Back when interest rates were high, I had just one account. I had a money-market checking account that offered good interest rates and unlimited check writing. But those days are long gone.
I want as high an interest rate as I can get for my savings. In order to get those rates, I am using a money-market savings account. All such accounts I’ve seen restrict the number of transactions I can make in a month. I need to be able to pay bills, no matter how many of them there are — and I never ever want to pay fees for excess transactions!
So I have a separate checking account. It pays less than half the interest rate of my savings account, but I can make as many transactions as I want. The bank offers a bill pay application that I use for most payments, and I can write as many checks as I want to. I can transfer money between the accounts quickly.
Billboards are commonly seen on the sides of freeways, on ______________, and on the benches throughout cities. Which answer completes the blank in the sentence?
Question 15 options:
buses
emails
social media
monuments
Answer:
buses is the right answer.
how will foreign direct investment benefit the south African economy
Answer: It a form of generating revenue for the country.
Explanation: Investments that the country receives are used to improve infrastructure, improve the development of the country and invest in small- or medium-sized businesses. This is in turn improves the South African economy because the small- and medium-sized businesses operating will be contributing back the South African government (in the form of tax) and that ultimately benefits the economy.
Which is an example of an ethical decision?
Answer:
customer service representative taking responsibility for failing to follow through with a service action
You plan to retire in 19 years. At the point of retirement, you want to be able to withdraw 32,877 at the end of each year forever. Assume that you earn a 7.29% rate of return prior to retirement and an 5.02% rate of return after retirement. If you do not want to make any further contributions to your retirement fund, how much do you need today? Round answer to the nearest dollar.
Since no any further contributions will be made to the retirement fund, the amount you need today is $172,014.
Calculation of Present Value and Present Value of a PerpetuityThe first step is to calculate the present value (PV) of the contribution at the point of retirement in 19 years using the formula for calculating the present value (PV) of perpetuity as follows:
PV in 19 years = CF / R ............................................. (1)
Where;
PV in 19 years = Present value (PV) of the contribution at the point of retirement in 19 years = ?
CF = Cash flow or yearly expected withdrawal = $32,877
R = Rate of return after retirement = 5.02%, or 0.0502
Substituting the values into equation (1), we have:
PV in 19 years = $32,877 / 0.0502 = $654,920.3187251
The amount you need today can be calculated using the present value formula as follows:
PV = FV / (1 + r)^n ……………………………………………. (2)
Where;
PV = Present value or the amount you need today = ?
FV = Future value or PV in 19 years = $654,920.3187251
r = rate of return prior to retirement = 7.29%, or 0.0729
n = number of years = 19
Substituting the values into equation (2), we have:
PV = $654,920.3187251 / (1 + 0.0729)^19 = $654,920.3187251 / 3.80737505803714 = $172,013.607470218
Rounding to the nearest dollar, we have:
PV = $172,014
Therefore, the amount you need today is $172,014.
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Part 2. Write True or False on the space provided.
1. Entrepreneurship is the process of creating wealth by devoting necessary effort and time.
2.Innovation extends form modification (radical innovation) up to the totally new (Incremental improvement ) of existing products.
Answer:
I learnt this knowledge last month duribg my OBTE subject. And the answers are given below:-
TRUEFALSEThe given statement "entrepreneurship is indeed the process of creating wealth by devoting necessary effort and time" is True.
The entrepreneurship is to identify opportunities, take risks and initiate and manage a business venture. Entrepreneurs often develop innovative solutions, products, or services to meet market demands and their success is usually tied to their ability to create value and generate profits.
The statement "Innovation extends form modification (radical innovation) up to the totally new (Incremental improvement ) of existing products." is True.
Both types of innovation are crucial for sustaining growth and competitiveness in industries and successful businesses often employ a combination of both approaches to maintain a competitive edge in the market.
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Control limits come from :__________
a) Review Later b) Customer expectations c) Engineering specifications d) Common cause process variation e) Supplier capability
Answer:
e
Explanation:
When a company cannot fully satisfy demand because of a constraint, which of the following describes an action that should NOT be taken?
A. Relaxing the constraint
B. Tightening the constraint
C. Investing to improve the capacity of the bottleneck
D. Reducing the number of defective units produced through the bottleneck
When a company cannot fully satisfy demand because of a constraint, the action that should not be taken is tightening the constraint. That is option B.
How does companies satisfy demands?A successful company is always capable of satisfying their customers demands through the following ways:
By keeping in touch with their customers,Listen to the complaints of their employees,Address the feedback issues from their customers, Evaluation of the identified issues and generation of a possible solution.in order to successfully satisfy the demands the f their customers, they are not to tighten the constraint which would otherwise worsen the situation for them.
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Which type of enterprise has ‘unlimited liability’?
A.
corporation
B.
public-limited company
C.
partnership
D.
private-limited company
Answer:
the answer is C partnership.
On January 1, 2021, Clark Corporation sold an $800,000, 7% bond issued for $767,320. The bonds are to pay interest quarterly and mature in 5 years. The market rate of interest if 8%. What is Clark’s total cost of borrowing?
Clark Corporation's total cost of borrowing $800,000, 7% bonds issued for $767,320 for 5 years is $344,702.87.
What is the total cost of borrowing?The total cost of borrowing includes the bond discounts and the interest expenses.
In this case, the total cost of borrowing is $344,702.87. However, this is only the pre-tax cost.
Data and Calculations:Face value = $800,000
Interest rate = 7%
Bonds proceeds = $767,320
Bonds discounts = $32,680 ($800,000 - $767,320)
Maturity period = 5 years
Market rate = 8%
Interest payment = quarterly
Quarter interest expense = $14,000 ($800,000 x 7% x 1/4)
N (# of periods) = 20 (5 x 4)
I/Y (Interest per year) = 8%
PMT (Periodic Payment) = $14,000 ($800,000 x 7% x 1/4)
FV (Future Value) = $800,000
Results:
PV = $767,297.13
Sum of all periodic payments = $280,000 ($14,000 x 20)
Total Interest = $312,702.87
Total cost of borrowing = $344,702.87 ($32,680 + $312,702.87)
Thus, Clark Corporation's total cost of borrowing $800,000, 7% bonds issued for $767,320 for 5 years is $344,702.87.
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Cheetah Copy purchased a new copy machine. The new machine cost $134,000 including installation. The company estimates the equipment will have a residual value of $33,500. Cheetah Copy also estimates it will use the machine for four years or about 8,000 total hours. Actual use per year was as follows:
Year Hours Used
1 2,800
2 2,000
3 2,000
4 3,200
Prepare a depreciation schedule for four years using the activity-based method.
The depreciation schedule for the machine is:
Year Depreciation expense
1 $35175
2 $25,125
3 $25,125
4 $40,200
What is the depreciation expense?Activity method based on hours worked = (hours worked that year / total hours of the machine) x (Cost of asset - Salvage value)
Year 1 = (2800 / 8000) x (134,000 - 33500) =$35175
Year 2 = (2000 / 8000) x (134,000 - 33500) =$25,125
Year 3 = (2000 / 8000) x (134,000 - 33500) =$25,125
Year 4 = (3200 / 8000) x (134,000 - 33500) = $40,200
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kaizen is the process of
Answer:
Kaizen, or rapid improvement processes, often is considered to be the "building block" of all lean production methods. Kaizen focuses on eliminating waste, improving productivity, and achieving sustained continual improvement in targeted activities and processes of an organization.
Explanation:
why do we have to pay
Answer:
you have to pay because it's a trade instead of for an example trading a coat for a meal you would give pay money to get the object.
Explanation:
Hope this helps:)
John takes his pants to the dry cleaner for alterations. What
type of bailment has been created?
A. Sole benefit for the bailee
O B. No bailment has been created
C. Sole benefit for the bailor
D. Benefit for both bailor and bailee
Answer:
D
Explanation:
bc in return john gets altered pants and the dry cleaner get profit
Select the correct answer.
