Prepare an amortization schedule for a three-year loan of $63,000. The interest rate is 10 percent per year, and the loan calls for equal annual payments. How much total interest is paid over the life of the loan?
Answer:
1. $104.854
2. $274.854
When it is necessary to inform a customer about a delay in their order , the proper communication format should be?
Final answer:
To inform a customer about an order delay, consider urgency and the customer's preferred communication method. Common formats include personal phone calls and emails, with the choice guided by company policy and the need for immediacy. Maintain professionalism by using clear, concise language without text abbreviations.
Explanation:
When informing a customer about a delay in their order, it is crucial to choose the proper communication format. The format selected should be based on several factors:
The urgency of the messageThe customer's preferred method of communicationThe formalities required by your company's communication protocolIf the customer specifically asked to be called or requires immediate notification, a personal phone call is appropriate. However, in situations where immediacy is not critical or where a record of the communication is necessary, an e-mail may suffice. Customer communications should be clear, concise, and avoid casual text language. For example, using "you" instead of "u" and "are" instead of "r" is essential for maintaining professionalism. Before reaching out, always confirm with your supervisor the expected communication procedure, whether it’s via email, letter, memorandum, or otherwise. Discussing with mentors can provide insight into handling various scenarios effectively and respectfully. When selecting a format, ensure that your message will not be mistaken for bulk communication, which may be filtered out or ignored by the customer. A personally compelling approach, conveying empathy for any inconvenience the delay may cause, should be adopted to maintain customer relationships.
Adam has been hired by an organization that has a partnership with a foreign company. both the partners share resources and knowledge while developing new products. adam's organization has formed a ________.
Adam has been hired by an organization that has a partnership with a foreign company. Adam's organization has formed a strategic alliance. Thus, the correct option is (C).
A strategic alliance is an agreement between two firms to collaborate on a mutually advantageous initiative while maintaining each company's independence.
The arrangement is less complicated and less enforceable than a joint venture, in which two firms combine their resources to form a new company organization.
Strategic relationships are not a cure-all for every firm or scenario. Companies, on the other hand, may strengthen their competitive posture, gain entrance into new markets, augment important capabilities, and share the risk and expense of large development initiatives through strategic partnerships.
Therefore, the correct option is "C".
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This is an incomplete question the complete question is:
Adam has been hired by an organization that has a partnership with a foreign company. both partners share resources and knowledge while developing new products. adam's organization has formed a ________.
A. licensing company
B. franchising company
C. strategic alliance
D. foreign subsidiary
When a firm provides a specialized product or service for a narrow target market better than competitors, they are using a ___ strategy?
In a multi-level support model, external vendors are typically ____.
Within its human resource department, hoosier enterprises has a vice president of human resources, a director of human resources, a labor relations manager, assistant managers of human resources, a manager of compensation, an employee benefits manager, human relations supervisors, and team leaders for training and employee development. this hierarchy would suggest that hoosier enterprises has a(n) _______ organization.
Answer:
Hoosier Enterprises has a Tall Organizational Structure.
Explanation:
A tall organizational structure is an organization with tall hierarchy or many layers of structural levels. This type of structure is present in complex and large organizations. As we can see the example here, The Human Resource Department of Hoosier Enterprises has a tall structure having a Vice President, a Director, Labor Relations Manager, Assistant Managers of Human Resource, Manager of Compensation, an Employee Benefit Manager, Human Relations Supervisors and team leaders. This is a tall organizational structure that is prevailing in Hoosier Enterprises.
Laura is 8; her performance on a series of tasks is equivalent to that of the average 10-year-old. her intelligence quotient is:
Final answer:
Laura's IQ would be calculated using the formula IQ = (mental age ÷ chronological age) × 100. With her mental age being 10 years and her chronological age being 8 years, her IQ would be 125.
Explanation:
The question asks us to calculate Laura's IQ based on her performing tasks at the level of the average 10-year-old while she is only 8 years old. To find Laura's Intelligence Quotient (IQ), we use the formula:
IQ = (mental age ÷ chronological age) × 100.
Substituting the given values into the formula, we get:
IQ = (10 ÷ 8) × 100
This equals:
IQ = 1.25 × 100
IQ = 125
Therefore, Laura's IQ would be 125. It's important to note that while most modern intelligence tests use a individual's score compared to others of the same age, the concept of an intelligence ratio or quotient provides a good description of the score's meaning.
your boss has asked you to deliver a project sooner than expected. An appropriate response would be:
Answer:
Explanation:
Yes sir/ma'am
This graph shows the division of wealth in the United States in 2010.
Based on this graph, how much wealth did the top 20 percent of the population hold?
A - About 35 percent.
B - About 55 percent.
C - About 80 percent.
D - About 90 percent.
Based on this graph, the top 20 percent of the population consists of Top 1% and Next 19%. from the diagram above you can estimate that Top 1% has nearly 35% and Next 19% has nearly 55%.
Then the top 20% of the population hold about 35%+55%=90%.
Answer: correct choice is D.
Answer:
D. About 90%
Explanation:
The top 1% holds about 35% of the wealth, and the next 19% hold about 55%.
35+55 = 90%
So the top 20% hold about 90% of total wealth.
Another way to calculate this is to notice that 80% of people hold 10% of the wealth, so you could make (x= percentage of people) and subtract the remaining percentage of wealth. So:
(80% of people - x% of people) = (100% total wealth- 10% already taken)
x= 90%
The buying process begins with a comparison of available alternatives.
a. True
b. False
A corporation has perpetual life, until one of its shareholder dies.
a. True
b. False
Which answer best describes an unsubsidized federal loan?
A The federal government will cover the interest accumulated on the loan while you're in school.
B
You are only responsible for the cost of the loan.
C
The federal government will only cover the interest accumulated on the loan if you graduate and earn a degree.
D
You are responsible for paying all the interest that accumulates on your loan.
The answer is: D. You are responsible for paying all the interest that accumulates on your loan.
On average, the interest rates for student loan in untied states is around 6.8 - 7.7% and would keep accumulating until you pay them all. Unlike any other type of loans, you are still responsible to pay your student loans even if you declare bankruptcy. The repayment plan can be adjusted according to your convenience, but additional fees or interest may apply if you choose to do so.
An unsubsidized federal loan requires the borrower to pay all the interest that accumulates on the loan, even while in school.
Explanation:The correct answer is D - You are responsible for paying all the interest that accumulates on your loan.
An unsubsidized federal loan is a type of loan that is available to undergraduate, graduate, and professional students. Unlike a subsidized federal loan, the interest on an unsubsidized federal loan starts accruing from the moment the loan is disbursed. This means that you are responsible for paying all the interest that accumulates on your loan, even while you are still in school.
For example, if you borrow $10,000 through an unsubsidized federal loan and the interest rate is 5%, you will owe an additional $500 in interest for the first year of the loan.
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During 2008, the inflation rate increased and the unemployment rate increased. these events ______.
Determine whether the study depicts an observational study or an experiment. a scientist was studying the effects of a new fertilizer on crop yield. she randomly assigned half of the plots on a farm to group one and the remaining plots to group two. on the plots in group one, the new fertilizer was used for a year. on the plots in group two, the old fertilizer was used. at the end of the year the average crop yield for the plots in group one was compared with the average crop yield for the plots in group two.
Tax that you pay when making a profit from selling a house is an example of everfi
A person has to pay capital gain tax when making a profit from selling a house.
Further Explanation:
Capital Gain Tax
Capital gain tax is a direct tax. It a on the capital gain earned at the time of the sales of fixed assets. Capital gain is the difference between the sales value and the purchase value of an asset. When the owner of an asset sells the asset in the market, and the sales price is higher than the purchase price, then the difference is known as a capital gain or profit. The government charges capital gain tax on the capital gain or profit. Capital gain tax varies from 0% to 20%. Capital gain tax differs from asset to asset.
Tax on the profit of sales of a house:
The tax on the profit of sales of a house is an example of capital gain tax.
House is a fixed asset. When the owner of the house sells, it then the profit on the sales of the house is capital gain. The government would charge capital gain tax on the capital gain (profit) earned on the sales of the land.
Thus, the taxpayer has to pay capital gain tax on the profit earned from the sales of the house.
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Answer details
Grade : High School
Subject : Taxation
Chapter : Capital Gain Tax
Keywords: Tax, pay, making, profit, selling, house, example, capital gain, tax, taxable, income, gain on sale.
He received a grant for $1,900. What is the minimum amount Joaquin will need to contribute to his education annually if he chooses to live at home?
A.$13,035
B.$14,935
C.$20,955
D.$22,855
Answer: The correct answer is choice a - $13,035.
Explanation: In order to calculate Joaquin’s out of pocket cost for college you need to first calculate what the total cost for college is. In this example, he will need to pay all of the listed fees except room and board if he chooses to live at home. The total of all of the fees except room and board is $14,935. He received a grant for $1,900 which needs to be deducted from the annual cost to determine his out of pocket cost. $14,935 - 1,900 = $13,035 equals his out of pocket cost.
An american executive of a multinational home-furnishings chain finds that one of the company's production units in philippines employs children to work in its factories. however, most of the children employed at the factory are orphans who will be sold as forced labor or pushed into prostitution, if they lose their jobs. the executive finds that all the available alternatives seem ethically unacceptable. in this example, the american executive faces the free-rider problem. an ethical dilemma. a veil of ignorance. the tragedy of the commons.
Final answer:
The executive is facing an ethical dilemma regarding child labor in the Philippines. A nuanced understanding of the ethical context, local culture, and potential consequences must inform their decision-making process, with consideration given to unconventional solutions.
Explanation:
The situation presented involves an American executive facing a situation where a production unit in the Philippines employs children, who are orphans and might face worse circumstances if they lose their jobs. This scenario represents an ethical dilemma, as there are no clearly acceptable alternatives and each option carries significant moral consequences. It's not a free-rider problem, a veil of ignorance, or the tragedy of the commons, as those entail different societal and economic challenges.
In such complex cases, a company must consider the ethical context and local culture. Drawing from the experiences of Levi-Strauss & Company and the example of Ahmed Zia from Pakistan, it's important to recognize that blanket ethical standards may not be applicable across all cultures and situations. Creative solutions, like Levi-Strauss's education agreement, may be necessary to address these issues without worsening the children's conditions.
You should adjust your _____ to focus on a particular job.
Identify the self-assessment test that each statement describes. Harry wants to save money in a bank account. He decides to open a ___________ account with a five-year maturity date because it offers _____________ than a savings account does.
1.) checking
2.) CD
3.) market market
A.) a higher interest rate
B.) more ATM withdrawals
C.) a lower maturity period
The answer is: CD/higher interest rate
CD stands for certificate of deposit. When you open a CD, you agree to store your money in the bank within a specified period of time and the bank would give you a specified interest rate in return.
CD has higher interest rate compared to normal account. But, within that specified period you can take the money that you invested in CD (unless you want to receive penalty) , while you can take your money whenever you like if you open a saving account.
Insurance contracts are known as ____ because certain future conditions or acts must occur before any claims can be paid.
Insurance contracts are known as conditional contracts because future conditions or actions, such as an adverse event occurring, must be met before claims can be paid.
Explanation:Insurance contracts are known as conditional contracts because certain future conditions or acts, like the occurrence of an adverse event, must occur before any claims can be paid. For example, in the case of an insurance policy, you make a premium payment to an insurance company, which places you in a risk group.
This means that you are in a group of individuals who share roughly the same risks of an adverse event occurring. If this event occurs, you are then eligible to receive a claim. This system operates on the fundamental law of insurance which dictates that the average person cannot pay less into the system than what they receive from it, a key point in understanding insurance and the concept of imperfect information.
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A business process describes a specific set of ____.
a. employees
b. events
c. results
d. transactions
As a general rule: i. income from property is taxed to the person who owns the property. ii. income from services is taxed to the person who earns the income. iii. the assignee of income from property must pay tax on the income. iv. the person who receives the benefit of the income must pay the tax on the income.
You'll always be a step ahead of your competition if you simply think about your company.
a. True
b. False
Is dividing work activities into separate job tasks; this is also called division of labor?
From 1970 to 1980, the consumer price index (CPI) increased from 38.8 to 82.4. If a dozen eggs cost $0.25 in 1970 and the price of eggs increased at the same rate as the CPI from 1970 to 1980, approximately how much did a dozen eggs cost in 1980?
Because the price of eggs increased at the same rate as the CPI from 1970 to 1980, then, the amount that a dozen eggs cost in 1980 will be $0.53.
What is a CPI?The CPI refers to Consumer Price Index.
We calculate the Consumer Price Index by add together a sampling of product prices from a previous year and add together the current prices of the same products.
Hence, the amount that a dozen eggs cost in 1980 will be $0.53.
Therefore, the Option D is correct.
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A coach wants to see how long the members of the swim team can hold their breath. he times each member and finds that the average is 53 seconds. what type of study is this? experiment double-blind study
Answer:
Observational Study
Explanation:
In an Observational Study, the researcher observes the effect of either a diagnostic tests, a risk factor, a treatment or other intervention without trying to change who is or isn't exposed to it; as it applies in the case of the coach and the members.
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When the floor rusted through on her old car, kelly knew she had a problem. logically, kelly's next step in the consumer decision process would be to identify her need. search for information about cars. evaluate alternatives. purchase a new car. assess her satisfaction with the car she purchased?
Phloem sap can flow ________. phloem sap can flow ________. from leaves to shoots only from sites of sugar production to storage units only from shoots to leaves only both ways between production and storage sites
Runaround corporation sells running shoes and during january they ran production machines for 20,000 hours total and incurred $9,000 in maintenance costs. during july they ran production machines for 14,000 hours total and incurred $7,200 in maintenance costs. based on this data, what are the fixed costs?
Final answer:
To calculate the fixed maintenance costs of Runaround corporation, a system of equations is derived from the provided data. By solving this system, the fixed cost is determined to be $3,000.
Explanation:
To find the fixed costs for Runaround corporation based on the maintenance costs incurred during different machine operation hours, we can use a simple cost equation: Total Cost = Fixed Cost + (Variable Cost per Unit * Number of Units). In this case, Total Cost is the maintenance cost and Number of Units is the machine hours worked.
Step 1: Compute the Variable Cost per Machine Hour
We have two scenarios:
January: 20,000 machine hours and $9,000 maintenance costJuly: 14,000 machine hours and $7,200 maintenance costUsing these two points, we can create a system of equations:
9,000 = Fixed Cost + (Variable Cost × 20,000)7,200 = Fixed Cost + (Variable Cost × 14,000)By solving this system of equations, we can find the Fixed Cost and Variable Cost per Machine Hour.
Step 2: Solve for Fixed Cost
Subtracting the second equation from the first, we get:
(9,000 - 7,200) = (Variable Cost × 20,000) - (Variable Cost 14,000)
1,800 = Variable Cost × (20,000 - 14,000)
1,800 = Variable Cost × 6,000
Variable Cost = $0.30 per machine hour
Now, plug this back into one of the original equations:
9,000 = Fixed Cost + (0.30 × 20,000)
9,000 = Fixed Cost + 6,000
Fixed Cost = 9,000 - 6,000
Fixed Cost = $3,000
Which two factors determine the risk level in the "risk assessment matrix"?