Homeowners insurance typically covers the home itself, personal property, and loss of use. But it does not cover the view from the home. So, the correct option is "Your view".
The view from a domestic isn't secured by Homeowners insurance since it isn't seen as a physical asset that can be insured.
The cost of repairs or substitution will not be secured by Homeowner's protections, if the house is harmed or destroyed by a secured event, such as a fire or surge. According to the perspective, they seem to have been able to get supplemental protections, but usually as a rule not secured by a conventional homeowner's security policy.
To understand what is and isn't covered, it is vital to carefully examine the Homeowner's insurance policy.
Learn more about Homeowners insurance, here:
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If the money wage rate increased from $40.00 to 45.24 and hour and consumer prices rose by 16%, we would expect _______ people to try to find a job and employed people to want to work _______ hours.a. more; longer.b. the same number of; the same number of O c. fewer, shorter.d. fewer; longer would.The____O_____. a. quantity of labor supplied; decrease.b. quantity of labor supplied; increase.c. supply of labor; decrease.d. supply of labor, increase.
Answer:
If the money wage rate increased from $40.00 to 45.24 and hour and consumer prices rose by 16%, we would expect _______ people to try to find a job and employed people to want to work _______ hours.
a. more; longer.
The____ would _____.
b. quantity of labor supplied; increase.
Explanation:
Generally, when wage rates increase, this will led to an increase in the inflation rate. The problem is what happens if wages increase less than the inflation rate. This means that real wages will actually decrease once we adjust them to inflation. This will cause more people trying to get a job or working longer hours just to be able to pay for the same amount of goods as before.
In this example, the wage rate increased by 13.1%, but the inflation rate increased by 16%, so real wages decreased.
Taunton's is an all-equity firm that has 155,500 shares of stock outstanding. The CFO is considering borrowing $287,000 at 7 percent interest to repurchase 24,500 shares. Ignoring taxes, what is the value of the firm?
a- 1,821,571
b- 1,908,313
c- 2,081,796
d-2,241,934
e- 2,354,031
Answer:
a. 1,821,571
Explanation:
Repurchase of shares = 24,500 shares
Share price per share = $287,000/24,500 = $11.7143
Value of the firm = 155,500*11.7143 = $1,821,571
On January 1, a store had inventory of $48,000. January purchases were $46,000 and January sales were $95,000. On February 1 a fire destroyed most of the inventory. The rate of gross profit was 25% of cost. Merchandise with a selling price of $5,000 remained undamaged after the fire.
A.) Compute the amount of the fire loss, assuming the store had no insurance coverage. Label all figures.
B.) Prepare any journal entries necessary to reconcile inventory.
Answer and Explanation:
a. The computation of the amount of fire loss is as follows:
Fire loss = Beginning inventory + January Purchase - Cost of sale - Cost of undamaged inventory
Where,
Cost of sale = $95,000 ÷ 125% = $76,000
And cost of undamaged inventory = $5,000 ÷ 125% = $4,000
Now place the above value
So,
Fire loss is
= $48,000 + $46,000 - $76,000 - $4,000
= $14,000
b. The journal entry is
Loss on sale of fire $14,000
To Inventory $14,000
(Being the loss on sale of fire is recorded)
Here the loss on sale of fire is debited as it increased the losses and credited the inventory as it reduced the assets
If fixed costs are $300,000, the unit selling price is $25, and the unit variable costs are $20, what is the break-even sales (units) if the variable costs are decreased by $2?
a. 42,857 units
b. 17,143 units
c. 60,000 units
d. 100,000 units
Answer:
a. 42,857 units
Explanation:
Given that;
Fixed cost = $300,000
Unit Variable cost = $20
Since the variable costs are decreased by $2.
Then unit variable cost would be
= $20 - $2
= $18
Break even sales (units) is computed as;
= Fixed cost / Contribution margin
= $300,000 / [$25 -$18]
= $300,000 / $7
= 42,857 units
A new company has inventory data for an item purchased during the year. The year-end ending inventory is 1,000 units. Using the periodic system, average cost method, what is the cost of the merchandise inventory at year-end? The purchase activity is as follows:
Date No. of Items Purchased Cost/Unit Total Cost
Jan. 16 800 $7.00 $ 5,600
Mar. 18 2,200 $8.00 17,600
Nov. 23 2,000 $9.00 18,000
Total 5,000 $41,200
Answer:
$8,240
Explanation:
The computation of the ending inventory using the average cost method under a periodic system is shown below:
But before that first determine the weighted average cost per unit which is
The Weighted average cost per unit
= $41,200 ÷ 5,000 units
= $8.24 per unit
Now the ending inventory is
= 1,000 units × $8.24 per unit
= $8,240
Henri earned a salary of $50,000 in 2001 and $70,000 in 2006. The consumer price index was 177 in 2001 and 265.5 in 2006. Henri's 2001 salary in 2006 dollars is:______
a. $35,000.00.
b. $46,666.67.
c. $105,000.00.
d. $61,950.00
Answer:
$46,666.67
Explanation:
Henri earned a salary of $50,000 in 2001
He earned $70,000 in 2006
The consumer price index in 2001 was 177 and in 2006 was 265.5
Therefore his salary in 2001 can be calculated as follows
= 70,000/265.5 × 177
= 263.65 × 177
= 46,666.67
Taxable Equivalent Yield What's the taxable equivalent yield on a municipal bond with a yield to maturity of 4.25 percent for an investor in the 28 percent marginal tax bracket? (Round your answer to 2 decimal places.)
Answer: 5.90%
Explanation:
From the question, we are informed that we should calculate a taxable equivalent yield on a municipal bond with a yield to maturity of 4.25 percent for an investor in the 28 percent marginal tax bracket. This will be:
Taxable equivalent yield = Tax free municipal bond yield / 1 - Tax rate
= 4.25% / (1 - 28%)
= 0.0425 / (1 - 0.28)
= 0.0425 / 0.72
= 0.0590278
= 5.90%
On October 1, 2021, Oberley Corporation loans one of its employees $40,000 and accepts a 12-month, 9% note receivable. Calculate the amount of interest revenue Oberley will recognize in 2021 and 2022.
Answer: Oberley Corporation will recognize in 2021 and 2022 are $900 and $2,700 respectively
Explanation:
Interest Revenue for 2021
= Principal x rate x time
$40,000 x 9% x 3 / 12 ( This is from October to December 31st year end of 2021)
=$900
Interest Revenue for 2022
= Principal x rate x time
$40,000 x 9% x 9 / 12 ( This is from January 1st of 2022 to Octobner 1st , 2022)
=$2,700
Therefore, Interest Revenue Oberley Corporation will recognize in 2021 and 2022 are $900 and $2,700 respectively.
Over the next three years, Distant Groves wl pay annual dividends of $.65, S.70, and $.75 a share, respectively. After that, dividends are projected to Increase by 2 percent per year. What is one share of this stock worth today at a required return of 14.5 percent?
a) $5.49
b) $5.94
c) $5.68
d) $5.55
e) $5.86
Answer:
c) $5.68
Explanation:
The worth of this stock today is the present value of the future dividends which is computed by discounting future dividends as well as the terminal value using the required rate of return of 14.5% as the appropriate discount rate as shown thus:
Year 1 dividend=$.65
Year 2 dividend=$0.70
Year 3 dividend=$0.75
terminal value of dividends=Year 3 dividend*(1+g)/Ke-g
g=dividend terminal growth rate=2%
Ke=required rate of return=14.5%
terminal value of dividends=$0.75*(1+2%)/(14.5%-2%)=$ 6.12
Share price=$.65/(1+14.5%)^1+$.70/(1+14.5%)^2+$.75/(1+14.5%)^3+$6.12/(1+14.5%)^3
share price=$5.68
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Answer:
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compare and contract between Sear's STORE and Aldi's STORE
Suppose the interest rate on your car loan is 15.00 percent and the inflation rate is 14.00 percent. Calculate the real interest rate.
Answer:Real Interest rate= 1%
Explanation:
Real interest rate is an adjusted rate of interest in which the effects of inflation has been removed. For an investor, real interest rate can allow for real yield of fund and for the borrower, the real cost of the fund after the maturity dates. Also, depending on the volatility ( variations ) in inflation real interest rate also can pose a risk or certainty to both parties.
Using the Fisher equation,
Real Interest rate = Nominal interest rate - the actual inflation rate.
= 15.00 % - 14.00%
= 1%
why banks exist as financial intermediaries.
Answer:
Banks act as financial intermediaries because they stand between savers and borrowers. Savers place deposits with banks, and then receive interest payments and withdraw money. Borrowers receive loans from banks and repay the loans with interest.
Explanation:
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what is the SELF DETERMINATION THEORY?
Explanation:
Self-determination theory (SDT) is a macro theory of human motivation and personality that concerns people's inherent growth tendencies and innate psychological needs.
Answer:
HiiiHERE'S YOUR ANSWERExplanation:
Self-determination theory is a psychological framework for understanding human motivation. It was developed by psychologists Richard Ryan and Edward Deci and grew out of research on intrinsic motivation, or the internal desire to do something for its own sake, not for an external reward. Self-determination theory states that people are driven by three basic psychological needs: autonomy, competence, and relatedness.
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Judy's Boutique just paid an annual dividend of $2.59 on its common stock. The firm increases its dividend by 3.35 percent annually. What is the company's cost of equity if the current stock price is $39.40 per share?
Answer:
$29.00
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Tasty Subs acquired a delivery truck on October 1, 2021, for $22,500. The company estimates a residual value of $2,700 and a six-year service life. Required: Calculate depreciation expense using the straight-line method for 2021 and 2022, assuming a December 31 year-end.
Answer: Depreciation expense for 2021 = $825
Depreciation expense for 2022 =$3, 300
Explanation:
Using Straight line depreciation
We have that our Annual depreciation= Purchase price - salvage value / useful life.
$22,500 - $2,700 / 6
=19,800/6
$3, 300
Depreciation expense for 2021 ( from October to December )
$3,300 x 3/ 12= $9,900/12
=$825
Depreciation expense for 2022 ( From January to December)
Annual Depreciation = $3,300
Accounts receivable has a $2,300 balance, and the Allowance for doubtful accounts has a $200 credit balance. An $80 account receivable is written off. The net book value of receivables on the balance sheet after the write-off equals ______.
Answer:
$40
Explanation:
The netbook value of receivable is calculated as
= Account receive balance + Allowance for doubtful account
Suppose that Tyler is an entrepreneur. He works as an economic consultant and because of his quick wit, mastery of economics, and dashing good-looks, Tyler is offered a position that pays $7,000 per month. Tyler declines this offer because he thinks it is less than a normal profit. What does this mean? A) Tyler's dad worked as an economic consultant during the 1980s and earned a higher salary then (controlling for inflation). A normal profit implies that the incomes of people in similar industries should be similar over time. B) Tyler would have to give up the chance to earn more than $7,000 if he were to o accept this position. A normal profit refers to the profit that an entrepreneur can expect to earn in other business opportunities. C) Tyler's wife works as a legal consultant and she is paid more than $7,000 per month. A normal profit implies that consultants in all industries earn the same amount. D) Egnomists aren't normal and don't like earning money in the same way that other people do. E) Tyler's friend works in Europe as an economic consultant and earns a higher salary. The $7,000 per month must be less than a normal profit if European consultants are being paid more.
Answer:
B) Tyler would have to give up the chance to earn more than $7,000 if he were to accept this position. A normal profit refers to the profit that an entrepreneur can expect to earn in other business opportunities.
Explanation:
Since in the question it is mentioned that Tyler is an entrepreneur and works as a consultant of economics. As taylor offered a position where he received $7,000 per month but he declines it as he knows that he can earn above $7,000 so he should give him a chance to earn above $7,000.
But in this case if he accept that he will get a lower of normal profit so he should look other business opportunities in order to earn more than $7,000
Therefore the correct option is b.
Which trade bloc was created to encourage free trade and economiccooperation between Canada, Mexico, and the United States?
A. CAFTA-DR
B. NAFTA
C. ASEAN
D. The EU
Answer:
B. NAFTA
Explanation:
North American Free Trade Agreement (NAFTA) is a regional agreement between the Government of Canada, the Government of the United Mexican States, and the Government of the United States of America that created a free trade zone.
NAFTA administers the mechanisms stipulated in the Treaty to resolve commercial disputes between national industries or the governments of the party countries in a timely and impartial manner.
Answer:
B. NAFTA
Explanation:
Just got it right!
