a. interest and principal paid in the first month is 226.08 and 605.79
interest and principal paid in the second month are 224.59 and 607.28
interest and principal paid in the first year are 2712.96 and 7273.48
b. The total interest paid in the fourth year is $1812.58 and the total principal paid is $8174.86.
a. To answer this question, we will need to use the amortization formula:
Monthly payment = (P * r) / (1 - (1 + r)^(-n))
Where P is the principal amount, r is the monthly interest rate, and n is the number of monthly payments.
Monthly payment = (43000 * 0.063/12) / (1 - (1 + 0.063/12)^(-5*12)) = 831.87
To find the interest and principal paid in the first month, we will use the following formulas:
Interest = P * r
Principal = Monthly Payment - Interest
For the first month:
Interest = 43000 * 0.063/12 = 226.08
Principal = 831.87 - 226.08 = 605.79
For the second month:
Interest = (43000 - 605.79) * 0.063/12 = 224.59
Principal = 831.87 - 224.59 = 607.28
For the first year:
Interest = (43000 * 0.063/12) * 12 = 2712.96
Principal = (831.87 * 12) - 2712.96 = 7273.48
b. To find the interest and principal paid in the fourth year, we will first need to find the loan balance at the end of the third year:
Loan balance = 43000 - (605.79 + 607.28 + ... + 7273.48) = 28752.05
Then we will use the same formulas as before to find the interest and principal paid in the fourth year:
Interest = (28752.05 * 0.063/12) * 12 = 1812.58
Principal = (831.87 * 12) - 1812.58 = 8174.86
So the total interest paid in the fourth year is $1812.58 and the total principal paid is $8174.86.
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1.12. A trader writes a December put option with a strike
price of $30. The price of the option is $4. Under what
circumstances does the trader make a gain
The trader makes a gain on a December put option with a strike price of $30 and a price of $4 if the price of the underlying asset stays above $30 until the expiration date or falls below $30 but stays above $26 before the expiration date.
A trader makes a gain on a December put option with a strike price of $30 and a price of $4 under the following circumstances:
1. The price of the underlying asset falls below $30 before the expiration date of the option. This allows the trader to buy the asset at a lower price and then sell it at the higher strike price, making a profit.
2. The price of the underlying asset stays above $30 until the expiration date of the option. In this case, the option expires worthless and the trader keeps the $4 premium they received for writing the option.
In both of these scenarios, the trader makes a gain on the option. However, if the price of the underlying asset falls below $26 before the expiration date, the trader will start to experience a loss, as they will have to buy the asset at the higher strike price and sell it at a lower price.
In summary, the trader makes a gain on a December put option with a strike price of $30 and a price of $4 if the price of the underlying asset stays above $30 until the expiration date or falls below $30 but stays above $26 before the expiration date.
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Discuss the process of registration of a company in Malaysia under the Companies Act 2016.
(20 Marks)
NOTE: the answer should be in detail
The process of registration of a company in Malaysia under the Companies Act 2016 involves several steps. Such as:
1. Pre-Incorporation
2. Issuing the Certificate of Incorporation
3. Commencing Business Operations
4. Filing Annual Returns
5. Registration of Charges
These steps are as follows:
1. Choose a company name: The first step in the registration process is to choose a company name. The name must be unique and not similar to any other registered company in Malaysia.
2. Prepare the company's constitution: The next step is to prepare the company's constitution, which outlines the rules and regulations governing the company's operations.
3. Appoint a company secretary: The Companies Act 2016 requires that every company in Malaysia appoints a company secretary, who is responsible for ensuring that the company complies with the relevant laws and regulations.
4. Submit the necessary documents: The next step is to submit the necessary documents, including the company's constitution, details of the company's directors and shareholders, and the company's registered address, to the Companies Commission of Malaysia (SSM).
5. Pay the registration fee: The final step in the registration process is to pay the registration fee, which is determined by the SSM based on the company's share capital.
Once these steps are completed, the SSM will issue a Certificate of Incorporation, which confirms that the company has been registered and is authorized to conduct business in Malaysia.
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Kathryn Minshew
CEO and co-founder of The MuseMinshew’s toughest ethical decision involved firing a company they had signed on to do business with. "They'd already paid us for the Muse recruiting product, but we're treating our team so badly during onboarding that it just didn't feel like how I wanted to do business," recalls Minshew. "To make it worse, they were really nice to me. It was just the junior staff they treated poorly." To make matters worse, The Muse was just getting started at the time and was really in need of revenue. Still, it felt wrong to work with a company that behaved so poorly, says Minshew. She adds: "In the end, I gave them a warning, and then when it continued, told them nicely that
it didn't make sense to work together anymore and refunded the unused balance of their money. They tried to argue, but at that point, my mind was made up. I didn't realize how relieved my team was—and how much they appreciated it—until after it was all done." The lesson: "I think back your team in situations like that is really important, but it's not always easy. Especially when you're early stage."Identify
- The Ethical Issue the leader faced
- Identify 2 negative outcomes of the Ethical Dilemma Analyse and provide your opinion.As a leader, what would you do differently to solve the dilemma?
Answer:
Ethical issue: firing a company they had signed on to do business with and taken money from, that was treating junior staff poorly.
Explanation:
2 Negative outcomes:
They were a new company that needed the money that they had to refund for firing the company.
Now they are required to start the process over again with a new company.
