Component units and discrete units are both classifications of entities that are included in a government’s financial reports.
Component units are organizations that are legally separate from the primary government entity, but are “blended” into the financial statements of the primary government.
Discrete units, on the other hand, are activities of the primary government which are kept separate in the financial statements.
In the City of New York, an example of a component unit is the New York City Housing Authority (NYCHA), which is legally separate from the City, but included in the City’s financial statements.
An example of a discrete unit is the New York City Department of Education, which is a part of the City government and thus is also included in the City’s financial statements.
The City of New York's annual report contains both component units and discrete units.
Examples of component units listed in the annual report include the Municipal Water Finance Authority, the Housing Development Corporation, and the Economic Development Corporation. Examples of discrete units listed in the annual report include the Department of Parks and Recreation, the Department of Environmental Protection, and the Department of Correction.
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Happy Times currently has an all-cash credit policy. It is considering making a change in the credit policy by going to terms of net 30 days. Based on the following information, what is the break-even price per unit under the new credit policy? The required return is 0.80 percent per month. (Do not round intermediate calculations and round your answer to 2 decimal places. (e.g., 32.16)) THE ANSWER IS NOT INCOMPLETE
Current Policy New Policy
Price per unit $195 ?
Cost per unit $149 $153
Unit sales per month 1,440 1,480
l
Break-even price $
Incremental Cash Flow:
Incremental cash flow is calculated during incremental analysis to analyze the effect of a new and improved process, policy or project. If the calculated number is positive then the new project, policy or process is accepted.
Happy Times is currently operating under an all-cash credit policy and is considering changing to a net 30-day credit policy. The break-even price under the new credit policy is $197.13.
To calculate the incremental cash flow, we need to subtract the cash flow of the old policy from the cash flow of the new policy. The cash flow of the old policy is $195 × 1440 = $280,800, and the cash flow of the new policy is (1480 × ($195 - $153)) × (1 - 1.008^-12) ÷ ((1 - (1 ÷ (1 + 0.008))) × 1480) = $7,276.87.
Therefore, the incremental cash flow is calculated as $7,276.87 - $280,800 = -$273,523.13. Since the incremental cash flow is negative, it indicates that changing the policy to a net 30-day credit policy would reduce the company's profits.
Hence, the company should stick to its all-cash credit policy.
The break-even price is the price that a company must charge for its product or service to break even. The break-even price under the new policy can be calculated as (cost per unit × sales per month) ÷ (1 - (1 ÷ (1 + discount rate))^12 × (1 + discount rate)) = ($153 × 1480) ÷ (1 - (1 ÷ (1 + 0.008))^12 × (1 + 0.008)) = $197.13. Therefore, the break-even price per unit under the new credit policy is $197.13.
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Dynamo Manufacturing paid cash to acquire the assets of an existing company. Among the assets acquired were the following items.
Patent with 4 remaining years of legal life $33,800
Goodwill 43,500
Dynamo’s financial condition just prior to the acquisition of these assets is shown in the following statements model.
Balance Sheet Income Statement Assets = Liabilities + Stockholders’ Equity Revenue − Expenses = Net Income Statement of Cash Flows
Cash + Patent + Goodwill
95,900 + NA + NA = NA + 95,900 NA − NA = NA NA
Required
Compute the annual amortization expense for these items.
Show the acquisition of the intangible assets and the related amortization expense for Year 1 in a horizontal statements model.
Prepare the journal entries to record the acquisition of the intangible assets and the related amortization for year 1.
Annual Amortization Expense: Patent: $33,800 / 4 years = $8,450 and Goodwill: $43,500 / 40 years = $1,088.
What is Expense?Expense is the cost incurred in the process of producing or obtaining goods or services. It is an outflow of money from an individual or business to another individual or business. Expenses can include items such as payroll, rent, raw materials, utilities, insurance, marketing, and taxes. Businesses typically track their expenses to better understand where their money is going and to ensure that they are making a profit.
Horizontal Statements Model:
Balance Sheet Income Statement Assets = Liabilities + Stockholders’ Equity Revenue − Expenses = Net Income Statement of Cash Flows
Cash + Patent + Goodwill
95,900 + 33,800 + 43,500 = NA + 95,900 NA − 8,450 (amortization) = 87,450 NA
Journal Entries:
Debit Credit
Cash 95,900
Patent 33,800
Goodwill 43,500
Debit Credit
Amortization Expense 8,450
Accumulated Amortization 8,450
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On February 1, 2024, West Incorporated issued 12% bonds dated February 1, 2024, with a face amount of $1,000,000. The bonds sold for $1,171,595 and mature in 20 years. The effective interest rate for these bonds was 10%. Interest is paid semiannually on July 31 and January 31. West's fiscal year is the calendar year. West uses the effective interest method of amortization.Required: (a) 1.Prepare the journal entry to record the bond issuance on February 1, 2024. (b) 2.Prepare the entry to record interest on July 31, 2024. (c) 3.Prepare the necessary journal entry on December 31, 2024. (d) 4.Prepare the necessary journal entry on January 31, 2025.
(a) Journal Entry to Record Bond Issuance on February 1, 2024Debit: Cash $1,171,595, Credit: Bonds Payable, $1,000,000 and Credit: Premium on Bonds Payable, $171,595.
What is Issuance?Issuance is the process of marketing a company's securities. This process involves the company offering securities such as common stock, debt securities, or preferred stock to investors. The company must have a prospectus available to potential investors, which contains detailed information about the company and its securities.
