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Home loans typically involve “points,” which are fees charged by the lender. Each point charged means that the borrower must pay 1% of the loan amount as a fee. For example, if the loan is for $180,000 and 4 points are charged, the loan repayment schedule is calculated on a $180,000 loan but the net amount the borrower receives is only $172,800. Assume the interest rate is .75% per month. What is the effective annual interest rate charged on such a loan, assuming loan repayment occurs over 264 months? (Do not round intermediate calculations. Enter your answer as a percent rounded to 2 decimal places. Use a financial calculator or Excel.)
Companies always face budget constraints, preventing them from offering every possible benefit. Identify one accommodation and enhancement benefit that you believe is most important and another that you believe is least important.
Virtually any TV show, movie, or song can be downloaded for free on the Internet. Most of this material is copyrighted and was very expensive to produce. Most of it is also available for a fee through such legitimate sites as iTunes. What is your eth..
The three levels of moral development are pre-conventional, conventional, and principled. Identify and describe the three levels in the six stages of moral development.
1 why would a company decide to franchise abroad?2 what advantages would a foreign trade zone represent for an
One of the products that Company W makes is snack foods. The research and development department of Company W has developed a new formula for one type of snack food that is cheaper to make than the current formula.
Insight Communications Promotes employees with good technical skills into supervisory positions and then teaches them leadership skills.
Compare equipment maintenance strategies in product and process layouts.
As an American, how would you handle/manage a passive-aggressive negotiation with the Chinese? How can applying the above characteristics of American negotiators and the attached Chinese negotiations techniques become a pro and cons during a negotiat..
Explain why, given the advantages of international diversification, some firms choose not to expand internationally. As firms attempt to internationalize, they may be tempted to locate their facilities where product liability laws are lax in testing ..
How should quality be defined at this restaurant? Explain what quality attributes would each of the following stakeholders look for/expect: the external customers (the diners), the cook, Ivan and the restaurant’s management? What are the restaurant's..
Describe the steps in making sure that flights take off on time for an airline. Describe the different steps that must occur for an on-time plane departure. For example, how does the airline make sure that the plane is properly fueled on a timely ..
a project has an expected duration of 34 weeks with a critical path variance of 6. suppose the project network is given
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