## Which of the following statements regarding a 30-year monthly payment amortized mortgage with a nominal interest rate of 10% is CORRECT

Question 1

- Which of the following statements regarding a 30-year monthly payment amortized mortgage with a nominal interest rate of 10% is CORRECT?
Answer

The monthly payments will decline over time. A smaller proportion of the last monthly payment will be interest, and a larger proportion will be principal, than for the first monthly payment. The total dollar amount of principal being paid off each month gets smaller as the loan approaches maturity. The amount representing interest in the first payment would beæhigheræif the nominal interest rate were 7% rather than 10%. Exactly 10% of the first monthly payment represents interest.

2 points

### Question 2

- Which of the following statements is CORRECT?
Answer

A time line is not meaningful unless all cash flows occur annually. Time lines are useful for visualizing complex problems prior to doing actual calculations. Time lines cannot be constructed in situations where some of the cash flows occur annually but others occur quarterly. Time lines cannot be constructed for annuities where the payments occur at the beginning of the periods. Some of the cash flows shown on a time line can be in the form of annuity payments, but none can be uneven amounts.

2 points

### Question 3

- Which of the following statements is CORRECT?
Answer

The cash flows for an ordinary (or deferred) annuity all occur at the beginning of the periods. If a series of unequal cash flows occurs at regular intervals, such as once a year, then the series is by definition an annuity. The cash flows for an annuity due must all occur at the ends of the periods. The cash flows for an annuity must all be equal, and they must occur at regular intervals, such as once a year or once a month. If some cash flows occur at the beginning of the periods while others occur at the ends, then we have what the textbook defines as aævariableannuity.

2 points

### Question 4

- You plan to invest some money in a bank account.æ Which of the following banks provides you with the highest effective rate of interest?
Answer

Bank 1; 6.1% with annual compounding. Bank 2; 6.0% with monthly compounding. Bank 3; 6.0% with annual compounding. Bank 4; 6.0% with quarterly compounding. Bank 5; 6.0% with daily (365-day) compounding.

2 points

### Question 5

- You are considering two equally risky annuities, each of which pays $5,000 per year for 10 years.æ Investment ORD is an ordinary (or deferred) annuity, while Investment DUE is an annuity due.æ Which of the following statements is CORRECT?
Answer

The present value of ORD must exceed the present value of DUE, but the future value of ORD may be less than the future value of DUE. The present value of DUE exceeds the present value of ORD, while the future value of DUE is less than the future value of ORD. The present value of ORD exceeds the present value of DUE, and the future value of ORD also exceeds the future value of DUE. The present value of DUE exceeds the present value of ORD, and the future value of DUE also exceeds the future value of ORD. If the going rate of interest decreases from 10% to 0%, the difference between the present value of ORD and the present value of DUE would remain constant.

## I don’t understand how to do this.

## What are the variable naming rules of visual basic, python and java?

## Psy 315 week 2 dq 1 and 2 need asap

Psy 315 week 2 ædq 1 and 2 need asap

*What do the terms mean, median, or mode mean? What do they have in common and how are they different? Please give examples.*

*What does probability mean? How is it defined? Please give examples.*

## How does Congress exercise indirect power over the states

## Thompson Enterprises has

Thompson Enterprises has $5,000,000 of bonds outstanding. Each bond has a maturity value of $1,000, an annual coupon of 12.0%, and 15 years left to maturity. The bonds can be called at any time with a premium of $50 per bond. If the bonds are called, the company must pay flotation costs of $10 per new refunding bond. Ignore tax considerations–assume that the firm’s tax rate is zero. The company’s decision of whether to call the bonds depends critically on the current interest rate on newly issued bonds. What is the breakeven interest rate, the rate below which it would be profitable to call in the bonds? a. 9.57% b. 10.07% c. 10.60% d. 11.16% e. 11.72%

## A firm that sells e-books books in digital

A firm that sells e-books books in digital form downloadable from the Internet sells all e-books relating to do-it-yourself topics (homeæplumbing, gardening, and so on) at the same price. At present, the company canæearnæa maximum annual profit of $25,000 when it sells 10,000 copies within a years time. The firm incurs a 50-cent expense each time a consumer downloads a copy, but the company must spend $100,000 per year developing new editions of the e-books. The company has determined that it would earn zero economic profits if price were equal to average total cost, and in this case it could sell 20,000 copies. Under marginal cost pricing, it could sell 100,000 copies. a. In the short run, what is the profit-maximizing price of e-books relating to do-it-yourself topics? b. At the profit-maximizing quantity, what is the average total cost of producing e-books?

## An international strategy can take many forms

An international strategy can take many forms. Explain what a global strategy is and how is it different from a multi-domestic strategy. What are the traditional ad emerging reasons/motives that firms expand internationally?

## What are some of the special

What are some of the special features of competing in foreign markets?

