You receive a credit card application from Shady Banks Savings and Loan offering an introductory rate of .5 percent per year, compounded monthly for the first six months, increasing thereafter to 17.9 percent compounded monthly. Assume you transfer the $6,900 balance from your existing credit card and make no subsequent payments. How much interest will you owe at the end of the first year? (Do not round intermediate calculations and round your answer to 2 decimal places, e.g., 32.16.)

Answers

Answer 1

Answer:

FV $6,955.86

Explanation:

.5% per year compounded monthly during six month

then

19% per year compounded monthly during six month

[tex]Principal \: (1 + rate/n)^{time*n}\: (1 + rate/n)^{time*n} } = FV[/tex]

We have to use the 0.5 rate for the first six month, and then the 19% ate for the following six month

[tex]Principal \: (1 + 0.005/12)^{(6/12)*12}\: (1 + .19/12)^{(6/12)*12} } = FV[/tex]

FV 6,955.859156

FV $6,955.86

Answer 2
Final answer:

A credit card balance of $6,900 at the offered interest rates would result in approximately $1,076 interest owed at the end of the year.

Explanation:

The subject of this question is financial mathematics, specifically interest calculation. Given the information in the question, we can calculate the interest charged on a credit card balance of $6,900, first at the introductory interest rate and then at the regular rate.

For the first six months, the interest rate is 0.5% per year, compounded monthly. We need to first convert this annual rate to a monthly rate by dividing by 12, giving us approximately 0.04167% per month. This means that every month, the balance will grow by that rate.

To calculate the interest accrued over these six months, we can use the formula for compound interest which is Principal * (1 + Interest Rate) to the power of Time given in months. This gives us a new balance of approximately $6,931

For the next six months, the interest rate increases to 17.9% per year, compounded monthly, which is approximately 1.49% per month. Again, we use the compound interest formula, but this time with the new balance as the principal. This gives us a final balance of approximately $7,976

The total interest owed at the end of the year is the final balance minus the initial balance, which is $7,976 - $6,900 = $1,076

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Related Questions

The following is the adjusted trial balance of Wilson Trucking Company. Account Title Debit Credit Cash $ 8,000 Accounts receivable 17,500 Office supplies 3,000 Trucks 172,000 Accumulated depreciation — Trucks $ 36,000 Land 85,000 Accounts payable 12,000 Interest payable 4,000 Long-term notes payable 53,000 Common stock 30,000 Retained earnings 145,000 Dividends 20,000 Trucking fees earned 130,000 Depreciation expense — Trucks 23,500 Salaries expense 61,000 Office supplies expense 8,000 Repairs expense — Trucks 12,000 Totals $ 410,000 $ 410,000 The retained earnings account balance is $145,000 at December 31, 2012. (1) Prepare the income statement for the year ended December 31, 2013.

Answers

Answer:

The company earns a net profit of $25,500 for the year ended December 31, 2013

Explanation:

The income statement is that statement which records expenditure & income and gains. It is also known as profit or loss account.

The income statement either comes in net profit or net loss which reflects the profit or loss of the company for a particular year.

The profit is come when revenues is higher than expenses whereas losses come when revenue is less than expenses.

The income statement for the year ended December 31, 2013 is shown below:

= Trucking fee earned - Salaries expenses - Office supplies expenses - Repair expenses - depreciation expenses

= $130,000  - $61,000 -  $8,000 - $12,000 - $23,500

= $25,500

Since, the  positive amount is come.

So, the company earns a net profit of $25,500 for the year ended December 31, 2013.

Final answer:

To set up a T-account balance sheet for the bank, list the assets (deposits, reserves, and government bonds) and the liabilities (loans). Calculate the bank's net worth by subtracting the liabilities from the assets.

Explanation:

To set up a T-account balance sheet for the bank, we list the assets and liabilities in separate columns. The assets include deposits ($400), reserves ($50), and government bonds ($70). The liabilities include loans ($500). The net worth of the bank, also known as equity, can be calculated by subtracting the liabilities from the assets. In this case, the net worth would be the sum of the assets ($400 + $50 + $70) minus the loans ($500), which equals $20.

Macon Enterprises purchased land for $2,000,000 in 2001. In 2017, an independent appraiser assessed the value at $3,400,000. What amount should appear on the financial statements in 2017 with respect to the land and what accounting assumption or principle explains why?

Answers

Answer:

The financial statements balance for land will be 2,000,000

Under the Cost and conservatism principles.

Explanation:

Property, Plant and Equipment are valued at cost.

The financial statements balance for land will be 2,000,000

Under the GAAP this should be the principles to explaing this reasoning:

Conservatism principle: Revenues, Gains and assets only when you are sure that they will occur. The land is not for sale, and it is not expected to be sold so the potencial gain for selling or valuation should not be recorded.

Cost principle: The bookkepper should post at their original purchase costs.

Tyson is a 25% partner in the KT Partnership. On January 1, KT makes a proportionate distribution of $16,000 cash, inventory with a $16,000 fair value (inside basis $8,000), and land with a fair value of $8,000 (inside basis of $12,000) to Tyson. KT has no liabilities at the date of the distribution. Tyson's basis in his KT partnership interest is $24,000. What is Tyson's basis in the distributed inventory and land?

Answers

Answer:

Tyson's basis in the distributed inventory = $8,000 and land = $12,000

Explanation:

Total basis value of assets received by Tyson = Cash + Inventory + Land

= $16,000 + $8,000 + $12,000 = $36,000

For this Tyson's basis of interest in partnership = $24,000

Thus Tyson's Basis in Inventory = $8,000

Tyson's basis for Land = $12,000

Note: the basis is book value and not the market value even in case it is less than book value.

Tyson's basis in the distributed inventory = $8,000 and land = $12,000

Final answer:

Tyson's basis in the distributed inventory and land from KT Partnership is respectively $2,000 and $3,000, computed by taking his 25% ownership of the inside basis.

Explanation:

In this business scenario involving partnership distribution, Tyson's basis in the distributed inventory and land can be calculated based on the inside basis. For the inventory, Tyson would take his ownership percentage (25%) of the inside basis which results in $2,000 ($8,000 * 0.25). Similarly, for the land, he would take 25% of the inside basis, amounting to $3,000 ($12,000 * 0.25). Therefore, Tyson's basis in the distributed inventory is $2,000 and $3,000 in the land.

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Bonita Industries has gathered the following information concerning one model of shoe: Variable manufacturing costs $28000 Variable selling and administrative costs $12000 Fixed manufacturing costs $160000 Fixed selling and administrative costs $120000 Investment $1600000 ROI 30% Planned production and sales 5000 pairs What is the markup percentage?

Answers

Answer:

Markup percentage = 150%

Explanation:

Markup = Selling Price - Cost

Total Cost = Variable + Fixed

Variable Costs = Manufacturing + Selling and Administrative

= $28,000 + $12,000 = $40,000

Fixed Costs = Manufacturing + Selling and Administrative

= $160,000 + $120,000 = $280,000

Total Cost = $40,000 + $280,000 = $320,000

Cost per unit = $320,000/ 5,000 = $64 per unit

Return on Investment = $1,600,000 X 30% = $480,000

Selling Value = Total Cost + Profit or Return = $320,000 + $480,000 = $800,000

Selling Price per unit = $800,000/5,000 = $160

Markup Percentage = [tex]\frac{Selling price - Cost per unit}{Cost per unit}  X 100[/tex]

= [tex]\frac{160-64}{64} X 100 = 150[/tex] percent

= 150%

Exercise 24-5 Bruno Corporation is involved in the business of injection molding of plastics. It is considering the purchase of a new computer-aided design and manufacturing machine for $436,900. The company believes that with this new machine it will improve productivity and increase quality, resulting in an increase in net annual cash flows of $103,273 for the next 6 years. Management requires a 10% rate of return on all new investments. (a) Calculate the internal rate of return on this new machine. Should the investment be accepted? (b) Calculate cash payback period, internal rate of return, and apply decision rules.

Answers

Answer:

The internal rate of return is 11%,  the investment will be accepted.  

Payback Period is 5

Explanation:

We use excel or a spreadsheet to calculate this ratio. See document attached.

We must use a cash flow to solve this problem.

At moment 0 we have the investment cost , in this case $436,900. From period 1 to period 6, we have incomes o benefits of $103,273. Then, we calculate the Net cash flow that is the difference between benefits and cost.

We use all the result (positive and negative) in Net cash flow to get the IRR.

The decision rules are 3:

Net Present Value (NPV)

Internal Rate of Return (IRR)

Payback Period

The Supplies account had a balance at the beginning of year 3 of $8900 (before the reversing entry). Payments for purchases of supplies during year 3 amounted to $53300 and were recorded as expense. A physical count at the end of year 3 revealed supplies costing $14900 were on hand. Reversing entries are used by this company. The required adjusting entry at the end of year 3 will include a debit to:

Answers

Answer:

supplies expense 47,300 DEBIT

  supplies   47,300 CREDIT

Explanation:

[tex]$$Beginning Inventory + Purchase = Ending Inventory + supplies Expense[/tex]

8,900 + 53,300 = 14,900 + supplies expense

8,900 + 53,300 - 14,900 = supplies expense

supplies expense = 47,300

Beginning and Purchase will be the supplies available during the period.

this supplies can be used or stored.

if the stored are 14,900 then the diference was used.

Final answer:

The required adjusting entry at the end of year 3 would include a debit to the Supplies Expense account for $47,300, which is the calculated value of supplies used during the year (beginning balance plus purchases minus the ending physical count).

Explanation:

The subject of this question is accounting, specifically related to the adjusting entries at year-end for the supplies account balance. When a physical count reveals that the supplies on hand at the end of the year cost $14,900, and the company had a beginning balance of supplies of $8,900, we need to account for the supplies used during the year. During year 3, payments for purchases of supplies amounted to $53,300 and were recorded as an expense. However, we need to adjust the expense to reflect the actual supplies used.

To do this, we would calculate the supplies used as follows:

Beginning balance of supplies: $8,900

Add: Purchases of supplies during the year: $53,300

Less: Ending balance of supplies: $14,900 (physical count)

Equals: Supplies expense for the year (supplies used): $47,300

The required adjusting entry at the end of year 3 would therefore include a debit to Supplies Expense for the value of supplies used ($47,300) and a credit to the Supplies account for the same amount, assuming the company had initially debited Supplies Expense when the supplies were purchased.

The reversing entry, typically done at the beginning of the new year, would reverse this process, making the books ready for the new year's transactions.

The U.S. Supreme Court ruled that cities could have school voucher programs that give money directly to parents, who could then choose among competing schools, public or private. The ideas was to create competition among schools. Like businesses, schools were expected to improve their services (e.g., how effectively they teach) to win students from competitors. The result would be improvement in all schools, private and public, to benefit many students. Do you believe that such economic principles apply in both private and public organizations?

Answers

Answer:

No, I don't beliave

Explanation:

The classic economic model is based on the price competition system. This is a beneficial system for consumers who will pay a lower price as a result of competition. This works well in some sectors, but not all, such as schools.

In my view, the school cannot be used as a commodity. Schools have different structures for the same purpose, so some differ in their educational approach. If a competitive system is in place, it will pressure schools to streamline education to lower costs and maximize school profit - just as companies do. It turns out that a school does not have the same purpose as companies. The company aims for profit while the school aims to educate.

Final answer:

School choice programs promote competition among schools, encouraging improvement in services to attract students, aligning with economic principles applicable to both private and public organizations.

Explanation:

School voucher programs were designed to create competition among schools, public and private, with the belief that schools would improve their services to attract students. This concept is rooted in economic principles applicable to both private and public organizations.

The idea behind vouchers is that increased competition among schools leads to improved educational outcomes. This competition encourages schools to strive for excellence in order to attract students, similar to how businesses operate in a competitive market.

Although the impact of school choice programs on academic achievement and public school funding is still being studied, the competitive nature of these programs mirrors the economic principles of competition and improvement seen in private and public organizations.

The business firm of Tinker, Evers and Chance had a level of inventory of $60 million on January 1, 1908, and ended up the year with an inventory of $70 million on December 31, 1908. The company's expenditures on new plant and equipment for the year was $120 million, while its depreciation on the plant and equipment was $90 million.How much was inventory investment for the year

Answers

Answer:

Tinker, Evers and Chance inventory investment 10 millions

Explanation:

Inventory investment:

Will be the diference in amount betwene the ending and beginning invnetory. It assumes that a company will use the revenue from sale to at least maintan ther inventory.

When the company invest on inventory, it meas it increase their stock of goods.

A company will disinvest if the ending is lower than beginning, because the sales proceeds were not used to purchase inventory.

Ending inventory - beginning inventory = inventory investment

70 - 60 = 10

Skelton Brush Company sells standard hair brushes. The following information summarizes Skelton's operating activities for 2017. Selling and Administrative Expenses $44,000 Purchases 89,500 Net Sales Revenue 142,300 Merchandise Inventory, January 1, 2017 11,650 Merchandise Inventory, December 31, 2017 14,400 Calculate the operating income for 2017.

Answers

Answer:

The operating income for 2017 is $11,550

Explanation:

For computing the net income, first we have to calculate the cost of goods sold which is shown below:

Cost of goods sold = Opening merchandise inventory + Purchase - Closing inventory

= $11,650 + $89,500 - $14,400

= $86,750

Now, we know that if we deduct the cost of goods sold from sales, than gross profit is come.

So, Sales - Cost of goods sold = Gross profit

$142,300 - $86,750 = Gross Profit

Gross Profit = $55,550

Now deduct the Selling and Administrative Expenses from gross profit, so that net income can computed

So, Gross profit -  Selling and Administrative Expenses = Net income

$55,550 - $44,000 = Net income

Net income = $11,550

Hence, the operating income for 2017 is $11,550

On December 31, 2018, Spearmint, Inc., issued $450,000 of 9 percent, 3-year bonds at a premium of $11,795. The bonds pay interest semiannually. Spearmint uses the straight-line bond amortization method. The entry to record each interest payment includes a debit to Bond Interest Expense for $18,284, a debit to Premium on Bonds Payable for $1,966, and a credit to Cash for $20,250. At June 30, 2019, the carrying value of the bonds will equal _____.

Answers

Answer:

a debit to Premium on Bonds Payable for $1,966, and a credit to Cash for $20,250.

Explanation:

450,000 bonds face vbalue

11,795 premium

450,000 x 0.09/2 = 20,250 cash procceds

11,795/ 6 = 1,965.83333 = 1,966 premium amortization

For the employees who left the company before 3 years, what is an appropriate test of hypothesis to determine if the mean tenure of such employees equals 18 months in the population? One sample t test Paired samples t test Independent samples t test None of the above

Answers

Answer:

Here one sample t test would be the appropriate test of hypothesis to determine if the mean tenure  of employees equals 18 months in the population.

Explanation:

Here we will use one sample t test because in this situation we are comparing a single sample mean to a determined constant and through this we are trying to find out whether there is any statistical difference between sample mean and a know population mean.

Final answer:

The appropriate test to determine if the mean tenure of employees who left the company before 3 years equals 18 months is the one sample t-test. This test compares the sample mean to a known value when the population standard deviation is unknown, and it is suitable for small samples or normally distributed populations.

Explanation:

To determine if the mean tenure of employees who left the company before 3 years equals 18 months, the appropriate test of hypothesis is the one sample t-test. This is because we are comparing the mean tenure of a single sample of employees to a known value (18 months) without comparing it to another sample. The one-sample t-test is especially useful when the population standard deviation is unknown the sample size is relatively small or the population is assumed to be normally distributed.

In conducting the one sample t-test, the null hypothesis (H0) posits that the mean tenure (µ) of employees equals 18 months, whereas the alternative hypothesis (Ha) suggests that the mean tenure is different from 18 months. This constitutes a two-tailed test because the alternative hypothesis does not specify whether the mean tenure is less than or greater than 18 months; it only states that it is not equal to 18 months.

Stellan Manufacturing is considering the following two investment​ proposals: Proposal X Proposal Y Investment $ 720 comma 000 $ 512 comma 000 Useful life 5 years 4 years Estimated annual net cash inflows received at the end of each year $ 150 comma 000 $ 110 comma 000 Residual value $ 58 comma 000 ​$0 Depreciation method Straight Minusline Straight Minus Line Annual discount rate ​10% ​9% Present value of an ordinary annuity of​ $1: ​8% ​9% ​10% 1 0.926 0.917 0.909 2 1.783 1.759 1.736 3 2.577 2.531 2.487 4 3.312 3.240 3.170 5 3.993 3.809 3.791 6 4.623 4.486 4.355 Compute the present value of the future cash inflows from Proposal Y.

Answers

Answer:

Present value of future cash inflows of Project Y = $110,000 X 3.240 = $356,400

Explanation:

Provided cost of Proposal Y = $512,000

Residual Value = $0

Depreciation will not be considered as we need to consider the present value of future cash flows, depreciation does not involve any cash flow.

Useful life = 4 years

Estimated cash inflow per year = $110,000

Discount rate = 9%

Present Value of an Ordinary Annuity = 3.240 @ 9% for 4 years

Thus present value of future cash inflows = $110,000 X 3.240 = $356,400

Note: Net Present Value = Present Value of Cash Inflows - Present Value of  Cash Outflow = $356,400 - $512,000 = -$155,600

Final Answer

Present value of future cash inflows of Project Y = $110,000 X 3.240 = $356,400

Final answer:

The present value of future cash inflows for Proposal Y is computed by multiplying the annual net cash inflow ($110,000) by the present value of an ordinary annuity for 4 years at a 9% discount rate (3.240), which results in $356,400.

Explanation:

Given the parameters for Proposal Y: the estimated annual net cash inflow is $110,000 for 4 years with an annual discount rate of 9%. To compute the present value (PV) of the future cash inflows from Proposal Y, we have to multiply the annual net cash inflow by the present value of an ordinary annuity for 4 years at 9%.

From the provided annuity table, the present value factor for 4 years at 9% discount rate is 3.240. Therefore, the present value of future cash inflows from Proposal Y is $110,000 * 3.240 = $356,400.

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A company has a beginning inventory of $ 60,000 and purchases during the year of $ 90,000. The beginning inventory consisted of 4,000 units and 9,000 units were purchased during the year. The company has 5,000 units left at yearminusend. Under averageminus​cost, what is Cost of Goods​ Sold? (Round any intermediary calculations to two decimal places and your final answer to the nearest​ dollar.)

Answers

Answer:

Cost of goods sold 103,860

Explanation:

beginning 4,000 units at $60,000

purchases 9,000 units at $90,000

Cost of goods available 13,000 units at $150,000

average cost 11.54 (rounded to two decimal places)

13,000 units of  goods for sale - 5,000 ending inventory = 9,000 units sold

cost of goods sold 9,000 x 11.54 = 103,860

Final answer:

The Cost of Goods Sold (COGS), under the average cost method, is calculated by finding the average cost per unit and multiplying by the number of units sold. In this case, the COGS is $80,000.

Explanation:

First, let's calculate the average cost per unit by adding the beginning inventory and purchases and dividing by the total number of units (the sum of the beginning inventory units and purchased units). In this case, ($60,000 + $90,000) / (4,000 + 9,000) = $10 / unit. Then, we multiply this average cost per unit by the number of units sold, which is the difference between the total number of units and the ending inventory. Hence, (13,000 units - 5,000 units) * $10 / unit gives us a Cost of Goods Sold (COGS) of $80,000.

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A quality control inspector has drawn a sample of 18 light bulbs from a recent production lot. If the number of defective bulbs is 2 or more, the lot fails inspection. Suppose 30% of the bulbs in the lot are defective. What is the probability that the lot will fail inspection? Round your answer to four decimal places.

Answers

Answer: 0.9858

Explanation:

Binomial distribution formula

[tex]P(X=x)=^nC_x\ p^x\ (1-p)^{n-x}[/tex], where P(x) is the probability of getting success in x trials , n is total number of trials and p is the probability of getting success in each trial.

Given : The probability that bulbs in the lot is defective = 0.30

Sample size = 18

If the number of defective bulbs is 2 or more, the lot fails inspection.

Then , the probability that the lot will fail inspection is given by :-

[tex]P(X\geq2)=1-(P(X<2))\\\\=1-(P(0)+P(1))\\\\=1-(^{18}C_0\ (0.3)^0 (1-0.3)^{18}+^{18}C_1\ (0.3)^1 (1-0.3)^{17})\\\\=1-((0.3)^0 (0.7)^{18}+18(0.3)^1 (0.7)^{17})\approx0.9858[/tex]

Hence, the probability that the lot will fail inspection =0.9858

Answer:

There is a 98.58% probability that the lot will fail inspection.

Explanation:

For each light bulb in the production lot, there are two possible outcomes. Either they are defective, or they are not. This means that we can solve this problem using concepts of the binomial probability distribution.

Binomial probability distribution

The binomial probability is the probability of exactly x successes on n repeated trials, and X can only have two outcomes.

[tex]P(X = x) = C_{n,x}.p^{x}.(1-p)^{n-x}[/tex]

In which [tex]C_{n,x}[/tex] is the number of different combinatios of x objects from a set of n elements, given by the following formula.

[tex]C_{n,x} = \frac{n!}{x!(n-x)!}[/tex]

And p is the probability of X happening.

In this problem we have that:

There are 18 light bulbs, so [tex]n = 18[/tex].

30% of the bulbs in the lot are defective. This means that [tex]p = 0.3[/tex].

If the number of defective bulbs is 2 or more, the lot fails inspection. Suppose 30% of the bulbs in the lot are defective. What is the probability that the lot will fail inspection?

This is [tex]P(X \geq 2)[/tex].

Either there are 2 or more defective bulbs, or there are less than two. The sum of the probabilities of these events is decimal 1. So:

[tex]P(X < 2) + P(X \geq 2) = 1[/tex]

[tex]P(X \geq 2) = 1 - P(X < 2)[/tex]

In which

[tex]P(X < 2) = P(X = 0) + P(X = 1)[/tex]

So

[tex]P(X = x) = C_{n,x}.p^{x}.(1-p)^{n-x}[/tex]

[tex]P(X = 0) = C_{18,0}.(0.30)^{0}.(0.70)^{18} = 0.0016[/tex]

[tex]P(X = 1) = C_{18,1}.(0.30)^{1}.(0.70)^{1t} = 0.0126[/tex]

[tex]P(X < 2) = P(X = 0) + P(X = 1) = 0.0016 + 0.0126 = 0.0142[/tex]

Finally

[tex]P(X \geq 2) = 1 - P(X < 2) = 1 - 0.0142 = 0.9858[/tex]

There is a 98.58% probability that the lot will fail inspection.

Suppose your company needs $13 million to build a new assembly line. Your target debt-equity ratio is .55. The flotation cost for new equity is 6 percent, but the flotation cost for debt is only 3 percent. Your boss has decided to fund the project by borrowing money because the flotation costs are lower and the needed funds are relatively small. a. What is your company’s weighted average flotation cost, assuming all equity is raised externally? (Do not round intermediate calculations and enter your answer as a percent rounded to 2 decimal places, e.g., 32.16.) b. What is the true cost of building the new assembly line after taking flotation costs into account? (Do not round intermediate calculations and enter your answer in dollars, not millions, rounded to the nearest whole dollar amount, e.g., 1,234,5667.)

Answers

Answer:True cost = [tex]\frac{cost of assembly}{1-weighted flotation cost }[/tex]

=  [tex]\frac{13,000,000}{1- 0.049}[/tex]

= $ 13,669,821.2

Explanation:

Given :

Debt-Equity ratio = 0.55

Flotation cost for new equity = 6%

Flotation cost for debt = 3 %

∴ To compute the weighted flotation cost , we'll use the following formula:

Weighted Flotation cost =[tex]\left [ \frac{1}{1+Debt-Equity ratio}\times Flotation cost of equity \right ] + \left [ \frac{Debt-Equity ratio}{1+Debt-Equity ratio}\times Flotation cost of debt \right ][/tex]

=  [tex]\left [ \frac{1}{1+0.55}\times 0.06 \right ] + \left [ \frac{0.55}{1+0.55}\times 0.03 \right ][/tex]

= 0.0387 + 0.0106

= 0.04934 or 4.93%

The true cost of building the new assembly line after taking flotation costs into account is evaluated using the following formula :

True cost = [tex]\frac{cost of assembly}{1-weighted flotation cost }[/tex]

=  [tex]\frac{13,000,000}{1- 0.049}[/tex]

= $ 13,669,821.2

Workman Software has 8.8 percent coupon bonds on the market with 19 years to maturity. The bonds make semiannual payments and currently sell for 107.2 percent of par. a. What is the current yield on the bonds? (Do not round intermediate calculations and enter your answer as a percent rounded to 2 decimal places, e.g., 32.16.) b. What is the YTM? (Do not round intermediate calculations and enter your answer as a percent rounded to 2 decimal places, e.g., 32.16.) c. What is the effective annual yield? (Do not round intermediate calculations and enter your answer as a percent rounded to 2 decimal places, e.g., 32.16.)

Answers

Answer:

current yield 8.2089552%

YTM = 8.05%

effective annual yield = 4.92%

Explanation:

(A)

current yield = C/P

coupon payment / market price

8.8/107.2 = 0.082089552 = 8.2089552%

(B)

[tex]P = \frac{C}{2} \times\frac{1-(1+YTM/2)^{-2t} }{YTM/2} + \frac{CP}{(1+YTM/2)^{2t}}[/tex]

First par being the present value of the coupon payment and second the redeem of the face value at the end of the bond.

market price 107.2

face value 100

time = 19

rate 8.8%

C = annual coupon payment 100 x 8.8% = 8.8

You solve this using a financial calculation and get the semiannual rate

YTM/2 = 0.040268160

then multiply by 2 to get the annual YTM

0.040268160  x 2 =

YTM = 0.08053632 = 8.05%

(C)

Effective Annual Yield

[tex](1+HPR)^{365/time} -1 = EAY[/tex]

where:

Holding period return:

[tex]\frac{Net \: Return}{Investment} = HPR[/tex]

In this case:

coupon payment + redem - investment = net return

8.8 * 19 + 100 - 107.2 = 160

160/107.2 = 1.492537313

Then

[tex](1+HPR)^{365/time} -1 = EAY[/tex]

[tex](1+1.142537313)^{\frac{365}{19\times365}} -1 = EAY[/tex]

EAY = 0.049242509 = 4.9242509%

Final answer:

The properties of a bond, such as the coupon rate, maturity date and face value, are used to calculate the current yield, the yield to maturity (YTM), and the effective annual yield of a bond. The yield represents the return an investor will receive by holding the bond.

Explanation:

A bond has several parts. It is an 'I owe you' note that an investor receives in exchange for capital or money which the borrower has to pay back at maturity. The specifics of a bond are usually given by the coupon rate or interest rate, its maturity date, and its face value, which is the amount the borrower agrees to pay the investor at maturity.

The current yield on a bond is calculated by the annual income (the interest payment) divided by the current market price. For the bond from Workman Software, the annual interest income is 8.8% of its face value and is currently sold for 107.2% of par. The yield to maturity or YTM represents the total returns expected on a bond if it is held until maturity. This considers both the coupon payments received semiannually and the face value received at the end of maturity. Finally, the effective annual yield takes into account the compounding of interest in a given year.

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Childress Company produces three products, K1, S5, and G9. Each product uses the same type of direct material. K1 uses 4 pounds of the material, S5 uses 3 pounds of the material, and G9 uses 6 pounds of the material. Demand for all products is strong, but only 50,000 pounds of material are available. Information about the selling price per unit and variable cost per unit of each product follows. K1 S5 G91Selling price$160 $112 $210 Variable costs 96 85 144 1. Calculate the contribution margin per pound for each of the three products.

Answers

Answer:

The contribution per pound for K1, S5, and G9 is $64 per pound, $27 per pound, and $66 per pound respectively.

Explanation:

The contribution margin shows a difference between selling price per unit and the variable cost per unit.

In equation, it is displayed below:

Contribution per unit = Selling price per unit - Variable cost per unit

Since, in the question we have to calculate the contribution margin per pound  for each of the three products. So by using the above equation, the calculation can be made which is shown below:

Contribution margin per pound for Product K1

= K1 Selling price per pound - K1 Variable cost per pound

= $160- $96

= $64 per pound

Contribution margin per pound for Product S5

= S5 Selling price per pound - S5 Variable cost per pound

= $112- $85

=$27 per pound

Contribution margin per pound for Product G9

= G9 Selling price per pound - G9 Variable cost per pound

= $210- $144

=$66 per pound

Other costs and production level is immaterial while calculating contribution margin for these three products.

Hence, the contribution per pound for K1, S5, and G9 is $64 per pound, $27 per pound, and $66 per pound respectively.

Montero Co. holds 100,000 common shares (40%) of ORD Corp. as a long-term investment. ORD Corp. paid a $100,000 dividend on November 1, 2017, and reported a net income of $700,000 for 2017. Prepare entry to record the receipt of the dividend and the December 31, 2017, year-end adjustment required for the investment account.

Answers

Answer:

Cash                         40,000

               ORD Corp              40,000

to record the cash payment of ORD Corp

ORD Corp                280,000

          Gain on Investment/ ORD Corp     280,000

to record the proportional net income of ORD Corp

Explanation:

100,000 x 40% = 40,000

700,000 x 40% = 280,000

The cash is treated as moving money from one place to another

It is moving from the company you have a degree of control, from your company. It increase your cash and decrease the Investment

The net incoem will be the gain in the investment, adn will impact the invstment asset and the gain on investment

Abby purchased 100 shares of her dad’s favorite stock for $25.80 per share exactly 1 year ago, commission free. She sold it today for a total amount of $2865. She plans to invest the entire amount in a different corporation’s stock today, but must now pay a $50 commission fee. If she plans to sell this new stock exactly 1 year from now and realize the same return as she has just made, what must be the total amount she receives next year? Include the commission fee as a part of the purchase price, but neglect any tax effects.

Answers

Final answer:

Abby made a return of $285 on the first stock and then reinvested $2815 after taking a commission fee into account. To realize the same return, she needs to receive $3100 next year.

Explanation:

Let's start by calculating the return Abby made on the first stock. She bought the stock for $25.80 per share, buying a total of 100 shares which leads to an investment of $25.80 * 100 = $2580. She then sold the stocks for a total of $2865, resulting in a return of $2865 - $2580 = $285.

Next, Abby plans to reinvest the total amount but now there is a $50 commission fee. So, the amount she actually invests is $2865 - $50 = $2815. To realize the same return as her first investment, she should add the return of $285 to her invested amount so the total amount she needs to receive next year would be $2815 + $285 = $3100.

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The following balance sheet information is provided for San Juan Company for 2014: Assets Cash $ 6,650 Accounts receivable 7,950 Inventory 11,550 Prepaid expenses 2,500 Plant and equipment, net of depreciation 18,400 Land 13,000 Total assets $ 60,050 Liabilities and Stockholders' Equity Accounts payable $ 3,150 Salaries payable 7,640 Bonds payable (Due in 2020) 15,400 Common stock, no par 18,600 Retained earnings 15,260 Total liabilities and stockholders' equity $ 60,050 What is the company's debt to equity ratio? (Round your final answer to 2 decimal places.) Multiple Choice 129.29% 45.48% 77.35% 31.87%

Answers

Answer: option c

Explanation: Debt equity ratio is ratio of the total amount of debt due on a company to the total amount of equity invested in it . It is generally used to evaluate the solvency of the company. It is computed as follows :-

[tex]=\:\frac{debt}{equity}[/tex]

[tex]=\:\frac{accounts\:payable+salary\:payable\:+bonds\:payable}{common\:stock\:+retained earnings}[/tex]

[tex]=\:\frac{3150\:+\:7640\:+\:15,400}{18,600\:+15,260}[/tex]

      = 77.35%

Beauty Island Corporation began operations on April 1 by issuing 55,000 shares of $5 par value common stock for cash at $13 per share. In addition, Beauty Island issued 1,000 shares of $1 par value preferred stock for $6 per share. Journalize the issuance of the common and preferred shares.

Answers

Answer:

The journal entry for issue of common shares is as follows :

1. Cash A/c                $715 000            Dr ($55,000×$13)

   To common stock                     $275,000 ($55,000×5)

    To Additional paid up capital  $4,40000 ($55000×8)

The journal entry for issue of Preference shares is as follows :

Cash A/c                $6,000           Dr ($1,000×$6)

   To Preferred  Shares               $1,000 ($1,000×1)

    To Additional paid up capital  $5,0000 ($1,000×5)

Explanation:

Mainly there are two types of shareholders in the company i.e. equity and preference shareholders. The equity shareholders is the shareholders who carry voting right in the company whereas preference shareholders are those who don't have voting right. The shares means a small part in the company which represent the ownership in the company according to their shares percentage. Whereas, stock represent the securities which are listed in stock exchange.

Following information is given in the question:

1. Issue of common shares = 55,000

2.  Par value of common stock = $5

3. Cash for per share = $13

4. Issue of preference shares = 1,000

5.  Par value of preference stock =$1

6. Per share for preference stock = $6

Journal Entry: The journal entry is the first stage to record the debit and credit side. Debit here means the expenditure incurred by the company whereas the Credit shows the income side which adds value to the company profit.