Henry is a manager at his company. He leaves the decision making for various processes to his employees. Which style of leadership does Henry fol
company?
OA laissez-faire
B. democratic
C. autocratic
OD. aristocratic
Answer: C
Definition: Autocratic leadership is a management style wherein one person controls all the decisions and takes very little inputs from other group members. Autocratic leaders make choices or decisions based on their own beliefs and do not involve others for their suggestion or advice.
Description: Autocratic leadership is a form of management style in which one leader or member of the organisation takes decisions on behalf of the company. This type of leadership style is seen mostly in businesses which are relatively small with fewer employees.
Explanation:
Your company is building a new office site in a different state. You want to show your board members the progress of construction.
What should you use to illustrate the data?
a) Photographs
b) A flowchart
c) An organizational chart
Materials that are used in manufacturing that cannot be cost-effectively traced to finished goods are called:
Answer:
Indirect Materials. used in manufacturing that cannot be cost-effectively traced to finished goods. (//Often direct materials can be classified as indirect when their costs are very low. Indirect Labor.//)
Materials that are used in manufacturing that cannot be cost-effectively traced to finished goods are called Indirect Materials which has been used in manufacturing that cannot be cost-effectively traced to finished goods. Often direct materials can be classified as indirect when their costs are very low or indirect Labor.
What is direct labor cost?Prime cost of a product has been defined as the direct costs of producing a product including direct material costs and direct labor costs. Any other manufacturing overheads, indirect expenses and indirect materials/labor cost are not included in the calculation of prime costs.
Prime Cost = Direct Material Cost + Direct Labor CostThe factory overhead includes all indirect cost which is not directly related to the production. It includes indirect material, indirect labor, manufacturing overhead and the direct material, direct labor are the direct cost that is directly related to the level of production.
Therefore, Materials that are used in manufacturing that cannot be cost-effectively traced to finished goods are called Indirect Materials which has been used in manufacturing that cannot be cost-effectively traced to finished goods. Often direct materials can be classified as indirect when their costs are very low or indirect Labor.
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Entrepreneurs tend to be more _______ than _______ when it comes to evaluating that status and will quickly adapt as necessary to make improvements.
Question 1 options:
sentimental, objective
uncertain, certain
objective, sentimental
relaxed, motivated
Everfi understanding financial aid
Answer:
Their primary goal is To protect consumers by regulating financial products and services.
Without their regulations, many corporations that operate in financial services tend to do several things that would hurt the consumers such as doing inside tradings or not fully disclosing their financial situation by opening a fake corporation offshore.
hopefully im right
Explanation:
Anna-Marie senses that one of her employees feels excluded from the rest of the group. She is surprised by this, as she believes she treats all employees fairly and equally and that the rest of her staff does as well. What action should Anna-Marie take next
The best action that Anna-Marie should take next is A- She should talk to the employee to understand their perspective.
Talking to the employee will reveal if they are out-group members and enable Anna-Marie to understand their views.
Who is an out-group member?An out-group member is an individual in an organization who does not identify themselves as part of the group or unit.
An out-group member does not pursue the same goals as other group members and most times feels excluded from the group.
Answer Options:A- She should talk to the employee to understand their perspective.
B- She should redistribute the company policy describing inclusion expectations.
C- No action is required; she is already acting ethically.
D- She should start documenting her efforts at inclusion.
Thus, the best action that Anna-Marie should take next is A- She should talk to the employee to understand their perspective.
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In what classification of consumer products would you consider dominos pizza? Why?
Domino's pizza is classified as convinence products.
What are continence products?Convinence products are products or items consumer buys frequently or consistent and at instant without much effort applied into it or minimum effort.
Therefore, Domino's pizza is classified as convinence products because it does not require much effort to get them and it is frequently purchased by consumers.
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do you think joe biden is a bad president?
Answer:
yes and no
yes becuse of what he did to become president (eletion froud)
and no becuse he has secured freindships with other countrys in about a year when its takeing other presidents most of there 4 years just to become friends with one country
Explanation:
Answer:
yes completely.
