Sarah would like to purchase a condo in Vancouver. She currently rents an apartment for $4,500 per month. The condo she is looking at costs $1,600,000. She intends to put $300,000 down. The condo has monthly condo fees of $300/month, property taxes of $200/month and repairs of $100/month. She can obtain a 30-year mortgage for 3% per year compounded monthly.

There are the following closing costs at purchase:

Land transfer tax $20,000

Legal fees $1,500

There are the following closing costs when selling:

Real estate commission of 3% of selling price

Legal fees $2,000

1. What is the required monthly mortgage payment on the new property? (You need to convert the annual interest rate to a monthly rate.)

2. What is the initial cash outflow of the purchase decision?

3. What is the present value of all the cash outflows for the purchase from month 0 to month 120 (the first 10 years)?

4. (a) What is the principal outstanding for the loan after 10 years? (Calculate the value at year 10 of the remaining 20 years of mortgage payments)

(b) Go to an online mortgage site and use it to calculate the same answer. Print off and scan or take a screen shot and imbed in the Word document.

5. Compute the cost (NPV) under buying and renting over the next 10 years assuming the unit is sold in 10 years for $1,800,000 and rent stays constant. Is it better to rent or buy? Upon sale, you will need to pay off the outstanding loan balance (see #4).

I need to figure this out in rstudio how to calculate this for Binomial and Poisson Distributions

Type 2 diabetes is becoming increasingly prevalent among the American adult population. Currently, 9.4% of American adults have diabetes (Centers for Disease Control and Prevention News Release, July 18, 2017). Suppose that 1000 American adults are randomly chosen and tested for Type 2 diabetes.

Use R to find the following probabilities, assuming that the rate of type 2 diabetes is 9.4%. Your R script should contain the commands you used to compute the probability.

Place your answers in the appropriate places in the Word document. Provide at least 4 decimal places for all probabilities.

1. Probability that exactly 94 of the adult Americans will have type 2 diabetes

2. Probability that more than 80 will have diabetes.

3. Probability that not more than 65 will have diabetes

4. Probability that fewer than 100 will have diabetes

5. Probability that at least 75 will have diabetes

6. Probability that Fewer than 20 will have diabetes.

7. Probability that between 50 and 90 (inclusive) will have diabetes.

8. Suppose that of the 1000 tested only 32 were found to have type 2 diabetes. What conclusions might you make concerning the assumption that the rate of type 2 diabetes is 9.4%? As part of your answer find the appropriate probability. Calculate it and enter it on your worksheet in addition to providing your written conclusions.

1. Calculate the mean for the probability distribution. Recall: mean = µ= np

Really Cheap Used Computers, Inc. is an online seller of old school computers. The organization’s e-commerce Web

site runs on a Linux server. The server is located at the organization’s local office in Boston, Massachusetts. The

company has experienced tremendous growth and has hired you as the new security analyst. You access the server

and find that there are no layers of security other than the passwords set for user accounts.

Discuss at least three layers of access control that can be put in place on this server to create a more secure

environment. Rationalize whether the given scenario represents discretionary access control (DAC) or mandatoryaccess control (MAC).

Participate in this discussion by engaging in a meaningful debate regarding your choices of the three layers of

access control in Linux. You must defend your choices with a valid rationale. Summarize your thoughts in a Word

document and submit it to your instructor

Should be 1-2 pages

Self-Assessment Checklist



I identified at least three layers of access controls that can be used to create a secure Linux server

environment.



I determined whether the given scenario represented DAC or MAC.



I engaged in a discussion of the assigned topic with at least two of my peers.



I supported my arguments with data and factual information.



I compared and contrasted my position with the perspectives offered by peers.



I raised questions and solicited peer and instructor input on the topics discussed.



I articulated my position clearly and logically.



I followed the submission requireme

Alexander Perez and Alexandra Williams are senior vice presidents of Columbia Group Health Cooperative (CGHC) and co-directors of the organization's pension fund management division. The unions that represent the CGHC staff have requested an investment seminar so that they better understand the decisions being made on behalf of their members. Alexander and Alexandra, who will make the actual presentation, have asked you to help them.  To illustrate the common stock valuation process, Alexander and Alexandra have asked you to analyze the Temp Force Company, an employment agency that supplies word processor operators and computer programmers to businesses with temporarily heavy workloads. You are to answer the following questions.                                                                                                                                       

a. Assume that Temp Force has a beta coefficient of 1.4, that the risk-free rate (the yield on T-bonds) is 6 percent, and that the market risk premium is 5 percent. What is the required rate of return on the firm’s stock?                

b.  Assume that Temp Force is a constant growth company whose last dividend (D0, which was paid yesterday) was $1.80, and whose dividend is expected to grow indefinitely at a 9 percent rate.  What is the firm’s expected dividend stream over the next three years?                              

c. What is the firm’s expected current stock price?                                

d. What is the stock's expected value one year from now?

e. What are the expected dividend yield, capital gains yield, and total return during the first year?

f. What would the expected current stock price be if its dividends were expected to have zero growth?       

Assume you have just been hired as a business manager of PizzaPalace, a regional pizza restaurant chain. The company’s EBIT was $50 million last year and is not expected to grow. The firm is currently financed with all equity, and it has 10 million shares outstanding. When you took your corporate finance course, your instructor stated that most firms’ owners would be financially better off if the firms used some debt. When you suggested this to your new boss, he encouraged you to pursue the idea. As a first step, assume that you obtained from the firm’s investment banker the following estimated costs of debt for the firm at different capital structures: Percent Financed with Debt, 0% — 20 8.0% 30 8.5 40 10.0 50 12.0

If the company were to recapitalize, then debt would be issued and the funds received would be used to repurchase stock. PizzaPalace is in the 40% state-plus-federal corporate tax bracket, its beta is 1.0, the risk-free rate is 6%, and the market risk premium is 6%.

a. Using the free cash flow valuation model, show the only avenues by which capital structure can affect value.

b. What is business risk? What factors influence a firm’s business risk? What is operating leverage, and how does it affect a firm’s business risk? Show the operating break-even point if a company has fixed costs of $200, a sales price of $15, and variable costs of $10.

Please provide a minimum 250 word explanation.

Scenario: You are a loan officer for White Sands Bank of Sandia. Paula Jason, president of P. Jason Corporation, has just left your office. She is interested in an 8-year loan to expand the company's operations. The borrowed funds would be used to purchase new equipment. As evidence of the company's debt-worthiness, Paula provided you with "facts". 2019-10-20_1407.png Paula is a very insistent, some would even say pushy. When you told her you would need additional information before making your decision, she acted offended and said, "What more could you possibly want to know?"

Develop a minimum 700-word explanation, trying to get Paula as a bank client in the long run, of the financial statements and include the following: Explain why you would want the financial statements to be audited. Discuss the implications of the ratios provided for the lending decision you are to make. That is, does the information paint a favorable picture? Are these ratios relevant [Note: not all of them are] to the decision? State why or why not. Evaluate trends in the performance of P. Jason Corporation. Identify each performance measure as favorable or unfavorable and explain the significance of each. List three other ratios you would want to calculate for P. Jason Corporation, and in your own words explain in detail why you would use each. Based on your analysis of P. Jason Corporation, will you recommend approval for the requested loan? Provide specific details to support your decision.

There are many familiar processes that we carry out automatically every day without thinking about what would happen if those repeated processes stop working. There are many examples: Your car does not start, your TV remote does not turn on your TV, your water faucet starts leaking, etc. In order to automate such processes to be carried out by a computing machine, you have to be very careful in how to instruct the machine to carry out the task at hand.

This assignment deals with a process of turning on your TV via a remote, in your home, your room, or apartment. Although this process appears to be quite trivial, it can be very complex. The flowchart you will develop will accommodate all sorts of people (i.e., users). Normally, a flowchart or an algorithm solves a general problem. For example, finding a largest number in a set or several sets. You do not know how many numbers you have and what they are. The more you know about a process or a problem, the better you can develop flowcharts, algorithms, and programs.

On this assignment, we assume everyone has a TV. You will develop a flowchart of a suser who wants to watch a TV for a desired program. You will be using Microsoft Visio 2013 or higher flowcharting program (available on all the lab PCs and free to download as shown elsewhere. In developing your flowchart, you will be making some assumptions. Using a Word document, state all those assumptions clearly and succinctly. This is how your flowchart will make sense. You can go back and revise your assumptions.

Flemington Bikes sells racing bikes on credit. It uses the ageing of accounts receivable method for estimating bad debts. On 30 June 2020, the Allowance for Doubtful Debts account had a balance of $8,800 CR before any adjustments. An ageing analysis of the account receivable balance as at 30 June 2020 is provided below. The uncollectable percentages for each age group are based on past experience and are shown next to the respective aged balances. Flemington Bikes is registered for goods and services tax (GST).

REQUIRED:

1. Using the ageing of accounts receivable method, calculate the estimated bad debts expense from the above information. Show all workings. (Hint: The company is registered for GST).

2. Prepare the general journal entry to record bad debts expense.

(Narrations are not required).   

3. Assume that Flemington Bikes uses the direct write-off method to account for bad debts. Prepare the general journal entry to write-off an account receivable from Bill Murray for $2,750 (GST inclusive) on 31 August 2020.

4. Explain how the direct write-off method differs from the allowance method when recording bad debts expense and why the direct write-off method violates the matching principle. (word limit 150).

QUESTION TWO

Flemington Bikes sells racing bikes on credit. It uses the ageing of accounts receivable method for estimating bad debts. On 30 June 2020, the Allowance for Doubtful Debts account had a balance of $8,800 CR before any adjustments. An ageing analysis of the account receivable balance as at 30 June 2020 is provided below. The uncollectable percentages for each age group are based on past experience and are shown next to the respective aged balances. Flemington Bikes is registered for goods and services tax (GST).

REQUIRED:

1. Using the ageing of accounts receivable method, calculate the estimated bad debts expense from the above information. Show all workings. (Hint: The company is registered for GST).

2. Prepare the general journal entry to record bad debts expense.

(Narrations are not required).   

3. Assume that Flemington Bikes uses the direct write-off method to account for bad debts. Prepare the general journal entry to write-off an account receivable from Bill Murray for $2,750 (GST inclusive) on 31 August 2020.

4. Explain how the direct write-off method differs from the allowance method when recording bad debts expense and why the direct write-off method violates the matching principle. (word limit 150).