It will take 15 years 10 months to reach the goal.
An ordi-nary annuity is an annuity in whi-ch the cash flows, or pay-ments, occur at the end of the period.
Solution :
The Fixed depo-sits are in the form of an ordinary annuity.
The Fut-ure Value of this Ordinary Ann-uity must be $207,819.47 ($250,000 - $42,180.53)
Thus find num-ber of years that the fixed dep-osits would amount to $207,819.47.
Using a Fina-ncial Calculator enter the follow-ing data to calculate the period, N.
PMT = $5,000
P/yr = 1
r = 12 %
FV = $207,819.47
N = ?
Thus the number of years, N it takes to to reach your goal is 15.7921 or 15 years 10 months.
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which of the following items is most likely a short-term liability?
A. Bonds payable
B. Deferred income taxes
C. Finance lease covering 30-year term
D. Accounts payable
Account payable items is most likely a short-term liability.
Bonds payable, a 30-year finance lease, and deferred income taxes would all be paid overtime; therefore they are not current obligations.
nonetheless, accounts payable is probably a current liability.
What is finance lease?
A finance company is typically the legal owner of the asset for the duration of the lease in a finance lease, also known as a capital lease or a sales lease. The lessee has operational control over the asset as well as a portion of the financial risks and rewards associated with changes in the value of the underlying asset.
In further detail, it is a business relationship in which
The asset (equipment, software) will be chosen by the lessee (client or borrower);
The lessor (financial institution) will buy that asset;
Throughout the lease, the lessee will have access to that asset;
For the usage of the asset, the lessee will pay a series of rents or payments.
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Allen: Mary, you say something is missing; you feel alone and stalemated when you look at yourself from a deeper level. There's something missing for you . . . (pause) . . . There's something missing that's meaningful.
What is the microskill used?
a. Closed question
b. Open question
c. Encourager/restatement
d. Paraphrase
e. Reflection of feeling
f. Summary
g. Reflection of meaning
Answer:v
Explanation:
v
Gain sharing is an employee benefit that provides
Gainsharing empowers employees to select how to improve their individual and collective performance. It also broadens employees' attention beyond their personal interests.
Gainsharing a contract that defines the vendor's commitment to the client in terms of particular business advantages. A contract of this type also specifies the payment the client will make based on the vendor's performance in delivering specified business advantages. A profit-sharing plan not only inspires employees to give their best effort, but it also instils in them a sense of accomplishment at work. This has secondary benefits such as fewer staff attrition and, as a result, less time and money spent on training new employees.
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Market research can help entrepreneurs _____.
When we have a product on the market and we want to investigate it, we must establish a research objective to direct all our actions to achieve that objective as shown in the following example:
If we have a product and we see problems in its sale, the most appropriate thing would be to carry out a market investigation in which we can identify the origin of the problem (why my product is not sold - objective)
What is marketing research?
Marketing research is "a process or combination of procedures that links producers, customers, and end consumers to the marketer through data used to discover and define market opportunities and issues; develop, improve, and evaluate marketing actions"
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Macmillan L
Price per pound
CPI
$7
123
$13
155
What is the inflation rate between 2010 and 2011?
2010
2011
2.07% each year
Worth of $100 from 2011 to 2012
The dollar had a typical expansion pace of 2.07% each year somewhere in the range of 2011 and 2012, creating a combined cost increment of 2.07%. This implies that costs in 2012 are 1.02 times higher than normal costs beginning around 2011, as per the Department of Work Measurements customer cost file.
What is the recipe for expansion utilizing CPI?
To start with, deduct the CPI from the very outset date (A) from the later date (B), and gap it by the CPI for the starting date (A). Then, at that point, increase the outcome by 100 to get the expansion rate.
What is expansion rate model?
The rate lets you know how rapidly costs rose during that period. Gas costs will be 2% higher one year from now in the event that the expansion rate for a gallon of gas is 2% each year. That implies a gallon of gas that costs $2.00 this year will cost $2.04 one year from now.
Is CPI equivalent to expansion?
Ordinarily, costs ascend over the long haul, however costs can likewise fall (a circumstance called flattening). The most notable mark of expansion is the Buyer Value List (CPI), which estimates the rate change in the cost of a bin of labour and products consumed by families.
