The present value of these cash flows is reduced by rising interest rates. as soon as interest rates rise.
National 30-Year Mortgage Rate Trends Today
For homeowners looking to refinance, today's national average 30-Year Fixed Refinancing Rate is 5.40%, which is It's up two basis points. Last time corresponds to the week. On Monday, August 8, 2022, the national average effective interest rate for 30-year fixed rate mortgages is 5.610%.
Mortgage interest rates are constantly changing. Therefore, a good mortgage rate can vary greatly from day to day. Currently, suitable mortgage rates for 15-year term loans are low in the high 3% or 4% range, while suitable interest rates for 30-year mortgages are generally in the high 4% or low range. . 5% range.
Mortgage interest rates are currently around 5.5% and are expected to rise to 5.5% to 6% by the end of 2022. %
Learn more about interest rate at
https://brainly.com/question/2151013
#SPJ2
When having to have a difficult conversation with upper managers, you can increase success by:_____.
When having to have a difficult conversation with upper managers, you can increase success by: "Putting the problem in a familiar context".
What is difficult conversation?There may be times at work during which you and your manager need to start a difficult talk. Although your boss could be various things, it is unlikely to be a mind reader.
As a result, you should find your voice if anything at work isn't going well for you and your supervisor has the power to change it.
Some key points to be kept in mind while having difficult conversation;
Begin by outlining the circumstances to your partner. Put on your observer's hat and express your thoughts without blaming or accusing anyone. Pretend to be an unbiased news reporter and make an effort to explain both perspectives.A remark to help you both remember that you have a professional relationship with a common aim should be the first thing you say in your one-on-one conversation. This makes it possible for both sides to begin the dialogue at the same point.You should list the agreements, disputes, and action items from each meeting or lengthy debate. A follow-up conversation can be required, depending on the topic under discussion.To know more about conversation, here
https://brainly.com/question/24549573
#SPJ4
Were you to have information about the salaries of various levels of employees in each company, what would you use (mean, median, or mode) to calculate your expected salary? why?
We will use median to calculate various level of salaries of different employees.
Every individual has incomes and expenditures and some savings for the purpose of preparation of budget. Calculation of wealth can differ accordingly as wealth of the different employees would be different as per their earning.
There would be different employees in each company and taking out calculations on the basis of mean would not give any final result. Mode is the result of expected outcomes and will not give exact results. Hence, median would not be affected by small or large numbers so median would give exact results.
To learn more about median here,
https://brainly.com/question/21396105
#SPJ4
When two goods are complementary goods, a change in the price of one will cause a change in the demand for the other in the ________ direction.
When two goods are complementary goods, a change in the price of one will cause a change in the demand for the other in the opposite direction. Complementary goods are goods which used together. In this type of goods, if price of one increases then demand for other decreases and if price of one decreases then demand for other increases.
For example:- Milk and coffee are complementary goods. If price of milk increases then demand for coffee will decreases in the market. So, it clearly shows that price change for one good leads to change in demand for other good in opposite direction in the case of complementary goods.
Read more about demand on brainly:-
https://brainly.com/question/14456267
#SPJ4
When two goods are complementary goods, a change in the price of one will cause a change in the demand for the other in the opposite direction.
A complementary good is a good which adds value to another or a good that cannot be used without each other. Complementary goods are known to have a strong relationship as they cannot be used without each other.
When the price for one complementary good goes up, the demand goes down for the other good in the opposite direction. Complementary goods also shift the demand curve.
Hence, a change in the price of one complementary good will cause a change in the demand for the other in the opposite direction.
To learn more about complementary goods here:
https://brainly.com/question/4451139
#SPJ4
The flow of _____ capital is controlled by the processes of immigration, migration, and emigration.
Answer:
The flow of Human capital is controlled by the processes of immigration, migration, and emigration.
Why are credit cards not included in the money supply even though they can be used easily for transactions?
The reason credit cards not included in the money supply is the Federal Reserve incorporates financial assets like funds and deposits when determining the money supply. Credit card debts, on the other hand, are liabilities. A credit card is a small, rectangular piece of plastic or metal that is issued by a bank or other financial institution and enables its holder to borrow money to pay for products and services.
