A factor that is used to determine an applicant's creditworthiness is occupation and salary.
What determines an applicant's creditworthiness?An applicant's creditworthiness is the measure of the ability to be able to repay a debt. The creditworthiness is determined by occupation and salary and faithfulness with repaying previous debts. A credit score is usually used to indicate credit worthiness.
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The marketing concept that states that a business must find out what consumers want and provide it for them is called the:
The marketing concept that states that a business must find out what consumers want and provide it for them is called the customer orientation.
What is Customer orientation?Customer orientation can be regarded as the business approach which involves giving attention to customer first by the company.
It focus on helping customers meet their goals and find out what consumers want and provide it.
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Marla sells grapes in a perfectly competitive market. The market price for 1 ton of grapes is $1,000. Marla has 5 tons of grapes to sell. If her total variable cost is $4,600 and her total fixed cost is $400, then Marla is making a normal profit. False True
Based on Maria's variable and fixed costs as well as the market price for grapes, then Maria is making a normal profit so this is TRUE.
What is Marla's profit?This can be found as:
= (Tons of grapes to sell x Market price) - variable cost - fixed cost
Solving gives:
= (5 x 1,000) - 4,600 - 400
= $0
This is a normal profit because normal profits are defined as earning $0 net profit or breaking even.
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The title to an automobile or the deed to a cattle ranch assures a buyer that the seller is the legitimate owner of that property. This is an example of property rights _________.
The above is an example of property rights facilitating exchange.
What is property right?This refers to the legal right to own a property whether or not they are tangible or intangible.
Property rights enables one to do the following:
A person has the authority to own a property.The property can be used within the law as he deemed fit.Receive any income that the property generates.Hence, the above is an example of property rights facilitating exchange.
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On April 1, Griffith Publishing Company received $1,908 from Santa Fe, Inc. for 36-month subscriptions to several different magazines. The subscriptions started immediately. What is the amount of revenue that should be recorded by Griffith Publishing Company for the first year of the subscription assuming the company uses a calendar-year reporting period
The amount of revenue that should be recorded by Griffith Publishing Company for the first year of the subscription is: $477.
Amount of revenueUsing this formula
Revenue= Received amount × Number of months ÷ Number of subscription months
Let plug in the formula
(April 1- December 31= 9 months)
Revenue= $1,908× 9 months ÷ 36 months
Revenue= $477
Therefore The amount of revenue that should be recorded by Griffith Publishing Company for the first year of the subscription is: $477.
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A bond, which pays $80 in annual coupon, and has a face value of $1,000. What is its yield to maturity if the bond has 20 years remaining until maturity and currently selling for $1,200?
The yield to maturity of the bond, which pays $80 in annual coupon with a face value of $1,000 and currently sells for $1,200 with 20 years remaining until maturity is 6.22%.
What is yield to maturity?The yield to maturity shows the percentage rate of return for a bond when the investor holds the asset until its maturity date.
The yield to maturity can be computed using an online finance calculator as follows:
Data and Calculations:Face value = $1,000
Bond price = $1,200
Annual coupon rate = 8% ($80/$1,000 x 100)
Years to maturity = 20 year(s)
Result:
Yield to maturity (YTM) = 6.22%
Thus, the yield to maturity of the bond, which pays $80 in annual coupon with a face value of $1,000 and currently sells for $1,200 with 20 years remaining until maturity is 6.22%.
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Natasha has $1000 to open a checking account. She can maintain a monthly balance of $600. She also has a savings account at the same bank. Her employer offers direct deposit and she plans to use online bill paying. She writes about eight checks per month. She currently uses the ATM machines at several different banks. Natasha sometimes overdraws her account. Bank Account Terms and Conditions Natasha wants an account with the lowest fees. Which checking account would be best for Natasha
Based on Natasha's preferences and the conditions offered by banks to her, the checking account that would be best is Account A.
