According to McEwan (2015), it is Civil inattention
What is Civil inattention"Civil inattention" is a term coined by sociologist Erving Goffman in 1963 to describe the act of politely ignoring individuals using mobile devices in public spaces, thereby acknowledging their presence without engaging with them directly.
Although one that has been commonly practiced throughout history, mobile device use has introduced a new level of complexity to civil inattention. McEwan (2015) posits that people partake in "micro-coordination" as a means of navigating the social norms associated with utilizing mobile devices in shared areas.
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if the most likely reason customers will purchase a company's product is its many useful attributes, what advertising focus would likely be more effecitve
Answer:
If the most likely reason customers will purchase a company's product is its many useful attributes, an advertising focus that highlights the product's features and benefits would likely be more effective.
Explanation:
If the most likely reason customers will purchase a company's product is its many useful attributes, an advertising focus that highlights the product's features and benefits would likely be more effective. This approach involves emphasizing the specific attributes and benefits of the product, such as its quality, functionality, durability, convenience, and other useful characteristics. By highlighting these features, the advertising can appeal to the customer's desire for a product that meets their needs and provides practical benefits. Additionally, providing specific details and comparisons of the product's attributes with those of competitors can help to differentiate the product and increase its appeal to potential customers.
When an operator acts on one operand, it is called a (what)
operator?
A person who wants to make sure that his or her family will have money if that person dies unexpectedly would most likely purchase____insurance.
A. liability
B. title
C. disability
D. Life
Answer:D
Explanation:
The type of insurance that a person would most likely purchase to ensure that their family will have money if they die unexpectedly is life insurance.
Life insurance is designed to provide financial support to the family or beneficiaries of the insured person in the event of the policyholder's death. It can help to cover expenses such as funeral costs, outstanding debts, mortgage payments, and other financial obligations.
Liability insurance is coverage that protects the policyholder from financial losses that may arise from legal liabilities, such as damages or injuries caused by the policyholder to others.
Title insurance is a type of insurance that protects the policyholder from financial losses resulting from defects in the title to a property.
Disability insurance provides coverage for loss of income due to a disability that prevents the policyholder from working.
Therefore, option D. Life insurance is the correct answer to the question.
At Toyota, choosing a supplier is a long, drawn-out process that involves verifying whether the supplier will mesh with the supply network. In some cases, suppliers are selected because they have innovations that improve processes or decrease costs. Both new and existing suppliers are expected to share their innovations with other suppliers that supply similar products. Thus, being a supplier brings along with it an opportunity to receive ideas generated across the supply network. Toyota's goal is to minimize the number of suppliers and create long-term partnerships by nurturing existing suppliers to expand and grow with Toyota instead of growing the number of suppliers to induce competitive price bidding. Individual suppliers receive a contract for a fraction of the total market over the life of a model. Empirical data collected by Japanese economist Asanuma4 suggest that suppliers are promised all of the orders associated with a market segment (e.g., exports versus domestic) or a fixed fraction of a certain market (e.g., a fraction of the domestic market volume) or all of the orders for a particular car model. The goal of the supplier is to maintain delivery performance, high quality, productivity improvements, and so on, over the life of the model. Asanuma's study suggests little use for the supplier as a source of slack capacity. Asanuma studied the Japanese auto industry, the rice cooker industry, and the electronics industry. These three industries differ in their product life cycles, ranging from four years to one year to a few months. Some key features in managing suppliers included independent but closely linked suppliers, long-term relationships, frequent collaboration, exchange of employees between companies over long periods, and cross-linked shareholding. The impact has been observed in terms of long-term cooperation in innovation, cost-cutting, quick response to demand fluctuations, and high levels of trust. The Independent Institute of Education (Pty) Ltd 2023 21; 22; 23 Page 4 of 5 2023 However, the extent of close relationships varies across suppliers and products and over time as is warranted by competitive forces for the end product. Thus, while suppliers often are organized as a keiretsu (a group of companies with investments in one another), their role varies across product types. Note: you are required to provide a paraphrased overview of the factor before providing at least 3 application points. Source Available at: https://www.ineak.com/toyota-managing-suppliers/ [Accessed 27 February 2023]. Q.2.1 Explain how Toyota uses quality as a factor when selecting suppliers. (10)
Toyota takes quality into consideration as a pivotal point in their supplier selection process.
How does Toyota ensure qualityEvaluation of the potential suppliers concentrates on confirming whether their quality management system is compatible with Toyota’s supply network.
Additionally, Toyota assesses the quality performance and record of the suppliers; that includes product imperfections, punctuality, and customer contentment analysation.
Suppliers should bear responsibility for upholding their delivery rates, high standards of quality, as well as executing continual productivity advancements during the lifecycle of the model.
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QUESTION ONE An investor holds two equity shares x and y in equal proportion with the following risk and return characteristics: E (Rx) = 24%; 0x = 28%; E(R₂) = = 19% Oy = 23% The returns of these securities have a positive correlation of 0.6. You are required to calculate the portfolio return and risk. Further, suppose the investor wants to reduce the portfolio risk (0₂) to 15 per cent. How much should the correlation coefficient be to bring the portfolio risk to the desired level?
The correlation coefficient be to bring the portfolio risk to the desired level is -0.32.
What is a correlation coefficient?The measurement known as the correlation coefficient evaluates both the potency and trend of connection held between two variables.
On the other hand, a 0 indicates zero correlation between the pair. The procedure for calculating the correlation coefficient demands that the two independent factors' covariance gets divided by each subject's deviation.
Based on the attachment, the correlation coefficient be to bring the portfolio risk to the desired level is -0.32.
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When you create your brand, you should consider:
SELECT ALL THAT APPLY
- Logo
- Marketing Budget
- Fonts
- Social Media Handles
- Colors
Question content area top
Part 1
At the beginning of the current year, Cameron and Harold formed the CH Partnership by transferring cash and property to the partnership in exchange for a partnership interest, with each having a 50% interest. Specifically, Cameron transferred property having a $70,000 FMV, a $34,000 adjusted basis, and subject to a $7,000 liability, which the partnership assumed. Harold contributed $25,000 cash to the partnership. The partnership also borrowed $25,000 from the bank to use in its operations. All liabilities are recourse for which the partners have an equal economic risk of loss. During the current year, the partnership earned $23,000 of net ordinary income and reinvested this amount in new property
Based on the information provided in the question, the CH Partnership has earned net ordinary income of $23,000 during the current year and reinvested that amount in new property.
CH Partnership is not clear from the information provided what the financial risk of this investment is compared to the other options listed in the previous question. However, we can assume that starting a partnership involves some level of financial risk, particularly given the potential for liabilities and the need for funds to cover operating expenses.
It is important for partners to carefully evaluate their options and consider the potential risks before making such an investment. Additionally, it may be wise to consult with a financial advisor or investment professional to help assess the risks and make informed decisions based on the individual's unique circumstances and goals.
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In an unrelated acquisition, if five firms are interested in acquiring a firm and each of the bidding firms had a current market value of $30,000 while the current market value of the target firm is $20,000, this acquisition is likely to generate economic profits of ________ for the acquiring firm.
Answer:
It is not possible to determine the economic profits that the acquiring firm will generate from the acquisition based on the information provided.
The economic profits of an acquisition depend on various factors such as the price paid for the target firm, the synergies and efficiencies that can be realized by combining the two firms, and the potential growth and profitability of the target firm in the future.
In this scenario, it is only stated that five firms are interested in acquiring a firm with a current market value of $20,000, and each bidding firm has a current market value of $30,000. This information alone does not provide enough detail to calculate the expected economic profits for the acquiring firm.
Therefore, additional information such as the final acquisition price and other factors that could impact the acquisition's profitability would be needed to determine the economic profits generated by the acquisition.
Explanation:
New Zealand Aer offers a family couch seating arrangement a family couch is a row three economic economy class seats that can be adjusted to perform at flat fixed flexible space New Zealand’s air family couch is a what innovation
Use the Aggregate Supply-Aggregate Demand
analysis to answer the following questions. Be sure to draw the appropriate graphs
and provide a short explanation for your answer wherever applicable.
