Quantitative easing (QE) is a monetary policy tool used by central banks to stimulate the economy by purchasing government bonds and other financial assets to increase the money supply and lower interest rates. Financial institutions play a crucial role in QE by facilitating the purchase and sale of these assets.
One of the main ways that financial institutions are involved in QE is through their role as primary dealers. These are banks and other financial institutions that are authorized to buy and sell government securities directly with the central bank. When the central bank engages in QE, it purchases government bonds and other assets from these primary dealers, injecting new money into the financial system.
Another way that financial institutions are involved in QE is through their role in the broader financial markets. As the central bank purchases assets and injects new money into the system, this can have a ripple effect throughout the financial markets. For example, QE can lead to lower interest rates, which can make borrowing cheaper for businesses and households, leading to increased spending and investment. This, in turn, can lead to higher stock prices and greater liquidity in the financial markets.
Overall, financial institutions play a crucial role in facilitating the implementation of QE and its impact on the financial markets. However, it is important to note that QE also carries risks, such as the potential for inflation and asset bubbles. Therefore, it is important for central banks and financial institutions to carefully monitor and evaluate the effects of QE on the economy and financial markets.
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subject: Accounting
please if you will answer me don't forget all the question is important
PROBLEM :
Early in 2010, Samsung was formed with authorization to issue 100,000 shares of €10 par value common stock and 20,000 shares of €90 par value cumulative preferred stock.
During 2010, all the preferred stock was issued at par, and 70,000 shares of common stock were sold for €30 per share. The preferred stock is entitled to a dividend equal to 11 percent of its par value before any dividends are paid on the common stock.
During its first five years of business (2010 through 2014), the company earned income totaling €,5000,000 and paid dividends of 1€s per share each year on the common stock outstanding.
On January 1, 2012, the company purchased 1,000 shares of its own common stock in the open market for €30,000. On January 2, 2014, it reissued 800 shares of this treasury stock for €30,000. The remaining 200 shares were still held in treasury at December 31, 2014.
Question:
3.- In the event that you, acting as CFO of a Public listed company want to make an investment explain the difference between choosing:
a)Bank loan with covenants
b) Issuing Bonds
c) Issuing shares
d) Issuing preferred Stock.
What would be the impact on Net income, EPS, PE ratio, Debt to Equity, Debt to Assets.
4.-What is the difference between bonds issued at a discount, par, or premium.
3. a)Bank loan with covenants - It is a loan from a bank
b) Issuing Bonds - raising capital by borrowing money
c) Issuing shares - a company sells shares
d) Issuing preferred Stock - a company issues stock that pays a predetermined dividend
4. Bonds issued at a discount are bonds that are sold for less than their face value and will generate a higher yield for the investor than the stated interest rate
3. When making an investment, the differences between a bank loan with covenants, issuing bonds, issuing shares, and issuing preferred stock are as follows:
A bank loan with covenants is a loan from a bank that includes certain conditions (or covenants) that the borrower must comply with in order to receive the loan.
Issuing bonds is the process of raising capital by borrowing money from investors who will receive a return in the form of interest payments over a certain period of time.
Issuing shares is when a company sells shares of its own stock to raise capital.
Issuing preferred stock is when a company issues stock that pays a predetermined dividend and has a higher claim on assets than common stock in the event of liquidation.
The impact of these different forms of financing on Net Income, EPS, PE ratio, Debt to Equity, and Debt to Assets will depend on the specifics of the loan/stock offering.
4. Bonds issued at a discount are bonds that are sold for less than their face value and will generate a higher yield for the investor than the stated interest rate. Bonds issued at par are bonds that are sold at their face value and will generate the stated interest rate. Bonds issued at a premium are bonds that are sold for more than their face value and will generate a lower yield for the investor than the stated interest rate.
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Problem 3 65 marks) You have been given the financial statements for Low Risk Inc. You have been asked to determine the free cash flow (FCF) for 2014. Income Statement 2013 2014 Sales 80,000 120,000 Cost of Goods Sold 32,000 48,000 Gross Margin 48,000 72,000 Selling Expense 8,000 12,000 EBITDA 40,000 60,000 Depreciation 4,000 6,000
EBIT 36.000 54,000 interest 200 Earnings before taxes 35,850 53,800 taxes 14,340 21,520 Net Income 21,510 32,280
The free cash flow for Low Risk Inc. in 2014 is $14,480.
To determine Free Cash Flow (FCF) for 2014, you should use financial reports provided by Low Risk Inc. FCF is calculated as:
FCF = EBIT - Taxes + Depreciation - Change in Net Working Capital - Capital ExpendituresYou can use information from your financial statements to populate the values for each variable.
EBIT = $54,000Tax = $21,520Depreciation = $6,000Change in net working capital:
($120,000 - $80,000) - ($48,000 - $32,000)= $40,000 - $16,000
= $24,000
Capital expenditure:
$0 (not disclosed in financial statements)Substituting these values into the formula gives:
FCF = $54,000 - $21,520 + $6,000 - $24,000 - $0= $14,480
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The spot price of an investment asset is $100 and the risk-free rate for all maturities is 10% with continuous compounding. The asset provides an income of $3 at the end of the first year only. What is the three-year forward price?
From the previous question, compute the price of the same three-year forward price using when the asset provides an income of $3 at the end of the first year and at the end of the second year.
The three-year forward price of the investment asset when it provides an income of $3 at the end of the first year and at the end of the second year is $128.35.
The three-year forward price of an investment asset can be calculated using the formula:
F = S*e^(r*T) - I*e^(r*(T-t))
Where F is the forward price, S is the spot price, r is the risk-free rate, T is the time to maturity, I is the income, and t is the time when the income is received.
In this case, the spot price (S) is $100, the risk-free rate (r) is 10% with continuous compounding, the time to maturity (T) is 3 years, the income (I) is $3, and the time when the income is received (t) is 1 year.
Plugging these values into the formula, we get:
F = 100*e^(0.10*3) - 3*e^(0.10*(3-1))
F = 100*e^0.30 - 3*e^0.20
F = 135.34 - 3.69
F = 131.65
Therefore, the three-year forward price of the investment asset is $131.65.
Now, if the asset provides an income of $3 at the end of the first year and at the end of the second year, we need to adjust the formula to account for the additional income. The new formula will be:
F = S*e^(r*T) - I1*e^(r*(T-t1)) - I2*e^(r*(T-t2))
Where I1 is the income received at the end of the first year and I2 is the income received at the end of the second year.
Plugging in the values, we get:
F = 100*e^(0.10*3) - 3*e^(0.10*(3-1)) - 3*e^(0.10*(3-2))
F = 100*e^0.30 - 3*e^0.20 - 3*e^0.10
F = 135.34 - 3.69 - 3.30
F = 128.35
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- On the marketing battlefield "customers" are important
because they generate what two things?
- What are some of the ways a competitor can displace
another company’s SCA?
Customers are important on the marketing battlefield because they generate two things: revenue and feedback. One way to competitor can displace another company’s SCA is by offering a product or service that is superior in quality or lower in price.
Revenue is the income generated from the sale of goods or services to customers. Feedback is the information provided by customers about their experiences with a product or service, which can be used to improve the product or service and better meet the needs of the customer.
A competitor can displace another company’s Sustainable Competitive Advantage (SCA) in several ways. One way is by offering a product or service that is superior in quality or lower in price. Another way is by creating a new product or service that meets a need that the other company is not currently addressing. Additionally, a competitor can differentiate themselves by offering a unique value proposition, such as exceptional customer service or a loyalty program. Finally, a competitor can displace another company’s SCA by investing in marketing and advertising to increase brand awareness and attract customers.
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Your firm practices a strict residual dividend policy and maintains a capital structure of 25% debt and 75% equity. Net earnings for the year are $3 million.
a) What is the maximum amount of capital spending possible without new equity?
b) If planned investment outlays for the coming year are $3.6 million, will your firm be paying a dividend, and if so, how much will it be paying?
c) Based on planned investment outlays of $3.6 million, what are your firm's retention and dividend payout ratios?
d) If your firm's next annual dividend payment is expected to be $0.25 and your firm's current share price is $7.00, what is the dividend yield (correct to two decimal places)?
Your firm practices a strict residual dividend policy and maintains a capital structure of 25% debt and 75% equity. Net earnings for the year are $3 million.
a) The maximum amount of capital spending possible without new equity can be calculated by multiplying the net earnings by the percentage of equity in the capital structure. This gives us $3 million * 0.75 = $2.25 million. This means that the firm can spend up to $2.25 million on capital expenditures without raising new equity.
b) If planned investment outlays for the coming year are $3.6 million, the firm will need to raise additional funds to cover the difference between the maximum amount of capital spending without new equity ($2.25 million) and the planned investment outlays ($3.6 million). This difference is $3.6 million - $2.25 million = $1.35 million. Since the firm practices a strict residual dividend policy, it will not be paying a dividend.
c) Based on planned investment outlays of $3.6 million, the firm's retention ratio can be calculated by dividing the planned investment outlays by the net earnings. This gives us $3.6 million / $3 million = 1.2. The dividend payout ratio can be calculated by subtracting the retention ratio from 1. This gives us 1 - 1.2 = -0.2. This means that the firm is not paying a dividend and is instead retaining all of its earnings to fund the planned investment outlays.
d) If the firm's next annual dividend payment is expected to be $0.25 and the current share price is $7.00, the dividend yield can be calculated by dividing the annual dividend payment by the current share price. This gives us $0.25 / $7.00 = 0.0357. To express this as a percentage, we multiply by 100 and round to two decimal places. This gives us a dividend yield of 3.57%.
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Ismail and Sameer are opening a paint store. There are no competing paint stores in the area. They must decide how to organize the business. They anticipate profits of $100,000 the first year, with the ability to sell franchises in the future. Although they have enough to start the business now as a partnership, cash flow will be an issue as they grow. They feel the corporate form of operation will be best for the long term. They seek your advice.
Requirements
1. What is the main advantage they gain by now selecting a corporate form of business?
2. Would you recommend they initially issue preferred or common stock? Why?
3. If they decide to issue $10 par common stock and anticipate an initial market price of $40 per share, how many shares will they need to issue to raise $2,250,000?
4.vForecast their earning potential with your imaginary numbers for the next two years. Here, you have to prepare forecasted income statements and the year-end balance sheets for the first two years, assuming that they are going the start the business as a joint-stock company??
The main advantage of selecting a corporate form of business is the limited liability protection, recommend that they initially issue common stock, they would need to issue 56,250 shares and Forecasted income statements and balance sheets for the first two years.
1. The main advantage of selecting a corporate form of business is the limited liability protection it provides to the owners (Ismail and Sameer). This means that their personal assets are protected from any potential business losses or lawsuits. Additionally, corporations have the ability to raise capital through the sale of stock, which can help with cash flow issues as the business grows.
2. I would recommend that they initially issue common stock. Common stock typically has more potential for growth in value and also gives the owners voting rights, which can be important in making business decisions. Preferred stock, on the other hand, typically has a fixed dividend and does not have voting rights.
3. To raise $2,250,000 with a $10 par value and an initial market price of $40 per share, they would need to issue 56,250 shares. This can be calculated by dividing the amount they need to raise by the market price per share: $2,250,000 / $40 = 56,250 shares.
4. Forecasted income statements and balance sheets for the first two years would require more information, such as projected revenue, expenses, and assets. However, with the anticipated profits of $100,000 in the first year and the potential to sell franchises in the future, it is likely that their earning potential will increase over the next two years. It is important for Ismail and Sameer to carefully plan and manage their finances in order to maximize their earning potential and ensure the success of their business.
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1. Do you believe the statement "Conflict is Inevitable? Why or
Why not?
2. Identify several consequences that might result from conflict
in the workplace.
3. List two conflict from the news, your w
1. Whether or not conflict is inevitable is a matter of opinion. Some people believe that conflict is a natural part of human relationships and that it is impossible to completely avoid it. Others believe that with proper communication and conflict resolution skills, conflicts can be avoided or resolved before they become major issues.
Personally, I believe that while conflict may be inevitable in some situations, it is possible to prevent or mitigate it with effective communication and conflict resolution skills.
2. Several consequences that might result from conflict in the workplace include decreased productivity, damaged relationships, and a toxic work environment. Conflict can cause employees to become disengaged and less motivated to do their best work. It can also lead to strained relationships between coworkers, which can make it difficult to collaborate and work effectively as a team.
In extreme cases, conflict in the workplace can create a toxic work environment that is characterized by hostility, negativity, and distrust.
3. Two conflicts from the news that come to mind are the ongoing trade war between the United States and China and the conflict between North Korea and South Korea. The trade war between the US and China has resulted in tariffs being placed on goods from both countries, which has had a negative impact on the economies of both countries.
The conflict between North Korea and South Korea has been ongoing for decades and has resulted in tensions and occasional military clashes between the two countries.
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What factors contributed to the steady rise and expansion ofthe Ottoman Turks during 1300-1600 CE? Explain, with examples.
There were several factors that contributed to the steady rise and expansion of the Ottoman Turks during 1300-1600 CE. These include military strength, strategic location, economic prosperity, and effective leadership.
1) Military strength: The Ottoman Turks had a strong and well-organized army, which allowed them to conquer and expand their territory. They also made use of new technologies, such as gunpowder, which gave them an advantage over their enemies. For example, they used cannons to conquer Constantinople in 1453.
2) Strategic location: The Ottoman Empire was strategically located at the crossroads of Europe, Asia, and Africa. This allowed them to control important trade routes and expand their influence.
3) Economic prosperity: The Ottoman Empire had a thriving economy, which allowed them to fund their military campaigns and expand their territory. They controlled important trade routes, which brought them wealth and allowed them to dominate the region.
4) Effective leadership: The Ottoman Empire had strong and effective leaders, such as Suleiman the Magnificent, who were able to expand the empire and maintain control over their territories. Suleiman, for example, was able to conquer parts of Europe and expand the Ottoman Empire to its greatest extent.
Overall, the combination of these factors allowed the Ottoman Turks to rise and expand during the 1300-1600 CE period.
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Create a TOWS Analysis on internal revenue service.Answer fast and i will upvote
A TOWS Analysis is a strategic planning tool that helps organizations identify their strengths, weaknesses, opportunities, and threats.
By analyzing these factors, organizations can make informed decisions about how to move forward and achieve their goals. Here is a TOWS Analysis on the Internal Revenue Service (IRS):
Strengths:
- Expertise in tax law and enforcement
- Access to taxpayer information and data
- Authority to collect taxes and enforce compliance
Weaknesses:
- Limited resources and funding
- Inefficient and outdated technology systems
- Negative public perception
Opportunities:
- Implementing new technology to improve efficiency and customer service
- Expanding online services for taxpayers
- Collaborating with other government agencies to improve tax enforcement and compliance
Threats:
- Changes in tax law and regulations
- Budget cuts and resource constraints
- Cybersecurity threats and data breaches
By considering these factors, the IRS can develop strategies to capitalize on its strengths, address its weaknesses, take advantage of opportunities, and mitigate threats. For example, the IRS could invest in new technology to improve efficiency and customer service, expand online services to make it easier for taxpayers to file and pay taxes, and collaborate with other government agencies to improve tax enforcement and compliance. At the same time, the IRS must be aware of potential threats, such as changes in tax law and regulations, budget cuts, and cybersecurity threats, and take steps to mitigate these risks.
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Self-regulation can lead to financial crises and corporate
scandals’ – Use theories and examples discussed in class to what
assess to what extent is this statement true
Yes, self-regulation can lead to financial crises and corporate scandals.
For example, according to the efficient market hypothesis (EMH), self-regulation in financial markets can create instability as investors' confidence and irrational optimism can lead to asset bubbles, overvaluation and ultimately financial crises.
Similarly, the principal-agent problem, which occurs when an individual or organization is acting on behalf of another, can lead to conflicts of interests, creating misaligned incentives between agents and principals that can lead to corporate scandals.
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choosing Starbucks Coffee Company as your organisation
Question 2 (30 Marks)
Assess the vision and mission statements of the organisation. Your answer should consider whether they are in line with the goals and objectives that have been put forward by the organisation.