At businesses that accept credit cards. Credit cards impose the need that cardholders repay the borrowed funds, plus any applicable interest and any other agreed-upon charges, in full or over time, either by the billing date or at a later date.
To learn more about funds, click here.
https://brainly.com/question/14705214
#SPJ4
If a firm has a payback period of 3 years and a project has a payback period of 3. 5 years, the project should be:________
If a firm has a payback period of 3 years and a project has a payback period of 3. 5 years, the project should be rejected.
Payback period is defined as the number of years required to recover the original cash investment. In other words, the period during which a machine, plant, or other investment has generated sufficient net income to cover its investment costs.
Simply put, the payback period is calculated by dividing the investment cost until the cumulative cash flow is positive by the annual cash flow. This is the payback year.
The payback period indicates the time it takes for a company to recoup its investment. This type of analysis allows companies to compare alternative investment opportunities and select projects that will pay off in the shortest possible time when this criterion is important.
Learn more about payback period here: https://brainly.com/question/23149718
#SPJ4
Why do managers get paid more?
A. They have worked longer.
B. Their job is harder.
C. They control the paycheck.
The answer is B. Their job is harder.
The reason for this is that managing people can be very challenging. There is a lot of unpredictable behavior on their part most of the time. It is difficult to get your subordinates to do the work you ask them to do. It requires a high level of skill and experience.
Roderigo has just finished paying back his $8,575 unsubsidized stafford loan, which he took out to fund his four-year degree. the loan had a duration of ten years and an interest rate of 7.1%, compounded monthly. roderigo will allow interest capitalization. if roderigo made monthly payments to pay off his loan, how much interest did he pay in total? round all dollar values to the nearest cent. a. $4,547.02 b. $3,426.20 c. $7,353.80 d. $5,436.20
Roderigo will pay $7353.80 in interest.
What is interest?
Interest is the monetary charge for the privilege of borrowing money, typically expresses as an annual percentage rate (APR).
Step-by-step explanation:
Interest capitalization means the interest earned is added to the principle amount so first we will use compound interest formula.
Compound interest formula is:
p = 8575
r = 7.1% or 0.071
n = 12
t = 4
putting the value in formula we get,
Amount = $11381.94
After calculating EMI we get, EMI = $132.74
Now total payment made in 120 months (10 years) = 132.74 x 120 =15928.80
Now interest paid = 15928.80 - 8575 = $7353.80 in interest.
Learn more about methods of interest paying here:
https://brainly.com/question/13327223
#SPJ4
Answer:
c
Explanation:
When reserves are lent, new checkable deposits and additional reserves are created
Creation of new checkable deposits and additional excess reserves. Use this to create additional credits to make even more money.
Defining reserve requirements. Amount of reserves banks must hold in vaults or cannot lend to the Fed (as a percentage of deposits) Increase in reserve requirements -> banks hold more deposits than reserves have to, and the amount available for borrowing will decrease.
The Federal Reserve is reducing the bank system's ability to print money, which tends to reduce the money supply. The higher the reserve ratio, the lower the multiplier for deposit growth.
Banks should hold more reserves so they can lend less per dollar deposited. Raise reserve ratio, lower money multiplier, lower money supply.
Learn more about Reserves at
https://brainly.com/question/25812353
#SPJ4
Why do you think that agriculture and Forestry related occupation and important? Give reasons?
Answer:
These careers supply us with a multitude of food products and alternative energies, among many other important resources for sustaining our country and contribution to the world economy.
As the time frame shifts from the short run to the long run, what happens to producers who are subject to a binding price floor?
As time frame shifts from short run to long run, producers are increasingly willing to substitute away from producing the good, and supply curve becomes more elastic. An fixed lower limit on a commodity's market price is known as a price floor.
In order to prevent a commodity's market price from falling too low and endangering the producers' ability to make a living, governments typically create a price floor. A price floor that exceeds the equilibrium market price is a binding price floor. If the higher price offsets the lesser quantity sold, producers benefit more from the bound price floor.