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A four-day workweek typically requires employees to work ________.
A. four ten-hour days
B. five eight-hour days
C. four four-hour days four
D. twelve-hour days
After taking guitar lessons for a short period of time, you can state that you are developing a(n) ____ for playing a guitar.
A. aptitude
B. skill
C. repetition
D. all of the above
Edge. EXAM
HELP!!! BEING TIMED
1. A four-day workweek typically requires employees to work A. four ten-hour days
2. After taking guitar lessons for a short period of time, you can state that you are developing a(n) aptitude for playing a guitar.
What is an aptitude?An aptitude is a component of competence to perform a specific type of work at a specific level. Outstanding aptitude can be classified as "talent." Aptitude is the inborn ability to perform specific types of activities, whether physical or mental, developed or undeveloped.
Aptitudes are a person's innate talents and abilities for learning or doing certain things in various areas. A person's ability to carry a tune, for example, is considered an aptitude. Most people have a variety of related skills, such as singing, reading music, and playing an instrument.
It should be noted that there are typically 40 working hours in a week. Therefore, if there are 4 working days. The number of hours worked will be:
= 40/4
= 10
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Disney’s expansion from short films to animated films to live action films to television is an example of
A.)expansion into new geographies by leveraging a core capability.
B.)expansion into new markets by leveraging a core capability.
C.)expansion into new geographies by leveraging assets.
D.)expansion into vertical markets by leveraging a core asset.
E.)expansion into vertical markets to address critical supplier power.
Market expansion through utilizing a core competency is the reason behind Disney's diversification.
A company's competitive edge in the market is derived from its core capabilities, which set it apart from its rivals. Instead of physical or monetary assets, a company's set of abilities or knowledge in a particular field is typically referred to as its core competency. The strategic strength of an organization is its core competency. Honda's engine and propulsion systems, for instance, are a key strategic advantage. Sony's primary area of expertise is miniaturization. The areas of logistics and customer support are fundamental competencies for Federal Express.
Find the underlying talent, ability, knowledge, experience, technology, or procedure that enables your organization to offer its distinct range of goods or services when identifying your company's core competencies. Find ways to leverage the core strengths of your business to create strategic responsiveness and acquire a competitive edge.
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when a firm uses cross-docking technique: must be staged for shipping typically moves directly from receiving to shipping always is tagged for shipping is considered short movement freight
When a firm uses cross-docking technique it typically moves directly from receiving to shipping.
By swiftly switching freight from one mode of transportation to another at the docking facility, a cross-docking strategy reduces warehousing activities and labor. This process ensures quicker fulfillment times and cost savings.
Cross-docking can assist in lowering the cost of transportation. Less wasted kilometers result from better routing, which lowers fuel expenditures and related car maintenance expenses. Cross-docking also reduces the cost of fixed assets. Cross-docking uses up less space in the facility.
5 Types of Cross Docking Services
Manufacturing cross docking:Distributor Cross Docking:Transportation cross docking:Retail cross docking:Opportunistic cross docking:to know more about cross-docking technique visit
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what shapes would you generally expect each of the following cost curves to have: fixed costs, variable costs, marginal costs, average total costs, and average variable costs?
Shapes would i generally expect each of the following cost curves to have
fixed cost: straight horizontal line (it's the y-intercept)variable costs: U-shaped (?)marginal costs: J-shapedaverage total costs: U-shapedaverage variable costs: U-shaped (below ATC)A cost curves is a graph of the charges of manufacturing as a feature of total quantity produced. In a loose market economy, productively efficient companies optimize their manufacturing manner by minimizing fee consistent with each possible stage of manufacturing, and the end result is a value curve.
The total fee curves (TC and ATC curves) are tormented by a fee change for any component of manufacturing. We make no distinction among constant and variable expenses in the long run as long as the longer term average general value curve (LRAC) is declining, then inner economies of scale are being exploited.
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Suppose you are filling out an annual self-evaluation and you are asked how you can demonstrate that you have continued to learn current research related to the field you work in. What would best demonstrate this?
additional classes
finishing projects
attending meetings
renewing certification
For this project, you will conduct your own informal study to observe one part of the facial feedback theory firsthand. For one week (seven days), you will survey and record people’s moods. You will be mimicking the first two parts of the facial feedback research study conducted by Kleinke, Peterson, and Rutledge. Be sure you understand how the study conducted by Kleinke, Peterson, and Rutledge was executed. You may wish to listen to the case study again or conduct your own research about facial feedback studies. You will compile your results and reflect on your findings in a written paper
The study of human behavior is called psychology.
The facial feedback theory is defined as the reading the expression of the person for his behavior.
No one wants to make someone unhappy by saying something. Therefore, everyone smiles at the situation they do not want to answer and don't want to make them feel hurt.
According to the facial feedback hypothesis, people's emotional experiences are influenced by their facial expressions. Smiling, for example, should make people feel happier, while frowning should make them feel sadder.
A smile and happy face represent a good response
Bad face represents bad response
Hence, everyone showed with a smiling face
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When preparing an estimated value of contents list for your renter's insurance, which of the following would you include on that list?
Answer: all of the above
Explanation:
renters insurance policies list your name and the address of the home you lived in and typically offer Personal Property Coverage (Coverage C), to cover the cost to clean or replace your belongings, and Loss of Use Coverage (Coverage D) for additional living expenses you incur until you find a replacement home or ...
television
computer
stereo
Answer:
Renters insurance policies list your name and the address of the home you lived in and typically offer Personal Property Coverage (Coverage C), to cover the cost to clean or replace your belongings, and Loss of Use Coverage (Coverage D) for additional living expenses you incur until you find a replacement home or
Explanation:
Which are possible employers in the Financial career cluster? Check ALL that apply.
O private company
O government
O nonprofit organization
bank
Ostock market
Quants are particularly sought-after in the trading sector, where they use algorithms to pinpoint the most profitable trading opportunities.
What are the possible employers in the Financial career?Asset managers, banks, hedge funds, insurance companies, and private equity firms all use quants to help with opportunity and risk detection.
Retail sales, insurance services, banking and related services, and business financial management.
Therefore, Employees can work for themselves in the insurance sales, tax preparation, financial planning, and investment management industries.
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Very low unemployment is not usually desirable because
a. Competition for workers leads to wage increases which can lead to price increases.
b. The more people are employed, the fewer are on welfare.
c. This causes employers to bring in illegal immigrants to fulfill their labor needs.
d. The number of foreign competitors will flood the market with substitute goods.
Very low unemployment is not usually desirable because competition for workers leads to wage increases which can lead to price increases. Thus, option (a) is correct.
What is unemployment?The term unemployment refers to the person are not occupied in job activity. The person is searching for job with the basis of qualification, experience, and knowledge basis. Unemployment is the drawback of the economy system.
According to government data, lower unemployment levels suggest that there are more workers, which leads to higher inflation and worse production. There are graphs that indicate the bad outcomes.
Therefore, option (a) is correct.
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Wanda Sotheby purchased 185 shares of Home Depot stock at $72 a share. One year later, she sold the stock for $82 a share. She
paid her broker a commission of $47 when she purchased the stock and a commission of $54 when she sold it. During the 12 months
she owned the stock, she received $144 in dividends. Calculate Wanda's total return on this investment.
Dur-ing the 12 months she own-ed the stock, she rece-ived $144 in dividends. Wan-da's total return on this investment is $1,893.
What Is Return on Investment (ROI)?Return on investment (ROI) is a perform-ance measure used to evalu-ate the efficiency or profitability of an invest-ment or comp-are the efficiency of a number of differ-ent investments. ROI tries to directly mea-sure the amount of return on a part-icular investment, relat-ive to the investment’s cost.
Solution:
1. Total cost of purchase
= (Price per sh-are × Number of sha-res) + Com-mission
= ($72 × 185) + $47
= $13,367
2. Total sale pro-ceeds = (Price per share × Num-ber of shares) - Com-mission
= ($82 × 185) - $54
= $15,116
3. Total return = Dividends + Capital gain
= $144 + ($15,116 - $13,367)
= $1,893
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Will Social Security be around for you? Why or why not? What is the problem? Will the problem last? How can it be fixed? Will Social Security go away! What are the political implications?
(One paragraph answer)
Yes I believe that social security would still be around for me. The reaosn it would be around is due to the fact that people still continue to pay taxes and this is what is used to fund these programs.
The problem is that there is rising unemployment in the nation. If a policy that is implemented to create jobs exists, the problem would have to go away.
No it would not go away. So there would be no negative implications.
What is social security?Any scheme of social protection established by law or other legally required arrangement that offers people some degree of financial security when faced with the contingencies of old age, survivorship, incapacity, disability, unemployment, or childrearing is referred to as social security. Access to curative or preemptive medical care may also be provided.
Pensions for the elderly, disabled, and survivors are the most prevalent type of program worldwide. Programs for benefits for work-related illnesses and injuries, sickness and maternity, family allowances, and unemployment are next in popularity.
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Which of the following measures is considered the fundamental determinant of market value for income-producing properties?
A) net operating income
B) potential gross income
C) operating expenses
D) capital expenditures
The Fundamental determinant of market value for income producing properties is net operating income. Option A is correct
An income property is one that has been created or acquired specifically to generate revenue. As a result, investing in rental properties may be wise. They are made up of rented residential structures like single-family houses or flats. Because the developers earn from their sale, commercial buildings, office buildings, and retail centers are all regarded as income properties. In the real estate industry, a project's expected net operating income is used to assess it. Net operating income (NOI), which is the money left over after operational expenditures have been subtracted, is used to determine the likelihood that a commercial property will be profitable. NOI techniques are used to determine a property's cash flow after all essential costs have been paid.
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how might the inflation tax explain the creation of inflation by a central bank?
The inflation tax can be used to give an explanation of how the inflation in an economy may be deliberately created by a government.
How does inflation tax occur?Let's say the government requires funding for initiatives. The government is then given money that the central bank has printed to fund initiatives. The market's overall money supply rises as a result. Furthermore, inflation rises.
As a result of inflation, you will now receive fewer goods for the same amount of money. Indirectly, the central bank transferred money from you to the government for use. You will have the same amount of money as before in this situation. However, using that money will allow you to purchase fewer goods than previously. Therefore, it is a type of tax known as an inflation tax.
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please please please help me
a) A decrease of 7.9% in material (supply-chain) costs is required to yield a profit of $40,000, for a new material cost of $58,000.
b) An increase of 3.6% in sales is required to yield a profit of $40,000, for a new level of sales of $145,000.
How are the percentages determined?For the supply chain improvement, we can increase the profit to $40,000 by reducing the cost of materials to $58,000 ($63,000 - $5,000).
This reduction translates to a 7.9% cost improvement ($5,000/$63,000).
We apply the break-even sales revenue with the target profit for the sales strategy.
This analysis shows that Sales revenue needs to increase to $145,000, which is a 3.6% ($145,000 - $140,000/$140,000) improvement.
Current profit level = $35,000
Expected profit level = $40,000
Percent Supply % Sales
Current Situation Amount ($) of sales Chain Strategy
Sales 140,000 $140,000 $145,000
Cost of material 63,000 (45%) 58,000 41.4% 63,000
Production cost 35,000 (25%) 35,000 25% 35,000
Contribution margin 42,000 (30%) $47,000 33.6% $47,000
Fixed cost 7,000 (5%) 7,000 5% 7,000
Profit 35,000 (25%) $40,000 28.6% $40,000
a) Percentage improvement in supply chain strategy = 7.9% [1 - ($63000 - $5,000/$63,000 x 100)]
The cost of the material with a $40,000, profit will be $58,000 ($63,00 x 1 - 7.9%).
b) Percentage improvement in the sales strategy = 3.6%
Break-even Sales = Fixed Costs + Target Profit/Contribution margin ratio
= $7,000 + $40,000/32.4%
= $25,000/32.4%
= $145,000
Required improvement in the sales strategy = 3.6% ($5,000/$140,000 x 100)
Sales with an improvement of 3.6% = $145,000 ($140,000 x 1.036)
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3.2.2 Quiz: The Function of Money
Question 6 of 10
In order for money to work properly, there can be only a certain amount of it in
the economy and there must be rules on who can print it. This is an element
of which characteristic of money?
A. Limited supply
B. Divisibility
C. Uniformity
O D. Acceptability
SUBMIT
The many forms of cash in an economy should resemble one another for money to function properly. This is a component of money's Uniformity. Option C is accurate as a result.
What is reffered to as currency ?Anytime someone wants to sell anything or buy something, whether it be for themselves, a friend, a family member, or anybody else, they must pay a set sum of money, which is referred to as currency.
The Indian Rupee, which is the country's currency, must be used to buy or pay for anything in India. In Saudi Arabia, the Saudi Riyal is the preferred money. There is a market called the free market, and in that market, gold is also regarded as a form of money. Money should be uniform in order for the currency to operate well.
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a change in supply is represented by a ______ the supply curve while a change in quantity supplied is represented by a _______ the supply curve.
A change in supply is represented by a shift of the supply curve while a change in quantity supplied is represented by a movement along the supply curve.
The supply curve depicts the relationship between the cost of a good or service and the quantity supplied over a given time period. On most supply curves, as the price of goods rises, so does the quantity of goods supplied.
Supply curves can often predict whether a commodity's price will rise or fall in response to demand, and vice versa. For products with a more elastic supply, the supply curve is shallower (closer to horizontal) and steeper (closer to vertical) for products with a less elastic supply.
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airlines that offer lower fares on seats shortly before the flight’s departure date to fill empty seats are utilizing what type of pricing tactic?
Airlines that offer lower fares on seats
shortly before the flight's departure date
to fill empty seats are utilising Dynamic pricing.
Dynamic pricing can be defined as the
situation where a company or business
owner decide to change the price of the
product due to low demand or when the
price of a product is slice down or reduce
due to market demand for such product.
Based on the given scenario the airline is
making use of dynamic pricing due to low patronage so as to attract people.
In conclusion,airlines that offer lower fares on seats shortly before the flight's departure date to fill empty seats are utilising Dynamic pricing.
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Which of the following is true about filling out a job application? Select all that apply.
O do not leave any blank spaces
0 exclude information about being fired from a job
O only submit handwritten job applications
Ouse neat handwriting
Owrite in a list of references
Answer: neat writing ,do not leave blank spaces , write in a list of references
Explanation:
imagine an economist makes this statement. "A country such as the u.s can have a large overall GDP, but it is more important to have a high per capita GDP, such as Luxembourg". Explain the rationale behind the economist statement.
Even though the US might have a higher GDP when compared to Luxemburg, its standard of living would be lower than Luxemburg if A has a higher per capita GDP.
What is per capita GDP?
GDP is an abbreviation for gross domestic product. GDP measures the total sum of final goods and services that is produced in a country in a year.
Per capita GDP is the GDP of a country divided by the population of that country. Standard of living is measured by per capita GDP. The higher the GDP per capita, the higher the standard of living.
Per capita GDP = GDP / population
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Why do countries switch from one economic system to another?
Explanation:
One reason that countries may switch from one economic system to another is because they may fine the system they're switching to to be more benifitial than the other.
Nieman Company purchased merchandise on account from Springhill Company for $12,500, terms 1/10, n/30. Nieman returned merchandise with an invoice amount of $3,100 and received full credit.
If Nieman Company pays the invoice within the discount period, what is the amount of cash required for the payment? If required, round the answer to the nearest dollar.
What account is debited by Nieman Company to record the return?
The amount of cash that is required for the payment, given the invoice being paid in the discount period is
The account that is to be debited by Nieman Company to record the return is Accounts Payable .
How to record merchandise returned?When a company returns units of merchandise that it purchased, the account that will be credited is the Purchases Returns account. If the merchandise was purchased on credit, then the Accounts Payable account is to be debited to show the company no longer owes the seller. This is what happens to Nieman Company.
The net purchases by Nieman company is:
= Merchandise value - Merchandise returned
= 12, 500 - 3, 100
= $9, 400
The cash required would be:
= 9, 400 x (1 - discount amount)
= 9, 400 x (1 - 1%)
= $9,306
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Your friend offers to pay you an annuity of $9,200 at the end of each year for 3 years in return for cash today. You could earn 5-5% on your
Select the correct answer.
Oa. $24,820.99
O b. $24,801.79
O c. $24,811.39
O d. $24,830.59
Oe. $24,792.19
The most that should be paid for the annuity is $24,820.99
How to calculate the present value of an ordinary annuity?
Since the annuity of $9,200 will be paid at the end of each year, the most that should be paid for the annuity can be calculated using the formula for calculating the present value of an ordinary annuity as follows:
PV = P * ((1 - (1 / (1 + r))^n) / r) …………………………………. (1)
Where;
PV = Present value or the most you should pay for the annuity = ?
P = Annuity payment = $9,200
r = Interest rate on other investment = 5.5%, or 0.055
n = number of years = 3
Substitute the values into equation (1), we have:
PV = $9,200 * ((1 - (1 / (1 + 0.055))^3) / 0.055) = $24,820.99
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Kensington Corporation provided the following information from the standard cost sheet of one of its products:
Variable overhead: 4 hours × $4.00 per hour $16.00
Fixed overhead: 4 hours × $6 per hour $24.00
The following information is available regarding the company's operations for the period:
Units produced: 11,000
Direct labor: 45,000 hours costing $660,000
Overhead incurred:
Variable $189,000
Fixed $250,000
The budgeted fixed overhead for the period is $240,000, and the standard fixed overhead rate is based on an expected capacity of 40,000 direct labor hours.
Required:
Compute the following variances: [Label them as favorable (F) or unfavorable (U).]
1. Variable Overhead Spending Variance
2. Variable Overhead Efficiency Variance
3. Fixed Overhead Spending Variance
4. Fixed Overhead Volume Variance
1. Variable Overhead Spending Variance is unfavorable at $9000
2. Variable Overhead Efficiency Variance is unfavorable at 4000 dollars
3. Fixed Overhead Spending Variance $10000 This is unfavorable
4. Fixed Overhead Volume Variance is $24000. This is favorable
How to solve for the varianceWe have 45000 as the hours worked
solve for Actual variable overhead rate = 189000 / 45000 = 4.20 dollars
overhead rate = 4 dollars
11000 x 4 hours = 44 hours
a. The overhead spending variance
45,000 hours * ($4.20 - $4 per hour) = $9,000 this is unfavorable
Variable Overhead Spending Variance is unfavorable at $9000
b. Variable Overhead Efficiency Variance
= 45000 - 44000 x 4$
= 1000 x 4
= 4000 dollars
This is unfavorable
Variable Overhead Efficiency Variance is unfavorable at 4000 dollars
c. Fixed-overhead spending variance
= $250,000 - $240,000
= $10000
This is unfavorable
Fixed Overhead Spending Variance $10000 This is unfavorable
d. Fixed-overhead volume variance
$240,000 / 40,000 = 6dollars/hr
44,000 hours * $6 = $264000
$264000 - 240000
= $24000
This is favorable.
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As a landlord, Jason wants to protect himself in the event that taxes on his apartment complex increase. To do so, he most likely will add a(n) _____ clause to his rental agreements.
As a landlord, Jason wants to protect himself in the event that taxes on his apartment complex increase. To do so, he most likely will add a(n) escalator clause to his rental agreements.
Many aspects of your business, including revenue goals, marketing objectives, target audience, brand positioning, and product attributes, are taken into consideration in pricing strategies. External factors like consumer demand, competitor pricing, and overall market and economic trends also have an impact.
1914 saw the passing of the Federal Trade Commission Act (FTCA).It laid out the Government Exchange Commission (FTC), which had the power to uphold regulations pointed toward restricting unjustifiable strategies for rivalry.
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Recall the formula for GDP. A local news agency reports that "An increase in imports has reduced GDP this quarter." Is this statement true or false? Why?
If a statement from a new agency says that An increase in imports has reduced GDP this quarter, this is a true statement.
The reason it is true is that it shows that a lot of imports have happened in the nation that year and less goods made in the nation.
What is meant by GDP?The most widely used indicator of an economy's size is its gross domestic product (GDP). GDP can be calculated for a nation, a region (such as Tuscany in Italy or Burgundy in France), or for a group of nations (such as the European Union) as a whole (EU)
GDP calculates the monetary value of the final goods and services—those purchased by the consumer—produced in a nation during a specific time period (say a quarter or a year). It accounts for all the output produced inside a nation's boundaries.
Hence this is true because more imports would mean that a nation has lower GDP in the nation in that [particular year.
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