Python Homework

The CNN Money’s Market Movers website (https://money.cnn.com/data/hotstocks/ ) tracks the most active stocks on a real time basis. Specifically, the most active, the top gainers and top losers are listed at any instance in time. You will first write Python scripts that collect the list of most actives, gainers and losers from the above website. Next, your programs should take the ticker symbols of these companies and build a csv file (called stocks.csv) with data about each stock from the website: https://finance.yahoo.com/quote/AMD?p=AMD&.tsrc=fin-srch-v1 which gives the quote for ticker symbol AMD as an example. The data to be collected from the Yahoo Finance site should include: OPEN price PREV CLOSE price VOLUME MARKET CAP

Your code should also list the names of the companies in the order and categories listed in the website: https://money.cnn.com/data/hotstocks/ and ask the user to choose a company to get the data on. Once the user chooses the company of interest, your program should display its corresponding data (Open, Prev Close, Volume and Market Cap).

Sample Runs (user input in RED): This is a program to scrape data from the https://money.cnn.com/data/hotstocks/ for a class project.

Which stock are you interested in:

Most Actives: AMD Advanced Micro Devices Inc GE General Electric Co BAC Bank of America Corp WBA Walgreens Boots Alliance Inc AAPL Apple Inc F Ford Motor Co FCX Freeport-McMoRan Inc CSCO Cisco Systems Inc OXY Occidental Petroleum Corp MU Micron Technology Inc

Gainers: WBA Walgreens Boots Alliance Inc MKTX Marketaxess Holdings Inc NVR NVR Inc ARNC Arconic Inc GPS Gap Inc EQIX Equinix Inc ULTA Ulta Beauty Inc TTWO Take-Two Interactive Software Inc M Macy’s Inc NWSA News Corp

Losers: FCX Freeport-McMoRan Inc WYNN Wynn Resorts Ltd COTY Coty Inc CNP CenterPoint Energy Inc ABC AmerisourceBergen Corp MRO Marathon Oil Corp ATVI Activision Blizzard Inc COG Cabot Oil & Gas Corp XRAY Dentsply Sirona Inc

User inputs: COTY

The data for COTY Coty Inc is the following:

COTY Coty Inc OPEN: 12.78 PREV CLOSE: 12.84 VOLUME: 2,000,995 MARKET CAP: 9.580B

There are several advantages of cloud computing through Cloud ERP when compared

You read about cloud computing in Chapter 3 of the course text, which discussed cloud computing as it applies to all types of applications. What are the specific advantages and disadvantages of cloud computing for enterprise resource planning (ERP)? Dr. Patterson, our guest speaker, spoke about the benefit of using global standards in INF220 Week Four Network Technology Development Approaches (Links to an external site.). Would using global standards be good when integrating cloud computing in the organization? Why or why not?

For discussion two, this video compares Cloud ERP to an On-premise ERP solutions. Cloud ERP is provided as a service through a company or referred to as Software as a Service (SAS). Through On-premise ERP, solutions are installed on local servers while managed by technical staff. SAS is managed by a vendor and information is accessible to customers using a web-browser.

There are several advantages of cloud computing through Cloud ERP when compared to On-premise ERP. Ownership costs should be considered. According to the video material, an On-premise ERP is a huge investment that requires on-going maintenance. However, cloud is much lower and offers cost-savings at approximately 50% less. On-Premise involves redeploying system changes while cloud requires upgrades only every few years. Some other advantages of cloud are system flexibility, which allows allocation of more resources to system functions, better performance and security and a pay-as-you-go system.

I believe using global standards would be good when integrating cloud computing. As Dr. Jeriod Patterson of Alcatel-Lucent explains in his video, Network Technologies Development Approaches, applying global standards to meet SLAs is part of understanding a customer’s requirements through technology. Alcatel-Lucent manages service contracts in approximately 80 networks while covering over 200 million subscribers. I think integration makes this form of computing easier. Many devices can be managed and supported remotely.

