Your mortgage is a 30-year fixed at 8% on $150,000. You are considering refinancing at 3. 5% fixed for 30 years. The bank charges you 1. 5% of your debt in closing fees. Approximately how long will it take you to recoup the closing fees from the reduced loan payment amount?.

Answer:

Either increasing supply or lowering demand

Explanation:

increasing supply:

e.g. when less developed countries (LDCs) experience a famine or drought, other countries can supply food and/or water to them

lowering demand:

finding alternative solutions of the product (that have the same effect as the original product) or reducing the reasons for why there is a high demand

- e.g. crops not growing well due to weather/crop disease going around -> find a crop that is more resistant to the disease (reducing reasons for demand)

- e.g. rice field has an infestation -> not yielding enough rice to feed the population -> population feels hungry and other foods cannot help them feel full/sustain them -> find another crop to substitute, like yam or potatoes that are equally filling (alternative solutions)

but these two are pretty much the same so

also please note I don't take any courses on supply and demand other than geography so I might be completely wrong

Economists calculate GDP by both the expenditure approach and the income approach Since the combined estimates from the two approaches produce a more accurate measure of GDP, economists typically employ both methods to calculate GDP.

What is the full form of GDP?

Full form of the word GDP is Gross Domestic Product. GDP is the total financial or market value of all finished products and services produced within a country's borders during a specific period of time. It acts as a precise gauge of total domestic output and a comprehensive report card on the state of a nation's economy.

In contrast, the revenue strategy is more suited for the service industry than the spending method.

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Answer:

NFC East: Football Team, ‎Cowboys‎, ‎Giants‎, ‎E...‎

NFC South: Buccaneers, ‎Saints‎, ‎Panthers‎, ‎Fal...‎

NFC North: Packers, ‎Bears‎, ‎Lions‎, ‎Vikings‎

NFC West: Seahawks, ‎Cardinals‎, ‎Rams‎, ‎49ers‎

Explanation:

Answer:49ers

Explanation:

Answer: Rumors

Explanation: i had this topic last year

Answer:

D

Explanation:

The steps that can be taken after the college fair is to continue researching colleges on your own. Therefore, Option D is correct.

Research can be defined as "creative and methodical activity done to improve the body of knowledge."

It entails gathering, organizing, and analyzing data in order to improve understanding of a subject or problem.

Therefore,  The steps that can be taken after the college fair is to continue researching colleges on your own. Option D is correct.

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Answer:

You can work at publix as a cashier. They acept 14 year olds. And ur in 8th grade as 14 which is in middle school.

Explanation:

This is the best job u can get as a kid

also brainlist me pls

C. The Executive. Hope that helps...

The Executive is considered the highest level of management. Option C is correct.

Management may be described as the process of completing the job or activity necessary to achieve an organization's goals in an efficient and effective manner.

The process implies the management functions. This includes organizing, planning, staffing, directing, and controlling. A manager's responsibility is to offer common guidance and direction to individual efforts to achieve organizational goals.

Management contributes to increased corporate efficiency by increasing productivity via effective planning, organizing, controlling, and directing.

Therefore, option A is correct that The Executive is the most senior level of management.

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If the required reserve ratio is increased from 10 percent to 12 percent and there is a $10,000 new deposit, the maximum increase in the money supply will be $8,333.33.

When a new deposit is made, banks are required to hold a portion of the deposit in reserve, according to the reserve ratio set by the Federal Reserve. If the reserve ratio increases, banks must hold a larger portion of the deposit in reserve, which reduces the amount of money that can be lent out as loans.

In this case, with a new deposit of $10,000 and a required reserve ratio of 12 percent, banks must hold $1,200 in reserve ($10,000 x 0.12). This leaves $8,800 that can be lent out as loans. Since loans create deposits, this $8,800 can potentially increase the money supply by that amount. Therefore, the maximum increase in the money supply will be $8,333.33 ($8,800 / 0.105, where 0.105 represents the deposit multiplier of 1/required reserve ratio).

This assumes that all of the money that can be lent out is actually lent out and deposited in other banks, which may not always be the case in practice.

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Multinational corporations move resources, goods, services, and skills across national boundaries without regard to the country in which they are headquartered.

Multinational corporations:

What do multinational firms mean?

Any company that is registered and conducts business in more than one nation at once is referred to as a multinational corporation (MNC), sometimes known as a transnational corporation. The corporation typically operates totally or partially owned subsidiaries in other nations while having its headquarters in one particular nation.

MNCs provide their goods and services in many different nations, necessitating global management. Multinational companies have many assets, a high rate of turnover, and aggressive marketing. The MNCs in India include LTI, TCS, Tech Mahindra, Deloitte, and Capgemini, to name a few.

