For loan 1 with 4% APR, 36 months, the total interest paid is $3,851.04 and for loan 2 with 3% APR, 48 months, the total interest paid is $2,839.36. The amortization tables for each loan alternative is given below.
You will need to create two amortization tables, one for each loan alternative. An amortization table shows the breakdown of monthly payments into principal and interest over the life of the loan.
1. First, calculate the down payment you will have saved in 2 years:
Down payment = ($250/month) x (24 months) x (1 + 0.02) = $6,120
2. Next, calculate the amount you will need to finance:
Amount financed = $50,000 - $6,120 = $43,880
Now, you can create the amortization tables for each loan alternative.
Loan 1: 4% APR, 36 months
Monthly payment = ($43,880) x (0.04/12) / (1 - (1 + 0.04/12)^(-36)) = $1,298.64
| Month | Beginning Balance | Interest | Principal | Ending Balance |
|-------|-------------------|----------|-----------|----------------|
| 1 | $43,880.00 | $146.27 | $1,152.37 | $42,727.63 |
| 2 | $42,727.63 | $142.43 | $1,156.21 | $41,571.42 |
| ... | ... | ... | ... | ... |
| 36 | $1,298.64 | $4.33 | $1,294.31 | $0.00 |
Total interest paid = ($1,298.64 x 36) - $43,880 = $3,851.04
Loan 2: 3% APR, 48 months
Monthly payment = ($43,880) x (0.03/12) / (1 - (1 + 0.03/12)^(-48)) = $974.57
| Month | Beginning Balance | Interest | Principal | Ending Balance |
|-------|-------------------|----------|-----------|----------------|
| 1 | $43,880.00 | $109.70 | $864.87 | $43,015.13 |
| 2 | $43,015.13 | $107.54 | $867.03 | $42,148.10 |
| ... | ... | ... | ... | ... |
| 48 | $974.57 | $2.44 | $972.13 | $0.00 |
Total interest paid = ($974.57 x 48) - $43,880 = $2,839.36
Based on these calculations, the credit union's promotional APR of 3% with a loan term of 48 months results in a lower total interest paid ($2,839.36) compared to the bank's loan with a 4% APR and a term of 36 months ($3,851.04).
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3. Imagine your parents want to save the cost of your BBA before you admitted in the university. After three years you will be admitted in BBA program of a well known university. Now what amount should your parents deposit in a bank account to accumulate BDT 6 lac at 7% interest rate after 3 years.
4. If you buy 10 shares of square pharma each price at 67 taka ( total 670 taka) now, and you sell those shares after 2 years at 700, what is the rate of returns for your investment ( calculate r).
Your parents deposit in a bank account to accumulate BDT 6 lac at 7% interest rate after 3 years is 489696.87 . The rate of returns for your investment is 4.478%.
3. To find out how much your parents should deposit in a bank account to accumulate BDT 6 lac at 7% interest rate after 3 years, we can use the formula A = P(1+r)^t, where A is the final amount, P is the principal amount, r is the interest rate, and t is the time period in years.
In this case, we know that A = 600000, r = 0.07, and t = 3. We need to find P.
Plugging in the values into the formula, we get:
600000 = P(1+0.07)^3
600000 = P(1.07)^3
600000 = P(1.225043)
P = 600000/1.225043
P = 489696.87
Therefore, your parents should deposit BDT 489696.87 in a bank account to accumulate BDT 6 lac at 7% interest rate after 3 years.
4. To calculate the rate of returns for your investment, we can use the formula r = (P1 - P0)/P0, where P1 is the final price, P0 is the initial price, and r is the rate of returns.
In this case, we know that P1 = 700 and P0 = 670. We need to find r.
Plugging in the values into the formula, we get:
r = (700 - 670)/670
r = 30/670
r = 0.044776119
Therefore, the rate of returns is calculated to be 4.478%.
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Question 13 The UAE Federal Commercial Companies Law applies to: 1 commercial companies registered in the UAE only. 2 all commercial companies registered in the UAE and foreign companies conducting businesses in the UAE 3 companies wholly owned by the federal government. 4 Free Zone companies conducting their operations onshore (ie, outside their designated free zone). hich of the above statement(s) is correct? 1 only
1 dan 3
3 dan 4
2 only
What is the main difference between a Limited Liability Company (LLC) and a Limited Partnership (LP)? shareholders in an LLC are liable to the extent of their investment, whereas in an LP, lability of all partners is unlimited. a shareholder in an LLC may not be appointed as manager, whereas in a LP, management is restricted to the acting partners an LLC may be held by a single corporate shareholder an LLC offers shares for public subscription
1. The UAE Federal Commercial Companies Law applies to all commercial companies registered in the UAE and foreign companies conducting businesses in the UAE. Therefore, the correct answer is D. 2. The main difference between a Limited Liability Company (LLC) and a Limited Partnership (LP) is that shareholders in an LLC are liable to the extent of their investment, whereas in an LP, the liability of all partners is unlimited. Therefore, the correct answer is A.