Our text explains that cloud computing is defined by the National Institute of Standards and Technology (NIST) as “a model for enabling ubiquitous, convenient, on-demand network access to a shared pool of configurable computing resources (e.g., networks, servers, storage, applications, and services) that can be rapidly provisioned and released with minimal management effort or service provider interaction (http://csrc.nist.gov/publications/nistpubs/800-145/SP800-145.pdf (Links to an external site.))” (Valacich & Schneider, 2016). They also explain that Enterprise Resource Planning (ERP) “applications make accessing information easier by providing a central information repository, giving personnel access to accurate, up-to-date information throughout the organization” (Valacich & Schneider, 2016). This would mean that the advantages are the access to the information being easy and fast, the information being accessed would be as accurate as possible because as it is being accessed as quick as the updates happen. Some of the disadvantages would be that some of the information might not be for everyone that is able to access it and there could be some leaks that could be potential hazards. The lack of security could be an issue when the data is being accessed. Another thing is that just because the system is fast some data could be wrong and it might cause an issue if data is not recorded properly when uploaded.

When it comes to the global standards, the guest speaker explains that some organizations that do not understand the technology, goals, or the cost would benefit from this by utilizing them to retain their customer base, transition easier and get a better understanding through these services (Ivy, 2015). I think that using the global standards would be beneficial when cloud computing as it would allow for more growth and the ability to get a better handle on things when it comes to the cost and transitioning with growth. It would allow the organization to understand how things are progressing and guide them in a way.

  • attachment

    dispost.docx

Write a reflection about what you have learned in this module

Write a reflection about what you have learned in this module.  Your reflections should include (1) your opinion, (2) personal experience, and (3) evidence to back up your thoughts and/or opinion (APA citation).  The purpose of this assignment is to ensure you are processing your thoughts on the course content.  This will enhance your learning and knowledge.  Your posts in the discussion area should exhibit careful thought and logical reasoning and provide evidence for your position.  Each post should be at least one well-developed paragraph (approximately 4-6 sentences or more, unless otherwise indicated).  Use correct spelling, punctuation, and grammar.

****************************************************************

 

Module 1- Financial Analysis, Planning and Cash Flows

  • Lesson PlanLesson 1 – Introduction to Financial Management
    Lesson 1 – Introduction to Financial ManagementDo you know what finance entails? How financial management functions within the business world? Why might you benefit from studying financial principles? This chapter is the ideal place to get answers to those questions.
  • Lesson PlanLesson 2 – Reviewing Financial Statements
    Lesson 2 – Reviewing Financial StatementsIn this lesson, you will examine financial statement to clarify their major features and uses. You will also examine the differences between the accounting-based (book) value of a firm (reflected in these statements) and the true market value of a firm, which you will come to understand more fully. A clear distinction is made between accounting-based income and actual cash flows, a topic further explored in Chapter 3, where we see how important cash flows are to the study of finance. This lesson contains Appendix 2A. This document provides you with examples of financial statements.
  • Lesson PlanLesson 3 – Analyzing Financial Statements
    Lesson 3 – Analyzing Financial StatementsIn lesson 2, you reviewed financial statements. Financial statements provide information on a firm’s financial position at a point in time or its operations over a period of time. Information the statements contain can also be used to analyze the current financial performance or condition of the firm. More importantly, managers can use this information to plan changes that will improve the firm’s future performance and, ultimately, its market value. Managers, investors, and analysts universally use ratios to evaluate financial statements. Ratio analysis involves calculating and analyzing financial ratios to assess a firm’s performance and to identify actions that could improve firm performance.  In this lesson, we review these ratios, describe what each ratio means, and identify the general trend (higher or lower) that managers and investment analysts look for in each ratio.
  • Lesson PlanLesson 4 – Time Value of Money 1: Analyzing Single Cash Flows
    Lesson 4 – Time Value of Money 1: Analyzing Single Cash FlowsIn this lesson, we look at the time value of money.  Why might money change values, and why does it depend on time?  Consider that $100 can buy you an assortment of food and drinks today. Will you be able to buy those same items in five years with the same $100? The basic idea behind the time value of money is that $1 today is worth more than $1 promised next year. But how much more? Is $1 today worth $1.05 next year?  $1.08? $1.12? The answer varies depending on current interest rates.  Chapter 3 describes the time value of money concept and provides the tools needed to analyze single cash flows at different points in time.
  • Lesson PlanLesson 5 – Time Value of Money 2: Analyzing Annuity Cash Flows
    Lesson 5 – Time Value of Money 2: Analyzing Annuity Cash FlowsIn this chapter, we illustrate how to value multiple cash flows over time, including many equal payments,  and how to incorporate different compounding frequencies.  In the previous lesson on Chapter 4, we examined basic time value computations. Those TVM equations covered moving a single cash flow from one point in time to another. Many businesses and individuals will face this situation, but most debt and investment applications of the time value of money involved multiple cash flows. Most situations require many equal payments over time, and these situations require a bit more complicated analysis. This chapter continues the TVM topic for these situations; situations in which many equal payments are made over time. For example, your car loan, student loan and/or home mortgage. These loans require you, the borrower, to make the same monthly payment over many months or years.

