Setting short-term financial objectives include doing everything you can to enhance your financial situation in the interim.
What exactly is short-term lending?Business finance from short-term, typically less than a year, sources is referred to as short-term financing. The same assists the organization in generating cash for expenditures, which are often less in scale.
What is short-term Investment ?Toutes droits réservés. referring to anything lasting a year or less, including investments, financial plans, and other things. Financial plans and investments for the short term typically include less uncertainty than those for the long term.
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You own a portfolio equally invested in a risk-free asset and two stocks. One of the stocks has a beta of 1.22 and the total portfolio is equally as risky as the market. What must the beta be for the other stock in your portfolio
After owning a portfolio equally invested in a risk-free asset and two stocks. The beta be for the other stock in portfolio is 0.74
Setting up the equation for the beta of our portfolio, we get: βP = 1.0 = 1/3(0) + 1/3(1.22) + 1/3(βX), Solving for the beta of Stock X, we get: βX = 0.74 The weight of each asset multiplied by the beta of each asset results in the beta of a portfolio. The portfolio must have the same beta as the market if it is equally risky. We know the beta of our portfolio is one because the market's beta is 1. Additionally, we must keep in mind that the risk-free asset has a beta of zero. Given that the asset carries no risk, it must be zero.
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i am received in january you get me if you are not an employee, but were paid by a company you probably didn’t get taxes withheld if you got me, so you may have a big tax bill coming up
I received in January you get me if you are not an employee but were paid by a company you probably didn’t get taxes withheld if you got me, so you may have a big tax bill coming up- It is 1099
What is the meaning of tax bill?We mail SSA-1099 tax forms to Social Security recipients each January. You can use it to calculate how much Social Security income to include on your tax return and report to the Internal Revenue Service by looking at the total benefits you received from us in the previous year. An IRS Form W-2, Wage and Tax Statement, outlining your pay, tips, and other compensation from the previous year, must be given to you by your employer by January 31 of every year, even if you no longer work there.
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Which of the following is not considered a limitation of cost-plus pricing? Select one: O a. The model does not guarantee that customers will pay the price computed. o b. Sales volume plays a large role in determining per unit costs. c. It is difficult to compute O d. The model does not give consideration to the demand side.
It is not thought of as a constraint of cost-plus pricing that something is difficult to calculate.
A cost is the amount of money that was spent on producing an item or providing a service but is no longer available for use in production, research, retail, or accounting. The total cost of the transaction is considered while determining the acquisition cost. The majority of fixed expenses are expenditures that depend more on timing than they do on production or sales. Some examples of fixed costs include rent and leasing fees, salaries, energy bills, insurance premiums, and loan repayments. Taxes that are related to business license, for example, are fixed expenses as well. Cost is the amount of money spent by a business to produce or manufacture goods or services.
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_____ is not a type of current problem that organizational development can help address.
Diversification is not a type of current problem that organizational development can help address.
What does "diversification" mean?In the world of finance, diversification refers to the process of allocating capital in a way that limits exposure to any one specific asset or risk. By investing in a variety of assets, one typical way to achieve diversification is to lower risk or volatility. To lower portfolio risk, diversification is a technique that combines a wide range of investments. The most popular way to diversify your investment portfolio is to buy into a variety of asset classes, including stocks, bonds, real estate, and cryptocurrencies.
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Which of the following best describes the wages of a sheet metal worker in a fabrication plant?
a. Product costs
b. Period costs
c. Non-manufacturing costs
d. Administrative costs
Which of the following best describes the wages of a sheet metal worker in a fabrication plant? Product costs. Period costs. Non-manufacturing costs
Is fab short for fabrication?
A semiconductor manufacturing plant, also known as a fab or foundry in the microelectronics sector, is a factory that produces electronics like integrated circuits. [1]For fabs to operate, numerous pricey gadgets are needed. Building a new fab is estimated to cost over $1 billion USD, with values as high as $3-4 billion not being unheard of. In its Fab15 300 mm wafer production facility in Taiwan, TSMC made an investment of $9.3 billion. [2] According to estimates from the same corporation, their upcoming fab might cost $20 billion.
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(100 POINTS!!!!!)
