A restaurant owner purchased a new dishwasher for $3,500.00.
She paid 20% down and financed the balance with a 12-month fixed installment loan with an APR of 8.5%.
Determine the total finance charge and monthly payment for the loan.
Total Finance Charge=$130.64; Monthly Payment=$244.22
Total Finance Charge=$138.32; Monthly Payment=$244.26
Total Finance Charge=$182.70; Monthly Payment=$306.89
Total Finance Charge=$215.32; Monthly Payment=$251.28
Answers
The total finance charge for the loan is $215.32, and the monthly payment amount is $251.28. This can be calculated by taking into account the 20% down payment and the 12-month fixed installment loan with an APR of 8.5%.
The correct answer is: Total Finance Charge=$215.32; Monthly Payment=$251.28.
To determine the total finance charge and monthly payment for the loan, we need to calculate the amount financed, the finance charge, and the monthly payment.
Amount Financed:
The restaurant owner paid a 20% down payment on the dishwasher, which means she financed 80% of the purchase price.
Amount financed = 80% of $3,500.00 = $2,800.00
Finance Charge:
The finance charge can be calculated using the following formula:
Finance Charge = Amount Financed \(\times\) (APR/12)
Finance Charge = $2,800.00 \(\times\) (8.5%/12)
Finance Charge = $2,800.00 \(\times\) 0.00708
Finance Charge ≈ $19.83 (rounded to the nearest cent)
Monthly Payment:
To calculate the monthly payment, we'll use the following formula:
Monthly Payment = (Amount Financed + Finance Charge) / Number of Months
Monthly Payment = ($2,800.00 + $19.83) / 12
Monthly Payment = $2,819.83 / 12
Monthly Payment ≈ $234.99 (rounded to the nearest cent)
Therefore, the correct answer is:
Total Finance Charge = $19.83
Monthly Payment = $234.99
None of the provided answer options match the correct calculations.
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Related Questions
What happens if a monopolist increases the price of a good?
Answers
Answer:
By contrast, because a monopoly is the sole producer in its market, its demand curve is the market demand curve. If the monopolist raises the price of its good, consumers buy less of it. Also, if the monopolist reduces the quantity of output it produces and sells, the price of its output increases.
Explanation:
Also can you mark me as brainliest
Why is it important for a person to invest and save
Answers
Hope that answered your question :)
Megha is a taekwondo expert who starts her own martial arts training academy. She conducts taekwondo classes for women and teaches them the art of self-defense. Megha can be regarded as a(n)
Answers
As Megha, who is a taekwondo expert that starts her own martial arts training academy, also conducts taekwondo classes for women and teaches them the art of self-defense, then, Megha can be regarded as an entrepreneur.
Who is an entrepreneur?This refers to the individual that starts and runs a business with limited resources, planning and responsible for all the risks and rewards of their business venture. Their business idea often entails a new product or service rather than an existing business model.
Because of the features possessed by an entrepreneur, therefore, Megha can be regarded as an entrepreneur because of her taekwando classes.
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The guiding principle of ______________ theory is that people seek to maintain relationships in which their benefits match their costs. (chapter 7) Group of answer choices
Answers
The guiding principle of social exchange theory is that people seek to maintain relationships in which their benefits match their costs.
This theory is based on the premise that social interactions involve the exchange of resources, such as time, effort, and emotions. According to this theory, individuals weigh the benefits and costs of a relationship and decide whether to continue or terminate it. The benefits include companionship, emotional support, and material rewards, while the costs include time, effort, and sacrifices. The goal is to maintain a balance between the benefits and costs, which creates a stable and satisfying relationship. In sum, social exchange theory suggests that individuals are rational decision-makers who strive to maximize their rewards while minimizing their costs in social interactions.
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The amount businesses have left after paying their rent, interest on debt, and employee costs is called profits.
True
False
Answers
Answer:
Answer above mine is incorrect, real answer is TRUE
Explanation:
2. Which type of work — a job or a career — do you think demands more emotional energy, and why?
Answers
Answer:
doctor
Explanation:
Making sure everyone is well taken care of and prescribed the right medication
Both jobs and careers can demand emotional energy, but the level of emotional energy required may vary.