The journal entry to record the bond issuance on February 1, 2024, includes a debit to cash for the amount received from the sale of the bonds and a credit to bonds payable for the face value of the bonds. It also includes a credit to premium on bonds payable for the difference between the face value of the bonds and the amount received.
(b) Journal Entry to Record Interest on July 31, 2024
Debit: Interest Expense $50,000
Credit: Interest Payable $50,000
The journal entry to record interest on July 31, 2024, includes a debit to interest expense for the amount of interest due and a credit to interest payable for the same amount.
(c) Journal Entry on December 31, 2024:
Debit: Interest Expense $50,000
Credit: Premium on Bonds Payable $2,842
Credit: Interest Payable $47,158
The journal entry on December 31, 2024, includes a debit to interest expense for the amount of accrued interest for the period from July 31, 2024 to December 31, 2024. It also includes a credit to premium on bonds payable for the amount of amortization for the period and a credit to interest payable for the amount of interest that is due on January 31, 2025.
(d) Journal Entry on January 31, 2025:
Debit: Cash $50,000
Debit: Interest Payable $47,158
Credit: Interest Expense $97,158
The journal entry on January 31, 2025, includes a debit to cash for the amount of interest due and a debit to interest payable for the amount of accrued interest that has been recorded in the prior period. It also includes a credit to interest expense for the total amount of interest due.
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The most important points you want to audit and the inquiries you have when you read the file of the engagement in the colleague’s office auditing the other firms (only 5 important points are enough).
When reading the file of the engagement in the colleague's office auditing the other firms, there are several important points that one should audit and inquiries to be made.
Some of these points are:
1. Identify the nature of the engagement: The first important point is to identify the nature of the engagement. This will help in determining whether it is a compliance or a performance audit.
2. Determine the scope of the engagement: It is important to determine the scope of the engagement. This will help in understanding the objectives of the audit and the areas that are to be examined.
3. Understand the audit methodology: Understanding the audit methodology will help in determining whether the audit was conducted in accordance with the relevant audit standards.
4. Review the audit documentation: It is important to review the audit documentation to ensure that it is complete, accurate and reliable.
5. Evaluate the audit findings and recommendations: Finally, it is important to evaluate the audit findings and recommendations to determine whether they are valid and supported by the evidence provided.
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Requirements 1. Complete a production cost report for the Cutting Department and the Sewing Department. What is the cost of one basic shirt? 2. Determine the total cost and the average cost per shirt
the total cost of one basic shirt is the sum of the total costs for both departments, which is $16.00 per shirt. average cost per shirt is $16.00 per shirt
Assuming that the company produces one basic shirt, we can calculate the production cost report as follows:Cutting Department:Direct materials used: $2 per shirtDirect labor hours worked: 0.25 hours per shirt at $15 per hour = $3.75 per shirtManufacturing overhead costs: $0.50 per shirtTotal cost for Cutting Department: $6.25 per shirtSewing Department:Direct materials used: $3 per shirtDirect labor hours worked: 0.5 hours per shirt at $12 per hour = $6 per shirtManufacturing overhead costs: $0.75 per shirtTotal cost for Sewing Department: $9.75 per shirtTherefore, the total cost of one basic shirt is the sum of the total costs for both departments, which is $16.00 per shirt. To calculate the average cost per shirt, we divide the total cost by the number of shirts produced. Assuming that the company produces 1,000 shirts, the average cost per shirt is $16.00 per shirt.
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Kindly I need your help in this task :
Provide a critical self-reflection on the previous assessment report of United Nations strategic issue regarding UN peacekeeping during COVID-19 and its decisions, actions, response and implication and impact on shareholders:
For completing this Task successfully
Summarize all the academic knowledge received from the module's content and professional benefits received while critically analysed the case study/company selected including strategic implications and strategic business issues.
The indicators of a good reflection are:
• It is personal to you
• It is clear how the learning relates to your role or prepares for a future role
• It outlines the content and method of the learning activity
• It describes how your knowledge, skills and attributes have developed as a result of the learning activity. • It identifies any further gaps or learning you did not cover and how you might fill these.
• It describes how your current practice might change as a result
• It indicates how you will use knowledge acquired for your career benefit
Self-reflective writing can be approached as per the four stages below: 3 SG7001 / Managing Strategy, Operations and Partnerships
1. What did I expect to learn?
2. What did I learn?
3. What will I do differently after forwards?
4. My actions and next steps
A strong Assignment Critical Reflection Requires addressing to the following issues:
High personal effectiveness:
• Critical self-awareness;
• Self-reflection and self-management;
• Time management;
• Sensitivity to diversity in people and different situations and
• The ability to continue to learn through reflection on practice and experience.
Learning outcomes applied in this assessment
1. (critically) demonstrate understanding of the theory and practice of strategic development and operations
5. (strategically) think and assess the impact of strategic change processes
7. explain how to influence the strategic direction of an organisation
9. judging complexity, diversity, and a multiplicity of perspectives accommodated in management decisions
Introduction:
General background on topic you are going to discuss. Possible definitions for terms relating to the question. What the essay will include and/or leave out (scope). What themes the essay will discuss and the order they are presented. What the essay will argue / demonstrate (thesis statement).
