Evaluate the ethical and financial implications of real-world payment practices.

1.2 Discussion: Course Preparation Material and ConnectGetting StartedThis discussion forum encourages you to explore the abundance of supplemental resources linked directly into this course or provided to you through external sources, such as Connect. These resources are designed to help ensure you will have every opportunity to succeed regardless of your past experience with accounting, finance, or Excel.Upon successful completion of this discussion, you will be able to:Access the assignments and student resources, supplemental materials, and learning technology support items.Evaluate what resources would be most beneficial to success in the course.ResourcesBackground InformationStudents come into this course with widely varying levels of comfort and experience with accounting, finance, and Excel. This course seeks to strike a balance. Those who are already proficient with the fundamentals will have an opportunity to stretch themselves further and prepare for more complex topics in the future. Those who need more assistance are provided with an extensive library of helpful aids to ensure they too can achieve their learning goals. These resources are offered merely as helpful guides, with no points attached, to enable you to do your best.This assignment helps you identify resources that will aid you in achieving the learning goals of the course. You will explore both the course and Connect. Then you will share three resources you uncovered that you feel will be particularly valuable to you and your classmates. After you have made your post, be sure to check back to see what resources others have found, as they may be helpful to you as well.InstructionsYou will earn 10 points upon successful completion of the following tasks:Access your eBook and Connect assignments through Connect in the table of contents.Select Connect in the Table of Contents.Select McGraw Hill Deep Integration.Select Go to my Connect Section.If you need Connect registration assistance, contact McGraw-Hill Tech Support at 800-331-5094 or at www.mhhe.com/support. Direct any issues with Connect to Connect Tech Support first and then your instructor if there is no resolution.Once you have entered your Connect course, be sure to select the “Library” tab in your Connect course where you can find several helpful learning technology support items.Explore the other Assignments in this course, reading each of the assignment instructions for upcoming assignments.As you read, take note of the resources, supplemental materials, or learning technology support items linked to each assignment.As you read, test a few of the resources, supplemental materials, or learning technology support items to see how they work and how they may help you prepare for your assignments as you make progress through the course.Navigate to the threaded discussion and respond to the following:List three resources, supplemental materials, or learning technology support items you discovered, either elsewhere in the course or in Connect that you feel will be particularly valuable to you as you make progress through the course.For each of the three resources, supplemental materials, or learning technology support items that you list, give a short description and explain why you think it will be useful. Provide a click path and screenshot(s) as appropriate to identify where each of the three resources, supplemental materials, or learning technology support items is located so that classmates can find them.This is a Complete/Incomplete assignment. Fulfilling the post requirements as outlined in 7(a) and 7(b) above, listing and explaining three helpful course resources, will result in full credit being awarded.Make your post by the end of the fourth day of the workshop.============================================================1.3 Discussion: Collaboration ForumGetting StartedThis forum is a general collaboration forum that serves as a venue to discuss, interact with, communicate about, and genuinely engage the subject matter of the workshop in order to increase each other’s understanding. Importantly, it provides you with a chance to ask questions about the reading, problems, and anything in general, and so represents another opportunity to get assistance with the course concepts and your assignments.Upon successful completion of this discussion, you will be able to:Receive timely advice and assistance with assignments to help achieve learning objectives.ResourcesTextbook: Analysis for Financial ManagementTextbook: Principles of Accounting: Volume 1, Financial AccountingVideo: Collaboration Forum IntroductionBackground InformationThe purpose of this collaboration forum is for students to work together (collaborate) in an effort to better understand assignments. While this forum is not a place to provide all your answers (it is NOT designed to facilitate cheating), it is intended for you to help each other if someone is struggling with a particular problem. Participate early and often. Ask your question in this forum by providing needed problem details for reference, then move on to work another problem. Later, come back and see if anyone has provided help for you or if you can provide assistance to a classmate.InstructionsThere are no points awarded for this activity. However, you will benefit from completing the exercise, as it will provide helpful academic learning opportunities that correlate with the textbook reading, as well as additional activities that support the topics of both your current and future workshop