Here are three practical examples of why a critical thinker should be mindful of possible implicit and explicit meanings in people's expressions:
Why should a critical thinker should be mindful of possible implicit and explicit meanings in peoples expressions?In the workplace: When communicating with colleagues, it is important to be mindful of their expressions, as they may convey implicit or explicit meanings that could affect the outcome of the conversation. For example, a colleague may say that they are "fine" when asked about their workload, but their tone and body language may suggest otherwise. A critical thinker who is mindful of these implicit and explicit meanings may follow up with the colleague to get a better understanding of their workload and offer assistance if necessary.
In social situations: In social situations, people often use implicit or explicit meanings to convey their thoughts and feelings. For example, a friend may say that they are "not really feeling up to going out tonight," which could be interpreted as a polite way of saying that they don't want to go out at all. A critical thinker who is mindful of these implicit and explicit meanings may ask follow-up questions to get a clearer understanding of what their friend means and make plans accordingly.
In media consumption: When consuming media, such as news articles, it is important to be mindful of implicit and explicit meanings that may be conveyed. For example, an article about a controversial topic may use language that implies a particular point of view, or a news anchor may use a particular tone or body language that conveys a bias.
Therefore, a critical thinker who is mindful of these implicit and explicit meanings may seek out additional sources of information to get a more balanced view of the topic at hand.
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why does an economy that has full employment have frictional, seasonal, and structural unemployment but not cyclical unemployment?
The economy is experiencing a downturn in the business cycle during cyclical unemployment, which results in a decline in demand for both goods and services and labor.
Therefore, when an economy has full employment and is performing well, employment, goods, and services are all performing well.
Why does frictional occur in an economy with full employment?In an economy that is stable and growing, frictional unemployment occurs. Frictional unemployment is caused by workers switching jobs and new hires entering the workforce. Those who decide to put taking care of their family, returning to school, or finding their life's purpose first are also the root causes of frictional unemployment.
Why does the economy experience structural unemployment?When there is a mismatch between those looking for work and the jobs that are available, structural unemployment occurs. This disparity might occur because jobseekers lack the necessary skills to perform the available jobs, or because the jobs are located a considerable distance from the jobseekers.
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According to the chart, by year 5, the combined payment for principal and interest will increase to approximately . by year 15, the combined payment will increase to approximately . recall that taxes and mortgages add about $400 to the payment for principal and interest. if demarco and tanya’s income stays the same, by year 10, their total payment will be 25% of their gross monthly income.
The total payment will be 25% of their gross monthly income would be $836 - 961 - over.
What is meant by gross monthly income?Your gross monthly income is simply your monthly revenue before any deductions for taxes and other expenses. Alternatively, it is equal to your annual income divided by 12. Your monthly gross income is your complete revenue before any withholdings.
Calculate how much money you make each month in order to determine your personal monthly gross income. Your take-home pay or the payment you get straight from your employer will probably be different from this.
The total amount of money you made in a given time period before any deductions or taxes are taken out is your gross income, which may be viewed on a pay stub. Also, your year-end W2 or 1099 will show your entire gross income.
A different way to figure out your gross income is to multiply your hourly pay rate by the number of hours you'll work in a given month, or by your monthly salary before taxes.
Gross income is the total amount generated before to tax and other deductions. The gross salary and take-home pay are typically listed on an employee's pay check . You should also provide any additional revenue sources, gross rather than net, if applicable.
The total payment will be 25% of their gross monthly income would be $836 - 961 - over.
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Answer:
Part 1: $836
Part 2: $961
Part 3: over
Explanation:
Did the assignment and got it right. Hope this helps :)
What is the purpose of a value proposition in marketing?
A company's value proposition aims to persuade stakeholders, investors, or customers that its offerings are desirable.
What does a value proposition serve as?a value promise a succinct statement that encapsulates the main advantages or value for the intended audience. It explains why consumers should purchase a product, why donors should make a contribution, or why potential workers should be interested in working for a company.
A value proposition is what?a marketing or business statement that a corporation employs to enumerate the benefits of a product or service for consumers. the method by which you give a customer a distinct impression of a good or service.
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which column best describes the characteristics associated with strategic plans? a b c given your knowledge of organizational plans, which type of plan is described in column c? tactical operational strategic
Strategic plans are described in Column A, practical plans in Column B, and tactical plans in Column C.
What is astrategic plan?Level 1: strategicLevel 2: OperationalLevel 3: TacticalColumn B: Operational plansHigh-level plans are called strategic; middle-level plans are called operational; and low-level plans are called tactical. These operational plans are then broken down for daily and routine business activities.
Leaders of an organisation define their future vision and determine their organization's aims and objectives through the process of strategic planning. Establishing the order in which these objectives should be accomplished will help the organisation achieve its stated vision.
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Rest of the question is,
The table contains the characteristics of different types of organizational plans. Use your knowledge of organizational plans to answer the questions about the table. A с Characteristic Set by Time frame Focus Scope B Board of directors, top management Upper, middle management Middle, lower-level managers Long-range Intermediate Short-range Sources of competitive advantage Strategic business units Departmental activities General Somewhat specific Specific and concrete Given your knowledge of organizational plans, which type of plan is described in column B? Tactical Strategic Operational Given your knowledge of organizational plans, which type of plan is described in column B? Strategic Tactical Operational Which column best describes the characteristics associated with operational plans? OA B
If enforcement is aimed at buyers of an illegal good, the:
a. price falls and quantity bought increases.
b. price rises and quantity bought decreases.
c. price and quantity bought increase.
d. price and quantity bought decrease.
e. price change is uncertain and quantity bought decreases.
If enforcement is aimed at buyers of an illegal good, then the option (b) price rises and quantity bought decreases.
Enforcement is a crucial aspect of law enforcement and is used to deter people from engaging in illegal activities.
To see why this is the case, consider the basic principles of supply and demand. When enforcement is increased, the risk of being caught and punished for buying an illegal good increases.
As a result, the demand for the illegal good decreases, and the demand curve shifts to the left.
In summary, enforcement aimed at buyers of an illegal good has the effect of decreasing demand and increasing the price of the good.
This is because buyers are less willing to purchase the good due to the increased risk of being caught, while sellers continue to have an incentive to sell the good.
The result is a decrease in quantity bought and an increase in price.
Hence the correct option is (b).
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What is a total asset turnover?
A total asset turnover or simply an asset turnover basically defines the revenue generated by a company against the value of their assets.
The total asset turnover or the asset turnover ratio basically measures the revenues generated by the company or the value of a company's sales as compared to the value of its particular assets. The asset turnover ratio is basically used as an indicator of the amount of efficiency with which a particular company is utilizing its assets in order to generate revenue.
The higher will be the asset turnover ratio, the more will be the efficiency of a company in generating the required revenue from its own assets. Similarly, if a particular company has a very low asset turnover ratio, it happens to indicate that the company is not using its assets properly.
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When a nation exports a good, its surplus increases, and when it imports a good, its surplus increases.a) consumer; consumerb) producer; producerc) producer; consumerd) consumer; producere) total; producer
Option d: When a nation exports a good, its consumer surplus increases, and when it imports a good, its producer surplus increases.
Importing goods increases both producer surplus and total national surplus.
Surplus is the amount of resources or goods available compared to the amount actually used. Income, earnings, capital, and products are just a handful of the many items that may be considered surplus. Unsold inventory on the shelves is called surplus.
When you cover your expenses and get your income, you end up with a budget surplus. Governments can also have a budget surplus if additional tax revenue remains after all programs are fully funded.
Having extra stuff is not always a good thing. For example, a manufacturer that overestimates future demand for a particular product may produce an excessive number of unsold units.
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Complete question:
When a nation exports a good, its ________ surplus increases, and when it imports a good, its________ surplus increases.