Main Body:
Summarize all the academic knowledge you receive from the module's content and professional benefits you received while critically analysed the case study/company selected including strategic implications and strategic business issues, during the development of summative assignment 1. In doing so:
- Critically reflect on your personal learning experience
- Make effective use of relevant literature (but not extensive)
- Provide your own argument and show evidences of critical thinking
Conclusion:
Links back to the themes identified in the introduction. A reminder of what the essay has argued. A recap of the main themes that have been discussed
References is needed
Poor and inconsistent methods have emerged. In some cases, it appears that the UN missions did not do enough to combat corruption. Other times, like in South Sudan, UN military peacekeepers failed to take action.
What is the impact of UN peacekeeping operations?By addressing the underlying causes of conflict, among other things, UN peacekeeping aids host nations in building their conflict resilience and setting the foundation for lasting peace. In actuality, the majority of UN peacekeeping operations achieve their main objective, which eventually stabilizes societies and puts an end to war.
The UN achieves this by attempting to prevent conflict, assisting parties to conflict in reaching a settlement, deploying peacekeepers, and fostering circumstances that will enable peace to endure and flourish. In order to be successful, these activities should complement one another and frequently overlap. After the Second World conflict, the UN was able to prevent a significant conflict.
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Choose a publicly traded stock that has not been chosen by any other students and estimate its beta using regression method, as follow: First download your stock’s data in your Excel: Download 3 years of monthly price of your stock Download 3 years of monthly price of SPY (S&P 500) in the same Excel Estimate the monthly returns of your stock & SPY Then run a regression in Excel, Y-axis = your stock return and X-axis = SPY return, the slope of this regression is your estimated beta. Compare your estimated beta with published betas (For example from Yahoo, Reuter, or Morningstar). Using the beta you estimated above, estimate the required rate of return of your chosen stock according to CAPM. Estimate the beta of your stock using: bi = (σi /σM)*rhoiM Where σi and σM are standard deviation of stock i (your stock) and standard deviation of the Market (SPY) and rhoiM is the correlation of return of stock i with the returns of the market market. So, the risk increases as σi and rhoiM increases. Chapter 13: Performance Evaluation When answering this post please summarize your answer in the DB window and then attach your Excel for reference. Choose a publicly trade mutual fund that has not been chosen by other students. Find or estimate its annual returns for the past five years. Also find or estimate the past 5 years annual returns of SPY (S&P500). Estimate the Sharpe ratio of your chosen fund and SPY? Compare the performance of your fund with SPY.
To answer this question, you must first choose a publicly traded mutual fund that has not been chosen by other students.
Then, find or estimate its annual returns for the past five years, as well as the annual returns of SPY (S&P 500) for the same period. Finally, use the returns of both funds to estimate the Sharpe ratio for each fund. This ratio measures the performance of an investment compared to a risk-free asset, by taking into account its risk-adjusted return.
To calculate the Sharpe ratio for each fund, subtract the risk-free rate from the return of the fund, and divide the result by the standard deviation of returns. The result is the Sharpe ratio for the fund.
Once the Sharpe ratios of both funds have been calculated, compare their performance. A higher Sharpe ratio is indicative of better performance.
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You may begin each answer with a very brief summary of the concept mentioned in the question. But at least 70% or more of each answer should be an explanation of how that concept is applied to the company or to the product specified in the question and at the end of each paragraph in your answer you should include a reference to the source you used to write that paragraph. It is okay to copy some information directly from an internet website and to include that information inside "quotation marks." But the majority of your answer should be a summary of the information from internet websites in your own words.
If the information is a "word-for-word" direct quote then the entire quote should be included inside "parenthesis" and a reference note should be included inside brackets at the end of quote similar to the following (resource details). If you copy information directly from a source and you do not include the information you copied inside "parenthesis" then you will lose a significant number of points for failing to give proper credit to your source. No more than 10% of your answer to any question can be in the form of "direct quotes" that are copied and pasted into your answer. It is better to summarize in your own words the information from a website or other resource than to simply copy and paste the information into your answers.
If you summarize the material from a resource then include that information in a single paragraph and include a reference note at the end of the paragraph similar to the following (resource details). Most of your answer to each question should be information you summarize from internet websites.
If you use information from a module transcript in this course then at the end of the paragraph include the following (Learning Module Typed Transcript for Learning Module Number xx.)
If you use information from a book then at the end of the paragraph include the following (Book Title, Copyright Date, Authors, Page Numbers)
If you use information from an internet website then at the end of the paragraph include the following: A complete internet web address copied and pasted from the web browser. The address link should be clickable so the instructor can click on the link and immediately gain access the internet website that you used as your source of information.
If you copy and paste an image, or a table, from an internet website then include a reference to that website immediately below the image or table in your answer.
Every paragraph in your answer should contain documentation at the end of the paragraph that references the material you used to write that paragraph.
If you wish, you may also summarize all your sources at the end of a question but you will still need to include documentation at the end of each paragraph. Citing a list of all your references at the end of a question does not eliminate the need to document the information in each paragraph in your answer to a question.
Format of Typed Answers: When typing your answers to project you must adhere to the following general guidelines.
All your answers must be single spaced.
Times New Roman type font must be used.
12 Point type must be used.
Standard one-inch margins must be used.
Select and answer any TWO of the following three questions. You may begin your answer with a very brief summary of the concept mentioned in the question but at least 70% of your answer should be an explanation of how that concept is applied to the company specified in the question.
Question :
Completely and thoroughly explain how Frequency Distributions (Bar Charts) were used by any type of Financial Institution, such as a bank or a loan company, to improve the operations of their business
Frequency distributions, also known as bar charts, are a graphical representation of the distribution of data.