The vision and mission statements of Starbucks Coffee Company are to inspire and nurture the human spirit—one person, one cup, and one neighborhood at a time.
Their mission statement outlines their commitment to excellence in all areas of their business, from the quality of their coffee to the experience of their customers. They strive to create a welcoming and comfortable atmosphere and to provide customers with the highest quality products and services. These statements are in line with the goals and objectives of the organisation, which are to make Starbucks the most recognized and respected brand in the world, to create a sense of community among customers and employees, and to bring people together.
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What is one way to overcome imposter syndrome?
A. Use imagination and visualization to find your natural talents.
B. Remind yourself that you worked hard for the success you
achieved.
OC. Compare yourself to those who are better than you at a specific
skill.
D. Identify with members of a group who you perceive are like you.
Overcoming imposter syndrome can be challenging, but one approach is to, remind yourself that you worked hard for the success you achieved. Option B
What is Imposter syndrome i about?Imposter syndrome is a common phenomenon where an individual feels like a fraud, doubting their abilities and accomplishments despite evidence of their competence.
Acknowledge and give yourself credit for the hard work, effort, and skills you've acquired to achieve success. Recognize that everyone makes mistakes and experiences setbacks, but that doesn't diminish their abilities or accomplishments. Focus on your strengths and the value you bring to the table, rather than comparing yourself to others.
Over time, you can gradually build your confidence and self-esteem by continuously reminding yourself of your achievements and your ability to grow and learn.
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To make 150 telephones, ComTech, Inc. had these manufacturing costs: materials $1,282.29; labor, $1,975.26; factory overhead, $1,234.31. What was the prime cost of making the
telephones? What was the total manufacturing cost of each phone. on average. to the nearest whole cent
Answer:
The prime cost of making the 150 telephones is the total cost of materials and labor, which is $3,257.55. The total manufacturing cost of each phone, on average, is $21.72 to the nearest whole cent. The factory overhead cost of $1,234.31 is spread out over all of the telephones and is not factored into the prime cost
Explanation:
Assume you are nearing graduation and you have applied for a job with a local bank. Part of the bank’s evaluation process re- quires you to take an examination that covers several financial analysis techniques. The first section of the test addresses time value of money analysis. See how you would do by answering the following questions:
a)
(1) What is the future value of an initial $100 after three years if it is invested in an account paying 10 percent annual interest?
(2) What is the present value of $100 to be received in three years if the appropriate interest rate is 10 percent?
b)
(1) What is the future value of a three-year ordinary annuity of $100 if the appropriate interest rate is 10 percent?
(2) What is the present value of the annuity?
(3) What would the future and present values be if the annuity were an annuity due?
c)
What is the present value of the following uneven cash flow stream? The appropriate interest rate is 10 percent, compounded annually.
a) the future value of an initial $100 after three years is $133.10 , the present value of $100 to be received in three years is $75.13 .b) The future value of a three-year ordinary annuity of $100 is $331 , The present value of the annuity is $249.the future and present values be if the annuity were an annuity due is $273.90. c) the present value of the following uneven cash flow stream is $481.59.
a) (1) The future value of an initial $100 after three years if it is invested in an account paying 10 percent annual interest can be calculated using the formula
FV = PV (1 + r)^n,
where FV is the future value, PV is the present value, r is the interest rate, and n is the number of periods.
FV = $100 (1 + 0.10)^3 = $100 (1.10)^3 = $100 (1.331) = $133.10
(2) The present value of $100 to be received in three years if the appropriate interest rate is 10 percent can be calculated using the formula
PV = FV / (1 + r)^n,
where FV is the future value, PV is the present value, r is the interest rate, and n is the number of periods.
PV = $100 / (1 + 0.10)^3 = $100 / (1.10)^3 = $100 / 1.331 = $75.13
b)
(1) The future value of a three-year ordinary annuity of $100 if the appropriate interest rate is 10 percent can be calculated using the formula
FV = PMT [((1 + r)^n - 1) / r],
FV = $100 [((1 + 0.10)^3 - 1) / 0.10] = $100 [(1.331 - 1) / 0.10] = $100 (0.331 / 0.10) = $100 (3.31) = $331
(2) The present value of the annuity can be calculated using the formula
PV = PMT [(1 - (1 / (1 + r)^n)) / r],
PV = $100 [(1 - (1 / (1 + 0.10)^3)) / 0.10] = $100 [(1 - (1 / 1.331)) / 0.10] = $100 [(1 - 0.751) / 0.10] = $100 (0.249 / 0.10) = $100 (2.49) = $249$481.59
(3) If the annuity were an annuity due, the future value would be
FV = $331 (1 + 0.10) = $364.10 and the present value would be
PV = $249 (1 + 0.10) = $273.90.
c) The present value of the following uneven cash flow stream can be calculated by finding the present value of each cash flow and then summing them.
PV = $100 / (1 + 0.10)^1 + $200 / (1 + 0.10)^2 + $300 / (1 + 0.10)^3 = $90.91 + $165.29 + $225.39 = $481.59.
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1) A company's current rutio is 13. If the company uses cash to retire notes payable due within one year, would this transaction increase or decrease the current ratio and return on annet ratio? *) Cu
A company's current ratio is 13. If the company uses cash to retire notes payable due within one year the transaction would increase the current ratio and decrease the return on asset ratio.