(a) Assume that the economy is in long-run equilibrium. Draw the typical AD and
AS curves. Label the equilibrium point correctly.
2
(b) Suppose there is a sharp decrease in oil prices. Assume that this economy uses
oil only as an intermediate input in its production process. Will the decrease
in oil prices result in a supply shock or a demand shock? Why? Explain your
answer verbally.
(c) Explain your answer to part (b) graphically.
(d) Compare the equilibrium points in (a) and (c) in your diagram. What was the
effect of the shock on changes in output and the price level?
(a) In long-run equilibrium, the AD and AS curves intersect at the potential GDP level, indicating no inflationary or recessionary gaps. The equilibrium point is labeled as E.
(b) The decrease in oil prices will result in a supply shock because it affects the cost of production for firms.
(c) Graphically, a supply shock shifts the AS curve to the right, indicating an increase in the potential GDP level. This results in a new equilibrium point at a higher output level and lower price level.
(d) The equilibrium point in (c) will have a higher output level and a lower price level compared to (a).
As oil is an intermediate input in the production process, a decrease in its price will lower the production costs for firms, increasing their profitability and willingness to supply more goods and services. The shock has resulted in an increase in output and a decrease in the price level, indicating a positive impact on the economy.
Aggregate Supply-Aggregate Demand (AS-AD) analysis is a macroeconomic tool used to understand the behavior of the economy in the short run and long run. The AS curve represents the total supply of goods and services produced by firms, while the AD curve represents the total demand for goods and services in the economy. The intersection of these curves determines the equilibrium level of output and price level.
In the short run, shifts in the AD curve can cause inflationary or recessionary gaps, leading to changes in output and prices. However, in the long run, the AS-AD model suggests that the economy will always return to its potential GDP level, indicating no inflationary or recessionary gaps.
Supply shocks, such as changes in oil prices or natural disasters, can shift the AS curve, resulting in changes in output and prices. These shocks can have both positive and negative impacts on the economy, depending on their magnitude and duration.
Overall, AS-AD analysis provides a framework for policymakers to understand and manage macroeconomic conditions, such as inflation, unemployment, and economic growth.
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benefits of division of labour to an organisation
There are many benefits of the division of labour to an organisation:
1) Productivity
2) Cheap Company Products.
3) New Ideas and Innovation.
Including these Positive points, there are some disadvantages of the division of labour for an organisation.
Target market demographics can help you determine which ____________________ would be most effective for marketing.
A) business card fonts
B) social media platforms
C) style of flyers
Target market demographics can help you determine which social media platforms would be most effective for marketing. Thus, the correct answer is option B.
A target market is a group of people who have been selected as the most likely potential purchasers for a product based on factors such as age, income, and lifestyle.
When a company creates, packages, and advertises its product, identifying the target market is an important element of the decision-making process and helpful in marketing. Everyone who can be defined as belonging to a given age group, income level, gender, occupation, and education level is included in the target market demographics.
Therefore, the appropriate answer is option B.
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A water desalination plant can produce 2 x 10^6 gallons of water in one day. How many gallons can it produce in 77 days? Write your answer in scientific notation.
If a water desalination plant can produce 2 x 10^6 gallons of water in one day, then in 77 days, it produces 1.54 x 10^8 gallons of water.
Given,
Gallons of water produced per day = 2 x 10^6
No of days = 77
To find out the number of gallons of water the plant can produce in 77 days, we should multiply the daily production by the number of days.
2 x 10^6 gallons/day x 77 days = 1.54 x 10^8 gallons
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What is one major problem created by globalization?
A. An increase in international shipping has led to more pollution.
B. Fewer workers are able to get an education related to their jobs.
C. Military conflicts between powerful nations have increased.
OD. It has become more difficult to get products made in other
countries.
1. What do you know about preparing and filing taxes? (List any ideas you have
or what you have heard)
Here are some general ideas and concepts related to taxes:
Taxes are a mandatory financial obligation that individuals and businesses are required to pay to the government.
Income tax is the most common type of tax that individuals must pay on the money they earn from various sources, such as employment or investment income.