What is a jobA job is typically short-term and may not provide a strong sense of purpose, leading to a lower emotional investment. On the other hand, a career involves long-term goals and personal development, leading to a deeper commitment and sense of purpose, which can require a higher level of emotional energy.
Individual circumstances, job responsibilities, and personal motivations can also influence the emotional energy demanded by a job or career. Ultimately, emotional energy is an important consideration in both professional pursuits, as it impacts job satisfaction, motivation, and overall well-being.
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You gain health benefits from exercising for a minimum of _______.
a.
10 minutes three times a week
b.
10 minutes two times a week
c.
20 minutes three times a week
d.
20 minutes two times a week
Answers
Answer:
C
Explanation:
so you at least work out for 1 hour a week because 20 min 3 times a week is 60 min which is an hour
Answer:
It's C
Explanation:
I took the test :)
Microeconomics analyzes how we choose to use our resources on a smaller scale and includes measures of performance such as _____. unemployment business costs consumer utility patterns both business costs and consumer utility patterns
Answers
Microeconomics analyzes how we choose to use our resources on a smaller scale and includes measures of performance such as both business costs and consumer utility patterns.Microeconomics is a study of economics that deals with individuals, households, and firms, who make decisions on allocating limited resources.
It examines market behavior and the ways in which the government can respond to market failures, in addition to the economic choices made by individuals and firms. There are several measures of performance, including business costs and consumer utility patterns. These two measures represent the producer's efficiency and the consumer's satisfaction, respectively.Business costs are expenses incurred by businesses in the process of producing goods and services. They include the cost of materials, labor, and overhead, as well as other expenses such as rent, advertising, and insurance. In the short term, businesses must decide how to allocate their resources to maximize profits. In the long term, businesses must decide how to invest their profits to maintain their competitiveness in the market.
Consumer utility patterns, on the other hand, refer to the ways in which consumers allocate their limited resources to maximize their satisfaction. This process involves making choices about which goods and services to consume and how much to spend on them. Consumers are concerned with the price and quality of goods and services, as well as their availability and convenience. In general, consumers seek to maximize their satisfaction by consuming goods and services that provide the most utility for the least cost.
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1) Using the case to respond, assess three reasons why several international companies are recruiting (woo-ing) their executives from "Third Country Nationals" TCN’s
Answers
There are several reasons why international companies are recruiting Third Country Nationals (TCNs) for executive positions including cost-effectiveness, cultural knowledge and language proficiency
Cost effectiveness: Often, TCN's are willing to work for lower salaries than their counterparts in the home or host country. This can save the company a significant amount of money in terms of labor costs.Cultural knowledge: TCN's often have a deep understanding of the culture and customs of the host country, which can be invaluable for an international company. This can help the company navigate cultural differences and avoid potential pitfalls.Language proficiency: Many TCN's are multilingual, which can be a huge asset for an international company. Being able to communicate effectively with employees, customers, and other stakeholders in multiple languages is crucial for the success of a global business.Learn more about International companies:
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Given the data below for a firm in its first year of operation, determine net income under the cash basis of accounting. cash received from customers $48,000 accounts receivable 12,000 cash paid for expenses 26,000 accounts payable (related to expenses) 3,000 prepaid rent for next period 7,000
Answers
Answer:
The answer is $22,000
Explanation:
Cash basis accounting is a method of recording accounting transactions/events for revenue only when cash is received from customers and expenses only when cash payments are done by the business entity to suppliers.
Net income = Cash received from customers $48,000 - cash paid for expenses 26,000
Net income = $22,000
9. If you found that you were in financial trouble because of credit and had great difficulty paying your monthly bills, what would you do?
Answers
Answer:
You would have to cut down on some luxuries, like lots of foods, amusement parks, shopping trips, etc. If you have have extra hours, work more hours, quite possibly take another job.
Explanation:
what are the required elements for a source citation, assuming the researcher is quoting text from a pre-codification accounting standard
Answers
The required elements for a source citation when quoting text from a pre-codification accounting standard may vary depending on the specific citation style being used.
When citing text from a pre-codification accounting standard various elements are required like title of the standard this includes the name of the standard and the section or paragraph number, if applicable. Year of issuance this refers to the year in which the standard was issued by the relevant standard-setting body.