A) consumer; consumer
B) producer; producer
C) producer; consumer
D) consumer; producer
E) total; producer
If you have student loans that charge you 5% interest per year, and a credit card balance that charges you 19% a year, which is financially smarter to pay off first? A.Credit Card Balance B.Student Loan
From a purely financial standpoint, it's generally smarter to pay off the credit card balance first.
This is because credit card interest rates are typically much higher than student loan interest rates, and the longer you carry a balance on your credit card, the more interest you'll accumulate.
Paying off the credit card balance first can save you a significant amount of money in the long run, as you'll avoid paying high interest charges. Once the credit card balance is paid off, you can then focus on paying off your student loans.
Of course, it's also important to consider your overall economist financial situation when deciding which debt to pay off first. For example, if you have a limited amount of money to put towards debt repayment each month, it may make more sense to focus on your student loans first if the payments are due soon or if you are at risk of defaulting.
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what is money multiplier formula
The money multiplier is a formula used to determine the maximum amount of new money that can be created through the fractional reserve banking system.
It is calculated using the following formula:
Money Multiplier = 1 / Reserve Requirement
In this formula, the reserve requirement is the percentage of deposits that banks are required to hold in reserve, as determined by the central bank. For example, if the reserve requirement is 10%, the money multiplier would be 1/0.10, or 10. This means that for every $1 held in reserve, the bank can create up to $10 in new loans, which in turn can be deposited into the banking system and used to create even more new loans.
It is important to note that the money multiplier is a theoretical concept and does not always accurately reflect the actual amount of new money that is created in the economy. This is because banks do not always loan out their entire excess reserves, and other factors such as consumer behavior and government policies can also impact the amount of new money that is created. Nonetheless, the money multiplier formula remains an important tool for understanding how the fractional reserve banking system works and how it can impact the money supply.
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what were the major environmental and human implications of the fur trade in north america
The fur trade result-ed in many long term effects that negatively impact-ed Native people through-out North America, such as starvation due to severe-ly depleted food resources, depend-ence on European and Anglo-American goods, and negative impacts from the intro-duction of alcohol-which was often ex-changed for furs.
The local impact of fur farms leads to the degra-dation of land, rural life, property values and eco-nomic activities. Plus, waste run-off seeps into soil and water-ways, causing severe damage to local eco-systems. Indians were the primary agents in the North American comm-ercial fur trade. It was they who hunt-ed the animals, and trans-ported and traded the pelts or skins to European inter-mediaries.
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if shoes are a labor-intensive product that bangladesh exports, then the heckscher-ohlin theory predicts that bangladesh is a. a capital abundant country. b. an energy abundant country. c. a labor abundant country. d. a land abundant country.
The heckscher-ohlin theory predicts that bangladesh is a labour abundant country. Option C is correct.
Labor-intensive product on bangladesh exports.The Heckscher-Ohlin hypothesis contends that the kind of goods a nation will create and export depends on its factor endowments, which include its labor, capital, land, and other resources.
Bangladesh may have an abundance of labor compared to other production factors if it exports labor-intensive goods like shoes. Thus, the right response is (c) a country with a plentiful work force.
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Assume that bologna is an inferior good. Suppose consumer incomes are declining due to the recession, and, at the same time, firms are seeing an increase in the production costs of producing this lunch meat. Draw a supply and demand diagram. Also, write WHY the curve (or curves) is (are) shifting based on the shift factors for demand and supply. What is happening to the equilibrium price and quantity? Remember the concept of ceteris paribus.
A decline in income causes the demand curve for bologna to shift to the left, while an increase in manufacturing costs causes the supply curve to do the opposite.
If bologna is a lower-quality item, a drop in consumer spending will produce a rightward shift in the demand curve as people choose bologna over more costly meats. The supply curve will also move to the left as manufacturing costs rise. Both the equilibrium price and the amount of bologna will decline as a result of the interaction between these two movements. These changes take place ceteris paribus, provided that all other variables stay the same. As a result, the equilibrium quantity and price will change until a new equilibrium is established in which the quantity of bologna that customers want and the quantity that businesses are willing to supply at a reduced price are equal.
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accrued revenues and expenses will cause differences between the statement of cash flows and the income statement. this statement is : true/false
TRUE: The statement of cash flows as well as the income statement will change due to accrued revenues and expenses.
Explain the impact of accrued revenues and expenses?Revenues and expenses that have already occurred but for which cash and cash equivalents have not yet been exchanged are referred to as accumulated revenues and accrued expenses.
No cash flows were produced because no cash transactions have been transferred. Because no cash or financial equivalents have been exchanged, recorded revenues and costs have no effect on cash flow. The cash flow for the disputed amounts does affect a cash flow statement, it does so through adjustments to accounts payable and receivable rather than actual accruing revenues and expenses. There is no cash received on until interest receivable is paid, and even then, it is only tangentially related to the initial accrued revenue.Thus, the statement of cash flows as well as the income statement will change due to accrued revenues and expenses is a correct statement.
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Which forecast error measure provides an error percentage?
A.MD
B.MAD
C.MAPE
D.MSE
An error percentage is provided by the MAPE forecast error metric. The forecast error is the difference between the actual and the projected values for a given period.
MAPE, which is the average of the total of all the percentage errors for a given set of data without respect for a sign, is one of the most widely used relative error metrics. Hence, option c.) is correct.
Forecast error can be categorized using both standard and relative error metrics. Errors are often provided via standard error measures in the same units as the data. Relative error measurements are percentage-based and help management better comprehend the forecast's accuracy.
Forecast error tools include bias, mean absolute deviation (MAD), and tracking signal.
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1. His company makes professional-quality products that are accessible to the recreational angler.2. The company wants to provide a chance for every person to reach his or her highest fishing potential without sacrificing their retirement savings to do it.3. To grow the company by 50% over the next five years4. Her department plans to introduce 10 revolutionary new lures to the company's already exciting lineup of products over the next two years.5. Project managers have the designs complete now and are working to streamline the production tools to maximize efficiencies and thus bring costs down.
The company produces professional-quality products that are affordable to recreational anglers.
The company aims to help individuals achieve their maximum fishing potential without compromising their retirement savings.
What are professional-quality products?Generally, The company aims to increase its growth by 50% in the next five years.
The department plans to introduce ten innovative lures to the current product line within two years.
Project managers have completed the designs and are working to improve production efficiency to reduce costs.
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martin industries had unadjusted cost of goods sold of $450,000. overhead was underapplied by $30,000. adjusted cost of goods sold is ______.
Martin industries had an unadjusted cost of goods sold of $450,000. Overhead was under applied by $30,000. The adjusted cost of goods sold is of Martin industries is $4,80,000.
What do you mean by Cost of goods sold?Costs of Goods Sold (COGS) express the expenses implied into producing your goods over a certain period of time. The formula for COGS is: COGS = Opening inventory + purchases – closing inventory.
The direct costs related to the production process are included in the unadjusted cost of goods sold. It does not, however, take into consideration how inventory levels have changed over time. Instead, it simply includes the costs related to manufacturing things during that time. There are no complicated computations involving inventory in the unadjusted COGS.
Therefore, The adjusted cost of goods sold is of Martin industries is $4,80,000.
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why have national advertisers become more sensitive to the concerns of minorities and women in their advertising?
A.they represent sizable target markets
B.of pressure from watchdog groups C. Both are correct
National advertisers have become more sensitive to the concerns of minorities and women in their advertising because of of b. pressure from watchdog groups
Watchdog organizations have contributed to an increase in national advertising awareness of the requirements of women and underrepresented groups in their advertising. These groups include prime entities like women organizations, that have long pushed for more considerable diversity and representation in advertising. These watchdog organisations have increased awareness of the negative impacts of negative stereotypes and the underrepresentation of women and minorities in advertising through public campaigns, and other forms of lobbying.
National advertisers are currently being pushed to enhance their advertising strategies and raise their awareness of these issues. Some of them have also attempted to diversify and involve more individuals in their advertisements in response to this criticism. This entails using models and performers who are more varied in their advertising, communicating in a style that is more friendly to all people, and refraining from insulting stereotypes that could feed unhelpful assumptions.
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when jack and fred, members of the same team, completed five years at their company, they received separate congratulations letters from their manager. when jack and fred compared their letters, they observed that apart from the date, inside address, and salutation, the bodies of the letters were identical. from this scenario, it can be concluded that the letters sent to jack and fred were .
Answer:
Pre-Written
Explanation:
When company's give out letters they tend to use ones that were created a long time ago and give it to everyone.
a manufacturer used $68,000 of indirect materials in production. the journal entry to record this transaction includes a: multiple choice credit to raw materials inventory for $68,000. credit to work in process inventory for $68,000. credit to factory overhead for $68,000. debit to work in process inventory for $68,000. debit to raw materials inventory for $68,000.
The journal entry to record this transaction includes a debit to work in process of $68,000.
What is journal entry?A journal entry is a record of a transaction or an event that has occurred in a business. It is a way for a company to keep track of its financial transactions and to ensure that its books are accurate. The journal entry is typically made in a book or a computer program called a journal. The entry includes the date, the account or accounts affected, and the amount of the transaction. It is used to document the company's financial history and to provide a clear record of all transactions. Journal entries are an important part of the accounting process and are used to prepare financial statements, balance sheets, and income statements. They are also used to help auditors verify the accuracy of a company's financial records.
The journal entry is as follows:
Work in process A/c Dr $68,000
Factory overhead A/c Dr $6,000
To Raw material A/c $74,000
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A recession has traditionally been defined as a period during which:_______
A recession is often characterised by two consecutive quarters of real GDP drop.
A recession is a general economic decline in a country followed by two consecutive quarters of losses. The most important indicator of economic decline is real gross domestic product (GDP). However, the National Bureau of Economic Research (NBER) points out that real GDP should not be viewed as the sole indicator of a country's recession.
The NBER defines a recession as a period between peaks and troughs in the business cycle in which a significant decline in economic activity spreads across the economy. The NBER's Business Cycle Dating Commission describes a recession as "a significant decline in economic activity that spreads across the economy, lasts for months or more, and is usually manifested in production, employment, real incomes, and other indicators. ” is defined.
An expansion starts at the trough (or trough) of a business cycle and lasts until the next peak, while a recession starts at that peak and lasts until the next trough.
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over a recent 20 year period, what percent of pros investing in large companies beat the market?
The response might alter how you approach investment. Reaction: While only 6% of investment professionals outperformed the market, 94% underperformed (see below).
What would you say is investment?
A purchase undertaken with the intent to generate income or appreciate in value is referred to as an investment. Appreciation is the process by which an asset's value increases over time. When someone purchases something as an investment, they don't want to utilise it right away to make money; they want to use it later.
To invest your money wisely and perhaps expand your fortune, you need open an investment account. The major factors contributing to investing's increased growth potential are compounding's efficiency and the risk-return trade-off.
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the management activity of _____ includes specifying how to achieve established goals.
Planning is a managerial function that includes defining how to accomplish predetermined objectives.
Market planning is the process of organising and describing a company's marketing objectives and compiling tactics and plans to achieve them. A solid marketing plan should outline the company's value proposition, specifics regarding its target market or customers, a comparison of where its competitors are in the market, promotion strategies, distribution channels, and a budget set aside for the plan. The relevant teams inside the company should review the marketing plan. A marketing plan, which is a useful document, describes an organization's advertising strategy for generating leads and reaching its target market.
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three special case patterns of dividend growth include _____.
Three special case patterns of dividend growth include perpetual growth, variable growth and accelerated growth.
1. Perpetual Growth: Perpetual growth occurs when a company's dividends remain the same from one period to the next. This is a sign of the company's stability and willingness to consistently pay dividends.
2. Variable growth: Variable growth occurs when a company's dividend payments fluctuate from one period to another. This type of growth is common in companies with volatile earnings and cash flows.
3. Accelerated Growth: Accelerated growth occurs when a company's dividend payouts increase faster than earnings. This type of growth is usually seen in companies that are expanding rapidly or have large amounts of cash available for dividends. Investors seeking higher dividend payouts may be more interested in companies with accelerated growth.
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how is phylicia rashad net worth
Phylicia Rashad net worth is $25 million. Phylicia Rashad is an Ameri-can Tony Award win-ning actress and singer. Phylicia's net worth has grown rapid-ly over the pa-st few years.
Phylicia Rashad is probab-ly best known for her perform-ance as Clair Huxtable on the hit NBC sit-com "The Cosby Show." Later, she re-teamed with Bill Cosby to play Ruth Lu-cas on the CBS sitcom "Cosby." Rashad has appear-ed in numerous movies and on Broad-way, including in "Into the Woods," "Jelly's La-st Jam," "Cat on a Hot Tin Roof," and "A Rai-sin in the Sun," for whi-ch she won a Tony Aw-ard.
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A home has an outdated bathroom, which can be remedied at a cost of $12,000. After the bathroom is updated, the value of the home will increase from $214,000 to $225,000. What type of depreciation is this?
Depreciation of Production Units
Each unit produced under the units of production approach has an identical expense rate assigned to it.
It works best in situations where an asset's worth is determined more by how many units it produces or how much it is utilised than by how long it lasts. The calculation is made by multiplying the expense by the quantity of units generated during the accounting period.
His approach works best for organisations that prioritise production and have assets whose output varies depending on demand.
Depreciation is calculated as follows: (asset cost - salvage value)/estimated units during the item's lifetime x actual units produced
Depreciation calculation Using the Digit Sum of the Years The formula for this calculation is (remaining lifetime/SYD) x (asset cost - salvage value), where SYD is the sum of all the lifespan years.
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What methods can be used to dispose of underapplied or overapplied manufacturing overhead? (Select all that apply)a. Allocate it to Raw materials, Work in process, and Finished goods.b. Close it to Cost of goods sold.c. Allocate it to Work in process, Finished goods, and Cost of goods sold.d. Close it to Finished goods.e. Close it to Work in process.
Closing it out to the Cost of goods sold and allocating it among Work in process, Finished goods, and Cost of goods sold were the methods that can be used to dispose of underapplied or overapplied manufacturing overhead.
What is Over-Applied Overhead?
Overhead expenses must be allocated to each job since they are spent during the production process and help produce inventories. Inventory costs are adjusted instantly in a perpetual inventory system. As a result, management must distribute all incurred overhead expenses to each job immediately rather than waiting until the conclusion of the current month. Instead, management must budget for future overhead costs and forecast where they will be incurred throughout the production cycle. By predicting a specified overhead rate, it is possible to divide expenses between jobs and departments in this procedure. The estimated expenses and the actual expenditures incurred are compared at the end of the time period.
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The six sigma dmaic approach is the best way to attack all problems and should be employed whenever possible.a. Trueb. False
False. While there are other tools available, the Six Sigma DMAIC technique is a problem-solving methodology used to enhance processes and decrease faults.
A statistical method known as sigma is used to quantify the spread or variability within a particular collection of data. The average of the squared deviations from the mean, or variance, is taken into account in its calculation. In order to find outliers and other patterns in data sets, Sigma is a frequently used tool in data analysis. Other problem-solving strategies may be more suitable depending on the nature of the issue. A technique like Lean Six Sigma, which emphasises client value, might be used, for instance, if the objective is to improve customer service.
