Answer:
C. The segment between C and D
Explanation:
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In 2008, many banks either completely failed or nearly went out of
business. Why do you think this led to banks being stricter with approving home loan applications?
The financial crisis of 2008, which caused many banks to fail or face financial difficulties, led to banks becoming stricter with approving home loan applications.
Whay banks became xtrickerThe crisis resulted in significant losses for banks, increased regulatory scrutiny, market uncertainty, declining property values, tightened credit standards, and a loss of trust and confidence in the banking industry. As a result, banks implemented more rigorous assessment processes, imposed stricter eligibility criteria, and adopted conservative lending practices to mitigate risks and ensure financial stability.
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Which of these statements is INCORRECT regarding the federal income
tax treatment of life insurance?
A. Entire cash surrender value is taxable
B. Premiums are normally not tax deductible
C. Cash dividends are normally not taxed
D. Proceeds are received tax-free if there is a named beneficiary
The statement that is INCORRECT regarding the federal income tax treatment of life insurance is that "Entire cash surrender value is taxable". The correct option is A.
In general, the proceeds of a life insurance policy are received tax-free if there is a named beneficiary. The beneficiary receives the proceeds free of federal income tax. The entire cash surrender value is not taxable, this statement is INCORRECT.
Premiums are normally not tax deductible, but cash dividends are normally not taxed. Cash dividends can be taken in cash or used to purchase more insurance. However, interest is taxable if the dividends exceed the premiums paid.The value of the policy (minus the premiums paid) can accumulate in a cash value account and can be withdrawn or borrowed by the policyholder at a later date.
The amount of cash value that is withdrawn and exceeds the amount paid for premiums is taxable as income. The gains earned by the policy owner can be tax-deferred until the funds are withdrawn. The correct option is A.
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An online shopping website sold many email addresses in its database to another firm for a large sum of money. The new firm now has access to data of several customers and can use them to increase its sales. What does the selling of user data highlight?
A.
violating user privacy
B.
cleansing data
C.
classifying customers
D.
applying direct marketing
E.
using multiple data sources
Answer:
A.) violating user policy
What measures should the business use to monitor its customer service performance?
c) “Shadow price is the increase in value created by having one additional unit of a limiting resource at original cost”. Provide a comprehensive real world example of where a shadow price can be calculated with multiple limiting factors and with more than one product. Your answer should be in a form of a short case study roughly 4 or 5 sentences. (5 marks)
A real world example of shadow pricing would be in a case where a manufacturer produces two product A and B with 2 input such as raw materials and labor.
How is this so?Two products (A & B) are produced through the use of two primary resources: labor & raw materials. To produce one unit of product A, we require roughly an hour's worth (60 minutes) of work time from our available pool.
Also, approximately two pounds worth of our current stockpile must be incorporated into each instance as well. Comparatively speaking, producing one unit from group B takes almost three times that much effort (3 hours' time), but only requires about half as much by weight (a single pound).
Our maximum allowance stands at exactly 60 work-hours across all levels plus another hundred pounds maximum in terms concerning these earthly elements - with that established pricing amounts to a flat rate where five dollars buys us one metric pound whereas ten dollars goes towards hourly wages; so what is their shadow price?
When dealing with limited input availability, the optimal allocation of resources and production process optimization can be achieved using shadow prices. In this regard, it has been determined that labor's shadow price stands at $10 per hour while the shadow price for raw materials is set at $5 per pound.
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The financial statement effects of the payment of a cash dividend (on the date of payment for a previously declared dividend) include:_________.
Answer:
The financial statement effects of the payment of a cash dividend (on the date of payment for a previously declared dividend) include:_________.
a. Cash (Current Asset) is decreased.
b. Dividends Payable (Current Liability) is decreased.
Explanation:
The journal entry debits the Dividends Payable account and credits the Cash account. This reduces the dividends payable and the cash accounts respectively by the same amount. Therefore, current assets and current liabilities are decreased. The effects of the cash payment are on the Balance Sheet and Statement of Cash Flows only.
Suppose for the year 2015, Speedy Chef, a fast food restaurant, had a Gross Profit of $1,281,648. Speedy Chef had the following expenses:
Cost of Goods Sold $1,251,167
Selling Expense $70,578
Rent Expense $156,941
Utilities Expense $73,994
Insurance Expense $35,148
Wages $505,245
General & Administrative $24,358
Miscellaneous $32,968
Interest Expense $4,059
Income Tax Expense $60,596
What would Speedy Chef's Income Before Taxes be for 2015?
The Speedy Chef's Income Before Taxes for 2015 is -$873,406.
The following are the operating expenses for Speedy Chef for the year 2015:Cost of Goods Sold $1,251,167Selling Expense $70,578Rent Expense $156,941 Utilities Expense $73,994Insurance Expense $35,148Wages $505,245General & Administrative $24,358Miscellaneous $32,968Interest Expense $4,059Income Tax Expense $60,596.
The formula to determine the Income Before Taxes (IBT) of Speedy Chef for 2015 is given below:Income Before Taxes (IBT) = Gross Profit - Total Operating ExpensesTotal Operating Expenses = Cost of Goods Sold + Selling Expense + Rent Expense + Utilities Expense + Insurance Expense + Wages + General & Administrative + Miscellaneous + Interest Expense + Income Tax Expense.Substitute the given values,Income Before Taxes (IBT) = Gross Profit - Total Operating Expenses = $1,281,648 - $2,155,054 = -$873,406.
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Select the best answer.
The location where hazmats are stored must be clearly marked, and a must be posted in that area
O GPS
OSDS
OEPA
O FAA
Where hazmat are put away should be plainly checked, and a should be posted in that space are SDS. Subsequently choice (B) is right.
Perilous products, truncated DG, are substances that when moved are a gamble to wellbeing, security, property or the climate. Certain risky merchandise that posture gambles in any event, while not being space moved are known as dangerous materials (syllabically curtailed as Hazardous materials or hazmat materials).
A model for risky products is perilous waste which is squander that has significant or possible dangers to general wellbeing or the climate
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1- The Net Operating Profit after Taxes (NOPAT) using the bottom-up method is provided by:
a. operating income minus tax benefit minus taxes as reported
b. operating income plus tax benefit minus taxes as reported
c. net income plus net financial expenses minus tax benefit
The bottom-up method yields the Net Operating Profit after Taxes (NOPAT) as follows: a. the reported operating income minus the tax benefit minus the taxes .
What Is the Net Operating Profit After Tax?A financial metric known as net operating profit after taxes (NOPAT) depicts a company's core operations, net of taxes, performance. NOPAT is a more accurate measurement of operating efficiency for leveraged businesses and is frequently used in economic value added (EVA) calculations. The tax savings that numerous businesses obtain as a result of existing debt are not included in NOPAT. A company's potential cash earnings if its capitalization were unleveraged, or devoid of debt, are referred to as its net operating profit after taxes (NOPAT). There are no one-time expenses or losses included in the figure; These do not accurately reflect an organization's profitability. Even though they may have an impact on the company's bottom line that year, charges arising from a merger or acquisition may not always provide an accurate picture of the business's operations.
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Which of the following sector has seen the biggest change in its target market demographics?
O cruise line sector
O lodging sector
O car rental sector
O foodservice sector
Answer:
The correct answer is the cruise line sector.
Explanation:
However, the average age of cruise passengers in North America, as well as their income, has been dropping since the early 1970’s.
A country wants to promote economic growth by giving companies more
freedom. It cuts taxes on corporations, eliminates environmental regulations,
and makes it easier to start new businesses. The government tries to limit its
involvement in economic issues as much as possible.
This situation best reflects the influence of which economic thinker?
A. John Maynard Keynes
B. Karl Marx
C. Adam Smith
D. Thomas Robert Malthus
Answer: Adam Smith
Explanation: Considered a modern economist, Adam Smith was of the view that the government's main jobs are national security, civil law enforcement, and involvement in public work. He was against restrictions and interferences of the government in market activities giving a free hand to companies for operating and thus contributing to economic growth.
What will produce more accurate results when giving a survey?
A. Using the word "frequently" in a question
B. Creating face-to-face interviews
C. Adding boxes to check for answers
D. Creating an open questions
Answer:
Option B; Creating face-to-face interviews
Explanation:
Research has shown that face-to-face interviews tend to produce more accurate results when giving a survey. So the correct answer is option B.
why is the diminishing balance method better than the cost price method when calculating depreciation
The diminishing balance technique outperforms the cost price method because more depreciation is written off in the first few years. Hence, it helps to less the effects of asset obsolescence.
The tax authorities approve the declining balance technique of depreciation. As a result, the corporation receives tax advantages.
What is the straightforward definition of depreciation?Depreciation is the expected down value of a fixed asset over a fiscal year. Large lump sum purchases are made for tangible goods like real estate, machinery, cars, and other things.
What does a it do in accounting?Depreciation is a measurement of the wearing down, consumption, or other loss of value of a depreciable asset resulting from usage, effluxion of time, or obsolescence by technological and market developments.
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With a specific focus on the e-commerce industry, research and identify the process that a company follows from the time it receives an order through the time when it delivers the merchandise. Discuss the responsibilities of each department in a typical e-commerce company. Also discuss the importance of cross-functional coordination.
The process that a company follows from the time it receives an order through the time when it delivers the merchandise is known to be Order fulfillment.
What is Order fulfillment?Order fulfillment is known to be made up of a lot of steps that a company is known to takes between getting a new order and placing a said order into the customer's hands.
Note that the practice is seen as warehousing, the picking and packing of the said product as well as shipping it and sending an email to the customer in regards to the order.
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30 points, please help
Answer: You didn’t post a picture can you please post it so I can answer it?
Explanation: I’ll help you but add a picture.
Answer:
Explanation:
? There’s no picture, :(
QUESTION 5 of 10: True or False: The operations manager is involved primarily with supply network design. O a) True Ob) False
Answer:
true
Explanation:
An operations manager is a person who is involved with the supply network design which is also known as strategic supply chain planning. Thus, the given statement is true.
What is supply network design?The process of constructing and modeling a supply chain in order to fully understand the expenses and time associated with bringing items to market with the resources and locations available is known as supply chain network design.
Operations managers are in charge of product development and delivery, inventory and supply chain management, operations personnel and job design, and production are all under their control.
Therefore, The correct answer is Option a.
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A snowshoe hare with the trait of unusually strong legs is able to run faster than other snowshoe hares in the population. This trait may cause changes in future generations of snowshoe hares because the fast snowshoe hare will
The snowshoe hare cycle is almost fully understood at this point. Predation and food availability cooperate to produce the 10-year cycle .
What was snowshoe hares physical charactestics ?Although clearly, predation is the more important component. Food has a significant and primarily indirect wintertime impact.
Up to four litters can be born by a mother hare per year. After a year, the hares are mature. Few hares live to be this old. However, some hares have a five-year lifespan in the wild.
Hares are slightly bigger than rabbits, and they often have longer ears and taller hind legs.
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For each statement about Direct Competition and Indirect Competition,
choose True or False.
Indirect Competition is a
business whose services are
different from yours but
satisfy the same need.
All Companies that sell
goods and services are
Indirect Competitors.
When your target audience
buys products from a
competitor instead from
you, that is Indirect
Competition.
Direct Competition is a
company that offers
the same thing you
offer.
1. True
2. False
Answer:
Explanation:
1) Indirect Competition is a business whose services are different from yours but satisfy the same need.
True
2) All Companies that sell goods and services are Indirect Competitors.
False
3) When your target audience buys products from a competitor instead from you, that is Indirect Competition.
False
4) Direct Competition is a company that offers the same thing you offer.
True
QUESTION ONE
ABC Ltd wishes to expand its business. On 31 Dec 2021, the company had
the following existing and proposed capital structures to support the
expansion programme.
1. The existing 8% debt capital has a book value of Ksh 50 000 000 and
matures in 10 years. The market value of debt at the close of business on
31 Dec 2021 was Ksh 40 000 000
2. A ten year loan of Ksh 300 000 000 is to be raised at an interest of 10
percent p.a. A cost of Ksh 20 000 000 will be incurred in raising this loan
3. A 12% preference stock capital stands in the books at Ksh 100 000 000
( 1 000 000 shares) and has a total market value of Ksh 150 000 000.
4. There are 40 000 000 ordinary shares with a current market price of Ksh
1500 each. The firm’s expected earnings per share (EPS) stand at Ksh
200, its growth rate is 6% and has a dividend payout of 60%.
5. The company plans to issue 10 000 000 ordinary shares at a market price
of Ksh 1 500 per share. The cost of floating the shares is estimated at Ksh
10 000 000.
Required:
i) Firm’s current weighted average cost of capital (10 marks)
ii) Firm’s expected weighted average cost of capital after the expansion
programme (i.e. marginal cost of capital) (5 marks)
QUESTION TWO
An investor intends to place Ksh 112,000,000 in the 91 days Treasury bill at a quoted rate/yield of 7.65%
p.a.
Required:
a) Compute the investor’s return, assuming that he is withholding tax-payer
b) Compute the investor’s return, assuming that he is non-withholding taxpayer (6 marks)
Answer:
rat
Explanation:
What are some desirable qualities of money?
Some of the characteristics of money that are desirable qualities are its durability.
What are the other qualities of money?Money is a physical material used to carry out economic transactions. To be useful and effective, it must meet some essential characteristics, such as
portableDivisibleUniformAcceptableLimited OfferTherefore, the characteristics of a physical monetary material such as money, must understand the needs of individuals and make its use more simplified so that economic transactions are facilitated.
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Insurance sales, tax preparation, personal financial advising, and investment fund management are careers in which workers can be self-employed. Which careers have the highest and lowest self-employment rates?
Insurance sales has the highest rates, and tax preparation has the lowest rates.
Personal financial advising has the highest rates, and investment fund management has the lowest rates.
Investment fund management has the highest rates, and insurance sales has the lowest rates.
Tax preparation has the highest rates, and personal financial advising has the lowest rates.
Answer:
A.Insurance sales has the highest rates, and tax preparation has the lowest rates.
Explanation:
its most likely A. Insurance sales has the highest rates, and tax preparation has the lowest rates.
Answer: A insurance sales has the highest rates, and tax preparation has the lowest rates.
Explanation:
A Personal Outcomes approach changes ______ and _______
A Personal Outcomes approach changes the focus and power dynamic in service delivery.
Answer:record keeping , planning
Explanation:
The net income reported on the income statement is $97,309. However, adjusting entries have not been made at the end of the period for the
supplies expense of $2,135 and accrued salaries of $1,163. Net income, as corrected, is
a. $96,146
b. $97,309
c. $94,011
d. $95,174
Discuss which format you would use to send detailed product information to a customer. Why would you use this format? What would you include? What should you not discuss in an email?
2. You want to convince your employees to sign up for the new health maintenance
program that your company offers because it is cheaper than the older program.
However, you expect most employees to stay with the more expensive program as it
covers more physicians. Which of the following persuasive strategies will be most
effective in this case?
Because the audience is probably going to value emotion as a way of problem-solving in this situation, the persuasive tactic will be most successful.
To succeed in "persuasive strategy," one must balance reason and passion.
The three different categories of persuasive tactics are pathos, ethos, and logos. The most persuasive writing typically combines all three tactics. While ethos relies on the authority of the author or source as justification for action, logos draw conclusions using logic or reason.
It is significant to note that your ability to persuade others affects their behavior. Arguments are used in persuasion to persuade others to follow your path. The way you express your views to others might have an effect on how others interpret a certain issue or concept.
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Question 4
Select the appropriate response
Ken is a producer who has obtained Consumer Information Reports under false pretenses. Under the
Fair Credit Reporting Act, what is the maximum penalty that may be imposed on Ken?
Murphy manufacturing estimated total manufacturing a overhead for 2017 to be $100,000 and uses direct labor-hours as the allocation base. They estimated that 5,000 hours would be used. Actual overhead for 2017 was $120,000 and actual direct labor-hours were 7,500. How much overhead for 2017 was applied to a job completed during 2017 that used 200 direct labor-hours?
$4,000 of overhead for 2017 was applied to a job completed during 2017 that used 200 direct labour-hours.
What is overhead?The term "overhead" describes ongoing business costs that aren't directly connected to providing a good or service. It is crucial for budgeting and for figuring out how much a business must charge for its goods or services in order to turn a profit. In a nutshell, overhead is any expense incurred to support the business but not directly related to a particular good or service.
Regardless of how much or how little a business sells, it must continually pay overhead. For instance, in addition to the direct costs of providing its service (such as labour and supplies), a service-based business with an office has overhead costs like rent, utilities, and insurance.
The predetermined overhead rate = $100,000 ÷ 5,000 direct labour-hours = $20 per direct labour-hour.
The overhead applied to the job = $20 per direct labour-hours ×200 direct labour-hours = $4,000.
Thus, $4,000 of overhead for 2017 was applied to a job completed during 2017 that used 200 direct labour-hours.
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Imagine that you are getting your first job in cosmetology. Which pay structure would you prefer and why? Once you have explained your choice, think of three questions that you could ask in a job interview for the situation you have chosen.
If I were getting my first job in cosmetology, I would prefer a salary structure over an hourly wage or commissioned pay.
A salary provides stability and predictability in my income which would be preferable as a new professional still learning the ropes. I would know exactly what I would earn each month to cover my expenses without worrying about fluctuations in hours worked or services provided. It would also allow me to focus on providing the best experience and care for clients without constant calculations of payments or commissions in the back of my mind.
Three questions I might ask in an interview for a salaried cosmetology position could be:
1. What is the potential for career growth in this role and at this salon? I want to build a long-term career as a cosmetologist.
2. What continuing education or training is provided for stylists? As new techniques and services develop, I want to ensure I have opportunities to learn and improve my skills.
3. What is the salon's philosophy on work-life balance? While I am passionate about this work, I also want to ensure reasonable hours and time off to avoid burnout. Work-life balance is important for sustaining a career.
Does this explanation and set of sample questions seem reasonable? I can provide any clarification or additional suggestions if needed.
A newspaper vendor is trying to determine how many daily papers to order. The cost to the vendor of a single paper is $0.75. The vendor sells each paper for $1.85. The value of the paper will drop to 0 the next day. If the daily demand for papers is normally distributed with a mean of 500 papers and a standard deviation of 100 papers. The newspaper vendor should order how many papers?
a. 500
b. 525
c. 559
d. 795
e. 475
Answer:c
Explanation:cuz it c
what is the difference between old and new institutional economics
Answer:
old economy differs from new economy in the sense that it relies on traditional methods of doing business rather than play everything new cutting-edge technology traditional economy dates back to the Industrial Revolution,
Explanation:
basically revolves around producing Goods as opposed to exchanging of new information