bank of poulsbo is advertising an apr of 8.3% with daily compounding. determine the equivalent apr if the bank were to change its compounding from daily to quarterly.

If the current balance is $7,400 and it is compounded monthly over 4 years, then the initial deposit was $6061.13

After t years, the amount of a principal if it is compounded n times a year is given by the future value formula:

FV = PV (1 + r/n)^(nt)

Where: r = annual interest rate

t = number of years.

From the problem:

n = 12

t = 4

Hence,

n.t = 12 . 4 = 48

r = 5%

r/n = 0.05/12 = 0.004167

FV = 7,400

Plug all the parameters into the formula:

7400 = PV (1 + 0.004167)⁴⁸

PV = 6061.13

Hence, the initial deposit was $6061.13

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In the scenario where Zayn boards the metro to ride, gives his money to the driver and takes his seat whereas, neither the driver nor Zayn says anything, the act of acceptance between Zayn and the bus driver has created an implied contract.

Basically, a contract is divided into an expressed and implied contract. An implied contract is the one with an obligation that derives from actions or conduct of one or more parties in an agreement.

In most case, an implied contract has the same legal force as an express contract because both are contract that is voluntarily entered into and agreed on verbally or in writing by two or more parties.

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The segmentation approach used by Sven is needs-based segmentation strategy.

The best marketing of some product or services begins with a focus on segmentation. Different groups of customers have different needs and therefore the company or sales need to be targeted with a specific marketing plan. So that, segmentation is a vital component of any successful marketing strategy.

Segmentation can be approached in three main ways, there are firmographic, behavioral, and needs-based segmentation strategy.

Firmographic segmentation can be defined as a grouping customers by aspects such as age, gender, company size, industry vertical, income and location.

Behavioral segmentation can be defined as a strategy that takes things up a notch, identifying how customers act and grouping them this way.

Thirdly, a needs-based approach can be defined as the best and most effective way of segmenting customers that identify specific customer needs, allowing products and services, and also marketing communications.

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According to maximum economics textbooks, our wages and salaries are decided similar to another price: with the aid of using deliver and call for. People deliver their labor, and organizations call for it, growing a marketplace for labor.

Many dealers and shoppers of exertions services. Consequently, salary and salaries are decided by the intersection of the call for exertions and the deliver for exertions. A curve displaying the one-of-a-kind portions of exertions employers are inclined to lease at one-of-a-kind salary quotes in a given time period, ceteris paribus.

Wages are determined via way of means of deliver and demand, however they may be encouraged via way of means of an extensive kind of factors, along with the price of dwelling in a selected area, the presence of a union and the present-day minimal wage.

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'The coordinated management of meaning theory has a reputation of being a confusing mix of ideas that are hard to pin down because they're expressed in convoluted language.\

coordinated management  helps us understand how individuals create, modulate, and manage meaning in their communication processes. In general, it refers to ``how individuals make rules for the creation and interpretation of meaning, and how those rules are intertwined in a conversation in which meaning is constantly adjusted''. Communication is seen as a flexible, open, and modifiable process that evolves in ongoing shared interactions that mutually enable movement, change, and evolving pathways. CMM embodies this vision, fostering interpersonal relationships and open conversation. It can be applied to multiple disciplines and social scenarios, across individuals or groups.

Against this background, the definition of  coordinated management was a challenge. However, some commonly agreed CMM definitions are: It is a "multi-level structural theory in which rules describe movements or links between meaning and behavior between two interpersonal component systems".

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If the company just paid a dividend of $3.20 per share on its stock and the investors require a return of 10.5% on stock, then the current price is equal to $51.2. The price in 3 years will be $57.54 and the price in 15 years will be $92.15.

If the rlx company just paid a dividend of $3.20 per share on its stock, then the current price can be determined by using the following formula;

Current price =  Dividend ÷ (return % - change %)

Dividend can be calculated as follows;

D = 3.20 (1+0.04) = 3.20 (1.04) = 3.328

Substituting this value in the above formula;

Current price = 3.328 ÷ (0.105 - 0.04)

Current price =  3.328 ÷ 0.065 = $51.2

Now we calculate the price in the 3 years as follows;

3.328 (1+0.04)^3 = 3.74

Price (3 years) = 3.74 ÷ (0.105 - 0.04)

Price (3 years) = 3.74 ÷ 0.065

Price (3 years) =  $57.54

Similarly, we can determine the price in 15 years as follows;

3.328 (1 + 0.04)^15 = 5.99

Price (15 years) = 5.99 ÷ (0.105 - 0.04)

Price (15 years) = 5.99 ÷ 0.065

Price (15 years) = $92.15

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The owner can expect her operating costs to be $204,080 if occupancy falls to ​55%.

The operating cost computation is:

Operating cost if occupancy falls to 55%

Cost on (800 × 90%)

= 720 units is $220,040

Cost on (800 × 80%)

= 640 Units is $215,480

Variable cost/unit = (Change in the total cost) ÷ (the High activity - the Low activity)

= ($220,040 - $$215,480) ÷ (720 - 640)

= 4,560 ÷ 80

= 57/unit

The Fixed cost = The Total cost - The Variable cost

= $220,040 - (720 × 57)

= $179,000

Cost equation: Total cost = Fixed cost + Variable cost per unit

Y = $179,000 + 57X

Y = $1790,00 + (57 × 440)

Y = $204,080

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The complete question is:

Lakeview Apartments is an 800​-unit apartment complex. When the apartments are​ 90% occupied, monthly operating costs total $ 220 comma 040. When occupancy dips to​ 80%, monthly operating costs fall to $ 215 comma 480. The owner of the apartment complex is worried because many of the apartment residents work at a nearby manufacturing plant that has just announced it will close in three months. The apartment owner fears that occupancy of her apartments will drop to 55​% if residents lose their jobs and move away. Assuming the same relevant​ range, what can the owner expect her operating costs to be if occupancy falls to 55​%?

Debit Interest Receivable, 3,360; credit Interest

Revenue, $3,360. ($112,000 0.09 4/12 = $3,360)

A contract between a lender and a borrower is the standard definition of credit. In addition, the term "credit" can refer to someone's or a company's creditworthiness or credit history. A credit in accounting could result in a drop in assets, a rise in liabilities, a reduction in costs, or a gain in income. Credit accounts come in three flavors: revolving, installment, and open. Revolving credit, one of the most popular forms of credit accounts, is a line of credit that you can borrow from at any time, but there is a ceiling, known as a credit limit, on how much can be spent at one time. If a bank account, for example, has a debit balance, that means that more money has been taken out of it than was initially paid in: His account had been debited due to these activities. debit.

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Four important elements can contribute to profitability. Costs are coming down, turnover is going up, production is going up, and efficiency is going up.

1. Limit additional payroll costs- Increase

2. Find the best advertising prices- Increase

3. Modify the offering you make- decrease

4. Make good use of resources- Increase

5. Outperform the opposition- Increase

6. Find the most affordable supplier prices- Increase

7. Discontinue a few free services - No effects

8. Boost personnel effectiveness- Increase

Profit is the term used to describe the financial gain experienced when the revenue from a commercial activity exceeds the costs, costs, and taxes associated with maintaining that activity.

In accounting, a profit is an income that is given to the owner throughout a successful market producing process. Profitability, which is the owner's primary interest in the income-formation process of market production, is measured by profit. There are various profit metrics that are frequently used.

Profitability may be boosted in four important areas. Costs are being cut, turnover is rising, productivity is up, and efficiency is up. You can also diversify into new market segments or create brand-new goods or services.

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1. The value of price elasticity of demand if there's a 10% increase in price leads to a 40% decrease in quantity demanded is 4

2. The cause of the demand for a good or service inelastic is "Being a large share of the consumer's budget". option D

3. If the price elasticity of demand is equal to 0.5, is demand to be "inelastic".

4. The perfectly elastic supply curve is horizontal.

5. The price elasticity of supply which will lead to a smaller increase in quantity when price changes is inelastic.

Price elasticity of demand = % change in demand / % change in price

= 40% / 10%

= 0.4 / 0.1

= 4

Inelastic demand refers to a situation in which consumers demand for goods and services does have a proportional change with a change in price.

A perfectly elastic supply curve is the curve in which the supply curve is horizontal.

In conclusion, the price elasticity of demand is the best degree of responsiveness of demand to a change in price.

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The population in 2012 would be 3,960,000. The crude net migration rate is the number of people leaving the country per 1,000 people. This means that for every 1,000 people in Puerto Rico in 2010, 10 people left the country.

What is population?
A population is the entire set of individuals, if that group is a nation or a group of people who share a characteristic. A population in statistics is the group of people from whom a statistical sample is drawn for a study. As a result, any group of people who share a characteristic can be called a population. A sample can also refer to a statistically meaningful subset of a population, rather than the entire population. As a result, a statistical analysis of a sample must document the estimated standard deviation, or standard deviation, of its overall population results. Only a population-wide analysis had no standard error.

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Sharp increases in the national debt are typically generated by tax cuts, stimulus plans, higher government expenditure, and less tax collection due to high unemployment.

How would the economy be impacted by a rise in the national debt?

Workers would have fewer tools at their disposal to do their jobs, which would lead to poorer productivity and, ultimately, lower earnings, if high levels of debt prevent private investments in capital goods.

What occurs when the country's debt increases?

The United States is viewed as a greater global credit risk when the level of the national debt rises. In times of increased international pressure, this may have an effect on the U.S.'s capacity to borrow money and put us at risk of being unable to fulfill our promises to our allies, particularly during times of war.

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The net income for the year is: $88,300

Revenues $199,000 − Expenses $110,700 = Net Income $88,300

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Answer:

Should be $50,000!

1,000,000 - 600,000 - 200,000 - 150,000 = 50,000

According to the expectations theory of the time system of interest rates, the yields on financial assets of varying adulthoods are primarily related to market expectations of future yields.

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Depreciation expense should be recorded to recognize the use of and benefit received from long-lived assets, such as equipment, during the accounting period. Companies are required by accounting regulations to depreciate these assets throughout the course of their useful lives.

As a result, the businesses must record accumulated depreciation, which is the total amount of depreciation expense recorded over an asset's lifetime. Expenses that are paid in cash and recorded as assets before they are utilized or consumed are known as accounting prepaid expenses. Once purchased, the cost of a long-lasting asset is typically amortized  over the asset's anticipated useful life.

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Based on the cash flows of the two mutually exclusive projects by the Bahamas Recreation Cooperation, the project that should be chosen based on the Net Present Value approach is the Deeper Fishing project.

The Net Present Value shows the present value of the cash inflows from a project less the present value of the cash outflows and initial investment.

The Net Present Value for the Deeper Fishing project is:

= -1,010,000 + 430,000 / 1.18 + 558,000 / 1.18² + 480,000 / 1.18³

= $47,296.51

The Net Present Value for New Submarine is:

= -1,970,000 + 1,020,000 / 1.18 + 860,000 / 1.18² + 870,000 / 1.18³

= $41,554.25

The company should therefore go with the Deeper Fishing project.

Rest of the question is:

Based on the NPV, which project should you choose?

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The principle of substitution is most centrally used in appraisal in the cost approach.

What is the principle of substitution?

The principle of substitution states that the upper limit of value tends to be set by the cost of acquiring an equally desirable substitute, assuming no untimely delays. It is an economic term used in real estate. A wise investor will not pay no more for an income-producing property than it would cost to build or purchase a similar property.

The cost approach in appraisal uses the principle of substitution. When developing the cost approach, the appraiser considers both the direct cost and indirect cost of a building

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The cost of permanently maintaining the $10 million reserve that is the present value of the additional taxes that Safeco will pay is -$2.1 million.

The present value will remain negative as long as the interest rate remains positive. (Interest rates are without exception always positive).

It can be defined as the current value of future or upcoming cash flows of an investment.

The present value which in this problem represents the cost of permanently maintaining the $10 million reserve can be determined using the formula;

PV = Tc × D

Here,

D = -$10 million (negative debt)

Tc = 21% = 21 ÷ 100 = 0.21

PV = 0.21 (-10 million) = -2100000 = -2.1 million

This is the present value of the additional taxes that Safeco will pay.

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The arithmetic average return is  6.25 percent and the geometric average return is 5.89 percent

The arithmetic average return can be determined by adding the stock returns together and dividing it by the total annual returns that is provided.

Arithmetic average return = sum of returns / total number of returns

(4 + 9 - 6 + 18) / 4

= 25 / 4 = 6.25 percent

The geometric average return is used to determine the compound growth rate.

Geometric average return= [(1 + return) x (1 + return) x (1 + return) + (1 + return)]^(1/n) -  

Where:

n = number of returns provided

[(1.04) x (1.09) x (0.94) x (1.18)]^(1/4) - 1 = 0.0589 = 5.89%

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What a company's customer service department do is: B. Interact with customers after they have purchased the product.

Customer service can be defined as the process of responding to customers inquires and developing a rapport with customers which in turn can help to increase a company customer base.

Customer service department must tend to often interact with their customers after a customer buy their product so as to know whether the customer is satisfy with the product and this can as well enables  the customer to continue patronizing the company products.

Therefore what a company's customer service department do is: B. Interact with customers after they have purchased the product.

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The line item on the balance sheet that shows the value of a company's assets that are cash or can be instantly turned into cash is referred to as "cash and cash equivalents."

Bank accounts and marketable securities, or debt securities with maturities of fewer than 90 days, are examples of cash equivalents. The cash and equivalents do not include investments in liquid securities like stocks, bonds, and balance sheet. Such assets are omitted even though it is simple to convert them into cash (usually with a three-day settlement period). On the balance sheet, the assets are shown as the investments.

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An independent project does not rely on the acceptance or rejection of another project.

A project that's not a part of or passionate about the other project. Thus, the funding of an associate degree freelance project doesn't depend upon another project receiving funding first. Independent (sometimes known as stand-alone) comes are any set of projects during which selecting one has no impact on our call to decide on another project from that set.

For example, McBurger Inc. might have subsequent capital budgeting projects to consider. the primary may be a new deep preparation system for his or her french fries. The distinction between reciprocally exclusive and independent events is: a mutually exclusive event will merely be outlined as a state of affairs once 2 events cannot occur at the same time whereas a freelance event happens once one event remains unaffected by the prevalence of the opposite event.

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The Lanham act (also known as the trademark act) is used as a trademark, the penalties associated with trademark infringement, and the process for obtaining a trademark. So the statement above is true.

The Lanham Act (also known as the Trademark Act of 1946) can be defined as the federal statute that governs trademarks, service marks, and unfair competition. The Lanham Act was passed by Congress on July 5, 1946, and signed into law by President Harry Truman. The Lanham Act is named for Representative Fritz G. Lanham of Texas. It is protects intellectual property against such as trademark infringement, unfair competition, trademark dilution, and false advertising.

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When  the consumer demand for new homes increases, lumber, concrete, which makes a steel suppliers to experience an increase in demand for their products, this is an example of a derived demand.

Basically, in economics, a demand refers to the quantity of a good that consumers are willing and able to purchase at various prices during a given time.

Under the demand topic, a derived demand means the demand for a good or service that results from the demand for a different or related, good or service. It is mainly related to the demand placed on a product or service for its ability to acquire or produce another good or service.

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When 20 units of the end item are to be assembled, the additional units that are needed is 138 units.

Material requirements planning (MRP) is a tool for inventory and purchase planning that determines the amount of dependent demand items such as raw materials, components, and subassemblies required to make a finished commodity in accordance with its demand-driven production schedule.

E depends on the B, C & D and B, C & D depends on End Item.

To assemble the 20 units of End Item.

Net Requirement of B = 20*2 - 10 (On Hand) = 40 - 10 = 30 units

Net Requirement of C = 20*1 - 10 = 20 - 10 = 10 units

Net Requirement of D = 20*3 - 25 = 60 - 25 = 35 units

Now,

Net Requirement of E = B*2 + C*2 + D*2 - On Hand

Net Requirement of E = 30*2 + 10*2 + 35*2 - 12

Net Requirement of E = 60 + 20 + 70 - 12 = 138 units

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Based on the journal entries numbered 1 through 12, the best explanations for the activity in the journal entry is:

Journal entries are done to show the different transactions in a business. The explanations part of the journal entry shows why the accounts being debited are being debited, and why those being credited are credited.

When prepaid expenses are credited then it means that the expense have been recognized for the period. When cash is credited for salaries payable, then those salaries are being paid for. Cash credit for prepaid rent means that a payment is being made before it is due.

Salaries Payable being credited means that the company owes and accrued expense (salaries) and interest revenue credit records revenue to be accrued. Unearned professional fees are credited if a company receives revenue before earning it.

Prepaid rent is then credited if there is a need to recognize the prepaid rent in the current period and accumulated depreciation is credited when an asset is depreciated in the period.

The rest of the question is:

Journal Entries

Insurance Expense 1,900

Prepaid Insurance 1,900

Salaries Payable 3,900

Cash 3,900

Prepaid Rent 3,200

Cash 3,200

Salaries Expense 4,900

Salaries Payable 4,900

Interest Receivable 1,900

Interest Revenue 1,900

Cash 3,900

Accounts Receivable (from consulting) 3,900

Cash 5,900

Unearned Professional Fees 5,900

Cash 4,300

Interest Receivable 4,300

Rent Expense 8,000

Prepaid Rent 8,000

Interest Expense 6,300

Interest Payable 6,300

Depreciation Expense 1,300

Accumulated Depreciation 1,300

Unearned Professional Fees 1,900

Professional Fees Earned 1,900

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If the  budgeted customer support cost for liton company is $100,000 for the year and budgeted technician miles is 1,000 per year. liton company’s customer support activity rate is $100 per mile.

Using this formula

Activity rate per mile =Budgeted customer support cost / Budgeted technician miles

Let plug in the formula

Activity rate per mile =  $100,000 / 1,000 miles per year

Activity rate per mile = $100

Therefore If the  budgeted customer support cost for liton company is $100,000 for the year and budgeted technician miles is 1,000 per year. liton company’s customer support activity rate is $100 per mile.

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The higher the bond's risk of default, the higher the market rate. The average default risk premium varies over time, and it tends to get larger when the economy is weaker and borrowers are more likely to have a hard time paying off their debts.

Most time, a loan default occurs when a borrower fails to pay back a debt according to the initial arrangement. In consumer loans case, this loan default means that successive payments have been missed over the course of weeks or months.

But fortunately, both the lenders &  loan servicers usually allow a grace period before penalizing the borrower after missing one payment. In conclusion, such period between missing a loan payment and having the loan default is known as delinquency.

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In most case, a company with a high ratio of fixed costs:

In accounting, a fixed cost means the cost that does not change with an increase/decrease in the number of goods or services produced or sold. This costs are expenses that have to be paid by a company while been independent of any specific business activities. It is always an indirect cost as they don't apply to a company's production of any goods or services.

In most case, a firm with a high proportion of fixed costs have high operating leverage. For instance, the firm that produce computer processors tend to make large investments in production facilities and equipment and therefore have a cost structure with high fixed costs..

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