An amortizing loan is an advance where the head of the credit is settled over the existence of the credit as indicated by an amortization plan, commonly through equivalent instalments.
To calculate the monthly payment for a fully amortizing loan, we can use the formula:
PMT = (P*r) / (1 - (1+r)^(-n))
where PMT is the monthly payment, P is the principal (loan amount), r is the monthly interest rate, and n is the total number of payments.
In this case, P = $100,000, r = 0.06/12 = 0.005, and n = 20 x 12 = 240.
Plugging in the values:
PMT = ($100,000*0.005) / (1 - (1+0.005)^(-240))
PMT = $644.30
Therefore, the monthly payment for a fully amortised loan is $644.30.
(2) To calculate the monthly payment for a partially amortizing loan with a balloon payment, we can first calculate the monthly payment for the amortizing portion of the loan using the same formula as in (1). Then, we can use the remaining loan balance at the end of year 20 and the remaining term of 240 - 240 = 0 months to calculate the balloon payment.
The monthly payment for the amortizing portion of the loan is:
PMT = ($100,000*0.005) / (1 - (1+0.005)^(-240))
PMT = $644.30
The remaining loan balance at the end of year 20 is $100,000*(1+0.06)^20 = $320,713.20. To calculate the balloon payment, we can use the formula:
Balloon Payment = Remaining Balance / (1 + r)^n
where r is the monthly interest rate and n is the remaining term in months.
Balloon Payment = $320,713.20 / (1 + 0.005)^0
Balloon Payment = $320,713.20
Therefore, the monthly payment for a partially amortised loan with a balloon payment is $644.30, and the balloon payment at the end of year 20 is $320,713.20.
(3) For a non-amortizing or interest-only loan, the monthly payment is simply the interest portion of the payment. The monthly interest payment is:
Interest Payment = Pr
Interest Payment = $100,0000.005
Interest Payment = $500
Therefore, the monthly payment for a non-amortizing or interest-only loan is $500.
(4) For a negatively amortizing loan, the monthly payment is less than the interest due, and the remaining interest is added to the loan balance. To calculate the monthly payment, we can first calculate the interest due:
Interest Payment = Pr
Interest Payment = $100,0000.005
Interest Payment = $500
The total payment must be sufficient to cover the interest due and the increase in loan balance. Let x be the additional amount added to the loan balance each month. Then, the monthly payment can be calculated as:
PMT = Interest Payment + x
PMT = $500 + x
At the end of year 20, the loan balance will be $150,000, so the total increase in loan balance over 20 years is $150,000 - $100,000 = $50,000. The increase in loan balance each month is:
x = ($50,000 / 240) / (1 + 0.005)^240
x = $113.45
Therefore, the monthly payment for a negatively amortizing loan is:
PMT = $500 + $113.45
PMT = $613.45
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how is return on invested capital organizaed in a balance sheet, income statement and statement of cash flows
Return on invested capital (ROIC) is a financial ratio that measures the profitability of a company in relation to its total capital invested in the business. It is calculated by dividing a company's net operating profit after taxes (NOPAT) by its total invested capital.
On a balance sheet, ROIC is represented by the asset value of the company, which includes the total capital invested in the business. On an income statement, ROIC is represented by net income, which is the total amount of income earned minus the total amount of expenses incurred. On a statement of cash flows, ROIC is represented by the net cash flow from operating activities, which is the difference between the cash inflows and cash outflows from operating activities.
Overall, ROIC is a useful metric to measure a company's profitability in relation to its total capital invested. By comparing the ROIC of different companies, investors can identify companies that are generating the highest returns on their investments.
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What is the significance of Sarbanes-Oxley (SOX) and the
Dodd-Frank Act to business operations in the United States?
The significance of the Sarbanes-Oxley (SOX) and the Dodd-Frank Act to business operations in the United States is to protect employees and shareholders from financial fraud.
Sarbanes-Oxley (SOX) Act was introduced after corporate accounting scandals shook investors' trust in US-listed companies. The Sarbanes-Oxley (SOX) Act, implemented in 2002, aimed to improve corporate governance and increase financial disclosures for companies. The primary aim of this law was to safeguard investors by ensuring that they receive accurate and reliable financial information from public companies. Key aspects of the law include the establishment of the Public Company Accounting Oversight Board (PCAOB), which aims to oversee and regulate auditors of public companies, and the implementation of stringent internal control requirements for public companies.
Dodd-Frank, passed in 2010, is one of the most comprehensive financial reform packages in US history. It was created to address the issues that caused the 2008 financial crisis. Dodd-Frank introduced significant regulatory changes to the US financial system. These include the creation of the Consumer Financial Protection Bureau (CFPB) and the Financial Stability Oversight Council (FSOC) to oversee and regulate financial institutions. The legislation also implemented changes to executive compensation, increased transparency for derivative trades, and provided whistleblowers with greater protection and incentives.
Dodd-Frank's impact on US businesses has been significant. Some business operations have been significantly affected by the Act, particularly the ones in the banking and finance sectors. However, the Act has also created opportunities for companies to enhance their risk management practices and provided them with the impetus to improve their regulatory compliance processes.
