maintenance Organization group is what exactly?

Health maintenance organization (HMO) is a type of health care system that, in exchange for a set, upfront cost, typically undertakes or shares both the financial and delivery risks involved with delivering complete medical services to a freely enrolled population in a certain geographic area.

Why do physicians dislike HMOs?

The issue with HMOs is this. To paraphrase a woman who survived two primary breast cancers: The drawback of an HMO is that patients hand over management of their own medical treatment to medical organizations with varying levels of skill and competence who prioritize their own financial interests above the wellbeing of their patients.

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why does a nonquasi-equilibrium compression process require a larger work input than the corresponding quasi-equilibrium one?

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This will increase the load close to the piston face. Because of the higher pressure value at the piston face, a non-quasi-equilibrium change in pressure requires more work than a commensurate quasi-equilibrium process of compression.

When an expansion process is not quasi-equilibrium, the particles ahead of the piston cannot keep up with it quickly enough, resulting in a low higher osmotic pressure behind the piston. The lower the tension that pushes the hydraulic fluid, the less work it does.

A quasi-equilibrium process is one in which the is always very close to equilibrium at all points of time. A "quasi-equilibrium" or "slow" procedure is one where the method activity time is significantly longer than the mechanism relaxation time; the system achieves equilibrium between each step of the process.

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Money represents anything that can be exchanged for goods and services or for the: a. return of defective goods. b. payment of debt. c. benefits of ownership. d. personal well-being of holders.

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Anything that may be exchanged for products and services or used to settle debts is referred to be money. Here option B is the correct answer.

Any verifiable document that is recognized as a form of payment for goods and services as well as the repayment of debts in a certain nation is referred to as money. Governments have used a variety of currencies throughout history, including gold, silver, coins, and banknotes.

Money is any physical thing or unquestionable record that is accepted as payment for goods and services as well as the fulfillment of legal responsibilities, such as levies, in a particular country or sociopolitical context.

Coins made of gold and silver are examples of commodity money. In addition to the fact that gold itself was precious and had additional uses, gold coins were valuable because they could be used as a medium of trade for other products or services. The transition from commodity money to representational money took place.

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when the aggregate demand curve and the short run aggregate supply curve are in equilibrium, gdp will be

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when the aggregate demand curve and the short run aggregate supply curve are in equilibrium, gdp Could be: less than potential GDP, be at potential GDP, be greater than potential GDP

The level of output that a country's economy is capable of producing at a constant rate of inflation is referred to as potential gross domestic product (GDP) in the OECD's Economic Outlook publication. Even while an economy can occasionally create more than its maximum amount of output, doing so results in higher inflation. Basic Details. US Real Potential GDP currently stands at 24.29T, up from 24.18T in the previous quarter and 23.88T a year ago. One of the theoretical components of national income accounting, known as potential GDP, makes the assumption that full employment has been reached in an economy and that aggregate demand does not exceed aggregate supply. Output Gap: Like the rise and fall of GDP, the output gap can move in both positive and negative directions.

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in the single-period model, cost is the unrealized profit per unit, while cost is the difference between the purchase price and salvage value of an item.

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In the single-period model, shortage cost is the unrealized profit per unit, while excess cost is the difference between the purchase price and salvage value of an item.

What is a single-period model?

A circumstance when only one request for goods is issued is referred to as a single-period inventory management system. Any commodity that remains beyond the sales event has minimal to no significance.

Magazines, publications, bakery items, decorations, and holiday goods all frequently experience this issue.

In a single product, the excessive cost seems to be the disparity between an item's sales price as well as accumulated depreciation, whereas insufficiency cost is the actual income per unit.

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The question is incomplete, the complete question is:

In the single-period model, ______ cost is the unrealized profit per unit, while _____ cost is the difference between the purchase price and salvage value of an item.

what does kurt workman, digital communications manager for ch2mhill, find to be the biggest drawback of the latest technology in communication in the business world?

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The latest technology in communication in the business world.The most recent technological developments were concentrated on the switch from analogue to digital communication.

Due to the early usage of basic media for information transmission, data speed was greatly constrained. Analog devices use continuously changing signals to transfer information.The limitations of analogue technology made it difficult to do much more than convey information gradually. The transition from analogue to digital communication is the focus of the most recent innovation meeting. We are currently living in a time of extreme connection. Fewer exchanges necessitate physical proximity as a result of our growing reliance on computers and our constant connectivity.

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messages flowing downward such as information about procedures, equipment, or customer service generally use . a. monetary bribes b. the direct strategy c. the indirect strategy d. skillful appeals to indirect benefits

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Messages flowing downward such as information about procedures, equipment, or customer service generally use the direct strategy.