sessions.Watch the Collaboration Forums Introduction video:Respond by making at least one comment or post that addresses one of the following:Ask a question about this workshop’s assignments.Provide an attempted solution or at least a reference to relevant material in the textbook.Share insights, new understandings, or “ah ha” moments resulting from your reading or work on assignments.Deepen the discussion by raising the application or the implications of a concept presented in the textbook or devotional materials.Post a proposed solution to a question raised by another student and then dialogue about it in this forum, attempting to reach a solution.Your postings should:Clearly state the problem number and problem details as well as the questions that you have.Provide clear questions and proposed answers with evidence of critical thinking by incorporating material from the assigned reading.Add greater depth to the discussion by introducing new ideas or observations.Provide clarification to classmates’ questions and provide insight into the discussion=====================================================================1.4 Discussion: Pay Terms Debate (Initial Post)Getting StartedTo stay in business, a company must manage its cash. Cash is the financial lifeblood of any organization. Cash will inevitably flow in and out of the organization, and understanding where cash comes from and where it goes is important. Poor cash flow is the quickest path to bankruptcy, while strong cash flow can be a significant competitive advantage. Therefore, all of a company’s stakeholders are interested in its cash flow.Upon successful completion of this discussion, you will be able to:Evaluate the ethical and financial implications of real-world payment practices.ResourcesTextbook: Analysis for Financial ManagementTextbook: Principles of Accounting: Volume 1, Financial AccountingWebsite:ConnectFile:Higgins Chapter 1 SlidesFile: Financial Accounting Chapter 1File:Financial Accounting Chapter 2Video: Cash Flow and Working CapitalBackground InformationIn this assignment, you will learn more about cash, which is the most liquid asset of any organization, business, or individual. The concept of cash in itself is not complicated. However, keep in mind a company can be very good at producing accounting profits but poor at generating or managing cash effectively. For example, if a company sells its product by allowing credit but fails to collect payment from its customers, the revenue claimed is ultimately null and void. Simply put, a business that fails to generate cash through its operations will not be able to pay its bills. Investors and creditors will take note and stop providing funding, intensifying the problem.As a customer, businesses must closely manage their cash flow with their suppliers. Accounts payable, the money owed to suppliers, can be a valuable source of cash. When a company lengthens its pay terms with its suppliers, it is equivalent to taking out a short-term loan. By withholding payments, the company will have more cash on hand, and accounts payable will increase. This cash is then available to fund the company’s project and product ideas. However, this same action has the reverse effect on a supplier. Longer pay terms means the supplier will have less cash on hand, its accounts receivable will increase, and it will have less funding to pursue its own projects.Many a small business has died after their bank becomes concerned about operating cash flows and calls in their credit line. Even large, stable businesses must carefully manage their cash to ensure sufficient liquid resources to pay wages, cover expenses, and fund their projects. The discussion in this assignment revolves around the risks associated with managing cash and the implications of a company’s pay term decisions.InstructionsReview the rubric to make sure you understand the criteria for earning your grade.In your textbook, Analysis for Financial Management, read Chapter 1, “Interpreting Financial Statements,” paying particular attention to the review of the cash flow cycle at the beginning of the chapter.In your textbook, Principles of Accounting, read Chapters 1 and 2, “Role of Accounting in Society” and “Introduction to Financial Statements.”Review theFinancial Accounting Chapter 1andFinancial Accounting Chapter 2PowerPoints to help you further understand the chapter concepts.Review Higgins Chapter 1 Slides.Watch the video “Cash Flow and Working Capital”Respond to the following prompts:From the customer’s perspective, what are the financial implications of lengthening supplier pay terms? What are the financial implications from a supplier’s perspective?What are the ethical implications of lengthening supplier pay terms? Is this a legitimate business strategy? Why or why not?Support your position with at least one biblical principle with a specific Bible verse that you feel is relevant to the situation. Explain how and why it applies.Your post should be based on the chapters, as well as other resources that can contribute to the discussion. Use OCLS to search for relevant scholarly sources you can use to support your position.This initial post should be 200–400 words in length and include at least one academic source that is properly cited. Use APA format and include a reference list. Your post is due by the end of the workshop.For questions on APA style, go to OCLS APA Writing Styles Guides.A single post asserting your position is all that is required for this assignment. However, be prepared to defend your position in the following workshop.