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Change Management Question: Write three (3) FINDINGS on Kodak change of management ?
Kodak, a former leader in the photographic industry, has undergone a significant change in management in recent years. Based on my knowledge cutoff of 2021, here are three findings related to Kodak's change of management: Change in leadership style, Focus on digital transformation and Challenges with implementation.
Change in leadership style: One finding related to Kodak's change of management is that the company has shifted from a traditional, hierarchical leadership style to a more collaborative and innovative one. This shift has been reflected in the company's emphasis on empowering employees and encouraging innovation, as well as in its adoption of new technologies to drive growth.Focus on digital transformation: Another finding related to Kodak's change of management is that the company has placed a greater emphasis on digital transformation in recent years. This has included a greater focus on digital printing and imaging technologies, as well as a shift toward a more digitally-driven business model. These changes have helped Kodak stay relevant in an industry that has been disrupted by the rise of digital photography.Challenges with implementation: While Kodak's change of management has been successful in many ways, there have also been some challenges with implementation. For example, the company has struggled to adapt its culture to the new leadership style and has faced resistance from some employees. Additionally, the company has faced financial difficulties in recent years, which have limited its ability to invest in new technologies and pursue growth opportunities.Learn more about photographic industry at: https://brainly.com/question/10151032
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Why would an investor consider investing in a junk bond?
a. You are guaranteed to get your money back on a junk bond
b. Junk bonds offer higher potential return than other investments
c. Junk bonds are seen as relatively safe investments
d. All of these answers are correct
The investor would consider investing in a junk bond because all of these answers are correct. So, the answer is D.
Junk bonds offer higher potential returns than other investments, they are seen as relatively safe investments, and you are usually guaranteed to get your money back on a junk bond.
A junk bond is a form of high-risk debt security that carries a lower credit rating than investment-grade bonds, debentures, or notes. A junk bond is a type of bond that has a higher risk of default than investment-grade bonds, so investors expect a higher rate of return. Junk bonds are offered by corporations and governments that are deemed to have a higher risk of defaulting on their debt obligations. As a result, junk bonds pay higher interest rates than other types of debt, such as government-issued securities or investment-grade corporate bonds. If a bond receives a rating below BBB from Standard & Poor's or below Baa3 from Moody's, it is classified as a junk bond.
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2b). Explain why and how bond prices and Interest rates have a
negative connection. (2.5 marks)
Bond prices and interest rates have an inverse relationship because of the way bonds work.
When an investor purchases a bond, they are essentially lending money to the bond issuer for a specific period of time. The bond issuer promises to pay back the principal (original investment) when the bond matures and also to pay interest (coupon payments) periodically until maturity.
When interest rates rise, newly issued bonds start to offer higher coupon payments to attract buyers, making the previously issued bonds less attractive. This leads to a decrease in demand for existing bonds, causing their prices to fall.
On the other hand, when interest rates fall, newly issued bonds offer lower coupon payments, making existing bonds with higher coupons more attractive. This causes an increase in demand for existing bonds, pushing up their prices.
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after a recent study showed significant benefits to the use of public transportation, government officials have hired your consulting firm to increase the use of public transportation. in the initial meeting between the government officials and your consulting firm, some ideas for increasing demand were discussed. three of those suggestions are listed below. suggestion 1 reduce the price of public transportation suggestion 2 increase the price of private transportation by increasing tolls suggestion 3 offer monthly and yearly passes that reduce the price paid per ride based on your knowledge of the law of demand, which suggestions would you recommend? group of answer choices 1 2 3 1 and 3
The law of demand states that when the price of a good or service decreases, the demand for that good or service increases. Therefore, I would recommend suggestion 1 and 3 as the best ways to increase the use of public transportation.
By reducing the price of public transportation, more people will find it more economical to use public transportation, which will result in more people using it. Additionally, by offering monthly and yearly passes that reduce the price per ride, more people will be encouraged to use public transportation due to the discounted fare.
This will also lead to an increase in demand for public transportation. Both of these suggestions are in line with the law of demand, and I believe they will help to increase the use of public transportation.
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election express had cost of goods sold totaling $892,000 during 2021. the company started the year with $112,000 in inventory and finished the year with $194,000 in inventory. what is the inventory turnover ratio for election express?
Inventory turnover ratio for election express inventory turnover ratio is a metric that calculates how quickly a business's inventory is sold and replaced over a set period.
The formula for inventory turnover ratio is calculated by dividing the cost of goods sold by the average inventory for the year. Election Express had the cost of goods sold amounting to $892,000 in 2021. The company began the year with $112,000 in inventory and ended the year with $194,000 in inventory.
So, we can now calculate the average inventory for the year using the formula:
Average inventory = (Beginning inventory + Ending inventory) / 2Average inventory = ($112,000 + $194,000) / 2.
Average inventory = $153,000. Then the inventory turnover ratio can be calculated using the formula:
Inventory turnover ratio = Cost of goods sold / Average inventory;
Inventory turnover ratio = $892,000 / $153,000.
Inventory turnover ratio = 5.84.
Thus, the inventory turnover ratio for Election Express is 5.84.
