This is where what I call a deviant comes in. Every team needs a deviant, someone who can help the team by challenging the tendency to want too much homogeneity, which can stifle creativity and learning. Deviants are the ones who stand back and say, ‘Well, wait a minute, why are we even doing this at all? What if we looked at the thing backwards or turned it inside out?’ That’s when people say, ‘Oh, no, no, no, that’s ridiculous,’ and so the discussion about what’s ridiculous comes up. Unlike the CFO I mentioned before, who derailed the team by shutting down discussions, the deviant opens up more ideas, and that gets you a lot more originality. In our research, we’ve looked carefully at both teams that produced something original and those that were merely average, where nothing really sparkled. It turned out that the teams with deviants outperformed teams without them. In many cases, deviant thinking is a source of great innovation."According to Hackman, a deviant may help a group consider _______, but if the deviant has a strong personality and limits the input of others, the problem of ________ , may arise.

Answers

Answer 1

Answer:

According to Hackman, a deviant may help a group consider out-of-box thinking, but if the deviant has a strong personality and limits the input of others, the problem of complacency, may arise.

Explanation:

It's from the book "Leading Teams" of J. Richard Hackman, the Edgar Pierce Professor of Social and Organizational Psychology at Harvard University and a leading expert on teams.


Related Questions

One of the primary reasons for the failure of quality circles is because management refuses to listen to the quality improvement ideas of subordinates.
A. True
B. False

Answers

The failure of quality circles is not because management refuses to listen to the quality improvement ideas of subordinates.

What do you mean by quality circles?

Quality circles refer to a method that helps in encouraging group involvement.

The major reason for the failure of quality circles is because of the rejection of the concept by top management, labor turnover, lack of cooperation from middle and first-line managers, etc.

Therefore, the above statement is false.

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The last dividend paid by Coppard Inc. was $1.25. The dividend growth rate is expected to be constant at 27.5% for 3 years, after which dividends are expected to grow at a rate of 6% forever. If the firm's required return (rs) is 11%, what is its current stock price

Answers

Answer:

36.38

Explanation:

The Current stock price can be calculated by identifying Present value of dividends in all three years adding terminal value of dividends in year 3.

Year Dividend Growth  Dividend   PV factor  Present Values

1  1.25           127.5%   1.59    0.900901         1.43  

 2  1.59           127.5%   2.03           0.811622          1.64  

 3  2.03          127.5%   2.59    0.731191     1.88  

 3                                    42.987(w)  0.731191           31.43  

Total PV                                                                     36.38  

Current Dividend = 2.59    

Rate of return       = 11.00%    

Growth Rate        = 6.00%    

Terminal value = Current Dividend*(1+Growth rate)/(Rate of return-Growth Rate)

Terminal value = 2.59 x (1+0.06) / (0.11-0.06)  

Terminal value =42.987

   

Current stock price = 1.43 +1.64+1.88+31.43

Current stock price = 36.38  

Suppose a jar of orange marmalade that is ultimately sold to a customer at The Corner Store is produced by the following production process: Name of Company Revenues Cost of Purchased Inputs Citrus Growers Inc. $0.75 0 Florida Jam Company $2.00 $0.75 The Corner Store $2.50 $2.00 What is the value added of Florida Jam Company

Answers

Answer:

$1.75

Explanation:

Value added is calculated by subtracting the difference of revenue and the cost of inputs.

value added of Florida Jam Company = $2.50 - $0.75 = $1.75

Onslow Co. purchases a used machine for $178,000 cash on January 2 and readies it for use the next day at a $2,840 cost. On January 3, it is installed on a required operating platform costing $1,160, and it is further readied for operations. The company predicts the machine will be used for six years and have a $14,000 salvage value. Depreciation is to be charged on a straight-line basis. On December 31, at the end of its fifth year in operations, it is disposed of.Required:Prepare journal entries to record the machine's disposal under each of the following separate assumptions: a. It is sold for $22,000 cash. b. It is sold for $88,000 cash. c. It is destroyed in a fire and the insurance company pays $32,500 cash to settle the loss claim.

Answers

Answer:

All the requirements are solved below

Explanation:

Purchase = $178,000

Ready to use cost = $2,480

Installation cost = $1,160

Salvage value = $14,000

Depreciation method = Straight line

Useful life = 6 years

Solution

Requirement A If sold for $22,000

Entry                                               DEBIT      CREDIT

Cash                                            $22,000

Accumulated depreciation       $140,000

Profit/loss on disposal               $20,000

Machinery                                                       $182,000

Requirement B If sold for $88,000

Entry                                             DEBIT        CREDIT

Cash                                            $82,000

Accumulated depreciation       $140,000

Profit/loss on disposal                                   $40,000

Machinery                                                       $182,000  

Requirement C If destroyed in fire and insurance company paid $32,500

Entry                                             DEBIT      CREDIT

Cash                                            $30,000

Accumulated depreciation       $140,000

loss from fire                              $12,000

Machinery                                                       $182,000

Workings

Cost =$178,000 + $2,480 + $1,160

Cost = $182,000

Accumulated depreciation = ([tex]\frac{182,000-14,000}{6}x5[/tex]

Accumulated depreciation = 140,000

Thomas Kratzer is the purchasing manager for the headquarters of a large insurance company chain with a central inventory operation.​ Thomas's fastest-moving inventory item has a demand of 5,900 units per year. The cost of each unit is ​$102​, and the inventory carrying cost is ​$9 per unit per year. The average ordering cost is ​$29 per order. It takes about 5 days for an order to​ arrive, and the demand for 1 week is 118 units.​ (This is a corporate​ operation, and there are 250 working days per​ year).

Required:
a. What is the EOQ?
b. What is the average inventory if the EOQ is used?
c. What is the optimal number of orders per year?
d. What is the optimal number of days in between any two orders?
e. What is the annual cost of ordering and holding inventory?
f. What is the total annual inventory cost, including cost of the 6,000 units?

Answers

Answer: Please find answers below

Explanation:

(a) Economic order quantity EOQ = [tex]\sqrt{2 X Annual Demand X Ordering Cost) / Carrying Cost)}[/tex]

= [tex]\sqrt{2 X 5,900 X 29 / 9 }[/tex]     = [tex]\sqrt{38,022.222}[/tex]

= 194.99 units  

(b) Average number of units = Economic order quantity / 2

= 194.99 / 2  

= 97.496 units    

(c) Optimal number of orders = Annual Demand / Economic order quantity

= 5,900units / 194.99 units  =30.26  

(d) Optimal number of days between two orders = Number of working days / Optimal number of orders

= 250 days / 30.26  

= 8.26  

Total ordering cost = Cost per order X Number of orders

= $29 X 30.26  

= $ 877.54

Total holding cost = Average inventory X carrying cost per unit

= 194.99 /2  X $9  

= $877.455

(e) Annual cost of ordering and holding inventorY =Total ordering cost + Total carrying cost

= $ 877.54  + $877.455

= $ 1,754.995  ≈ $1,755  

 

 

(f) Total annual inventory cost =Total ordering cost +Total holding cost + Actual cost of 5900 units at $102 per unit    

= $ 877.54  + $877.455  + (5,900 x 102) = $1754.995 +601,800= $603,554.995≈$603,555

Total annual inventory cost =Total ordering cost +Total holding cost + Actual cost of 6000 units at $102 per unit    

= $ 877.54  + $877.455  + (6000 x 102) = $1754.995 +612,000= $613,754.995≈$613,755

A product's ________ identifies the product or brand, describes several things about the product, and promotes the brand.

Answers

Answer: label

Explanation:

Product labels are the piece of material

that are being attached to a product in order for easy identification by consumers in order to know the brand and also to know the contents.

A product's label identifies the product or brand, describes several things about the product, and promotes the brand.

A product label identifies the product or brand, describes various things about the product, and promotes the brand. Developing product labeling is therefore a strategic task that can help identify the brand and position it in the market.

An example of how labeling can provide extra benefits for companies is through environmental certifications, which can come as a seal on labels and promote the company's environmental responsibility in a widespread and fast way.

