1. When selecting employees for working in the hotel, there are three main employment laws to keep in mind Equal Employment Opportunity , Minimum Wage and Overtime laws , The Family and Medical Leave Act .
2. This statement means that hotel managers should adjust their pricing and/or occupancy levels depending on market conditions.
1 .
Equal Employment Opportunity laws, which prohibit employers from discriminating against applicants and employees based on race, color, national origin, sex, or religion;
2. This statement means that hotel managers should adjust their pricing and/or occupancy levels depending on market conditions.
When demand is high, they should raise their Average Daily Rate (ADR) to take advantage of the high demand and get more revenue.
When demand is low, they should focus on increasing occupancy, which can be achieved by offering discounts or promotional rates to attract customers.
For example, during a high demand period, a hotel can raise its prices to capitalize on the high demand. During a low demand period, the hotel can offer discounts or promotional rates to attract more customers and increase occupancy.
To know more about employment laws click on below link:
https://brainly.com/question/30333016#
#SPJ11
What marriott brand has deep roots in communities and iconic heritage that has garnered worldwide acceptance and trust?
Answer:
JW "Marriott" brand
Explanation:
Suppose your expectations regarding the certain shares are as follows (in % returns): Conditions Probability HPR
Poor . 1 -15
Struggling .2 -5
Mildly Fav. .4 5
Favourable .2 15
Bullish .1 25 Use the the above equations to compute the mean and standard deviation of the HPR on the shares
Standard Deviation of the HPR on the shares is 10%.
The mean of the HPR on the shares is calculated by taking the sum of the product of each probability and HPR and dividing by the total probability. Therefore, the mean is calculated as:
Mean = (0.1*(-15) + 0.2*(-5) + 0.4*5 + 0.2*15 + 0.1*25)/(0.1 + 0.2 + 0.4 + 0.2 + 0.1) = 5%.
The standard deviation of the HPR is calculated by taking the square root of the sum of the product of each probability and the squared difference between the HPR and the mean, divided by the total probability.
Therefore, the standard deviation is calculated as:
Standard Deviation = √[(0.1*(15-5)^2 + 0.2*(5-5)^2 + 0.4*(5-5)^2 + 0.2*(15-5)^2 + 0.1*(25-5)^2)/(0.1 + 0.2 + 0.4 + 0.2 + 0.1)] = 10%.
To know more about Standard Deviation click on below link:
https://brainly.com/question/23907081#
#SPJ11
What are some of the organisational mechanisms that might be
considered when developing risk control plans? List seven.
Some of the organizational mechanisms that might be considered when developing risk control plans are: Clear communication, Documentation, risk response planning etc.
Some of the organizational mechanisms that might be considered when developing risk control plans are:
Clear communication: Ensuring that everyone involved in the project is aware of the potential risks and their roles in mitigating them.Risk assessment: Identifying potential risks and determining their likelihood and potential impact.Risk response planning: Developing strategies for reducing or avoiding risks.Monitoring and control: Keeping track of risks and their potential impact, and adjusting plans as necessary.Contingency planning: Developing plans for responding to unforeseen events or emergencies.Training and education: Ensuring that all personnel involved in the project are aware of potential risks and know how to respond to them.Documentation: Keeping detailed records of all risk management activities to help identify patterns and improve future risk management efforts.By implementing these organizational mechanisms, a company can effectively develop and implement a risk control plan to reduce the potential impact of risks on the project.
For such more question on organizational:
https://brainly.com/question/25967211
#SPJ11
As a general matter, banks are high leverage and low margin entities. Their capital levels are generally in the area of what percentage of assets?
As a general matter, banks are high leverage and low margin entities. Their capital levels are generally in the area of percentage of 8% assets under Basel III.
Investors view a bank's net worth or equity value as being the difference between its assets and liabilities, or bank capital. The asset component of a bank's capital is made up of cash, bonds, and loans with interest for e.g., mortgages, letters of credit, and inter-bank loans. The liabilities portion of a bank's capital includes loan-loss reserves and any outstanding debt. The amount by which creditors would still be paid if a bank had to liquidate its assets is known as capital.
Tiers of regulatory bank capital are established by Basel III. They are based on a bank's subordination and its capacity to absorb losses, with a clear separation between capital instruments used when the bank is still solvent and those used after it declares bankruptcy. The book value of common shares, paid-in capital, and retained earnings less goodwill and any other intangibles make up common equity tier 1 (CET1). CET1 instruments must be of the highest subordination and lack maturity.
To know more about Basel III, click here:
https://brainly.com/question/29979404
#SPJ4
16. What is the maturity value of a $8,500 note dated June 17,2020, if it matures on November 15, 2021 at 7.75%. (Banker’sRule)
The maturity value of the $8,500 note dated June 17, 2020, if it matures on November 15, 2021 at 7.75%, is $9,440.31.
The maturity value of a note is the amount that will be paid to the holder of the note on the maturity date. It is calculated by adding the principal amount and the interest earned over the term of the note. To calculate the maturity value of the note in this question, we will use the Banker's Rule formula:
Maturity Value = Principal x (1 + (Interest Rate x Number of Days to Maturity / 360))
Principal = $8,500
Interest Rate = 7.75% = 0.0775
Number of Days to Maturity = November 15, 2021 - June 17, 2020 = 516 days
Maturity Value = $8,500 x (1 + (0.0775 x 516 / 360))
Maturity Value = $8,500 x (1 + 0.110625)
Maturity Value = $8,500 x 1.110625
Maturity Value = $9,440.31
The $8,500 note dated June 17, 2020 therefore has a $9,440.31 maturity value if it matures at 7.75% on November 15, 2021.
For such more question on maturity:
https://brainly.com/question/27328409
#SPJ11
A financial manager is considering two projects, A and B. A is expected to add $2 million to profits this year while B is expected to add $1 million to profits this year. Which of the following statements is most correct?
A) The manager should select project A because it maximizes profits.
B) The manager should select the project that maximizes long-term profits, not just one year of profits.
C) The manager should select project A or he is irrational.
D) The manager should select the project that causes the stock price to increase the most, which could be A or B.
The most correct statement is B) The manager should select the project that maximizes long-term profits, not just one year of profits.
While project A may add more profits in the short term, it is important for the financial manager to consider the long-term profitability of both projects before making a decision. It is possible that project B may have a lower profit in the first year, but could potentially have higher profits in the long term.
Therefore, it is important for the manager to consider the long-term implications of each project before making a decision.
To know more about Profits click here:
https://brainly.com/question/15699405#
#SPJ11
PLEASE, In a paragraph of 150 words, Reflect on the critical thinking process and the steps involved. Discuss how this knowledge can or has helped you in your life and/ or your career?
For example, what do you think of the process? What did you learn from the process? Could it bring value to making decisions in your life or career? Would you use it in the future? Would you use it, or parts of it, in your everyday life? Have you used it in your everyday life? Do not write about the case itself, the decision you reached, or what you thought should or should not have happened relating to the case.
The critical thinking process is a systematic and logical approach to problem-solving that involves several steps, including identifying the issue, gathering and analyzing information, evaluating options, and making a decision.
How the critical thinking process helps meThe critical thinking process is a systematic and logical approach to problem-solving that involves several steps, including identifying the issue, gathering and analyzing information, evaluating options, and making a decision. As a person, critical thinking is useful to utilize this process in order to provide the most accurate and relevant responses to questions.
Personally, I find that the critical thinking process is an invaluable tool in both my personal and professional life. It has taught me to approach problems in a more organized and methodical manner, which has allowed me to make more informed and effective decisions.
Additionally, by applying critical thinking to everyday situations, I am better able to identify biases and assumptions and to evaluate arguments and evidence. Ultimately, the critical thinking process has enabled me to become a more analytical and logical thinker, and has provided me with a framework for making better decisions in all areas of my life.
Read more on critical thinking here:https://brainly.com/question/3021226
#SPJ1
Q5. The following information is related to CTH Corporation which manufactures a single product: (2 Marks) Selling price per unit: SAR 800 Variable cost per unit: SAR 240 Total fixed cost: SAR 400,000 You are required to calculate:
a) Contribution margin per unit and contribution margin ratio. b) The break-even point in units and break-even point is sales value SAR. c) Pretax profit of the company if it sells 1,400 units of the product. d) The number of units required to sell to reach a target pretax profit of SAR 200,000?
a) The contribution margin per unit is SAR 560, the contribution margin ratio is 70%, the break-even point in units is 714.29 units, b) the break-even point in sales value is SAR 571,432, c) the pretax profit if the company sells 1,400 units of the product is SAR 384,000, and d) the number of units required to sell to reach a target pretax profit of SAR 200,000 is 1,071.43 units.
a) Contribution margin per unit = Selling price per unit - Variable cost per unit = SAR 800 - SAR 240 = SAR 560
Contribution margin ratio = Contribution margin per unit / Selling price per unit = SAR 560 / SAR 800 = 70%
b) Break-even point in units = Total fixed cost / Contribution margin per unit = SAR 400,000 / SAR 560 = 714.29 units
Break-even point in sales value = Break-even point in units * Selling price per unit = 714.29 * SAR 800 = SAR 571,432
c) Pretax profit = (Selling price per unit * Number of units sold) - (Variable cost per unit * Number of units sold) - Total fixed cost = (SAR 800 * 1,400) - (SAR 240 * 1,400) - SAR 400,000 = SAR 1,120,000 - SAR 336,000 - SAR 400,000 = SAR 384,000
d) Number of units required to sell to reach a target pretax profit of SAR 200,000 = (Total fixed cost + Target pretax profit) / Contribution margin per unit = (SAR 400,000 + SAR 200,000) / SAR 560 = 1,071.43 units.
know more about contribution margin here
https://brainly.com/question/29534784#
#SPJ11
The major difference between the information-based model and the content-based model is the
Answer:
The major difference between the information-based model and the content-based model is the way they make recommendations.
In the information-based model, recommendations are made based on information about the user's preferences, such as their past behavior or explicit feedback. This model relies on data about the user and their interactions with the system to make recommendations.
On the other hand, in the content-based model, recommendations are made based on the characteristics of the items being recommended. This model relies on the attributes or features of the items, such as genre or author, to make recommendations. The system analyzes the user's past behavior and tries to identify patterns in the types of items they have interacted with positively, and then recommends other items with similar attributes or features.
Explanation:
Overall, the information-based model is more user-focused, while the content-based model is more item-focused. Both models have their strengths and weaknesses, and the choice of which model to use may depend on the specific context and goals of the recommendation system.
Tenant security deposits can be recorded as:
a. Income when received.
b. A liability by the lessor.
c. No obligation by the lessor to return the deposit.
d. Deductions in deposit by the tenant.
e. All of the above.
Tenant security deposits can be recorded as a liability by the lessor.
The correct answer is b.
Tenant security deposits are typically recorded as a liability by the lessor because they are an amount that the lessor may need to return to the tenant at the end of the lease term. The security deposit is not considered income when received because it is not earned revenue; it is simply a deposit that may need to be returned. The lessor does have an obligation to return the deposit if the tenant has met all the conditions of the lease, so option c is incorrect. Option d is also incorrect because the tenant cannot deduct the security deposit from their rent; it is a separate amount that is held by the lessor for the duration of the lease. Option e is incorrect because not all of the above options are correct.
For more such questions on lessor, click on:
https://brainly.com/question/29525166
#SPJ11
"Though the return on assets (ROA) for Firm A is not equal to the return on equity (ROE) for the firm, it is still possible that the equity multiplier of the firm is equal to 1."
Do you agree the above statement? If yes, does it depend on whether the net income is positive, zero, or negative? If you disagree, then would the equity multiplier be greater than 1 or less than 1 when the ROA is not equal to the ROE?
The answer to your question is:
Yes, I agree with the statement that the equity multiplier of Firm A can be equal to 1 even though the return on assets (ROA) is not equal to the return on equity (ROE). This is because the equity multiplier is the ratio of total assets to total equity, and it is possible for this ratio to be equal to 1 even if the ROA and ROE are different.
The net income of the firm does not affect the equity multiplier, as it is not a component of the equation. The equity multiplier is calculated as follows:
Equity Multiplier = Total Assets / Total Equity
Therefore, the net income of the firm, whether it is positive, zero, or negative, does not impact the equity multiplier.
If the ROA is not equal to the ROE, the equity multiplier can be greater than 1 or less than 1. If the ROA is greater than the ROE, the equity multiplier will be less than 1. Conversely, if the ROA is less than the ROE, the equity multiplier will be greater than 1. This is because the ROA and ROE are related to the equity multiplier in the following way:
ROA = Net Income / Total Assets
ROE = Net Income / Total Equity
Equity Multiplier = Total Assets / Total Equity
Therefore, if the ROA is greater than the ROE, the equity multiplier will be less than 1, and if the ROA is less than the ROE, the equity multiplier will be greater than 1.
To know more about ROA and ROE, you can click the link below:
https://brainly.com/question/30626626#
#SPJ11
I agree with the statement that it is possible for the equity multiplier of Firm A to be equal to 1 even though the return on assets (ROA) is not equal to the return on equity (ROE).
The equity multiplier is a measure of the amount of assets that are financed by equity. It is calculated as total assets divided by total equity. If the equity multiplier is equal to 1, it means that all of the assets are financed by equity and there is no debt.
The relationship between ROA, ROE, and the equity multiplier can be expressed as follows:
ROE = ROA x Equity Multiplier
If the equity multiplier is equal to 1, then the ROE will be equal to the ROA. However, if the ROA is not equal to the ROE, then the equity multiplier must be either greater than 1 or less than 1.
If the equity multiplier is greater than 1, it means that the firm has more debt and less equity. In this case, the ROE will be greater than the ROA. On the other hand, if the equity multiplier is less than 1, it means that the firm has less debt and more equity. In this case, the ROE will be less than the ROA.
The net income of the firm does not affect the relationship between the ROA, ROE, and the equity multiplier. Whether the net income is positive, zero, or negative, the relationship between these three measures will remain the same.
For more about return on assets:
https://brainly.com/question/14288500
#SPJ11
Business Administration - Product Management – Case Study
(Answers should be basic in nature, no additional details are given)
A Product Manager working on a new security service for a Big Tech Company is approached by a Senior Partner who explains that his role will begin having more collaboration with the new Service Owner to enhance services associated with the product. During an introduction with the Service Owner mentions that she needs help creating a Service Strategy and she asks you:
1) How would you develop a service strategy for this product? and How would you feed that back into the service management machine to create value for the product?
2) What facets would you suggest, and how could you articulate it as part of a long-term strategy?
3) What service level agreements (SLAs) or operating level agreements (OLAs) would you create?
4) What other considerations would you have as a Product Manager to assist the Service Owner in developing a successful service strategy?
1)To develop a service strategy for the new security service, I would first conduct a thorough analysis of the target market, including customer needs and preferences, competitor offerings, and industry trends.
2)I would suggest focusing on areas such as customer experience, pricing, and service quality.
3) I would create service level agreements (SLAs) and operating level agreements (OLAs) that clearly define the expectations and responsibilities of all parties involved in the service delivery process.
4)Regulatory requirements, technological trends, and potential risks.
This information would help me identify key areas of focus for the service and determine the best approach for meeting customer needs and differentiating the product from competitors.
Once the service strategy is developed, it can be fed back into the service management machine by communicating it to all relevant stakeholders and aligning all aspects of the service, including design, development, delivery, and support, with the strategy.
This alignment will help ensure that the service delivers value to customers and meets their needs and expectations.
In terms of facets to include in the service strategy, I would suggest focusing on areas such as customer experience, pricing, and service quality.
As a Product Manager, I would also consider other factors that could impact the success of the service strategy, such as regulatory requirements, technological trends, and potential risks.
To know more about service strategy click on below link:
https://brainly.com/question/14158730#
#SPJ11
Does the managers of target firms buying of firms’ shares
provide positive information to future acquirers’:
Stock returns;
Synergies from the deal; and
Premium to be paid to target shareholder
Yes, the managers of target firms buying of firms’ shares can provide positive information to future acquirers regarding stock returns, synergies from the deal, and premium to be paid to target shareholders.
This is because the managers of the target firm are considered insiders and have access to information about the company's performance and prospects. If they are buying shares, it is an indication that they believe the company's stock is undervalued and that the acquisition will be beneficial to the company and its shareholders.
This information can be used by future acquirers to make informed decisions about the potential benefits of the acquisition and the appropriate premium to offer to target shareholders.
To know more about firm click here:
https://brainly.com/question/29840644#
#SPJ11
1) A company's current rutio is 13. If the company uses cash to retire notes payable due within one year, would this transaction increase or decrease the current ratio and return on annet ratio? *) Cu
A company's current ratio is 13. If the company uses cash to retire notes payable due within one year the transaction would increase the current ratio and decrease the return on asset ratio.
The current ratio is calculated as current assets divided by current liabilities. By using cash to retire notes payable due within one year, the company is decreasing its current liabilities, which would increase the current ratio. However, the return on asset ratio is calculated as net income divided by total assets. By using cash to retire notes payable, the company is decreasing its total assets, which would decrease the return on asset ratio.
For more such questions on current ratio, click on:
https://brainly.com/question/30401599
#SPJ11
2. Choose at least 3 go-to-market channels which you considerthe most effective nowadays and describe how they are used inRetail industry. (250)
In the Retail industry, three go-to-market channels that are currently considered the most effective are e-commerce, physical retail stores, and social media.
E-commerce is an increasingly popular platform for selling retail products. Online retailers use a variety of strategies to reach customers, such as SEO optimization, targeted advertising, and digital marketing. Additionally, e-commerce stores often offer more competitive prices and more convenient shipping options than their physical counterparts.
Physical retail stores are still a popular and viable option for selling retail products. These stores typically feature well-designed displays, knowledgeable staff, and engaging in-store experiences that can help increase sales. Additionally, many retail stores offer loyalty programs and special discounts to customers to encourage repeat purchases.
Finally, social media is becoming an increasingly important part of the retail industry. Retailers use social media to build relationships with customers, increase brand awareness, and drive sales. Strategies such as influencer marketing, targeted advertising, and user-generated content can help retailers reach their target customers on social media platforms.
For such more questions on Retail industry:
brainly.com/question/30846869
#SPJ11
Definition of Federal fundssold , Repurchased Agreement , Funds fund purchased and surplus?
Federal funds sold: These are the funds that are lent by one bank to another for a period of one day or less. The borrowing bank provides collateral in the form of government securities or other assets to the lending bank.
Repurchased Agreement: A repurchase agreement, also known as a "repo," is a contract in which one party sells a security to another party and agrees to repurchase it at a later date for a higher price. It is essentially a short-term loan with the security serving as collateral.
Funds fund purchased: This term is not commonly used in finance and may be a typo or miscommunication. It could potentially refer to the purchase of mutual funds or other investment vehicles.
Surplus: In finance, a surplus refers to an excess of assets or income over liabilities or expenses. It can also refer to the amount by which a government's revenues exceed its expenditures.
Learn more about Federal funds rate https://brainly.com/question/12138208
#SPJ11
Write a capital expense proposal for a new piece of equipment (you identify it) which is to be added to a medium sized skilled 100 bed facility. Be sure to include logic in your proposal and real to life dollar figures (you can estimate these figures/find them on the internet/ or contact vendors.
In order to propose a capital expense for a new piece of equipment for a medium-sized skilled 100-bed facility, it is important to include logic in your proposal and real-life dollar figures.
The first step is to identify the equipment that is needed. For this example, let's assume the equipment is a new X-ray machine.
The next step is to determine the estimated cost of the equipment. This can be done by researching similar machines on the internet, contacting vendors, and/or estimating figures.
For the purposes of this proposal, let's assume the cost of the X-ray machine is $50,000.
The next step is to determine the expected return on investment (ROI). This can be done by calculating the expected cost savings over a certain period of time.
For example, if the X-ray machine is expected to save $10,000 per year in labor and maintenance costs, the return on investment is 20%.
Finally, it is important to explain the logic of the proposal. The explanation should include the need for the new equipment, the expected cost savings, and the expected return on investment.
This will help the decision makers understand why the new equipment is necessary, and why the capital expense is a good investment.
In conclusion, in order to propose a capital expense for a new X-ray machine for a medium-sized skilled 100-bed facility, the estimated cost is $50,000, with an expected return on investment of 20%, and an explanation of the logic behind the proposal.
To know more about X-ray machine click on below link:
https://brainly.com/question/30686832#
#SPJ11
Andrew is an excellent teacher providing tutoring services to University accounting students. The service is provided in a rental office space with waiting area and rooms for students to practice. Below is data from her accounts for the current six months:Fee per hour $ 150.00 per hourBreakeven sales in dollars $ 120,000 Total fixed expenses $ 45,000 What is the variable expense per hour?
in the mentioned scenario, the variable expense per hour is $149.625
A variable expense is a cost that changes in relation to a company's level of activity or production. This type of expense can increase or decrease based on various factors such as sales volume, production levels, or changes in pricing. Examples of variable expenses include raw materials, labor costs, and sales commissions.
For the above case, the variable expense per hour can be calculated using the formula:
Variable expense per hour = Fee per hour - (Total fixed expenses / Breakeven sales in dollars)
In this case, the variable expense per hour would be:
$150 - ($45,000 / $120,000) = $150 - $0.375 = $149.625
Therefore, it is concluded that the variable expense per hour is $149.625.
You can learn more about variable expense at
https://brainly.com/question/30191622
#SPJ11
During the first two months of operations, i.e. January and February 2020, Hamzah Inc. produced 6163 and 9711 units of products respectively. Maintenance costs in those two months were $110785, $178810 respectively. The manager, Umar, initially considered maintenance to be a fixed cost, but by the end of the second month of operations, he realized that maintenance cost is probably a mixed cost. He is expecting production and sales to increase to 17153 in the month of March and as such wants a better prediction of maintenance cost.
(a) Using the high-low method, the estimated variable maintenance cost per unit is $ ? unanswered
(b) Using the high-low method, the estimated total fixed maintenance cost is $? unanswered
(c) Using the answers from (a) and (b), the best estimate of maintenance cost for the month of March is $?
The high-low method is a technique used to estimate fixed and variable costs Total cost = $321,315.14. It requires analyzing the highest and lowest levels of activity and the associated costs ,Total cost = $321,315.14
The highest level of activity is in February with 9711 units produced and the lowest level of activity is in January with 6163 units produced.
(a) To calculate the estimated variable maintenance cost per unit, we use the formula:
Variable cost per unit = (Highest cost - Lowest cost) / (Highest activity level - Lowest activity level)
Variable cost per unit = ($178,810 - $110,785) / (9711 - 6163)
Variable cost per unit = $68,025 / 3548
Variable cost per unit = $19.17
(b) To calculate the estimated total fixed maintenance cost, we use the formula:
Total fixed cost = Highest cost - (Variable cost per unit x Highest activity level)
Total fixed cost = $178,810 - ($19.17 x 9711)
Total fixed cost = $178,810 - $186,275.87
Total fixed cost = -$7,465.87
(c) To estimate the maintenance cost for the month of March, we use the formula:
Total cost = Total fixed cost + (Variable cost per unit x Activity level)
Total cost = -$7,465.87 + ($19.17 x 17153)
Total cost = -$7,465.87 + $328,781.01
Total cost = $321,315.14
To learn more about maintenance cost here:
https://brainly.com/question/26486391#
#SPJ11
What is the strengths, weakness, opportunities and threats of theinternal revenue service?
The Internal Revenue Service (IRS) is the United States government agency responsible for tax collection and tax law enforcement. It is a crucial component of the federal government's financial system. Like any organization, the IRS has its own strengths, weaknesses, opportunities, and threats.
Strengths:
- The IRS has a wide range of resources, including technology, personnel, and legal authority, which allows it to effectively carry out its duties.