Find a hort new piece from a reputable newpaper ource, uch a the New York Time or the Wahington Pot. Rewrite the piece in your bet attempt at yellow journalim. Think tabloid torie crazy emotional content—really puh the envelope and have ome fun. Your rewritten article hould be about the ame length a the original and hould contain all of the ame detail, jut told from a different perpective. Submit both the original article and your rewrite a well a the anwer to thee quetion. Identify three example of language ue in your rewrite that you think reflect the yellow journalim tyle. What did you do to turn the original piece from traditional journalim into yellow journalim? Be pecific about your writing proce
Yellow journalism typically refers to sensationalistic or biassed news reports that newspapers promote as the unvarnished truth.
What should I listen to after Trojan horse?After The Trojan,S-Town, check out these 8 top investigative podcasts. Bellingcat, The Tip-Off, How It Happened, Where is George Gibney, A Very Fatal Murder, and The Walkers Switch are just a few of the thrilling, twisted, and highly characterful episodes of S-Town, the breakout hit that launched the investigative podcast genre for the following ten years.
With the release of The Trojan Horse Affair, the first podcast he co-produced with Brian Reed of Serial Productions for the New York Times, journalism student Hamza Syed was thrown into the media spotlight. Hamza will speak with us about the reaction to his series and the contentious subject of journalistic objectivity. The user needs launch a thorough anti-virus scanning computer scan in order to find it. This should be able to recognise every danger and let the user know what kind of virus they are using.
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What is the purpose of checks and balances and the separation of powers in the US government?
The purpose of check and balance and separation of powers in the US is to ensure that no one branch or person within the US government has excessive power, checks and balances and the separation of powers are in place.
What is the separation of powers?The concept of a system of checks and balances relates to the ways in which the various parts of government are able to restrict the separation of powers of the other branches. The separation of powers describes how the government is split into the legislative, executive, and judicial parts.The purpose of checks and balances and separation of powers in the US is to ensure that no one branch or person within the US government has excessive power, checks and balances and the separation of powers are in place.It also prohibits any one group from obtaining too much influence, which could result in misuse of authority, separation of powers, and a lack of accountability.To learn more about separation of powers from the given link
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Treat the three income streams (from year 1 onwards) as if they were bonds. Find the prices of the three bonds in each of the following cases: (i) all the bonds yield 5%, (ii) all yield 10%, (iii) all yield 15%. Which is the most expensive bond in each of these cases, and which is the cheapest
The yield on the 10-year note serves as an indicator of mortgage rates. It is said to be an indicator of how investors feel about the state of the economy.
Explain about the Mortgage rates?A mortgage is a loan used to pay for the upkeep of a home, piece of land, or other kinds of rental properties. The lender commits to repaying the loan over time, usually in a series of consistent instalments that are separated into principal and interest. Loans are safeguarded by the property.
There are six basic forms of mortgages in India: simple mortgages, usufructuary mortgages, English mortgages, mortgages based on conditional sales, mortgages deposited using title deeds, and anomalous mortgages.
Good interest rates on mortgages often start in the 5% to 6% level for 15-year fixed loans and the 5% to 6% region for 30-year fixed loans.
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If flash flooding forces a property owner out of a residence for six months, who has otherwise lived in the home for a year and half out of the last five years, is the owner still entitled to the capital gain exclusion on the sale of the property?
Equity in a property decreases as debt on the property is paid off by the owner. A real estate investment's market value may go down as well as up.
Flash flooding: what is it?a flood brought on by a lot of rain or severe rain in a short amount of time, usually less than six hours. Flash floods are typically characterized by violent streams that tear through riverbeds, city streets, or mountain gorges following intense rainfall, destroying everything in their path.
What is an example of a flash flood?Examples include the 1976 Big Thompson Canyon incident in Colorado, which resulted in 144 fatalities, and the 1996 incident near the Spanish Pyrenean town of Biescas, which resulted in 86 fatalities. Devastating flash floods are frequently caused by tropical cyclones' torrential rains.
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Sadiya, who owns a dance studio, consistently reminds her employees that dance lessons are a luxury for customers, so they should be both informative and fun. By making these statements, Sadiya is
Multiple Choice
telling a narrative based on true events, which emphasizes a particular value.
physically manifesting her organization’s core beliefs.
exhibiting the values and norms of the local community.
explicitly stating values and norms preferred by her organization.
Sadiya is explicitly stating values and norms preferred by her organization. A professional dancing studio will have a dance floor that has been especially designed.