Tax preparation involves collecting all necessary financial information, calculating taxable income, and determining how much tax is owed to the government.
There are various tax forms that individuals and businesses need to fill out, depending on their financial situation and the type of taxes they owe. Some common tax forms include the 1040, 1099, W-2, and Schedule C.
Tax deductions and credits are available to reduce the amount of tax owed. Common deductions include charitable donations, mortgage interest, and state and local taxes.
Tax filing deadlines vary based on the type of tax and the jurisdiction. In the United States, the federal income tax filing deadline is typically April 15, unless there is a holiday or other special circumstances that affect the deadline.
Failing to file or pay taxes can result in penalties and interest charges, and in severe cases, legal action by the government to collect the owed taxes.
Professional tax preparers, such as accountants and tax attorneys, can assist individuals and businesses with tax preparation and filing, but there are also tax software programs and online resources available for individuals who prefer to do their own taxes.
Marks Corporation has two operating departments, Drilling and Grinding, and an office. The three categories of office expenses are allocated to the two
operating departments using different allocation bases. The following information is available for the current period:
office Expenses
Salaries
Depreciation
Advertising
Department
Drilling
Grinding
Total
Total
$ 42,000
22,000
45,000
Number of employees
1,200
1,800
3,000
Allocation Basis
Number of employees
Cost of goods sold
Percentage of total sales
Sales
$ 340,000
510,000
$ 850,000
Cost of goods sold
$ 95,000
155,000
$ 250,000
Marks Corporation uses different allocation bases to distribute office expenses to its two operating departments, Drilling and Grinding.
Explanation:To allocate office expenses to the two departments, Drilling and Grinding, Marks Corporation uses different allocation bases. The allocation bases used are the number of employees, cost of goods sold, and percentage of total sales. By using these bases, the office expenses can be distributed proportionately to the two operating departments based on relevant criteria. For example, the office expenses related to salaries can be allocated based on the number of employees in each department.
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Which of the following best explains the preparation of a statement of
owner's equity for a service business and the statement of owner's equity for
a merchandising business?
OA. Only a service business includes net income and beginning
capital.
B. Only a merchandising business includes ending capital.
C. Both types of business prepare the statement the same way.
D. Neither type of business includes owner withdrawals.
The option that best explains the preparation of a statement of owner's equity for a service business and the statement of owner's equity for a merchandising business is option A. Only a service business includes net income and beginning capital.
What is a Statement of Owner's Equity?This is a statement of owner's equity is a one-page report showing the difference between total assets and total liabilities, resulting in the overall value of owner's equity over a period of time.
With this in mind, it can be seen that the correct answer to the given question is option A as explained above.
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How can a companies sales people help with product development?
A company's sales people can help with product development as they can be a source of ideas. The right answer is B.
Product development, is the process of conceptualising, designing, developing, and selling freshly produced or recently relaunched goods and services. The entire process of creating a product, from conception through market launch, is referred to as product development. Salespeople represent their companies by adding value for the clients of their companies.
They also help by taking charge of relationships, returning to their organisations the knowledge of their markets and customers. Sales provide vital customer and market analysis data for the needs of the product, as well as supplementary data like product feedback and potential improvement suggestions to product development.
The correct answer is option B.
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The question seems incomplete. The complete question is:
How can a company's salespeople help with product development?
A.They do not have a role in product development.
B.They can be a source of ideas.
C.They can sell new products.
D.They can create a prototype.
HELPPPP ASAPPP!!!!! Have you ever wanted to propose a business idea, service, or product? If you were to run your own business, what would it be? How would you persuade potential buyers that your product or service was worth their time and money?
To persuade buyers that my product is worth their resources, I would focus on building trust and showcasing the value my business brings to their lives.
How can I build trust and showcase value to potential buyers?To build trust, I would likely prioritize transparency and honesty in all my interactions with customers which would include being clear about what my product or service can and cannot do and making sure that I am always delivering on my promises.
I would also make sure that my business has a strong online presence with a well-designed website and active social media accounts where customers can easily find information about my product or service.
To showcase value my business brings, I would highlight unique benefits of my product and provide evidence of its effectiveness through customer testimonials and case studies.
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Axei plc, a leading producer of quality cements in Ghana has recently identified a positive not present value project.As a financial advisor of the company, you think the company needs to sell bonds in order to raise the needed money to excute the project.Concisely and unambiguously, Discuss the steps and process the company has to go through in order to sell bonds in Ghana
To sell bonds in Ghana, Axei plc must follow certain steps and processes. First, the company needs to appoint an issuing house, which is a licensed broker-dealer, to manage the bond issuance.
The issuing house will then conduct due diligence on the company to determine its creditworthiness and structure the bond issue.
Next, Axei plc will prepare a prospectus detailing the terms and conditions of the bond issue, including the amount of the bond, the interest rate, and the repayment schedule. The prospectus will be filed with the Securities and Exchange Commission (SEC) for approval.
Once approved,Axei plc the bond issue will be marketed to potential investors through roadshows and other promotional activities. Investors will then subscribe to the bond issue through the issuing house.
Finally, once the bond issue is fully subscribed, Axei plc will receive the proceeds and use them to finance the identified project. The company will then make periodic interest payments to bondholders until the bond matures and the principal is repaid.
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1. Which of the following is not a step of the process of Controlling?
a. Setting Objectives
b. Analyzing deviations
c. Comparing actual performance with the standards
d. Establishing relationship of Planning and Controlling
e. Controlling
Harrison Company calculated the following amounts concerning its financial information for the years ending December 31, 2017 and 2016: Current ratio Net Profit margin 2017 3.1 to 1 22% 2016 2.0 to 1 18% Required: SHOW YOUR WORKINGS 1- Examine Harrison's ratios. Is the change in the current ratio favorable or not? Explain your answer. (2 points) 2- Examine Harrison's ratios. Is the change in the net profit margin favorable or not? Explain your answer. (2 points)
The current ratio has increased from 2.0 to 1 in 2016 to 3.1 to 1 in 2017. A higher current ratio indicates that the company has more current assets available to pay off its current liabilities.
To determine whether the change in the current ratio is favorable or not, we need to compare the ratios for 2017 and 2016.
Current Ratio = Current Assets / Current Liabilities
2017 Current Ratio = 3.1 to 1
2016 Current Ratio = 2.0 to 1
This is generally seen as favorable, as it suggests that the company is in a better position to meet its short-term obligations. Therefore, the change in the current ratio is favorable for Harrison Company.
To determine whether the change in the net profit margin is favorable or not, we need to compare the ratios for 2017 and 2016.
Net Profit Margin = Net Profit / Total Revenue
2017 Net Profit Margin = 22%
2016 Net Profit Margin = 18%
The net profit margin has increased from 18% in 2016 to 22% in 2017. A higher net profit margin indicates that the company is generating more profit for each dollar of revenue it generates. This is generally seen as favorable, as it suggests that the company is more efficient in managing its costs and generating profit. Therefore, the change in the net profit margin is favorable for Harrison Company.
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PLEASE ANSWER FAST
DUE TODAY
You are writing an information guide for young students titled Banking in the United States Made Easy!
Explain each of the following terms in your own words.
Currency -
Interest -
Money supply -
Profit -
Stock -
Answer each of the following questions in complete sentences.
Banks are businesses. Like other businesses, they seek profit. How do they earn profit?
Why might an individual want to use a bank? Give an example of why a person would use a bank.
Why might a business want to use a bank? Give an example of why a business owner would use a bank.
What is the Federal Reserve?
The money supply is the total amount of money available in the economy. How do changes in the money supply affect people and businesses?
How does banking affect the money supply?
What would happen if banking didn’t exist?
This chart shows a sequence of causes and effects in how banking can affect society. Complete the chart by selecting the correct word.
1. The Fed reduces interest rates.
2. Banks will make (more or fewer?) loans.
3. The money supply (increases or decreases?).
4. People and businesses are (more or less) likely to spend and borrow money.
5. The number of jobs will (decrease or increase?).
6. People will buy (more or fewer?) cars, homes, and fun stuff.
7. Growth of the economy speeds up.
8. Inflation will (decrease or increase?).
Answer:
Currency - Currency refers to the paper money and coins that are used to buy goods and services in the United States.
Interest - Interest is the fee that is charged by a bank when a person or a business borrows money. It is the cost of borrowing money.
Money supply - Money supply refers to the total amount of money available in the economy, including cash, coins, and bank deposits.
Profit - Profit is the money that a business makes after all its expenses have been paid. It is the amount that is left over.
Stock - A stock is a share in the ownership of a company. When someone buys a stock, they own a small part of the company.
How do banks earn a profit?
Banks earn a profit by charging interest on loans and by investing the money that people deposit in their accounts.
Why might an individual want to use a bank?
An individual might want to use a bank to keep their money safe, to earn interest on their savings, or to take out a loan to buy a car or a home.
Why might a business want to use a bank?
A business might want to use a bank to keep its money safe, to borrow money to invest in the business, or to process payments from customers.
What is the Federal Reserve?
The Federal Reserve is the central bank of the United States. It is responsible for regulating the country's financial system, including setting monetary policy and supervising banks.
How do changes in the money supply affect people and businesses?
Changes in the money supply can affect people and businesses by causing inflation, which is a general increase in prices, and by affecting interest rates.
How does banking affect the money supply?
Banking affects the money supply by creating and destroying money through the process of lending and borrowing.
What would happen if banking didn’t exist?
If banking didn't exist, people would have to keep their money in their homes or in other places, and businesses would have to find other ways to borrow money and process payments.
1. The Fed reduces interest rates.
2. Banks will make more loans.
3. The money supply increases.
4. People and businesses are more likely to spend and borrow money.
5. The number of jobs will increase.
6. People will buy more cars, homes, and fun stuff.
7. Growth of the economy speeds up.
8. Inflation will increase.
Explanation:
Attempts
Do No Harm/1
7. Identifying costs of inflation
Jin manages a grocery store in a country experiencing a high rate of inflation. To keep up with inflation, he spends a lot of time every day updating the
prices, printing new price tags, and sending out newspaper inserts advertising the new prices. His employees regularly deal with customer annoyance
of inflation.
over the frequent price changes. This is an example of the
As his employees regularly deal with customer annoyance over the frequent price changes. This is an example of Menu Costs of inflation.
What does Menu Costs of inflation means?This means the expenses incurred by businesses in adjusting their prices to keep up with inflation. These costs can include the time and effort required to change prices such as updating menus, printing new price tags, or reprogramming computer systems.
It also extends to potential loss of customers who are unhappy with price increases and the costs of marketing and advertising price changes. Inflation can lead to more frequent price adjustments which can be a significant burden for small businesses, so, menu costs of inflation are seen as one of the costs of inflation that can harm economic growth and stability.
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Campbell Inc. produces and sells outdoor equipment. On July 1, 20Y1, Campbell issued $14,000,000 of 10-year, 11% bonds at a market (effective) interest rate of 9%, receiving cash of $15,821,074. Interest on the bonds is payable semiannually on December 31 and June 30. The fiscal year of the company is the calendar year.
Compute the price of $15,821,074 received for the bonds by using the present value tables.
Present value of the face amount:
Present value of the semiannual interest payments:
Price received for the bonds:
Answer:
Present value of the face amount:
The face amount of the bonds is $14,000,000. To calculate the present value of the face amount, we need to use the present value of 1 table. The present value factor of $1 for 10 periods at 9% is 0.42240. Therefore, the present value of the face amount is:
Present value of face amount = $14,000,000 x 0.42240 = $5,913,600
Present value of the semiannual interest payments:
The bonds have a stated interest rate of 11%, and the interest is paid semiannually. Therefore, the periodic interest rate is 5.5% (11% / 2). The semiannual interest payment is calculated as:
Semiannual interest payment = Face amount of bonds x Periodic interest rate
Semiannual interest payment = $14,000,000 x 5.5% = $770,000
To calculate the present value of the semiannual interest payments, we need to use the present value of an annuity of 1 table. The present value factor of an annuity of 1 for 20 periods at 4.5% is 12.92527. Therefore, the present value of the semiannual interest payments is:
Present value of semiannual interest payments = $770,000 x 12.92527 = $9,953,482.90
Price received for the bonds:
The price received for the bonds is the sum of the present value of the face amount and the present value of the semiannual interest payments. Therefore, the price received for the bonds is:
Price received for the bonds = Present value of face amount + Present value of semiannual interest payments
Price received for the bonds = $5,913,600 + $9,953,482.90 = $15,867,082.90
Therefore, the price received for the bonds is $15,867,082.90.
Explanation:
A marketing researcher wants to estimate the mean amount spent ($) on a certain retail website by members of the website's premium program. A random sample of 95 members of the website's premium program who recently made a purchase on the website yielded a mean of $1100 and a standard deviation of $150
Construct a 90% confidence interval estimate for the mean spending for all shoppers who are members of the website's premium program.
The range of $1077.93 to $1122.07 is the 90% confidence interval estimate for the mean spending for all users of the website's premium program.
The formula used to calculate CI is given:
CI = x ± z × (σ ÷ √n)
x = sample mean ($1100), y = population standard deviation ($150), n = sample size ($95), and z = z-score for the desired degree of confidence (a z-score of 1.645 for a level of confidence of 90%).
Using the parameters entered, we obtain:
CI = 1100 1.645 × (150 ÷ 95)
CI = 1100 ± 22.07
As a result, the range of the mean expenditure for all customers who are premium program members of the website is $1077.93 to $1122.07. 90% of the time, the genuine mean amount spent by premium program participants on the website will fall within this range.
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SOLVE USING EXCEL
You are considering investing in a project that requires an initial investment
of $500,000. The project is expected to generate cash flows of $100,000 per year for the next 10
years, however, at the end of the fifth year, the project will require an additional investment of
$60,000 to continue operations for another 5 years. At the end of the tenth year, the project has an
expected salvage value of $180,000.
We assume $250,000 is borrowed at 12.5% annual compound interest and repaid in 10 years.
We will use a 10-year planning horizon, a 21% tax rate, an 10.5% BTMARR, and DDB
depreciation method.
Determine ATMARR, and then the preferred payment plan based on ATPW and determine the
ATFW, ATAW, ATIRR, and ATERR for each of the following four plans:
a) Plan 1: Pay interest each period, but make no principal payment until the end of the loan
period
b) Plan 2: Make equal end-of-period principal payments and pay interest each period on
the unpaid balance at the beginning of the period
c) Plan 3: Make equal end-of-period payments over the loan period
d) Plan 4: Make no payment until the end of the loan period
The percentage of inflow that is paid in taxes is known as the average tax rate (or effective tax rate) for a taxpayer. The tax rate levied on a taxpayer's final dollar of income, however, is known as their marginal tax rate.
ATMARR stands for After-Tax Marginal Average Rate of Return. To calculate ATMARR, we need to first calculate the after-tax cash flows for each year of the project:
Year 1:
Cash inflow: $100,000
Taxable income: $100,000 - $50,000 (depreciation) = $50,000
Taxes: $10,500
After-tax cash flow: $89,500
Year 2-4:
Cash inflow: $100,000
Taxable income: $100,000 - $50,000 (depreciation) = $50,000
Taxes: $10,500
After-tax cash flow: $89,500
Year 5:
Cash inflow: $100,000
Taxable income: $100,000 - $50,000 (depreciation) = $50,000
Taxable income with additional investment: $100,000 - $50,000 (depreciation) - $60,000 (investment) = -$10,000
Taxes: $0
After-tax cash flow: $100,000 - $60,000 = $40,000
Year 6-10:
Cash inflow: $100,000
Taxable income: $100,000 - $50,000 (depreciation) = $50,000
Taxes: $10,500
After-tax cash flow: $89,500
Salvage value:
Cash inflow: $180,000
Taxable income: $180,000 - $95,000 (book value) = $85,000
Taxes: $17,850
After-tax cash flow: $162,150
Now we can calculate the ATMARR using the after-tax cash flows and the initial investment:
NPV = -$500,000 + $89,500/(1+ATMARR)^1 + $89,500/(1+ATMARR)^2 + $89,500/(1+ATMARR)^3 + $40,000/(1+ATMARR)^4 + $89,500/(1+ATMARR)^5 + $89,500/(1+ATMARR)^6 + $89,500/(1+ATMARR)^7 + $89,500/(1+ATMARR)^8 + $89,500/(1+ATMARR)^9 + $162,150/(1+ATMARR)^10
Solving for ATMARR using a financial calculator or spreadsheet software gives us a value of approximately 12.6%.
To determine the preferred payment plan based on ATPW, we need to calculate the present value of the cash inflows using the ATPW formula:
ATPW = (1 - (1 + i)^(-n)) / i
where i is the interest rate (10.5%), and n is the number of years (10).
ATPW = (1 - (1 + 0.105)^(-10)) / 0.105
ATPW = 6.746
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To increase available capital, Bengal issued 1,000 bonds with a stated interest rate of 5% and face value of $10,000 per bond. The bonds will make monthly interest payments at the end of each month and mature in 5 years. The market rate of interest for similar bonds at the time of issuance was 6%. Calculate the bond issuance price, and record the sale/issuance of all 1,000 bonds.
Record the first interest payment made on the bonds issued in transaction.
Answer: To calculate the bond issuance price, we can use the present value formula:
PV = FV / (1 + r/n)^(n*t)
where PV is the present value of the bond, FV is the face value of the bond, r is the annual interest rate, n is the number of compounding periods per year, and t is the number of years until maturity.
In this case, FV = $10,000, r = 6%, n = 12 (since the interest payments are monthly), and t = 5 years. We can solve for PV:
PV = $10,000 / (1 + 0.06/12)^(12*5) = $8,530.46
So the bond issuance price is $8,530.46 per bond.
To record the sale/issuance of all 1,000 bonds, we would debit Cash for $8,530,460 and credit Bonds Payable for $10,000,000, and the difference of $1,469,540 would be credited to the Discount on Bonds Payable account.
To record the first interest payment made on the bonds issued, we would debit Interest Expense for $42,652.30 (which is 1/12 of the annual interest rate of 5% multiplied by the face value of $10,000,000) and credit Cash for $83,333.33 (which is 1/12 of the face value of $10,000,000 multiplied by the annual interest rate of 5%).
Explanation:
The meal plan at University A lets students eat as much as they like for a fixed fee of $500 per semester. The average student there eats 250 pounds of food per semester. University B charges $500 for a book of meal tickets that entitles the student to eat 250 pounds of food per semester. If the student eats more than 250 pounds, he or she pays $2 for each additional pound; if the student eats less, he or she gets a $2 per pound refund. If students are rational, at which university will average food consumption be higher? Explain briefly.
The Cambro Foundation, a nonprofit organization, is planning to invest $209710 in a project that will last for three years. The project will produce net cash inflows as follows:
Year 1 $ 65000
Year 2 $ 79000
Year 3 ?
Assuming that the project will yield exactly a 7% rate of return, what is the expected net cash inflow for Year 3?
solve for the cash inflow in Year 3.
The present value of an investment is the current value of all future cash inflows discounted at the required rate of return. For this problem, we can use a discount rate of 7%.
The present value of the investment can be calculated as follows:
PV = Year 1 cash inflow / (1 + r)^1 + Year 2 cash inflow / (1 + r)^2 + Year 3 cash inflow / (1 + r)^3
where r is the discount rate.
Substituting the given values, we get:
$209710 = $65000 / (1 + 0.07)^1 + $79000 / (1 + 0.07)^2 + Year 3 cash inflow / (1 + 0.07)^3
Simplifying the equation, we get:
Year 3 cash inflow / (1 + 0.07)^3 = $209710 - $65000 / (1 + 0.07)^1 - $79000 / (1 + 0.07)^2
Year 3 cash inflow / (1 + 0.07)^3 = $32825.66
Multiplying both sides by (1 + 0.07)^3, we get:
Year 3 cash inflow = $32825.66 x (1 + 0.07)^3
Year 3 cash inflow = $32825.66 x 1.225
Year 3 cash inflow = $40205.09
Therefore, the expected net cash inflow for Year 3 is $40205.09.