What is Direct strategy?

The main idea and supporting evidence are placed at the "head" of the paper when using the direct approach. This is a deductive justification. When your audience will be accepting of or receptive to your message, this strategy is used. The direct approach typically requires you to begin the official report with a summary of your primary findings, conclusions, and recommendations. For business reporting, this "up-front" arrangement is by far the most well-liked and practical. It saves time and makes it simpler to understand the remainder of the report. The direct strategy also results in a stronger report. When you confidently state your conclusions at the beginning, you come across as self-assured.

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which of the following is a possible strategy for reducing economic exposure? a. hedging with forward contracts b. purchasing foreign supplies c. financing with foreign funds d. all of these are correct.

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All of those alternatives are correct covered in possible approach for lowering economic exposure.

What do you imply through economic exposure?Economic exposure (publicity) to foreign exchange threat is the quantity to which the existing cost of a firm's predicted destiny coins flows is suffering from exchange fee changes. Economic publicity contains two coins float exposures: transaction publicity and running publicity.There are important troubles in economic publicity control. First, monetary publicity control need to cover the complete existence of a overseas funding project. Second, monetary publicity control need to cover all elements of commercial enterprise operations, along with the elements market, the product market, and the finance market.What is the distinction among accounting publicity and economic publicity?Translation or Accounting Exposure: equals the distinction among uncovered property and liabilities. The trick is to determine what's uncovered and what's not. Sometimes referred to as stability sheet threat. Operating or Economic Exposure: Changes within side the monetary cost of an corporation because of an exchange fee change.

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The Magnanimous Company uses a predetermined overhead rate of $12 per direct labor hour to apply overhead. During the year, 30,000 direct labor hours were worked. Actual overhead costs for the year were $320,000. The overhead variance is:
$36,000 overapplied
$40,000 overapplied
$35,560 underapplied
$40,000 underapplied
none of the above

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The Magnanimous Company uses a predetermined overhead rate of $12 per direct labor hour to apply overhead. During the year, 30,000 direct labor hours were worked. Actual overhead fees for the yr were $320,000. The overhead variance is:$36,000 overapplied.

How do you find the predetermined overhead rate?

You can calculate predetermined overhead price through dividing the manufacturing overhead price by the undertaking driver. For example, if the pastime driver used to be machine-hours, then you would divide overhead charges by using the estimated range of computing device hours.

Predetermined overhead charge = Actual complete manufacturing overhead costs ÷ Estimated total devices in the allocation basePredetermined overhead rate = Estimated whole manufacturing overhead expenses ÷ Actual complete gadgets in the allocation base.

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The process of​ monitoring, comparing, and correcting work performance is the management function known as​ ________.

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The process of monitoring, comparing, and correcting work performance is the management function known as controlling.

Controlling is a management function that assists in obtaining desired results from employees at all organisational levels, including managers and subordinates. The managing function assists in tracking advancement toward corporate objectives, identifies deviations, and suggests necessary remedial action.

A technique for ensuring that standards are being met within an organisation is the "Controlling Process." In order to make the appropriate decisions regarding each, it entails the careful gathering of information about a system, process, individual, or group of people. Control is strongly associated to power and the ability to influence opinions, judgments, or actions.

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explain why despite different economic systems of the north and the south they were reliant upon each other in the period 1800–1860.

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Manufacturing was important to the economy system in the north, and cotton production was important to the agricultural economy in the south. Slavery was more necessary in the South because of the desire for unpaid laborers to pick the valuable cotton.

How do economic systems work?

A country's or a region's social structures can organise and distribute the resources, services, and goods that are available through the use of an economic system. Land, capital, labor, and physical resources are all governed by economic systems. Modern societies primarily use capitalism and socialism as their two primary economic systems. In reality, the economies of most societies combine elements of both economic systems but tend toward one of the capitalism-socialism spectrum's extremes. Capitalism and socialism are combined in social democracies.

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which of the following current assets will not generate cash in the future? a. prepayments b. accounts receivable c. inventory d. marketable securities e. notes receivable

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notes receivable  will not generate cash in the future

Current assets is a balance sheet account that represents the value of all assets that can reasonably expected to be converted into cash within one year. Current assets include cash and cash equivalents, accounts receivable, marketable securities, prepaid expenses, debtors etc.

Current assets are balance sheet items listed in the assets section and include all company-owned assets that can be converted into cash within one year. Assets whose value is recorded in the current assets account are considered current assets.

Current assets include cash, cash equivalents, accounts receivable, inventories, marketable securities, prepaid liabilities and other current assets. A current account is also known as a checking account.