1. The UAE Federal Commercial Companies Law is applicable to any economic entity which practice commercial, financial, industrial, agricultural, real estate or other kinds of economic activity on the mainland of the country. It applies to all commercial companies registered in the UAE and foreign companies conducting businesses in the UAE.
2. The main difference between a Limited Liability Company (LLC) and a Limited Partnership (LP) is that shareholders in an LLC are liable to the extent of their investment, whereas in an LP, the liability of all partners is unlimited. Shareholders in an LLC are liable to the extent of their investment, whereas in an LP, the liability of all partners is unlimited.
It is important to note that there are other differences between LLCs and LPs, such as the fact that a shareholder in an LLC may not be appointed as manager, whereas in a LP, management is restricted to the acting partners. Additionally, an LLC may be held by a single corporate shareholder, whereas an LP requires at least two partners. Finally, an LLC offers shares for public subscription, whereas an LP does not. However, the main difference between the two is the extent of liability for shareholders and partners.
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In 2017, a company was planning to launch a new project in Canada The cost of the production equipment is $1420,000 The equipment falls in CCA class 8 with a 20% rate for income tax purposes. A working capital investment of $125,000 will be required at the beginning of the project, which will be recoverable at the end the project's life in six years. The sales forecast is based on the sale of 85,000 widgets per year. The unit selling price is $20 per widget and the unit variable cost is $6 Annual fixed cost totals $650,000. At the end of the lifetime of the project the salvage value of the equipment is expected to be $180,000. There will be ascets remaining in that CCA asset class so you can use the PV of CCA tax shield calculation The company's income tacrate is 30% and its discount rate is 12% What is the NPV of the project? Would you recommend approval? Calculate and input the dollar amounts for each of the six steps (nearest dollar without dollar sign (5) or comma 15000) Negative cash How is - 15000) What is the correct value for Step #1 _____
What is the correct value for Step #2 _____ What is the correct value for Step #3 _____
What is the correct value for Step #4? _____
What is the correct value for Step NS? ____
What is the correct value for Step 6 ____
What is the NPV for the project _____ Based on your answers to the first six questions, what is the appropriate course of action to follow? ___
The question asks for the NPV of a new project in Canada with a cost of $1,420,000, a working capital investment of $125,000, 85,000 widgets sold per year at $20 each with a unit variable cost of $6, annual fixed costs of $650,000 and a salvage value of $180,000. The company's income tax rate is 30% and its discount rate is 12%.
Step #1: Calculate the annual cash flows over the six-year life of the project. This can be done by subtracting the variable costs and fixed costs from the annual sales revenue.
Annual Cash Flow = (85,000 x $20) - (85,000 x $6) - $650,000 = $1,385,000
Step #2: Calculate the present value of the cash flows using the company's discount rate.
Present Value = $1,385,000 x PVIFA 12%, 6 years = $7,220,421
Step #3: Calculate the salvage value of the equipment at the end of the life of the project.
Salvage Value = $180,000
Step #4: Calculate the cost of the project.
Cost = $1,420,000
Step #5: Calculate the working capital investment required at the beginning of the project.
Working Capital Investment = $125,000
Step #6: Calculate the negative cash flow.
Negative Cash Flow = Cost - Working Capital Investment = $1,420,000 - $125,000 = $1,295,000
The NPV of the project is calculated by subtracting the present value of the cash flows and salvage value from the cost and negative cash flow.
NPV = $1,295,000 - $7,220,421 - $180,000 = -$5,195,421
Based on the calculation of the NPV, it would not be recommended to approve the project as the NPV is negative.
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You have some extra cash this month and you are considering putting it toward your car loan. Your interest rate is 6.7%, your loan payments are $651 per month, and you have 36 months left on your loan. If you pay an additional $1,000 with your next regular $651 payment (due in one month), how much will it reduce the amount of time left to pay off your loan? (Note: Be careful not to round any intermediate steps less than 6 decimal places.)
An additional $1,000 with your next regular $651 payment, it will reduce the amount of time left to pay off your loan by 3 months.
To find out how much the additional $1,000 payment will reduce the amount of time left to pay off your loan, you need to use the following formula:
P = L[(r(1 + r)^n)/((1 + r)^n - 1)]
Where P is the monthly payment, L is the loan amount, r is the interest rate, and n is the number of months left on the loan.
First, you need to find out what the loan amount is.
L = P[((1 + r)^n - 1)/(r(1 + r)^n)]
L = $651[((1 + 0.067)^36 - 1)/(0.067(1 + 0.067)^36)]
L = $18,965.32
Next, you need to subtract the additional $1,000 payment from the loan amount:
L = $18,965.32 - $1,000
L = $17,965.32
Now you can plug this new loan amount back into the formula and solve for n:
$651 = $17,965.32[(0.067(1 + 0.067)^n)/((1 + 0.067)^n - 1)]
Rearrange the formula to isolate n:
((1 + 0.067)^n - 1)/(0.067(1 + 0.067)^n) = $17,965.32/$651
((1 + 0.067)^n - 1)/(0.067(1 + 0.067)^n) = 27.59
n = 32.85
Round up to the nearest whole number:
n = 33
So if you pay an additional $1,000 with your next regular $651 payment, it will reduce the amount of time left to pay off your loan by 3 months (36 - 33 = 3).
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An all-equity corporation has an expected EBIT of $900,000, which it expects to earn in perpetuity. The corporate tax rate is 35%. The company’s unlevered cost of equity is 10% and the cost of debt is 8%. The company is planning on issuing $4 million of debt and using the proceeds to buy back its shares at the current market value. Assuming that there are no other market imperfections other than taxes, what will be the WACC after the restructuring is completed.
7.57%
8.03%
8.46%
9.15%
8.77%
The WACC after the restructuring will be 8.03%.
To calculate the WACC, we need to find the new cost of equity and the new weight of equity and debt.
First, we will calculate the new cost of equity using the following formula:
New cost of equity = Unlevered cost of equity + (Unlevered cost of equity - Cost of debt) * (Debt / Equity) * (1 - Tax rate)
= 10% + (10% - 8%) * ($4 million / $5.6 million) * (1 - 35%)
= 10.56%
Next, we will calculate the new weight of equity and debt:
New weight of equity = $5.6 million / ($5.6 million + $4 million) = 0.583
New weight of debt = $4 million / ($5.6 million + $4 million) = 0.417
Finally, we will calculate the WACC using the following formula:
WACC = (New weight of equity * New cost of equity) + (New weight of debt * Cost of debt * (1 - Tax rate))
= (0.583 * 10.56%) + (0.417 * 8% * (1 - 35%))
= 8.03%
Therefore, the WACC after the restructuring will be 8.03%.
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Take a position on the ethical concerns raised by employees who are upset about organizations monitoring their e-mail or Internet access for security purposes. Assess whether you believe it is fair for an employee to undergo this type of surveillance. Suggest an alternative approach for an organization to control security without monitoring employee actions.
There are definitely ethical concerns raised by employees who are upset about organizations monitoring their e-mail or Internet access for security purposes. On one hand, it is important for organizations to protect their information and assets from security threats. However, on the other hand, employees have a right to privacy and should be able to use their e-mail and Internet access without fear of being monitored.
In my opinion, it is not fair for an employee to undergo this type of surveillance. It can create a sense of mistrust and fear among employees, and may even lead to a decrease in productivity and morale. However, I understand that organizations need to protect themselves from security threats.
An alternative approach for an organization to control security without monitoring employee actions could be to implement strict security policies and guidelines, and provide training for employees on how to protect company information and assets. Additionally, organizations could use firewalls and other security measures to protect against external threats, without having to monitor employees' e-mail and Internet access.
Overall, it is important for organizations to find a balance between protecting their information and assets, and respecting the privacy and rights of their employees.
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Customer Competence 1 learning objectivesStudent can evaluate and segment customer types, analyse consumer behavior, and position a product/service relative to competitors in addition the customer’s buying behavior and processes are familiar. S/he can recognize and follow customer needs and focus on customer experience in the different stages of the customer journey and lifecycle.Individual Assignment for this course1. Tell about a customer buying behavior in theory perspective and reflect it in any business familiar to you. Give practical examples2. Tell briefly what is a Customer journey? Explain and make your own Customer Journey Map forA) a flight traveler going for a flight; before, during, and after stages orB) a customer who buys a product; pre-purchase, purchase and post purchasePlease draw and write the journey map with actions, touchpoints, possible solutions, emotions and pain points. The implementation of the map is free3. Consider what challenges in developing the customer experience in different businesses are? Choose one industry that is most familiar to you and give practical examples and your own reflections and arguments
In terms of customer buying behavior, the main concept is that customers can be segmented into different types and behaviours based on their individual characteristics, needs, and values. Customers often use different criteria when making their purchase decisions, such as cost, convenience, value, and quality. It is also important to recognize that customers may have different buying processes.
A customer journey is a representation of the overall experience of a customer during the lifecycle of their relationship with a company. At each stage, the customer may interact with different touchpoints and solutions that the company provides. The customer journey should also account for the customer’s emotions and possible pain points.
The challenges in developing customer experience in different businesses can vary depending on the industry. For example, in the airline industry, a key challenge is providing a consistently positive customer experience throughout the entire customer journey.
For a customer who is booking a flight, the customer journey may consist of the following stages: Pre-Purchase (Research and Booking), Purchase (Payment and Confirmation), During Flight (Onboard Experience), and Post-Purchase (Feedback and Loyalty). At each stage, there should be different touchpoints, solutions, and emotions. For example, during the Pre-Purchase stage, the customer may use online research and comparison sites, contact customer service for help, and feel excited about their upcoming journey.
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com's preferred stock will pay an annual dividend of $15 in perpetuity, but payments will start 6 years from now. If the market requires a 6% return on this investment, what should the price of the stock be today?
The price of the stock today should be calculated using the present value formula for a perpetuity. The formula is:
PV = D / r
Where PV is the present value, D is the annual dividend, and r is the required rate of return.
In this case, the annual dividend is $15 and the required rate of return is 6%, or 0.06. However, since the payments will start 6 years from now, we need to discount the present value by 6 years. This can be done using the formula:
PV = D / (r * (1 + r)^n)
Where n is the number of years until the payments start. In this case, n is 6.
Plugging in the values, we get:
PV = 15 / (0.06 * (1 + 0.06)^6)
PV = 15 / (0.06 * 1.4185)
PV = 15 / 0.08511
PV = $176.22
Therefore, the price of the stock today should be $176.22.
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Explain a method for managing credit risk that reduces theadverse selection problem.
One method for managing credit risk that reduces the adverse selection problem is by implementing credit scoring models.
Credit scoring models use a variety of factors, such as income, debt-to-income ratio, credit history, and employment status, to predict the likelihood of a borrower defaulting on a loan. By using these models, lenders can more accurately assess the creditworthiness of potential borrowers and make more informed lending decisions.
This helps to reduce the adverse selection problem, as lenders are less likely to lend to borrowers who are more likely to default on their loans. Additionally, lenders can use credit scoring models to set interest rates that reflect the level of risk associated with each borrower, further reducing the adverse selection problem.
Overall, credit scoring models are an effective tool for managing credit risk and reducing the adverse selection problem.
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In class we discussed the use of tickmarks to document work performed. It was suggested that:
I. Write down the explanation of the tickmark, before it is used.
II. Include a "conclusion" in the tickmark explanation.
a. I is true; II is true.
b. I is true; II is false.
c. I is false; II is true.
d. I is false; II is false
In class we discussed the use of tickmarks to document work performed. It was suggested that Write down the explanation of the tickmark, before it is usedand Include a "conclusion" in the tickmark explanation.
The correct answer is option a. I is true; II is true.
Tickmarks are symbols used by auditors to document the work performed during an audit. It is important to write down the explanation of the tickmark before it is used, as it helps to ensure that the tickmark is used consistently throughout the audit and that the auditor remembers the meaning of the tickmark.
Including a "conclusion" in the tickmark explanation is also important, as it helps to summarize the auditor's findings and provides a clear understanding of the work performed.
Therefore, both statements I and II are true in regards to the use of tickmarks in documenting work performed during an audit.
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Differentiate validity and reliability by using example from HR
perspective to explain the difference
Validity and reliability are two important aspects of research, especially from an HR perspective.
Validity refers to the accuracy of research results and the extent to which the results truly measure what they are intended to measure. Reliability is the consistency of results, or the extent to which the results would remain the same if the study were repeated.
For example, if a company wanted to measure employee satisfaction with a survey, the validity of the survey would refer to the accuracy of the results in determining how satisfied the employees are. The reliability of the survey would be the extent to which the results would remain the same if the survey were repeated.
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why would the stock exchange insist that all companies abide by a strict code of rules and procedures??
To guarantee honest and open trading methods for all investors, the stock market requires that all businesses adhere to a stringent code of regulations and rules.
How does stock exchange market works?To guarantee honest and open trading methods for all investors, the stock market requires that all businesses adhere to a stringent code of regulations and rules. This supports market confidence and preserves the credibility of the stock market. Companies that adhere to these guidelines and practises give investors accurate and timely information, ensuring that all stakeholders have the same access to information. This aids in preventing market manipulation and other unethical actions that can endanger investors. Additionally, by regulating the behaviour of businesses and their leaders, these rules and processes serve to ensure that they behave in the most beneficial way for shareholders and the marketplace as a whole.
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Consider two alternative water resource projects, A and B. Project A will cost $2,533,000 and will return $1,000,000 at the end of 5 years and $4,000,000 at the end of 10 years. Project B will cost $4,000,000 and will return $2,000,000 at the end of 5 and 15 years, and another $3,000,000 at the end of 10 years. Project A has a life of 10 years, and B has a life of 15 years. Assuming an interest rate of 0. 1 (10%) per year:
Assuming that each of these projects would be replaced with a similar project having
the same time stream of costs and returns, show that by extending each series of projects to a common terminal year (e. G. , 30 years), the annual net benefits of each series of projects would be will be same as found in part (b)
The annual net benefits of each series of projects can be calculated by subtracting the cost from the revenue for each year and then dividing the total net benefits by the number of years.
What is revenue ?Revenue is the income generated by a company through the sale of goods and services. It is the total amount of money a business earns from its activities within a given period of time, typically one year. Revenue is one of the most important metrics for measuring the performance of a business, and it can be used to evaluate the overall financial health of a company.
Project A:
Year | Cost | Revenue
---- | ---- | -------
0 | 2533000 | 0
5 | 0 | 1000000
10 | 0 | 4000000
15 | 0 | 0
20 | 0 | 0
25 | 0 | 0
30 | 0 | 0
Project B:
Year | Cost | Revenue
---- | ---- | -------
0 | 4000000 | 0
5 | 0 | 2000000
10 | 0 | 3000000
15 | 0 | 0
20 | 0 | 0
25 | 0 | 0
30 | 0 | 0
For Project A:
Net Benefits = (1000000 + 4000000) - 2533000 = 14,467,000
Annual Net Benefits = 14,467,000 / 10 = 1,446,700
For Project B:
Net Benefits = (2000000 + 3000000) - 4000000 = 5,000,000
Annual Net Benefits = 5,
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In what aspects are merchandising companies different from service companies ?
Merchandising companies are different from service companies in several key aspects. First, merchandising companies sell physical goods, such as clothing, electronics, or food, while service companies provide services, such as consulting, cleaning, or repair work.
Second, merchandising companies typically have inventory that they must manage and track, while service companies do not have physical inventory.
Third, merchandising companies often have to deal with issues related to shipping and handling of physical products, while service companies do not.
Fourth, merchandising companies typically have a different pricing structure, with a markup on the cost of goods sold, while service companies may charge an hourly rate or a flat fee for their services.
Overall, these differences mean that merchandising companies and service companies have different business models and may face different challenges and opportunities.
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Question #2 (45 marks) On January 1, 2019, Lissome Corp. issued $900,000 of 20-year, 11% bonds for $832,290, yielding a market (discount, yield) rate of 12%. Interest is payable semi-annually on June 30 and December 31. Required: a. Prepare journal entries to record the bond issuance. Prepare the 3-column amortization table for 4 periods. b. Prepare journal entries to record the semi-annual interest payment and discount amortization on (i) June30, 2019 and (ii) December 31, 2019. c. Lissome elected to report the bonds in its financial statements at fair market value. On December 31, 2019, these bonds were listed in the bond market at a price of 101 (or 101% of par value). What entry is required to adjust the reported value of these bonds to fair value? d. Determine the income statement effects of (b) and (c) for 2019. That is, the interest expense and any unrealized gain/loss. e. 20 marks A company issued $250,000 of 8%, 15-year bonds at 105 on July 1, 2007. Interest is payable semi-annually on December 31 and June 30. Through June 30, 2014, company amortized $5,186 of the bond premium. July 1, 2014, company retired the bond at 98. Required: Prepare the journal entries to record the (a) issue and (b) retirement of these bonds.
a. The journal entry to record the bond issuance would be:
Debit: Cash 832,290
Debit: Premium on Bonds Payable 67,710
Credit: Bonds Payable 900,000
The 3-column amortization table for 4 periods would look like this:
Period | Interest Expense | Amortization
1 | 99,000 | 16,452
2 | 99,000 | 16,452
3 | 99,000 | 16,452
4 | 99,000 | 16,452
b. The journal entries to record the semi-annual interest payment and discount amortization on (i) June 30, 2019 and (ii) December 31, 2019 would be:
(i) June 30, 2019:
Debit: Interest Expense 99,000
Credit: Cash 99,000
Debit: Premium on Bonds Payable 8,238
Credit: Interest Expense 8,238
(ii) December 31, 2019:
Debit: Interest Expense 99,000
Credit: Cash 99,000
Debit: Premium on Bonds Payable 8,238
Credit: Interest Expense 8,238
c. The entry to adjust the reported value of these bonds to fair value would be:
Debit: Bonds Payable 8,100
Credit: Premium on Bonds Payable 8,100
d. The income statement effects of (b) and (c) for 2019 would be:
Interest Expense: 198,000
Unrealized Gain/Loss: 8,100
e. The journal entries to record the (a) issue and (b) retirement of these bonds would be:
(a) Issue:
Debit: Cash 262,500
Debit: Discount on Bonds Payable 12,500
Credit: Bonds Payable 250,000
(b) Retirement:
Debit: Bonds Payable 250,000
Credit: Cash 245,000
Debit: Discount on Bonds Payable 5,000
Credit: Interest Expense 5,000
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to give an example of the foreign policies of other countriestrying to impact the foreign policy of a single country.
An example of foreign policies of other countries trying to impact the foreign policy of a single country is the sanctions placed on North Korea by other countries. These sanctions are meant to influence North Korea's foreign policy and to discourage it from continuing its nuclear program.
The United States, South Korea, Japan, and other countries have placed sanctions on North Korea, including economic sanctions, travel restrictions, and arms embargoes. These sanctions are meant to put pressure on North Korea to change its foreign policy and to stop its nuclear program.
Another example is the sanctions placed on Iran by the United States and other countries. These sanctions are meant to influence Iran's foreign policy and to discourage it from continuing its nuclear program. The sanctions include restrictions on Iran's oil exports, freezing of assets, and restrictions on financial transactions.
In both of these examples, the foreign policies of other countries are trying to impact the foreign policy of a single country in order to achieve a specific goal. These sanctions are a form of diplomacy and are meant to influence the foreign policy of the targeted country.
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QUESTION 1 (25 MARKS) Discuss the necessary processes and procedures involved before a private healthcare facility to be able to operate as such.QUESTION 2 (25 MARKS) Any licence to operate a private healthcare facility would be given or approved to medical practitioners. Explain the qualifications for a person to be licensed as a medical practitioner in Malaysia, and reasons or grounds that he or she may be disqualified from being a registered and licensed medical practitioner.QUESTION 3 (25 MARKS) In relation to the action of medical negligence, explain the following liability of a private healthcare provider: (a) What is "vicarious liability" in law of negligence relating to the liability of a private healthcare provider? (15 Marks) (b) What is "non delegable duty" under law of tort in medical negligence relating to the liability of a private healthcare provider? (10 Marks)QUESTION 4 (25 MARKS) Discuss the application of ‘Bolam Principle" in medical negligence.
1: Before a private healthcare facility can operate, it must go through several processes and procedures.
2. In Malaysia, a person must have a recognized medical degree and be registered with the Malaysian Medical Council to be licensed as a medical practitioner.
3. Vicarious liability is the legal principle that holds an employer responsible for the actions of their employees. Non-delegable duty is the legal principle that holds an employer responsible for ensuring that certain tasks are carried out safely,
4. The Bolam Principle is a legal standard used to determine whether a medical practitioner has acted negligently.
Additionally, the facility must ensure that it has the necessary equipment and staff, and that it meets the standards set by the Ministry of Health.
QUESTION 2: Additionally, they must complete a compulsory internship and pass the Medical Qualifying Examination. A person may be disqualified from being a registered and licensed medical practitioner
QUESTION 3: (a) In the context of a private healthcare provider, this means that the provider may be held liable for the negligence of their employees, (b) Non-delegable duty is the legal principle that holds an employer responsible for ensuring that certain tasks are carried out safely, even if those tasks are delegated to another party.QUESTION 4: It states that a medical practitioner is not negligent if they have acted in accordance with a practice accepted by a responsible body of medical opinion.
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Which reasons support the acquisition of a historic property as a possible investment opportunity? (MARK ALL THOSE THAT APPLY)
A. Historic properties need not comply with current building code requirements, so the expense associated with renovating the property will be modest.
B. if the property qualifies, there is a tax credit for rehabilitation of 20% over 5 years.
C. If the property is an apartment building there is also an opportunity to quality for the low-income housing credit
D. There may be state grants, credits and tax abatements that would offset the expense of renovation
E. Complying with the guidelines and regulations for making improvements to a historic property can be done by most licensed contractors. Renovation costs should compare closely with those of newer buildings
The reasons that support the acquisition of a historic property as a possible investment opportunity are B, C, and D.
These reasons include the possibility of receiving a tax credit for rehabilitation, the opportunity to qualify for the low-income housing credit if the property is an apartment building, and the potential for state grants, credits, and tax abatements to offset the expense of renovation.
Option A is not a valid reason because historic properties do have to comply with current building code requirements, and the expense associated with renovating the property may not necessarily be modest. Option E is also not a valid reason because complying with the guidelines and regulations for making improvements to a historic property may require specialized contractors and may not compare closely with the costs of renovating newer buildings.
Correct answer: B, C, and D.
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5. PROPERTY, PLANT AND EQUIPMENT (Cont'd) Group Short term leasehold land RM Furniture, fittings. Plant office machinery equipment and and moulds renovations RM RM Buildings RM Motor vehicles RM 2017
Property, Plant and Equipment (PPE) is a category of assets owned by a business.
These assets typically have a useful life of more than one year and are used in the production of goods or services. Examples of PPE include buildings, land, machinery, furniture, fixtures, vehicles, and equipment.
These assets are reported on a company's balance sheet and are used to generate revenue for the business.
PPE is important to a business because it helps to increase efficiency and productivity, as well as providing a long-term source of income.
Additionally, PPE can be used as collateral for loans to obtain additional capital.
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Rapid turnover in employees:
A) is a regrettable but necessary side-effect of proper controls on payroll expense.
B) is desirable, as it helps weed out "deadwood."
C) costs fast-food and hotel industries in the neighborhood of $140 billion annually.
D) is simply unavoidable in the food-service industry.
Rapid turnover in employees is a regrettable but necessary side-effect of proper controls on payroll expenses.
What is employee turnover?The term employee turnover basically refers to the rate at which employees leave a company and are replaced by new hires.
Rapid employee turnover can be costly for a business, as it can result in lost productivity, recruitment and training expenses, and a negative impact on employee morale and company culture. However, it can also positively result in lower payroll expenses since the total staff population is reduced as a result.
Based on this analysis, we can conclude that option A is the correct option.
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Devon was surprised that his pay check was less than he had expected. His
paycheck was reduced because
had been withheld by his employer.
OA. incentives
B. commissions
C. gross pay
OD. deductions
The answer is C. Gross pay. Devon's paycheck was reduced because it had been withheld by his employer as gross payment.
"Gross pay" mean?Before any taxes, benefits, or other payroll deductions are done , an employee's gross salary is what they are paid. Net pay, often known as take-home pay, is the amount that is given after all withholdings have been taken into consideration.
Calculate my gross pay?Start by determining the total amount need for each pay period in order to see an employee's gross compensation. Hourly workers multiply their total hours worked by their hourly rate, plus any overtime. Employees on a salary split their yearly earnings by the number of pay periods.
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Name two provisions which ensure that the investment of shareholders is protected. Explain the purpose of each
Protection clauses are clauses that provide favored shareholders the power to veto or stop particular business acts.
Briefing:-In the event that different owners disagree on the best course of action for the company, protective provisions might aid in safeguarding the interests of minority shareholders.
What does anti-dilution protection serve?Anti-dilution clauses serve as a buffer to guard investors from having their stock holding interests reduced in value or diluted. This can occur when a decline in an owner's ownership interest results from a rise in the number of outstanding shares.
How can shareholders be safeguarded?By having checks and balances in place and ensuring there are no conflicts of interest between the board members and management of the company, the board structure of a corporation aids in protecting shareholders.
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14. If a company borrows $2,000,000 from a line of credit, it will be required to (1) maintain a compensating balance in the amount of $80,000, (2) pay interest in the amount of $120,000, and (3) pay an up-front commitment fee in the amount of $4,000. What is this lending arrangement's EAR?
The lending arrangement's EAR (effective annual rate) can be calculated by taking into account the interest, commitment fee, and compensating balance. Therefore the EAR is 6.06%.
The EAR (Effective Annual Rate) is the annual rate of interest that is earned or paid on an investment or loan, taking into account the effects of compounding. To calculate the EAR, we use the following formula:
EAR = [tex](1 + (R/N))^N - 1[/tex]
Where:
R = The annual rate of interest
N = The number of compounding periods
For this question, the annual rate of interest (R) is $120,000 divided by $2,000,000, or 6%. The number of compounding periods (N) is 1 (the interest is compounded annually). Thus, the EAR is:
EAR = [tex](1 + (6percent/1))^1 - 1 =[/tex] 6.06%.
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What are the three level of monitoring? explain one of them with
an example of your experience
The three levels of monitoring are
Process monitoring Performance monitoringimpact monitoringFor example, we had to closely monitor expenditures to ensure that we stayed within our budget.
Process monitoring involves tracking the implementation of a program or project, and ensuring that it is being carried out according to the planned timeline and budget. This level of monitoring is focused on the inputs and activities of the program, rather than the outcomes.
Performance monitoring, on the other hand, is focused on the outputs and outcomes of the program. It involves tracking progress towards specific goals and objectives, and assessing whether the program is achieving its intended results.
Impact monitoring is the highest level of monitoring, and involves assessing the long-term effects of a program or project. This may include evaluating the program's impact on the broader community or environment, as well as its sustainability over time.
In my experience, I have been involved in process monitoring for a community development project. This involved regularly checking in with project staff and partners to ensure that activities were being carried out according to the planned timeline and budget, and addressing any challenges or obstacles that arose. For example, we had to adjust our plans when we encountered delays in obtaining permits for a construction project, and we had to closely monitor expenditures to ensure that we stayed within our budget.
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A person wishes to deposit money in such a way that after 6 years he should have $50 000. How much money does he have to deposit initially if in the first 3 years (n1) the interest rate is 6% the compounded half-yearly (R1) and in the next 3 years (n2) the interest rate is 8% quarterly compounded (R2)?
The person needs to deposit $35,071.06 initially to have $50,000 after 6 years with the given interest rates and compounding frequencies.
The formula for compound interest is A=P(1+R/n)^(n*t), where A is the final amount, P is the principal or initial deposit, R is the interest rate, n is the number of times the interest is compounded per year, and t is the time in years. We can use this formula to find the initial deposit needed to reach the desired final amount.
First, we'll calculate the amount after the first 3 years with a 6% interest rate compounded half-yearly:
A1=P(1+0.06/2)^(2*3)
A1=P(1.03)^6
A1=1.194052 P
Next, we'll calculate the amount after the next 3 years with an 8% interest rate compounded quarterly:
A2=A1(1+0.08/4)^(4*3)
A2=1.194052 P(1.02)^12
A2=1.425761 P
Finally, we'll set the final amount equal to $50,000 and solve for P:
1.425761 P=50,000
P=50,000/1.425761
P=$35,071.06
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Inflation was 8%during the most recent year, and your organization's investment in land rose 12%. If the beginning appraised land value was $1,000,000, what increase in specific prices over general price level would be reported, stated in year-end dollars?
Since year-end dollars are used to report prices, the rise in individual prices over the overall price level is 4%. A change in the price of a given asset, good, or service is referred to as a "increase in specific pricing".
We must deduct the inflation rate from the growth in land value in the manner shown below in order to determine the percentage increase in specific prices over the overall level of prices:
Land value growth equals $1,000,000 x 12%, or $120,000.
8% is the general price level increase.
The specific price increase is equal to 12% - 8% = 4%.
Since year-end dollars are used to report prices, the rise in individual prices over the overall price level is 4%. A change in the price of a given asset, good, or service is referred to as a "increase in specific pricing" as opposed to a change in the economy's overall price level.
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One of the approaches to fundamental analysis of exchange rate
determination argues that the exchange rate is an asset price.
Explain the foundations of this approach
The approach to fundamental analysis of exchange rate determination that argues that the exchange rate is an asset price is known as the "Asset Market Approach". This approach is based on the idea that exchange rates are determined by the supply and demand for financial assets, such as stocks and bonds, in different countries.
The foundations of this approach are rooted in the idea that investors will seek to invest in assets that provide the highest expected return. This means that investors will buy assets in countries with higher interest rates and sell assets in countries with lower interest rates. As a result, the demand for the currency of the country with higher interest rates will increase, leading to an appreciation of that currency's exchange rate.
Additionally, the Asset Market Approach also takes into account other factors that can influence the demand for financial assets, such as political stability, economic growth, and inflation. All of these factors can impact the expected return on investment and, therefore, can influence the demand for a currency and its exchange rate.
In summary, the Asset Market Approach to fundamental analysis of exchange rate determination is based on the idea that exchange rates are determined by the supply and demand for financial assets in different countries, and that investors will seek to invest in assets that provide the highest expected return.
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Due to the extreme situations caused by Covid, your MRO company planned to close one
department. Employees in that department would either be retrenched or redeployed to another
department. Rate the different Clampitt communication strategies to communicate to the
people affected. How could the company help the people affected to transit the changes?
In response to the extreme situations caused by Covid, there are a few different Clampitt communication strategies that can be used to communicate with the employees - The strategy is to be open and transparent about the reasons for the closure. Another strategy is to provide support and resources to help the affected employees transition to new roles or find new employment.
The third strategy is to communicate clearly and consistently throughout the process, to ensure that all employees are aware of what is happening and what steps they need to take. By using these strategies, the company can help to support the affected employees through the transition.
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1. How the socio-cultural dimension impact the overall business environment in a country? Can
you explain this by considering the COVID:19 issue in the context of Bangladesh?2. As a future manager, can you measure the future outlook of the business environment in
Bangladesh? Make your argumentative analysis with relevant examples.
The socio-cultural dimension has a large impact on the overall business environment in a country. As a future manager, it is possible to measure the future outlook of the business environment in Bangladesh.
In Bangladesh, the COVID-19 crisis has been especially challenging due to the high population density and lack of resources. This has resulted in a disruption of the usual socio-cultural practices, such as restrictions on movement, large-scale layoffs, and supply chain disruption. These factors have impacted the business environment in Bangladesh significantly and will continue to do so in the near future.
It is important to consider economic, political, and legal factors when analyzing the business climate. Additionally, looking at trends in consumer spending, competition levels, and the quality of infrastructure can give an indication of what to expect in the coming years.
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Explain the development of brand personality of Richard Mille. While doing that, students will need to give a timeline of product development, communication, distribution along with the identification of target segments for both of this brand. Basically, students need to decide clearly with this example, how brands should be working to clarify their identities with distinct personalities.
The brand identity of Richard Mille has developed over the years, from a small Swiss watchmaker to a luxury brand with a bold, innovative personality. The development of the brand began in 1999, when Richard Mille created his first watch, the RM001, with a revolutionary case design and materials. This marked the beginning of the brand's mission to create innovative, high-performance watches with an emphasis on design and craftsmanship.
The brand has since built its reputation through strategic product launches, marketing campaigns and creative partnerships. In 2004, Richard Mille established a partnership with Formula One driver, Felipe Massa, to launch the RM007, a watch designed specifically for the track. This partnership opened the Richard Mille brand to a new audience of motorsport enthusiasts.
Richard Mille has also targeted wealthy collectors and luxury watch aficionados with its limited-edition timepieces. In 2012, the brand released the RM052, a tourbillon with a skull motif, which was a popular choice among the brand's high-end customers.
The brand has continued to refine its identity, positioning itself as a bold, daring innovator in the luxury watch market. By targeting its specific customer segment, Richard Mille has been able to develop a distinct brand personality and establish itself as a leader in the industry.
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