Angelica wants to take out an Adjustable Rate Mortgage for $708082. She is offered a 30 year, 3/1 ARM with an initial teaser rate of 3.75%. The reset margin on the loan is 300 basis points above 1 year CMT. What will be Angelica's monthly mortgage payments during the first three years with this mortgage? State your answer as a number rounded to two decimal points (e.g. if the answer is $2345.123, write 2345.12)
Which statement is FALSE about the 7/1 ARM with a teaser rate of 3% indexed to a 1 year CMT with a margin of 250 basis points.
a. A borrower will have a fixed rate of 3% for the first seven years of the mortgage
b. The interest rate will reset annually after the initial period with a teaser rate
c. The new fully indexed rate will be 2.5% above the 1 year CMT
d. The eight payment on this mortgage is different from the first seven payments

Sales and profits occur when a firm's marketing mix suits the consumer decision process and when the analysis of consumers by a firm proves to be accurate.

When a firm has created a product that satisfies only one need in a need set, it may not necessarily lead to sales and profits. Additionally, avoiding establishing a target market for its products may lead to difficulties in reaching potential consumers and thus affect sales and profits. Therefore, it is important for a firm to understand the consumer decision process and analyze their target market accurately in order to tailor their marketing mix and achieve desired outcomes of increased sales and profits.

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1: Seeking third-party advice can be a valuable initiative in negotiation and conflict management. 2. The five most common mistakes made by business negotiators in the negotiation process.

Seeking third-party advice can provide a fresh perspective and impartial guidance to the negotiation process. It can help identify blind spots, uncover alternative solutions, and facilitate effective communication between the parties involved. Third-party advisors, such as mediators or consultants, can bring expertise, experience, and objectivity to the table, promoting a more balanced and constructive negotiation environment. However, it is essential to carefully select a trusted and neutral third party to ensure their advice aligns with the best interests of all parties involved.

Failure to prepare adequately: Insufficient preparation can lead to a lack of understanding about the other party's needs, interests, and potential alternatives, weakening one's negotiation position.

Poor active listening skills: Failing to actively listen and understand the other party's perspective can hinder effective communication and collaboration, making it challenging to find mutually beneficial outcomes.

Overemphasis on winning: Approaching negotiations solely as a win-lose scenario can create a confrontational environment, limiting the potential for creative problem-solving and compromising relationships.

Lack of flexibility: Being rigid and unwilling to explore alternative solutions can impede progress and prevent the parties from reaching a mutually satisfactory agreement.

Neglecting relationship-building: Focusing solely on the immediate negotiation outcome without considering the long-term relationship with the other party can undermine future collaboration opportunities and lead to suboptimal results.

Avoiding these common mistakes requires careful planning, active listening, flexibility, and a focus on building positive and constructive relationships with the other party throughout the negotiation process.

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Question 5: Hal stated that he would prefer using scaled variables because they enable the use of "normal" statistical analyses by allowing the calculation of mean and standard deviation.

Scaled variables, also referred to as interval variables, are quantitative variables that have a meaningful numerical value and a consistent interval between values. They provide a higher level of measurement than nominal or ordinal variables. Scaled variables allow for more extensive statistical analyses and provide researchers with a range of statistical techniques that they are familiar with.

One of the main advantages of using scaled variables is the ability to calculate the mean and standard deviation. These measures provide valuable information about the central tendency and variability of the data, allowing researchers to summarize and compare different groups or variables accurately. The mean is a measure of the average value, while the standard deviation indicates the spread or dispersion of the data around the mean.

Question 6: The unbalanced response options presented, such as "Very Bad / Bad / Somewhat Good / Good / Very Good / Extremely Good," may make it difficult to administer the survey in person or over the telephone.

Unbalanced response options refer to a survey design where the number of response choices varies across the different levels or categories of a question. In the provided example, there are two negative responses (Very Bad and Bad) and four positive responses (Somewhat Good, Good, Very Good, and Extremely Good), resulting in an unbalanced set of response options.

Unbalanced response options can pose challenges in survey administration, particularly in person or telephone interviews. When conducting surveys in these formats, it is essential to maintain clarity and consistency in presenting response options to respondents. The inclusion of more options in the positive range compared to the negative range may introduce bias or confusion in respondents' understanding of the question and their ability to accurately select an appropriate response.

Question 7: To measure, the researcher really needs to use multi-item scales. It helps to reduce measurement error and increase the precision of data analysis and interpretation.

