(A)The annual effective interest rate is almost 15%
(B)The total balance will be: 3,034.75 + (3,034.75 x 1.1583%) = 3,069.96.
(A) The monthly interest rate can be calculated by dividing the annual interest rate (APR) by 12, since the interest is compounded monthly. So, the monthly interest rate is 13.90/12 = 1.1583%. To calculate the annual effective interest rate, we need to take into account the effect of compounding. The formula for annual effective interest rate is (1 + r/n)^n - 1, where r is the annual interest rate and n is the number of times interest is compounded per year. In this case, r is 13.90% and n is 12 (since interest is compounded monthly). Plugging these values into the formula, we get: (1 + 0.1390/12)^12 - 1 = 14.999%. So, the annual effective interest rate is almost 15%.
(B) Skipping payments on your credit card can have serious consequences, as it can lead to late fees, increased interest rates, and damage to your credit score. Assuming there are no late fees or other charges, if you skip payments for two months, the interest will continue to accrue on your outstanding balance. Using the monthly interest rate calculated in part (A), we can calculate the interest that will accrue each month as follows: 3,000 x 1.1583% = 34.75. So, after one month, your balance will be 3,000 + 34.75 = 3,034.75. After two months, the interest will accrue on the new balance, so the total balance will be: 3,034.75 + (3,034.75 x 1.1583%) = 3,069.96. This is assuming that no other charges or payments are made during the two-month period.
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______ analysis identifies the relative contribution made by each financial statement line item.
The vertical analysis identifies the relative contribution made by each financial statement line item.
Vertical Analysis: What Is It?Each line item is provided as a percentage of a base figure in the statement as part of a technique called vertical analysis for financial statement analysis. As a result, line items on an income statement and balance sheet can both be expressed as a percentage of gross sales, a percentage of total assets or liabilities, and a percentage of total assets or liabilities, respectively. Vertical analysis of a cash flow statement also displays each cash inflow or outflow as a percentage of total cash inflows.
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In principal-principal conflicts (conflicts between controlling shareholders and minority shareholders), the ownership (of equity) is
In principal-principal conflicts, the ownership is Concentrated—often greater than 50% of equity is controlled by controlling shareholders.
A corporate shareholder (often called a shareholder in the United States) is an individual or entity (e.g., another corporation, corporation, trust, or partnership) incorporated by the corporation as the legal owner of its share capital. of a public or private enterprise. Shareholders can be called members of the company.
A person or entity becomes a shareholder of a company if its name and other details are entered in the company's register of shareholders or members and the company has no obligation or right to inquire as to beneficial ownership of the shares. Unless this is required. By law. Generally, companies cannot own stock in their own company.
Shareholders' influence on the company is determined by their shareholdings. The shareholders of a company are legally separated from the company itself.
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Well-defined goals such as defining the risks a program will manage, what risk management processes are required, and how risk management efforts will be coordinated are all part of a(n)_____ program.
Well-defined goals such as defining the risks a program will manage, what risk management processes are required, and how risk management efforts will be coordinated are all part of a risk management program.
Risk management is the process which is used for identifying, assessing and controlling threats to an organization's capital and earnings. These risks arise from a variety of sources which includes financial uncertainties, legal liabilities, technology issues, accidents, strategic management errors and natural disasters.
A successful risk management program also helps an organization to consider the full range of risks faced by it. Risk management examines the relationship between the different risks and the cascading impact they could have on an organization's strategic goals.
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As a manager, what type of skill would you need to use if you had to decide if falling sales were a result of a faulty product or an ineffective marketing plan?
Inspire employees and clarify their vision. Find new and innovative ways to produce and deliver goods and services.
The main function of front-line managers is to oversee departments and employees. According to Lumen Learning, they are responsible for ensuring that the team achieves the goals of the organization.
Conceptual skill. These skills represent the manager's ability to organize and analyze information to improve the performance of the organization. This includes the ability to see the entire organization and understand how the different parts combine to act as an integrated unit.
Human skills are the ability to understand, change, guide, and control the behavior of other individuals and groups, and the ability to communicate, coordinate and motivate people in a cohesive team.