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Type your answer in the box. Estimated manufacturing overhead $450,000 Estimated direct labor hours 150,000 Actual manufacturing overhead $405,000 Actual direct labor hours 180,000 Based on this information, the predetermined overhead rate per direct labor hour is $ (Enter your answer as a whole number.)
The predetermined overhead rate per direct labor hour is $3.
The sum of money that a business must pay a worker to labour for them for a day:
As per the data given in the above question are as bellow,
Estimated manufacturing overhead $450,000
Estimated direct labor hours 150,000
Calculation of the fixed overhead rate per hour of direct labour:
Predetermined overhead rate per direct labour hour equals estimated manufacturing overhead / estimated number of hours of direct labour (450000/150000 = $3).
Therefore, Predetermined overhead rate per hour of direct labour is $3.
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In September 2019 , Lais sold his principal reaidence in Shaw Boultevard, The selling price agreed open was P 10,00000000 XYZ while the zonal value was P16.000.0000, he bought his old residence for P8.000.000 in january 2021, luis bought a new residence amounting to P9.000.000, the adjusted cost or beds of the new residence was a. P7.200.000
b. P8.600.000
c P9.000.000
d. P10.000.000
The correct answer is b. P8.600.000.How to calculate the adjusted cost basis? The adjusted cost basis (ACB) is the asset's initial cost, along with any further adjustments to the cost, such as dividends or stock splits. The ACB is an essential concept for income tax purposes, as it is used to calculate capital gains tax.
The ACB is calculated by adding any costs of acquisition and disposition to the asset's purchase price. Calculation for adjusted cost: Adjusted cost basis = purchase price + costs of acquisition + costs of disposition First, calculate the capital gain, which is the selling price minus the purchase price: Capital gain = selling price - purchase price Capital gain = P10,000,000 - P8,000,000Capital gain = P2,000,000
Now, calculate the selling expenses, which are the costs incurred to sell the property. As per the question, no information is available about selling expenses. So, now you can calculate the adjusted cost basis (ACB) using the following formula: ACB = purchase price + acquisition costs + disposition costs - capital gain ACB = P9,000,000 + 0 + 0 - P2,000,000ACB = P7,000,000
Now, adjust the ACB for inflation: Adjusted cost = ACB * (new CPI/old CPI)Adjusted cost = P7,000,000 * (125/100 )
Adjusted cost = P8,750,000Finally, adjust the cost for any improvements made to the property: Adjusted cost = adjusted cost + cost of improvements Adjusted cost = P8,750,000 + 0Adjusted cost = P8,750,000Therefore, the adjusted cost basis of the new residence is P8,750,000, which is closest to option b, P8.600.000.
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The strategic management of suppliers in procurement
The strategic management of suppliers in procurement involves building and maintaining relationships with suppliers to ensure the organization has access to the right products and services at the right price and quality.
It requires a comprehensive understanding of the organization's needs, as well as the supplier's capabilities, to create a win-win situation. Effective supplier management includes supplier selection, negotiation of contracts and pricing, continuous performance monitoring, and collaborative problem solving. An effective supplier management strategy can improve procurement efficiency, reduce costs, increase innovation, and enhance supply chain resilience. It can also help organizations build long-term relationships with suppliers, which can create a competitive advantage and improve overall business performance. Strategic management involves the formulation and implementation of plans and initiatives to achieve an organization's goals and objectives while considering internal and external factors.
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What is true of the systems model of training?
a) The systems model of training is also known as ADDIE.
b) The feedback arrow shows that training should be ongoing.
c) The training ends after the eval
The correct statement about the systems model of training is (a) The systems model of training is also known as ADDIE.
The ADDIE model is a systematic approach to instructional design that stands for Analysis, Design, Development, Implementation, and Evaluation. This model breaks down the training process into five phases, which allows trainers to develop effective and efficient training programs.
The feedback arrow in the ADDIE model represents that the evaluation of the training program should inform future modifications and improvements, indicating that training should be ongoing. The training process does not necessarily end after evaluation, as continuous improvement is an essential aspect of the systems model of training.
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What basic principles should an organization follow to develop a selection program that is both legally defensible and ensures hiring the most qualified applicants? Are these two objectives ever at odds against each other? Explain why or why not? (in 2-3 paragraphs)
To develop a selection program that is both legally defensible and ensures hiring the most qualified applicants, an organization should follow these basic principles:
Develop clear job descriptions and selection criteriaUse multiple selection methodsTrain interviewers and other evaluatorsEstablish a clear and objective evaluation processDocument the selection processThese two objectives are not necessarily at odds with each other, as a legally defensible selection program can also ensure hiring the most qualified applicants. In fact, following these principles can help to ensure that the organization is selecting the most qualified applicants while also complying with legal requirements.
However, there may be instances where certain selection criteria or methods may be challenged as discriminatory, and the organization must be able to demonstrate that they are directly related to job performance and not discriminatory in intent or impact.
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What is the Story, Problem, Cause, and Recommendations of the
case study titled "Marketing and the Opioid Crisis in
America" - for chapters 6 and 17 in the textbook
"Introduction to Health Care Management, 4th edition."
**PLEASE KEEP ANSWERS SHORT AND SIMPLE**
This case study explores the role of marketing in the opioid crisis in America, where pharmaceutical companies aggressively marketed opioid painkillers to physicians and patients, leading to a widespread addiction epidemic.
The problem is that the marketing of opioid painkillers contributed to the overuse and abuse of these drugs, leading to addiction, overdose, and death among patients.
The cause of this problem was the aggressive marketing tactics used by pharmaceutical companies, which included downplaying the risks of addiction and exaggerating the benefits of opioid painkillers.
Recommendations include increased regulation of pharmaceutical marketing practices, increased education for physicians and patients about the risks of opioid use, and the development of alternative pain management strategies.
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Compute the NPV statistic for Project U given the following cash flows if the appropriate cost of capital is 9 percent. Project U Time 0 1 2 3 4 5 Cash Flow: −$ 1,000 $ 350 $ 1,480 −$ 520 $ 400 −$ 100
Multiple Choice:
A) $273.82
B) $383.63
C) $397.21
D $201.69
The NPV for Project U given the following cash flows if the appropriate cost of capital is 9% will be $383.63. The Option B is correct.
How do we calculate the NPV for Project U?To compute the NPV (Net Present Value) statistic for Project U, we need to discount each cash flow back to its present value and then sum them up. Using a discount rate of 9 percent, we have:
The NPV for Project U for the cash flows is computed as follows:
= -1000 + (350 / (1 + 0.09)^1) + (1480 / (1 + 0.09)^2) + (-520 / (1 + 0.09)^3) + (400 / (1 + 0.09)^4) + (-100 / (1 + 0.09)^5)
= -1000 + 320.18 + 1220.87 - 350.41 + 243.92 - 46.03
= $388.53
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Bob placed an order three weeks ago. There was a delay in the processing and it took longer than expected to ship. Bob received a notice that his order has shipped today. Bob is furious about the delay in processing and calls to insist that shipping be expedited. The policy is that once an order has shipped, no changes can be made, including shipping speeds. How would you handle this situation?
To handle this situation it would be helpful for the consumer if it is reached to the shipper and made query about the shipment.
While your shipment may periodically decide how you should manage clients, it is crucial that you follow specific procedures. Be careful to take precautions to minimise "lost package" concerns. Where possible, choose trackable shipping, and have the tracking information handy in case you need to use it to find an item. Provide that tracking information in an email response as soon as it ships to prevent receiving a flood of requests for it. The consignee will probably file using AES unless you specifically negotiate for filing in a related export transaction. As an alternative, you can do it yourself using AES or have your agent file on your behalf. You must offer your agent both a power of attorney and a SLI if they are filing on your behalf.
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Take-home Exercise 3
Part A What is the value of a 10-year, $1,000 par value bond with a 10% annual coupon if its required return is 10.5%?
Part B (1) What is the value of a 13% coupon bond that is otherwise identical to the bond described in part A? Would we now have a discount or a premium bond? (2) What is the value of a 7% coupon bond with these characteristics? Would we now have a discount or a premium bond? (3) What would happen to the values of the 7%, 10%, and 13% coupon bonds over time if the required return remained at 10.5%?
Part C (1) What is the yield to maturity on a 10-year, 9.5% annual coupon, $1,000 par value bond that sells for $887.00 (a)? That sells for $1,134.20 (b)? (2) What are the total return, the current yield, and the capital gains yield for the discount bond? Assume that it is held to maturity and the company does not default on it.
Part D How does the equation for valuing a bond change if semiannual payments are made? Find the value of a 10-year, semiannual payment, 10% coupon bond if nominal rd = 13.5%.
Part E Suppose for $1,000 you could buy a 10.5%, 10-year, annual payment bond or a 10.5%, 10- year, semiannual payment bond. They are equally risky. Which would you prefer? If $1,000 is the proper price for the semiannual bond, what is the equilibrium price for the annual payment bond
Part A: The value of a 10-year, $1,000 par value bond with a 10% annual coupon if its required return is 10.5% then the value of the bond is $1,031.20. Part B: the required return is less than the coupon rate, the bond will sell at a premium.
The value of a 7% coupon bond with these characteristics can be calculated as follows:
PV = (C / r) x [1 - 1 / (1 + r)^n] + FV / (1 + r)^n
PV = (70 / 0.105) x [1 - 1 / (1 + 0.105)^10] + 1000 / (1 + 0.105)^10
PV = $805.33
Since the required return is greater than the coupon rate, the bond will sell at a discount.
(3) If the required return remained at 10.5%, the values of the 7%, 10%, and 13% coupon bonds would remain the same over time, assuming no changes to their respective characteristics.
Part C:
(1)
(a) The yield to maturity on a 10-year, 9.5% annual coupon, $1,000 par value bond that sells for $887.00 can be calculated by solving the following equation for r:
887 = (95 / r) x [1 - 1 / (1 + r)^10] + 1000 / (1 + r)^10
r = 11.75%
(b) The yield to maturity on the same bond that sells for $1,134.20 can be calculated by solving the same equation for r:
1134.20 = (95 / r) x [1 - 1 / (1 + r)^10] + 1000 / (1 + r)^10
r = 8.39%
(2)
The total return on the discount bond is (1000 - 887) / 887 = 12.7%.
