Based on the information given, the real interest rate that Maria's total real return over the 3-year period will be 0.94%.
Inflation rate in 2012 will be:
= (105/100) - 1 = 5%
Inflation rate in 2013 will be:
= (110/105) - 1 = 4.76%
Inflation rate in 2014 will be:
= (118/100) - 1 = 7.27%
The average inflation rate for three years will be 5.67%.
The real return for 2012 will be:
= (1 + 0.06) / (1 + 0.05) - 1
= 0.95%
The real return for 2013 will be:
= (1 + 0.06) / (1 + 0.0476) - 1
= 1.18%
The real return for 2014 will be:
= (1 + 0.06) / (1 + 0.0727) - 1
= -1.18%
Therefore, the rate of return over the three years period will be:
= (1 + 0.095) × (1 + 0.118) × (1 - 0.118) - 1
= 0.94%
In conclusion, the correct option is 0.94%.
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If you were as salesperson selling CRM software, during the preapproach phase you would try to find out as much as possible about your customer's wants and needs by asking questions such as
Answer:
How do you maintain connection and relationships with your customers now?
Answer:
How do you maintain connection and relationships with your customers now?
Explanation:
During the preapprovals phase, a salesperson selling CRM software would strive to learn as much as possible about his customer's wants by asking questions about maintaining customer relationships.
Why customers relationship is important for the businessmen?The customers' relationship is important for the businessmen to build the long-term success.
Building a functioning relationship with customers is critical to a company's long-term success.
Customers feel more safe and connected to a business when they have a strong connection built on trust and communication, and this can lead to increased customer retention and repeat purchases.
The questions regarding the wants of the customer be like, “How do you keep in touch with your consumers and maintain connections with them?”
Therefore, building the customers' relationship is important for the businessman.
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Why was the ford excursion discontinued?
Answer:
the Excursion's lack of market success is the key reason why Ford is discontinuing the Excursion
Explanation:
(a) Direct Labor Rate Variance:
(b) Labor Efficiency Variance:
(C) Total Direct Labor Cost Variance:
why is nobody is answering??
Explanation:
(a) Direct Labor Rate Variance:Direct Labor Cost Variance is the difference between the actual direct labor cost, and the standard cost.
The formula for calculating the direct labor cost variance is:
Actual cost per DLH = (Actual) direct labor cost incurred / Actual amount of direct labor hours.
Actual cost per DLH = $360,000/20,000 = $18 per DLH
Direct Labor Cost Variance = [Actual Cost (AC) - Standard Cost (SC)] × Actual quantity of labor hours (AQ).
Direct Labor Cost Variance = ($18 per DLH - $16.50 per DLH) × 20,000 hours
Direct Labor Cost Variance = $1.50 × 20,000 hours
Direct Labor Cost Variance = $30,000 ( U )
The direct labor cost variance is unfavorable because because the firm paid $1.50 more per hour than expected ($18 actual cost - $16.50 standard cost).
(b) Labor Efficiency Variance:
Direct Labor Efficiency Variance: The difference between the actual quantity of labor hours and the labor hours that should have been used (standard quantity).
Direct Labor Efficiency Variance = (AQ − SQ) × SC
We must determine the standard quantity of labor hours before we could solve for the direct labor efficiency variance.
SQ = 45,000 units × 0.5 hours = 22,500 total DLH
Substitute the SQ into the calculations for the direct labor efficiency variance:
Direct Labor Efficiency Variance = (20,000 DLH - 22,500 DLH) × $16.50 per DLH
Direct Labor Efficiency Variance = $41,250 ( F )
The $41,250 direct labor efficiency variance is favorable because the employees worked 2,500 fewer hours than the flexible budget called for to produce 45,000 units.
(c) Total Direct Labor Cost Variance:
Total Direct Labor Cost Variance = Cost Variance - Efficiency Variance
Total Direct Labor Cost Variance = $30,000 ( U ) - $41,250 ( F )
Total Direct Labor Cost Variance = $11,250 ( F )
The $11,250 favorable direct labor variance suggests that total labor costs were significantly less than expectations. The reasons are:
The employees produced 45,000 units in 20,000 hours instead of the expected 22,500 hours—hence, a favorable efficiency variance. The firm also paid its workers an average of $18 per labor hour instead of the standard rate of $16.50—thus, an unfavorable cost variance.
*Note:
This will be the last time that I'll help out with a non-math related topic.
Novak Corp. sold $4,300,000, 4%, 10-year bonds on January 1, 2022. The bonds were dated January 1 and pay interest annually on January 1. Novak Corp. uses the straight-line method to amortize bond premium or discount. The bonds were sold at 103. Prepare a bond premium amortization schedule for the first four interest periods. Annual Interest Periods Interest to Be Paid Interest Expense to Be Recorded Premium Amortization Unamortized P
The Novak Corp.'s Bond Premium Amortization Schedule is as follows:
Bond Premium Amortization Schedule:
Periods Interest to Interest Expense Premium Unamortized
Be Paid to Be Recorded Amortization Premium
1 $172,000 $159,100 $12,900 $116,100 ($129,000 - $12,900)
2 $172,000 $159,100 $12,900 $103,200 ($116,100 - $12,900)
3 $172,000 $159,100 $12,900 $90,300 ($103,200 - $12,900)
4 $172,000 $159,100 $12,900 $77,400 ($90,300 - $12,900)
Data and Calculations:
Face value of bonds = $4,300,000
Proceeds from bonds = $4,429,000 (1.03 x $4,300,000)
Premium on bonds = $129,000 ($4,429,000 - $4,300,000)
Annual amortization of bonds premium = $12,900 ($129,000/10)
Coupon interest rate = 4%
Maturity period = 10 years
Date of issue = January 1, 2022
Annual interest payment = $172,000 ($4,300,000 x 4%)
Annual interest expense = $159,100 ($172,000 - $12,900)
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What happens if people believe that government spending on library books will encourage even more reading and increase the private purchases of books
Answer:
That will be a good thing. Reading is great for everyone.
Fiscal policy will have a larger impact on the economy than if people didn't increase their purchases of books is the happens if people believe that government spending on library books will encourage even more reading and increase the private purchases of books. Hence, option B is correct.
What is Fiscal policy?The use of taxation and expenditure by the government to affect the economy is known as fiscal policy. Fiscal policy is often used by governments to encourage robust, long-term growth and to lower poverty.
Tax reductions and greater public spending are the two main manifestations of expansionary fiscal policy. Both of these measures aim to boost overall demand while reducing budget surpluses or adding to deficits.
Using taxation and spending by the government to influence the economy. escalating taxes. tax that is levied at a higher rate of taxation as income increases. Important phrases.
Thus, option B is correct.
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The options were attached below-
Which of the following behaviors is consistent with the socioemotional role?
reduce tension, give opinions, compromise, seek information, all of these
Answer:
all of these
Explanation:
Jack Masters earns $40,000 a year. His monthly expenses total $2,100. What is the minimum amount of money that Mr. Masters should set aside in an emergency fund
Based on Mr. Jack Masters' monthly expenses of $2,100, he should set aside $6,300 or three months of his monthly expenses as the minimum for the emergency fund.
Data and Calculations:
Masters annual earnings = $40,000
Monthly expenses = $2,100
Maximum fund for emergency = $12,600 ($2,100 x 6)
Minimum fund for emergency = $6,300 ($2,100 x 3)
Thus, Jack Masters should aim to put aside $6,300, which represents three months of his living expenses, while the maximum fund for emergency should be $12,600 or six months of monthly expenses.
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________ commerce involves the payment of a fee to have products and services delivered on a recurring schedule.
Answer: Subscription
Explanation:
Subscription commerce involves the payment of a fee to have products and services delivered on a recurring schedule.
What is Subscription Commerce?Subscription commerce is a type of business model that allows a customer to pay at intervals a recurring price in order to have access to a product or service.
In subscription commerce, a customer must renew his subscription otherwise, he wouldn't be allowed access to the product or service. This payment must be made at intervals.
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Before filing a consumer complaint, you should
A. write a negative review
B. threaten legal action
C. gather documentation
D. consult a lawyer
When accounting for a sales-type lease, the lease receivable amount is unique from the sales revenue and cost of goods sold amounts because it includes the bargain-renewal option. bargain-purchase option. unguaranteed residual value. guaranteed residual value.
There are different kinds of lease. The lease receivable amount is unique from the sales revenue and cost of goods sold amounts because it includes the unguaranteed residual value.
A lessor with a sales-type lease that has an unguaranteed residual value embedded is often made available to the lessor at the end of the lease term, that will report sales revenue in the starting time of the lease at the present value of the minimum lease payments.For a sales-type lease, the gross profit is known to be the same regardless if the residual value is said to be guaranteed or not.
In a sales-type lease, the starting direct costs are expenses in the year it was incurred and so there is a reduction of the present value of the unguaranteed residual value from sales revenue and cost of goods sold.
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7. Constant growth rates One of the most important components of stock valuation is a firm’s estimated growth rate. Financial statements provide the information needed to estimate the growth rate. Consider this case: Robert Gillman, an equity research analyst at Gillman Advisors, believes in efficient markets. He has been following the mining industry for the past 10 years and needs to determine the constant growth rate that he should use while valuing Pan Asia Mining Co. Robert has the following information available: • Pan Asia Mining Co.’s stock (Ticker: PAMC) is trading at $13.75. • The company’s stock is expected to pay a year-end dividend of $0.66 that is expected to grow at a certain rate. • The stock’s expected rate of return is 6.60%. Based on the information just given, what will be Robert’s forecast of PAMC’s growth rate?
Based on information given, Robert’s forecast of PAMC’s growth rate will be 11.4%.
Here, we are going to calculate Robert’s forecast of PAMC’s growth rate by using the information provided..
The formula to be deployed is Price = Dividend in 1 year/(cost of equity - growth rate)
Given Information
Pan Asia Mining Co.’s stock is trading at $13.75
Expected year-end dividend = $0.66
Stock’s expected rate of return = 6.60%.
$13.75 = $0.66 / (6.60% - Growth rate)
$13.75 = $0.66 / (0.066 - Growth rate)
$13.75*((0.066 - Growth rate) = $0.66
$0.9075 - $13.75(Growth rate) = $0.66
$13.75(Growth rate) = $0.66 + $0.9075
Growth rate = $1.5675 / $13.75
Growth rate = 0.114
Growth rate = 11.4%
Therefore, Robert’s forecast of PAMC’s growth rate will be 11.4%.
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Which of the following attributes of a competitor is important in strategic planning?
How do our competitors define their target markets?
Are our competitors missing any potential markets?
How do our competitors meet the needs of their target markets?
All of the above
Determine which variables are significant—at either the 99% or 95% confidence level—and which are not significant at either level. Make sure to choose the highest level of significance for each variable.
help meh plzzzz :)))
Answer:
I THINK 1, is C: insurance
2, is B: interest
3, is A: less, more
What restrictions donors may impose on the use of resources they contribute to a not for profit organization
Answer:
NFPs (1) receive significant amounts of resources in the form of donations from providers; (2) operate for non-profit earning purposes; and (3) lack ownership interests that can be sold, transferred, or redeemed
What characteristics distinguish government organizations from NFPOs?
Government entities (1) have officers popularly elected or boards that are appointed or approved by entities that are governmental; (2) may have power to tax; (3) may have power to issue tax-exempt debt; or (4) can be dissolved unilaterally by a government and their net assets assumed by it without compensation.
What financial statements must be prepared by all VHWOs and ONPOs? What additional financial statements must be prepared by VHWOs?
(1) A statement of financial position, (2) a statement of activities, and (3) a statement of cash flows. VHOs prepare a statement of functional expenses.
Identify and briefly describe the three classifications of net assets on the financial statements of NFPOs.
1. Unrestricted: net assets are resources neither temporary nor permanently restricted.
2. Temporarily restricted: net assets result generally from contributions and other asset inflows whose use is limited by donor-imposed stipulations that expire over time or can be fulfilled and removed by the organization's actions in accordance with the stipulations.
3. Permanently restricted: net assets result generally from contributions and other asset inflows whose use is limited by donor-imposed stipulations that expire neither over time or being fulfilled or removed by the organization's actions.
State the 4 elements of the general rule for reporting the receipt of contributions other than services and collections.
1. Reported as revenues/gains in period received.
2. Reported as assets, decreases of liabilities, or expenses, depending on the form benefits take.
3. Measured at received benefits' FV
4. Reported as (un)restricted support
Restrictions donors may impose on the use of resources they contribute to NFPOs.
Temporary restriction-donation must be used for a specific purpose, such as a special training program; restriction satisfied when money is spent for purpose. Also when gift may be used.
Permanent restriction-endowment whose principal must be maintained intact permanently, but whose income by be used in any way by the organization or a specific purpose.
How are estimated uncollectible pledges expected to be reported in the NFPO's F/S?
Reported as deductions from revenue generated by pledges and as contras (subtractions) from the related receivables.
Differences between donor-imposed restriction and conditional promise to give? How is each reported in F/S?
DIR: limits use of contributed assets beyond broad limits resulting from organization's nature and asset's purpose
Explanation:
Placing importance on achieving economic efficiency: A. implies no role for government. B. is a normative judgment. C. is a positive judgment. D. implies that government should be the main coordinating force.
Answer:
I'd say its B
B: is a normative judgment.
Explanation:
Because Business can either be successful of an absolute fail so really it would be half and half.
Placing importance on achieving economic efficiency is a normative judgment, option (B) is correct.
What is economics?The term Economics is the study of scarcity and its inferences for the use of resources, manufacture of goods and services, growth of production and welfare over time, and a great diverseness of other complex issues of vital concern to society.
Economic skillfulness is important because it grants businesses to reduce their costs and change their output. For consumers, economic efficiency leads to lower prices for goods and services. For the government, is a normative judgment. More efficient tautens and higher levels of productivity and worldly activity increase economic growth.
Therefore, option (B) is correct.
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Suppose the government collected $3.2 trillion in tax revenues and spent $3.8 trillion, and discretionary spending was $1.5 trillion. For the government to fully balance the budget this year, how much discretionary spending needs to be cut
Answer:
40%
Explanation:
Which of the following is more common in large teams?
Answer: The development of subgroups
What kind of fiscal policy would work fastest during a recession and would be effective at growing the economy, as opposed to working more slowly during a recession
The kind of policy that would be very effective during recession, and for the economy growth is Expansionary fiscal policy.
Expansionary fiscal policy can be regarded as one that would bring an increase to the level of aggregate demand.This can take place through increases in government spending as well as reductions in taxes and this will be good to tackle the recession.We can conclude that Expansionary fiscal policy is right.
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Computing Depreciation Expense. Equipment costing $680,000, with an expected scrap value of $60,000 and an estimated useful life of 5 years, was purchased on January 1, 2012. Calculate the depreciation expense for years 2012 to 2016 using: (a) the straight-line method and (b) the double-declining-balance method. Round to the nearest whole number.
The depreciation expenses for the five years using the two depreciation methods are as follows:
Year Depreciation Expenses
Straight-Line Double-Declining
Method Method
2012 $124,000 $272,000
2013 124,000 163,200
2014 124,000 97,920
2015 124,000 58,752
2016 124,000 28,128
Data and Calculations:
Cost of Equipment = $680,000
Estimated Scrap value = $60,000
Estimated useful life = 5 years
Equipment purchase date = January 1, 2012
Depreciable amount = $620,000 ($680,000 - $60,000)
Straight-line Depreciation method:
Depreciation expense for each of the five years = $124,000 ($620,000/5)
Double-declining-balance method:
Depreciation rate per year = 40% (100/5 x 2)
Year Depreciation Reduced
Expense Balance
2012 $272,000 ($680,000 x 40%) $408,000 ($680,000 - $272,000)
2013 163,200 ($408,000 x 40%) 244,800 ($408,000 - $163,200)
2014 97,920 ($24,800 x 40%) 146,880 ($244,800 - $97,920)
2015 58,752 ($146,880 x 40%) 88,128 ($146,880 - $58,752)
2016 28,128 ($88,128 - $60,000) 60,000 ($88,128 - $28,128)
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If you save $ 12 each week at 6% annually how much will be your money in 5 years
Answer:
Explanation 1000
schock soda hired a local agent ot handle marketing when it started ecporting products to south america what should shock soda do to best remedy this situation to its advantage
Answer:
Set up a wholly owned subsidiary to handle local marketing.
Explanation:
Explaining the benefits of a product feature is part of the ______ in a sales process.
Answer: presentation
Answer:
Prospecting.
Preparation.
Approach.
Presentation.
Handling objections.
Closing.
Follow-up.
Explanation:
Explaining the benefits of a product feature is part of the presentation in a sales process.
What is sales presentation?A sales presentation is a stage in the sales process in which sales professionals show the value proposition of a product or service and use it to persuade potential customers.
Simple and concise presentations are the most successful. They convey a visual story about how your product or service can alleviate your customers' problems. Sales decks should be simple to understand so that your audience can concentrate on the message rather than being distracted by complex words and images.
It demonstrates a grasp of why prospective customers would use our product and how its features can assist them in resolving their problems.
Therefore, in the presentation, the benefits of a product features are explained.
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Joseph is writing a report tracing the three-month development of a new office site. What type of organizational method should he use
Organizational methods refer to the systems of computing activities and events. For Joseph who is writing a report tracing the three-month development of a new office site, he should use the;
Time organizational method.As the name suggests, the time organizational method arranges events according to the time of their occurrence. The same is applicable for the report that Joseph is computing.
He will organize the activities according to the stages and time of occurrence within the three-month time frame.
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Which type of savings account offers the best interest rates?
A. Savings account
B. Checking account
C. Money market account
D. Certificate of deposit
Certificate of deposit is a type of savings account offers the best interest rates. It has the highest rate of interest among all the savings accounts, but they have limited funds.
What is Certificate of deposit?Certificate of deposit is the saving account that holds the fixed amount of money for a particular fixed time like six months, 5 years and according to that back pay the interest.
When a person redeem or take out the money from certificate of deposits they get the whole amount with the interest.
Thus, option D is correct.
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A measure of a company's solvency is the asset turnover ratio. acid-test ratio. current ratio. times interest earned.
Answer:times interest earned
Explanation:
A measure of a company's solvency is the times interest earned. Thus, option (d) is correct.
What is solvency?
Solvency is a term used to describe a person's or organization's financial stability, usually in reference to whether or not the party has more assets than debt.
The ability of a company to pay its long-term debts and obligations is evaluated using a solvency ratio. The equity ratio, the debt-to-assets ratio, and the interest coverage ratio are the three primary solvency ratios.
As a result, option (d) is correct.
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The largest components of federal regulation are A. the transportation sector and the environment. B. finance and banking and the environment. C. consumer safety and workplace conditions. D. the transportation sector and the banking sector.
Answer:
C. consumer safety and workplace conditions
Explanation:
The largest components of federal regulation are consumer safety workplace
that's the correct answer make me brainlest thankyou:>
Malcolm (37) is a U.S. citizen. He was married at the beginning of 2020. His wife lived in the household until the end of February, then she moved out of the home. Their divorce was finalized on November 30, 2020, and Malcolm has not remarried. Malcolm provided 100% of the support for his son, who lived with him all year and is his qualifying child. Malcolm's most advantageous filing status is:
Based on the fact that Malcolm is a U.S. citizen and provided 100% of the support for his son, who lived with him all year and is his qualifying child, his most advantageous filing status is D. Head of household.
It should be noted that Malcolm can file a separate return from his ex-wife as the head of household. This is due to the fact that he stayed with his son and paid 100% maintenance for the son.
Under the head of household, the gross income is $18650 for those under the age of 65. Malcolm can also get dependent care credit, earned income credit, and education credit.
Therefore, he should file as head of household.
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An investor receives $1,100 in one year in return for an investment of $1,000 now. Calculate the percentage return per annum with: (a) Annual compounding (b) Semiannual compounding (c) Daily compounding (d) Continuous compounding
1. Before there was a federal income tax, what taxes did Americans have to pay?
2. Explain why tariffs are considered regressive taxes.
3. Describe the first institution of the income tax in the United States, the reason behind it, and what happened to it.
4. Even though the amendment that allowed income tax was passed again in 1913, what events led to its being enforced among all Americans?
5. How did the government try to influence citizen’s views of paying income tax? Would this have worked for you?
6. How can the government drive their policies using income tax?
Answer:
1.local property taxes and tariffs
2.tax applies equally to everyone
3.The system of tax began in America in the year 1861, this was during the civil war, where the Congress passed an Act that included a tax on personal incomes in order to meet up war expenses.
4. The Revenue Act of 1913
5.As in the Civil War, Congress turned to the income tax to quickly raise large amounts of revenue. In 1917, Congress lowered the standard exemption to $1,000 for individuals thus expanding the taxpayer pool. At the same time, the lawmakers increased the base tax rate from 1 percent to 2 percent.
6.when we according rule of tax now the citizen buying the tax the government can drive any purpose
Explanation:
