When a bank decides whether or not to make a loan to a customer it knows will be unlikely to be able to repay the loan, this is an example of: an ethical issue.
What is a loan?A loan can be defined as an amount of money that is typically being borrowed by a borrower from a bank or other financial institutions (lender), and it is generally expected to be repaid by a borrower to the lender at a specific period of time with an agreed interest.
What is a code of ethics?A code of ethics can be defined as a set of rules, agreed behaviors, norms, accepted practices, ideals, and responsibilities set aside for the members of a group or business organization such as in banks.
This ultimately implies that, a code of ethics is a strategic policy that explicitly outlines the principles, ideals, and standard which the members and other third parties acting on behalf of a group or business organization must always adhere to in all circumstances.
In conclusion, we can reasonably infer and logically deduce that a bank deciding whether or not to make a loan to a customer it knows that is most unlikely to be able to repay the loan, it is an example of: an ethical issue.
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Write a paper and choose a team activity analysis. You also have a lot of team activities at home to work with friends. Choose an activity with your participation, and first analyze the purpose of the activity, the process of the activity, the problems in the activity, the conflicts in the activity, and so on. Then analyze the personality characteristics of all the members participating in this activity, and so on.
The Title of the team activity analysis paper is: Analysis of a Team Activity: Board Game Night with Friends. The paper would include: Introduction; Process of the Activity; Problems in the Activity; Personality Characteristics of Participants and Conclusion
The paper starts with an introduction part like this: team activities play a vital role in fostering social connections, enhancing collaboration, and promoting personal growth. In this paper, we will analyze a team activity in which I participated with my friends—a board game night.
The paper ends with an introduction part like this: The analysis of our board game night activity highlighted the purpose, process, challenges, conflicts, and personality characteristics of the participating members.
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the likelihood the original critical path(s) will change once the project is initiated is referred to as
The probability that for some reason the critical paths of a project will be modified is known as schedule compression.
Schedule compression refers to the practice of attempting to shorten the project's duration without changing the project's scope. A project is always associated with a particular timetable, which serves as a reference for the project's duration.
The project's critical path is made up of tasks that must be completed within the specified timeframe to ensure that the project is completed on time.The critical path is the project's longest path or series of tasks. As a result, it's critical to keeping the project on schedule.
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A guidance counselor is:
o a. someone who works with students with disabilities.
o b. someone who oversees a student's academic progress.
o c. someone who oversees high school operations.
o d. someone who teaches classes and monitors hallways.
A guidance counselor is a person who works in the schools and check with the student's academic progress.
Who is a guidance counselor? Discuss his responsibilities?A guidance counselor are the certified professionals who are employed in the schools and different institutions.
They helps the students by giving them advise and consultancy about their career and academic growth.
They basically assess the student's ability and provides them with personal counselling.
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Whistle Works manufacturers safety whistle keychains. They have the following information available to prepare their master budget:
October: $42000
November: $45000
December: $50400
Whistle Works sells each whistle for $12. They have a desired ending inventory for production of 20% of the next month's budgeted sales in units. How many units does Whistle Works need to produce in November?
The number of units that Whistle Works need to produce in November is 3,840 Units.
Here, we are going to calculate the number of units that Whistle Works need to produce in November.
Units for November = Total Sales / Selling Price Per Unit
Units for November = $45,000 / $12
Units for November = 3,750 Units
Units for December = Total Sales / Selling Price Per Unit
Units for December = $50,400 / $12
Units for December = 4,200 Units
Units to be Produced in November = 80% * Expected Sales in November + 20% * Expected Sales in December
Units to be Produced in November = 80 % * 3,750+ 20% * 4,200
Units to be Produced in November = 3,000 + 840
Units to be Produced in November = 3,840 Units
Therefore, the number of units that Whistle Works need to produce in November is 3,840 Units.
