The best option is to contact your loan servicer to discuss your options for deferment or forbearance.
What is loan?
A loan is the lending of funds by one or more people, businesses, or other entities to other people, businesses, or other entities. The recipient, or borrower, incurs a debt and is typically responsible for both the principal amount borrowed as well as interest payments on the debt until it is repaid. The promissory note used to prove the debt will typically include information like the principal amount borrowed, this same interest rate the lender has been charging, and the due date for repayment. When a loan is made, the subject asset(s) are temporarily reallocated between the lender and borrower.
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seren works for alpha communications and is responsible for preparing and analyzing the company's financial statements. seren can be best described as a(n)
Seren works for alpha communications and is responsible for preparing and analyzing the company's financial statements. Seren can be best described as an Accountant.
Accountant may be defined as the person or professional working for a firm or individually who looks after the financing and accounts of the firm. All the expenses, revenue and all the business profits and accounts are managed by the accountant of the firm. An accountant is solely responsible for any ambiguity in the accounts of the firm and is the most responsible person within the firm. There are many business-related expenses, profits and shares that incur within a firm. These all are looked upon by the accountant. An individual has to give an examination in order to be legally get a degree of an Accountant and to practice accountancy. Further he/she can tie up with an organization or practice individually.
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which of the following is not a condition for perfect competition? multiple choice firms take prices as given. firms sell a standardized product. firms are protected by barriers to entry. firms have perfect information.
Option C is correct. Firms are protected by barriers to entry is not a condition for perfect competition.
Perfect competition is a market structure where there are many buyers and sellers in the open market and the prices influence supply and demand. In this competition, a large number of producers and consumers compete with one another, and the opposite of a monopolistic market involves the supremacy of one firm in one field. Firms cannot influence the market price of their products with minimal differences in features and pricing.
All firms are allowed to come and sell their product in the open market, there is no barrier to entry in perfect competition.
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Which of the following would be an example of a referendum?
a. A vote on who will serve on the Los Angeles city council.
b. A vote on whether recreational marijuana usage should be legalized in the state of California.
c. A vote on whether the governor of the state of Wisconsin should be recalled from office.
d. A vote on whether to overturn a law passed by the New York state legislature and signed by the governor of New York that imposes higher taxes on wealthy residents
The example of a referendum is , A vote on whether to overturn a law passed by the New York state legislature and signed by the governor of New York that imposes higher taxes on wealthy residents
A referendum is a direct vote by the electorate on a proposal, law, or political problem (PL: referendums or referenda). This is in contrast to a representative voting on a matter Anything that has been put up for a vote by the General Assembly, a local government, or a voter petition in accordance with the law is referred to a referendum. Bond issues and constitutional amendments are both subject to referendums. Referendum refers to a vote in which citizens of a state or nation support or oppose a law that addresses a particular issue.
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in a case where a client's ability to bear risk is significantly less than the client's expressed willingness to bear risk, the most appropriate action for a financial advisor is to:
In a case where a client's capacity to bear risk is significantly less than the client's expressed willingness to bear risk, the most appropriate action for a financial advisor is to (B) base the assessment of risk tolerance in the IPS on the client's ability to bear risk.
What is the risk?An organization's ability to create profits at the desired levels is threatened by hazards, which can also pose a long-term threat to the sustainability of the organization.The process of identifying, evaluating, and controlling risks to your company's financial stability is referred to as risk management.The best course of action for a financial adviser in a situation where a client's capacity to bear risk is much lower than the client's expressed desire to bear risk is to base the IPS' evaluation of risk tolerance on the client's capacity to bear risk.Therefore, in a case where a client's capacity to bear risk is significantly less than the client's expressed willingness to bear risk, the most appropriate action for a financial advisor is to (B) base the assessment of risk tolerance in the IPS on the client's ability to bear risk.