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an experience that is so engaging that it is worth doing just for the sake of doing it is referred as

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Flow is an experience that is so engaging that it is worth doing just for the sake of doing it.

Flow, in the context of psychology, is a state of severe engagement, awareness and contentment within the present moment and present day interest.

On occasion referred to as being “inside the region,” go with the flow states are acknowledged to beautify creativity and overall performance and spark innovation.

Coping refers to intellectual and behavioral efforts that we use to address problems regarding stress, including its presumed cause and the ugly emotions and emotions it produces. Those situations are often seen as disturbing, threatening or challenging and are referred to as stressors.

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managers at clementiq inc. established a group comprising of engineers from germany, japan, and the united states for the design and manufacture of a new product for the organization. this is known as a(n) group.

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Managers at clementiq inc. established a group comprising of engineers from germany, japan, and the united states. This is known as Cross-cultural group.

What is a cross cultural group?

Cross-cultural teams are international groups of people with a variety of backgrounds and experiences. Companies frequently ignore these core team member distinctions, which can cause disagreements and dissatisfaction that are readily avoidable if you have a quick knowledge of each team member.

What advantages do cross-cultural teams offer?

1) increased originality. 

2) The diversity of opinions and ideas often has to do with the professional and educational backgrounds of the personnel.

3) increased productivity

4) Better reputation  

5) fewer disputes 

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attorneys, business representatives, technical representatives and management are commonly called in to work with engineers in which step of project?

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Attorneys, business representatives, technical representatives, and management are commonly called in to work with engineers in specific design steps of the project.

Who is an Attorney?

An attorney is a shortened version of the official title "attorney at law." A lawyer is a person with legal training and education as well as courtroom experience. An attorney is, in essence, a person who represents a client in some kind of court of law.

An advocate is a professional with the ability to practice law, which is how they differ from lawyers. Attorneys can defend clients in court, whereas lawyers can only offer legal advice to clients. In general, anyone with formal training is regarded as a lawyer.

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schopenhauer believed that he corrected and completed the work of kant and thus created a kantian-schopenhauer philosophy. t/f

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True, Schopenhauer believed that he corrected and completed the work of Kant and thus created a Kantian-Schopenhauer philosophy.

Philosophy teaches critical thinking, close reading, clear writing, and logical analysis; it employs these skills to help students understand the language we use to describe the world and our place in it. The questions they ask distinguish different branches of philosophy.

It is a systematic search for fundamental truths, an effort to understand, and an investigation of moral standards. It seeks to establish criteria for acceptable evidence, offer logical means of resolving disputes, and create methods for assessing claims and counterclaims.

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Assume that one year ago, you bought 380 shares of a mutual fund for $36 a share, you received a capital gain distribution of $0.60 per share during the past 12 months, and the market value of the fund is now $40 a share. o. Calculate the total return for your $13,680 investment Total return b. Calculate the percentage of total return for your $13,680 investment. (Enter your answer as a percent rounded to 2 decimal places.) Percent of total return

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To calculate the total return for an investment, we need to find the change in the value of the investment over a given period of time.

In this case, the investment is $13,680, which is the cost of 380 shares at $36 per share. The market value of the fund is now $40 per share, so the value of the investment has increased to 380 * $40 = $15,200. Additionally, the investor received a capital gain distribution of $0.60 per share, so the total capital gain distribution was $0.60 * 380 = $228.

The total return on the investment is the sum of the increase in the value of the investment and the capital gain distribution, or ($15,200 + $228) - $13,680 = $1,848.

To calculate the percentage of total return for the investment, we need to divide the total return by the initial investment and multiply by 100%:

($1,848 / $13,680) * 100% = 13.51%

Therefore, the total return on the investment is $1,848, and the percentage of total return is 13.51%.

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why would it be important for an organization to have a standard way of looking at (and evaluating) supplier quality relative to process management?

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The important for an organization to have a standard way of looking Leveraged supply base:

Evaluating supplier performance helps organizations set a standard, and this, in turn, leads to superior results.

Additionally, it lets companies plan their goals and actions as per their suppliers' capabilities and performance levels

Having an powerful supplier best management technique allows corporations to correctly audit the supply chain and perceive every precise chance. This allows groups to reduce risks and avoid ability high-priced fallout.

dealer evaluations are crucial due to the fact they help you to make sure that your suppliers are meeting your requirements and necessities. in addition they can help you become aware of any capability problems that might effect your enterprise.

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On May 1, Carter, Inc. factored $800,000 of accounts receivable with Rapid Finance on a without recourse basis. Under the arrangement, Carter was to handle disputes concerning service, and Rapid Finance was to make the collections, handle the sales discounts, and absorb the credit losses. Rapid Finance assessed a finance charge of 6% of the total accounts receivable factored and retained an amount equal to 2% of the total receivables to cover sales discounts.Instructions(a) Prepare the journal entry required on Carter 's books on May 1.(b) Prepare the journal entry required on Rapid Finance’s books on May 1.(c) Assume Carter factors the $800,000 of accounts receivable with Rapid Finance on a with recourse basis instead. The recourse provision has a fair value of $14,000. Prepare the journal entry required on Carter’s books on May 1.

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(a). Journal entry required on Carter 's books on May 1:

Accounts receivable = $800,000 given

Finance charge         = 6%

Retained amount      = 2% of total receivables

Now the journal entry to record on the books of Carter is as follows;

                                                                               Dr.                       Cr.

1 May    Cash                                                           736000

            Due from factor (2% x800,000)                 16000

             Loss on receivables(6%x 800,000)           48000

            Account  receivables                                                         800,000

(b). Journal entry required on Rapid Finance’s books on May 1:

                                                                               Dr.                       Cr.

1 May     Account  receivables                        800,000

                Due to dexter                                                               16000

                 Financing Revenue                                                     48000

                Cash                                                                             736000

(c). Journal entry required on Carter’s books on May 1:

                                                                               Dr.                       Cr.

1 May   CASH                                                       736000

            Due from factor (2% x800,000)               16000          

            Loss on receivables(48000+14000)         32000

             Account receivables                                                     800000

             Resources liablity                                                             14000

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you are a city planner in chicago, interested in pursuing hydrothermal liquefaction. if all goes as planned, where would be the best place for you to visit to learn more?

Answers

The macromolecules that make up the biomass are hydrolyzed or destroyed by water at average temperatures and high pressures during the hydrothermal liquefaction process.

Hydrothermal liquefaction lasts how long?

Rapid hydrothermal liquefaction leads to short residence times for depolymerization to take place. However, the residence time is largely dependent on the reaction circumstances, including feedstock, solvent ratio, and temperature. Typical residence times are reported in minutes (15 to 60 minutes).

What is a response of liquefaction?

When there is violent ground shaking, wet, loosely packed sediments at or near the surface of the ground start to lose strength and liquefy. Liquefaction beneath houses and other structures during earthquakes can cause substantial harm.

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since maytag’s appliances have earned a reputation as being reliable and durable, john decided to buy a new maytag washing machine despite the fact that it was more expensive than other brands. which dimension of brand equity does this example illustrate?

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When a company uses one of its well-known brand names for a new product or new product category, this is called a brand extension.Sometimes it's called "brand stretching."Using the company's already established brand equity to support the launch of its newest product is the strategy behind a brand extension.

Is a brand associated with a number of emotional, psychological, and performance associations?

Customers associate a brand with a variety of emotional, psychological, and performance factors.When it comes to brand-loyal uses, these associations frequently become the primary driver of purchase.Brands have other assets that give them a big advantage over competitors, like patents and trademarks.

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in which phase does the organization place the system into production so users can begin to perform actual business operations with it? multiple choice question.

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Maintenance Phase does the organization place the system into production so users can begin to perform actual business operations involves putting the system into production so users can start using it for real-world business processes.The correct answer is Maintenance phase.

To convert the requirements into comprehensive and precise system design and specifications is the goal of the design phase. The Development Team starts the D, or development Phase, when the design has been accepted.Creating Systems.A new system needs to be designed based on user requirements and a thorough investigation. The system design phase is currently underway. The SDLC method keeps shifting from the questions of the analysis phase to the how throughout the design phase.The systems development life cycle (SDLC) contains six phases.System design, analysis, and planning are the first three steps, followed by implementation and deployment.System integration and testing Upkeep of the system.The third phase, system design, focuses on the needs of the customer and essentially ensures that the system will satisfy all technical and functional criteria.

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1. determine and compare the total heat transfer rates in the case of natural and forced convections over a heated vertical flat plate.

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The totals heat transfer rates in the case of natural and forced convection over a heated vertical flat plate: In natural convection, any fluid motion is caused by natural means such as the buoyancy effect, i.e. the rise of warmer fluid and fall of the cooler fluid.

Whereas in forced convection, the fluid is forced to flow over a surface or in a tube by external means such as a pump or fan.

Forced convection increases the fee of warmth transfer in comparison to natural convection. The charge of the heat switch in compelled convection relies upon the rate of air. The better the airspeed, the higher might be the rate of warmth switch. pressured convection involves fluid movement in addition to conductive warmth transfer.

The overall equation for the case of pressured convection is Nu = f(Re, Pr). within the case of loose convection, it's miles Nu = f(Gr, Pr). in which Tp is the surface temperature.

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