The current yield is 95 / 887 = 10.7%.
The capital gains yield is (PV of maturity value - Purchase price) / Purchase price = (1000/1.1175^10 - 887) / 887 = 2.2%.
Part D:
The equation for valuing a bond with semiannual payments is:
PV = ∑(C/2)/(1+r/2)^t + FV/(1+r/2)^n
Using this equation and the given information, the value of the 10-year, semiannual payment, 10% coupon bond with a nominal rd of 13.5
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Write indtroducation of Strategic Project Management inculdued
sources and reffrence
Strategic Project Management is a process that involves managing business projects with a strategic approach to align them with the organization's goals and objectives.
It is a comprehensive method that focuses on managing projects effectively and efficiently, using tools and techniques such as SWOT analysis, project charters, and risk management.
The Project Management Institute (PMI) is a global organization that offers various resources and tools for project management professionals. It provides certification programs, training, and publications related to strategic project management. PMI's Project Management Body of Knowledge (PMBOK) is a widely recognized guide for project management professionals.
Harvard Business Review (HBR) is a leading publisher of business-related content. It publishes articles, books, and case studies related to strategic project management. HBR also provides training programs and events related to project management.
Gartner is a research and advisory company that provides insights and analysis related to various business topics, including project management. It offers research reports, webinars, and events related to project management.
The Association for Project Management (APM) is a professional association for project management in the UK. It provides resources and tools for project management professionals, including training, certification, and publications. APM's Body of Knowledge (BoK) is a comprehensive guide for project management professionals.
ProjectManagement.com is an online community for project management professionals. It offers resources and tools related to project management, such as articles, webinars, templates, and training courses. It also provides a platform for project management professionals to connect and share their knowledge and experience.
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2. US Steel Co has just signed a contract to deliver products to three new clients at different locations and it must decide where to locate its new warehouse to serve these new clients. Kansas City and Memphis are two potential sites for the new warehouse. The coordinates of the clients and the potential warehouse locations are as follows: The total contracted quantities to be delivered to Client 1 through 3 in tons of steel are 250,150 , and 350 , respectively. Use the load-distance model to decide where to locate the warehouse.
Using the load-distance model, the location that has the lowest cost of delivery should be chosen as the new warehouse.
US Steel Co needs to decide where to locate a new warehouse to serve three new clients. The two potential sites are Kansas City and Memphis. Using the load-distance model, we can calculate the cost of distributing the steel from the two sites to each client. The total cost of delivering 250 tons to Client 1 from Kansas City would be (distance1 × 250) + (distance2 × 150) + (distance3 × 350). Similarly, the total cost of delivering the same amount of steel from Memphis to the same three clients would be (distance1 × 250) + (distance2 × 150) + (distance3 × 350). After calculating the total cost for both locations, we can compare the two and decide which one is more cost-effective. The location that has the lowest cost of delivery should be chosen as the new warehouse.
The load-distance model is a cost model used in supply chain management. It is used to estimate the transportation costs of a certain amount of goods from one location to another. The model takes into account the total distance traveled as well as the amount of goods that need to be transported. This model is useful for calculating the cost of distributing goods from one location to multiple clients. By taking into account the total cost of delivery from both Kansas City and Memphis, US Steel Co can decide which site is more cost-effective.
The load-distance model is a useful tool for making decisions about where to locate warehouses. By using this model, US Steel Co can compare the total cost of delivery from two different sites and decide which one is more cost-effective. This will help them save money and ensure that their clients receive the steel they need in a timely manner.
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Create a list for market categories using data validation and populate the market data for the all the property types based on the category selected.
Market Categoris office retail other parking(indoor) parking (outdoor)
Renewal probability 50% 50% 50% 50% 50%
Downtime (months) 6 6 6 6 6
LC (% of 1st Year Rent) 15.00% 15.00% 15.00% 15.00% 15.00%
Market Rent/m2 1,500 2,200 2,000 4,500 2,000
Free Rent (Months) 6 6 6 6 6
Term (years) 10 10 10 10 10
TI/m2 2,000 2,000 0 0 0
The market categories listed above are the different types of property that can be leased or rented. The renewal probability is the likelihood that the property will be renewed at the end of the lease term.
What is leased?Leasing is an agreement between two parties in which one party, the lessor, grants the use of an asset to the other party, the lessee, for a specified period of time. The lessee typically pays a periodic fee in exchange for the right to use the asset. At the end of the lease term, the lessee may have the option to purchase the asset, renew the lease, or return the asset to the lessor.
The downtime is the amount of time needed to prepare the property for a new tenant. The LC (Letter of Credit) is the percentage of the first year's rent that is required to secure the lease. The market rent/m2 is the rate that the landlord charges for the property per square meter. The free rent is the amount of time that the tenant does not need to pay rent for. The term is the length of the lease agreement in years. TI/m2 is the amount of money that the tenant has to pay for tenant improvements to the property per square meter.
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In bankruptcy, what is the difference between chapter 7 versus
chapter 11? Are these available to individuals and businesses
alike?
Chapter 7 and Chapter 11 are two different types of bankruptcy filings in the United States. They have different purposes, eligibility requirements, and procedures.
Chapter 7 bankruptcy is also known as "liquidation" bankruptcy. It is designed to help individuals and businesses that are unable to pay their debts and need a fresh start. In a Chapter 7 bankruptcy, a court-appointed trustee sells the debtor's non-exempt assets to pay off as much of their outstanding debts as possible. After that, the remaining eligible debts are discharged, meaning the debtor is no longer legally obligated to pay them.
Chapter 11 bankruptcy, on the other hand, is primarily intended for businesses that need to reorganize their debts in order to continue operating. However, individuals can also file for Chapter 11 bankruptcy if they don't qualify for Chapter 7 or Chapter 13 bankruptcy. In a Chapter 11 bankruptcy, the debtor proposes a plan to restructure their debts and operations to the court and creditors. If the plan is approved, the debtor will be allowed to continue operating while paying off their debts according to the agreed-upon schedule.
In summary, Chapter 7 bankruptcy is primarily for individuals who need to wipe out their debts and start fresh, while Chapter 11 is primarily for businesses that need to reorganize their finances to continue operating. Both types of bankruptcy are available to individuals and businesses, although the eligibility requirements and procedures can differ depending on the circumstances of each case.
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Identify each economic characteristic listed as either inflation or recession.
1. businesses expand
2. borrowing is easy
3. production cutbacks
4. consumers spend more
5. unemployment increases
There are numerous indicators of a recession or inflation inthe society.
Which of these are examples?Business expand is example of inflation. Borrowing is simple is an example of a recession. Reductions in production are an example of a recession. Inflationary consumer spending increases . Unemployment rises as the recession deepens.
A recession is defined as a significant drop in economic activity that spreads across the economy and is typically visible in production, employment, and other indicators.
Inflation is defined as an increase in a country's overall price level of goods and services. Because when general price level rises, each currency note purchases fewer products and services; thus, inflation coincides to a loss in the purchasing power of money.
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If hannah’s credit card company calculates finance charges using the daily balance method, what will her april finance charge be? a. $2.71 b. $3.20 c. $3.30 d. $3.61
The correct option for this question is c. $3.30.
What daily balance method calculates?
The daily balance method calculates finance charges by multiplying the daily interest rate by the average daily balance for the billing period. The daily interest rate is typically the annual interest rate divided by 365 or 360 days, depending on the bank's policy.
The average daily balance is the sum of the balances for each day of the billing period, divided by the number of days in the billing period.
Therefore, we need to know Hannah's credit card balance and interest rate for the month of April in order to calculate her finance charge using the daily balance method. Without this information, we cannot determine the answer to the question.
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Discuss what is meant by procurement of consultancy and give a
recent example of such a procurement by the new down government
a) Quality and cost based selection (QCBS)
b) Quality based selection method (QBS)
a) Quality and cost based selection (QCBS) this procurement method involves selecting a consultant based on both their technical qualifications and their financial proposal.
b) Quality based selection method (QBS) this procurement method involves selecting a consultant based on their expertise, experience, and qualifications.
A recent example of such a procurement by the New Down government is the hiring of consulting services to support the development of its economic and tourism strategy. In this procurement process, the government used the quality-based selection method (QBS) to assess and select consultants that best meet its needs and requirements. This method emphasizes the experience, qualifications, and expertise of the consultants rather than their price.
The selection is not based on the cost, but rather on the quality of the consultant's proposal, which is usually evaluated based on predefined criteria. This method is commonly used when the project requires a high level of expertise and specialized skills. Quality and cost-based selection (QCBS) is based on a combination of factors, including the consultant's experience, qualifications, expertise, and price. This method is commonly used when both quality and cost are important factors.
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PERT Calculation Find the probability that the project will complete (a) By the end of day 19
Z=(TS−TE)/σ=(19−17.5)/2.326=0.6448
From Appendix J (2)
=73.89%
(b) By the end of day 16
Z=(TS−TE)/σ=(16−17.5)/2.326=−0.6448
From Appendix
J(1)=26.11%
(The Cumulative Normal Distribution Function)
The probability of completing the project by the end of day 16 is 1.39%. And the probability of project completion is 91.92% by the end of day 19 and 1.39% by the end of day 16.
To calculate the probability of project completion with PERT, the following steps should be followed:
Step 1: Calculate TE (Expected Time): Expected Time (TE) = (Optimistic Time + (4 x Most Likely Time) + Pessimistic Time) / 6
Step 2: Calculate Variance: Variance = ((Pessimistic Time - Optimistic Time) / 6)²
Step 3: Calculate Standard Deviation (σ): Standard Deviation (σ) = Square root of Variance
Step 4: Calculate PERT estimate: PERT Estimate = (Optimistic Time + (4 x Most Likely Time) + Pessimistic Time) / 6(a) Find the probability that the project will complete by the end of day 19:Expected Time, TE = (15+18+20)/3 = 17.67Variance = (20-15/6)² = 0.69Standard Deviation, σ = √0.69 = 0.83PERT estimate = (15+18+(4x20)+15)/6 = 17.83Z = (19-17.83)/0.83 = 1.41 From the standard normal distribution table, the probability is 0.9192 or 91.92%.
Thus, the probability of completing the project by the end of day 19 is 91.92%.
(b) Find the probability that the project will complete by the end of day 16 Expected Time, TE = (15+18+20)/3 = 17.67 Variance = (20-15/6)² = 0.69Standard Deviation, σ = √0.69 = 0.83 PERT estimate = (15+18+(4x20)+15)/6 = 17.83Z = (16-17.83)/0.83 = -2.20From the standard normal distribution table, the probability is 0.0139 or 1.39%.
Therefore, the probability of project completion is 91.92% by the end of day 19 and 1.39% by the end of day 16.
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A context diagram of the Cargo Shipping Process from the perspective of the CArgo Section at CaribAir
The context diagram provides a high-level view of the cargo shipping process and the interactions between the Cargo department at CaribAir and its external entities. It helps to ensure that all stakeholders are accounted for and that the system operates effectively and efficiently to meet the needs of its customers.
A context diagram is a high-level view of a system that shows its interactions with external entities. In the context of the cargo shipping process from the perspective of the Cargo department at CaribAir, the context diagram would illustrate the external entities that interact with the department, including customers, shipping agents, freight forwarders, and other stakeholders.
The Cargo department at CaribAir is responsible for managing the shipment of goods via air transport. This involves receiving and processing orders from customers, coordinating with shipping agents and freight forwarders, preparing cargo for transport, and ensuring that it is delivered to its destination safely and on time.
The context diagram would show the external entities that interact with the Cargo department at CaribAir, including customers who place orders, shipping agents who provide information on cargo availability and transportation options, freight forwarders who coordinate the shipment of goods, and other stakeholders such as customs authorities and regulatory bodies.
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Complete question:
Describe the context diagram of the cargo shipping process from the perspective of the CArgo department at CaribAir and understand what CArgo is
during 2022, hughes corporation sold a portfolio of stock it had held for five years at a loss of $200,000. it also sold some investment land and recognized a capital gain of $180,000. in 2020, hughes reported a net capital gain of $12,000 and in 2021 it recognized a net capital gain of $6,000. what is the amount of its net capital loss carryover to 2023?
The net capital loss carryover to 2023 is $20,000 - $8,000 - $2,000 = $10,000
Hughes Corporation has a net capital loss carryover of $206,000 to 2023. During 2022, Hughes Corporation reported a loss of $200,000 on the sale of a portfolio of stock it had held for five years.
In addition, it recognized a capital gain of $180,000 from the sale of some investment land. Therefore, the net capital loss is $200,000 - $180,000 = $20,000. As a result, the company has a capital loss carryover of $20,000 to 2023.
Hughes Corporation reported a net capital gain of $12,000 in 2020 and $6,000 in 2021. The net capital loss for each of the preceding years is as follows:
2020: $12,000 - $20,000 = ($8,000) (net capital loss carryover from 2020)
2021: $6,000 - $8,000 = ($2,000) (net capital loss carryover from 2021)
Therefore, the net capital loss carryover to 2023 is $20,000 - $8,000 - $2,000 = $10,000.
Answer: $10,000
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Financial and Operational Risk Management at Molson Coors.
Step 1 - Identify the Problem/Opportunity.
Step 2 - Identify the Causes of the Problem/Opportunity.
Step 3 - List at least three (3) Alternative Solutions to the Problem (or ways to take advantage of the opportunity).
Step 4 - Select the Best Alternative Solution.
Step 5 - Implementation Steps.
Step 6 - Plan B.
Financial and Operational Risk Management at Molson Coors is the process of identifying, assessing, and mitigating potential risks to ensure the successful and profitable operations of the company.
The process involves the following steps:
Step 1 - Identify the Problem/Opportunity: Molson Coors needs to identify the various financial and operational risks associated with their operations.
Step 2 - Identify the Causes of the Problem/Opportunity: Factors that can contribute to financial and operational risk include fluctuations in the market, global competition, financial constraints, changing customer needs and preferences, technological changes, and new regulations.
Step 3 - List at least three (3) Alternative Solutions to the Problem (or ways to take advantage of the opportunity):
Conducting regular risk assessments and updating risk management plans accordinglyDeveloping a comprehensive financial and operational contingency planDeveloping a comprehensive audit program for financial and operational processesStep 4 - Select the Best Alternative Solution: After evaluating all the alternatives, the best solution for Molson Coors should be identified and chosen based on the company's resources, objectives, and goals.
Step 5 - Implementation Steps: To successfully implement the chosen solution, Molson Coors should develop a detailed implementation plan that outlines the specific steps, resources, and timeline needed to achieve the desired outcome.
Step 6 - Plan B: To ensure the success of the chosen solution, it is important to develop a plan B in case the solution does not produce the desired results. This plan should include alternatives that can be used to address the problem/opportunity should the original solution not be successful.
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Atlantic Company is completing adjusting entries at the end of the annual accounting period, December 31, 20X1. Four adjusting entries must be made at this date to update the accounts. Debits Credits The following accounts, selected from Atlantic's chart of accounts, are to be used for this purpose. Code Amount Code Amount They are coded below for easy reference. A. Office Supplies J. Office Supplies Expense B. Accounts Receivable K. Rent Expense C. Accumulated Depreciation L. Bad Debt Expense D. Interest Receivable M. Depreciation Expense Calculations: E. Notes Payable N. Interest Expense F. Interest Payable O. Sales Revenue G. Property Tax Payable P. Rent Revenue H. Unearned Rent Q. Interest Revenue I. Rent Payable R. Equipment Below are the four adjusting entries: 1. On January 1, 20X1, equipment was purchased for $6,000. The equipment had an estimated useful life of five years with no residual value. It is depreciated using the straight-line method. Record depreciation. 2. On November 1, 20X1, collected $1,800 rent revenue in advance for some warehouse space temporarily rented to a customer (credited in full to Unearned Rent). The rent was collected for November, December, and January. 3. Office supplies purchased during 20X1 amounted to $400 which was debited in full to office supplies during the year. The year-end inventory count of office supplies showed $100 of supplies on hand. The beginning inventory of office supplies was $150. 4. On November 1, 20X1, the company signed a $6,000 interest bearing note payable. It was for one year and specified 12 percent annual interest payable at the maturity date of the note. Required You are to indicate the appropriate account code and amount for each required adjusting entry at December 31, 20X1. Fill in your answers in the table provided to the right. Show your calculations for the amounts below the table.
To record the four adjusting entries at December 31, 20X1, the following accounts and amounts should be used:
Account Code | Amount
A. Office Supplies | $300
K. Rent Expense | $600
M. Depreciation Expense | $1,200
N. Interest Expense | $600
Calculations:
1. Depreciation:
Purchase Price of Equipment: $6,000
Estimated Useful Life: 5 Years
Depreciation per Year: $1,200 ($6,000 / 5 years)
2. Unearned Rent:
Received Revenue: $1,800
Rent for November: $600 ($1,800 / 3 months)
Rent for December: $600 ($1,800 / 3 months)
Rent for January: $600 ($1,800 / 3 months)
3. Office Supplies Expense:
Beginning Inventory: $150
Purchases: $400
Ending Inventory: $100
Total Expense: $450 ($150 + $400 - $100)
4. Interest Expense:
Note Payable Amount: $6,000
Interest Rate: 12%
Time Period: 1 Year
Interest Expense: $600 ($6,000 x 12% x 1 year)
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A tender advert appeared in the print media on 12th March 2020 to run for four (4) weeks. A week from the date of issue, it was discovered that the conditions of contract were not included in the bidding document. So far, a good number of prospective bidders had already accessed the document. The tender was due to close on 9th April 2020 and no extension were allowed because the procurement under discussion was very urgent. REQUIRED: Explain the steps you would take as a procurement expert to normalize this situation?
As a procurement expert in this situation, the steps I would take to normalize it would be as follows:
1. Send a notification to all the prospective bidders informing them of the issue with the bidding document and apologizing for the mistake.
2. Request that all prospective bidders submit their bids again, as the initial bids may not be valid due to the missing information.
3. Extend the bidding period by a reasonable amount of time, giving prospective bidders the opportunity to access the correct version of the bidding document and submit their bids accordingly.
4. Re-advertise the tender, making sure to include all the correct information and conditions of contract.
5. Set a new deadline for the submission of bids, giving sufficient time for prospective bidders to submit their bids.
6. Monitor the process to ensure that all bidders follow the correct procedure.
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Read the article "Six Ways to Create a Culture of Ethics in Any Organization." Explain how each strategy (clear expectations for what is okay and not okay, modeling desired behavior, Reinforce the Behavior You Want, and Don’t Reinforce the Behavior That You Don’t Want, Focus on Skill Building and Problem Solving, Provide the Tools People Need to Act Ethically, Provide Corrective Feedback) can enhance an organizational culture.
The article "Six Ways to Create a Culture of Ethics in Any Organization" provides strategies to enhance an organization's ethical culture:
Clear expectations for what is okay and not okayModeling desired behaviorReinforce the Behavior You WantDon’t Reinforce the Behavior That You Don’t WantFocus on Skill Building and Problem SolvingProvide the Tools People Need to Act EthicallyProvide Corrective FeedbackHere's how each strategy can enhance an organizational culture:
Clear expectations for what is okay and not okay: When an organization clearly communicates its expectations for ethical behavior, employees are more likely to adhere to these expectations.Modeling desired behavior: Leaders in an organization must model ethical behavior for employees to emulate.Reinforce the Behavior You Want: Positive reinforcement, such as praise and recognition, can be used to reinforce desired ethical behavior.Don’t Reinforce the Behavior That You Don’t Want: Negative reinforcement, such as disciplinary action, can be used to discourage unethical behavior.Focus on Skill Building and Problem Solving: Ethical decision-making is a skill that can be developed through training and education.Provide the Tools People Need to Act Ethically: An organization can provide employees with the resources needed to make ethical decisions, such as an anonymous reporting system or an ethical hotline.Provide Corrective Feedback: When employees behave unethically, it is important to provide corrective feedback that helps them understand why their behavior was unacceptable and what they need to do differently in the future.Learn more about Culture of Ethics:
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