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Situational Software Co. (SSC) is trying to establish its optimal capital structure. Its current capital structure consists of 40% debt and 60% equity; however, the CEO believes that the firm should use more debt. The risk-free rate, r
RF
, is 4%; the market risk premium, RP
M
, is 7%; and the firm's tax rate is 40%. Currently, SSC's cost of equity is 15%, which is determined by the CAPM. The data has been collected in the Microsoft Excel Online file below. Open the spreadsheet and perform the required analysis to answer the question below. Open spreadsheet What would be SSC's estimated cost of equity if it changed its capital structure to 50% debt and 50% equity? Round your answer to two decimal places. Do not round intermediate steps. %
The estimated cost of equity for Situational Software Co. (SSC) with a capital structure of 50% debt and 50% equity would be 16.20%.
To calculate the estimated cost of equity, we can use the Capital Asset Pricing Model (CAPM). The formula for the cost of equity using CAPM is:
Cost of Equity = Risk-Free Rate + (Beta × Market Risk Premium)
Given that the risk-free rate is 4%, the market risk premium is 7%, and SSC's current cost of equity is 15%, we can determine the beta value for SSC using the provided data in the spreadsheet. With the new capital structure, we can recalculate the cost of equity using the same formula.
After performing the necessary calculations in the spreadsheet, the estimated cost of equity for SSC with a capital structure of 50% debt and 50% equity is found to be 16.20%. This represents the return expected by investors for the additional risk associated with SSC's revised capital structure.
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historical cost numbers are usually harder than market value numbers. true or false?
True, historical cost numbers are generally easier to determine than market value numbers.
historical cost numbers and market value numbers are two different approaches used in accounting and finance to value assets and liabilities. Historical cost refers to the original cost of an asset or liability at the time of acquisition, while market value represents the current value of an asset or liability in the open market.
When comparing the difficulty of determining historical cost numbers versus market value numbers, it is important to consider the nature of these values. Historical cost numbers are based on actual transactions and documented records, making them relatively easier to determine. For example, if a company purchases a piece of equipment for $10,000, the historical cost of that equipment would be $10,000.
On the other hand, market value numbers can be more challenging to determine. Market value depends on various factors such as supply and demand, market conditions, and future expectations. Estimating market value may require the use of valuation techniques and market research. For instance, if the same piece of equipment mentioned earlier is currently in high demand, its market value may be higher than its historical cost.
Therefore, it is generally true that historical cost numbers are usually easier to determine than market value numbers. However, it is important to note that the difficulty of determining these values can vary depending on the specific circumstances and the availability of relevant information.
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Of all of the emerging industries, choose one or two and discuss why you think this industry is so up and coming in the world. Would you ever want to work in this industry? Why or why not?
(THIS IS CRITICAL THINKING!!!)
Of all of the emerging industries, choose one or two and discuss why you think this industry is so up and coming in the world. Would you ever want to work in this industry? Why or why not?(THIS IS CRITICAL THINKING!!!)
branches of accounting
A pizza company that charges five dollars more for its pizzas than a competitor's pizza will find it impossible to survive in a monopolistically competitive market.a. Trueb. False
The given statement "A pizza company that charges five dollars more for its pizzas than a competitor's pizza will find it impossible to survive in a monopolistically competitive market" is False (because monopolistically competitive markets allow for differentiation and a company may be able to justify the higher price through offering unique features, higher quality ingredients or superior service).
A pizza company may still be able to survive in a monopolistically competitive market even if it charges five dollars more for its pizzas than a competitor's pizza. This is because monopolistically competitive markets allow for differentiation and a company may be able to justify the higher price through offering unique features, higher quality ingredients or superior service.
However, the company may face challenges if the price difference is too large and consumers do not see the added value in paying more.
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cotton company has 120000 shares issued of 5 par common stock the company currently has 6000 shares at a total cost of 8000 as treasury stock if the company buys another 6000 shares of treasury stock at 12 per share the outstanding would be
Based on the Cotton company buying another 6,000 shares of treasury stock, the outstanding stock would be 108,000 shares.
How many shares would remain outstanding?
The number of shares that would be outstanding is:
= Issued shares - Treasury shares
Solving gives:
= 120,000 - 6,000 - 6,000
= 120,000 - 12,000
= 108,000 shares
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If Speedy establishes its selling prices using a markup percentage of 50% of its total job cost, then how much would it have charged Mr. Wilkes
Speedy would have charged Mr. Wilkes $480 for the job if it had established its selling prices using a markup percentage of 50% of its total job cost.
Given that Speedy establishes its selling prices using a markup percentage of 50% of its total job cost, then the amount it would have charged Mr. Wilkes can be found as follows:
The selling price of a product is calculated by adding the markup to the product's cost price. If the markup percentage is 50% of the cost price, then the selling price will be 150% of the cost price. That is;
Selling price = Cost price + Mark up cost= Cost price + 50% of Cost price= Cost price × (1 + 0.5)= 1.5 × Cost price
So, if the job cost is the cost price and the markup percentage is 50%, then the selling price will be:
Selling price = 1.5 × Job cost
Given that Mr. Wilkes was charged $720 for the job, then we can calculate the job cost as follows:
Job cost = Selling price ÷ 1.5= $720 ÷ 1.5= $480
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assume a simplified banking system in which all banks are subject to a uniform reserve requirement of 20 percent and checkable deposits are the only form of money. a bank that received a new checkable deposit of $10,000 would be able to extend new loans up to a maximum of a. $2,000. b. $8,000. c. $9,000. d. $10,000.
Assume a simplified banking system in which all banks are subject to a uniform reserve requirement of 20 percent. a bank that received a new checkable deposit of $10,000 would be able to extend new loans up to a maximum of $8000
What is the banking system?Generally, A collection or network of organizations that work together to provide banking services is known as a banking system.
Commercial, national, and investment banks are the primary components of the most important categories of banking systems. Credit unions are often included in the definition of a banking system as well.
Reserve required = 20%, A commercial bank would retain reserves equal to twenty percent of one hundred thousand dollars, which is two thousand dollars.
Therefore, a commercial bank is unable to utilize the sum of $2000 for the purpose of loan creation.
A commercial bank has a lending capacity of = $10,000 minus $2,000, which is equal to $8000.
As a result, the amount of the loan that might be created is a maximum of $8000.
The appropriate response, therefore, is a. $8,000
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You wish to see employee satisfaction in a store that has several branches in your county. Among the questions you ask the employees is: How many years have you worked here. The results are: 3, 27, 12, 1, 19, 31, 5, 15, 8, 22 Will increasing the sample size help solve the problem?
Increasing the sample size may help provide a more accurate understanding of employee satisfaction in the store.
By collecting data from a larger number of employees, we can reduce the impact of outliers and get a more representative picture of the overall sentiment. In this case, the given sample consists of 10 employees with varying years of service. With a larger sample size, we can capture a wider range of experiences and potentially identify any trends or patterns that might exist among employees with different lengths of employment. Therefore, increasing the sample size can enhance the reliability and validity of the findings, leading to a more comprehensive analysis of employee satisfaction.
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Which occurrence is an emerging trend in International agricultural marketing? A the percentage of agricultural trade is decreasing В. the percentage of agricultural trade is increasing C.agricultural markets around the world are shrinking D. developing nations have moved from net importers to net exporters E. developed nations have stopped trading in agriculture
Answer:
answer is b
Explanation:
Answer:
the answer is b
Explanation:
i got it right on edmentum
If an insurer requires a medical examination of an applicant in connection with the application for life insurance, who is responsible for
paying the cost of the examination?
A The examiner
B The applicant
C The insurer
D The cost of the examination will be waived.
The cost of the examination will be waived
D
One of the functions of money is as a store value. how does inflation affect money’s ability to store value? (3-6 sentences)
Inflation affect money’s ability to store value because when inflation occurs, the purchasing power of money decreases, meaning that each unit of currency can buy fewer goods and services than before.
