When one selects a particular professional life, does that also give one a certain set of moral obligations?

When one selects a particular professional life, does that also give one a certain set of moral obligations? Be specific to your potential career field in considering three to four issues and three to four personal views

Complete the following requirements in your presentation:

· Cover a topic mentioned above, as well as three to four principle issues within your topic.

· Develop your personal philosophy concerning the topic you chose.

· Cite, according to APA style guidelines, at least three philosophers mentioned in Philosophy: The Power of Ideas.

· Include speaker’s notes that add to the presentation and, therefore, are not a replica of the PowerPoint® slides.

· Using text and graphics, create 11-14 PowerPoint® slides to illustrate your philosophy. The presentation should include the following:

o One introduction slide that presents your topic

o Three to four slides that describe three to four principle issues within your topic

o Three to four slides that present your views concerning these principle issues

o Three to four slides that present historical philosophers’ views as support for your theory

o One conclusion slide

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The scientific method includes all of the following EXCEPT

The scientific method includes all of the following EXCEPT: (Points: 5)
observation.
hypothesis making.
testing.
the application of knowledge gained.


2. 2. A control group differs from an experimental group: (Points: 5)
in the number of test organisms used.
by the independent variable.
in several ways.
in no way.


3. A theory and a hypothesis are different in that: (Points: 5)
you must have a theory before you can form a hypothesis.
a theory is developed as a result of broad agreement among scientists and a hypothesis is a much less substantiated idea.
a theory is much easier to disprove than a hypothesis.
a theory can never be disproved while a hypothesis can.


4. 4. Pseudoscience and nonscience differ in that: (Points: 5)
nonscience is not valuable and pseudoscience is valuable.
pseudoscience deceives, misleads, or misinforms and this is not a primary characteristic of nonscience.
nonscience forms hypotheses and pseudoscience does not.
pseudoscience has led to major changes in intellectual thought and nonscience has not.


5. 5. Metabolism refers to: (Points: 5)
chemical reactions such as photosynthesis.
the process of reproduction.
the formation of heterotrophs.
a collection of hypotheses.


6. 6. Which sequence correctly lists levels of organization from simple to more complex? (Points: 5)
Biosphere, ecosystem, community, population
Atoms, cell, molecules, tissue, organism
Organ system, organ, organisms, cell
Cell, tissue, organ, organ system


7. Kinetic energy is best defined as: (Points: 5)
the energy of position.
the energy of electrical charge.
the energy of motion.
stored energy.


8. An isotope is an atom of an element that varies in mass number due to variation in the number of: (Points: 5)
atoms.
protons.
neutrons.
electrons.


9. A covalent bond is: (Points: 5)
the attraction that one atom has for another atom.
the attraction between two atoms, formed by the sharing of electrons.
formed between the positive charge of a hydrogen atom in one molecule and the negative charge of a nitrogen atom in another nearby molecule.
the attraction between a positive ion and a negative ion.


10. Solutions are always comprised of: (Points: 5)
solvents and solute.
liquids and solids.
water and salts.
compounds and ions.


11. Which of the following is a chemical reaction that is also known as digestion? (Points: 5)
Phosphorylation
Dehydration synthesis
Acid-base
Hydrolysis


12. Which kind of chemical reaction involves the attachment or removal of a phosphate group? (Points: 5)
Oxidation-reduction
Acid phosphorylation
Phosphorylation
Hydrolysis


13. A solution with a high concentration of hydrogen ions could have a pH of: (Points: 5)
2.
6.
9.
11.


14. The reaction C6H12O6 + O2 „_ CO2 + 6H2O is which type of chemical reaction? (Points: 5)
Hydrolysis
Transfer
Dehydration synthesis
Oxidation-reduction


15. Organic molecules always: (Points: 5)
contain carbon.
contain carbon, hydrogen, and oxygen respectively in a 1:2:1 ratio.
are produced by living organisms.
dissolve in water.


16. A number of simple sugars may combine to form: (Points: 5)
protein.
complex carbohydrates.
amino acids.
fat.


17. Carbohydrates are a source of: (Points: 5)
protein.
energy.
glycerol.
fatty acids.


18. Which is NOT a major function of proteins? (Points: 5)
Provides cell structure
Stores energy for the cell
Functions as regulator molecules in cellular activity
Functions as carrier molecules


19. Which of the following is NOT a lipid? (Points: 5)
Olive oil
Fat
Amino acid
Steroid


20. Molecules that resemble fats but contain phosphate functional groups are called: (Points: 5)
steroids.
polypeptides.
phospholipids.
nucleic acid.

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Fin200 Week 8 quiz

1) Which of the following is the largest category of asset-backed securities?
A.

Student Loans
B.

Manufactured Housing Loans
C.

Automobile Loans
D.

Home Equity Loans

2) LIBOR is
A.

a resource used in production.
B.

the interest rate paid by the British government on its long-term bonds.
C.

an interest rate paid on Eurodollar loans in the London market.
D.

an interest rate paid by European firms when they borrow Eurodollar deposits from U.S. banks.

3) A firm has invested in corporate bonds; it may engage in a financial futures contract in order to protect itself from
A.
declining interest rates.
changes in hedging activities.
C.
rising interest rates.
D.
inflation.

4) Commercial paper is very popular with many firms because
A.

it can usually be issued below the prime rate.
B.

it is very easy to roll over (refinance) in times of economic turmoil.
C.

it satisfies the firm's need for long-term funds.
D.

there are no required lines of credits at the bank.

5) Sharon Smith will receive $1 million in 50 years. The discount rate is 14%. As an alternative, she can receive $2,000 today. Which should she choose?
A.

the $1 million dollars in 50 years.
B.

need more information.
C.

$2,000 today.
D.

she should be indifferent.

6) As the time period until receipt increases, the present value of an amount at a fixed interest rate
A.

decreases.
B.

Not enough information to tell.
C.

remains the same.
D.

increases.

7) You are to receive $12,000 at the end of 5 years. The available yield on investments is 6%. Which table would you use to determine the value of that sum today?
A.

Present value of an annuity of $1
B.

Future value of $1
C.

Future value of an annuity
D.

Present value of $1

8) To save for her newborn son's college education, Lea Wilson will invest $1,000 at the beginning of each year for the next 18 years. The interest rate is 12 percent. What is the future value?
A.

$7,690.
B.

$55,750.
C.

$34,931.
D.

$63,440.

9) Firms exposed to the risk of interest rate changes may reduce that risk by
A.

obtaining a Eurodollar loan.
B.

hedging in the commodities market.
C.

hedging in the financial futures market.
D.

pledging or factoring accounts receivable.

10) All of the following are benefits of commercial paper to the corporation EXCEPT:
A.

it is often issued at below the prime interest rate
B.

they are less risky
C.

there are no compensating balance requirements
D.
they provide prestige

11) Under what conditions must a distinction be made between money to be received today and money to be received in the future?
A.

A period of recession.
B.

When there is no risk of nonpayment in the future.
C.

When idle money can earn a positive return.
D.

When current interest rates are different from expected future rates.

12) Mr. Nailor invests $5,000 in a money market account at his local bank. He receives annual interest of 8% for 7 years. How much return will his investment earn during this time period?
A.

$2,915
B.

$3,570
C.

$6,254
D.

$8,570

13) Dr. J. wants to buy a Dell computer which will cost $2,788 four years from today. He would like to set aside an equal amount at the end of each year in order to accumulate the amount needed. He can earn 7% annual return. How much should he set aside?
A.

$531.81
B.

$697.00
C.

$823.15
D.

$627.93

14) Sharon Smith will receive $1 million in 50 years. The discount rate is 14%. As an alternative, she can receive $2,000 today. Which should she choose?
A.

she should be indifferent.
B.

$2,000 today.
C.

need more information.
D.

the $1 million dollars in 50 years.

15) Commercial paper that is sold without the use of an actual paper certificate is known as
A.

term paper.
B.

book-entry paper.
C.

dealer paper.
D.

finance paper.

16) Kathy has $60,000 to invest today and would like to determine whether it is realistic for her to achieve her goal of buying a home for $150,000 in 10 years with this investment. What return must she achieve in order to buy her home in 10 years?
A.

between 10% and 11%
B.

between 9% and 10%
C.

between 8% and 9%
D.

between 7% and 8%

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Managerial Finance 1 Multiple Choice exam

1.

The IF for the future value of an annuity is 4.5 at 10% for 4 years. If we wish to accumulate $8,000 by the end of 4 years, how much should the annual payments be?
(Points: 2)
$2,500
$2,000
$1,778
None of the above


2.

As the time period until receipt increases, the present value of an amount at a fixed interest rate
(Points: 2)
decreases.
remains the same.
increases.
Not enough information to tell.


3.

After 20 years, 100 shares of stock originally purchased for $1000 was sold for $5,000. What was the yield on the investment? Choose the closest answer.
(Points: 2)
19%
5%
12.7%
8%


4.

