Floating rate loans are most frequently offered by commercial banks. However, borrowers who like a fixed rate can obtain a contract that swaps out the variable rate payment plan for one that has set rates. this type of agreement is more commonly referred to as a(n) interest rate swap.
What do you mean by floating rate loans?
Any sort of financial instrument, such as a loan, bond, mortgage, or credit, that does not have a fixed rate of interest over the instrument's life is said to have a floating interest rate, also known as a variable or adjustable rate. Typically, floating interest rates fluctuate in response to a reference rate (a benchmark of any financial factor, such as the Consumer Price Index). The London Inter-bank Offered Rate, or LIBOR, is one of the most popular reference rates to use as the foundation for implementing floating interest rates (the rates at which large banks lend to each other). A spread or margin over the base rate will typically be used to describe the interest rate on such debt.
So. the required answer is interest rate swap.
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a local small business super clean budgeted and actual results for last year are as follows: master budget actual results price $600 $650 sales volume (units) 5,000 4,500 unit vc $100 $100 fixed costs $250,000 $250,000 a.) please use the given information to complete the budgeted and actual contribution margin statement. master budget actual results sales volume (units) revenue variable costs contribution margin fixed costs profit note: please enter a negative number as, for example, -1000, not (1000). b.) the total profit variance is $ . c.) the sales volume variance is $ . d.) the sales price variance is $
Unfavorable Explanation: Total Profit Variance = $25,000
A) Master Budget: Revenue = Sales Volume * Price = 5,000 * $600 = $3,000,000 Variable Costs = Sales Volume * Unit Variable Cost = 5,000 * $100 = $500,000 Contribution Margin = Revenue - Variable Costs = $3,000,000 - $500,000 = $2,500,000 Fixed Costs = $250,000 (Given) Profit = Contribution Margin - Fixed Costs = $2,500,000 - $250,000 = $2,250,000
C) Revenue = Sales Volume * Price * 4,500 * $650 = $2,925,000 Actual Results = Sales Volume * Unit Variable Cost = 4,500 * $100 = $450,000
D) Contribution Margin = Revenue - Variable Costs = $2,925,000 - $450,000 = $2,475,000 Fixed Costs = $250,000 (Given) Profit = Contribution Margin - Fixed Costs = $2,475,000 - $250,000 = $2,225,000
b) Unfavorable Explanation: Total Profit Variance = $25,000
Total Profit Variance = Actual Profit minus Budgeted Profit (Master Budget) = $2,225,000 - $2,250,000 = -$25,000 = $25,000 U (Unfavorable due to the fact that Actual Profit is lower than Budgeted Profit)
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Suppose there are 1,000 businesses that produce widgets. These widgets are all basically the same, performing similar tasks with little-to-no difference in their design or performance. The market for widgets would be classified as what kind of market structure?.
The market for widgets would be classified as the perfect competition kind of market structure.
What is perfect competition?A perfect market, also known as an atomistic market, is defined by a number of idealizing conditions, which are together referred to as perfect competition, or atomistic competition, in the field of economics, notably general equilibrium theory. It has been shown that in theoretical models with perfect competition, a market will eventually find equilibrium where the supply of all goods and services, including labor, equals the demand for all goods and services at the price in question. It would be Pareto optimal for this equilibrium to exist. The late 19th century's economic philosophy is when the perfect competition hypothesis originated. In addition to deriving some of its key conclusions, Léon Walras provided the first precise definition of perfect competition. By Kenneth Arrow and Gérard Debreu in the 1950s, the idea was further formulated.
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oxford salts has just been bought by townsend spice. the oxford salts employees are unsure of what that will mean for their jobs, as townsend already has a competent workforce. as a result, several oxford employees have started to call in sick and have begun to look for other jobs. which of the following would you recommend to townsend spice managers?
In case whereby oxford salts has just been bought by townsend spice. the oxford salts employees are unsure of what that will mean for their jobs, what I will recommend to townsend spice managers is to Bring in an OD consultant to help integrate the culture and processes of the two firms.
What is the function of the OD consultant?As vwe wee told that some of the employee has strted seeking for the new job as a result of the fact that they do not know what become f their faith, may be they will be foired from the job, and also those thjat are still staying are not sure of the next step.
Then the manager can invite the OD consultant so tthat he can help to tell the employee about the integration the culture and processes of the two firms.
In conclsion, this will help the employee to be abl to adjust to the current condition of the new firm.
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which of the following is/are examples of monetary policy? which of the following is/are examples of monetary policy? the reserve requirement excess reserves. open market operations. all of the answers are correct.
Over the past few decades, significant modifications have been made to the policy frameworks within which central banks conduct their operations.
What is the role of monetary policy?Conducting monetary policy to attain price stability (low and stable inflation) and assist in managing economic fluctuations is a crucial function of central banks
Monetary policy is viewed as a component of economic planning and strategies because it helps to establish an environment that promotes economic growth and the welfare of the general people.
Therefore, examining the effects of interest rates on inflation, investment, and GDP growth is a common technique to gauge how effective monetary policy is.
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To better align with agile and devops principles, what type of system should be used for code management?.
Cloud systems should be used for code management to better align with agile and DevOps principles.
By incorporating agile principles and practices, such as increased automation and improved communication between the development and operations teams, DevOps is known to be a technique that is frequently used in software development. It enables teams to create, test, and release software in a timely and reliable manner.
The use of virtualization technology in Agile and DevOps is common, and all components of the enterprise IT environment can be operated using this technology. Therefore, cloud-based systems are the kind of systems that should be used for code management.
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the capm estimate of rs is equal to the risk-free rate, rrf, plus a risk premium that is equal to the risk premium on an average stock, (rm - rrf), scaled up or down to reflect the particular stock's risk as measured by its beta coefficient, bi. this model assumes that a firm's stockholders are well diversified, but if they are not well diversified, then the firm's true investment risk would not be measured by -select- and the capm estimate would -select- the correct value of rs.
Given the risk of assets and the cost of capital, expected returns can be calculated using the capital asset pricing model (CAPM).The risk-free rate, the stock's beta value, and the general market rate of return are all required by the CAPM formula.
What is CAPM and a case study?
The Capital Asset Pricing Model (CAPM) is a model that explains the connection between the risk of investing in a security and the expected return. It demonstrates that a security's beta-based risk premium and risk-free return are equal to the security's expected return.
What are WACC and CAPM?
To put it another way, WACC is the typical rate that a company anticipates paying to finance its assets. The cost of shareholder equity can be estimated using the tried-and-true CAPM method. The relationship between systematic risk and asset expected return is quantified by the model.
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What does a postlaunch review help determine?
Whether changes to the marketing mix are needed for postlaunch review help determine.
Product marketing is a branch of marketing that oversees developing a product's messaging, go-to-market strategy, and promotion. Along with other business stakeholders like business development and sales, technical roles like product management, and other business stakeholders, product marketing managers can also be involved in identifying and sizing target markets. Positioning and sales enablement is additional crucial duties.
The practice of promoting a product to potential buyers, customers, and other audiences. To carry out outbound marketing for their product, product marketing collaborates with other marketing disciplines like social media marketing, marketing communications, web marketing, advertising, marketing strategy, and public relations.
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one of the most famous examples of a standards war arises from what is known as the war of currents between thomas edison and nikola tesla. edison favored the use of direct current (dc) systems whereas tesla promoted the use of alternating current (ac) systems. each had their own benefits and drawbacks, but both men knew that neither system would be successful unless one format was adopted on a wide scale. using this information, please fill in the payoff matrix. in each label, the number before the comma is edison's payoff and the number after the comma is tesla's payoff.
Starting in the late 1880s, Thomas Edison and Nikola Tesla were embroiled in a battle now known as the War of the Currents. Edison developed direct current -- current that runs continually in a single direction, like in a battery or a fuel cell.
Thomas Alva Edison was an American inventor and businessman. He has developed many devices in fields such as power generation, mass communication, sound recording, and cinema.
One of the most famous and prolific inventors of all time, Thomas his Alba his Edison had a tremendous impact on modern life, inventing such things as the light bulb, the phonograph, and the motion picture camera, as well as the telegraph and the telephone. led to improvements. Thomas Edison is best known for inventing the light bulb.Learn more about Thomas Edison here: https://brainly.com/question/26568016
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what are the advantages of using the sml approach to finding the cost of equity capital ? what are the what are some of the ways in which you could get these estimates ?
The security market line (SML) is a line drawn on a chart that serves as a graphical representation of the capital asset pricing model (CAPM).
What Is the Security Market Line?The capital asset pricing model (CAPM), which displays varying levels of systematic, or market risk, of various marketable securities, plotted against the projected return of the entire market at any one time, is represented graphically by the security market line (SML), a line drawn on a chart. The SML, also referred to as the "characteristic line," is a representation of the CAPM, with the expected return on the y-axis and risk (measured in terms of beta) on the x-axis. A security's market risk premium depends on where on the chart it is plotted in relation to the SML.learn more about SML click here:
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Approximately what percentage training hours are delivered online?
A. 10%
B. 20%
C. 30%
D. 40%
Approximately 30% of training hours are delivered online. Thus, option c) is correct.
What is Training?
Training is the process of imparting knowledge and abilities that pertain to certain practical capabilities, either to oneself or to others. The purpose of training is to increase one's ability, capacity, productivity, and performance. It serves as the foundation of apprenticeship programs and the main source of information in technical institutes. Training may continue past initial competence to retain, upgrade, and update skills throughout the working life, in addition to the basic training necessary for a trade, occupation, or profession. This type of training may be referred to as professional development by people in certain professions and occupations. Developing physical fitness in relation to a particular competence, such as sport, martial arts, military applications, or some other occupations, is sometimes referred to as training.
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The rational model of decision making explains how managers actually make decisions.
False: How managers should make decisions is explained by the rational model of decision making.
What is a rational decision-making model?
The rational decision-making model selects the best option through logical steps. It includes breaking down different other options and utilizing tenable information or realities to pick among choices.
Can managers make decisions that are perfectly logical?
B) Bounded rationality As a result, managers use heuristics to make quick and efficient decisions because they lack sufficient data and alternatives.
How does simple rational decision-making work?
A business dictionary describes rational decision making as "a method for systematically selecting among possible choices that is based on reason and facts."
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Which of the following statements is true of a new buy?
a. It is a situation that is less critical and quick.
b. The buyer cannot afford to run out of supply.
c. It is a situation that is more time-consuming than a modified rebuy.
d. It is a situation that requires a change in the original service.
It is a situation that is more time-consuming than a modified rebuy.
A new buy describes a circumstance in which a certain product is purchased for the first time. The firm or brand must do research and analyze the suppliers and marketers in order to select the finest solution to stop time-consuming. A modified time-consuming rebuy would take less time than this procedure (in which a company is buying the same product but is eager to make changes for example packaging or changing supplier).
What Is a Firm?
A firm is a for-profit business entity that offers professional services, such as a corporation, limited liability company (LLC), or partnership. Most businesses only have one location. On the other hand, time-consuming a business company is made up of one or more physical locations that are all owned by the same person and have the same EIN (EIN).
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the following is a partially completed lower section of a departmental expense allocation spreadsheet for brickland. it reports the total amounts of direct and indirect expenses for the four departments. purchasing department expenses are allocated to the operating departments on the basis of purchase orders. maintenance department expenses are allocated based on square footage. compute the amount of maintenance department expense to be allocated to assembly.
Service costs are expenses incurred by service departments to support the company's production departments.As a result, production departments bear the cost of the service department.
The response is "d." $20,825.
The process of determining all costs associated with developing, supporting, and delivering your service is known as service costing.Equipment, staff labor, professional fees, software, license fees, and data center charges are just a few examples of service cost components.
What is rent for service costs?
Many tenants have to pay additional expenses in addition to the basic rent that are not covered by the basic rent.Furniture, utilities like gas, water, and electricity, as well as other services, are examples of these costs, which are frequently listed as "service costs."
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what is financial modeling? what is meant by projection, forecast, pro forma, model, responsible party?
A company's operations in the past, present, and anticipated future are represented in numbers through finance modeling. A financial forecast based on pro-forma balance sheets is known as a pro forma forecast.
Finance is the study and practice of money, money-related instruments, and capital assets. The study of the creation, transfer, and consumption of money, assets, goods, and services is known as economics. The process of raising money or capital for any kind of expenditure is referred to as finance. It involves directing various finance resources—such as credit, loans, and invested capital—to the businesses that can use them most effectively or who are in the greatest need of them. Investing, borrowing, lending, budgeting, saving, and forecasting are all included in the definition of finance, which is the management of financial resources. Any person or organization should consider it to be important. It plays a crucial role in a company because all businesses need to turn a profit in order to stay in operation.
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After one year of operation, jake and rolando learned that several top athletes were driving to a larger town to receive similar services. In order to learn about the potential customers who were going elsewhere for service, jake and rolando proceeded to look online to determine how competitors’ services differed from theirs. They learned that competitors were open longer hours on weekends and even had celebrity endorsements. The new information they gathered and its interpretation was the __________ part of the marketing research process.
The new information they gathered and its interpretation was the analysis part of the marketing research process. Therefore, the correct answer option is: b) analysis.
What is a market research?A market research can be defined as a strategic technique which typically involves a process for the identification, collection (acquisition), and analysis of data (information) about a business organization.
This ultimately implies that, a market research involves the use of different research methods to study, analyze, and understand economic trends and their likely effect on the target market (consumers).
In conclusion, the new information that were gathered and interpreted by Jake and Rolando forms the analysis part of any marketing research process.
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Complete Question:
After one year of operation, Jake and Rolando learned that several top athletes were driving to a larger town to receive similar services. In order to learn about the potential customers who were going elsewhere for service, Jake and Rolando proceeded to look online to determine how competitors’ services differed from theirs. They learned that competitors were open longer hours on weekends and even had celebrity endorsements. The new information they gathered and its interpretation was the __________ part of the marketing research process.
a) data gathering
b) analysis
c) creation of the research questions
d) venture finding
Identify the item below that would be added to the book balance.
A. NSF check
B. Interest earned
C. Bank service charge
D. Outstanding checks
Identify the item below that would be added to the book balance as B. Interest earned.
Personal hobbies are activities loved in someone's unfastened time. They can include interests, sports, creative expression, leisure activities, volunteering, cultural sports, spiritual practices, traditional sports, gaining knowledge of pursuits, and personal improvement.
While you're taking part in an interest, you are actively participating in an activity or sport. Pastimes are often feelings or wanting to study more about topics with the capacity to end up in activities. For instance, in case you're inquisitive about theater, you could once in a while take a look at it and attend distinctive performances.
Taking part in hobbies that we revel in is important to our persistent development because they beautify our pleasant life. Interests offer us with something laugh, interesting and difficult to do in our amusement time and assist provide us an experience of purpose out of doors of work.
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it's been a few years since odor-free paint hit the market, and a paint manufacturer estimates the paint to be in the growth stage of its product life cycle. with all the competition in the industry today, the manufacturer should use promotions that persuade buyers of odor-free paint to purchase its brand over all others.
The manufacturer should use promotions that inform buyers about the benefits of odor-free paint and how it compares to other brands. By doing this, the manufacturer can persuade buyers that its brand is the best option available.
Promotions that should be used by an odor-free paint manufacturerOdor-free paint is a type of paint that does not emit any unpleasant smells, making it much more pleasant to work with. This type of paint is still relatively new to the market, but it is quickly gaining popularity due to its many benefits.
One of the biggest advantages of odor-free paint is that it is much safer to use than traditional paint. This is because it does not release any harmful chemicals into the air, making it much less likely to cause respiratory problems.
Additionally, odor-free paint is also much more durable and long-lasting, meaning that it will not need to be replaced as often. This makes it a more cost-effective option in the long run.
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Cherry creek development, lp, is a limited partnership that invests in residential real estate projects. Its limited partners include more than 150 sophisticated investors and investment professionals. A cherry creek limited partner loses his or her limited liability if he or she.
A Cherry Creek Limited Partner's Limited Liability is forfeited if they participate in the management of the Company.
What is a limited partnership?Similar to a general partnership, a limited partnership (LP) must have at least one general partner (GP) and at least one limited partner, as opposed to the minimum requirement of two GPs for general partnerships. Different from limited liability partnerships, which only have limited liability for each participant, are limited partnerships.One limited partnership that makes investments in residential real estate projects is Cherry Creek Development, LP. More than 150 knowledgeable investors and investment professionals make up its limited partners. If a Cherry Creek limited partner takes on management responsibilities, their limited liability is forfeited.Therefore, a cherry creek limited partner loses his or her limited liability if he or she participates in the firm's management.
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you go to the bank and deposit $5,150. you are told that you will receive 1.75% interest. the bank loans out your money to borrowers at a rate of 6.75%. a year later, how much money has the bank made on your money?
It is stated that you will get 1.75% interest. Your funds are loaned by the bank to customers at a rate of 6.75%. A year later, the bank has made 257.50 dollars from your funds.
An interest rate is the percentage of the amount lent, deposited, or borrowed that is due in interest each period. The principal amount, interest rate, frequency of compounding, and length of time the money is lent, deposited, or borrowed determine the total amount of interest on the amount lent or borrowed. Interest is the cost of borrowing money or the fee you charge to lend it. Most frequently, interest is shown as an annual percentage of the loan amount. The interest rate for the loan is denoted by this proportion. The bank or credit union pays you interest when you have deposited in accounts. The financial institution will put those funds to work by lending them to someone else and charging them interest in exchange for those interest payments.
