The price of the bond is € 966.47, the duration is 2.87 years, and the change in the value of the bond if the discount rate rises to 6.10% is -€ 0.89.
To calculate the price and duration of a bond, we can use the following formulas:
Price = C / (1 + r) + C / (1 + r)^2 + C / (1 + r)^3 + FV / (1 + r)^3
Duration = (C / (1 + r) * 1 + C / (1 + r)^2 * 2 + C / (1 + r)^3 * 3 + FV / (1 + r)^3 * 3) / Price
Where C is the coupon payment, r is the discount rate, FV is the face value, and n is the number of years until maturity.
Given the information in the question, we can plug in the values and calculate the price and duration:
C = 1000 * 0.07 = 70
r = 0.06
FV = 1000
n = 3
Price = 70 / (1 + 0.06) + 70 / (1 + 0.06)^2 + 70 / (1 + 0.06)^3 + 1000 / (1 + 0.06)^3 = € 966.47
Duration = (70 / (1 + 0.06) * 1 + 70 / (1 + 0.06)^2 * 2 + 70 / (1 + 0.06)^3 * 3 + 1000 / (1 + 0.06)^3 * 3) / 966.47 = 2.87 years
To calculate the change in the value of the bond if the discount rate rises to 6.10%, we can simply recalculate the price with the new discount rate and find the difference:
r = 0.061
Price = 70 / (1 + 0.061) + 70 / (1 + 0.061)^2 + 70 / (1 + 0.061)^3 + 1000 / (1 + 0.061)^3 = € 965.58
Change in value = 965.58 - 966.47 = -€ 0.89
Therefore, the price of the bond is € 966.47, the duration is 2.87 years, and the change in the value of the bond if the discount rate rises to 6.10% is -€ 0.89.
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What is the fundamental assumption upon which the Law of Supply is based?
A. The higher the demand for a product the less of it will be produced by sellers
B. The demand for a product does not affect its supply
C. The lower the demand for a product the more of it will be produced by sellers
D. The higher the demand for a product the more of it will be produced by sellers
The fundamental assumption upon which the Law of Supply is based is D: "The higher the demand for a product the more of it will be produced by sellers."
This is because as demand for a product increases, the price of the product also increases. This leads to a greater incentive for sellers to produce more of the product in order to maximize profits. Therefore, the Law of Supply assumes that there is a direct relationship between the demand for a product and the quantity of it that is supplied by sellers.
However, the Law of Supply also assumes that other factors such as production costs and technology remain constant. If production costs increase, for example, sellers may not be able to produce as much of the product even if demand increases. Additionally, the Law of Supply assumes that sellers are rational and will respond to changes in demand in a predictable way, which may not always be the case in reality.
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Which of the following is a political bias of the Republican Party
Higher Taxes
Strong Military
Government Healthcare
One of America's two main modern political parties is the Republican Party, sometimes known as the GOP or the "Grand Old Party." In contrast to contemporary liberalism, the Republican of both the United States bases much of its platform on American conservatism.
What are the Republican Party's core ideologies?The G.O.P. is fiercely opposed to individual liberty, capitalism, and congressional (as opposed to presidential) prerogatives. It is anti-collectivist, anti-Communist, and anti-New Deal.
What were the Democratic Republican Party's political philosophies?Ideology. The Democratic-Republican Party decried the Federalists as advocates of monarchy and aristocracy and viewed as a champion of republicanism. A "support to broad ideas of human liberty, social inclusion, and westward development," according to Ralph Brown, characterizes the party.
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Business Communication UGQB 3043
Question A
a) You have just been appointed as the new CEO at your company. Discuss possible barriers of communication that might occur during your acceptance speech with relevant explanation and examples.
b) How to deal with these people in a meeting? Provide TWO (2) suggestions for each type
i. Obstinate
ii. Argumentative
iii. Inarticulate
iv. Silent
v. Inattentive
** Dear tutor, kindly help me to throughly explain on the question given. A short essay would be very helpful**
A) As the new CEO, some potential barriers of communication during your acceptance may be language barriers, physical barriers, psychological barriers, and organizational barriers. B) Suggestions for dealing with each type of person are i. find common ground and use facts. ii. avoid getting defensive and address concerns. iii. ask open-ended questions and be patients. iv. initiate discussion and use nonverbal cues. v. use visual aids and ask for input.
A) As the new CEO, there are several potential barriers of communication that may occur during your acceptance speech. These include:
1. Language barriers: If there are employees in the audience who speak different languages or come from different cultural backgrounds, they may have difficulty understanding your speech.