A dancer's ankles and knees may experience shock while dancing on concrete, which could result in injury. A decent dance organization floor will be "sprung," or cushioned, on the bottom and will have a specific vinyl mat on top that is frequently referred to as "marley." For many, it's the availability of studio in various dance genres at any age or level. Others see it as having a welcoming environment where they can practise new skills, gain confidence, and have fun all at once. One of the most renowned dance schools in the world is the Juilliard School of Dance in New York, USA.
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What are the cost of insurance to the society?
The cost of insurance to society can be divided into two categories: direct costs and indirect costs.
Direct costs include the premiums paid by policyholders, as well as administrative costs such as underwriting and claims processing.
Indirect costs include the costs associated with fraud and moral hazards, as well as the opportunity cost of resources used to provide insurance.
Ultimately, the cost of insurance to society is an important consideration when determining the best way to protect people, businesses and organizations against potential risks and losses.
insurance can often be passed on to consumers or businesses in the form of higher prices or fees.
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Melissa, a marketing manager for an amusement park, has a goal of increasing sales for the month of October. Melissa needs to first spend time mapping out the necessary steps she and her team of sales representatives must take so that they can increase their sales numbers. Which managerial function is she performing
She is fulfilling the managerial duty of planning. If Melissa, a marketing manager for an amusement park, has a goal of increasing sales for the month of October.
What is the MIS on management information systems?Management Information Systems (MIS) is the study of how people, technology, processes, and data interact with information systems. A specific kind of information system that aids managerial level tactical decision-making is also referred to by this term. The MIS assists in the creation of information, communication, problem identification, and decision-making. Therefore, the MIS is crucial to the management, operation, and administration of an organisation.
Among the above, which best sums up management information systems (MIS)?Utilizing and managing information systems to assist firms in achieving their goals and objectives They aid managers in making standard decisions.
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could someone give me examples of recourses I need to make a race car video game.
for example sponsors or stuff like that where I can start basically and how to promote it.
Here are a few examples of resources you may need to make a race car video game:
Game development software: To create the game itself, you will need a game engine and other development tools. Some popular game engines include Unity and Unreal Engine. You may also need tools for creating 3D models, animations, and other game assets.
A team of developers: Depending on the scope and complexity of your game, you may need to assemble a team of programmers, artists, designers, and other specialists to help create the game. If you do not have experience with creating video games, you could look for people with the required skills, such as game developers, designers, and engineers to join your team.
Funding: Developing a game can be costly, and you may need to secure funding from investors, crowdfunding, or other sources. Look for angel investors or venture capitalist that are interested in game development to fund your project, or alternatively use a crowd funding platform like Kickstarter or GoFundMe to raise money.
Marketing and promotion: Once the game is complete, you'll need to promote it to potential players. You can consider reaching out to popular gaming influencers, or approach gaming communities and platforms to showcase your game. Additionally, you can use social media platforms to create buzz around your game and generate interest from potential players.
Sponsors: Finally, you can consider approaching companies and brands related to the racing or car industry for sponsorship deals. These deals could be used to help fund your project, and in return the sponsor's brand can be featured in the game.
Keep in mind that creating a video game is a complex process and it can take a significant amount of time and resources to develop. Also, it's important to have a clear plan, including a development schedule and budget, before you begin to ensure that you stay on track and your project is successful.
Hope This Helps You!
According to the Field book, in 2010, Hispanic workers made up ___ percent of the California labor force. Group of answer choices 44.9 33.5 5.3 16.3
The correct answer is 16.3 percent of the California labor force.
16.2% of the workforce in the United States is made up of Hispanic people, who represent a diverse range of socioeconomic origins. Mexican-born employees make up the vast majority of the Hispanic workforce (62.1%), by far (14.9 million). Latinos make up 13.6% of the working population nationwide. Current Population Survey, U.S. Department of Labor, Bureau of Labor Statistics Table 3. There are no comprehensive statistics by industry or occupation for 1915, although the decennial censuses provided data for 1910 and 1920. Less than 1% of persons who are now employed work in farm vocations, compared to 31% of "gainful employees" in 1910 and 27% in 1920. In table 2,
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In the video, Jason Oxman, CEO of Electronic Transaction Association, refers to the fact that some credit card car rental insurance programs do not cover particular types of cars and trucks. According to the text, this is referred to as a(n) _____ coverage. a exclusion form
According to the text, this is referred to as exclusion form coverage. The clause must be included as a term in the contract.
