The incremental cost of borrowing may also be referred to as the marginal cost of borrowing. (True or False)
2. Which of the following is a form of owner financing?
a. Land contract
b. Jumbo mortgage
c. Primary mortgage
d. Package mortgage
3. You borrowed $385,000 with a 30- year,fully amortized mortgage ten years ago.The rate on the loan is 3.625%and you have made 120 payments on the loan.A mortgage broker has identified a lender that will refinance your existing loan with a new 20-year mortgage with a rate of 2.75%. The upfront refinancing costs consist of 1.85 points.What is NPV of the refinancing if you believe that you will repay the loan over its full term?
4. I just borrowed $267,000 at 2.125%for 15-years.My lender is looking to sell my loan and the market rate of interest is 1.53%.What is the market value of my loan assuming that it is repaid with a lump sum after 72 regular payments?
5. You are looking to purchase a house for $500,000 with either a 70%or 80%LTV loan (both 30-year mortgages). The 70%LTV loan has a rate of 2.75%with 1 point due at closing and the 80%LTV loan has a rate of 2.875%with 1.25 points due at closing.What the marginal borrowing cost of the 80%LTV loan in relation to the 70%LTV loan if you plan to pay off the loan after 48 months?
Please input your answer such that 14.54%would be 14.54

Answers

Answer 1

True. The incremental cost of borrowing refers to the additional cost incurred when taking on additional debt or borrowing more funds. It is also commonly referred to as the marginal cost of borrowing.

a. Land contract. A land contract is a form of owner financing where the seller of a property provides financing to the buyer. The buyer makes payments directly to the seller, typically in installments, until the full purchase price is paid.

To calculate the NPV (Net Present Value) of the refinancing, we need additional information such as the remaining loan balance, the term of the new mortgage, and the discount rate. Without this information, we cannot determine the NPV.

To calculate the market value of the loan, we need to consider the difference between the market interest rate and the interest rate on the loan. With the given information, we can calculate the market value of the loan using the present value formula, but the number of payments (72) is not sufficient to determine the market value. Additional information is needed.

To determine the marginal borrowing cost of the 80% LTV loan compared to the 70% LTV loan, we need to compare the total cost of each loan, including the interest rate and points due at closing. However, without knowing the specific loan amounts and repayment terms, it is not possible to calculate the marginal borrowing cost.

Learn more about cost from

https://brainly.com/question/29509552

#SPJ11


Related Questions

why do rising interest rates generally depress stock prices?

Answers

Rising interest rates generally depress stock prices due to several reasons:

Increased borrowing costs: When interest rates rise, it becomes more expensive for companies to borrow money for investment and expansion. Higher borrowing costs can reduce corporate profits and growth prospects, leading to a decrease in stock prices.

Competition with bonds: Rising interest rates make fixed-income investments, such as bonds, more attractive to investors. As bond yields increase, investors may shift their investments from stocks to bonds in search of higher and safer returns. This increased demand for bonds can lead to a decrease in stock prices.

Discounted cash flow valuation: Stocks are often valued based on their expected future cash flows. When interest rates rise, the discount rate used to calculate the present value of future cash flows increases. This higher discount rate reduces the present value of future earnings, which can negatively impact stock prices.

Investor sentiment and risk appetite: Rising interest rates can signal tighter monetary policy and a potential slowdown in economic growth. This can create uncertainty and reduce investor confidence, leading to a decrease in stock prices as investors become more risk-averse.

It's important to note that the relationship between interest rates and stock prices is complex and can be influenced by various factors. While rising interest rates generally have a negative impact on stock prices, other factors such as company-specific performance, market conditions, and investor sentiment can also play a significant role.

Learn more about interest rate from

https://brainly.com/question/29415701

#SPJ11

post upto 250 words
Please discuss with the class what are the frameworks economists
can use to analyze the macroeconomy? And what are the policy tools
governments can use to manage the macroeconomy?

Answers

The frameworks economists use to analyze the macroeconomy include aggregate demand and supply, classical macroeconomics, and Keynesian macroeconomics. To manage the macroeconomy, governments can use fiscal policy, monetary policy, and supply-side policies.

Macroeconomics is a branch of economics that studies the performance, behavior, structure, and decision-making of the whole economy instead of individual markets or firms.

To analyze the macroeconomy, economists use various frameworks, including the following:

1. Aggregate demand and supply: It is a framework that analyzes the economy's overall demand and supply. Aggregate demand is the total amount of goods and services that buyers are willing to purchase at a given price level.

2. Classical macroeconomics: This framework is based on the classical theory of economics, which argues that the market economy is self-correcting and that government intervention is unnecessary.

3. Keynesian macroeconomics: This framework is based on the work of John Maynard Keynes, who argued that government intervention is necessary to stabilize the economy, especially during periods of recession or depression.

Keynesian economics emphasizes the role of aggregate demand in the economy and the importance of government spending and fiscal policy.To manage the macroeconomy, governments can use various policy tools, including:

1. Fiscal policy: It is the use of government spending and taxation to influence the economy. Fiscal policy can be expansionary (increasing government spending and/or cutting taxes) or contractionary (reducing government spending and/or raising taxes).

2. Monetary policy: It is the use of the central bank's tools (such as interest rates and money supply) to influence the economy. Monetary policy can be expansionary (lowering interest rates and/or increasing money supply) or contractionary (raising interest rates and/or reducing money supply).

3. Supply-side policies: These policies aim to increase the economy's productive capacity by promoting investment, innovation, and entrepreneurship.

Know more about the macroeconomy

https://brainly.com/question/28183019

#SPJ11

Any sunk costs and financing costs should be considered when
determining the cash flow of an investment project.
Group of answer choices
True
False

Answers

True. Sunk costs and financing costs should be considered when determining the cash flow of an investment project.

Sunk costs are costs that have already been incurred and cannot be recovered regardless of whether the investment project is accepted or rejected. Financing costs refer to the cost of obtaining the funds necessary to finance the investment project, such as interests on loans. Both sunk costs and financing costs are relevant for the calculation of net present value and internal rate of return, which are used to evaluate the profitability of the investment project. Therefore, it's important to consider these costs when estimating the cash inflows and outflows associated with the investment project.

Learn more about Sunk costs from

https://brainly.com/question/14848662

#SPJ11

Write about the retelling an agreement you or someone you know entered into. Explain how the contract meets the elements of the contract. Make sure to include the facts, circumstances, and terms. Expl

Answers

Sure, I'll be happy to help you out! Here's an example of a retelling of an agreement: My friend John wanted to buy a car from his neighbor, Tom. They agreed that John would pay Tom $5,000 for the car. They met at Tom's house to sign the contract, which stated that John would pay the full amount within two weeks.

The contract also stated that if John failed to make the payment within that time frame, Tom would be entitled to keep the car and any money that John had already paid. Tom also agreed to provide John with the car's title, registration, and a bill of sale. The contract stated that Tom would provide these documents to John upon receipt of the full payment. Both parties agreed to the terms of the contract and signed it.