Other elements includes Publication information includes the name of the publication in which the standard is found, such as the Accounting Standards Codification (ASC), and the section or paragraph number, if applicable and Medium of publication this refers to the format in which the standard is published, such as print or electronic.
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. jada (age 53) and elijah (age 60) are married, and both are selfemployed. in 2022, they participate in a healthinsurance plan with a $3000 annual deductible and out-ofpocket maximum of $9,000. the only other health plan theyhave is a vision insurance plan. are they eligible to contribute to a health savines account? why or why not? if so. what are thermaximum hisa contribution and deduction?
Answers
They can make contributions to a health savings account, that much is true. Depending on their tax filing status, age, and type of health insurance coverage, Will and Jada's maximum HSA contribution and deduction varies.
Who is able to make contributions to an HSA?A person's HSA may be funded by anyone who is qualified. A worker's HSA can receive contributions from both the employee and their employer in the same year, or from both. A person may make contributions to an HSA they established even if they are self-employed (or unemployed).
What transpires when you move to PPO with regard to your HSA?Your HSA remains intact even if you switch health insurance providers or leave the federal government because it is entirely under your control. You will need to take money out of your HSA if it was fully funded and you left the HDHP during the year.
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Susan jones purchased 1,000 shares of lmn corporation on august 1st, 2019. On may 15th, 2022, susan died, and her shares were inherited by her niece. Which characteristic of the corporate form of business allows the daily operation of lmn to be unaffected due to the death of a stockholder?.
Answers
Continuous life characteristic of the corporate form of business allows the daily operation of LMN to be unaffected due to the death of a stockholder.
What is Continuous life characteristic of the corporate business ?A corporation's life is specified in the charter that the state grants it, and the majority of contemporary companies choose to have a permanent existence. A corporation's ability to continue as a going concern is unaffected by the resignation, death, or disability of a stockholder, worker, or officer since it is a separate legal entity.
A company is considered to have "continuous life" if its owners shift or pass away because this does not cause it to end. Contrary to partnerships, a corporation remains in operation until it is terminated by its owners or by a governmental body.
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the leadership style advocating that a leader makes all decisions and tells subordinates what to do and how to do it is called
Answers
The leadership style advocating that a leader makes all decisions and tells subordinates what to do and how to do it is called authoritarian leadership.
In this style, the leader makes decisions without input from the team and clearly communicates them to the team. The leader is expected to have complete control over their team and the processes that take place. This leadership style is beneficial in times of crisis, where quick decisions must be made without consulting the team. It is also beneficial in environments where knowledge is limited and the leader has the expertise to make the right decision. On the other hand, authoritarian leadership can have a negative impact on team morale, creativity, and innovation as team members are not allowed to voice their opinions and may feel that their contributions are not valued. Ultimately, the use of authoritarian leadership should be used in moderation and it should be balanced with other leadership styles.
Leadership style refers to the manner in which a leader provides guidance, direction, and motivation to their followers. There are several different leadership styles, including:
1. Autocratic: Leaders who make all decisions without input from their followers.
2. Democratic: Leaders who involve their followers in decision-making and value their input.
3. Transformational: Leaders who inspire and motivate their followers to achieve a common goal.
4. Servant: Leaders who prioritize the needs and development of their followers over their own interests.
5. Laissez-faire: Leaders who provide little guidance or direction to their followers, allowing them to make their own decisions.
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there are two key dimensions of organizational structure that are relevant for innovation. what are these two dimensions and how can they influence innovativeness in a business? explain clearly and provide some examples (250 words).
Answers
Answer:
The two key dimensions of organizational structure that are relevant for innovation are formalization and centralization.
Formalization refers to the extent to which an organization's processes, procedures, and rules are standardized and explicitly documented. Centralization, on the other hand, refers to the degree to which decision-making authority is concentrated at the top of the organizational hierarchy, rather than distributed throughout the organization.
Formalization can influence innovativeness in a business in several ways. On one hand, highly formalized organizations may have well-established processes and procedures that make it difficult to deviate from the status quo and pursue innovative ideas. However, formalization can also provide a framework for innovation by creating clear guidelines for experimentation and providing a structured approach to the development of new products or services. For example, a pharmaceutical company that follows strict protocols for testing new drugs may have a greater likelihood of successfully bringing a new product to market.
