A table produced by an amortisation calculator that lists each periodic payment made on an amortising loan is called an amortisation schedule.
What Is an Amortization Schedule?Loans that amortise over time have level payment amounts, but the amounts of interest and principal that go into each payment vary. A traditional mortgage is the best example of this kind of financing.
The principle and interest that make up each level payment until the loan is fully repaid at the end of its term are displayed on a loan amortisation schedule, which is the entire table of periodic loan payments.
In the early portion of the schedule, the majority of each payment goes toward paying interest; in the latter part of the schedule, the majority of each payment goes toward paying down the principal balance of the loan.
As a result, it is possible to quickly determine the loan's cost as well as how much principal and interest will be due during its period.
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Posttest
You travel sometimes for work and pay for some of your expenses out of your own pocket. At the end of the month
you have to submit an expense report, including your receipts, so you can be paid back for the money you have
spent. You resent the time it takes to complete the expense report, because you have a lot of trouble finding your
receipts at the end of the month.
What is the best way to deal with this situation?
A) Submit an expense report at the end of every trip so that you do not forget your receipts.
B) Take some time to record your expenses and file your receipts in one place after each trip.
C) Schedule extra time at the end of the month to locate your receipts.
D) Try to reduce your expenses so that you will have fewer receipts to locate.
Take some time to record your expenses and file your receipts in one place after each trip.
What is an expense report?An expense report is a segmented and in-depth account of costs that were incurred on behalf of the business. This report helps the employer or financial team determine the amount of the expense that is authorized for reimbursement, as well as how much money was spent and what was bought. Create a method for keeping track of expenses, sending in receipts, and reporting business costs. For real-time updates and to add information like photos of receipts for complete transparency, use digital solutions like online or mobile apps for corporate cost reporting.
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Germany has an absolute advantage over Spain in the production of automobiles, then this results from
Germany's ability to sell automobiles in Spain for less than the cost to produce in Spain
Germany's ability to produce more automobiles than Spain
Spain's ability to produce more automobiles than Germany
Germany's ability to produce automobiles at a lower opportunity cost than Spain
In terms of producing both items, Germany has a clear advantage.
What competitive advantage does Germany possess?
The industry in Germany is focused on the creation and manufacture of complex products, particularly investment goods and cutting-edge production techniques. The economy's innovation is thought to be what fuels Germany's economic potential.
What is an unquestionable production advantage?
Advantage absolue having the capacity to generate more of a good or service than a rival. Comparative advantage: The capacity of a producer to create a commodity or service for less than a rival.
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Jones Corporation purchased merchandise inventory with a 10%, 120 day note payable for $10,000. The company uses the perpetual inventory system.
The entry to record the purchase of the merchandise with the note would be:
If Jones Corporation purchased merchandise inventory with a 10%, 120 day note payable for $10,000. The company uses the perpetual inventory system. The entry to record the purchase of the merchandise with the note would be: Debit Merchandise Inventory 10,000, Credit Notes Payable 10,000.
How to prepare the journal entry?Based on the given transaction we have to debit Merchandise Inventory and credit Notes Payable.
Now let prepare the journal entry
Jones Corporation
Debit Merchandise Inventory $10,000
Credit Notes Payable $10,000
(To record purchase of the merchandise)
Therefore the entry is Debit Merchandise Inventory and Credit Notes Payable .
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Deciding how to use computers to improve business processes is the most important strategic decision a firm can make.a. Trueb. False
Answer:
a
Explanation:
computers make work easy and faster
Firms that adopt software as a service actually buy a system's software and hardware, so these systems become a fixed operating expense.a. Trueb. False
"Firms that adopt software as a service actually buy a system's software and hardware, so these systems become a fixed operating expense." This statement is True.
the software program is a hard and fast of laptop applications and associated documentation and data. this is in comparison to hardware, from which the device is constructed and which in reality plays the work. the software program is fixed of commands, facts or packages used to operate computer systems and execute specific responsibilities. it's miles the opposite of hardware, which describes the bodily factors of a laptop. software is a conventional term used to refer to applications, scripts and programs that run on a device.
There are distinct varieties of software that could run on a computer: device software, utility software program, and alertness software program.
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Which automobile policy do you believe will
have the highest premium (all other factors
being equal)?
a. Auto policy with $250 deductible
b. Auto policy with $500 deductible
c. Auto policy with $1,000 deductible
The correct answer is option C. Auto policy with $1,000 deductible, this implies that the vehicle owner will pay more premium for coverage
The question is as follows: Which automobile policy do you believe will have the highest premium (all other factors being equal)?
What is Premium?
In simple terms, a premium is a cost that is incurred above and above some fundamental or intrinsic worth. Relatedly, it is the cost associated with being shielded from a loss, risk, or injury (e.g., insurance or options contracts).
You will have $4000 in coverage if you choose a $1000 deductible. This demonstrates that even with a low deductible, your insurer offers greater coverage.
However, in order to offset the larger coverage, you will need to pay higher monthly rates.
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If a corporation pays $3 per share in annual dividends for each of the ten shares you purchase for $50 each what is the ROI
If a corporation pays $3 per share in annual dividends for each of the ten shares you purchase for $50 each then the ROI is 2$.
How is ROI calculated?An investment's return on investment (ROI) provides a general indication of its profitability. In order to calculate ROI, subtract the investment's initial cost from its final value, divide the result by the cost of the investment, and then multiply the result by 100.
What Constitutes a Solid ROI?For an investment in stocks, a yearly ROI of 7% or more is typically regarded as a respectable ROI. This also refers to the average annual return of the S&P 500 after accounting for inflation.
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in texas the court of criminal focuses on criminal cases, while the texas court focuses on civil cases.
In Texas, the Texas Supreme Court is the state's highest court for civil cases, while the Court of Criminal Appeals is the state's highest court for criminal cases.
Which Texas court hears civil cases exclusively?An amendment to the Texas constitution in 1891 established the fundamental framework of the state's current judicial system. The amendment established the Court of Criminal Appeals, which renders the last decision in criminal cases, and the Supreme Court, which is the highest state appellate court for civil matters.
Which Texas courts have jurisdiction over both criminal and civil law?District courts have original jurisdiction over all felony criminal cases, divorces, property title disputes, lawsuits involving election contests, civil claims involving $200 or more in damages, and other cases for which jurisdiction has not been assigned to another trial court.
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ryder loses her job because sales are slow at her firm, due to a general slowdown in the entire economy. this is an example of ____ unemployment.
Due to a broad slowdown in the global economy, Ryder loses her job as a result of slow sales at her company. An illustration of cyclical unemployment is this.
What one of the following best describes frictional unemployment?If an individual leaves their work voluntarily or is dismissed, they are considered to be frictionally unemployed. Frictionally unemployed people include recent graduates looking for their first job as well as other new workers.
What does economic cyclical unemployment mean?Cyclical unemployment is the amount of overall unemployment that is specifically brought on by periods of economic expansion and contraction. Typically, unemployment rises during recessions and falls during expansions.
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the demand for housing is characterized by a regular pattern of increasing to a peak, then falling. when the demand reaches a low point, it then repeats the pattern. this pattern usually takes place over a three- to five-year period. this is an example of which type of demand pattern? question 13 options: autocorrelation step change trend seasonality and cycles
Demand planning integrates inventory management, supply chain management, and sales forecasting to accomplish this goal.
What Is Demand Planning?To ensure that your company is able to meet client demand as efficiently as possible, demand planning involves examining sales as well as consumer patterns, historical sales data, and seasonality data.Demand planning integrates inventory management, supply chain management, and sales forecasting to accomplish this goal. It begins by predicting future demand using information from both internal and external sources. As a result, you can determine how much goods to buy or produce in order to satisfy that demand by using that projection to guide your sales and operations strategy.By assisting businesses in finding the ideal balance between adequate inventory levels and consumer demand, effective demand planning generates profit and increases customer happiness. That's not a simple objective, especially when it calls for cooperation throughout your entire firm. But the effects on business are important. Excess inventory restricts working capital, raises inventory carrying costs, and raises the likelihood that you'll be left holding low-value or outdated stock.To Learn more About Demand planning refer to:
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Lenders must report detailed information about loan transactions and demographic information concerning borrowers in order to prove that they are not discriminating. Which of the following laws creates that reporting requirement? a. Gramm-Leach-Bliley Act
b. HMDA
c. TILA
d. RESPA
Home Mortgage Disclosure Act laws creates that reporting requirement.
