The principal balance on the loan is $162,593.52.
First, allow's locate the monthly charge
PV = 240,000
n = 20 * 12 = 240 monthly payments
r = 12%/12 = 0.01 in step with month
PV PMT * 1- 1 (1+r) n
240,000 = frac{PMT}{0.01} * left [ 1 - frac{1}{(1+0.01)^{240}} right ]
240,000 = frac{PMT}{0.01} * 0.9081941635
240,000 = PMT * 90.81941635
PMT = frac{240,000}{90.81941635}
PMT = $2,642.6067205176
Now, we are able to locate the mortgage notable after 12 years
PMT = $2,642.6067205176
variety of payments ultimate, n = (20 - 12) * 12 = 96
r = 0.01
PV PMT * 1- 1 (1+r) n
PV = frac{2,642.6067205176}{zero.01} * left [ 1 - frac{1}{(1+0.01)^{96}} right ]
PV = 264,260.67205176* 0.6152770299
PV = 162,593.5214193848
essential stability at the loan = $162,593.52
A mortgage loan is a secured mortgage that lets you avail your budget by providing an immovable asset, along with a house or commercial property, as collateral to the lender. The lender keeps the asset till you repay the loan.
The time period “mortgage” may be used to explain any monetary transaction where one celebration receives a lump sum and agrees to pay the cash again. A mortgage is a sort of mortgage that is used to finance assets. A mortgage is a kind of loan, but no longer all loans are mortgages.
When purchasing a house, there are three main kinds of mortgages to choose from fixed-fee, conventional, and trendy adjustable charge. All have distinct benefits and shortcomings that assist numerous homebuyer profiles.
Learn more about the mortgage loan here https://brainly.com/question/22598793
#SPJ4
Workplace diversity describes differences among workers in any of the following areas:
salary
office space
religion
race
Select all that apply.
Answer:salary
All
Explanation:
someone please help !!
i need to fill the blanks in w descriptions from the bank on the right, based of an article. some descriptions also need to be inferred. (dark grey boxes are not to be answered)
https ://www.allbus ines s .com/advantages-and-dis advantages -of-sole-proprietors hips -3-875-1.html
Answer:
aph development continues with an expression of the rationale or the explanation that the writer gives for how the reader should interpret the information presented in the idea statement or topic sentence of the paragraph. The writer explains his/her thinking about the main topic, idea, or focus of the paragrap
Explanation:
How will taxation influence the circular flow model
Answer:
TMS
Explanation:
Taxes (T) imposed by the government reduced the flow of income.
Money paid to foreign companies for imports (M) also constitutes a leakage.
Savings (S) by businesses that would have been put to use are a decrease in the circular flow of an economy's income.
Devon, a Project Manager is working on a software development project. He needs more coders to complete the project on time. As a result, he hires people and they are given on-the-job training by their coworkers. However, this significantly reduces the output of th team and leads to a delay in the project. The given scenario exemplifies:
Answer: the mythical man-month effect
Explanation:
The scenario given in the question above signifies the mythical man-month effect.
According to the mythical man-month effect, it explains that when more programmers are added to a particular project, this eventually led to a delay in the project.
Since we are told that Devon needs more coders to complete the project on time and therefore hired more people to complete the project but eventually led to a delay, thus signifies the mythical man-month effect.
Jose wants to find out how many men wear bright colored ties. Which
marketing research tool should he use?
A. Survey
B. Business records
C. Focus group
D. Census data
Answer:
survey
Explanation:
According to the scenario, a survey is the marketing research tool they used. Thus, option 'A' is the correct option.
What is a survey?A survey is a set of questions used in human subject research with the goal of gathering specific information from a certain population. Surveys can be carried out via the phone, by mail, online, at street corners, and even in shopping centers. Surveys are used to collect data or learn more in areas like demography and social research. Survey research is frequently used to evaluate ideas, beliefs, and emotions.
Surveys might have narrow, focused objectives or they can have broad, more general objectives. In addition to being utilized to satisfy the more practical requirements of the media, such as evaluating political candidates, public health authorities, professional organizations, and advertising and marketing directors, surveys are frequently employed by psychologists and sociologists to evaluate behavior.
Learn more about Survey, here:
https://brainly.com/question/29365625
#SPJ5
what are vital events?
Answer:
efers to the live birth, death, foetal death, marriage, divorce, adoption, legitimation, recognition of parenthood, annulment of marriage, or legal separation.
Explanation:
Describe a situation where value at one level of the enterprise may not be seen as valuable at another level
Answer:
At the Board level of a traditional company, the value delivered by a company's Information technology unit is rarely mentioned or discussed if they are not an IT firm.
This is attributable to the inability of traditional firm-level economic analysis to bring fully to the fore, in a langugage that the Board of governors can understand, the intangible impacts of IT delivers to the overall business value.
The purchase of faster laptops and better productivity tools (for instance) which help to foster collaboration irrespective of time or space will in some way translate to increased bottom line due to increased effectiveness and efficiency might go unaccounted for or unnoticed in a board level report.
However, the sales-manager who brought in more money in sales will most likely get very decent attention from the powers that be.
Cheers
1. Describe ways in which individuals you know have developed differently from others .
Answer:
Key takeaway: Our perceptions are influenced by our individual differences and preconceived notions.
Explanation:
Physical characteristics influence how we perceive and respond to information. You may be asked to design a sign that says, “Watch your head,” which will be placed next to a six foot six inch overhang that is above floor level. While a few very tall people will have to worry about hitting their heads on the overhang, most people in the world are not that tall. Tall and short individuals will perceive this sign differently.
Your psychological state can also influence what you read and listen to, and why you do so. The emergency procedures binder on the wall next to the first aid kit doesn’t mean much to you until a coworker falls and suffers some bad cuts and bruises. If you were asked to design the binder and its contents, could you anticipate a psychological state of anxiety that would likely be present when someone needed the information? If so, then you might use clear bullet lists, concise, declarative sentences, and diagrams to communicate clearly.
Your cultural background plays a significant role in what and how you perceive your world. You may be from a culture that values community. For example, the message across the advertisement reads: Stand out from the crowd. Given your cultural background, it may not be a very effective slogan to get your attention.
Our perceptual set involves our attitudes, beliefs, and values about the world. Perhaps you’ve heard the phrase, “Looking at the world through rose-colored glasses” and can even think of someone as an example. We experience the world through mediated images and mass communication. We also come to know one another interpersonally in groups. All these experiences help form our mental expectations of what is happening and what will happen.
Think about your brand preferences, your choice of transportation, your self-expression through your clothing, haircut, and jewelry—all these external symbols represent in some way how you view yourself within your community and the world. We can extend this perspective in many ways, both positive and negative, and see that understanding the perspective of the audience takes on new levels of importance.
Sue says that customers are "expecting a whole lot more for their dollars so the level of customer service has to be that much better and the level of our offerings has to match their expectations". Sue decides to send an email survey to current customers to discover what additional services Camp Bow Wow might offer. Based on the results, Sue intends to implement new services. This is an example of: A. Applied research B. Basic research C. Fact finding D. Development and implementation
Answer:
A. Applied research
Explanation:
Applied research is defined as a study that is aimed at finding answers to specific practical problems. The information.gained from applied research is usually applied to business activity to improve a product, service, or process.
In the given scenario Sue sends an email survey to current customers to discover what additional services Camp Bow Wow might offer. Based on the results, Sue intends to implement new services.
She is using applied research to gain information that will improve customer service in the organisation
Select all that apply.
Which of these are true of a natural pause following a conversation?
You should begin speaking to avoid awkwardness.
You should not panic.
Take a moment to collect your thoughts before you speak.
Conversations that end with a pause went poorly.
Answer:
You should not panic
AND
Take a moment to collect your thoughts before you speak.
Explanation:
Hope this helps!
On January 1, Salter Corporation determined that its direct materials inventory needs to contain 6,000 pounds of materials by March 31. To achieve this goal, Salter will have to use four pounds of direct materials for every pound that it purchases during the upcoming quarter. On the basis of the company's budgeted sales volume, management estimates that 5,000 pounds of direct materials need to be purchased by March 31. Determine the number of pounds in Salter's beginning direct materials inventory on January 1.
Answer: 21000
Explanation:
Direct materials inventory desired = 6,000
Purchase of direct materials budgeted = 5000
Pounds needed for production = 5000 × 4 = 20000
The number of pounds in Salter's beginning direct materials inventory on January 1 will be:
= Direct materials inventory desired + Pounds needed for production -
Purchase of direct materials budgeted
= 6000 + 20000 - 5000
= 21000 pounds
According to Archbishop John Foley, what three standards does the church set forth for marketers?
Answer:
One is truth: Always tell the truth. The second one is the dignity of the person, so don't exploit people. And the third principle is the common good that advertising should serve the common good.
Explanation:
:)
What conditions would affect how much people would use your business?
The business is and Ice Cream Shop.
Answer:
restaurant
like pandemic all small restaurant is closed the business is bankcrap
Workplace diversity describes differences among workers in any of the following areas:
salary
office space
religion
Orace
select all that apply.
If OSHA's regulations are not obeyed, what can OSHA do
to the people who are responsible? (Select two answers.)
Make them move to a different state.
Fire them.
Fine them.
Take them to court for committing a crime.
Make them create a Web site.
