The loanable funds theory views the level of interest rates as being determined by?

Answers

Answer 1

According to the loanable funds theory, the level of interest rates is determined by the demand for and supply of loanable funds.

What is the loanable funds theory?

This is a theory that states that the interest rates in the market are determined by the amount of demand and supply there are for loanable funds.

For instance, the theory states that when the demand for loanable funds is high relative to the supply, the interest rate would rise as a result of the relative scarcity of loanable funds.

In conclusion, the loanable funds theory posits that the level of interest rates is as a result of the demand and supply of loanable funds.

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Related Questions

suppose you owe a creditor $10,000 due in a single payment in 5 years. how much should your creditor be willing to accept now if he can earn 8% on his money?

Answers

To calculate the worth that a creditor should be helpful to accept now, we ought to solve the equation:

X=10,000/1.085

Solving for X.

This equation shows the parity of X and the present significance of $10,000 5 years from now using a rate of 8%.

Solving for X.

X=10,0001.4693

X= 6,805.83 X= 6,805.83

The creditor should be willing to accept $6,805.83 now in exchange for future payment of $10,000 5 years from now

we need to solve the equation:

200,000 = 100,000 × 1.07 x 200,000 = 100,000 × 1.07x

where x is the numeral of years it will bear to double the $100,000 asset (= $200,000 )

Decoding for X.

200,000

100,000 = 1.07x= 2200,000

100,000 = 1.07x= 2

x × log1.07 = log2x × log1.07 = log2

x = log2 log1.07 x= log2 log1.07

x=0.30100.029

4 x= 0.30100.0294

x =10.2448 x=10.2448

It will take 10.2448 years for a $100,000 investment to double with 7% annual interest.

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An essential assumption underlying gaap is that all economic events can be identified with what?

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An essential assumption underlying aggregation is that every one economic events will be known with its associate economic entity.

What is the economic entity principle?

The economic entity principle is a foundational thought in accounting that needs business entities to be treated as separate legal and monetary entities. This suggests that all financial transactions of the corporation ought to be recorded one by one from those of the owner.

Consumers, households, firms, and also the government are the four straightforward entities of a national economy because of the actual fact they do the fundamental monetary activities of production and intake in an economic system.

Examples,

Single person, single product, or single organization. Entity type. A person, organization, object type, or thought regarding that information is stored. Describes the sort of the data that's being mastered.

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Define the term botanical insecticide and give an example. what is an advantage of using botanicals?

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Botanical insecticides are insecticides made from dried, ground plant material, crude plant extracts, or compounds extracted from plants that are used to kill or repel insects. Immune-active herbs, such as echinacea, help to strengthen and tone the immune system.

Green tea and other antioxidant botanicals insecticides help to prevent cancer, reduce ageing, and maintain cardiovascular function. Botanicals like St. John's wort relieve common psychological problems like insomnia, anxiety, and moderate depression.

Because botanical pesticides contain multiple insecticidal chemicals with unique modes of action, pests find it difficult to acquire pesticide resistance insecticides They offer strong selectivity, minimal toxicity to humans, livestock, and natural enemies.

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What type of contract binds a third-party administrator to provide administrative services to an employer for a fixed fee per employee?

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Administrative Services Only, or simply ASO, contract is the type of contract that binds a third-party administrator to provide its administrative services to an employer for a fixed fee per employee. Therefore, the option C holds true.

What is the significance of a contract?

A contract can be referred to or considered as a legal agreement between two or more parties to do or abstain from doing anything as per the terms mentioned under the document relating thereto.

Therefore, the option C holds true and states regarding the significance of a contract.

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The missing options to the incomplete question have been added below for better reference.

What type of contract binds a third-party administrator to provide administrative services to an employer for a fixed fee per employee?

A. JV contract

B. At-will contract

C. ASO contract

D. Express contract

beauty works sells its cologne wholesale for $9.75 per bottle. the variable costs of producing x thousand bottles is -3x 2 3480 x-325 dollars, and the fixed costs of manufacturing are $260,000. find expressions for the revenue, cost, and profit from selling x thousand items.

Answers

The expression for revenue is $9.75x

The expression for cost is -3x² + 3480 x - 259,740

The expression for profit is $9.75x - $(-3x² + 3480 x - 259,740)

What is the expression for cost, revenue and profit?

