Discount points paid increases the yield of: Select one: a. Brokers. b. Lenders. c. Sellers. d. Buyers.

Answer:

d. 44%

Explanation:

Calculation to determine what DTI ratio is

First step is to calculate the Debt

Using this formula

Debt = (Rent expense + Carr payment + Loan + Credit card payment) × Number of months in a year

Let plug in the formula

Debt =[($695 + $265 + $200 $160) × 12 months]

Debt= $1,320 × 12 months

Debt = $15,840

Now let calculate DTI ratio using this formula

Using this formula

Debt to income ratio = (Debt) ÷ (Income) × 100

Let plug in the formula

DTI ratio=[ ($15,840 ÷ $36,000) × 100]

DTI ratio=0.44*100

DTI ratio= 44%

Therefore DTI ratio is 44%

Answer:

I found the missing data:

Monthly expenses:  

rent is $695

car payment is $265

student loan's $200

credit cards $160

695 + 265 + 200 + 160 = 1,320

1,320 * 12 months = 15,840

Debt-to-Income ratio = 15,840 / 36,000

Debt-to-Income ratio = 0.44

Trudy's DTI ratio is d. 44%

Explanation:

All credit to BlueSky06 for this answer.

Answer:

D

Explanation:

For the input market, the resources come from land, labor, and capital of households. Hence, Option D is correct.

There are two types of market, one is input and the second is output. The input market is known as the factor market and the output market is known as the product market. It is the input market, which is used in the production of the products and goods.

The output market is the place where goods and services are exchanged. In the factor market or the input market, all the resources like labor, capital, and land are used by the businesses to purchase, rent, or hire what they need in order to produce goods or services.

With the increase in the input prices, the supply curve from the right shifts to the left which is of the final good market and it results in the price of the final good increases.

Thus, Option D is correct.

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Answer:

a. selling identical items.

Explanation:

A pure competition market is characterized by many firms selling a homogeneous product in a market with many buyers. There are no dominant suppliers; hence no single or group of sellers can influence the price.  Pure competition is also the perfect competition.

The key characteristics of pure competition are

A. selling identical items.

Answer:

The most common reason people launch their own business is to be their own boss. Other benefits include flexibility, financial rewards, the opportunity to innovate, and a chance to impact your community. Still, there are serious risks to launching your own business, and you should carefully consider and plan before you take the leap.

Explanation:

A lump sum purchase of land, building, and equipment was acquired by Pittsfield Sound Center for $220,000. The market value of the land was $115,000, the building was $92,000, and the equipment was $23,000.

A compound journal entry would be used to record the purchase of these assets at a total cost of $220,000, which is the amount for which the business signed a note payable.

Journal entry for the purchase of assets:

Debit: Land $115,000
Debit: Building $92,000
Debit: Equipment $23,000
Credit: Note Payable $220,000

The above entry records the acquisition of land, building, and equipment by debiting these assets and crediting the note payable. The journal entry reflects the purchase of assets using a single, lump-sum amount of $220,000. By using a single journal entry to record the purchase, the accountant saves time, effort, and space in the general ledger.

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Answer:

Workforce diversity

Explanation:

Workforce diversity refers to similarities and differences between employers and employees in terms of their race, religion, gender, perspectives and opinions.

Diversity is important for every industry, organization, and company since people have different perspective and views, they approach business problems differently, leading to different solutions. Diversity leads to increase profits, creativity, wide range of skills e.t.c.

Answer: A. employees will be more able to handle increasing responsibilities.

Explanation:

Lifelong learning refers to the ongoing pursuit of knowledge for personal or professional reasons. When a person is a lifelong learner, such person has a growth mindset and pushes himself or herself to find new ideas to solve challenges.

Several organizations encourage their employees to be lifelong learners in order for such employees to be able to handle increasing responsibilities. Some organizations send their employees to study some courses which will help in their growth and development and also to be able to handle certain responsibilities.

A dispute between a firm and its stockholders over what to do with a $10 million surplus would likely be analyzed using the cooperative game theory as an application of multistage games.

Cooperative game theory focuses on situations where players can form coalitions and negotiate agreements to maximize their joint benefits. In the context of a dispute between a firm and its stockholders, this framework would examine how the parties can work together to allocate the $10 million surplus in a mutually beneficial manner.

Through cooperative game theory, various negotiation and bargaining strategies can be explored to reach a fair distribution of the surplus. This may involve analyzing different proposals, assessing the preferences and priorities of each party, and finding a cooperative solution that maximizes the overall satisfaction and welfare of both the firm and its stockholders.

By employing cooperative game theory in this scenario, the aim is to achieve a collaborative outcome that addresses the interests and concerns of all stakeholders involved.

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The migration of people from Seattle to Portland has led to a significant increase in the number of cars with Washington State license plates in Portland, indicating a population shift between the two cities.

In Portland, migration increases utility due to economies of scale. As more people migrate to Portland, the city's population grows, leading to increased economic opportunities, access to amenities, and a broader social network.

These factors contribute to an overall improvement in the quality of life and utility for individuals in Portland.

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The information technology creates the major growth, better economic policy in the economy

The term Information technology simply said that IT is the creation, process, storage, security, and sharing of all types of electronic data using computers, collection, connectivity, and various physical devices, infrastructure, and procedures.

Here we need to find the impact created by information technology on economy.

Here we have listed down the impacts as follows:

This one has allowed economists to better predict how resources should be allocated.

And this will also assisted governments to make better economic policy decisions.

Finally it helps in the expanded growth and outlook in information technology careers.

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Answer:

true

Explanation:

Answer:

Adequate information

Explanation:

Both the buyers and sellers must have access to adequate information. Information are both vital for both the buyers and sellers. For the buyer, it influences their decision making and buying choice. For the seller, it helps them to know the trending buyer need. Hence, for a perfectly competitive market to function well, the buyer and seller must have access to adequate information.

The Big Apple Circus' approach to marketing is an example of strategic marketing. To marketing aligns with strategic marketing principles by employing careful planning, market analysis, targeted messaging, differentiation, and ongoing evaluation to achieve its marketing goals.

Strategic marketing involves the long-term planning and implementation of marketing strategies to achieve the company's objectives. The Big Apple Circus demonstrates this approach through its thoughtful and calculated marketing efforts.

The circus strategically analyzes its target audience, identifies their preferences and interests, and tailors its marketing messages and promotional activities to appeal to them. By understanding their target market, the Big Apple Circus can allocate its resources effectively and maximize the impact of its marketing campaigns.

Moreover, strategic marketing involves positioning the brand and creating a unique value proposition in the market. The Big Apple Circus may focus on its distinctive performances, family-friendly atmosphere, or community engagement to differentiate itself from competitors and attract its target audience.

Strategic marketing also entails monitoring market trends, evaluating the circus's performance, and adapting marketing strategies accordingly. The Big Apple Circus likely conducts market research, analyzes customer feedback, and measures the effectiveness of its marketing initiatives to continuously refine its approach and stay competitive.

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Answer:

C) medium of exchange.

Explanation:

Exchange the money for a good. The physical paper does not represent anything, its value is only based on an exchange. This is why the Mongolian fish market is currently booming. Mongolian fish are BOTH a medium of exchange and also a physical good of an immense value. Make sure to write this down as your prof will likely ask you questions about it.

Strategic goals and plans play a critical role in the planning process of an organization. They provide a clear direction and vision for the organization to achieve its long-term objectives.

The strategic goals and plans define the overall purpose and scope of the organization, its values, and its desired outcomes. They also provide a roadmap for the organization to align its resources and efforts toward achieving its goals.

In the planning process, strategic goals and plans provide a framework for decision-making and resource allocation. They help identify areas of focus, prioritize initiatives, and guide the allocation of resources toward achieving specific outcomes. This enables organizations to make more informed decisions and use resources effectively and efficiently.

Moreover, strategic goals and plans provide a basis for measuring and evaluating the performance of an organization. They define clear, measurable targets and outcomes, which allow organizations to monitor progress toward achieving their goals and assess the effectiveness of their strategies.

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The statement "it is possible to make money on a mutual fund by purchasing shares at a high price and then selling them at a low price at a later date" is FALSE.

In general, the objective of investing in a mutual fund is to generate a profit by purchasing shares at a lower price and selling them at a higher price in the future. By selling shares at a higher price than the purchase price, investors can realize a capital gain and make a profit.

If an individual purchases mutual fund shares at a high price and later sells them at a lower price, they would experience a capital loss, resulting in a decrease in their investment value. This would lead to a financial loss rather than making money on the investment.

It's important to note that the value of mutual fund shares can fluctuate based on market conditions, performance of the underlying assets, and other factors. Investors typically aim to sell their shares at a higher price than the purchase price to achieve a positive return on their investment.

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Answer:

Financial Analysis

Explanation:

Just trust moi ;)

Answer: He incur $10 per share for tax purposes.

Explanation:

Formula to calculate a gain or loss for tax purposes:

Gain or Loss for tax purposes = proceeds - cost basis

Cost per share = $ 60

After 2 for 1 stock split, the value of per share = (Cost per share) ÷2

= ($60) ÷2 = $30

Sale price of a share = $40

Since, $40 > $30, i.e. Sale price> Cost per share .So its a gain.

Gain=  $40 - $30 = $10

Hence, he incur $10 per share for tax purposes.

Solution :

Given

P = 75 x + 40 y

The constraints are

\($x+y \leq 18$\) .........(i) and          

\($4x+y \leq 24$\) .......(ii)

Solving (i) and (ii), we get

x = 2 and y = 16

Now

\($x+y \leq 18$\)   (total arrangement less than equal to 18)

\($4x+y \leq 24$\)   (total person hours less than equal to 24)

Maximum profit = 75 (2) + 40(16)

                          = 790

From the graph, the point of intersection and points that is plotted in between numbers between the 10 units on x-axis and y-axis are used in the graph.

So,

\($x+y \leq 18$\)  became \($x+y \geq 18$\)

\($4x+y \leq 24$\)   became  \($4x+y \geq 24$\)

\($x \geq 0$\)   became  \($x \leq 0$\)

\($y \geq 0$\)  became  \($y \leq 0$\)

So now the profit at point (0, 18) = 75(0)+40(18) = 720

Profit at point (6,0) = 75(6)+40(0) = 450

Profit at intersection point (2,16) = 75(2)+40(16)

                                                     = 150 + 640

                                                     = 790

Maximum profit = 790

So maximum profit is attained when 2 wreath are built and sold and 18 center pieces are built and sold.      

The necessities would be last month's gasoline for the car, while the expenses would be fast food, movie and amusement park tickets.

Needs are a term that refers to the goods and services that a person needs in a fixed way for their daily life, some examples are:

According to the above, it can be inferred that car gasoline is a necessity because it is a means of transportation that we can use to go to our work or place of study.

On the other hand, expenses are the goods and services that are not necessary for our daily lives but that we acquire for leisure and entertainment purposes. For example:

Based on the above, it can be inferred that movie tickets, fast food, and amusement park tickets are expenses.

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Answer: email marketing

Explanation:

Email marketing is the act of promoting a business, a product or anything worth promoting or an exchange of mail. This emails are sent to existing and prospective customers either telling them of this new product or promoting existing goods and services. Zappos utilizes email marketing for this promotion.

Answer:

a) k = $1734.86 per year

b) $5244.02

Explanation:

Principal ( borrowed ) = $6900

Annual interest rate = 18%  ( compounded continuously )

Borrower makes a continuous payment at a constant rate : $k per year

a) Determine payment rate required to payoff loan ( in 7 years )

let loan at time ( t ) = x

x = $6900 , at t = 0

rate of increase of loan amount = 0.18x

rate of decrease of loan amount = k

∴ net change of loan x

= dx/dt = 0.18x - k  

hence ; dt = dx / ( 0.18x - k )

k = $1734.86 per year

attached below is a part of the solution

b) Determine how much interest is paid during 7-year period

Interest paid in 7 years

= Amount paid - principal amount

= ( 1734.86 * 7 ) - 6900

= $5244.02

The financial incentives which are paid to organizations in the healthcare sector to increase quality of models of care are called Performance-based payment programs.

These are programs that are meant to increase the quality of care offered to people by the health care sector.

They involve paying health care organizations financial incentives to come up with better ways of giving care.

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Answer:

throw them out

Explanation:

food can become contaminated you cannot re-serve to another customer

If such a situation should occur where the server finds dinner rolls after the customer has left, the appropriate thing to do is to remove the napkin from the basket and discard the rolls.

FDA food codes were made to reduce the risk of food being contaminated so as to reduce health risks to others.

When a server find a napkin lined basket with dinner rolls, they should remove the napkin and replace it with another in the basket. They should also discard the rolls instead of offering it to someone else as the rolls could be contaminated.

In conclusion, the server should remove the napkin and discard the rolls.

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The current yield of the bond is 3.72%.

We can see that the bond has a very long time to maturity of 227 years and 10 months.

To calculate the current yield of a bond, we use the formula:

Current Yield = (Annual Interest Payment / Current Market Price) x 100%

Where,

Annual Interest Payment = Coupon Rate x Face Value

In this case, the coupon rate is 3.8%, and the face value is $1000 (assumed). Therefore,

Annual Interest Payment = 3.8% x $1000 = $38

The bond is quoted at a price of 102.08, which means it is trading at a premium (above par value). Therefore, the current market price is $1,020.80 (102.08% of $1000).

Plugging in the values, we get:

Current Yield = ($38 / $1,020.80) x 100% = 3.72% (rounded to 2 decimal places)

To calculate the time to maturity of the Ford bond, we need to calculate the number of days from November 16, 2014, to May 15, 2097.

Number of days to maturity = (2097 - 2014) x 365 + (31 + 28 + 31 + 30 + 31 + 30 + 31 + 31 + 15)

= 83,270 days

To convert this to years and months, we divide the number of days by 365:

Years to maturity = 83,270 / 365 = 227.85 years

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Modern portfolio theory has a significant impact on the field of investment management within the financial services industry.

Investment managers use modern portfolio theory to construct diversified portfolios that optimize risk and return based on their clients' investment objectives, risk tolerance, and time horizon.

By using modern portfolio theory, investment managers can help their clients achieve their financial goals while minimizing risk.

Other career disciplines in the financial services industry, such as financial planning, risk management, and corporate finance, may also use elements of modern portfolio theory in their work, but the theory's greatest impact is in the field of investment management.

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Answer:

True.

Explanation:

An important distinction should be made between a firm's core product and its actual product. While the core product may be a compact disc (CD) that contains an antivirus software program, the actual product may have a number of characteristics, including a quality level, features, design, a brand name, and packaging.

A core product refers to the core competencies associated with a particular product or service and it represents the benefits it brings to a customer.

An actual product can be defined as the tangible part (aspects) of a product and it typically relates to its quality, features, styling, packaging, and brand name.

Answer:

Amount of the loan origination fee = $7,500

Explanation:

Given:

Purchase cost of house = $500,000

Down payment cost = $50,000

Lender charges point = 1.5 points[%]

Find:

Amount of the loan origination fee

Computation:

Amount of the loan origination fee = Purchase cost of house x Lender charges point

Amount of the loan origination fee = 500,000 x 1.5%

Amount of the loan origination fee = $7,500

The entry of new coffeehouses into a market can have a negative impact on the profits of existing coffeehouses.

With more competition, customers have more options to choose from, leading to a potential loss of customers for existing coffeehouses. This can lead to a decrease in revenue and profits.

However, the impact of new coffeehouses on existing ones depends on factors such as location, pricing, and quality of products and services. If an existing coffeehouse has a strong brand, loyal customer base, and competitive pricing, it may be able to withstand the competition and maintain its profits.

Ultimately, the success of existing coffeehouses in the face of new competition depends on their ability to differentiate themselves and offer unique value to customers.

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