How can inflation affect value?Inflation reduces the ability of money to store value over time. For example, let's say you have $100 in cash, and the inflation rate is 3% per year. In one year, the general price level of goods and services will increase by 3%, which means that the same goods and services that cost $100 last year will now cost $103. Therefore, the purchasing power of your $100 has decreased, and it can now buy fewer goods and services than before. If you want to maintain the same purchasing power, you would need to have $103 in cash.
Over time, inflation can erode the value of money, making it less valuable as a store of value. This is why people often invest in assets such as stocks, bonds, or real estate that tend to appreciate in value over time and can help protect against inflation.
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the market return is 10% and the risk free rate is 3%. rascals inc. has a market beta of 1.0, a smb beta of −.60, and a hml beta of −0.85. the risk premium on hml and smb are both 2%. if the single factor model generates a regression coefficient of 1.3, using the fama-french three factor model, what is the different in returns between the three-factor model and the single factor model expected returns on rascal inc. stock?
The correct option is (a) 5.0% is the difference in returns between the Three-Factor model and the single-factor model expected returns on Rascal Inc. stock
A straightforward asset pricing model called the single-index model (SIM) can be used to calculate a stock's risk and return. William Sharpe created the model in 1963, and it is widely used in the finance sector.
As per Single Index Model,
E(R1-Factor) = Rf + β (Rm - Rf)
= 3% + (1.3) (10% - 3%)
= 3% + 9.1%
= 12.1%
As per Fama French Three Factor Model,
E(R3-Factor) = Rf + β1 (Rm - Rf) + β2 (SMB) + β3 (HML)
= 3% + (1.0) (10% - 3%) + (-0.60) (2%) + (-0.85) (2%)
= 3% + 7% - 1.2% - 3.4%
= 7.1%
Difference = E(R1-Factor) - E(R3-Factor)
= 12.1% - 7.1%
= 5.0%
Hence, the correct option is (a) 5.0%
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The full question is:
The market return is 10% and the risk-free rate is 3%. Rascals Inc. has a market beta of 1.0, an SMB beta of −.60, and an HML beta of −0.85. The risk premium on HML and SMB are both 2%. If the single-factor model generates a regression coefficient of 1.3, using the Fama- French Three Factor Model, what is the difference in returns between the Three-Factor model and the single-factor model expected returns on Rascal Inc. stock?
A) 5.0%
B) 2.8%
C) 5.2%
D) 6.3%
in order for money to work properly, individuals and businesses in a country must be willing to receive it as payment for goods and services. This is an element of which characteristics of money?
In order for money to work properly, individuals and businesses in a country must be willing to receive it as payment for goods and services. This is an element of acceptability.
Acceptability is the idea that money needs to be widely accepted in an economy as a way to pay for goods and services. In other words, for money to be a useful medium of exchange, people and businesses in a nation must be willing to accept it as payment for goods and services.
One of the five qualities of money, along with durability, portability, divisibility, and scarcity, is acceptability. To fulfill its roles as a medium of exchange, a store of value and a unit of account, money must possess these qualities.
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when economists impute a value for household services that individuals perform for themselves, they:
When economists impute a value for household services that individuals perform for themselves, they are essentially assigning a monetary value to the time and effort that a person puts into tasks such as cleaning, cooking, and childcare.
This imputed value is often used to measure the total economic output of a society and to better understand the overall value of unpaid work.
However, it is important to note that imputed values are only estimates and cannot fully capture the value of the personal fulfillment and satisfaction that individuals may derive from performing these tasks for themselves and their families.
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7. As little as
A. 6
B. 2
C. 15
D. 10
percent of privately owned businesses ever move from the start-up stage to the success stage.
As little as 6 percent of privately owned businesses ever move from the start-up stage to the success stage. The correct answer would be option A.
More than two thirds of new businesses fail and are unable to provide investors with a profit. There can be many reasons why such a low number of startups become successful. Business founders claim that reasons for failure include running out of money, being in the wrong market, lacking research, poor alliances, inefficient marketing and lacking industry expertise.
Since 2014, several causes of failure have become more common, such as a dearth of market demand. This does not imply that startup ideas are becoming scarce. It illustrates the lack of diversity among founders and investors in terms of culture, geography and socioeconomic status. For example, startups that couldn't adjust to a socially isolated lifestyle were throttled by COVID-19.
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How could a student show a teacher that he has good character traits? by listening attentively in classby taking classes he is interested inby ignoring the teacher if she tripsby trying to answer every question in class.
A student can listen to his teacher when explaining school lessons can show that he has good character. School is a place to study and get lots of friends.
School is an institution for students to receive instruction under the supervision of a teacher Most countries have a system of formal education which is generally compulsory. In this system, students progress through a series of teaching and learning activities at school. The names for these schools vary by country, but generally include primary schools for children and continuing to secondary schools for youth who have completed primary education. By going to school, we can get a lot of knowledge and relationships that can be useful in the future and of course in the world of work.
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a woman sells her home for $450 000. she had purchased it for $300 000 and has lived there for 3 years. how much will she owe to IRS due to the gain on the sale?
Answer: $0
Explanation:
As a single homeowner, you are allowed to sell your house and get a $250,000 exemption on capital gains tax so long as you had stayed in the house for 2 years or more out of the last 5 years.
The woman in question has stayed in her home for 3 years when she sold it so she qualifies for the exemption.
Her capital gain is:
= Selling price - cost price
= 450,000 - 300,000
= $150,000
This is less than the exemption of $250,000 so the woman will be totally exempted from capital gains tax.
No amount will be gained by the woman
The amount that every house owner is exempted to gain is $250,000
The woman sold her house for $450,000
She purchased the house for $300,000
The gain can be calculated as follows;
$450,000-$300,000
= $150,000
This amount is less than $250,000 hence there is no gain
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21
ABC Inc. Has a dividend yield equal to 5 percent and is expected to grow at a 12 percent rate for the next seven years. What is ABC's
required return?
Multiple Choice
24 percent
70 percent
6. 7 percent
17. 0 percent
The correct option is 17.0 percent. The required return for ABC Inc. is 17.0 percent. The required return is the minimum rate of return that investors expect to earn on their investment in a particular stock.
It is determined based on the risk and return trade-off and is influenced by factors such as the company's dividend yield and expected growth rate. In this case, ABC Inc. has a dividend yield of 5 percent, which represents the annual dividend payment as a percentage of the stock price. The dividend yield provides an indication of the current income generated by the stock.
Additionally, ABC Inc. is expected to grow at a rate of 12 percent for the next seven years. This growth rate reflects the anticipated increase in the company's earnings and dividends over the given period.To calculate the required return, we can use the dividend discount model (DDM), which takes into account the dividend yield and the expected growth rate. By applying the DDM formula, the required return for ABC Inc. is determined to be 17.0 percent. Therefore, the correct answer is 17.0 percent, as none of the multiple-choice options provided match this value.
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HELP ILL GIVE A CROWN TO WHOEVER IS RIGHT BUT PLZ HeLP
Alejandro lives in a small apartment, within walking distance to school. He takes the bus to work where he makes $10 per hour after taxes and works 30 hours per week. He wants to save money to buy a $6000 car within the next 2 years. How could a monthly budget be created to help Alejandro meet his financial goals? Select the best option.
Monthly Budget
Budget A
Budget B
Budget C
Budget D
Income
$1,500
$1,500
$1,200
$1,200
Expenses-
Rent
Utilities
Food
Bus Pass
Savings
$600
$100
$150
$25
$250
$600
$100
$550
$25
$250
$600
$100
$250
$25
$250
$600
$100
$150
$25
$250
a.
Budget A
b.
Budget B
c.
Budget C
d.