Revenue is the total amount earned from selling a product. It is determined by multiplying the selling price by the total unit sold.

Revenue = price x total unit sold

$9.75 × x

= $9.75x

Cost is the sum of fixed cost and variable cost. Fixed cost is the cost that does not vary with the output produced. It remains constant regardless of the level of output. An example of fixed cost is rent. Variable cost is the cost that changes with the level of output. eg. wages.

Cost = fixed cost + variable cost

-3x² + 3480 x - 325 + $260,000

-3x² + 3480 x - 259,740

Profit is revenue less cost.

Profit = revenue - cost

$9.75x - (-3x² + 3480 x - 259,740)

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One of the most important things a researcher can do for a manager is to provide the same perspective of the problem/opportunity.
a. true
b. false

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False - Offering the same viewpoint of the issue or opportunity to a manager is one of the most crucial things a researcher can perform.

Researchers work with managers to ensure that the decision problem is defined accurately and properly. It can be beneficial at times for someone other than a manager—someone from outside the company—to approach a situation with "fresh eyes." In order to find a hole in what is currently known about your issue, read recent research, theory, and arguments on it. This will help you identify a research problem.

You could look for a situation or event that hasn't been well researched. a clash between two or more points of view. Through segmentation and the marketing mix, problem-solving research identifies approaches to address such issues. When you want to make your business the greatest in its industry, research is crucial for problem identification and problem solving.

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The present value of a series of cash flows is the amount you would need today to exactly duplicate those future cash flows. True or false?.

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True . The present value of a series of cash flows is the amount you would need today to exactly duplicate those future cash flows,

Recognizing Cash Flow

The amount of money that flows into and out of a business is referred to as its cash flow. Sales provide income for businesses, which also incur costs. They might also make money from investments, royalties, licensing agreements, and interest. Additionally, they could provide things on credit with the promise of payment later.

Evaluating the scope, timeliness, and accuracy of financial reporting is one of the most important objectives.

One of the most crucial goals of financial reporting is to evaluate the size, timeliness, and unpredictability of cash flows as well as their sources and destinations. It is crucial for determining the liquidity, adaptability, and general financial success of an organization.

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Who benefits most from a defined benefit plan? a) employees with more years until retirement b) all benefit the same c) older employees d) younger employees

Answers

Older employees are most benefited from Defined benefit plan.

Who is benefited the most from Defined benefit plan and why?

Defined benefit plans is meant to provide fixed and established benefits for older employees who are about to retire or at their retirement.

The fixed benefits provided by this plan is valued by employees.

On the side of employer, business will contribute than (deduct) the defined plans for contribution.

A Defined benefit plan is a retirement plan sponsored by the employer and are computed with the help of various factors from the salary and employment history.

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What term describes a business model that involves consolidating various media holdings under one corporate umbrella?

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A second definition of media convergence refers to a business strategy that involves combining various media holdings, such as cable connections, phone services, television transmissions, and Internet access, under one corporate roof. This strategy is sometimes referred to as cross platform by media marketers.

Simply said, a business's strategy describes how it will compete in a certain market or markets with a product or a number of products or services. It includes a defined set of plans, activities, and goals. At this stage, executives focus more on how to carry out organizational goals than on what those goals should be. For instance, a business level plan can be to rename a product for a different demography if the corporate level strategy is to diversify commercial activities.

A business strategy is a collection of choices or actions that help management realize business objectives and maintain a competitive edge in the marketplace. It turns into a guide that directs an organization in the direction of expansion and success.

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The two methods companies can use to convert receivables to cash before they are due includes selling them and pledging them. True or false

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It is completely true that a company can follow the methods like selling and pledging receivables before they are due in order to convert them into cash. Therefore, the statement given above holds true.

What is the significance of receivables?

Receivables can be referred to or considered as the assets of the company, represented under the head in the balance sheet of the company. The receivables of a firm are not due for reception, but assumed as good debts for the firm.  

Therefore, the significance regarding receivables has been aforementioned, and the statement given above holds true.

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Answer:

True

Explanation:

All activities associated with transforming inputs into the final product form are known as ______ in the value chain.

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Operations encompass all tasks done to change inputs into the final product form, including machining, packaging, assembly, testing, printing, and facility operations.

The harvesting of value from a business's assets is referred to as business operations. The two types of assets are tangible and intangible. Rent is an illustration of value that is derived from a physical asset, such as a building. A royalty is an illustration of value created from an idea or other intangible asset. A wide range of activities are referred to as business operations. In essence, it refers to everything a business does on a daily basis to remain operational and generate revenue. Therefore, those activities can vary greatly from one company to the next. Consider an online retailer.

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Florence deposits $6,000 in an ordinary annuity at the end of each quarter in an account earning 6 percent interest compounded quarterly. what is the future value of the account in 2 years?

Answers

Answer:

$6021.60

6000+(6000×0.6^2)=

=6000+21.6=6021.6

suppose abby, brandi, carrie, and deedee are the only four buyers in the market. when the price decreases from $6 to $4, the market quantity demanded

Answers

The correct answer is it will increase by $3. Moving along the supply or demand curves implies that the quantity provided or demanded has changed as the price of a good or service changes.

Demand declines when price rises and decreases in quantity demanded (but demand itself stays the same). Quantity requested rises when the price declines. The Law of Demand is this. Price movement, price course, stock price movement, price change, change in pricing, and price movement.

The rate at which prices increase over a specific time period is known as inflation. When a vendor raises the cost of goods, services, or commodities to a level that is far higher than what is thought to be acceptable or fair, this is known as price gouging. This incident typically happens following a demand or supply shock.

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Khan products company uses a job order cost system. for a number of months, there has been an ongoing rift between the sales department and the production department concerning a special-order product, tc-1. tc-1 is a seasonal product that is manufactured in batches of 1,000 units. tc-1 is sold at cost plus a markup of 40% of cost. the sales department is unhappy because fluctuating unit production costs significantly affect selling prices. sales personnel complain that this has caused excessive customer complaints and the loss of considerable orders for tc-1. the production department maintains that each job order must be fully costed on the basis of the costs incurred during the period in which the goods are produced. production personnel maintain that the only real solution to the problem is for the sales department to increase sales in the slack periods. andrea parley, president of the company, asks you as the company accountant to collect quarterly data for the past year on tc-1. from the cost accounting system, you accumulate the following production quantity and cost data. quarter 1 2 3 4 direct materials 96000 336000 72000 336000 direct labor 36000 126000 27000 126000 manufacturing overhead 100000 141860 87000 126000 total 232000 603860 186000 588000 production in batches 4 14 3 14 unit cost (per batch) 58000 43133 62000 42000 c) restate the quarterly data by applying overhead as a set rate per batch

Answers

Restating the quarterly data by applying overhead as a set rate per batch is given in the attached picture.

Variable overhead refers to the shifting manufacturing expenses associated with running a firm.

Variable overhead expenses change in proportion to manufacturing output.

Variable overhead is distinct from typical overhead expenditures related with administrative chores and other set budgetary requirements.

[tex]Variable Manufacturing Overhead Per Batch = \frac{Change In Manufacturing Overhead}{Change In Number Of Batches}[/tex]

= [tex]\frac{(Manufacturing Overhead Quarter 2 - Manufacturing Overhead Quarter 1)/}{(Batches Quarter 2 - Batches Quarter 1)}[/tex]

= ($153,000 - $105,000)/(11 - 5)

= $48,000/6 batches

= $ 8,000 per batch

Fixed Manufacturing overhead = $153,000 - (11 batches*$8,000)

= $153,000-$88,000

= $65,000

Hence, the restatement of quarterly data is as shown in the attached picture.

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Which ratio assesses how efficiently a firm uses its fixed assets? multiple choice
a. capital intensity ratio
b. current ratio
c. average collection period
d. fixed asset turnover

Answers

The  ratio that assesses how efficiently a firm uses its fixed assets is the fixed asset turnover (option d).

What is the fixed asset turnover?

A fixed asset turnover measures the effieicincy with which a firm utilizes the use of its fixed cost. The  fixed asset turnover is the ratio of the firm's revenue to its average fixed assets. The fixed asset turnover is an example of an activity ratio.

Fixed asset turnover = revenue / average fixed asset.

The higher the fixed asset turnover ratio, the more efficient the firm is. If the fixed asset turnover is below the average for other firms in its industry. it is a negative indicator.

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What illegal activity is an employee in the business office committing when he deliberately changes the diagnosis codes on claims in order to receive higher reimbursement?