=========================================1.5 Assignment: Spreadsheet ExercisesGetting StartedThis assignment will give you an opportunity to practice building balance sheets and income statements. You will also complete some basic cash flow calculations. These exercises will help prepare you for deeper analysis and interpretation later in the course.Upon successful completion of this assignment, you will be able to:Understand the terminology and structure of basic financial statements.Use given financial data to construct basic financial statements.Demonstrate the impact of various managerial decisions on financial statements.Interpret financial statements to form conclusions about the financial health of an organization.ResourcesTextbook: Analysis for Financial ManagementTextbook: Principles of Accounting: Volume 1, Financial AccountingWebsite:ConnectFile:Higgins Chapter 1 SlidesFile:Financial Accounting Chapter 1File:Financial Accounting Chapter 2File:Assignment 1.5 WorksheetFile:Financial Statement Practice Problems WorkbookBackground InformationAn organization’s financial statements reflect history. They show the results of past decisions made by the organization’s leaders. We can review those financial statements to help understand the decisions the organization has made and how it operates. Perhaps more importantly, with a good understanding of financial statements, we can gauge the financial strengths and weaknesses of the organization. This understanding is critical information for making decisions about the future. Whether you are a leader in an organization, a potential investor, or simply an employee, it is crucial you know how to read and interpret financial statements.For this assignment, you will complete a series of short exercises designed to help you practice preparing financial statements and to demonstrate your understanding of basic accounting terminology and procedures.InstructionsReview the rubric to make sure you understand the criteria for earning your grade.Review the Higgins Chapter 1 Slides.In your textbook, Analysis for Financial Management, read Chapter 1, “Interpreting Financial Statements.”Review theFinancial Accounting Chapter 1PowerPoint to help you further understand the chapter.In your textbook, Principles of Accounting, read Chapter 2 “Introduction to Financial Statements.”Review theFinancial Accounting Chapter 2PowerPoint to help you further understand the chapter.Study theWorkshop One Practice Problems Workbooktohelp you better understand the processes used to build financial statements.Using the Excel Assignment 1.5 Worksheet,complete all eight of the following problems:Income Statement: Problems 1 and 3Balance Sheet: Problems 2 and 4Cash Flow: Problems 5, 6, 7, and 8Be sure your Excel spreadsheet is prepared in a professional manner, with answers clearly indicated and all your calculations shown. Full credit will not be given if your process for arriving at the answer is not fully displayed, including any intermediate steps.When you have completed your assignment, save a copy for yourself and submit a copy to your instructor by the end of the workshop.====================================================1.6 Assignment: Mini Case StudyGetting StartedMaking informed financial decisions begins with understanding how to use the information available. During this workshop you have become more acquainted with financial statements and how they can be used to support managerial decisions. This mini case presents a common real-life situation: evaluating the strength of an organization to assess whether it is ready for growth.Upon successful completion of this assignment, you will be able to:Use given financial data to construct basic financial statements.Interpret financial statements to form conclusions about the financial health of an organization.ResourcesTextbook: Analysis for Financial ManagementTextbook: Principles of Accounting: Volume 1, Financial AccountingWebsite:ConnectFile:Higgins Chapter 1 SlidesFile:Financial Accounting Chapter 2File:Assignment 1.6 WorksheetBackground InformationIn this workshop, you have learned about the vital nature of cash flow to a company’s survival, much less success. To the surprise and dismay of many business leaders, success and growth often lead to cash flow problems. This is the problem faced by Tad Marks of Sunset Boards. The company is profitable, and demand for its products is quickly growing. As a result, Tad Marks is considering expanding the business and has brought you in as a financial analyst to weigh in on the decision. As a consultant, you will first construct income statements, balance sheets, and a cash flow statement for a company and then attempt to apply your understanding to evaluate the company’s growth plans.InstructionsReview the rubric to make sure you understand the criteria for earning your grade.Review Higgins Chapter 1 Slidesand the Financial Accounting Chapter 2PowerPoints.Using Assignment 1.6 Worksheet, prepare the following financial statements for the mini-case “Financial Statements for Sunset Boards, Inc.”Income Statement for 2018 and 2019Balance Sheet for 2018 and 2019Cash Flow Statement for 2019Tad Marks, the company’s founder, is considering expanding the business, which will require a substantial investment. Evaluate the financial statements you have developed and Sunset Board’s cash flow. In your Excel document or a separate Word document, write a paragraph explaining whether you feel expansion would be a wise choice and why.When you have completed your assignment, save a copy for yourself and submit a copy to your instructor by the end of the workshop.