Why is Account A best for Natasha?She has $600 is more than the $500 minimum balance required. She will not have to pay ATM fees for withdrawing from other bank ATMs.
She won't get charged for online bill payments and because she has a savings account, her overdraft fees would be $0. She can also write as many checks as she wants.
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Answer:
Based on Natasha's preferences and the conditions offered by banks to her, the checking account that would be best is Account A.
Explanation:
Why is Account A best for Natasha?
She has $600 is more than the $500 minimum balance required. She will not have to pay ATM fees for withdrawing from other bank ATMs.
She won't get charged for online bill payments and because she has a savings account, her overdraft fees would be $0. She can also write as many checks as she wants.
Within a ________________________ economy, we often see both producers and consumers responding to the incentive of price changes.
Within a market economy, we often see both producers and consumers responding to the incentive of price changes. Read below about market economy.
What is a market economy?A market economy is an economic system in which the decisions regarding investment, production and distribution to the consumers are guided by the price signals created by the forces of supply and demand.
Therefore, the correct answer is market economy.
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When an employer's contribution is used to buy stock in the company for its employees, it has a: A) 401(k) plan. B) Money-purchase plan. C) Profit-sharing plan. D) Salary-reduction plan. E) Stock bonus plan.
When an employer's contribution is used to buy stock in the company for its employees, it has a 401(K) plan. Thus option (A) is correct.
What is 401(K) plan?It is an retirement provided to all the employees by the employers which is also an investment plan. Employees receive a tax credit on their contributions to a 401(k) plan.
Automatic contributions are taken out of employees' paychecks and invested in funds of their choosing.
A 401(K) plan exists when an employer's contribution is utilized to purchase company stock for its employees. As a result, choice (A) is right.
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The professional organization that promotes the advanced of the management accounting profession is:.
The professional organization that promotes the advanced of the management accounting profession in the United States is the Certified Management Accountants Institute.
In some other countries like Britain and Canada, it is called Chartered Institute of Management Accountants.
When the Fed decreases the interest rate paid on reserves, it:
When the Fed decreases the interest rate paid on reserves, it will increase the interest rate.
What is federal reserve?This are stores of wealth or money that is owned by federal government.
The reserve helps to measure how well an economy is doing.
When the reserve is low the rate of interest paid is high to cover up for further spendings.
Therefore, When the Fed decreases the interest rate paid on reserves, it will increase the interest rate.
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You are feeling somewhat conflicted. As the manager of a sub sandwich and soup shop, you know the employees hate to be micromanaged and you want to empower them. At the same time, however, you want to ensure consistency in the products they serve, such as portion size and ingredient freshness, and you know from experience how easy it is to get off track. How can you accommodate these needs
You can accommodate these needs by training the employees well and conducting periodic checks of the food preparation area, employees, and orders.
Who are the employees?An employee is someone who has been hired by a company to do a certain activity. The employee is hired by the company after being chosen as an employee through an application and interview process. The candidate is chosen once the company determines that they are the most qualified candidate for the post in question.Who is an employer?The term "employer" refers to a person or a corporate entity that employs and compensates workers in the public, private, nonprofit, or business sectors. Employers, as the authority inside an organization, set the working conditions for employees and provide the agreed-upon terms, such as remuneration.Therefore, You can accommodate these needs by training the employees well and conducting periodic checks of the food preparation area, employees, and orders.
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The practice of mailing advertisements only to the most likely prospects is called:.
Targeted Direct Mail is the Answer:
Explanation:
Demand for bikes has suddenly increased, and the
market price has risen from $50 to $60.
In three to five sentences, explain how this change will
affect profits.
When the demand for bikes has considerably increased with a rise in price by $10, then the profit also increases by $10 on every bike sold.
What is meant by profit?Profit is an incentive earned by a company by selling its products at a price higher than the original cost.