The journal entry for issue of common shares is as follows :

1. Cash A/c                $715 000            Dr ($55,000×$13)

   To common stock                     $275,000 ($55,000×5)

    To Additional paid up capital  $4,40000 ($55000×8)

The journal entry for issue of Preference shares is as follows :

Cash A/c                $6,000           Dr ($1,000×$6)

   To Preferred  Shares               $1,000 ($1,000×1)

    To Additional paid up capital  $5,0000 ($1,000×5)

Note: The remaining amount will be credited to additional paid up capital with remaining balance.

Final answer:

To journalize the issuance of common and preferred shares for Beauty Island Corporation, debit cash and credit common stock and additional paid-in capital for common stock issuance, and debit cash and credit preferred stock and additional paid-in capital for preferred stock issuance. The common stock issuance involves 55,000 shares of $5 par value stock sold at $13 per share, while the preferred stock issuance involves 1,000 shares of $1 par value stock sold at $6 per share.

Explanation:

To journalize the issuance of the common and preferred shares for Beauty Island Corporation, we need to record the transaction in the company's accounting records. Let's start with the common stock issuance:

Debit Cash, $715,000 (55,000 shares x $13 per share)Credit Common Stock, $275,000 (55,000 shares x $5 par value)Credit Additional Paid-in Capital, $440,000 ($715,000 cash received - $275,000 par value)

Now, let's move on to the preferred stock issuance:

Debit Cash, $6,000 (1,000 shares x $6 per share)Credit Preferred Stock, $1,000 (1,000 shares x $1 par value)Credit Additional Paid-in Capital, $5,000 ($6,000 cash received - $1,000 par value)

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A game has an expected value to you of ​$600. It costs ​$600 to​ play, but if you​ win, you receive​ $100,000 (including your ​$600 ​bet) for a net gain of ​$99 comma 400. What is the probability of​ winning?

Answers

Given:

Expected value, E(X)= $600

Net Profit = $99400

Cost of playing once = $600

Solution:

Let the probability of winning be P(X) and that of losing [tex]P(\bar{X})[/tex]

[tex]P(\bar{X})[/tex] = 1 - P(X)

Now expected value, E(X) =  [tex]Profit\times P(X) + loss\timesP(\bar{X}) [/tex]

E(X) = 99400P(X) + (-400)(1 - P(X))

600 = 99400P(X) -400 +400P(X)

P(X) = 0.01

Therefore, the probability of winning is P(X) = 0.01 or 1%

Final answer:

To find the probability of winning a game with an expected value of $600 and a cost to play of $600, we use the expected value formula. The gain from winning is $99,400, leading to a probability of winning of approximately 0.60%.

Explanation:

To calculate the probability of winning, we use the concept of expected value, which is the average amount one can expect to win per game over many plays. Here, the expected value of the game is given as $600, which is also the cost to play. To find the probability of winning, we assume that if you win, there is a net gain of $99,400 ($100,000 - $600 to play). Let's denote the probability of winning as P(win).

The expected value (EV) of the game can be calculated with the formula:

EV = (P(win) × Gain from Winning) - (P(loss) × Cost of Losing)

Since you either win or lose, P(loss) is 1 - P(win) and the Cost of Losing is $600. As the expected value is $600 and the cost of playing is $600:

$600 = (P(win) × $99,400) - ((1 - P(win)) × $600)

By solving for P(win), we find that:

P(win) = $600 / $99,400

P(win) ≈ 0.0060422956 ≈ 0.60%

Thus, the probability of winning the game is approximately 0.60%.

Lewis Brown bought four lots of land for $100,000. On the date of purchase, the lots had the following fair market values:Lot #1$25,000Lot #2$31,250Lot #3$20,625Lot #4$48,125What is the basis to Lewis of Lot #3?

Answers

Answer:

Basis of Lewis of Lot #3 = $16,500

Explanation:

Total of all the lots = $25,000 + $31,250 + $20,625 + $48,125 = $125,000

Since the land is purchased for $100,000

The basis for each dollar = $100,000/$125,000 = $0.8 for each dollar

Thus for Lot #3 basis = $0.8 X $20,625 = $16,500

Note: The basis is calculated so that directly the lot value is not considered as the total cost is only 80% of total lot value.

Basis of Lewis of Lot #3 = $16,500

How will you save money by buying a franchise? 

      A. You're free to make your own decisions regarding finances and investments.  B. Franchises require less investment than new businesses.  C. You can get a volume discount on your products.  D. Your employees will be paid by the corporation..10​

Answers

Answer:

You can get a volume discount on your products.- C.

Answer:

C for pf students

Explanation:

Pf

Martinez Corp. purchased a delivery van with a $57000 list price. The company was given a $5400 cash discount by the dealer, and paid $2600 sales tax. Annual insurance on the van is $1200. As a result of the purchase, by how much will Martinez Corp. increase its van account?

Answers

Final answer:

After purchasing a delivery van, Martinez Corp. will increase its van account by $55,400. This sum includes the net purchase cost, sales tax, and annual insurance.

Explanation:

Martinez Corp. will increase its van account by the net purchase price of the van, additional costs related to the purchase such as sales tax, and any operational costs like insurance. First, we subtract the discount from the list price to get the net purchase price: $57,000 - $5,400 = $51,600. Next, we add the sales tax to the purchase price: $51,600 + $2,600 = $54,200. And finally, we add the annual insurance cost: $54,200 + $1,200 = $55,400.

Therefore, Martinez Corp. will increase its van account by $55,400.

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Most organizations with strong ethical climates usually focus on the core value of placing _____ interests first. customers' employees' stockholders' suppliers' distributors'

Answers

The answer is A. Customers’

Final answer:

Organizations with a strong ethical climate prioritize customers' interests, leading to positive job attitudes and ethical behavior. These companies value fairness, supportiveness, and respect for individual rights, which promotes a culture where people are considered the greatest asset.

Explanation:

Most organizations with strong ethical climates usually focus on the core value of placing customers' interests first. This emphasis on customer-centric values aligns with fostering a set of shared values within the organization, ensuring that employees are encouraged and motivated to treat others the way they would like to be treated themselves. By prioritizing customers' needs and establishing an ethical foundation, companies can enhance job attitudes, behaviors, and overall ethics, leading to a work environment where people are happier, more committed, and demonstrate a stronger attachment to their organization. Moreover, a customer-focused approach contributes to long-term relationships based on ethics and trust, crucial for the sustained success of any business.

People-oriented cultures hold fairness, supportiveness, and respect for individual rights in high regard, and this is exemplified in the way they treat both their employees and customers. Companies that live by the principle that 'people are their greatest asset' create an atmosphere where employees do not feel compelled to choose between work and their personal lives, leading to healthier job attitudes and citizenship behaviors that benefit the organization as a whole. As Heineman (2007) asserts, when behaving ethically becomes part of the company's core values, it is reflected in the company's metrics and overall operations.

Pablo Management has ten part-time employees, each of whom earns $135 per day. They are paid on Fridays for work completed Monday through Friday of the same week. Near year-end, the ten employees worked Monday, December 31, and Wednesday through Friday, January 2, 3, and 4. New Year's Day. (January 1) was an unpaid holiday.
A) Prepare the adjusting entry that would be recorded on Monday, Dec 31.
B) Prepare the journal entry that would be made to record payment of the eployees' wages on Friday Jan 4.

Answers

Final answer:

The adjusting entry on December 31st for Pablo Management would be a debit to Wage Expense for $1,350 and a credit to Wages Payable for $1,350 to account for one day's wages. The journal entry on January 4th would include a debit to Wage Expense for $4,050 and Wages Payable for $1,350, with a credit to Cash for $5,400 to cover the wages for the four days worked, excluding the unpaid holiday.

Explanation:

To answer the student's question regarding the adjusting and journal entries to be made for Pablo Management's employee wages, we must consider the following:

Adjusting Entry on December 31

An adjusting entry is recorded to recognize expenses incurred but not yet paid. Since the employees worked on Monday, December 31st, but not on New Year's Day, we record the wages for one day.

The adjusting entry on December 31 would be:


 Debit Wage Expense: $135 × 10 employees = $1,350
 Credit Wages Payable: $1,350

This reflects the expense incurred for the day worked in December.

Journal Entry on January 4

The journal entry to record the payment of the employees' wages on Friday, January 4th, must account for the four days worked in the week after excluding the unpaid holiday on January 1st.


 Debit Wages Payable: $1,350
 Debit Wage Expense: $135 × 10 employees × 3 days = $4,050
 Credit Cash: $1,350 + $4,050 = $5,400

The total wages paid on January 4 account for both the payable recognized on December 31 and the wages earned from January 2 to January 4.

Suppose Pete was looking for a job for so long that he decided to give up looking for a job altogether. Pete has decided to retire and live with his parents. In the official statistics, Pete would be counted as _______.

Answers

Answer: Marginally - attached worker

Explanation: While calculating the underemployment rate the government usually includes three groups these are : unemployed workers who are actively looking for work; involuntarily part-time workers and marginally attached workers who want and are available to work , but have given up actively looking.

Therefore Pete would lie under the category of marginally attached worker  who want and are available to work , but have given up actively looking.

Given the following information about Elkridge Sporting Goods, Inc., construct a balance sheet for June 30, 2013. On that date the firm had cash and marketable securities of $25,135, accounts receivable of $43,758, inventory of $172,500, net fixed assets of $322,300, and other assets of $13,125. It had accounts payables of $67,855, notes payables of $36,454, long-term debt of $224,300, and common stock of $150,000. How much retained earnings did the firm have?

Answers

Answer:

Retained Earnings = 109,909

Explanation:

[tex]\left[\begin{array}{cccc}cash&25,135&AP&67,855\\AR&43,758&NP&36,454\\inventory&172,500&Long-term&222,300\\fixed \:assets&332,300&Common\: Stock&150,000\\other \: assets&13,125&RE&110,209\\Total Assets&586,818&Total L+E&586,818\\\end{array}\right][/tex]

First

We add all the assets together. 586,818

Then

we add the lliabilities and common stock. 476,909

Finally

We use the accounting equation to solve for RE

Assets = Liab + Equity

586,818 = sum of liab and equity accounts

we know that all the accounts, except RE add to 476,909

586,818 = 476,909 + RE

586,818 - 476,909 = RE

RE = 109,909

Which one of the government actions would most enhance efficiency in a free market, according to most economists? regulating profits to prevent extreme disparities in wealth placing limits on the amount that landlords can increase rent to protect renters identifying and helping industries that are the most important to the ruling party's policies protecting private property Per most economists, which of the possible government activities would not enhance the operation of a free market? defining property rights clearly creating an independent judiciary establishing a minimum wage to guarantee minimum incomes for unskilled workers issuing a patent for a water purifier that prevents anyone but the inventor from producing it

Answers

Final answer:

Protecting private property enhances efficiency in a free market by providing security for investments, whereas establishing a minimum wage might not enhance market operation as it can lead to unemployment and distort labor market signals.

Explanation:

Among the government actions that would most enhance efficiency in a free market, according to most economists, is protecting private property. This action provides a foundational element for market activities because it ensures that individuals can securely own and invest in assets, which in turn, solidifies the incentives to engage in economic activities. Conversely, of the options listed, establishing a minimum wage is the action that might not enhance the operation of a free market, as it can create a price floor above the equilibrium wage, potentially leading to a surplus of labor (unemployment), and distortion of market signals for labor.

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