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The situation where the buying power of money in terms of goods and services increases is called:_____
The situation where the buying power of money in terms of goods and services increases is called deflation
In economics, deflation is a general decline in the price level of goods and services. Deflation occurs when inflation falls below 0% (negative inflation). Inflation depreciates a currency over time, while sudden deflation increases it. As a result, more goods and services can be purchased with the same currency than before. Deflation is different from disinflation, which is a slowdown in the rate of inflation. H. Inflation is declining but still positive.
Economists generally consider sudden deflationary shocks to be a problem in the modern economy. This is because the real value of debt increases, especially if deflation occurs unexpectedly. Deflation can also exacerbate the recession and lead to a deflationary spiral.
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A____lease provision giving the lessee the option to buy the leased property at the end of the lease term at a specified exercise price.
A purchase option lease provision gives the lessee the option to buy the leased property at the end of the lease term at a specified exercise price.
If a lease has a bargain purchase option, the lessee must record the asset as a capital lease in an amount equal to the present value of all minimal lease payments over the lease term. During the lease term, each minimum lease payment must be allocated between a discount of the lease obligation and interest expense.
The operating lease provides a tax deduction for rent payments. In a financial lease, there is an asset purchase option given at the end of the contractual period. Under an operating lease, there's no such offer.
A liability incurred to acquire a Tangible capital asset (TCA) with a useful life extending beyond an accounting period and held under lease by the government for use, on a continuing basis, in the production or supply of goods and services.
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1 Treating people within an organization fairly and taking actions that do not discriminate against people in protected classes on the basis of some illegal criterion is called _____.
Treating people within an organization fairly and taking actions that do not discriminate against people in protected classes on the basis of some illegal criterion is called equal employment opportunity
What is a Protected Class?You're likely to hear the terms "protected class" or "protected group" when dealing with situations that include anti-discrimination lawsuits. It's possible that many people are unaware of the specific meaning of this phrase, although it's a rather straightforward idea. A group of people who are eligible for specific special protection under a law or policy is referred to as a protected class.
What are Examples of Discrimination Against Protected Classes?a person who tries to marry someone of the same gender but is refused a marriage license.a registered voter experiencing unequal treatment from other voters at a polling location due to their ethnicity, race, or appearance.An employee over the age of 40 who is passed over for a promotion at work while being completely competent for the position; An employee who faces harassment and ridicule at work because of their gender. (With the #MeToo movement and other stories of sexual harassment in the workplace, this incident has lately gained media attention.)What is not Considered a Protected Class?Although discrimination can occur in all kinds of groupings, not all groups are legally recognized as protected classes. Unfortunately, federal or state anti-discrimination laws may not provide protection for someone who does not belong to a protected class.
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The stock market is based on companies offering investors the opportunity to make money by _________________.
The stock market is based on companies offering investors the opportunity to make money by purchasing and trading stocks.
Buyers and sellers of securities can connect, communicate, and conduct business on the stock market. In addition to serving as a gauge for the general economy, the markets enable price discovery for corporate share prices. As players in the open market compete for business, buyers and sellers may be guaranteed that they will receive a fair price, a high level of liquidity, and transparency.
The environment on a stock exchange is regulated and controlled. The Securities and Exchange Commission (SEC) and the Financial Industry Regulatory Authority are the main regulatory bodies in the United States. Physical share certificates on paper were used in the earliest stock markets' issuance and trading. Today's stock exchanges run entirely online.
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A federal unemployment tax is levied on
Any business with employees are subject to a payroll tax under the Federal Unemployment Tax Act (FUTA).
Payments of unemployment compensation to workers who have lost their jobs are made possible by the Federal Unemployment Tax Act (FUTA), which works with state unemployment systems. Most businesses are required to pay both federal and state unemployment taxes. Visit the U.S. Department of Labor's Contacts for State UI Tax Information and Assistance for a list of state unemployment tax agencies. FUTA tax is not taken out of an employee's paycheck; it is only paid by the employer.
Therefore, it is imposed on any business with employees
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The industry-low, industry-average, and industry-high benchmarks for the costs per branded pair sold in each geographic region (including production costs, shipping, import tariffs, and exchange rate adjustments), distribution and warehouse expenses per branded pair sold, and marketing expenses per branded pair sold that appear on p. 7 of each issue of the Footwear Industry Report
Are worth careful scrutiny by the managers of all companies because
-are worth high and careful scrutiny by the managers of all companies in the industry. This is because when the benchmarks signal that the operating data for a company is out of line or do not meet expectations, the managers have to take corrective actions.
If you want to know how your company compares to your competitors, you can find the answer in Industry Benchmarks. Benchmarks are industry standards or guidelines for key financial metrics. Basically, they represent the average of key figures collected from many different companies and sorted by industry.
Key Business Ratios provides online access to benchmark data. It provides 14 key business metrics including solvency, efficiency and profitability metrics for over 800 types of companies organized by industry categories.
In this way, we can define three kinds of benchmarks: process, performance, and strategy. Process benchmarking is comparing the steps of your operation to those established by others.
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Emily’s list is a national pac that is funded by women and focuses on raising money for women candidates at which part of the campaign cycle?
the early part of the campaign cycle is the part that the Emily's ;list is used to funded by women and focuses on raising money for women candidates.
What is meant by the campaign cycle?This is the term that is used to refer to the period that is known to be before the election of candidates in a government. This is the period where the awareness is raised for the person that is to be elected into a representative role.
The Emily list has to do with the people that are in support of the legalization of abortion in the United States of America, These are the democrats that are in favor of it.
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_____ refers to the process of combining aspects of reporting, data exploration and ad hoc queries, and sophisticated data modeling and analysis.
Business intelligence refers to the process of combining aspects of reporting, data exploration and ad hoc queries, and sophisticated data modeling and analysis.
Business intelligence (BI) contains the strategies and technologies utilized by companies for the facts analysis and control of business facts. Not unusual capabilities of business intelligence technology consist of reporting, online analytical processing, analytics, dashboard improvement, data mining, technique mining, complex event processing, business performance management, benchmarking, text mining, predictive analytics, and prescriptive analytics.
BI equipment can cope with big amounts of established and from time to time unstructured data to assist identify, expand, and in any other case create new strategic commercial enterprise opportunities.
They purpose to permit the clean interpretation of those large pieces of information. Identifying new opportunities and enforcing a powerful strategy primarily based on insights can offer agencies an aggressive marketplace benefit and lengthy-term stability, and assist them to make strategic choices.
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A company that uses statistical techniques and algorithms based on patterns of past behavior to predict future events is using
A company that uses statistical techniques and algorithms based on patterns of past behavior to predict future events is using Predictive modeling
What is Predictive modeling?
A popular statistical method for forecasting behavior is predictive modeling. Data-mining technology called predictive modeling solutions creates a model by studying past and present data and using it to forecast future results.Predictive modeling involves gathering data, creating a statistical model, making predictions, and validating (or updating) the model when new data becomes available.To determine how probable a customer is to display a given behavior in the future, predictive models examine prior performance.This category also includes models, such fraud detection models, that look for subtle data trends to address inquiries regarding client performance. In real-time transactions, predictive models frequently do calculations.know more about statistical model https://brainly.com/question/13720738
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At the end of 2013, Company B has retained earnings of $13,500,000. During 2014 the company earns pre-tax income of $7,000,000. Historically, the company has not paid dividends. However, in December, 2014, the company announces a change in dividend policy whereby beginning in 2015 it will pay $0.15 per share on 3,000,000 outstanding shares, to be paid in January, 2015. The company has a marginal tax rate of 40% and a corporate tax rate of 30%. What is Company B's retained earnings at the end of 2014
Company B's retained earnings at the end of 2014 is $17,250,000.
Retained earningsUsing this formula
Retained earnings=Retained earnings +Pre-tax income×(1-Marginal tax rate)-Price per share× Outstanding shares
Let plug in the formula
Retained earnings=$13,500,000+($7,000,000× (1 - 40%))- ($0.15 × 3,000,000)
Retained earnings=$13,500,000 + $4,200,000- $450,000
Retained earnings= $17,250,000
Therefore Company B's retained earnings at the end of 2014 is $17,250,000.
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National Foodie Corporation purchases the Deluxe Dishwasher machine for $23,053.80. It has an estimated salvage value of $2,636 and a useful life of nine years. What is the annual depreciation
The annual depreciation comes out to be $2,268.64/year.
What is annual depreciation?The standard annual rate at which depreciation is applied to a fixed asset is known as annual depreciation.
If the straight-line approach is applied, this rate remains constant from year to year. If an accelerated method is utilized, annual depreciation will increase in the first few years before declining in the following years.
Depreciation formula:(Depreciation expense per year = (Cost of the asset - Salvage value) ÷ Useful life.
The given data is -
The cost of assets is given as $23,053.80.
The salvage value is given as $2,636.
Calculation for the depreciation-
Depreciation expense per year = ( $23,053.80cost - $2,636 Salvage) ÷ (9 Year life)
Depreciation expense per year = $2,268.64/year.
Therefore, annual depreciation is $2,268.64/year.
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In a positive contrast effect, a decrease in the rate of _____ on one component of a multiple schedule is followed by an increase in the rate of _____ on the other component.
In a positive contrast effect, a decrease in the rate of reinforcement on one component of a multiple schedule is followed by an increase in the rate of response on the other component.
What is Contrast Effect?The contrast effect is a cognitive bias that distorts our perception of something when we compare it to something else, by enhancing the differences between them. This comparison can be either explicit or implicit, simultaneous or at separate points in time, and can apply to various traits, ranging from physical qualities, such as color and taste, to more abstract qualities, such as price and attractiveness
In some cases, the contrast effect is categorized as belonging to one of two main types:
Positive contrast effects: A positive contrast effect occurs when something is perceived as better than it would usually be perceived, because it’s compared to something worse.Negative contrast effects: A negative contrast effect occurs when something is perceived as worse than it would usually be perceived, because it’s compared to something better.Learn more about Contrast Effect on:
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A company's required rate of return computed as an average of the rate the company must pay to its lenders and investors is called:________.
A company's required rate of return computed as an average of the rate the company must pay to its lenders and investors is called: Cost of capital.
What cost of capital?Cost of capital can be defined as the required return a person or an individual who provide capital for the start up of a business is expecting to receive or the return an investor is expecting for investing in a business.
Hence, cost of capital is the expected rate of return a company or an organization must pay to its lenders and investors.
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Answer: Hurdle rate
Explanation:
A bond issue on June 1, 2016, has interest payment dates of April 1 and October 1. Bond interest expense for the year ended December 31, 2016, is for a period of
The answer is seven months.
Given,
A bond issue on June 1, 2016
Interest payment dates of April 1 and October 1
To calculate:
Bond interest expense for the year ended December 31, 2016
Since we know that interest expense is for the time the bonds were outstanding during the reporting period.
Therefore,
Bonds issued on June-1, 2016
months Total = June to December = seven months
Since, Interest payment date is October 1, 2016.
This means interest will be paid on this date.
Also, for the year will be included in the interest expense along with the accrued interest for the remaining 4 months (October 1, 2016 to December 31, 2016).
Hence, the Bond interest expense for the year ended December 31, 2016, is for a period of seven months.
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The standard deviation of return on investment A is 24%, while the standard deviation of return on investment B is 19%. If the covariance of returns on A and B is 0.009, the correlation coefficient between the returns on A and B is __________.
The standard deviation of return on investment A is 24%, while the standard deviation of return on investment B is 19%. If the covariance of returns on A and B is 0.009, the correlation coefficient between the returns on A and B is 0.197368.
What is the correlation coefficient between the returns on A and B?Generally, the equation for the Correlation coefficient is mathematically given as
Correlation coefficient = Covariance of returns on investment A and B / (Standard deviation of return on investment A * Standard deviation of return on investment B).