Answer:
Make them move to a different state.
Fire them.
Answer:
3 & 4
Explanation:
i got it right
At the end of a long day, Sabrina, a cashier for a supermarket is counting the paper money. One of the bills falls from the cash register into the bottom of Sabrina's purse. What elements of embezzlement are present in this situation? Should Sabrina be convicted of embezzlement? Why or why not?
Answer:
It is an act of theft and conversion of property that is not her own. However it is not intentional
She should not be convicted
Explanation:
Embezzlement is defined as the intentional managemnet of.funda that are put in the care of a person. This is done in order to have a personal gain from the management.
It is when an individual engages in theft of entrusted funds.
In the given scenario although the cash fell into her bag, she did not intentionally take the money for personal gain.
As this is the main concept of embezzlement, she can't be held guilty of embezzlement
Productivity is an important goal for Clearwater Electronics. Like most productive organizations, Clearwater recognizes the contributions human resource management (HRM) can make to improve productivity through people. How can HRM best ensure that the work environment at Clearwater is one in which employees are productive and add value?
Answer:
HR managers can contribute by providing work organization and design that allow for an increase of output as well as quality
Explanation:
1. Abler Corporation has corporate bonds trading in the market at $820. These bonds have $1000 face (or maturity) value and pay an 8% stated (or coupon) rate annually ($40 every six months). These bonds have 12 years to maturity. What is the pretax cost of Abler Corporation's debt?
Answer:
10.70%
Explanation:
NPER = 12*2 = 24
PMT = 40
PV = -820
FV = 1000
Pretax Cost of Debt = Rate (NPER, PMT, -PV, FV) * 2
Pretax Cost of Debt = Rate(24, 40, -820, 1000) * 2
Pretax Cost of Debt = 0.0535 * 2
Pretax Cost of Debt = 5.35% * 2
Pretax Cost of Debt = 10.70%
FINISH THIS SENTANCE
There was this blind man, right? He Was feeling his way down the street with this stick,
The blank is the the minimum amount of your bill you must pay each month.
minimum payment
the least amount of money that must be paid at the end of a month
1.2.
State which environment unions are found in.
Which of the following list of factors of production would be considered land?
O Factories, assembly lines, buildings
O Farms, tractors, pesticides
O Iron ore, natural gas, water
O Dams, bridges, oil wells
a rectangular swimming pool has dimensions 45 metre by 20 metre concrete path of 3.5 m width is laid around it .Find the cost of laying the path at a rate ₹25 per m2
Answer:
Rs. 5993.75
Explanation:
The computation of the cost of laying the path is given below:
= {area of(pool +path)- area of pool }
= ((45 + 3.5) × (20 + 3.5)) - (45 × 20)
= (48.5×23.5) - (45 × 20)
= 1139.75 - 900
= 239.75 square meters
Now the cost is
= 239.75 × 25
= Rs. 5993.75
Why is being a flight attendant a good job
Answer:
cuz ur parents will call u a failure
Explanation:
Answer:
You are able to fly around the world and meet new cultures
Explanation:
HELP PLEASE ILL GIVE CROWN!!!!
the percentage you will need to pay in interest on a loan will NOT depend on what factor?
A. your history of paying back loans in the past.
B. your volunteer activities and proof that you are a good person.
C. your overall credit score.
D. the financial choices you have previously made.
Answer:
B
Explanation:
This has nothing to do with your financial history, while every other option does.
As the price of Pufs increased, the demand for Huks has decreased. Based on this information, what type of good is a Huk?
Pizza Hut is an American restaurant chain that offers different styles of pizzas and many other fast food options. There are more than 5,600 store locations in 94 countries around the world, which are owned and operated by the local population of those countries by giving access to patents, trademarks, etc. (a) Which form of international business is adopted by Pizza Hut? Explain. (b) Explain any two advantages and any two disadvantages of this form of international business.
Answer:
(a) Which form of international business is adopted by Pizza Hut? Explain.
Pizza Hut operates through franchises. Basically Yum (which owns Pizza Hut) is the franchisor that allows the franchisee to invest in a restaurant, operate it and it must pay the franchisor certain fees.
(b) Explain any two advantages and any two disadvantages of this form of international business.
Advantages:
higher rate of success for new businessesprior experience is not required since the franchisor provides training, counseling and a business model.Disadvantages:
Franchisees must follow the business model and cannot innovatethe risk of poor service offered by some franchisees always existordinary kriging method assume that
HELP ASAP...Just tap the photo to read the problem
Answer:
Red Dear
Explanation:
Red Dear tell the location of Human Resources
Place the steps for proper lifting technique in the correct order. --Select-- --Select-- --Select- --Select-- --Select- --Select-
Answer:hold up
Explanation: