It should be noted that When assets are pooled into financial instruments such as Collateralized Mortgage Obligations (CMOs) to better facilitate selling them to the general public the process is known as:
SecuritizationSecuritization helps in a process which involves the pooling of asset in order to make their selling to be faster and make the public to be aware of it.
Therefore, securitization is When assets are pooled into financial instruments such as Collateralized Mortgage Obligations.
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The process of packing 316 ounce bottles of Hershey chocolate syrup in super size packages like those sold at Sam’s and Costco is an example of what type of packaging… Is it adaptive packaging allocating sorting out accumulating or accruing
The chocolate syrup in super size packages is an example of accumulating type of packaging
Basically, packaging refers to the process of boxing or wrapping a product is offered for sale.
Accumulating packaging is the type of packaging described in the question.
Majority of accumulating package in factory are done by automated machines.
In conclusion, the chocolate syrup in super size packages is an example of accumulating type of packaging
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A decision-maker faces the following decision under conditions of uncertainty. This decision-maker has $1 million in assets. Most of those assets, $750,000, are the individual’s equity in his house. The remaining $250,000 are absolutely secure. Unhappily, there is a risk that the individual’s house will burn down in a fire, which would be a total loss of the $750,000. The individual can insure his house against the loss from this fire. The premium for the insurance is $40,000, and it will insure the individual completely; that is, if the individual chooses to purchase this insurance policy, his assets will be $960,000, whether or not there is a fire. (There is no mortgage on the house, so $750,000 is the full amount paid by the insurance company.) The probability of a fire is 0.05.
Required:
a. What is the expected net earnings, the premium less the expected amount paid out to the client, to the insurance company from this policy?
b. If the individual in question were risk neutral, would he buy this insurance policy?
c. If the individual in question is an expected utility maximizer, with the utility function u(a) = where a is the individuala's total assets, would this individual buy the insurance?
Answer:
The correct Answer Is C,
Explanation:
I got It Right :)
A- The net earnings of the individual in question will be $710000 after the individual's claim for loss by fire is settled by the insurance company. B- Yes, he would buy the insurance if he were risk neutral.
C- Yes, the individual will buy the insurance policy if he were a expected utility maximizer as he would want to claim complete settlement of this amount to be claimed in case of fire loss.
The expected net earnings from the insurance after deducting the amount from the premium paid and total claim endorsed by the insurance company will be $710000 which can be shown as below
[tex]\rm Net\ earnings= claim\ received - premium\ of\ policy[/tex]
[tex]\rm Net\ earnings= 750000-40000[/tex]
We get,
[tex]\rm Net\ earnings= 710000[/tex]
If the individual were risk neutral he would like to take the insurance as the risk of fire in the example given above is 0.5 which is greater than zero and this ultimately implies that risk cannot be taken.In the case if the individual is expected utility maximizer he would take the insurance as it would not only give him the claims from losses due to fire but also help him secure his house against beta of fire.
Hence, the correct answers will be A- $710000; B- Yes.; C- Yes. and imply that taking insurance will be a wise decision by the individual.
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Rather than creating a new product, Chinese manufacturers have been notably successful at adopting a different strategy. They have been able to make and offer a competing product so rapidly that the majority of adopters have a choice when purchasing the product for the first time. This is referred to as a
The method that was adopted by the Chinese manufacturers who instead of creating a new product, adopted a different strategy is: Lean manufacturing initiative.
Lean manufacturing initiative is a form of manufacturing where the producer identifies non-value adding activities and initiates measures to systematically eliminate these.
The process is gradual. Most manufacturing organizations adopt this process.
This is the same with the Chinese industries who instead of immediately creating a new product, adopt the strategy of introducing competing products.
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A movie theater can increase its profits through price discrimination by charging a higher price to adults and a lower price to children if it A. only shows G-rated movies. B. has no monopoly pricing power. C. cannot easily distinguish between the two groups of customers. D. can prevent children from buying the lower-priced tickets and selling them to adults.