Therefore
CC= 0.009 / (0.24 * 0.19)
CC= 0.197368
In conclusion, the Correlation coefficient between returns on investment A and B is
CC = 0.197368
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As the number of facilities in a supply chain network increases, total logistics costs will:_________
As the number of facilities in a supply chain network increases, total logistics costs will increase. A supply chain is a network that connects all of the people, businesses, resources, tasks, and technological advances involved in the production and distribution of a good.. The distribution of raw materials from supplier to manufacturer and on to the final delivery to the client make up the entirety of supply chain.
Distribution channel refers to portion of the supply chain that transports the final good from the manufacturer to the consumer. Practical planning and specific arrangements required to successfully execute known as logistics.
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Aarp expects agents offering aarp-branded products to demonstrate five key behaviors when interacting with customers. Aarp wants customers we work with to feel their relationship with aarp is _____________.
Answer: Effortless and inspiring
Explanation:
According to the above scenario, AARP wants customers we work with to feel their relationship with AARP is effortless and inspiring.
What is branded products?Branded products refer to the type of the products that are produced by the manufacturer is known to the people and popular among the masses and having the label of the manufacturer on it. Such types of products are considered to be of good quality.
According to the given scenario, AARP wants to sell the products to know the reaction of the customers. When communicating with customers, AARP requires agents selling its products to exhibit five important behaviors.
AARP wants its clients to feel that their connection with it is mutually beneficial, as the relationship between them and customers is inspiring and effortless.
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The motive for why a potential customer should want to meet is called an opening. group of answer choices true false
The Statement is False. The motive for why a potential customer should want to meet is called an opening.
A company's potential consumer is typically called a prospect. It is someone who has the capacity to be inquisitive about the products and services that are presented by way of the company but have no longer yet been bought.
Clients are the existing customers who're using our items, services, or product and displaying interest in our emblem. Potential clients are those who've no longer yet taken our services but are probable to be our future customers inquisitive about our services.
A potential to a customer will lead to high conversions. deliver centered traffic to your site and improve your sales. In case you are giving enticing content to your visitors then you could have the least leap price. Many visitors leave the web page as quickly as they land it.
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The acquisition of caremark rx, inc. , (a pharmacy benefits manager) by cvs corporation (a retail pharmacy) is an example of a______________________ and allows cvs to gain ___________________________
The acquisition of caremark rx, inc. , (a pharmacy benefits manager) by cvs corporation (a retail pharmacy) is an example of a backwards vertical acquisition and allows cvs to gain increase market power.
The American healthcare firm CVS Health Corporation (formerly CVS Corporation and CVS Caremark Corporation) is the owner of numerous brands, including Aetna, a health insurance provider, CVS Caremark, a chain of retail pharmacies, and CVS Pharmacy.
The specialized pharmacy section known as CVS Specialty offers specialty pharmacy services to people with hereditary or chronic disorders who need sophisticated and expensive pharmacological treatments.
The largest specialty pharmacy in the United States is CVS Health, which runs 24 retail specialty pharmacy shops and 11 specialized mail order pharmacies.
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In the short run a firm in any of the market models can operate at a(n) _________________
In the short run, a firm in any of the market models can operate at a(n) loss or economic profit, or normal profit.
What are the 4 types of market structures?
The four types of economic market structures are an oligopoly, monopoly, perfect competition, and monopolistic competition. The following characteristics explain why the categories are different: In oligopoly, there are few producers, many in perfect and monopolistic competition, and one in monopoly.
What happens to a monopolistic competitive firm in the short run?
A monopolistically competitive company optimizes profits or minimizes losses in the short run by producing the amount where marginal revenue equals marginal cost. The company will make an economic profit if the average total cost is lower than the market price.
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Compared to other imc alternatives, for what purpose advertising is extremely effective?
Compared to other IMC alternatives, the purpose of advertising is extremely effective in creating awareness and generating interest in a product.
Advertising is a traditional type of promotion with a long history. But recently, new technology has allowed customers to escape the conventional advertising channels, which has drastically transformed the way advertising is done.
For example, the development of streaming services like Netflix has enabled people to avoid TV advertising while still enjoying their preferred shows and movies.