2. Physical barriers: If the room is too large or there is too much noise, it may be difficult for people to hear or understand your speech.
3. Psychological barriers: If there are employees in the audience who have negative attitudes or are resistant to change, they may not be receptive to your message.
4. Organizational barriers: If there are issues with the company's structure or culture, it may be difficult to communicate effectively with employees.
To overcome these barriers, it is important to be clear and concise in your speech, use simple language, and try to connect with your audience on a personal level. It may also be helpful to provide visual aids or handouts to help employees understand your message.
B) Here are two suggestions for dealing with each type of person in a meeting:
i. Obstinate: 1) Try to find common ground and build rapport with them. 2) Use facts and evidence to support your argument.
ii. Argumentative: 1) Stay calm and avoid getting defensive. 2) Acknowledge their concerns and try to address them.
iii. Inarticulate: 1) Ask them open-ended questions to encourage them to speak. 2) Be patient and give them time to articulate their thoughts.
iv. Silent: 1) Try to engage them in the discussion by asking for their opinion. 2) Use nonverbal cues to encourage them to speak.
v. Inattentive: 1) Use visual aids or handouts to keep their attention. 2) Try to make the meeting more interactive by asking for their input or involving them in activities.
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An insolvent Savings and Loan that was allowed to continue to
operate was referred to as a " _________ "
S&L.
An insolvent Savings and Loan that was allowed to continue to operate was referred to as a "zombie" S&L.
Edward Kane of Boston College popularized the phrase "zombie bank" in reference to the savings and loan crisis in 1987. (S&L). Commercial mortgage losses threatened to bankrupt savings and loans. Policymakers permitted many of them to continue running rather than allowing them to fail.
This term was used to describe institutions that were technically insolvent, but were allowed to continue operating due to regulatory forbearance. These "zombie" S&Ls were often able to continue attracting deposits and making loans, despite their precarious financial situation.
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What did president George Washington do to secure the west
Answer:
Having the text of the Proclamation of 1754 read into the record as evidence.
Hope this helps! :D
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What are the rooms that the white house doesn't have?
Answer:
The White House, as the official residence of the President of the United States, is a large and complex building that contains many rooms and spaces for various purposes. However, there are certain types of rooms that the White House doesn't have, such as:
Bedrooms for all members of the President's family - While the White House does have private family quarters for the President and their family, there are not enough bedrooms to accommodate all family members, such as adult children and their spouses.
Personal bathrooms for every room - While many of the rooms in the White House have adjacent bathrooms, there are not personal bathrooms for every room.
Private kitchens for every family - There is a main kitchen in the White House that serves the First Family, but there are not private kitchens for every family member or guest.
Large indoor swimming pool - The White House has a small indoor pool in the basement, but it does not have a large indoor swimming pool.
Home theater - The White House does not have a dedicated home theater or screening room for watching movies or TV shows.
These are just a few examples, and there may be other types of rooms or facilities that the White House does not have.
Explanation:
Many scientists believe that we are rapidly depleting our natural resources. Assume that there are only two inputs (labour and natural resources) producing two goods (concerts and gasoline) with no improvement in society’s technology over time. Show what would happen to the PPF over time as natural resources are exhausted over time. How would invention and technological improvement modify your answer?
As a result, the production possibilities frontier (PPF) will shift inward, indicating a decrease in the potential output of the economy. In the scenario described, where there are only two inputs (labour and natural resources) producing two goods (concerts and gasoline), the PPF will shift inward as natural resources are exhausted over time.
Many scientists believe that we are rapidly depleting our natural resources. This means that over time, there will be less and less natural resources available to produce goods and services. This means that there will be less of both goods produced, as there are fewer natural resources available to produce them. However, if there were invention and technological improvement, the PPF could shift outward, indicating an increase in potential output. This is because technology can help us to use natural resources more efficiently, and can also help us to find substitutes for natural resources. Overall, the depletion of natural resources will cause the PPF to shift inward over time, but invention and technological improvement can help to mitigate this effect by increasing the efficiency with which we use natural resources and by finding substitutes for natural resources.
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In what ways do economic realities like globalization, competitors and suppliers, the fall of financially stable organizations, increasing oil prices, economic trade agreements, the emergence of new markets, and the rise of China as a major economic player in the world affect the growth and development of nations?
Economic realities like globalization, competitors and suppliers, the fall of financially stable organizations, increasing oil prices, economic trade agreements, the emergence of new markets, and the rise of China as a major economic player in the world all affect the growth and development of nations in various ways.
Here are the impacts of several economic realities on the growth and development of nations:
Globalization has led to increased competition among businesses, which can have both positive and negative effects on the growth and development of nations. Increased competition can lead to more innovation and economic growth, but it can also lead to the loss of jobs and economic instability.The fall of financially stable organizations can have a negative impact on the growth and development of nations, as it can lead to a loss of jobs and a decrease in economic activity.Increasing oil prices can also have a negative impact on the growth and development of nations, as it can lead to an increase in the cost of goods and services, which can lead to a decrease in economic activity.Economic trade agreements can have both positive and negative effects on the growth and development of nations. Trade agreements can lead to increased economic activity and growth, but they can also lead to a loss of jobs and economic instability.The emergence of new markets can have a positive impact on the growth and development of nations, as it can lead to an increase in economic activity and growth.The rise of China as a major economic player in the world can have both positive and negative effects on the growth and development of nations. China's economic growth can lead to increased economic activity and growth for other nations, but it can also lead to increased competition and economic instability.Learn more about globalization at https://brainly.com/question/25499191
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Speeches make less frequent use of repetition than do most forms of written communication
False, Speeches do not make less frequent use of repetition than do most forms of written communication.
Written communications include letters, circulars, manuals, reports, telegrams, office memos, bulletins, and other types of written correspondence. It is a more rigid and formal way of communicating. A properly kept written document creates a permanent record for future use. It is also admissible in court as proof. It is time-consuming, expensive, and inappropriate for urgent or sensitive communication. Effective written communication should be clear, thorough, succinct, accurate, and polite. It is appropriate for standing orders and long-distance communication. It is a valid legal document. It can be sent to numerous people at once.
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European powers were motivated to colonize Asia because of which of the following reasons?
A)desire for more enslaved people
B)competition for territory in Africa
C)desire to contain United States colonialism
D)trade routes were profitable
Answer: A) desire for more enslaved people
Explanation:
As the population of Asia was more the total size of workers increased, the workers were also poor and would also agree in less salary so yeah cheap labour was also a reason.
European powers were motivated to colonize Asia primarily for economic reasons, especially the desire to control and profit from the lucrative trade routes between Europe and Asia. Therefore, option D is correct.
Why European powers were motivated to colonize Asia?There were several motivations for European powers to colonize Asia, including:
Economic reasons: European powers were seeking new markets and sources of raw materials to fuel their industrial revolutions. Asia was seen as a rich source of spices, tea, silk, and other valuable commodities that were in high demand in Europe.
Strategic reasons: European powers saw the colonization of Asia as a way to secure key strategic positions in the region, which would give them an advantage in future conflicts.
Religious reasons: European powers were also motivated by a desire to spread Christianity to Asia. Many European missionaries saw the colonization of Asia as an opportunity to bring the gospel to non-Christian peoples.
Political reasons: European powers were competing with each other for global dominance, and the colonization of Asia was seen as a way to expand their empires and increase their power and prestige.
Overall, the colonization of Asia by European powers was driven by a complex combination of economic, strategic, religious, and political motivations.
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What is the potential difference between points d and a in (figure 1)? express your answer to two significant figures and include the appropriate units. Activate to select the appropriates template from the following choices. Operate up and down arrow for selection and press enter to choose the input value typeactivate to select the appropriates symbol from the following choices. Operate up and down arrow for selection and press enter to choose the input value type vda
What is the potential difference between points d and a in (figure 1)? express your answer to two significant figures and include the appropriate units. Activate to select the appropriate template from the following choices. Operate up and down arrow for selection and press enter to choose the input value type activate to select the appropriates symbol from the following choices. Operate up.
Potential difference between points d and a in figure 1 43.34 Volts, We found it out in the following manner.
Applying KCL in upper loop, -34 i1 + 45 - (47 +1) i3 = 0
here I3 = i1 + i2
-34i + 45 - 48 i(i1+i2) = 0
-82i 1-48i2 = - 45
82 i1 + 48 i2 = 45 ----------------------1
Applying KVL in lower loop, 1i2 - 85 + (47 +1) i3 =-45 + 18 i2 = 0
i2 - 85 + 48(i1+i20 - 45 + 18 i2 = 0
48 i1 + 67 i2 = 130 ----------------2
solving 1 and 2
i1 = -1.011 A and o2 = 2.66 Amps
Terminal Voltage between d and a is
-34 i1 = -34 * -1.011 = 34.37 Volts
2. TV at 85 V = 85 - (2.66* 1)
Vat 85 = 82.33 Volts
3. at 45 V is 45 - i3 r
V45 = 45-(i1+i2)
= 43.34 Volts
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Palestinian Government faces a serious problem with the declining assistant amount donners pay to support the budget. Besides Palestinian Economy in Decline and Unemployment Rising to Alarming Levels The minister of finance hired you as senior assistant to help government in solving this problem by trying to reduce the public sector employees number in order to decrease the monthly running cost the budget has to pay Using your research skills, how will you plan to work on a study in order to offer the Minister recommendations to overcome the above problem? Define your research objectives.
