Answer:
b. investment grade corporate bond
Explanation:
Credit rating is used to show the reliability of a security. The Investment Grade is a credit rating the is low risk bond. There is low possiblity of default on this type of investment.
Medium rating of A and BBB represent the investment grade corporate bond.
This is an attractive investment for the more conservative investor.
This is an ideal investment choice for the 50-year old customer with very low tax bracket, in a state with high income tax rates. So she is seeking income and preservation of capital.
The best recommendation for the 5o-year-old customer would be 10- year maturity that is known as an investment-grade corporate bond.
Bonds rated "investment-grade" are considered to just have positive significant credit ratings and a low risk of default. Top companies may benefit from their status as investment-grade credits, resulting in lower interest rates.
A corporate or municipal bond with an investment-grade rating has a relatively low risk of default. Companies with a "AAA" rating are considered the least likely to default, according to Standard and Poors.
Businesses that Moody deems to be the least probable to happen start receiving an "Aaa" rank.
To know more about the various securities with maturity periods, refer to the link below:
https://brainly.com/question/25385948
All the following statements describe the flexibility available to the owner of a universal life insurance policy EXCEPT: Group of answer choices The frequency of premium payments can be changed. Policy loans are permitted on an interest-free basis. The death benefit can be increased with evidence of insurability. Premium payments can be any amount provided there is sufficient cash value to keep the policy in force.
Answer:
Policy loans are permitted on an interest-free basis.
Explanation:
The universal life insurance policy refers to a policy in which there is a component of an investment saving also it involves less premium that the person has to pay a low premium amount for continuing the policy. It could benefit the beneficiary after the death of the insured person
So according to the given situation ,for option B there is no flexibility available as no policy loans could be permitted without an interest
Greta is concerned that one of the potential market segments she has identified for her dog grooming service is too small and has too little income to have sufficient buying power. Greta is concerned with whether the segment is Group of answer choices
Answer: substantial
Explanation:
From the question, we are informed that Greta is concerned that one of the potential market segments she has identified for her dog grooming service is too small and has too little income to have sufficient buying power.
The above analysis shows that Greta is concerned with whether the substantial segment. A segment is said to be substantial when the said segment is big and therefore should be worth targeting and the members of this particular segment should have buying power.
1. What is the break-even point for this establishment? 2. If the restaurant wanted to make a profit of $70,000 based on these numbers, how much would have to be sold? 3. If sales rose to $700,000, what would profit increase to?
Answer:
I wasn't able to access the full question, but I am writing down all the formulas that would be used to solve the questions.
Explanation:
Requirement 1.
The Breakeven Point would be calculated using the following formula:
Breakeven Point = Fixed Cost / (Selling Price per Unit - Variable Cost per Unit)
Requirement 2.
The target profit will require the company to achieve certain number of units to be sold. The level of units can be calculated using the following formula:
Units Sold For Desired Profit (Units) = (Fixed Cost + Target Profit) / (Selling Price per Unit - Variable Cost per Unit)
Requirement 3.
If we multiply selling price on the both sides of requirement 2 formula then we have following formula:
Sales ($) = (Fixed Cost + Target Profit) * Selling Price / (Selling Price per Unit - Variable Cost per Unit)
Now we can calculate the Target profit which will only be the variable unknown.
The return on common stockholders’ equity is computed by dividing a) net income less preferred dividends by ending common stockholders’ equity. b) net income less preferred dividends by average common stockholders’ equity. c) net income by ending common stockholders’ equity. d) net income by average common stockholders’ equity.
Answer:
b) net income less preferred dividends by average common stockholders’ equity
Explanation:
Common stock dividends in a company is paid to stockholders after preferred dividends have been removed.
Preference shares are issued to investors with an agreement that they will recieve dividends before other shareholders.
So when calculating return on common stockholder's equity we will first deduct dividend paid to preference share holders.
The income coming to common share holders is now divided by average common stockholders equity to get the return on common stock equity.