What is Home Mortgage Disclosure Act?
The Home Mortgage Disclosure Act (HMDA), which Congress enacted in 1975, requires certain financial institutions to collect, record, report, and disclose information about their mortgage lending activity.
The Home Mortgage Disclosure Act is a reporting law that helps the federal government determines whether lenders are meeting the housing needs of their communities and to identify discriminatory lending practices.
Pre-approvals and loans that were sold from one institution to another are also mentioned in the report. You may find out information on the loan, the property's features, the applicant's demographics, and the lender for each record. To preserve the privacy of applicants and borrowers, the data are modified.
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On January 1, Lang Inc. has 100,000 shares of stock issued and outstanding. The board of directors of Lang wants to authorize a large stock dividend. This means that they must authorize a stock dividend of at least ____ shares of stock
25,001 - A large stock dividend is a distribution of 25% of previously issued outstanding shares
The board of directors of Lang wants to authorize large stock dividend. This means that they must authorize a stock dividend of at least 25,000 shares of stock.
What is stock dividend?Additional shares of the corporation are given to the holders of common stock through a stock dividend to common stock dividend owners. Depending on their ownership stake in the firm, these dividends are given equally to the shareholders. Such distributions preserve the recipient's percentage ownership in the corporation. A common stock dividend is a payment made to holders of common stock from the company's profits. The payout can be received as cash or shares, just like regular dividends. When the payout involves a cash distribution that essentially amounts to a liquidation, the law may be able to control the common stock dividend's magnitude. These cash dividends could be used to cheat creditors.
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The exchange of a company's common shares for non-cash consideration should be recognized at the _____ value of the goods or services received.
The fair value of the products or services acquired should be recognized when a company's common shares are exchanged for non-cash consideration.
Unless the fair value cannot be accurately determined, the fair value of goods or services received in exchange for a share-based payment is quantified directly. In this scenario, the fair value is calculated using the fair value of the stock instruments given as consideration.
The fair value of an asset or obligation is best determined by observing market pricing for comparable transactions. A fair value is determined by examining what a nearly identical item has previously sold for. Assets are documented at their current worth, not their historical cost, on the day the value is computed.
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In traditional goal setting, goals set by top managers flow down through the organization and become subgoals for each organizational area. In the management by objectives (MBO) process of goal setting, goals are not well-defined, giving managers and employees more flexibility to respond to changing conditions.
It is true that in traditional goal setting, goals set by top management flow throughout the organization and become sub-goals for each department. It is false that MBO process of goal setting allows to respond flexibly to changing conditions.
What are some classic examples of goal setting?Traditional goal setting is defined as the process of setting goals at the top of an organization and breaking them down into sub-goals at each level within the organization.
Example: Weight loss is an example of traditional goal setting. I want to lose 20kg in half a year. So if he's doing all the "right" things, it's only lost 5 pounds after 6 months.
Why Traditional Goal Setting Doesn't Work?There is often a general sense of failure, an increased fear of failure, and apathy towards the whole goal-setting process. This makes it even more difficult to identify and pursue suitable and clear goals.
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assume that a company has a beta of .88 and the risk-free rate is 5%. if the market risk premium is 7%, calculate cost of equity capital, using the capital asset pricing model
The cost of equity capital for the company using the capital asset pricing model will be 6.51 percent.
The computation of the cost of equity capital of the firm can be done using the provided information, and the calculation of the same has been shown below using the given values into the generalized formula.