Honestly, I agree with the decision that was made. It did make things more difficult, but I believe that integrity is more important than easy money. A warning was already given, so ultimately, even though the company was nice to upper staff, they didn't really respect them.
The ethical issue that Kathryn Minshew faced was whether to continue doing business with a company that treated their junior staff poorly, despite the fact that they had already paid for The Muse's recruiting product and The Muse was in need of revenue.
Two negative outcomes of this ethical dilemma were the potential loss of revenue for The Muse and the potential damage to The Muse's reputation if they continued to work with a company that treated their employees poorly.
In my opinion, Minshew made the right decision in choosing to stand by her values and prioritizing the well-being of her team over the potential financial gain. This not only showed her team that she valued and supported them, but also upheld the integrity and reputation of The Muse.
If I were in Minshew's position, I would have handled the situation similarly. However, I may have tried to have a conversation with the company about their treatment of junior staff before making the decision to end the business relationship. This could potentially lead to the company improving their behavior and maintaining the business relationship, while also upholding ethical standards.
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C. What type of Communication Tools such as ATL, BTL, or TTL can
be best applied by IDLC Finance Limited for better communication
and promotion of their service offerings?
It is important for IDLC Finance Limited to choose the most effective Communication Tools to promote their service offerings. There are three main types of Communication Tools: Above The Line (ATL), Below The Line (BTL), and Through The Line (TTL).
ATL Communication Tools are mass media channels such as television, radio, and newspapers. These are best used for reaching a large audience and creating brand awareness.
BTL Communication Tools are more targeted and include things like direct mail, email marketing, and trade shows. These are best used for reaching a specific audience and promoting specific products or services.
TTL Communication Tools are a combination of both ATL and BTL, and are used to reach a wider audience while also targeting specific groups.
In the case of IDLC Finance Limited, it may be best to use a combination of ATL and BTL Communication Tools. ATL can be used to create brand awareness and reach a large audience, while BTL can be used to target specific groups and promote specific service offerings.
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→ A Moving to another question will save this response Question 1 of 14 hostion 1 3 points Fatma is your boss at a new Law firm in Dammam. She is traditional in het management stylo, and unhappy with the performance of the junior lawyers. Explain four (4) HR practices to her, that could support high-performance work systems. Save Ans 11! >> A I For the toolbar, pross ALT-F10 (PC) or ALT+FN+F 10 (Mac) BI V S Paragraph Arial topt б Q = 3 X X X TT BE. A B E 13 TTTT ✓ 79 2 V <> |
Four human resource (HR) practices that could support high-performance work systems include performance based rewards, training and development, participative decision making, and flexible work arrangement.
High-performance work systems (HPWS) are a set of human resource (HR) practices that promote employee involvement, skill development, and motivation, leading to improved organizational performance. Four HR practices that could support HPWS in a law firm are performance based rewards, training and development, participative decision making, and flexible work arrangement.
Performance-based rewards is one way to improve the performance of junior lawyers is to provide them with incentives for meeting or exceeding performance goals. This could include bonuses, promotions, or other forms of recognition. Training and development is another important HR practice is to provide employees with opportunities for training and development. This could include mentoring programs, continuing legal education courses, or other forms of professional development.Participative decision making allows employees to participate in decision making which can increase their commitment to the organization and their motivation to perform well. This could include involving junior lawyers in strategy development, client meetings, or other important decisions. Flexible work arrangements, such as telecommuting or flexible work hours, can help employees achieve a better work-life balance and reduce stress, leading to improved performance.By implementing these HR practices, Fatma can support high-performance work systems and improve the performance of the junior lawyers at her law firm.
Note: The question is incomplete. The complete question probably is: Fatma is your boss at a new Law firm in Dammam. She is traditional in her management style, and unhappy with the performance of the junior lawyers. Explain four (4) HR practices to her, that could support high-performance work systems.
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I think saving money is hard. It’s important to sometimes buy
something nice for yourself. Do you agree? What do you
buy
It is important to find a balance between saving money and spending money on things that make you happy.
Saving money is important for things like emergencies, retirement, and other long-term goals, it is also important to take care of yourself and occasionally buy something for yourself. However, it is important to be mindful of your spending and make sure that you are not spending more than you can afford. A good way to do this is to create a budget and stick to it, while also setting aside some money for occasional treats. This will help you find a balance between saving money and enjoying your life.
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Question 6 (1 point) What actions could I take prior to the sale of an apartment building that might result in a higher selling price? (MARK ALL THOSE THAT APPLY)
A. Renegotiate maintenance contracts for a better price.
B. Put the resolution of any legal problems on hold.
C. Repair the lobby entrance, replacing broken floor tiles.
D. Renegotiate leases, escalating the rents
The coorect Options A,C,D.The actions that you could take prior to the sale of an apartment building that might result in a higher selling price are:
A. Renegotiate maintenance contracts for a better price.
C. Repair the lobby entrance, replacing broken floor tiles.
D. Renegotiate leases, escalating the rents.
These actions can improve the appearance and profitability of the building, making it more attractive to potential buyers and increasing its value. However, putting the resolution of any legal problems on hold (option B) is not a good idea, as it can create uncertainty and potential liability for the buyer, which can negatively affect the selling price.Thus the correct options are A,C,D.
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How are investment earnings/ income taxed in Canada?
Interest income:
Dividend income:
Capital gains:
Foreign non-business income:
Return on capital:
Fees and other charges incurred for investment (
Investment earnings or income are taxed differently in Canada depending on the type of investment income. The following are the different types of investment income and how they are taxed in Canada:
1. Interest income: Interest income is taxed at the individual's marginal tax rate. This means that the amount of tax you pay on your interest income depends on your income level and tax bracket.
2. Dividend income: Dividend income is taxed at a lower rate than interest income. This is because dividends are paid out of a corporation's after-tax income, so they are subject to a dividend tax credit to prevent double taxation.
3. Capital gains: Capital gains are taxed at a lower rate than interest income and dividend income. Only 50% of capital gains are subject to tax, and the tax is applied at the individual's marginal tax rate.
4. Foreign non-business income: Foreign non-business income is taxed at the individual's marginal tax rate. However, if you have paid foreign taxes on this income, you may be eligible for a foreign tax credit to prevent double taxation.
5. Return on capital: Return on capital is not subject to tax because it is a return of your original investment, not income.
6. Fees and other charges incurred for investment: Fees and other charges incurred for investment are generally tax-deductible. This means that you can claim these expenses on your tax return and reduce your taxable income.
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Explain if you feel that social media/games can raise learning
engagement. Why or why not?100-200 words.
Social media and games can be effective tools to increase learning engagement. Games can help students learn by providing them with an interactive, fun, and engaging way to learn.
They can also help to motivate and keep students engaged in the learning process, as well as provide an outlet to practice their skills and measure their progress.
Social media can also be a useful tool to increase learning engagement, by providing students with a platform to collaborate and share ideas with each other, as well as providing access to educational materials and resources.
However, there are some drawbacks to using social media and games to raise learning engagement. For example, there is potential for students to become addicted to these activities, as well as for these activities to become a distraction.
In conclusion, social media and games can be effective tools to increase learning engagement, but should be used with caution to ensure that students are not exposed to inaccurate or harmful information.
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Critical ThinkingPlease read Case 4: "The Swatch Group and Cultural Uniqueness" available in your e-book (International business: Competing in the global marketplace (13th ed.), at page no.630, and answer the following questions:Assignment Question(s):With the Hayek family controlling nearly 40 percent of The Swatch Group, how do you think the family’s influence impacts the corporate culture in the company? What about the company’s international culture being impacted by the Hayek family? Explain. (Mark:2)Many of the Swatch brands have become cultural icons among a strong core following of customers in the global marketplace. Some even talk about the "Swatch Revolution" that began when Nicolas Hayek founded the company. Why do you think Swatch has such a strong cultural following? Give logic in support of your answer. (Mark:2)As mentioned, Swatch wants you to create your own unique way of accessorizing through its Swatch watch. Is a watch a way to show who a person is culturally? Does a watch get embedded into a person’s culture? Can a watch create a cultural image? Discuss. (Mark:6)
The Hayek family's influence on The Swatch Group's corporate culture is significant, as they control nearly 40 percent of the company. This means that the family has a strong say in the company's direction and decision making.
As a result, the company's corporate culture is likely to reflect the values and beliefs of the Hayek family. This can also impact the company's international culture, as the Hayek family's values and beliefs may be reflected in the company's interactions with international partners and customers.
Swatch has a strong cultural following due to its unique and innovative approach to watchmaking. The company has created a "Swatch Revolution" by offering watches that are not only functional but also fashionable and customizable. This has allowed customers to express their individuality and personal style through their Swatch watches, creating a strong connection with the brand.
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1. List three categories of workplace hazards that must be identified when undertaking workplace hazard identifications.2. List five acceptable ways in which workplace hazard identification might occur.3. List three acceptable practices inherent in workplace risk assessment.4. List the six classifications of risk controls provided for in the ‘Hierarchy of Risk Controls’.5. List five requirements organisations need to comply with in relation to WHS record keeping.6. List three requirements organisations need to comply with in relation to acceptable record keeping mechanisms.7. Explain the requirement an employer is under to provide workplace WHS training to employees.8. Describe three employee responsibilities in relation to participating in established WHS practices and training.
1. The three workplace hazards are physical hazards, biological hazards, and chemical hazards.
2. It includes risk assessments, environmental hazards etc.
3. They are conducting, assessing and developing.
4. It includes elimination, substitution, engineering controls, etc.
5. It complies keep record, ensure accuracy etc.
6. Organisations complies keep records digitally and securely, store records on a secure server etc.
7. They may encounter in the workplace and learn how to mitigate and control these hazards.
8. It includes WHS instructions, reporting any potential hazards etc
1. Categories of workplace hazards that must be identified when undertaking workplace hazard identifications include physical hazards, biological hazards, and chemical hazards.
2. Acceptable ways in which workplace hazard identification might occur include conducting risk assessments, reviewing hazardous chemicals registers, and identifying potential environmental hazards.
3. Acceptable practices inherent in workplace risk assessment include conducting hazard identification, assessing the level of risk posed by the hazard, and developing controls to reduce or eliminate the identified risk.
4. The six classifications of risk controls provided for in the ‘Hierarchy of Risk Controls’ are elimination, substitution, engineering controls, administrative controls, warning devices, and personal protective equipment.
5. Organisations need to comply with the following requirements in relation to WHS record keeping: keep records for seven years, ensure accuracy of the records, ensure that records are available to appropriate personnel, keep records of risk assessments, keep records of hazardous chemicals, and ensure records are up to date.
6. Organisations need to comply with the following requirements in relation to acceptable record keeping mechanisms: keep records digitally and securely, store records on a secure server, back up records regularly, and ensure records are accessible to appropriate personnel.
7. Employers are required to provide workplace WHS training to employees so they can understand the potential hazards they may encounter in the workplace and learn how to mitigate and control these hazards.
8. Employee responsibilities in relation to participating in established WHS practices and training include following WHS instructions, reporting any potential hazards, and utilizing the appropriate safety equipment.
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5.There were three types of loans discussed under the topic
discounted cash flows. Identify these three types of loans and give
a brief explanation and an example of each
The three types of loans discussed under the topic of discounted cash flows are installment loans, balloon loans, and revolving loans.
An installment loan is a loan in which payments are made over a period of time in regular installments, with a fixed number of payments. Examples include car loans and mortgages.
A balloon loan is a loan that has a large payment due at the end of the loan. It usually has smaller payments due throughout the loan period, with the large payment made at the end to pay off the remaining balance. An example of a balloon loan is a loan for a hot air balloon ride.
A revolving loan is a loan that has a credit limit that can be used and replenished repeatedly, with payments varying according to the balance. Credit cards are an example of a revolving loan.
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1. What are the basic benefits and purposes of developing pro forma statements and a cash budget? What are the pitfalls in the process? How do you think you could avoid these pitfalls? 2. What effect will disinflation following a highly inflationary period have on the reported income of the firm? Why might disinflation prove to be favorable to financial assets? What's going on today that might create a spectre of worry for the firm regarding inflation or disinflation?
The basic benefits and purposes of pro forma statements and cash budget are to predict forecast and to manage cash flow. The situation disinflation following a highly inflationary can have positive effect on reduced the cost of goods and services.
For the first question,
Pro forma statements allow companies to anticipate future revenues and expenses, and to make informed decisions about business operations.
A cash budget helps companies to plan for and manage cash inflows and outflows, ensuring that they have enough cash on hand to meet their obligations.
However, there are also pitfalls in the process, including unrealistic assumptions and unforeseen events that can affect financial performance. To avoid these pitfalls, companies should be conservative in their estimates, regularly review and update their assumptions, and have contingency plans in place in case of unexpected events.
For the second question,
Disinflation following a highly inflationary period can have a positive effect on the reported income of a firm because it reduces the cost of goods and services, which can increase profit margins. Disinflation can also be favorable to financial assets because it reduces the risk of inflation eroding the value of investments.
However, there is also a spectre of worry for the firm regarding inflation or disinflation because it can be difficult to predict and manage. Companies need to closely monitor economic conditions and be prepared for changes in inflation or disinflation that could affect their financial performance.
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If the spot price is 86.5BDT/US$ and the 3 months European put option exercise price is 87.75BDT/US$. If our interest rate is 9% and U.S. interest rate is 3% and given the volatility σ is 18.1%, what should be the price of this European put option?
If the spot price is 86.5BDT/US$ and the 3 months European put option exercise price is 87.75BDT/US$. If our interest rate is 9% and U.S. interest rate is 3% and given the volatility σ is 18.1%, the price of this European put option is 3.3768.
The price of the 3 month European put option with spot price of 86.5BDT/US$, exercise price of 87.75BDT/US$, and volatility σ of 18.1% is calculated as follows:
Price = N(-d1) * X * e(-rT) - N(-d2) * S * e(-qT)
Where:
d1 = (ln(S/X) + (r - q + (σ2/2))*T) / (σ * √T)
d2 = d1 - σ * √T
S = Spot Price
X = Exercise Price
r = Domestic Interest Rate
q = Foreign Interest Rate
σ = Volatility
T = Time to Expiry
N(x) = Cumulative Normal Distribution Function
In this case, we have:
S = 86.5BDT/US$
X = 87.75BDT/US$
r = 9%
q = 3%
σ = 18.1%
T = 3 months
N(d1) = 0.3890
N(d2) = 0.3321
Therefore, the price of the European put option is:
Price = 0.3890 * 87.75 * e(-0.09*3) - 0.3321 * 86.5 * e(-0.03*3)
Price = 3.3768
Therefore, the price of the 3 month European put option with spot price of 86.5BDT/US$, exercise price of 87.75BDT/US$, and volatility σ of 18.1% is 3.3768.
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Please discuss how case managers, probation officers, and parole officers build case plans for offenders. What should be included in these case plans?
Answer:
Case managers, probation officers, and parole officers are responsible for developing case plans for offenders to help them successfully reintegrate into society and reduce their risk of reoffending. These case plans typically include several key elements:
1. Assessment: Case managers begin by conducting a thorough assessment of the offender's needs and risks, which may involve reviewing the offender's criminal history, interviewing the offender, and consulting with other professionals such as mental health providers or substance abuse counselors.
2. Goals: Based on the assessment, the case manager establishes specific, measurable, achievable, relevant, and time-bound (SMART) goals for the offender. These goals might include finding stable employment, attending drug or alcohol treatment, or completing educational programs.
3. Strategies: The case manager identifies strategies for achieving these goals, such as connecting the offender with job training programs, arranging for counseling or therapy sessions, or providing transportation to appointments.
4. Services: The case manager also identifies specific services that the offender will need to access in order to achieve their goals, such as vocational rehabilitation services, housing assistance, or medical care.
5. Accountability: The case plan should include clear expectations and consequences for the offender's compliance with the plan. This may include regular check-ins with the case manager, drug testing, or attendance at support groups or treatment sessions.
6. Review: The case plan should be regularly reviewed and updated as needed to ensure that the offender is making progress towards their goals and that any emerging issues are addressed in a timely manner.
In developing these case plans, case managers, probation officers, and parole officers must take into account the unique circumstances and needs of each offender, as well as any community resources that may be available to support their successful reentry. The ultimate goal of these plans is to help offenders make positive changes in their lives and become productive, law-abiding members of society.
Explanation:
The client and intermediary who married each other
Reg Cray was a gangster who hired an accountant, Debra Crook, to advise him on the best money-laundering schemes. Such schemes are illegal and both Cray and Crook knew it. Cray was very happy with Crook’s advice for many years. One year, a rival gangster tipped off the police about Cray’s money-laundering and both Reg and Debra were found guilty and jailed. Reg continued to believe Debra’s advice was excellent. In fact, they got married in jail.
Reality: "Aussie wealth firm Koda apologises for pushing Russian stocks" by Aleks Vickovich Australian Financial Review Feb 28, 2022
"High-profile wealth management firm Koda Capital has apologised for urging clients to take advantage of the crisis in Ukraine after it described Russian stocks as "very cheap".
The private wealth firm, which advises some of Australia’s richest individuals, on Monday responded to community backlash over its recommendation that clients increase their exposure to managed funds invested in Russian companies.
"Our overarching view is that Russian stocks have become disproportionately oversold, and that Russia is well-placed to cope with current and likely future sanctions," wrote Koda’s investment team in an email sent on Friday, after the start of Russia’s invasion of Ukraine.
"Geopolitical events tend to be short-lived … Russian stocks are very cheap on any metric and offer a 20 per cent-plus dividend yield.’
Question: Assume Koda’s analysis is correct. In providing its advice to its clients, Koda Capital displayed the attributes of a:
Parasite Pet Partner Predator
Koda Capital displayed the attributes of a Partner. A partner is someone who works with another person or organization to achieve a common goal. In this case, Koda Capital is working with its clients to help them achieve their financial goals by providing advice on where to invest their money.
Koda Capital's analysis suggests that Russian stocks are currently undervalued and offer a high dividend yield, which could potentially provide a good return for their clients. By providing this advice, Koda Capital is acting as a partner to its clients and helping them make informed investment decisions.
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describe the manner in which an incentive contract can be
structured to split the Euro-denominated wealth created from year 2
operations, 20% to the executive and 80% to the shareholders.
An incentive contract can be structured to split the Euro-denominated wealth created from year 2 operations, 20% to the executive and 80% to the shareholders in the following manner:
1. Determine the total amount of Euro-denominated wealth created from year 2 operations. This will be the baseline amount that will be split between the executive and the shareholders.
2. Calculate 20% of the total amount of Euro-denominated wealth created from year 2 operations. This will be the portion of the wealth that will be allocated to the executive.
3. Calculate 80% of the total amount of Euro-denominated wealth created from year 2 operations. This will be the portion of the wealth that will be allocated to the shareholders.
4. Include these calculations in the incentive contract and specify that the executive will receive 20% of the Euro-denominated wealth created from year 2 operations and the shareholders will receive 80% of the Euro-denominated wealth created from year 2 operations.
5. Include provisions in the contract that specify how the wealth will be distributed to the executive and the shareholders, such as through cash payments or stock options.
By structuring the incentive contract in this manner, the executive and the shareholders will each receive a portion of the Euro-denominated wealth created from year 2 operations, with the executive receiving 20% and the shareholders receiving 80%.
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Your friend tells you he has a very simple trick for taking one-third of the time it takes to repay your mortgage: Use your Christmas bonus to make an extra payment on January 1 of each year (that is, pay your monthly payment due on that day twice). Assume that the mortgage has an original term of 30 years and has an APR of 12 %
a. If you take out your mortgage on January 1 (so that your first payment is due on February 1), and you make your first extra payment at the end of the first year, in what year will you finish repaying your mortgage?
b. If you take out your mortgage on July 1 (so that the first payment is on August 1), and you make the extra payment each January, in how many months will you pay off your mortgage?
c. How will the amount of time it takes to pay off the loan given this strategy vary with the interest rate on the loan?
a. If you take out your mortgage on January 1 and make your first extra payment at the end of the first year, you will finish repaying your mortgage in year 20. This is because making an extra payment each year effectively reduces the term of the mortgage by 10 years.
b. If you take out your mortgage on July 1 and make the extra payment each January, you will pay off your mortgage in 240 months, or 20 years. This is because making an extra payment each year effectively reduces the term of the mortgage by 10 years, just like in the previous example.
c. The amount of time it takes to pay off the loan given this strategy, will vary with the interest rate on the loan. The higher the interest rate, the more time it will take to pay off the loan, even with the extra payments.
This is because the extra payments will be applied to the principal balance, which will reduce the amount of interest that accrues over time. However, if the interest rate is higher, the amount of interest that accrues will also be higher, meaning that it will take longer to pay off the loan.
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7. We invest $74,381 in a start-up company. We know that the value of the company will increase 12% per year. How much will our investment be worth in 14 years?
8. You know that your parents are going to give you $50,000 on your graduation day in 4 years. If the annual interest rate is 7%, how much do your parents need to have in their bank account today to be able to make it?
Explanation:
To calculate the future value of the investment after 14 years, we can use the formula:
Future Value = Present Value x (1 + Interest Rate)^Time
where the Present Value is $74,381, the Interest Rate is 12%, and the Time is 14 years. Plugging in these values, we get:
Future Value = $74,381 x (1 + 0.12)^14 Future Value = $74,381 x 4.523 Future Value = $336,113.08
Therefore, our investment will be worth $336,113.08 in 14 years.
To calculate how much money the parents need to have today, we can use the formula for present value of a future sum:
Present Value = Future Value / (1 + Interest Rate)^Time
where the Future Value is $50,000, the Interest Rate is 7%, and the Time is 4 years. Plugging in these values, we get:
Present Value = $50,000 / (1 + 0.07)^4 Present Value = $38,161.82
Therefore, the parents need to have $38,161.82 in their bank account today to be able to give their child $50,000 on graduation day in 4 years, assuming an annual interest rate of 7%.
The investment will be worth $289,625.54 in 14 years and our parents need to have 38,148.44 in their bank account today to be able to make it.
7. To find the value of the investment in 14 years, we can use the formula for compound interest:
[tex]A = P(1 + r)^n[/tex]
Where A is the future value, P is the initial investment, r is the annual interest rate, and n is the number of years.
Plugging in the given values, we get:
[tex]A = 74,381(1 + 0.12)^14[/tex]
Simplifying the expression inside the parentheses, we get:
[tex]A = 74,381(1.12)^14[/tex]
Using a calculator to raise 1.12 to the 14th power, we get:
A = 74,381(3.896)
Multiplying, we get:
A = 289,625.54
So the investment will be worth $289,625.54 in 14 years.
8. To find the amount that the parents need to have in their bank account today, we can rearrange the formula for compound interest to solve for P:
[tex]P = A/(1 + r)^n[/tex]
Plugging in the given values, we get:
[tex]P = 50,000/(1 + 0.07)^4[/tex]
Simplifying the expression inside the parentheses, we get:
[tex]P = 50,000/1.07^4[/tex]
Using a calculator to raise 1.07 to the 4th power, we get:
P = 50,000/1.3108
Dividing, we get:
P = 38,148.44
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organization communication 1200 wordsPart A.- Critically compare and contrast empathic and critical listening.- Design a set of guidelines for evaluating speaker’s message but also note when it would be fitting to withhold judgment. Please make sure that your suggested guidelines are well structured and justified.- Give examples of 4 types of nonverbal behavior and summarize the importance of each in a specific organization or career field. Please make sure that you demonstrate the significance of non-verbal behavior by providing examples from a specific organization or field that you are familiar with or you do have personal experience.
Empathic and Critical Listening: Empathic listening is the act of actively engaging with and understanding another person’s point of view. It is listening with the intent of truly understanding what is being said, without passing judgement or taking an argumentative stance. Critical listening, on the other hand, is the process of evaluating and analyzing what is being said. It requires close attention to details and a more objective approach.
Guidelines for Evaluating a Speaker’s Message:Pay close attention to the speaker’s message and strive to understand what they are trying to communicate.
Nonverbal Behavior: Nonverbal behavior is the communication of messages without words. This can include body language, facial expressions, and gestures. In an organization or career field, the importance of nonverbal behavior can range from maintaining respect in the workplace, to conveying the right attitude during an interview. Examples of nonverbal behavior include:
Eye contact: Maintaining eye contact conveys that you are paying attention and showing respect.Facial expressions: A smile or nod can communicate understanding or agreement.Gestures: Pointing or gesturing with your hands can help emphasize a point.Posture: Standing or sitting up straight can show that you are alert and engage.Nonverbal behavior is an essential part of communication, and in an organizational or career setting it is important to be mindful of it. It can be used to convey respect and understanding, or even to emphasize a point in a conversation.For such more questions on organization communication:
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Suppose you borrow $2,500,000 from a bank for one-half year at a stated annual interest rate of 14 percent, with interest prepaid (a discounted loan). Also assume that the bank requires you to maintain a compensating balance equal to 20 percent of the initial loan value. What effective annual interest rate are you being charged?
a. 14.00%
b. 9.59%
c. 19.18%
d. 21.21%
The effective annual interest rate for a loan of $2,500,000 with a stated annual interest rate of 14 percent for one-half year and a compensating balance equal to 20 percent of the initial loan value is 19.18%. Hence, the correct option is (C).
How To Calculate The Effective Annual Interest Rate?First, calculate the amount of interest you will pay on the loan. Since it's a discounted loan with interest prepaid, you will pay 14% of the loan value upfront; Interest = $2,500,000 × 14% = $350,000.
Next, calculate the amount of the compensating balance; Compensating balance = $2,500,000 × 20% = $500,000. Subtract the interest and compensating balance from the initial loan value to get the amount of money you actually receive; Amount received = $2,500,000 - $350,000 - $500,000 = $1,650,000
Finally, calculate the effective annual interest rate by dividing the interest by the amount received and multiplying by 100%; Effective annual interest rate = ($350,000 ÷ $1,650,000) × 100% = 19.18%.
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Which of the following is least likely to be an economy of scale?
A. An extra worker employed being more productive than a previous worker
B. Being able to secure a loan at a lower rate of interest
C. Moving goods by sea in large tankers
D. Managers specialising in a particular function
Option D is correct. Managers specializing in a particular function is least likely to be an economy of scale.
Concept of economy of scale.Economy of scale refers to the cost advantages that a company can achieve when it produces goods or services in large quantities.
Option D relates to the concept of specialization, which may lead to increased efficiency and productivity, but does not necessarily result in cost savings that are typically associated with economies of scale.
The other options (A, B, and C) are all examples of economies of scale, as they involve increasing productivity, reducing costs, or improving efficiency through larger scale operations.
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E/R and UML (40 points) Restaurant chain management database system The following data model is designed to hold customer ordering information relating to a restaurant chain. For this scenario we need to define the following facts: These facts define the requirements which the Database must meet and should be agreed between the Database User and the Database Designer prior to physical creation. Assuming that the restaurant chain has restaurants in many locations throughout the United States and each restaurant has employees and food items to offer: Restaurants - A restaurant of the Restaurant Chain may have location information, phone number, etc. Menu items - name, price. e.g. Hamburger, $3.50 Customers - Name, address (for delivery purpose), phone. etc. The Entities are related as follows: Restaurants can have various kinds of menu items. Customers may order menu items from various restaurant locations. . . When asking questions of the database we may need to know: 1. Which customer ordered which items in which location? Create an UML diagram capturing the objects and relationships described above. Describe all your design choices and constraints. Please use the notation for UML diagrams introduced in the course. Rubrics used will be similar to the homework Rubrics for grading. (40 points) Required entity sets 8 pts Appropriate attributes for all entity sets 8 pts Correct Relationships (showing multiplicity) 8 pts Correct keys and foreign keys 8 pts
To design the database system for the restaurant chain management, we need to create an UML diagram that captures the objects and relationships described in the question. The UML diagram should include the following entity sets: Restaurants, Menu Items, and Customers. Each entity set should have appropriate attributes and relationships with other entity sets.
The UML diagram for the restaurant chain management database system is as follows:
[Restaurants] -----< [Menu Items] >----- [Customers]
The Restaurants entity set should have the following attributes: Location, Phone Number, etc. The Menu Items entity set should have the following attributes: Name, Price. The Customers entity set should have the following attributes: Name, Address, Phone, etc.
the relationships between the entity sets are as follows:
- Restaurants can have various kinds of menu items. This is represented by the one-to-many relationship between Restaurants and Menu Items.
- Customers may order menu items from various restaurant locations. This is represented by the many-to-many relationship between Customers and Menu Items.
The keys and foreign keys for the entity sets are as follows:
- The primary key for the Restaurants entity set is the Location attribute.
- The primary key for the Menu Items entity set is the Name attribute.
- The primary key for the Customers entity set is the Name attribute.
- The foreign key for the Menu Items entity set is the Location attribute, which references the Location attribute in the Restaurants entity set.
- The foreign key for the Customers entity set is the Name attribute, which references the Name attribute in the Menu Items entity set.
Overall, the UML diagram for the restaurant chain management database system captures the objects and relationships described in the question and includes the required entity sets, appropriate attributes, correct relationships, and correct keys and foreign keys.
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A 60-40 weighted portfolio between A and B, with respective means 8% and 10%, and standard deviations of return 8% and 10%, plus correlation 50%, has Sharpe Ratio closest to which of the following? Assume the Risk-Free rate is 1%
The Sharpe Ratio of the portfolio is closest to 1.016.
The Sharpe Ratio is a measure of the risk-adjusted return of a portfolio. It is calculated as the difference between the portfolio's return and the risk-free rate, divided by the portfolio's standard deviation of return. In this case, the Sharpe Ratio can be calculated as follows:
1. Calculate the portfolio's return: 0.6 * 8% + 0.4 * 10% = 8.8%
2. Calculate the portfolio's standard deviation of return: sqrt(0.6^2 * 8%^2 + 0.4^2 * 10%^2 + 2 * 0.6 * 0.4 * 8% * 10% * 50%) = 7.68%
3. Calculate the Sharpe Ratio: (8.8% - 1%) / 7.68% = 1.016
Therefore, the Sharpe Ratio of the portfolio is closest to 1.016. The correct answer is 1.016.
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A Company has been offered the possibility of entering two projects:
a) A five years project that consists on an initial investment of 100,000 EUR and a set of 5 yearly revenues of 25,000 EUR from year 1 onwards
b) A ten years project that consists on an initial investment of 100,000 EUR and a set of 10 yearly revenues of 20,000 EUR from year 1 onwards.
What is the payback period for project B?
(Write the answer with one figure only)
Payback period is the time it takes for an investment to generate sufficient cash flow to recover the initial cost of the investment. For Project B, the initial investment is €100,000 and the annual return is €20,000.
To calculate payback period, you can use the following formula:
Payback Time = Initial Investment / Annual Cash Flow
= €100,000 / €20,000
= 5 years
Therefore, the payback period for Project B is 5 years.
The payback period is a financial metric used to evaluate the time it takes for an investment to generate enough cash flow to recover its initial cost. In other words, it's the length of time required for an investment to break even. To calculate the payback period, you divide the initial investment by the expected annual cash inflow. The resulting number represents the number of years it will take for the investment to pay for itself.