To learn more about price floor, click here
https://brainly.com/question/13335147
#SPJ4
Suppose an automobile cost $30,000 and has accumulated depreciation of $8,000. it is sold for $25,000 cash. What is the journal entry to record the sale of the automobile?
So the journal entry to record the sale will be:
Cash a/c dr. $25000
To Automobile a/c $22000
To Profit & loss a/c $3000
Automobile is sold for $25,000 cash. At the time of the sale, the book value of the automobile is its cost less accumulated depreciation or $30,000 - $8,000 = $22,000. If the automobile is sold for $25,000, there is a gain of $25,000 - $22,000 = $3,000.
A journal entry is an entry which records a business transaction in the accounting system for an organization. Journal entries generally form the building blocks of the double-entry accounting method which has been used for centuries to keep financial records.
To know more about journal entry here:
https://brainly.com/question/20421012
#SPJ4
Describe the two major obligations incurred by a company when bonds are issued.
When the raising capital for your company, issuing bonds offers two major advantages over the selling stock. There aren't any shareholders to answer to or who could affect how much of the company you own. However, you assume a new set of responsibilities when your private company issues bonds.
One or two times every year, the majority of bondholders receive their interest payments. The size of the payment they get depends on the interest rate of the bond. A privately held company frequently offers bonds issued by that company at a higher interest rate in order to the entice investors.
To learn more about bonds, click here.
https://brainly.com/question/17349723
#SPJ4
What is the type of economic system that relies on one central authority to make economic decisions?
The type of economic system where a central authority is relied upon to make economic decisions is a Command economy.
What happens in a command economy?This is a type of economy where the central authority or national government makes all the decisions regarding the economy.
This authority would be in charge of deciding what the nation should produce. They will also direct which resources will be used to produce the goods for, and who the goods will be produced for.
This means that everyone will be an employee of the state and more or less guarantees everyone employment. This is what the Soviet Union was doping before its demise, and what happens in Cuba and Vietnam.
In conclusion, this is a Command economy.
Find out more on command economies at https://brainly.com/question/26262298
#SPJ1
If $240 is invested at an interest rate of 9% per year and is compounded monthly, how much will the investment be worth in 14 years? use the compound interest formula a = p(1 r over n)nt. $68.39 $704.28 $842.13 $846.10
Option $842.13
Step-by-step explanation:
we know that ,
The compound interest formula is equal to
A= P[tex](1+\frac{r}{n} )^{nt}[/tex]
where ,
A is the Final Investment Value
P is the Principal amount of money to be invested
r is the rate of interest in decimal
t is Number of Time Periods
n is the number of times interest is compounded per year
in this problem we have ,
t = 14 years
P = $240
r = 0.09
n= 12
substitute in the formula above ,
A= $240 [tex]( 1+\frac{0.09}{12} )^{12 * 14}[/tex] = $842.13
Compound interest :
Compound interest (also known as compounding interest) is the interest on a loan or deposit calculated based on both the initial principal and the accumulated interest from previous periods.
The rate at which compound interest accrues depends on the frequency of compounding. The higher the number of compounding periods, the greater the compound interest
Learn more about compound interest :
brainly.com/question/3353921
#SPJ4
Answer:
$842.13
Explanation:
I got it right on the test.
The maximal velocity v(max): the maximal velocity v(max): is obtained when approximately an equal amount of enzyme is in the ""free"" form vs. the es form. is obtained when approximately
The maximal velocity v(max) is obtained when approximately all of the enzyme is in the ES form and when it is dependent upon kcat as this parameter measures the efficiency of the slowest step of the enzyme after ES formation.
Maximal velocity V(max) does depend on the enzyme concentration though all the enzymes are catalysts, because it is just a rate, as mol/sec more enzyme will convert more substrate moles into product.
Here V(max) is equal to the product of the catalyst rate constant (kcat) and the concentration of the enzyme. Kcat is the first-order rate constant which determines the reaction rate when the the enzyme is fully occupied at a saturating concentration of the substrate.
Hence, the answer is given and explained above.
