Martha ross took out a loan to pay for her child's education for $50,000. the loan would be repaid at the end of 9 years in one payment with an interest of 12 percent. the total amount martha has to pay back at the end of the loan is:

Answers

Answer 1
Given:
P = $50,000, the principal
r = 12% = 0.12, the interest rate
t = 9 years.

We are not given the compounding interval.
We shall consider two cases
(a) n = 12, monthly compounding
(b) n = 1, yearly compounding.

The value of the loan is given by
[tex]A = P(1 + \frac{r}{n} )^{nt}[/tex]

When n=12, obtain
A = 50000( 1 +0.12/12)¹⁰⁸ = $146,446.29
When n=1, obtain
A = 50000(1 +0.12)⁹ = $138,653.94

Answer:
$146,446.29 for monthly compounding.
$138,653.94 for yearly compounding.

Related Questions

In a large open economy, what is one of the reasons the demand curve for loanable funds is downward sloping

Answers

Answer: In a large open economy, a higher real interest rate makes borrowing more expensive; lower real interest rate encourages investment.

Lena and Joe are two of the partners in a business Lena makes $3 in profits for every $4 that Joe makes if Joe makes $60 profit on the first item they sell how much profit does Lena make?

Answers

Lena makes $45 profit.

Extra information:

The amount of profit Lena makes is 3/4th of the profit Joe makes, seeing as when Joe makes $4 profit, Lena makes $3 and $3 is 3/4th of $4. Therefore, when Joe makes a profit of $60, Lena makes a profit of (60 x 3/4) $45.

What is the process of getting a product to a consumer? A. Research B. Distribution C. Wholesale D. Subcontracting

Answers

i think it b distribution

The Correct answer is B....

This past summer, mcdonalds approached the university of florida about renaming ben hill griffin stadium mcdonalds field. mcdonalds offered uf $80 million over the next ten years for the naming rights to the stadium. uf declined the offer, but did agree, in exchange for $1 million, to have players, coaches and cheerleaders eat big macs on the sidelines, where the cbs and sunshine networks' cameras will show them on their game telecasts. this is an example of _____.

Answers

Publicity. Mcdonalds is a business and that a great move to make. Great advertisement for em and will make money back in know time. Once someone see at the game or on television the people eating mcdonalds will make em hungry for it as well.

The technique of showing players, coaches, and cheerleaders eating big Mac burger is known as product placement.

Further Explanation:

Product placement:

Product placement is a marketing technique where the goods are used as a reference in a video, audio that broadcast to the large customer base. When a huge number of people watch any live broadcast or video, the products are used in these telecasts to convey a positive message. Product placement helps in targeting a large number of customers via advertising.

Product placement is an effective marketing technique. It uses advertising through celebrities. Many people follow these celebrities. So it promotes the product among many people.

McDonald's and the University of Florida:

In the current case, the University of Florida accepts to allow its players, coaches, and cheerleaders to eat the big Mac while the camera films them during the game telecast. MacDonald is using the marketing technique of product placement. Its product (big Mac) will be telecast on the video telecast (Game).  

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Answer details:

Grade: Senior School

Subject: Business Studies

Chapter: Marketing Techniques

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Analysts use _____ to show the objects that participate in a use case and the messages that pass between the objects over time for one particular use case.

Answers

sequence diagrams. hope this helped <3

Historically, security officials in government and corporations were primarily concerned with fraud, credit card theft, and hackers. since 9/11, however, officials are much more concerned with:

Answers

Terrorism, in both international and domestic forms. This worry over the mass destruction of lives is seen in heightened security. One form of heightened security is more restrictions at airports to have a greater control on who flies and what they carry on their flight. Another form is seen in the amount of information that is now viewed by the government on individuals who may be suspect.

The correct answer is terrorism.

Historically, security officials in government and corporations were indeed primarily concerned with traditional security threats such as fraud, credit card theft, and hacking incidents. These threats were largely financial or related to personal data breaches, and they affected both individuals and organizations.