- The agency has the ability to impose penalties and fines on individuals and businesses that do not comply with tax laws, which helps to ensure compliance.
- The IRS is also responsible for administering tax credits and deductions, which can help to stimulate economic growth and support social programs.
Weaknesses:
- The IRS is often criticized for being slow and inefficient, particularly when it comes to processing tax returns and refunds.
- The agency is also frequently accused of being overly bureaucratic, with complex rules and regulations that can be difficult for taxpayers to understand.
- There have also been instances of fraud and corruption within the IRS, which can undermine public trust in the agency.
Opportunities:
- The IRS has the opportunity to modernize its technology and processes, which could help to improve efficiency and reduce the potential for fraud.
- The agency could also work to simplify tax laws and regulations, which would make it easier for taxpayers to understand and comply with their obligations.
- There is also an opportunity for the IRS to improve its customer service, which could help to build better relationships with taxpayers.
Threats:
- The IRS faces the threat of budget cuts, which could impact its ability to carry out its duties effectively.
- The agency is also vulnerable to cyberattacks, which could compromise sensitive taxpayer information.
- There is also the potential for political interference, which could impact the IRS's ability to operate independently and enforce tax laws fairly.
Learn more about Internal Revenue Service at https://brainly.com/question/30632677
#SPJ11
Using fundamental analysis, which of the two RMBS tranches is the riskier option? Ensure you derive and explain all the metrics. Profuse RMBS Nitrex RMBS Proportion of Interest Only Loans 35% 40% Proportion of P&I Loans – – CPR 20% 18.5% SMMR – – WAL 5.5 Years 7.5 Years Overcollateralisation 1.5x 0.5x LvR – – Arrears (90+ days) 0.75% 1.25% Owner-occupied Loans 65% 35% Investment Loans – –
The riskier option between the two RMBS tranches is the Nitrex RMBS.
This can be determined by analyzing the metrics provided and comparing them between the two tranches.
The proportion of interest-only loans is higher in the Nitrex RMBS, which means there is a higher risk of default as borrowers may not be able to afford the principal payments once the interest-only period ends.
The CPR, or conditional prepayment rate, is lower in the Nitrex RMBS, which means there is a lower likelihood of borrowers paying off their loans early and reducing the risk of default.
The WAL, or weighted average life, is longer in the Nitrex RMBS, which means there is a longer period of time for potential defaults to occur.
The overcollateralisation is lower in the Nitrex RMBS, which means there is less protection for investors in the event of defaults.
The proportion of owner-occupied loans is lower in the Nitrex RMBS, which means there is a higher risk of default as investment properties are generally considered riskier than owner-occupied properties.
Finally, the arrears rate is higher in the Nitrex RMBS, which indicates a higher likelihood of defaults.
Overall, the Nitrex RMBS has a higher level of risk based on the metrics provided.
To know more about prepayment rate click on below link:
https://brainly.com/question/28289926#
#SPJ11
A 12-year bond paying 10% coupon semi-annually is selling for$874.50. What is the yield demanded by investors?
The yield demanded by investors for a 12-year bond paying 10% coupon semi-annually is 11.67%.
This can be calculated by using the formula:Yield = (Coupon Payment / Bond Price) * 100
Where:Coupon Payment = (10% * $1000) / 2 = $50Bond Price = $874.50So,Yield = ($50 / $874.50) * 100 = 5.72%
But since the bond pays semi-annually, we need to multiply the yield by 2 to get the annual yield:Yield = 5.72% * 2 = 11.44%Therefore, the yield demanded by investors for a 12-year bond paying 10% coupon semi-annually is 11.44%.Required yield is the minimum acceptable return that investors demand as compensation for accepting a given level of risk, especially in terms of fixed-income securities such as bonds. The interest rates on bonds are set by a consensus of buyers and sellers in the market.
For such more questions on yield demanded:
brainly.com/question/29666877
#SPJ11
QUESTIONS 1 An entity enters into a finance lease to lease an ocean liner. The ocean liner's fair value is RM40 million and the lease rentals are payable monthly over the lease term of five years. The present value of the minimum lease payments at the inception of the lease is RM38.5 million, and the unguaranteed residual value of the ocean liner is estimated at RM5 million. Required: Discuss the accounting treatment of the lease in the financial statements of the lessee.
The lessee will recognize a right-of-use asset and a lease liability at the inception of the lease.
The right-of-use asset will be measured at the present value of the minimum lease payments, which is RM38.5 million. The lease liability will also be measured at the present value of the minimum lease payments.
The lessee will recognize depreciation expense on the right-of-use asset and interest expense on the lease liability over the lease term.
The depreciation expense will be calculated based on the cost of the right-of-use asset, which is RM38.5 million, and the estimated useful life of the ocean liner, which is five years. The interest expense will be calculated based on the lease liability and the implicit interest rate in the lease.
At the end of the lease term, the lessee will derecognize the right-of-use asset and the lease liability. If the unguaranteed residual value of the ocean liner is different from the estimated amount, the lessee will recognize a gain or loss in the income statement.
To know more about lease liability click on below link:
https://brainly.com/question/29851683#
#SPJ11
Organizations are deliberately designed and coordinated. How can
this organizational reality influence diversity in organizations?
You can interpret diversity from multiple perspectives.
200-300 words
Organizations are deliberately designed and coordinated in order to achieve specific goals and objectives. This organizational reality can have a significant influence on diversity in organizations in a number of ways.
First, the design and coordination of an organization can influence the diversity of its workforce. For example, if an organization is designed in such a way that it values and promotes diversity, then it is more likely to attract and retain a diverse workforce.
This can be achieved through the implementation of diversity policies, training programs, and other initiatives that promote diversity and inclusion.
Additionally, the coordination of an organization can also influence the diversity of its workforce by creating an environment that is supportive of diversity and encourages collaboration and teamwork among employees with different backgrounds and perspectives.
Second, the design and coordination of an organization can also influence the diversity of its products and services.
For example, if an organization is designed to be customer-centric and values the input of its customers, then it is more likely to create products and services that meet the diverse needs and preferences of its customers.
This can be achieved through the implementation of market research and customer feedback programs, as well as the inclusion of diverse perspectives in the product development process.
Overall, the design and coordination of an organization can have a significant influence on diversity in organizations.
By promoting diversity and inclusion in the workforce, as well as in the products and services that an organization offers, organizations can create a more inclusive and diverse environment that benefits both employees and customers.
To know more about diversity
https://brainly.com/question/7063191
#SPJ11
what kind of accountent are you if you are asked to do the following,
You are an Analyst for the professional service firm, BUSI 1043 LLP. Your firm specializes in providing a wide variety of internal business solutions for different clients. It is your first day on the job and a Manager in the Consulting area asks you for some help with an investment decision for one of your large clients, Big Spenders Inc.
If you are asked to provide an investment decision for a large client as an accountant, you are most likely a financial analyst. As a financial analyst, you would provide guidance and recommendations on financial strategies and investments to help the client meet their goals.
Financial analysts are responsible for analyzing financial data and providing recommendations to businesses and individuals about investment decisions. They are often employed by professional service firms, like BUSI 1043 LLP, to provide consulting services to clients on a wide variety of internal business solutions.
Financial analysts typically have a strong background in accounting, finance, and business, and use their knowledge and expertise to help clients make informed investment decisions.
Learn more about Accounting https://brainly.com/question/26690519
#SPJ11
The partnership agreement of BADIE, CONNIEand NATIE in BACONA CO., a partnership engaged in vaccination services provides for the year-end allocation of net income in the following order:
* First, BADIE is to receive 10% of net income up to P200,000 and 20% over P200,000.
* Second, CONNIE and NATIE each are to receive 5% of the remaining income over P300,000.
* The balance of income is to be allocated equally among the three partners.
During the year, the partners made a total withdrawal of P30,000, P20,000, and P10,000 respectively.
The partnership’s 2021 income statement shows a total revenue of P1,200,000 and total operating expenses of P700,000 before any allocations to partners.
Required:
1. Prepare a division of profit and loss in good form for BACONA CO.
2. Give the journal entries to close all the nominal and temporary accounts.
1. The division of profit and loss for BACONA CO. for 2021 is as follows:
BADIE: 10% of P200,000 = P20,000 + 20% of (P1,200,000 - P200,000) = P184,000
CONNIE and NATIE: 5% of (P1,200,000 - P300,000) = P45,000 each
Remaining balance: P200,000/3 = P66,667 each
2. The journal entries to close all nominal and temporary accounts would be as follows:
Debit all nominal and temporary accounts for the expenses, revenues, and withdrawals. Credit the respective accounts for the corresponding amounts:
Debit Badie's Capital Account P200,000
Debit Connie's Capital Account P200,000
Debit Natie's Capital Account P200,000
Credit Badie's Drawing Account P30,000
Credit Connie's Drawing Account P20,000
Credit Natie's Drawing Account P10,000
Debit Revenue Account P1,200,000
Credit Expense Account P700,000
Debit Badie's Profit and Loss Account P204,000
Debit Connie's Profit and Loss Account P245,000
Debit Natie's Profit and Loss Account P245,000
To know more about journal entries
https://brainly.com/question/13483463
#SPJ11
Janice huffman has decided to start janice cleaning, a residential housecleaning service company. She is able to rent cleaning equipment at a cost of $600 per month. Labor costs are expected to be $50 per house cleaned and supplies are expected to cost $7 per house. Required determine the total expected cost of equipment rental and the average expected cost of equipment rental per house cleaned, assuming that janice cleaning cleans 10, 20, or 30 houses during one month. Is the cost of equipment a fixed or a variable cost? determine the total expected cost of labor and the average expected cost of labor per house cleaned, assuming that janice cleaning cleans 10, 20, or 30 houses during one month. Is the cost of labor a fixed or a variable cost? determine the total expected cost of supplies and the average expected cost of supplies per house cleaned, assuming that janice cleaning cleans 10, 20, or 30 houses during one month. Is the cost of supplies a fixed or a variable cost? determine the total expected cost of cleaning houses, assuming that janice cleaning cleans 10, 20, or 30 houses during one month. Determine the average expected cost per house, assuming that janice cleaning cleans 10, 20, or 30 houses during one month
Average expected cost per house:
If 10 houses are cleaned: $1,150 / 10 houses = $115 per houseIf 20 houses are cleaned: $2,200 / 20 houses = $110 per houseIf 30 houses are cleaned: $3,250 / 30 houses = $108.33 per houseWhat does "average cost per home" mean?"Average cost" is the total cost of a set of items or activities divided by the number of items or activities. It gives an idea of how much it costs on average to produce or perform each item or activity. For example, if you produce 10 items at a total cost of $100, the average cost per item is $10. Similarly, if you perform a service 20 times at a total cost of $500, the average cost per service is $25. The average cost is useful in determining the overall efficiency and profitability of a business, as well as in making pricing decisions.
