A debtor and a creditor have negotiated new terms on a note. how can you determine whether the restructuring is a troubled debt restructure?

Answers

Answer 1

If the present value of the restructured flows using the original interest rate is less than the book value of the debt at the date of the restructure.

Debt restructuring is a procedure that permits a private or open organization, or a sovereign substance confronting income issues and money related trouble to lessen and renegotiate its reprobate obligations to enhance or reestablish liquidity with the goal that it can proceed with its operations.

Answer 2
A TDR or troubled debt restructuring is a debt restructuring in which a creditor, for financial or legal reasons connected to a debtor's financial difficulties, grants a concession to the debtor that it would not otherwise consider. You will know it by if the present value of the restructured flows using the original interest rate is less than the book value of the debt at the date of the restructure.

Related Questions

An entrepreneur risks _______ in return for financial gain.

Answers

I think what would fill that blank space would be failure due to the fact that something with his business may have gone wrong or a wrong transaction was made. But sometimes these things can actually be a major plus for them without them even realizing before they made the choice.

A business produces 10 pairs of eyeglasses. it incurs $30 in average variable cost and $35 in average total cost. the total fixed cost of producing 10 pairs of eyeglasses is:

Answers

Answer:

The total fixed cost is 50$

Explanation:

The total cost is 350$

The Average total cost is 35$

The Average variable cost is 30$

Florida law states that a vessel operator involved in an accident must report the accident if property damage exceeds what amount?

Answers

A vessel operator must report the accident if the property damage exceed $2,000.00. The other conditions which require a vessel operator to report an accident are death or disappearance of a person and an injury which requires more than first aids treatment. Failure to render assistance to those people injured during an accident and failure to report the accident when necessary are both criminal offences. 
Final answer:

According to Florida law, a vessel operator must report an accident if property damage exceeds $2,000.

Explanation:

According to Florida law, a vessel operator involved in an accident must report the accident if the property damage exceeds $2,000. This means that if the damage to the property exceeds this amount, the vessel operator is legally required to report the accident to the appropriate authorities. It is important for vessel operators to be aware of this requirement so that they can fulfill their legal obligations in the event of an accident.

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Why is bangladesh internationally competitive in textile and clothing manufacturer?

Answers

The answer is Low wage rate. Processing plants in Bangladesh, the world's second-driving clothing exporter after China, minimize expenses by paying article of clothing specialists the most minimal wages on the planet — the present least is 3,000 taka, about $38, a month. The wage board suggested on Monday that it be raised to 5,300 takas, about $68.

Things did not go quite as planned. you invested $20,000, part of it in a fund that paid 12% annual interest. however, the rest of the money suffered a 5% loss. if the total annual income from both investments was $1890, how much was invested at each rate?

Answers

0.12 (20000-x)-0.05x=1890
Solve for x
2400-0.12x-0.05x=1890
-0.12x-0.05x=1890-2400
-0.17x=-510
X=510÷0.17
X=3,000. Invested at 5%

20000-3000=17000 invested at 12%

To solve this problem, you need to set up an equation and solve for x. The amount invested in the 12% fund is $17,000, and the remaining amount invested at the 5% loss is $3,000.

To solve this problem, let's assume that the amount invested in the fund that paid 12% annual interest is x.

Since the total amount invested is $20,000, the amount that suffered a 5% loss would be (20000 - x).

The annual income from the 12% fund would be 0.12x, and from the 5% loss would be -0.05(20000 - x).

We can set up an equation using these expressions and solve for x:

0.12x - 0.05(20000 - x) = 1890

0.12x - 1000 + 0.05x = 1890

0.17x - 1000 = 1890

0.17x = 2890

x = 2890 / 0.17

By solving this equation, we find that x ≈ $17,000. Therefore, $17,000 was invested in the fund that paid 12% annual interest, and the remaining ($20,000 - $17,000) = $3,000 was invested at the 5% loss.

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As a new supervisor, you need to introduce yourself to your team of ten employees. the best medium for this type of non-routine message would be

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The answer to this question is that the best medium would be a face to face meeting. A face to face meeting is a meeting where in group of people are being held in a specific meeting room to meet and discuss a specific agenda. Face to face meetings are said to be the best type of meeting because this ensures engagement and it is more efficient.

Leaving the scene of a crash resulting in property damage of more than $50 would result in the accumulation of _______ points.

Answers

It would result in the accumulation of six [6] points. The consequence of the point system is that, when enough points have been accumulated then the traffic authority reserves the right to totally suspend one's right to drive; this is the maximum punishment. 

It would results in the accumulation of 6 points.  

At this point, individual must have been involved in a serious traffic violations. A 6 point violation is actually a traffic violation that causes injury or damage a property. An individual will incurred 6 points if speeding result in a crash and resulting in damages that is exceed $50.

Further Explanation

In order to ensure safety and maintain high level of responsibility on the road, the Florida DHSMV use a point system where a certain point is given for different traffic violations.

Whenever individual violate any of the traffic law, such individual will accrue a points. Points are accrued for violations based on the gravity of the offence and the moment a certain threshold of point is reached, it will attract a punishment by suspending the driver's license of the offender.  

If you reached a certain point threshold, the Florida DHSMV has the right to suspend your license.  

Your right to drive (license) will be suspended for a period of 30 days if you accrue 12 points in 12 days. If you reached a threshold of 18 points in 18 months, your driver’s license will be suspended for 3 months. If you accrue 24 points in 36 months, your drivers will be suspended for 12 months, which 1 year.

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Florida DHSMV driver's licensepointsviolationdamages

________ enables users to define their own data-based tags and facilitates exchange of information between websites.

Answers

XML enables users to define their own data-based tags and facilitates exchange of information between websites. It stands for extensible markup language. It was made and designed in order to transport and store data. It was designed to be machine readable and human readable. It is a markup language which would define a set of rules for use in encoding documents that can be read both for human and machine.

If you have a questioned item on your travel account bill, with whom do you first try to resolve it?

Answers

If you have a questioned item on your travel account bill, the first person you should contact in this situation is: The merchant
Before you contact the producer of the card,you need to make sure that:
- The merchant did not falsely include the unknown item in your purchasing price, or
- YOU include the unknown item but you forget about it

A(n) _______________ strategy is a competitive strategy by which a firm develops unique products or services from those of its competitors, or makes radical business changes that may alter the fundamental nature of the industry.

Answers

That would be an innovation strategy.

An industry that has one large firm that provides 60% of the supply of the product is called an oligopoly.
a. True
b. False

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The statement " An industry has one large firm that provides 60% of the supply of the product is called an oligopoly" is false. 
Because in an oligopoly  more than one firm dominate the market and in monopoly only firm is dominant. In Oligopoly there is small number of firms but have the market share in large majority.

Because the main goal of high-stakes testing is to upgrade the performance of poorly achieving students, low-income and ethnic minority children are

Answers

Because the main goal of high-stakes testing is to upgrade the performance of poorly achieving students, low-income and ethnic minority children are especially likely to be exposed to narrowly focused, regimented teaching.
They do this to them because Children from low-income family tend to not have an additional guideline from their parents because they tend to take two or more job.

One of the main criticisms of property taxes is that the property tax of lower income households is higher than that of higher income households, as a percentage of their respective incomes. in other words, taxes are criticized for being

Answers

 


Taxes are being criticized for being regressive. A scenario for this property tax criticism can be stemmed from this: property tax of lower income households being higher than those of higher income households, with respect to their income percentage. From this, we can deduce that if the activity of being taxed is less likely to be performed out by the rich is more likely to be achieved by the poor then, the tax may be considered regressive.

 

To add, regressive taxing can be done on different scales, such as individual taxes, or the tax system as a whole; a year, multi-year, or lifetime.

Property taxes are considered regressive because they can constitute a higher percentage of income for lower income households compared to wealthier ones, despite the assumption that they are progressive as property is typically owned by higher income individuals.

The criticism of property taxes being higher for lower income households as a percentage of their income compared to higher income households refers to the concept of regressivity in taxation. Regressive taxes disproportionately affect lower-income individuals as they pay a higher percentage of their income compared to wealthier individuals. In contrast, progressive taxes, like the national income tax, charge higher rates as income increases, thus imposing a larger burden on the wealthy relative to their income.

While property ownership is generally concentrated among higher income groups, leading some to view property taxes as progressive, this perception depends on who bears the true economic burden of the tax. Local governments utilize property taxes as a key source of revenue for services that can increase property values, such as schools and infrastructure. However, when property taxes are not proportionate to individuals' incomes, lower income households may indeed experience a regressive effect, paying a larger share of their income in property taxes than wealthier households.

"normally the discount rate is" _____ the federal funds rate

Answers

The discount rate is the interest rate banks must pay the Federal if they borrow other reserves from the Fed. Banks that are in need of additional reserves usually borrow these reserves from other banks in the federal funds market. The federal funds market interest rate, the federal funds rate, is known through by supply and demand. The Fed typically sets the discount rate above the federal funds rate to discourage bank borrowing from the Fed. Normally the discount rate is set one percentage point above the federal funds rate, but beginning in the fall of 2007 the Fed, in response to the financial crisis, abridged the spread between the discount rate and the federal funds rate.

Final answer:

The discount rate is the interest rate charged to commercial banks and other depository institutions on loans they receive from their regional Federal Reserve Bank's lending facility.

Explanation:

The discount rate is the interest rate charged to commercial banks and other depository institutions on loans they receive from their regional Federal Reserve Bank's lending facility--the discount window. The Federal Reserve Banks offer three discount window programs to depository institutions: primary credit, secondary credit, and seasonal credit, each with its own interest rate. All discount window loans are fully secured.

The legacy "high-3" retirement system for the uniformed services requires service members to serve _____ years of active duty, or qualifying years of service for the reserve component, in order to qualify to receive the defined-benefit retired pay.

Answers

The legacy "high-3" retirement system for the uniformed services requires service members to serve 20 years of active duty.
The high-3 require its receivers give 'defined contribution', which include that they must complete various type of services for at least 20 years.

The first step toward better time management is to:

Answers

Set your goals/ what you need to accomplish

College entrance requirements can include all of the following except: A.) extracurricular activities. B.) letters of recommendation. C.) performance scores. D.) junior high school transcripts.

Answers

D) Junior high school transcripts.

Colleges don't care about anything before high school.

Before the invention of railroads, city neighborhoods contained a mix of different people because everyone:

Answers

Final answer:

Before the invention of railroads, city neighborhoods contained a mix of different people due to various reasons, such as migration to suburbs, living on the edges of cities, overcrowded conditions, racial discrimination, and later the rise of suburban life.

Explanation:

Before the invention of railroads, city neighborhoods contained a mix of different people because everyone:

Moved to new suburbs that sprang up around cities, using streetcars or horse-drawn transportationAttempted to live on the edges of cities away from the dirt, crowds, and noiseLived on the outskirts of cities because they couldn't afford to live far away from the cityLived in overcrowded and unsanitary conditions in tenement slumsFaced racial discrimination and housing shortagesConsidered suburban life with the introduction of electric railways and later the affordability of cars

This mix of factors contributed to a diverse and crowded urban population before railroads.

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Before the invention of railroads, city neighborhoods contained a mix of different people because everyone was within walking distance of where they worked. The correct answer is option is D.

In the pre-railroad era, most people had to live close to their places of employment due to the lack of efficient transportation options. This necessity created neighborhoods with a diverse mix of people from various classes and occupations, as living close to work was more important than social or economic segregation.

Walking Distance: Without railroads or other forms of mass transit, people needed to live near their workplaces to easily commute by foot, resulting in mixed neighborhoods.Neighborhood Diversity: The close proximity of homes and workplaces led to a natural integration of different social classes and occupations within the same neighborhoods.Proximity to Work: City neighborhoods were diverse because everyone needed to live within walking distance of their jobs.

The complete question is:

Before the invention of railroads, city neighborhoods contained a mix of different people because everyone:

A. enjoyed living near people from different classes.

B. enjoyed living near people of other races.

C. commuted a long distance for work.

D. was within walking distance of where they worked.

The first step in creating a cash flow statement is which of the following?
Recording financial goals

Recording expenses

Recording income

Recording tax information

Answers

I think the correct answer is the third option.  The first step in the creation of a cash flow statement is the recording of all incomes. A cash flow statement is one financial document that would show the changes in the balance sheets and the income, breaking the analysis into operating, financing and investing activities. It is calculated by making adjustments to the total income by subtracting or adding revenues. So, the first step should be related to collecting all data pertaining income and recording these data.

C. Recording income is the first step confirmed in the lesson

The contingency theory of leadership assumed that there are two kinds of leaders: ________ and ________ leaders. future-oriented; present-oriented orthodox; unorthodox task-oriented; relationship-oriented democratic-oriented; autocratic-oriented

Answers

The contingency theory of leader assumed that there are two kinds of leaders: TASK ORIENTED AND RELATIONSHIP ORIENTED LEADERS. A task oriented leader is one who is most concerned about getting jobs done than with the feeling of and relationship among his team. A relationship oriented leader is one who is primarily concerned with the feelings of his team members and their relationships with one another.

Suppose a country without any international trade opens its borders to international trade. after specialization how will its location on its production possibility frontier change

Answers

Opening up to international trade would lead a country to increasing its production and specialization of goods. For example, if a country opens international trade and some factories are making a household appliance, the instructions would need to be in the trade countries languages as well as the native language. The number of household appliances made would need to be increased to meet the growing need.

Which variance is directly impacted if a worker drops the raw material during production and the raw material must beâ discarded?

Answers

The variance that is directly impacted if a worker drops the raw material during production and the raw material must be discarded is the inventory variance. Since the raw material is now damaged, it should be replaced and this creates an inventory variance of a particular work center in production. Thus, they need to make an adjustment to correct the variance. 

For his persuasive speech supporting assisted suicide, saul decides to first provide a definition of the term and talk generally about the current status of the problem. then he plans to bring up individual incidents in which assisted suicides have prevented needless suffering for the victim. which strategy of supporting material organization is this plan reflecting?

Answers

This kind of method in arranging the supporting material is called:

“Specificity”

Specificity is the method either in which the specific information are grouped and offered first, followed by the general explanation or statistics, or the general explanation or statistics is given first and then followed with specific illustrations. In this case, Saul decides to give the general explanation first about assisted suicide then later on gives specific examples or illustrations to support further his material.

Who can approve the realignment of funds between activities that are below the level of control for that appropriation category and that does not require a reprogramming action?

Answers

THE PROGRAM MANAGER will approve the realignment. The program manager is able to approve this realignment because a reprogramming action is not required. If a reprogramming action is required, that meas the change will be substantial, in this case the program manager will not be qualified to approve the realignment. 

Final answer:

Program managers or department heads typically have the authority to approve the realignment of funds between activities that are below the level of control for that appropriation category and do not require a reprogramming action, following guidelines established by the government or the specific agency.

Explanation:

The realignment of funds between activities that do not require a reprogramming action and are below the level of control for that appropriation category can typically be approved by program managers or department heads within the governmental entity. The authority for these decisions is generally based on internal control regulations and budgetary guidelines established by the government or specific agency. In the context of the U.S. federal budget process, the appropriations process is a key step where Congress approves funding levels for federal programs. However, once the budget is passed and funds are appropriated, reallocation of these funds at a lower level of control often falls to the discretion of agency or program managers, provided it adheres to the overall framework established by the appropriation.

If there needs to be a significant shift in the allocation of funds that would affect the overall strategy or exceed established thresholds, this would require a formal reprogramming action which may necessitate approval from higher-level authorities such as a congressional committee. It's important to note that any such reallocation should align with the legal framework and the funds' intended purposes as per the initial budgetary legislation and subsequent appropriations act.

Solve the problem. round to the nearest dollar if needed. looking ahead to retirement, you sign up for automatic savings in a fixed-income 401k plan that pays 5% per year compounded annually. you plan to invest $3500 at the end of each year for the next 15 years. how much will your account have in it at the end of 15 years?
a. $77,295
b. $75,525
c. $76,823
d. $73,982

Answers

To know how much you'll have by the end of the 15th year, you need to calculate the future value of an annuity  as follows:

the future value of an annuity  = investment [( 1 + interest)^number of years -1)] / interest

Substituting with the givens, you can get the future value annuity as follows:
the future value of an annuity = 3500 [(1+0.05)^15 -1)]/0.05
                                               = 75524.97 $
The correct choice is (b)

Q - to raise awareness of what you’re advertising without limiting who might see your ads, you should:

Answers

 to raise awareness of what you’re advertising without limiting who might see your ads, you should: add multiple targeting methods and use the “Bid only” setting
The bid only setting oculd be used to target a specific demographic that is suitable for your product. For example, if you're selling baby's clothing, it will be more efficient to target the women between the age of 30-45 as your advertising target

The ________ model of mass communication looks at the process of mass communication by considering each of the elements of how a mass media message is sent and received

Answers

the transmission model

Taking time to organize frequently-accessed information so it's easily available is done by developing a(n): A. index of answers to questions.
B. database service.
C. pile of notes on your desk.
D. quick-list.

Answers

I believe the answer is B. Database Service, correct me if i'm wrong :)

Assume that a hypothetical economy with an mpc of 0.75 is experiencing severe recession. by how much would government spending have to rise to shift the aggregate demand curve rightward by $40 billion

Answers

When finance people talk about MPC, they refer to the Marginal Propensity to Consume. This is the ratio of the change in consumption to the change in income. When you plot income against consumption or spending, the slope is the MPC. In equation, it is:

MPC = ΔConsumption/ΔIncome

In this problem, MPC is 0.75 and ΔIncome is $40 billion. Therefore,

0.75 = ΔConsumption/$40 billion
ΔConsumption = $30 billion

Thus, the rise in government spending should be by $30 billion in order to achieve a MPC of 0.75.

If you had the condition phenylketonuria, which should you not use?

Answers

You shouldn't use aspartame.
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