The current ratio is calculated as current assets divided by current liabilities. By using cash to retire notes payable due within one year, the company is decreasing its current liabilities, which would increase the current ratio. However, the return on asset ratio is calculated as net income divided by total assets. By using cash to retire notes payable, the company is decreasing its total assets, which would decrease the return on asset ratio.
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As part of the financial planning process, a common practice in the corporate finance world is restructuring through the process of mergers and acquisitions (M&A). It seems that on a regular basis, investment bankers arrange M&A transactions, forming one company from separate companies. What are the advantages and the disadvantages of a merger? In your response, provide an example of either - a merger that was successful, or one that was unsuccessful.
Mergers and acquisitions (M&A) are a common practice in the corporate finance world, allowing companies to restructure and form one company from two or more separate entities.
There are advantages and disadvantages to mergers, which should be carefully considered before any decisions are made.
Advantages: Mergers can provide cost savings through economies of scale, as well as increased revenues due to greater market share. They can also provide access to new technologies and products, increased access to financing, and opportunities to expand geographically.
Disadvantages: Mergers can be expensive, time consuming, and often have unintended consequences. They can also lead to job losses and may bring with them cultural conflicts.
An example of a successful merger would be the merger of two major oil companies, BP and Amoco in 1998.
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Sam and carlie, a married couple who will file jointly, are both teachers. In 2021, sam had receipts totaling $330 in unreimbursed, qualifying expenses for his classroom. Carlie also had unreimbursed expenses for covid-19 protective items, such as face masks and hand sanitizer, that she purchased during the year in an attempt to stop the spread of covid-19 in her classroom. Her receipts totaled $295. What is the maximum amount of educator expenses the couple may deduct on their joint return?
WASHINGTON (AP) – Qualified instructors can deduct unreimbursed COVID-19 protective equipment purchased to prevent the spread of COVID-19 in the classroom.
What are the objectives of instructors?
Teachers are responsible for creating and maintaining a civil, productive, inclusive, and engaging learning environment. Both teachers and students must approach the educational setting with decency and respect. A teacher is a form of educator. An instructor can be anyone, although it generally refers to someone who teaches hands-on skills, such as a water-skiing teacher or the knitting class instructor at the community center. "Instruction or teaching is more technical, like a specific skill set," he explains. "Coaching, on the other hand, involves overseeing a player's complete growth rather than simply a tiny element of it."
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Q. Think of real-life examples of each of the following topics, drawing from organizational experience, and write the script of a role play. The role-play should comprise at least 3 to 4 characters.Nonverbal CommunicationClaim, Reason, Evidence (CRW)E-mail Impoliteness/Insensitivityiii. E-mail Impoliteness/Insensitivity
Real-life examples of e-mail impoliteness/insensitivity can include someone sending an email that is curt, condescending, or otherwise unkind.
A role-play to illustrate this could include the following characters:
1. The Victim: The person receiving the rude email.
2. The Bully: The person sending the rude email.
3. The Mediator: Someone attempting to bridge the gap between the two parties.
The role-play could begin with the Victim receiving the rude email from the Bully. The Victim would feel angry and confused about the tone of the email and would express their frustration. The Mediator could then step in to explain why the Bully's email was inappropriate and suggest ways to resolve the issue. The Bully could then apologize for their words and explain why they sent the email. This would be a good opportunity for the Victim and Bully to understand each other's perspective and come to a resolution.
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Cincinnati Super Subs is one of the larger Super Subs outlets, a chain of 300 take-away restaurants in Indiana, Ohio and Michigan. This outlet has a restaurant manager, an assistant manager, and several part-time team leaders. The restaurant manager rarely has time to serve customers and frontline work by managers is discouraged by the head office. The assistant manager serves customers for a couple of hours during the busy lunch-time but otherwise assists the restaurant manager with purchasing, accounts, hiring and other operations. Most team leaders are college students and serve customers alongside other employees, particularly from late afternoon to night closing. Most employees are also students who work part-time, a few are in high school. All regular staff earn minimum pay rates.
Cincinnati Super Subs has experienced below-average profitability over the past 18 months, which has reduced the monthly bonus paid to the restaurant manager and assistant manager. This bonus is calculated by percentage of "wastage" (unsold, damaged or unaccounted for food and drinks) relative to sales; the lower the percentage of wastage, the higher the bonus. Wastage occurs when employees drop or spill food, cut up more toppings than are sold, burn heated subs, prepare an order incorrectly and eat or give away food without permission. When employees make mistake, the expense is supposed to come out of their pay-check. Unauthorized eating and giving away food are ground s for immediate dismissal. However, team leaders are reluctant to report any accidental or deliberate wastage, even when confronted by the restaurant manager about the store’s high wastage over the previous week and month. One team leader who reported several accidental wastage incidents eventually quit after being snubbed by coworkers who attended the same college classes.
Cincinnati Super Subs gives employees a food allowance if they work continuously for a least four and one half hours. Staff complain that the allowance is meagre and that they are often ineligible for the food allowance because many shifts are only three or four hours. Employees who work these shorter shifts sometimes help themselves to food and drinks
when the managers aren’t around, claiming that their hard work justifies the free meal. Some also claim the food is a low company expense and makes up for their small paycheck, relative to what many of their friends earn elsewhere. Several (but not most) employees give some of their friends generous helpings as well as occasional free soft drinks and chips. Employees say handing out free food to friends makes them more popular with their peers.