To learn more about cost, click
https://brainly.com/question/15135554
#SPJ1
You are considering buying a bond that matures 5 years from today. The par value of the bond is £10,000 and the coupon rate is 6%. If the current market interest rates are 8%, what is the bond price today if the coupon is paid semi-annually?
The bond price today is £9,072.51 if the coupon is paid semi-annually.
The bond price today can be calculated using the formula for the present value of a bond, which is:
[tex]PV = C x[(1 - \frac{(1 + r) ^{-n}) }{r} ] + F x (1 + r) ^{-n})[/tex]Where PV is the present value or bond price, C is the coupon payment, r is the market interest rate, n is the number of periods, and F is the face value or par value of the bond.
In this case, the coupon payment is:
= £10,000 x 6% / 2= £300The market interest rate is:
= 8% / 2 = 4%And the number of periods is:
5 x 2 = 10Plugging these values into the formula, we get:
[tex]PV = 300 x[(1 - \frac{(1 + 0.04) ^{-10}) }{0.04} ] + 10,000 x (1 + 0.04) ^{-10})[/tex][tex]PV = 300 x(7.7217 ) + 10,000 x (0.6756)[/tex]PV = 2,316.51 + 6,756PV = £9,072.51Therefore, the bond price today is £9,072.51 if the coupon is paid semi-annually.
Learn more about the bond price brainly.com/question/29343820
#SPJ11
One of the purposes of a retirement plan is to accumulate retirement assets. Increases in retirement assets are a result of contributions by employers and employees as well as investment earnings on the retirement assets. Which of the following is correct regarding the investment management of retirement assets?
Question options:
The primary reason that employees are given the right to self-direct plan assets is to empower them
The employer cannot manage assets in a 401(k) plan
Employers can commingle assets from employees' retirement accounts and have the assets managed by a third-party asset manager or manage the assets in-house
One of the purposes of a retirement plan is to accumulate retirement assets. Increases in retirement assets are a result of contributions by employers and employees as well as investment earnings on the retirement assets - Employers can commingle assets from employees' retirement accounts and have the assets managed by a third-party asset manager or manage the assets in-house. Therefore the correct option is C.
The correct answer is "Employers can commingle assets from employees' retirement accounts and have the assets managed by a third-party asset manager or manage the assets in-house." This is because employers have the option to either hire a third-party asset manager to oversee the investments of their employees' retirement accounts or manage the assets themselves.
While employees may have the option to self-direct their retirement assets, this is not the primary reason for the existence of retirement plans. Additionally, employers are allowed to manage assets in a 401(k) plan, as long as they follow the rules and regulations set forth by the Employee Retirement Income Security Act (ERISA).
Therefore the correct option is C.
For such more question on investment:
https://brainly.com/question/20360874
#SPJ11
Subject: International MarketingQustion#3 [4+6](a) ‘Impact of culture is pervasive.’- Explain the statement. (b) What are some particularly troublesome problems caused by language in foreign marketing? Discuss.
a.) The statement emphasizes the importance of culture in influencing every aspect of business, particularly international marketing.
b.) Language can be a particularly troublesome problem in international marketing. Different languages can lead to misunderstandings, as the intended message may be lost in translation or interpreted differently.
Culture can influence the way a company advertises, what kinds of products it produces, and how it distributes them. It also influences the way consumers perceive and interact with the company, which in turn affects the success of its marketing strategy.
Language can also create cultural barriers, as the language and vocabulary used to promote products may be unfamiliar or inappropriate in certain markets. In addition, language can create legal barriers, as certain product labels may be required to be in the local language.
For such more question on business
https://brainly.com/question/24553900
#SPJ11