Mr. Nailor invests $5,000 in a certificate of deposit at his local bank. He receives annual interest of 8% for seven years. How much interest will his investment earn during this time period?
(Points: 2)
$2,915
$3,570
$6,254
$8,570


5.

Lou Lewis borrows $10,000 to be repaid over 10 years at 9%. Repayment of principal in the first year is:
(Points: 2)
$1,558
$658
$742
$885


6.

The future value of a $1,000 investment today at 8% annual interest compounded semiannually for five years is:
(Points: 2)
$1,469
$1,480
$1,520
$1,555


7.

You have an opportunity to buy a $1,000 bond which matures in 10 years. The bond pays $30 every six months. The current market interest rate is 8%. What is the most you would be willing to pay for this bond?
(Points: 2)
$407.70
$456.00
$788.60
$863.70


8.

Which of the following is not one of the components that make up the required rate of return on a bond?
(Points: 2)
risk premium
real rate of return
inflation premium
maturity payment


9.

A 14-year zero-coupon bond was issued with a $1000 par value to yield 12%. What is the approximate market value of the bond?
(Points: 2)
$597
$205
$275
$482


10.

A ten-year bond pays 11% interest on a $1000 face value annually. If it currently sells for $1,195, what is its approximate yield to maturity?
(Points: 2)
9.33%
7.94%
12.66%
8.10%


11.

Valuation of financial assets requires knowledge of
(Points: 2)
future cash flows.
appropriate discount rate.
past asset performance.
a and b


12.

An issue of common stock is expected to pay a dividend of $4.80 at the end of the year. Its growth rate is equal to 8%. If the required rate of return is 13%, what is its current price?
(Points: 2)
$103.68
$36.92
$96.00
none of the above


13.

A higher interest rate (discount rate) would
(Points: 2)
reduce the price of corporate bonds.
reduce the price of preferred stock.
reduce the price of common stock.
all of the above.


14.

A common stock which pays a constant dividend can be valued as if it were a
(Points: 2)
corporate bond.
stock paying a growing dividend.
preferred stock.
discount bond.


15.

The preferred stock of Gapers Inc. pays an annual dividend of $6.50. If the required return is 8%, the price of the preferred stock is:
(Points: 2)
$12.50
$52.00
$65.00
$81.25


16.

Perot Marketing is expected to pay $2.40 per share in dividends at the end of the next 12 months. The growth rate in dividends is expected to be constant at 9% per year. If the stock is selling for $51.30 per share, what is the required rate of return?
(Points: 2)
4.6%
5.1%
9.0%
13.7%


17.

The weighted average cost of capital is used as a discount rate because
(Points: 2)
it is an indication of how much the firm is earning overall.
as long as the cost of capital is earned, the common stock value of the firm will be maintained.
it is comparable to the prevailing market interest rates.
returns below the cost of capital will cover all fixed costs associated with capital and provide an excess return to stockholders.


18.

Using the constant dividend growth model for common stock, if Po goes up
(Points: 2)
the assumed cost goes up.
the assumed cost goes down.
the assumed cost remains unchanged.
Need further information.


19.

Expected cash dividends are $2.50, the dividend yield is 6%, flotation costs are 4%, and the growth rate is 3%. Compute cost of new common stock.
(Points: 2)
9.00%
9.25%
9.18%
9.44%


20.

The pre-tax cost of debt for a new issue of debt is determined by
(Points: 2)
the investor's required rate of return on issued stock.
the coupon rate of existing debt.
the yield to maturity of outstanding bonds.
all of the above.


21.

A firm is paying an annual dividend of $3.63 for its preferred stock which is selling for $62.70. There is a selling cost of $3.30. What is the cost of preferred stock?
(Points: 2)
2.02%
4.09%
5.79%
6.11%


22.

The coupon rate on a debt issue is 12%. If the yield to maturity on the debt is 9.33%, what is the after-tax cost of existing debt if the firm's tax rate is 34%?
(Points: 2)
3.17%
4.08%
6.16%
7.92%


23.

A firm's stock is selling for $85. The dividend yield is 5%. A 7% growth rate is expected for the common stock. The firm's tax rate is 32%. What is the firm's cost of common equity?
(Points: 2)
8.16%
12.00%
12.35%
can not be determined.


24.

Firm X has a tax rate of 30%. The price of its new preferred stock is $63 and its flotation cost is $3.15. The cost of new preferred stock is 12%. What is the firm's dividend?
(Points: 2)
$7.18
$5.03
$7.56
none of the above.