What is a good illustration of an exclusion clause?A term in a contract known as an exclusion clause aims to limit or exclude one party's liability. It might, for instance, state that one party will not be held liable if the contract is broken, or it might try to limit the kinds of remedies that can be used or the time they can be used.
What does an exclusion clause mean?A "clause in a contract or a term in a notice which appears to exclude or restrict a liability or a legal duty which would otherwise arise" is one definition of an exclusion clause (Yates, 1982, p. 1). Contracts today frequently include exclusion clauses, which can take a variety of forms.
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What is a market economy example?
A classic example of a market economy is the United States, where businesses and individuals freely buy and sell goods and services without government interference.
A market economy is an economic system in which goods and services are produced and exchanged in a free market based on supply and demand.
This means that prices are not set by the government, but instead are determined by what buyers and sellers are willing to pay.
A good example of a market economy is the United States, where the prices of goods and services are determined by the competition between buyers and sellers.
The government does not set prices, and businesses are free to produce whatever they are able to sell at a price that will attract buyers. This type of economy encourages innovation, as businesses are incentivized to create and market new products to meet consumer demand.
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A loss on disposal of a segment would be reported in the income statement as a(n) A)administrative expense B)other expense C)deduction from income from continuing operations D)selling expense
A loss on the sale of a section would be deducted from income from continuing operations and shown in the income statement.
A person, business, or other organization receives income when they receive money or value in exchange for a good or service they provided, as well as when they employ capital. P60s, P45s, or paystubs should all be inspected; earnings from employment before taxes and NI, as well as any compensation received while unable to work, are all considered income. prior to taxes and social security Please examine your Self Assessment tax return if you are self-employed. Earned income and unearned income are the two types of income. You can make money by actively working, such as when you are employed or run a business. Investments, retirement benefits, and passive income are typical examples of unearned income.
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While creating its AFI strategy framework, Valdez Consultants decided what markets the firm should compete in. By doing this, what type of strategy did the company devise
Valdez Consultants determined what areas the company should compete in while developing its AFI strategy framework. Corporate strategy entails determining where a corporation should compete, which covers industry, markets, and location.
What takes place in the AFI framework's analytical phase?According to the AFI strategic framework, strategic analysis mainly entails assessing how internal factors and core capabilities may affect a company's ability to establish and maintain a competitive advantage.
What constitutes the framework for AFI strategic planning's main elements?Analyze the firm's performance, external and internal analyses, and the strategic management process. Marketing strategy, management consulting, and global strategy should be formulated. Implement governance, business ethics, strategic leadership, and organization design.
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A good stock-based mutual fund should earn at least 10% per year over a long period of time. Consider the case of barney and lynn, who were overheard gloating (for all to hear) about how well they had done with their mutual fund investment. "we turned a $25,000 investment of money in 1982 into $100,000 in 2007. "
An annualized return of 8% to 10% over a period of 10 years or longer is considered to be "excellent" for equity mutual funds. 4% to 5% over the long term would be a good return for bond mutual funds.
What Is a Good Annual Return for a Mutual Fund?The answer will depend on a few key elements in order to determine what a good annual return for a mutual fund is. The kind of fund and the length of time (horizon) over which you plan to invest are two examples of these variables.For instance, a stock mutual fund is anticipated to have a decent yearly return that is significantly larger than a bond fund.The type of fund and the investment's time horizon are two variables that affect a mutual fund's "excellent" yearly return.Your comprehension of a fund's performance will improve if you are aware of the distinction between "annual return" and "annualized return".Learn the difference between "return on investment" and "return of investment," too.To Learn more About bond mutual funds Refer To:
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Which of the following motivators is the most basic need in Maslow's hierarchy? A. Safety B. Belonging C. Physiological D. Esteem E. Self-actualization
The most basic need in Maslow's hierarchy is Physiological needs. Option C is the correct answer.
In Maslow's hierarchy, physiological requirements are the most fundamental. For physical survival, people require certain necessities. Air, food, water, clothing, warmth, sleep, and health are a few examples.
Your body cannot operate normally if you don't meet these demands. Because you can't meet the other requirements until your physiological ones are met, they are regarded as being the most important. At this level, a person's natural will to survive serves as their motivator.