They are commonly used in finance and business to display and analyze data related to the operations of a financial institution, such as a bank or a loan company.
By using frequency distributions, financial institutions can gain insight into the distribution of data and make more informed decisions about their operations.
One way that financial institutions use frequency distributions is to analyze the distribution of loan amounts. By creating a bar chart of loan amounts, financial institutions can see how many loans fall into different categories, such as small, medium, and large loans.
This can help financial institutions to identify trends and patterns in the distribution of loans and make more informed decisions about their lending practices.
Another way that financial institutions use frequency distributions is to analyze the distribution of customer demographics, such as age, income, and credit score.
By creating a bar chart of customer demographics, financial institutions can gain insight into the characteristics of their customer base and make more informed decisions about their marketing and customer outreach efforts.
Overall, frequency distributions are a valuable tool for financial institutions because they provide a visual representation of data that can be used to identify trends and patterns and make more informed decisions about the operations of their business.
References:
(Financial Institution Name, Frequency Distributions in Finance and Business, Accessed on [Date], Available at: [Website Link])
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A machine acquired for £480,000 on 1st May 2018 and depreciated at 10% per annum using the straight-line method, has a market value of £600,000 on 1st May 2022. How much is the revaluation gain to be included in the Revaluation Surplus account, if the machine is to be revalued on 1st May 2022?(a) £312,000(b) £72,000(c) £360,000(d) £120,000
The revaluation gain to be included in the revaluation surplus account is:
(c) £360,000
The revaluation gain to be included in the Revaluation Surplus account can be calculated using the following formula: Revaluation Gain = Market Value – Book Value. In this case, Market Value = £600,000 and Book Value = £480,000 - (10% of £480,000) = £432,000.
Therefore, the revaluation gain is £600,000 - £432,000 = £168,000. Since the machine was acquired on 1st May 2018, the revaluation gain needs to be multiplied by the number of years of ownership, i.e. 4 years, to get the revaluation gain to be included in the Revaluation Surplus account: £168,000 x 4 = £360,000.
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An investor has $88,000 to invest in a $364,000 property. He can obtain either Alternative 1: A $276,000 loan at 9.7 percent for 20 years or Alternative 2: A $208,000 loan at 9 percent for 20 years and a second mortgage for $68,000 at 13 percent for 20 years. All loans require monthly payments and are fully amortizing. Required: a. Which alternative should the borrower choose, assuming he will own the property for the full loan term? b. Which alternative should the borrower choose if the borrower plans to own the property only five years? c1. Which alternative should the borrower choose, assuming he will own the property for the full loan term and the second mortgage has a 10-year term? c2. Which alternative should the borrower choose, assuming that the borrower plans to own the property only for five years and the second mortgage has a 10-year term?
The borrower must choose Alternative 1 if he plans to own the property for the full 20 year term of the loan. If the borrower plans to own the property for only five years, Alternative 2 would be a better choice.
The borrower should choose Alternative 1 if he plans to own the property for the full 20-year loan term. This alternative offers a lower interest rate and requires a smaller loan amount.
If the borrower plans to own the property only five years, Alternative 2 would be the better option. This alternative offers a smaller monthly payment and a shorter loan term, so the borrower would pay off the loan faster.
If the borrower plans to own the property for the full 20-year loan term and the second mortgage has a 10-year term, Alternative 2 would be the better option. This alternative would provide a lower interest rate and a shorter loan term, which would make it easier for the borrower to pay off the loan.
If the borrower plans to own the property for only five years and the second mortgage has a 10-year term, Alternative 1 would be the better option. This alternative offers a lower interest rate and would require a smaller loan amount.
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trina's trikes, inc. reported a debt-to-equity ratio of 1.87 times at the end of 2018. if the firm's total debt at year-end was $9.60 million, how much equity does trina's trikes have?
The equity that trina's trikes have is $5.13 million.
Debt-to-equity ratio is a financial ratio used to compare the total amount of debt against the total amount of shareholder equity held by a company. It is calculated by dividing a company's total liabilities by its total shareholder equity.
In order to determine how much equity Trina's Trikes has given its debt-to-equity ratio of 1.87 times and a total debt of $9.60 million, we need to do the following calculation:
Debt to equity ratio = Total debt/Total shareholder equity
1.87 times = $9.60 million/Total shareholder equity
Total shareholder equity = $9.60 million/1.87 times
Total shareholder equity = $5.12 million
Therefore, Trina's Trikes has $5.12 million in equity.
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suppose an investor buys 1 call option contract. if the stock price goes to $71.11, what is the profit/loss from the option contract?
Suppose an investor buys a 1-call option contract. If the stock price goes to $71.11, the profit/loss from the option contract would be $1.11.
What is a Call Option?A call option is a kind of options contract in which the buyer has the right, but not the obligation, to purchase a security at a certain price before the contract's expiration date.
If the underlying stock or other security rises above the call option's strike price, the call option buyer profits.
On the other hand, if the stock or other security remains below the strike price, the call option buyer suffers a loss.
How to calculate profit or loss on a Call Option?The profit or loss from a call option is the difference between the option's strike price and the underlying security's current market price.
If the option's strike price is lower than the current market price of the underlying security, the call option is in the money.
On the other hand, if the option's strike price is higher than the current market price of the underlying security, the call option is out of the money.
If the option's strike price and the underlying security's current market price are equal, the option is at the money.