However, the tragic events of September 11, 2001, marked a significant turning point in the focus of security efforts. The coordinated terrorist attacks on the World Trade Center in New York City and the Pentagon in Washington, D.C., resulted in a profound shift in the perception of security threats. The scale and impact of these attacks brought terrorism to the forefront of national and international security concerns.

Since 9/11, there has been a heightened awareness and prioritization of counterterrorism measures. Security officials have become increasingly vigilant about the potential for further terrorist activities. This has led to the implementation of more stringent security protocols in various sectors, including aviation, infrastructure, and public events. The focus has expanded to include not only physical security measures but also cybersecurity measures to protect against terrorist use of the internet and digital technologies to plan and execute attacks or to spread propaganda and recruit new members.

The shift in focus has also been reflected in the allocation of resources, with significant investments in intelligence, surveillance, and emergency response capabilities to detect, prevent, and respond to terrorist threats. Additionally, there has been increased cooperation and information sharing between national security agencies and international partners to combat terrorism on a global scale.

In summary, while traditional security concerns like fraud and hacking remain important, the emphasis on preventing and responding to terrorism has become a central priority for security officials in the post-9/11 world.

Who can help me? It will be greatly appreciated.

Answers

Hello!

I believe the correct answer is: Consumer Market.
(Confirmed by three resources).

I really hope this helped you out! :)

Jordan routinely eats an early lunch around 11:00 am. even if there's no clock in sight, jordan can tell when it's almost 11:00 am because he feels hungry and wants to eat. what explanation accounts for this?

Answers

Given that Jordan routinely eats an early lunch around 11:00 am. Even if there's no clock in sight, Jordan can tell when it's almost 11:00 am because he feels hungry and wants to eat.

The explanation that accounts for this is Jordan has become classically conditioned so that the time of the day, 11 AM, is a conditioned stimulus (CS) for him, triggering internal bodily changes that increase his desire to eat.

Which category would the combination of employee benefits and payments fall under?

Answers

Employee benefits and payments are categorized under total compensation, which includes supplemental pay, insurance (health benefits), retirement and savings, and legally required contributions. From the 1950s to 2008, there has been a shift in compensation structure from primarily wages to a significant portion in benefits, roughly 20% of total compensation.

The combination of employee benefits and payments would generally fall under the category of total compensation. This includes various categories such as supplemental pay, insurance (which primarily involves health benefits), retirement and savings plans (encompassing both defined benefit and defined contribution plans), and legally required contributions (like employer payments to Social Security, unemployment, and worker's compensation insurance, as well as Medicare).

The structure of employee compensation has evolved considerably, with a significant shift from a majority being in wages and salaries (1950s) to a substantial portion being in benefits. It's highlighted that in the 1950s, benefits accounted for approximately 5% of total compensation, whereas by 2008, they represented about 20%. Additionally, considerations such as pension insurance ensure that employers contribute to the Pension Benefit Guarantee Corporation to protect employees' pensions in cases of bankruptcy.

Furthermore, the payroll taxes are typically divided into two groups: deductions from the employee's wages and taxes that the employer pays based on the employee's wages. Recognizing the components of total hourly compensation and the changes over time is essential for understanding the full scope of employee compensation practices.

When managers are considering the optimal product mix, they are most concerned with
a. balancing productive capacity.
b. maximizing profit.
c. maximizing revenue.
d. minimizing selling and administrative expense.
e. minimizing cost?

Answers

Product mix refers to different varieties of products offered by a manufacturer or retailer to their customers. An optimal product mix is very important for a company to maximize their revenue. It also helps the company to meet the requirement of its customers.

When managers are considering the optimal product mix, they are most concerned with maximizing revenue.

This month, grass is greener lawn service pays cash for $4,000 of grass fertilizer to be used two months from now. what journal entry will grass is greener record this month?

Answers

To record this financial transaction, the Grass is greener SHOULD DEBIT SUPPLIES ACCOUNT FOR $4000 AND CREDIT CASH ACCOUNT FOR $4000.
The supplies account will be debited because the item bought fall into the category of supplies that the company use; the cash account will be credited because the item was paid for in cash.

Final answer:

The journal entry records a debit to Prepaid Expenses for $4,000 and a credit to Cash for $4,000, reflecting the purchase of fertilizer to be used in future periods. This follows the matching principle of accounting.

Explanation:

When Grass is Greener Lawn Service pays cash for $4,000 of grass fertilizer to be used two months from now, it means that the company is making a prepaid expense. The journal entry to record this transaction will show an increase (debit) in an asset account and a decrease (credit) in another type of asset, specifically cash. Therefore, the journal entry will be as follows:

Prepaid Expenses: $4,000 (Debit)

Cash: $4,000 (Credit)

The debit to Prepaid Expenses increases this asset account, reflecting that the company now holds an asset that will be used in future accounting periods. The credit to Cash represents a decrease in the company's cash balance, as they have paid out cash to acquire the fertilizers. This transaction follows the accounting principle that expenses should be matched with the revenue they help to generate, which, in this case, will occur over the next growing months as the fertilizer is used.

What percent of customers bought anything from the last catalog? 2. what was the average $ order size bought from the last catalog across all 96,551 customers? tuscany lifestyles?

Answers

1.       What percent of customers bought anything from the last catalog?

Fom this last catalog, 2.5% of the costumers bought.

2.       What was the average $ order size bought from the last catalog across all 96,551 customers?

The average dollars ordered from this catalog was $104.24 per buying customer.

In communicating the unique customer benefits of its various products to its target segments, thermos is defining its ________, which is an important element of its overall _______ strategy.

Answers

If this is the complete question,
In communicating the unique customer benefits of its various products to its target segments, Thermos is defining its ________, which is an important element of its overall _______ strategy.
A. target market; positioning
B. value proposition; positioning
C. value proposition; perceptual mapping
D. value proposition; segmentation
E. value proposition; targeting

The answer is.
In communicating the unique customer benefits of various product to its target segments. Thermos is defining its target market, as an important element of overall positioning strategy. According to Investopedia, it is defined as the market a company wants to sell its products and services to, and it includes a targeted set of customers for whom it directs its marketing efforts.

Final answer:

Thermos is articulating its value proposition as part of its marketing strategy, which communicates the unique benefits of its products to its target consumer segments. The value proposition and the targeted marketing are essential in highlighting the product's unique features and aligning with the company's broader business goals.

Explanation:

In communicating the unique customer benefits of its various products to its target segments, Thermos is defining its value proposition, which is an important element of its overall marketing strategy. The value proposition of a product is the perceived worth that the customer acknowledges from the product, which includes factors beyond monetary value, like satisfaction of a need, convenience, or lifestyle enhancement.

These product benefits are geared towards a specific target consumer group, whose psychographics and demographics match the company's ideal customer profile. The value proposition emphasizes the unique advantages or features such as absorbency in paper towels, or the exclusivity of fries at a McDonald's, making them stand out in the competitive market.

A vital component of creating a successful marketing strategy, especially when considering various advertising strategies such as product-oriented or consumer-oriented strategies, is the careful articulation of a value proposition. Whether it's reinforcing a brand lifestyle or showcasing product superiority, these strategies must reflect the company's broader goals and efforts, such as environmental protection, effective communication, and reputation management.

Considering the lifecycle of a product or service also allows for a more comprehensive understanding of its value as the company considers stages from development to end-of-life. Porter's focus strategy also highlights the importance of targeting a specific market segment to leverage competitive advantages and cater to unique customer preferences.

When a firm is consistently more profitable than its competitors, it has achieved?

Answers

This is sustainable competitive advantage. These are types of offerings that give a company a benefit that other companies are unable to match. These offerings become sustainable when the company can continually give them to the customer over a long-term period without suffering losses to the bottom line.

Students who are trying to raise funds have an agreement with a local pizza chain. The chain has agreed to sell them pizzas at a discount, which the students can then resell to families in the local community for a profit. 

Answers

I think that this is a great way to raise funds. This agreement between the students to buy pizzas at a discounted prices and then resell them at full price provides the students with the ability to raise money for their school or program. This is also an incentive for the Pizza chain because they will get exposure to a larger number of people.

Why would multinationals be interested in setting up operations in mexico? give two reasons. would cultural differences be a major stumbling block for u.s. mncs doing business in mexico?

Answers

I would say that multinationals especially Canadian mining companies are anxious to set up operations in Mexico due to cheap labour, a government that favors foreign investment and rich mineral resources.

Organizations in rapidly changing environments tend to have ____ management processes

Answers

Organic management practices are very flexible which allows for frequent changes in the structure, organization and processes. When compared to mechanistic organization which is structured around a hierarchy and contibuters perform specific roles, organic structures are centered around external factors and normally avoids layers of supervisors and managers on a ranking system.

Matt loves nike. not only does he own ten pairs of nike sneakers, his entire wardrobe is made up of nike clothing. he owns t-shirts, socks, hats, and athletic pants, all with the nike swoosh. matt's obsession with nike can best be described as:

Answers

If MAtt is obsessed with Nike then he is a loyal customer of Nike and won't switch to another. There is a term used for this in Marketing called Brand Loyalty which says:
Brand loyalty is defined as positive feelings towards a brand and dedication to purchase the same product or service repeatedly now and in the future from the same brand, regardless of a competitor’s actions or changes in the environment. It can also be demonstrated with other behaviors such as positive word of mouth advocacy. Brand loyalty is where an individual buys products from the same manufacturer repeatedly rather than from other suppliers. Businesses whose value rests in a large part on their brand loyalty are said to use the loyalty business model.

Based on the fact that Matt is obsessed with getting Nike apparel, this is most likely Brand Loyalty.

What is Brand Loyalty?

This refers to a situation where we only buy a single brand because we have very strong positive feelings towards it.

Matt is very positive towards the Nike brand which is why he keeps buying their products. From t-shirts, to hats and pants. Matt therefore has very strong brand loyalty.

Find out more on brand loyalty at https://brainly.com/question/25707409.

The broker is acting as a transaction broker. as a transaction broker, he/she is:

Answers

The broker is acting as a transaction broker. As a transaction broker, he/she is:


not responsible for any part of the closing
responsible for all aspects of the closing
to let the buyer beware
to let the seller beware
responsible for all aspects of the closing

As a transaction broker, the broker is: Facilitating the transaction without representing the interests of any party to the transaction.

The transaction broker provides services to both parties, but does not represent either party and has no fiduciary duty to either party. The transaction broker must treat all parties honestly and fairly, providing them with accurate information and answering any questions they may have. However, the transaction broker does not owe the same level of loyalty and advocacy as a broker who is acting as an agent for a client.

 In this role, the transaction broker assists in the negotiation and closing of the transaction, but does not advise either party on how to get the best deal. The transaction broker's primary responsibility is to ensure that the transaction proceeds smoothly and that all parties are informed and in agreement with the terms of the deal. This type of brokerage relationship is often used in real estate transactions where the broker facilitates the sale or purchase of property without representing either the buyer or the seller in a fiduciary capacity.

Table 13-13 teacher's helper is a small company that has a subcontract to produce instructional materials for disabled children in public school districts. the owner rents several small rooms in an office building in the suburbs for $600 a month and has leased computer equipment that costs $480 a month. output (instructional modules per month) fixed costs variable costs total cost average fixed cost average variable cost average total cost marginal cost 0 $1,080 1 $1,080 $ 400 $1,480 $400 2 $965 $450 3 $1,350 $2,430 4 $1,900 $475 5 $2,500 $216 6 $4,280 $700 7 $4,100 8 $5,400 $135 9 $7,300 10 $10,880 $980 refer to table 13-13. what is the marginal cost of creating the tenth instructional module in a given month

Answers

Marginal cost is the cost added by creating one extra unit of a manufactured goods or service.
So it will be computed by:
When Q=10, TC=10,880
So, TVC 10= TC-TFC
= 10,880 - 1,080 = 9,800
When Q=9, TVC9=7,300
=> MC of 10th unit = TVC 10 – TVC 9= 98,000 - 7,300
= 2,500

Sydney saved $10,000 during her first year of work after college and plans to invest it for her retirement in 40 years. how much will she have available for retirement if she can make 8% on her investment?

Answers

Given:
P = $10,000, the principal
t = 40 yers, time duration
r = 8% = 0.08, the interest rate
Assume that
n = 12, monthly compounding.

The value after 40 years is
[tex]A=P(1+ \frac{r}{n} )^{nt}[/tex]
nt = 12*40 = 480
1 + r/n = 1 + 0.08/12 = 1.0066667
A = 10000*1.0066667⁴⁸⁰ = $242,737.71

Answer:  $242,737.71

Harmony forge manufactures saddles for show horses. the company has received a special order for 290 saddles for an international competition. each of these saddles would include the specialized logo of the competition. last year harmony produced 710 saddles, and the company has the capacity to produce 1,000 saddles per year. harmony's saddles normally sell for $650 each, but the special offer is for $179,800 ($620 per saddle). the controller has provided information to management that estimates the variable cost per saddle is $435; fixed manufacturing overhead is $60/saddle. of the fixed costs assigned to this special order, $15,950 is for the specialized logos, the remainder is attributable to costs that will be incurred regardless of whether the special order is produced. what is the operating income generated by the special order?

Answers

Final answer:

For the special saddle order would generate an operating income of $37,700. This is calculated by subtracting the total variable costs and the cost of the specialized logos from the total revenue.

Explanation:

The question is asking about the operating income generated by the special order that Harmony Forge received. Operating income can be calculated by subtracting all direct costs (both fixed and variable) from the total revenue. For this special order, the total revenue is $179,800 ($620 per saddle for 290 saddles). The variable cost per saddle is $435, so the total variable cost is $126,150 ($435 * 290). Of the fixed costs, $15,950 is for the specialized logos which is a necessary expenditure for the order and the rest, even if it is calculated per saddle, would be incurred whether the order happens or not, so it is not deducted in calculating operating income. Therefore, we subtract the variable cost and cost of logo from the total revenue to calculate our operating income,  which is $37,700 ($179,800 - $126,150 - $15,950).

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Do you think zappos is a decentralized or centralized organization? do you think it should change? explain your answer.

Answers

I believe Zappos is a decentralized organization. It allows it employees be involved in every step the company makes and allows flexibility For the worker to accomplish their tasks. I think Zappos is doing a great job having a decentralized organization. It has a unique system and unique products, therefore it needs to have all its employees and top level management informed of all its products and business engagements.

The operating range of an engine from startup until shutdown is called

Answers

This is the drive cycle. This typically simulates the driving of a vehicle on freeway conditions as a way of testing the readiness of the engine. Any issues that may take place during this test usually bring about a check engine light or some similar message that instructs the user to have the car serviced.

Could the product flow operate independently from other channel flows?

Answers

It could, as long as it fulfills these two conditions
- The products could generate enough profit without the boost that givenn by other channel flows.
- The independent operation would not cause a decrease in profit for other channels flow because eventually, business owners only want to do the combination that bring the most profit.

Final answer:

Although product flow can seem autonomous in certain contexts, it is usually interconnected with other channel flows such as information, finance, or negotiation flows. This interconnectedness is seen in business operations, fluid dynamics of open-channel flows, and even in chemical reactions. Complete independence is rarely possible due to these inherent interdependencies.

Explanation:

Product Flow Independence In Various Systems

In the business context, particularly regarding supply chain management and operations, the concept of product flow pertains to the movement of goods from the supplier to the customer. The potential for a product flow to operate independently from other channel flows, such as information, finance, or negotiation flows, can vary based on the organization's structure and the complexity of the supply chain. In some cases, the product flow may appear to be autonomous due to direct distribution methods like direct drop shipping or through a simplified distribution network. However, more commonly, product flow is deeply interconnected with other channel flows. For instance, inventory management systems (part of the informational flow) are often crucial in determining when to reorder products, which in turn affects the physical flow of goods.

Within a banking system, product units may have their own budgets and IT resources, allowing for a degree of autonomy in managing product and co-product flows. Yet, this autonomy is usually within a framework of interdependence since cross-directional interdependencies might require negotiation with other product units. Similarly, in open-channel flows of fluid dynamics, which exemplify the movement of water or other fluids in a channel open to the atmosphere, there is a direct correlation with the surrounding environment, showing that even simple physical product flows are influenced by external conditions. These examples highlight that complete independence of product flow from other channel flows is rarely possible due to the inherent interdependencies within systems.

Regarding product distribution, the mode of delivery, whether it's an in-person transaction, distributed through a mail system, or placed on a supermarket rack, will also influence and be influenced by other flows such as marketing and financial transactions. The distribution strategy reflects the interconnectedness of product flow with other channel flows.

Considering chemical processes, such as the determination of chloride in water using a single-channel manifold, the carrier stream not only transports the sample to the detector but simultaneously also reacts with it. This illustrates that while the product (in this case, the reaction product of the chloride test) is part of an independent process, it is also influenced by the carrier stream that enables analysis, representing another example of interdependency in flow dynamics.

At Johnson​ Brothers, a manufacturer of outdoor​ furniture, one department is responsible for cutting the wood according to pattern. Another department is responsible for staining and finishing the wood. Another department is responsible for assembling the stained wood pieces. Based on this​ information, what type of departmentalization does Johnson Brothers​ use?

Answers

Johnson Brothers outdoor furniture manufacturing consists of the following departments:
- Cutting department
- Staining and finishing department
- Assembling department

As group activities were perform as per function. This departmentalization is regarded as Functional Departmentalization.

Control based on the use of pricing mechanisms and economic information is referred to as:

Answers

It is referred as market control

Market system control utilizes pricing mechanisms to disseminate information and allocate resources efficiently, with prices reflecting the relative scarcity of goods and services. However, price controls can distort market signals and misallocate resources.

Control based on the use of pricing mechanisms and economic information is referred to as market system. The market system utilizes prices which are influenced by supply and demand to allocate resources efficiently. These prices provide information about the relative scarcity of various goods and services, which allows market participants to make informed decisions without needing to understand the underlying reasons for price changes. Price controls, such as price ceilings and price floors, however, can distort these signals, hiding the true scarcity of products and often leading to a misallocation of resources.

Incentives play a crucial role in the market system, with price changes influencing consumer behavior. For instance, if the cost of business class seats on an airline drops, customers may be incentivized to upgrade. This principle is widely recognized by economists, who argue that the price mechanism not only disperses information but also helps in coordinating the actions of different market actors effectively.

An analysis of variance produces ssbetween = 40 and msbetween = 20. in this analysis, how many treatment conditions are being compared?​

Answers

An analysis of variance produces SSbetween = 40 and MSbetween = 20. In this analysis, how many treatment conditions are being compared?  There are 3 treatments being compared in this analysis of variance from SSbetween = 40 and MSbetween = 20.

Why does amount of debt or money owed have as much weight as credit history in determining a person’s credit score?

Answers

Your debt to income ratio determines how likely you are able to make your payments. When a high percentage of your available credit is been used, this can indicate that your money is overextended, and you may be more likely to make late and or missed payments.

Because  debt to income ratio determines how likely you are able to make your payments.

AS your debt to income ratio become higher, the less likely the credit providers would loan their money to you since they would doubt that you have enough left from your income to pay them back.

As an industry standard, most credit providers in united states would see you as 'financially healthy' if your debt to income ratio does not exceed 36%.

The process of converting an amount given at the present time into a future value is called

Answers

Answer:  "compounding" .
_______________________________________________
Hey Calebwando

It is called "Compounding"
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