As a senior assistant, my primary objective is to conduct thorough research on the declining amount that donors pay to support the budget and the rising unemployment levels in Palestine and make recommendations on ways to reduce the monthly running cost of the budget. My research objectives will be to: 1. understand the current state of the economy, 2. identify the main reasons for the declining assistant amount, 3. analyze the impact of reducing the number of public sector employees on the economy, and develop recommendations for the Minister of Finance.
The Palestinian Government is facing a serious problem with the declining assistant amount of donor money available to support the budget. In addition, Palestinian economy is in decline and unemployment is rising to alarming levels. As the senior assistant hired by the Minister of Finance, I would plan to conduct a thorough research study of the given situation in order to offer the Minister recommendations on how to reduce the monthly running cost of the budget. This research will help me to provide the Minister of Finance with recommendations on how to reduce the number of public sector employees and decrease the monthly running cost of the budget.
Research objectives:1. Understand the current state of the Palestinian economy: This objective is crucial as it will help me to identify the key factors that are contributing to the declining assistant amount and rising unemployment levels.
2. Identify the main reasons for the declining assistant amount: This objective is crucial as it will help me to understand why the assistant amount is declining and what can be done to address this issue.
3. Analyze the impact of reducing the number of public sector employees on the Palestinian economy: This objective is crucial as it will help me to understand the potential consequences of reducing the number of public sector employees on the Palestinian economy.
4. Develop recommendations for the Minister of Finance: This objective is crucial as it will help me to provide the Minister of Finance with recommendations on how to reduce the number of public sector employees and decrease the monthly running cost of the budget.
By achieving these research objectives, I will be able to provide the Minister of Finance with the necessary information and recommendations to overcome the problem of declining assistant amount and rising unemployment levels in Palestine.
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What characterizes the ""emerging sense of constraint"" that working-class children develop?
The working class children accepts the authority of the persons under whom they remain.
The socioeconomic phrase "working class" is used to refer to people who work in positions with low income, little skill requirement, or physical labour. Working-class jobs typically have lower educational requirements. Those who are unemployed or receiving social assistance frequently belong to the working class. Blue collar employees are essential to every economy, despite the stereotype that "working class" people are only capable of hard labour and have little education. Adults without a college degree are typically considered to be "working class" by American economists. A large portion of the working class is also considered middle class.
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Conservation of energy can be neither ____ nor destroyed, but can change ___?
Which items are among the forces that contribute to a globalization of culture?
Answer:
1. the proliferation of international organizations, such as the United Nations
2. the emergence of a class of "global citizens"
Explanation:
Which is one source that scientists use to reconstruct past climate conditions?
One source that scientists use to reconstruct past climate is ice cores. Ice cores are long cylinders of ice that are drilled from ice sheets or glaciers in polar regions, and they contain layers of snow and ice that have accumulated over hundreds of thousands of years.
How do scientists use ice coresBy analyzing the chemical composition of the ice and the air bubbles trapped within it, scientists can reconstruct past climate conditions, such as temperature, atmospheric gases (including greenhouse gases), and volcanic activity. Ice cores can also provide information about the history of the Earth's magnetic field, solar radiation, and cosmic ray activity.
Ice cores are an important tool for studying past climate change, as they allow scientists to look back much further in time than other sources of climate data, such as tree rings or sediment cores. They provide a high-resolution record of past climate conditions that can be used to validate climate models and improve our understanding of how the Earth's climate system works.
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Provide examples of two industries, one where you think collusion would be more likely, and one in which you think collusion would be less likely. In a short essay, please explain why you think collusion is more likely in the first than in the second, with reference to market features that influence the likelihood of collusion.
Collusion occurs when firms in a market coordinate their pricing and output decisions to increase profits. It is more likely to happen in industries with few firms, barriers to entry, and significant economic profits. On the other hand, collusion is less likely to occur in industries with many firms, low barriers to entry, and small economic profits.
In my opinion, the oil industry is more likely to experience collusion than the clothing industry. This is because the oil industry has a smaller number of firms, which makes it easier for them to coordinate and agree on prices.
Additionally, the product they are selling is homogenous, meaning it is difficult for consumers to distinguish between different brands of oil. This also makes it easier for firms to agree on prices and engage in collusion.
On the other hand, the clothing industry has a larger number of firms, which makes it more difficult for them to coordinate and agree on prices.
Additionally, the product they are selling is not homogenous, meaning that consumers can distinguish between different brands and styles of clothing. This makes it more difficult for firms to engage in collusion, as they would have to take into account the different preferences of consumers.
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Marketing
Given the way people tweet about products and customer service, why do companies still use market research? Why not simply follow tweet volume and content to see if products and service are good? What other ways can companies do market research? What are the most important things companies need know from their research and why?
Why are company websites not good sources of market information?
Using social media platforms are used for marketing research to understand the target market but it does not provide in-depth and complete information. Companies can conduct marketing research through other methods such as customer surveys, focus groups, and analyzing sales data. The most important information needed from marketing research is identification of target market, their behaviors and preference, and response to various marketing strategies. Company websites are not good sources of market information as they are bias and restricted in information.
Marketing research is crucial for companies to understand their target market and make informed business decisions. While social media platforms can provide valuable insights into customer opinions, they do not provide a complete picture. Market research can involve surveys, focus groups, and other methods that provide more detailed and accurate information about customer preferences and behaviors.
In addition to social media, companies can conduct market research through methods such as customer surveys, focus groups, and analyzing sales data. These methods allow companies to gain a deeper understanding of their target market and make informed decisions about product development and marketing strategies.
The most important things companies need to know from their research include who their target market is, what their preferences and behaviors are, and how they respond to different marketing strategies. This information helps companies to develop products and services that meet customer needs, and to create effective marketing campaigns.
Company websites are not good sources of market information because they are biased and only provide information that the company wants to share. Market research should be conducted through unbiased sources to ensure accurate and reliable results.
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1. Governor
2. people
3. Juvenile
Answer:
Most of Georgia's Judges are chosen by the "Governor" of the state, except for the "Juvenile" court, which are chosen by the supreme court judge.
SUBJECT : STRATEGIC MARKETING
1) Suppose you have been appointed to the top marketing post [CMO] of a corporation and the president has asked you to explain market-driven strategy to the board of directors. Explain your position to the board of directors by picking a real life example. Maximum WORD Limit: 500; Marks: 10
A market-driven strategy refers to a marketing strategy that concentrates on fulfilling the needs and wants of customers, instead of only focusing on the business's goals or capabilities. Apple is an example of a company that successfully implements a market-driven strategy.
A market-driven strategy is one that focuses on meeting the needs and wants of customers, rather than solely focusing on the business's goals or capabilities. By understanding what customers value and what they are willing to pay for, a company can create products and services that meet their needs and create a competitive advantage in the market.
An example of a company that successfully implements a market-driven strategy is Apple. Apple's focus on customer needs and desires has led to the creation of products such as the iPod, iPhone, and iPad, all of which have been highly successful and have created a loyal customer base. By constantly innovating and improving their products, Apple is able to stay ahead of the competition and continue to meet the evolving needs of their customers.
As the CMO, my role is to ensure that our company understands the needs and wants of our customers and creates products and services that meet those needs. This involves conducting market research, analyzing customer data, and working closely with other departments, such as product development and sales, to ensure that we are creating value for our customers. By focusing on the needs of our customers, we can create a competitive advantage in the market and drive long-term success for our company.
In summary, a market-driven strategy is one that focuses on meeting the needs and wants of customers in order to create a competitive advantage in the market. By understanding what customers value and what they are willing to pay for, a company can create products and services that meet their needs and drive long-term success. As the CMO, my role is to ensure that our company is focused on the needs of our customers and is creating value for them.
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What is an example of a real-life application in which theFederal Reserve Banking System would use contractionary monetarypolicy over expansionary monetary policy.
An example of a real-life application in which the Federal Reserve Banking System would use contractionary monetary policy over expansionary monetary policy is during a period of high inflation.
Contractionary monetary policy is a type of policy that is used to decrease the money supply and increase interest rates. This is done in an effort to slow down economic growth and control inflation. In contrast, expansionary monetary policy is used to increase the money supply and decrease interest rates in an effort to stimulate economic growth.
During a period of high inflation, the Federal Reserve would use contractionary monetary policy to decrease the money supply and increase interest rates. This would make it more expensive for people and businesses to borrow money, which would decrease spending and slow down economic growth. This would help to bring down the inflation rate and stabilize prices.
