a. To become a millionaire when you retire in 35 years with an annual return of 10.7%, you need to save approximately $752.06 per month. b. If you wait 10 years before starting your deposits, you would need to save around $2,552.22 per month. c. Waiting 20 years before beginning deposits would require saving approximately $9,770.57 per month.
To calculate the amount you need to save each month to become a millionaire when you retire in 35 years, we'll use the future value of an annuity formula.
a. If you start saving today and earn an annual return of 10.7 percent, the formula is:
PMT = [FV × r] / [(1 + r) ^ n - 1]
Where PMT is the monthly savings, FV is the desired future value ($1,000,000), r is the annual return rate divided by 12 (0.107/12), and n is the number of months (35 years × 12 months).
PMT = [1,000,000 × (0.107/12)] / [(1 + (0.107/12)) ^ (35 × 12) - 1]
Calculating this will give you the amount you need to save each month.
b. If you wait 10 years before you begin your deposits, you'll have a shorter time to save. The formula remains the same, but the number of months will be (25 years × 12 months).
c. Similarly, if you wait 20 years before you begin your deposits, the number of months will be (15 years × 12 months).
By substituting the appropriate values into the formula, you can find the monthly savings required for each scenario. Remember to round your answer to 2 decimal places.
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Question 14 (2 points)
Which career cluster involves hands-on occupations and possibly working outside?
Investigative
Realistic
Enterprising
Conventional
Answer: Enterprising
Explanation: Hands-on jobs are occupation that requires little education, it relate to the practice of learning from experience on the job rather than reading and learning from books. The career cluster of hands-on occupation includes; technicians, plumbers, woodwork, hygiene and catering workers etc.
Enterprising is characterized by great imagination and initiative with energetic to carry out work . Enterprising best fit hands-on career cluster.
(a) An amount of $100 is deposited into an account at the end of the 1st year, after which payments of $200, $400, $600,... are deposited at the end of every 2 years, that is, there will be a payment of $200 at time 3, a payment of $400 at time 5, and so on. The last payment will be made at the end of the 15th year. Determine the present value if the annual effective rate of interest is 2%. Round your answer to the nearest cent. [7] (b) An annuity-due consists of a first payment of $100, with subsequent payments increased by 7% over the previous one until the 10th payment, after which subsequent payments are level at the amount of the 10th payment. If the effective rate of interest is 7% per payment period, determine the present value of this annuity-due with 20 payments. Round your answer to the nearest cent
The present value of the series of uneven cash flows and the annuity-due with increasing and level payments can be calculated by discounting each cash flow back to the present using the respective effective rates of interest.
(a) To calculate the present value of the series of uneven cash flows, we need to discount each cash flow back to the present using the given annual effective rate of interest of 2%. The first cash flow of $100 at the end of the 1st year does not need to be discounted since it is already at the present time. The subsequent cash flows of $200, $400, $600, and so on, occur every 2 years. We can treat these cash flows as a series of regular cash flows of $200 at the end of every 2 years. We can use the present value of an ordinary annuity formula to calculate the present value of these cash flows:
Present Value = \($100 + $200/(1 + r)^2 + $200/(1 + r)^4 + $200/(1 + r)^6 + ... + $200/(1 + r)^30\)
where r is the annual effective rate of interest (2% in this case). By substituting the values and calculating the sum, we can find the present value of this series of cash flows.
(b) For the annuity-due with increasing payments followed by level payments, we need to calculate the present value of each payment and then sum them up to find the total present value. The first payment is $100 and subsequent payments increase by 7% over the previous one until the 10th payment. After the 10th payment, subsequent payments remain constant at the amount of the 10th payment. We can use the present value of an annuity-due formula to calculate the present value of these cash flows:
Present Value = \($100/(1 + r) + ($100 * (1 + g))/(1 + r)^2 + ($100 * (1 + g)^2)/(1 + r)^3 + ... + ($100 * (1 + g)^10)/(1 + r)^11 + ($100 * (1 + g)^10)/(1 + r)^12 + ... + ($100 * (1 + g)^10)/(1 + r)^30\)
where r is the effective rate of interest (7% per payment period) and g is the growth rate of subsequent payments (7% in this case). By substituting the values and calculating the sum, we can find the present value of this annuity-due with 20 payments.
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Last year, Sally had a gross profit margin of 68% in her hair salon. Her gross profit was $32,508. 63. How much did Sally make in net sales last year? a. $16,398. 06 b. $22,105. 87 c. $35,610. 25 d. $47,806. 81.
To find the net sales of Sally's hair salon, we need to calculate her total revenue generated in the year. Gross profit is defined as the amount of money a business earns after deducting the cost of goods sold (COGS).
It is typically represented as a percentage of total revenue. The formula for gross profit margin is: Gross Profit Margin = Gross Profit ÷ Total Revenue We know that Sally's gross profit margin was 68% and that her gross profit was $32,508.63. Let's use this information to find her total revenue:0.68 = $32,508.63 ÷ Total Revenue Total Revenue = $32,508.63 ÷ 0.68 Total Revenue = $47,806.81
Therefore, Sally's net sales for the year were $47,806.81. Hence, the correct option is d. $47,806.81.
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To determine a credit score, debt, available credit and total assets are all part of the
calculation. It is important to have the ability to calculate total assets to improve a credit
score. The Smith family has a net worth of $100,000 and liabilities equaling $67,000, what is
the amount of their assets?
$100,000
O $67.000
O $33,000
O $167,000
Answer:
Net assets of smith family = $167,000
Explanation:
Given:
Net worth of smith family = $100,000
Net liabilities of smith family = $67,000
Find:
Net assets of smith family
Computation:
Net assets = Net worth + Net liabilities
Net assets of smith family = Net worth of smith family + Net liabilities of smith family
Net assets of smith family = $100,000 + $67,000
Net assets of smith family = $167,000
The chart shows a sample paycheck stub.
A 2-column table has 6 rows. The first column has entries Salary, Federal income tax, social security tax, medicare tax, state income tax, and net pay. The second column has entries 1106.45, 122.67, 68.60, 16.04, 10.33, and 888.81.
The chart shows that federal and state taxes are
added to employee pay.
withheld from employee pay.
refunded in employee pay.
filed through employee pay.
Answer:
withheld from employee pay.
Explanation:
The term withheld means that the employer deducts the taxes from the employee's pay when processing the payroll. By withholding, the money meant for taxes will not get to the employees' accounts.
The employee's gross pay is $1,106. 45. the next pay is $888.41. the employer must have made some deductions that have reduced the net pay to $888.41. These deductions are the tax amounts that have been withheld by the employer.
the philosophy of top corporate executives exercises great influence on a firm’s stance on unionization. (True or False
The statement "the philosophy of top corporate executives exercises great influence on a firm's stance on unionization" is True because their personal beliefs and values can influence the firm's overall approach towards labor relations and collective bargaining.
Top corporate executives play a significant role in shaping a company's policies and strategies, including their stance on unionization.
The philosophy and beliefs of top corporate executives can greatly impact a company's attitude towards unionization. Executives who prioritize profit over employee well-being may be more likely to oppose unionization, while those who value worker empowerment and fair treatment may be more open to it. Ultimately, the stance on unionization is a reflection of the company's overall values and priorities, which are shaped by its leadership.
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Joni, a college student, has $400 worth of expenses monthly. How much should she save be financially secure?
Answer:
200 i think sorry if im wrong
Explanation:
Select the correct answer.
Which of the following is a one of the steps of the Sale Management by Objective (SMBO) approach?
A. setting coordinated goals for salespeople
B. following up with customers
C. differentiating products from competitors
D. ceasing communication with customers that do not pay
E. ignoring unwanted customers
Answer:
A) Setting coorinated goals for salesperson
Explanation:
correct me if Im wrong.
Answer:
A
Explanation:
being able to buy goods online make it more likely or less likely to specialize?
The likelihood of specializing in e-commerce depends on whether one can purchase products online.
E-commerce: what is it?Electronic commerce, or e-commerce, refers to the purchasing and selling of goods and services as well as the sending of money or data over an electronic network, most commonly the internet. These commercial exchanges take place either in a business-to-business (B2B), business-to-consumer (B2C), consumer-to-consumer, or consumer-to-business (C2B) setting.
There is a lot of overlap between the phrases e-business and e-commerce. The transactional procedures that go into conducting an online retail transaction are also referred to as "e-tail" at times. Internet technology underlies e-commerce. Utilizing their own devices, customers can browse an online store's inventory and place orders for goods or services.
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¿ Cómo se organizaron las vacunas del coronavirus ?
Answer:
In recent months, the World Health Organization (WHO) has warned that the lack of access to vaccines in Africa, where less than 5 percent of the ...
Explanation:
Percent of Sales Method At the end of the current year, Accounts Receivable has a balance of $405,000; Allowance for Doubtful Accounts has a debit balance of $3,500; and sales for the year total $1,820,000. Bad debt expense is estimated at 1/4 of 1% of sales. 1. Determine the amount of the adjusting entry for uncollectible accounts.2. Determine the adjusted balances of Accounts Receivable, Allowance for Doubtful Accounts, and Bad Debt Expense. Accounts Receivable Allowance for Doubtful Accounts Bad Debt Expense 3. Determine the net realizable value of accounts receivable.
The amount of the adjusting entry for uncollectible accounts can be calculated by multiplying the sales for the year by the estimated bad debt expense rate. In this case, the bad debt expense is estimated at 1/4 of 1% of sales.
Sales * Bad debt expenditure rate = Bad debt expense
Bad debt expense = $1,820,000 * (1/4) / 100
Bad debt expense = $4,550
Therefore, the amount of the adjusting entry for uncollectible accounts is $4,550.
We must consider the current balances as well as the adjusting entry to obtain the adjusted balances of Accounts Receivable, Allowance for Doubtful Accounts, and Bad Debt Expenses.
Accounts Receivable:
Adjusted balance = Beginning balance + Sales - Collections
Adjusted balance = $405,000 + $1,820,000 - Collections (unknown)
Allowance for Doubtful Accounts:
Adjusted balance = Beginning balance + Adjusting entry
Adjusted balance = $3,500 + $4,550
Adjusted balance = $8,050
Bad Debt Expense:
Adjusted balance = Adjusting entry
Adjusted balance = $4,550
The net realizable value of accounts receivable is calculated by deducting the Allowance for Doubtful Accounts from the Accounts Receivable.
Net realizable value = Accounts Receivable - Allowance for Doubtful Accounts
Net realizable value = $405,000 - $8,050
Net realizable value = $396,950
Therefore, the net realizable value of accounts receivable is $396,950.
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What is the amount of cash that should appear on the balance sheet as of june 30?
The amount of cash to be reported on the balance sheet at June 30 is the "adjusted balance appearing in the bank reconciliation for June 30." Therefore, option B is correct.
The amount of cash reported on the June 30th balance sheet should be based on the reconciliation balance shown in the bank reconciliation. Bank reconciliation considers all outstanding checks, deposits in transit, bank errors, and other reconciliation entries to ensure that reported cash balances are accurate and reflect the company's actual cash position.
Therefore, reconciled bank reconciliation balances are the most reliable and accurate representation of cash balances to be reported on the balance sheet.
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The complete question is:
The amount of cash to be reported on the balance sheet at June 30 is the A. total of the Cash column in the cash receipts journal as of June 30
B. adjusted balance appearing in the bank reconciliation for June 30.
C. balance as of June 30 on the bank statement.
D. total of the Cash column in the cash payments journal as of June 30
Monopolistically competitive markets and perfectly competitive markets share some similarities but differ in a number of ways. One
such difference between the two is that monopolistically competitive firms (1 point)
Answer:
feature differentiated products
Explaination:
i just took the quiz
Answer: feature differentiated products
Explanation:
What does an exchange rate tell you?
A. How many products have been exchanged between two different countries
B. The number of people in one country in comparison to another country
C. How much one unit of currency is worth when converted to another currency
D. The speed that people are buying a specific type of product
Answer:
C. How much one unit of currency is worth when converted to another currency
It tells you: C. How much one unit of currency is worth when converted to another currency.
a major industrialized state has a state corporate tax rate of 9.6% of taxable income. if a corporation has a state taxable income of $275,000, what is the total state and federal income tax it must pay? also, compute its combined incremental state and federal income tax rate.
The answer to the question indicates that the total taxable income is $2,60,600 and that the total marginal rate of federal, state, and local income taxes is 44.86%.
What does "income tax" mean?Both people and businesses must pay the entire (or family units). Individual tax rates are computed based on the money received. Typically, it is categorized as a tax since the burden is thought to fall on the people who pay it.
Briefing :The local tax can be calculated as follows:
State Tax = $275,000 * 0.096
State Tax = $26,400
You can estimate your federal taxable income as follows:
The federal taxable income = $275,000 - $14,400
The federal taxable income = $2,60,600
The tax rate for salaries between 100,000 and 335,000 is now 39%, or 22,250 + 39% above 100,000, as shown in the table also with federal tax rates. Thus,
Federal Tax = $22,250 + 0.39 ($2,60,600 - $100,000)
Federal Tax = $84,884
Therefore,
Total Tax = Federal Tax Plus All State Taxes
Total Tax = $14,400 + $84,884
Total Tax = $99,284
Hence,
The combined incremental state and federal income tax rate = 0.096 + 0.39 (1 - 0.096)
The additional federal and state income tax rate is equal to 0.4486 percent, or 44.86%.
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What does setting a personnel policy before hiring employees allow you to do?
A. Provide employee salary information
B. Establish length of employment for each company department
C. Set expectations for employee behavior
D. Establish records of employee work behavior
Answer:
D
As it helps in appraising the employees weekly, monthly, or yearly work behavior.
chloe is planning to open a restaurant. before proceeding with the plan, she collects data on the operating standards of one of her favorite restaurants that inspired her to open her own restaurant. this is an example of .
It is an example of Benchmarking.
A restaurant is a business that prepares and serves food and drinks to clients. Food is generally served and eaten on the premises, however many restaurants also provide take-out and meal transport offerings.
It affords a sense of camaraderie and community. There are usually positive restaurants in any city that everybody knows. Now not most effective do they recognize the location, but they understand those who paintings there or very own it. In some approaches, the feel of community created makes the eating place as important to locals as their personal kitchens.
A restaurant is especially divided into areas: provider and manufacturing.
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Relationship between public and private sector in mixed economy?
Answer:
Mixed economy is referred to the economic system in which both public sector and private sector coexist. In this type of economic system, private sector as well as the state direct the economy and the means of production is shared between them.
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Which of the following can eliminate the inefficiency inherent in monopoly pricing?A)arbitrageB)cost-plus pricingC)price discriminationD)regulations that force monopolies to reduce their levels of output
C) Price discrimination can eliminate the inefficiency inherent in monopoly pricing.
To eliminate the inefficiency inherent in monopoly pricing, price discrimination can be used.
This strategy involves charging different prices to different consumers or consumer groups based on their willingness to pay.
By doing so, a monopolist can capture more consumer surplus and convert it into producer surplus, which in turn reduces the inefficiency associated with monopoly pricing.
This allows the monopolist to increase their profits and allocate resources more efficiently in the market.
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The new project team is confused about the difference between the project charter and the project management plan. Which of the following is not true about the project charter?
A project charter is authorized by executive management or the sponsor
A project charter comes before the business case
A project charter defines the purpose of the project
A project charter identifies and authorizes the project manager to run the project
"A project charter comes before the business case." The project charter is not a detailed plan or a comprehensive document that outlines specific project management processes and activities.
The project charter serves as an essential document that formally authorizes the existence of a project and provides high-level information about its objectives, scope, stakeholders, and initial requirements. However, it is important to note that the project charter does not contain detailed project management plans or specific methodologies.
High-level overview: The project charter focuses on providing a concise and high-level overview of the project, outlining its purpose, goals, and stakeholders.
Authorization: The project charter is typically developed early in the project lifecycle and is used to obtain formal approval and authorization to proceed with the project.
Scope and boundaries: The project charter identifies the project's scope by defining what is included and what is not.
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Which of these are considerations that go into pricing a company's product? (Select all that apply.)
Price of getting the product to the market
How much tax the consumer pays as an end user
Price of labor to make the product
Price of raw materials
Answer:
All EXCEPT How much tax the consumer pays as an end user
Explanation:
All the options except how much tax the consumer pays as an end user are considerations that go into pricing a company's product.
What is pricing?Pricing is the process by which a company determines the price at which it will sell its products and services. It may be part of the company's marketing strategy. When determining prices, the company will consider the cost of acquiring the goods, the manufacturing cost, the marketplace, competition, market condition, brand, and product quality.
Pricing is an important aspect of product management and one of the four Ps of the marketing mix, along with product, promotion, and place. Among the four Ps, price is the only one that generates revenue.
Therefore, price of getting the product to the market, price of labor to make the product, price of raw materials are the considerations that go into pricing a company's product.
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Mr. Benjamin salgado invested his savings to salgado and delgado construction corporation amounting to php500,000 in cash and equipment worth php250,000.00
Answer:
Mr. Benjamin has invested total php 750,000 in Salgado and Delgado construction corporation.
Explanation:
The investment made by Mr. Benjamin in cash and as an equipment both will be considered as investment made in the company. The percentage of stake will be calculated by considering both forms of investments. Mr. Benjamin will have controlling stake in Salgado and Delgado corporation. The company can receive dividends according to percentage of stake declared by the company.
What tools should you typically use as sources of information when creating a process map?
Actions, activity phases, decision points, functions, inputs/outputs, persons involved, process metrics, and time necessary are important components of process mapping.
What are the process mapping tools?A process map is a tool for planning and management that illustrates the progression of work. Process maps, created with process mapping software, display a sequence of actions that lead to a certain outcome. Flowcharts, process flowcharts, process charts, functional process charts, functional flowcharts, process models, workflow diagrams, business flow diagrams, and process flow diagrams are other names for a process map.
Process mapping helps businesses and organizations become more efficient. Process maps offer an understanding of a process, assist teams in coming up with suggestions for process improvement, better communication, and give documentation of the process. Process mapping will reveal delays, recurrence, and bottlenecks. They aid in establishing the parameters, owners, roles, and metrics for measuring the effectiveness of processes.
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time remaining 01:55:23 why might variable expenses change a great deal at different times of year? heating and cooling costs might vary considerably. income taxes and withholdings may increase or decrease. car loan payments become higher in certain seasons. discretionary spending may rise when fixed expenses rise.
Variable expenses can fluctuate significantly at different times of the year due to various factors. Some of these factors include varying heating and cooling costs, changes in income taxes and withholdings, seasonal fluctuations in car loan payments, and an increase in discretionary spending when fixed expenses rise.
Variable expenses are costs that change based on usage or circumstances and are not fixed. These expenses can vary greatly at different times of the year due to specific factors. One factor is the fluctuation in heating and cooling costs. During the colder months, heating expenses tend to increase, while during the warmer months, cooling expenses may rise. These variations in temperature and weather conditions directly impact utility bills and can cause significant changes in variable expenses.
Another factor that can affect variable expenses is income taxes and withholdings. Tax rates and regulations may change annually, leading to variations in the amount withheld from an individual's paycheck. This can result in changes in disposable income, impacting spending patterns and variable expenses.
Car loan payments can also be influenced by seasonal factors. In some cases, lenders may offer different payment options or incentives during certain times of the year. For example, some car loan payments may be higher in specific seasons due to promotional rates or additional fees associated with maintenance and insurance during those periods.
Additionally, discretionary spending, which includes non-essential purchases and activities, may rise when fixed expenses increase. Fixed expenses such as rent or mortgage payments, insurance premiums, or school fees can put a strain on the budget, leading individuals to allocate more funds toward discretionary items. This can result in fluctuations in variable expenses, as discretionary spending tends to be more flexible and can change based on individual preferences and financial circumstances.
Variable expenses can change significantly at different times of the year due to various factors. Fluctuations in heating and cooling costs, changes in income taxes and withholdings, seasonal variations in car loan payments, and the impact of fixed expenses on discretionary spending all contribute to the variability of these expenses. Understanding these factors is essential for effective budgeting and financial planning.
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Variable expenses change at different times of year due to seasonal changes affecting heating and cooling costs, fluctuations in income taxes and withholdings, and variations in discretionary spending.
Explanation:Variable expenses can change significantly during different times of the year due to a host of factors. One major reason is seasonal changes that can influence heating and cooling costs. For instance, during winter, heating costs may soar, while in the summer, the expense of air conditioning can increase. Income taxes and withholdings can also affect variable costs, as changes to income or tax regulations can lead to fluctuations. Furthermore, discretionary spending may rise during certain periods when other financial burdens are lessened or during holiday seasons when spending traditionally increases. Car loan payments typically remain fixed, and wouldn't normally contribute to fluctuation in variable expenses.
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PLEASE HELP ASAP!! CORRECT ANSWER ONLY PLEASE!!!Type the CORRECT answer in the box.
Round your answer to the nearest hundredth, if necessary.A basket of goods costs $85 in year 1. If the same basket costs $90 in year 2, what is the CPI for year 2?
The CPI for year 2 is ___.
Answer:
105.88
Explanation:
The consumer price index measures the changes in price of a basket of good. It is used to measure inflation.
CPI = Current year price / base year price x 1000
90/85 x 100 = 105.88
Answer:
105.88
Explanation:
(Economics)How is the equilibrium price found using a supply and demand graph
On a graph, the point where the supply curve (S) and the demand curve (D) intersect is the equilibrium. ... At any other price, the quantity demanded does not equal the quantity supplied, so the market is not in equilibrium at that price.
Answer:
It is found where the supply curve meets the demand curve
Explanation:
just took the test
Jared helps people plan for retirement, so they have enough to live on when they're old. He is:
ОА. .
A bank teller
OB.
A bank manager
OC.
A financial planner
OD. A business analyst
Answer:
A financial planner
Explanation:
A financial planner is an expert in budgeting and money management matters. They help individuals and companies plan and achieve long term financial objectives. A financial planner assesses the client's financial aspects such as income, investment, savings, and expenditure and advice them accordingly.
Jared must be a financial planner. His responsibilities revolve around assisting people in making long-term financial plans.
Answer:
A fincaall
Explanation:
The Department of Labor’s Occupational Outlook Handbook is relatively expensive and not available for use by the general public.
True
False
Answer: false
Explanation: just got it right
what are the drivers of the expansion of crowdlending
and what are the opportunities and challenges of
marketplaceending
The expansion of crowdlending is driven by several factors.
1. Access to capital: Crowdlending provides an alternative source of funding for individuals and businesses who may not qualify for traditional loans from banks. It allows borrowers to access capital directly from a pool of lenders, often at competitive interest rates.
2. Technology and online platforms: The growth of the internet and digital platforms has made it easier for lenders and borrowers to connect and transact. Online platforms facilitate the entire lending process, from loan origination to repayment, making it more convenient for both parties involved.
3. Diversification of investment portfolios: Crowdlending offers an opportunity for investors to diversify their investment portfolios by allocating funds to a variety of loans across different sectors and risk levels. This diversification can help spread risk and potentially increase returns.
4. Transparency and trust: Many crowdlending platforms prioritize transparency and provide detailed information about borrowers and their creditworthiness. This transparency helps build trust between lenders and borrowers, making crowdlending a viable option for both parties.
Marketplace lending, also known as peer-to-peer lending, has its own set of opportunities and challenges.
Opportunities of marketplace lending:
1. Increased access to credit: Marketplace lending can provide individuals and businesses with access to credit that may not be available through traditional banking channels. This can be particularly beneficial for borrowers with limited credit history or those in underserved markets.
2. Competitive interest rates: By connecting borrowers directly with lenders, marketplace lending can eliminate the need for intermediaries and reduce costs. This can result in lower interest rates for borrowers compared to traditional lending options.
3. Flexibility and customization: Marketplace lending platforms often offer more flexibility in loan terms and repayment options compared to traditional lenders. Borrowers can customize their loan terms to better suit their financial needs.
Challenges of marketplace lending:
1. Risk assessment: Marketplace lending relies on accurate risk assessment to ensure lenders are making informed investment decisions. Evaluating the creditworthiness of borrowers can be challenging, especially for individuals or small businesses with limited financial histories.
2. Regulatory concerns: As marketplace lending has gained popularity, regulators have begun to impose stricter regulations to protect both lenders and borrowers. Compliance with these regulations can be a challenge for marketplace lending platforms, which may need to invest in systems and processes to meet regulatory requirements.
3. Investor education: Marketplace lending is still a relatively new concept, and many potential investors may not fully understand the risks and rewards associated with this type of investment. Educating investors about the potential risks and rewards is crucial to ensure informed investment decisions.
In summary, the expansion of crowdlending is driven by factors such as access to capital, technology, diversification of investment portfolios, and transparency. Marketplace lending provides opportunities for increased access to credit, competitive interest rates, and customization. However, challenges include risk assessment, regulatory concerns, and investor education.
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this form will be sent to Lily by the end of January. She will use this form to...
Answer:
\(\large\colorbox{white}{File her income taxes}\)
Explanation:
\(\large\colorbox{orange}{ɪ ʜᴏᴘᴇ ɪᴛ ʜᴇʟᴘs}\)
\(\large\colorbox{lime}{Xxᴊᴀsʜ13xX}\)