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A box-and-lines illustration showing the formal lines of authority and the organizations work specializations is called a ____ chart.
An organization chart is a diagram with boxes and lines that displays the formal chains of command and the different work specialties within an organization.
An entity, such as a business, institution, or association, that is made up of one or more people and has a specific function is known as an organization (Commonwealth English; see spelling variations).
The word comes from the Greek word organon, which also means tool or instrument, musical instrument, and organ.
There are many different legal types of organizations, including corporations, governments, non-governmental organizations, political organizations, international organizations, armed forces, charities, not-for-profit corporations, partnerships, cooperatives, and educational institutions, among others.
A hybrid organization is one that performs functions for the public good while also conducting the commercial market activity.
An organization made up of volunteers is referred to as a voluntary association. Depending on the jurisdiction, these organizations can be permitted to operate without following any legal requirements.
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consider two gas stations. one is located at a major intersection used by people commuting from populous neighborhoods to jobs located in the downtown area. the other is located on the outskirts of the city. both gas stations sell high-grade or premium-grade gas for a higher price than low-grade or regular-grade gas. however, the gas station along the more congested route charges higher gas prices for all grades than the station on the outskirts of town. these gas stations offer product differentiation based on which of the following? check all that apply. location quality style true or false: positive short-run profit can occur as a result of advertising in a monopolistically competitive market. true false
Product differentiation within and among these gas stations is based on which of the following Location and Quality.
In a commercial enterprise, engineering, and production, exceptional – or high great – has a pragmatic interpretation because the non-inferiority or superiority of something (goods or offerings); it is also described as being suitable for the intended reason (health for cause) at the same time as fulfilling consumer expectancies. First-class is a perceptual, conditional, and truly subjective attribute and can be understood otherwise through one-of-a-kind human beings.[1][2] consumers may attention on the specification and first-class of a product/service, or how it compares to the competition in the market. Producers may measure the conformance first-class or the degree to which the product/provider became produced correctly. Assist personnel may also measure satisfaction inside the degree that a product is dependable, maintainable, or sustainable.
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management accountants rarely interact with employees from other business functions such as marketing and customer service
The statement 'management accountants rarely interact with employees from other business functions such as marketing and customer service' is false.
In the field of business, all the financial records of a company are maintained, organized, and prepared by management accountants.
The management accountants have to deal with employees for all the business functions in order to plan the budget, manage it and assign a budget to each department.
They also have to keep a record of the finances being used in each department and the revenue being generated from each department. Hence, management accountants are in contact will all the other functions in the business.
Although a part of your question is missing, you might be referring to this question:
Management accountants rarely interact with employees from other business functions such as marketing and customer service. True or False
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ready-to-eat hot food stored without temperature control must be discarded after how many hours
Hot food can be held without temperature control for up to four hours.
Why temperature is important in food safety?In order to minimize the possibility of harmful levels of germs in the food you sell, you must always make sure that food is properly cooked, cooled, chilled, or reheated. Controlling the temperature of food is highly crucial in ensuring that it is safe to eat.To the specified temperatures and timings, prepare all TCS food.Keep TCS meals hot at 135°F or above.Roasts that have been cooked properly can be kept at 130°F or higher.TCS food must be totally chilled to 41°F or below in 6 hours after being thoroughly cooled from 135°F to 70°F in 2 hours.The thermocouple temperature is measured by the temperature controller, which then compares it to the set point and determines how long the heater should remain constant.
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windy introduces a new compact music player that carries a two-year warranty against manufacturer's defects. based on industry experience with similar product introductions, warranty costs are expected to be approximately 2% of sales. by the end of the first year of selling the product, total sales are $29.2 million, and actual warranty expenditures are $120,000. record the adjusting entry for the remaining expected future warranty costs as of december 31, the end of the reporting period.
The adjusting entry for remaining of expected future warranty costs as of December 31 is $400,000.
What is a warranty?According to contract law, a warranty is a representation that is neither a requirement of the agreement nor an indefinite term; it is a term that "does not go to the terms of the matter" and which only entitles the innocent party to damages if it is breached, that is, if the warranty seems to be false or even the defaulting party fails to perform the agreement in conformance with the warranty's terms. An assurance is not a guarantee. Truly, it's only a promise. In the event that it is broken, a court order for damages may be used to enforce it. A contract's guarantee clause is a clause. Depending on the terms of the contract, a manufacturer's warranty may be applicable to a product.
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the wilson company has provided the following information: net sales, $155,000 net operating income, $51,000 net income, $31,000 average total assets, $131,000 average net fixed assets; $91,000 what is wilson's fixed asset turnover ratio?
1.94 is wilson's fixed asset turnover ratio .
Why do you use the term "net income"?
Net income is the amount earned by a person or a company after costs, allowances, and taxes have been subtracted. In the world of business, net income is the amount that remains after all costs, such as payroll, the price of goods or raw materials, and taxes, have been paid.Fixed turnover ratio = net sales/average fixed assets
Net sales = $1,90,000/
average fixed assets = $98000
= $1,90,000/$98000
= $1.93877 ⇒ 1.94
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a major criticism of the imf is that it imposes tight macroeconomic policy on any country it lends money to. this is referred to as a(n)
A major criticism of the IMF is that it imposes a tight macroeconomic policy on any country it lends money to. This is referred to as a one size fits all approach.
The International Monetary Fund (IMF) is a significant United Nations financial agency and an international financial organization with 190 member nations and a headquarters in Washington, D.C." Seek to create global monetary cooperation, secure financial stability, permit commerce between states, promote high employment and sustainable economic growth, and alleviate poverty around the world," is its stated mission.
It was established in 1944 and officially began on December 27, 1945, at the Bretton Woods Conference. With 29 members and the aim of remaking the global monetary system, it was founded primarily on the theories of Harry Dexter White and John Maynard Keynes. The handling of balance of payments issues and global financial crises now heavily relies on it.
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a brazilian bank buys shares of stock in intel, an american high-tech company. which of the following best indicates how this transaction would appear on a u.s. balance of payments table?
An American high-tech business called Intel sells equity to a Brazilian bank. The balance on the financial account rises as a result of this transaction in the U.S. balance of payments.
The subject of finance study and practice is money, currencies, and capital assets. Although it is distinct from economics, the study of the production, transfer, and consumption of money, assets, products, and services (the discipline of financial economics bridges the two). Personal, business and public finances can be broadly divided into these three groups. Financial systems are used for financial activity on various scales.
In a financial system, assets are purchased, sold, or traded using financial instruments like money, loans, bonds, shares, stocks, options, futures, etc. Assets can also be insured, invested in, and banked to increase value and decrease loss. In fact, risks are constantly inherent in businesses and financial transactions.
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A bank loans greg’s ice cream $250,000 to remodel a building near campus to use as a new store. On their respective balance sheets, this loan is.
An asset for the bank and a liability for Greg's Ice Cream. The loan increases the money supply.
Moreover, When this loan is made, the money supply increases. This is how banks create money and increase the money supply. When a bank makes loans from excess reserves, the money supply increases.
The amount of money in the economy and the amount of credit for loans are inextricably linked. A network of banks making loans, people making deposits, and banks making multiple loans creates much of the money in the economy.
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Explain the benefits and drawbacks of stock long-term and short-term investment strategies
A benefit of short term stock investment is that the risk of the investment is lower.
A drawback of a short term stock investment is that the returns earned is lower.
A benefit of long term stock investment is that the return is higher
A drawback of a long term stock investment is that the risk is higher.
What are short terms and long term stock investments?A stock investment is when a person purchases shares in a publicly traded company. When a person purchases the shares of a public company, the person becomes a shareholder and earns dividends on investments.
A short term investment is an investment that matures between 1 and 3 years. A short term investment earns a lower return because it would not benefit from the illiquid premium that longer term investments earn.
A long term investment is an investment that matures in periods greater than 3 years. A long term investment earns a higher return because it earns an illiquidity premium. Long term investments are more risky because there is the chance that the company would go bankrupt and not be able to pay shareholders dividends.
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Norm has $15,000 to deposit. His daughter is a junior in high school and plans to go to college. Recommend the best way for norm to store his money. Note that the interest rates are expressed on an annual basis.
3.5% interest-bearing money market account with three-month renewal terms.
Why do money market accounts often offer lower interest rates than certificates of deposit?Because the money is guaranteed for a specific period of time, certificates of deposit typically offer greater interest rates than savings or money market accounts. If there are financial difficulties or emergencies, several financial institutions offer lower or no fees for early withdrawals.
What are the benefits of investing in a certificate of deposit?The fact that a CD is often a secure approach to raise your savings rate of return is one of its main advantages. You might value the security of a certificate of deposit if you're wary of investing in bonds or the stock market. CDs are insured by the FDIC up to the maximum permitted by law.
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