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Alfa international paid $2.00 annual dividend on common stock and promises that the dividend will grow by 4% per year. If the stock's market price for today is $20, what is required rate of return?
The required rate of return for Alfa International's stock is 14%.
The required rate of return can be calculated using the dividend discount model, which is also known as the Gordon Growth Model. This model is used to estimate the value of a stock based on the expected future dividends and the required rate of return. The formula for the dividend discount model is: P₀ = D₁ / (r - g) where P₀ is the current stock price, D₁ is the expected dividend for the next period, r is the required rate of return, and g is the expected growth rate of the dividend. Rearranging the formula to solve for the required rate of return, we get: r = (D₁ / P₀) + gSubstituting the given values into the formula, we get: r = ($2.00 / $20) + 0.04r = 0.10 + 0.04r = 0.14 or 14%
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Directions: Read the passage, then compute the percentages of sales by product and fill in the table.
Based on the information provided, here is a breakdown of Farmer's Pride Foods' product line and sales in one year:
Milk, butter, and yogurt: $500 million (56.05% of total sales)
Ice cream: $100 million
Cheese: $80 million
Canned and frozen vegetables: $55 million
Pickles, relishes, and salad dressings: $40 million
Sauces and dips: $35 million
Juices: $30 million
Puddings: $22 million
Trucking services: $30 million
Total sales: $892 million
It is worth noting that the company is also developing premium frozen desserts, such as gelato and sorbets, and is even developing nondairy frozen desserts, but their sales figures are not provided in the given information .
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"What losing his entire net worth taught this investor"
by Lucy Dean Australian Financial Review Feb 23, 2022
"If there’s one thing Perth entrepreneur and investor Marty Spargo wants others to know, it’s that futures trading can be risky and stop-losses need to be set at the right amount.
Futures are a type of derivative financial contract in which a buyer agrees to buy an asset at a set future date and price, while the seller must sell at the same time and price.
A stop-loss is an order an investor places with a broker to buy or sell a stock when it reaches a certain price. It’s designed to stop an investor from losing too much money if their stock slides.
Trading futures can be riskier than trading shares because the leverage offered in futures trading magnifies any potential gains and losses.
Spargo, 40, learnt that lesson the hard way while trading futures in 2012.
"I had a stop-loss in place but in hindsight that stop-loss was way, way too far away which allowed me to lose everything," Spargo said.
"The stop-loss should have been much closer, so that if it didn’t go my way I’d make that trade much sooner."
His capital was wiped out, in an experience he describes as "terrible".
Question: Losing money when trading futures is an example of inefficient risk sharing.
True
False
This given statement- 'Losing money when trading futures is an example of inefficient risk sharing.' is False. Losing money when trading futures is not an example of inefficient risk sharing, but rather an example of the inherent risks involved in futures trading.
Futures trading is a high-risk investment strategy that involves buying and selling assets at a set future date and price. While stop-losses can be used to mitigate some of the risks, they are not foolproof and investors can still lose money if they are not set at the right amount.
In the case of Marty Spargo, his stop-loss was set too far away, which allowed him to lose his entire net worth. This is not an example of inefficient risk sharing, but rather an example of the risks involved in futures trading and the importance of setting stop-losses at the right amount.
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In this assignment, you should use brand to work fully on segmentation of the brand’s target.The key question you will need to answer is: Who is the core consumer segment my brand is positioned for?If you are a true lover of this brand, chances are YOU will be a core consumer of this brand, which is the reason why you should select your FIRST choice in any given category. Also, if it is a CPG (Consumer Packaged Goods) brand, then for a brand you buy regularly. If you have chosen a brand that you buy multiple products from, please choose the category you buy from most often. In order to complete your assignment, you will have to address the following questions:· Behaviour, Psychographics (Values, Attitudes and Lifestyles-VALS), Demographics, Needs and Motivations
To complete the assignment, you should consider the following factors when researching the core consumer segment for your brand:
Behaviour: Understand the behaviour patterns of potential customers when engaging with the brand.
Psychographics (VALS): Examine the values, attitudes and lifestyles of potential customers in relation to the brand.
Demographics: Look at demographic factors such as age, gender and income that may affect brand preferences.
Needs and Motivations: Investigate what customers may need or be motivated to purchase from the brand.
When answering the key question, it is important to consider behaviour, psychographics (values, attitudes and lifestyles-VALS), demographics, needs and motivations.
For example, if you are a true lover of the brand, you may be a core consumer of the brand and you should select your first choice in any given category. Additionally, if the brand is a CPG (Consumer Packaged Goods) brand, then choose the category you buy from most often.
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The supplies account balance on June 30 is $5,800. The supplies
on hand on June 30 are $4,200.
1. Credit?
2. Debit?
3. For?
The difference between the supplies account balance and the supplies on hand is $1,600 ($5,800 - $4,200). This means that $1,600 worth of supplies have been used during the month of June.
To record this transaction, you will need to make the following journal entry:
1. Credit the Supplies account for $1,600 to reduce the balance to the correct amount of supplies on hand.
2. Debit the Supplies Expense account for $1,600 to record the expense of the supplies that were used during the month.
3. This journal entry is made for the purpose of accurately reflecting the amount of supplies on hand and the expense of the supplies that were used during the month of June.
The journal entry will look like this:
Account Debit Credit Supplies Expense$1,600Supplies$1,600
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