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Karen and Anika must identify the fixed costs of running Assist You 2. Those costs could include all of the following except
Karen and Anika must determine the Assist You 2 fixed costs. All of the above expenses, with the exception of new customer meetings, may be incurred.
How do client meetings work?Meetings with clients provide you the chance to develop or rebuild confidence and trust with leads, prospects, and current clients. You can make sure your customer meeting runs smoothly and successfully by comprehending the goal of the gathering, conducting sound logistical planning, thorough research, preparation, and planning, and being well-prepared. In this article, we'll go over how to organize and conduct a client meeting, along with some templates you may utilize.
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The sales director at WebMD is calculating annual sales revenue targets and the number of new medical-related content providers that the firm needs to maintain a competitive advantage. In which step of the strategic management process is the sales director involved
Selecting particular tactics or courses of action. The sales director incorporates specific tactics into strategic objectives, such as sales revenue targets, such as preserving a competitive advantage.
The definition of revenue.The total income derived from the sale of products or services pertaining to a business's core operations is referred to as revenue. Because it appears at the top of an income statement, revenue, which is also known as net receipts, is frequently alluded by the "top line." A company's overall earnings.
What does, for instance, revenue mean?Every penny of money the company has made is referred to as revenue. Typically, income and profit include additional aspects of a business. Incorporate costs like price of goods sold, operational costs, taxes, and interest expenditures, for instance, into net income.
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Brand names such as Tide, Surf, Biz, and Wisk are effective names because they
a. are generic terms for detergent.
b. blend with competing brand names.
c. indicate the products' uses.
d. suggest special characteristics and benefits of the product.
e. are easy for customers to say, spell, and recall.
Brand names such as Tide, Surf, Biz, and Wisk are effective names because they: are easy for customers to say, spell, and recall. So the correct option is: E
Be that as it may, how significant is brand naming? Indeed, we need to recall that the best brand names are made from only a modest bunch of letters. What's more, probably the best organizations and items don't put as much suspected into theirs as you'd naturally suspect.
These days, you could see brands that have the most strange name possible. But, those brands actually have figured out how to turn out to find success. For what reason do you believe that is?
This is on the grounds that those names address the organization's characteristics and values very well. It doesn't exactly make any difference that they sound peculiar, for however long they are not difficult to spell, appealing, and extraordinary portrayals of what you're attempting to achieve.
Furthermore, to make your achievement, you really want to truly dig into what a brand name truly is.
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Strauch Co. has one class of common stock outstanding and no other securities that are potentially convertible into common stock. During Year 2, 100,000 shares of common stock were outstanding. In Year 3, two distributions of additional common shares occurred: On April 1, 20,000 shares of treasury stock were sold, and on July 1, a 2-for-1 stock split was issued. Net income was $410,000 in Year 3 and $350,000 in Year 2. What amounts should Strauch report as basic earnings per share in its Year 3 and Year 2 comparative income statements
Weighted average shares, Year 2= 100,000(2) = 200,000.
EPS, Year 1 = $350,000/200,000 = $1.75.
Weighted average shares, Year 3 = [100,000 + 20,000(9/12)]2 = 230,000
EPS, Year 2 = $410,000/230,000 = $1.78.
The total number of shares held by investors and corporate executives is known as the common stock outstanding of a firm. This number is significant because it is used to convert a company's total performance.
The per-share measures can make an examination of a stock's market price at a particular period simpler. Subtracting the shares bought back from the overall shares issued thus far yields the number of shares outstanding.
The quantity of shares of common stock that a corporation has issued to shareholders and top executives is referred to as shares outstanding. Numerous widely used financial indicators, including market capitalization and earnings per share (EPS).
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What are the 4 types of income?
1. Earned income is income that is received as a direct result of providing a service or selling a product. This includes wages, salaries, tips, commissions and bonuses.
2. Investment income is income earned from investments such as stocks, bonds, mutual funds and other investments.
3. Passive income is income earned with little or no effort on the part of the individual. Examples of passive income include dividends from stocks, rental income from real estate, and interest from savings accounts.
4. Portfolio income is income generated from a variety of sources, including investments, stocks, real estate, etc. This type of income is often referred to as "total income" because it is often generated from multiple sources. To ensure stable portfolio income, it is important to diversify investments.
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Which of these factors would be considered when making a location decision at the site level?
a. government rules, attitudes, stability, incentives
b. cultural and economic issues
c. zoning regulations
d. cost and availability of utilities
e. proximity to raw materials and customers
When making a regional/community-level location decision, the factor of proximity to raw materials and customers would be considered. Also called location factors.
Why is proximity to raw materials and customers taken into account?The availability of raw materials and potential customers in the region is the most important factor to consider when selecting a suitable location for a manufacturing business.
A manufacturing business can only be run affordably if the raw materials needed for production are available close to the industry's location and the potential customers of the product being manufactured live nearby.
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company is discussing how it can be more socially responsible. What is the best way to describe what social responsibility entails
Corporate social obligation (CSR) is a self-policing business model that enables an organization to be responsible to the society to itself. Socially responsible businesses strengthen their brands top talent as customers.
What is the most effective way for a company to demonstrate corporate social responsibility?A company can implement CSR in a number of ways, including by being environmentally conscious and responsible, supporting equity and equality, encouraging inclusiveness inside the workforce, handling employees with respect, donating to the community and ensuring business decisions are moral.
What does corporate social responsibility (CSR) mean and how important is it?CSR suggests that your firm cares concerning broader societal issues in addition to those that affect the company profitability, which will attract customers who share your viewpoints. Therefore, it makes sense to do business sustainably.
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Synovec Corporation is expected to pay the following dividends over the next four years: $6.50, $17.50, $22.50, and $4.30. Afterward, the company pledges to maintain a constant 5 percent growth rate in dividends forever. If the required return on the stock is 10 percent, what is the current share price
The current share price is $101.89 with dividends over the next four years as $6.50, $17.50, $22.50, and $4.30 respectively and return on the stock being 10 percent.
How are dividends paid out?Dividends are paid in the following manner :
A corporation makes money.The company's board of directors approves a strategy to distribute those profits as a dividend. Per share of stock, a dividend is given. American businesses typically distribute dividends every quarter, month, or two years.The corporation discloses the dividend's amount, ex-dividend date, and payment date. To be eligible to receive a dividend payment (the "date of record"), an investor's stock must have been purchased at least two days prior to that date.Shareholders receive the dividend from the business.Investors must own the shares by the ex-dividend date in order to receive the dividend, therefore this date is crucial. The dividend will not be paid to shareholders who buy the stock after the ex-dividend date. Due to their ownership of the shares on the ex-dividend date, investors who sell their stock after that date are still eligible to collect the dividend.
To solve the question :
Value after year 4 = (D4 × Growth rate) / (Required rate - Growth rate)
=(4.30 × 1.05) / (0.10 - 0.05)
=$90.3 (Approx).
Hence current price = Future dividend and value × Present value of discounting factor (rate%, time period)
= (6.5 / 1.10 ) + (17.5 / 1.10 )^2 + (22.5 / 1.10)^3 + (4.3 / 1.10)^4 + (90.3 / 1.10)^4 = 101.8895567
Hence, the current share price is $101.89 ( rounding off to 2 decimal places)
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Yaris is working on a budget breakdown for a bathroom remodel. The total project budget is $2,000. What might his subsections be
The subsections may be Paint $300, New Tile: $1,000, Installation: $500, and Designer Fee: $200.
Renovating a structure means putting it in better shape. Without changing the original design, this entails replacing and upgrading current components to meet the necessary standards.
Any interior home renovation falls under the broad category of "home remodeling." Few people are aware that there are three different types of remodeling: full-scale, pull-and-replace, and facelift. The variety of interior modifications or replacements that each involves set it apart from the others.
There are four different categories of renovation work: fundamentals, curb appeal, best value for money, and passion projects. They don't all offer a great return on investment.
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What are 3 ways to improve your health?
path to better health healthy eating Your health is intimately related to what you consume, Get frequent exercise, and if you're overweight, lose weight.
Health is "a state of whole physical, mental, and social well-being and not only the absence of sickness or infirmity," according to the World Health Organization. Over time, several definitions have been employed for various objectives. While risky behaviors, like smoking or being under a lot of stress, should be reduced or avoided, healthy activities, like getting enough sleep and exercising regularly, can be promoted. Others are the result of structural factors, such as the way society is built up and how easy or difficult it is for individuals to get vital healthcare services. Some factors that affect health are brought on by human choices, such as whether or not to acquire a harmful habit. There are, additional variables than personal ones.
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