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3 years ago

What is the major disadvantage associated with both online and mobile banking?

Business

1 answer:

erastova [34]3 years ago

3 0

Answer:

C. computer malware

Explanation:

The major drawback associated with both online as well as mobile banking is "<u>computer malware</u>". As malware is a type of product that is intentionally designed to harm computers, computer networks and as well as servers. Malware harms a computer basically when it comes from any source to an individual's computer system. It will be appearing as contents, other programming or executable code.

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United Birdseed is expected to pay the following dividends over the next three years: After year 3, dividends are expected to gr

elena-14-01-66 [18.8K]

The question is incomplete. See the complete one below:

Dividends per share at time 1: Div 1 1.00

Dividends per share at time 2: Div 2 1.20

Dividends per share at time 3: Div 3 1.44

Growth Rate after time 3 forever: g 0.05

Discount Rate: r 0.10

Find the price per share of United Bird Seed at time 0

Answer:

Stock price = $24.703

Explanation:

The Dividend Valuation Model is a technique used to value the worth of an asset. According to this model, the value of an asset is the sum of the present values of the future cash flows would arise from the asset discounted at the required rate of return.

In this question, the cash flows are the dividends as given in the question and the rate of return (discount rate) is 10%

The Present Value of a future cash flow is the amount that needs to be invested today at a particular rate of return to equal the same cash flow in the future. Present value means the value in year 0 or now

The idea is premised on the concept of the time value of money. The idea that $1 today is not the same as $1 tomorow. The $1 of today is worth more than that of tomorrow; and because of the opportunity to earn interest.

So if an asset (e.g a stock) promises some cash flows in the future, those cash flows need to be brought to their present values and then be added to arrive at the value of the asset

The process of calculating the present value of a future sum is called discounting. So to calculate the stock price in this question, we shall discount the future dividends using the required rate of return and then add them together.

This is done as follows:

PV of Div. in year 1= 1.00/(1.10)= 0.909

PV of Div. year 2= 1.20/(1.10)²= 0.992

PV of Div in year 3= 1.44/(1.10)³=0.082

PV (in year 3) of Div payable in year 4 and beyond = (1.44×1.05)/(0.10-0.05)= 30.24.

PV (in year 0) of Div payable in year 4 and beyond= 30.24/(1.10)³= 22.720

Stock price = Sum of the PV of the future dividends

=0.909+0.992+0.082+22.720= $24.703

6 0

3 years ago

The tendency for people who have first agreed to a small request to comply to a larger request is called the phenomenon

Vaselesa [24]

Its called the foot-in-the-door phenomenon.

4 0

3 years ago

Assume that we use a perpetual inventory system and that five identical units are purchased separately at the following four dat

swat32

Answer:

The cost of goods sold (income statement) should include 1 unit purchased on April 5 at $10.

The merchandise inventory account (balance sheet) should include the 4 units purchased later including their purchase date and specific cost:

1 unit purchased on April 10 at $12
1 unit purchased on April 15 at $14
1 unit purchased on April 20 at $16
1 unit purchased on April 20 at $17

5 0

3 years ago

Suppose that the federal budget deficit increases. the increase in government borrowing will cause interest rates to ▼ rise fall

yan [13]

Answer:

Rise; More attractive; More; Less; Rise

Explanation:

Suppose that the federal budget deficit increases.

So, there is a need to borrow funds and this will increase the government borrowings. The higher government borrowings will lead to cause the interest rate to rise.

In an open economy, the buyers in the foreign countries are buying more U.S bonds as they will receive higher rate of return from investing in bonds. Hence, the U.S bonds are becoming more attractive to the foreign buyers because of the higher interest rate.

This will reduce the value of U.S exports, hence, the trade deficit (Value of imports - Value of exports) will rise further.

6 0

3 years ago

Suppose an oligopolistic producer assumes its rivals will ignore a price increase but match a price cut. In this case the firm p

andreyandreev [35.5K]

Answer: C) demand curve as kinked, being steeper below the going price than above.

Explanation:

For an oligopolistic producer, who assumes that its rival would ignore a price increase but match a price cut, the perception of the firm about it demand curve is that it would be kinked, being steeper below the going price than above.

6 0

4 years ago