The major way through which a movie theatre can increase its profits through price discrimination is by charging more to the adults and a lower price to children if it:
D. Can prevent children from buying the lower-priced tickets and selling them to adults.Price discriminationWe should note that a G rated movie is one which is suitable for people of all ages and this cannot be used to create a price discrimination as this essentially means that only a group of people can view and there is a different price for the ticket.
How movie theatres apply price discriminationWith this in mind, we can see that if the movie theatre charges a lower price for children, then if it shows only G rated movies, if it can prevent children from buying the lower priced tickets, then they would increase their profits.
Therefore, the correct answer is option D
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Which of the following statements about car insurance is true?
Answer:
Were Are The Statements
Explanation:
No Statements
As a multinational corporation, Starbucks is able to
A establish coffee prices for all companies
B lower product standards
C sell coffee only in the United States
D sell coffee to other parts of the world
As a multinational corporation, Starbucks can D. sell coffee to other parts of the world.
Characteristics of a multinational corporation: It is registered and has business operations in more than one country.For example, Starbucks has its headquarters in the U.S.It can operate wholly or partially owned subsidiaries in other countries.Sell its franchise to other companies using its brand name.
Starbucks may not establish coffee prices for all companies or lower product standards, or sell coffee only in the United States.
Thus, Starbucks can sell coffee to other parts of the world.
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Answer: d
Explanation:
Help help hep pelsss straightforward answer ASAP I’ll give points I need to pass class
Answer:
C. 1
Explanation:
C. 1
How is Adam Smith both praiseworthy and suspicious of businessmen's ability to serve the public good
Answer: Smith does not exactly praise the abilities of businessmen to foster the public good; he just thinks that, given the ability to make their own decisions, these men will make rational ones that make economic sense.
Explanation: Yes
The hedge ratio of a call option is
A) A positive constant
B) Negative and larger than -1
C) Positive and larger than 1
D) Positive and smaller than 1
Answer:
A positive constant
Explanation:
the hedge ratio cimparez the amount of a position that is hedged to the entire position
Help help business please pelsss
Answer:
B. Negative
Explanation:
When all other things remain constant, there is an inverse relationship, or negative correlation, between price and the demand for goods and services.
Hope this helps!
Mean for in grouped data
Answer:
To calculate the mean of grouped data, the first step is to determine the midpoint of each interval or class. These midpoints must then be multiplied by the frequencies of the corresponding classes. The sum of the products divided by the total number of values will be the value of the mean.
which situation would normally involve long-term financing?
A large St. Louis feed mill, Robert Orwig Processing, prepares its 6-month aggregate plan by forecasting demand for 50-pound bags of cattle feed as follows: January, 1,000 bags; February, 1,200; March, 1,250; April, 1,450; May, 1,400; and June, 1,400. The feed mill plans to begin the new year with no inventory left over from the previous year, and backorders are not permit ted. It projects that capacity (during regular hours) for producing bags of feed will remain constant at 800 until the end of April, and then increase to 1,100 bags per month when a planned expansion is completed on May 1. Overtime capacity is set at 300 bags per month until the expansion, at which time it will increase to 400 bags per month. A friendly competitor in Sioux City, Iowa, is also available as a backup source to meet demand—but can provide only 500 bags total during the 6-month period. Develop a 6-month production plan for the feed mill using the transportation method
Regular-time cost per bag (until April 30) $12.00
Regular-time cost per bag (after May 1) $11.00
Overtime cost per bag (during entire period) $16.00
Cost of outside purchase per bag $18.50
Carrying cost per bag per month $ 1.00
From the production plan, the budget for January is $12800, February, $16250, March $17175, April $20875, May $16900, and June $16900.
Production planning simply means the act of designing a guide for the production of a particular good or service.
It should be noted that production planning is important to ensure that all necessary preparation is completed before the start of a production cycle.
