it would be more cost-effective for Terry to buy OP89 from the subcontractor rather than making it in-house.
Subcontractors are typically paid by the primary contractor for their services and are responsible for their own taxes, insurance, and other expenses. In other words, a subcontractor is a third-party individual or organization that is contracted to provide a service or product to the primary contractor. Subcontractors are commonly used in the construction industry, but they can be found in many other industries as well.
Subcontracting can be beneficial for businesses because it allows them to delegate specific tasks to experts in those fields without having to hire additional employees. This can be particularly useful for companies that require specialized skills or knowledge that they may not have in-house. Subcontractors are typically paid by the primary contractor for their services and are responsible for their own taxes, insurance, and other expenses. However, they are still expected to meet the same standards of quality and adhere to the same deadlines as the primary contractor.
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Creating graphs to reach equilibrium
On a graph, the point the place the grant curve (S) and the demand curve (D) intersect is the equilibrium.
How do you draw a demand and supply curve at equilibrium?Put the quantity of the top you are requested to analyze on the horizontal axis and its charge on the vertical axis. Draw a downward-sloping line for demand and an upward-sloping line for supply. The preliminary equilibrium charge is determined with the aid of the intersection of the two curves. Label the equilibrium solution.
The equilibrium curve of a given shape represents, to some extent, its behavior. This curve is developed in an (n + 1) dimensional house if the device is of finite dimensions; otherwise, for continuum structures (such as beams, plates, shells, and deformable our bodies in general), the corresponding area is infinite.
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Suppose a company will issue new 20-year debt with a par value of $1,000 and a coupon rate of 8%, paid annually. The issue price will be $1,000. The tax rate is 35%. If the flotation cost is 2% of the issue proceeds, then what is the after-tax cost of debt? Disregard the tax shield from the amortization of flotation costs. Round your answer to two decimal places. % What if the flotation costs were 11% of the bond issue? Round your answer to two decimal places. %
Answer:
if the flotation costs were 2%, the after-tax cost of debt is 5.10%
if the flotation costs were 11%, the after-tax cost of debt is 4.63 %
Explanation:
After-tax cost of debt = Market Interest × ( 1 - tax rate)
Calculation of the Market Interest
Hint : Use the time value of money principles
Pv = -$1,000
Pmt = $1,000 × 8 % = $80
P/yr = 1
N = 20
Fv = $1,000
YTM = ?
Using a financial calculator, the market interest is 8%
After-tax cost of debt = Market Interest × ( 1 - tax rate)
= 0.08 × (1- 0.35)
= 0.052 or 5.20 %
If Flotation cost is 2%
Net Receipts after flotation cost = Cost × ( 1 - flotation rate)
= 5.20 % × (1-0.02)
= 5.096 % or 5.10% (two decimal places)
If Flotation cost is 11%
Net Receipts after flotation cost = Cost × ( 1 - flotation rate)
= 5.20 % × (1-0.11)
= 4.628 % or 4.63 % (two decimal places)
which of these facts about a region are most helpful in understanding the regions encomony
The facts about a region that are most helpful in understanding the region's economy are:
1) The average age of the population is 35.2)The area has a major shipping port.4)There is a major city 50 miles away from the region.5)The area has warm weather and ocean beaches.What facts give details about the region's economy?The fact that the average age of the population is 35 means that the population has more productive people on average and the weather being warm with ocean beaches means that tourism is a big part of the economy.
The area having a major shipping port means that transport and trade are a big part of the economy as well and the major city close to the region would also open up economic activities like trade.
Options for this question are:
1) The average age of the population is 35.2)The area has a major shipping port.3)The area's schools are named after politicians.4)There is a major city 50 miles away from the region.5)The area has warm weather and ocean beaches.6)One of the state's senators is from this region.7)The area's public libraries are named after native tribes from the region.Find out more on factors of the economy at https://brainly.com/question/8284650
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Samuel is barely able to pay his bills on time. He lives paycheck to paycheck. He just barely manages to keep food on the table for his family and pay his rent to keep a roof over their heads. What effect would a sudden rise in inflation have on him? Explain.
A) he would find it easier to meet his family's basic needs and may even have extra income since everyday goods such as food would become cheaper
B) he would find it easier to meet his family's basic needs and may even have extra income since his rent would decrease
C) He would find it more difficult to meet his familys basic needs since his income level would decrease and would have less money to buy everyday goods such as food
D) he he would find it more difficult to meet his family's basic needs since everyday goods such as food become more expensive
He would find it more difficult to meet his family's basic needs since everyday goods such as food become more expensive in inflation. Thus, its D.
What is inflation?Inflation is a sustained increase in the general price level of goods and services in an economy over a period of time. It means that, on average, prices are rising, and the purchasing power of money is decreasing.
Inflation can be caused by various factors, such as an increase in the supply of money, which can occur when central banks print too much money or when governments spend too much, leading to an excess of money chasing a limited supply of goods and services.
Other factors that can contribute to inflation include increases in production costs, changes in global commodity prices, and changes in consumer behavior.
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“Gambler fallacy” is the Believe that if people keep gambling they will eventually win big
true or false
which of the following are common types of power used by leaders within an organization? (choose every correct answer.)
Positional power, personal power, reward power, and coercive power are the types of power exercised by leaders in an organization. Here option E is correct.
Leaders within an organization can utilize different types of power to influence their subordinates and achieve organizational goals. Four common types of power used by leaders within an organization are positional power, personal power, reward power, and coercive power.
Positional power is derived from the leader's formal position within the organization. It includes the ability to make decisions, allocate resources, and give orders to subordinates. Personal power, on the other hand, is derived from the leader's personal characteristics and qualities, such as charisma, expertise, and credibility.
Reward power is based on the leader's ability to provide rewards, such as promotions, salary increases, or positive feedback, to subordinates for desirable behavior or performance. Coercive power, in contrast, is based on the leader's ability to punish subordinates for undesirable behavior or non-performance, through means such as negative feedback, demotions, or even termination.
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Complete question:
Which of the following are common types of power used by leaders within an organization?
A) Positional power
B) Personal power
C) Reward power
D) Coercive power
E) All of the above
If a decrease in demand is smaller than a decrease in supply, what happens to output sales?
If a decrease in demand is smaller than a decrease in supply, it suggests that the decrease in supply is relatively greater than the decrease in demand, depend on elasticity of demand and supply.
In this scenario, the market is experiencing a supply shock, and the quantity supplied exceeds the quantity demanded.
As a result, there is an excess supply or surplus in the market. To address this imbalance, producers may need to adjust their output levels to align with the lower demand. This can be achieved by reducing production or slowing down the rate of production.
Consequently, output sales are likely to decrease in response to the imbalance between supply and demand. With excess supply, businesses may find it challenging to sell their entire production, and they may need to lower prices or implement promotional strategies to stimulate demand.
It's important to note that the specific impact on output sales will depend on various factors, including the elasticity of demand and supply, the nature of the product or service, market conditions, and the actions taken by producers to address the imbalance.
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1. Which is the common factor of 24 and 32?
D. 32
D. 28
D. 19
A 8
B. 16
C. 24
2. What is the greatest common factor of 14 and 567
A7
B. 14
C. 21
3. What is the greatest common factor (GCF) of 16 and 24?
A. 6
B.8
C. 12
4. Which of the following is the greatest common factor of 28 and 367
A. 4
B.7
C. 8
5. The following numbers are common factors of 28 and 56 except?
A. 7
B. 14
C. 8
6. What is the Least Common Multiple (LCM) of 7 and 87
D.9
D. 28
A. 56
B. 68
C. 84
D. 146
7. What is the least common multiple of 6 and 147
A. 42
B.54
C.76
D.84
8. What is the least number of carpenters that an engineer must hire If he wants to
arrange them in groups of 4, 5, 6 with no left over?
A. 120
B.150
C.60
D.240
9. During a car race, two competitors will stop to fill up the fuel tank. One does it
every 4 laps, and the other every 5 laps. If they travel at the same speed, how
many laps will they meet again at the fuel station?
A. 16
B. 20
C.25
D. 30
10. What is the least common multiple (LCM) of 12 and 14?
A. 54
B. 68
C. 84
D. 146
please answer me please
Answer:65
Explanation:
Answer:
8
Explanation:
pension fund manager is considering three mutual funds. The first is a stock fund, the second is a long-term government and corporate bond fund, and the third is a T-bill money market fund that yields a sure rate of 5.5%. The probability distributions of the risky funds are: Expected Return Standard Deviation Stock fund (S) 15 % 32 % Bond fund (B) 9 % 23 % The correlation between the fund returns is 0.15. Suppose now that your portfolio must yield an expected return of 12% and be efficient, that is, on the best feasible CAL. a. What is the standard deviation of your portfolio? (Do not round intermediate calculations. Round your answer to 2 decimal places.)
The standard deviation of the portfolio is 7.09%.
What is the proportion of stock in minimum risky portfolio?= [(0.23)² - (0.32*0.23*0.15)] / [(0.32)² + (0.23)² - (2*0.32*0.23*0.15)]
= 0.31421708452
= 31.42%
What is proportion of bond fund in minimum risky portfolio?= 1 - 0.31421708452
= 0.68578291548
= 68.58%
What is the expected return of minimum risky portfolio?= 0.3142*15% + 0.6858*9%
= 0.04713 + 0.061722
= 0.108852
What is the standard deviation of your portfolio?= ((0.6858)² * (0.23)² * (0.3142)² * (0.33)²) + ((2 * 0.6858 * 0.3142 * 0.32 * 0.23 * 0.15))^0.5
= (0.00026747972 + 0.00475776218)^0.5
= 0.0050252419^0.5
= 0.0708889406
= 7.09%
Therefore, the standard deviation of the portfolio is 7.09%.
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You are a consultant to a large manufacturing corporation considering a project with the following net after-tax cash flows (in millions of dollars): The project's beta is 1.7. Assuming r f
=9% and E(r M
)=19%. Required: a. What is the net present value of the project? (Do not round intermediate calculations. Enter your answer in millions rounded to 2 decimal places.) b. What is the highest possible beta estimate for the project before its NPV becomes negative? (Do not round intermediate calculations. Round your answer to 3 decimal places.)
a. The net present value (NPV) of the project is approximately 182.58 million.
b. The highest possible beta estimate for the project before its NPV becomes negative is approximately 2.988.
a. To calculate the net present value (NPV) of the project, we need to discount the cash flows to their present value using the project's required rate of return. The formula to calculate NPV is:
NPV = Σ(CF_t / (1 + r)^t)
Where CF_t is the net cash flow at time t, r is the required rate of return, and t is the time period.
Let's calculate the NPV using the provided cash flows and the given required rate of return:
Year 0: -500 (initial investment)
Year 1: 150
Year 2: 200
Year 3: 250
Year 4: 300
Year 5: 350
The required rate of return is not provided, so we need to calculate it using the given risk-free rate (r_f) and market return (E(r_M)). The formula to calculate the required rate of return is:
r = r_f + beta * (E(r_M) - r_f)
Given r_f = 9% and E(r_M) = 19%, and the project's beta = 1.7, we can calculate the required rate of return:
r = 9% + 1.7 * (19% - 9%) = 9% + 1.7 * 10% = 9% + 17% = 26%
Now we can calculate the NPV:
NPV = (-500 / (1 + 0.26)^0) + (150 / (1 + 0.26)^1) + (200 / (1 + 0.26)^2) + (250 / (1 + 0.26)^3) + (300 / (1 + 0.26)^4) + (350 / (1 + 0.26)^5)
NPV ≈ -500 + 118.11 + 136.32 + 153.19 + 146.48 + 128.48 ≈ 182.58 million
Therefore, the net present value (NPV) of the project is approximately 182.58 million
b. To determine the highest possible beta estimate for the project before its NPV becomes negative, we need to find the beta at which the required rate of return (r) becomes equal to the discount rate that makes the NPV zero.
Let's solve for beta using the formula:
NPV = 0 = (-500 / (1 + r)^0) + (150 / (1 + r)^1) + (200 / (1 + r)^2) + (250 / (1 + r)^3) + (300 / (1 + r)^4) + (350 / (1 + r)^5)
By trial and error or using a financial calculator, we find that when beta is approximately 2.987, the NPV becomes zero. However, since the question asks for the highest possible beta estimate, we round up to 2.987 + 0.001 = 2.988 (rounded to 3 decimal places).
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Are there times you would be willing to compromise your ethics for business gain?
As an AI language model, I do not possess ethics, values, or morals, nor do I have the capacity to compromise them. However, I can provide some insight on how humans approach this question.
Ethics are principles that guide individuals' behavior in making decisions that are right or wrong, and they are an essential aspect of any business. Companies operate in a competitive environment, where making ethical choices can sometimes put them at a disadvantage compared to their less principled competitors. Therefore, the temptation to compromise ethics for business gain may arise, especially in situations where the company is struggling financially or facing intense competition.
In conclusion, compromising ethics for business gain is never justified. It is essential for companies to establish a robust ethical framework that guides their behavior and decision-making processes, prioritize long-term benefits over short-term gains, and build a strong reputation as an ethical and responsible company.
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Ethics are principles that guide individuals' behavior in making decisions that are right or wrong, and they are an essential aspect of any business. Companies operate in a competitive environment, where making ethical choices can sometimes put them at a disadvantage compared to their less principled competitors.
Therefore, the temptation to compromise ethics for business gain may arise, especially in situations where the company is struggling financially or facing intense competition.
In conclusion, compromising ethics for business gain is never justified. It is essential for companies to establish a robust ethical framework that guides their behavior and decision-making processes, prioritize long-term benefits over short-term gains, and build a strong reputation as an ethical and responsible company.
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The principles of internal control include: Multiple Choice Separate recordkeeping from custody of assets. Maintain minimal records. Use only computerized systems. Bond all employees. Require automated sales systems.
The principles of internal control include A. Separate recordkeeping from the custody of assets.
What is internal control?Internal control is a process that management institutes to provide assurance about the reliability, accuracy, and timeliness of records.
Internal control also helps management to comply with applicable laws, regulations, contracts, policies, and procedures.
The focus of good internal control is on:
Control environmentRisk assessmentControl activitiesInformation and communicationMonitoring.Thus, the principles of internal control include A. Separate recordkeeping from the custody of assets.
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Samantha deposits $1,500 into the Park Street Bank. The account pays 1.12% annual interest, compounded daily. To the nearest cent, how much is in the account at the end of three non-leap years?
Answer:
=$1,551.255
Explanation:
The amount can be calculates using the formula
A = p x ( 1 + r) ^n
Where A = Amount
P= principal: $1500
r=1.12% or 0.0112 per year. Dairy interest rate = 0.0112/365
n = 365 days x 3 = 1095
A= 1500 x( 1 + 0.0112/365)^1095
A =$1500 x ( 1.00003068493)^1095
A =$1500 x 1.034170
A =$1,551.255
What is a file manager? Give an example the file manager is a user medium platform interface
Answer:
The Android File Manager app helps users manage and transfer files between the smartphone's storage and a computer. ... The Android operating system allows you to remove apps quickly if you no longer use them or to make room for additional files without having to connect the phone to your computer.
Explanation:
you have just been awarded a contract in which you told the customer that a certain employee would be assigned full time on the project. once the project begins, you discover that the employee is splitting his time between two projects per the instructions of his functional manager. you should:
According to the choices of alternatives, one should determine the impact of the contract on the project and discuss the same with the function sponsor in the situation portrayed above. Therefore, the option C holds true.
A functional sponsor can be referred to or taken into consideration as the person who is under the duty to sponsor a contract-based project, and ensure assignment of the project on time. He also has to give instructions to the employees for accomplishment of the project within stipulated time limit.
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Complete question
You have just been awarded a contract in which you told the customer that a certain employee would be assigned full time on the project. Once the project begins, you discover that the employee is splitting his time between two projects per the instructions of his functional manager. You should:
A. Do nothing
B. Determine the impact on the project and discuss it with the project sponsor
C. Determine the impact on the project and discuss it with the functional manager
D. Determine the impact on the project and discuss it with the customer
Toplo: Costa & revenue (2)
Q1
Shampooch is a dog grooming business focused on providing a high quality and professional
service. The selling price for a full aroom, wash, cut and blow dry is £28 per dog with
variable cost of £8 per dog. The fixed costs are 1,000 per month
Activity Calculator
a) the total variable cost if 120 dogs are groomed per month
b) the total fixed costs If 120 dogs are groomed per month
c)the total costs If 120 dogs are groomed per month
The total variable cost if 120 dogs are groomed per month is £960.
the total fixed costs If 120 dogs are groomed per month is £1000.
The total costs If 120 dogs are groomed per month is £1960
Fixed cost and variable costFixed cost is the cost that remains constant regardless of the number of dogs that are groomed. If one dog or 100 dogs is groomed, fixed cost would remain the same.
Variable cost is the cost the increases with the number of dogs that are groomed.
Total cost is the sum of fixed cost and variable cost.
Total variable cost.Total variable cost = variable cost per dog x total number of dogs
£8 x 120 = £960
Total fixed costs.
The total fixed costs If 120 dogs are groomed per month is £1000.
Total costs
£960 + £1000 = £1960
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When discussing weighing schemes for calculating the weighted average cost of capital, the preferences can be stated as (1 Point) market value weights are preferred over book value weights and target weights are preferred over historic weights. book value weights are preferred over market value weights and target weights are preferred over historic weights. book value weights are preferred over market value weights and historic weights are preferred over target weights. market value weights are preferred over book value weights and historic weights are preferred over target weights.
Market value weights are favoured over book value weights when considering weighing systems for determining the weighted average cost of capital, and goal weights are favoured over historic weights.
The amount that a business is anticipated to charge on average to all of the holders of its securities in order to fund its assets is known as the weighted average cost of capital (WACC). The company's cost of capital is a popular name for the WACC. It's significant that the international market, not administration, controls it.
The phrase "market value" refers to the amount that a corporation or commodity is valued by market players on the financial sector.
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what happen if a person dies and they wanted someone to have there car. They died and everyone knows that the car was suppose to go to that person, but the person that died didn't have I will or anything saying it was suppose to go to that person, can they still get the car?
Answer:
it all depends on if the family is the giving type as some people would try to hold on to things from listed onesand others would try to Give them away ....in shot people grieve differently so it's a 50/50 chance
Answer:
probably not because it's just like if this family met an old person about to die and pretended to be nice and do things for him until he died then went to the police and said that he would give them his house so now a days u can't just go off of 'they said ___ before I died' SO like I said again probably not
not accepting any gifts or payments for communication services from anyone who is not a client or an employer is an example of:
Ethical behavior is not taking gifts or payments for communication services from anybody who is not a customer or an employer.
Professional ethics refers to the principles and values that guide the behavior of individuals and organizations in the workplace. In the field of communication, it is important to maintain ethical standards in order to ensure that the communication process is fair, accurate, and transparent.
Refusing gifts or payments from non-clients or non-employers is a way of avoiding conflicts of interest and maintaining impartiality in communication. It helps to maintain the trust and credibility of the communicator and the communication process, and it ensures that the interests of the client or employer are protected.
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withdrawn rs 1000 on a permanent basis out of capital.
Answer:
withdraw a/c...........Dr 1000
To cash a/c 1000
Explanation:
Career connection Follow the instructions and record your work in the
Make your interview as strong as you can because it could mean the difference between landing your ideal job or not.
What is Career connection ?It is extremely valuable to seek the advice of an industry mentor, leader, or seasoned professional because you will not only learn about the person's specific job but also about the industry as a whole, how they got to where they are in the field, whether you would enjoy their work, and how to structure your own career goals from an industry expert.
Send a request for an informative interview through email or phone to the person's workplace to arrange a non-formal interview regarding their position.
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the fomc has instructed the frbny trading desk to purchase $540 million in u.s. treasury securities. the federal reserve has currently set the reserve requirement at 4 percent of transaction deposits. assume u.s. banks withdraw all excess reserves and give out loans. a. assume also that borrowers eventually return all of these funds to their banks in the form of transaction deposits. what is the full effect of this purchase on bank deposits and the money supply? b. what is the full effect of this purchase on bank deposits and the money supply if borrowers return only 96 percent of these funds to their banks in the form of transaction deposits?
If borrowers return only 96% of the funds to their banks in the form of transaction deposits, this means that 4% of the funds are not returned and are instead held as currency.
What is FRBNY's?Generally, a. In this scenario, the FRBNY's purchase of $540 million in U.S. Treasury securities would increase the reserves of banks by the same amount. Since the reserve requirement is 4%, banks can lend out 96% of the new reserves, which would result in a potential increase in loans and deposits by $518.4 million (96% of $540 million).
However, assuming all borrowers eventually return these funds to their banks in the form of transaction deposits, the increase in loans would be offset by the decrease in reserves, leaving the total money supply unchanged.
b) This would result in a smaller increase in loans and deposits, as banks can only lend out 96% of the reserves. The potential increase in loans and deposits would be $518.4 million, but only 96% of that amount, or $497.66 million, would actually be added to transaction deposits. Therefore, the full effect of this purchase on bank deposits and the money supply would be an increase of $497.66 million in transaction deposits and no change in the overall money supply.
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Given below are lease terms at the local dealership. What is the total cash
due at signing?
Terms:
• Length of lease = 24 months
• MSRP of the car = $17,500
• Purchase value of the car after lease = $9900
• Down payment = $2400
• Monthly payment = $425
• Security deposit = $375
• Acquisition fee = $500
Answer:
$3700
Explanation:
The items that have to be paid for at the signing include
1. The deposit: $,2,400.00
2. Monthly payments : $425.00
3. Security deposit: $375.00
4. Acquisition fee: $ 500.00
Total due $3,700.00
Answer:
$3700
Explanation:
Took the test, this is the correct answer.
Herzberg developed a theory of motivation based on two factor
Frederick Herzberg developed a motivational theory based on two factors. Herzberg's Two Factor Theory, also known as the Motivation-Hygiene Theory, is a psychological model that explores the differences between job satisfaction and job dissatisfaction. Herzberg's theory posits that employees are motivated by two types of factors: hygiene factors and motivating factors.
What is the Herzberg's Two Factor Theory Herzberg's Two Factor Theory states that job satisfaction and dissatisfaction are two separate phenomena that are influenced by different factors. According to Herzberg, job dissatisfaction is caused by hygiene factors, while job satisfaction is caused by motivating factors.Herzberg's Two Factor Theory implies that hygiene factors are necessary for avoiding job dissatisfaction. These factors are the minimum conditions that must be met in order for employees to remain satisfied with their work. Working conditions, job security, and salary are examples of hygiene factors.
Motivating factors, on the other hand, are those that contribute to job satisfaction. Herzberg discovered that satisfaction is caused by factors like achievement, responsibility, recognition, and the opportunity for personal growth. These factors, unlike hygiene factors, cannot be bought and are usually related to the nature of the work itself.In summary, Herzberg's Two Factor Theory proposes that hygiene factors are necessary to avoid job dissatisfaction, while motivating factors are essential for achieving job satisfaction.
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distinguished scholars are usually attracted to teaching at a
Answer:
University. they get paid the best and have are of the highest regards
Answer:
If your options are:
A: career school
B: vocational school
C: community college
D: four-year college
Its D
Explanation:
show the vegetable market of nepal in pyramid
Due to massive increases in agriculture and production area over the last two decades, per capita vegetable consumption has increased to 105 kg from 60 kg. Nepal has reported 3,243,521 vegetable holdings. Vegetable crops are grown on a total of 232,295 hectares of cultivable land.
What is market?A market is a collection of systems, institutions, procedures, social relations, or infrastructures through which parties exchange goods and services. While parties can barter for goods and services, most markets rely on sellers offering their goods or services to buyers in exchange for money. The exchange of goods and services that occurs as a result of buyers and sellers coming into contact with one another, either directly or through mediating agents or institutions, is referred to as a market.A market is defined as the total number of buyers and sellers in the area or region under consideration. The area could be the entire planet, a country, a region, a state, or a city.To learn more about market, refer to:
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Two rival firms vigorously compete by spending millions of dollars on product improvements and advertising to promote those improvements. This is an example of firms engaging in:
Answer: Non-price competition.
Explanation:
URGENT!! Which type of payroll report is prepared for the employee's use?
A. Form W-3
B. Form W-2
C. Form 941
D. Form 940
Answer:
Hope this helps and have a nice day
Explanation:
The type of payroll report that is prepared for the employee's use is Form W-2.
Option B. Form W-2
a firm acquired an assset on 1st Apri, 1990 at a cost of Le 30,000. The useful life of the asset is expected to be 10 years. The estimated scrap value of the asset at the end of the year is Le 2,000. Show the provision for depreciation account for the first 3 years in the life of the asset using the Straight line method
Answer:
First year : Le 2100
Second year : Le 2800
Third year : Le 2800
Explanation:
Given the following :
Cost of equipment = 30,000
Useful years = 10
Salvage or scrap value = 2,000
depreciation account for the first 3 years in the life of the asset using the Straight line method :
Straight line Depreciation :
(Cost - salvage value) / useful years
First year: (April - December 1990)
April - December 1990 = 9 months
(30,000 - 2000) / 10 × 9/12
28000 / 10 × 0.75 = Le 2100
Second year:
(30,000 - 2000) / 10 × 12/12
28000/ 10 = Le 2800
Third year:
(30,000 - 2000) / 10 × 12/12
28000/ 10 = Le 2800