Due Sunday 12/22/19 @ 10:30pm Assignment 4 Test

QUESTION 1
How much money would you have to invest today, at an interest rate of 5% in order to reach your goal of $1,000,000 in 30 years? Assume no additional money is invested.
Choose one • 20 points

$123,737.45
$321,377.45
$231,377.45
$132,733.45

QUESTION 2
What annual investment amount must be invested every year in order to reach a goal of $1,000,000 in 30 years at an interest rate of 5%? (assume no upfront investment PV=0)
Choose one • 20 points

$15,051.44
$231,377.45
$1,000,000
$33,333.33

QUESTION 3
The two bank websites I researched showed that their annual savings account interest rates are ______. This is because _____.
Choose one • 15 points

high…they are risky investments
low…they are nearly risk-free
low…the government (specifically Congress) keeps them low
high…the supply of ATM machines is too low

QUESTION 4
What one-time investment amount must be invested today, at a higher interest rate of 7.17% in order to reach a goal of $1,000,000 in 30 years?
Choose one • 20 points

$1,000,000
$71,700
$152,257.13
$125,257.31

QUESTION 5
The interest rates on savings accounts is ____ the interest rate (rate of return) on riskier investments such as stocks & stock funds.
Choose one • 3 points

the same as (they are determined by central bank)
lower than
higher than

QUESTION 6
Savings account interest rates at the bank are products just like groceries are at the grocery store. Just as we make economic decisions with our food buys…
Choose one • 2 points

we should always accept the savings rate at the nearest bank
we should shop around for (or at least consider) the highest savings rate possible.

QUESTION 7
If you want to reach a long-term investment (savings) goal, a good strategy to consider is…
Choose one • 5 points

saving money up-front and leaving it to grow over time.
saving money out of your income and placing it into an investment each year.
both of these
playing the lottery (show me the money! even my stacks got stacks)

QUESTION 8
TRUE OR FALSE: If you want to become a millionaire in 30 years, a savings account is the best investment to choose.
Choose one • 2 points

True
False

QUESTION 9
TRUE OR FALSE: If you want to become a millionaire in 30 years, the time value of money formulas that businesses use will help you estimate how much money to invest.
Choose one • 3 points

True
False

QUESTION 10
If you want to become a millionaire in 30 years…
Choose one • 3 points

the longer you wait to start investing, the bigger the payout is.
the earlier you invest, the better your odds will be of reaching this goal.

QUESTION 11
If you want to become a millionaire in 30 years…
Choose one • 2 points

stocks and/or mutual funds could get you there faster.
a savings account is the best choice.

QUESTION 12
Which of the following dynamics of investing / creating wealth is TRUE?
Choose one • 5 points

the higher the interest rate / return on your investment, the larger the amount of money you need to invest in order to reach your goal.
the higher the interest rate / return on your investment, the smaller the amount of money you need to invest in order to reach your goal.

Criminal Law

Business Law class:

From Torts, we turn to Criminal Law. A tort is a wrong committed by one person against another, causing damage. Meanwhile, a crime occurs when an individual violates a criminal statute that prohibits and punishes certain conduct. For example, a verdict of not-guilty in a criminal assault or battery case does not prevent victims from filing a civil suit for the same action. In other words, a person can be found civilly liable and be forced to pay damages arising out of the same incident, even if they are not convicted (i.e., found not guilty) of a crime. This is what happened when a civil court awarded a $33.5 million judgment in compensatory and punitive damages against O.J. Simpson, despite the fact that he was not convicted for the crime of murder. (On page 231, your book provides that “Not Guilty Might Not Mean Innocent” in reference to the O.J. Simpson trial.)

In many respects, the underlying purpose of both are similar. Both tort law and criminal law are used to identify and take actions against wrongdoers as well as to deter future wrongs from occurring. If the focus of tort law is what a victim can do about harm that the victim has suffered, then the respective focus of criminal law is on the person who commits a crime. Although crimes often have immediate victims, the ultimate victim of crime is—by and in large—society.

Given that, consider the following –

On March 4, 2020, California Governor Gavin Newsom declared a state of emergency. Skim his declaration: 10A Governor State of Emergency Declaration.pdfPreview the document

On March 4, 2020, California Attorney General Xavier Becerra issued a consumer alert about Penal Code Section 396. Read the consumer alert: 10B Attorney General Press Release.pdfPreview the document

Read also the Memo of the U.S. Attorney General to U.S. Attorneys: 10C DOJ Memo of the U.S. Attorney General to U.S. Attorneys.pdfPreview the document

Take the time to also skim and analyze Penal Code 396: 10D Section 396.pdfPreview the document

  1. Based on these readings, define price gouging in the context of COVID-19.
  2. What was the intention of the state legislature, or the “legislative intent,” behind the drafting of Penal Code Section 396?
  3. On April 3, 2020, California Governor Gavin Newsom issued an executive order to thwart price gouging in the context of COVID-19. Skim and analyze: 10E Governor Executive Order N-44-20.pdfPreview the documentIn what ways did the Governor try to extend Section 396 in issuing his executive order?
  4. Analyze the two examples –

    On May 25, 2020, an individual was charged with hoarding and price gouging N95 masks. Then-U.S. Attorney for the Southern District of New York Geoffrey Berman provided that the criminal defendant allegedly spent over $200,000 to accumulate masks to sell at inflated prices. Read: 10F ICE Criminal Charge for Hoarding N95 Masks.pdfPreview the document

    On April 7, 2020, investigators seized 50,000 masks from a warehouse located off Warm Springs Boulevard in Fremont, with the individual being issued a citation. No charges were ultimately filed. Read: 10G Warm Springs Masks Seized.pdfPreview the document

    Determine the key differences between the case in Warm Springs and the case in New York. Specifically, one was charged with price gouging with respect to N95 masks, while the other was not. Why is that?

Applied Ethics Essay Week 8

Wk 8

Outline: Applied Ethics Essay

Instructions

This assignment is designed to help you begin work on your Applied Ethics Essay due in Week 9. In this assignment, you will create an outline of what you will be writing in your essay. An outline is a tool used to organize your thoughts. You do not need to flesh out all your ideas, but briefly state your ideas along with supporting details that you will use in your final essay.

Begin by reading through the following cases. Choose one that interests you, and select one of the moral questions to respond to. Then, develop an outline that you will use to structure your final essay.

Your outline must include the following:

Briefly state a clear position on the moral question presented.

List relevant facts of the case.

Identify clarifying concepts you will use to analyze the case.

Describe an ethical standard pertinent to the case.

Include at least four references with proper SWS citation and explain how the information in that reference is relevant to your position. At least two of these sources will be from your textbook and other course materials.

See Sample Outline [DOCX] for an example of how this might look.

Strayer Writing Standards

This course requires the use of Strayer Writing Standards. For assistance and information, please refer to the Strayer Writing Standards link in the left-hand menu of your course.

Learning Outcomes

The specific course learning outcome associated with this assignment is:

Analyze how ethical standards impact moral decision making.

Case Study: Criminal Justice

USA PATRIOT Act and Academic Freedom (Boss, 1, p. 488)

A senior at the University of Massachusetts, Dartmouth, was visited at his parent’s home by federal agents after he requested a copy of The Little Red Book, Mao Tse-Tung’s book on communism. The student who requested the book through the university library’s inter-library loan was doing a research paper on communism for a class on totalitarianism and fascism. The two agents who came to his home said the book was on a “watch list” and that the student’s background, which included “significant time abroad,” prompted them to investigate.

His professor told reporters that he suspected that there is a lot more monitoring of student and faculty activities by federal agents than most people realize. The professor also reconsidered a class that he was going to teach on terrorism because he feared it might put the students at risk. “I shudder to think of all the students I’ve had monitoring al-Qaeda websites, what the government must think of that,” he said. “Mao Tse-Tung is completely harmless.”

The USA PATRIOT Act overrides library confidentiality laws. The Department of Homeland Security has the authority to monitor college students’ and professors’ library borrowing records, Internet records, and e-mails, as well as international travel and phone calls. In addition, librarians are bound by a gag order. Once records are requested, librarians are not allowed to tell the person who is under investigation.

Several libraries have protested the PATRIOT Act. Librarians in Santa Cruz, California, for example, are shredding library records daily. Libraries in some other states are posting warning signs and passing out leaflets. The American Library Association passed a resolution calling sections of the PATRIOT Act a danger to constitutional rights.

Question:Should the PATRIOT Act infringe on people’s freedom of speech?

Case Study: Health Care Ethics

Jennifer Johnson: Maternal Drug Use and Fetal Rights (Boss, 2, p. 104)

When 23-year-old Jennifer Johnson arrived to give birth to her fourth child, hospital drug tests found traces of cocaine in her blood. It was later revealed that her other children had all been cocaine-affected babies. A Florida judge found her guilty of delivery (through the umbilical cord) of a controlled substance to a child. Johnson was sentenced to 15 years of probation, drug treatment, random drug testing, and educational and vocational training. She was ordered to participate in an intensive pre-natal care program if she should ever become pregnant again.

According to the Physicians’ Committee for Responsible Medicine, an estimated one in five women use illegal drugs. The cost of caring for a cocaine-exposed infant can run into the millions of dollars. In response, several states have passed civil child abuse and neglect laws, which state that taking illicit drugs or alcohol during pregnancy constitutes child abuse. As a result of these laws, thousands of women have lost custody of their children and some have even been jailed or placed in mandatory drug treatment programs. As in the case of Jennifer Johnson, addicted women can avoid prison by agreeing to undergo drug treatment.

Choose one of the following questions:

Question 1: Are hospitals that routinely perform drug tests on any pregnant woman “suspected of being a drug user” violating the privacy rights of the woman?

Question 2: Does a pregnant woman who plans to carry her fetus to term have a moral obligation to refrain from using substances that are harmful to the fetus? If so, does the obligation necessarily depend upon the personhood or moral status of the fetus? Can we have a duty to refrain from behavior that might harm persons who do not yet exist?

Case Study: Environmental Ethics

Animal Liberation in the Science Lab (Boss, 2, p. 447)

The Animal Liberation Front (ALF) is a loose organization of radical animal-rights activists in more than 40 countries, ALF activists target science laboratories, slaughterhouses, and the fur and lumber industries. Since its founding in England in 1976, the ALF engaged in hundreds, if not thousands of reported direct actions. One of the most publicized actions in the United States took place in 1984, when five members of the ALF broke into the Experimental Head Injury Lab at the University of Pennsylvania and stole files and videotapes of experiments. The videotapes showed gruesome scenes of terrified baboons in vises with their heads being smashed by pistons while the researchers joked around. The tapes showed operations being performed on primates without regard for their pain or for standard research procedures. After taking the videotapes, the ALF ransacked the lab.

In the controversy that followed the release of the tapes to the public, Dr. Thomas Gennarelli, the director of the lab, defended the research, claiming that the animals had been properly treated. He also accused the ALF of setting back medical research. Both the university and the National Institutes of Health (NIH), which gave the lab a new grant to repair the damage, supported Dr. Gennarelli. The ALF responded to the accusation by comparing the lab experiments to those conducted by Nazi doctor Joseph Mengele on Jews in concentration camps. Protesters supported the ALF by staging demonstrations on campuses and at the NIH offices. In 1985, the secretary of Health and Human Services stopped federal funding for the head injury program, and the university agreed to pay a fine for violating the Animal Welfare Act. The members of the ALF were not prosecuted for their actions.

Although the ALF defines itself as nonviolent, the FBI regards groups such as the ALF and its sister organization the Earth Liberation Front (ELF) as “violent animal rights extremists and eco-terrorists [who] now pose one of the most serious terrorist threats to the nation.” In 2006, the U.S. Department of Homeland Security designated the ALF a “terrorist threat.” The ALF has a policy of nonviolence toward living things, including people engaged in animal experimentation.

Choose one of the following questions:

Question 1: Were stealing the tapes and ransacking the lab morally justified?

Question 2: Is animal experimentation morally justified if the Animal Welfare Act is not violated?

Case Study: Business Ethics/CSR

Patenting Genetically Engineered Life Forms (Boss, 1, p. 169)

In 1873, Louis Pasteur received a U.S. patent for the manufacture of a yeast that was free of disease. The first patent in the United States for a genetically engineered life form was granted in 1980 when the Supreme Court, in Diamond vs Chakrabarty, held that a human-created micro-organism was a new and useful “manufacture,” and hence patentable. Since then, more than three million genome-related patents have been filed with the U.S. Patent and Trademark Office (USPTO), some of which cover genetically engineered humans. The year 2007 marked the first application for a patent for an artificial, human-created life-form—a microbe.

Despite the legal status of biopatents, there is still considerable controversy about the morality of the practice. Canada does not permit patents for “higher life forms,” such as the oncomouse. China, India, and Thailand prohibit the patenting of any animal. The European Union only permits such patents “provided the potential benefits of the ‘invention’ outweigh the ethical and moral considerations, in particular the suffering of animals.”

People who favor biopatents argue that researchers should be rewarded for their discoveries. People would not put the money and years into genetic research unless they had some mechanism for protecting their inventions and investment through patents. Those who are opposed question the assumption that science will advance faster if researchers can have exclusive rights to their inventions. They also point out that the monopoly on certain products and the high royalty costs owed to patent holders may discourage product development,

Case Study 6

*Use the examples of other (2) attached documents to complete this assignment/questions. 

*Paraphrase it into your own words please do not copy and paste the information of the given example work word for word, that is PLAGIARISM! *APA format.

*At least 3 pages. 

*Questions do not count toward the three-page minimum of typed narrative.

