The Loan Estimate: This form will be provided to consumers within three business days after they submit a loan application. It replaces the early Truth in Lending statement and the Good Faith Estimate, and provides a summary of the key loan terms and estimated loan and closing costs. Consumers can use this new form to compare the costs and features of different loans.
The Loan Estimate: This form will be provided to consumers within three business days after they submit a loan application. It replaces the early Truth in Lending statement and the Good Faith Estimate, and provides a summary of the key loan terms and estimated loan and closing costs. Consumers can use this new form to compare the costs and features of different loans.
A financial GPS to find the quickest route to ZERO debt, Presented by Serena ...Serena Rinaldi Lambiase
A financial GPS to find the quickest route to zero debt; Software program that guides you to pay off your morgage and ALL debts faster by using interest cancellation methods; NO LOANS necessary
fin 370,uop fin 370,uop fin 370 complete course,uop fin 370 entire course, uop fin 370 week 1,uop fin 370 week 2,uop fin 370 week 3,uop fin 370 week 4,uop fin 370 week 5,fin 370 final exam guide new,fin 370 tutorials,fin 370 assignments,fin 370 help
fin 370,uop fin 370,uop fin 370 complete course,uop fin 370 entire course, uop fin 370 week 1,uop fin 370 week 2,uop fin 370 week 3,uop fin 370 week 4,uop fin 370 week 5,fin 370 final exam guide new,fin 370 tutorials,fin 370 assignments,fin 370 help, fin 370 cash flow problem sets new,fin 370 final exam guide new,fin 370 final exam guide new,
A financial GPS to find the quickest route to ZERO debt, Presented by Serena ...Serena Rinaldi Lambiase
A financial GPS to find the quickest route to zero debt; Software program that guides you to pay off your morgage and ALL debts faster by using interest cancellation methods; NO LOANS necessary
fin 370,uop fin 370,uop fin 370 complete course,uop fin 370 entire course, uop fin 370 week 1,uop fin 370 week 2,uop fin 370 week 3,uop fin 370 week 4,uop fin 370 week 5,fin 370 final exam guide new,fin 370 tutorials,fin 370 assignments,fin 370 help
fin 370,uop fin 370,uop fin 370 complete course,uop fin 370 entire course, uop fin 370 week 1,uop fin 370 week 2,uop fin 370 week 3,uop fin 370 week 4,uop fin 370 week 5,fin 370 final exam guide new,fin 370 tutorials,fin 370 assignments,fin 370 help, fin 370 cash flow problem sets new,fin 370 final exam guide new,fin 370 final exam guide new,
fin 370,uop fin 370,uop fin 370 complete course,uop fin 370 entire course, uop fin 370 week 1,uop fin 370 week 2,uop fin 370 week 3,uop fin 370 week 4,uop fin 370 week 5,fin 370 final exam guide new,fin 370 tutorials,fin 370 assignments,fin 370 help
fin 370,uop fin 370,uop fin 370 entire course,uop fin 370 entire class,uop fin 370 week 1,uop fin 370 week 2,uop fin 370 week 3,uop fin 370 week 4,uop fin 370 week 5,uop fin 370 tutorials,fin 370 assignments,fin 370 help,uop fin 370 learning team lowes,uop fin 370 strategic initiative paper lowe's,uop fin 370 final exam guide
I've been able to pay off $24,000 in principal in just 18 months and am on track to be completely out of debt in 13 years. Would you like to know how I'm doing it? See how this innovative software program along with personal coaching can help you get out of all debt in 1/2 to 1/3 the time without having to refinance, make bi-weekly payments and with little to no change in your standard of living. Use the money you save to build up your retirement portfolio, go on vacation or buy a second or investment property. Free analysis will tell you the exact month and day you can begin living your dreams of financial freedom!
Most people believe that you can only spend a dollar once. Well we would like to show you how you can spend the same dollar multiple times with infinite banking and the family banking plan.
To learn more:
Visit our website at http://www.AllianceGroupFinancial.com
Like us on Facebook http://www.facebook.com/alliancegroup
Watch videos on Vimeo http://vimeo.com/alliancegroup
Watch videos on YouTube https://www.youtube.com/user/alliancegroupfinanci
1.Which of the following is considered a hybrid organizational for.docxhyacinthshackley2629
1.Which of the following is considered a hybrid organizational form?
Corporation
limited liability partnership
sole proprietorship
partnership
3. Teakap, Inc., has current assets of $ 1,456,312 and total assets of $4,812,369 for the year ending September 30, 2006. It also has current liabilities of $1,041,012, common equity of $1,500,000, and retained earnings of $1,468,347. How much long-term debt does the firm have?
$1,844,022
$2,303,010
$2,123,612
$803,010
5. Efficiency ratio: Gateway Corp. has an inventory turnover ratio of 5.6. What is the firm's days's sales in inventory?
61.7 days
57.9 days
65.2 days
64.3 days
6. Leverage ratio: Your firm has an equity multiplier of 2.47. What is its debt-to-equity ratio?
1.74
0
0.60
1.47
8. Present value: Jack Robbins is saving for a new car. He needs to have $ 21,000 for the car in three years. How much will he have to invest today in an account paying 8 percent annually to achieve his target? (Round to nearest dollar.)
$22,680
$26,454
$16,670
$19,444
9. PV of multiple cash flows: Ferris, Inc., has borrowed from their bank at a rate of 8 percent and will repay the loan with interest over the next five years. Their scheduled payments, starting at the end of the year are as follows—$450,000, $560,000, $750,000, $875,000, and $1,000,000. What is the present value of these payments? (Round to the nearest dollar.)
$2,735,200
$2,615,432
$2,431,224
$2,815,885
10. PV of multiple cash flows: Ajax Corp. is expecting the following cash flows—$79,000, $112,000, $164,000, $84,000, and $242,000—over the next five years. If the company's opportunity cost is 15 percent, what is the present value of these cash flows? (Round to the nearest dollar.)
$480,906
$414,322
$477,235
$429,560
11. Future value of an annuity: Jayadev Athreya has started on his first job. He plans to start saving for retirement early. He will invest $5,000 at the end of each year for the next 45 years in a fund that will earn a return of 10 percent. How much will Jayadev have at the end of 45 years? (Round to the nearest dollar.)
$3,594,524
$5,233,442
$1,745,600
$2,667,904
12. Serox stock was selling for $20 two years ago. The stock sold for $25 one year ago, and it is currently selling for $28. Serox pays a $1.10 dividend per year. What was the rate of return for owning Serox in the most recent year? (Round to the nearest percent.)
40%
12%
16%
32%
13. Bond price: Regatta, Inc., has six-year bonds outstanding that pay a 8.25 percent coupon rate. Investors buying the bond today can expect to earn a yield to maturity of 6.875 percent. What should the company's bonds be priced at today? Assume annual coupon payments. (Round to the nearest dollar.)
$1,066
$923
$972
$1,014
14. PV of dividends: Next year Jenkins Traders will pay a dividend of $3.00. It expects to increase its dividend by $0.25 in each of the following three years. If their required rate of return is 14 percent, what is the present value of their dividends over the ne.
1.Which of the following is considered a hybrid organizational for.docxelliotkimberlee
1.Which of the following is considered a hybrid organizational form?
Corporation
limited liability partnership
sole proprietorship
partnership
3. Teakap, Inc., has current assets of $ 1,456,312 and total assets of $4,812,369 for the year ending September 30, 2006. It also has current liabilities of $1,041,012, common equity of $1,500,000, and retained earnings of $1,468,347. How much long-term debt does the firm have?
$1,844,022
$2,303,010
$2,123,612
$803,010
5. Efficiency ratio: Gateway Corp. has an inventory turnover ratio of 5.6. What is the firm's days's sales in inventory?
61.7 days
57.9 days
65.2 days
64.3 days
6. Leverage ratio: Your firm has an equity multiplier of 2.47. What is its debt-to-equity ratio?
1.74
0
0.60
1.47
8. Present value: Jack Robbins is saving for a new car. He needs to have $ 21,000 for the car in three years. How much will he have to invest today in an account paying 8 percent annually to achieve his target? (Round to nearest dollar.)
$22,680
$26,454
$16,670
$19,444
9. PV of multiple cash flows: Ferris, Inc., has borrowed from their bank at a rate of 8 percent and will repay the loan with interest over the next five years. Their scheduled payments, starting at the end of the year are as follows—$450,000, $560,000, $750,000, $875,000, and $1,000,000. What is the present value of these payments? (Round to the nearest dollar.)
$2,735,200
$2,615,432
$2,431,224
$2,815,885
10. PV of multiple cash flows: Ajax Corp. is expecting the following cash flows—$79,000, $112,000, $164,000, $84,000, and $242,000—over the next five years. If the company's opportunity cost is 15 percent, what is the present value of these cash flows? (Round to the nearest dollar.)
$480,906
$414,322
$477,235
$429,560
11. Future value of an annuity: Jayadev Athreya has started on his first job. He plans to start saving for retirement early. He will invest $5,000 at the end of each year for the next 45 years in a fund that will earn a return of 10 percent. How much will Jayadev have at the end of 45 years? (Round to the nearest dollar.)
$3,594,524
$5,233,442
$1,745,600
$2,667,904
12. Serox stock was selling for $20 two years ago. The stock sold for $25 one year ago, and it is currently selling for $28. Serox pays a $1.10 dividend per year. What was the rate of return for owning Serox in the most recent year? (Round to the nearest percent.)
40%
12%
16%
32%
13. Bond price: Regatta, Inc., has six-year bonds outstanding that pay a 8.25 percent coupon rate. Investors buying the bond today can expect to earn a yield to maturity of 6.875 percent. What should the company's bonds be priced at today? Assume annual coupon payments. (Round to the nearest dollar.)
$1,066
$923
$972
$1,014
14. PV of dividends: Next year Jenkins Traders will pay a dividend of $3.00. It expects to increase its dividend by $0.25 in each of the following three years. If their required rate of return is 14 pe.
This is the third presentation for the University of New England Graduate School of Business unit GSB711 - Managerial Finance. It explores the time value of money, using examples to help students clarify this concept.
1. Which one of the following terms is defined as a conflict of inte.docxmansonagnus
1. Which one of the following terms is defined as a conflict of interest between the corporate shareholders and the corporate managers?
A.
articles of incorporation
B.
corporate breakdown
C.
agency problem
D.
bylaws
E.
legal liability
2. Which of the following questions are addressed by financial managers?
I. How should a product be marketed?
II. Should customers be given 30 or 45 days to pay for their credit purchases?
III. Should the firm borrow more money?
IV. Should the firm acquire new equipment?
A.
I and IV only
B.
II and III only
C.
I, II, and III only
D.
II, III, and IV only
E.
I, II, III, and IV
3. Which one of the following is a capital budgeting decision?
A.
determining how many shares of stock to issue
B.
deciding whether or not to purchase a new machine for the production line
C.
deciding how to refinance a debt issue that is maturing
D.
determining how much inventory to keep on hand
E.
determining how much money should be kept in the checking account
4. Decisions made by financial managers should primarily focus on increasing which one of the following?
A.
size of the firm
B.
growth rate of the firm
C.
gross profit per unit produced
D.
market value per share of outstanding stock
E.
total sales
5. Essay
List and briefly describe the three general areas of responsibility for a financial manager.
Section II: Financial Statements, Taxes and Cash Flow
6. The book value of a firm is:
A.
equivalent to the firm's market value provided that the firm has some fixed assets.
B.
based on historical cost.
C.
generally greater than the market value when fixed assets are included.
D.
more of a financial than an accounting valuation.
E.
adjusted to the market value whenever the market value exceeds the stated book value.
7. Which of the following are expenses for accounting purposes but are not operating cash flows for financial purposes?
I. interest expense
II. taxes
III. costs of goods sold
IV. depreciation
A.
IV only
B.
II and IV only
C.
I and III only
D.
I and IV only
E.
I, II, and IV only
8. A firm has $520 in inventory, $1,860 in fixed assets, $190 in accounts receivables, $210 in accounts payable, and $70 in cash. What is the amount of the current assets?
A.
$710
B.
$780
C.
$990
D.
$2,430
E.
$2,640
9. Crandall Oil has total sales of $1,349,800 and costs of $903,500. Depreciation is $42,700 and the tax rate is 34 percent. The firm does not have any interest expense. What is the operating cash flow?
A.
$129,152
B.
$171,852
C.
$179,924
D.
$281,417
E.