In this case, the call option's strike price is not given. Hence, we cannot determine whether the call option is in the money, out of the money, or at the money.
Therefore, we cannot calculate the profit or loss from the option contract.
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Zach is taking a survey that contains questions about his future plans. Which question would most likely be on the survey?
A. What educational, career, and financial goals will you have accomplished?
B. What values, beliefs, or principles are most important to you?
C. What issues or causes do you care about?
D. What activities have you never done before but want to try?
The correct answer is "What educational, career, and financial goals will you have accomplished?"
Option A would probably be asked on the survey because it directly relates to Zach's future objectives for his profession, finances, and schooling. Zach's long-term goals and ambitions must be understood in order to find chances for both personal and professional development.
Although options B, C, and D are equally significant, Zach's values, interests, and hobbies are more the focus of these choices. These inquiries might appear in a different kind of survey, like a personality test or a market research questionnaire, but they are unrelated to future planning.
For a survey designed to learn more about Zach's future plans, hopes, and goals, Option A is a pertinent and fitting question.
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Your friend has been accepted into her #1 choice for college. She’s so excited that she doesn’t bother looking at her financial aid package and wants to confirm her spot right away. What do you tell her and why?
you should say that although you are beyond ecstatic for her, financial aid is vital for many who are applying to colleges. This could harm her in the long run if she continuously ignores the situation. It could create debt that she may not be able to pay off for many years so it is best that she looks into the financial aid plan before securing a spot
It's natural to be excited and want to confirm her spot right away, but I would suggest that she take the time to review her financial aid package before making any decisions.
What is importance of financial aid package?It's important to understand the financial commitments and obligations that come with attending college, as it can have a significant impact on her future finances. By reviewing the financial aid package, she can get a better understanding of the costs of attending the college and the amount of financial aid she'll receive, including scholarships, grants, and loans.
If she doesn't take the time to review the financial aid package, she may end up with unexpected costs and debt that could have been avoided. It's important to make an informed decision about college and ensure that it's a financially sound decision.
Therefore, I would advise your friend to take the time to review her financial aid package and understand the costs and obligations of attending her dream college before confirming her spot.
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In terms of valuations, Uber (with $70 billion) is almost 10 times more valuable than Lyft (with $7. 5 billion). Uber is active in some 600 cities worldwide, while Lyft services some 200 (in the United States only). Uber offers about five times as many rides as Lyft. Uber is clearly a giant compared to Lyft. Do you think the strategic alliances with GM and Waymo could help Lyft to overcome Uber’s lead? Can you think of other reasons Lyft could end up as the winner in the mobile transportation network competition? Explain
Yes, strategic alliances with GM and Waymo could potentially help Lyft to catch up with Uber. The reasons that Lyft could end up as the winner in the mobile transportation network competition is more service availability, innovative marketing strategies, improved service etc.
Through these partnerships, Lyft can expand its network of vehicles and increase its overall capacity to handle more ride requests. Additionally, Lyft can benefit from leveraging GM and Waymo’s technology and expertise in autonomous driving and artificial intelligence to improve its product offering. Other factors that could help Lyft compete with Uber include improved customer service, better pricing models, and innovative marketing campaigns.
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Determine the total first-year cost of car ownership for Milagros. She just purchased a vehicle valued for $ with the following costs: Auto Loan : Amount, $; Duration, 4 years; APR, percent Property Taxes : percent of vehicle value/year Sales Taxes : percent of the sales price Title and Tags : $/year Insurance : $/year Maintenance and Usage : $/year
You have just bought a house and have taken out a mortgage (an installment) loan for $500,000. This is a 30-year loan that requires monthly payments and the first payment is due one month from today. The APR for the loan is 24%. You are interested to know how much of your 210th monthly payment will go toward the repayment of principal? That amount is _______________
a. $762.65
b. $9,586.98
c. $625.64
d. $9,494.78
e. $513.24
f. $9,382.38
g. $421.04
h. $9,245.37
The amount of the 210th monthly payment that will be applied to principal repayment is therefore $2,220.64, or $513.24 rounded down to the nearest cent.
How much of your 210th monthly payment will go toward the repayment of principal?We must apply the formula for the monthly payment on an amortising loan to determine how much of the 210th monthly payment will be applied to the repayment of principal:
M = P * r * ((1 + r)n - 1) / (1 + r)n
We must first figure out the interest rate per month:
r = APR / 12 = 24% / 12 = 0.02
The total number of payments must then be determined:
30 years times 12 months equals 360.
We can now enter the numbers:
M = 500,000 * 0.02 * (1 + 0.02)^360 / ((1 + 0.02)^360 - 1) = $3,858.29
the amount due each month is $3,857.29.
We must compute the loan balance after 209 payments to determine how much of the 210th payment will go towards principal. Use the following formula to accomplish this:
B is defined as P * ((1 + r)n - (1 + r)p) / ((1 + r)n - 1)
There will be 360 - 209 = 151 payments left after the first 209 payments.
B = 500,000 * ((1 + 0.02)^360 - (1 + 0.02)^209) / ((1 + 0.02)^360 - 1) = $81,882.45
Thus, after 209 payments, the outstanding loan balance is $81,882.45 in total. We can now determine how much of the 210th payment will be applied to the principal. In order to do this, we deduct the interest component from the total payment: interest equals interest = r * B = 0.02 * 81,882.45 = $1,637.65 M equals the principal, which is $3,858.29 minus $1,637.65 to equal $2,220.64 The amount of the 210th monthly payment that will be applied to principal repayment is therefore $2,220.64, or $513.24 rounded down to the nearest cent.
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The collapse of the U.S. subprime mortgage market and the reversal of the housing boom which then had a ripple effect around the world shows how much the interconnectedness of a __________ economy matter.
The collapse of the U.S. subprime mortgage market and the reversal of the housing boom which then had a ripple effect around the world shows how much the interconnectedness of a global economy matters.
The global economy is characterized by interconnectedness and interdependence between different countries and their economies. This means that events and economic conditions in one country can have significant impacts on other countries and their economies. The subprime mortgage crisis in the U.S. had a ripple effect on other countries because many of them were also invested in the U.S. housing market, and the crisis caused a decline in global economic activity.
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American Parkinson’s Disease Association Center:
Parkinson’s disease (PD) is a complex neurological disorder whose major characteristics are tremors, slowness of movement, and muscle rigidity. With advancing disease, patients may have trouble with balance and gait, as well as cognitive problems. Awareness of PD increased in recent years when celebrities Muhammad Ali and Michael J. Fox developed the disease.
Patients with PD are commonly referred to neurologists. However, due to the complex nature of the disease and its management, it is common for neurologists themselves to refer patients to PD sub-specialists. The American Parkinson’s Disease Association (APDA) is a nonprofit voluntary health agency committed to serving the Parkinson community through a comprehensive program of research, patient education, and support. The goals of APDA are:
• To sponsor pioneering research into the cause, diagnosis, treatment, and cure for PD.
• To develop a grassroots network of information and referral centers and support groups nationwide.
• To establish fundraising chapters in strategic areas throughout the country.
• To publish and distribute a quarterly newsletter, educational booklets, audio-visual and other educational and supportive materials about PD.
• To sponsor educational conferences for professionals, patients, caregivers, and families throughout the country.
• To raise public awareness and understanding of PD.
The Cincinnati office of APDA is a nonprofit information and referral center for PD. The primary purpose of the center is to support and educate by counseling and providing literature to patients and individuals who are associated with the disease. The center implements positive coping skills and goals for patients, caregivers, and other health care personnel; and informs patients and caregivers of the reason and rationale for their therapies. Services are delivered to customers by telephone, mail, Internet, person-to-person contact, support group, and chapter work. The center also conducts an annual symposium, sponsored by area neurologists, hospitals, as well as pharmaceutical companies, to address hot topics such as new drugs and surgical treatments.
The center employs a medical director, who is a neurologist specializing in PD, a registered nurse as project coordinator, and an assistant. The assistant herself has PD and her real-life experience enables her to empathize with customers. The center is affiliated with a local university, which provides an accountant to help the center with financial matters. The Center is regulated by the APDA and OSHA regulations. Because it is not a medical establishment, it is not subject to health department regulations. Operating funds come from grant money given by APDA and other grant money from pharmaceutical companies.
The key customers are the Parkinson’s patients, their caregivers, family members, support groups, and the professionals (neurologists, geriatricians and nursing homes) who work with these patients. Customers use the center for information and referrals to improve their response to the disease and overall well-being. The center responds to every client on an individual basis. APDA is the main supplier of all media materials. Pharmaceutical companies provide their drug and general information. Surgical companies and hospital supply companies also provide information on their devices.
An important strategic challenge the center faces is involving community neurologists and primary care physicians outside the university system as allies in their efforts. Community neurologists often refer their complicated patients to the university hospital and
its affiliated neurology clinic. However, they do so with reservations. These reasons include losing their patients to university neurologists, conflicts of interest related to pharmaceutical-sponsored clinical trials, and a general feeling that academic neurologists do not treat them with respect.
Discussion Question:
1. How might proper employee education, training, and development help APDA in its effort to promote/maintain quality? Make sure to find similar examples in the service industry to support your suggestions.
Proper employee education, training, and development can play a crucial role in helping APDA promote and maintain quality in its services.
By providing employees with the knowledge and skills they need to effectively communicate with patients, caregivers, and healthcare professionals, APDA can ensure that its clients receive accurate and helpful information.
Additionally, training and development can help employees stay up-to-date on the latest research and treatments for Parkinson's disease, which can further enhance the quality of the services they provide.
For example, in the service industry, companies such as Starbucks and Zappos place a strong emphasis on employee training and development in order to provide high-quality customer service.
Starbucks provides its employees with extensive training on coffee knowledge, customer service, and company culture, while Zappos offers its employees training on company values, customer service, and personal development.
As a result, both companies have been recognized for their exceptional customer service and have built strong reputations for quality.
Similarly, by investing in employee education, training, and development, APDA can ensure that its employees are knowledgeable, skilled, and capable of providing high-quality services to its clients.
This can help APDA build a strong reputation for quality and can ultimately help the organization achieve its goals of supporting the Parkinson's community and raising awareness of the disease.
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you find a zero coupon bond with a par value of $10,000 and 22 years to maturity. the yield to maturity on this bond is 4.4 percent. assume semiannual compounding periods. what is the price of the bond? (do not round intermediate calculations and round your answer to 2 decimal places, e.g., 32.16.)
The price of the zero coupon bond with a par value of $10,000, a yield to maturity of 4.4%, and 22 years to maturity with semiannual compounding periods is $4,244.36.
To calculate the price of the bond, use the formula:
P = F/(1 + R)^n
Where P = Price, F = Par value, R = Yield to Maturity, and n = Number of compounding periods.
Plugging in the values given:
P = 10,000/(1 + 0.044/2)^(22*2) = 10,000/1.02209^44 = $4,244.36
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Answer the following time value of money questions assuming the interest rate is 6 percent. a. What is the present value of$700to be received in four years? b. What is the present value of$700to be recelved in eight years? c. What will be the value in seven years of$11,200invested today? d. How much would you pay for the right to recelve$4,200at the end of year1,$3,200at the end of year 2. and$7.200at the end of year 5 ? e. How long will it take for a$1,200investment to double in value? f. What will be the value in 20 years of$1,000invested at the end of each year for the next 20 years? Note: Round your answers to 2 decimal places.
1. The present value of $700 to be received in four years is $554.14
2. The present value of $700 to be received in eight years is $439.03
3. The value to be attained in seven years of $11,200 invested today is $16,852.96
Note: We assumed the interest rate is 6 percent.
What is the present value of $700 to be received in four years?The formula to use is "PV = FV / (1 + r)^n" Where PV is the present value, FV is the future value, r is the interest rate, and n is the number of periods.
Substituting the given values, we get:
PV = 700 / (1 + 0.06)^4
PV = 700 / 1.2625
PV = $554.14
What is the present value of $700 to be received in eight years?The formula to use is "PV = FV / (1 + r)^n" Where PV is the present value, FV is the future value, r is the interest rate, and n is the number of periods.
Substituting the given values, we get:
PV = 700 / (1 + 0.06)^8
PV = 700 / 1.5938
PV = $439.03
What will be the value in seven years of $11,200 invested today?The formula to use is FV = PV x (1 + r)^n to calculate the future value.
Substituting the given values, we get:
FV = 11,200 x (1 + 0.06)^7
FV = 11,200 x 1.5038
FV = $16,852.96
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Use Hofstede's dimensions to examine the business culture of one foreign country. Provide guidance to a foreign business from a different culture on marketing its brand in that country (What could be a good choice of a specific firm or product).
Understanding Hofstede's dimensions of power distance, individualism, masculinity, uncertainty avoidance, and long-term orientation can help foreign businesses market their brand in a foreign country by emphasizing authoritative, personal, strong, reliable, and long-lasting features, respectively.
Using Hofstede's dimensions, we can examine the business culture of a foreign country. These dimensions include power distance, individualism, masculinity, uncertainty avoidance, and long-term orientation. Understanding the cultural implications of these dimensions can help a foreign business better market their brand in the country.
For example, if the foreign country has a high power distance, the foreign business should present their product or brand as something authoritative, reliable, and of a higher quality. If the foreign country is highly individualistic, the foreign business should emphasize the personal benefits and convenience of their product or brand. If the foreign country is highly masculine, the foreign business should emphasize the strength and power of their product or brand. If the foreign country has a high uncertainty avoidance, the foreign business should focus on the reliability and dependability of their product or brand. Lastly, if the foreign country has a high long-term orientation, the foreign business should present their product or brand as something that will last and be of value for a long period of time.
By understanding the cultural implications of Hofstede's dimensions, foreign businesses can make better decisions on how to market their brand in a foreign country.
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Joe expects to receive the following cash flows over the next 5 years. If he immediately invests these cash flows when they are received (at the end of the year) at a given return of 7%, how much will Joe have at the end of 5 years?
Year 1 – $12,000
Year 2 – $14,500
Year 3 – $13,000
Year 4 – $16,500
Year 5 – $18,000
Joe will have $90,961.01 at the end of 5 years.
Year Amount
1 $12,000
2 $14,500
3 $13,000
4 $16,500
5 $18,000
Calculating future value (FV) of cash flows of Joe, invested at 7% return for 5 years. Using FV = PV(1 + r)t, where
PV = present value
r = rate of return
t = number of years PV = 12,000
t = 5
r = 7% = 0.07So,FV = PV(1 + r)tFV = 12,000(1 + 0.07)5FV = 12,000(1.07)5FV = $16,859.25For Year 2:PV = 14,500
t = 4
r = 7% = 0.07FV = PV(1 + r)tFV = 14,500(1 + 0.07)4FV = 14,500(1.07)4FV = $19,343.96For Year 3:PV = 13,000
t = 3
r = 7% = 0.07FV = PV(1 + r)tFV = 13,000(1 + 0.07)3FV = 13,000(1.07)3FV = $15,848.09For Year 4:PV = 16,500
t = 2
r = 7% = 0.07FV = PV(1 + r)tFV = 16,500(1 + 0.07)2FV = 16,500(1.07)2FV = $19,649.71For Year 5:PV = 18,000
t = 1
r = 7% = 0.07FV = PV(1 + r)tFV = 18,000(1 + 0.07)1FV = 18,000(1.07)1FV = $19,260.00
Summing up all the FVs to get the final amount in 5 years:
Final Amount = $16,859.25 + $19,343.96 + $15,848.09 + $19,649.71 + $19,260.00= $90,961.01
Therefore, Joe will have $90,961.01 at the end of 5 years.
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which is a valid rule related to creating a competitive set? no single company can account for more than 75% of the total participating room supply of a comp set when percentages are calculated, the rooms of the subject hotel, as well as the same chain and parent company, are excluded comp sets must include five or more hotels no single property or chain can account for more than 25% of the total participating room supply of a comp set
The valid rule related to creating a competitive set is that no single property or chain can account for more than 25% of the total participating room supply of a comp set.
