An investment project costs $22,761 and has annual cash flows of $10,267 for six years. What is the discounted payback period if the discount rate is 5 percent?

Suppose you purchase a ten-year bond with 6 percent annual coupons. You
hold the bond for four years, and sell it immediately after receiving the fourth
coupon. If the bond's yield to maturity was 4.5% when you purchased and 7%
when you sold the bond. What is your annual rate of return on the bond in
each of the following situations:
a) All coupons were immediately spent when received.
b) All coupons were reinvested in a bank account, which pays 2 percent
interest until the bond is sold.

If you have a CEO or a person who is considered to be an insider sell a large block of stock and he gets reported through the security and exchange commission, is that a sign that the company as well as the stop is headed for challenging times?

Your client is 32 years old. She wants to begin saving for retirement, with the first payment to come one year from now. She can save $14,000 per year, and you advise her to invest it in the stock market, which you expect to provide an average return of 10% in the future.

1. If she follows your advice, how much money will she have at 65? Do not round intermediate calculations. Round your answer to the nearest cent.

   $  

2. How much will she have at 70? Do not round intermediate calculations. Round your answer to the nearest cent.

   $  

3. She expects to live for 20 years if she retires at 65 and for 15 years if she retires at 70. If her investments continue to earn the same rate, how much will she be able to withdraw at the end of each year after retirement at each retirement age? Do not round intermediate calculations. Round your answers to the nearest cent.

   Annual withdrawals if she retires at 65: $

   Annual withdrawals if she retires at 70: $

1. Complete an amortization schedule for a $24,000 loan to be repaid in equal installments at the end of each of the next 3 years. The interest rate is 9% compounded annually. If an amount is zero, enter "0". Do not round intermediate calculations. Round your answers to the nearest cent.

   	Beginning			Repayment	Remaining
   Year	Balance	Payment	Interest	of Principal	Balance
   1	$	$	$	$	$
   2
   3

2. What percentage of the payment represents interest and what percentage represents principal for each of the 3 years? Do not round intermediate calculations. Round your answers to two decimal places.

   	% Interest	% Principal
   Year 1:	%	%
   Year 2:	%	%
   Year 3:	%	%

   Why do these percentages change over time?

   1. These percentages change over time because even though the total payment is constant the amount of interest paid each year is declining as the remaining or outstanding balance declines.
   2. These percentages change over time because even though the total payment is constant the amount of interest paid each year is increasing as the remaining or outstanding balance declines.
   3. These percentages change over time because even though the total payment is constant the amount of interest paid each year is declining as the remaining or outstanding balance increases.
   4. These percentages change over time because even though the total payment is constant the amount of interest paid each year is increasing as the remaining or outstanding balance increases.
   5. These percentages do not change over time; interest and principal are each a constant percentage of the total payment.
   -Select-IIIIIIIVV

Your pickup truck is high mileage and needing replacement. You have purchased a brand new F250 XLT 4 door pickup truck. You were able to negotiate a total cost of $38,000 for this vehicle. For convenience, you decided to trade your vehicle in, and the dealership is offering $5,000 for your car as a trade in. You have decided to finance this vehicle for 7 years through Texas Tech Federal Credit Union for 4.9%.
After making payments on your vehicle for two years, what is the balance remaining on the loan?

In your opinion, can employers expect highly engaged employees who seek to improve the performance of the firm if they continue to use nonstandard work arrangements? Justify your answer.

Question 3

The chance of loss could be increased or decreased by different conditions which are called hazards. For each of the following, identify the type of hazard.

a) A motorist drives too fast.

b) A man fakes an accident to collect money from an insurer.

c) The new state regulation that require insurers not paying any claims in case of suicide.

Question 4

a) Explain how a society benefits from loss prevention.

b) Give at least three examples of loss-prevention programs supported by insurance companies.

 ​Pybus, Inc. is considering issuing bonds that will mature in 25 years with an annual coupon rate of 11 percent. Their par value will be ​$1000​, and the interest will be paid semiannually. Pybus is hoping to get a AA rating on its bonds​ and, if it​ does, the yield to maturity on similar AA bonds is 10.5 percent. ​ However, Pybus is not sure whether the new bonds will receive a AA rating. If they receive an A​ rating, the yield to maturity on similar A bonds is 11.5 percent. What will be the price of these bonds if they receive either an A or a AA​ rating?

• You are a financial manager at a soft-drink company. Until today the company bought empty cans from an outside supplier. You are considering whether to purchase a machine and begin manufacturing cans in-house to achieve cost savings.
• The cost of purchasing a can machine is $850,000 and the lifespan of the machine is 8 years. At the end of 8 years, the company expects to sell the machine for $120,000. Assume the machine is depreciated each year at $95,000 per year.
• The cost savings generated by the can machine will be $160,000 per year.
• Assume that the project requires an investment in Net Working Capital (NWC) of $20,000, and none of this is recovered at the end of the project.
• The machine would be purchased at year 0, the NWC investment occurs at year 0, and all subsequent cash flows occur in years 1-8.
• Assume the discount rate is 10% and the corporate tax rate is 21%.
• Determine the NPV of purchasing the can machine. Should you accept or reject the project?

Please construct an Excel spreadsheet to solve this problem.

Maria is the sole proprietor of an antique store that is located in a rented warehouse. The business has a $ 200,000 outstanding loan with the local bank but no other debt obligations. Last week, the loan, which has a monthly payment of $ 1,500, was not paid. There are no specific assets pledged as security for the loan. Due to a sudden and unexpected downturn in the economy, the store is just unable to generate sufficient funds to pay the over-due loan payment as well as the payments due over the next two months. Maria is considering selling all of the lighting fixtures in her building which will raise enough funds to make three loan payments. The bank has suggested to Maria that she sell off all her inventory. And it appears that the bank has withdrawn at least one loan payment from Maria’s personal bank account. 1) Can you suggest a strategy to help Maria with the sale of the lighting fixtures? 2) What is the impact of her selling off all her inventory? 3) Has the bank acted improperly by withdrawing the missed loan payment from Maria’s personal account given that this loan was made to her business ?

The 2017 financial statements for Growth Industries are presented below.

Sales and costs are projected to grow at 20% a year for at least the next 4 years. Both current assets and accounts payable are projected to rise in proportion to sales. The firm is currently operating at 75% capacity, so it plans to increase fixed assets in proportion to sales. Interest expense will equal 10% of long-term debt outstanding at the start of the year. The firm will maintain a dividend payout ratio of 0.60.

What is the required external financing over the next year

Perfect Lawns and Gardens is a small lawn equipment manufacturer. The company is analyzing a proposed project. It expects to sell 3,000 push lawn mowers, give or take 15 percent. The expected variable cost per unit is $95 and the expected fixed costs are $125,000 per year. Both cost estimates are considered accurate within a plus or minus 5 percent range. The sale price is estimated at $180 a unit, give or take 2 percent. The project requires $240,000 of fixed assets, which will be worthless when the project ends in four years. The assets will be depreciated according to the 5-year MACRS depreciation schedule. Also required is $65,000 of net working capital investment to start the project. The tax rate is 21 percent and the required rate of return is 12 percent. What is the net present value of the worst-case scenario? What is the IRR of the worst-case scenario?

I have solved the question two different ways and I keep getting thosee answers above and it says they are wrong please help me!

Max Wholesaler borrowed $5,000 on a 12%, 120-day note. After 45 days, Max paid $1,750 on the note. Thirty days later, Max paid an additional $1,500. Use ordinary interest.

a. Determine the total interest using the U.S. Rule. (Round your intermediate balances and interest amounts to the nearest cent. Round your final answer to the nearest cent.)

Total interest amount            $

b. Determine the ending balance due using the U.S. Rule. (Round your intermediate balances and interest amounts to the nearest cent. Round your final answer to the nearest cent.)

Ending balance due            $