$309,076
10.
What is the change in the net working capital from 2010 to 2011?
A.
-$1,194
B.
$1,306
C.
$1,887
D.
$4,780
E.
$5,172
11.
Relationships determined from a firm's financial information and used for comparison purposes are known as:
A.
financial ratios.
B.
identities.
C.
dimensional analysis.
D.
scenario analysis.
E.
solvency analysis.
12.
According.
Bogleheads II for new investors in Milwaukee Wisconsin: Debt Reduction can be easier with a strategy to reduce the amount of interest and pay off debt efficiently.
math 533,devry math 533,devry math 533 entire course,devry math 533entire class,devry math 533 final examdevry,math 533 week 1,devry math 533 week 2,devry math 533 week 3,devry math 533 week 4,devry math 533 week 5,devry math 533 week 6,devry math 533 week 7,devry math 533 tutorials,devry math 533assignments,devry math 533 help
This is a presentation by Dada Robert in a Your Skill Boost masterclass organised by the Excellence Foundation for South Sudan (EFSS) on Saturday, the 25th and Sunday, the 26th of May 2024.
He discussed the concept of quality improvement, emphasizing its applicability to various aspects of life, including personal, project, and program improvements. He defined quality as doing the right thing at the right time in the right way to achieve the best possible results and discussed the concept of the "gap" between what we know and what we do, and how this gap represents the areas we need to improve. He explained the scientific approach to quality improvement, which involves systematic performance analysis, testing and learning, and implementing change ideas. He also highlighted the importance of client focus and a team approach to quality improvement.
Palestine last event orientationfvgnh .pptxRaedMohamed3
An EFL lesson about the current events in Palestine. It is intended to be for intermediate students who wish to increase their listening skills through a short lesson in power point.
Ethnobotany and Ethnopharmacology:
Ethnobotany in herbal drug evaluation,
Impact of Ethnobotany in traditional medicine,
New development in herbals,
Bio-prospecting tools for drug discovery,
Role of Ethnopharmacology in drug evaluation,
Reverse Pharmacology.
Read| The latest issue of The Challenger is here! We are thrilled to announce that our school paper has qualified for the NATIONAL SCHOOLS PRESS CONFERENCE (NSPC) 2024. Thank you for your unwavering support and trust. Dive into the stories that made us stand out!
2024.06.01 Introducing a competency framework for languag learning materials ...Sandy Millin
http://sandymillin.wordpress.com/iateflwebinar2024
Published classroom materials form the basis of syllabuses, drive teacher professional development, and have a potentially huge influence on learners, teachers and education systems. All teachers also create their own materials, whether a few sentences on a blackboard, a highly-structured fully-realised online course, or anything in between. Despite this, the knowledge and skills needed to create effective language learning materials are rarely part of teacher training, and are mostly learnt by trial and error.
Knowledge and skills frameworks, generally called competency frameworks, for ELT teachers, trainers and managers have existed for a few years now. However, until I created one for my MA dissertation, there wasn’t one drawing together what we need to know and do to be able to effectively produce language learning materials.
This webinar will introduce you to my framework, highlighting the key competencies I identified from my research. It will also show how anybody involved in language teaching (any language, not just English!), teacher training, managing schools or developing language learning materials can benefit from using the framework.
Instructions for Submissions thorugh G- Classroom.pptxJheel Barad
This presentation provides a briefing on how to upload submissions and documents in Google Classroom. It was prepared as part of an orientation for new Sainik School in-service teacher trainees. As a training officer, my goal is to ensure that you are comfortable and proficient with this essential tool for managing assignments and fostering student engagement.
Synthetic Fiber Construction in lab .pptxPavel ( NSTU)
Synthetic fiber production is a fascinating and complex field that blends chemistry, engineering, and environmental science. By understanding these aspects, students can gain a comprehensive view of synthetic fiber production, its impact on society and the environment, and the potential for future innovations. Synthetic fibers play a crucial role in modern society, impacting various aspects of daily life, industry, and the environment. ynthetic fibers are integral to modern life, offering a range of benefits from cost-effectiveness and versatility to innovative applications and performance characteristics. While they pose environmental challenges, ongoing research and development aim to create more sustainable and eco-friendly alternatives. Understanding the importance of synthetic fibers helps in appreciating their role in the economy, industry, and daily life, while also emphasizing the need for sustainable practices and innovation.