Five month ago, the Cincinnati restaurant’s wastage (mainly deliberate wastage) had risen to the point where the two managers no longer received a bonus. The restaurant managers reacted by giving the food allowance only to those who work for six or more hours in a single shift. This action excluded even more staff from receiving the food allowance, but it did not discourage employees from eating or giving away food. However, almost 20 percent of the experienced college staff left for other jobs over the following two months. Many of those who stayed discouraged friends from considering jobs at Super Subs. Morale declined, which dampened the fun atmosphere that had been experienced to some extent in past times. Relations between employees and managers soured further.
With relatively low unemployment, the restaurant manager found it difficult to hire replacement, particularly manager found it difficult to hire replacement, particularly people with previous work experience of any kind. Temporary staff shortages required the two managers to spend more time working in food preparation and training the new staff. Their increased presence in the restaurant significantly reduced deliberate wastage, but accidental wastage increased somewhat as the greater number of inexperienced staff made more mistakes.
After three months, Cincinnati Super Subs’ manager and assistant manager were confident that the situation had improved, so they spent less time training staff and serving customers. Indeed, they received a moderate bonus after the third month in the store. However, wastage increased again soon after the managers withdrew from daily operations. The experienced employees started eating more food and the new staff soon joined this practice. Exasperated, the restaurant manager took bolder steps. He completely removed the food allowance and threatened to fire any employee caught consuming of giving away food.Wastage dropped somewhat over the next month but is now creeping upward again,
(Source: McShane, S. L and Von Glinow, M. A. (2018). Organizational Behaviour, McGraw-Hill).
Questions
2) What are the main causes of these symptoms?
The main symptoms of the problems at Cincinnati Super Subs are below-average profitability, high wastage, low morale, and high employee turnover. These symptoms are caused by several factors, including Poor management practices, Inadequate compensation,Lack of accountability,Poor employee relations.
1) Poor management practices: The restaurant manager and assistant manager rarely have time to serve customers and frontline work by managers is discouraged by the head office. This means that they are not able to closely monitor employee behavior and prevent wastage.
2) Inadequate compensation: All regular staff earn minimum pay rates and the food allowance is meager and often ineligible for employees working shorter shifts. This leads to employees feeling undervalued and more likely to engage in wastage behavior as a way to compensate for their low pay.
3) Lack of accountability: Team leaders are reluctant to report any accidental or deliberate wastage, even when confronted by the restaurant manager about the store’s high wastage. This lack of accountability allows wastage to continue unchecked.
4) Poor employee relations: The restaurant manager and assistant manager have taken a heavy-handed approach to dealing with wastage, including removing the food allowance and threatening to fire employees. This has led to low morale and high employee turnover, which in turn has led to increased wastage due to inexperienced staff making more mistakes.
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What are some economic choices that Teasha had to make? List 5 economic choices
Answer:
scarcity, supply and demand, marginal costs, marginal benefits, and incentives.
Explanation:
Can you please help me with the question i just posted? its for 100 points!
i just really need help!
As a management accounting in Coles Supermarkets Australia, whatkind of costing system will you choose? Based on supermarketcharacteristics, give reasons. Why?
In Coles Supermarkets Australia, as a management accountant, we would choose an activity-based costing system. This system allows for the accurate calculation of costs based on the activities associated with a particular product or service.
It is well suited to supermarkets due to the large variety of products and services offered, as well as the numerous activities associated with stocking, pricing, and selling the products. Activity-based costing also allows for accurate product and service cost analysis, making it an ideal choice for management accounting in Coles Supermarkets Australia. Additionally, an activity-based costing system allows for the identification of cost drivers, which can help management make informed decisions about pricing and cost control. Overall, an activity-based costing system is a more accurate and efficient way to allocate costs in a supermarket setting than traditional costing systems.
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What variable affecting gross profit should the manager focushis attention? Why?
The variable affecting gross profit that the manager should focus his attention on is the cost of goods sold (COGS).
This is because gross profit is calculated as the difference between the revenue generated from sales and the cost of goods sold. By reducing the cost of goods sold, the manager can increase the gross profit. This can be done by finding cheaper suppliers, negotiating better deals with existing suppliers, reducing waste in the production process, or improving efficiency in the supply chain.
By focusing on the cost of goods sold, the manager can have a significant impact on the gross profit of the business.
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a) Training and development is an important aspect and managers need to address performance gaps and culture fit in the organisation.Discuss the aspects that DaimlerChrysler and AOL need to consider when moving towards becoming strategically aligned in the merge. (15)
When DaimlerChrysler and AOL merge, they will need to consider several aspects in order to move towards becoming strategically aligned. They are Cultural fit, Strategic alignment, Organizational structure.
When DaimlerChrysler and AOL merge, they will need to consider several aspects in order to move towards becoming strategically aligned. These include:
Employee training and development: Both organizations will need to make sure that employees are properly trained and have the necessary development opportunities to excel in their roles and adapt to the new merged entity. They will also need to identify any performance gaps that exist and find ways to fill them.
Cultural fit: It is important to ensure that the new merged entity has a culture that is conducive to success. Both organizations will need to assess their current culture and ensure that there is synergy between the two.
Organizational structure: The organizational structure should be reviewed to determine if it is still suitable for the new merged entity. Changes may need to be made in order to maximize efficiency and effectiveness.
Strategic alignment: The merged entity should have a clear strategy that is aligned with its goals and objectives. This should be communicated to all employees to ensure that everyone is working towards the same goal.
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Joan and Joe, both 45, have one child starting her 2nd year in college. Tuition is $13,000/year. Their goals are to pay for tuition and fund their retirement. Currently, the balance in his pension plan is $70,000. He puts $8,000 per year into it from pre-tax money plus his employer's match (100%). It is earning an average of 5% per year. In addition, they have $10,000 of non-retirement money in mutual funds. At this point, they want to evaluate their retirement plans and determine how much they will have for retirement at age 65. Their financial data is:
Monthly net income $7,500
Living expenses $3,500
Assets $305,000 (their home's value, excludes investments)
Liabilities $105,000 (all mortgage, maturing in 15 years)
a. How should they pay the tuition?
b. How much can they put away for retirement using post-tax money?
c. At age 63, how much should they have in the pension plan account? In the non-retirement account?
A. Joan and Joe should pay the tuition with money from their non-retirement funds. This is because they are already making contributions to the pension plan with pre-tax money, and they want to fund their retirement.
B. After deducting the tuition cost and living expenses, they should have a post-tax income of approximately $17,000 per year. From this, they can put away a maximum of $8,000 for retirement, leaving them with an annual retirement contribution of $8,000.
C. At age 63, the balance in their pension plan should be approximately $247,000, assuming an average rate of return of 5% per year. In addition, they should have $10,000 of non-retirement money in mutual funds.
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Tom borrowed $7640 for 7 months at an interest rate of 6%. The bank alao charges a $200 processing fee. What is the actual annual simple interest rate for this loan? Consider any fees as part of the total interest.
the actual annual simple interest rate for this loan is 6.11%.
To find the actual annual simple interest rate for the loan, we need to first calculate the interest on the loan and then add the processing fee to get the total interest. Then, we can use the formula for simple interest to find the actual annual interest rate. The formula for simple interest is:
I = P × r × t
Where I is the interest, P is the principal, r is the interest rate, and t is the time in years.
Given:
P = $7640
r = 6% = 0.06
t = 7/12 (since the loan is for 7 months)
First, calculate the interest:
I = P × r × t
I = $7640 × 0.06 × (7/12)
I = $266.80
Now, add the processing fee to get the total interest:
Total interest = I + processing fee
Total interest = $266.80 + $200
Total interest = $466.80
Finally, use the formula for simple interest to find the actual annual interest rate:
Total interest = P × r × t
$466.80 = $7640 × r × 1 (since we want to find the annual interest rate)
r = $466.80 / ($7640 × 1)
r = 0.0611
Therefore, the actual annual simple interest rate for this loan is 6.11%.
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MKTG 6900-01 Marketing Strategy1. What actions do you recommend Netflix to increase its customer lifetime value?2. How can Netflix improve its prospect lifetime value?
3. What is Netflix’s biggest competitive vulnerability?
1. One action that Netflix can take to increase its customer lifetime value is to focus on personalization and recommendation algorithms.
2. To improve its prospect lifetime value, Netflix can focus on targeted marketing efforts to reach potential customers who are most likely to be interested in its services.
3. One of Netflix's biggest competitive vulnerabilities is the increasing competition in the streaming market, with companies like Amazon, Disney, and Apple all offering their own streaming services.
1. This can help to increase customer satisfaction and engagement, leading to longer-term subscriptions and higher customer lifetime value. Additionally, Netflix can focus on creating original content that appeals to its target demographic, as well as providing exclusive access to popular TV shows and movies that can't be found on other platforms.
2. This can include targeted advertising on social media platforms, as well as partnerships with influencers and other companies to reach new audiences. Additionally, Netflix can offer free trials or other promotions to encourage prospects to try its services and potentially convert into paying customers.
3.This competition can lead to a loss of market share and a decrease in customer lifetime value. To mitigate this risk, Netflix can focus on differentiating its services through original content, exclusive access to popular TV shows and movies, and personalized recommendations.
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During the first two months of operations, i.e. January and February 2020, Hamzah Inc. produced 6163 and 9711 units of products respectively. Maintenance costs in those two months were $110785, $178810 respectively. The manager, Umar, initially considered maintenance to be a fixed cost, but by the end of the second month of operations, he realized that maintenance cost is probably a mixed cost. He is expecting production and sales to increase to 17153 in the month of March and as such wants a better prediction of maintenance cost.
(a) Using the high-low method, the estimated variable maintenance cost per unit is $ ? unanswered
(b) Using the high-low method, the estimated total fixed maintenance cost is $? unanswered
(c) Using the answers from (a) and (b), the best estimate of maintenance cost for the month of March is $?
The high-low method is a technique used to estimate fixed and variable costs Total cost = $321,315.14. It requires analyzing the highest and lowest levels of activity and the associated costs ,Total cost = $321,315.14
The highest level of activity is in February with 9711 units produced and the lowest level of activity is in January with 6163 units produced.
(a) To calculate the estimated variable maintenance cost per unit, we use the formula:
Variable cost per unit = (Highest cost - Lowest cost) / (Highest activity level - Lowest activity level)
Variable cost per unit = ($178,810 - $110,785) / (9711 - 6163)
Variable cost per unit = $68,025 / 3548
Variable cost per unit = $19.17
(b) To calculate the estimated total fixed maintenance cost, we use the formula:
Total fixed cost = Highest cost - (Variable cost per unit x Highest activity level)
Total fixed cost = $178,810 - ($19.17 x 9711)
Total fixed cost = $178,810 - $186,275.87
Total fixed cost = -$7,465.87
(c) To estimate the maintenance cost for the month of March, we use the formula:
Total cost = Total fixed cost + (Variable cost per unit x Activity level)
Total cost = -$7,465.87 + ($19.17 x 17153)
Total cost = -$7,465.87 + $328,781.01
Total cost = $321,315.14
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Health Care Law and Legislation-W2
Dear Students, Crime – social harm defined & made punishable by law.
Misdemeanor – offense punishable by less than 1 year in jail and/or a fine.
Felony – imprisonment in a state or federal prison for more than a year.
Questions
Explain what criminal law is, the classification of crimes, and its purpose.
Describe the criminal procedure process from arrest through trial.
Describe several of the more common crimes that occur in the healthcare setting
Criminal law is a body of rules that defines and prohibits certain types of conduct, which are considered to be against the public welfare and punishable by the government. Common crimes that occur in the healthcare setting include fraud, embezzlement, insurance fraud, identity theft, and prescription drug fraud.
Crimes are typically classified as either misdemeanors or felonies. Misdemeanors are offenses punishable by a fine or up to one year in jail, while felonies are offenses that carry more serious penalties such as imprisonment for more than a year. The purpose of criminal law is to protect the public from harm, prevent crime, and to deter individuals from committing criminal acts. The criminal procedure process begins with an arrest and can include a variety of procedures such as pre-trial hearings, a grand jury, plea bargains, and a trial. During the trial, the prosecution and defense will present evidence, witnesses will testify, and the jury will determine guilt or innocence.
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labour variances (favourable or adverse)may cauused by 1. the
use of higher skilled staff 2. freequent machine breakdown 3. the
use cheaper workers 4. using poor quality materials
Labour variances can be affected by a variety of factors, and it is important to consider the potential impact of each factor on labour costs.
Labour variances (favourable or adverse) may be caused by several factors, including:
1. The use of higher skilled staff: This can result in a favourable labour variance if the higher skilled staff are able to complete tasks more efficiently and effectively, leading to less labour costs. However, it can also result in an adverse labour variance if the higher skilled staff are paid more than the budgeted amount for labour.
2. Frequent machine breakdown: This can result in an adverse labour variance if the breakdowns cause delays in production, leading to additional labour costs to meet deadlines.
3. The use of cheaper workers: This can result in a favourable labour variance if the cheaper workers are able to complete tasks at the same level of quality as more expensive workers, leading to lower labour costs. However, it can also result in an adverse labour variance if the cheaper workers are less skilled and require more time to complete tasks, leading to higher labour costs.
4. Using poor quality materials: This can result in an adverse labour variance if the poor quality materials require additional labour to fix mistakes or rework products, leading to higher labour costs.
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question 4
If you deposit money today in an account that pays 3% annual interest, how long will it take to double your money? Round your answer to two decimal places.
question 5
You have $25,387.31 in a brokerage account, and you plan to deposit an additional $6,000 at the end of every future year until your account totals $290,000. You expect to earn 11% annually on the account. How many years will it take to reach your goal? Round your answer to the nearest whole number.
question 6
What's the future value of a 5%, 5-year ordinary annuity that pays $300 each year? If this was an annuity due, what would its future value be? Do not round intermediate calculations. Round your answers to the nearest cent.
Future Value of an Ordinary Annuity: $
Future Value of an Annuity Due: $
It will take approximately 24 years to double your money at a 3% annual interest rate, it will take approximately 17 years to reach your goal of $290,000 and the future value of the annuity due is $1,736.36.
Answer 4: To find out how long it will take to double your money at a 3% annual interest rate, you can use the Rule of 72. The Rule of 72 is a simple formula that estimates how long it will take for an investment to double in value at a given interest rate.
The formula is:
72 / Interest Rate = Number of Years to Double
In this case, the interest rate is 3%, so the formula would be:
72 / 3 = 24
So it will take approximately 24 years to double your money at a 3% annual interest rate.
Answer 5: To find out how many years it will take to reach your goal of $290,000, you can use the Future Value of an Annuity formula. The formula is:
[tex]FV = P * [(1 + r)^n - 1] / r[/tex]
Where FV is the future value, P is the payment, r is the interest rate, and n is the number of periods.
In this case, the payment is $6,000, the interest rate is 11%, and the future value is $290,000. You can plug these values into the formula and solve for n:
[tex]290,000 = 6,000 * [(1 + 0.11)^n - 1] / 0.11[/tex]
[tex]290,000 / 6,000 = (1.11^n - 1) / 0.11[/tex]
[tex]48.333 = 1.11^n - 1[/tex]
[tex]49.333 = 1.11^n[/tex]
[tex]n = log(49.333) / log(1.11)[/tex]
n = 17.29
So it will take approximately 17 years to reach your goal of $290,000.
Answer 6: To find the future value of a 5%, 5-year ordinary annuity that pays $300 each year, you can use the Future Value of an Annuity formula:
[tex]FV = P * [(1 + r)^n - 1] / r[/tex]
In this case, the payment is $300, the interest rate is 5%, and the number of periods is 5. You can plug these values into the formula and solve for FV:
[tex]FV = 300 * [(1 + 0.05)^5 - 1] / 0.05FV = 300 * [(1.27628 - 1) / 0.05FV = 300 * 5.512[/tex]
FV = $1,653.68
So the future value of the ordinary annuity is $1,653.68.
To find the future value of an annuity due, you simply multiply the future value of the ordinary annuity by (1 + r):
FV of Annuity Due = [tex]FV of Ordinary Annuity * (1 + r)[/tex]
FV of Annuity Due = 1,653.68 * (1 + 0.05)
FV of Annuity Due = 1,653.68 * 1.05
FV of Annuity Due = $1,736.36
So the future value of the annuity due is $1,736.36.
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