The balance sheet for the newly formed ACME Bank is shown below. Reserves listed on the balance sheet are reserves on deposit at the Federal Reserve. Cash is vault cash held in the bank. Instructions:

RAD methodology emphasizes extensive user involvement in the rapid and evolutionary construction.

A software design approach called RAD was created to combat the rigidity of other conventional software development models, which make it difficult to make changes once the initial development is finished.

Only when a system can be modularized to be deployed incrementally should RAD be employed. If there is a large pool of designers who are available for modeling, it should be employed. Only if the budget allows for the usage of automated code generation tools, should it be employed.

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A safeguard is a defense or precaution. You could describe a flu shot as a safeguard against getting sick, for example. Safeguards protect against something negative, whether it's an attacking army invading a country or a boy you don't like much asking you to the prom.

To safeguard something or someone means to protect them from being harmed, lost, or badly treated. Many antibacterial body washes, such as Safeguard Pure White Body Wash, continue to protect your skin for hours after washing, to help the fight against illness and infection. In addition, they can help inhibit body odor that can result when germs naturally multiply on your skin.

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As Tim Davis would often delegate decision making to her, he will most likely told her, "I want you to make as many decisions at your level as possible, because you deal directly with problems and opportunities and thus have the most relevant information."

In management, a delegation refers to the assignment of authority to another person to carry out specific activities. It is also defined as a process of distributing, entrusting work to another person, and this is known as one of the core concepts of management leadership.

The process of delegation involves the managers deciding which work they should do themselves and which work should be delegated to others for completion. So, from a managerial view, a delegation involves shifting project responsibility to team members and by giving them opportunity to finalize the work product effectively with a minimal intervention.

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A short-term goal is defined as: A. tasks that you set to accomplish specific things in a short period of time.

A short-term goal is a specific and achievable task or objective that a person sets out to accomplish within a relatively short period of time, usually less than a year.

These goals are intended to be completed quickly, helping individuals to move closer towards their long-term aspirations and provide a sense of progress and accomplishment. Short-term goals are often the building blocks towards larger, more significant achievements, and can help individuals stay motivated and focused on their overall objectives.

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Answer:

-Storage

-Financing

-Price Stabilization

-Time utility

Explanation:

Anle Corporation's equity cost of capital can be calculated by considering the expected dividend, the expected stock price, and the current stock price.

In this case, the dividend yield can be calculated as the expected dividend divided by the current stock price, which is $1.00 / $24.73 = 0.0404 or 4.04%. The capital gain can be calculated as the expected stock price minus the current stock price, which is $26.59 - $24.73 = $1.86.

To determine the equity cost of capital, we can use the Gordon Growth Model, which states that the cost of equity is equal to the dividend yield plus the expected growth rate. However, the expected growth rate is not provided in the given information. Without the growth rate, we cannot calculate the equity cost of capital accurately. Therefore, the answer to part (a) cannot be determined based on the given information.

As for part (b), the dividend yield represents the portion of the equity cost of capital that is satisfied by the dividend. In this case, the dividend yield is 4.04%. The capital gain represents the remaining portion of the equity cost of capital that is expected to be satisfied through the increase in the stock price. However, the exact percentage of the equity cost of capital satisfied by the capital gain cannot be determined without knowing the growth rate. Therefore, the answer to part (b) cannot be determined based on the given information.

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Incorporating your successful bicycle repair business can provide various benefits, such as enabling you to raise money more easily (option b). The correct answer is b. raise money more easily.

By becoming a corporation, your business gains the ability to issue shares and attract investors, thus increasing your access to funds for growth and expansion.
However, incorporating does not necessarily help you avoid double taxation (option a), as corporations are often subject to both corporate and individual income taxes. Additionally, incorporating does not allow you to avoid government regulations (option c); instead, it may result in more stringent reporting and compliance requirements. Lastly, incorporating may not grant you greater control in managing the business (option d), as shareholders and a board of directors may have a say in decision-making, potentially diluting your control.

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Answer:

b. School Secretary

e. Librarian

f. Teacher

Explanation:

A school secretary, Librarian, and the teacher are full-time employees in a school. They spend most of their day in school and have offices within the school environment.

School Psychologist, Instructional Designer, and tutor work a few hours in a school. They are unlikely to have offices in the school.

Answer:

B, E, F

Explanation:

To calculate the impact of the change in credit policy on net profit, we need to consider the changes in sales, bad debts, and the cost of trade creditor finance. Let's calculate each component:

a) Impact on Net Profit:

1. Sales:

Current Sales = N$40 million

New Sales = N$38 million

Change in Sales = New Sales - Current Sales

Change in Sales = N$38 million - N$40 million

Change in Sales = -N$2 million (sales decrease)

2. Bad Debts:

Current Bad Debts = 3% of sales for which discounts are not taken

New Bad Debts = 2% of sales for which discounts are not taken

Change in Bad Debts = New Bad Debts - Current Bad Debts

Change in Bad Debts = 2% - 3%

Change in Bad Debts = -1% (bad debts decrease)

3. Discounts:

Current Discount Usage = 50% of customers use the early settlement discount

New Discount Usage = 60% of customers are expected to use the early settlement discount

Change in Discount Usage = New Discount Usage - Current Discount Usage

Change in Discount Usage = 60% - 50%

Change in Discount Usage = 10% (increase in discount usage)

4. Collection Period:

Current Collection Period = 30 days

New Collection Period = 18 days

Change in Collection Period = New Collection Period - Current Collection Period

Change in Collection Period = 18 days - 30 days

Change in Collection Period = -12 days (collection period decreases)

5. Gross Profit Margin:

Gross Profit Margin = 25% (remains unchanged)

Now, let's calculate the impact on net profit:

Change in Net Profit = Change in Sales - Change in Bad Debts - (Change in Discount Usage x Gross Profit Margin) - (Change in Collection Period x (Sales - Change in Sales) / 365 x Opportunity Cost)

Change in Net Profit = (-N$2 million) - (-1%) - (10% x 25%) - (-12 days x (N$40 million - (-N$2 million)) / 365 x 12%)

b) Effective Cost of Trade Creditor Finance:

Current Trade Credit Period = 40 days

Proposed Trade Credit Period = Current Trade Credit Period + Additional Days

Proposed Trade Credit Period = 40 days + 20 days

Proposed Trade Credit Period = 60 days

Effective Cost of Trade Creditor Finance = (365 / Proposed Trade Credit Period) x Cost of Capital

Effective Cost of Trade Creditor Finance = (365 / 60) x 12%

Now, based on the calculations, we can advise BR:

a) The impact on net profit will depend on the specific values calculated in the above steps. If the overall change in net profit is positive, it indicates that the change in credit policy will likely benefit the company. If the change in net profit is negative, it suggests that the proposed credit policy change may have a negative impact on net profit. BR should carefully evaluate the impact and consider other factors such as customer relationships and cash flow implications before making a decision.

b) The effective cost of trade creditor finance can be calculated using the formula provided above. By comparing the effective cost of trade creditor finance with the opportunity cost of investments in working capital (12% per annum), BR can assess whether the proposed trade credit terms are favorable and cost-effective. If the effective cost is lower than the opportunity cost, it indicates that the trade creditor finance is a more affordable option for BR.

It is important for BR to conduct a comprehensive analysis, considering both financial implications and strategic factors, before finalizing any changes to their credit policy or negotiations with suppliers.

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The company would be indifferent between the two projects at a discount rate of [insert value].

To determine the discount rate at which the company would be indifferent between two projects, we need to calculate the net present value (NPV) of each project and compare them. The NPV is a financial metric that takes into account the time value of money by discounting future cash flows back to the present.

Let's assume that Project A has cash flows of $10,000 per year for five years, while Project B has cash flows of $20,000 per year for three years. The discount rate represents the required rate of return or the opportunity cost of capital for the company.

To calculate the NPV for each project, we discount the cash flows using different discount rates and sum them up. We then compare the NPVs to determine the discount rate at which the NPVs are equal, making the company indifferent between the two projects.

For example, if we calculate the NPV of Project A at a discount rate of 10%, and it turns out to be $40,000, while the NPV of Project B at the same discount rate is $45,000, the company would prefer Project B. We continue this process by adjusting the discount rate until we find the rate at which the NPVs of both projects are equal. This rate would be the discount rate at which the company is indifferent between the two projects.

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The software size is calculated in use case points using the UCP method, considering actor weights, use case complexity, technical factors, and adjusting for the final adjusted use case points.

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A sample memo that addresses the following questions: 1. "which if any of the resources are overallocated?" is given below:

To: All the directors

Make an evaluation of the resources in use and find out which ones are overallocated and give me an immediate feedback.

This refers to the term that is used to describe and define a written communication. These messages, which are sometimes abbreviated "memos," are typically succinct and made to be quickly comprehended. Thus, memos can effectively convey crucial information in order to implement dynamic changes.

Hence, it can be seen that from the sample memo above, you would have a good idea on how to make subsequent memos and this would help you achieve your goals and answer the questions, and most importantly, pass your class test and exercises.

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Answer:

Your answer is: C) Employee turnover

Explanation:

Answer and Explanation:

1. The computation of materials price and quantity variances for the year is shown below:-

Material price variance = Actual quantity × (Actual rate - Standard rate)

= 67,000 × ($3.00 - $2.80)

= 67,000 × $1.80

= $120,600  unfavorable

Material quantity variance = (Actual quantity - Standard quantity) × Standard price

= 67,000 - (20,000 × 3.50)) × $2.80

= (67,000 - 70,000) × $2.80

= $8,400 favorable

2. The computation of the labor rate and efficiency variances for the year is shown below:

Labor rate variance is

= (Actual rate - standard rate) × Actual hours

= ($11.80 - $12) × 58,000 direct labor hours

= $11,600 favorable

labor efficiency variance is

= (Actual hours - standard hours) × standard rate

= (58,000 direct labor hours - 20,000 units × 2.8 direct labor hours) × $12

= $24,000 unfavorable

3. a. The computation of variable overhead rate and efficiency variances for the year is shown below:-

variable overhead rate = Actual hours × (Actual rate - Standard rate)

= 58,000 × ($133,400 ÷ 58,000 - $2.00)

= $17,400 Unfavorable

Variable overhead efficiency variance = (Actual hours - Standard hours) × Standard rate

= (58,000 - (20,000 × $2.8)) × $2.00

= (58,000 - 56,000) × $2.00

= $4,000 Unfavorable

3. b. The computation of fixed overhead budget and volume variances for the year is shown below:-

fixed overhead budget variance = Actual fixed overhead - Budgeted fixed overhead

= $312,000 - $315,000

= $3,000 Favorable

Volume variance = (Standard hours allowed - Denominator activity level) × Fixed overhead rate per hour

= ((20,000 × $2.8) - 52,500) × $6.00

= $56,000 - 52,500) × $6.00

= $3,500 × $6.00

= $21,000

Answer:

i guess the answer is :- trend

1. The AD/AS model depicts the relationship between aggregate demand (AD) and aggregate supply (AS) in an economy.

2. In order to rein in the economy, the central bank can conduct an open market operation, which involves buying government securities (e.g., bonds) from commercial banks or selling them to the banks

3. The supply of money in the economy decreases, leading to an increase in the nominal interest rate.

In the long run, the economy's output reaches its potential level, labeled as Yf. In the short run, the equilibrium output level is labeled as Y, and the price level is labeled as PL.

In this case, let's assume the central bank wants to reduce aggregate demand to control inflationary pressures. To do so, the central bank will sell government securities to the banks.

The open market operation described in the previous step, where the central bank sells government securities, will reduce the money supply.

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The statement "The payable premium amount steadily declines throughout the duration of the contract" is not true in the context of decreasing term policy.

To know that which statement is not true, we will the facts associated with 'Decreasing Term Policy';

Thus, this shows that option A asserts a false claim regarding 'Decreasing Term Policy.'

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America must note that Free trade affords countries the opportunity to specialize in the production of goods and services that they are most efficient at producing, leading to lower prices and increased access to a variety of goods and services for consumers.

Protectionism, on the other hand, can lead to higher prices and reduced access to goods and services for consumers.

Note that protectionism can only work under certain factors. China explored this briefly to build capacity then later opened its borders albeit strategically.

Economic protectionism is a policy that limits or controls international trade in order to protect domestic industries. One danger of protectionism is that it can lead to higher prices for consumers.

This is because protectionist measures, such as tariffs, can make imported goods more expensive, which may be passed on to consumers in the form of higher prices.

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The amount of dividends of Hollywood talent services is $5,000 with the given beginning and ending stockholders' equity balances.

A corporation pays its shareholders and owners a dividend, which is a portion of its profits and retained earnings. Dividends may be paid in a number of ways, including stock dividends, cash payments, or any other form. Hence the board of directors of a corporation determines the dividend, which must be approved by the shareholders. The dividend payout ratio on a per-share basis can be computed as an annual dividend per share divided by earnings per share (EPS), or equivalently, or divided by net income.

The dividend of the above stated company, Hollywood talent services is:

Stockholders Equity ( opening Balance)  $34,000          

 Add:                  

 Net Income                              $26,000          

                                                $60,000          

 Less:                  

 Stockholders equity ( closing balance)  $55,000          

 Dividend Paid                       $5,000

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Answer:

Pay for what?

Explanation:

Most things require you to pay a fee.

Answer:

$ 7,322  

Explanation:

$2300 per year is an annuity investment. The formula for future annuity value is as below

FV  =  A  × (1 + r)^n - 1 / r

Where A = amount invested periodically

r = interest rate, 6% or 0.06

n = 3 years

Fv = $2300 x{ (1 +0.6)^3 -1} /0.06

Fv  = $2300 x (1.191016-1) /0.06

Fv  = $2300 x  ( 0.191016/0.06)

Fv =  $2300 x  3.1836  

Fv=  $ 7,322.28

Fv= $ 7,322  

Answer:

Product ABC

Explanation:

Calculation to determine the maximize profit, they should first fill the demand for if the company's constraint is machine hours.

Product ABC's CM per unit= $10/5 minutes

Product ABC's CM per unit=$2 per minute of machine time

Product XYZ's CM per unit=$15/10 minutes

Product XYZ's CM per unit= $1.50 per minute of machine time

Therefore If the company's constraint is machine hours, to maximize profit, they should first fill the demand for PRODUCT ABC because it has the HIGHEST CM PER UNIT.

Answer:

see the answer

Explanation:

I think It is A

Answer:

Discrimination affects people's opportunities, their well-being, and their sense of agency. Persistent exposure to discrimination can lead individuals to internalize the prejudice or stigma that is directed against them, manifesting in shame, low self-esteem, fear and stress, as well as poor health.

Explanation:

Answer:

comparative advantage

Issue stock to investors is the transaction that required this entry. Thus option D is correct.

A journal entry was the one that will be recorded  the transaction. There will be a debit and the credit balance will be provided. There was a cause with the transactions weather cash is involved or not.

When possession of stock transfers, a stock transaction takes place. Different kinds of shares traded exist. A backorder instructs your trading company to purchase or sell a specific amount of stocks.

Therefore, option D is the correct option.

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The question is incomplete, the complete question will be :

Analyze the following journal entry. What is the transaction that required this entry?

a. Record income for the period

b. Borrow from the bank

c. Perform services on account

d. Issue stock to investors

Investors may not want Project Repat to be an S corporation due to the tax benefits associated with it. S corporations are pass-through entities, meaning the company's profits and losses flow through to the shareholders' personal tax returns. This can result in potentially higher tax liabilities for the shareholders.

However, if Project Repat were set up as a C corporation, the company would be taxed separately from its shareholders, allowing for potential tax advantages such as retaining earnings within the company and benefiting from lower corporate tax rates. Therefore, investors may prefer Project Repat to be a C corporation to take advantage of these tax benefits.

If Project Repat were set up as a partnership and one of the co-founders left the company while retaining ownership, it could cause complications. In a partnership, each partner is personally liable for the business's debts and obligations.

If a partner leaves, it may be challenging to determine the division of assets, liabilities, and the partner's share of ownership. The departure of a partner could also lead to a disruption in decision-making, potential disagreements, and difficulties in managing the partnership's operations.

In contrast, a corporation provides a more structured and defined ownership structure, allowing for easier transfer of ownership and continuity in operations, even if a shareholder leaves.

As an angel investor considering investing in Project Repat, several key questions should be asked to assess the investment opportunity.

Thoroughly evaluating these aspects will help the angel investor make an informed decision about investing in Project Repat.

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Answer:

The court gave judgement against Dean because of fraud.

Explanation:

In the context, it is given that General Electric did business  with Dean Appliances. Now Deans's Appliance was sold to Smitty's Appliance, Inc., to which Geneal Electric was unaware.

Smitty hired Dean as his manager and now Dean ordered appliances from General Electric as earlier he had done. But Smitty refused to pay when the invoice came due saying that Smitty did not authorized Dean to make those orders.

General Electric sues Smitty and Dean personally. The most likely outcome of the lawsuit is that the court punishes Dean for breaching and doing fraud with both Smitty and General Electric. Dean is found guilty.

If the coupon rate is 7.5%, and it is redeemable at par in 10 years, then the purchase price of the bond is $1,023.10.

The bond is purchased to yield 6% compounded semi-annually. We need to calculate the purchase price of the bond.

Formula for calculating the present value of a bond

\(P = C × (1 - (1 + r)-n / r) + FV / (1 + r)n\)

where, P = Present value of the bond

C = Coupon payment

r = Discount rate (yield)

FV = Face value of the bond

n = Number of years

Coupon payment C = Coupon rate × Face value / 2

Coupon payment C = 7.5% × 1,000 / 2

= $37.50

Discount rate r = Yield / 2

Discount rate r = 6% / 2

= 3%

Number of years n = 10 years × 2

= 20P

= 37.5 × (1 - (1 + 0.03)-20 / 0.03) + 1,000 / (1 + 0.03)20P

= $1,023.10.

Thus, the purchase price of the bond is $1,023.10.

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Answer:

1. Debit Insurance Expense- $500 Credit Prepaid Insurance $500  

2. $160 Beginning...