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7. The Moroccan monetary authority is using a heavily-managed float to keep the dirham at U.S. $0.12 per dirham. Under current foreign exchange market conditions, nonofficial supply and demand would clear at U.S. $0.15 per dirham.
a. Using official intervention, what does the official Moroccan monetary authority have to do to keep the exchange rate at U.S. $0.12 per dirham?
b. If the monetary authority believes that this is a temporary disequilibrium, what does the authority expect to happen soon?
c. If private investors and speculators believe that this is a fundamental disequilibrium, what actions are they likely to take?
Based on the information given, the thing that should be done to keep the exchange rate at $0.12 per dirham is to sell foreign currencies to get more dirham.
It should be noted that since the non-official supply and demand of dirham is pegged at $0.15/ Dirham and the actual rate is $0.12/dirham, it implies that the Dirham is devaluated.
The authority will believe that due to devaluation, net export will rise and this will increase the income of the country.
Lastly, the private investors and speculators will not invest because the currency has lost its value compared to the dollars.
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Jack is a 74-year-old, single taxpayer whose income consists of $10,000 in wages and $31,000 in social security benefits. The maximum amount he can contribute to a Roth IRA for 2019 is: A) $0 B) $6,000 C) $7,000 D) $10,000
Based on his age and income, the maximum that Jack is able to contribute to a Roth IRA in 2019 is C. 7,000.
In the year 2019, tax laws were such that:
$6,000 was the maximum to be contributed to Roth IRA. $1,000 could be contributed in excess by those above the age of 50.As Jack is above the age of 50, he can contribute an extra $1,000 over the limit which puts him at:
= 6,000 + 1,000
= $7,000
In conclusion, Jack can contribute a maximum of $7,000.
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Ambinu Flower Company provides flowers and other nursery products for decorative purposes in medium to large sized restaurants and businesses. The company has been investigating the purchase of a new specially equipped van for deliveries. The van has a value of $133,750 with a six-year life. The expected additional cash inflows are $52,500 per year. What is the payback period for this investment
The payback period for this investment is 2.55 years.
The payback period is a capital budgeting method. It is used to determine how long it would take to recover the amount of money invested in an project from the cumulative cash flows.
An advantage of the payback period method is that it is easy to calculate. A drawback is that it ignores the time value of money.
Payback period = amount invested in the van / cash flows
$133,750 / $52,500 = 2.55 years
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If you wish to enter the field of soil and
forest conservation, what kind of
educational goal should you attain?
A. High school diploma
B. 2 year associate degree
C. 4 year college degree
D. Doctorate degree
4 year college degree is the minimum educational goal to attain if one wish to enter the field of soil and forest conservation.
The 4 year college degree is tantamount to the Bachelor degree achieved from University, college etc.
Usually, the position of forestry and related job requires the minimum of Bachelor degree from related course in the field of soil and forest conservation.
Hence, the 4 year college degree is the minimum educational goal to attain if one wish to enter the field of soil and forest conservation.
Therefore, the Option C is correct.
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What are the issues of integrity, ethics and law posed in the case study? What options does the woman have, and what should she do and why?
The integrity, ethics, and law issues raised in the case study are illegal and unethical conduct.
The woman must reject the economic proposal made by the company and maintain her complaint so that the executive is judged for what she did because she would avoid future harm to other employees.
What is ethics?
Ethics is a term that refers to moral philosophy. This focuses on the study of human behavior based on right and wrong according to duty. Contemporary ethics is usually divided into three branches which are:
Metaethics studies the origin, nature, and meaning of ethical concepts. Normative ethics seeks norms or standards to regulate human conduct. Applied ethics examines specific ethical controversies.According to the above, it can be inferred that the situation presented is an example of an unethical and illegal act because the company and the executive want to bribe the employee to prevent the executive from being removed from his position and the company from being judged for endorsing that conduct of the executive.
Note: The question is incomplete because the information is missing. Here is the complete information:
Case study 4
A woman is sexually harassed by a top-level senior executive in a large company. She sues the company, and during settlement discussions she is offered an extremely large monetary settlement. In the agreement, the woman is required to confirm that the executive did nothing wrong, and after the agreement is signed the woman is prohibited from discussing anything about the incident publicly. Before the date scheduled to sign the settlement agreement, the woman's lawyer mentions that she has heard the executive has done this before, and the settlement amount is very large because the company probably had a legal obligation to dismiss the executive previously. The company however wants to keep the executive because he is a big money maker for the company.
