Explain Peer-to-Peer lending:

How it changes the way loans are made compared to the lending approaches of traditional financial institutions (i.e. banks, financing companies, credit card etc.)

What are the differences and similarities of loans made from P2P and from other traditional institutions?

What improvement it brings to the delivery of financial service?

What changes in the city’s budgeting and accounting structure would overcome these limitations? What additional problems might these changes cause?

Government activities may be less “profitable” than they appear.

A city prepares its budget in traditional format, classifying expenditures by fund and object. In 2010, amid considerable controversy, the city authorized the sale of $20 million in bonds to finance construction of a new sports and special events arena. Critics charged that, contrary to the predictions of arena proponents, the arena could not be fiscally self‐sustaining. Five years later, the arena was completed and began to be used. After its first year of operations, its general managers submitted the following condensed statement of revenues and expenses (in millions):

At the city council meeting, when the report was submitted, the council member who had championed the center glowingly boasted that his prophecy was proving correct; the arena was “profitable.” Assume that the following information came to your attention:

• The arena is accounted for in a separate enterprise fund.

• The arena increased the number of overnight visitors to the city. City administrators and economists calculated that the additional visitors generated approximately $0.1 million in hotel occupancy tax revenues. These taxes are dedicated to promoting tourism in the city. In addition, they estimated that the ticket and concession sales, plus the economic activity generated by the arena, increased general sales tax revenues by $0.4 million.

• The city had to improve roads, highways, and utilities in the area surrounding the arena. These improvements, which cost $6 million, were financed with general obligation debt (not reported in the enterprise fund). Principal and interest on the debt, paid out of general funds, were $0.5 million. The cost of maintaining the facilities was approximately $0.1 million.

• On evenings when events were held in the arena, the city had to increase police protection in the arena’s neighborhood. Whereas the arena compensated the police department for police officers who served within the arena itself, those who patrolled outside were paid out of police department funds. The police department estimated its additional costs at $0.1 million.

• The city provided various administrative services (including legal, accounting, and personnel) to the arena at no charge at an estimated cost of $0.1 million.

• The city estimates the cost of additional sanitation, fire, and medical services due to events at the center to be approximately $0.2 million.

74) When the price of perfume changes from $24 to $26, the quantity supplied increases from 100 jars to 150 jars. What is the elasticity of supply of perfume?
A) 25.0
B) 5.0
C) 0.04
D) 0.2
76) An 18 percent increase in the price of a small car results in a 10 percent increase in the quantity supplied. The price elasticity of supply is equal to
A) 0.75.
B) 0.40.
C) 1.80.
D) 0.55.
77) Which of the following statements is CORRECT?
A) A change in the quantity demanded means a shift in the demand curve.
B) A change in demand means a shift in the demand curve while change in the quantity demanded means a movement along the demand curve.
C) A change in demand means a movement along the demand curve.
D) A change in demand and change in quantity demanded means the same thing.
78) When Janet Yellen, Chair of the Federal Reserve, addresses Congress regarding the United States role in the world economy, she is discussing
A) incentives.
B) a mic-roeconomic topic.
C) scarcity.
D) a macroeconomic topic

Burns Corporation's net income last year was $94,600. Changes in the company's balance sheet accounts for the year appear below:

The company did not dispose of any property, plant, and equipment, sell any long-term investments, issue any bonds payable, or repurchase any of its own common stock during the year. The company declared and paid a cash dividend of $4,300.

Required:

a. Prepare the operating activities section of the company's statement of cash flows for the year. (Use the indirect method.)

b. Prepare the investing activities section of the company's statement of cash flows for the year.

c. Prepare the financing activities section of the company's statement of cash flows for the year.

Question 4 – Accounting Changes

Complete the following chart – use check marks

Fixed rate bonds with longer maturities are more sensitive to changes in interest rates than bonds with shorter maturities.

1. How are bonds valued?
2. Explain why longer maturities should be more sensitive to changes in interest rates. Be sure to include in your answer a discussion of Duration.
3. If you strongly believe that interest rates are bound to fall, what trading strategy should you implement? Explain why this strategy you are proposing would be superior by comparing it to another strategy that you would consider inferior. On the Philippine Peso Government Securities Yield Curve, which tenor would you (probably) choose (ignoring other possible issues such as availability of bonds)? Be sure to include in your answer, where you found the Yield Curve.

Standard resume structure and components have transformed over the years. How are those changes important to your field(Accounting) and are there specific items that are necessary for your field (accounting) on your resume? How can some people with the same credentials be more effective marketing themselves in their resume and cover letters than others?

Changes in Shareholders' Equity

On January 1, 2016, the Osgood Film Studios reported the following alphabetical list of shareholders' equity items:

During 2016, the company sold 3,100 shares of common stock for $13 per share and 430 shares of preferred stock for $137 per share. It also earned income of $82,000 and paid dividends of $7 per share on the preferred stock and $2.50 per share on the common stock outstanding at the end of 2016.

Required:

Prepare Osgood's statement of shareholders' equity (include retained earnings) for 2016.

1.) Describe factors that may lead to changes in energy expenditure from a weight loss intervention.

2.) Explain how the body regulates food intake. Consider organs involved, signals sent, etc.

1. What have been the biggest changes that you have noticed in how you learn as a

2. Would you be willing to take a blended delivery (partially in person and partially online)

3. Your employer has approached you to assume a managerial role. Although flattered, you are
also concerned about your ability to carry out the role successfully. What type of training or
development might you want to help you succeed? What would be the “core skills” and “soft
skills”?

4. What are some creative, and low cost/no cost, ways that an organization could make a new
employee feel welcome?

5. What are the four issues in evaluating training programs? Describe why each is important.

6. What are the benefits of a well-designed orientation process?

7. Why is there an increased emphasis on career development programs?

just skip question no. 1