Return on equity is usually used as a measure of how efficiently management uses company's assets to generate profits.
Let $S$ be the set of complex numbers of the form $a + bi,$ where $a$ and $b$ are integers. We say that $z \in S$ is a unit if there exists a $w \in S$ such that $zw = 1.$ Find the number of units in $S.$
Answer:
Number of units possible in S are 4.
Explanation:
Given S is a set of complex number of the form [tex]a+bi[/tex] where a and b are integers.
[tex]z\in S[/tex] is a unit if [tex]w\in z[/tex] exists such that [tex]zw=1[/tex].
To find:
Number of units possible = ?
Solution:
Given that:
[tex]zw = 1[/tex]
Taking modulus both sides:
[tex]|zw| = |1|[/tex]
Using the property that modulus of product of two complex numbers is equal to their individual modulus multiplied.
i.e.
[tex]|z_1z_2|=|z_1|.|z_2|[/tex]
So,
[tex]|zw| = |1|\\\Rightarrow |zw| =|z|.|w| =1\\\Rightarrow |z|=\dfrac{1}{|w|}[/tex]......... (1)
Let [tex]z=a+bi[/tex]
Then modulus of z is [tex]|z| = \sqrt{a^2+b^2}[/tex]
Given that a and b are integers, so the equation (1) can be true only when [tex]|z| = |w| =1[/tex] (Reciprocal of 1 is 1). Modulus can be equal only when one of the following is satisfied:
(a = 1, b = 0) , (a = -1, b = 0), (a = 0, b = 1) OR (a = 0, b = -1)
So, the possible complex numbers can be:
[tex]1.\ 1 + 0i = 1\\2.\ -1 + 0i = -1\\3.\ 0+ 1i = i\\4.\ 0 -1i = -i[/tex]
Hence, number of units possible in S are 4.
Your text outlines nine key components of the e-commerce process architecture that are the foundation of the e-commerce initiatives of many companies today. The component that deals with establishing mutual trust and secure access between the parties in an e-commerce transaction by authenticating users, authorizing access and enforcing security features is:
Answer: Profiling & personalizing
Explanation:
Profiling could be described as the information that builds trust about you to your clients. What your clients know you for and that you're accountable unto. It could be seen as your structure when seen from the external view.
Personalising deals with how well you treat the clients in your circle, how you respond to their claims and what your customer services entails; if it's satisfactory or not up to the required.
The discount rate assigned to an individual project should be based on: Group of answer choices the firm's weighted average cost of capital. the actual sources of funding used for the project. the current risk level of the overall firm. the actual sources of funding used for the project. the estimated riskiness associated with the individual project.
Answer:
none of the choices are correct
Explanation:
When the discount rate assigned for an individual project then it should be based on the risk i.e attached to the fund use needed by the project
There were various cases when a risky firm invested in a less risky project also if the same cost of capital is used so the firm could alter the decision of an investment in a negative manner
Therefore none of the choices are correct
Consider the market for DVD movie rentals, which is perfectly competitive. The market supply curve slopes upward, the market demand curve sloped downward, and the equilibrium rental price equals $3.50. Consider each of the following events, and discuss the effects they will have on the market clearing price and the demand curve faced by the individual rental store.a. People’s tastes change in favor of going to see more movies at cinemas with their friends and family members.b. National DVD-rental chains open a number of new stores in this market.c. There is a significant increase in the price of downloading movies on the Internet.
Answer:
a. price falls, the demand curve moves inward
b. price falls, the demand curve moves inward
c, price rises, the demand curve moves outward
a. A change in people's taste for going to cinema would reduce the number of people going to movie rentals. As a result, the demand for movie rentals would reduce and move inward or leftward. As a result of the inward movement of the demand curve, supply would outstrip demand and prices would fall below $3.50
b. If a National DVD-rental chains opens nationwide, there would be a decrease in demand for DVD movie rentals. As a result, the demand for movie rentals would reduce and move inward or leftward and price falls
A rise in the price of downloading movies on the Internet would increase the cost of downloading movies. This would make people less interested in downloading movies. As a result, the demand for DVD movie rentals would increase. The demand curve would shift outward and price would rise as a result.
Explanation:
Check the attached image for a graphical representation
"An individual who is 25 years from retirement has $500,000 to invest today. He is risk tolerant and is looking to withdraw $80,000 per year once he retires. Which asset allocation is BEST for this client?"
The available options are:
A. 25% Stocks / 25% Bonds / 25% REITs / 25% Money Markets
B. 50% Stocks / 40% Bonds/ 10% Cash
C. 100% Bonds
D. 100% Stocks
Answer:
B. 50% Stocks / 40% Bonds/ 10% Cash
Explanation:
Since the age of the customer is not given in the question, however, given he or she is 25 years from retirement, it is logical to assume that the customer is about 40-50 years old in age. According to the rule of thumb that "100% minus the customer's age" should be allocated to stocks for growth, hence, a stock allocation of 40-50% is about right.
Hence, in this case, the right answer is Option B: 50% Stocks / 40% Bonds/ 10% Cash
The assets, liabilities, and equity account of a business, which are interrelated and interact with each other, represent:______A. the benchmark of the businessB. the surplus value of the businessC. the financial structure of the businessD. the profit realization rate of the business
Answer:
The answer is C. the financial structure of the business
Explanation:
The financial structure of any business comprises assets, liabilities and equity.
Asset is a resource controlled by an entity and future economic benefits are expected to flow to the entity as a result of past event.
Liability is the present obligation arising from past action and if settled in the long run will result in am economic outflow of resources.
Equity is the residual interest in the business.
The term "debenture" is used to describe: Group of answer choices bonds that are below investment grade. bonds that are secured by a lien on real property. bonds that do not make coupon interest payments. an unsecured long-term debt. a complete set of removable, artificial teeth. Next
Answer:
The answer is D. an unsecured long-term debt
Explanation:
Debenture is a bond because it is a long-term loan and debenture is not secured (unsecured). It is unsecured in the sense that there is no collaterals but relies on the creditworthiness of the issuers.
Option A is incorrect becausebond is usually not bonds below Investment grade.
Option B is incorrect because debenture are nor secured by any properties.
Option C is incorrect because debenture makes coupon interest payment.
Because they do so much driving while visiting doctors' offices and hospitals, pharmaceutical sales representatives are often given company cars to drive. When a pharmaceutical company like Merck is preparing to purchase new company cars, sales reps' feedback will be sought on car models and features, but the final decision will be made by higher levels of management. What role(s) do the sales reps play in the buying center?
Answer: Users and Influencers
Explanation: The sales representatives are consulted being the ones who will make use of the purchased vehicle in order to aid business growth, the sales representative have become familiar with issues they experience during the use of previous cars which might be related to the model and certain mechanical features of the car. Therefore, the feedback provided may be considered when the ultimate decision is being made, here sales representatives acts as influencers as their opinion is put into perspective, even though other considerations may outweigh those provided by the sales representatives as the final decision is being made by the superior management.
n the accounting system of Apogee Company, the quantities counted by the receiving department and entered at a terminal are transmitted to the computer, which immediately transmits the amounts back to the terminal for display on the terminal screen. This display enables the operator to
Answer:
verify that the amount was entered accurately and correctly.
Explanation:
In the accounting system of Apogee Company, the quantities counted by the receiving department and entered at a terminal are transmitted to the computer, which immediately transmits the amounts back to the terminal for display on the terminal screen. This display enables the operator to verify that the amount was entered accurately. In order to avoid any error in the amount entered by accountants, cashiers or operators, it is a standard practice to look at the terminal screen to verify the amount entered is accurate and correct.
The owners of Spokes Bicycle Shop worry that cash flow this winter may be insufficient to meet the current operating expenses. While they anticipate a surplus of cash inflow as warm weather approaches, they need funds now to meet the company's immediate obligations. The owners can best resolve cash flow concerns by obtaining ________ financing.
Answer:
Short-term.
Explanation:
Short-term can be explained to be financing of business for short period of time from different sources. This financing are seen to be in the periods of a year and is said to be for smaller scale businesses.
It is easily necessary to secure additional funds to cover expenses, especially for those smaller businesses or to take the next step in growing the business. These short term loans are seen to be a lending option that work for many businesses that experience seasonal revenue fluctuations, and are easily taken back from the enterprise on a daily basis or monthly to cover up for the year.
A fishery with populations well below historic levels that has reduced reproductive capacity is called ___________.
You receive a technical support call from a department manager. She reports that the laser printer in her department prints only blank pages. A telephone interview reveals that the paper is not jamming in the printer and that the problem began occurring after the toner cartridge was replaced. What is the most likely cause of the problem
Answer:
Option B, the sealing tape was not removed from the toner cartridge, is the right answer.
Explanation:
Option B, is the correct answer because in the given case the problem of blank paper arises only after installing the toner cartridge. However, there may other reasons that cause the same problem as defective laser or corona wire. But, in the given case, there is some relation between the effect and the installation of the toner cartridge. Therefore, not removing the tape form toner before its installation is the correct answer.
Suppose the following information: The cost of a full-page color ad in the U.S. national edition of The Wall Street Journal (newspaper) is $327,897 and its U.S. audience size is 1,566,027. The cost of a full-page color ad in the U.S. national edition of USA Today (newspaper) is $207,720 and its U.S. audience size is 1,711,696. The cost of a full-page color ad in the U.S. national edition of Bloomberg Businessweek (magazine) is $148,300 with an audience size of 900,000. The cost of a full-page color ad in the U.S. national edition of Sports Illustrated (magazine) is $396,600 and has an audience size of 3,000,000. The cost of a 30-second ad on the most recent Super Bowl telecast is $3,800,000 and has an audience size of 108,400,000. Using this information, which of the five media alternatives has the lowest CPM?
A) The Wall Street Journal
B) USA Today
C) Bloomberg Businessweek
D) Sports Illustrated
E) Super Bowl
Answer:
E) Super Bowl
Explanation:
For computing the lowest CPM we need to do the following calculations
(a) (b) (a ÷ b)
Particulars U.S. national edition U.S. audience size CPM
Wall streel Journal $327,897 $1,566,027 20.94%
USA today $207,720 $1,711,696 12.14%
Bloomberg
Businessweek $148,300 $900,000 16.48%
Sports Illustrated $396,600 $3,000,000 13.22%
Super Bowl telecast $3,800,000 $108,400,000 3.51%
As we can see from the above calculations that the super bowl has the lowest CPM
hence, the option E is correct
Which of the following statements is correct regarding the capitalization rate used for interest capitalization? Question 24 options: If the average accumulated expenditures are less than the specific borrowing amount, use the interest rate associated with the specific borrowing for the entire average accumulated expenditures If there are no specific borrowings, use the interest rate on the largest debt outstanding If the average accumulated expenditures are less than the specific borrowing amount, use the weighted-average interest rate for all other debt for the entire average accumulated expenditures If there are no specific borrowings, do not capitalize interest
Answer:
Correct Answer:
1. If the average accumulated expenditures are less than the specific borrowing amount, use the interest rate associated with the specific borrowing for the entire average accumulated expenditures
Explanation:
This Option is the correct statement regarding to capitalization rate for interest capitalization.
There are two ways to calculate the expected return of a portfolio: Either calculate the expected return using the value and dividend stream of the portfolio as a whole, or calculate the weighted average of the expected returns of the individual stocks that make up the portfolio. Which return is higher? (Select the best choice below.) A. The weighted average expected return of the individual stocks is higher because returns are concave. B. Impossible to tell, it depends on the portfolio. C. Neitherboth calculations give the same answer. D. The weighted average expected return of the individual stocks is higher because returns are convex.
Answer:
Correct Answer:
C. Neither, both calculations give the same answer.
Explanation:
In any given business calculation that is expected to arrive at a particular solution, the solution obtained would always be the same irrespective of the method adopted. For the example, the case of expected return of a portfolio in a business, the calculation would definitely give the same answer when two methods are adopted.
Ryan, a foreign-exchange dealer, sold U.S. dollars for Swiss francs in the United States, then sold Swiss francs for Japanese yen in Switzerland, and then sold the Japanese yen for U.S. dollars in the United States. Ryan hopes that he will end up with more U.S. dollars than when he began. Which term best describes Ryan's actions
Answer: Arbitrage
Explanation:
Arbitrage occurs when an economic agent such as an individual buys and sells currencies, securities, or commodities in several markets simultaneously so that the individual can take advantage of the different prices that is charged for the same asset. This is the method that is being used by Ryan in the question.
The following information is for the standard and actual costs for the Happy Corporation:
Enter favorable variances as negative numbers.
Standard Costs:
Budgeted units of production - 16,000 [80% (or normal) capacity]
Standard labor hours per unit - 4
Standard labor rate - $26 per hour
Standard material per unit - 8 lbs.
Standard material cost - $12 per pound
Standard variable overhead rate - $15 per labor hour
Budgeted fixed overhead - $640,000
Fixed overhead rate is based on budgeted labor hours at 80% (or normal) capacity.
Actual Cost:
Actual production - 16,500 units
Actual fixed overhead - $640,000
Actual variable overhead - $1,000,000
Actual labor - 65,000 hours, total labor costs $1,700,000
Actual material purchased and used - 130,000 lbs, total material cost $1,600,000
Actual variable overhead - $1,000,000
Determine the Quantity Variance
a. 24,000 unfavorable
b. 24,000 favorable
c. 12,000 unfavorable
d. 12,000 favorable
Answer:
a. 24,000 unfavorable
Explanation:
Quantity Variance = Standard Price ( Actual Quantity - Standard Quantity Allowed)
= $12 per pound (8 lbs.*16,500 lbs-8 lbs.*16,000)
= $ 12 (132,000 lbs-130,000 lbs) = $ 12 (2000)= 24,000 unfavorable
It is unfavorable because the actual quantity used is more than the standard quantity allowed.
Quantity variance is obtained by multiplying the standard price with the difference in the actual quantity used and the standard quantity allowed.
Company had 200 units of inventory on hand at the end of the year. These were recorded at a cost of $12 each using the last-in, first-out (LIFO) method. The current replacement cost is $10 per unit. The selling price charged by Sandra Company for each finished product is $15. In order to record the adjusting entry needed under the lower-of-cost-or-market rule, the Cost of Goods Sold will be:
Answer:
Debited by $400
Explanation:
Calculation for the Cost of Goods Sold
Using this formula
Cost of Goods Sold= Inventory on hand*(Cost-Current replacement cost)
Let plug in the formula
Cost of Goods Sold=200 units * ($12 - $10)
Cost of Goods Sold= 200 units*2
Cost of Goods Sold = $400 Debited
Therefore the Cost of Goods Sold will be:$400 Debited
Jamie was participating in a market research study regarding computers when he was presented with 24 different computers that varied on four criteria. He was asked to rank all 24 descriptions in terms of his preference for those combinations of features. Which approach to assess the relative importance Jamie places on evaluative criteria was this research using?
Answer:
conjoint analysis
Explanation:
In the market research study being described, they were using conjoint analysis. This is a statistical technique that helps determine how potential customers value different attributes such as a specific feature, function, or benefit that makes up an individual product or service. In this particular scenario, Jamie was asked to rank the different computers based on each ones unique/different criteria or features.
Mary claims that she didn't make a phone call from her office to a competitor and tell them about developments at her company. Telephone logs, however, show that such a call was placed from her phone, and time clock records show that she was the only person working at the time. What do these records provide?
Answer:
The records shows that, she lied about the whole thing. For the fact that, it shows that she called the competitor in the market, she could probably have told them about the developments in her company.
Explanation:
Which of the following is a true statement? A. The prices of bonds are unrelated to the interest rate. B. The prices of bonds are inversely related to the interest rate. C. The prices of bonds are directly related to the interest rate. D. The prices of bonds increase when the interest rates rise.
Answer:
B. The prices of bonds are inversely related to the interest rate.
Explanation:
Bonds prices have an inverse relationship with interest rate. when interest rate increases, the price of bonds falls and when interest rate decreases, the price of bonds increases.
All the following requirements must be satisfied before premiums are waived under a waiver-of-premium provision EXCEPT: Group of answer choices The insured must satisfy the definition of disability in the policy. The insured must furnish proof of disability to the insurer. The insured must satisfy a 2-year waiting period. The insured must be disabled before some predetermined age, such as age 60 or 65.
Answer:
The insured must satisfy a 2-year waiting period.
Explanation:
A premium rider waiver refers to a condition of an insurance policy that relinquishes premium fees if the insurer is severely ill, severely injured, or in the case of disability and cannot pay premiums. Other provisions may exist, such as meeting particular criteria regarding age and health. Most premium riders waiver includes a waiting period during which no demand for compensation can be made. If the policyholder is injured or harmed during this period, he or she can seek a complete refund of the paid premiums. However, the compulsion of the two-year waiting period is off the table.
Grey Corporation has $100,000 of accounts receivable on December 31. The unadjusted balance of its Allowance for Doubtful Accounts is a credit of $1,000. Experience suggests 5 percent of its receivables will be uncollectible. The amount that should be debited to Bad Debt Expense and credited to Allowance for Doubtful Accounts in the year-end adjusting entry is:
Answer: $4000
Explanation:
Amount receivable = $100,000
Allowance for uncolletible account at 5%= 5% x 100,000 =$5000
Adjusted balance for Allowance for doubtful accounts = credit of $1000
Bad Debit Expense = Allowance for uncolletible account - Adjusted credit balance on doubtful accounts=$5000-$1000= $4000
JOURNAL ENTRY
Date Accounts Debit Credit
31 Dec Bad Debts $4000
Allowance for doubtful account $4000
Changes in nominal variables are determined mostly by the quantity of money and the monetary system according to Group of answer choices both the classical dichotomy and the quantity theory of money. the classical dichotomy, but not the quantity theory of money. the quantity theory of money, but not the classical dichotomy. neither the classical dichotomy nor the quantity theory of money.
Answer:
both the classical dichotomy and the quantity theory of money.
Explanation:
Changes in nominal variables are determined mostly by the quantity of money and the monetary system according to both the classical dichotomy and the quantity theory of money.
The classical dichotomy is a very essential part of the quantity theory and it states that both the real and nominal sides of the economy are largely separate. A Real Gross Domestic Products which is largely a real economic variable is measured and determined by real forces.
Also, the quantity theory of money is basically a measure of the demand for money in an economy at a specific period of time. It states that the price of various goods and services is directly proportional to the money supply available in an economy at a given time.
what are different risks a business can face?
Answer:
businesses can face financial risks, reputational risks, strategic risks, operational risks and compliance risks
Henrietta has owned her house for over 50 years. It has fallen into disrepair, but because she lives on a fixed income, she does not have the money to make the needed repairs. She has a considerable amount of equity in the house. What type of loan would BEST provide Henrietta the funds to make the necessary repairs
Answer: Reverse annuity mortgage
Explanation:
A reverse annuity mortgage is a form of loan that is given out which is secured against the value of ones home.
A reverse equity mortgage allows the homeowner to cash some of the equity on the home without the individual selling the house or moving out. This is the type of loan that would best provide Henrietta the funds to make the necessary repairs.