Since many individuals now subscribe to online digital media outlets for their daily news updates rather than having a paper delivered, the print media has also suffered greatly.
By definition, a digital media company is one that exclusively generates media online without using any physical items.
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Sam buys a franchise from Taco Mission Inc. This relationship, like all other franchise relationships, is governed by
Answer:
A franchise is a contract between the two individuals or entities to use the tradename
Explanation:
Brent called insurance companies and got insurance quotes for the three trucks. Both the 1996 Ford F150 and the 1998 Chevy 1500 were quoted for $250 and the 2000 Toyota Tundra was quoted for $245. To help Brent make his decision gather some more reliable information by using newspapers, or looking at their Web sites, and reviewing consumer magazines and Web sites. Also, look at the manufacturer Web site or www.fueleconomy.gov for information about gas mileage. List the sources you use and include the notes you take from each source.
Use the PACED decision-making process to make the decision for Brent. Show your work.
The sources that one could use to gather some more reliable information regarding the insurance companies are;
P - Problem - there is a need to make a choice
A - Alternatives - The alternatives here are two insurance companies
C - Criteria - We need to establish the company that is more reliable
E - Evaluate - This is the process of comparing information obtained about both companies
D - Decision making - This is the process of making a decision to go with the best insurance company.
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The Case of the Poorly Written Manual John Howard was shaking his head as he left the meeting with his boss, Joe French. Joe was right; the new technical manual was simply not up to the company's standards. Yes, he had told Joe that there were three new people in the test group, but that was no excuse. The three apparently were simply not capable writers; they might be capable product engineers, but their writing was terrible. John called the training department and asked for Susan Harris. Could Susan schedule his three new employees in her next technical writing course? 1. What are John's assumptions in making this decision? 2. Is this an appropriate approach to solving his problem?
John's assumptions in making this decision are that the three new product engineers are not capable writers and that their writing is terrible. John also believes that the only way the technical manual can be brought up to company standards is by offering a course in technical writing.
This is not an appropriate strategy for resolving the issue, as decisions should never be made based solely on assumptions, such as the fact that the product engineers in question are new hires and therefore unable to write. This is further explained below.
What is a decision?Generally, a decision or conclusion was arrived at after careful deliberation.
In conclusion, When John was making this choice, he made a number of assumptions, one of which was that the three new product engineers are not competent writers and that their writing is horrible. John is also of the opinion that the only way the firm's technical handbook can be brought up to the standards of the corporation is by providing students with the opportunity to take a course in technical writing.
Because choices should never be made entirely based on assumptions, such as the fact that the product engineers in question are new employees and hence unable to write, this is not a suitable technique for fixing the problem. Decisions should never be made solely based on assumptions.
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The uncertainties of direct and indirect losses to personal or real property due to fire, windstorms, accidents, theft, and other hazards are called __________blank risks. Multiple Choice personal business property liability speculative
The answer is Property risk.
Financially speaking, the risk is the possibility that a result or investment won't produce the desired results or return.
Risk involves the potential for losing all or a portion of the initial investment.
Risk situations that specifically affect a company's buildings and other physical assets are referred to as "property risk."
Property risk is made up of risk occurrences like fires, bad weather, and terrorist strikes.
Property risk events have the ability to stop corporate operations and cause significant financial losses in addition to harming and destroying physical property.
Hence, The uncertainties of direct and indirect losses to personal or real property due to fire, windstorms, accidents, theft, and other hazards are called property risks.
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When employers give raises, they're using _______ power.
legitimate
reward
referent
absolute
Answer:
absolute powerrrrrrrrrr
When employers give raises, they're using reward power. Thus, option (b) is correct.
Being able to give others rewards or incentives gives one a form of power known as reward power. Employers might utilize incentives such as increases, bonuses, promotions, or other rewards to encourage workers at work.
Employers have the capacity to shape their employees' behaviour and motivate them to put in more effort or deliver better work by employing the power of rewards. Legitimate power, on the other hand, comes from a person's position or title within an organization. This form of power is distinct from that.
As a result, the significance of the employers give raises, they're using reward power are the aforementioned. Therefore, option (b) is correct.
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