Centralization can also have an impact on innovativeness in a business. In highly centralized organizations, decision-making authority is concentrated at the top of the hierarchy, which may make it difficult for employees at lower levels to propose and implement innovative ideas. However, centralization can also provide a clear direction for innovation and facilitate the allocation of resources toward new initiatives. For example, a technology company that is highly centralized may be better able to focus its resources on a particular area of innovation, such as artificial intelligence.
In general, a balance between formalization and centralization may be ideal for promoting innovativeness in a business. By providing a structured approach to innovation while also empowering employees at all levels to propose and implement new ideas, organizations can create an environment that fosters creativity and experimentation while also maintaining a clear direction for the future.
an investor purchases a long call at a price of $3.10. the strike price at expiration is $47. if the current stock price is $47.10, what is the break-even point for the investor?
Answers
The Break-even call price for the investor is $50.10.
The term "break-even price" refers to the point at which a change in value merely covers the initial investment or expense made by an individual.
The break-even price for an options contract is the level at which underlying security reaches the point when it covers the cost of an option's premium. In the context of manufacturing, the term "break-even price" refers to the point at which the price at which a product is sold is equal to the cost of producing that product. It is common practice to utilise break-even pricing as a competitive tactic in the pursuit of increased market share; yet, this pricing approach can give the impression that the product in question is of poor quality.
Break-even price = Call premium + Strike price
In the ques, it is given that
Call premium = $3.10 and
Strike price = $47
Thus,
Break-even price = Call premium + Strike price
= 3.10 + 47
= $50.10
Thus, the Break-even price is $50.10.
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William Wordsworth text from romantic age. give me short answer
Answers
William Wordsworth was a famous poet during the Romantic Age. He was one of the key poets in the development of English Romanticism.
Wordsworth's poems expressed his reverence for nature, his nostalgia for childhood, his rejection of traditional values, and his belief in the spirituality and equality of all things. Wordsworth's famous poems are "Lines Written in Early Spring," "I Wandered Lonely as a Cloud," "Ode:
Intimations of Immortality from Recollections of Early Childhood," and "The World Is Too Much with Us." His text is a representation of his deep love and reverence for nature. In his poems, Wordsworth celebrated the beauty and power of the natural world. His works reflected his belief that nature was a source of spiritual renewal and that contact with nature was essential for human well-being.
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WILL GIVE BRAINLEST ASAP!!!!!! Good afternoon can someone answer this please
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The Gap is considering buying cash register software from Microsoft so that it can more effectively deal with its retail sales. The software package costs $750,000 and will be depreciated down to zero using the straight-line method over its five-year economic life. The marketing department predicts that sales will be $600,000 per year for the next three years, after which the market will cease to exist. Cost of goods sold and operating expenses are predicted to be 25 percent of sales. After three years the software can be sold for $40,000. The Gap also needs to add net working capital of $25,000 immediately. The additional net working capital will be recovered in full at the end of the project life. The corporate tax rate for the Gap is 35 percent and the required rate of return relevant to the project is 17 percent. What is the NPV of the new software?
Answers
The NPV of the new software is $261,457, indicating that the project is financially feasible as it has a positive net present value. The Gap should invest in the new software as it will generate a return that is greater than the required rate of return.
To calculate the net present value (NPV) of the new software, we need to calculate the cash flows for each year and then discount them to present value using the required rate of return of 17%.