To learn more about enzymes here:
https://brainly.com/question/17320375
#SPJ4
When data available to a firm is too old to be useful, what type of forecasting technique should the firm consider?
When data available to a firm is too old to be useful, the type of forecasting technique the firm should consider would be a qualitative technique.
When a firm consists of data which is too old to use, then a firm considers using qualitative forecasting technique. This forecasting technique is a method of making predictions about a company's finances which uses judgment from experts.
These predictions are made my expert employees of a company, who perform qualitative forecasting by identifying and analyzing the relationship between existing knowledge of past operations and potential future operations.
Hence, when data available to a firm is too old to be useful, the firm considers using qualitative forecasting technique.
To learn more about qualitative forecasting technique here:
https://brainly.com/question/24924231
#SPJ4
Explain how an increase in u. s and canadian intraindustry trade altered the level of productivity in the affected canadian sector
Intra-industry trade:
Intra-industry trade refers to the trade between industries is the trade of products belonging to several industries. For instance, trade with technology equipment made in another nation can be defined as inter-industry trading in agricultural products goods from one country. It allows employees and firms to learn from and improve specific products, often concentrating on particular value chain areas
How Canada's international trade is changing with the times?
Imports are also expanding; the increases we are seeing in imports of machinery and equipment and of various intermediate products are early signals of rising business investment.
It was in this context that the Bank of Canada decided, in July and again earlier this month, to raise our policy rate.
Learn more about this here:
https://brainly.com/question/28020008
#SPJ4
A negative impact is known as a __________ while a positive impact is known as an ___________________
A negative impact is known as a negative externality while a positive impact is known as an positive externality.
Negative externalities occur when the product or consumption of a good or service exerts a negative effect on the third party independent of the transaction.
An ordinary transaction generally involves two parties, i.e., a consumer and the producer, who are referred to as the first and second parties in the transaction. Any other party which is not related to the transaction is referred to as a third party.
Positive externalities: This occurs when the consumption and production of a good causes a benefit to a third party. For example:
When one consumes education he gets a private benefit. But there are also benefits to the rest of society also.
A farmer who grows apple trees provides a benefit to a beekeeper. The beekeeper is getting a good source of nectar to help make more honey from the growing of apple trees.
To know more about negative externality here:
https://brainly.com/question/23263334
#SPJ4
The weak form of the emh states that ________ must be reflected in the current stock price.
The weak form of the emh states that All past information, including security price and volume data must be reflected in the current stock price.
What is the EMH?The efficient market hypothesis (EMH), also referred to as the efficient market theory, is a theory that holds that share prices accurately reflect all available information, making ongoing alpha generation impractical.
It is impossible for investors to purchase discounted stocks or to sell them at inflated prices, according to the EMH, because equities always trade on exchanges at their fair value.
According to the weak version of the EMH, the current stock price must reflect all past data, including security price and volume information.
Because of this, it should be challenging to outperform the market as a whole through expert stock selection or market timing, and the only way for an investor to see higher returns is to invest in riskier assets.
So, according to the weak form of the EMH, (A) the present stock price must reflect all historical information, such as security price and volume data.
To know more about EMH visit:
https://brainly.com/question/28149556
#SPJ4
According to the author, what is one way that a person can avoid becoming a victim of identity theft? a. by refusing to use passwords on internet websites b. by removing mail quickly from his or her mailbox c. by speaking with the police about identity theft protection d. by paying crime fighters, inc., to make identity theft impossible
Answer:According to the author, what is one way that a person can avoid becoming a victim of identity theft?A. by refusing to use passwords on Internet websites B. by removing mail quickly from his or her mailbox C. by speaking with the police about identity theft protection D. by paying Crime Fighters, Inc., to make identity theft impossible
Explanation:
One manner that someone can avoid becoming a sufferer of identity theft is A) by means of refusing to use passwords on net websites
Passwords may be stolen through malware equipped with key logger components. “someone trying your password can get hold of this form of software very easily,” says Sundh. If a password gets into the incorrect palms, unauthorized people can get the right of entry to the carrier and its statistics without all people noticing.
A brand new document from AhnLab ASEC proves the opposite—storing passwords in your browser leaves you pretty vulnerable to hackers, even in case you use particular passwords for every one of your accounts.
This normally occurs while a consumer has adjusted the safety settings on their browser. In Chrome, navigate to the superior settings. check 'allow neighborhood records to be set', and uncheck 'Block third-party cookies and location facts'.
Learn more about Passwords here: https://brainly.com/question/19116554
#SPJ1
The introduction into your real estate market of many hud and va foreclosed properties will probably cause the value of similar properties in a specific area to?
The introduction into your real estate market of many HUD and VA foreclosed properties will probably cause the value of similar properties in a specific area to fall in the short term.
The department of Housing and urban development is the Federal company accountable for country-wide coverage and programs that cope with America's housing desires, that improve and develop the nation's groups and implement fair housing laws. In case you've been priced out of homes and found the market too aggressive for you, buying a HUD home can be a useful option. However, you should do your due diligence in advance of time. Even though they make homeownership extra low-cost, HUD homes are not continually well worth their purchase rate.
The U.S. branch of Housing and urban development turned into created on September nine, 1965, to permit the federal government to tackle city problems including substandard and deteriorating housing in a coordinated way. As a part of an initiative all started underneath President John F.
A VA loan is a mortgage presented through a U.S. Department of Veterans Affairs program. VA loans are available to lively and veteran service personnel and their surviving spouses and are backed by using the federal authorities but issued via personal lenders.
Learn more about Housing and urban development here brainly.com/question/10405416
#SPJ4
What is the major source for information about the financial condition of a government?
The major source for information about the financial condition of a government is the Comprehensive Annual Financial Report.
The Comprehensive Annual Financial Report is a complete set of financial statements that is published each year in accordance with state law. The report is presented in conformity with accounting principles generally accepted in the United States and is audited by a firm of licensed certified public accountants. The Comprehensive Annual Financial Report typically include financial statements, such as balance sheets, income statements, and cash flow statements.
The Comprehensive Annual Financial Report is presented in four sections: An introductory section, a financial section that contains the basic financial statements and notes preceded by a management's discussion and analysis, a statistical section, and a single audit section detailing federal and state financial assistance with external auditor's certifications and management letter.
To learn more about The Comprehensive Annual Financial Report here
https://brainly.com/question/23040788
#SPJ4
The idea that social and economic inequalities must be to the greatest benefit of the least-advantaged members of society is called?
The idea that social and economic inequalities must be to the greatest benefit of the least-advantaged members of society is called the difference principle.
Rawls' claim was that departures from equality of a list of primary goods.
Things which a rational man wants whatever is justified only to the extent that they improve the lot of those who are worst-off under the given distribution in comparison with the previous and equal distribution.
His position is at least in same sense, with a provision that inequalities are allowed only when they benefit the least advantaged.
An important consequence of Rawls' view was that inequalities can actually be as long as they are to the benefit of the least.
His argument for the given position defines heavily the claim that morally arbitrary factors should not determine life chances of the person or opportunities given to someone.
Rawls was also determined to an intuition that a person does not morally deserve their inborn talents.
To know more about the difference principle here:
https://brainly.com/question/14675149
#SPJ4
A buyer is securing a home loan for $500,000. the state mortgage recording tax rate is $0. 115 per $100. what’s the mortgage recording tax?
When a buyer is securing a home loan for $500,000. the state mortgage recording tax rate is $0. 115 per $100. The mortgage recording tax would be $575.
What is a loan?A loan is a financial instrument that is taken by the needy person from any financial institution which is allowed to do so by the law of the country. A loan is an asset for the giver and a liability for the person who is taking the loan.
When a purchaser obtains a $500,000 mortgage. The state charges $0.115 per $100 in mortgage recording tax. $575 would be the mortgage recording tax.
Learn more about loans from here:
https://brainly.com/question/11794123
#SPJ1
You are considering purchasing an office building for $2,500,000. You expect the potential gross income (PGI) in the first year to be $450,000; vacancy and collection losses to be 9 percent of PGI; and operating expenses and capital expenditures to be 42 percent of effective gross income (EGI). You will finance the acquisition with 25 percent equity and 75 percent debt. The annual interest rate on the debt financing will be 5.5 percent. Payment will be made monthly based on a 25-year amortization schedule. Required:a. What is the implied first year overall capitalization rate
The value of the implied first year overall capitalization is given as 9.5%
How to solve for the overall capitalizationWe have the potential gross income = $450000
We have to multiply the loss of 9 percent by this value
0.09 * 450000
= $40500
We have the operating expenses to be 42 percent
Next we have to solve for the operating income
Net operating income = 450000-[450000*0.09]-[450000-(450000*0.09)]*0.42) =
This would give us $237510
The implied first year capitalization would be given as 237510/2500000 = 9.50%
Read more on rate of capitalization here: https://brainly.com/question/417585
#SPJ1
Financial economists prefer to use market values rather than book values when measuring debt ratios because market values are:_________
Financial economists prefer to use market values when measuring debt ratios because market values are more stable than book values.
Financial economics is the branch of economics characterized by a "concentration in financial activity" where "money of some kind is likely to appear on both sides of the transaction".
Financial economists study financial and banking systems and the effects of rising interest rates. Fiscal economists are primarily interested in studying the role of government in the economy and the impact of tax cuts, budget deficits, and welfare policies.
Employment opportunities for financial management students are very good. Whether you want to work as an economist, portfolio her manager, risk management consultant, or financial analyst, this course introduces you to quantitative techniques that are very useful in the financial industry.
Learn more about economists here: https://brainly.com/question/1106682
#SPJ4
Speak slowly and enunciate clearly. observe eye messages. speak loudly and slowly. correct mispronunciations. follow up with a phone call. use simple english. accept blame.
Speak slowly and enunciate clearly. observe eye messages. speak loudly and slowly follow up with a phone call.
Option B) follow up with a phone call.
Leaning on the speaker shows charm and interest. Withdraw or flinch means fear, disbelief, fear, or disgust. Similarly, gestures can convey whole thoughts with simple movements. Note, however, that these nonverbal cues can have very different meanings in different cultures.
Generally, the main purpose of sending business messages is to inform and persuade. and visual cues, and the sender tailoring the message to the audience. Identify the right tone, language, and channel for your message. It suits your audience.
Successful communicators enunciate and seek diversity training to learn about their cultural selves and to appreciate the value of cultural differences.
Learn more about enunciating at
https://brainly.com/question/24191850
#SPJ4
What is the maximum capital loss that you can incur if you bought 200 shares of tp inc. for $32?
$6,400 is the maximum capital loss that you can incur if you bought 200 shares of tp inc. for $32
What is shares?A share is a financial market unit used in mutual funds, limited partnerships, and real estate investment trusts. The term "share capital" refers to all of an enterprise's shares. A shareholder of the corporation is someone who owns stock in the company.
A share is a type of ownership unit that represents an equal amount of a company's capital. A share entitles the shareholder to an equal claim on the company's profits and losses. There are two types of shares: equity shares and preference shares.
To learn more about shares from the given link:
https://brainly.com/question/25818989
#SPJ4
How do the roles of a subsidiary general manager differ in a wholly owned subsidiary in a developed country versus a joint venture in a developing country?
For the wholly owned subsidiary, the general manager can follow the guidelines provided by the parent company without any complaints, in the other hand, a joint venture subsidiary manager have to take into consideration the will and ideas of the secondary partner and the parent company as he must keep both sides happy because both of them own the company and are decision makers.
A joint venture is a firm that is set up, owned and operated by two or more companies. A joint venture may be an equal partnership, or one of the partners may have a greater share of the business. A wholly owned subsidiary is owned by a single company that maintains control over it.
Be both wholly-owned and not wholly-owned, With a regular subsidiary, the parent company's ownership stake is more than 50%. A wholly-owned subsidiary, on the other hand, is fully owned by the parent. This means that the parent holds 100% of this subsidiary's common stock.
Learn more about business here: brainly.com/question/24448358
#SPJ4