Calculate the yearly repayment amount, and complete the following loan amortisation schedule.

QUESTION 1 (25 MARKS) a. Sam took a RM5,000 bank loan from SEA Bank. The bank charged Sam 4.5% interest and requires him to pay at the end of each year for 4 years. Calculate the yearly repayment amount, and complete the following loan amortisation schedule. Please refer to table in question 1 in file b Susan plans to save RM2,000 every year for the following three years. There is no money set aside for years four and five. Determine how much Susan will have at the end of the fifth year if all investments earn 2%. c Zayd invested RM7,000 in Bank A three years ago. The bank pays 8% simple interest per annum. He decided to withdraw all the money accumulated in that bank and invest in Bank Z that gives 5% interest compounded quarterly. He plans to keep the money for 4 years in Bank Z. Calculate the accumulated amount at the end of the fourth year. d Sofea plans to buy a condominium when she graduates from Wawasan Open University three years from now. The condo’s selling price is expected to be RM240,000 in three years’ time and she will need 10% of the selling price as a deposit to book the condo. If she puts RM6,000 now in an account that yields 15% interest compounded semiannually, calculate how much more would she need to deposit soon after she has graduates. QUESTION 2 (25 MARKS) a Mei Lin is putting money aside to purchase a new automobile in four years. She plans to save RM450 at the end of each month for the next four years. She plans to put the money into a savings account with a monthly interest compounding rate of 2.0 percent. Determine how much money she will have in four years. b In ten years, John Hsu hopes to establish a business. He aims to acquire RM200,000 to invest in the firm by that time. To achieve his aim, he wants to put a particular sum today in an investment fund that will pay him 8.0 percent per annum, compounded semi-annually. Calculate how much John will have to invest today to reach his goal c Muthu had just acquired a car loan from a bank. The bank had agreed to lend him RM120,000 in exchange for a 5% down payment on the automobile. Muthu would have to pay monthly instalments to repay the debt at a rate of 3.0 percent per annum compounded monthly for 9 years. (i) Compute the amount of his monthly payment. (5 marks)(ii) Calculate Muthu’s total interest assuming he keeps the loan till the agreedupon settlement term. (4 marks)(iii) Determine how much interest Muthu would save if he decides to pay off the debt entirely after 6 years. (6 marks) QUESTION 3 (25 MARKS) Your company can invest in either, or both of two investments: Hitam Berhad shares and Putih Berhad shares. The expected returns on each of these two investments vary depending on economic conditions. The following table shows the expected returns and the likelihood of the economic conditions. Refer to table in question 3 in filea If you invest in a portfolio comprising both shares, it will be 60% in Hitam Berhad, and 40% in Putih Berhad, calculate i) the average return for Hitam Berhad shares ii) the average return for Putih Berhad shares iii) the weighted return of Hitam and Putih shares iv) the risk for Hitam Berhad shares v) the risk for Putih Berhad shares vi) the weighted risk for Hitam and Putih shares vii) the correlation between Hitam and Putih shares viii) the average return for portfolio ix) the risk of the portfolio. (20 marks) b Based on your response above, explain what occurred to the rate of return and risk when you moved from individual shares to a portfolio. QUESTION 4 (25 MARKS) Purple Berhad’s production manager is putting together a capital appraisal to replace a machinery in the Batu Maung factory and has sought your advice. Current machinery Purchased 4 years ago for RM600,000. Sales proceeds of RM50,000 achievable 5 years from now. If retained, the machinery will require major repairs at the end of the first year amounting to RM50,000, and a further repair of RM20,000 at the end of the third year. Annual cash flows are estimated to be RM30,000. If sold now, it would be for RM70,000. Proposed replacement Cost RM900,000 fully installed. Effective life would be for 5 years. Annual maintenance costs would be RM30,000 per year. Cash flows expected to increase to RM60,000 per year. Additional information Ignore tax effects Cost of capital is at 10% per annum. a Using only Net Present Value as your basis of decision, recommend to the production manager to retain the current machinery, or to replace it. (17 marks) b Give TWO criticisms each for the Accounting Rate of Return and Payback Period capital budgeting techniques. (8 marks)

Complete a three- to five-page academic paper comparing western ethics to other cultural ethical decision making approaches and contrast that to a Christian worldview.

Complete a three- to five-page academic paper comparing western ethics to other cultural ethical decision making approaches and contrast that to a Christian worldview. For example, in China, bribes are an accepted practice at the highest levels of government. How would a leader with a Christian worldview do business in a country like this and how would leaders from other religious worldviews handle the same situation? Use references to inform your perspective

Explain why the critical value can be different for each hypothesis test computed using the two-way between-subjects ANOVA.

Statistics Exercise IV These weekly exercises provide the opportunity for you to understand and apply statistical methods and analysis. All assignments MUST be typed, double-spaced, in APA style and must be written at graduate level English, citing the text in APA format. #1. Define the following terms:Sum of squares between groupsSum of squares errorMean square between groupsMean square error #2. Define the following terms: Degrees of freedom between personsSum of squares between personsMean square between persons #3. Explain why the critical value can be different for each hypothesis test computed using the two-way between-subjects ANOVA. Use SPSS and the provided data to answer the following questions. Round your answers to the nearest dollar, percentage point, or whole number. #4. Perform a chi-square test to look at the relationship between region of the country (REGION) and financial comfort (FCOMFORT). Using alpha = .05, what would you conclude from your test: A.Financial comfort differs depending on the area one lives in. B.People living in less expensive areas are more likely to report that they are financially comfortable. C.There is not a significant relationship between region and financial comfort. D.People living in the northeast region are most likely to report that they are financially struggling. #5. Perform a one-way ANOVA to look at whether income (INC1) differs by type of relationship (RELAT). Which of the following describes your result: A.F(3,396) = 4.91, p > .05 B.F(3,396) = 4.91, p < .001. C.F(3,396) = 6.85, p > .05 D.F(3,396) = 6.85, p < .001 Perform a 2-way ANOVA with participant’s income (INC1) as the dependent variable and with gender (GENDER1) and marital status (MSTAT) as independent variables. Interpret your results in questions 6, 7 and 8. (Hint: click the “Plots” button in the Univariate routine to create a graph). #6. The main effect due to gender indicates that: A.Women earn more than men. B.Men earn more than women. C.Men and women have incomes that are not significantly different. D.Participants earn more than their partners. #7. The main effect due to marital status indicates: A.Your income tends to decrease after a divorce. B.Getting married tends to increase your income. C.Marital status is unrelated to income. D.Married people tend to earn more than single people. #8. The interaction effect indicates: A.Men earn more than women and married people earn more than singles. B.The male/female income difference is greater when comparing married people than when comparing singles. C.The interaction effect is non-significant. D.Marriage helps men’s careers more than it helps women’s careers.Assignment Outcomes:Assess the concepts underlying appropriate use of various research methodologies Analyze how to recognize the inappropriate or deceptive use of research methodology Compare/contrast the basic assumptions underlying various statistical operations Summarize the consequences of using various methodological approaches Differentiate between the appropriate and inappropriate application and interpretation of research methods and statistics

How economists are both scientists and policymakers and what principles society uses to allocate its scarce resources.

The purpose of this is assignment is for students to review the basic principles of economics and the concepts of the circular flow model, showing the connectivity of society’s economic players and the flow of goods and money within an economy. Students will learn how society allocates its scarce resources and how economists are both scientists and policymakers. Students will define GDP and CPI and how they are calculated. Assignment Steps Resources: National Bureau of Economic Research; Principles of Macroeconomics: Ch. 1, 2, 3, 4, 5, 6, and 7 Scenario: Your organization’s CEO is concerned that members of the strategic planning committee are not familiar with current economic thought and principles. The CEO has assigned you the task of developing a report to introduce some of these thoughts and principles. Develop a 1,050-word report to the members of the strategic planning committee explaining the following information:How economists are both scientists and policymakers and what principles society uses to allocate its scarce resources.Using the circular flow model, explain the flow of money and goods in an economy.How the economy coordinates society’s independent economic actors.A country’s gross domestic product (GDP) and how it is defined and calculated.How the consumer price index (CPI) is constructed and why it is an imperfect measurement of the cost of living. Format the assignment consistent with APA guidelines.

Explain how such a plan might provide balance between short-term drivers and long-term needs.

With constantly shifting markets, new drivers arrive almost spontaneously. New competitive, cultural, economic, political, regulatory, social, and technological factors are continuously impacting an organization. These are invariably exciting and interesting because they present both real challenges and potential opportunities. In response, there is often a temptation for the organization’s leadership to be reactive. One mark of effective strategic and operating leadership is the ability to rapidly and opportunistically respond to market shifts. Done to excess, or at all costs, however, this can lead to strategic wobbles back and forth, with major and potentially fatal loss of ground caused by inappropriately reacting to short-term shifts.For this Discussion, review this week’s Learning Resources. Consider the difference between reacting to market shifts and following an integrated Annual Human Resources Operating Plan. In addition, think about how metrics and milestones might help balance short-term drivers and long-term objectives.Post by Day 3 an analysis of the value of an integrated Annual Human Resources Operating Plan in the face of constantly shifting markets. Explain how such a plan might provide balance between short-term drivers and long-term needs. Describe the circumstances appropriate to deviating from such a plan or justifying a different path than that planned. Discuss specific techniques, including metrics and milestones that the Human Resources Department/Division can use to add rigor in achieving this balance while attaining long-term business objectives for the overarching needs of the organization.Respond by Day 5 to two or more of your colleagues’ postings by describing alternative metrics and milestones for balancing short-term drivers and long-term objectives.Return to this Discussion in a few days to read the responses to your initial posting. Note what you learned and/or any insights you gained as a result of your colleagues’ comments.Be sure to support your work with specific citations from this week’s Learning Resources and any additional sources.

Identify the three key facts about short-run economic fluctuations and how the economy in the short run differs from the economy in the long run.

The Company is TORO. This is a group assignment and I am only responsible for the highlighted portion. Only 1-2 slides. PLEASE NO PLAGIARISM Select an organization your team is familiar with or an organization where a team member currently works.Create a 15- to 20-slide Microsoft® PowerPoint® presentation that will be presented to the organization’s Executive Committee. The presentation should cover the following items:Identify the three key facts about short-run economic fluctuations and how the economy in the short run differs from the economy in the long run.Explain economic fluctuations and how shifts in either aggregate demand or aggregate supply can cause booms and recessions using the model of aggregate demand and aggregate supply.Explain how monetary policy affects interest rates and aggregate demand.Analyze how fiscal policy affects interest rates and aggregate demand.Evaluate why policymakers face a short-run trade-off between inflation and unemployment.Evaluate why the inflation-unemployment trade-off disappears in the long run.Cite a minimum of 3 peer-reviewed sources not including your textbook.Format consistent with APA guidelines. Class, I would like to make the following suggestions for this week’s team PowerPoint presentation: 1. Remember that the focus of this paper should not be the organization you pick. 2. Read Chapter 20 of your textbook. The key facts about economic fluctuations are discussed in Section 20-1. Discuss how shifts of the AD and AS curves can affect the equilibrium price level and real output, but do not forget that these shifts also imply changes in the rate of unemployment. 3. Note that monetary policy and fiscal policy are different types of policies. I suggest you have a slide indicating what these policies mean. Also, the instructions imply that fiscal policy aims to change interest rates. That is not correct. While fiscal policy can potentially have any effect, that is not the purpose of fiscal policy. On the other hand, interest rate changes are a major objective of monetary policy.

Calculate the VoIP traffic load in access trunks to the packet network.

NETW250 Week 5 iLab: VoIP Traffic Engineering Objectives In this lab, students will examine the following objectives. •Calculate the VoIP traffic load in access trunks to the packet network.•Calculate the number of IP PBX access channels to the packet network.•Calculate the number of backup access channels to PSTN. Scenario ABC Inc. is planning to retire an analog PBX serving its location, and to deploy an IP PBX to integrate telephone services into the TCP/IP network using VoIP technologies. It plans to use primarily the packet network (Internet) to make and receive phone calls. To meet its phone service objectives, ABC Inc. must size access links to the Internet and determine the number of SIP trunk connections that are needed. In addition, the company wants to have a backup connection (i.e., a subscription to a few analog lines) to the PSTN through a trunk gateway in case of failure in the packet network.Your task is to calculate the following traffic engineering parameters to correctly size access connections to WAN.1)Calculate VoIP traffic load in access trunks to the Internet.2)Calculate the access bandwidth required and the number of SIP trunks needed for VoIP calls to the Internet. 3)Calculate the number of backup access channels to PSTN. Topology The figure below shows the IP PBX network at the company’s location. Note: Text in red indicates required iLab questions. Task 1— Calculate the VoIP traffic load in access trunks to the InternetIn this exercise, you will calculate the phone service traffic load in Erlangs on the access links connecting the company’s location with the Internet through the ISP. The following assumptions are given.1.The PSTN connection is only used as a backup. No phone calls will go to the PSTN trunk, which is only used in case of packet network WAN failure.2.There are 510 phones at the company’s location, including IP phones, soft phones, and analog phones.3.Sixty percent of the phones generate simultaneous call attempts in the busy hour, with an average duration of 7 minutes per call. Q1 What is the number of call attempts during the busy hour at the company’s location? Q2. What is the traffic load in Erlangs during the busy hour? Show calculation and units. Q3. What is the dimension of traffic measurement unit Erlang? Task 2—Calculate the number of SIP trunks and access link bandwidth required for VoIP calls to the InternetIn this exercise, you will calculate the access bandwidth and the number of SIP trunks required to meet the company’s objective. Use the busy-hour traffic load to the Internet that was calculated in Task 1. The following assumptions are given.1.The call-blocking probability during busy hour should not exceed 1% (i.e., 0.01).2.Use the G.711 codec with a 20-millisecond payload duration per packet.3.Use the Erlang-to-VoIP bandwidth calculator at http://www.erlang.com/calculator/eipb/. Q4. What is the difference between a completed call and a call attempt? Q5. What is the number of SIP trunks (lines from the online calulcator) required to meet company’s needs? Q6. What access link bandwidth (Kbps from the online calculator) is required to connect the company’s location to the Internet? Q7. If T1 bandwidth is 1.544 Mbps, T3 bandwidth is 44.736 Mbps, and there are 28 T1 in a T3, what access connection(s) does the company need to lease in terms of T1 and/or T3? Show the calculation. Q8. Include a screenshot below showing the results from the Erlang-to-VoIP bandwidth calculator. Task 3—Calculate the number of backup access channels to the PSTNABC Inc. is concerned with performance degradation and service interruptions due to the Internet availability. It decides to have a backup connection to the PSTN in case of any disruptions of phone services through the packet network. You will calculate the number of analog lines the company needs to lease from a telephone service provider (TSP) as a backup in case of packet network failures. The following assumptions are given. 1.Use the same busy-hour traffic load as in Task 1.2.The call blocking should not exceed 10% (i.e., 0.01).3.Use the Erlang B calculator at http://www.erlang.com/calculator/erlb/. Q9. How many analog lines does the company need to subscribe from a TSP? Include a screenshot below that shows the calculator results. Q10. Assume that each analog line can carry 1 Erlang of voice traffic. What is the utilization of the PSTN trunks if an Internet failure occurs during the busy hour? Show the calculation.

Suggest some ways the restaurant owner might address this dilemma. What aspects of human resource management are involved?

“Safety vs Ethical Decisions” When a restaurant employee slipped on spilled soup and fell, requiring the evening off to recover, the owner realized that workplace safety was an issue to which she had not devoted much time. A friend warned the owner that if she started creating a lot of safety rules and procedures, she would lose her focus on customers and might jeopardize the future of the restaurant. The safety problem is beginning to feel like an ethical dilemma. Suggest some ways the restaurant owner might address this dilemma. What aspects of human resource management are involved?