What are the issues of integrity, ethics and law posed in the case study? What options does the woman have, and what should she do and why?
Lecturer Guidelines
Some of the issues raised by this case study include initial issues of unethical and unlawful conduct, by the executive and the company; whether the company should allow the executive to continue working because of the revenue he generates, in view of his propensity to harm co-workers, and whether this action is ethical or reflects integrity; whether the company should require the woman to state that the executive did nothing wrong as part of the settlement agreement; whether the woman should agree to this settlement in view of the harm future employees are being exposed to; and whether the woman is prioritising justice for herself over harm to future employees in an acceptable way.
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HELP PLS
Which of the following is a explain a job responsibility for an engineer in a manufacturing plant.
A: Creating product designs
B: inspecting products
C: repairing machinery
D: supervising mechanics
Answer:
The answer is AExplanation:
I know my answer is very late but imp leaving this here for whoever needs it. Engineers make the actual machinery designs and test them. Therefore the answer is A. If my answer is incorrect I am sorry.
Master’s Cleaners’ average variable costs consist of $.70 of direct labor, $.30 of direct
materials, and $.50 of other variable inputs. If it has fixed costs of $1,000, what level of output
is required at a price of $2 to generate $500 in profits?
a. 1,000
b. 1,500
c. 2,000
d. 2,500
e. 3,000
StylesQuestion 12 (Essay Worth 4 points)
(02.04 MC)
Which two investment options would be best if you are 45 years old, just starting to save, and want to retire when you are 65? Consider the kind of investment,
of return, level of risk, and other factors
Answer:
forex
Explanation:
Give detailed accounts of the following financial crises:
The Japanese Banking Crisis of the 1990s
The Asian Crisis of the mid 1990s
The current global financial crisis.
You should include the causes of the crises, providing examples where necessary and citations of any relevant papers.
Japanese Banking Crisis 1990s
The banking and financial crises that happened during the 1990s in Japan was caused the collapse of the fabled economic bubble and the asset prices in the 1980s. The crises caused a prolonged recession in the country.However, the government used the various public policy to revive the financial industry and series of bad loans problem in the country.Asian Crisis 1990s
The Asian financial crisis was a global crisis which destabilized its Asian economy at the end of the 1990s. The main causes of the Asian crisis is the difficultly in borrowing of dollars to subsidize their domestic industries.Other causes that contributed to the crisis include collapse of the currency exchange rate.Read more about Banking Crisis
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Ann got a 30 year Fully Amortizing FRM for $1,000,000 at an annual interest rate of 7% compounded monthly, with monthly payments. After 5 years of payments, Ann can refinance the balance into a 25 year Fully Amortizing FRM at an annual interest rate of 6% compounded monthly, with monthly payments. Refinancing will cost Ann 1 point and $1, 500 in closing costs.If Ann refinances into this loan and makes payments for 25 years, what will be her annualized IRR from refinancing?
Based on the information given what will be her annualized IRR from refinancing is 64.799%.
First step is to calculate the PMT
PMT=PV× rate/[1-(1+rate)^time
PMT=$1,000,000×0.07/12÷[1-(1+0.07/12)^30×12
PMT=$1,000,000×0.07/12÷[1-(1+0.07/12)^360
PMT=$1,000,000×0.005833333÷[1-(1+0.005833333)^360
PMT=$5,833.333÷[1-(1.005833333)^360
PMT=$6,653.02
Second step is to calculate the present value (PV) after 5 years
PV=PMT×[1-(1+rate)^time/rate
PV=$6,653.02×1-(1+0.07/12)^25×12÷0.07/12
PV=$6,653.02×1-(1+0.07/12)^300÷0.07/12
PV=$6,653.02×1-(1+0.005833333)^300÷0.005833333
PV=$6,653.02×1-(1.005833333)^300÷0.005833333
PV=$941,315.20
Third step is to compute PMT for refinancing when rate is 6%
PMT=PV× rate/[1-(+rate)^time
PMT=$941,315.20×0.06/12÷[1-(1+0.06/12)^360
PMT=$941,315.20×0.005÷[1-(1+0.005)^360
PMT=$4,706.576÷[1-(1.005)^360
PMT=$6,063.72
Third step is to calculate the monthly savings
Monthly savings=$6,653.02-$6,063.72
Monthly savings=$589.30
Fourth step is to calculate the Cost of refinancing
Cost of refinancing=1%×$941,315.20+$1,500
Cost of refinancing=$9,413.152+$1,500
Cost of refinancing=$10,913.152
Fifth step is to calculate the IRR
PMT savings=Cost of refinancing ×IRR÷[1-(1+IRR)^time
$589.30=$10,913.152×IRR÷[1(1+IRR)^300
Monthly IRR=5.3999%
Annualized IRR=5.3999%×12 months
Annualized IRR=64.799%
Inconclusion what will be her annualized IRR from refinancing is 64.799%.
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The following information relates to last year's operations at the Legumes Division of Gervani Corporation: Minimum required rate of return 6% Return on investment (ROI) 6.8% Sales $ 870,000 Turnover (on operating assets) 2 times What was the Legume Division's net operating income last year
Based on the information given, Legume Division's net operating income last year will be $29580.
Firstly,we will calculate the turnover which will be:
= Sales / Operating costs
= $870000 / 2
= $435000
The return on investment will be:
= Net operating income / Operating assets
Therefore, the net operating income will be:
= $435000 × 6.8%
= $29580
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The Legume Division's net operating income last year was $29,580.
What is the net operating income?The net operating income is the income after deducting the cost of goods sold and operating expenses from sales revenue.
Data and Calculations:Minimum required rate of return = 6%
Return on investment (ROI) = 6.8%
Sales revenue = $870,000
Turnover on operating assets = 2 times
Operating assets = $435,000 ($870,000/2)
Net operating income = ROI x Operating Assets
= $29,580 ($6.8% of $435,000)
Thus, the Legume Division's net operating income last year was $29,580.
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Holly's salary is $80,000 per year. She contributes 10% of her salary to her 401(k) plan. Her employer contributes 5% of her salary to a profit share plan. She also contributes $2,500 per year to an IRA. Holly's savings ratio is
Based on the amount that Holly contributes per year, her savings ratio can be said to be 18.1%.
Savings RatioPercentage of annual salary that is contributed to retirement funds. Includes savings made by employer.Holly's savings are:
= (10% + 5%) of salary + Contribution to IRA
= (15% X 80,000) + 2,500
= $14,500
Savings ratio is:
= Savings / Annual salary
= 14,500 / 80,000
= 18.1%
In conclusion, savings ratio is 18.1%.
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4-1) Consider any organization you are aware of from work, study, or the media. How do they manage people? Do people in those organizations feel important?
4-2) What is your personal experience of performance appraisal and/or performance related pay? Consider the arguments made in this course, which best fit your experience? Ask two of others for their experience and briefly describe the appraisal system you want.
you can give your own opinion in brief
There are different organizations with different ways of management of resources and personnel. The answers to the questions is below;
In the organization that I had worked for, I can say they have a good management. They are very direct in their management, they make you understand your duties and they make sure all follow the process outline. There are often consequences if one fails to perform his or her duties but their management was great and it lead to the growth of the organization.
People in those organizations feel important because the organization value them, value their input and personal wellbeing as well as their growth.
I worked in the accounting/ sales management unit for some months and I can say it was a good experience for me as I got to known more about using good software that makes it easy to work. I did a get job from the onset of my work. The Managing director was happy and had to increase my salary in the first month.
I can say my experience was more of educative as I learnt a whole lot of things. The Experience of the others was a little different from mine but they both believe that they did grow intellectually and morally.
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On May 3, what is the balance of the Equipment Office account? A. Debit $5,090 C. Debut $4,400 B. Debit $690 D. Credit $5.090
Based on the balance on the account and the amount purchased, the balance on the Equipment office account was A. Debit $5,090.
The opening balance for the Equipment office account was $4,400 on May 1.
The store then purchased a calculator for the office on May 1 for $690. This will increase the Equipment office account by the same amount.
The balance would therefore be:
= 4,400 + 690
= $5,090
This balance would be a debit as this is an asset.
In conclusion, option A is correct.
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Please give a complete answer to all questions, citing the legal principle to support your answer.
I. John owns a clothing store. He sees Jack put several items of clothing into his bulky jacket and then walk past all cash registers on his way out the door without paying for the clothes. He has his security people restrain Jack and put him in a locked room while he calls the police. The police arrive in five minutes and place Jack under arrest for shoplifting. Jack sues John civilly for the tort of unlawful imprisonment. Will Jack win or lose this lawsuit?
2. Sarah, Lisa and Adriana are accountants and decide to form the limited liability partnership of SLA Accountants, LLP. They register the partnership with the state. Adriana then conducts an audit of the financial statements of DEF, Inc. and her audit team includes Anna, an audit manager who is under the supervision of Adriana during the course of the audit. Anna makes a major mistake in checking the assets of DEF with the result that the assets listed on the financial statements are overvalued and the liabilities are undervalued. DEF is a publicly traded stock and when the market finds out about this mistake, the value of the shares goes from $50/share to $5/share. The shareholders sue Sarah, Lisa and Adriana for negligence. Sarah and Lisa did not participate in this audit. Adriana states that her personal assets cannot be reached in this lawsuit. Is Adriana right or wrong?
3. Sam is a member of the U.S. Army’s Special Forces. He owns a Ford GT, the most expensive sports car made by Ford. He has received orders to deploy to the Middle East for a secret assignment that he realizes will be highly dangerous. He has a favorite nephew, Andrew, and he brings the car and the key fob over to Andrew’s house before he leaves. He tells Andrew that if he does not come back, the car is his. He does come back but when he comes over to see Andrew and asks for the car back, Andrew refuses, claiming this is a completed inter vivos gift and as such, he does not have to give it back. Is Andrew right or wrong?
1. In the criminal justice system, John can temporarily put Jack in custody pending the arrival of the police. Jack was not detained for a period longer than five minutes and not for a civil wrong.
Thus, in this lawsuit for the tort of unlawful imprisonment, Jack will lose because he committed a crime. He cannot apply a civil law to a criminal case.
2. Adriana is correct that her personal assets cannot be reached in this lawsuit brought by the shareholders of DEF, Inc. because SLA Accountants, LLP is a limited liability partnership and not just an ordinary partnership.
A limited liability partnership, like a limited liability company, offers members limited liability. However, the shareholders of DEF, Inc. may decide to sue Adriana personally.
3. Andrew is wrong because the car handed over by Sam was not a completed inter-vivos gift. The transfer was not absolute but conditional upon Sam not returning from the Middle East.
As a conditional transfer of gift, the vesting of the ownership interest created by the transfer depends on the fulfillment of a condition.
Thus, since the transfer condition did not materialize, Andrew should return the car to Sam in good faith.
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The T-Shirt Factory purchased 12 futures contracts on cotton at a quoted price of 55.50 as a hedge against its inventory needs. At the time it actually needed the cotton, the spot price was 56.10. Cotton futures are based on 50,000 pounds and quoted in cents per pound. How much did the Shirt Factory save by hedging cotton?
A. $1,280
B. $560
C. $2,400
D. $3,600
Answer:
D
Explanation: ……….
is the value of all goods in an economy using current prices during the year that they were produced
Nominal gross domestic production is the value of all goods in an economy using current prices during the year that they were produced.
What is nominal gross domestic production?This is the value of all goods and services an economy produces, which is done evaluating the GDP at current market prices.
Here, there is no adjustment for inflation in nominal gross domestic production.
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