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what is was the commerce act part of the national grange movement apush
The Grange, also known as the Patrons of Husbandry, was established in 1867 as a part of the national grange movement.
The Grange, formerly known as the Patrons of Husbandry, was a group established in the late nineteenth century to help farmers with the different issues they encountered. The Grange was established in 1867 by Oliver H. Kelley, a worker for the Department of Agriculture.
Oliver Hudson Kelley's journey through the South to study the post-Civil War agricultural condition led to the establishment of "The Grange" in 1867. Kelley and six other people founded the group after realising the need for a social and economic organisation to better the situation of farmers.
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Which type of commercial formula requires dilution with equal parts water?oReady-to-feedReady-to-feed formula does not require dilution; it comes premixed and is ready to use.CorrectoConcentrateConcentrate formula requires dilution with equal parts of formulaand water.oPowderPowder formula requires mixing of 2 oz of water with every scoop of formula
The correct option is B, commercial formula requires dilution with equal parts water is type of Concentrate. Concentrate formula requires dilution with equal parts of formula and water.
A commercial formula is a specific recipe or formula used to produce a commercial product. It is a set of instructions that includes the exact proportions of each ingredient needed to make a product consistently, efficiently, and cost-effectively. These formulas are typically created for products that will be mass-produced, such as food items, cleaning products, and personal care items.
The ingredients used in commercial formulas are carefully chosen to ensure the final product meets specific standards for quality, consistency, and shelf life. The formula may also include details on the manufacturing process, including equipment specifications and temperature requirements. The goal of a commercial formula is to produce a product that meets all regulatory requirements while maximizing efficiency and minimizing costs.
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Complete Question: -
Which type of commercial formula requires dilution with equal parts water?
A. Ready-to-feed. Ready-to-feed formula does not require dilution; it comes premixed and is ready to use.
B. Concentrate. Concentrate formula requires dilution with equal parts of formula and water.
C. Powder. Powder formula requires mixing of 2 oz of water with every scoop of formula.
D. Hydrolysate formula. Hydrolysate formula is a category of infant formula that may be available as ready-to-feed, concentrate, or powder. Preparation ofthis formula should follow the instructions on the container.
the fact that it'll take cardi ~64 months (5 years and 4 months!) to pay this thing off stresses her out. cash is tight though, and she can't dedicate any more than $400 to her monthly payments. she really really wishes she was out of debt in 3 years though. what's a girl to do? this is where you get an idea - what if cardi called her credit card company and requested an interest rate low enough to pay off the balance in 3 years? what interest rate does cardi need to get, in order to accomplish this goal?
Cardi needs an annual interest rate of 6.76% to get, in order to accomplish this goal, to get out of debt in 3 years.
What do you mean by the interest rate?The interest rate is the amount you pay for borrowing money and is expressed as a percentage of the entire loan amount if you are a borrower. With the help of an interest rate, you can determine how much borrowing will cost you and how much saving will yield. The nominal rate of interest, the effective rate, and the real rate of interest are the three primary categories of interest rates. Simply put, the stated rate on which interest payments are computed is the nominal interest on a loan or investment.
Given:
Amount 13000
Payment -400
Number of periods 35
Monthly rate 0.56%
Annual rate 6.76%
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The complete question is:
Let's come back to the starting payment scenario again:
Present Value 13,000
PV Payments -400
PMT Future Value FV
Annual Rate% 29 RATE
Periods 64.45 PERIOD
Compounding Monthly The fact that it'll take Cardi ~64 months (5 years and 4 months!) to pay this thing off stresses her out. Cash is tight though, and she can't dedicate any more than $400 to her monthly payments. She really really wishes she was out of debt in 3 years though. What's a girl to do? This is where you get an idea - what if Cardi called her credit card company and requested an interest rate low enough to pay off the balance in 3 years? What interest rate does Cardi need to get, in order to accomplish this goal?