A certain U. S. Government savings bond can be purchased for​ $7,500. This bond will be worth​ $10,000 when it matures in 5 years. As an​ alternative, a​ 60-month certificate of deposit​ (CD) can be purchased for​ $7,500 from a local​ bank, and the CD yields​ 6. 25% per year. Which is the better investment if your personal MARR is 5​% per​ year? Assume annual compounding for CD

Answers

Answer 1

Savings bond, the present worth (PV) can be calculated using the formula:

PV = FV / (1 + i)^n

We can calculate the present worth of the savings bond as follows:

PV = $10,000 / (1 + 0.05) ^ 5

= $7,671.78

For the CD, we can use the formula for the future value (FV) of a lump sum investment with annual compounding:

Calculation of future value of the CD as follows:

FV = $7,500 × (1 + 0.0625) ^ 5

= $9,772.16

To calculate the present worth of the CD, we need to discount the future value back to the present value using the same formula as for the savings bond:

PV = $9,772.16 / (1 + 0.05) ^ 5

= $7,348.56

Comparing the two present worth values, we can see that the savings bond has a higher present worth, so it would be the better investment. Therefore, if your personal MARR is 5% per year, the U.S. Government savings bond would be the better investment compared to the 60-month CD offered by the local bank.

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Related Questions

Which document provides a brief summary of an applicant’s personal information, education, skills, work experience, activities, and interests?
a.
résumé
b.
cover letter
c.
networking letter
d.
personal goal statement

Answers

A resume is a document that provides a brief summary of an applicant’s personal information, education, skills, work experience, activities, and interests. Thus, option 'A' is the correct option.

What is a resume?

A curriculum vitae, often known as a resume or CV, is a document that a person creates and uses to highlight their educational history, professional experience, and accomplishments. Although there are many uses for resumes, they are most frequently employed to find new jobs. A standard resume includes a "summary" of relevant educational background and work history.

The resume is normally one of the first things a potential employer sees about a job seeker, along with a cover letter and occasionally an application for employment, and is commonly used to screen applicants, frequently followed by an interview.

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ceteris paribus, if the government imposes an excise tax on a good, then the price paid by buyers will ; while the (net) price received by sellers will question 10select one: a. increase; increase b. decrease; increase. c. increase; decrease. d. decrease; decrease.

Answers

To manufacture the same amount demand curve produced tax-free will cost the vendor extra money. In order to keep the same amount of profit or revenue as before taxes, the seller raises his price. The correct response b. decrease; increase.

Coffee consumers react to this tax-related price increase by reducing their demand for the beverage (the higher the price, the less is wanted) sellers would be forced to accept a smaller equilibrium amount that customers will purchase at a higher equilibrium price.

The price that sellers really receive after taxes are taken out will be less than the initial price before taxes.Reduce the effective price received for coffee (as production costs rise) .It should be emphasised that the elasticity of the demand and supply curves affects how much of a fall in effective price sellers obtain.The lower the effective price obtained by suppliers, the more elastic the demand curve. As a result, tax will raise the equilibrium price of coffee on the market (because the cost of production rises), lower the effective price that sellers receive (the equilibrium price less the tax), and decrease the equilibrium quantity of coffee.

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Which type of financial aid is often based on merit, as opposed to financial need?

Answers

Answer:

Scholarships

Explanation:

Merit-based aid goes to students based on their academic and/or extracurricular achievements rather than their financial need. Scholarships are the most common type of merit-based aid. Students may receive scholarships from nonprofit organizations, private businesses, and colleges and universities.

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Answer: scholarships

Explanation:

Content marketing is intended to attract potential buyers by building a strong brand reputation through online content, including:

Answers

It is true that Content marketing  aims to attract potential buyers through building of strong brand reputation through online content.

Content marketing refers to a marketing strategy which aims to attract and engage the audience (prospective buyers) through creation of relevant articles, videos, media etc.

The approach of Content marketing does promotes brand awareness and ensures that the business stays top of mind of the audience.

Hence, it is true that Content marketing  aims to attract potential buyers through building of strong brand reputation through online content.

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with occupancy of 75 nd a property size of 50,000 sf, what is signage revenue in year 1?

Answers

Signage revenue in year 1 is determined by the number of tenants occupying the space, the size of the property, the type of signage, and the agreement between the tenant and the owner.

In this case, if we assume an average of $10/sf for signage, then the total signage revenue in year 1 would be $500,000. This can be calculated by taking the total size of the property, 50,000 sf, and multiplying it by the agreed upon rate of $10/sf. The result would be $500,000. Signage revenue in year 1 is determined by the number of tenants occupying the space, the size of the property, the type of signage, and the agreement between the tenant and the owner.This number may be different depending on the size of the signage and any other factors that may have been agreed upon between the tenant and the owner.

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Colin listed his assets and liabilities on a personal balance sheet.

Colin’s Balance Sheet (August 2013)
Assets
Liabilities
cash
$1,500
credit card
$500
stocks
$800
rent
$800
car
$5,000
car loan
$1,200
coin collection
$1,200
student loan
$5,000
Total

Total


Which statement is true about the total assets and the total liabilities?
The total of the assets and the liabilities are the same.
The total of the assets is greater than the total of the liabilities.
The total of the assets is less than the total of the liabilities.
The total of the assets cannot be compared to the total of the liabilities.

Answers

Answer:

B

Explanation:

Describe the differences and similarities surrounding the circumstances that caused the financial crisis during the 1980s and the crisis of 2007.

Answers

Answer:

The financial crisis that began in the 1980s was the result of lax government regulations and management fraud that led to the closure of more than 1,000 savings and loans. The 2007 crisis was the result of risky mortgage loans and investments connected with those loans. In each case the situation resulted in borrowers’ inability to pay back loans and caused many to lose their homes due to foreclosure.

Explanation: Took the practice test on edge and this was the sample response. ^-^

Increased unemployment, loss of income and increased risk have been among the major social impacts of the crisis.

What do you mean by financial crisis?

A financial crisis is when financial instruments and assets fall sharply in value.

In the 1980s, The financial crisis that occurred was the result of government regulations and administrative fraud that resulted in the closure of savings and more than a thousand loans.

The crisis of 2007 was the result of risky home loans and investments related to those loans.

Thus,these are the differences and similarities of the financial crisis during the 1980s and the crisis of 2007.

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What is market research? (Please be simple easy to understand)

Answers

the action or activity of gathering information about consumers' needs and preferences.
to gather information about consumers about what they prefer and want

hello , What are three common tools for qualitative research in business and marketing?

Answers

Answer:

they would be in-depth interviews, focus group discussions and observation over data

Explanation:

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When advertisers want to reach the same audience more than once, they are concerned with ______.a. humorb. targetc. frequency

Answers

When advertisers want to reach the same audience more than once, they are concerned with frequency.

What is frequency?

Frequency refers to the number of times an ad is exposed to the same audience during a certain period. It is a key concept in advertising because it allows marketers to ensure that their message reaches their target audience, and it is frequently used in the context of media planning and buying to maximize the impact of advertising campaigns.

How does frequency help advertisers?

Frequency helps advertisers by increasing the chances that their message will be noticed, remembered, and acted upon. By exposing their target audience to their message more than once, advertisers can reinforce their brand, build trust, and create a lasting impression that will drive sales and boost brand loyalty.

How to calculate frequency?

Frequency can be calculated by dividing the total number of impressions by the total number of people in the target audience. For example, if a campaign generated 10,000 impressions and reached 5,000 people, the frequency would be 2. This means that the average person in the target audience saw the ad twice during the campaign.

What are the benefits of frequency?

There are many benefits to using frequency in advertising campaigns. For one, it helps to reinforce the message and create a lasting impression. It also helps to build trust and credibility with the target audience, as well as increase brand loyalty. Additionally, it can help to drive sales and generate more revenue for the business. All of these factors contribute to the overall success of an advertising campaign, and make frequency an essential component of any marketing strategy.

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Which of the following items have inelastic demand? (Remember: items that are "wants"
and/or have many substitutes tend to be elastic. Items that are "needs" and/or have few
substitutes tend to be inelastic.) Select all that apply.

Answers

The situation that have inelastic demand are:

Very costly goodsVery cheap goods

What is an inelastic demand?

This class of demand is one where the change in quantity demanded due to a change in price is very small.

Hence, when there is very costly goods or cheap good, the inelastic demand can happens

Therefore, the Option C is correct

Missing options " A. Very costly goods. B. Very cheap goods.C. Both A and B. "

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You've used Jobs Theory to conduct research on how customers are buying your products. You've discovered that they're buying for a different reason than you expected. What should you do

Answers

Answer:

You should atleast try to ask them what their buying it for an diffrent reason

Explanation:

You should atleast try to ask them what their buying it for an diffrent reason.

         

Sorry if this does'nt help at all.

Please help will mark brainliest

Please help will mark brainliest

Answers

Answer:

first b

second b

third a

Explanation:

Answer:

for the first one is b

and the second one is b

lastly last one is C

if im correct yq

Sarah got a big raise at her job, so she bought herself a new truck. She knew it was a splurge, but she figured with her extra money coming in, it would be manageable. Unfortunately, her company had to cut her job the very next month, leaving Sarah with a new truck and no extra money to pay for it. What does this scenario BEST represent? income risk interest rate risk personal risk inflation risk

Answers

Answer:

income risk

Explanation:

income risk

she thought she had lots of income, so she took a risk

Hope this helps plz hit the crown

The correct option is A). Income Risk

What is Income Risk?

Income risk is the type of risk that the income stream paid by a fund will decrease in regards to a fall in interest rates.

Income risks mainly occur due to the unpredictability of the market and can impact the market value and cash flows from the security.

This risk is most prevalent in the money market.

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Five years ago Tosev Inc. issued 30-year, $1,000 par value, semi-annual coupon bonds with a coupon rate of 9.10 percent. The bonds originally sold at a price of $1,010.32 per bond. Currently, those bonds have a market price of $1,118.15 per bond. The Chief Financial Officer of Tosev is currently considering issuing new bonds. These bonds will have a par value of $1,000, semi-annual coupon payments, a term of 25 years and a coupon rate of 8 percent. Due to differences in the legal provisions of the bonds, the Chief Financial Officer estimates that the yield to maturity on the new bonds will be one percent higher than the current yield to maturity on the old bonds. Based on the Chief Financial Officer's estimate, what would be the price per bond of the new bonds today?
A. $ 817.44
B. $ 896.67
C. $ 901.19
D. $1,000.00
E. $1,118.15
Which of the following statements is most correct?
A. If a bond's yield to maturity exceeds its annual coupon rate, then the bond will be trading at a premium.
B. If interest rates increase, the relative price change of a 10-year coupon bond will be greater than the relative price change of a 10-year zero coupon bond.
C. If a coupon bond is selling at par, its current yield equals its yield to maturity. (Hint: a bond's current yield equals annual coupon payment divided by current price).
D. Both a and c are correct.
E. None of the answers above is correct.

Answers

---------------------Explanation:

Personal papers are documentary materials of a private or nonpublic character that do not relate to, or have an effect on, the conduct of agency business. True or false?.

Answers

It is true that personal papers are official records with a private or nonpublic nature that have no bearing on how an agency conducts business.

Documentary materials used solely for personal purposes are referred to as personal papers. They consist of the following types of content:

Documents produced prior to joining the government service: files from prior employment, political materials, and reference filesPrivate documents created, received, or brought into the office include family and personal correspondence, records of work-related, extracurricular, or political activity, book and article manuscripts, drafts, and volunteer and community service records.

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True or False. Liquidity means that your money is tied up and unavailable.

Answers

Answer: True

Explanation:

Which sequence of HACCP principles is in the correct order?


A.


Establish critical limits for each CCP, conduct a hazard analysis, and establish corrective actions.


B.


Conduct a hazard analysis, identify CCPs, and establish critical limits for each CCP.


C.


Establish record-keeping procedures, establish corrective actions, and establish CCP monitoring requirements.


D.


Establish CCP monitoring requirements, conduct a hazard analysis, and identify CCPs.


E.


Conduct a hazard analysis, identify CCPs, and establish CCP monitoring requirements.

Answers

Answer:

B

Explanation:

Hazard analysis of critical control point (HACCP) is a process of identifying and assessing risks alongside the biological , physical and chemical hazards associated with food production .

The sequence of the first three of the seven principles are

1. Conduct hazard analysis to determine potential risks related to food protection

2. Identify the critical control point (CCP) which addresses controlling identified hazards that are mostly likely to cause injury to health

3. Establishing critical limits for each CCP , which is the highest or lowest level a biological ,physical or chemical parameter must be controlled to prevent or minimize hazards.

Answer:

B. Conduct a hazard analysis, identify CCPs, and establish critical limits for each CCP

Explanation:

A CVS/pharmacy store is an example of a ________ business. Group of answer choices national multinational local regional boutique

Answers

Answer:

A CVS/pharmacy store is an example of a national business.

Explanation:

Why do you think celebrities bother to involve themselves in politics?

Answers

Answer:

Answer in explanation.

Explanation:

I think that celebrities bother to involve themselves in politics to try and make a statement or gain more fame and followers. Oftentimes, you see celebrities speaking on world events such as the BLM act, global warming, wildfires, or the pandemic that is still ablaze. As we all know, all politicians have their strong opinions but the points do not always get across when just the politicians talk about it. Sometimes, celebrities feel the need to speak on a topic that may be popular in the world of politics just to shine a light on it or even to get more attention. In conclusion, I feel that celebrities try to worm their way into politics because I believe that they think that it will make an impact.

There are several reasons why celebrities may choose to involve themselves in politics.

Why celebrities bother to involve themselves in politics?

One reason is that they may feel a sense of responsibility or obligation to use their platform and influence to bring attention to important political issues and advocate for causes they believe in.

Additionally, celebrities often have access to resources and connections that can be useful in political activism and lobbying efforts.

Furthermore, political involvement can also benefit a celebrity's public image and career. By aligning themselves with certain political causes, celebrities may appeal to certain fan bases or demographics, which can increase their popularity and influence.

Moreover, some celebrities may simply be passionate about politics and want to use their voice and platform to make a difference in society. Overall, there are various reasons why celebrities may choose to involve themselves in politics, and the motivations can vary depending on the individual.

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What personnel records would you suggest for a small retailer with three employees?

Answers

Explanation:

For a small retailer with three employees, the ideal would be to keep personnel records well organized, because regardless of the size of the company, the records function as a perspective of the human resources department and a protection for the company, therefore it is essential that the company have registration forms, selection data, evaluation reports, disciplinary forms, job description, social security number, etc.

T/F. Suppose the central bank of a country sells its government's bonds. This helps fund the government of that country.

Answers

The given statement "Suppose the central bank of a country sells its government's bonds. This helps fund the government of that country" is False because When the central bank of a country sells its government's bonds, it does not help fund the government of that country.

Instead, this action serves as a monetary policy tool to control the money supply and manage inflation rates. Selling government bonds by the central bank actually decreases the money supply in the economy. When the central bank sells these bonds, individuals and institutions purchase them, effectively transferring their money from private hands to the central bank.

This reduces the amount of money circulating in the economy, leading to higher interest rates and a contraction of credit, which can slow down economic growth.

It's important to distinguish between the central bank selling government bonds and the government itself issuing bonds. When the government issues bonds to raise funds for public spending, it directly helps fund the government. However, when the central bank sells existing government bonds, it is acting independently as a part of its monetary policy, and not with the primary goal of funding the government.

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Specter Company combines cash and cash equivalents on the balance sheet. Using the following information, determine the amount reported on the year-end balance sheet for cash and cash equivalents. $18,000 cash deposit in checking account. $50,000 bond investment due in 20 years. $12,500 U. S. Treasury bill due in 1 month. $950, 3-year loan to an employee. $4,000 of currency and coins. $1,250 of accounts receivable

Answers

A balance sheet is a financial statement that reports a company's assets, liabilities, and equity at a specific moment in time.

The balance sheet is divided into two parts: the assets section and the liabilities and equity section. Specter Company's balance sheet combines cash and cash equivalents. Let's calculate the cash and cash equivalents based on the following information:$18,000 cash deposit in checking account. $50,000 bond investment due in 20 years. $12,500 U. S. Treasury bill due in 1 month. $950, 3-year loan to an employee. $4,000 of currency and coins. $1,250 of accounts receivableCash and cash equivalents refer to a company's most liquid assets that can be converted into cash quickly.

Cash and cash equivalents include cash in hand, cash in banks, and short-term investments with a maturity of fewer than three months. Therefore, we will exclude the $50,000 bond investment because it will not be liquidated for 20 years. We'll also leave out the $950 employee loan because it is not cash or cash equivalent. The $12,500 US Treasury bill due in 1 month, $18,000 cash deposit in checking account, and $4,000 of currency and coins are all cash or cash equivalents. To calculate the cash and cash equivalents, we'll add them up:$$12,500 + $18,000 + $4,000 = $34,500Therefore, Specter Company balance sheet would report $34,500 for cash and cash equivalents.

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After learning about social media ethics, what 5 things would you tell other high school students positive or negative about social media and how it will potentially affect their high school experience and their potential career?

Answers

1. A positive is meeting and learning from new people 2. social media Can be dangerous to mental health 3 Stay in touch with distant people 4. Learn subjects 5. What you say online can bite you on the butt

the completion of the panama canal affected trade by

Answers

The concept is the Panama Canal. It is an 82 km long artificial waterway in Panama that connects the Atlantic with the Pacific and separates North and South America.

More than a century agone , the opening of the Panama Canal revolutionized transnational trade, making trip between the Atlantic and Pacific much easier and briskly. Considered one of the prodigies of the ultramodern world, the Panama Canal opened its doors 100 times ago this Friday, connecting the Atlantic and Pacific abysses and furnishing a new route for transnational trade and military transport.

The main effect of the Panama Canal was to dock the duration of ocean passages between the Atlantic and the Pacific. Before the conduit opened in 1914, vessels had to circumnavigate the southern tip of South America to get from seacoast to seacoast.

The Panama Canal's topmost asset was its influence on shipping between the east and west beachfronts of the United States. The main advantage of the construction of the Panama Canal was the preface of new plumbing technologies.

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For what reason can you infer that it might be relevant for a policy analyst to have a law degree?
A) Departments of education are in the executive branch, and most executive-branch officials have law degrees.
B) Policy analysis is a volatile job market, and it is helpful to have another field to fall back on.
C) Education policy needs to be enacted into law by our legislators and needs to comply with other state and federal laws.
D) Policy analysts tend to get sued by ideological foes, so legal knowledge is good protection.

Answers

Explanation:

i think is answer b.....m.

luz sells cupcakes. according to market economics, which is the BEST signal that a consumer value her product highly?
A)that they readily pay the full price per cupcake
B)the glowing yelp reviews they often write
C)the line out the door every Sunday morning
D)the many competing companies that imitate her business

Answers

The best signal that a consumer values Luz's cupcakes highly, according to market economics, is when they readily pay the full price per cupcake.

In market economics, the willingness of consumers to pay the full price per cupcake serves as a strong indicator of how much they value the product. When consumers willingly pay the established price, it suggests that they believe the cupcakes are worth the cost and that they derive satisfaction or utility from consuming them. This willingness to pay indicates that the consumers perceive the cupcakes to be of high value and are willing to allocate their resources accordingly.

While glowing Yelp reviews and a line out the door every Sunday morning can also be positive signals, they do not necessarily reflect the level of value that consumers place on the cupcakes. Yelp reviews can be subjective and vary in terms of individual preferences, and a line out the door may be influenced by factors other than value, such as hype, scarcity, or social influence.

On the other hand, the presence of many competing companies that imitate Luz's business may suggest that there is demand and market potential for her cupcakes. However, it does not directly indicate the level of value consumers attribute to her specific product.

Therefore, among the given options, the best signal that a consumer values Luz's cupcakes highly, according to market economics, is their willingness to readily pay the full price per cupcake.

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To file your federal and state taxes you ____________?
a)must prepare different forms for each type of government (if your state requires it)
b)can use tax preparation software for federal taxes, but can't for state taxes
c)must prepare the same tax forms for both
d)can use tax preparation software for state taxes, but can't for federal taxes

Answers

Answer:

a)must prepare different forms for each type of government (if your state requires it)

Explanation:

Federal is the same for everyone, state is dependent for which state you live and work in. B and C are wrong because you can use tax preparation software for both Federal and state.

To file your federal and state taxes you should: a. prepare different forms for each type of government (if your state requires it)

Recall:

Preparing of tax returns for federal and states is done using different forms as it applies to your state.There are tax preparation software that can be used whether federal or state tax. Examples of tax preparation software are Credit Karma Tax, Jackson Hewitt, TaxSlayer, among others.

Therefore, to file your federal and state taxes you should: a. prepare different forms for each type of government (if your state requires it)

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Which type of dividend payment policy has the disadvantage that if a firm's earnings drop or if a loss occurs in a given period, dividends may be low or nonexistent?

Answers

Constant payout policies have the drawback of making dividends low or nonexistent if a company experiences a decline in earnings or a loss during a particular period.

Having a constant payout ratio means:

A dividend policy with a continual dividend payout ratio is one in which the portion of earnings distributed as dividends is constant. In other words, a continual dividend ratio policy keeps the dividends paid to shareholders at the same percentage of earnings.

How is the continual dividend payout ratio calculated?

You can determine the dividend payout ratio by dividing the annual dividend per share by the per-share earnings or by dividing the dividends by net income.

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which sentence best completes the diagram -
the federal reserve decreases the discount rate

Answers

The appropriate answer to the given question is option A bank decreases their bank rate.

What is a federal reserve?

The Federal Reserve is the nation's central bank. The Fed oversees the biggest banks in the country, sets monetary policy, and offers financial support to the federal government of the United States.

 

The complete part of the question is attached in the image below:

The rate at which the Federal Reserve loans to commercial banks is known as the discount rate. Commercial banks, on the other hand, are compelled to alter their pricing in the direction of the discount rate in order to maintain a profit.

Hence option A is correct.

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which sentence best completes the diagram - the federal reserve decreases the discount rate
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