On January 1, 1997, an investment account is worth 100,000. On April 1, 1997, the value has increased to 103,000 and 8,000 is withdrawn. On January 1, 1999, the account is worth 103,992. Assuming a dollar weighted method for 1997 and a time weighted method for 1998, the annual effective interest rate was equal to x for both 1997 and 1998.Calculate x.(A) 6.0% (B) 6.25% (C) 6.50% (D) 6.75% (E) 7.0%
Answer:
(B) 6.25%
Explanation:
January 1, 1997 = $100,000
April 1. 1997 = $103,000 - $8,000 = $95,000
January 1, 1999 = $103,992
annual interest rate for 1997 = i = (x - 100,000 + 8,000) / [100,000 - 8,000(1 - ³/₁₂) = (x - 100,000 + 8,000) / [100,000 - 8,000(1 - 0.25) = (x - 92,000) / 94,000
x = 92,000 + 94,000i
annual interest rate for 1998 = 1 + i = 103,992/x
x = 103,992/(1 + i)
0 = x(1 + i) - 103,992
now we replace x by 92,000 + 94,000i
0 = (92,000 + 94,000i)(1 + i) - 103,992
0 = (94,000 (1 + i) - 2,000)(1 + i) - 103,992
we now replace 1 + i by Y
0 = (94,000Y - 2,000)Y - 103,992
0 = 94,000Y² - 2,000Y - 103,992
using a calculator, Y = 6.25%
On November 1, Mcgonagall borrowed from Dumbledore, giving him a $12,000, 3 month, 9% note, interest payable at maturity. Mcgonagall made no entry after November 1.
On December 31, the end of the accounting period, what entry would Mcgonagall make?
A. Interest Payable 180
Interest Expense 180
B. Interest Expense 180
Interest Payable 180
C. Interest Expense 180
Cash 180
D. Interest Payable 180
Discount on Notes Payable 180
Answer:
B) Interest Expense 180
Interest Payable 180
Explanation:
Based on the information given we were told that On November 1, Mcgonagall borrowed from Dumbledore which includes the amount of $12,000, as well as 3 month, and 9% note in a situation where the interest is payable at maturity and Mcgonagall made no entry after November 1 which means that On December 31, which is the end of the accounting period the Journal entry that Mcgonagall would make will be :
Dr Interest Expense 180
Cr Interest Payable 180
($12,000 x 9% x 2/12 )
In a closed economy, what remains after paying for consumption and government purchases is:________
a. public saving.
b. private saving.
c. national disposable income.
d. national saving.
Answer: d. national saving.
Explanation:
In a closed economy, GDP is calculated by adding Consumption, Investment and Government purchases. The investment in this instance can be thought of as National Saving.
National saving is the difference between the income in the country and the consumption and government purchases. It represent what households and the government save up from their income sources which can be used for investment.
Given the following:
Number purchased Cost per Unit Total
January 1 inventory 40 $4 $160
April 1 60 7 420
June 1 50 8 400
November 1 55 9 495
205 1,475
a. Calculate the cost of ending inventory using the weighted-average method (ending inventory shows 61 units). (Round the "average unit cost" and final answer to the nearest cent.)
Cost of ending inventory
b. Calculate the cost of goods sold using the weighted-average method. (Round your intermediate calculations and final answer to the nearest cent.)
Cost of goods sold
Answer:
a) The cost of ending inventory using the weighted-average method is:
$439.20
b) The cost of goods sold using the weighted-average method is:
$10,36.80
Explanation:
a) Data and Calculations:
Number purchased Cost per Unit Total
January 1 inventory 40 $4 $160
April 1 60 7 420
June 1 50 8 400
November 1 55 9 495
Total 205 $1,475
Weighted-average cost per unit = $1,475/205 = $7.20
Ending inventory = 61 units * $7.20 = $439.20
Cost of goods sold = 144 units * $7.20 = $10,36.80
b) The weighted-average method allocates the cost of inventory and the cost of goods sold using an average that is based on the total cost of goods available for sale (beginning inventory plus purchases) divided by the total units available for sale.
If you have 1-year rate is 8%, 2-year rate is 9%, and 3-year rate is 10%. Assume that the pure expectations theory for the term structure of interest rates holds, no liquidity or maturity premium exists. What is implied 1 year rate 2 year from now?
a. 9%
b. 10%
c. 11%
d. 12%
Answer:
1 year rate 2 year from now = 12% (Approx)
Explanation:
Given:
1-year rate = 8%
2-year rate = 9%
3-year rate = 10%
Computation:
According to Pure Expectations Hypothesis,
(1 + 3-year rate)³ = (1 + 2-year rate)² (1 + 1 year rate 2 year from now)
(1.10)³ = (1 + 1.09)²(1 + 1 year rate 2 year from now)
1.331 = 1.1881 (1 + 1 year rate 2 year from now)
(1 + 1 year rate 2 year from now) = 1.12
1 year rate 2 year from now = 0.12
1 year rate 2 year from now = 12% (Approx)
I am writing to respond to a problem I am becoming increasingly aware of. I cannot help but notice the growing lack of motivation among many of my fellow students. Being one of a few who bothers to try for (and achieve) A's in my classes, I am sometimes regarded as an outsider.
My message to these students is this (and you know who you are): grow up. You are being provided with a free education and you are lucky to get it. Since you are not taking advantage of this, you don't really deserve it. Your parents, your friends' parents and your neighbors all have to dish out hard-earned money to your town government, which in turn has to struggle to find a way to pay for your education, along with all of the other needs of the town. Still, you abuse the system by flunking your exams, not doing your homework, and subjecting your teacher to both verbal abuse and the difficult task of putting up with you.
You obviously aren't going to achieve anything with your life when you graduate, considering that few colleges accept students with grade point averages of zero, so you might as well stop acting like a lazy slob and begin to work at being something. You are being provided with the tools for success but you aren't using them.
It is possible to get A's on your report card and have fun too. Some of us actually survive the day without once threatening a teacher. There are students with some disabilities who manage good marks, but this is possible only because they try. You are obviously in a more advantageous situation than these students, so why is it you're not doing the same?
It takes just as much effort to hide that report card from your parents as it does to open up your textbook and read the script within. It's better to worry about how you can improve your test scores than to have to worry about how you can alter them to make it appear as though you passed.
There are many children throughout the world who would jump at the chance to receive an education, yet you, the underachiever, go to school at absolutely no personal expense every day. Not everyone can become the next NBA super star, the rest of us have to work at getting anywhere in life. Stop wasting the town's tax dollars by lounging around all day, and start improving your attitude and workmanship before it's too late.
Answer:
The motivation of a person depends on himself. The best way to keep your self motivated is to set goals and then monitor your performance against them.
Explanation:
Many people find it difficult to concentrate on studies. They are distracted by the social media and other gaming activities but one should think carefully that all these social media and games do not ruin your future. If a person does not study today he will not be able to achieve and secure a good job later in future leading to lifetime regrets.
You just borrowed $7,500 and are charged a simple interest rate of 8%. How much interest do you pay each year?
Answer:
Interest per year = $600
Explanation:
Given:
Amount invested = $7,500
rate of interest = 8%
Find:
Interest per year
Computation:
Interest per year = Amount invested x rate of interest
Interest per year = $7,500 x 8 %
Interest per year = $600
Harry Corporation just paid a dividend of $10.18 per share and dividends are expected to grow at a constant rate of 6 percent forever. If the required rate of return is 12 percent, what is a fair price for Harry Corporation's stocks today?
Answer:
Stock Price= $169.67
Explanation:
Giving the following information:
Dividen= $10.18
Growht rate (g)= 0.06
Rate of return (i)= 0.12
To calculate the price today, we need to use the following formula:
Stock Price= dividend / (i - g)
Stock Price= 10.18 / (0.12 - 0.06)
Stock Price= $169.67
Consider an investor facing a 38% marginal tax rate who purchases a tax-exempt issue with a yield of 4.25%. What is equivalent taxable yield of his investment?A. 11.18% B. 4.25% C. 1.62% D. 6.85% E. 2.64%
Answer:
Option D
Explanation:
We can calculate the equivalent taxable yield of investor facing a 38% marginal tax rate investment as follows
DATA
Tax rate = 38%
After tax yield = 4.25%
Solution
Let's suppose the equivalent taxable yield is x then
x(1-0.38)=4.25
x(0.62)= 4.25
x = 6.85%
Option D would be the correct answer
According to the PLC, the ________ stage is reached when sales plunge to zero, or when they drop to a low level where they continue for many years.
A) laggard
B) decline
C) maturity
D) growth
E) incubation