Construct a 95% confidence interval for the difference in mean deflection temperatures. Explain how this interval confirms your finding in part (b).

The sugar content of the syrup in canned peaches is normally distributed, and the variance is thought to be 218 (mg)2Test the hypothesis that the variance is not 18 (mg)2if a random sample of n = 10 cans yields a sample standard deviation of s = 4 mg, using a fixed-level test with 0.05. State any necessary assumptions about the underlying distribution of the data.-Do part (a) using the 8 steps of rejection region approach. Also, don’t forget to state any necessary assumptions about the underlying distribution of the data.(b) What is the P-value for this test?(c) Find a 95% two-sided CI for(d) Use the CI in part (c) to test the hypothesis.(e) Conduct the same test as in part (a) using Minitab and attach the output.(a) Construct normal probability plots for the two samples. Do these plots provide support of the assumptions of normality and equal variances? Why or why not? Also, attach the Minitab outputs for the normal probability plots.(b) Do the data support the claim that the mean deflection temperature under load for type 1 pipe exceeds that of type 2? Use the 8 steps of the P-value approach with ?=0.05.(c) Conduct the test in part (b) by going through the last 4 steps of the critical region approach. Use ?=0.05.(d) Construct a 95% confidence interval for the difference in mean deflection temperatures. Explain how this interval confirms your finding in part (b).

Explain how aspects of ethics were considered in the decision-making processes of the organization.

The final project for this course is the creation of a case study analysis and strategy proposal. In Milestone Two, submit Section II: Analysis of Social Responsibility and Section III: Ethical Decision-Making of the final project.The purpose of this project is to analyze and critique an organization based on what is expected within a corporate strategy in regard to social responsibility.Prompt: Submit Sections II and III of the final project, which are the analysis of social responsibility and ethical decision making.Specifically, the following critical elements must be addressed:II. Analysis of Social Responsibility. In this part of the project, you will begin your analysis of the case study, examining how the strategy plan of the organization in the case study considers social responsibility. a) Analyze the organization’s strategy plan for compliance with the current acceptable standards or norms relative to social responsibility today. b) Analyze the organization’s strategy plan for any gaps in social responsibility that might be potential risks to internal and external stakeholders. c) Predict the potential positive and negative impacts to internal and external stakeholders regarding social responsibility that would result from the strategy plan. In other words, what might happen to the employees and/or people involved in the company regarding social responsibility from this strategy plan? You could consider both the present and future impacts. d) Critique the evolution of strategy planning related to social responsibility within the organization. In other words, what may have influenced the evolution of strategy planning related to social responsibility unique to this organization? e) Explain how this organization is or is not consistent with regard to social responsibility when compared within its own industry and when compared to outside industries. Be sure to justify your response.III. Ethical Decision-Making. In this part of the project, you will continue your analysis of the case study, examining how the strategy plan of the organization considers ethics in decision-making processes. a) Analyze the organization’s strategy plan for decision-making processes that it employs. In other words, based on the strategy plan, how does the organization make decisions? b) Explain how aspects of ethics were considered in the decision-making processes of the organization. In other words, what were the ethical considerations related to social responsibility in the decisions made by the organization? You could consider the connection between ethics and organizational decision making and how ethics influence those decisions. c) Analyze the organization’s strategy plan for any gaps in the decision-making process that could be considered potential risks to internal and external stakeholders

How did the change in the journal entries affect the net income of the company at year-end?

RoyAkinswas the accounting manager atZelco, a tire manufacturer, and he played golf with Hugh Stallings, the CEO, who was something of a celebrity in the community. The CEO stood to earn a substantial bonus ifZelcoincreased net income by year-end. Roy was eager to get into Hugh’s elite social circle; he boasted to Hugh that he knew some accounting tricks that could increase company income by simply revising a few journal entries for rental payments on storage units. At the end of the year, Roy changed the debits from “rent expense” to “prepaid rent” on several entries. Later, Hugh got his bonus, and the deviations were never discovered.For this week’s discussion, please respond to the questions listed below. In addition to your initial response, please be sure to respond to at least two other students’ initial responses, as well.Required Responses:1. How did the change in the journal entries affect the net income of the company at year-end?The changing of the journal entries affected the net income by the following:2. Who gained and who lost as a result of these actions?This discussion will address the following Module Outcomes:· Apply the fundamental concepts and principles in accounting. (CO #1)· Apply the primary financial accounting equation and its components. (CO #1)· Apply the rules of debit and credit. (CO #1)Post your primary response. Be sure to review your writing for grammar and spelling before posting.Read any postings already provided by your instructor and/or fellow students. See the SBT Discussion Rubric for information on how you will be evaluated on this activity.Remember to read the feedback on your own major postings and reply to it throughout the module.See the rubric for due dates for posts and responses.Evaluation criteriaReview the SBT Discussion Rubric located in the “Start Here” section of the course for more information on grading criteria.

What is the total profit contribution Kelson can earn  with the given production quantities?

Kelson Sporting Equipment, Inc., makes two different types of baseball gloves: a regular model and a catcher’s model. The firm has 800 hours of production time available in its cutting and sewing department, 150 hours available in its finishing department, and 400 hours available in its packaging and shipping department. The production time requirements and the profit contribution per glove are given in the following table: Production Time (Hours) Model Cutting and Sewing Finishing Packaging and Shipping Profit/Glove Regular model 1 1/4 1/6 $5 Catcher’s model 1/2 1/2 1/4 $7 Assuming that the company is interested in maximizing the total profit contribution, answer the following: (a) What is the linear programming model for this problem? If required, round your answers to 3 decimal places or enter your answers as a fraction. Let R = number of units of regular model. C = number of units of catcher’s model. Max R + C s.t. R + C Cutting and sewing R + C Finishing R + C Packing and Shipping R, C 0 (b) Develop a spreadsheet model and find the optimal solution using Solver. How many gloves of each model should Kelson manufacture? Regular Model = units Catcher’s Model = units (c) What is the total profit contribution Kelson can earn with the given production quantities? $

Would a given mean value of $600 be likely, given the calculated confidence interval?

A study of the ages of motorcyclists killed in crashes involves the random selection of 150 drivers with a mean of 37.1 years. Assuming a standard deviation of 12.0 years, construct a 99% confidence interval estimate of the mean age of all motorcyclists killed in crashes?A university surveys 36 randomly selected students and asks the number of dollars spent on textbooks/supplies during the academic year. The results (in dollars) are shown below:425 78 53 699 663 282845 373 161 22 853 653366 806 920 562 828 931641 134 916 38 379 90388 894 654 639 916 284700 684 600 425 717 822Use Excel to construct a 90% confidence interval for the mean dollars spent.Would a given mean value of $600 be likely, given the calculated confidence interval?