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Based on the information provided, the copy company should hire another worker to expand output.

This conclusion is based on the fact that adding two copiers increased output by 40,000 pages per day, while adding five workers increased productivity by 25,000 pages per day.

Since the cost of a copier is about three times the cost of a worker, it would be more cost-effective to hire another worker rather than purchasing a new copier. By doing so, the company can further increase its output and productivity.

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Miracle on Ice 1972 Winter Olympic hockey game, BC's introduction of Monday Night Football, and the 1975 MLB World Series (Reds vs Red Sox) to follow suit and adopt a more entertainment-focused approach to sports broadcasting.

The landmark sport television program that became the first sporting event to move to prime time television and become as much about entertainment as the sport was the launch of the X Games. While there have been several pivotal moments in sports history that have captured the attention of millions, the X Games was unique in that it combined extreme sports with a high-energy, youth-oriented style that made it as much about the entertainment value as it was about the actual competition. This marked a significant shift in the way that sports were viewed on television.

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Answer:

Hector does not commit sexual harassment against Kylie when he asks her out. It is a one time event, and he does not push the issue. Kylie does not commit sexual harassment when she refuses Hector's proposal for a date. She does not demean him. Kylie does commit sexual harassment when she brings the incident up in the workplace. She speaks disparagingly of Hector's sexuality and it gets back to him. He can bring a sexual harassment claim against Kylie through his company.

Explanation:

on e2020

Answer:

Hector does not commit sexual harassment against Kylie when he asks her out. It is a one time event, and he does not push the issue. Kylie does not commit sexual harassment when she refuses Hector's proposal for a date. She does not demean him. Kylie does commit sexual harassment when she brings the incident up in the workplace. She speaks disparagingly of Hector's sexuality and it gets back to him. He can bring a sexual harassment claim against Kylie through his company.

Explanation:

Your annual payment of $119,223.59 you have to make.

The interest rate per annum is 8%.

How Do Interest Rates Work?

The amount a lender charges a borrower is called an interest rate, and it is expressed as a percentage of the principal or the lent amount. Typically, a loan's interest rate is expressed as an annual percentage rate, or APR (APR).

A savings account or certificate of deposit earnings with a bank or credit union may also be subject to an interest rate (CD). The interest received on these deposit accounts is measured in annual percentage yields (APY).

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Stock price per share: $222.51. The valuation estimate of Home Depot's stock using the DCF model is higher than the closing price of $174.86, indicating that the stock is undervalued.

a. To estimate the value of a share of Home Depot's common stock using the discounted cash flow (DCF) model, we need to calculate the present value of future cash flows.

1. Calculate the free cash flows to the firm (FCFF) for each forecast period. FCFF is calculated by subtracting net nonoperating obligations (NNO) from the net operating profit after tax (NOPAT).

FCFF 2018 = NOPAT 2018 - NNO

FCFF 2019 = NOPAT 2019 - NNO

FCFF 2020 = NOPAT 2020 - NNO

FCFF 2021 = NOPAT 2021 - NNO

FCFF 2022 = NOPAT 2022 - NNO

FCFF Terminal = NOPAT 2022 * (1 + Terminal growth rate) / (Discount rate - Terminal growth rate)

2. Determine the present value factor for each forecast period. The present value factor is calculated as 1 / (1 + discount rate) raised to the power of the forecast period.

PV Factor 2018 = 1 / (1 + Discount rate)¹

PV Factor 2019 = 1 / (1 + Discount rate)²

PV Factor 2020 = 1 / (1 + Discount rate)³

PV Factor 2021 = 1 / (1 + Discount rate)⁴

PV Factor 2022 = 1 / (1 + Discount rate)⁵

PV Factor Terminal = 1 / \((1 + Discount rate) ^ {(5 + 1)\)

3. Calculate the present value of each FCFF by multiplying the FCFF for each period by its corresponding PV factor.

PV FCFF 2018 = FCFF 2018 * PV Factor 2018

PV FCFF 2019 = FCFF 2019 * PV Factor 2019

PV FCFF 2020 = FCFF 2020 * PV Factor 2020

PV FCFF 2021 = FCFF 2021 * PV Factor 2021

PV FCFF 2022 = FCFF 2022 * PV Factor 2022

PV FCFF Terminal = FCFF Terminal * PV Factor Terminal

4. Calculate the sum of all present values of FCFF to get the total present value (PV) of cash flows.

Total PV of Cash Flows = PV FCFF 2018 + PV FCFF 2019 + PV FCFF 2020 + PV FCFF 2021 + PV FCFF 2022 + PV FCFF Terminal

5. Divide the total PV of cash flows by the number of common shares outstanding to get the estimated value per share.

Estimated Value per Share = Total PV of Cash Flows / Number of Common Shares Outstanding

b. Comparing the valuation estimate with the closing price of Home Depot stock on March 28, 2019:

The closing price of Home Depot stock on March 28, 2019, was $174.86. Since the estimated value per share using the DCF model is $222.51, it suggests that the stock price is appropriately valued.

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The probable question may be:

Estimating Share Value Using the DCF Model Following are forecasts of Home Depot's sales, net operating profit after tax (NOPAT), and net operating assets (NOA) as of February 3, 2019, which the company labels fiscal 2018. $ millions Sales NOPAT NOA Forecast Horizon Period Reported Terminal 2018 2019 2020 2021 2022 Period $99,547 $106,515 $113,971 $121,949 $130,485 $133,095 11.107 11,930 12,765 13,658 14,614 14,907 23,502 25,145 26,905 28,789 30,804 31,420 Answer the following requirements assuming a discount rate (WACC) of 7.85%, a terminal period growth rate of 2%, common shares outstanding of 1,105 million, net nonoperating obligations (NNO) of $25,230 million Required a. Estimate the value of a share of Home Depot's common stock using the discounted cash flow (DCF) model as of February 3, 2019. Note: Do not round until your final answer; round your final answer to two decimal places. Stock price per share: $ 0 X b. Home Depot stock closed at $174.86 on March 28, 2019, the date the Form 10-K was filed with the SEC. How does your valuation estimate compare with this closing price? Stock price is appropriately valued

During the introductory stage of the industry life cycle, innovators will likely devote most of their time, money, and effort to research, development, and commercialization of their new product or service.

In the introductory stage, innovators are focused on introducing their innovative product or service to the market. They invest significant resources in research and development to refine and improve their offering, ensuring its viability and competitiveness. This stage is characterized by high uncertainty and risks, as the innovators need to validate their concept, assess market demand, and fine-tune their product-market fit. They also allocate resources towards marketing and promotion efforts to create awareness and generate initial customer interest. Innovators may seek funding or partnerships to support their ventures during this stage. Overall, the introductory stage is a critical phase where innovators concentrate their efforts on establishing a strong foundation for their product or service in the market.

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The error will be declared as overstated.

What is overstated?

If an account or a figure on an account is inflated, the amount represented on the financial statement will be more than it should be.

Auditors will question the board of directors of the corporation to explain why non-current assets in the accounts were exaggerated and not represented at their recoverable amount.

Preproduction expenses for the fiscal year 2010 were inflated by almost $4 million, totaling $55.4 million.

If an account or a figure on an account is inflated, the amount represented on the financial statement will be more than it should be.

The phrase "overstated" has two meanings when used by an accountant:

1. The reported sum is inaccurate, and

2. The amount that was reported exceeds what is true or accurate.

Another account will also have an inaccurate balance in a double-entry accounting or bookkeeping system.

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If a company mistakenly counts less items during a physical inventory than actually exist, how will the error affect the cost of merchandise sold?

Developing countries face debt challenges due to high interest rates, low returns, and economic cycles.

Many developing countries struggle with debt due to high interest rates and often low returns. This challenge exists due to several factors:

1. High interest rates: Developing countries often have limited access to credit and are considered riskier investments by lenders. As a result, they face higher interest rates, making it difficult to repay loans.

2. Low returns: Developing countries may struggle to generate sufficient income or economic growth to repay their debts. Factors such as corruption, political instability, and inadequate infrastructure can hinder economic development and limit returns on investments.

3. Economic cycles: Developing countries are more susceptible to economic downturns, which can further hamper their ability to generate income and repay debts.

A policy to alleviate this challenge could include:

1. Debt restructuring: This involves renegotiating the terms of the debt, such as extending the repayment period, reducing interest rates, or forgiving a portion of the debt.

2. Economic reforms: Implementing policies that promote economic growth and stability, such as improving governance, reducing corruption, investing in infrastructure, and diversifying the economy.

3. Financial assistance: Providing financial aid or loans with more favorable terms from international organizations or wealthier nations to help alleviate the debt burden.

4. Debt relief initiatives: Initiating debt forgiveness programs or participating in debt relief initiatives led by international organizations to reduce the overall debt burden.

Policies to alleviate this include debt restructuring, economic reforms, financial assistance, and debt relief initiatives. These measures can help reduce the burden and create more sustainable economic growth.

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Here are some potential obstacles in digital marketing and solutions to overcome. Determine who your target market is. Create a wonderful website, write excellent content, promote it, boost sales, and attract new leads, enhancement for mobile.

Digital marketing promotes goods and services by utilizing the Internet, other online-based digital technologies, such as desktop and mobile computers, as well as other digital media and platforms. In the 1990s and 2000s, it altered how companies and brands used technology for marketing. There are currently a lot of digital marketing campaigns due to the increased use of digital devices by consumers in place of physical stores as well as the integration of digital platforms into daily life and marketing strategies. SEO, SEM, content marketing, influencer marketing, campaign marketing, data-driven marketing, e-commerce marketing, social media marketing, and social media advertising are widely used in these endeavors.

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Answer:

violates the Foreign Corrupt Practices Act.

Explanation:

A contract can be defined as an agreement between two or more parties (group of people) which gives rise to a mutual legal obligation or enforceable by law.

There are different types of contract in business and these includes: fixed-price contract, cost-plus contract, bilateral contract, implies contract, unilateral contract, adhesion contract, unconscionable contract, option contract, express contract, etc.

The Foreign Corrupt Practices Act (FCPA) is a federal law of the United States of America that explicitly prohibits its citizens and business firms from engaging in bribery of foreign of foreign government officials in order to gain favors or profit their business. This Act was enacted by the 95th US Congress and signed into law by President Jimmy Carter on the 19th of December, 1977.

In this scenario, a United States firm recently won a large contract to provide Malayalam government officials with American cars and a promise of additional monetary gifts. Hence, this procedure clearly violates the Foreign Corrupt Practices Act of 1977.

Relative value is the opposite of absolute value. while absolute cost examines the cost of an asset or organisation with out evaluating it to any others, relative fee is primarily based on the value of similar assets or businesses.

Relative value is a technique of determining an asset's worth that takes into account the value of similar belongings. that is in contrast with absolute price, which seems most effective at an asset's intrinsic value and does not evaluate it to other assets. Absolute change refers to the easy difference inside the indicator over two intervals in time, i.e. Relative change expresses the absolute exchange as a percentage of the price of the indicator in the earlier length.  A relative maximum or minimum happens at turning factors at the curve wherein because the absolute minimal and most are the proper values over the entire area of the function. In different words the absolute minimum and most are bounded by means of the area of the function.

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purchase of weapons for the military

Answer:

Linkedin

Explanation:

it specializes in that department

Answer:

I think the answer is net pay

If a store runs out of advertised material during a sale, customers become upset, and the store loses not only the sale but also goodwill.

From past experience, a music store finds that the mean number of CDs sold in a sale is 845, the standard deviation is 15, and a histogram of the demand is approximately normal.

The manager is willing to accept a 2. 5% chance that a cd will be sold out. About 860 CDs should the manager order for an upcoming sale.

What is the law of supply?

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Answer:

its Heading beacuse you are putting your name and the date

b is right answer I think

$5,000 is the amount she will pay out of pocket on her annual medical bills.

Basically, the term of Deductible is used in Insurance. The amount of deducible refrain the Insurer from liability until a certain level of liability is reached.

In health Insurance, having a deductible of $5,000 on one's policy means the health plan benefits will start after one pays $5,000 out of his pocket.

Information given

Deductible = $5,000

Total claim = $49,000

Therefore, the Option C is correct because $5,000 is the amount she will pay out of pocket on her annual medical bills.

Answer:yes

Explanation:

Answer:

Yes

Explanation:

Answer:

Trade sanctions

Explanation:

Trade embargo means trade ban

Economic sanctions are overall sanctions. Not just for trading.

Product sanctions are for productions like oil.

the US has had sanctions on Iran for oil.

Unlike a corporation, an LLC can deduct the cost of fringe benefits for employee members. This statement is true.

When it comes to taxes, corporations and LLCs are treated differently. While corporations are subject to stricter tax rules, an LLC offers more flexibility. One of the advantages of an LLC is the ability to deduct the cost of fringe benefits for employee members.

Fringe benefits are additional compensations provided to employees aside from their regular wages. Examples of fringe benefits include health insurance, retirement plans, education assistance, and transportation benefits. By deducting the cost of these benefits, an LLC can lower its taxable income and ultimately reduce its tax liability.

It's important to note that there are certain limitations and rules governing the deductibility of fringe benefits. For example, the benefits must be reasonable and directly related to the business. Additionally, the IRS may have specific requirements for different types of fringe benefits.

In summary, an LLC can deduct the cost of fringe benefits for employee members, providing a tax advantage compared to a corporation. However, it is always advisable to consult with a tax professional or accountant to ensure compliance with the specific tax regulations applicable to your situation.

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Answer:

the answer is B

Explanation: