Savannah needs to save $10,035.51 at the end of each of the next twenty-five years to have an income of $40,000 per year for thirty years beginning at the end of twenty years.
From Year 26 to Year 56,
Annual Income = $40,000
Time Period = 30 years
Interest Rate = 6%
Finding the Present Value at the 25-year mark
Present Value of Annuity = P[(1 - (1 + r)-n)/r]
Present Value = 40000[(1 - (1.06)-30)/0.06]
Present Value = $550,593.25
Now,
Present Value at Year 25 is Used as Future Value,
FV = $550,593.25
Time Period = 25 years
Interest Rate = 6%
Calculating Annual Deposit,
Using TVM Calculation,
PMT = [PV = 0, FV = 550,593.25, I = 0.06, T = 25]
PMT = $10,035.51
Annual Deposit = $10,035.51
How much does Savannah need to save at the end of each of the next twenty-five years (with the first deposit made at the end of year 1) to have an income of $40,000 per year for thirty years starting at end of year twenty-six? The appropriate interest rate is 6.0% p.a.
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concessions restrict the range of solution agreement options, but concessions broaden the bargaining range of the negotiations.
Concessions do not narrow the alternatives for reaching a settlement agreement, but also increase the negotiation's room for maneuver.
When one or more parties to a negotiation concede, yield, or compromise on matters under discussion and do so either voluntarily or reluctantly, the concessions are frequently referred to as "trade-offs." "Log rolling" is a common component of concession agreements.
Reduced concessions indicate that the sender has paid the full amount of the reservation. As a result, recipients make less aggressive counteroffers and come to inferior settlements. When concessions decline at a modest rate, these consequences are more pronounced. When more compromises are made than when fewer are, these impacts are stronger.
Making significant concessions early on in a negotiation may lead the opposite party to utilize hardball tactics or demand more concessions before he or she makes a corresponding compromise.
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c. the amount a person would have to deposit today (present value) at a 9 percent interest rate to have $2,300 five years from now. (round your factor to 3 decimal places and final answer to 2 decimal places.)
Annual payment, A = $2,300
Number of payments, n = 5
Interest rate, r = 9% = 0.09
Future value $
5266.55
fva5=2,300x(10.09)^5-1/0.02,300x5.9847=13,764.81
An Interest rate tells you how excessive the price of borrowing is, or excessive the rewards are for saving. So, if you're a borrower, the interest rate is the quantity you're charged for borrowing money, proven as a percent of the whole amount of the mortgage.
Better Interest rates make it greater luxurious for humans to borrow money and in addition, they inspire people to shop. The result is that standard, humans will tend to spend much less. If humans spend much less on items and services universally, then the rate of these matters has a tendency to upward push greater slowly.
Interest rate ranges are a component of the supply and call for credit score: a boom in the demand for money or credit will enhance interest charges, while a lower in the demand for credit will lower them.
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When a project manager first recognizes that a project is in trouble, one of the options available to the manager includes _____.
When a project manager first recognizes that a project is in trouble, one of the options available to the manager includes expanding the project handover date .
What is Project Management ?Each project represents a brief attempt to provide value by creating a unique good, service, or result. Every project has a beginning and an end. The team is required to follow a set of guidelines as well as a budget, timeline, and team members. The completion of any project marks its completion, as opposed to routine operations, which represent an organization's ongoing activity.
Due to the evolving nature of work as a result of technology advancements, globalisation, and other factors, work is increasingly organised around projects with teams assembled depending on the talents required for certain tasks.
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leroy's total job benefits were $50,150 last year. his total job expenses for traveling and for professional development for the year were $3,500
His total employment compensation is $46,650.
Calculations and ParametersGiven that,
Total job benefits = $50,150Total job expenses = $3,500Total employment compensation= Total job benefits - Total job expenses
⇒$50,150 - $3,500
⇒$46,650
Therefore, the correct answer is option A.
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The complete question is:
Leroy's total job benefits were $50,150 last year. His total job expenses for traveling and for professional developement for the year were $3,500.
