Answer:
Let us pick the case of the organization known as Starbucks. Presently we will give 3 models according to which we feel that it doesn't comprehend the brain science of holding up in their procedure where they could deal with the client's view of standing by better utilizing the guideline from the Norman and Maister's articles. While holding up at a Starbucks behind a tremendous line, we can have numerous cases :
a) Uncertain Waits Are Longer than Explained Waits - There is no clarification or sureness with respect to how a lot of time it will take for the espresso or your refreshment to be conveyed while you are in that line. This is questionable as the client's before you would request mass requests which may take additional time than only one espresso. In this way, these holds up are questionable.
b) Occupied Time Feels Shorter than Unoccupied Time - While you are remaining in that line, you have an inclination that your 5-10 minutes have been squandered which you could have better used busy working or at home. In this manner, the time was abandoned and hence feels a waste. While on the off chance that the time was involved by some different methods in the line, at that point it would have been justified, despite all the trouble to remain in the line.
c) Individual Waits Feel Longer than Group - Now very likely in a line, we will have people who are standing by solo for their request in the line. In this manner, the performance hold up will feel longer than holding up in an organization of companions or additionally little converses with outsiders or conveying here and there. In this manner, the issue of solo holding up is a distress and it remains.
Answer:
Young should report proceeds from the sale of bonds as equal to $864,884
Explanation:
The proceeds on the sale of bonds is equivalent to the present value of all the cash flows that are likely to accrue to an investor once the bond is bought. These cash-flows are the periodic coupon payments that are paid semi-annually and the par value of the bond that will be paid at the end of the 5 years.
During the 5 years, there are 10 equal periodic coupon payments that will be made. In each year, the total coupon paid will be

and this payment will be split into two equal payments equal to
. This stream of cash-flows is an ordinary annuity
The periodic market rate is equal to 
The PV of the cashflows = PV of the coupon payments + PV of the par value of the bond
=$40,000*PV Annuity Factor for 10 periods at 4%+ 

Answer:
3000* (1+ 0.06) (that little 1 at the corner there <)
= $3,180
3,180 - 3000 = $180 first year
180/12 =$15 per month
The formula is
Principal (money borrowed/3000$) times/*/x (1+ rate (0.06) ) to the power of 1
Please correct me if i got it wrong i’m studying this in class too.
Explanation:
$16.35 is the new hourly wages. $15 increase by 9% is 16.35