  • attachment

    CaseStudy6instructions.docx
  • attachment

    casestudy6example2.docx
  • attachment

    Casestudy6example1.docx

Billing And Coding Practice Test

Write a 200- to 350-word reflection on your experience after taking the NHA CBCS practice test and completing a focused review. Respond to the following questions in your reflection:

  • Which section(s) of the practice test were you most comfortable with?   Regulatory Compliance: Identify appropriate documentation required for release of patient information
  • Based on the content you have covered so far, which section(s) of the practice test do you need to improve on?  Payment Adjudication: Analyze aging report. Determine reason for insurance company denial.  Interpret remittance advice to determine financial responsibility of patient and insurance company. Post payment accurately.
  • Which section(s) of the practice test do you have questions about?  Claims Processing: Apply knowledge of the CMS-1500 form to accurately complete the appropriate fields. Apply procedures for transmitting claims to third-party payers
  • What is your plan for building your knowledge in the necessary areas?

I have answered all questions. I just need you to write along the categories of my answers. I did not answer the last question. You may answer that one for me. Thank you!

Analyze The Variances In The Following Scenario

Analyze the variances in the following scenario: You are the nursing administrator for a medical group that expects a severe outbreak of the flu this winter. You hire additional staff to treat the patients and administer shots. Your special project budget was for 1,000 hours of part-time nurses’ services at $40 per hour, for a total cost of $40,000. It was expected that these nurses would administer 400 flu shots and treat 1,600 flu patients. The medical group typically charges $50 for a flu shot and $80 for treating a flu patient. Actually, the group had 1,200 patients who received the flu shot and 1,400 who had the flu and received treatment. On average, it was able to collect $55 per flu shot and $70 per flu patient. Compute the volume, mix, and price revenue variances. How did things turn out for the group considering just revenues? How did they turn out from a profit perspective? Use either the approach from chapter 8 or from Appendix 8-A to solve. Clearly label the calculations of the required variances using Excel. Use formulas to calculate the three variances and format the cells to insert a comma if there is more than three numbers and round to the nearest whole number. Explain the meaning of the variances in a two page Word document.

Finance Busn 379 MCQ’S !!

2. (TCO 6 and 7) The term debenture refers to (Points : 4) long-term, secured debt. long-term, unsecured debt. the after-acquired property clause. a document covering the specific terms of the debt issue. 4. (TCO 2) Which of the following does not reduce collection float? (Points : 4) installing a lockbox system. deposit collections weekly, instead of daily. requiring all customers pay by cash, rather than with check. utilize the benefits of the Check Clearing Act for the 21stCentury. 5. (TCO 3) You deposited $5,000 in your bank account today. An increase in which of the following will increase the future value of your deposit, assuming that all interest is reinvested? Assume the interest rate is a positive value. Select all that apply: (Points : 4) interest rate initial amount of your deposit frequency of the interest payments length of the investment period 8. (TCO 3) John borrowed $5,500 four years ago at an annual interest rate of 10 percent. The loan term is seven years. Since he borrowed the money, Sonny has been making annual payments of $550 to the bank. Which type of loan does John have? (Points : 4) interest-only pure discount compounded amortized complex 11. (TCO 7) Which one of the following statements concerning financial leverage is correct? (Points : 4) The benefits of leverage are unaffected by the amount of a firm’s earnings. The use of leverage will always increase a firm’s earnings per share. The shareholders of a firm are exposed to greater risk anytime a firm uses financial leverage. Earnings per share are unaffected by changes in a firm’s debt-equity ratio. Financial leverage is beneficial to a firm only when the firm has minimal earnings. 14. (TCO 8) Which one of the following bonds is the most sensitive to interest rate movements? (Points : 4) zero-coupon, five year seven percent annual coupon, five year zero-coupon, 10 year five percent semi-annual coupon, 10 year five percent annual coupon, 10 year 15. (TCO 6) A sinking fund is an account managed by a bond trustee for the sole purpose of: (Points : 4) paying interest payments on a semi-annual basis. redeeming bonds early. repaying the face value at maturity. paying the expenses required to reissue outstanding bonds. paying the “balloon payment” at maturity.