Discussion: Answer each section below in separate paragraphs.

1. Describe opportunity cost, and then explain whether or not it’s an out-of-pocket cost.
   
   
2. If you were offered a job that required you to completely stop attending college (onsite or online), explain how would you apply the concept of opportunity cost to help you decide whether or not to take the job or continue your college education? In your explanation, be sure to include all of the factors you can think of that would go into your decision.
   
   
3. 1.  Set forth the law of diminishing marginal utility.

C. 2. Are there any exceptions to this law? Explain why or why not.

1. You are considering the purchase of a home that would require a mortgage of $250,000 (i.e. you are borrowing $250,000 from a bank to buy the house. You intend to pay the bank back through equal monthly instalments). Suppose you are interested in the arithmetic sum of all the instalments you pay. How much more in total will you pay if you select a 30-year mortgage with an APR of 5.65% rather than a 15-year mortgage at an APR 4.9%? (Round the monthly payment amount to 2 decimal places.)

Explain your work

2. A salesperson gives you the following payment plans, "Buy this new car for $30,000 cash OR, with an appropriate down payment, pay $800 per month for 36 months at 5% interest.". If these two offers are financially equivalent at the stated interest rate, calculate the "appropriate" down payment. (Remember, when interest rates are quoted as they are in this question, they are APRs. Also, Financially equivalent means that the two streams of cashflows have the same PV)

Explain your work.

3. You're ready to make the last of four equal, annual payments on a $1,000 loan with a 7.77% interest rate. How much of this last payment is towards paying off accrued interest and how much towards paying off the remaining principal? (Read Amortized Loans section in Chapter 5 in your textbook)

Explain your work

4. An investment offers to pay $ 100 a year forever starting at the end of year 6. If the interest rate is 8%, then what is the investment’s value today? (Take note: first payment happens at the end of 6^th year, not the end of 1^st year.)

Explain your work

5. If the EAR is known to be 16.08% on a debt that has quarterly payments, what is the APR? (While you can use the formula from the textbook, try solving it on the financial calculator using ICONV)

Explain your work

Pick a pure risk (except fire). Discuss how close to an ideally insurable risk is your choice. Make sure you mention each of the requirements for an ideally insurable risk.  

2. Discuss how adverse selection could impact the insurability of that risk.

3. Add a section on how insuring that risk is not gambling.

4. Conclude your paper.

You will be graded on your use of the vocabulary in this course and your content. So, use words found in your text in the paper for the strongest grade. Place the paper in this Dropbox

A DC shunt motor is designed without compensating windings. If there is no compensating winding then the effect of armature reaction will exist. What effect does armature reaction have on the torque-speed characteristic of a shunt DC motor? Explain mathematically in detail. What can be done to remove this problem completely?

Directions: Conduct research on the effectiveness of company celebrations. Research a specific company or use your current employer and answer the following questions in a 2 page response:

• What are 3 specific findings from your research about the effectiveness of company celebrations? Be sure to cite your sources.
• From your research, how effective are recognition or celebration experiences for an organization?
• What does the company or your current employer do to recognize extraordinary accomplishments? Provide a specific example of how this accomplishment led to a particular “movement” or “change” in thoughts and actions at the company. Explain. 
• How does your research on the effectiveness of company celebrations compare to what you have personally experienced? Give at least 2 specific examples.

1)The methods used by business can impact the productivity of the factors of production. Explain why this should be a concern for anybody who earns an income.

2)What are the differences between the equity financing of business and debt financing?

3)Review industrial employment trends in your home state. What are the growing industries in your area? What areas are shrinking?

A movie director wishes to determine whether there is a difference in the type of movies selected by males and
females for Wisconsin International University College Students. A random sample provides the data given
here.

(a) State your alternative hypothesis.
(b) State your null hypothesis.
(c) Compute the appropriate value for the test statistics
(d) A p-value of 0.335 was found. What can you conclude about
the relationship between type of movies and gender?

A movie director wishes to determine whether there is a difference in the type of movies selected by males and females for Wisconsin International University College Students. A random sample provides the data given here.
Type of Movie
Gender Fiction Romance Thriller total
Male 24 20 19 63
Female 13 14 20 47

(a) State your alternative hypothesis.
(b) State your null hypothesis.
(c) Compute the appropriate value for the test statistics   
(d) A p-value of 0.335 was found. What can you conclude about
the relationship between type of movies and gender?

Determine if there is sufficient evidence to conclude the average amount of deaths is equal to 6000 in the United States and territories at the 0.10 level of significance.

1. Clearly state a null and alternative hypothesis
2. Give the value of the test statistic n=52
3. Report the P-Value
4. Clearly state your conclusion (Reject the Null or Fail to Reject the Null)
5. Explain what your conclusion means in context of the data.

Determine if there is sufficient evidence to conclude the average amount of deaths is equal to 6000 in the United States and territories at the 0.10 level of significance. N=52

1. Clearly state a null and alternative hypothesis
2. Give the value of the test statistic
3. Report the P-Value
4. Clearly state your conclusion (Reject the Null or Fail to Reject the Null)
5. Explain what your conclusion means in context of the data.