Welcome to TechSoup New Member Orientation and Q&A (May 2024).pdfTechSoup
In this webinar you will learn how your organization can access TechSoup's wide variety of product discount and donation programs. From hardware to software, we'll give you a tour of the tools available to help your nonprofit with productivity, collaboration, financial management, donor tracking, security, and more.
How to Split Bills in the Odoo 17 POS ModuleCeline George
Bills have a main role in point of sale procedure. It will help to track sales, handling payments and giving receipts to customers. Bill splitting also has an important role in POS. For example, If some friends come together for dinner and if they want to divide the bill then it is possible by POS bill splitting. This slide will show how to split bills in odoo 17 POS.
1. UOP QRB 501 Final Exam Guide NEW
Check this A+ tutorial guideline at
http://www.qrb501assignment.com/qrb-
501-uop/qrb-501-final-exam-guide-new
For more classes visit
http://www.qrb501assignment.com
1. Jorge makes a simple discount note with a
face value of $6000.00, a term of 240 days,
and a 10% discount rate. Find the discount.
Discount: $394.52
Discount: $0.00
Discount: $600.00
Discount: $400.00
2. 2. The following test scores were recorded for
a student: 79, 74, 72, 68, 74, 60, 70. Find the
mean, median, and mode.
• mean: 72, median: 68, mode: 74
• mean: 72, median: 71, mode: 79
• mean: 71, median: 68, mode: 79
• mean: 71, median: 72, mode: 74
3.Megan Hughes deposits $2300 in an account
that pays simple interest. When she
withdraws her money 8 months later, she
receives $2484.00. What rate of interest did
the account pay? Round to the nearest whole
percent.
12% per year
11% per year
14% per year
13% per year
3. 4. Christine is currently taking college
astronomy. The instructor often gives quizzes.
On the past seven quizzes, Christine got the
following scores: 53, 12, 41, 29, 18, 42,
57. Find the standard deviation.
5 Find the net price of a bicycle that lists for
$82.95 if a discount rate of 15% is offered.
Round to the nearest cent.
$12.44
$70.51
$12.69
$70.76
6 When finding the amount of change in
percentage problems, the percent is always
based on:
the final or ending amount in decrease
problems
4. the original or beginning amount
the original or beginning amount for increase
problems
the final or ending amount
7 An invoice received from Royal Exporters
totaled $638.20, was dated October 10, and
offered terms of 1/11 ROG. The shipment was
received November 27. If the invoice was paid
on December 12, find the net amount due.
Round to the nearest cent.
$631.82
$638.20
$6.38
$0
8 Sales of frozen pizza for a club fund-raiser
increased from 500 one year to 610 the next
year. What was the percent of increase?
5. 22%
82%
18%
78%
9 The circle graph above gives the inventory
of the women's department of a store. What is
the total inventory?
$107,865
$112,095
$74,730
$109,980
10 Find the maturity value of a loan of $6787
after 4 months. The loan carries a simple
interest rate of 14% per year.
$7103.73
6. $7024.55
$7106.39
$7182.91
11 The primary difference between an
annuity due and an ordinary annuity is:
I. when the money is paid into the annuity
II. the way the money is paid out of the
annuity
III. with an annuity due, payment is made at
the beginning of the period
III only
both I and III
I only
II only
7. 12 An invoice for a laptop computer that cost
$625.68 is dated September 15, with sales
terms of 3/10 EOM. If the bill is paid October
8, find the cash discount and net amount paid.
Round to the nearest cent.
Cash discount: $0; net amount: $625.68
Cash discount: $62.57; net amount: $563.11
Cash discount: $18.77; net amount: $ $606.91
Cash discount: $18.47; net amount: $614.68
13 Barbara knows that she will need to buy a
new car in 4 years. The car will cost $15,000
by then. How much should she invest now at
6%, compounded quarterly, so that she will
have enough to buy a new car?
$13,327.31
$12,594.29
$11,820.45
$11,208.87
8. 14 The bar graph below shows the percent of
income spent on leisure activities in various
countries of the world. In which country is the
highest percent of income spent on leisure
activities? What percent is this?