Cost of equity capital = (Risk-free Rate + Beta) x Risk Premium
Cost of equity capital = (0.05 + 0.88)×0.07
Cost of equity capital = 0.93x0.07
Cost of equity capital = 0.065
Therefore, the cost of Equity Capital will be 0.065.
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one benefit of investing in a no-load fund over a load mutual fund would be (found in discussion of no-load funds):
A mutual fund that does not impose a commission or sales fee is known as a no-load fund. Due to the shares being distributed directly by the investment business rather than by a third party, there are no costs involved.
Load funds are mutual funds that levy a commission or sales fee. As long as you have your money invested for a certain amount of time, often five years, no-load funds typically don't charge any sales fees or commissions.
The argument for a load fund is that investors are paying a sales intermediary, such as a broker, financial planner, investment adviser, or other professionals, for their time and knowledge in choosing a suitable fund. Paying these fees annoys some investors.
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Which of the following describes a mission?
an action plan to solve a problem
a benchmark set by an organization to measure progress
why an organization or business exists
a measurable achievement reached by following a set of steps
An action plan to solve a problem describes a mission. The correct option is a.
What is an action plan?An action plan can be defined as a document that lists what steps must be taken to achieve a specific goal.
The purpose of an action plan is to clarify what resources are required to reach the goal, formulate a timeline for when specific tasks need to be completed and determine what resources are required.
In project management, a well-developed action plan can serve as a blueprint for the project manager to break a large project down into smaller, more manageable SMART.
SMART stands for Specific, Measurable, Attainable, Realistic and Time-based goals.
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When a member of a limited liability company guarantees payment of a loan to the firm, the member is personally liable for the obligation.a. Trueb. False
When a member of a limited liability company guarantees payment of a loan to the firm, the member is personally liable for the obligation. The following statement is true.
What is limited liability Short answer?Limited liability refers to the circumstance in which a business firm's owners (shareholders) liability for losses is restricted to the amount of capital they have invested in the company and does not include any personal assets.
A limited liability corporation member who personally guarantees repayment of a loan to the business is held accountable for the debt. A limited liability company member who commits fraud on the company's behalf is unlikely to face personal culpability.
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Which of the following are the factors involved in deciding the right mode of transportation?
a. The cost of inventory while in transit
b. The cost related to transportation itself
c. The service requirements related to speed, and availability
a. The cost of inventory while in transit.
b. The cost related to transportation itself.
c. The service requirements related to speed, and availability.
What is transportation?⇒ Transport, also known as transportation in American or British English, is the deliberate movement of people, animals, and goods from one place to another. There are many different ways to travel, including air, land (rail and road), water, cable, pipeline, and space. Infrastructure, vehicles, and operations are three categories that apply to the field. Human trade is necessary for the advancement of civilizations, and transportation makes this possible.The term "transport infrastructure" refers to both permanent structures, such as roads, railways, airways, waterways, canals, and pipelines, as well as termini, which include airports, railway stations, bus terminals, warehouses, trucking terminals, refueling depots (including fueling docks and fuel stations), and seaports. Both the exchange of passengers and cargo as well as maintenance can be done at terminals.
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the prevent cancer organization incurred several expenses during 2019. which of the following would not be classified as a program expense?
Postage for announcements of the 2019 kickoff dinner would not be classified as a program expense.
What is cancer, specifically?Cancer is a condition in which a small number of the body's cells develop out of control and spread to other internal organs. In the millions of cells that form up the human body, cancer can begin from anywhere.
Can one endure cancer?Estimates place mesothelioma (7.2%), pancreatic cancer (7.3%), and brain cancer (12.8%) as the three cancers with the lowest five-year survival rates. The three cancers with the highest five-year survival rates (97, 92, and 88%, respectively) are testicular cancer, cutaneous melanoma, and prostate cancer.
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a project manager needs to ensure that the cumulative amount of cash coming into the project either from internal budgeting or from customer payments meets or exceeds the demands for paying cash out.
A project manager needs to ensure that the cumulative amount of cash coming into the project either from internal budgeting or from customer payments meets or exceeds the demands for paying cash out. This is a true statement.
A formal method of managing a group of funds is a budget strategy. To ensure that their expenses do not exceed their income, many people use budgeting techniques in their daily lives. Others use budgeting techniques to achieve financial goals, such as buying a new car or setting aside a certain amount of money for retirement.
Strategic budgeting allows for flexible forecasting for ambitious revenue and expenditure goals. The goal is to divert attention away from the big picture and specific data. Companies use budgeting tools to manage resources more effectively and achieve certain long-term goals. A project management is responsible for project planning, procurement, implementation, and completion. The project manager is responsible for the entire enterprise and manages every aspect of it, including the scope of the project, the project team and the resources assigned to it.
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under the dva, when the crv is less than the agreed purchase price, the buyer can take all of the following actions except
When the CRV is lower than the agreed-upon purchase price, the buyer is allowed to waive any requirement that the seller accept the CRV price under the DVA.
What is a VA purchase's maximum LTV?Loans in excess of $144,000 are no longer restricted for eligible veterans, service members, and survivors with full entitlement. This means that you won't have to put down any money, and we promise to pay your lender up to 25% of the loan amount if you default on a loan worth more than $144,000.
Under what conditions is a VA credit probable?Loan that can be assumed. If the loan holder or the VA approves the creditworthiness of the purchaser(s), you may sell your home to someone who agrees to assume your loan for all VA Loans committed on or after March 1, 1988.
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b) Suppose Asem Kitiwa pays GHe 7 dividend at the end of every year on December 31. Akwasi, as an investor bought shares of the stock on January 1 at a price of GHc25 each, sold one of those shares for GHc27 a year later on the next January 1, and sold the second shares on the following year at the price of GHc24 and finally at the end of the third year sold at GHc 19.5 on January 1. Calculate the geometric return using the time weighted for the three years investment? c) Discuss systematic and idiosyncratic risk in relation to the concept of efficient diversification.
Diaz Company owns a milling machine that cost $125,900 and has accumulated depreciation of $93,800. Prepare the entry to record the disposal of the milling machine on January 3 under each of the following independent situations.
1. The machine needed extensive repairs, and it was not worth repairing. Diaz disposed of the machine, receiving nothing in return.
Record the disposal of the machine receiving nothing in return.
2. Diaz sold the machine for $16,500 cash.
Record the sale of the machine for $16,500 cash.
3. Diaz sold the machine for $32,100 cash.
Record the sale of the machine for $32,100 cash.
4. Diaz sold the machine for $40,000 cash.
Record the sale of the machine for $40,000 cash.
The journal entries to record the disposal of the milling machine on January 3 will be as follows:
Journal entry: 1. Loss On Disposal Of Machine Dr $32,900 Accumulated Depreciation —Machine Dr $93,800 Machine Cr $125,900 2. Cash Dr $16,500 Loss On Sale Of Machine Dr $16,400 Accumulated Depreciation —Machine Dr $93,800 Machine Cr $125,900 3. Cash Dr $32,100 Accumulated Depreciation —Machine Dr $93,800 Machine Cr $125,900 4. Cash Dr $40,000 Accumulated Depreciation —Machine Dr $93,800 Gain On Sale Of Machine Cr $7900 Machine Cr $125,900.
Assets must be removed from the accounting records as part of the disposal process. To entirely erase every trace of an asset from the balance sheet, this is required (known as derecognition). In the reporting period in which the asset disposal occurs, a gain or loss may need to be recorded on the transaction.
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In the context of structured systems analysis and design (SSAD) models, ______a is a tool that shows a process at a more general level and is helpful for showing top management and the task force how a process works a) flowchart b) context diagram c) data flow diagram d) conceptual data model
In the context of structured systems analysis and design (SSAD) models, context diagram a is a tool that shows a process at a more general level and is helpful for showing top management and the task force how a process works
Method of analysis and design of structured systemsThey are methods for analyzing business requirements and developing specifications for software practices, hardware configurations, and related manual procedures. Structured analysis and design techniques are fundamental tools of systems analysis. They developed from the classic systems analysis of the 1960s and 1970s.
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help me pls
Suki has placed $800 in an account that pays 4 percent interest compounded quarterly. At the end of two years (eight quarters), the balance in the account will be $
. That means Suki will have earned $
in interest during that time. (Round your answers to the nearest cent.)
What will be the balance in the account at the end of two years (eight quarters)? How much interest will Suki have earned during that time? (Round your answers to the nearest cent
Answer:
The product of two consecutive negative integers is 600. What is the value of the lesser integer?
Explanation:
EDGE2021
Output Marginal Revenue Marginal Cost0 -- --1 $16 $92 16 63 16 84 16 105 16 14Refer to the data in the accompanying table. If the firm's minimum average variable cost is $11, the firm's profit-maximizing level of output would be Multiple Choice
4.
3.
0.
5.
If the firm's minimum average variable cost is $11, the firm's profit-maximizing level of output would be 4.
Variable costs are costs incurred when the quantity of goods or services produced by business changes. Variable cost is the sum of the marginal costs of all units produced. It can also be considered a normal expense. Fixed and variable costs form he two components of the total cost.
Variable costs are business costs that vary in proportion to the amount a business produces or sells. Variable costs increase or decrease based on a company's production or sales volume. It increases when production increases and decreases when production decreases.
Variable costs are costs that change with changes in quantity. Examples of variable costs include raw materials, parts labor, production materials, handling charges, shipping charges, packaging materials, and credit card fees. In some fiscal documents, the variable cost of production is called "cost of goods sold."
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when a bank collects deposits during the day, then deposits them all after banking hours, it is using a reserve processing system.
When a bank collects deposits during the day, then deposits them all after banking hours, it is using a reserve processing system. The given statement is false.
In the world of finance, money kept at a financial institution is referred to as a deposit. When money is transferred to someone else to keep safe, the transaction is known as a deposit. A deposit is a sum of money used as security or collateral for the transportation of an awesome.
A deposit includes various, distinct meanings. One type of deposit entails the transfer of funds to another party for safekeeping. According to this definition, a deposit is the money that an investor deposits into a savings or checking account kept at a bank or credit union.
Most banks accept deposits of cash, checks, cash orders, or cashier's checks within the building.
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everglades's opportunity cost of producing 1 pound of pistachios is of chinos, and glacier's opportunity cost of producing 1 pound of pistachios is of chinos. therefore, has a comparative advantage in the production of pistachios, and has a comparative advantage in the production of chinos.
Opportunity cost is the difference between the value of a different option and the value of the one that is selected.
Opportunity cost is a notion used in decision-making to assist people and organisations in making better decisions, primarily by taking the alternatives into account.
What are the advantages of opportunity costs?
One of the key advantages of opportunity costs is that they make you contemplate the fact that, when choosing between possibilities, you lose something in the one that is not chosen. Considering your opportunity cost also gives you the ability to assess the relative costs and advantages of other options, which is a crucial advantage. Choose the option that delivers the best overall value for your money by comparing the total costs of each.
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Retail stores are often classified on the breadth and depth of their merchandise assortment. The breadth of the merchandise is the number of different lines available. The merchandise breadth may be classified as ________ or ________.
narrow; broad
Retail shops are regularly labeled at the breadth and intensity in their merchandise assortment. The breadth of the products is the range of various strains available. The products breadth can be labeled as narrow or broad.
The required details about merchandise is mentioned in below paragraph.
Merchandising is any exercise which contributes to the sale of merchandise to a retail consumer. At a retail in-keep level, vending refers to showing merchandise which can be on the market in a innovative manner that entices clients to buy extra objects or merchandise.
In retail commerce, visible show vending way products sales using product design, selection, packaging, pricing, and show that stimulates clients to spend extra. This consists of disciplines and discounting, bodily presentation of merchandise and displays, and the selections approximately which merchandise have to be supplied to which clients at what time. Often in a retail setting, creatively tying in associated merchandise or add-ons is a excellent manner to trap clients to buy extra.
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