Microfinance institutions aim to serve the largest poor population possible, eradicate poverty, achieve financial sustainability, and obtain operational sustainability. They do not aim to attain a zero-based bad debt ratio.
Microfinance institutions are financial organizations that provide small loans to low-income individuals or groups who typically lack access to traditional banking services. Their main goal is to help the poor escape poverty by providing them with financial services to support their entrepreneurial efforts and improve their living standards. Microfinance institutions have the following goals:
1. Serving the largest poor population possible: Microfinance institutions aim to reach as many low-income individuals as possible with their financial services. They focus on people who do not have access to traditional banking services and may not be able to obtain credit from banks.
2. Eradicating poverty: Microfinance institutions aim to help the poor escape poverty by providing them with financial services to support their entrepreneurial efforts and improve their living standards. They provide small loans to individuals or groups to help them start or expand their businesses.
3. Achieving financial sustainability: Microfinance institutions aim to achieve financial sustainability by generating enough income to cover their operating expenses and loan losses. They need to generate enough income from their loan portfolio to cover their operating expenses and loan losses.
4. Obtaining operational sustainability: Microfinance institutions aim to obtain operational sustainability by designing and implementing efficient processes to manage their loan portfolio. They need to ensure that their loan origination, disbursement, and repayment processes are efficient to reduce their operational costs.
Microfinance institutions do not aim to attain a zero-based bad debt ratio because it is impossible to eliminate all loan losses. They manage their loan portfolio to minimize loan losses but recognize that some losses are inevitable.
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Which of the following terms originated in the field of knowledge management?
A. Metadata
B. Search engine optimization
C. Big data
D. Data mining
Data mining originated in the field of knowledge management. The correct option is D.
Knowledge management is the process of capturing, distributing, and effectively using knowledge. It involves the creation, sharing, and utilization of information and knowledge within an organization to achieve its goals and objectives.
It includes identifying, collecting, organizing, and analyzing data, information, and knowledge to improve decision-making and enhance organizational performance.
Data mining is one of the techniques used in knowledge management to extract meaningful and useful information from large datasets. It involves the application of statistical and mathematical algorithms to discover patterns, relationships, and trends in data.
Data mining helps in identifying hidden knowledge and insights that can be used to make informed decisions and take corrective actions. It is a powerful tool for organizations to improve their business processes, optimize their resources, and gain a competitive advantage.
Therefore, data mining is an important term that originated in the field of knowledge management. The correct option is D.
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14.4. Company R stock traded at $23.75 and with a PE of 10. Company R bought- back 5% of their stock. If the PE remains at 10, then what is the new stock price? (Answer in dollars to two decimal places, but without the dollar sign, XX.XX for example.)
The new stock price is $22.56.
First, let's calculate the earnings per share (EPS) of Company R:
PE = Price/EPS
EPS = Price/PE
EPS = 23.75/10 = 2.375
Next, let's calculate how many shares were bought back:
Shares bought back = 5% x Total shares
We don't know the total number of shares, but we can use algebra to solve for it:
PE = Price/EPS
Total shares = Price/(EPS x PE)
Total shares = 23.75/(2.375 x 10) = 1,000
Shares bought back = 5% x 1,000 = 50
Now, we can calculate the new EPS:
New EPS = 2.375 x (1 - 0.05)
New EPS = 2.25625
Finally, we can calculate the new stock price:
New price = New EPS x PE
New price = 2.25625 x 10 = 22.56
Therefore, the new stock price is $22.56.
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Which would be an effective strategy for applying what you learned from alex honnold?
Alex Honnold is an American rock climber, he has climbed the most challenging routes without any rope or safety gear, thus becoming a legend in the climbing community.
His exceptional skill and bravery have inspired people around the world to pursue their passions, no matter how daunting the challenges may seem. Here are some effective strategies for applying what you learned from Alex Honnold:
Plan ahead: Alex Honnold always plans ahead and visualizes his entire climb before starting. This helps him to anticipate the potential dangers and devise ways to overcome them. You can apply this strategy in your life by setting clear goals and creating a plan to achieve them. Visualization can help you to stay focused and motivated and avoid distractions. So, try to create a mental picture of what you want to achieve, and then work towards it with determination and persistence.
Focus on the process: Alex Honnold never gets overwhelmed by the magnitude of the task at hand. Instead, he focuses on the process of climbing one hold at a time. This helps him to stay in the moment and maintain his concentration. You can apply this strategy in your life by breaking down complex tasks into smaller, manageable ones. This will help you to avoid feeling overwhelmed and stay focused on the task at hand.
Build your skills: Alex Honnold didn't become a world-class climber overnight. He spent years honing his skills and practicing his craft. You can apply this strategy in your life by investing in your personal development and learning new skills. This will help you to become more confident and capable, and open up new opportunities for growth and success. So, set aside some time each day to read, study, and practice, and watch your skills improve over time.
In conclusion, Alex Honnold's approach to climbing is an inspiration for anyone who wants to achieve great things. By planning ahead, focusing on the process, and building your skills, you can apply what you learned from him and achieve your goals.
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Lemon Co uses a predetermined overhead rate based on computer hours used to apply manufacturing overhead to jobs. At the beginning of the year, the company estimated fixed manufacturing overhead would be $350,480 and variable manufacturing overhead would be $4 per computer hour with 35,500 computer. hours. Lemon Co actually had $495,000 of manufacturing overhead with 33.500 computer hours for the year. Required: 1. Calculate the amount of the overhead that is applied. 2. How much is manufacturing overhead underapplied or overapplied for the year? 3. What is the journal entry to close out the underapplied / overapplied amount out to Costs of Goods Sold?
Lemon Co. uses a predetermined overhead rate. The applied overhead is calculated based on estimated rates, and any difference from actual overhead is recorded as under or overapplied amount.
1. Predetermined overhead rate:
The fixed manufacturing overhead estimate is $350,480, and the variable manufacturing overhead rate is $4 per computer hour. The total estimated overhead is calculated as follows:
Fixed manufacturing overhead: $350,480
Variable manufacturing overhead: $4/hour * 35,500 hours = $142,000
Total estimated overhead: $350,480 + $142,000 = $492,480
The predetermined overhead rate is calculated by dividing the total estimated overhead by the estimated computer hours:
Predetermined overhead rate = Total estimated overhead / Estimated computer hours
Predetermined overhead rate = $492,480 / 35,500 hours ≈ $13.87/hour
2. Overhead applied:
To calculate the amount of overhead applied, multiply the actual computer hours by the predetermined overhead rate:
Overhead applied = Actual computer hours * Predetermined overhead rate
Overhead applied = 33,500 hours * $13.87/hour
3. Manufacturing overhead underapplied/overapplied:
Manufacturing overhead underapplied/overapplied is the difference between the actual manufacturing overhead and the applied manufacturing overhead.
Manufacturing overhead underapplied/overapplied = Actual manufacturing overhead - Overhead applied
Manufacturing overhead underapplied/overapplied = $495,000 - (33,500 hours * $13.87/hour)
To determine whether it is underapplied or overapplied, compare the actual manufacturing overhead with the overhead applied. If the actual manufacturing overhead is higher, it is overapplied. If it is lower, it is underapplied.
4. Journal entry to close out the underapplied/overapplied amount to Costs of Goods Sold:
Assuming the manufacturing overhead is underapplied:
Debit: Manufacturing Overhead (Underapplied amount)
Credit: Costs of Goods Sold
If the manufacturing overhead is overapplied, the journal entry would be:
Debit: Costs of Goods Sold
Credit: Manufacturing Overhead (Overapplied amount)
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1) Neither total assets nor net income are affected when:
a) a company adjusts prepaid rent for rent expense at the end of the period
b) a company pays its employs bi-weekly
c) a company pays an amount owned to one of its vendors/suppliers
d) a company collects an amount owed by one of its customers
2) A chart of accounts:
a) is used to prepare the financial statements
b) reports the balance in all accounts
c) shows that debit equals credits
d) lists all of the account names and account numbers
1. When a company pays its employees bi-weekly, neither total assets nor net income is affected. (option.b)
2. A chart of accounts lists all of the account names and account numbers. (option.d)
1. Bi-weekly paychecks refer to paying employees every two weeks. Employees will receive 26 paychecks each year under a bi-weekly payment schedule. There is no impact on total assets or net income when a company pays its employees bi-weekly.
A company adjusts prepaid rent for rent expense at the end of the period. This transaction decreases the asset account prepaid rent and increases the expense account rent expense, resulting in a net decrease in total assets and net income.
A company pays an amount owned to one of its vendors/suppliers. This transaction decreases the asset account cash and decreases the liability account accounts payable, resulting in no impact on total assets and net income. A company collects an amount owed by one of its customers. This transaction increases the asset account cash and decreases the asset account accounts receivable, resulting in no impact on total assets and net income.
2. A chart of accounts is a list of all the accounts used by a company and their account numbers. It is used to record transactions and classify them into the correct accounts. The chart of accounts serves as a roadmap for preparing financial statements and reports, making it easier to access financial information.
The chart of accounts is a list of all accounts used by a company, with each account identified by an account number and an account name. The chart of accounts is used to record transactions and classify them into the correct accounts.
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Your retail consultant is advising you on the best chips to keep near the checkout area. They claim that at the checkout area, for a store your size, Doritos outsell Cheetos by 40 bags a day or more. You wish to provide evidence to support this claim, using (Doritos minus Cheetos) for your hypothesis test. You take a random sample of 60 days with Doritos by the counter, finding average daily sales of 350 bags with a standard deviation of 120 bags. You take a random sample of 80 days with Cheetos by the counter, finding average daily sales of 280 bags with a standard deviation of 100 bags. At the 5% significance level, what is the upper bound of the correct confidence interval used in your hypothesis test? Please round to 2 decimal places. At the 5% significance level, can you provide evidence to support the consultant's claim? Please answer Yes or No. Yes means you can reject the null and support the consultant's claim. No means you do not have enough data to reject the null and thus cannot support the consultant's claim.
To calculate the upper bound of the correct confidence interval, we need to perform a two-sample t-test for the difference in means between Doritos and Cheetos. After calculation, the upper bound of the correct confidence interval is 107.44.
A two-sample t-test is a statistical test used to compare the means of two independent groups or samples to determine if there is a significant difference between them. It is commonly used when comparing the means of two treatment groups, two populations, or two variables.
The null hypothesis (H0) in a two-sample t-test states that there is no significant difference between the means of the two groups, while the alternative hypothesis (Ha) states that there is a significant difference.
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1. Firm PremiumV is a car manufacturer located in the United State.
2. The firm imports parts to USA from foreign suppliers in Japan, South Korea and Mexico.
3. The firm exports cars to Australia, Canada, Germany and Norway.
4. The firm has a payment of 600,000,000 JPY due in 1 months to their Supplier 1 in Japan, a payment of 200,000,000 JPY due in 3 months to their Supplier 2 in Japan, a payment of 8,000,000,000 KRW due in 3 months to their Supplier in South Korea, and a payment of 10,000,000 MXN due in 3 months to their Supplier in Mexico.
5. The firm is due to receive 50,000,000 AUD from their customer in Australia in 3 months, 50,000,000 CAD from their customer in Canada in 6 months, 20,000,000 EUR from their customer in Germany in 3 months and 100,000,000 NOK from their customer in Norway in 3 months
> Please design hedging strategies for the firm. You need to explain why your chosen hedging strategies are better than the other strategies.
> You also need to evaluate the hedging outcomes – what will the outcomes be if exposures are hedged using your hedging strategies and what will the outcomes be if exposures are not hedged.
If the USD/KRW exchange rate drops by 10%, the firm will have to pay an additional $ 720,000 to their suppliers in South Korea.
Hedging strategies for PremiumV:
As the payment of 600,000,000 JPY is due in 1 month, the firm may consider hedging the currency risk by purchasing forward contracts for 1 month to buy JPY.
Similarly, for a payment of 200,000,000 JPY due in 3 months, the firm may consider purchasing forward contracts for 3 months. However, forward contracts will only cover the risk of fluctuations in the currency exchange rate and will not protect the firm from credit risk.
This will give them the right to sell KRW and MXN at a pre-determined exchange rate. This strategy will limit the potential loss to the premium paid for the option. However, this strategy will not cover the credit risk from their suppliers. The firm should evaluate the cost of the option premium compared to the potential loss if they do not hedge their currency exposure.
For the receipts due in 3 months from AUD and EUR, the firm may consider delaying the receipt or accelerating payment of the payables in AUD and EUR. This will create a natural hedge and reduce the exchange rate risk. For the receipts due in 6 months from CAD, the firm may consider forward contracts. The firm may also consider a money market hedge by investing CAD in the Canadian market and borrowing USD in the US market.
The choice of hedging strategy will depend on the cost of borrowing and the expected return on investment.Evaluation of hedging outcomes:
If the exposures are not hedged, the firm will be exposed to currency risk which may result in significant losses. For example, if the USD/JPY exchange rate drops by 10%, the firm will have to pay an additional $ 5.5 million to their suppliers in Japan. Similarly, if the USD/KRW exchange rate drops by 10%, the firm will have to pay an additional $ 720,000 to their suppliers in South Korea.
If the USD/MXN exchange rate drops by 10%, the firm will have to pay an additional $ 1 million to their suppliers in Mexico. On the other hand, if the USD strengthens, the firm will receive less revenue from their exports.To hedge the currency risk, the firm may incur additional costs such as option premium, forward points, and borrowing costs. However, these costs will be offset by the benefits of reduced currency risk.
By hedging their exposures, the firm can ensure that their cash flows are more predictable and stable.
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TRUE / FALSE. "Increasing the probability and impact of negative events is one
of the objectives of Project Risk Management
Increasing the probability and impact of negative events is one
of the objectives of Project Risk Management is False.
Increasing the probability and impact of negative events is not one of the objectives of Project Risk Management. The main objective of Project Risk Management is to identify, assess, and mitigate risks to minimize their negative impact on the project. The goal is to proactively manage risks by implementing strategies to reduce their likelihood or impact, or by developing contingency plans to address them effectively. The aim is to increase the probability of project success by minimizing the occurrence and impact of negative events or risks. Therefore, the statement is false.
Project Risk Management aims to mitigate risks and minimize their negative impact on a project, rather than increasing the probability and impact of negative events. By effectively managing risks, project managers can improve the chances of project success and ensure that potential issues and challenges are addressed proactively.
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Jamestown, Inc. is family-owned C-corporation whose stock is not traded on an exchange. Jamestown, Inc. stock is owned as follows:
· Virginia 6,000 shares
· Miles 8,000 shares
· John 2,000 shares
· Hope 4,000 shares
· Z corporation 3,000 shares
· VM partnership 2,000 shares
· Total shares issued & outstanding 25,000 shares
Virginia would like to redeem 3,000 shares of her stock. The stock has a fair market value of $500,000 and Virginia has a basis of $150/share for her stock. Here are the relationships Virginia has with the other shareholders of Jamestown, Inc.:
· Miles is Virginia’s older brother
· John is Virginia’s father
· Hope is Virginia’s sister
· Virginia owns 60% of the stock of Z corporation
· Virginia has a partnership interest of 30% in VM partnership.
a. How many shares of stock is Virginia deemed to own in Jamestown, Inc.
b. Assume that Virginia is in the 37% tax bracket. How much tax would Virginia owe if the transaction above (i.e. the redemption of 3,000 share of her Jamestown stock) occurs?
c. You are Virginia’s tax advisor and you know that Virginia would like to minimize her tax liability. In addition, Virginia has a long-term capital loss carryforward of $20,000. Could you offer another option to Virginia? Be as specific as possible in explaining the tax implications of your plan.
a. Virginia is deemed to own 14,800 shares of stock in Jamestown, Inc. The ownership of Virginia is as follows:Virginia: 6,000 sharesMiles: 8,000 sharesJohn: 2,000 sharesHope: 4,000 sharesZ corporation: 3,000 shares (60%) = 1,800 sharesVM partnership: 2,000 shares (30%) = 600 sharesTotal shares: 6,000 + 8,000 + 2,000 + 4,000 + 1,800 + 600 = 22,400Virginia: 6,000 + 3,000 (redemption shares) - 3,000 (reduced shares) + 60% (3,000) + 30% (3,000) = 14,800 sharesb.
Virginia will owe $62,550 in tax if the transaction above (i.e. the redemption of 3,000 shares of her Jamestown stock) occurs.The calculation is as follows:Sales proceeds: 3,000 shares × $500/share = $1,500,000Basis: 3,000 shares × $150/share = $450,000Realized gain: $1,050,000Recognized gain: $1,050,000Tax rate: 37%Tax liability: $1,050,000 × 37% = $387,000c. Instead of selling the stock and realizing capital gain, Virginia could donate the stock to a qualified charitable organization.
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Carlos wants to make sure his sister Ana will inherit the house when he dies. Carlos had a grant deed notarized and put it in the closet. Carlos told Ana to record it as soon as he died. Is this grant deed valid? Explain your answer.
For a grant deed to be valid, certain requirements must typically be met. One essential requirement is that the deed must be delivered to the grantee, Ana in this case, during the grantor's lifetime. Simply notarizing the grant deed and keeping it in the closet without delivering it to Ana may raise questions about the validity of the transfer.
Recording a deed is generally done to provide notice to the public and establish priority of ownership. However, recording a deed alone does not necessarily make it valid or enforceable. The delivery of the deed to the grantee is crucial for the transfer of ownership to take effect.
Without proper delivery of the grant deed to Ana during Carlos' lifetime, it may be challenging to establish the validity of the transfer and Ana's rights to inherit the house. It is advisable for Carlos to consult with an attorney to ensure that his intentions are properly documented and legally enforceable, considering the specific laws and requirements in his jurisdiction.
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Prime Minister Scott Morrison has picked a policy that allows first home buyers to use up to $50,000 from their superannuation as security to purchase a property. How would the implementation of this policy impact the economy?
The policy picked by the Australian Prime Minister Scott Morrison that allows first home buyers to use up to $50,000 from their superannuation as security to purchase a property would impact the economy in various ways.
Below are some of the ways in which this policy will affect the economy:
1. Housing prices: The policy would lead to an increase in demand for housing, thereby leading to an increase in prices. This would be because more people would be able to afford a home with the help of their superannuation funds.
2. Investment: The implementation of this policy could result in a decline in the level of savings that would typically be available for investment.
3. Inflation: This policy could lead to an increase in inflation as demand for housing and the cost of borrowing increases.
4. Retirement funds: Since superannuation funds will be reduced, individuals will have less money available in retirement funds. This means that the government may need to provide further support for older Australians who are living on a reduced income in their retirement.
5. Economic growth: The implementation of this policy could lead to an increase in economic growth as it will stimulate the housing market, which is an essential sector in Australia's economy.
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Discuss the following topics:
Security Risks
Security Risks Analysis
Operation Risk Analysis
I need 400 words answer
Security risks and operational risks are critical considerations for organizations to safeguard their assets, information, and operations. Conducting thorough risk analyses enables organizations to identify potential risks, evaluate their impact, and implement appropriate mitigation measures.
Security Risks:
Security risks refer to potential threats or vulnerabilities that can compromise the confidentiality, integrity, and availability of information and assets within an organization. These risks can arise from various sources, including external factors such as cyber attacks, physical theft, or natural disasters, as well as internal factors like employee negligence or unauthorized access. Security risks can have severe consequences, including financial losses, reputational damage, and legal liabilities.
Security Risks Analysis:
Security risk analysis is a systematic process of identifying, assessing, and prioritizing potential security risks to an organization's assets and information. It involves evaluating the likelihood and impact of each risk and determining appropriate mitigation measures. The analysis typically includes the following steps:
Asset Identification: Identify and classify critical assets, including physical assets (e.g., infrastructure, equipment) and information assets (e.g., sensitive data, intellectual property).
Threat Assessment: Identify and evaluate potential threats that could exploit vulnerabilities and compromise the security of assets. This includes external threats (e.g., hackers, malware) and internal threats (e.g., employee misconduct, unauthorized access).
Vulnerability Assessment: Identify and assess vulnerabilities within the organization's systems, processes, and infrastructure that could be exploited by threats. This includes evaluating security controls, access controls, and potential weaknesses.
Risk Evaluation: Determine the likelihood and potential impact of each identified risk. This involves analyzing the probability of occurrence, the potential damage or loss, and the effectiveness of existing controls in mitigating the risks.
Risk Prioritization: Prioritize risks based on their severity, considering both the likelihood and impact. This helps in allocating resources and efforts to address the most critical risks first.
Risk Mitigation: Develop and implement risk mitigation strategies to reduce or eliminate identified security risks. This may involve implementing technical controls, enhancing security protocols and procedures, training employees, and establishing incident response plans.
Operation Risk Analysis:
Operational risk analysis focuses on identifying and mitigating risks related to the day-to-day operations and processes within an organization. These risks can include process failures, system breakdowns, human errors, regulatory non-compliance, and supply chain disruptions, among others. The analysis aims to understand potential operational risks, assess their impact on business operations, and develop strategies to manage and mitigate these risks effectively.
To conduct an operational risk analysis, organizations typically follow these steps:
Risk Identification: Identify and document potential operational risks specific to the organization's activities, processes, and industry.
Risk Assessment: Evaluate the likelihood and potential impact of each identified risk. Consider historical data, expert opinions, and industry best practices to assess the severity of the risks.
Risk Evaluation: Prioritize risks based on their severity, considering factors such as potential financial impact, regulatory consequences, customer impact, and reputational damage.
Risk Mitigation: Develop and implement risk mitigation strategies to manage and reduce identified operational risks. This may involve implementing robust internal controls, redundancies in critical processes, staff training and awareness programs, and continuous monitoring and review of operations.
Risk Monitoring and Review: Continuously monitor and review operational risks, update risk assessments, and adjust risk mitigation strategies as necessary. Regular monitoring helps ensure that risks remain within acceptable levels and that mitigation measures are effective.
By addressing security risks and operational risks proactively, organizations can enhance their resilience, protect their reputation, and maintain the continuity of their operations.
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Use the following for questions 7 - 9
Jessie and her friend Patrick are working together in their Art class at school to make.
blankets to sell on the weekend. Their most popular blankets are their classic blue blanket
and their royal red blanket. To make their classic blue blanket, it takes them 30 minutes fo
get the supplies ready for the blanket, 1 hour to make the blanket, and 30 minutes to finish
and box up the blanket. For the royal red blanket, it takes them 45 minutes to get the.
supplies ready, 30 minutes to make the blanket, and 1 hour to make the finishing touches
and box up.
Jessie and Patrick se 40 hours aside each week for getting their supplies ready to make.
the blankets. They have an additional 40 hours that they allocate each week for making
their blankets. Lastly, they dedicate 60 hours a week to finishing touches and boxing up
their blankets. Jessie and Patrick sell their classic blue blanket for a $15 profit and their
royal red blanket for a $20 profit. How many of each type of blanket should Jessie and
Patrick make to maximize their profit?
Question 7 What is the objective? O Maximize profit O Minimize profit O Maximize the number of blankets produced O Create the same number of classic blue and royal red blankets Question 8 What are the decision variables? O The number of hours spent getting the supplies ready, making the blankets and finishing up O The total number of blankets produced O The number of classic blue and royal red blankets made by Jessie and Patrick O The number of classic blue and royal red blankets produced (who produced them does not matter) Question 9
Blankets produced (who produced them does not matter) Which is a valid constraint? O Jessie and Patrick must produce the same number of blankets O The number of classic blue blankets must be equal to the number of royal red blankets produced O The number of hours spent making blankets must be less than or equal to 40 hours O The number of royal red blankets produced must be at least twice the number of class blue blankets produced
The objective is to maximize profit. The correct answer is option 1. (question 7)
Question 8 The decision variables are the number of classic blue and royal red blankets made by Jessie and Patrick. The correct option is 3. Question 9 A valid constraint is that the number of royal red blankets produced must be at least twice the number of classic blue blankets produced. The correct option is 4.
Jessie and Patrick have limited time to make the blankets, so they need to maximize their profits by using their time efficiently. They need to make decisions about how many classic blue blankets and royal red blankets to produce to maximize their profits. Question 7 The objective is to maximize profit. Jessie and Patrick are making these blankets to sell, so the objective is to earn as much profit as possible from the blankets they produce. They must make the decision to produce the right combination of blue and red blankets to maximize profits. Question 8The decision variables are the number of classic blue and royal red blankets made by Jessie and Patrick.
The total number of blankets produced is not a decision variable, but rather a result of the decision made about how many of each type of blanket to produce. The number of hours spent getting the supplies ready, making the blankets, and finishing up is also not a decision variable, as these values are already set by the problem. Question 9A valid constraint is that the number of royal red blankets produced must be at least twice the number of classic blue blankets produced. This constraint helps to limit the number of combinations of blue and red blankets that can be produced. Since the red blankets earn more profit than the blue blankets, the optimal combination will likely involve more red blankets than blue blankets. Therefore, setting a minimum number of red blankets helps to ensure that they will not produce too many blue blankets and not earn as much profit as they could.
Jessie and Patrick should produce more royal red blankets than classic blue blankets to maximize their profits. They can produce up to 12 royal red blankets and 8 classic blue blankets within the time limits set by their schedule. By following this plan, they can earn a maximum profit of $300.
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Case: Brewing Peace
1. Discuss the importance of CRM strategies for companies such as Brewing Peace. Evaluate the direct and indirect effects of CRM initiatives on Brewing Peace.
2. What is KAM? Discuss the different strategies Brewing Peace could adopt for KAM.
3. How did the relationship between Brewing Peace and CCEL evolve? Why did Brewing Peace continue its relationship with CCEL?
4. What should Brewing Peace do about its recent order from CCEL?
5. What other strategies could the company explore to achieve sales revenues of P2 billion by 2022?
The most cost-effective method for forming and keeping relationships with consumers Customer relationship management (CRM) goes beyond purely commercial objectives to also take into account strong interpersonal ties.
The growth of this kind of relationship propels the company to new heights of prosperity. Once this personal and emotional connection has been created, it is incredibly simple for any organization to identify the unique needs of the client and help them to serve them in a better way. It's a common idea that the more sturdy and successful a business is, the more delicate and difficult the procedures involved in establishing customer relationship management are.
The most cost-effective method for forming and keeping relationships with consumers Customer relationship management (CRM) goes beyond purely commercial objectives to also take into account strong interpersonal ties.
The growth of this kind of relationship propels the company to new heights of prosperity. Once this personal and emotional connection has been created, it is incredibly simple for any organization to identify the unique needs of the client and help them to serve them in a better way. It's a common idea that the more sturdy and successful a business is, the more delicate and difficult the procedures involved in establishing customer relationship management are.
This aids in focusing and paying attention to each customer separately. A CRM system is useful in attempting to attract new clients as well as traumatizing the already existing ones. The process begins with identifying a client and entering all the pertinent information into the CRM system, which is also known as an "opportunity of business." Afterward, the Sales and Field personnel work to earn business from those clients by deftly following up with them and turning them into successful sales. All of this may be done really effectively by a CRM system that is integrated. Client Relationship Management's greatest asset is how cost-effective it is.
When compared to the conventional company method, the technology used to construct a CRM system is also cutting-edge and swanky. All of the key components of the CRM system are centralized and available at all times. This will shorten the method time and boost output. Customer satisfaction will rise if all "clients," "buyers," or "shoppers" are effectively attended to and given what they truly desire. As a result, there will be a greater chance of getting a lot of business, which will ultimately improve turnover and profit. If the customer is satisfied, they will always remain loyal to you and you can continue doing business with them forever, which will increase your clientele and ultimately help your business expand online.
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QUESTION 16
A company with a net income of BD 215,000 and a dividend pay-out ratio of 35%, will retain how much cash
O a. BD 139750
O b. BD 75250
O c. BD 161250
O d. BD 180000
The company will retain BD 139,750 in cash. The company will distribute BD 75,250 as dividends, and the remaining amount, which is the cash retained, will be BD 139,750.
To calculate the amount of cash retained, we need to multiply the net income by the dividend payout ratio. The dividend payout ratio is the percentage of net income that is distributed as dividends, leaving the remaining portion as retained earnings.
In this case, the net income is BD 215,000, and the dividend payout ratio is 35%.
BD 215,000 * 0.35 = BD 75,250
Therefore, the company will distribute BD 75,250 as dividends, and the remaining amount, which is the cash retained, will be:
BD 215,000 - BD 75,250 = BD 139,750
Hence, option a: BD 139,750 is the correct answer.
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which of the following is a us government agency charged with developing and supporting standards used by other government organization
The National Institute of Standards and Technology (NIST) is a United States government agency charged with developing and supporting standards used by other government organizations.
What is NIST? NIST stands for the National Institute of Standards and Technology, which is a measurement standards laboratory established in 1901. The Institute operates under the authority of the US Department of Commerce's Technology Administration. It's headquartered in Gaithersburg, Maryland, with a second laboratory in Boulder, Colorado.
The mission of the National Institute of Standards and Technology (NIST) is to advance measurement science, standards, and technology in ways that improve economic security and quality of life. The Institute is known for developing and publishing technical standards, guidelines, and practices that are widely employed throughout a wide range of industries. It also provides metrology services and conducts research and development into areas such as materials science, computer security, and nanotechnology.
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Conflicts are often inevitable in the business world. Explain three of the five different conflict management styles and their potential implications for actually resolving conflict situations.
Conflict is an unavoidable reality of the business world. No matter how organized and cooperative a team is, some issues will arise. Resolving conflict involves skill, strategy, and preparation. Five types of conflict management styles that are commonly used to resolve conflicts include Compromising.
Competing, Collaborating, Avoiding, and Accommodating. In this question, we will be discussing three conflict management styles and their potential implications in the conflict resolution process.1. Competing styleCompeting is a conflict management style that involves the use of power to satisfy individual interests. Individuals use this style to compete with others in order to meet their own goals. It is a confrontational approach that can be aggressive. Competing style has a potential implication of quick resolution. However, the relationship with the other party is jeopardized.2. Collaborating styleCollaborating is a conflict management style that involves teamwork and working together to meet the interests of all parties.
It is a win-win approach that requires active listening and understanding. The potential implication of this style is that it leads to a constructive solution that can build a stronger relationship between the parties involved. However, it requires a lot of time, effort, and patience.3. Compromising styleCompromising is a conflict management style that involves both parties agreeing to give up something in order to reach a mutual agreement. This style is used to resolve conflicts that cannot be resolved through other styles. The potential implication of this style is that it results in a quick resolution. However, the solution is temporary and may lead to future conflicts. is a necessary evil in the business world. It is important to understand that there are different conflict management styles that can be used to resolve conflicts. Competing, Collaborating, and Compromising are some of the styles that are commonly used. The choice of a conflict management style depends on the nature of the conflict and the goals of the parties involved.
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The nurse determines that a client with coronary artery disease (CAD) needs further teaching about disease management if the client makes which statement?
Coronary artery disease (CAD) is a chronic, progressive disease that can lead to significant morbidity and mortality. Atherosclerosis is the root cause of coronary artery disease. Atherosclerosis is a disease of the arterial wall that involves the buildup of lipids, white blood cells, and other substances.
The disease leads to the formation of plaque, which can restrict blood flow to the heart muscle.When educating clients about CAD, it is important to emphasize lifestyle modifications and medications to control risk factors, prevent further cardiac events, and improve overall health status. These interventions can include stress management, weight loss, smoking cessation, exercise, and medications, including aspirin, beta-blockers, and cholesterol-lowering agents.When clients are educated about CAD, the nurse must assess their understanding of the disease and treatment plan. The nurse may need to provide further education if the client makes incorrect statements about the disease or its management.
The client needs further teaching about disease management if they make the following statement: "I only need to take my nitroglycerin when I have chest pain."Nitroglycerin is a medication used to relieve chest pain (angina) in individuals with CAD. However, it is not a preventative medication, and it does not reduce the risk of future cardiac events. Individuals with CAD should take medications as prescribed by their healthcare provider to prevent further progression of the disease and reduce the risk of cardiac events. If the client does not understand this concept, the nurse must provide further education.
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On August 31, the balance sheet of Sheffield Veterinary Clinic showed Cash $10,260, Accounts Receivable $1,938, Supplies $684, Equipment $6,840, Accounts Payable $4,104, Common Stock $14,820, and Retained Earnings $798. During September, the following transactions occurred. 1. Paid $3,306 cash for accounts payable due. 2. Collected $1,482 of accounts receivable. 3. Purchased additional equipment for $2.394, paying $912 in cash and the balance on account. 4. Performed services worth $8,322, of which $2,850 is collected in cash and the balance is due in October. 5. Paid a $456 cash dividend. 6. Paid salaries $1,938, rent for September $1,026, and advertising expense $228. 7. Incurred utilities expense for month on account $187. 8. Received $11,400 from Capital Bank on a 6-month note payable.
Prepare a tabular analysis of the September transactions beginning with August 31 balances.
The balance sheet of Sheffield Veterinary Clinic showed the following amounts: Cash $10,260, Accounts Receivable $1,938, Supplies $684, Equipment $6,840, Accounts Payable $4,104, Common Stock $14,820, and Retained Earnings $798 on August 31st.
Tabular analysis of September transactions beginning with August 31 balances is shown below: Note: The supplies expense is not included in the analysis as there is no record of the supplies used in September.
According to the given information, the balance sheet of Sheffield Veterinary Clinic showed the following amounts:Cash $10,260Accounts Receivable $1,938Supplies $684Equipment $6,840Accounts Payable $4,104Common Stock $14,820Retained Earnings $798 during August.As given in the question, the following transactions occurred during September:Paid $3,306 cash for accounts payable due.Cash account is decreased by $3,306, and accounts payable is decreased by the same amount as the payment is made against accounts payable.Accounts Payable - $798 - $3,306 = $-2,508; Cash - $10,260 - $3,306 = $6,954.Collected $1,482 of accounts receivable.Accounts Receivable account is decreased by $1,482, and cash account is increased by the same amount as the payment is made in cash.Accounts Receivable - $1,938 - $1,482 = $456; Expense account is increased by $187, and Accounts Payable account is increased by the same amount as it is an expense paid on account.Accounts Payable - $-1,596 + $187 = $-1,409; Utilities Expense - $0 + $187 = $187.Received $11,400 from Capital Bank on a 6-month note payable.Notes Payable account is increased by $11,400, and Cash account is also increased by the same amount as the payment is made in cash.Notes Payable - $0 + $11,400 = $11,400; Cash - $6,726 + $11,400 = $17,126.
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Presenting to Win Ch. 4 & 5 describe the flow structures and
select the one you feel is most significant.
Chapter 4 of "Presenting to Win" by Jerry Weissman discusses flow structures in presentations, which are frameworks or patterns that help guide the audience's understanding and retention of information.
Chapter 5 delves into the concept of "Storyboarding," which is a specific flow structure that follows a narrative arc.
In Chapter 4, Weissman presents several flow structures, including chronological, spatial, topical, problem/solution, and cause/effect. Each structure has its merits and can be effective depending on the content and purpose of the presentation.
However, the flow structure that I believe is most significant is the problem/solution structure. This structure involves identifying a problem or challenge and then presenting a solution or multiple solutions to address it. It follows a logical and persuasive progress that captures the audience's attention and engages them emotionally.
The problem/solution structure is powerful because it taps into the human desire for solutions and improvement. It creates a sense of urgency and relevance, as the audience can immediately relate to the problem being discussed. By presenting a well-articulated solution, the presenter can offer a clear path forward and demonstrate the value of their proposition.
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Dorothy Thomas sells gourmet chocolate chip cookies. The results of her last month of operations are as follows:
$48,000 Sales revenue
$20,000 Cost of goods sold (all variable)
_______
$28,000 Gross margin
$8,000 Selling expenses (70% variable)
$12,000 Administrative expenses (20% variable)
________
$8,000 Operating income
Q. If Dorothy can increase sales by 10%, by what dollar amount will her operating income increase?
An increase in the sales revenue of a business could cause an increase in operating income. To calculate the dollar amount that operating income increases as a result of an increase in sales, the contribution margin ratio is used.
Given below are the calculations to find out the answer:Step 1: Calculate the contribution margin:Contribution margin = Sales - Cost of goods soldContribution margin = $48,000 - $20,000Contribution margin = $28,000Step 2: Calculate the contribution margin ratio:Contribution margin ratio = Contribution margin ÷ SalesContribution margin ratio = $28,000 ÷ $48,000Contribution margin ratio = 0.583 or 58.3%Step 3: Calculate the current operating income:Operating income = Gross margin - Selling expenses - Administrative expensesOperating income = $28,000 - $8,000 - $12,000Operating income = $8,000Step 4: Calculate the current contribution margin:Contribution margin = Sales × Contribution margin ratio
Contribution Margin The contribution margin is the amount of money left over from sales revenue after all variable expenses are paid. In other words, it's the amount of money available to cover fixed expenses and provide a profit. The contribution margin ratio is the percentage of each sales dollar that is available to cover fixed costs and profit.Sales revenueThe amount of money that a business earns by selling its products or services is referred to as sales revenue. All sales that are made in exchange for money are included in the sales revenue.Cost of goods sold The direct costs of producing the items that are sold by a business are referred to as the cost of goods sold. This includes the cost of raw materials, labor, and anything else that is directly related to the production of the goods.Selling expenses The costs of promoting and selling a business's goods or services are referred to as selling expenses. This might include advertising, commissions, and other expenses that are directly related to the sales process.Administrative expensesThe costs of running a business that are not directly related to producing or selling goods or services are referred to as administrative expenses.
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Using the free cash flow valuation model to price an IPO Personal Finance Problem Assume that you have an opportunity to buy the stock of CoolTech, Inc., an IPO being offered for $6.81 per share. Although you are very much interested in owning the company, you are concerned about whether it is fairly priced. To determine the value of the shares, you have decided to apply the free cash flow valuation model to the firm's financial data that you've accumulated from a variety of data sources. The key values you have compiled are summarized in the following table, a. Use the free cash flow valuation model to estimate CoolTech's common stock value per share. b. Judging by your finding in part a and the stock's offering price, should you buy the stock? c. On further analysis, you find that the growth rate in FCF beyond 2023 will be 5% rather than 4%. What effect would this finding have on your responses in parts a and b? C*** a. The value of CoolTech's entire company is $ (Round to the nearest dollar.) X Data table (Click on the icon here in order to copy the contents of the data table below into a spreadsheet.) Free cash flow Year (t) FCF Other data 2020 $720,000 Growth rate of FCF, beyond 2023 to infinity = 4% 2021 $800,000 Weighted average cost of capital = 15% 2022 $920,000 Market value of all debt = $1,600,000 2023 $1,030,000 Market value of preferred stock = $640,000 Number of shares of common stock to be issued = 1,100,000
The value of CoolTech's entire company is $14,510,297.
Using the free cash flow valuation model to estimate CoolTech's common stock value per share.
To calculate the value of the common stock of the company, the free cash flow valuation model is used which is based on the company's FCF (Free Cash Flow).
Firm's Value = FCF / (WACC – g)
Where,
FCF = Free cash flow for the period
WACC = Weighted average cost of capital
g = Growth rate of the FCF beyond the period
The value of the company can be calculated by using the formula given below,
Firm's Value = FCF1 / (WACC – g) + FCF2 / (WACC – g)2 + FCF3 / (WACC – g)3 + FCF4 / (WACC – g)4 + Terminal Value / (WACC – g)4
Using the above formula, we can calculate the value of the firm as,
Firm's Value = ($720,000/1.15) + ($800,000/1.3225) + ($920,000/1.5291) + ($1,030,000/1.7568) + [($1,030,000 * (1 + 0.04))/(0.1576 - 0.04)]
=$626,085.50 + $605,398.67 + $602,116.16 + $586,885.15 + $12,089,811.67
= $14,510,297.15
The value of CoolTech's entire company is $14,510,297.
b. Judging by your finding in part a and the stock's offering price, should you buy the stock?
The offering price of the stock is $6.81 per share. The number of shares of common stock issued is 1,100,000. So, the total equity raised from issuing shares is $7,491,000. Therefore, the value of the common stock of the company is $14,510,297 / 1,100,000 = $13.19 per share.
The intrinsic value of the common stock of the company is $13.19, which is less than the offering price of $6.81 per share. Therefore, the stock of the company should not be purchased.
c. On further analysis, you find that the growth rate in FCF beyond 2023 will be 5% rather than 4%. What effect would this finding have on your responses in parts a and b?
If the growth rate in FCF beyond 2023 is 5% instead of 4%, then the value of the firm's common stock per share will increase as the growth rate of the company is higher, which means that it is a better investment. Therefore, the value of the common stock of the company can be calculated as,
Firm's Value = ($720,000/1.15) + ($800,000/1.3225) + ($920,000/1.5291) + ($1,030,000/1.7568) + [($1,030,000 * (1 + 0.05))/(0.1576 - 0.05)]
=$626,085.50 + $605,398.67 + $602,116.16 + $586,885.15 + $12,632,911.67
= $15,053,397.15
Therefore, the intrinsic value of the common stock of the company is $15.05 per share. The stock of the company should be purchased as its intrinsic value is greater than the offering price of $6.81 per share.
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Suppose you invested $125,000 three years ago. During the first year, you made 11.4%. During the second year you lost 3.41%. During the most recent year, you made 5.24%. How much money do you have?
Based on the given information, if you initially invested $125,000 three years ago and experienced different rates of return for each year, we can calculate the final amount of money you have.
1. For the first year, you made a return of 11.4%. Therefore, the amount after the first year is: $125,000 + (11.4% * $125,000).
2. For the second year, you experienced a loss of 3.41%. Therefore, the amount after the second year is: (previous year's amount) - (3.41% * previous year's amount).
3. For the most recent year, you made a return of 5.24%. Therefore, the final amount of money you have is: (previous year's amount) + (5.24% * previous year's amount).
By performing these calculations iteratively, we can determine the final amount of money you have after three years.
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Give an example of how you use systematic sampling in the Nursing field.
One example of how systematic sampling can be used in the nursing field is in a study examining the prevalence of a specific health condition among patients in a hospital.
Systematic sampling is a sampling technique that involves selecting every nth individual from a population list to be included in the sample. This technique has several advantages, including being easy to use and having the potential to reduce bias in the sample. It is an efficient way of conducting research because it can save both time and resources while still providing reliable data.
One example of how systematic sampling can be used in the nursing field is in a study examining the prevalence of a specific health condition among patients in a hospital. Suppose that there are 1000 patients in the hospital and the researcher wants to survey 100 patients. Using systematic sampling, the researcher could select every tenth patient on the patient list and survey them for the study. This ensures that the sample is representative of the population of interest and can provide useful information for healthcare professionals.
There are other uses of systematic sampling in the nursing field, such as selecting a sample of nurses to participate in a study to evaluate the effectiveness of a training program or selecting a sample of patients to assess the quality of care provided by healthcare professionals. The use of systematic sampling can help researchers obtain reliable data that can inform nursing practice and improve patient outcomes.
In conclusion, systematic sampling is a useful technique in the nursing field as it can help researchers obtain representative samples of the population of interest. It is an efficient and reliable way to gather data that can inform nursing practice and improve patient outcomes.
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1. Discuss the details of the Tesla's scandal. 2. Discuss whether or not Elon Musk should be held liable for the reported 450 coronavirus cases between May and December 2020, as he defiantly re-opened Tesla Fremont, California against county orders. 3. Elaborate on the possible course of action (s) to prevent a company's defiance against the local government's order to close down the manufacturing plant to prevent the spread of the coronavirus and also to put employees' well-being at risk.
Tesla's Scandal Tesla, the famous electric vehicle company founded in 2003, has been a company of fascination. It is unique in its approach to vehicle production. With the arrival of Elon Musk, the current CEO, Tesla is now one of the most valuable automakers in the world.
Tesla proceeded to reopen the Fremont factory, with Musk's support, without official clearance. A lawsuit ensued, and in the end, the two sides came to an agreement. During the time the factory was reopened, 450 coronavirus cases were reported to have occurred in the factory in between May and December 2020.Should Elon Musk Be Held Liable?According to a CNN report, Tesla didn't appear to be breaking any laws by reopening the factory, as it fell under a category that permitted "minimum basic operations," and California had eased its lockdown restrictions by then. Tesla did, however, fail to notify Alameda County officials that it had restarted production.
Musk should be held responsible for the 450 cases of coronavirus that resulted from the factory's reopening. Possible Course of Action To prevent companies from defying the government's orders, there should be harsh consequences. The company could be fined heavily, and its business license revoked. However, it is also crucial that companies' and their employees' rights are taken into account. It is the company's responsibility to ensure that employees are safe while on the job.
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In the long run: how is monetary policy related to exchange rate fluctuations?
In the long run, monetary policy can have an impact on exchange rate fluctuations. Changes in monetary policy, such as interest rate adjustments and money supply management, can influence the exchange rate of a country's currency.
Monetary policy refers to the actions taken by a central bank to manage the money supply, and interest rates, and stabilize the economy. When a central bank adjusts interest rates, it affects the cost of borrowing and lending, which in turn influences investment and consumption patterns. Changes in interest rates can attract or deter foreign investors, thereby impacting the demand for a country's currency.
Additionally, the money supply management by the central bank can influence the exchange rate. If the central bank increases the money supply, it may lead to inflation, which erodes the value of the currency. In response, foreign investors may sell the currency, causing its exchange rate to depreciate.
Conversely, if the central bank tightens the money supply to control inflation, it can strengthen the currency's value. A stronger currency can make imports cheaper but can also make exports more expensive, affecting the country's trade balance and influencing exchange rate fluctuations.
Overall, monetary policy actions, such as interest rate changes and money supply adjustments, can impact the exchange rate in the long run by influencing the demand and supply of a country's currency. The relationship between monetary policy and exchange rate fluctuations is complex and influenced by various economic factors, including interest rate differentials, inflation rates, and investor sentiment.
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17. can be used to further separate oil and water. A high-velocity stream is injected tangentially into the conical-shaped hydro-cyclones, creating a 18. One way to remove oil droplets from water is to pass water through or 19. The removal of small, suspended oil droplets can be aided by adding chemicals that and the droplets. 20. There are two major ion exchange resins that are commonly used: strong acid resins, using and weak acid resins, using Strong acid resins can be regenerated simply by flushing with a concentrated solution of
17.Hydro-cyclones can be used to further separate oil and water. A high-velocity stream is injected tangentially into the conical-shaped hydro-cyclones, creating a centrifugal force.
18. This force causes the oil droplets to move to the center of the hydro-cyclone where they form a concentrated stream. The oil is then removed from this stream.
19. One way to remove oil droplets from water is to pass water through a coalescing filter or coalescing plate. These filters are designed to allow the droplets of oil to come together and form larger droplets.
20. The removal of small, suspended oil droplets can be aided by adding chemicals that coagulate and agglomerate the droplets. There are two major ion exchange resins that are commonly used: strong acid resins, using sulfuric acid, and weak acid resins, using hydrochloric acid. Strong acid resins can be regenerated simply by flushing with a concentrated solution of hydrochloric acid.
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1. Agile projects and empirical processes such as Scrum are succesful because:
Scrum Master removes obstacles
There is a focus on "must have" requirements and "minimum viable product"
Product owner engages closely with the project team,
All of the above.
The correct answer is "All of the above." Agile projects and empirical processes like Scrum are successful because they incorporate all of these factors:
Scrum Master removes obstacles: The Scrum Master plays a crucial role in facilitating the Scrum process and ensuring that any obstacles or impediments faced by the team are addressed and removed. By doing so, the team can work efficiently and focus on delivering value.
Focus on "must have" requirements and "minimum viable product": Agile projects emphasize delivering the most essential features and functionality first. The focus is on delivering value early and continuously iterating and improving the product based on feedback. This approach ensures that the project stays aligned with customer needs and reduces the risk of developing unnecessary features.
Product owner engages closely with the project team: The Product Owner is responsible for representing the customer's interests and ensuring that the team develops the right product. Close engagement between the Product Owner and the project team helps in clarifying requirements, prioritizing work, and making quick decisions. This collaboration fosters a shared understanding and alignment among team members, leading to better outcomes.
By incorporating these practices, Agile projects can enhance collaboration, adaptability, and customer satisfaction, ultimately increasing the chances of project success.
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A financial institution has an investment horizon of 2 years, 9.5 months. The institution has converted all assets into a portfolio of 8 percent, $1,000, 3-year bonds that are trading at a YTM of 10 percent. The bonds pay interest annually. The portfolio manager believes that the assets are immunized against interest rate changes.
a. Is the portfolio immunized at the time of bond purchase? What is the duration of the bonds?
b. Will the portfolio be immunized one year later? After one year, the investment horizon will be 1 year, 9.5 months. At this time, the bonds will have a duration of 1.9247 years, or 1 year, 11+ months. Thus the bonds will no longer be immunized
c. Assume that one-year, 8 percent zero-coupon bonds are available in one year. What proportion of the original portfolio should be placed in zeros to rebalance the portfolio?
Please solve the problem without excel and solve the question by giving a clear explanation of each formula.
a. The portfolio is immunized if the duration of the portfolio is equal to the investment horizon. In this case, the investment horizon is 2 years and 9.5 months. The duration of the bonds can be calculated using the formula:
D = (PVIF 10%,3) * 3 + (PVIF 10%,2) * 2 - (PVIF 10%,3) * 3 / 1.10
Where PVIF is the present value interest factor. Using the PVIF table, the values are:
PVIF 10%,3 = 0.751PVIF 10%,2 = 0.826
Substituting these values into the formula:
D = (0.751) * 3 + (0.826) * 2 - (0.751) * 3 / 1.10D = 2.3036 years or 2 years, 3.6 months
Therefore, the portfolio is not immunized at the time of bond purchase as the duration of the bonds is less than the investment horizon.
b. To determine if the portfolio is still immunized after one year, we need to calculate the new duration of the portfolio after one year. Using the formula:
D = (PVIF 10%,2) * 2 + (PVIF 10%,1) * 1 - (PVIF 10%,3) * 1 / 1.10
Where PVIF is the present value interest factor. Using the PVIF table, the values are:
PVIF 10%,2 = 0.826
PVIF 10%,1 = 0.909
Substituting these values into the formula:D = (0.826) * 2 + (0.909) * 1 - (0.751) * 1 / 1.10D = 1.9247 years or 1 year, 11+ months
Therefore, after one year, the portfolio is no longer immunized as the duration of the bonds is less than the new investment horizon.
c. To rebalance the portfolio, we need to find the proportion of the portfolio that should be invested in zeros. We can use the formula:W2 = (D0 - D1) / (D0 - Dp)
Where W2 is the proportion of the portfolio to be invested in zeros, D0 is the original duration of the portfolio, D1 is the duration of the new bonds, and Dp is the duration of the portfolio after rebalancing.
Using the values:D0 = 2.3036 yearsD1 = 1 yearW2 = (2.3036 - 1) / (2.3036 - 1.9247)
W2 = 0.5552 or 55.52%
Therefore, 55.52% of the original portfolio should be placed in zeros to rebalance the portfolio.
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in building a condominium on land adjacent to a lake, a contractor drove piles into the ground to provide a stable base on which to construct the condominium. although the contractor used reasonable care in driving the piles, the vibrations from doing so caused cracks and other major damages to a nearby building. it was foreseeable that driving the piles, which is not an activity commonly engaged in, created a highly significant risk of physical harm, but there was no physical invasion of objects or particles as a result of driving the piles.
In the case described, the contractor is guilty of the tort of nuisance. The tort of nuisance occurs when an act or omission causes significant and unreasonable harm to someone else. In this case, the vibrations from the contractor's piling work caused significant damage to a nearby building, which is a type of nuisance.
The defendant (contractor) did not physically invade the plaintiff's (building owner's) property; instead, the damage was caused by vibrations from the piling work. However, the defendant is still liable for the harm caused because they should have reasonably foreseen that their piling work would create a significant risk of physical harm to nearby buildings.
Therefore, the building owner can sue the contractor for damages resulting from the nuisance. The contractor may have to compensate the building owner for the cost of repairing the damages caused by the piling work.However, the defendant is still liable for the harm caused because they should have reasonably foreseen that their piling work would create a significant risk of physical harm to nearby buildings.
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