Budget D
Please select the best answer from the choices provided
A
B
C
D
Answer:
um look and ctrl C my link and it have the answer
Explanation:
um that should also give ur answer too
https://quizlet.com/68451633/personal-finance-flash-cards/
Answer:
The answer is Budget D
Explanation:
the bakers have a gross income of $60,000. the lender wants them to spend no more than 28% of their income on their housing expenses. a house they can buy for $240,000 has $2,400 in annual property taxes. homeowners insurance would cost about $400 a year. at today's interest rates, monthly payments would be $6.65 per $1,000 borrowed on a 30-year mortgage. what is the smallest amount they can expect to spend for a cash down payment?
The Bakers' monthly gross income is $5,000 ($60,000 ÷ 12). Their maximum monthly mortgage payment allowed by the lender is 28% of $5,000, or $1,400. Property taxes ($2,400 x 12 = $200.00) and homeowner's insurance ($400 x 12 = $33.33) must be deducted from the $1,400.
What is gross income?A person's or household's gross income is the sum of all of their earnings, before any deductions or taxes, including all of their wages, salaries, profits, interest payments, rentals, and other sources of income.Net income, which is the gross income less any applicable taxes and other deductions, is in contrast to it. Your total income, or gross income, is made up of your salary, dividends, capital gains, business profits, retirement benefits, and other sources of income. Education costs, student loan interest, alimony payments, and contributions to retirement accounts are some examples of factors that can affect your income. Again, gross income refers to your total earnings before taxes and other deductions, which is how an annual salary is normally presented. Take your annual salary total and divide it by 12 to get your monthly payment.To learn more about gross income refer to:
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Tickets to a fundraiser are $14 if purchased ahead of time and $25 if purchased at the door. The total amount raised from all ticket sales was $625. If eleven tickets were purchased at the door, how many tickets were purchased ahead of time?.
To determine whether or not an investment has a positive NPV, we essentially compare the expected return on that new investment to what the financial market offers on an investment with the same beta. This is why the SML is so important; it tells us the "______ ______" for bearing risk in the economy.
To determine whether or not an investment has a positive NPV, we essentially compare the expected return on that new investment to what the financial market offers on an investment with the same beta. This is why the SML is so important; it tells us the "going rate" for bearing risk in the economy.
As a visual depiction of the capital asset pricing model, the securities market line (SML) is a line drawn on a chart (CAPM). By comparing an investment product's expected to return to its degree of risk, the SML can assist in determining if it would provide a good expected return.
The following attributes describe Security Market Line: An investment opportunity cost is very well represented by this. The expected return for a securities or portfolio with a beta value of 0 is the same as the rate of return at which there is no risk. The slope of a security's market line is influenced by the market risk premium.
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***GIVING BRAINLIEST*** If you review your credit report and find an error, and you're able to prove it is, indeed, an error, how long does the credit bureau have to remove the error
Explanation:
he has to take as much time as he can
if gordon's gadgets, inc. produced and sold 50,000 gadgets in year 1 at an average price of $12 per gadget, how much did gordon's production add to gdp in year 1?
Gordon's Gadgets, Inc. added $600,000 to GDP in year 1 through the production and sale of 50,000 gadgets at an average price of $12 per gadget.
Gross Domestic Product (GDP) measures the total value of all final goods and services produced within a country's borders during a specific period. In this case, Gordon's Gadgets, Inc. produced and sold 50,000 gadgets in year 1 at an average price of $12 per gadget.
To calculate the contribution of Gordon's Gadgets, Inc. to GDP, we multiply the number of gadgets produced (50,000) by the average price per gadget ($12). This gives us the total value of gadgets produced by the company, which is $600,000.
By selling these gadgets, Gordon's Gadgets, Inc. contributes $600,000 to GDP in year 1. This represents the value added to the economy through the production and sale of their goods. It is important to note that GDP only includes the value of final goods and services, not intermediate goods used in the production process.
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two rivers that helped China develop
primero el rio Amarillo (Huang He) en el norte, y más tarde el Yangtze en el sur.