Multi-item scales are commonly used in research to measure complex constructs or variables that cannot be adequately captured by a single question or item. These scales involve the inclusion of multiple items or statements that assess different aspects or dimensions of the construct being measured. By using multiple items, researchers can obtain a more comprehensive and reliable assessment of the construct.

Multi-item scales allow researchers to capture the nuances, variability, and complexity of a construct by incorporating multiple indicators. This approach enhances the reliability and validity of the measurement, providing a more accurate representation of the construct under investigation.

Question 8: An indicator of a measure or construct's internal consistency is reliability. Internal consistency is an important aspect to consider when assessing the quality and reliability of a measurement instrument.

Reliability is a statistical concept that refers to the consistency and stability of measurement. It assesses the extent to which a measure or construct consistently produces the same results or scores across multiple items or occasions. In other words, reliability indicates the degree to which the measurement is free from random error. It is an important consideration in research and assessment, as a reliable measure ensures that the obtained results are consistent and dependable.

Commonly used methods to assess reliability include test-retest reliability, inter-rater reliability, and internal consistency reliability (e.g., Cronbach's alpha). Therefore, reliability is the appropriate answer as it directly relates to the internal consistency of a measure or construct.

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Answer:

Freight Terms identify the party responsible for the payment of freight and are usually expressed as: prepaid or collect with the following nuances: prepaid to a stated location and collect beyond or third party or pre-pay and add. ... Collect means that the consignee owns the freight payment responsibility.

Explanation:

Answer:

Freight Terms identify the party responsible for the payment of freight and are usually expressed as: prepaid or collect with the following nuances: prepaid to a stated location and collect beyond or third party or pre-pay and add. ... Collect means that the consignee owns the freight payment responsibility

Explanation:

Answer: Jessica wants to save $100,000 in the next 10 years so she can have a good start on her retirement fund. Her monthly contributions will need to be $434.71 if she can earn a 12% return on her money.

Marginal revenue :

Marginal cost :

It is a Monopolistic market structure because marginal revenue is greater than the marginal cost.

Marginal Revenue is the increase in the revenue by selling one extra product in the market. It is calculated by the Change in revenue divided by the change in output.

Marginal cost is the change in cost by producing one extra unit of output. It is calculated by a change in cost divided by the change in units.

Monopolistic market structure is where there are multiple companies producing similar products in the market.Example for monopolistic structure can be a grocery store.

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When no historical data are available, forecasting or predictive modeling based on similar industries or products is the sole basis for predicting future demands.

It is a forecasting technique used when other trend data, such historical business and business-related data sets, are not readily available. The basis for accurate forecasting in this kind of model is past data. When you are aware of how the variables interact over the course of hours, weeks, months, or years, you will be better able to visualise data patterns. Making predictions using data with past time stamps is known as time series forecasting. By conducting historical research, it involves creating models that may be used to form judgements and guide future strategic decision-making.

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Answer:

The cash a/c is debited as it is an asset for the business and the capital a/c is credited as it is a liability for the business according to the business entity concept.

Answer:

underutilized

Explanation:

we don't have the total equity information provided in the question. Therefore, we cannot calculate the long-term liabilities without this information.

To compute the long-term liabilities for Spartan Sportswear, we need to use the given information and formulas.

First, let's calculate the total current assets by multiplying the current ratio by the total current liabilities.

Since the current ratio is 2.90, we can set up the equation as follows:

Current Assets = Current Ratio * Current Liabilities

To find the current liabilities, we need to compute the total current assets.

Since the current assets consist of cash, short-term investments, accounts receivable, and inventory, we can subtract the inventory from the total assets to get the current liabilities:

Current Liabilities = Total Assets - Inventory

Given that the inventory is $210,000 and the total assets are $780,000, we can substitute these values into the equation to find the current liabilities:

Current Liabilities = $780,000 - $210,000
Current Liabilities = $570,000

Now that we have the current liabilities, we can calculate the total current assets:

Current Assets = 2.90 * $570,000
Current Assets = $1,653,000

Next, we need to calculate the quick assets (also known as the acid-test ratio) using the formula:

Quick Assets = Current Assets - Inventory

Given that the quick assets ratio is 1.50, we can set up the equation and solve for quick assets:

Quick Assets = 1.50 * Inventory
Quick Assets = 1.50 * $210,000
Quick Assets = $315,000

Finally, we can calculate the long-term liabilities using the debt to equity ratio formula:

Debt to Equity Ratio = Total Liabilities / Total Equity

Since the debt to equity ratio is 1.40, we can rearrange the formula to solve for total liabilities:

Total Liabilities = Debt to Equity Ratio * Total Equity

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Answer:

bachelor's degree

Explanation:

Although not required, most accountants attend college and earn a bachelor's degree. However, a bachelor's degree in accounting or a related field is considered the minimum education requirement for those who plan to become a CPA.

This has to be asked in context.

As understanding basic principles of finance is important for companies' financial health. As by knowing the financial condition of the organization, we can easily run the organization.

The term organization refers as, a company, association, or another type of entity made up of one or more people functioning in a specific strength of purpose is referred to as an organization or arrangement.

As, by knowing the principles of finance in our organization, will make help in taking better decision for the organization. As we see, there are many successful organizations are running, by taking the good decision in finance.

Therefore, As a result, By the knowing basic principles of finance is important for organization.

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On April 20, Tamarisk Mining Company will declare dividends of ¥521,000,000, with ¥123,000,000 being a return of capital. It is necessary to prepare the April 20 and June 1 entries for Tamarisk.

Given below is the answer: April 20 entries: The declaration of dividends on April 20 will be recorded as follows: Account Titles Debit Credit Dividends payable ¥398,000,000 (¥521,000,000 - ¥123,000,000)Common stock dividend distributable ¥398,000,000 (¥521,000,000 - ¥123,000,000)Return of capital¥123,000,000June 1 entry: On June 1, when the dividends are paid, the dividend payment will be recorded as follows: Account Titles Debit Credit Dividends payable ¥398,000,000 Common stock dividend distributable ¥398,000,000 Dividends payable¥123,000,000Return of capital ¥123,000,000 The dividend payable is reduced by the amount of the return of capital on June 1. The distribution of dividends is $398,000,000, with $123,000,000 being a return of capital. The common stock dividend distributable is used to record the dividend owed to shareholders, while the return of capital is used to record the company's distribution of its excess cash balance. It shows that the company will retain its remaining cash balance and will not use it to distribute dividends.

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Answer:

Transactional leader.

Explanation:

Leadership can be defined as a process which typically involves motivating, encouraging and inspiring employees working under an individual to be innovative and create positive changes that will foster growth and enhance the success of a business firm or company in the future.

This ultimately implies that, beyond an individual possessing the traits or qualities of a leader, leadership in itself is a process that revolves around the activities or happenings between the leader and those who he or she is leading, which are the followers. Thus, leadership is simply a continuous process and it's transactional in nature because it occurs between a leader and the followers.

In this scenario, Tanya has recently been appointed CEO of a corporation that specializes in computer software. The corporation has made a substantial profit since she joined due to her emphasizing the importance of deadlines and sales goals to her software design team. Thus, Tanya is best described as a transactional leader because she is more concerned with her team (followers) meeting set targets (goals) or defined requirements, objectives and expected level of results (performance).

Answer to Question 1:

The forces that had lessened the importance of the cost and management accounting systems in today's dynamic world are as under:

Answer to Question 2:

The target costing is a costing technique that helps to reduce the cost of the company operations by setting cost targets for the operations. The first step under target costing is to set a selling price for the product and the second step is to set the target profit margin. Now at this position we are able to derive the target cost by taking the difference of profit margin and the selling price of the product. At this stage the actions and reforms required to achieve this target cost are determined and implemented in the current operating activities. The best part of the target costing is that it says that the pricing though matters but the main aspect of a product success is its cost controls. If the company is able to control the cost of the product then it can control the movement of prices in the market. So target costing specially focuses and stresses upon cost control procedures.

As Target costing is all about cost controlling and can be applied to any sector. In Ghana, target costing will help to control the cost of the services that the banking sector renders to its customers. This reduction in services cost can be achieved by automation, installation of new softwares, Investing in automated teller machines, etc. By gaining efficiencies, the banking sector will substantially reduce its cost thus achieving its target cost.

By achieving the target cost the bank will have to sell at the same rate as the bank had invested its time and money in efficiency gaining activities. There are a lot of activities and products that can be automated and that can help to achieve the target cost. For example, promoting internet banking will reduce the cost of ATM management, paper cost, management time, additional branch opening or extension of building, etc. We can see how easily internet banking will assist the banking sector to achieve its target costs.

Making your project// company important fo the society and other business.

Answer:

..m.

mm

Explanation:

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Answer:

The answer is "Option a".

Explanation:

Risk appetite refers to individuals and a shareholder who doesn't even take risks or wants lower risk and care not when the return will be less than the high risk with the higher return policy. threat averses

It is risk-free, therefore Kylie will choose it. When he invests his \(\$1,000\) interest rate is \(5\%\) per year for two years

\(5\% \ of\ \$1000 = 50\)

\(\$50\) the year in which he receives\(\$100\) as a share of his\(\$1000\) investment in two years. The total return he receives is\(= \$1100\)

Answer:

(A) or Option #1

Explanation:

I've taken this on edge before. I had to guess when I did it but here's the correct answer. Good luck in your classes, man.

Answer:

ordinary shares

non-voting shares

redeemable shares

preference shares

Explanation:

crazy what a quick go ogle search can do! :)

Answer:

Which of the following retirement accounts would traditionally be offered by an employer instead of a traditional pension plan? ... A Roth IRA is beneficial because your withdrawals are tax-free.

Explanation:

Which of the following retirement accounts would traditionally be offered by an employer instead of a traditional pension plan? ... A Roth IRA is beneficial because your withdrawals are tax-free.

Answer:

C. Roth IRA

Explanation:

Develop a plan for business communication. Promote one-on-one interactions. Add a dash of comedy. Encourage two-way dialogue. Consistency is important in your communication. Use visual aids.

Teach your employees how to communicate effectively. We'll send you a personalized paper written to your specifications. The goal of Boeing's most recent strategy is to close the production and perception gap. Boeing is recognized as an industry leader in the production of commercial aircraft.

Boeing has maintained its competitive advantage through the technical performance of cutting-edge aircraft products for many years. Business strategy has steadily altered over the past five years in favor of financial success through cost-cutting, asset disposal, and an increased reliance on international suppliers.

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If a firm reacts to other firms' market decisions by anticipating how the other will then react, this is known as strategic interaction or game theory.

In game theory, firms are viewed as strategic actors who make decisions based not only on their own interests but also on their expectations of how their competitors will respond. This approach assumes that firms are rational and seek to maximize their profits.

For example, if one firm lowers its prices, the other firms in the market may anticipate this move and respond by lowering their prices as well. Alternatively, a firm may choose to differentiate its product or service to avoid direct competition.

Strategic interaction is an important concept in economics and helps to explain the behavior of firms in markets with imperfect competition. By understanding the strategic interactions between firms, businesses can make better decisions about pricing, product development, and marketing strategies.

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The reason why the particular ad in question might not cause consumers to make an immediate purchase is a result of the lagged effect.

In marketing, the lagged effect simply means that there is a delayed response to the advertisement of marketing campaign by consumers who are the potential market. In other words, the consumers who are the potential market might have seen the advertisement or marketing campaign, but did not buy the product or service that they were being offered.

The reasons for this can be several in number with one of them being that the product being advertised has not yet gained societal approval. This is a possible reason for the ad that Ayla watched on her new line of non - gmo snack foods. Maybe people have gotten used to GMO snack foods for so long that they have a lagged effect to advertisements encouraging them to use other snacks.

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106,000 be the total shipping cost if 12,000 units were produced and sold.

Variable cost for 10,000 units = (100,000*30%) =30,000

Per unit = 3

Fixed cost = (100,000-30,000) = 7,0000

Total shipping cost for 12,000 units

= (12,000*3) + 70,000

= 106,000.

Ideally, the seller pays the freight to the main port or other destination and the buyer pays the freight from the warehouse to the store or supplier.

Shipping cost means shipping and related transportation costs to receive the package from the carrier to the end user. This fee includes surcharges, fuel charges, and other costs associated with travel distance and selected delivery date.

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Answer:

entire

Explanation:

Lenders will always check a borrower's credit history before advancing credit to them. The lenders' main interest is to assess the risk involved in extending credit to a customer. A borrower with a history of late payments and defaulting on loans is considered high- risk and unsuitable for credit facilities.

Lenders prefer clients who are quick in debt repayments. They consider them a low-risk customer and highly unlikely to default on loans. Such customers will always have a low debt-to-income ratio.

The United States and China inked a bilateral trade deal and restored diplomatic ties in 1979. As a result, trade between the two countries grew quickly, from $4 billion in that year to nearly $600 billion in 2017.

In a free trade economy, import and export restrictions do not exist. It can also be viewed as the application of the free market theory to international trade. Economic nationalist and left-wing parties, which frequently favor protectionism, the antithesis of free trade, are less likely to support free trade than political parties with economic liberal attitudes. Through the World Trade Organization, the majority of nations today take part in multilateral trade agreements. The best illustration of free trade was provided by Great Britain, which unilaterally reduced import and export regulations and tariffs from the middle of the 19th century until the 1920s. Establishing free trade zones through accords, such as the European Economic Area and the North American Free Trade Agreement, is a different approach.

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