University Tuition Fees Some University Policy makers have viewed the increased college tuition fees as a means of dealing with the economic crisis of the early 2000s. The need for universities more resources have also increased. In addition‚ the facilities needed for technical courses such as engineering are necessary and the institution cannot offer such courses without proper facilities. To be able to finance such facilities‚ tuition fee must be increased. Education is expensive and is high
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Low Interest Rates Long Term Effect "The prolonged low-interest rate environment is transforming the banking industry from savings and loans to service and loans‚" said Dan Geller‚ executive vice president of research firm Market Rates Insight in San Anselmo‚ Calif. (Fitzpatrick) Consumers may think that the continued low interest rates are a profound thing‚ but banks on the other hand think much differently. Consumers are refinancing their houses at rates as low as 2.875%‚ while big banks like
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DIRECT STAFFORD LOAN POLICY FALL/WINTER 2012-13 To minimize student debt‚ Federal Direct Stafford Loans can only be used to pay for direct educational expenses such as tuition‚ fees‚ books and transportation. Loan funds cannot be used to pay credit card bills for personal purchases‚ child support payments‚ car payments or other non-educational costs. There are‚ however‚ alternative loans available from private lenders to assist with living expenses. If you are awarded a Direct Stafford Loan‚ you must
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EFFECT OF INTEREST RATE ON INVESTMENT DETERMINATION IN NIGERIA (1970-2008) ABSTRACT This study examines the effect of interest rate on investment determination in Nigeria. The study is necessitated by the fact that the behavior of interest rates to a large extent determines investment activities and economic growth of any country. Investment decision is seen as demand for credit in an economy and this study calculated the annual variance of interest rate and its effects on investment determination
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is 30%. What is the return on assets of Google‚ Inc.(No more than two decimals in the percentage interest rate‚ but do not enter the % sign.) Answer for Question 3 Question 4 (10 points) Suppose CAPM holds‚ and the beta of the equity of your company is 2.00. The expected market risk premium (the difference between the expected market return and the risk-free rate) is 4.5% and the risk-free rate is 3.00%. Suppose the debt-to-equity ratio of your company is 20% and the market believes that the
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Cash and Cash Equivalents Cash This includes money and other negotiable instrument that is payable in money and acceptable by the bank for deposit and immediate credit. Examples are bills and coins‚ checks‚ bank drafts and money orders. To be included or considered as cash‚ it must be unrestricted as to use‚ meaning‚ it must be readily available for use or payment of current obligations‚ thus‚ not subject to contractual or legal restrictions. The following items are included in “cash”:
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- Chapter 4 Fixed Rate Mortgage Loans Question 4-1 What are the major differences between the CAM‚ and CPM loans? What are the advantages to borrowers and risks to lenders for each? What elements do each of the loans have in common? CAM - Constant Amortization Mortgage - Payments on constant amortization mortgages are determined first by computing a constant amount of each monthly payment to be applied to principal. Interest is then computed on the monthly loan balance and added
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Interest rates are among the closely watched variables in the economy. The media on daily bases record their movement because they affect our everyday lives and have crucial consequences for the health of the economy. They affect personal decisions as whether to consume or save‚ whether to buy a house and whether to purchase bonds or put funds into a savings account. Interest rates also affect the economic decisions of households or businesses such as whether to put their money in the
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sure the company is well managed. Because the differences between effective tax rates of companies of equal size that perform similar functions in the same geographical region are generally due to managerial decisions‚ a company with the lower effective tax rate could have the better administration and therefore be a better investment. The statutory corporate tax rate is the rate that is imposed on taxable income of corporations‚ which is equal to corporate receipts less deductions for labor costs‚
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fixed exchange rate system that fixes the exchange rate of Hong Kong Dollar and United State Dollar to a ratio of 7.8: 1 Hong Kong Monetary Authority does not need to stable exchange market by controlling the supply and demand of HKD. It can be stabilized by Fixed-linkage System. In the past 15 years‚ Hong Kong interest rates and exchange rates fluctuated in the same trend of the US interest rate and exchange rate. The graphs below show an example of interest rate and exchange rate respectively:
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