_____ is the federal branch responsible for creating guidelines and monitoring workplace safety.

When do banks make money from deposits? when people withdraw money from their account when banks pay interest to account holders

makvit [3.9K]

Answer:

The correct answer is D. When banks loan the money to another consumer.

Banks earn profit by lending the money from customers who deposit to bank or borrowed from other banks by lending it at a higher interest rate than the amount the borrowed it.

Banks pay low rates to those deposit with them those who their money is in money market fund or in savings account, and charge high rates to those who borrow as loan.

Some of the risks that a bank faces include operation risk, market risk, reputation risk, and liquidity risk.

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5 0

2 years ago

g On January 1, 2020, Marigold Company issued 10-year, $1,890,000 face value, 6% bonds, at par. Each $1,000 bond is convertible

Yanka [14]

Answer:

$3.78

Explanation:

The First step is to calculate basic earning per share then making the adjustments to the basic earning per share to arrive to a diluted earning per share.

Basic Earning per Share = Earnings Attributable to Holders of Common Stock / Weighted Average Number of Common Stock Holders.

Earnings Attributable to Holders of Common Stock Calculation :

Net Income $470,000

Less Bond Interest ($1,890,000×6%×80%) ($90,720)

Earnings Attributable to Holders of Common Stock $379,280

Weighted Average Number of Common Stock Holders Calculation :

Outstanding Common Shares 94,000

Weighted Average Number of Common Stock Holders 94,000

Basic Earning per Share = $379,280 / 94,000 = $4.03

Diluted Earnings per Share = Adjusted Earnings Attributable to Holders of Common Stock / Adjusted Weighted Average Number of Common Stock Holders.

Adjusted Earnings Attributable to Holders of Common Stock Calculation :

Earnings Attributable to Holders of Common Stock $379,280

Add Back Bond Interest ($1,890,000×6%×80%) $90,720

Adjusted Earnings Attributable to Holders of Common Stock $470,000

Adjusted Weighted Average Number of Common Stock Holders.

Outstanding Common Shares 94,000

Add Convertible Bonds ($1,890,000/$1,000×16) 30,240

Adjusted Weighted Average Number of Common Stock Holders 124,240

Diluted Earnings per Share = $470,000 / 124,240 = $3.78

6 0

3 years ago

If the final expressions in a present value equation used to calculate the price of a bond you are considering buying are "[$50

seraphim [82]

Answer: A. The face value is $500, the coupon is $50, and the coupon will mature in 3 years

Explanation: From the above question, one is able to note that the interest rate (r) is 8%, time (t) is 3 years to maturity and the face value of the bond is $500 while the coupon is $50.

The above is a formula for coupon-bearing bond and it shows that the price of a bond is the present value of its promised cash flows.

5 0

4 years ago

The Internal Revenue Code and Treasury regulations are two major sources of federal tax law. Differentiate between the Code and

inysia [295]

Answer:

The Internal Revenue Code is federal statutory law while treasury regulations can not stand as laws on their own.

Explanation:

The Internal Revenue Code is federal statutory law passed into law by Congress and automatically becomes a law after the President has assented to it. This implies that the two arms of the government must be involved in it before before it becomes a law, otherwise it is null and void.

Treasury regulation is only meant to give interpretations and explanations to the Internal Revenue Code, law or statue, and it is not really a law by itself. The Treasury usually receives authority from the Congress to write regulations that will serve as the official interpretation of statutory law.

However, this does not mean that the regulations does not have appreciably authoritative weight, but it is just that the weight of authority of the regulation is less than the weight of the Internal Revenue Code.

6 0

3 years ago

Cepeda Manufacturing Company is considering three new projects, each requiring an equipment investment of $22,000. Each project

aliya0001 [1]

Answer:

Payback period

Project AA= 2 years 4.8 months

Project BB = 2 years 3.8 months

Project CC = 2 years 1.3 months

Explanation:

Project AA

Cash inflow for after 2 years = 7000 + 9000 =16000

Balance to recover initial cost = 22,000 -16000 = 6,000

Payback period

= 2 years + (6000/15000)× 12 months

= 2 years 4.8 months

Project BB

Cash inflow for after 2 years = 9500 +9500 =19,000

Balance to recover initial cost = 22,000 -19000 = 3,000

Payback period

= 2 years + (3000/9,500)× 12 months

= 2 years 3.8 months

Project CC

Cash inflow for after 2 years = 11,000 + 10,000 =21,000

Balance to recover initial cost = 22,000 -21,000 = 1,000

Payback period

= 2 years + (1,000/9,000)× 12 months

= 2 years 1.3 months

5 0

3 years ago