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Explain the role that foreign affairs and war play in the domestic policies of one European country from the years, 1815-1900.
How do foreign and military affairs affect the popularity of governments?
What sort of domestic policies do foreign affairs inspire and what are the effects on politics and society?
Foreign affairs such as military conflicts, diplomatic relations and the formation of alliances influenced the decisions of governments in terms of domestic policies.
The role that foreign affairs and war play in the domestic policies of one European country from the years 1815-1900 is significant. During this time period, many European countries were involved in foreign affairs and wars, which had a significant impact on their domestic policies.
One of the main ways that foreign affairs and war affect the popularity of governments is through public opinion. When a country is involved in foreign affairs or wars, the public's opinion of the government can change drastically.
If the public supports the government's actions, the government's popularity will increase. However, if the public does not support the government's actions, the government's popularity will decrease.
Foreign affairs and war can also inspire domestic policies. For example, during times of war, governments may implement policies that restrict civil liberties in order to maintain national security. These policies can have a significant impact on politics and society.
For example, if the government restricts freedom of speech, this can lead to a decrease in political dissent and a decrease in the diversity of opinions in society.
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In
about 100 words, explain how the concepts of power, effects , and
jurisdiction are related to each other ?
The concepts of power, effects, and jurisdiction are closely related because they all deal with the ability of an entity to control and influence events and actions.
Power is the ability to control or influence the behavior of others, while effects are the outcomes or consequences of that power. Jurisdiction, on the other hand, is the legal authority or control over a specific geographic area or group of people. In other words, jurisdiction determines who has the power to make decisions and enforce laws within a certain area, and the effects of those decisions and laws are felt by the people within that jurisdiction. All three concepts are interconnected and play important roles in the functioning of governments, organizations, and societies.
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Sara borrowed $5,500 at the beginning of her freshman year and another $4,500 at the beginning of her junior year. The interest rate (APR) is 6% per year, compounded monthly; Sara's interest accumulates at 0.5% per month. Sara will repay what she owes as an ordinary annuity over 60 months, starting one month after she graduates in the summer term of her fourth full year of college. Click the icon to view the interest and annuity table for discrete compounding when i = 0.5% per month. a. How much money does Sara owe upon graduation if she pays off monthly interest during school? Sara owes $ . (Round to the nearest dollar.) b. How much money does Sara owe if she pays no interest at all during her school years? Sara owes $ (Round to the nearest dollar.)
c. After graduation, what is the amount of the monthly loan repayment in Parts (a) and (b)? Monthly payment with interest repaid each month is $(Round to the nearest cent.) Monthly payment with no interest repaid is $(Round to the nearest cent.) d. How much interest does Sara repay without interest payments during school and with interest payments while in college? The total interest with interest paid while in school is $ (Round to the nearest dollar.) The total interest with no interest paid while in school is $ (Round to the nearest dollar.)
a. Sara owes $12,680 upon graduation if she pays off monthly interest during school. b. Sara owes $12,793 if she pays no interest at all during her school years. c. The monthly loan repayment in Part (a) is $214.19 and the monthly loan repayment in Part (b) is $216.16. d. The total interest with interest paid while in school is $2,851.40 and the total interest with no interest paid while in school is $2,969.60.
a. To calculate how much money Sara owes upon graduation if she pays off monthly interest during school, we can use the formula:
A = P(1 + r)^n,
where A is the amount owed, P is the principal, r is the interest rate, and n is the number of periods.
In this case, P = $5,500 + $4,500 = $10,000, r = 0.5% per month, and n = 48 months (4 years). So:
A = $10,000(1 + 0.005)^48
A = $10,000(1.005)^48
A = $10,000(1.268)
A = $12,680
Therefore, Sara owes $12,680 upon graduation if she pays off monthly interest during school.
b. If Sara pays no interest at all during her school years, then the amount she owes will be the sum of the two loans plus the accumulated interest on both loans. We can use the same formula as before, but with different values for P and n.
For the first loan, P = $5,500, r = 0.5% per month, and n = 60 months (5 years). For the second loan, P = $4,500, r = 0.5% per month, and n = 36 months (3 years). So:
A1 = $5,500(1 + 0.005)^60
A1 = $5,500(1.005)^60
A1 = $5,500(1.348)
A1 = $7,414
A2 = $4,500(1 + 0.005)^36
A2 = $4,500(1.005)^36
A2 = $4,500(1.195)
A2 = $5,379
Therefore, Sara owes $7,414 + $5,379 = $12,793 if she pays no interest at all during her school years.
c. To calculate the amount of the monthly loan repayment in Parts (a) and (b), we can use the formula:
PMT = (PV * i) / (1 - (1 + i)^-n),
where PMT is the monthly payment, PV is the present value of the loan, i is the interest rate, and n is the number of periods.
In Part (a), PV = $12,680, i = 0.5% per month, and n = 60 months. In Part (b), PV = $12,793, i = 0.5% per month, and n = 60 months. So:
PMT1 = ($12,680 * 0.005) / (1 - (1 + 0.005)^-60)
PMT1 = $63.40 / (1 - 0.704)
PMT1 = $63.40 / 0.296
PMT1 = $214.19
PMT2 = ($12,793 * 0.005) / (1 - (1 + 0.005)^-60)
PMT2 = $63.97 / (1 - 0.704)
PMT2 = $63.97 / 0.296
PMT2 = $216.16
Therefore, the monthly loan repayment in Part (a) is $214.19 and the monthly loan repayment in Part (b) is $216.16.
d. To calculate the total interest repaid, we can subtract the original loan amount from the total amount repaid.
In Part (a), the total amount repaid is $214.19 * 60 = $12,851.40, and the original loan amount is $10,000. So the total interest is $12,851.40 - $10,000 = $2,851.40.
In Part (b), the total amount repaid is $216.16 * 60 = $12,969.60, and the original loan amount is $10,000. So the total interest is $12,969.60 - $10,000 = $2,969.60.
Therefore, the total interest with interest paid while in school is $2,851.40 and the total interest with no interest paid while in school is $2,969.60.
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Consider a geometric series of cash flows that begins at time 5 with a cash flow of $5,000. Cash flows in
this series will increase by 7% each period. There are a total of nine cash flows in this series. What is the
future equivalent of this cash flow series at time = 20 if the interest rate is 10% per period?
The value of future equivalent of FV = -759,450.
The future equivalent of this cash flow series at time = 20 can be calculated using the formula for the future value of a growing annuity:
FV = C * [(1 + g)^(n-1) * (1 + r)^n - 1] / (g - r)
where C is the initial cash flow, g is the growth rate, n is the number of periods, and r is the interest rate.
Plugging in the given values, we get:
FV = 5000 * [(1 + 0.07)^(9-1) * (1 + 0.10)^9 - 1] / (0.07 - 0.10)
FV = 5000 * [(1.07)^8 * (1.10)^9 - 1] / (-0.03)
FV = 5000 * [2.3571 * 2.3579 - 1] / (-0.03)
FV = 5000 * [5.5607 - 1] / (-0.03)
FV = 5000 * 4.5607 / (-0.03)
FV = -759,450
Therefore, the future equivalent of this cash flow series at time = 20 is -$759,450.
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A. Court of Appeals
B. State Court
C. Juvenile court
Š
Social Structure and Society
DIRECTIONS: Matching Match each item with the correct statement below.
1. a behavior individuals are expected to perform toward others
2. social unity based on people doing the same type of work
3. a behavior that people expect from others
4. a position that strongly influences aspects of a person's life
5. the pattern of social relationships in a group
6. expected behavior that is associated with a particular status
7. a position in a social structure that is assigned
8. social unity based on specialized functions and statuses
9. a social group that obtains food by using tools to grow plants
10. a social group that raises animals as a primary means of
obtaining food
A. role conflict.
B. role strain.
C. social interaction.
D. mechanical solidarity.
12. Which of the following is included in a status set?
A. some achieved and some ascribed statuses
B. mostly ascribed statuses
C. all of the statuses a person occupies
D. only achieved statuses
A. pastoral society
B. right
C. social structure
D. horticultural society
E. master status
DIRECTIONS: Multiple Choice Indicate the answer choice that best completes the statement or answers
the question.
11. When you discuss Sunday afternoon's football game with your brother, you are engaging in
F. organic solidarity
G. mechanical solidarity
A. an increase in migration
B. the creation of more permanent settlements
C. improved technology
D. movement from cities to rural areas
H. role
I. ascribed status
J. obligation
13. Which of the following is a consequence of the shift from a hunting and gathering society to a
horticulture society?
Answer:1 a 2c 3f 49
Explanation:
Using the supply and demand analysis of the market for reserves, indicate what happens to the federal funds rate, borrowed reserves, and nonborrowed reserves, holding everything else constant, under the following situations.