Explanation:
he cant even remember what he did yesterday,,,, and he is going to kill us all
he has good intentions, but bad health.. really bad /mental/ health
`
`
`
Tori
How to make money investing online
Put a little money into an online savings account every week (and invest it elsewhere once you have more)
Enroll in your employer’s retirement plan and start investing 1%
Open an IRA and choose your own investments
Invest with a robo-advisor
Invest a small chunk of money in the stock market
Invest in real estate through a crowdfunding platform
Invest in mutual funds with low minimums (many companies waive the account minimum when you enroll in automatic investing)
Sasha has been a manager for 15 years. Recently, his company expanded operations and now markets globally. Since that time, Sasha has had to deal with significantly more critical issues. Which aspect of complexity is affecting Sasha
The aspect of the complexity that is affecting Sasha, who has been a manager for 15 years in a company that has globally expanded operations is D. dynamism.
What is dynamism?Dynamism is an adaptation characteristic required in an environment that is pursuing vigorous activities and progress like Sasha's company.
We can conclude that Sasha is facing a dynamism issue because of the vigorous nature of the activities and progress her company is facing with the expansion to global operations.
Answer Options:A. ambiguity
B. multiplicity
C. interdependence
D. dynamism
Thus, the aspect of the complexity that is affecting Sasha, who has been a manager for 15 years in a company that has globally expanded operations is D. dynamism.
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Care must be taken involving capital investment decisions, since normally a long-term commitment of funds is involved and operations could be affected for many years. True False
It is a true statement that extreme care need to be exercise while making decision involving capital investment.
What are capital investment?These are investment that entails a long-term commitment of funds for business operations.
These is an investment that allows a company to further its long-term business goals and objectives.
In conclusion, an extreme care is needed while deciding on capital investment because a wrong decision will affect the firm operation in the long run.
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You receive a part time job in which you are paid $10 per hour on weekdays and you receive $12 per hour
on the weekends. Your first week you worked 6 hours on Monday, 7 hours on Friday, and 8 hours on
Saturday. The employer withholds 15% for taxes. What is your gross and net income?
Can someone teach me how to do this pleasee?
Answer:
192.1
Explanation:
From monday and friday you earned 130$ because 6(10)+7(10)=130
Saturday you earned 96$ (12x8)
so adding those values you have 226$
you have to subtract 15% for tax.
So the equation would be
[tex]226 \times .15 = 33.9 \\ 226 - 33.9 = 192.1[/tex]
n terms of total dollars spent, the number one and two advertising media are
The number one and two advertising media in terms of total dollars spent is television along with the direct mail.
What do you mean by advertising?Advertising means any paid, non-personal communication through various media. It helps pay for the production costs of newspapers and magazines.
Television along with direct mail refers to the advertisement that deals in direct response to the company by customers.
Other major direct marketing media includes the telephone, magazines, newspapers, television, and radios.
Therefore, in terms of dollars spent, the number one and two advertising media is television along with direct mail.
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What information do you get from taking inventory?
A: How fast a certain product is selling
B: How much money was earned
C: Demographic data on customers
Four Non-Price Competition Strategies
The four non-price competition strategies involve the use of the following:
Physical and quality improvementsLocation and trade promotionsDifferentiationAdvertising.What is a non-price competition strategy?A non-price competition strategy is a competitive approach that de-emphasizes the use of pricing as a competitive strategy.
Instead of using pricing to differentiate a brand, the organization can improve the physical and quality aspects, engage in consumer advertising, trade promotions, product differentiation, and focus on niche markets.
Thus, physical and quality improvements, location and trade promotions, differentiation, and advertising can become non-price competition strategies.
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Why do you think governments frequently attempt to control apartment rents but not house prices?
if you are looking to tell how much money you made or lost last month, you should consult your
To know how much money you made or lost last month, you should consult your income statement.
What is income statement?An income statement serves as a financial statement that display a company's income and expenditures.
Therefore, this statement will shows whether a company is making profit and how much money you made or lost last month.
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