Japan; 24.4%
USA; 27.2%
China; 94.8%
USA; 72.8%
15 Find the range for the scores: 13, 23, 60,
46, 53, 75.
62
44
88
46
9. 16 Solve the problem. Round to the nearest
cent or tenth of a percent. Cost = $48.19;
selling price = $58.79. Find the markup and
the rate of markup based on the selling price.
Markup = $10.60
Rate of markup based on selling price =
18.0%
Markup = $21.20
Rate of markup based on selling price =
51.8%
Markup = $21.20
Rate of markup based on selling price =
22.0%
Markup = $10.60
10. Rate of markup based on selling price =
82.0%
17 Solve the problem. Round amounts to the
nearest cent and percents to the nearest tenth
of a percent. Cost = $5.22; Selling price =
$10.35. Find the markup.
Markup: $5.22
Markup: $15.57
Markup: $5.13
Markup: $10.35
18 Which month in 2010 had the lowest sales?
Month 12
Month 7
Month 3
Month 2
11. 19 Central Airlines offers a trade discount
series of 30/35/10 for frequent flyers. If a
round-trip airline ticket is $683, what is the
net price? Use the net decimal equivalent to
find the net price. Round to the nearest cent.
$512.25
$279.69
$403.31
$170.75
20 Enrique borrowed $3600 to put a down
payment on a motorcycle. The loan had a
simple interest rate of 8% for 2 years. Use the
formula I = prt to find the amount of interest
he will pay on the loan.
I = interest; p = principal; r = rate (expressed
as a decimal 0.08); t = time in years.
$4176
12. $576
$2880
$288
21 Solve the problem. Round amounts to the
nearest cent and percents to the nearest tenth
of a percent.
Cost = $4.04; Selling price = $7.12. Find the
markup and the rate of markup based on cost.
Markup: $7.12
Rate of markup based on cost: 56.7%
Markup: $11.16
Rate of markup based on cost: 36.2%
Markup: $3.08
13. Rate of markup based on cost: 76.2%
Markup: $3.08
Rate of markup based on cost: 43.3%
22 Solve the problem. Round amounts to the
nearest cent and percents to the nearest tenth
of a percent.
Markup = $16.15; Selling price = $95.00. Find
the cost.
Cost: $16.15
Cost: $95.00
Cost: $78.85
Cost: $111.15
23 Present value is best defined as:
14. all of these are appropriate definitions for
present value
the amount of a specified future value
compounded at a specified rate which can be
invested currently
the amount that must be invested now and
compounded at a specified rate and time to
reach a specified future value
the amount that must be invested per year
and compounded at a specified rate and time
to reach a specified present value
24 Sarah has made a budget for how much she
will spend on activities this summer. The
circle graph above shows how she has divided
up her spending money.
What percent of Sarah's budget is allocated
for movies?
50%
5%
15. 15%
10%
25 A number increased from 2553 to 5955 .
Find the amount of increase.
5402
3296
3396
3402
26 Find the interest paid on a loan of $2000
for 1 year at a simple interest rate of 7% per
year.
$140.00
$2140.00
$160.00
$14.00
16. 27 An invoice for $8630, dated October 5, was
received by a company with the terms 5/15
EOM. A decision was made to make a partial
payment of $400 on November 2. Find the
amount credited to the account and find the
outstanding balance. Round to the nearest
cent.
Credit: $380.00
Balance: $8250.00
Credit: $421.05
Balance: $8208.95
Credit: $400.00
Balance: $8230.00
Credit: $420.00
17. Balance: $8210.00
28 Which month in 2009 had the highest
sales?
Month 2
Month 5
Month 12
Month 9
29 Felipe Rivera's savings account has a
balance of $3159. After 4 years what will the
amount of interest be at 1.6% compounded
quarterly?
$25.27
$208.37
$199.37
$213.37
18. 30 Solve the problem. Round to the nearest
cent or tenth of a percent. An item sells for
$524.00 and is reduced to sell for $440.16.
Find the markdown amount and the rate of
markdown.
Markdown amount = $369.73
Rate of markdown = 84%
Markdown amount = $70.43
Rate of markdown = 16%
Markdown amount = $83.84
Rate of markdown = 16%
Markdown amount = $83.84
Rate of markdown = 84%