Questions
You have a vertical metal rod, a spring with one end closed and the other end...

You have a vertical metal rod, a spring with one end closed and the other end open so that it can slide down over the rod and then fly up when released, and a meter stick. The mass of the spring is 15g and its spring constant k is 6 N/m Your group decides to test the work-energy principle by stretching the spring a distance Dy = 30 cm, releasing it from rest and measuring how high it goes. Use your understanding of energy to predict how high the spring will go. Discuss what assumptions are being made in making your prediction. PLEASE INCLUDE FORCE DIAGRAM AND COORDINATE SYSTEM.

In: Physics

Discussion 1. In a new report, Celent Model Insurer 2013: Case Studies of Effective Technology Use...

Discussion
1. In a new report, Celent Model Insurer 2013: Case Studies of Effective Technology Use in Insurance, Celent recognizes 17 insurance technology initiatives as “Model Insurer Components.” These best practices in the use of technology span key areas of the product and policyholder lifecycle, including product development, distribution, underwriting, policy administration, IT management, claims, and infrastructure. The report also reviews IT best practices and measurable business results used in evaluating the Model Insurer Components.
“Insurers continue to stress innovation in their initiatives. However, IT projects that reduce long-term costs, improve back office operations, and provide better customer service are also prevalent in this year’s award winning projects,” “Insurers continue to concentrate on improving operations but are also stepping up their use of emerging technologies.”
Discuss the importance of information technology to an insurer and evaluate the IT trends for insurers based on the materials given.
2. Trov, the provider of on-demand insurance for individual items, has raised $45 million for its global expansion efforts. The company is one of a growing number of tech-enabled startups that are looking to change the insurance business and carve out a piece of that multi-trillion-dollar industry. At Danville, Calif.-based Trov, that means providing insurance policies for individual items on mobile phones.
Insurers have found themselves in a bind in recent years, with home ownership declining and the number of households that don’t own cars rising (albeit slightly). Those two trends could accelerate as younger consumers look to rent more and own less. Trov plays into these trends by offering insurance policies on things that millennials do own… namely electronics. Typically a Trov policy covers items of around $1,000, which makes the company’s policies a numbers game rather than a play for big ticket policies. Digging into the policies a little deeper, about 35% of the policy holders who take out a Trov policy do turn off their coverage after a time. Most leave them on — again, the period the company is tracking isn’t all that long so these numbers could change significantly.
Use the five forces model to evaluate Trov’s growth strategy.

In: Finance

"Al Majmoua Capital is a non-bank financing business that uses exclusive technology to provide financial services...

"Al Majmoua Capital is a non-bank financing business that uses exclusive technology to provide financial services to microbusinesses within the agricultural value chain. It provides microcredits to smaller farmers and suppliers who are otherwise constrained in their ability to borrow sufficient funds from traditional funding sources (e.g. commercial banks). By enabling processors to pay farmers’ invoices early and at better rates using a digital platform (M-Trader), Al Majmoua Capital is an example of an inclusive business that promotes financial inclusion for small dairy farmers.
Crucial to the success of Al Majmoua is the role digital technology plays as the infrastructure for managing the entire value chain activities of the firm. The business uses M-Trader, a mobile app that enables suppliers to receive payments through their phones. The digital platform has a three-party operating system to capture value (extending loans and receiving payments) and is linked to a digital processor that facilitates monitoring and tracking of activities along the entire value chain. It permits a three-way interaction between farmers, processors and Capital, all of which take place on the same mobile app. The mobile app enables Al Majmoua Capital to extend loans directly to dairy farmers and to collect repayments from the milk processors. Instant text messages are generated to inform farmers when loans are disbursed and when repayments are collected. Processors, in turn, collect payments from farmers through a reduction in the amount they pay farmers each time they supply dairy products. All the data are captured in the digital processor (M-Trader) allowing Al Majmoua to track demand and supply, timing of repayments and instances of defaults. This means that Al Majmoua does not have to worry about farmers defaulting on their loan repayments."

Read the above case-study and answer the following questions
​1. What role did digital technology play in the creation of Al Majmoua Capital distinctive business model?
​2. From your knowledge of technology context, what technological challenges do you see facing Al Majmoua Capital’s business model?

(word count is 200 words and this is for an exploring innovation and entrepreneurship course for business major)

In: Economics

Let X be a non-degenerate ordered set with the order topology. A non-degenerate set is a...

Let X be a non-degenerate ordered set with the order topology. A non-degenerate set is a set with more than one
element.

Show the following:

(1) every open interval is open, (2) every closed interval is closed, (3) every open
ray is open, and (4) every closed ray is closed.

Please note: Its a topology question.

In: Advanced Math

Please write down your response after reading the paragraph. (At least 5 sentences long. 150-200 words)...

Please write down your response after reading the paragraph. (At least 5 sentences long. 150-200 words)

First of all, I would say the technology might not make 100% safety. Also, people should not be controlled by technology, and people should control technology because I think that only people, human, think molal. I want to respect moral for life. If I was in this situation weather driverless car kills me or five pedestrians, I would chose to kill myself and save other five people instead of my live. I know it is easy to say like that. Like he said in this video" It's still going to involve trade-offs, and trade-offs often require ethics.", this problem is very complicated and connected with ethics. People can think ethically in usual but in an emergency situation, they stop think ethically and tend to save themselves first, so people say easily "in this situation, should save five people" but they do not want to buy the driverless car to kill themselves. Therefore, I think that people should more consider about the moral and ethics.

Already, in Japan, it starts to test of dreverless bus in public road. However, even if the driverless bus, always one driver is sitting in front of the handle because if when the bus is not working normally, the driver can drive the bus. I think driverlass car is very convenient and develop our society but the driver has responsibility to drive the car. People can act for responsibility but the technology cannot understand responsibility. Therefore, I think that in the future, even if the technology can make 100% safety, people should keep driving by themselves.

In: Psychology

Facts: There is a home you want to purchase with a selling price of $220,000. You...

Facts:

There is a home you want to purchase with a selling price of $220,000. You have saved $42,000 for a down payment. The bank charges 2 points on the balance of the note (before taking fees into account) in exchange for a 3% rate. The bank also charges financing fees of $800. You request that the fees and points be added to the balance of the mortgage, which the bank agrees to.

Required:

Based on the preceding facts, prepare an amortization table for the mortgage assuming a 30 year note, and another amortization table assuming a 15 year note. Assume you take the loan out on July 1, 2020, and the first payment is due July 31, 2020. For each note, calculate the effective interest rate assuming the note is held to maturity.

In: Accounting

RGDP per Person Growth Rate The following table summarizes Bureau of Economic Analysis data on NGDP...

RGDP per Person Growth Rate The following table summarizes Bureau of Economic Analysis data on NGDP and RGDP from 2010 – 2016. Data are in billions of dollars. Year NGDP RGDP 2010 14,964.40 14,783.80 2011 15,517.90 15,020.60 2012 16,155.30 15,354.60 2013 16,663.20 15,583.30 2014 17,348.10 15,961.70 2015 17,942.90 16,345.00 The following table summarizes U.S. Census Bureau data on population estimates from 2010 – 2016. 2010 2011 2012 2013 2014 2015 2016 309,348,193 311,663,358 313,998,379 316,204,908 318,563,456 320,896,618 323,127,513 What was the RGDP per person in 2010 and 2011? Round up your answer to a full number (no decimals). On the "short scale," one billion is 1,000 million, or 1 and 9 zeroes (1,000,000,000).

RGDP per person in 2010 was $ ________.

RGDP per person in 2011 was $ ________.

Using the exact formula calculate the annual growth rate of RGDP per person in 2011. Round up your answer to the second decimal. The annual growth rate of RGDP per person in 2011 was ________ percent.

In: Economics

(CO G) In your audit of Garza Company, you find that a physical inventory on December...

(CO G) In your audit of Garza Company, you find that a physical inventory on December 31, 2010, showed merchandise with a cost $541,000 was on hand at that date. You also discover the following items were all excluded from the inventory count.

  • Merchandise of $71,000, which is held by Garza on consignment. The consignee is the Bontemps Company.
  • Merchandise costing $33,000, which was shipped by Garza f.o.b. shipping point to a customer on December 31, 2010. The customer was expected to receive the merchandise on January 6, 2011.
  • Merchandise costing $46,000, which was shipped by Garza f.o.b. destination to a customer on December 29, 2010. The customer was scheduled to receive the merchandise on January 2, 2011.
  • Merchandise costing $73,000 shipped by a vendor f.o.b. shipping point on December 30, 2010, and received by Garza on January 4, 2011.
  • Merchandise costing $51,000 shipped by a vendor f.o.b. destination on December 31, 2010, and received by Garza on January 5, 2011.

Based on the above information, calculate the amount that should appear on Garza’s balance sheet at December 31, 2010, for inventory.

In: Accounting

1. Webber Technologies is an emerging manufacturer of 3.5 inch diagonal touch screens for mobile communication...

1. Webber Technologies is an emerging manufacturer of 3.5 inch diagonal touch screens for mobile communication devices/media players. 2011 industry sales were reported at 17.21 million units. This number represents an 19.2 % increase over 2010 industry sales. Webber Technologies had a 2010 market share of 5.8 %, compared with a 2011 market share of 4.2%. What was the change in unit sales for Webber Technologies, from 2010 to 2011, attributable to the change in industry sales? Report your answer in individual units

2. Webber Technologies is an emerging manufacturer of 3.5 inch diagonal touch screens for mobile communication devices/media players. 2011 industry sales were reported at 17.63 million units. This number represents an 18.5% increase over 2010 industry sales. Webber Technologies had a 2010 market share of 5.8 %, compared with a 2011 market share of 4.1 %. What was change in unit sales for Webber Technologies, from 2010 to 2011, attributable to its change in market share? Report your answer in individual units.

In: Accounting

1. A developer in Chicago is planning to build a 7 story building with 28 condo...

1. A developer in Chicago is planning to build a 7 story building with 28 condo units (14 one bedroom units and 14 two bedroom units). The target market is the growth in new households living within a 1 mile radius of downtown Chicago with age groups 25-64. The construction takes approximately one year and is expected to be completed at the end of 2019. From comparable pricing data, they expect to sell the one bedroom condos for $750,000 each and the two bedroom condos for $900,000 each in 2020.

  1. If they can sell all the units in 2020, what are the total projected revenues for 2020 achieved by selling all the units?

  2. They expect that qualifying households who buy the condos will take out a fixed rate 30 year loan (with an interest rate of 4.5%) and a 20 percent down payment. What down payment (equity amount) is required from the buyers for each type of condo? Does the down payment amount change if interest rates increase to 5%? Why or why not?

  3. Use the PMT function in Excel to compute the minimum qualifying income for the condos priced at $750,000. Also, what is the minimum qualifying income for the condos priced at $900,000? (You may assume that property taxes and insurance will cost 2% of the sale price annually and the minimum qualifying ratio from the bank is 35%). What are the minimum qualifying incomes if interest rates rise to 5%? Why does it change?

  4. There is some concern whether there is sufficient demand to sell all the units in 2020. To help estimate the demand, they purchased data from ESRI that gives the number of households in 2018 and the projected number of households in 2023 by age and income within the 1 mile radius of Downtown Chicago. The data appear in the file Chicago Condos.xls . The developers want to focus on the 25-64 age groups in the area and estimates that approximately 40 percent of the households in the 25-34 age group prefer to own rather than rent. Similarly, 60 percent in the 35- 44 age group, 75 percent in the 45-54 age group and 85 percent in the 55–64 age group prefer to own (rather than rent). Also, market focus groups indicate that out of those who qualify and want to own, 50 percent prefer the one-bedroom type condos and 65 percent prefer the two bedroom condos

    Estimate the number of new households in 2020 who qualify for the one-bedroom condos priced at $750,000, prefer to own, and prefer the one-bedroom condo design. Similarly, estimate the household demand in 2020 for the two-bedroom condos. Also, estimate the demand for each design if interest rates rise to 5% for a 30 year fixed rate loan and indicate how it changes.

  5. If the developer builds 14 of each design type (28 total), what are the “capture rates” of the household demand for each condo type if the developer sells all 28 condos in 2020 and if interest rates remain at 4.5 percent? What are the demand capture rates if interest rates increase to 5 percent? Discuss what other important information is needed to determine the market feasibility of the condo project for the developer.

In: Finance