For this part you will need to use your calculator.

1. What is the Monthly Mortgage Payment on a $125,000 Home with an 80% LTV with a 5% Interest Rate, 30-Year Fixed Rate Mortgage (Constant Payment Mortgage)?

$536.82

2. What is the Monthly Mortgage Payment on a $125,000 Home with an 80% LTV with a 6% Interest Rate, 30-Year Fixed Rate Mortgage (Constant Payment Mortgage)?

$599.55

3. How much more with the person with the mortgage in question #8 pay over the person with the mortgage in question #7 if neither of the borrowers refinance over the course of the 30-Year term?

$215,838.19 - $193,255.78 = $22,582.41

4. How much less can the borrower with a 6% mortgage borrow to keep the same monthly mortgage payment as the borrower with a 5% if both borrowers have a 30-Year Fixed Rate Mortgage without refinancing over the mortgage term?

I need help with the last question please.

LP1.1 Assignment: Research Topic Options

During this course, you will be working on a research paper to be submitted at the end of LP6 (Week 11). Your paper will focus on a healthcare management topic that is a source of ethics debates. It should:
1) address the ethical theories or principles that most influence current conversations about this topic.
2) discuss how these ethical theories or principles translate into healthcare policy decisions.

These ethical principles must come from the course readings this is evidence that you understand and have considered materials presented in this course.

Your paper must be 5 APA-style pages (Times New Roman, 12-point font, and with 1" margins). In addition to these 5 pages, it must also include a "References" page formatted in APA style that includes at least 6 credible sources. You can use the Web, books, journal articles, newspapers, or magazines. Keep in mind that you want good sources for your research ones that are current and credible.

For information on what a credible source is, please view the NAU Online Library’s tutorial on finding credible sources.

During this Learning Plan, you should begin thinking about a research topic to submit to your professor for approval. You can choose any topic related to healthcare ethics.

Choosing a Topic
You can choose a topic inspired by discussions, short papers, and non-graded activities. Here are a few examples of possible topics:

Should healthcare be universally available in the US? For example, should everyone receive the same quality of health care regardless of their ability to pay?

How should we make decisions about which patients receive high-cost, scarce medical resources such as organ transplant?

cultural diversity and differences in the medical environment

profitability vs. patient care

You may choose to do a paper on another topic, too, as long as it involves policy and ethics in the medical environment.

In choosing your topic, you should consider not only how interesting it is to you, but also how easy it will be to find information about it. You will need to find credible references and refer to them in your paper.

For more tips and guidance on choosing a research topic, visit this ProQuest Research Companion learning module, available to you for free through the NAU Online Library. You may also wish to use Credo Reference's mind map search for brainstorming.

LP1.1 Assignment: Research Topic Options

During this Learning Plan, you should begin thinking about a research topic to submit to your professor for approval. You can choose any topic related to healthcare ethics.

Choosing a Topic
You can choose a topic inspired by discussions, short papers, and non-graded activities. Here are a few examples of possible topics:

Should healthcare be universally available in the US? For example, should everyone receive the same quality of health care regardless of their ability to pay?

How should we make decisions about which patients receive high-cost, scarce medical resources such as organ transplant?

cultural diversity and differences in the medical environment

profitability vs. patient care

You may choose to do a paper on another topic, too, as long as it involves policy and ethics in the medical environment.

In choosing your topic, you should consider not only how interesting it is to you, but also how easy it will be to find information about it. You will need to find credible references and refer to them in your paper.

For more tips and guidance on choosing a research topic, visit this ProQuest Research Companion learning module, available to you for free through the NAU Online Library. You may also wish to use Credo Reference's mind map search for brainstorming.

What to Submit for this Assignment
For this assignment, submit a list of 3 topics you are considering for your paper. For each topic:
1) state what is interesting to you about this topic, and
2) speculate about which ethical theories or questions are raised by this topic.

Assume that a simple random sample has been selected from a normally distributed population and test the given claim. Identify the null and alternative​ hypotheses, test​ statistic, P-value, and state the final conclusion that addresses the original claim. A safety administration conducted crash tests of child booster seats for cars. Listed below are results from those​ tests, with the measurements given in hic​ (standard head injury condition​ units). The safety requirement is that the hic measurement should be less than 1000 hic. Use a 0.01 significance level to test the claim that the sample is from a population with a mean less than 1000 hic. Do the results suggest that all of the child booster seats meet the specified​ requirement? 810     630     1203     607     578     612

What are the hypotheses

Identify the test statistic

Identify the P-value.

The critical value(s) is(are)

State the final conclusion that addressses the original claim

What do the results suggest about the child booster seats eeting the specific requirement?

Assume that a simple random sample has been selected from a normally distributed population and test the given claim. Identify the null and alternative​ hypotheses, test​ statistic, P-value, critical​ value(s), and state the final conclusion that addresses the original claim. A safety administration conducted crash tests of child booster seats for cars. Listed below are results from those​ tests, with the measurements given in hic​ (standard head injury condition​ units). The safety requirement is that the hic measurement should be less than 1000 hic. Use a 0.01 significance level to test the claim that the sample is from a population with a mean less than 1000 hic. Do the results suggest that all of the child booster seats meet the specified​ requirement? 690     739     1248     635     589     515

What are the​ hypotheses?

Identify the test statistic.

Identify the critical​ value(s).

State the final conclusion that addresses the original claim.

What do the results suggest about the child booster seats meeting the specified​ requirement?

Question 1610 pts

In 14 trials, what is the probability of 5 successes, 1 failure, 3 successes, 1 failure, and 4 successes, in that exact order?

Group of answer choices

0.00312

0.00357

0.00401

0.00288

0.00165

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_______________________________________________________________________________________

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In Roulette there are 38 slots: 18 red, 18 black, and 2 green. Suppose you play and bet on red 1000 times.

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Question 1710 pts

How many times would you expect to win in 1000 plays?

Group of answer choices

500

485

474

499

526

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Question 1810 pts

How far will your actual number of wins be from your expected number of wins?

Group of answer choices

5.28

15.79

10.41

16.33

13.27

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Question 1910 pts

What is the probability of winning fewer than 447 times?

Group of answer choices

0.0436

0.9772

0.0228

0.8869

0.9429

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Question 2010 pts

What is the probability of winning between 447 and 468 times?

Group of answer choices

0.3402

0.2543

0.2325

0.3084

0.2751

ROULETTE is a casino game where a numbered wheel spins and a steel ball falls into a location marked by one particular colored number. In the United States there are 18 locations colored red, 18 locations colored black and 2 locations colored green. The red and black locations are numbered 1-36 and the green locations are labeled "0" and "00" as shown in the picture to the right. The wheel therefore has 38 locations in total. Note that the odd and even values are not evenly distributed within each color. For any particular wager a player makes, an expected profit can be calculated from: Expected profit = (Prob. of winning) x (winning payout amount) - wager

(b) To “let it ride” is to make a bet and if it wins to make the same bet with the entire payout amount. For example, if you bet $1 on black and win the casino gives you $2, you then "let it ride" by betting that $2 on black and if you win again the casino would give you $4. If the ball were to land on red or green on either spin of the wheel you would lose your wager and the final payout would be $0. What is the expected profit for betting $15 on black and if you win, "letting it ride" once? I.E., betting on black and if you win betting your winnings on black again? (keep in mind that if you lose the first bet you are done; round to closest penny)

How do you feel about potential employers searching your social media profile? What about current employers? Do you feel that employers have a right to consider this information in hiring and firing decisions?

If you knew an employer engaged in this practice would still want to work for thier company? Why or why not?

The future earnings, dividends, and common stock price of Callahan Technologies Inc. are expected to grow 6% per year. Callahan's common stock currently sells for $28.75 per share; its last dividend was $1.50; and it will pay a $1.59 dividend at the end of the current year.

1. Using the DCF approach, what is its cost of common equity? Do not round intermediate calculations. Round your answer to two decimal places.

   %

2. If the firm's beta is 2.1, the risk-free rate is 3%, and the average return on the market is 13%, what will be the firm's cost of common equity using the CAPM approach? Round your answer to two decimal places.

   %

3. If the firm's bonds earn a return of 11%, based on the bond-yield-plus-risk-premium approach, what will be r_s? Use the midpoint of the risk premium range discussed in Section 10-5 in your calculations. Round your answer to two decimal places.

   %

4. If you have equal confidence in the inputs used for the three approaches, what is your estimate of Callahan's cost of common equity? Do not round intermediate calculations. Round your answer to two decimal places.

   %

The future earnings, dividends, and common stock price of Callahan Technologies Inc. are expected to grow 6% per year. Callahan's common stock currently sells for $29.50 per share; its last dividend was $2.50; and it will pay a $2.65 dividend at the end of the current year.

1. Using the DCF approach, what is its cost of common equity? Do not round intermediate calculations. Round your answer to two decimal places.
     %
2. 
   
3. If the firm's beta is 0.7, the risk-free rate is 3%, and the average return on the market is 12%, what will be the firm's cost of common equity using the CAPM approach? Round your answer to two decimal places.
     %
4. 
   
5. If the firm's bonds earn a return of 11%, based on the bond-yield-plus-risk-premium approach, what will be r_s? Use the midpoint of the risk premium range discussed in Section 10-5 in your calculations. Round your answer to two decimal places.
     %
6. 
   
7. If you have equal confidence in the inputs used for the three approaches, what is your estimate of Callahan's cost of common equity? Do not round intermediate calculations. Round your answer to two decimal places.
     %

The future earnings, dividends, and common stock price of Callahan Technologies Inc. are expected to grow 7% per year. Callahan's common stock currently sells for $20.50 per share; its last dividend was $2.00, and it will pay a $2.14 dividend at the end of the current year.

1. Using the DCF approach, what is its cost of common equity? Do not round intermediate calculations. Round your answer to two decimal places.

     %

2. If the firm's beta is 1.5, the risk-free rate is 3%, and the average return on the market is 14%, what will be the firm's cost of common equity using the CAPM approach? Round your answer to two decimal places.

     %

3. If the firm's bonds earn a return of 13%, based on the bond-yield-plus-risk-premium approach, what will be r_s? Use the midpoint of the risk premium range discussed in Section 10-5 in your calculations. Round your answer to two decimal places.

     %

4. If you have equal confidence in the inputs used for the three approaches, what is your estimate of Callahan's cost of common equity? Do not round intermediate calculations. Round your answer to two decimal places.

     %