John made the payment on time and Tom provided him with all the necessary documents. The contract met the four elements of a contract, which are: Offer: The offer was made by Tom to sell the car to John for $5,000.Acceptance: John accepted the offer by agreeing to pay the full amount within two weeks. Consideration: The consideration was the $5,000 that John paid for the car. Mutual agreement: Both parties agreed to the terms of the contract by signing it.

To know more about agreement visit:

https://brainly.com/question/24225827

#SPJ11

if+the+price+of+cocoa+rises+by+20%,+the+quantity+supplied+of+cocoa+rises+by+4%.+what+is+the+elasticity+of+supply?

Answers

In this case, the elasticity of supply is 0.2, which is a low value. This means that the quantity supplied of cocoa is relatively insensitive to changes in its price.

The elasticity of supply refers to the responsiveness of the supply of a particular good or service to changes in its price. In this case, if the price of cocoa rises by 20% and the quantity supplied of cocoa rises by 4%, the elasticity of supply can be calculated using the following formula:
Elasticity of Supply = (% Change in Quantity Supplied) / (% Change in Price)
Substituting the given values into the formula, we get:
Elasticity of Supply = (4%) / (20%)
Elasticity of Supply = 0.2
The elasticity of supply is an important concept in microeconomics. It refers to the responsiveness of the supply of a particular good or service to changes in its price. Elasticity of supply can be used to predict how the quantity supplied of a good or service will change in response to a change in its price. If the elasticity of supply is high, then even a small change in the price of the good or service will result in a large change in the quantity supplied. On the other hand, if the elasticity of supply is low, then a change in the price of the good or service will have little effect on the quantity supplied.The elasticity of supply is calculated using the formula: Elasticity of Supply = (% Change in Quantity Supplied) / (% Change in Price). If the percentage change in the quantity supplied is greater than the percentage change in price, then the elasticity of supply is said to be elastic. If the percentage change in quantity supplied is less than the percentage change in price, then the elasticity of supply is said to be inelastic.

To know more about elasticity of supply visit:

https://brainly.com/question/30999432

#SPJ11

What does Dynamic Steel need to do to be successful with
the new product (wider rolled flange beam)?
!!! < 305 of 484 > Aa Next 6. Dynamic Steel Dynamic Steel is one of two major producers of wide-flange beams in the United States. The other producer is USX. A number of small firms also compete, but

Answers

To be successful with the new product, the wider rolled flange beam, Dynamic Steel should consider the following strategies:

Product Differentiation: Dynamic Steel needs to differentiate its wider rolled flange beam from competitors' products. This can be done by highlighting unique features, such as superior quality, enhanced durability, or cost-effectiveness. By offering a distinct value proposition, Dynamic Steel can attract customers and gain a competitive advantage.Market Research: Conducting thorough market research is crucial to understand customer needs, preferences, and trends. This will help Dynamic Steel identify target markets, assess demand, and tailor their marketing and production strategies accordingly. Understanding the specific applications and industries that require wider rolled flange beams will allow Dynamic Steel to focus its efforts and resources effectively.Cost Efficiency: Dynamic Steel should aim to achieve cost efficiency in its production processes.

To know more about Steel click the link below:

brainly.com/question/29357936

#SPJ11

In May 2021 an outbreak of violence in the ongoing Israeli-Palestinian conflict commenced. The conflict destroyed a substantial amount of Palestine's physical capital. You thus conclude that 1. in June 2021 the marginal product of labour in Palestine would be lower than it was before the conflict commenced. 11. the labour demand curve will shift to the left resulting in a lower real wage. III. the production function will shift up as a result of the conflict. Select one: Row O a. Statement II is correct. O b. Statements I and II are correct. O c. Statement I is correct. O d. Statements II and III are correct.

Answers

C) Statement I is correct. The outbreak of violence and destruction of physical capital in Palestine would likely lead to a decrease in the marginal product of labor in June 2021 compared to before the conflict.

When physical capital is destroyed, the productive capacity of an economy is reduced, leading to a decrease in the marginal product of labor. This means that each additional unit of labor employed will contribute less to the overall output of goods and services. Consequently, statement I is correct as the conflict's impact would likely lower the marginal product of labor in Palestine.

Statements II and III are not necessarily correct. Statement II assumes that the labor demand curve will shift to the left, resulting in a lower real wage, but this is not explicitly stated or implied in the given information. Statement III suggests that the production function will shift up as a result of the conflict, but the destruction of physical capital is more likely to shift the production function downwards or reduce its overall productivity.

Learn more about physical capital here:

https://brainly.com/question/13568995

#SPJ11

If the interest rate on a 2-year investment is 7.35% compounded
semiannually, what is the equivalent interest rate compounded
a. quarterly?
b. annually?
c. monthly?

Answers

The equivalent interest rate compounded quarterly is 7.48%, compounded annually is 7.60% and compounded monthly is 7.68%.

The interest can be compounded quarterly, monthly and annually. We have to calculate the equivalent interest rates compounded quarterly, annually and monthly.

We can use the formula as follows:

A = P(1 + r/n)^nt

Where, A = Final amount, P equivalent interest rate compounded quarterly:

Here, n = 4 and t = 2 as the investment is for 2 years.

A = P(1 + r/n)^nt

A = P(1 + 0.0735/4)^(4*2)

A = P(1.018375)^8

A = 1.018375^8P

The equivalent interest rate compounded annually

:Here, n = 1 and t = 2 as the investment is for 2 years.

A = P(1 + r/n)^nt

A = P(1 + 0.0735/1)^(1*2)

A = P(1.0735)^2

A = 1.0735^2P

The equivalent interest rate compounded monthly:

Here, n = 12 and t = 2 as the investment is for 2 years.

A = P(1 + r/n)^nt

A = P(1 + 0.0735/12)^(12*2

)A = P(1.005875)^24

A = 1.005875^24P

The interest rate is given as 7.35% compounded semiannually, i.e. interest is paid twice a year. Now, we are supposed to calculate the equivalent interest rate if interest is compounded quarterly, annually and monthly.

The equivalent interest rate compounded quarterly:

Let’s say the interest rate compounded quarterly is r1.

Let P be the principal, and n1 be the number of times interest is paid per year; here n1 = 4 as it is compounded quarterly.

Now, A = P(1 + r1/n1)^(nt1), where t1 = 2 years (as the investment is for 2 years).

Now, substituting the values we get:1.0735 = 1 + r1/4r1 = 0.0735*4r1 = 0.294

Therefore, the equivalent interest rate compounded quarterly is 7.48%.The equivalent interest rate compounded annually:

Let’s say the interest rate compounded annually is r2.Let P be the principal, and n2 be the number of times interest is paid per year; here n2 = 1 as it is compounded annually.

Now, A = P(1 + r2/n2)^(nt2), where t2 = 2 years (as the investment is for 2 years).

Now, substituting the values we get:1.0735 = 1 + r2/1r2 = 0.0735

Therefore, the equivalent interest rate compounded annually is 7.60%.

The equivalent interest rate compounded monthly:

Let’s say the interest rate compounded monthly is r3.

Let P be the principal, and n3 be the number of times interest is paid per year; here n3 = 12 as it is compounded monthly.

Now, A = P(1 + r3/n3)^(nt3), where t3 = 2 years (as the investment is for 2 years).

Now, substituting the values we get:1.0735 = 1 + r3/12r3 = 0.0735*12r3 = 0.882

Therefore, the equivalent interest rate compounded monthly is 7.68%.

The equivalent interest rate compounded quarterly is 7.48%, compounded annually is 7.60% and compounded monthly is 7.68%.

Learn more about equivalent interest rate: https://brainly.com/question/24253917

#SPJ11

Inflation means that: o prices in the aggregate are rising, although some particular prices may be falling o all prices are rising and at the same rate. all prices are rising, o but at different rates. o real incomes are rising.

Answers

a) The competitive equilibrium quantity is found by setting the quantity supplied (10q) equal to the quantity demanded (2000 - 10p) and solving for q.

b) The efficient quantity is where the marginal social cost (MSC = C(q) + MEC) intersects with the demand curve (D = 2000 - 10p). Solving for q will give the efficient quantity.

In a competitive market, the quantity produced and consumed is determined by the interaction of supply and demand forces. In this scenario, there are 10 producers with a cost curve of C(q) = q? and a demand curve given by D = 2000 - 10p.

To find the competitive equilibrium quantity, we equate the quantity supplied by the producers (10q) with the quantity demanded by consumers (2000 - 10p). Solving this equation will give us the quantity at which supply equals demand, representing the competitive equilibrium quantity produced and consumed.

By substituting this equilibrium quantity into the demand curve equation, we can determine the corresponding price in the competitive market.

Learn more about competitive here;

https://brainly.com/question/28267513

#SPJ11

T
or F
A cost managem ent system provides informatio n for strategic managem ent decisions and financial reporting. The wages of the janitor in the factory are indirect costs for a manufact ured product.

Answers

The statement "A cost management system provides information for strategic management decisions and financial reporting. The wages of the janitor in the factory are indirect costs for a manufactured product." is True.

A cost management system provides information for strategic management decisions and financial reporting. It helps organizations track and analyze costs associated with their operations, products, and services. This information is essential for making informed decisions at various levels, including strategic planning, resource allocation, performance evaluation, and financial reporting. Cost management systems provide insights into cost behavior, cost drivers, cost variances, and cost allocation, enabling organizations to identify areas for cost reduction, efficiency improvements, and profitability enhancement.

The wages of the janitor in the factory are indirect costs for a manufactured product. Indirect costs are expenses that cannot be directly traced to a specific product or service but are necessary for the overall functioning of the manufacturing process. The wages of a janitor, who performs general cleaning and maintenance tasks in the factory, do not directly contribute to the production of a specific manufactured product. However, they are necessary to maintain a clean and safe working environment, which indirectly supports the manufacturing process and the production of goods. Therefore, the wages of the janitor would be classified as indirect costs in the context of manufacturing products.

To know more about Products visit-

brainly.com/question/29423646

#SPJ11

book summation Quality Teaching in a Culture of Coaching
by Stephen Barkley

Answers

Quality Teaching in a Culture of Coaching is a valuable resource for educators who are looking to improve their coaching skills and help their students achieve better results.

Quality Teaching in a Culture of Coaching by Stephen Barkley is a book that focuses on the importance of teacher coaching as a means of improving student outcomes. The book explores the different coaching models that exist and how they can be applied in different contexts. It also delves into the skills and attributes that effective coaches possess, and how they can be developed. Barkley argues that coaching should be a continuous process and should not be seen as a one-off event.

In conclusion,  The book provides a thorough explanation of different coaching models and techniques, as well as practical advice on how to implement them in the classroom. Whether you are a teacher, administrator, or coach, this book will help you to become more effective in your role.

To know more about resource visit:

brainly.com/question/30665595

#SPJ11

When developing your business strategy and want to enter a new market, you always analyze the following business threats that might negatively impact your business? [more than one answer] a) New competitors in the market b) New product in the market c) Customers' influence d) Your time management

Answers

When developing a business strategy and entering a new market, it is important to analyze multiple potential threats that could negatively impact your business. Some of the common threats to consider include:

a) New competitors in the market: The entry of new competitors can disrupt the market dynamics, intensify competition, and potentially erode market share or customer base.

b) New product in the market: The introduction of a new product that offers superior features, benefits, or pricing can attract customers away from existing offerings and pose a threat to your business.

c) Customers' influence: Changes in customer preferences, demands, or expectations can significantly impact your business. Failing to meet customer needs or address their concerns can lead to a loss of market share or customer loyalty.

d) Your time management: While not a direct threat from external sources, ineffective time management can hamper your ability to respond to market changes, adapt to customer needs, and stay ahead of the competition. It is important to allocate time efficiently to critical business tasks and priorities.

Analyzing these threats allows businesses to develop strategies to mitigate risks, identify opportunities, and ensure long-term success in the new market. It is essential to conduct thorough market research, monitor industry trends, and maintain flexibility to adapt to changing circumstances.

Learn more about potential threats visit:

brainly.com/question/30413966

#SPJ11

Why did heavy metal and rap become such sources of controversy in the 1980s? What was it about these two genres of popular music that posed such a threat to so many observers, cultural critics, and politicians? What evidence can you and your classmates cite to suggest that the perceived threats have disappeared or are still active today?

Answers

In the 1980s, heavy metal and rap emerged as genres that sparked significant controversy and concern among observers, cultural critics, and politicians.

The controversy surrounding heavy metal was largely fueled by its aggressive sound, dark lyrical themes, and perceived association with Satanism. Many conservative groups and religious organizations viewed heavy metal as a corrupting influence on youth, promoting violence, drug abuse, and anti-establishment sentiments.

Rap, on the other hand, faced criticism due to its explicit lyrics, which often discussed topics like violence, drugs, and misogyny. The predominantly African-American origins of rap also contributed to the controversy, as it was seen as a cultural expression that challenged the established social order.

Both genres were seen as threats because they challenged prevailing societal norms and values, particularly in terms of morality and authority. They were considered a disruption to the mainstream cultural landscape, making them targets of moral panic and calls for censorship.

Today, the perceived threats associated with heavy metal and rap have diminished to some extent. Both genres have become more diverse and inclusive, incorporating various themes and styles.

Heavy metal, for instance, has diversified into subgenres like alternative metal, nu metal, and metalcore, broadening its appeal. Rap has evolved into a global phenomenon, with artists addressing a wider range of social and personal issues.

However, it is important to note that controversy still surrounds these genres in certain contexts. Some lyrical content and themes continue to generate criticism and calls for censorship, particularly when it comes to explicit content or glorification of violence. However, the widespread acceptance and popularity of heavy metal and rap in mainstream culture indicate a significant shift in societal attitudes and a greater recognition of these genres as valid forms of artistic expression.

To know more about heavy metal click this link-

https://brainly.com/question/32152240

#SPJ11

Problem 1: Repairs arrive at a small-engine repair shop in a totally random fashion at the rate of 10 per day. 1. What is the average number of jobs that are received daily at the repair shop. 2. What is the probability that no jobs will arrive during any 1 hour, assuming that the ship is open 8 hours a day?

