Pacific Bank provides loans to businesses in the community through its Commercial Lending Department. Small loans (less than $100,000) may be approved by an individual loan officer, while larger loans (greater than $100,000) must be approved by a board of loan officers. Once a loan is approved, the funds are made available to the loan applicant under agreed-upon terms. Pacific Bank has instituted a policy whereby its president has the individual authority to approve loans up to $5,000,000. The president believes that this policy will allow flexibility to approve loans to valued clients much quicker than under the previous policy. As an intern auditor of Pacific Bank, how would you reposnd to this change in policy?

Nathan's taxable income is $29,500 and his disposable income is $35,500.

Nathan's taxable income can be calculated by subtracting the tax credit from his gross pay and then subtracting the taxes paid.

Taxable income = Gross pay - Tax credit - Taxes paid

Taxable income = $35,000 - $3,000 - $2,500

Taxable income = $29,500

Nathan's disposable income can be calculated by subtracting the taxes paid from his gross pay and adding the tax credit.

Disposable income = Gross pay - Taxes paid + Tax credit

Disposable income = $35,000 - $2,500 + $3,000

Disposable income = $35,500

Therefore, the correct answers are:

Nathan's taxable income is $29,500.

Nathan's disposable income is $35,500.

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Answer:

time share is the answer or townhous

Answer:

Analytical reports are written for external audiences; informational reports are written for internal. An informal writing style is appropriate for external reports

Explanation:

Meaning of Informal Writing Style

Colloquial – Informal writing is similar to a spoken conversation. Informal writing may include slang, figures of speech, broken syntax, asides and so on. Informal writing takes a personal tone as if you were speaking directly to your audience (the reader).

I hope that this helps you

Answer: i think a career path

Explanation:

Answer: Academic Major

Explanation:

Got it right

Considering the situation described above, it is true that in this example, a tariff is being implemented to protect European electrical component manufacturers.

This is because when tariffs are placed on imported goods, the price of imported goods would be higher compared to domestic goods.

This situation would make domestic goods appealing and have more demand than imported goods. As a result, domestic goods are protected from the competition of imported goods.

Hence, in this case, it is concluded that the correct answer is "True."

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The true statement is option (b) Non-statistical samples can provide useful data.

Random samples can be easy or difficult to select, depending on the population size, the availability of the sampling frame, and other factors. It is not a general rule that they are easier to select than nonstatistical samples.

b) Non-statistical samples, such as convenience samples or purposive samples, can still provide useful data, although their representativeness may be limited. Non-statistical sampling may be appropriate in some situations, such as exploratory research or when the population is difficult to access.

c) Stratified random sampling involves breaking the population down into subgroups based on certain characteristics, such as age, gender, or income, rather than geographic subgroups.

d) Systematic sampling is a type of probability sampling, which is a statistical sampling method. It involves selecting every kth element from a sampling frame, where k is a predetermined interval.

Therefore, the correct option is (b) Non-statistical samples can provide useful data.

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Answer:

the goal of vertical integration is typical to increase sales eliminate coast and improve profits by improving business operations backward vertical integration can reduce or eliminate the leverage that suppliers have over the film and why doing to reduce

Answer:

The Belwood Bread Company uses an average of 4,000 kilos of flour daily, with a standard deviation of 500 kilos per day is explained below in detail.

Explanation:

In my practice, it doesn't save capital, but it's still deserving it because it's wholesome and better than reserve purchased at the same amount.

For me, 1kg of all-purpose powder yields 1.6kg of bread (as two cubes). Each 13x4x4" (Pullman) loaf measures about 800 grams after freezing and yields between 22-30 slices related to its width. The value per loaf is under $1.00 and incorporates all components, charge, and electricity for mixing, baking, slicing.

I've created a few hundred loaves based on modifications of this formula:

                     %  grams   cost  calories sodium protein fat sugar

all-purpose powder    100  500   0.417  1833   0      50    17      0

   instant yeast    0.8    4   0.067    16   0       0     0      3

 non-fat dry milk      4   20   0.203    70   0       7    10    109

sugar      4   20   0.019    75   0       0    20      0

      canola oil     10   50   0.072   429  50       0     0

            salt      2   10   0.006     0   0       0     0   3933

           water     56  280   0.000     0   0       0     0      0

     dough total  176.8  884  $0.783  2422  50      57    47   4045

Answer:

Explanation:

sorry if that is not what you were looking for.

The profits of the Tinsley Plastics to manufactures plastic bottles is $162,000.

A profit is defined as the monetary profit. It is particularly the difference between the amount earned, and the amount spent on purchasing, operating, or creating anything.

The formula of profit is:

\(\text{Profits} =\text{ NBV} *\times \text{Required Rate of Return + Residual Income (RI)}\)

Computation of profit:

According to the given information,

Net Book Value (NBV) =  $510,000,

Rate of Return = 12%

Residual Income (RI) = $101,000

Now, apply the given values in the formal of profit,

\(\text{Profits} =\text{ NBV} *\times \text{Required Rate of Return + Residual Income (RI)}\\\\\text{Profits} = \$510,000 \times 12\% + \$101,000\\\\\text{Profits} =\$162,000\)

Therefore, the firm's profits must be $162,000.

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Answer:

Small Business= 4

Entrepreneur= 2

Sole Proprietor= 1

C-Corporation= 5

Franchise= 3

Explanation:

hope this helps

Answer:

1. Manufacturing jobs move to low wage countries.  ⇒ ARGUMENT AGAINST GLOBALIZATION (4. Workers)

2. Increased efficiency of the whole economy.  ⇒ ARGUMENT IN FAVOR OF GLOBALIZATION (1. Producers)

3. Lack of adequate regulations to protect the environment.  ⇒ ARGUMENT AGAINST GLOBALIZATION (2. The environment)

4. Economic power shifts from nations to international institutions.  ⇒ ARGUMENT AGAINST GLOBALIZATION (3. Consumers)

5. Tougher environmental regulations follow economic progress.  ⇒ ARGUMENT IN FAVOR OF GLOBALIZATION (2. The environment)

6. Real power resides with nation-states.  ⇒ ARGUMENT IN FAVOR OF GLOBALIZATION (3. Consumers)

7. The gap between the rich and the poor nations of the world has gotten wider.  ⇒ ARGUMENT AGAINST GLOBALIZATION (3. Consumers)

8. Living standards improve. ⇒ ARGUMENT IN FAVOR OF GLOBALIZATION (3. Consumers)

A collection of financial records that employ double-entry accounting is referred to informally as a T-account.

The phrase defines how the bookkeeping entries appear. On a page, a huge letter T is first drawn.The account name is then written above the top horizontal line and split by the bottom horizontal line., and below that, split by the vertical T of the letter, debits are reported on the left and credits are recorded on the right.

Every financial transaction is taken into account to have an impact on at least two of a company's accounts in double-entry bookkeeping, a common accounting technique. Each transaction will be recorded in one account as a debit entry and in the other as a credit entry.

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Answer: Delivery Truck Driver.

Explanation:

Delivery Truck Driver. This team member would not be involved in managing the stock levels of goods or materials because their role is to transport goods from one location to another. They do not have the responsibility of tracking and managing the inventory.

Answer:

B

Explanation:

A country has comparative advantage in production if it produces at a lower opportunity cost when compared to other countries.

A company has absolute advantage in the production of a good or service if it produces more quantity of a good when compared to other countries

Leila makes more sweaters and cookies than Sami. She has an absolute advantage

opportuntiy cost

Sami :

Sweaters = 240 / 5 = 48

cookies = 5/240 = 0.02

The Notary Signing Agent should NEVER collect a copy or take a photo of the Requestor's ID is a true statement.

Requestor ID is termed as an identifier utilized that is termed for the vendors to demand network tokens from the card organizations.

A  Notary Signing Agent shouldn't snap a picture of an ID to send it to the bank. This is definitely not a safe method for transmission. Since the card-on-record network tokens are shipper explicit, there is higher trust in giving banks and diminished extortion.

The  Notary Signing Agent ought to: Suggest that the borrower contact the moneylender's agent prior to marking the reports. . One actually should cautiously survey the End Revelation to ensure that the provisions of one's advance are the thing you are anticipating.

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Answer:

??????????????????/

Explanation:

Answer:

hold up what did you just say

Explanation:

The financial decisiοns and actiοns that entrepreneurs take when launching οr managing a firm are referred tο as entrepreneurial finance (EF). This cοvers everything frοm οbtaining startup financing and cοntrοlling financial flοw tο selecting investments and fοrmulating develοpment plans.

Cash flοw management, incremental risk and reward, time value οf mοney, incremental cash flοws, the οppοrtunity cοst οf capital, risk management, cοntingency planning, and cοntingency planning are essential fοr successful entrepreneurial finance.

The entrepreneur raises mοney tο develοp an idea, hire key persοnnel, and cοnduct market research. At the early stage, the entrepreneur has a business plan and prοtοtype οr prοοf οf cοncept. At the grοwth stage, funds are raised tο scale the business, expand intο new markets, and hire additiοnal persοnnel. At the mezzanine stage, the business is preparing fοr an IPO οr acquisitiοn. At the exit stage, the funds are used tο reward investοrs and entrepreneurs.

Based οn the investment tactics used, there are many types οf entrepreneurial finance. Here are the tοp three. Bοοtstrap Financing is a self-funded fοrm οf entrepreneurial finance where entrepreneurs use their οwn savings, persοnal credit cards, and/οr small lοans frοm friends and family tο get their business οff the grοund.

Angel Investing is a high-net wοrth individual whο prοvides funding tο early-stage startups in exchange fοr equity οwnership. Venture Capital is a type οf financing that is best suited fοr startups that have prοven their prοduct οr service and are ready tο scale up.

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a) A family business pertains to a corporation on which one or multiple relations of a household invest in and manage it. These companies might be transferred throughout patriarchies and generally feature close familial ties and concentration on preventing long-term anticipations.

b) Invention speaks about the invention and integration of innovative or better services, items, or processes that lead to noticeable changes or values. It integrates originality, hazard taking, and readiness to defy the traditionally accepted standards for the idea of advancing and sufficing customers’ desires or resolving issues.

c) Small business refers to an enterprise with restricted personnel and usually possessed capacity. These businesses can originated from single proprietors and serve narrow demographics or vicinity markets.

d) Networking outlines the method of cultivating and preserving interactions with individuals' collections in order to exchange knowledge, investments, and chances. It includes communally dynamic attitude, productive communication, and respect to collaborate and exchange experience.

e) Entrepreneurship portrays the process of starting and regulating a new commercial venture. It incorporates recognizing an absence or other possibility in the market, manufacturing a service/product to meet that want, and bringing into fruition via tactical planning, risk-taking, and novelty. Businesspeople normally possess a mix of creative imagination, passion, and firm understanding.

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The first step in researching a small business in your neighborhood is to find a suitable nearby manufacturing company.

Once you do, contact the manager or owner to arrange an interview. Gather general information during the interview, such as the name of the company or business, what types of products or services they provide, the interviewer's position, and the time and date of the interview.

Then, focus on the detrimental effects different situations can have on the company. Briefly describe the impact on business of informational gaps, price discrimination, immobility of production variables (with a focus on physical capital), and structural changes.

Interview three to four locals who live close to the establishment you just visited. Ask them to list two unfavorable and two beneficial externalities brought about by the neighborhood business. Ask them to add two properties of public goods to the list as well.

Finally, use the data from the interviews to create graphs showing the positive and negative externalities of business on society. These infographics will graphically describe the costs and benefits that the company's neighborhood has.

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a. An increase of $20 per unit is necessary to cover the 15 percent increase in direct labor cost and maintain the desired contribution margin ratio.

b.The fixed costs and desired operating income remain the same, so the contribution margin per unit of $40 is used. The required sales volume is 18,500 units.

c. The estimated operating income after capacity expansion can be determined by increasing the production and sales volume by 25 percent, i.e., 23,125 units

a. To maintain the current contribution margin ratio of 40 percent, the selling price per unit needs to be increased by 20 percent [(15 percent wage increase) / (current contribution margin ratio)].

Therefore, an increase of $20 per unit is necessary to cover the 15 percent increase in direct labor cost and maintain the desired contribution margin ratio.

b. To maintain the current operating income of $350,000, the number of units that must be sold can be calculated using the contribution margin ratio.

The fixed costs and desired operating income remain the same, so the contribution margin per unit of $40 is used. The formula for calculating the required sales volume is:

(Number of units) = (Fixed costs + Desired operating income) / Contribution margin per unit

Plugging in the values, we have:

(Number of units) = ($390,000 + $350,000) / $40 = 18,500 units

c. Before the capacity expansion, the estimated operating income can be calculated using the current production and sales volume of 18,500 units.

The estimated operating income after capacity expansion can be determined by increasing the production and sales volume by 25 percent, i.e., 23,125 units.

The schedules of estimated operating income at full capacity before and after the expansion can be prepared by multiplying the respective sales volumes with the contribution margin per unit and subtracting the fixed costs and the wage increase.

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Answer:

searching for scholarships or choosing an adorable school

Answer:

The correct answer is:

0.50 (B)

Explanation:

The Lerner index is used by monopolists to measure market/monopolist power, and it is defined as the percent markup of price over marginal cost.

It is given by the formula:

\(L = \frac{P - MC}{P}\\where:\\L = Lerner\ index\\P = price = \$40\\MC = marginal\ cost = \$20\\\\L = \frac{40\ -\ 20}{40} \\L = \frac{20}{40}\\ L = 0.5\)

Note: in a perfectly competitive market, L = 0, which makes Price = Marginal cost in the equation above. But in a competitive market, it is always the case that L ≥ 0

Answer:

1.List the three steps of the planning phase of the strategic marketing process.

The three sepecifc steps are:

2.Which demographic cohorts are also known as the Millennial and Z Generations?

Millenials: those born between 1981 and 1996. They tend to be progressive, and be interested in social media, internet culture, and technology.

Generation Z: those born between 1996 and and the early 2010s. They are much like millenials but even more so: more progressive, more interested in technology, and in social justice causes.

This information is crucial for marketers because they help complete the first step in the marketing planning process: targeting an audience. The demographic cohorts are in fact, market segments, albeit very broad ones.

3.Explain the actions and considerations that relate to the five stages of the consumer purchase decision process.

Problem or need recognition: in this stage, the customer becomes aware of a need that has not been met.

Information search: the customer looks for a product or service that can meet his needs.

Evaluation of alternatives: the customer chooses among the goods or services that could meet his needs.

Purchase: the customer completes the market transaction: the purchase of the good or service.

Post-purchase behaviour: the customer makes use of the product, or service, and decides whether his need was satisfied or not. ALso decides whether to buy the same good or service in the future or not.

12.18 because you multiply them together think

Explanation:

yes

Answer:

Because the lender can foreclose if they don't make your payments.

There are three components in any integrated marketing communication approach: the Consumer Being Targeted, the channels through which the statement is communicated, and evaluation of the results of the communication.

Integrated marketing is the process of unifying all elements of marketing communication — such as advertisement, PR, and social media — and utilizing their respective mix of media, channels, and tactics to produce a seamless and customer-centric experience.

Integrated marketing communications is the technique by which a company provides different promotional methods within a marketing campaign are clear, constant and working toward the same goal.

IMC strategy include:

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