From the provided situation, it has been analyzed that there is a direct relationship between price and demand, which means an increase in demand leads to a rise in prices also. This will ultimately raise the profits of a company in respect of goods sold.
Therefore, the profits are also raised by $10 in a similar way as the rise in price by $10 due to an increase in demand for bikes.
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Answer:
Sample response: If the market price of bikes rises from $50 to $60, then the company will want to produce a larger quantity of bikes. This is because the overall marginal revenue is now higher and will be maximized differently. Before profit was maximized at six bikes, now the profit will be maximized by producing more bikes, perhaps seven.
Explanation:
The inventory records of Global Company indicate that $77,600 of merchandise should be on hand at the end of the month. The physical inventory indicates that $74,000 is actually on hand. The journal entry to adjust inventory shrinkage will include a.a credit to Cost of Merchandise Sold. b.a debit to Merchandise Inventory. c.a debit to Cost of Merchandise Sold. d.None of these choices are correct.
The journal entry to adjust inventory shrinkage will include c. a debit to Cost of Merchandise Sold.
What is inventory shrinkage?Inventory shrinkage is a situation whereby the value of ending inventory as per the accounting records exceeds the physical inventory count.
Inventory shrinkage may be caused by:
Clerical errorsDamage to goodsLossTheft.Thus, the journal entry to adjust inventory shrinkage will include c. a debit to Cost of Merchandise Sold.
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After a targeted segment of kids under twelve was chosen by a sugar cookie company, the company had to decide on its marketing mix to that segment. When deciding on a price strategy for its cookies, what questions should the company ask?.
When deciding on a price strategy for its cookies, the questions that should be asked by the company ask is How much is too expensive or too cheap .
What is pricing strategy?A pricing strategy serves as the model that is been utilized by the company to establish the best price when trying to market their product or service.
That is why it is important for the company to ask How much is too expensive or too cheap because this will help them to be able to choose prices so as to be able to maximize profits.
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A stock with a beta of 2.0 has an expected rate of return of 13.15%. the risk-free rate in the market is 3.30%. what is the market premium? assume capm is true.
The capital asset pricing model of the question is 1.15.
What is the Capital asset pricing method?The value of a security is determined by the Capital Asset Pricing Model, or CAPM, based on the projected return in relation to the risk investors take when purchasing that security.
The formula for CAPM:
Following is the CAPM formula:
Beta i + R f = E(R i)
(E(R {m})-R {f})
The CAPM formula is:
The expected return on investment is equal to the risk-free rate plus the beta (or risk) of the investment multiplied by the market's anticipated return minus the risk-free rate (the difference between the two is the market risk premium).
The answer is calculated as:
Rf plus beta Equals CAPM* (Rm-Rf) E(r) equals 13.5% 3.3 percent
Rf Beta = ? Rm-Rf, sometimes referred to as market risk premium, is equal to 8.8%. 13.5 % = 3.3 + beta (8.8 percent ) beta = 13.5 percent - 3.3 percent (8.8 percent ) 10.2% is equal to beta (8.8 percent ) Beta = 10.2% / 8.8% = 1.15909Learn more about CAPM :
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In the efficiency wage model with the efficiency wage above the market-clearing wage, the level of employment depends on:
In the efficiency wage model with the efficiency wage above the market-clearing wage, the level of employment depends on: labor demand alone.
What is wages model?Wages model is a model that stated that wages which a worker or an employee earn is based on the workforce or the amount of money available to pay the workers.
In a situation were will have wage that is above the market-clearing wage this tend to mean that the level of employment will depends on labor demand only.
Therefore the level of employment depends on: labor demand alone.
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Max owns a townhouse in Sacramento. He is in the process of leasing it to Hannah. The contractual lease states Hannah Scott will be leasing Max Thomas' townhouse for two years beginning July 1. She will be paying $1,000 per month due by the first of each month. The lease clearly states Max will be the landlord of the townhouse and Hannah the tenant. Is there a minimum requirement for a California lease missing
The minimum requirement for a California lease that is missing in the contractual lease between Max and Hannah Scott is the absence of a sufficient description of the property.
What are the minimum requirements for a California lease?A California lease requires a sufficient description of the property, for example, an address, which gives it a legal description.
Other requirements for a California lease include:
Rental amountDuration of the rental periodPayment due datesDeposits or feesCondition of the property at the beginning of the leaseMaintenance expectations.Question Completion with Answer Options:a. No, the lease has met all of the minimum lease requirements of the state of California.
b. Yes, the missing minimum requirement is the absence of the issue of a security deposit.
c. Yes, the missing minimum requirement is the absence of any assignment and subleasing options.
d. Yes, the missing minimum requirement is the absence of a sufficient description of the property, such as an address and/or a legal description.
Thus, the minimum requirement for a California lease that is missing in the contractual lease between Max and Hannah Scott is the absence of a sufficient description of the property.
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Losses in asset values due to adverse changes in interest rates are borne initially by the
Losses in asset values due to adverse changes in interest rates are borne initially by the equity holders
Who are the equity holders?Equity holders are individual that owns a particular asset that has liabilities attached to them
Equity is expressed as difference between liabilities and assets of a business.
Hence we can conclude that losses in asset values due to adverse changes in interest rates are borne initially by the equity holders
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What is the summary of the podcast "Go after what you want before it's too late with" by Rich Cardona
Answer:
The podcast is about how to go after what you want in life before it's too late. Rich Cardona interviews people who have done just that and shares their stories.
Are imports to Russia subject to VAT?
Answer:
yes
Explanation:
they pay 20 percent and is paid directly to Russia
Answer:
The Russian import VAT 20% has to be paid. The tax has to be paid directly to the Russian customs .The customs is one of the contributaries of development.In and out of goods may charged at the same VAT of 20%.
By Sk.
In maslow's hierarchy of needs, which level includes physical safety and security relating to employment?
In Maslow's hierarchy of needs second tier level includes physical safety and security relating to employment.
What is Maslow's hierarchy of needs?
Maslow's hierarchy of needs is a psychological theory proposed by Abraham Maslow where he outlined his observations of humans' innate curiosity.
Abraham Maslows hierarchy is a classification system intended to reflect the universal needs of society as its base, then proceeding to more acquired emotions.
The second tier level includes physical safety and security relating to employment.
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Using the aging approach, management estimates that 10% of the $10,000 of Accounts Receivable will be uncollectible. The Allowance for Doubtful Accounts has a $100 unadjusted credit balance. After the bad debt adjusting entry is recorded, Bad Debt Expense on the income statement will be ______ the Allowance for Doubtful Accounts on the balance sheet. Multiple choice question. the same amount as $100 less than $100 more than
Using the aging approach management estimates that 10% of the $10,000 of Accounts Receivable will be uncollectible. The Allowance for Doubtful Accounts has a $100 unadjusted credit balance. After the bad debt adjusting entry is recorded, Bad Debt Expense on the income statement will be the same amount as $10,000 the Allowance for Doubtful Accounts on the balance sheet.
What is Accounts Receivable?Accounts receivable are the funds that customers owe your company for products or services that have been invoiced. The total value of all accounts receivable is listed on the balance sheet as current assets and include invoices that clients owe for items or work performed for them on credit.
How do you record Bad Debt Expense?To record the bad debt expenses, you must debit bad debt expense and a credit allowance for doubtful accounts. With the write-off method, there is no contra asset account to record bad debt expenses. Therefore, the entire balance in accounts receivable will be reported as a current asset on the balance sheet.
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When they first started to conduct business, international ride-sharing companies such as Uber or Lyft relied on new, unfamiliar concepts to develop breakthrough decisions. Drivers use their own cars to transport customers who call or text for a reservation using a credit or debit card. According to the innovation matrix, ride sharing is considered a(n) _______. a. adjacent innovation b. core innovation c. product development strategy d. transformational innovation
Ride sharing is transformational innovation, according to the innovation matrix.
Uber and Lyft use transformational innovation
Transformational innovation includes making discoveries and creating products for the market. Companies like Uber use credit and debit cards for reservations, a novel tactic. Such ideas were virtually unknown to markets in many nations. In some markets, it gave businesses like Uber a competitive edge.To learn more about transformational innovation, refer to-
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How is compound interest different from simple interest?
Answer: How is compound interest different from simple interest?
Explanation: Simple interest is interest payment is calculated on only the principal amount; whereas compound interest is interest calculated on both the principal amount and all the previously accumulated interest.
You welcome
If neuron L is repeatedly stimulated very rapidly, what change would you expect in the postsynaptic neuron
If neuron L is repeatedly stimulated very rapidly, The expected changes in the postsynaptic neuron are: "(Option D). See the attached for the full question.
What is the postsynaptic neuron?Postsynaptic neurons are the neurons that take receipt of the triggers from the synapse. The synapse is responsible for generating and transmitting electrical signals.
Thus, it is right to state that if neuron L is repeatedly stimulated very rapidly, The expected changes in the postsynaptic neuron are:
Several simultaneous action potentialsMovement farther away from the threshold.Learn more about the postsynaptic neuron at:
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A ________ is a collection of tasks, steps, or activities that are performed, usually in a specific order, and result in an end product, such as a good or service. Select one: a. Six Sigma Project b. process c. Six Sigma Methodology d. goal
Answer:
b
Explanation:
A process is a collection of tasks,steps,or activities that are performed
Assume that real gdp has been declining and the unemployment rate has been edging upward. What might the congress and the president do about this problem?
If Real GDP has been declining and unemployment is rising, the President and Congress might lower taxes and increase government spending.
How can the government combat a fall in Real GDP?A fall in Real GDP means that the economy is no longer producing as much as it used to.
To reverse this, the government can embark on an expansionary fiscal policy where taxes are reduced and spending is increased. This in theory, would spur more production.
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Geraldo, a construction worker, tends to buy a new gadget if most of his friends have them and only after they've teased him about not having the gadget yet. He relies on reviews from his friends rather than on television or newspaper advertisements to make his purchase decisions. It can be inferred that when it comes to the diffusion of innovation Geraldo belongs to the group of _____.
It is inferred that Geraldo belongs to the group of late majority as he mostly relies on reviews from his friends rather than advertisements to make his purchase decisions.
What is a late majority group?In marketing, these people forms the 34% of the population and they always adopt a new product only after the majority does.
Hence, as Geraldo mostly relies on reviews from his friends rather than advertisements to make his purchase decisions, he belongs to the group of the late majority.
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Otool Incorporated is considering using stocks of an old raw material in a special project. The special project would require all 160 kilograms of the raw material that are in stock and that originally cost the company $1,936 in total. If the company were to buy new supplies of this raw material on the open market, it would cost $8 per kilogram. However, the company has no other use for this raw material and would sell it at the discounted price of $6.95 per kilogram if it were not used in the special project. The sale of the raw material would involve delivery to the purchaser at a total cost of $83 for all 160 kilograms. What is the relevant cost of the 160 kilograms of the raw material when deciding whether to proceed with the special project
The relevant cost of the 160 kilograms of the raw material when deciding whether to proceed with the special project is $1,029.
Relevant costUsing this formula
Relevant cost=(Numbers of kilogram of raw material × Discounted price per kilogram)- Delivery cost
Let plug in the formula
Relevant cost=( 160 kilograms× $6.95 per kilogram) -$83
Relevant cost=$1,112-$83
Relevant cost=$1,029
Therefore the relevant cost of the 160 kilograms of the raw material when deciding whether to proceed with the special project is $1,029.
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