Problem 2: Cars arrive at a gas station randomly every 2 minutes, on average. 1. Determine the probability that the interarrival time of cars does not exceed 1 minute. 2. Determine the probability that the interarrival time of cars is 5 minutes at most.

Problem 3: A device has a constant failure rate of = 0: 02 failures per hour. 1. What is the probability that it will fail during the first 10 hours of operations? 2. Suppose that the device has been successfully operated for 100 hours. What is the probability that it will fail during the next 10 hours of operations?

Problem 4: The lifetimes of two independent components have hazard functions ଵ() = 1 and ଶ () = 2; ≥ 0. Find the survivor and the hazard functions for the system lifetime, and the mean time to system failure in the following two cases: 1. the two components are arranged in series. 2. the two components are arranged in parallel.

Answers

Problem 1:1. The average number of jobs received daily at the repair shop is 10.2. The probability that no jobs will arrive during any 1 hour, assuming that the shop is open 8 hours a day is 0.0000454.

Problem 2:1. The probability that the interarrival time of cars does not exceed 1 minute is 0.2642.2. The probability that the interarrival time of cars is 5 minutes at most is 0.9933.

Problem 3:1. The probability that the device will fail during the first 10 hours of operations is 0.1672.2. The probability that the device will fail during the next 10 hours of operations is 0.1931.

Problem 4:1. Series: Survivor function, S(t) = exp(-t) + exp(-2t). Hazard function, h(t) = 1 + 2e-t / 1 + e-t. Mean time to system failure, MTSF = 3. Parallel: Survivor function, S(t) = 1 - exp(-t)exp(-2t). Hazard function, h(t) = 3e-2t. Mean time to system failure, MTSF = 1.5.

To know more about the probability visit:

https://brainly.com/question/12843626

#SPJ11

according to michael porter, superior profitability goes to a firm that

Answers

According to Michael Porter, superior profitability goes to a firm that successfully differentiates its products or services from competitors and achieves a competitive advantage in the market.

Michael Porter, a renowned strategist, emphasizes the importance of achieving a competitive advantage in order to attain superior profitability. He argues that a firm must differentiate itself from competitors in order to create a unique and valuable position in the market. This can be achieved through various means, such as offering innovative products or services, superior quality, exceptional customer service, or unique features that are valued by customers. This means offering unique value to customers that is difficult for competitors to replicate, allowing the firm to command higher prices or achieve cost efficiencies, ultimately leading to greater profitability.

Learn more about market here:

https://brainly.com/question/27847462

#SPJ11

In measuring money supply, M3 contains _ asset and _ liquidity than M1.
a. more; less
b. less; less
c. more; more
d. less; more
In the production function where Y= f (K, L), which of the following assumptions are irrelevant?
a. the technology level is fixed.
b. the production is based on a constant return to scale
c. the technology advancement is not considered.
d. the production is based on economies of scale.

Answers

In measuring money supply, M3 contains more assets and greater liquidity than M1. Therefore, the correct answer is:

c. more; more

In the production function where Y = f(K, L), the assumption that is irrelevant is:

b. the production is based on a constant return to scale

The assumption of constant returns to scale is not relevant in the context of the production function because it does not affect the relationship between inputs (capital and labor) and output (Y). It assumes that increasing or decreasing the scale of production does not affect the efficiency or productivity of the factors of production. The other assumptions listed are relevant to the production function:

a. the technology level is fixed: This assumption considers the level of technology as constant and does not account for technological advancements.

c. the technology advancement is not considered: This assumption assumes no changes or advancements in technology.

d. the production is based on economies of scale: This assumption implies that increasing the scale of production leads to cost advantages and increased efficiency.

Therefore, the correct answer is:

b. the production is based on a constant return to scale

Learn more about liquidity visit:

brainly.com/question/31139944

#SPJ11

One year ago, an individual invested $75,000 in a business and today that investment is worth $100,000. What was this investor's ROI for the year? a. 33.3% b. 133 % C 25.0% d. 40.0%

Answers

One year ago, an individual invested $75,000 in a business and today that investment is worth $100,000, the investor's ROI for the year is 33.33%.

To calculate the investor's ROI (Return on Investment), we can use the following formula:

ROI = ((Final Value - Initial Value) / Initial Value) * 100

Given that the initial investment was $75,000 and the final value is $100,000, we can substitute these values into the formula:

ROI = (($100,000 - $75,000) / $75,000) * 100

= ($25,000 / $75,000) * 100

= 0.3333 * 100

= 33.33%

Therefore, the investor's ROI for the year is 33.33%.

So, One year ago, an individual invested $75,000 in a business and today that investment is worth $100,000 the investor's ROI for the year is 33.33%.

To know more about investor , visit :

https://brainly.com/question/31933294

#SPJ11

Summit Systems will pay an annual dividend of $1.57 this year. If you expect Summit's dividend to grow by 5.8% per year, what is its price per share if the firm's equity cost of capital is 11.9%? The

Answers

Given that Summit Systems will pay an annual dividend of $1.57 this year and the dividend is expected to grow at a rate of 5.8% per year, we need to determine the price per share of the company's stock.

The price per share of a stock can be calculated using the dividend discount model (DDM). The DDM formula states that the price per share is equal to the dividend expected to be received divided by the difference between the equity cost of capital and the dividend growth rate. Using the given information, we can plug in the values into the DDM formula and calculate the price per share. The dividend expected to be received is $1.57, the dividend growth rate is 5.8%, and the equity cost of capital is 11.9%.

By substituting these values into the formula, we can find the price per share of Summit Systems' stock. The calculation takes into account the expected future dividends and discounts them back to the present value based on the equity cost of capital. This provides an estimate of the price per share that reflects the expected future cash flows generated by the company.

Learn more about stock from here:

https://brainly.com/question/29044549

#SPJ11

SPECIALIZED FREIGHT SERVI IBM4B Problem Gus G Lazopoulos 20 points Please work on thi Class comme Add a class comm Scenario: Your customer has contacted you to move cargo from Montreal, Canada to Capetown, South Africa. Your job as a freight forwarder is to find the type of ship best suited to carry this cargo. In the About Ships lesson you learnt that there are different types of ships to carry different types of cargo. Many are purpose built to accommodate a specific type of cargo, others can handle a variety of different cargoes. Note: In the real world it is a good idea to, at the very least, have a picture of the cargo as well as its dimensions and weight. Instructions: Look at the cargo and pay particular attention to the dimensions; Look at the standard dimensions and weights for containers on the chart provided. Cargo specifications: Dimensions: 30 ft L x 10 ft W x 12 ft H excavator Weight: 35,000 lb The unit is self-propelled and on tracks Load port: Discharge port: CAT Baltimore, MD Antwerp, Belgium CAT 345B L Assigned orts available dd or create rk as done mments to Gus G Lazopoulos D Container specifications: Container Type 20 ft standard 90 in. ft ft High 40 standard 40 Cube 45 ft Cube High 20 ft Open Top 40 ft Open Top 20 ft Flat Rack 40 ft Flat Rack Container Type 20 ft Standard 40 ft Standard 40 ft High Cube Average Inside Container Dimensions Length Width 232 in 90 in 474 in 90 in 474 in 90 in 534 in 90 in 232 in 90 in 474 in 90 in 220 in 96 in 462 in 90 in Average Inside Volume Capacity Palletized Cargo Volume 25-28 m³ 45-50 m³ 50-55 m³ Height Max. Payload 90 in 20,000 kg 90 in 102 in 25,000 kg 25,000 kg 25,000 kg 20,000 kg 102 in 94 in 94 in 25,000 kg 90 in 20,000 kg 78 in 25,000 kg Un-palletized Cargo Volume 28-30 m³ 55-60 m³ 65-70 m³

Answers

The best-suited vessel for carrying this cargo would be a break-bulk vessel. The cargo can be loaded at CAT Baltimore, MD and discharged at Antwerp, Belgium. The CAT 345B L would be assigned ports available.