25.

A firm can issue $1,000 par value bond that pays $100 per year in interest at a price of $980. The bond will have a five-year life. The firm is in a 35% tax bracket. What is the after-tax cost of debt?
(Points: 2)
10.33%
10.20%
6.63%
6.84%


26.

Please answer questions 26-29 based on the following information:
Zinger Corporation manufactures industrial type sewing machines. Zinger Corp. received a very large order from a few European countries. In order to be able to supply these countries with its products, Zinger will have to expand its facilities. Of the required expansion, Zinger feels it can raise $75 million internally, through retained earnings. The firm's optimum capital structure has been 45% debt, 10% preferred stock and 45% equity. The company will try to maintain this capital structure in financing this expansion plan. Currently Zinger's common stock is traded at a price of $20 per share. Last year's dividend was $1.50 per share. The growth rate is 8%. The company's preferred stock is selling at $50 and has been yielding 6% in the current market. Flotation costs have been estimated at 8% of common stock and 3% of preferred stock. Zinger Corp. has bonds outstanding at 10%, but its investment banker has informed the company that interest rates for bonds of equal risk are currently yielding 9%. Zinger's tax rate is 46%.

Ke =
(Points: 2)
6.19%
8.1%
14.19%
16.1%


27.

Kn =
(Points: 2)
14.19%
16.1%
16.8%
26.85%


28.

The weighted average cost of capital, using Ke, is:
(Points: 2)
6.78%
10.051%
10.4%
27.15%


29.

The firm can support a capital structure of ___________ with retained earnings financing.
(Points: 2)
$ 41.25 million
$136.36 million
$116.25 million
$166.67 million


30.

If an investment project has a positive net present value, then the internal rate of return is
(Points: 2)
less than the cost of capital.
greater than the cost of capital.
equal to the cost of capital.
indeterminate; it depends on the length of the project.


31.

Capital rationing
(Points: 2)
is a way of preserving the assets of the firm over the long term.
is a less than optimal way to arrive at capital budgeting decisions.
assures stockholder wealth maximization.
assures maximum potential profitability.


32.

For acceptable investments, the reinvestment assumption under the internal rate of return is generally
(Points: 2)
higher than under the net present-value method.
lower than under the net present-value method.
at the cost of capital.
below the cost of capital.


33.

Firm X is considering the replacement of an old machine with one that has a purchase price of $70,000. The current market value of the old machine is $25,000 but the book value is $32,000. The firm's tax rate for ordinary income is 30%. What is the net cash outflow for the new machine after considering the sale of the old machine?
(Points: 2)
$42,900
$38,000
$45,000
$40,100


34.

The reason cash flow is used in capital budgeting is because
(Points: 2)
cash rather than income is used to purchase new machines.
cash outlays need to be evaluated in terms of the present value of the resultant cash inflows.
to ignore the tax shield provided from depreciation ignores the cash flow provided by the machine which should be reinvested to replace old worn out machines.
all of the above.


35.

The Wet Corp. has an investment project that will reduce expenses by $15,000 per year for three years. The project's cost is $20,000. If the asset is part of the three-year MACRS category (33% first year depreciation) and the company's tax rate is 34%, what is the cash flow in year one?
(Points: 2)
$6,800
$5,100
$12,144
$16,667


36.

Project A has a $5,000 net present value at a zero discount rate and an internal rate of return of 12%. Project B has an $8,000 net present value at a zero percent discount rate and an IRR of return of 10%. If the projects are mutually exclusive, which one should be chosen?
(Points: 2)
Project A because it has a higher internal rate of return
Project B if the cost of capital is less than the crossover point
Both projects if the net present value is positive
Not enough information


37.

With the exception of real estate investments, MACRS depreciation is beneficial to corporations because it
(Points: 2)
increases total depreciation.
lengthens the lives of assets for depreciation purposes.
shortens the lives of assets for depreciation purposes.
classifies assets into specific, well-understood groups for depreciation purposes.


38.

With non-mutually exclusive projects
(Points: 2)
the payback method will select the best project.
the net present value method will always select the best project.
the internal rate of return method will always select the best project.
the net present value and the internal rate of return methods will always accept or reject the same project.

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The Marsh company makes standard size 2 inch fasteners,which it sells for $155 per thousand. Mr. Marsh is the majority owner and manages the inventory

The Marsh company makes standard size 2 inch fasteners,which it sells for $155 per thousand.
Mr. Marsh is the majority owner and manages the inventory and finances of the company. He
Estimates sales for the following months to be.

Month Fasteners
Jan $263,000 1,700,000
Feb $186,000 1,200,000
Mar $217,000 1,400,000
April $310,000 2,000,000
May $387,500 2,500,000

Last year Marsh corp sales were $175,000 in November and $232,500 in December.(1,500,000 fasteners.
Mr. Marsh is preparing for a meeting with his banker to arrange the financing for the first quater.
Based on his sales focast and the following information he provided please prepare a monthly cash budget,
monthly and quaterly pro forma income statements,a pro forma quaterly balance sheet and all the
necessary supporting schedules for the first quater.


Past histroy shows that the Marsh corp collects 50 % of it accounts recievable in the normal 30 day
period( the month after the sale)and the other 50 % in 60 days. It pays for materials 30 days after
receipt. In general mr. Marsh likes to keep a 2 months supply in inventory in anticipation of sales.
Inventory at the begining of December was 2,600,000 units.

The major cost of the production is the purchase of raw materials in the form of stell rods,which
are cut threaded and finished.last year raw material costs were $ 52.00 per 1,000 fasteners but mr. Marsh
has just been notifed that material cost have risen,effective January1,to $60.00 per 1,000 fasteners. The March
corp uses fifo inventory accounting. Labor costs are relitivly constant at $20.00 per thousand fasteners,
since workers are paid on a piece work basis.

Over head is allocated at $10.00 per thousand units and selling and administrative expense is 20% os sales.
Labor expenses and overhead are direct cash outflows paid in the month incurred,while intrest and taxes are paid
quaterly.

The corp usually maintains a min cash budget of 25,000 and it puts its excess cash into marketable securities
The average tax rate is 40% and mr, marsh usaullt pays out 50% of the net income in dividens and to stock
holders. Marcketable securities are sold before funds are borrowed when when a cash shortage is faced. Ignore
the intrest on any short-term borrowings. Intreat on the long-term debt is paid in March as are the taxes and
dividens.

As of year-end, the marsh Corp balance sheet was as followed.

December 31,200X
Current Assets
Cash $30,000
Accounts receivable 320,000
inventory 237,000
Total assets $587,800

Fixed assets
plant and equipment 1,000,000
Less: accumulated depreciation 200,000
Total assets 800,000
________
1,387,800

Liabilities and stock holders equity
Accounts payable $93,600
notes payable 0
Long-term debt,8 percent 400,000
common stock 504,200
retained earnings 390,000
total liabilities and stockholders equity $1,387,800

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Delsing Canning Company Chapter 5 problem 5-24

Chapter 5 problem 5-24


Sales $5,000,000
Less: Variable expense (50% of sales) 2,500,000
Fixed expense 1,800,000
Earnings before interest and taxes (EBIT) 700,000
Interest ( 10% cost) 200,000
Earnings before taxes ( EBT) 500,000
Tax (30%) 150,000
Shares of common stock -200,000
Earnings per share $1.75


The company is currently financed with 50 percent debt and 50 percent equity (common stock, par value of value of $10.00). In order to expend the facilities, Mr. Delsing estimates a need for $2 million in additional financing. His investment banker has laid out three plans for him to consider.
1. Sell $2 million of debt at 13 percent.
2. 2. Sell $2 million of common stock at $20 per share
3. Sell 1 million of debt at 12% and $1 million of common stock at $25.00 per share.


Variable cost is expected to stay at 50 percent of sales, while fixed expenses will increase to $2,300,000 per year. No more room left for rest of prob if you can do it I can send rest.

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Fin 200 2nd year

Fin 200, 2nd yr.


1. Maximization of share holder wealth is a concept in which:
a. optionally increasing the long term value of the firm is emphasized
b. profits are maximized on a quarterly basis
c. increased earnings is of primary importance
d. virtually all earnings are paid as dividends to common stock holders.

2. Regarding risk levels financial managers should:
a. evaluate investor's desire for risk
b. pursue higher risk projects because they increase value.
c. focus primarily on market fluctuations
d. Avoid higher risk projects because they destroy value.

3. One of the major disadvantages

a. low operating costs
b. that there s unlimited liability to the owner.
c. low organizational costs.
d. the simplicity of decision making

4.Which account represents the cumulative earnings of the firm since its formation, minus dividends paid?
a. accumulated depreciation
b. paid -in capital
c. retained earnings
d. common stock

5. The statement of cash flows does NOT include which of the following sections?
a. cash flows from financing activities
b. cash flows from operating activities
c. cash flows from investing activities
d. cash flows form sales activities

6. An increase in investments in long-term securities will:
a. decrease cash flow financing activities
b. increase cash flow investing activities
c. increase cash flow from financing activities
d. decrease cash flow from investing activities

7.In examining the liquidity ratios, the primary emphasis is the firm's
a. ability to earn an adequate return
b. ability to effectively

8. Which of the following is not considered to be a profitability ratio?
a. return on assets (investment)
b. profit margin
c. return on equity
d. times interest earned

9. For a given level of profit ability as measured by profit margin, the firm's return on equity will. a. decrease as its time-interest earned ration decreases.
b. increase as its debt to assets ratio decreases
c. increase as its debt-to assets ratio increases
d. decrease as its current ratio increases
Marni company Balance Sheet As of Dec. 31, 2007
Assets
c=50,000
act. rec. 100,00
Inv

10. fixed asset turn-over ratio is
a. 0.1x
b. 3.1x
c. 2x.
d. 1.5x.

11. debt to asset ratio is
a. 48%
b. 58%
c. 25%
d. 33%
TEW Company Income Statement, Income Statement

12. Inventory turnover ratio is
a. 0.1x
b.10x.
c. 2,7x
d. 8x.

13. The need for an increase or decrease in short-term borrowing can be predicted by
a. an income statement
b. ratio analysis
c. a cash budget
d. trend analysis

14. The percent-of-sales method f financial forecasting
a. provides a mouth -to-mouth breakdown of data
b. is more detailed than a cash budge approach
c. assumes that balance sheet accounts maintain a constant relationship to sales
d. requires more time that a cash budget approach

15. In financial statements, the number of units shown in cost of goods sold as compared to the number of the units actually produced.
a. can be either higher or lower
b. is high
c. is the same
d. is lower

16. The pro forma income statement is important to the overall process of constructing pro forma statements because it allows us to determine a value for:
a. change in retained earnings
b. gross profit
c. interest expense
d. prepaid expenses

17. A firm utilizing LIFO inventory accounting would in calculating gross profits, assume that
a. all sales were from current production
b. all sales were from beginning inventory
c. sales were from current production until current production was depleted, and then use sales from beginning inventory
d. all sales were for cash

18. a firm has beginning inventory of 300 units at a cost of $11 each. Production during the period was 650 units at $12 each. If sales were 700 units, what is the cost of goods sold (assume FIFO)?
a.$9,000
b.$8.000
c.$7,700
d.$8,100

19 The concept of operating lever age involves the use of _____ to magnify returns at high levels of operation.
a. fixed costs
b. variable costs
c. marginal costs
d. semi-variable costs

20. When a firm employs no debt
a. it has a financial leverage of one
b. it has a financial leverage of zero
c. its operating leverage is equal to its financial leverage
d. it will not be profitable

21. Firms with a high degree of operating leverage are
a. easily capable of surviving large changes in sales volume
b. usually trading off lower levels of risk for higher profits
c. significantly affected by changes in interest rates
d. trading off higher fixed costs for lower per-unit variable costs

22. if TechCor has fixed costs of $80,000, variable costs of $1.20/unit, sales price/unit of $6, and depreciation expense of $25,000, what is their cash break-even in units
a. 9,167
b. 11,458
c. 21,875
d. 45,833

23. The break-even point can be calculated as
a. variable costs divided by contribution margin
b. total costs divided by contribution margin
c. variable cost times contribution margin
d. fixed cost divided by contribution margin

24. In break-even analysis, the contribute. margin is def

25. A conservatively financed firm would
a. use long-term financing for all fixed assets and short -term financing for all ther assets.
b. finance a portion of permanent assets and short-term assets with short-term debt.
c. use equity to finance fixed assets, long-term debt to finance permanent assets, and short-
d. use long-term financing for permanent current assets and fixed assets and a portion of the short-term fluctuating assets and use short term financing for all other short-term assets

26. During tight money periods
a. long-term rates are higher than short-term rates
b. short-term rtes are higher than long-term rates
c. short-term rates are equal to long-term rates
d. the relationship between short and long-term rates remains unchanged

27. when the yield curve is upward sloping, generally a financial manager should
a. utilize long-term financing
b. utilize short-term financing
c. wait for future financing
d. lease

28. which of the following combinations of asset structures and fin

29. which of the follow combinations of asset structures and financing patterns is likely to create the most volatile earnings.?

30. Which of the following is not a condition under which a prudent manager would accept some risk in financing.
a. predictable cash flow patterns
b. inventory is stable
c, price of inventory is stable
d. easy access to capita markets

31. in managing cash and marketable securities, what should be the manager’s primary concern?
a. maximization of profit
b. maximization of liquid assets
c, liquidity and safety
d. acceptable return on investment

32. How would electronic funds transfer affect the use of float?
a. increase its use somewhat
b. decrease its use somewhat
c. have no effect on its use
d. virtually eliminate its use

33. Float takes place because
a. a firm is early in paying its bills
b. the level of cash on the firms bonds is equal to the level of cash in the bank
c.a customer writes "hot" checks
d. a long exists between writing a check and cle

35. When developing a credit score in report many variables would be considered. Which of the following best represents the major factors Dun& Bradstreet would examine?
a. the age of the management team, the dollar amount of sales, net profits and long term debt.
b. the age of the company, the number of employees, the level of current assets
c. the companies cash balances return on equality, and its average tax rates
d. the financial statements, satisfactory or slow payment experiences, negative public records 9suits, liens, judgments, bankruptcies.

36. the most subjective and also significant segment of the 5 c's of credit for giving final approval is:
a. capacity b. collateral c. conditions d. character

37. which of the following is not a method for lenders to control pledged inventory?
a. blanket inventory liens b. trust receipts c. factoring d. ware housing

38 What is generally the largest source of short-term credit small firms?
a. bank loans b. commercial paper c. trade credit d

39. Which of the following is not a true statement about commercial paper.
a. finance paper is sold directly to the lender by the finance company
b. finance paper is also referred to as direct paper
c. industrial companies, utility firms or finance companies too small to sell direct paper sell dealer paper
d. dealer paper is sold directly to the lender by a finance company

40. which method of controlling pledged inventory provides the greatest degree of security to the lender?
a. blanket inventory liens
b. overall inventory liens
c. warehousing
d. trust receipts

41. trade credit may be used to finance a major part of the firms working capital when
a. the firm extends less liberal credit terms then the supplier
b. the firm extends more liberal credit terms than the supplier
c, neither the firm nor the supplier extends credit
d. the firms and the supplier both extend the same credit

42. General rent-alls officers arrange a $50,000 loan. The company is required to maintain a minimum

43. An annuity may be defined as a. a payment at a fixed interest rate b. a series f payments of unequal amount c. a series of consecutive payments of equal amounts d. a series fo yearly payments.

44. In determining the future value of a single amount, one measure
a. the future value of periodic payment at a given interest rate.
b. the present value of an amount discounted at a given interest rate
c. the present value of periodic payments at a given interest rate
d. the future value of a amount allowed to grow at a given interest rate.

45. As the discount rate becomes higher and higher the present value of in flows approaches
a. minus infinity b, 0 c. plus infinity d. need more information

46. John Doeber borrowed $125,000 to buy a house. His loan cost was 11% and he promised to repay the loan in15 equal annual payments. how much are the payments
a. 9,250 b. 3,633 c. 13.113 d. 17,383

47. If you were to put $1,00 in the bank @ 6% interest each year for the next ten years,


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Write a 700- to 1,050-word essay in APA format on the use of plea bargains in the legal system

Write a 700- to 1,050-word essay in APA format on the use of plea bargains in the legal
system. In your essay:

o Summarize the purpose of plea bargains.
o Provide examples of types of plea bargains.
o Include any positive and negatives for each type of plea bargain.
o Compare arguments for and against the use of plea bargains.
? Decide with which perspective (for or against) you agree.
? Support your rationale.
? Determine what you would like to see happen in the future with plea bargaining.
? Cite at least two outside sources to support research and rationale.
? Post as an attachment.

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Write a client and server, Java Swing application using socket connections that allows the client to specify a filename to the server in a Textfield

Write a client and server, Java Swing application using socket connections that allows the client to specify a filename to the server in a Textfield and the server send the contents of the file back to the client if it exists. If the file does not exist, then it should send back an appropriate error message instead. Submit your zipped NetBeans project with all files, essay, and screenshots demonstrating your code runs. In both the Client and the Server a JTextArea must reflect the messages sent and received in both the client and the server in order to give the user feedback.

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Assignment: Real and Intellectual Property Law Briefs

Assignment: Real and Intellectual Property Law Briefs

 Resources: Appendices B & C

 Due Date: Day 7 [Individual] forum

 Brief a case involving real properties.

 Brief a case involving intellectual properties.

 Submit two 500-750 word papers that outline your briefs; one per case.

 Include the answers to “follow-up” questions below, separate from your case briefings. Answers to the “follow-up” questions should be in complete sentences and be at least 150 words in length.



Follow-up Questions

 Why is the title to real property permanent whereas some intellectual property is limited in the time that it is protected?

 Owning real property does not mean that all rights are protected. Provide two examples where rights are limited in the ownership of land or personal property.

 What are some similarities and differences between the legal protections available for real and intellectual properties?

 What is the difference between copyrights, trademarks, and patents?

 How do servitudes and easements get put into place?

 How can servitudes and easements be protected?

 Why are servitudes and easements important?

 Use Appendix C to assist in organizing your thought and ideas prior to writing your paper.

 Format the papers according to APA guidelines.

 Post as an attachment.
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Fin200 Week 8 quiz

1) Which of the following is the largest category of asset-backed securities?
A.

Student Loans
B.

Manufactured Housing Loans
C.

Automobile Loans
D.

Home Equity Loans

2) LIBOR is
A.

a resource used in production.
B.

the interest rate paid by the British government on its long-term bonds.
C.

an interest rate paid on Eurodollar loans in the London market.
D.

an interest rate paid by European firms when they borrow Eurodollar deposits from U.S. banks.

3) A firm has invested in corporate bonds; it may engage in a financial futures contract in order to protect itself from
A.
declining interest rates.
changes in hedging activities.
C.
rising interest rates.
D.
inflation.

4) Commercial paper is very popular with many firms because
A.

it can usually be issued below the prime rate.
B.

it is very easy to roll over (refinance) in times of economic turmoil.
C.

it satisfies the firm's need for long-term funds.
D.

there are no required lines of credits at the bank.

5) Sharon Smith will receive $1 million in 50 years. The discount rate is 14%. As an alternative, she can receive $2,000 today. Which should she choose?
A.

the $1 million dollars in 50 years.
B.

need more information.
C.

$2,000 today.
D.

she should be indifferent.

6) As the time period until receipt increases, the present value of an amount at a fixed interest rate
A.

decreases.
B.

Not enough information to tell.
C.

remains the same.
D.

increases.

7) You are to receive $12,000 at the end of 5 years. The available yield on investments is 6%. Which table would you use to determine the value of that sum today?
A.

Present value of an annuity of $1
B.

Future value of $1
C.

Future value of an annuity
D.

Present value of $1

8) To save for her newborn son's college education, Lea Wilson will invest $1,000 at the beginning of each year for the next 18 years. The interest rate is 12 percent. What is the future value?
A.

$7,690.
B.

$55,750.
C.

$34,931.
D.

$63,440.

9) Firms exposed to the risk of interest rate changes may reduce that risk by
A.

obtaining a Eurodollar loan.
B.

hedging in the commodities market.
C.

hedging in the financial futures market.
D.

pledging or factoring accounts receivable.

10) All of the following are benefits of commercial paper to the corporation EXCEPT:
A.

it is often issued at below the prime interest rate
B.

they are less risky
C.

there are no compensating balance requirements
D.
they provide prestige

11) Under what conditions must a distinction be made between money to be received today and money to be received in the future?
A.

A period of recession.
B.

When there is no risk of nonpayment in the future.
C.

When idle money can earn a positive return.
D.

When current interest rates are different from expected future rates.

12) Mr. Nailor invests $5,000 in a money market account at his local bank. He receives annual interest of 8% for 7 years. How much return will his investment earn during this time period?
A.

$2,915
B.

$3,570
C.

$6,254
D.

$8,570

13) Dr. J. wants to buy a Dell computer which will cost $2,788 four years from today. He would like to set aside an equal amount at the end of each year in order to accumulate the amount needed. He can earn 7% annual return. How much should he set aside?
A.

$531.81
B.

$697.00
C.

$823.15
D.

$627.93

14) Sharon Smith will receive $1 million in 50 years. The discount rate is 14%. As an alternative, she can receive $2,000 today. Which should she choose?
A.

she should be indifferent.
B.

$2,000 today.
C.

need more information.
D.

the $1 million dollars in 50 years.

15) Commercial paper that is sold without the use of an actual paper certificate is known as
A.

term paper.
B.

book-entry paper.
C.

dealer paper.
D.

finance paper.

16) Kathy has $60,000 to invest today and would like to determine whether it is realistic for her to achieve her goal of buying a home for $150,000 in 10 years with this investment. What return must she achieve in order to buy her home in 10 years?
A.

between 10% and 11%
B.

between 9% and 10%
C.

between 8% and 9%
D.

between 7% and 8%
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