Answer:
$98,340.00
Explanation:
(Current price)$82500.00x 4.8% (Rate ach year)= $3960 (each year for 4 years)
$3960+$3960+$3960+$3960=$15840
$82500+$15840=$98340
as investors approach retirement age, they are often more interested in portfolios. a. aggressive b. international c. cash d. conservative e. growth-oriented
d. As investors approach retirement age, they are often more interested in conservative portfolios.
Conservative portfolios are well suited for investors approaching retirement age as they typically involve investments that are low risk and low return.
These types of portfolios generally contain a mix of fixed-income investments such as bonds, cash, and money market investments, as well as some stocks or equity investments.
By investing in these low-risk investments, an investor can minimize the potential of dropping in value and preserve their retirement savings. Additionally, conservative portfolios can still provide some growth opportunities by investing in stocks and equity investments.
By building a portfolio that is tailored to the investor’s risk tolerance level and goals, they can ensure that their money is protected while still receiving some growth.
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In the "pay yourself first" budgeting strategy, what is the first thing you do with your money each month
Treat yourself to an item you've been wanting to buy
Put money into your savings account
Pay all of your bills
Take cash out to have in your wallet
Answer:
Put money in a savings account
Explanation:
While t’s critical to pay all your bills on time, planning for your future can’t always take the back seat. When you pay yourself first, you pay yourself (usually via automatic savings) before you do any other spending. In other words, you are prioritizing your long-term financial well-being.
You may not immediately see the benefit of paying yourself first, but don't get discouraged. If a financial emergency arises, this strategy can help you weather the storm. Ultimately, paying yourself first is about putting yourself first, which helps make sure you’re prepared for whatever’s yet to come.
What are the benefits of short term investing and long term investing?
Short-term investing allows the investor more freedom because there is no waiting time before the investment matures. However, the investor receives less money when selling long-term investments on the secondary market.
Why are short-term investments preferable to long-term ones?The only other way to quickly accumulate wealth is through the financial markets. The lengthy process of investing takes patience, commitment, and careful consideration. Your wealth opens the door to both short- and long-term investment opportunities.
Both investing strategies have several advantages and disadvantages. Market experts advise doing sufficient research before making investments. What is suitable for one investor might not be in line with your financial objectives. You must therefore take into account both your ability to take risks and your overall objectives.
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Which type of economy deals with the rest of the world open or closed?
The type of economy that will be likely to deal with the rest of the world is an open economy
An open economy interacts with other nations in a variety of ways. Open economies interact with the rest of the world, which implies that the movement of goods, services, wages, etc. is not limited to a country's own area but also includes other nations.
Both a mature and emerging open economy is possible. For instance, India, a developing nation, interacts with the rest of the globe. Likewise, the United States, a developed nation, interacts with the rest of the globe or the world.
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in your position of office manager at a legal firm, you are in charge of hiring temporary legal assistants and clerical workers. describe how simon's decision-making process applies to this decision. could that decision be aided by an information system in any way, and if so, how?
The process of choosing a course of action involves identifying a decision, acquiring data, and weighing potential answers.
What is the decision-making process?Making decisions involves:
Intelligence, or problem-solving ability: How many temporary workers are required, for how long, and what qualifications are required?Design, or problem-solving exploration: Which temp agencies are offered, and what are their costs?Options or selecting solutions: Consider the services provided by temp agencies and assess the skills of temporary workers in light of the situation. Implementation, or solution testing: Compare each temporary employee's work to their assignments and other requirements.
This procedure would be aided by an information system that offered the available temps for hire along with relevant details like rate, previous assignments, and assessments.
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homeowner's insurance covers all except a. personal property b. injuries to others c. additional living expenses d. automobiles e. other structures on the property
Homeowner's insurance covers all except B. Injuries to others. If someone else is injured, then it is included in the personal insurance.
Insurance is an agreement between two or more people in which the insured party pays contributions/contributions/premiums to receive compensation for the risk of loss, damage or loss, which may occur as a result of unexpected events. Insurance cannot eliminate the risk of unexpected events occurring, but insurance can reduce the impact of losses arising from these events, whether on a small or large scale. Now insurance has become part of financial planning for some people for the long term.
One type of insurance is Health Insurance. Health insurance provides protection by guaranteeing health and care costs for the insured if he has an accident or falls ill. This type of insurance is mostly provided by companies or agencies where a person works.
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What are some risk factors you can control?
Stroke is a main source of disability and demise around the world, killing almost 6,000,000 individuals every year, and leaving another 5 million for all time debilitated.
There are two sorts of chance variables for the improvement of coronary conduit illness - those you have no control over and those you can.
The "uncontrollable" risk factors are:
Age (the gamble increments with age)Orientation (men foster computer aided design 10 years sooner than ladies)Family ancestry (hereditary inclination and normal ways of life increment risk)Race (frequency is more prominent in certain gatherings of African Americans, Hispanics, Asian Americans, local Native Americans,)The "controllable" risk factors are:
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Are subsidies opposite of a tax?
Which Agile framework breaks the workload into smaller increments to improve team focus and simplify testing in brainly?
Scrum is an agile framework that divides work into manageable chunks to enhance team concentration and streamline testing.
A comprehensive method for precisely planning, organising, and completing any activity may be referred to as an agile framework. It was designed with teams and organisational procedures in mind.
The entire query is as follows: Design Thinking, Scrum, Waterfall, Devops, and I'm still learning about this. Scrum is portrayed as a framework that enables team members to collaborate in a particular setting. It makes use of the idea of creating a team to learn from experiences, self-organizing, and thinking about the team's successes and failures at the same time.
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In a paragraph response below, describe how the structure and organization of this text affected the listening/reading experience. How did it enhance the message behind the speech?
Text structures describe how writers arrange information in their texts. Understanding the fundamental organization of texts can assist students in concentrating on important ideas and relationships, anticipating what will come next, and keeping track of their knowledge as they read.
What is text structure?Text structures describe how writers arrange information in their texts. Students may concentrate on important ideas and relationships, anticipate what will happen next, and keep track of their knowledge as they read by understanding the underlying structure of texts.
Sequential, narrative, time, proposition/support, compare/contrast, problem/solution, order/chronology, cause/effect, inductive/deductive, and study are a few examples of text structures.
Academic writing must have a solid structure. A coherent document in academic writing must have a clear structure and logical flow.
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the digby company has just purchased $40,900,000 of plant and equipment that has an estimate useful life of 15 years. the expected salvage value at the end of 15 years is $4.090.000. what wil the book value of this purchase (exclude all other plant and equipment) be after its second year of use? (use fasb gaap)
$33,538,000 is the correct answer. This purchase's plant and equipment have a book value of $33,538,000.
What exactly does "book value" mean?Book Price The value of a corporation as it appears on its financial records and is derived from its books or accounts is referred to as "book value." Theoretically, if they sold all of the company's assets to cover all of its liabilities, investors would get this much.
How do book value and market value differ?A corporation can be valued using both book value and market value. Market value is based on a company's share price, which fluctuates frequently as a result of stock market emotion, as opposed to book value, which is based on a company's balance sheet. An objective measure of a company's financial health based on its assets is book value.
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Amazon and Orbitz are both part of _______ marketing channels
A strategic alliance of channels implies.The marketing channel of a company is used as the marketing channel for commercial products/services.
There are 2 types direct marketing producer-consumer,and indirect producer-intermediary-consumer.Indirect Marketing Channels Channels with one or more intermediaries.Channel members bridge the time, place, and possession gaps that exist between producer and consumer.Create time,place,form,and ownership utility for shoppers Amazon.com Direct Marketing Channels.A marketing channel is a business structure of organizations that extend from the point of production to the consumer.Intermediaries negotiate with each other, buy and sell products, and facilitate the change of ownership between the buyer and the seller.
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What is Article 10 of the Code of Ethics?
In order to provide professional services and in employment practices, REALTORS® are forbidden by Article 10 from discriminating on the grounds of race, color, religion, sex, handicap, familial position, national origin, sexual orientation, or gender identity.
What is an article 10?Your freedom to have your own opinions and to voice them openly and freely without interference from the government is protected under Article 10. This includes the freedom to publicly express your opinions, such as through rallies and protests, or through written works like novels, essays, or pamphlets. broadcasting on radio or TV. Abuse and neglect of children are covered in Article 10 of New York's Family Court Act. But not all incidents involving physical punishment of minors fall into this category. A parent's ability to give their child the proper care is frequently questioned. According to New York's Family Court Act, child abuse or neglect is defined as any action—or inaction—by a parent or other caregiver that results in the death, serious physical or mental harm, or both.To learn more about Article 10 refer to:
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transferring funds obtained illegally from a safe deposit box in the us to a safe deposit box in canada is an example of
An office of a bank or credit union has a locked vault where safe deposit boxes are kept. The holder must provide identification and the safe box key each time they go to the bank to open it.
A safe deposit box may be opened by more than one person, and each person is considered a co-tenant. When tracing the flow of illicit funds, the investigators' greatest advantage is: 0 / 1 point Electronic transactions make up the majority of illicit payments, making identification simpler. Most illicit money passes through a US bank at some point, making identification simpler.
The parallel banking system, which is unconnected to any nation or government and is of great concern to the anti-money laundering community, is related to emerging payment mechanisms and money laundering. True A shell company is a limited liability corporation or other type of business entity that doesn't have any sizable assets or active commercial operations.
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the balance in the prepaid insurance account, before adjustment at the end of the year, is $11,500. journalize the adjusting entry required under each of the following alterna- tives for determining the amount of the adjustment: (a) the amount of insurance ex- pired during the year is $8,750; (b) the amount of unexpired insurance applicable to future periods is $2,750.
(a) The adjusting entry would be:
Debit: Insurance Expense 8,750
Credit: Prepaid Insurance 11,500
The entry reduces the prepaid insurance balance to the amount applicable to future periods, which is $2,750. This is done by debiting the expense for the amount of insurance that has already expired during the year, which is $8,750 and crediting the prepaid insurance account for the full balance of $11,500.
This ensures that the balance in the prepaid insurance account is the correct amount for future periods.
(b) The adjusting entry would be:
Debit: Prepaid Insurance 2,750
Credit: Insurance Expense 2,750
The entry increases the prepaid insurance balance to the amount applicable to future periods, which is $2,750. This is done by debiting the prepaid insurance account for the amount of unexpired insurance applicable to future periods, which is $2,750, and crediting the insurance expense account for the same amount.
This ensures that the balance in the prepaid insurance account is the correct amount for future periods.
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Visualizations are use to identify?
Visualization makes data easier to see, interact with, and comprehend. It gives staff members or business owners a fantastic way to deliver facts to non-technical people without causing confusion.
Information and data are graphically represented in data visualization. Data visualization tools offer a simple approach to spot and comprehend trends, outliers, and patterns in data by utilizing visual components like charts, graphs, and maps. Additionally, it gives staff members or business owners a fantastic way to deliver facts to non-technical people without causing confusion.
It's easy to see why data visualization is important: it makes data easier to see, interact with, and comprehend. Regardless matter the complexity of the situation, the correct depiction may get everyone on the same page.
Data curation into an understandable form, emphasizing trends and outliers, and data visualization all contribute to the telling of tales. A strong visualization highlights important information while reducing noise in the data and telling a story.
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What should a team do with a product backlog items they choose to bring into the sprint?
Each item in the product backlog should be broken down into tasks, with the team estimating the effort required for each task.
What is product backlog?A prioritized list of tasks or features that will assist you in achieving the objectives for your product and establish team expectations is known as a product backlog.
In general, each product that is being developed should have its own backlog.
Similar to this, each product backlog should be assigned to a specific project team.
A product backlog can be used by any developer, although Agile teams are more likely to do so. In agile projects, teams focus their efforts on developing novel products and make modifications as necessary.
You are not required to accomplish all of the items on the product backlog due to the flexibility of the agile methodology.
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Which column and row references are updated when you copy the function: =sum($b5:d$15)?.
In SUM($B5:D$15), the past would only update the row in '$B5' and the column in 'D$15'.
The ROW function in Excel shows the index number of the row of the chosen or target cell. It is a worksheet function in Excel. It is an internal function which only represents the reference. It is generally represented as =ROW( Value ). ( Value ).The cell or a group of cells for which the row number is desired. Reference is taken to be the reference of the cell in which the ROW function appears if it is absent. When ROW is entered as a vertical array ,ROW returns the reference's row numbers in the form of a vertical array.To know more about Row here
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which type of multinational organizational structure is appropriate when the benefits of global integration are large and local differences are small?
Global area division structure is the type of multinational organizational structure is appropriate when the benefits of global integration are large and local differences are small.
What is multinational organizational structure?A multinational corporation often has locations in several nations throughout the world, as well as a centralized headquarters that organizes worldwide administration.Functional, multi-divisional, flat, and matrix organizational structures are the four different types. Other types of structures include network, circular, and team-based ones.The matrix structure, which is frequently employed by big, international companies, encourages exchange of expertise and knowledge across divisions to achieve objectives.Multinational corporations include, among others, Coca-Cola, Unilever, Pepsi, Starbucks, McDonald's, BMW, Suzuki, and Samsung. Multinational corporations may be divided into four categories: global centralised corporations, transnational enterprises, international corporations, and decentralized multinational firms.To learn more about multinational organizational structure refer to:
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Effective leaders can avoid conflict in their groups or organizations.True OR False
The statement is False. Effective leaders do not avoid conflict in their groups or organizations.
Effective leader keep away from no kind of conflict except for they utilize an obliging methodology on the off chance that it isn't vital to them however it very well may be significant for the other party. In the obliging procedure where there are low self-assuredness and high collaboration and it happens when the one-party act in a totally unselfish manner.
Leadership is a art when a man or a lady takes a gathering to a particular objective coordinately by the best utilization of the abilities, ability, and techniques of the individuals from the group.
Great pioneers share a degree of splendor that empowers them to move the majority toward groundbreaking thoughts and developments. Models incorporate Mahatma Gandhi, Oprah Winfrey, and Martin Luther Lord Jr. Finding out about uncommon pioneers is advantageous in light of the fact that it permits you to learn positive characteristics and ways of behaving to imitate.
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Is protectionism good for trade?
Protectionists argue that creating trade restrictions and giving advantages to domestic producers create jobs at home and promote.
Is protectionism good for trade?Without competition, businesses become less high-quality: Industry is weakened over time by trade protectionism. Companies do not need to innovate when there is no competition. The indigenous product will eventually lose quality and become more expensive than that made by overseas rivals.
Why is trade protectionism good?By enforcing tariffs or other trade restrictions, a protectionist trade policy enables a nation's government to support domestic producers and so increase domestic production of products and services.
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Mark for follow up Question 6 of 7. During Loadout, how do you find the carts of bags and packages for your route?
O Ask a Problem Solver (an Amazon associate)
O It is always the cart closest to
O your vehicle Your DSP will notify you
O Look for the staging location on the "Scan to Verify" screen on the Rabbit
Mark for follow up
Question 7 of 7. After scanning all your packages during Loadout, when should you "Swipe to Finish"?
O Wait until you have been instructed to do so
O When your entire team has completed loading
O Immediately after you have completed scanning all your bags and overflow (OV) packages
O When you are ready to leave the station
Mark for follow up
When it comes to loadout, it is important to know how to find the carts of bags and packages for your route. The best way to do this is to ask a Problem Solver (an Amazon associate).
The Problem Solver can help you locate the cart closest to your vehicle. Additionally, your DSP will also notify you of the staging location on the “Scan to Verify” screen on the Rabbit.
Once you have completed scanning all your packages during loadout, it is important to remember to “Swipe to Finish”. It is important to wait until you have been instructed to do so, or when your entire team has completed loading. However, you should not wait until you are ready to leave the station. You should immediately swipe to finish after you have completed scanning all your bags and overflow (OV) packages.
In conclusion, when it comes to loadout, it is important to know how to find the carts of bags and packages for your route. Additionally, it is important to remember to “Swipe to Finish” immediately after you have completed scanning all your bags and overflow (OV) packages. Following these steps can help you be more efficient and complete your route in a timely manner.
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A _____ is the statistic which gives the number of people who respond to a direct mailer.
Return on investment
Response rate
Mailing list
the optimum level of pollution in a market would be group of answer choices the level of pollution where the marginal cost of reducing pollution is minimized. the level of pollution where the marginal cost and benefit of reducing pollution are equal. when the negative externalities are eliminated. zero pollution.
Zero emission is not the best objective because doing so would incur expenses that would far outweigh the advantages of tolerating some.
What is a marginal consist of?Marginal costs are the extra expenses incurred when producing multiple units of a good or service. It is computed by dividing the general fluctuation there in cost of creating extra products even by the change in the amount of goods produced.
Does the mean change marginally?The phrase "marginal change" is used by economists to describe minor modifications to an existing course of action. Simply put, marginal adjustments are very modest incremental adjustments that only have an overall impact on the bigger (macroeconomic) totals.
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What is the purpose of the preamble to the Code of Ethics?
"The aspirational foundation for the moral principles that REALTORS® hold dear is the Preamble to the Code. The fundamental ideas of honesty, integrity, fairness, and moral behaviour in business transactions are all covered.
What is code of ethics ?A set of general rules or ideals is typically what makes up a code of ethics or professional code of ethics. A code of conduct policy is often more detailed and provides instructions on how to react in specific circumstances. An example of a code of conduct rule would be one that specifically forbids taking or giving bribes.It offers a set of norms or guidelines that everyone in the field must follow. It outlines the industry's ideal procedures. It offers a foundation for meeting the profession's compliance standards. It offers a legal benchmark for the occupation.To learn more about code of ethics refer,
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Will Fed decrease interest rates?
Most economists say the Fed will likely stop raising interest rates at some point in 2023, but “where” rates peak — a level known as the “terminal” rate — is actually more important than “when.”
What would occur if the Fed raised interest rates?The amount that commercial banks charge one another for short-term loans is influenced by this important interest rate. Because borrowing costs increase with a rising fed funds rate, banks and other financial institutions may be less eager to borrow money.
Is another rate decrease by the Fed anticipated?
However, the Fed won't likely begin lowering interest rates until 2024 at the earliest, so it could be too late for the institution to avert a downturn. The co-chief investment officer of Truist Advisory Services, Keith Lerner, remarked that "a pivot or pause is not a cure-all for this market."
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suppose a bank decides to make a mortgage loan to an individual so that they may purchase a home. the homeowner will pay the bank $1,500 per month in mortgage payments for the next 30 years. the bank will collect the mortgage payments at the end of the month. if the borrower does not default on their loan, how much money will the bank have accumulated if they could reinvest the monthly income at an annualized rate of 5% for the entire investment horizon?
If the bank would reinvest the monthly income at for an annualized rate of 5% for the duration of the investment horizon, $279,422.43 would have accumulated.
How do mortgage loans work?The act of offering anything as collateral or security for a debt is known as mortgage. When looking for secured loans, the word may be heard. Home loans of all types are frequently secured loans. The borrower must pledge their property as collateral to the lender.
Briefing-To calculate the expected cash flow stream, apply the formula below.
=PMT*((1-(1+(i/t))^(-n*t))/(i/t))
PMT is the $1,500 recurring mortgage payment.'
'i' represents a rate of interest of 5% per year.
A number that is less or equal to thirty years is denoted by the symbol "n."
't' refers to the twelve-month period of a year.
=1500*((1-(1+(5%/12))^(-30*12))/(5%/12))
=$279,422.42
$279422.42 is the estimated amount of cash flows.
Since we are analyzing the cash flows out of a monthly perspective and there are 12 months in a year, the optimal option is to multiply 30 by 12.
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Marginal cost is defined as: the change in total costs from producing one more unit of output. the change in fixed cost from producing one more unit of output. total cost divided by total output. total variable cost divided by total output. The marginal cost curve often decreases at first and then starts to increase. This is explained by: the law of diminishing returns. economies of scale. increasing ATC. From the information given in the following table, calculate the marginal cost of the 3rd unit of output. Enter your answer exactly; do not round.
Marginal cost is defined as A. the change in total costs from producing one more unit of output.
What is a marginal cost?A change in output, which is a change in the quantity of production, results in a marginal cost change in the total cost of production. In other words, when the quantity produced changes by one unit, the total cost changes. It is expressed mathematically as a derivative of the total cost for the quantity.
The price to produce a second unit of production is known as the marginal cost. Since marginal cost aids in determining the level of production that is the most effective for a manufacturing process, it is a crucial concept in cost accounting. It is calculated by estimating the costs incurred even if just one more unit is produced.
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Business portfolio analysis is a technique used to ______.
Answer:
Business portfolio analysis is a technique used to evaluate the performance and potential of a company's different business units or product lines. This analysis typically involves comparing and contrasting the various business units or product lines within a company in terms of their relative size, growth potential, profitability, and other key metrics.
The purpose of business portfolio analysis is to help a company make informed decisions about how to allocate its resources and investments across its different business units or product lines. By comparing the relative performance and potential of each business unit or product line, a company can identify areas of strength and weakness, and can develop strategies to maximize the value and potential of each unit.
Business portfolio analysis is typically conducted using a variety of tools and techniques, including market research, financial analysis, and competitive analysis. This analysis can provide valuable insights into a company's business operations, and can help it to identify opportunities for growth and improvement
What monetary policy is used during a recession?
Expansionary monetary policies are encouraged. When there is a recession or when one is imminent, the central bank frequently uses policy to boost the economy.
A nation's entire money supply is managed by monetary policy, which also aims to promote economic growth. Interest rate changes and adjustments to bank reserve requirements are examples of monetary policy strategies. Commonly, monetary policy is categorized as either expansionary or restrictive.
The Fed will add money to the reserves that banks are required to maintain with it if, for instance, it purchases or borrows Treasury notes from commercial banks. In turn, the money supply increases.
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