Discuss how the security principles of deception and separation can be applied at the national level to protect against attacks from hostile foreign nations.

Recently, the Pentagon has concluded that computer sabotage coming from another country can constitute an act of war. The pentagon’s first formal cyber strategy, unclassified portions of which became public in June of 2011, represents an early attempt to grapple with a changing world in which a hacker could pose a significant threat to U.S nuclear reactors, subways or pipelines from a hostile country’s military. Recent cyber-attacks on the Pentagon’s systems by another foreign country have given new urgency to U.S efforts to develop a more formalized approach to cyber-attacks.Read more https://www.judiciary.senate.gov/imo/media/doc/08-21-18%20Lewis%20Testimony.pdfIn this week, you learned about the security principles of deception and separation.Discuss how the security principles of deception and separation can be applied at the national level to protect against attacks from hostile foreign nations. Identify the four stages of deceptions and how this can employed at the national level. Also, in discussing the concept of separation, ensure to identify how the concept of separation would be different in the context of national infrastructure protection. Please provide examples to support your discussion.Please make sure this is of 300 words and with no plagiarism in APA format with references.

Determine the annual percentage yield for bank? A’s money market account.

INTEREST8.Elisa needs money to repair her home air? conditioner, so she pawns her bicycle. The pawnbroker loans Elisa $270. Ten days? later, Elisa gets her bicycle back by paying the pawnbroker $280.50. What annual simple interest rate did the pawnbroker charge? Elisa? Assume 360 days in a year. The pawnbroker charged Elisa a simple interest rate of what %?9.A partial payment is made on the date indicated. Use the United States rule to determine the balance due on the note at the date of maturity.? (The Effective Date is the date the note was? written.) Assume the year is not a leap year.Principal: 4,000 Rate:5% Effective date:May 1rst Partial payment: 2,000 on June 1rst Maturity date:July 1rstThe balance due on the note at the date of maturity is ?How many dollars?10.Determine the effective annual yield for? $1 invested for 1 year at 7.3?% compounded quarterly.The effective annual yield is what ?%?11.Bank A advertises a money market account that pays 1.9%compounded quarterly. Bank B advertises a money market account that pays 1.8%compounded daily.?a) Determine the annual percentage yield for bank? A’s money market account.?b) Determine the annual percentage yield for bank? B’s money market account.?c) Assuming all other factors are? equal, which? bank’s money market account would be the better? investment?12.Suppose you saw a sign at your local bank that? said, ?”6.3?%rate compounded quarterly–6.6?%Annual Percentage Yield? (APY).” Is there anything wrong with the? sign? Explain.Select the correct choice below? and, if? necessary, fill in the answer box to complete your choice.A.Yes. The APY is incorrect. The correct APY is what ?%??(Round to the nearest hundredth as? needed.)B.Yes. The number of compounding periods is incorrect. Interest should be compounded daily.C.No. The information on the sign is correct.12.A village recently completed the construction of a new water tower. The entire cost of the water tower was ?$948,000?,and the government paid ?$370,000of the total cost through the awarding of a grant. In? addition, the village can delay paying the balance of the cost for 30years? (without paying any interest during the 30?years). To finance the? balance, the village board will at this time assess its 674homeowners a? one-time flat fee surcharge and then invest this money in a 30?-yearCD paying 6.2?%interest compounded monthly.?a) What is the balance due on the water? tower?13.A simple formula can help you estimate the number of years required to double your money.? It’s called the rule of 72. You simply divide 72 by the interest rate? (without the percent? sign). For? example, with an interest rate of? 4%, your money would double in approximately 72÷?4,or 18 years.?a) How many years would it take ?$1000to double at an interest rate of 2?%?Installment Loans1.Determine the monthly payment for the installment loan.Amount Financed:700$?, Annual Percentage Rate:7.5%?, Number of Payments per Year:12?, Time in Years: 1?The monthly payment is ?how much $?2.Landon Wallin is an auto mechanic who wishes to start his own business. He will need ?$4600to purchase tools and equipment. Landon decides to finance the purchase with a 36?-monthfixed installment loan with an APR of 4.5?%.?a) Determine? Landon’s finance charge.?b) Determine? Landon’s monthly payment.3.Travis Thompson uses his credit card to obtain a cash advance of? $600 to pay for his textbooks in medical school. The interest rate charged for the loan is 0.04203?%per day. Travis repays the money plus the interest after 30days.?a) Determine the interest charged for the cash advance.?b) When he repaid the? loan, how much did he pay the credit card? company?4.Jamie needs a new roof on her house. The cash cost is ?$6000.She decides to finance the project by paying 15.0?%?down, with the balance paid in 24monthly payments of ?$234.?a) What finance charge will Jamie? pay??b) What is the APR to the nearest half? percent?5.Ray Flagg took out a? 60-month fixed installment loan of? $12,000 to open a new pet store. He paid no money down and began making monthly payments of?$221.?Ray’s business does better than expected and instead of making his 30th ?payment, Ray wishes to repay his loan in full. a) Determine the APR of the installment loan.APR=what percent?6.Shiing Shen? Chern’s credit card company determines his minimum monthly payment by adding all new interest to? 1% of the outstanding principal. The credit card company charges an interest rate of 0.043028% per day. On March 17?, Shiing uses his credit card to purchase airline tickets for his family for $3900. He makes no other purchases during March. Use the given information and the rule that minimum payments are rounded up to the nearest dollar to answer part a.a) Assuming Shiing had no new? interest, determine? Shiing’s minimum payment due on April? 1, his billing date.?Shiing’s minimum payment due on April 1 is ?what amount?7.On the April 3billing? date, Michaelle Chappell had a balance due of $950.02on her credit card. From April 3through May 2?,Michaelle charged an additional $266.69and made a payment of $600.?a) Find the finance charge on May 3?,using the previous balance method. Assume that the interest rate is 1.8%per month.?b) Find the new balance on May 3.8.The balance on Ramon? Felipe’s credit card on January 11?,his billing? date, was $238.49.For the period ending February 11?,Ramon had the following transactions to the right.?a) Find the average daily balance for the billing period.?b) Find the finance charge to be paid on February 11.Assume an interest rate of? 1.2% per month.?c) Find the balance due on February 11January 20?Charge:Restaurant meal?$40.51January 27Payment?$100.00February 5?Charge:Lawn ornaments?$36.89February 6?Charge: Microwave oven?$196.849.On September 6?,the billing? date, Verna had a balance due of ?$566.95on her credit card. Assume that the interest rate is? 1.1% per month. Suppose that? Verna’s bank uses the average daily balance method. Sept. 8Payment?$280.00Sept. 23?Charge: Airline ticket?$329.00Sept. 25?Charge: Hotel bill?$191.52Oct. 2?Charge: Clothing?$84.64Determine? Verna’s average daily balance for the billing period from September 6to October 6.The average daily balance for the billing period was how much?Mortgages1.Determine the monthly principal and interest payment for a 15?-year mortgage when the amount financed is ?$65,000 and the annual percentage rate? (APR) is 5.0?%.The monthly principal and interest payment is what amount?2.Anna is buying a house selling for ?$295,000.To obtain the? mortgage, Anna is required to make a 20?%down payment. Anna obtains a 25?-yearmortgage with an interest rate of 4?%.?a) Determine the amount of the required down payment.?b) Determine the amount of the mortgage.?c) Determine the monthly payment for principal and interest.3.The Nicols are buying a house selling for ?$435,000.They pay a down payment of ?$35,000from the sale of their current house. To obtain a 20?