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Fraud: Is an illegal activity which an employee in the business office committing when he deliberately changes the diagnosis codes on claims in order to receive higher reimbursement.

Fraud is when a person purposefully lies or makes a false statement.

       What are  Major Forms of Fraud?

Asset misappropriation, extortion and corruption, fraud in financial statements are major types of fraud.Fraud is when someone is taken advantage of monetarily by another else. Fraud happens when someone deceives another by persuading them to do or not do anything that causes them to suffer financial loss. Fraud can be carried out in person, online, or through written correspondence.The goal of fraud may be financial gain or other benefits, such as getting a passport, travel document, or driver's license, or it may be mortgage fraud, when the offender makes false claims in an effort to qualify for a mortgage.

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A project has estimated annual net cash flows of $68,000. it is estimated to cost $380,800. determine the cash payback period. round your answer to one decimal place.

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Certainly put a project is a series of duties that want to be completed to attain a particular final results.

A undertaking also can be described as a set of inputs and outputs required to achieve a selected aim. projects can variety from easy to complicated and can be controlled by one person or one hundred.

The payback length is the period required to get better the initial investment

The payback period does no longer take into account the cash flows generated after the payback length.

Determine the payback length by means of dividing the initial value by annual

internet coins flows:

Initial cost

Payback period = lital cost

Stack Pesiod = all net cash HWS

Substitute $180,000 for initial cost and $50,000 for annual net cash flows

the equation to get the payback pe

Therefore, the cash payback period is 3.60 years

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advertising occurs when a consumer is ""unjustifiably injured"" or there is a ""violation of public policy.""

Answers

Deceptive advertising occurs when a consumer is "unjustifiably injured" or there is a "violation of public policy." false.

What is consumer?

A consumer is a person or a group that wants to order, orders, or utilizes purchased items, products, or services primarily for personal, social, family, household, and comparable purposes that are not directly tied to entrepreneurial or company activity. (An individual who purchases goods and services for their own consumption)

President John F. Kennedy defined consumers to the US Congress on March 15, 1962, saying that "Consumers, by definition, comprise us all." World Consumer Rights Day, which is now observed on March 15, was inspired by this lecture, which served as its foundation. In his address, John Fitzgerald Kennedy underlined the government's essential duty to consumers to support the exercise of their rights, including:

The right to safety: To be b from the promotion of things that are harmful to one's health.

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What is the total period cost for the month under the variable costing approach? a. $290,600 b. $112,200 c. $231,200 d. $343,400

Answers

(d). $343,400

Period cost = Variable selling and administrative cost + Fixed manufacturing overhead + Fixed selling and administrative cost

= $8 ? 6,600 + $231,200 + $59,400

= $52,800 + $231,200 + $59,400

= $343,400

What are variable costs?

Variable costs are the total of all production's marginal costs. They may also be regarded as ordinary expenses. The two elements of the total cost are fixed costs and variable costs. Direct costs are expenses that are directly related to a certain cost object. But not all variable costs are related to direct expenses. For instance, variable overhead costs in manufacturing are variable expenses that are indirect costs rather than direct costs. Because they change depending on how many units are produced, variable costs are also known as unit-level costs.

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The primary function of international economic organizations such as the world trade organization (wto) is?

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The primary function of international economic organizations such as the world trade organization WTO is ensure that trade flows as smoothly, predictably and freely as possible. The World Trade Organization is founded on agreements signed by the majority of the world's trading nations.

The organization's primary function is to assist producers of goods and services, as well as exporters and importers, in protecting and managing their enterprises. The WTO has 164 member countries as of 2021, with Liberia and Afghanistan joining in July 2016, and 25 "observer" countries and governments. The organization provides a forum for member states to negotiate and settle trade disputes with other economic members.

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On september 1 of year 1, a law firm collected cash for services to be provided in year 2. based on this information, how will the recognition of earned revenue affect the year 2 balance sheet?

Answers

Liabilities will decrease and equity will increase.

What do you understand by Liabilities?

A liability is a financial debt that an individual or organization owes. Liabilities are finally paid through the transfer of economic advantages like money, goods, or services.

Liabilities have three major characteristics: they are a type of borrowing; they are a current obligation that binds an entity; and they will diminish assets upon settlement.

Liabilities include things like -

bank debt

mortgage debt

Payment due to suppliers (accounts payable)

unpaid wages.

tax debt.

Liabilities are initially valued and documented using the cost principle, just like assets. In other words, the liability is calculated and recorded at the asset's or service's current market value at the time it is incurred.

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the smaller the share of a household's budget spent on a product, the more the demand for the product is.

Answers

The smaller the share of a household's budget spent on a product, the more the price inelastic demand for the product is.

Demand is the willingness of consumers to buy goods and services without hesitation and to pay for them. Simply put, demand is the number of items that customers are willing to purchase at various prices over a period of time.

Aggregate demand increases when more buyers are available in the market. For example, if more people were able to buy yachts, the market size and demand for yachts would increase. If fewer people can afford to buy a yacht, the market and demand will decrease. Supply and demand are two sides of the same market coin. Generally, supply is the amount of something available or produced at a particular price. Demand is the amount that people are willing to buy or consume at a particular price.

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the project management institute (pmi) develops procedures and concepts necessary to support the profession of project management. which of the following is not one of the three areas it focuses on?

Answers

Change in business goals during project planning (management) is not one of the three areas it focuses on. Hence, option C is correct.

What is project planning?

The discipline of project planning focuses on how to complete a project within a predetermined timeframe, often with predetermined stages and resources. According to one method of project planning, the first stage is to set definable goals. Setting forth the deliverables.

The Project Management Institute developed the five phases of project management: conception and initiation, project planning, project execution, performance/monitoring, and project completion.

Thus, option C is correct.

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The options are missing-

A. The distinguishing characteristics of a practicing professional (ethics).

B. The content and structure of the profession's body of knowledge (standards).

C. Change in business goals during project planning (management).

D. Recognition of professional attainment (accreditation)

which of the following is an example of a capital input? group of answer choices a computer a share of stock an hour of a worker’s time $50,000

Answers

An example of capital input is a computer.

What is capital input?

Capital input refers to any type of tool, machinery, or building that is used by the company in the production of goods or services.

In this question, we have to identify the example of capital input from the given option. From the given examples a computer is an example of capital input because the computer is used by the company to produce services or do any other business-related work. Hence, the example of capital input is a computer.

Option (a) is not correct because it is not used in production.

Option (c) is not correct because it is not used in production.

Option (d) is not correct because it is not used in production.

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an increase in supply will have what effect on equilibrium price and quantity? a.price will decrease; quantity will increase. b.price will increase; quantity will decrease. c.both price and quantity will increase. d.both price and quantity will decrease.

Answers

When there is an increase in supply, the effect on equilibrium price and quantity is a.price will decrease; quantity will increase.

What happens when supply increases?

When supply increases, this will lead to a rightward shift in the supply curve. The new equilibrium point will therefore be pushed to the right.

This new equilibrium point would point to more quantity provided to the market but will also lead to a lower price as a result of reduced scarcity of the good or service in question.

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The economic crisis in 2008 had a huge impact on eaton’s business to business customers. In response to the crisis, eatons customers tried to cut cost and lower their production. This in turn affected eatons sales negatively, which is an example for _______.

Answers

The economic crisis in 2008 had a huge impact on eaton’s business to business customers. In response to the crisis, Eaton's customers tried to cut costs and lower their production. This in turn affected eatons sales negatively, which is an example for solutions selling.

From peak to trough, US gross domestic product fell by 4.3 percent, making this the deepest economic crisis recession since warfare II. It absolutely was also the longest, lasting eighteen months.

The per centum quite doubled, from 5 percent to 10 percent. The collapse of the housing market — fueled by low interest rates, easy credit, insufficient regulation, and toxic economic crisis subprime mortgages — led to the slump. The good Recession's legacy includes new financial regulations and an activist Fed.

Of 198 Countries, compared to the proportion change in GDP between 2007 and 2009, the foremost impacted countries are predominantly Eastern European and trade-dependent economic crisis advanced economies. One of the foremost visible aspects of the recession, job losses and unemployment are known to be related to increased stress, poorer health outcomes.

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Ford motor company engages in partnerships with its suppliers, component part makers, unions, transport companies, and dealerships—collectively known as its.

Answers

Ford Motor Company enters into relationships with its suppliers, component part manufacturers, unions, transport firms, and dealerships, which are referred to as its Corporate Partners.  Ford Motor Company, also known simply as Ford, is a global American automaker with headquarters in Dearborn, Michigan.

A corporate partnership is a connection between a business and a nonprofit organization. Typically, a charity is given money, commodities, or services in exchange for something the business partner perceives as advantageous.

As we carry out our duties, make plans for the future, and increase our knowledge of products, changes, and trends, business partner relationships serve as crucial links and resources. When a product or service evolves or when a new product or service is required, developing ties with potential corporate partners can be helpful.

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To enter transactions on the right side of a t-account means you will credit ____________ the account and will cause a(n) ___________ in a liability account.

Answers

To enter transactions on the right side of a t-account means you will credit the account and will cause an increase in a liability account.

What is a t-account?

An account in the general ledger is depicted graphically as a T account. Placed above the "T" is the account's name (sometimes along with the account number). The left of the "T" are entries that are debits, while the right of the "T" is entries that credit. At the bottom of each "T" account, the grand total sum is displayed. To display all of the accounts impacted by an accounting transaction, a group of T accounts is often grouped together.

In double-entry accounting, the T account serves as a key teaching tool by demonstrating how one side of a transaction is mirrored in another account.

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which cost would not be included in an operation's food costs? linen coffee produce paper wrappers for to-go foods questions 6, 7, 8, 9 and 10 utilize the following information:

Answers

Cost of Linen would not be included in an operation's food cost.

How to calculate food cost?

The cost of food is the ratio of difference between the price of your ingredients and raw materials and the money you make from selling your menu items.

cost of food = ratio of (cost of raw materials) / (ingredients) and revenue generated

The price of meals in a restaurant can be calculated in a variety of ways. To calculate their meal cost per serving, some people opt to break down the price of each component in a recipe.

Others figure it out based on their Cost of Goods Sold (COGS), which accounts for the worth of your inventory at a particular point in time and displays the cost of food over a set time frame. With the help of this technique, you can determine your desired food cost % and have a better sense of how much it costs you to prepare your meals.

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Occupational diversity which profession has trouble finding work if a countries educational system has produced more than the country can employ?

Answers

When it comes to job creation, economists are always looking at two things; how many jobs are being created and what kind of jobs are being created.

While there’s no shortage of middle-class jobs in Some countries, high-paying jobs might be getting harder to come by, especially in the manufacturing industry.

The Engineering ( Tech ) profession has trouble finding work if a country's educational system has produced more than the country can employ.

Not only  Engineering ( Tech ) profession but also other professions like Doctors, Architecture, building and Surveying professionals, Software Development Specialists, Information Technology Project Management Specialists, Natural Sciences Managers, Directors, Coordinators, Advertising, Marketing, Public Relations and Sales Managers, Business Operations Specialists in Canada, Financial Auditors and Accountants (includes accounting technicians), Office Support Workers/Assistants including Administrative Officers & Material Recording-Keeping, Preparing and Processing Occupations including Data Entry Key/Data Processors.

But Coming to the most trouble finding Jobs, It would be Engineering ( Tech ) profession & Doctors.

Engineering tech: Engineers are especially susceptible to having difficulty finding work when a country's education system has produced more than what the country can employ, and for good reason:

According to the U.S. Bureau of Labor Statistics (BLS), less than 12% of graduating engineering students have an occupation in engineering after graduation, with that number being closer to 6% if you remove graduates from abroad or those who went on to study at graduate school.

Even then, the BLS reports that recent grads had just a 27% employment rate in recent years. The remaining engineering techs find jobs as construction laborers, welder helpers, drafters, or production managers-- positions that require much less specialized knowledge than those listed above.

Doctors & Other Professions:

#1-Doctors-it takes 13 years of schooling to become a doctor and they have a hard time getting employment when there are many in one place (top 10 countries).

#2-Software engineers- even though they need 8 years of school, and high-level skills, if too many people try to get into this field it is difficult to find work in software engineering.

Even though they need 12 years of education to become a dentist, in some places dental professionals also experience difficulties finding work due to an oversupply.

#3- Teachers - while they only require 4 years of education before becoming certified as teachers, some countries such as Japan are experiencing difficulty hiring them because of their society's social skills values of caring for children and families instead of teaching.

Hence, Engineering ( Tech ) profession faces the most trouble finding work if a country's educational system has produced more than the country can employ.

To learn more about Occupational diversity refer to:

brainly.com/question/15603223

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