Year 0: Initial cost of software + additional net working capital = -$750,000 - $25,000 = -$775,000
Year 1-3: Sales = $600,000 x 0.75 = $450,000; Depreciation = $750,000 / 5 = $150,000;
Earnings before taxes (EBT) = $450,000 - $150,000 = $300,000;
Taxes = $300,000 x 0.35 = $105,000;
Net income = $195,000;
Cash flow = $195,000 + $150,000 = $345,000 per year
Year 4:
Sales = $600,000 x 0.75 = $450,000;
Depreciation = $750,000 / 5 = $150,000;
Gain on sale of software = $40,000 - ($750,000 - $450,000 - $150,000) = $40,000 - $150,000 + $300,000 = $190,000;
EBT = $450,000 - $150,000 + $190,000 = $490,000;
Taxes = $490,000 x 0.35 = $171,500;
Net income = $318,500;
Cash flow = $318,500 + $150,000 + $40,000 = $508,500
Year 5:
No sales or depreciation, only the gain on sale of software = $40,000 - ($750,000 / 5 x 4) = $-70,000;
EBT = $-70,000;
Taxes = $-24,500;
Net income = $-45,500;
Cash flow = -$45,500 + $40,000 = -$5,500
Discounting these cash flows using the required rate of return of 17% yields
NPV = -$775,000 + ($345,000 / 1.17) + ($345,000 / 1.17²) + ($345,000 / 1.17³) + ($508,500 / 1.17⁴) + (-$5,500 / 1.17⁵)
NPV = -$775,000 + $294,872 + $253,623 + $218,042 + $272,217 - $2,297
NPV = $261,457
Therefore, the NPV of the new software is $261,457, which means that it is a financially viable investment as it generates a positive NPV.
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Why do you think brand advocates willingly promote companies via social media? Explain.
Answers
Answer:
As a form of celebrity and endorsement. The company will be viewed by the potential millions of people that follow those brand advocates. This allows the brand to reach a wider audience and raise profits. that is why brand advocates willingly promote companies via social media?
Explanation:
hope this helps. ; )
Find out stock value of the company with following dividend plans: $ 3, $ 4, $ 5, $6 , $7 for the first five years, then a final liquidating dividend of $60 at year 6. Assume discount rate for this stock is 15%. Find out the current stock value .
Answers
The current stock price will be $41.77
The current stock value will be the present value of all the dividends over the five years in question and then the present value of the liquidating dividend in the 6th year.
Present value = Dividend / ( 1 + rate) ^ year it was paid
Present value of all the dividends = ( 3 / (1 + 15%)) + (4 / (1 + 15%)²) + (5 / (1 + 15%)³) + (6 / ( 1 + 15%)⁴) + (7 / ( 1 + 15%)⁵) + ( 60 / ( 1 + 15%)⁶)
= $41.77
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A graph of the rate of inflation in the United States over the twentieth century shows: a constant rate of inflation in the first half of the century followed by an upward trend in the second half an overall upward trend interrupted by a large downturn in the 1930s. O a relatively steady, positive level throughout the century except for deflation in the 1930s. some periods of deflation mixed with mostly positive rates of inflation before 1955 but only positive rates of inflation after 1955.
Answers
A graph of the rate of inflation in the United States over the twentieth century shows: An overall upward trend was broken by a severe downturn in the 1930s.
A graph of the rate of inflation in the United States over the twentieth century would show an overall upward trend interrupted by a large downturn in the 1930s, also known as the Great Depression. In the first half of the century, there was a relatively steady, positive level throughout the century except for deflation in the 1930s. However, the rate of inflation began to rise in the post-World War II period, reaching high levels in the 1970s before moderating in the 1980s and 1990s. The Great Recession of 2008 had an effect on the inflation rate as well.Inflation is a measure of the rate at which the general level of prices for goods and services rises, resulting in a decline in purchasing power.
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What is the best animal?
Answers
Answer: The answer is Dogs
Explanation: Dogs are the best animal because They're not just popular- historically, the symbiotic relationship between dogs and people helped both species survive.
Question 7 of 10
Zack buys 40 shares of eBay at the close price of $20.95. His broker charges
him 4% of each share as a transaction fee. How much did Zack spend in total
to buy this stock?
A. $838.00
B. $871.52
C. $856.28
D. $891.46
Answers
The cost of each share is $20.95, and Zack buys 40 shares, so the cost of the shares is 20.95 * 40 = $838.00.
Zack's broker charges him 4% of each share as a transaction fee, so the total transaction fee is 0.04 * 20.95 * 40 = $33.28.
Therefore, the total cost of the transaction is $838.00 + $33.28 = $871.28.
The correct answer is B. $871.52.
Why do you think cryptocurrencies are currently on a downfall?
Provide justifications and examples from real life
Answers
Cryptocurrencies are currently facing a downfall due to market volatility, regulatory concerns, security breaches, environmental impact, and speculative trading. Real-life examples include market crashes and regulatory actions.