-yearmortgage at a 6.5?%interest? rate, the Nicols must pay 1.5points at the time of closing.?a) What is the amount of the? mortgage??b) What is the cost of the 1.5?points?4.The? Adeeva’s gross monthly income is ?$6900.They have 18 remaining payments of $210on a new car. They are applying for a 30?-year,?$223,000mortgage at 7.5?%.The taxes and insurance on the house are ?$400per month. The bank will only approve a loan that has a total monthly mortgage payment of? principal, interest, property? taxes, and? homeowners’ insurance that is less than or equal to? 28% of their adjusted monthly income.?a) Determine? 28% of the? Adeeva’s adjusted monthly income.?(Round to the nearest? cent.)5.Laura and Martin obtain a 30?-year,?$160,000conventional mortgage at 8.5?%on a house selling for ?$200,000.Their monthly mortgage? payment, including principal and? interest, is ?$1230.40.?a) Determine the total amount they will pay for their house.?b) How much of the cost will be? interest??c) How much of the first payment on the mortgage is applied to the? principal?6.The Bells obtain a 25?-year,?$110,000conventional mortgage at a 9.0?%rate on a house selling for ?$150,000.Their monthly mortgage? payment, including principal and? interest, is ?$924.00.They also pay 3points at closing.?a) Determine the total amount the Bells will pay for their house.?b) How much of the cost will be interest? (including the 3?points)??c) How much of the first payment on the mortgage is applied to the? principal?7.Kathy wants to buy a condominium selling for ?$95,000. The taxes on the property are ?$1400 per? year, and? homeowners’ insurance is ?$326 per year.? Kathy’s gross monthly income is ?$4500. She has 15 monthly payments of $145 remaining on her van. The bank is requiring? 20% down and is charging a? 9.5% interest rate with no points. Her bank will approve a loan that has a total monthly mortgage payment of? principal, interest, property? taxes, and? homeowners’ insurance that is less than or equal to? 28% of her adjusted monthly income.a) Determine the required down payment.8.The Ruffins are negotiating with two banks for a mortgage to buy a house selling for $185,000. The terms at bank A are a 15?% down? payment, an interest rate of 10?%, a 25-year conventional? mortgage, and 2 points to be paid at the time of closing. The terms at bank B are a 10?% down? payment, an interest rate of 11.0?%, a 30?-year conventional? mortgage, and no points. Which loan should the Ruffins select in order for the total cost of the house to be? less?9.The Bhatts purchased a new home for ?$238,000with a down payment of ?$46,000.They obtained a 20?-yearadjustable rate mortgage with the following terms. The interest rate is based on the? one-year Treasury bill? rate, which is currently at 0.5?%,and the? add-on rate, which is 3.5?%.The initial rate period is 5? years, and thereafter the interest rate is adjusted once a year and a new monthly mortgage payment is calculated.?a) Determine the? Bhatts’ initial ARM rate.?b) Determine the? Bhatts’ initial monthly payment for principal and interest.?c) ?If, after the? 5-year initial rate? period, the rate of the? one-year Treasury bill rises to 2.0?%,determine the? Bhatts’ new ARM rate.

Explain some of the possible barriers to learning one might encounter in this course.

Create a report on teaching strategies to apply in the course.Create three learning outcomes for the course. Conduct research on the course topic as necessary to create these outcomes. Summarize general course content and how these outcomes will relate to overall course content and how they align with learner expectations.Identify and evaluate at least three teaching strategies that could be used in the course and that are a good fit for the learner population, course topic, outcomes, and content. Explain which are the most appropriate teaching strategies for the course and audience, and why they are the most appropriate. Be sure to describe the advantages of using the selected strategies. Support these assertions with research from the field.Explain some of the possible barriers to learning one might encounter in this course. Identify the strategies that could be used to overcome those barriers and to keep learners motivated.