## An investor is considering the acquisition

An investor is considering the acquisition of a “distresses property” which is on Northlake Bank’s REO list. æThe property is available for $200,000 and the investor estimates that he can borrow $160,000 at 8% intgerest and that the property will require the following total expenditures during the next year:

Inspection – $500Loan Interest – $12,800

Title Search – $1,000Insurance – $1,800

Renovation – $13,000Property taxes – $6,000

Landscaping – $800Selling expenses – $8,000

a) æThe investor is wondering what such a property must sell for after one year in order to earn a 20% return (IRR) on equity. æWhat other issues must be considered?

b) æThe lender now is concerned that if the property does not sell, he may have to carry the property for one additional year. æHe believes that he could rent it and realize net cash flow before debt service of $1,200 per month. æHowever, he sould have to make an additional $12,800 in interest payment on his loan during that time, and then sell. æWhat would the price have to be at the end of year 2 in order to earn a 20% IRR on equity?

## Planned change management programs

Planned change management programs that are attempting to make large-system cultural changes in an organization are among the most difficult to manage. When addressing cultural issues, it is important to understand the current large-system and subsystem cultures, plan for a process that leads to a new cultural norm, and determine what steps to take to transition the culture.

One example of a large cultural shift might be an organization growing from being a family-owned, small-to-midsize organization to a publicly traded organization with international locations. Create a presentation that addresses the following issues associated with such a change:

- What steps would you take to diagnose the current culture?
- Discuss the elements of an organizational culture.
- How would you identify which elements of culture need to be addressed in this large system change?
- What recommendations do you have for the organization as it manages the system changes as they relate to cultur

## Complete the simulation

Complete the simulation, Using Perceptual Maps in Marketing, located on the student website.———— Write a 1,050-word summary in which you address the following for each of the three major phases in the simulation:——– äó¢ The situation—— äó¢ Your recommended solutions, including why——– äó¢ Your results———- Summarize the different marketing components addressed in this simulation by answering the following questions:———- äó¢ What is the relationship between differentiation and positioning of products or services? Is the repositioning of the product in the simulation as you had expected it to be? Explain why or why not.————- äó¢ What is the effect of the product life cycle on marketing? What effect did the product life cycle have on the product in the simulation?———– Format your paper consistent with APA guidelines.Complete the simulation, Using Perceptual Maps in Marketing, located on the student website.———— Write a 1,050-word summary in which you address the following for each of the three major phases in the simulation:——– äó¢ The situation—— äó¢ Your recommended solutions, including why——– äó¢ Your results———- Summarize the different marketing components addressed in this simulation by answering the following questions:———- äó¢ What is the relationship between differentiation and positioning of products or services? Is the repositioning of the product in the simulation as you had expected it to be? Explain why or why not.————- äó¢ What is the effect of the product life cycle on marketing? What effect did the product life cycle have on the product in the simulation?———– Format your paper consistent with APA guidelines.Complete the simulation, Using Perceptual Maps in Marketing, located on the student website.———— Write a 1,050-word summary in which you address the following for each of the three major phases in the simulation:——– äó¢ The situation—— äó¢ Your recommended solutions, including why——– äó¢ Your results———- Summarize the different marketing components addressed in this simulation by answering the following questions:———- äó¢ What is the relationship between differentiation and positioning of products or services? Is the repositioning of the product in the simulation as you had expected it to be? Explain why or why not.————- äó¢ What is the effect of the product life cycle on marketing? What effect did the product life cycle have on the product in the simulation?———– Format your paper consistent with APA guidelines.Complete the simulation, Using Perceptual Maps in Marketing, located on the student website.———— Write a 1,050-word summary in which you address the following for each of the three major phases in the simulation:——– äó¢ The situation—— äó¢ Your recommended solutions, including why——– äó¢ Your results———- Summarize the different marketing components addressed in this simulation by answering the following questions:———- äó¢ What is the relationship between differentiation and positioning of products or services? Is the repositioning of the product in the simulation as you had expected it to be? Explain why or why not.————- äó¢ What is the effect of the product life cycle on marketing? What effect did the product life cycle have on the product in the simulation?———– Format your paper consistent with APA guidelines.

## Assignment: Interest Rate Swaps

Assignment: Interest Rate Swaps.info: provides a brief description of interest rate swaps. Review the ABS swaps link and design a swap that could potentially be used in your company acquisition. Provide an analysis to Dorchesteer, Inc. management advising them of the swap options you have selected and why it would be suitable for the acquisitin?

## Research a multinational corporation

Research a multinational corporation. Then, answer the following questions:

- How do the changing technology and the falling barriers to trade and investment reflect the success of this company?
- How does the company show corporate social responsibility in terms of labor conditions, human rights, fair trade, and the environment?
- What actions can a multinational corporation take that would make globalization a positive development for the global economy?

## I need the following question answered

I need the following question answered , it only has to be a couple of paragraphs long not more than 300 words. No plagarism plzz.

According to Masahiro Inoue, President and CEO of Yahoo Japan, äóìYang (Jerry Yang, co-founder of Yahoo!) understood it was critical to be first. We knew catching up with a front runner is hard, because in auctions, more buyers bring some sellers.äó Examine the disadvantages of not being the first mover in online auctions, with reference to eBay in Japan.