1a. The economy is surprisingly strong, leading to an increase in the amount of checkable deposits.
1b. Banks expect an unusually large increase in withdrawals from checking deposit accounts in the future.
1c. The Fed raises the target federal funds rate.
1d. The Fed raises the interest rate on reserves above the current equilibrium federal funds rate.
1e. The Fed reduces reserve requirements.
1f. The Fed reduces reserve requirements and then offsets this action by conducting an open market sale of securities.
Based on the supply and demand analysis of the market for reserves, a. federal funds rate and borrowed reserves increases and nonborrowed reserves remains unchanged, b. federal funds rate and borrowed reserves increases and nonborrowed reserves remains unchanged, c. federal funds rate increases, borrowed reserves decreases and nonborrowed reserves remains unchanged, d. federal funds rate and borrowed reserves decreases and nonborrowed reserves, e. federal funds rate and borrowed reserves decreases, and nonborrowed reserves remain unchanged, and f. federal funds rate, borrowed reserves and nonborrowed reserves remain unchanged.
The supply and demand analysis of the market for reserves can help explain the effects of various economic situations on the federal funds rate, borrowed reserves, and nonborrowed reserves. Here is what happens under each of the situations listed.
Effects on federal funds rate, borrowed reserves, and nonborrowed reserves1a. When the economy is surprisingly strong and there is an increase in the amount of checkable deposits, the demand for reserves increases. This leads to an increase in the federal funds rate and an increase in borrowed reserves, while nonborrowed reserves remain unchanged.
1b. When banks expect an unusually large increase in withdrawals from checking deposit accounts in the future, they will increase their demand for reserves to prepare for the withdrawals. This leads to an increase in the federal funds rate and an increase in borrowed reserves, while nonborrowed reserves remain unchanged.
1c. When the Fed raises the target federal funds rate, the supply of reserves decreases, leading to an increase in the federal funds rate and a decrease in borrowed reserves. Nonborrowed reserves remain unchanged.
1d. When the Fed raises the interest rate on reserves above the current equilibrium federal funds rate, the supply of reserves increases, leading to a decrease in the federal funds rate and a decrease in borrowed reserves. Nonborrowed reserves increase.
1e. When the Fed reduces reserve requirements, the demand for reserves decreases, leading to a decrease in the federal funds rate and a decrease in borrowed reserves. Nonborrowed reserves remain unchanged.
1f. When the Fed reduces reserve requirements and then offsets this action by conducting an open market sale of securities, the demand for reserves decreases but the supply of reserves also decreases. This leads to no change in the federal funds rate, borrowed reserves, or nonborrowed reserves.
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______ is a 21-year-old diagnosed with ds. He often argues with peers and staff with no motive. When asked to complete daily tasks, he has exaggerated reactions with the intent to make others react as angry
William is a 21-year-old diagnosed with ds. He often argues with peers and staff with no motive. William has ADHD ( Attention-deficit/hyperactivity disorder.)
When asked to complete daily tasks, he has exaggerated reactions with the intent to make others react as angry. These are all symptoms of ADHD.
ADHD often begins in childhood and can be there into adulthood. It may result in low self-esteem, troubled relationships, and difficulty at school or work.
Brief explanation of ADHD?ADHD is shown by a persistent pattern of inattention and/or hyperactivity-impulsivity that stops functioning or growth.
Three basic signs of ADHD?While some individuals with ADHD continue to experience severe symptoms that impair everyday functioning, others with ADHD experience fewer symptoms as they age. The major symptoms of ADHD in adults may have trouble focusing, impulsivity, and restlessness. From moderate to severe symptoms are possible.
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ransitional dynamics in the Solow model are due to: Not yet answered Marked out of 10.00 P Flag Select one: O a. Constant returns to scale. O b. Total factor productivity. Oc. Diminishing returns to labour O d. Diminishing returns to capital
Transitional dynamics in the Solow model are due to: diminishing returns to capital (option d).
The Solow model, also known as the Solow-Swan model, is an economic model that explains long-run economic growth by examining the contributions of capital accumulation, labor, and technological progress. One of the key assumptions of the model is that there are diminishing returns to capital, meaning that as more capital is added to the economy, the additional output produced by each unit of capital decreases.
This assumption of diminishing returns to capital is what drives the transitional dynamics in the Solow model. In the short run, an increase in capital will lead to an increase in output, but as more capital is added, the marginal product of capital decreases and the economy will eventually reach a steady state where output growth is determined solely by the rate of technological progress.
Therefore, the correct answer to the question is (option d), diminishing returns to capital.
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