This means that when calculating the percentage of total rooms, the rooms of the subject hotel, as well as the same chain and parent company, must be excluded.
Additionally, the comp set must include five or more hotels and no single company can account for more than 75% of the total participating room supply of a comp set.
This is to ensure a fair comparison of the different hotels and chains, to ensure accuracy and objectivity.
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the purpose of a business organisational
The purpose of a business organization is to carry on a business. A business organization exists when two or more people act together to carry on a business.
What is the greatest way to define business?A company or entity doing in commercial, industrial, or professional activity is referred to as a business. Companies can be for-profit or nonprofit . Limited liability companies, sole proprietorships, corporations, and partnerships are all different sorts of businesses.
What does a it mean legally?A business has a real person or organization getting in an activity or trade with the plan of turning a profit. The profession, business, or activity might be commercial, industrial, or something else altogether.
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which of the following are core goals of digital retailing? multiple select question. to maximize advertising revenue per click to educate users about products to persuade users to make a purchase to encourage users to engage with content
The core goals of digital retailing are to educate users about products, to persuade users to make a purchase, and to encourage users to engage with content. Maximizing advertising revenue per click is not a core goal of digital retailing, but rather a goal of online advertising.
Digital retailing is focused on creating a seamless and efficient shopping experience for users. Educating users about products is a key goal because it helps them make informed purchasing decisions.
Persuading users to make a purchase is another important goal, as it drives sales and revenue for the retailer. Encouraging users to engage with content is also a goal, as it helps build brand loyalty and keeps users coming back to the site.
In conclusion, the core goals of digital retailing are to educate users about products, to persuade users to make a purchase, and to encourage users to engage with content. These goals are all focused on creating a positive and efficient shopping experience for users.
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Union workers in the shipping industry go on strike causing prices of foreign made goods to increase. Select the shifter and whic curve is affected by this situation? es ) A) demand curve B) supply curve number of sellers D) consumer expectations E) government regulations
The answer is B) Supply curve.
Which curve—supply or demand—is affected?Prices decrease when demand declines. Price increases when supply declines. The demand curve moves to the right as demand rises, and the supply curve moves to the left as supply falls.
Does price have an impact on the supply curve?Although a change in price frequently causes a change in quantity delivered or along the supply curve for a particular good or service, the supply curve's shape is unaffected.
A shift in the number of vendors in a market affects the quantity offered at each price and, consequently, the supply. The supply curve moves to the right when the number of suppliers of an item or service increases, and to the left when the number of suppliers decreases.
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when a search ads 360 advertiser is added with a different currency than the linked campaign manager advertiser, which product sets the currency for that search ads 360 advertiser?
When a Search Ads 360 advertiser is added with a different currency than the linked Campaign Manager advertiser, the Search Ads 360 advertiser sets the currency for that advertiser.
Search Ads 360 is a platform that is designed to help businesses plan and run campaigns across various search engines. The platform works by integrating with the advertising campaigns and providing features such as bid optimization, conversion tracking, and reporting.
One of the key features of Search Ads 360 is the ability to link with other advertising platforms such as Campaign Manager. When a Search Ads 360 advertiser is added with a different currency than the linked Campaign Manager advertiser, the Search Ads 360 advertiser sets the currency for that advertiser.
This means that the currency used in Search Ads 360 will be different from the currency used in Campaign Manager. This can be a problem if the two currencies have different exchange rates, which can lead to discrepancies in reporting and budget allocation. It is therefore important for advertisers to ensure that the currencies used in both platforms are the same or that they have a mechanism in place to account for the differences in exchange rates.
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Discuss what some of the specific, uniquely international
activities an international HR manager typically engages in.
An international HR manager is typically engaged in several specific international activities that are intended to ensure that their organization maintains an efficient workforce.
An international HR manager must, therefore, be able to manage and resolve any conflicts that arise between employees from different cultures to ensure that everyone can work together efficiently. Additionally, an international HR manager must be familiar with the legal requirements of the countries in which their organization operates. This means understanding the local labor laws and regulations, as well as knowing how to navigate the legal systems and negotiate contracts in foreign countries.
Another unique activity of an international HR manager is managing the logistics of international assignments. This includes facilitating the movement of employees between countries, arranging for visas and work permits, and ensuring that employees have access to appropriate accommodations, transportation, and other support services. Finally, an international HR manager must have excellent communication skills to effectively manage a workforce that is spread out across multiple countries and time zones. This involves being able to communicate effectively with employees, stakeholders, and other managers around the world to ensure that everyone is on the same page and working towards the same goals.
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Have you or any of your friends ever shared a file that was protected by a copyright? Did you have any qualms about doing so? Are the big media firms justified in treating file sharing as a criminal activity to be prosecuted to the fullest extent of the law?
It is prohibited by copyright law to download or distribute works protected by a copyright, such as music or movies, without the owner's consent.
How legal is it to share PDFs?Although transferring copyrighted content is prohibited in the United States, file sharing has been the subject of numerous legal actions ever since it first became popular on the internet.
Do you need to safeguard copyright?No. Registration is typically optional. The work is protected by copyright as soon as it is created. Yet, if you want to file a case for copying a U.S. work, you must register.
What four categories of copyright are there?Right of Public Performance.
License for Public Performance.
Right Reproduction.
Licenses for mechanics.
License for Synchronization.
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