Therefore, the labeling must have the design, layout and information aligned with the company's values so that there is promotion of its products and assist in consumer choice.

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In Year 1 Jorge buys a home for $200,000, making a down payment of $40,000 and taking out a loan from the bank for $160,000 to finance the balance. In Year 5 the remaining loan balance is $130,000 while the home has increased in value to $270,000. Jorge refinances with a loan company that agrees to lend 125% of the value of the home, or $337,500, using $130,000 to repay the bank loan and providing $207,500 in cash. Jorge immediately spends $10,000 of the cash on a lavish vacation to the Bahamas, and $20,000 to pay down credit cards.

How much of the $337,500 home equity loan balance is allowable for calculating the home mortgage interest deduction on Jorge’s Year 5 tax return?

a. $270,000
b. $240,000
c. $230,000
d. $220,000

Answers

Answer:

Under current tax law, no option is correct. Before 2018, option C would have been right.

Explanation:

Currently under the Tax Cuts and Jobs Act (from Jan. 2018 until Dec. 2025) you can only deduct interests on mortgages used to purchase, build or improve your home. In this case, Jorge will only be able to deduct the interests paid on the $130,000 he owed for the first mortgage.

Interests on home equity loans will again be deductible (up to $100,000) starting Jan. 2026.

Bailey and Sons has a levered beta of 1.10, its capital structure consists of 40% debt and 60% equity, and its tax rate is 40%. What would Bailey's beta be if it used no debt, i.e., what is its unlevered beta? a. 0.79 b. 0.67 c. 0.71 d. 0.64 e. 0.75

Answers

Answer:

Option A. 0.79

Explanation:

All we have to do is convert the levered beta into unlevered beta (100% equity financed). So we will use the following formula to find unlevered beta:

Unlevered Beta = Levered Beta /  (1   +  (1+T)* D/E)

Here,

Tax rate is 40%

Debt is 40%

Equity is 60%

And Levered Beta is 1.10

Now by putting values, we have:

Unlevered Beta =     1.10   / (1   +  (1 - 0.4)* 40% / 60%)

Unlevered Beta =     1.10  / (1 +   0.6 * .667)

Unlevered Beta =     1.10  / (1 +    0.4)

Unlevered Beta =     1.10  / (1.4)

Unlevered Beta =     0.786 which after rounding off we have 0.79

Tennessee Corporation is analyzing a capital expenditure that will involve a cash outlay of $109,332. Estimated cash flows are expected to be $36,000 annually for 4 years. The present value factors for an annuity of $1 for 4 years at interest of 10%, 12%, 14%, and 15% are 3.170, 3.037, 2.914, and 2.855, respectively. The internal rate of return for this investment is a.9% b.3% c.10% d.12%

Answers

Answer:

D

Explanation:

Internal rate of return is the discount rate that equates the after tax cash flows from an investment to the amount invested

IRR can be calculated with a financial calculator  

Cash flow in year 0 = $-109,332

Cash flow each year from year 1 to 4 = $36,000

IRR = 12%

To find the IRR using a financial calculator:

1. Input the cash flow values by pressing the CF button. After inputting the value, press enter and the arrow facing a downward direction.

2. After inputting all the cash flows, press the IRR button and then press the compute button.  

Muy Bueno Bakery sells three different products. Currently they are not able to meet all of their customers' demand. Using the following information, determine the price of the cake needed to meet the same contribution margin as the cookies. Cake Pie Cookies Contribution margin $18 $11 $3 Production hours 2 1.5 .25 Variable cost $12 $7 $1 Contribution margin/hr. $9 $7.33 $12 Current selling price $30 $18 $5 a.$45 b.$30 c.$42 d.$36

Answers

Answer:

d. $36

Explanation:

The Contribution margin is the net of selling price and variable cost of a product. It is calculated by deducting the variable cost from the selling price of a product.

                                          Cake   Pie    Cookies

Current selling price          $30    $18    $5

Variable cost                      $12     $7      $1

Contribution margin           $18     $11     $3

Production hours                2        1.5     0.25

Contribution margin/hr.     $9     $7.33  $12

Required Contribution margin per hour of cake = $12

Required Contribution margin = $12 x 2 = $24

Required Selling Price = Contribution margin + variable cost = $24 + $12 = $36

Note there is a mistake in the calculation of Contribution margin of Cookies as it is given $3 but after deducting the variable cost from selling price is should be $4 ( $5 - $1 ), I used the given contribution margin for the calculation.

In its first year, a project is expected to generate earnings before interest and taxes of $237,884 and its depreciation expense is expected to be $87,882. If the company’s tax rate is 35%, what is the project’s expected net operating profit after taxes for the year?

Answers

Answer:

Net operating income= $242,506.6

Explanation:

Giving the following information:

Earnings before interest and taxes= $237,884

Depreciation expense= $87,882.

Tax rate= 35%

To calculate the net operating profit, we need to use the following structure:

EBIT= 237,884

Tax= (237,884*0.35)= (83,259.4)

Depreciation= 87,882

Net operating income= 242,506.6

In what way did Henry Ford’s use of the assembly-line method of production represent an advance in technology in automobile manufacturing?

Answers

Answer: a. It allowed workers to specialize on specific tasks and become more productive.

Explanation:

The Assembly line method of production that Henry Ford initiated at his plant was a technological game changer as it enabled workers to assemble cars faster and this mass produce Ford cars at a cheaper rate for the masses.

The Assembly line worked by putting workers at various stages of the assembly line where they would focus on installing only one or a few parts into the prospective vehicle. This way they were able to focus on that specific task, become more adept at it and thus become more productive.

Michael and Kathy have one dependent, Dustin, who is in his third year of college. Michael is taking classes in the evening toward an MBA. What credits can Michael and Kathy claim related to tuition they pay for these programs. I. American Opportunity Tax Credit II. Lifetime Learning Credit

Answers

Answer: I and II

I. American Opportunity Tax Credit

II. Lifetime Learning Credit

Explanation:

From the question, we are informed that Michael and Kathy have one dependent, Dustin, who is in his third year of college and that Michael is taking classes in the evening toward an MBA.

The credits that Michael and Kathy can claim related to tuition they pay for these programs are American Opportunity Tax Credit and the Lifetime Learning Credit.

The ABC Company is preparing its financial statements on December 31. During the year, they purchased IBM stock for $20,000. On December 31, the market value of the IBM stock is $8,000. The journal entry on December 31 will include a debit to:_______.

Answers

Answer:

Debit to unrealized loss for for $12,000

Explanation:

Based on the information given about ABC Company we were told that the company made a purchased of IBM stock for the amount of $20,000 in which the market value of the stock was the amount of $8,000 this means that the journal entry on December 31 will include a:

Debit to unrealized loss for for $12,000

Calculated as :

Unrealized loss=Market value - IBM stock

Unrealized loss=$8,000-$20,000

Unrealized loss=-$12,000

Who Done It Mystery Theater sells tickets for dinner and a show for each. The cost of providing dinner is per ticket and the fixed cost of operating the theater is per month. The company can accommodate patrons each month. What is the contribution margin per​ patron?

Answers

Answer:  $19

Explanation:

The Contribution Margin is defined as the Sales the Variable costs.

The Contribution Margin per patron is therefore;

= Ticket Price - Variable Cost which is the cost of dinner

= 40 - 21

= $19

XYZ, Inc. has a beta of 0.8. The yield on a 3-month T-bill is 5%, and the yield on a 10-year T-bond is 7%. The market risk premium is 5.5%, and the return on an average stock in the market last year was 20%. What is the estimated cost of common equity using the CAPM? Show your work

Answers

Answer:

the estimated cost of common equity using the CAPM is 11.40 %.

Explanation:

Cost of Equity = Return on the Risk Free Security + Beta × Return on Market Portfolio

                       = 7.00 % +  0.8 × 5.5%

                       = 11.40 %

The estimated cost of common equity using the CAPM is 11.40 %.

Calculation of the cost of common equity;

Since the return on risk-free rate is 7%, beta is 0.8 and, the market risk premium is 5.5%

So here the cost of common equity should be

= Return on the Risk Free + Beta × Market risk premium

= 7.00 % +  0.8 × 5.5%

= 11.40 %

Hence, The estimated cost of common equity using the CAPM is 11.40 %.

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Given the following data for Vinyard Corporation:
D=1000
V=4000
E=3000
V=4000

Calculate the proportions of debt (D/V) and equity (E/V) for the firm that you would use for
estimating the weighted average cost of capital (WACC):

A. 40% debt and 60% equity
B. 50% debt and 50% equity
C. 25% debt and 75% equity
D. none of the given values

Answers

Answer:

C

Explanation:

D / V = 1000 / 4000

Dividing 1000 by 4000 gives 0.25 = 25%

E / V = 3000 / 4000

Dividing 3000 by 4000 gives 0.75 = 75%

Factors of production, such as physical capital, human capital, and technological knowledge, are crucial to economic growth. Therefore, institutions that foster strong incentives and create an environment favorable to the development of such factors of production are vital to economic growth. Which of the following are examples of such institutions?
A. Competitive and open markets.B. Free-riding culture.C. A dependable legal system.D. Political stability.E. Government expropriation.

Answers

Answer:

A. Competitive and open markets.

C. A dependable legal system.

D. Political stability.

Explanation:

A Competitive and open Market ensures that people have enough incentives to invest in the development of factors of production because it rewards that investment with a healthy return. In a Competitive market, unfair competition will not be present therefore people will get equal opportunities to make returns.

A dependable Legal System and Political Stability go hand in hand to ensure that investors will have enough faith in the system to want to invest in Factors of Production. If a country is stable politically and abides by the rule of law, an investor will be assured that when they invest, these investments will be protected by the powers that be and their returns will not be impacted by political upheavals and breaches of contract that cannot be rectified.

A customer sells short 1,000 shares of ABC stock at $4 in a margin account. The customer must deposit:________.
A. $2,000
B. $2,500
C. $4,000
D. $5,000

Answers

Answer: $4000

Explanation:

A margin account is typically offered by a brokerage firms so that investors can borrow money in order to purchase securities.

A customer sells short 1,000 shares of ABC stock at $4 in a margin account. The customer must deposit:

= $4 × 1000

= $4000

The production department is proposing the purchase of an automatic insertion machine. They have identified 3 machines and have asked the accountant to analyze them to determine the best average rate of return.
Machine A Machine B Machine C
Estimated Average Income $45,192.56 $64,695.00 $60,929.70
Average Investment $322,804.00 $215,650.00 $406,198.00
Select the correct answer.
a) Machine B or C
b) Machine A
c) Machine C
d) Machine B

Answers

Answer:

Option  D is correct

Machine B is the best investment

Explanation:

The accounting rate of return is the average annual income expressed as a percentage of the average investment.  

The simple rate of return can be calculated using the two formula below:

Accounting rate of return  =

Annual operating income/Average investment × 100

To determine the the machine with the best return,we would compute the average annual return of all of the machines and then choose the machine with the highest return

This is done as follows:

Machine             Working s                                   Average annul rate

A                   45,192.56/322,804.00 ×   100 =      14.0%

B                64,695.00/215,650.00 ×   100=           30.0%

C                  60,929.70/406,198.00×   100 =          15.0%

Machine B is the best investment

On January 15, the end of the first pay period of the year, North Company’s employees earned $40,000 of sales salaries. Withholdings from the employees’ salaries include FICA Social Security taxes at the rate of 6.2%, FICA Medicare taxes at the rate of 1.45%, $3,100 of federal income taxes, $593 of medical insurance deductions, and $230 of union dues. No employee earned more than $7,000 in this first period. Prepare the journal entry to record North Company’s January 15 salaries expense and related liabilities.

Answers

Answer:

Dr Salaries expense 40,000

Cr FICA - Social security taxes payable 2,480

Cr FICA - medicare taxes payable 580

Cr Employee medical insurance deduction 593

Cr Union dues 230

Cr Salaries payable 33,017

Cr Federal income taxes payable 3,100

Explanation:

Preparation of the journal entry to record North Company’s January 15 salaries expense and related liabilities

Jan 15

Dr Salaries expense 40,000

Cr FICA - Social security taxes payable 2,480 (6.2%*40,000)

Cr FICA - medicare taxes payable 580

(1.45%*40,000)

Cr Employee medical insurance deduction 593

Cr Union dues 230

Cr Salaries payable 33,017

Cr Federal income taxes payable 3,100

Salaries payable is calculated as:

Salaries expense 40,000

Less: FICA - Social security taxes payable (2,480)

FICA - medicare taxes payable (580)

Employee medical insurance deduction (593)

Union dues (230)

Federal income taxes payable (3,100)

=$33,017

Here, we are to prepare the journal entry to record North Company’s January 15 salaries expense and related liabilities.

Salaries payable = Salaries expense - FICA - Social security taxes payable - FICA - medicare taxes payable - Employee medical insurance deduction - Union dues - Federal income taxes payable

Salaries payable = $40,000  - $2,480 - $580 - $593 - $230 - $3,100

Salaries payable = $33,017

Date     Account titles and Explanation                 Debit      Credit

Jan 15   Salaries expense                                       $40,000

                FICA - Social security taxes payable                       $2,480

                (6.2%*40,000)

                FICA - medicare taxes payable                                $580

                (1.45%*40,000)

                Employee medical insurance deduction                 $593

                Union dues                                                                 $230

                Salaries payable                                                         $33,017

                Federal income taxes payable                                  $3,100

             (To record salaries expense and related liabilities)

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A PHLX Jan 80 Swiss Franc Call contract is quoted at 2 when the Swiss Franc closes at 77. The contract is:_______

Answers

Answer:

Out the money.

Explanation:

A PHLX Jan 80 Swiss Franc Call contract is quoted at 2 when the Swiss Franc closes at 77. The contract is out the money.

An out the money ultimately implies that an option only has an extrinsic value but no intrinsic value. The extrinsic value of an option refers to the difference between its intrinsic value and the market value (premium). An extrinsic value is affected by the volatility in the market and its time value. The intrinsic value of an asset refers to the calculated, true or real value of an asset and is solely affected by internal factors.

A call is out the money when the strike price is greater than or above the underlying price of an asset. This simply means that, it's market value (price) has fallen below its strike price.

In this scenario, the market price of the call is 77 while its strike price is 80; thus, the call option is out the money by 3.

Jiminy’s Cricket Farm issued a bond with 30 years to maturity and a semiannual coupon rate of 4 percent 2 years ago. The bond currently sells for 107 percent of its face value. The company’s tax rate is 21 percent. The book value of the debt issue is $60 million. In addition, the company has a second debt issue on the market, a zero coupon bond with 10 years left to maturity; the book value of this issue is $35 million, and the bonds sell for 76 percent of par.

Required:
a. What is the company’s total book value of debt?
b. What is the company’s total market value of debt?
c. What is your best estimate of the aftertax cost of debt?

Answers

Answer:

a. What is the company’s total book value of debt?

total book value of debt = $60,000,000 + $35,000,000 = $95,000,000

 

b. What is the company’s total market value of debt?

total market value of debt = ($60,000,000 x 1.07) + ($35,000,000 x 0.76) = $64,200,000 + $26,600,000 = $90,800,000

c. What is your best estimate of the after tax cost of debt?

weight of debt (using market value):

$64,200,000 / $90,800,000 = 70.7%

$26,600,000 / $90,800,000 = 29.3%

YTM bond I = {1,200,000 + [(60,000,000 - 64,200,000)/56]} / [(60,000,000 + 64,200,000)/2] = 1,125,000 / 62,100,000 = 1.8115 x 2 = 3.62%

YTM bond II = (35 / 26.6)¹/¹⁰ - 1 = 2.78%

after tax cost of debt = (0.707 x 3.62% x 0.79) + (0.293 x 2.78% x 0.79) = 2.02% + 0.64% = 2.66%

Your estimate of the market risk premium is ​%. The​ risk-free rate of return is ​%, and General Motors has a beta of . According to the Capital Asset Pricing Model​ (CAPM), what is its expected​ return?

Answers

Answer:

The correct option is option A) 16.4%.

Explanation:

Note: This question is not complete as all the important data are omitted from it. The complete question is therefore provided before answering the question as follows:

Your estimate of the market risk premium is 9%. The risk-free rate of return is 3.8% and General Motors has a beta of 1.4. According to the Capital Asset Pricing Model (CAPM), what is its expected return?

Options:

A) 16.4%

B) 17.2%

C) 14.8%

D) 15.6%

The question is now answered as followed:

Capital asset pricing model (CAPM) can be described as a model that is employed to compute a theoretical required rate of an asset in order decide whether or not to add assets a portfolio of investment that is well-diversified.

According to the Capital Asset Pricing Model (CAPM), the expected return can be calculated using the following formula:

Expected return = Risk-free rate + (Beta * Market ris premium) .......... (1)

Where;

Risk-free rate of return = 3.8%

Market risk premium = 9%

Beta = 1.4

Substitute the values into equation (1), we have:

Expected return = 3.8% + (1.4 * 9%) = 16.40%

Therefore, the correct option is option A) 16.4%.

________ means that service quality depends on the quality of buyer-seller interaction during the service encounter.

Answers

Answer: interactive marketing

Explanation:

Interactive marketing is also referred to as event-driven marketing or trigger based marketing and it simply has to do with using an effective communication which is two-ways to enable the consumers connect directly with a company.

Interactive marketing means service quality depends on the quality of buyer-seller interaction during the service encounter.

If the Fed increases the discount rate, which of the following accurately describes the sequence of events that will follow in the banking system, finally leading to a decline in money supply?
A. Reserves ↓: Excess reserves ↓; Loans ↓; Deposits ↓; Money supply ↓
B. Loans ↓; Deposits ↓; Reserves ↓; Excess reserves ↓; Money supply ↓
C. Deposits ; Reserves: Excess reserves; Loans ↓; Money supply ↓
D. Excess reserves ↓; Reserves ↓; Loans ↓; Deposits ↓; Money supply ↓

Answers

Answer: A. Reserves ↓: Excess reserves ↓; Loans ↓; Deposits ↓; Money supply ↓

Explanation:

The discount rate is the rate at which the Fed lends money to banks and other depository type institutions. Normally banks have a reserve requirement that the Fed requires of them which states how much they are to leave with the Fed as a reserve. Banks tend to fall short of this reserve sometimes and so can borrow from the Fed to balance it off.

If the Fed increase the rate at which these banks can borrow, they will not want to do so thus leaving their Reserves at the Fed lower than it should be. They will then use their excess reserves which is money kept in reserve more than the Fed requires, to balance off their reserve at the Fed.

As a result of this reduction in their Excess reserve, they will have less money to give out as loans. With less loans being made, people will not have as much money to deposit after taking the loans. Money supply will then fall as a whole.

Liam had an extension built onto his home. He financed it for 48 months with a loan at ​% APR. His monthly payments were . How much was the loan amount for this​ extension?

Answers

Answer:

The loan is $31,694.73

Explanation:

The complete question is as follows;

Liam had an extension built onto his home. He financed it for 48 months with a loan at 5.75.7​% APR. His monthly payments were $740. How much was the loan amount for this​ extension?

solution

We proceed as follows;

From the question, we have the following terms:

Rate = 5.7%

The monthly rate is thus;

Monthly rate = 5.7% / 12 = 0.475%

Mathematically;

Loan = Annuity * [1 - 1 / (1 + r)^n] / r

Loan = 740 * [1 - 1 / (1 + 0.00475)^48] / 0.00475

Loan = 740 * [1 - 0.796554] / 0.00475

Loan = 740 * 42.830712

Loan = $31,694.73

True or false: At 2019 year-end, a government has $25,000 of outstanding encumbrances. The 2019 Budgetary Comparison Scheduled will include the $25,000 whether or not the encumbrances lapse at year-end.

Answers

Answer:

True.

Explanation:

The 2019 Budgetary Comparison Schedule will include the $25,000 whether or not the encumbrances lapse at the year-end, either as outstanding encumbrances or settled encumbrances.  These $25,000 encumbrances are budget reservations of appropriations so that they can be used to settle specified expenditures in the future.  The purpose of making these reservations is to signal that the expenditures have been earmarked so that their cash allocations are not used for other purposes.

The Discount on Bonds Payable account is: Multiple Choice A contra equity. A contra expense. A liability. A contra liability. An expense.

Answers

Answer:

Is a contra account to bonds payable

Explanation:

Determine the present values if $5,000 is received in the future (i.e., at the end of each indicated time period) in each of the following situations:

percent for ten years

percent for seven years

percent for four years

Assume you are planning to invest $5,000 each year for six years and will earn 10 percent per year. Determine the future value of this annuity if your first $5,000 is invested at the end of the first year.

Determine the present value now of an investment of $3,000 made one year from now and an additional $3,000 made two years from now if the annual discount rate is 4 percent.

What is the present value of a loan that calls for the payment of $500 per year for six years if the discount rate is 10 percent and the first payment will be made one year from now? How would your answer change if the $500 per year occurred for ten years?

Determine the annual payment on a $500,000, 12 percent business loan from a commercial bank that is to be amortized over a five-year period.

Determine the annual payment on a $15,000 loan that is to be amortized over a four-year period and carries a 10 percent interest rate. Also prepare a loan amortization schedule for this loan.

Assume a bank loan requires an interest payment of $85 per year and a principal payment of $1,000 at the end of the loan's eight-year life.

At what amount could this loan be sold for to another bank if loans of similar quality carried an 8.5 percent interest rate? That is, what would be the present value of this loan?

Now, if interest rates on other similar-quality loans are 10 percent, what would be the present value of this loan?

What would be the present value of the loan if the interest rate is 8 percent on similar-quality loans?

Answers

Answer:

1)

the %s were missing so I looked for a similar question:

we must use the present value formula:

present value = future value / (1 + interest rate)ⁿ

5% ⇒ $5,000 / 1.05¹⁰ = $3,069.57

7% ⇒ $5,000 / 1.07⁷ = $3,113.75

9% ⇒ $5,000 / 1.09⁴ = $3,542.13

2)

we can use the future value of an annuity formula:

future value = annual payment x annuity factor

FV = $5,000 x 7.7156 (FV annuity factor, 10%, 6 years) = $38,578

3)

PV = $3,000/1.04 + $3,000/1.04² = $2,884.62 + $2,773.67 = $5,658.29

4)

present value of an annuity = $500 x 4.3553 (PV annuity factor, 10%, 6 periods) = $2,177.65

present value of an annuity = $500 x 6.1446 (PV annuity factor, 10%, 10 periods) = $3,072.30

5)

annual payment = present value / annuity factor = $500,000 / 3.6048 (PV annuity factor, 12%, 5 years) = $138,703.95

6)

annual payment = present value / annuity factor = $15,000 / 3.1699 (PV annuity factor, 10%, 4 years) = $4,732.01

7)

the value of the loan = PV of the principal + PV of the interest payments

PV of the principal = $1,000 / 1.085⁸ = $520.67

PV of interest payments = $85 x 5.63918 (PV annuity factor, 8.5%, 8 periods) = $479.33

market value of the debt = $1,000

8)

the value of the loan = PV of the principal + PV of the interest payments

PV of the principal = $1,000 / 1.085¹⁰ = $442.29

PV of interest payments = $85 x 5.3349 (PV annuity factor, 10%, 8 periods) = $453.47

market value of the debt = $895.76

9)

the value of the loan = PV of the principal + PV of the interest payments

PV of the principal = $1,000 / 1.08⁸ = $540.27

PV of interest payments = $85 x 5.7466 (PV annuity factor, 8.5%, 8 periods) = $488.46

market value of the debt = $1,028.73

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