Cryptocurrencies are currently experiencing a downfall due to several factors: 1. Market Volatility: Cryptocurrencies are known for their extreme price volatility. Recent market fluctuations, such as significant price corrections and sudden drops, have eroded investor confidence and created uncertainty.
2. Regulatory Concerns: Governments and regulatory bodies worldwide have expressed concerns about the lack of regulation and potential risks associated with cryptocurrencies. Some countries have imposed restrictions, while others have proposed stricter regulations, leading to uncertainty and hesitancy among investors.
3. Security Breaches: Cryptocurrency exchanges and platforms have been targeted by hackers, resulting in high-profile security breaches and theft of digital assets. These incidents have undermined trust in the security of cryptocurrencies and raised doubts about their reliability.
4. Environmental Impact: The environmental impact of cryptocurrency mining has come under scrutiny. The energy-intensive nature of mining operations, particularly for cryptocurrencies like Bitcoin, has raised concerns about their carbon footprint and sustainability.
5. Speculative Nature: Cryptocurrencies are often subject to speculative trading and market manipulation. Large-scale sell-offs or pump-and-dump schemes orchestrated by influential market participants can cause significant price fluctuations and contribute to the downfall of cryptocurrencies.
Real-life examples include the market crash in May 2021, when Bitcoin and other cryptocurrencies experienced substantial losses following Elon Musk's tweets about Tesla's suspension of Bitcoin payments. Additionally, regulatory actions in countries like China and the United States have had a negative impact on the cryptocurrency market.
It's important to note that the cryptocurrency market is highly volatile and subject to various external factors, and the future trajectory of cryptocurrencies remains uncertain.
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If demand increases and supply remains constant
Answers
Answer:
The product would sell for more
Which of the following affects employers’ decisions on how much to pay their workers? Maximizing costs
Maximizing profits
Minimizing profits
Minimizing benefits
Answers
What affects employers’ decisions on how much to pay their workers is : Maximizing profits.
What is profit maximization?Profit maximization can be defined as the way in which a company or an organization tend to determine the price level that enables them to maximize profit.
Every company or organization goals is to make profit based on this company that is determine to make profit must tend to make use of profit maximization approach.
Profit maximization is important as it can tend to lead to sustainable growth for companies which is why most companies make use of profit maximization strategy so as to make higher profit.
Therefore what affects employers’ decisions on how much to pay their workers is : Maximizing profits.
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What is the perceived demand for a monopolistic competitor?
Answers
Downward-sloping is the perceived demand for a monopolistic competitor. A monopolistic competitor faces a demand curve that is not flat but rather slopes downward.
What exactly is a perceived need?
When a company lowers its price, provided that other businesses maintain their current prices, the increase in the quantity of a product that is demanded by the company is depicted on the perceived demand curve.
When there is monopolistic competition, what happens to demand?A monopolistic competitive market has a downward demand curve. This indicates that the quantity demanded for that good rises in tandem with a decrease in price. The shape of the demand curve has a number of important implications for businesses operating in a monopolistic competitive market, despite the fact that this appears to be fairly straightforward.
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Which situations offer examples of Banking and Related Services workers? Check all that apply.
Anna analyzes loan applicants to decide whether to give them loans.
Aaron helps customers put money into and remove money from their accounts.
Jared researches the credit history of people applying for credit.
Tamara reviews the finances of a business to determine whether it is profitable.
Raquel helps individuals and companies prepare their tax forms.
Troy helps a family create a budget to save more money.
Answers
Anna provides loan applicants to decide to give them loans, put money into and remove money from their accounts and Jared researches the credit history, hence options A, B and C are correct.
What are Banking and Related Services workers?The five most significant banking services include checking and savings accounts, loan and mortgage services, wealth management, issuing credit and debit cards, and overdraft services.
An individual who works for a bank and assists customers with standard financial transactions is known as a bank teller or bank clerk.
They do daily tasks that include processing withdrawals, making deposits, and giving customers of bank money orders or cashier's checks.
Therefore, these services also comprise analysis loan applicants with basic features and a device for utilizing the account (such as a debit card and online banking ID), hence options A, B, and C are correct.
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Answer:here the answer for this question
Explanation:edge2023