For the given cargo specifications of an excavator of dimensions 30 ft L x 10 ft W x 12 ft H and weight 35,000 lb, the type of ship best suited for carrying this cargo would be a break-bulk vessel.The break-bulk vessels are used for carrying heavy and large cargoes that are too big to fit inside containers. These vessels have standard dimensions and weights for cargo that are carried in break-bulk including excavators, cranes, etc.The cargo can be loaded and unloaded through the ship's hold using the ship's own cranes, or through the ship's side using shore cranes. The cargo is properly secured to prevent any damage during transportation.The standard dimensions and weights for containers on the chart provided do not match the given cargo specifications of the excavator. Therefore, the best-suited vessel for carrying this cargo would be a break-bulk vessel. The cargo can be loaded at CAT Baltimore, MD and discharged at Antwerp, Belgium. The CAT 345B L would be assigned ports available.

To know more about break-bulk vessel visit:

https://brainly.com/question/7274675

#SPJ11

The opportunity cost of an action is the: Multiple Choice None of the statements associated with this question are correct. monetary payment the action required. value of the most highly valued alternative action given up. cost of all alternative actions that could have been taken.

Answers

The opportunity cost of an action is the  value of the most highly valued alternative action given up.

Option C is correct.

What is opportunity cost and advantage?

Opportunity cost is the worth or advantage of an elective decision contrasted with the worth of what is picked. The idea of chance expense is utilized in decision-production to assist people and associations with settling on better decisions, essentially by thinking about the other options.

How significant is opportunity cost?

By considering all of the options available before making a decision, opportunity cost helps individuals and businesses make decisions that are more informed. They will be able to determine if the advantages of their chosen option outweigh the drawbacks, or if there are better options available.

Incomplete question:

The opportunity cost of an action is the: Multiple Choice

A.None of the statements associated with this question are correct.

B. monetary payment the action required.

C. value of the most highly valued alternative action given up.

D. cost of all alternative actions that could have been taken.

Learn more about Opportunity cost:

brainly.com/question/30726111

#SPJ4

QUESTION 35 In a candle chart, red candles represent and downward price movement and the top of the candle's body represents the asset's open price O True False

Answers

The correct answer is False. In a candle chart, red candles do represent a downward price movement, but the top of the candle's body represents the asset's closing price, not the open price.

In candlestick charts, each candle represents a specific time period (e.g., one day) and provides information about the price movement during that period. The body of the candle represents the range between the opening and closing prices, while the upper and lower lines, called "wicks" or "shadows," represent the highest and lowest prices reached during that time.

For a red candle, the top of the body indicates the closing price, which is lower than the opening price. Conversely, for a green or bullish candle, the bottom of the body represents the opening price, while the top represents the closing price, which is higher.

Therefore, the statement that the top of the candle's body represents the asset's open price is incorrect. The top of the body actually represents the closing price.

To learn more about candlestick click here:

brainly.com/question/30637096

#SPJ11

Mandume Toivo is the head of catering at the University of Namibia. The University has well-established cafeterias on each of its five campuses. These cafeterias serve wholesome meals to staff and students. Their operating times are from 8am – 4pm, Monday to Friday. There are numerous part-time students, who come straight from work and spend at least three hours in lectures. He would like to introduce vending machines at certain points on all the campuses to cater for these part-time students. These vending machines would have to be stocked and checked for 36 weeks of the year. The University of Namibia would have to hire these vending machines for a year – the annual lease rental per machine is N$6 000. These vending machines would stock healthy snacks, fruit juices, etc. The average selling price of these items is N$10 and the average variable cost per item is N$8. A worker would be required to restock the machines – their wages per week would be N$250. These machines would have to be serviced regularly – the annual service charge would be N$1 200. The estimated electricity cost of operating these machines is N$45 per week. The estimated sales for the year would amount to N$99 000, for each machine. Mandume is required to submit a proposal to the finance committee at the University of Namibia investigating the viability of introducing vending machines on campus. Required Marks Sub-total Total Prepare the proposal on her behalf.
The proposal must include the following:
1.1 The breakeven point in units, budgeted profit and the margin of safety ratio.
1.2 The number of units that must be sold to ensure a profit of at least N$5 000. His proposal should also investigate the following possible changes:
1.3 If the vending machine company increases the rental of the machines by 3%, what impact would this have on the breakeven point, margin of safety and net profit?
1.4 If 12 machines were introduced and advertising costs of N$15 000 were incurred, how much sales must the advertising campaign generate in order to be effective?

Answers

Proposal:

Subject: Introduction of Vending Machines at University of Namibia

We propose the introduction of vending machines at various points on all five campuses of the University of Namibia to cater to the needs of part-time students. These vending machines will provide convenient access to healthy snacks and beverages during their study hours.

1.1 Breakeven Analysis:

To assess the viability of this initiative, we conducted a breakeven analysis. Based on the provided information, here are the results:

Selling price per item: N$10

Variable cost per item: N$8

Lease rental per machine (annual): N$6,000

Weekly wages for restocking: N$250

Annual service charge per machine: N$1,200

Weekly electricity cost per machine: N$45

Breakeven Point:

Breakeven Point (in units) = Fixed Costs / Contribution Margin per Unit

Fixed Costs = Lease rental + Service charge + (Weekly wages x 36 weeks) + (Weekly electricity cost x 36 weeks)

Contribution Margin per Unit = Selling price - Variable cost

Budgeted Profit:

Budgeted Profit = (Selling price - Variable cost) x Number of units sold - Total Costs

Margin of Safety Ratio:

Margin of Safety Ratio = (Actual Sales - Breakeven Sales) / Actual Sales

1.2 Profit Target:

To ensure a profit of at least N$5,000, we need to calculate the number of units that must be sold.

Profit Target = N$5,000

Profit Target = (Selling price - Variable cost) x Number of units sold - Total Costs

1.3 Impact of Rental Increase:

If the vending machine company increases the rental of the machines by 3%, the breakeven point, margin of safety, and net profit will be affected. The new calculations need to be performed using the updated rental cost.

1.4 Advertising Campaign:

If 12 machines are introduced and advertising costs of N$15,000 are incurred, we need to determine the sales target to deem the advertising campaign effective.

Advertising Cost = N$15,000

Sales Target = (Total Costs + Advertising Cost) / Contribution Margin per Unit

Introducing vending machines at the University of Namibia campuses would provide a convenient solution for part-time students. The breakeven analysis and profit targets will help us assess the financial viability of this initiative. Additionally, we can explore the potential impact of rental increases and determine the sales target for an effective advertising campaign.

Please let us know if you require any further information or analysis to support this proposal. We believe that this initiative will enhance the student experience and contribute positively to the University's catering services.

Thank you for considering our proposal.

Sincerely,

Mandume Toivo

Head of Catering

University of Namibia

To know more about advertising, visit;

https://brainly.com/question/28220984

#SPJ11

The company’s Accounting Department has prepared absorption costing income statements for July and August as presented below:
July August
Sales $900,000 $1,200,000
Cost of goods sold 600,000 800,000
Gross margin 300,000 400,000
Selling and administrative expenses 290,000 305,000
Net operating income $10,000 $95,000
1. Determine the unit product cost under absorption costing and variable costing.
Absorption costing:
Variable Costing:
Prepare contribution format variable costing income statements for July and August.

Answers

Under absorption costing, all manufacturing costs, both fixed and variable, are allocated to products, while under variable costing, only variable manufacturing costs are assigned to the products.

The following are the unit product costs under absorption and variable costing. July August Absorption costing $20 $20 Variable costing $12 $12. Contribution format variable costing income statements for July and August are given below: July August Sales $900,000 $1,200,000 Variable expenses: Cost of goods sold 360,000 480,000 Selling and administrative expenses 140,000 147,000 Total variable expenses 500,000 627,000 Contribution margin 400,000 573,000 Fixed expenses: Manufacturing overhead 50,000 50,000 Selling and administrative expenses 150,000 158,000 Total fixed expenses 200,000 208,000 Net operating income $200,000 $365,000

In conclusion, the unit product cost is $20 under both absorption and variable costing. Furthermore, net operating income is $10,000 for July and $95,000 for August using absorption costing. Net operating income is $200,000 for July and $365,000 for August using variable costing.

To know more about absorption visit:

brainly.com/question/30697449

#SPJ11

The supply of luxury boats is perfectly elastic, the demand for luxury boats is unit elastic, and with no tax on luxury boats, the price is $3 million and 330 luxury boats a week are bought. Now luxury boats are taxed at 20 %. After the tax is imposed the buyer pays--------- for luxury boat The government raises tax revenue of $---------million. For this they give an answer of 165.0 million.

Answers

After the imposition of a 20% tax on luxury boats, the buyer pays $3.6 million for a luxury boat. The government raises tax revenue of $165.0 million.

Initially, without any tax, the price of a luxury boat is $3 million, and 330 luxury boats are bought each week. The demand for luxury boats is unit elastic, meaning that a 1% change in price leads to an equal percentage change in quantity demanded. Since the demand is unit elastic and the supply is perfectly elastic, the price is determined solely by the demand, resulting in a price of $3 million. When a 20% tax is imposed on luxury boats, the buyer has to pay the tax in addition to the original price. Therefore, the new price paid by the buyer is $3 million (original price) + 20% of $3 million (tax), which equals $3.6 million. The government collects tax revenue from the luxury boat sales. Since the tax rate is 20% and the quantity sold is 330 luxury boats, the tax revenue can be calculated by multiplying the tax rate by the quantity. In this case, the tax revenue is 20% of $3 million multiplied by 330, which equals $165.0 million. Therefore, after the tax is imposed, the buyer pays $3.6 million for a luxury boat, and the government raises tax revenue of $165.0 million.

Learn more about tax here

https://brainly.com/question/12611692

#SPJ11

when selecting a proxy variable to represent market data that is not readily available researchers should selecta data series that is highyly:___.

Answers

When selecting a proxy variable to represent market data that is not readily available, researchers should select a data series that is highly correlated with the target data series. This ensures that the proxy variable accurately represents the target variable, which is important for ensuring the accuracy and reliability of the research findings.

When selecting a proxy variable to represent market data that is not readily available, researchers should select a data series that is highly correlated with the target data series. Researchers often use a proxy variable to represent a variable that is difficult to observe or measure directly. This method has the benefit of being cost-effective and less time-consuming. However, the use of a proxy variable comes with some disadvantages, such as a potential lack of accuracy.
In order to select an appropriate proxy variable, researchers should focus on finding one that is highly correlated with the target data series. This means that the proxy variable should have a strong relationship with the variable that is being measured, such as a positive or negative correlation. The strength of this relationship can be measured using statistical methods such as the Pearson correlation coefficient.
The use of a highly correlated proxy variable is important because it ensures that the proxy variable accurately represents the target variable. This, in turn, ensures that the research findings are accurate and can be relied upon. Additionally, a highly correlated proxy variable can help to reduce the potential for bias in the research findings.
In summary, when selecting a proxy variable to represent market data that is not readily available, researchers should select a data series that is highly correlated with the target data series. This ensures that the proxy variable accurately represents the target variable, which is important for ensuring the accuracy and reliability of the research findings.

To know more about market data visit :

https://brainly.com/question/32384210

#SPJ11

Huehn-Brown Products in St. Petersburg offers the following discount schedule for its 4-by-8-foot sheets of quality plywood Order Unit Cost 9 sheets or less $16.00 10 to 50 sheets $15 50 More than 50 sheets $15 25 Home Sweet Home Company orders plywood from Mughn Brown. Home Sweet Homo has an ordering cost of S60 Carrying cost is 23%, and annual demand is 150 shoots. What do you recommend? The best strategy is to order sheets, at a total cost of $ (round your responses to the nearest whole number)

Answers

The best strategy for Home Sweet Home Company is to order 192 sheets, at a total cost of $2,880.

To find the optimal order quantity for Home Sweet Home Company, we can use the economic order quantity (EOQ) formula:

EOQ = sqrt((2DS)/H)

Where:

D = annual demand = 150 sheets

S = ordering cost per order = $60

H = carrying cost as a percentage of unit cost = 0.23 * $15 = $3.45

Plugging in the values, we get:

EOQ = sqrt((2 * 150 * 60)/3.45) = 191.7

Since we cannot order a fractional number of sheets, we should round up to the nearest integer and order 192 sheets.

Now, let's calculate the total cost of this order. Since we are ordering more than 50 sheets, each sheet costs $15. Therefore, the total cost of the order is:

Total cost = Order quantity * Unit Cost + Ordering cost

Total cost = 192 * $15 + $60 = $2,880

So, the best strategy for Home Sweet Home Company is to order 192 sheets, at a total cost of $2,880.

Learn more about economic order quantity from

https://brainly.com/question/26814787

#SPJ11

Correcting the Trial Balance: Failed to record the following AJE: Alpha has a $20,000, 36-month, 5% certificate of deposit (CD) with Beta Bank. The CD was issued by the bank on October 1. The interest is to be received when the CD matures. What corrections, if any, should be made to the trial balance?

Answers

Alpha has a $20,000, 36-month, 5% certificate of deposit (CD) with Beta Bank. The CD was issued by the bank on October 1. The interest is to be received when the CD matures.Calculation of interest on CD:Interest on CD = $20,000 * 5% * (12/12) = $1,000 per annumInterest for 3 months = $1,000 * 3/12 = $250.

Journal Entry to record the interest earned by Alpha:Particulars|Debit|CreditInterest Receivable|$250Interest Income|$250Corrections in the Trial balance:Once the Journal entry is passed, the amount of $250 would be posted to the respective ledger accounts, i.e., Interest Receivable and Interest Income accounts and the balance in the trial balance would be corrected. Hence, the corrections required in the trial balance are to post the entry to the respective ledger accounts.

Once the Journal entry is passed, the amount of $250 would be posted to the respective ledger accounts, i.e., Interest Receivable and Interest Income accounts and the balance in the trial balance would be corrected. Hence, the corrections required in the trial balance are to post the entry to the respective ledger accounts. Alpha has a $20,000, 36-month, 5% certificate of deposit (CD) with Beta Bank. The CD was issued by the bank on October 1. The interest is to be received when the CD matures.Calculation of interest on CD:Interest on CD = $20,000 * 5% * (12/12) = $1,000 per annumInterest for 3 months = $1,000 * 3/12 = $250.

To know more about certificate visit:

https://brainly.com/question/28329455

#SPJ11

What is the probability that the first 2 clients reject him? 2) What is the probability that the third client is the first one to be convinced to buy the time-machine? 3) What is the probability that the sale man has called at least 4 clients when he sells his first time-machine? 4) What is the probability that the sixth client is the fourth client who buys the time-machine? 5) What is the expected number of clients that the sales man is going to call to sell his first time-machine? What distribution do you use? 6) What is the expected number of clients that the sales man is going to call to sell his fourth time-machine? What distribution do you use?

Answers

1) The probability that the first 2 clients reject him is `(3/5) x (2/4) = 0.3`. 2) The probability that the third client is the first one to be convinced to buy the time-machine is `(2/5) x (3/4) x (1/3) = 0.05`. 3) The probability that the salesman has called at least 4 clients when he sells his first time-machine is `(3/5) x (2/4) x (1/3) x (2/2) + (3/5) x (2/4) x (2/3) x (1/2) x (2/2) + (3/5) x (2/4) x (2/3) x (1/2) x (1/1) x (2/2) = 0.44`. 4) The probability that the sixth client is the fourth client who buys the time-machine is `(3/5) x (2/4) x (1/3) x (2/2) x (2/2) x (1/1) = 0.1`. 5) The expected number of clients that the salesman is going to call to sell his first time-machine is `10`. 6) The expected number of clients that the salesman is going to call to sell his fourth time-machine is `30`.

1) The probability that the first 2 clients reject him is `(3/5) x (2/4) = 0.3`. This is because after the first client rejects him, there are 3 clients remaining who might reject him. If the first client does reject him, then there are only 4 clients left and only 2 of them might reject him.

2) The probability that the third client is the first one to be convinced to buy the time-machine is `(2/5) x (3/4) x (1/3) = 0.05`. This is because the first two clients have a 2/5 chance of rejecting him, and the third client has a 3/4 chance of not rejecting him.

3) The probability that the salesman has called at least 4 clients when he sells his first time-machine is `(3/5) x (2/4) x (1/3) x (2/2) + (3/5) x (2/4) x (2/3) x (1/2) x (2/2) + (3/5) x (2/4) x (2/3) x (1/2) x (1/1) x (2/2) = 0.44`. This is because there are 3 ways he can sell his first time-machine: on the fourth call, on the fifth call, or on the sixth call.

4) The probability that the sixth client is the fourth client who buys the time-machine is `(3/5) x (2/4) x (1/3) x (2/2) x (2/2) x (1/1) = 0.1`. This is because the first 3 clients have to reject him, and then the fourth, fifth, and sixth clients have to buy from him.

5) The expected number of clients that the salesman is going to call to sell his first time-machine is `10`. This is because the number of calls he makes follows a negative binomial distribution with parameters `r = 4` and `p = 2/5`, and the expected value of this distribution is `r/p = 4/(2/5) = 10`.

6) The expected number of clients that the salesman is going to call to sell his fourth time-machine is `30`. This is because the number of calls he makes follows a negative binomial distribution with parameters `r = 4` and `p = 2/5`, and the expected value of this distribution is `r/p = 4/(2/5) = 10`, and he has to make this many calls for each sale he makes. So for the fourth sale, he has to make `10 x 3 = 30` calls.

To know more about time-machine visit:

https://brainly.com/question/27973693

#SPJ11

what is the brand image that dream dinners has attempted to create and sustain?

Answers

Dream Dinners has created a brand image that emphasizes convenience, family values, healthy eating, and togetherness.

Dream Dinners is a meal-prep company that has established its brand image on several differentiating factors from other meal kit companies. Dream Dinners is a brand that has focused on creating a family-like environment that offers home-style meals to its customers.The brand has successfully created a sense of community through its customer-centric approach, and the company values its customers' interests.

Dream Dinners is more than just a meal kit company; it is a lifestyle, with the company slogan being “Make it easy to gather, eat well and live life.”The company aims to offer a unique service that lets customers have family fun while preparing meals with their loved ones. Dream Dinners' target audience is families that value spending time together and the joys of sharing food.

Dream Dinners strives to offer quality meal prep services that are affordable and accessible to all families across the United States. They have created a unique culture that positions them as a caring and trustworthy brand that has a lot to offer to its clients.

Know more about the target audience

https://brainly.com/question/20812603

#SPJ11

Problem 1 In Smalltown, 60% of all sunny days are followed by sunny days, and 70% of all cloudy days are followed by cloudy days. Use this information to model Smalltown's weather as a Markov chain. Problem 2 Assume that the probability of rain tomorrow is 0.5 if it is raining today, and assume that the probability of its being clear (no rain) tomorrow is 0.9 if it is clear today. Also, assume that these probabilities do not change if information is also provided about the weather before today. 1. Formulate the evolution of the weather as a Markov chain by defining its states and giving its (one-step) transition matrix. 2. By using calculator, find the n-step transition matrix P(") for n = 2, 5, 10, 20. 1

Answers

1. Formulate the evolution of the weather as a Markov chain by defining its states and giving its (one-step) transition matrix In Problem 1, we are given that 60% of all sunny days are followed by sunny days, and 70% of all cloudy days are followed by cloudy days.

The states of the weather are sunny and cloudy, so we can represent the transition between these states using the following matrix:$P = \begin{b matrix}0.6 & 0.4\\0.3 & 0.7\end{b matrix}$This is a Markov chain because it satisfies the Markov property, which states that the probability of transitioning to a future state depends only on the current state and not on any past states.2. By using calculator, find the n-step transition matrix P(") for n = 2, 5, 10, 20.We can find the n-step transition matrix by taking the matrix P to the power of n, i.e. $P^n$. Using a calculator, we can find the following n-step transition matrices for n = 2, 5, 10, 20:$P^2 = \begin{b matrix}0.51 & 0.49\\0.39 & 0.61\end{b matrix}$ $P^5 = \begin{b matrix}0.48269 & 0.51731\\0.46408 & 0.53592\end{b matrix}$ $P^{10} = \begin{b matrix}0.48148 & 0.51852\\0.48148 & 0.51852\end{b matrix}$ $P^{20} = \begin{b matrix}0.48148 & 0.51852\\0.48148 & 0.51852\end{b matrix}$

To know more about Markov chain visit:

https://brainly.com/question/30998902

#SPJ11

Other Questions
Light from a red laser passes through a narrow single slit to form a diffraction pattern. If the width of the slit is increased, what happens to the central maximum? The central maximum shifts to downward on the screen. The width of the central maximum decreases. The width of the central maximum does not change. The central maximum shifts to upward on the screen. The width of the central maximum increases. Two identical light waves, A and B, are emitted from different sources and meet at a point P. The distance from the source of A to the point P is L_A, and the source of B is a distance L_B from P. Which of the following statements is necessarily true concerning the interference of the two waves? A and B will interfere constructively because their amplitudes are the same. A and B will interfere destructively if L_A > L_B. A and B will interfere constructively because their wavelengths are the same. A and B will interfere constructively If L_A - L_B = m lambda, where m = 1/2, 3/2, 5/2, ... A and B will interfere constructively it L_A - L_B = m lambda, where m = 0, 1, 2, 3.... A beam of light passes from air into water. Which is necessarily true? The wavelength is unchanged, and the frequency decreases. The frequency is unchanged, and the wavelength decreases. The wavelength is unchanged, and the frequency increases. The frequency is unchanged, and the wavelength increases. Both the wavelength and the frequency decrease. Both the wavelength and the frequency increase. r1: A= (3,2,4) m= i+j+kr2: A= (2,3,1) B= (4,4,1)a. Create vector and Parametric forms of the equations of lines r1 and r2b. Find the point of intersection for the two linesc. find the size of angle between the two linesa. b = lal x Ibl x cos 0 a. b = (ai x bi) + (ai x bi) + (ak x bk) 5.3.8 higher/lower 2.0 Which of the following is an example of flexible working arrangements (multiple answers)?Providing employees an option to ignore work they don't want to doChanging the location in which work can be performedGiving employees the responsibility to determine when and where they workJob sharing or other team working arrangementsChanging the days on which an exmployee is expected to work fill in the blank. You will calculate L5 and U5 for the linear function y =13 - 2 w between a = 0 and x = 4 Enter A2 Number 21 Number 22 Number 30 Number 13 Number 24 Number 25 Number # M3 Number Enter the upper bounds on each interval: M1 Number .M2 Number MA Number My Number Hence enter the upper sum Us: Number Enter the lower bounds on each interval: m2 Number my Number m3 Number m4 Number mg Number Hence enter the lower sum L5: Number As a small financial analyst, you have been selected by a client to provide assistance in the following cases: A. Explain why the Future Value of an annuity due is always greater than the Future Value of an ordinary annuity with the same rate of return and the same amount of periodsB. Marcia is planning to buy a car in five years time. She estimates that the car would cost $2.500.000.000. Given that the existing interest rate is 12% how much money should she invest now?C. Marcia has an option to invest in an insurance policy at a rate of 20% to achieve her goal for purchasing the car for $ 2.500.000. How much should she invest at the beginning of each year for the next 5 years in order to achieve her goal?D. If the interest rate decreases from 20% to 15%, by how much would marcia's annual investment in part C, Change? Please give answer to the point!!!Question 5Find a monopoly and a perfectly competitive firm in yoursurroundings and discuss their attributes according to the economictheory of perfect competition in performing tests of controls, the auditor will normally find that Abdullah buys a TV with a cash price RM6,500 by making an initial deposit of RM2,000. The balance will be settled by making 18 monthly deposits of RM300 each. Find the: a) Nominal rate compounded monthly that is being chargedb) Effective rate that is being charged. an analyst who is interested in a company's long term solvency would most likely examine: Mr. ASHOK like to do business, but confused between PRODUCTS OR SERVCIES. So explain how both areas are different from each other. Suggest me which product orservices should start as business. (Please answer in minimum 400 words) A company has a constant demand of 1,200 units per year (or 100 per month). The production cost is $720 per unit, the fixed setup cost is $2,400 per batch, and the holding cost per unit per year is $144. The production of a batch takes half a month and is completed at once. What is the optimal quantity per batch to produce? 350 200 240 825 186 Which of the following circumstances allow(s) membranes to bypass transport equilibrium?1) Transport that is coupled to a thermodynamically favored process, in which the free energy released from the favorable process drives the thermodynamic transport of another reagent2) Chemical modification of a compound after it crosses to the other side3) The presence of an electrical potential that is maintained across the membrane4) All of these circumstances allow membrane transport processes to avoid reaching equilibrium. The Gini index is very insensitive to even large changes in theincome of the richest person. Imagine doubling the income of therichest person, giving (1, 2, 2x). Show that the new Gini index is0.66 Mr All is an employee of Alba Ltd. He has the use of a car which is used for both business and private mileage for the current VAT quarter. Alba Ltd pays all the petrol costs in respect of the car, to You and your spouse have found your dream home. The sellingprice is $220,000; you will put $50,000 down and obtain a 30-yearfixed-rate mortgage at 12% compounded monthly for the balance.Assume that forward integration and backward integration are sometimes collectively referred to as Solve lim these limits azy . (x cosx) x -3x + nyo (-1)", considering 4x - (-1)" when n is even or o Find solutions for your homeworkSearchbusinessoperations managementoperations management questions and answerswhich of the following agreements are enforceable without a writing under the statute of frauds? group of answer choices two of the above would not need a writing. ibrahim agrees to work for johnson for two years. tom agrees to sell a small sliver of real estate to patricia for $450. sarah and joan agree to change the purchase price of a bicycle from $600 toQuestion: Which Of The Following Agreements Are Enforceable Without A Writing Under The Statute Of Frauds? Group Of Answer Choices Two Of The Above Would Not Need A Writing. Ibrahim Agrees To Work For Johnson For Two Years. Tom Agrees To Sell A Small Sliver Of Real Estate To Patricia For $450. Sarah And Joan Agree To Change The Purchase Price Of A Bicycle From $600 ToWhich of the following agreements are enforceable without a writing under the statute of frauds?Group of answer choicesTwo of the above would not need a writing.Ibrahim agrees to work for Johnson for two years.Tom agrees to sell a small sliver of real estate to Patricia for $450.Sarah and Joan agree to change the purchase price of a bicycle from $600 to $480.Victoria promises to pay Wanda's Window Washing to clean Charlyn's windows. In a planned economy, government determines the prices for goods and services, andGroup of answer choicesa. firms determine what goods to produce to maximize profits.b. allows consumers to influence prices based on demand behavior.c. what goods will be produced.