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Complete question:
In a case where a client's capacity to bear risk is significantly less than the client's expressed willingness to bear risk, the most appropriate action for a financial advisor is to:
A. counsel the client and attempt to change his attitude towards risk.
B. base the assessment of risk tolerance in the IPS on the client's ability to bear risk.
C. attempt to educate the client about investment risk and correct any misconceptions.
acme wants to locate a warehouse to serve their major customers that are shown in the table. what is the location that will minimize the transportation costs for their family of products?
The location that will minimize the transportation costs for their family of products is Near (4,5).
Transportation costs are all the costs associated with the transportation of uncooked substances, completed products, and employees. it is the cash behind ensuring all moving elements get wherein they want to be so your clients get their products or services on time.
Transportation is an economic issue of manufacturing of products and services, implying that it's far fundamental of their era, even supposing it bills for a small proportion of input costs. because of this no matter the fee, an hobby can not take area without the transportation thing and the mobility it gives.
Majorly the factors Influencing the value of Transportation Are call for and deliver.
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which event triggers a deferrred annuity to start making a benefit payments to the annuitant
When the contract is annuitized it triggers a deferred annuity to start making a benefit payments to the annuitant.
With a deferred annuity, an insurance provider agrees to pay the owner a regular income or a lump payment at a later time. Deferred annuities are frequently used by investors to supplement their Social Security benefits and other retirement income.
The most typical illustration of a deferred annuity is a retirement account for an investor who isn't quite ready to retire. The withdrawals (payments) are postponed till retirement. The fund makes interest while this is happening. Even when the investor takes money out of the fund, it still earns interest.
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some countries have oil as a natural resource and capstone engineering based in iowa, is considering building a facility in one of those countries since it does not have easy access to oil near its manufacturing plant. which theory of foreign direct investment provides an explanation for this decision?
An eclectic paradigm, also known as the ownership, location, internalization (OLI) model or the OLI framework, is a three-tiered evaluation framework that businesses can use to determine whether or not they should pursue FDI.
What are Dunning's three components of his eclectic theory?
John Dunning created the eclectic paradigm in a series of publications (Dunning 1980, 1981, 1988, and 1992).The international activities of multinational enterprises (MNEs) are influenced by three factors.These are the advantages of ownership (O), location (L), and internalization (I).
How significant is eclectic theory?
The level and pattern of firms' foreign value-added activities, not the multinational corporation, are the focus of the eclectic paradigm.It contributes to the explanation of both the beginning and expansion of foreign production.
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Have you ever bought online during Black Friday?
Yes, I frequently purchase online on Black Friday. For those who are not excellent at battling for products in a crowd, purchasing items online is a great alternative.
What is Black Friday?In the United States, the day following Thanksgiving Day is known colloquially as Black Friday. It is a state holiday in more than 20 states and marks the start of the Christmas shopping season in the United States. Black Friday is among the most popular shopping days in the United States. There are two common explanations for why the day following Thanksgiving is known as Black Friday. According to one source, the wheels of automobiles in heavy traffic the day following Thanksgiving Day produced numerous black imprints on the road surface. This gave rise to the phrase "Black Friday".
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What are the seven traditional steps of selling? Discuss them briefly.
Tradtional Selling is the interaction between sellers and buyers. There different steps of traditional selling and they are:
Prospecting.Preparation.Approach.Presentation.Handling objections.Closing.Follow-up.Prospecting is the process of creating list of buyers.
Preparation is the research carried on the wants, needs and other background information of the targeted customers.
Approach is when the sellers makes the first contact or impression with the buyers, it can be done through call or done physically.
Presentation is when the seller shows the benefits of product and how they can satisfy the customers' needs or the problem that they want to solve.
Handling Objections it is one of the process by which seller pay attention to prospect's concerns and asking additional questions to better identify and understand their objections. The seller might tries to explain better on how the product can be helpful.
Closing: this is where the seller actually have to ask if the potential customer is convinced and willing to make the purchase. If your customer has been convinced your product or service will meet their needs, you close the sale by agreeing on the terms of the sale and finishing up the transaction.
Follow up this is the final step of selling after the sale has been made and all left to be done is retaining the customers and trying to get more customers
The above are the steps in traditional selling.
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you find a zero coupon bond with a par value of $10,000 and 13 years to maturity. if the yield to maturity on this bond is 4.5 percent, what is the dollar price of the bond? assume semiannual compounding periods. (do not round intermediate calculations and round your answer to 2 decimal places, e.g., 32.16.)
You find a zero coupon bond with a par value of $10,000 and 13 years to maturity. if the yield to maturity on this bond is 4.5%, then $5,607.29965 is the dollar price of the bond.
It is given that:
Number of years to maturity = 13 years
Since the compounding is semi-annual, the time period will be:
Time period=Number of years to maturity×2
=13years×2
=26
Par value = $10,000
Yield to maturity = 4.5%
Semi - annual yield=Yield to maturity/2
=4.5%/2=2.25%
Using the semi-annual yield as the discount rate for a period of time period of 26, the price of the bond is computed.
Price of zero-coupon bond =Par value/ (1+Semi-annual yield)^Number of periods= $10,000/ (1+2.25%)^26
= $10,000/1.78338962
= $5,607.29965
Thus, the price of the zero-coupon bond is $5,607.29965.
What is zero coupon bond?
A zero coupon bond is a bond that pays no interest during the life of the bond. Instead, an investor buys a zero-coupon bond at a steep discount to its face value.
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what is the present value of $12,150 to be received 2 years from today if the discount rate is 6 percent?
$10,813.46 is the value at the moment.
The value of a sum of money today is known as its present value.
What is present value?The ability for investors to compare values across time makes present value crucial. PV can assist investors in evaluating the potential financial gains from present assets or liabilities. utilized in fields such as financial modeling and stock valuation,PV = FV/(1 + I n, where PV = present value, FV = future value, I = decimalized interest rate, and n = number of periods, is the formula for calculating present value.When substituting values in an equation, PV = FV/(1 + I n FV = $12150 I = 6 n = 2 and the present value is $10,813.46.Future value is the value of the future cash flow after a specific amount of time has passed in the future, whereas Present value is the current worth of the future cash flow. Inflation is considered when determining present value.To learn more about present value refer to:
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Review each of the investment opportunities provided by Earll Investments and Pima Financial Trading. In a three paragraph essay (a minimum of 4-5 sentences), write an analysis of these opportunities that answers the following questions.
Based on the evidence available to you, which investment opportunity is more likely to be fraudulent? What are the true risks of investment with this company, and does the company accurately describe these risks? What are the potential returns on an investment, and does the company accurately describe these returns?
Every investment has associated risks and hazards. There is always some element of risk involved with undertaking any venture, whether it be with regard to real estate, stocks, goods, joint assets, or anything else.
CDs, high-yield savings accounts, money market accounts, government bonds, and Treasury bills are typical examples of short-term investments. Although returns on short-term investments are frequently lower, they are relatively liquid and give investors the flexibility to quickly withdraw money if necessary.
Additionally, they do indicate the risk element while marking the agreement of speculation, which is frequently ignored by the financial specialist at the time of marking the agreement.
Company risk, market risk, liquidity risk, volatility risk, and opportunity cost are the main risks associated with investing.
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Which form of departmentalization is best if the company services both business clients and end consumers?.
An organizational structure known as departmentalization divides people into groups known as departments based on a particular set of criteria.
Each of these departments has its own leader, but they collaborate to complete tasks. It is possible for multiple departments to collaborate on large or complicated projects.
An illustration of departmentalization
In functional departmentalization, an organization is divided into departments according to the roles they play in the company. A manufacturing company, for instance, might establish departments for production, sales and marketing, accounting, and human resources.
Which five kinds of departmentalization are there?
By function, process, product, market, customer, geographic area, and sometimes matrix (also known as project organization) are the primary types of departmentalization.
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Why is it possible that you may get less money than the loan amount you have borrowed?.
We might get less money than the loan amount that we have borrowed because a fee can be subtracted from a loan.
A loan is a debt that is taken by a borrower and he is entitled to pay the borrowed money in a specified amount of time.
If a loan is being taken from sources such as a bank, it often happens that a person gets a lesser amount of money than he had asked for in the loan.
This is because a specific fee is often deducted when a loan is passed. Each bank has its own rules for giving a loan and the deductible amount may vary from bank to bank.
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A curve that shows the quantity of a good or service supplied at various prices after all long-run adjustments to a price change have been completed is a long-run _______curve.
a. marginal revenue
b. production
c. industry supply
d. marginal cost
A curve that shows the quantity of a good or service supplied at various prices after all long-run adjustments to a price change have been completed is a long-run industry supply curve.
Which curve is known as the marginal cost curve as well?
The change in total cost divided by the change in energy output is the definition of the marginal cost (MC) curve.The firm's supply curve and the MC curve are identical in markets with perfect competition.
How does the long-term supply curve work?
Information regarding an industry's size as well as the nature of costs in that industry can be obtained from the long-run supply (LS) curve. Depending on how long-term costs behave when new businesses enter an industry in response to increased demand, costs in industries can be either constant, increasing, or decreasing.
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what job function is least likely to be handled by union workers in unionized performing facilities?
An organization of a company's workers into a labor union, which will serve as a middleman between the workers and corporate management, is the process of creating a unionized workplace.
What is a Unionized Workplace?
An organization of a company's workers into a labor union, which will serve as a middleman between the workers and corporate management, is the process of creating a unionized workplace. The majority of workers must vote in order to authorize a union in most circumstances. The company is said to be unionized if a union is formed.
The workplace is more secure when it is unionized. Employees who belong to a union often have better job security than nonunion employees, and they frequently get richer pay and more comprehensive benefit packages. As a result, union employees might be less inclined to leave the company in order to pursue other opportunities, particularly if they would have to work in a nonunion setting. Less turnover for employers and lower costs for recruiting and training new employees result from greater stability.
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One way of measuring the advantage of financial leverage to the owners of the company is ________.
One way of measuring the advantage of financial leverage to the owners of the company is to examine the earnings per share (EPS) of a company before and after borrowing from debt lenders
What does EPS tell about a company?Earnings per share, or EPS, is a financial metric that informs investors about a company's profitability.To calculate EPS, take a company's net income and divide it by the number of outstanding stock shares.When making investing decisions, savvy investors analyze a company's earnings per share. A way to measure the advantage of financial leverage to owners is to examine EPS before borrowing additional funds. If a firm borrows at 6% and earns 8% on the borrowed funds, then adding debt would benefit shareholders.Earnings per share refers to the part of a company's income that is available to shareholders and is assigned to each outstanding share of common stock.EPS is calculated by dividing net income by preferred dividends by the average number of outstanding common shares.To learn more about EPS refer
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research evidence suggests that which of the following bases of power is the most effective in terms of its impact upon follower commitment, motivation, performance, satisfaction, and group effectiveness?
As per research, being reasonable has the greatest influence on followers' commitment, motivation, performance, satisfaction, and group effectiveness. Reward and legitimate power, or using one's position to influence others, lead to erratic outcomes.
What is research on power?Generally, According to research, rationality is the most successful strategy for exerting influence in terms of its effects on the commitment and motivation of followers, as well as on performance, satisfaction, and the overall effectiveness of groups.
In conclusion, Inconsistent outcomes are produced when reward and genuine power (that is, depending on one's position to influence others) are used in decision-making.
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the greenwood corporation had a net decrease in cash of $10,000 for the current year. net cash used in investing activities was $52,000 and net cash used in financing activities was $38,000. what amount of cash was provided (used) in operating activities?
80000 amount of cash was provided (used) in operating activities .
What is operating activities ?
All of a company's continuing marketing efforts for its goods and services are referred to as operating activities. Non-operating activities are one-time occurrences that might have an impact on the company's regular, core business but also on revenues, costs, or cash flow.Net changes in cash = cash from operating activity + cash from interesting activity + cash from financing activity
10000 = x + 52000 + 38000
x = 80000
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in order to offset interest rate increases as a result of government borrowing, the federal reserve would . a.) sell bonds to the public b.) increase the fed funds rate c.) lower the reserve requirement d.) decrease the money supply
In order to offset interest rate increases as a result of government borrowing, the federal reserve would option B: increase the fed funds rate.
When individuals discuss the Fed raising interest rates, they typically refer to the federal funds rate, also referred to as the federal funds target rate. The Fed wants to increase the cost of borrowing generally when it raises the federal funds target rate. Since higher interest rates make loans more expensive for both businesses and consumers, everyone ends up paying more in interest. This implies that option B is the correct answer.
Those who cannot or do not want to pay the higher installments delay projects that require financing. In order to receive higher interest payments, it simultaneously encourages people to save money. The amount of money in circulation is decreased as a result, which tends to reduce inflation and moderate economic activity, or "cool off" the economy.
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a commitment fee is calculated based on the undisbursed loan amount and is usually paid .
Usually, the commitment fee is paid following the conclusion of the credit agreement. However, if the amount is levied on the undistributed loan, it may be collected on a periodic basis.
A cost imposed by a lender onto a borrower as compensation for the lender's promise to lend is known in the financial sector as a commitment fee. Usually, commitment costs are connected to idle lines of credit or outstanding loans.
Because it has reserved the money for the client and is therefore unable to charge interest, the lender is paid for giving access to a possible loan through a commitment fee. Typically, a commitment fee is characterized as a fixed amount or a fixed proportion of the outstanding loan amount. Lender receives payment in the form of a commitment fee for guaranteeing a credit at a date in the future or for maintaining an open credit line.
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when the percent change in price is than the percent change in quantity demanded, demand is . please choose the correct answer from the following choices, and then select the submit answer button. answer choices smaller; inelastic smaller; either elastic or inelastic larger; elastic smaller; elastic
When the percent change in price is smaller than the percent change in quantity demanded, demand is inelastic smaller. Hence, option A 'smaller; inelastic smaller' is the correct choice.
When demand stays constant regardless of changes in price, it is called inelasticity. Demand inelasticity is evident when demand for a product or service is static when changes in its price or other factors occur.
Inelastic products or services are usually necessities without any acceptable substitutes. The most common products with inelastic demand are prescription drugs, utilities, and tobacco products. Businesses that offer such products keep greater flexibility with prices because demand stays constant even if prices increase or decrease.
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ictoria's closet, a manufacturer of bohemian-style clothing and accessories, sells its products through its online website, a catalogue, and specialty boutiques that target women. which kind of channel arrangement does victoria's closet employ to distribute its products?
Distribution system with many channels. When referring to a sales and marketing distribution strategy, "multichannel" means using more than one channel or store to contact customers and boost sales.
A multichannel distribution system is what?When referring to a sales and marketing distribution strategy, "multichannel" means using more than one channel or store to contact customers and boost sales.To serve one or more consumer segments, a single organization may set up two or more sales and marketing channels. This is known as a multichannel distribution system.For businesses operating in broad, intricate marketplaces, multichannel distribution systems have many benefits. The corporation obtains possibilities to personalize its products and services to the unique needs of various consumer segments with each additional channel, increasing its sales and market reach.To learn more about Multichannel distribution systems refer to:
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three years ago, you invested $2,600. today, it is worth $3,400. what rate of interest did you earn?
Invested $2,600 and, it is worth $3,400.The interest rate is 6.7%.
What is the rate of interest ?invested $2,600 and, it is worth $3,400.
Potential Value = PV(1+R)^3
3,400 = 2600(1+R)^3
=3400/2600=(1+r)^3
=[tex]3\sqrt\frac{3400}{2600}[/tex]= [tex]3\sqrt({1+r)} ^3[/tex]
r = 0.067
r = 6.7%
Check:
3400 = 2600
3400 = 3400
The amount that the lender charges the borrower over and beyond the principal amount is referred to as the interest rate. A person who deposits money in a bank or other financial institution also earns additional income in terms of the recipient, known as interest, taking into account the time value of money.To learn more about interest rate refer to:
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a firm has a debt-to-equity ratio of .5. its cost of equity is 22%, and its cost of debt is 16%. if the corporate tax rate is .40, what would its cost of equity be if the debt-to-equity ratio were 0?
Its cost of equity would be 20.62% if the debt-to-equity ratio were 0.
What is Cost of equity?The return needed by either a business or an individual to justify an investment in equity is known as the cost of equity. Either the CAPM or the dividend capitalization model is used to calculate the cost of equity. The return a company theoretically gives to its equity investors, or shareholders, to make up for the risk they assume by investing their money, is known in finance as the cost of equity. For a business to function and expand, it needs funding from other sources. The equation is CoE = (next year's dividends per share / current stock market value) + dividend growth rate.
Hence, Its cost of equity would be 20.62% if the debt-to-equity ratio were 0.
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an insured is covered under a group long terrm disability policy. under this type of policy, the definition of disability based on any occupation typically applies
An insured is covered under a group long-term disability policy. under this type of policy, the definition of disability based on any occupation typically applies after two years of disability.
Disability is the experience of any situation that makes it extra tough for someone to do sure sports or have equitable access inside a given society. Disabilities can be cognitive, developmental, intellectual, mental, physical, sensory, or a combination of a couple of factors. Disabilities may be present from birth or can be received throughout someone's lifetime. Traditionally, disabilities have only been recognized based on a narrow set of standards—however, disabilities aren't binary and can be gift particular traits relying at the man or woman.[1] A disability can be simply visible, or invisible in nature.
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The amount of money the insurance company agrees to pay for an incident is called.
The amount of money the insurance company agrees to pay for an incident is called deductible.
A deductible is the quantity you pay for out-of-pocket expenses in your included fitness care earlier than your plan starts to pay. A deductible is distinctive than a premium.
A top class is the quantity you pay, usually each month, to have medical health insurance. Now, deductibles may be low or excessive, depending on the plan you select.
In an insurance coverage, the deductible is the amount paid out of pocket by means of the coverage holder before an insurance company pays any costs. In trendy utilization, the term deductible may be used to describe one of numerous forms of clauses which might be used by insurance corporations as a threshold for coverage bills.
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the three main types of facility layouts are: group of answer choices product, process, and fixed-position process, product, and service intermittent, process, and customized fixed-position, variable, and product product, service, and process
Product, process, and fixed-position process are the three main types of facility layouts.
What do you mean by facilities layout?Simply said, facility layout refers to how a facility is set up to maximize procedures that are both effective and efficient in achieving the ultimate organizational purpose. Process, product, and fixed position layouts are the three basic categories.
Workflow is organized around the production process in the process layout. All employees completing comparable duties are gathered in one group. In order to meet the demands of employees and maximize the efficacy of the manufacturing process, facility layout and design are crucial elements of a company's overall operations.
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__________ theory assumes that people are motivated to work toward a goal when they want to achieve the outcome and also think they have the ability and means to achieve it.
Answer:
Extrinsic motivation
Explanation :
What is extrinsic motivation?
Extrinsic motivation is when they are drived by something like a award. Example: Mya has a test due today, If she finishes it she could go out to see her friends.
suppose that the expected value of the interest rate for year 3 remains at 8% but that the liquidity premium for that year is also 1%. what would be the yield to maturity on three-year zeros? what would this imply about the slope of the yield curve?
Three-year zero yield to maturity is equal to 8% plus 1%, or 9%. Since investors would want a larger rate of return for bonds with longer tenors, the slope would be upward.
YTM takes into account effective yield. Efficacious Yield: An effective measure of an equity holder's return is the effective yield, which is a yearly rate of return at a periodic interest rate. Unlike the nominal yield method, the effective yield method takes compounding into account.
The expected annual rate of return on a bond, assuming the debt security is held until maturity, is represented by the Yield to Maturity (YTM). Yield to maturity (YTM) is the overall rate of return that a bond will have earned once all interest payments are made and the principal is repaid.
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