Which of the following represents his total employment compensation?
a. $46,650
b. $47,650
c. $50,150
d. $53,650
. identify the greatest difficulties altman is likely to have doing this audit. the two parts of the audit that altman may find difficult are evaluating the condition of the vehicles and determining their fair market values , because both requirements are very ▼ difficult easy objective subjective . altman will need to use her ▼ to overcome these difficulties.
Employing the criteria of bad, good, and excellent to evaluate the state. It is really arbitrary to do so. The fair market value won't mean anything if she applies a different standard than the "blue book."
Figuring out the fair market value, unless the blue book specifically defines it for each condition.
What do you understand by market value?To fairly appraise the asset's worth or value is the main objective of evaluating market value. It can be stated simply as the price at which the object would typically be offered for sale. In addition to accepting more or less than market value, sellers also have the option of receiving payment from buyers.
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A cost incurred to produce or purchase two or more products at the same time is a(n):_________
A cost incurred to produce or purchase two or more products at the same time is a controllable Cost.
Controllable charges are the ones over which the enterprise has complete authority. Such expenses consist of advertising budgets and exertions expenses. by contrast, non-controllable expenses are people who a organisation cannot exchange, together with hire and insurance. it's far important for management to recognize the differences between these value kinds.
The controllable cost are the prices that may be managed and changed within the brief-time period horizon based on commercial enterprise requirements and wishes.
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rawlco communications operates 15 radio stations. the following events occurred during september. placed an order for office supplies costing $2,000. supplier intends to deliver later in the month. purchased equipment that cost $30,000; paid $10,000 cash and signed a promissory note to pay $20,000 in one month. negotiated and signed a one-year bank loan, and then deposited $5,000 cash in the company’s checking account. hired a new finance manager on the last day of the month. received an investment of $10,000 cash from the company’s owners in exchange for issuing common shares. supplies [ordered in (a)] were received, along with a bill for $2,000.
Journal entries are entered after a transaction or an event takes place in a company.
For ordering office supplies neither a transaction nor an event took place so journal entry is not recorded.
Similarly all the transactions/events are explained below
Find the Journal entries in the attachment.
Explanation for Each transaction
a. For placing the order no entry is recorded as the delivery will be later in the month
b. We purchased equipment part in cash(10,000) remaining through a promissory note to be paid in 1 month(20,000)
c. Deposited 5000 cash in the bank for promissory note
d. No entry for hiring a new manager
e. Received cash for issue of share which means increase in capital by 10,000
f. Supplies which were ordered previously are delivered amounting 2,000 with a bill
Important information is recorded in journal entries, including how much was credited and debited, when, and from which accounts. In the end, each journal entry is submitted to the general ledger and corresponds to a single distinct business transaction.
The accuracy—or lack thereof—of the data entered at this level has an impact on the veracity of all financial reports.
Journal entries describe how transactions influence accounts and balances and serve as a simple record of all transactions that a business makes.
The information in journal entries, which come in a variety of formats to suit corporate requirements, serves as the foundation for all financial reporting.
For instance, adjusting journal entries are used to accumulate or delay revenue and expenses, alter or rectify earlier entries, or forecast non-cash events like allowances for written-off debt.
Your answer is incomplete. Kindly find the missing content below:
Prepare Journal Entries to record each transaction
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A bond that promises payments of principal and interest but pledges no specific assets in case of default is categorized as:_________
A bond that guarantees bills of predominant and interest but pledges no unique property in case of default is categorised as a secured bond sponsored via unique collateral which reduces the threat for investors. Unsecured bonds are backed by the creditworthiness of the issuer.
That is unsecured debt, meaning no collateral exists to assure at the least a element. Bonds in this class are regularly called debentures. Such unsecured bonds most effective have the provider's suitable name and credit score score score as protection.
An unsecured bond is sincerely the promise that the defendant pays a high quality sum of money within the occasion that they do not study the right situations of their bail there's no requirement to pay this sum.
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how many discount points will a lender charge the borrower if they want a 15% loan and the current rate is 15.75%?
6 discount points will a lender charge the borrower if they want a 15% loan and the current rate is 15.75%.
What is Mortgage borrowers?Mortgage debtors can acquire discount points, a sort of prepaid interest or fee, to reduce the amount of interest on their incoming monthly payments. In essence, they spend more now in order to save later. Tax deductions are allowed for discount points.
Mortgage debtors can acquire discount points, a form of prepaid interest, to lower the interest rate on their upcoming monthly payments. When a mortgage is first set up or refinanced, the upfront cost of discount points is paid.
Thus, 6 discount points.
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__________ is the perceived fairness of how rewards and outcomes of decisions are shared by all members of a group.
Outcome fairness is the perceived fairness of how rewards and outcomes of decisions are shared by all members of a group.
The perceived fairness of how incentives and results of decisions are distributed among all group members is known as outcome fairness. The term perceptions of fairness refers to any aspect of the environment that people or groups see as equitable in light of earlier norms or standards.
Social comparison is the foundation of fairness perception. In particular, when we respond to a situation, we consider not just our own condition but also the situations of others with whom we compare ourselves. People are sensitive to whether decisions or treatment are fair in almost every area of life.
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If the economy is operating at point c, the opportunity cost of producing an additional 15 units of bacon is:__________
If the economy is operating at point c, the opportunity cost of producing an additional 15 units of bacon is 20 units of eggs.
What is economy ?The production, distribution, trading, and consumption of goods and services take place in an economic area. It is generally recognized to be a social domain that emphasizes the actions, discourses, and outward expressions related to the production, use, and management of finite resources.
A person's culture, values, education, technical development, history, social organization, political structure, legal system, and access to natural resources are all important drivers of how an economy functions. These factors provide context and content as well as determining the parameters and circumstances in which an economy runs. In other words, the economic domain is a social one made up of interconnected human actions and transactions that are mutually reliant.
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What defines how departments work together to meet the service level requirements documented in an sla ?
A service-level agreement (SLA) refers to the service performance as the measured on the different level as the checked the customer preferences.
What is service?
The term “service” refers to repairing the items and the object. The services are provided by someone who is an expert at repairing the items in exchange for the money.
The term SLA refer to the service-level agreement to define the different level of the services as the customer expectation to the supplier. The service's performance is too measured.
As a result, the departments work together to meet the service level requirements to measure.
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norma owns abc corporation bonds of aa rated quality that mature in seven years, pay semiannual interest, and have a coupon of 8%. similar bonds (aa rated, seven years to maturity) yield 9%. the abc corporation bonds are convertible into common stock at $26 per share, and the current market price of abc common stock is $23. what is the conversion value of an abc corporation bond? a) $851.85 b) $884.61 c) $766.47 d) $923.08
The answer is $884.61. The conversion value = conversion ratio × market price of common stock. Therefore, the conversion value equals ($1,000 ÷ $26) × $23 = $884.61.
What is stock?A stock is a sort of investment that represents ownership of a share of the issuing corporation. It is also referred to as equity. The term "shares" refers to the units of stock, each of which entitles the owner, depending on the number of shares owned, to a specific portion of the company's assets and income.
Stocks, which are typically purchased and traded on stock exchanges, constitute the foundation of many individual investors' portfolios. During stock exchanges, it is necessary to abide by regulations ensuring investor protection against deceptive practices.
Indicating the holder's ownership interest in the issuing company, a stock is a form of instrument that is typically exchanged on stock exchanges.
Corporations issue shares to generate revenue for running their enterprises.
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research on the optimization method of visual effect of outdoor interactive advertising assisted by new media technology and big data analysis
Research on the optimization method of the visual effect of outdoor interactive advertising assisted by new media technology and big data analysis. This statement is true.
Technology is the application of scientific knowledge to the practical purposes of human life, or, as it is sometimes expressed, to the modification and manipulation of the human environment. Technology is a method of applying scientific knowledge for practical purposes. It includes not only machines (such as computers), but also technologies and processes (such as how computer chips are made). All technology may seem electronic only, but that's just the latest technology.
Information technology is important in our lives. Because it helps us deal with the dynamics of everyday life. This technology provides a variety of tools to facilitate development and share information. Both are IT goals to make tasks easier and solve many problems.
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bennett griffin and chula garza organized cole valley book store as a corporation; each contributed $71,200 cash to start the business and received 5,400 shares of common stock. the store completed its first year of operations on december 31, current year. on that date, the following financial items for the year were determined: december 31, current year, cash on hand and in the bank, $68,450; december 31, current year, amounts due from customers from sales of books, $44,000; unused portion of store and office equipment, $79,000; december 31, current year, amounts owed to publishers for books purchased, $14,000; one-year note payable to a local bank for $3,400. no dividends were declared or paid to the stockholders during the year.
Stockholders' equity can be calculated by subtracting the overall liabilities of a business from the general property or because of the sum of percentage capital and retained earnings minus treasury stocks. common inventory additional paid-in capital desired stock retained earnings and the accrued different comprehensive profits.
Solution:
Cash- 70,250
Accounts Receivable- 40,500
Store and Office Equipment- 79,500
Total Assets- 190,250
Accounts Payable- 12,700
Note Payable- 3400
Total Liabilities- 16,240
Common Stock- 142,000
Total Stockholders' Equity- 174,010
Total Liabilities and Stockholders' Equity- 190,250.
The stockholders' equity for that duration, study the stability sheet for the preceding period. The final period ending number is similar to this era's starting variety. In some cases, an employer's financial statements may also include a desk called the reconciliation of stockholders' fairness. Shareholders' fairness is the value of the employer's obligation to shareholders. It appears on a business enterprise's balance sheet, together with assets and liabilities.
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Which was the first commercial insurance company in the united states to provide private health care coverage for injuries not resulting in death?.
In the United States, the Franklin Health Assurance Company of Massachusetts was the first commercial insurance provider to offer private health care coverage for accidents that did not end in death.
The first written records that have survived have references to insurance. Approximately 4,000 years ago, in 1750 BC, the Code of Hammurabi, which describes insurance plans for traders on the high seas, was written. Chinese traders who traveled the world's dangerous seas purchased "oeinsurance" from businesses to guard against the possibility that their boat might capsize and they would lose their priceless cargo. Insurance of some type has existed since ancient and medieval times, though it wasn't always the flourishing industry that it is today.
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When an employee works in year 1 but is paid in year 2, the company must recognize an expense in years) ______.
When an employee works in year 1 but is paid in year 2, the company must recognize an expense in years 1 only.
An expense is the monetary value of tasks that an organization causes to create income. As the well-known saying goes, "it costs cash to bring in cash.
Normal expenses incorporate installments to providers, worker compensation, manufacturing plant leases, and hardware devaluation.
Organizations are permitted to discount charge deductible costs on their annual government forms to bring down their available pay and hence their assessment obligation.
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dino, an agent, received a phone call on september 29 from a consumer interested in medicare advantage plans for the new plan year. dino proceeded to verify the consumer's medicare eligibility, describe the costs and benefit coverage of the plan, and explained that he could not accept an enrollment application until october 15. what did dino do that was not compliant?
Dino presented a plan prior to Oct. 1. On September 29, Dino, an agent, received a phone contact from a consumer interested in Medicare Advantage plans for the upcoming plan year.
Consumer
A consumer is a person or group who intends to order, orders, or utilises purchased products, products, or commodities primarily for personal, social, family, or domestic requirements that are unrelated to entrepreneurial or business activity. A consumer purchases goods or services for personal use rather than resale or business objectives. Consumers spend money (or similar) for goods or services.
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Complete Question
If the interest rate is at its maximum, what would the mta index have to be to reach the maximum interest rate?
A fully index rate is a variable interest rate that is set at a fixed margin above some reference interest rate. Financial products that bear a fully indexed rate include adjustable rate mortgages, which can be quoted as a certain number of basis points above the reference rate.
The monthly Treasury average MTA is an interest rate index derived from the twelve-month transferring average MA of one to twelve months constant maturity Treasury bonds one-yr CMT. The MTA acts as the premise to set hobby charges for some adjustable-rate mortgage hands. The beginning fee is three.50% and the mortgage adjusts every twelve months for the existence of the loan.
The minimum quantity that may be transferred for any margin name. the amount is distinctive inside the margining agreement. After the primary 5 years of the loan, your hobby will start to modify primarily based on elements of your index and your margin. The loan interest price that your loan will adjust to after the constant length is called the absolutely listed price. the index rate prevailing on a residential loan mortgage on the time the loan is made plus the margin is a good way to apply after the expiration of any introductory interest fees.
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Is the decision that imagine that toys is facing a corporate- or business-level strategy decision?
The decision that toys is facing is known as a Business-level strategy.
What is a Business-level strategy?Most time, a business level strategies refer to those combined set of actions that are taken with an aim of offering value to the customers and developing a competitive advantage. It also involves by using the firm’s core competencies in the individual product or service market.
A business-level strategy determines the market position of the enterprise, in relation to its rivals and are concerned with the firms having multiple businesses and each business is considered as Strategic Business Unit.
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a profit-sharing plan allows employees to participate in the earnings of their employer. this type of plan may be irs qualified, making it eligible for the same tax treatment as other types of pension plans. some companies may offer a profit-sharing program that invests heavily in .
A profit-sharing plan accepts discretionary employer contributions. There is no set amount that the law requires you to contribute.
If you do make contributions, you will need to have a set formula for determining how the contributions are divided. This money goes into a separate account for each employee.
the employer calculates the sum of all of its employees' compensation To determine each employee's allocation of the employer's contribution, you divide the employee's compensation by the total comp.
If you establish a profit-sharing plan, you:
Can have other retirement plansCan be a business of any sizeNeed to annually file a Form 5500business does not need profits to make contributions to a profit-sharing plan.
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the norwegian kroner:usd exchange rate is 10:1 while the norwegian kroner:euro rate is 12:1. if you start with 1,000,000 euros, how many usd will you have, using these exchange rates
The norwegian kroner:euro rate is 12:1, 1,000,000 euros will be 83,334, norwegian kroner in usd the ratio is 10:1 so the money after facing the exchange rate will be 8333.4 usd.
More about exchange rate:
The price of one country's currency/money in relation to another country's currency is known as the exchange rate. When nations employ gold or another accepted standard, and each currency is worth a particular amount of the metal or other standard, the exchange rate is "fixed."
The economic activity, the market interest rates, gdp, and unemployment rate in each of the countries are frequently used to calculate how much one currency will swap for another (value of money). They are established in the global financial market and are frequently referred to as market exchange rates.
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Which stage of the decision-making process involves predicting the possible consequences of each of the various options?
Deliberation is the stage of the decision-making process that involves predicting the possible consequences of each of the various options.
What do you mean by Deliberation?Prior to voting, there is a process called deliberation where possibilities are carefully considered. Instead of focusing on power struggles, creativity, or dialogue, deliberation emphasizes the application of logic and reason. After consideration, group decisions are typically reached by consensus or vote among the participants.
Due to the precise options—like guilty or not guilty—as well as the evidence and arguments to consider, juries frequently deliberate in legal settings. The goal of "deliberative democracy" is for voters and elected officials to base their decisions on discussion rather than power struggles.
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organizations that have a mix of standard products and projects are good candidates for which type of project management structure? multiple choice question. functional matrix dedicated project
Matrix organisations have a mix of standard projects and products and are good for project management structure.
Functional organisations are basically dependent on the project based work performed in an organisation. There are various functions to be performed like production, distribution and sampling . They are one rule organisations.
Dedicated organisations are those in which are specific about tasks and achievement of goals at different levels of management which are upper, middle and lower level of management. Delegation of responsibility is the main lead of the organisation.
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a. will the mc curve shift up or down? (click to select) b. will the optimal amount of pizza increase or decrease? (click to select)
Because cheese is an ingredient in pizza. So, if the price of cheese reduces, we may anticipate the price of pizzas to decline as well, because it is now cheaper to create.
As a result, the marginal cost curve shifts downward since the cost of creating pizza is lower than previously.
Will the optimal amount of pizza increase or decrease?As the MC curve swings to the right / downward, the number of pizzas increases. As demonstrated in the graph above, MC shifts to the right and quantity increases.
What is a Marginal Cost Curve?A graph that depicts the relationship between a firm's marginal cost in the short-run product of a thing or service and the quantity of output generated.
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______ has a forward capital, a capital city that was moved to better serve or protect the country's interests.
Belmopan has a forward capital, a capital city that was moved to serve better or protect the country's interests.
Belmopan is the capital of Belize. The population in 2010 was 16,451 people. Besides being the smallest capital of the continental Americas in terms of population, Belmopan is the third largest settlement in Belize, after Belize City and San Ignacio.
Belmopan is a short drive from the Mountain Pine Forest Reserve, home to Central America's tallest waterfalls. Belmopan is also home to a community center, a large library, and the George Price Center for Peace and Development, named after the country's first Prime Minister.
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which of the following resources would be considered to be land by an economics? multiple select question. arable land forests oil and mineral deposits factories water
Water resources would be considered to be land by an economics.
Any element required to complete a task or conduct an activity is referred to as a resource in the context of business and economics. They are, in a nutshell, the elements that a business needs in order to operate. Employees, office space, tools, or money are examples of resources. Resources are a type of supply that can be used by an individual or organization to carry out plans and projects. Resources include, among other things, cash, materials, labor, personnel, energy, knowledge, and management. Resources for a company can be both tangible (such as its building, machinery, finances, and location) and intangible (such as its workforce, their abilities, and their motivation).
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According to the theory of public choice, the employees of and employees of should act differently because?
The Right response is Option D
D) The incentives facing them are different.
Public choice, often known as public choice theory, is "the application of economic instruments to classic political science issues." Its topics cover political behaviour research.
According to the Public Choice Theory, individual, self-interested public policy actors who function as civil servants or elected politicians make decisions that affect the government.
What distinguishes social choice from public choice?Compared to studies labelled "public choice," social choice tends to be more theoretical and quantitative. 2. While publications identifying themselves as social choice are more likely to be normative, papers describing themselves as public choice tend to focus more on the positive study of political institutions and processes.To learn more about Public Choice Theory, Click the links
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Correct Question - .According to the theory of public choice, the employees of Kodak and employees of the State of Washington should act differently because
A. public employees act to maximize collective welfare rather than individual welfare.
B. private employees are motivated only by money.
C. public employees cannot be fired while private employees can.
D. the incentives facing them are different.
What is the journal entry for Rent paid in advance Rs. 5,000?
The journal entry for Rent prepaid in advance would be prepaid rent.
As the sum paid indicates the additional payment for the foreseeable use of the rented property, such as office space, etc., advance rent is treated as an asset rather than a cost in accounting. Similarly, the business must enter the rent that has been paid in advance as an asset in the journal entry.
When the business begins using the rented property, the prepaid rent will eventually expire. As a result, the business must register rent expense for the time period during which the cost of the prepaid rent expires.
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product design and process selection are examples of decisions. multiple choice financial tactical system design system operation forecasting
Choosing a process and designing a product are two instances of decisions.
WHY DO SYSTEMS NEED DESIGN?
Therefore, the process of defining and creating systems to meet specific user needs is known as systems design.
Understanding component pieces and their subsequent interactions with one another is the fundamental topic of system design.
Allocating a large system's requirements to hardware and software components is the aim of system design. After the system requirements study is finished, the system design activity begins.
Defining the software and hardware architecture, components, modules, interfaces, and data as part of the systems design process enables a system to satisfy a set of well-defined operating crite
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