Change to the LIFO method from the FIFO method is more associated with financial statements prepared in accordance with US GAAP than with international financial reporting standards
A new Accounting Standard Update (ASU) may need mandatory adjustments, in which case a new accounting principle is applied, or. on the grounds that it is desirable, voluntarily switches from one accepted accounting theory to another.What three categories of modifications are recognised by GAAP as accounting changes?
Three different forms of accounting changes exist. These include modifications to reporting entities, modifications to accounting principles, and modifications to accounting estimations.To learn more about accounting standards, click the link.
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from before the financial crisis began in september of 2007 to when the crisis was over at the end of 2009, the huge expansion in the fed's balance sheet and the monetary base did not result in a large increase in money supply because
The Fed's balance sheet was about $870 billion prior to the crisis, or about 7% of GDP. This size largely reflected the quantity of currency in circulation, which at the time was its greatest liability.
What actions did the Federal Reserve take during the 2007 and 2008 financial crises?
The financial crisis that began in the summer of 2007 was aggressively responded to by the Federal Reserve, which implemented a number of programs to support financial institutions' liquidity and foster improved conditions in financial markets.
The Federal Open Market Committee (FOMC) accelerated its interest rate cuts in the fall of 2008, bringing the rate to its effective floor—a target range of 0 to 25 basis points—by the end of the year.
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for 2020, lydia had adjusted gross income of $60,000 and made the following charitable contributions: cash contribution to her synagogue: $ 1,500 tuition to a private school paid directly to her niece: $ 1,200 contribution to the salvation army: $ 350 cash contribution to a man begging on a freeway off ramp: $ 150 what is the maximum amount that she can deduct as a charitable contribution for 2020?
The maximum amount that she can deduct as a charitable contribution for 2020 is $1850.
1500 was given in cash to her synagogue.
350 has been donated to the Salvation Army.
Total = 1500 + 350
= $1850
A donation or gift made to or for the benefit of an approved organisation is referred to as a charitable contribution. It is given voluntarily and without expecting or receiving anything of comparable worth. reputable organisations.
You must keep a record of any contributions made in cash, check, or other forms of money (regardless of the amount), such as a bank record or a written letter from the qualified organisation specifying the organization's name, the donation's amount, and the date.
Under Section 80G of the Income Tax Act, donations made to specific relief funds and charity organisations may be deducted from income. However, section 80G does not permit deductions for all donations. Only contributions made to specified funds are tax-deductible.
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superbrite is a brand of toothpaste. in its earlier campaign, superbrite was advertised as an effective whitening toothpaste. however, due to declining sales, its parent company has decided to rethink its marketing strategy. in its new campaign, superbrite is still portrayed as whitening toothpaste, but it also features a research study where other familiar brands in the market fail to make the grade. in this campaign, superbrite has tried to reposition multiple choice its application. the target market. the competition. its price. its attributes.
In this campaign, superbrite has tried to reposition, in this campaign, superbrite has tried to reposition the competition. Option C
This is further explained below.
What is the competition?Generally, A rivalry may be defined as a situation in which two or more parties struggle for a single objective that cannot be shared. In this scenario, the success of one party results in the failure of another.
Entities as diverse as biology, persons, economic and social organizations, and others may engage in competitive interactions with one another.
In conclusion, Within the context of this strategy, not only has Superbrite attempted to reposition itself, but they have also attempted to reposition its rivals. Alternative C
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An automobile salesperson uses ________ when it accesses a mobile system to obtain the latest information on consumer demand for electric vehicles.
It is anticipated that the widespread use of electric propulsion technology will radically alter the automobile industry, enabling environmentally friendly transportation and opening up new commercial prospects for firms. Electric current from electric vehicle batteries, which are both used and stored, is what electric cars (EVs) use (EVBs). Unfortunately, the performance of lithium-ion chemistry-based EVBs degrades over time and with use as a result of calendar aging and cycle aging (Ebner et al. 2013).
After 6 to 8 years of operation, or at least 100,000 miles or 160,000 km of travel, automotive manufacturers anticipate that an EVB will reach the end of its first life (e.g., BMW AG 2016; Nissan North America Inc. 2016). The original driving range, acceleration, and charging speed of the EV are then restored when an EVB is replaced.
Since most removed EVBs still have between 70% and 80% of their useable capacity left, repurposing and using them in new second life applications may prove to be a practical way to increase revenue (Neubauer et al. 2015; Ahmadi et al. 2017). According to Elkind (2014), these income can help offset the high upfront expenses of EVs, up to 25% of which are now covered by the EVB (Nykvist and Nilsson 2015).
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true or false: when obtaining an understanding of the control environment, it is important that auditors focus on the substance of controls, rather than their form
It is specifically expected of auditors to comprehend controls that deal with "significant" risks.
Risks of material misstatement that, in the auditor's professional judgment, necessitate special audit consideration are identified and evaluated for these.
Because management controls may be established appropriate policies and procedures but not acted upon, the auditor should focus on the substance of management policies, procedures, and related actions controls rather than their form.
While getting a comprehension of controls pertinent to the review the examiner is expected to?The auditor should follow procedures to acquire sufficient knowledge about the design of the relevant controls pertaining to each of the five internal control components and determine whether they have been put into operation in order to gain an understanding of controls that are relevant to audit planning.
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the electricity bill at padco was driven solely by the lights throughout the office; everything else was driven by alternative energy sources. the office was open roughly 8 hours a day, five days a week and the cleaning crew spent about the same amount of time in the offices each week night. the kilowatt hour usage for the office was best described as a:
The kilowatt hour usage for the office was best described as a horizontal demand curve.
Demand that is completely elastic is illustrated by a horizontal demand curve. In other sense, consumers would only buy the good at a particular price and will make no transactions whenever the price is higher.
In a market with perfect competition, each firm's demand curve is horizontal since supply and the market's demands determine pricing. Companies are price takers as a consequence. Customers won't be motivated to buy from a company that attempts to charge higher than the going rate in the marketplace. If your price is even a little bit higher, they won't see any incentive to buy from you.
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kendall's company has bought office stationery and business cards from the same printing company for five years. kendall's company recently moved into a bigger office down the street. she called the printing company to order new stationery with the updated address. this is an example of a(n)
This is an example of a Modified Rebuy
Modified Rebuy is a situation in which an individual or an organization rebuys the goods but just makes a few certain changes that are modified in the buying process. These changes can be related to many elements while purchasing it can either be the supplier or some specific elements of previous orders that need changes.
When Kendall's company bought stationary and business cards from the same company and then moved to a bigger office she updated the address of the office which is a change while making the purchase.
Hence, this type of purchasing is an example of Modified Rebuy.
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5 purchases 180 units at $56 14 sale 120 units 21 purchases 90 units at $58 30 sale 84 units assuming that a perpetual inventory system is used, what is ending inventory (rounded) under the average-cost method for july?
Ending inventory (rounded) under the average cost method is $5,500 for July.
The average cost approach calculates the cost of inventory items by dividing the total cost of goods purchased or produced over a given time by the total number of items purchased or produced. The average cost strategy is also known as the weighted average method.
Units Unit cost Total cost
Beginning inventory 30 60 1800
July 5 Purchases 180 56 10080
Total 210 11880
Average cost per unit for July 14 sale 56.5714 = 11880/210
Units remaining after July 14 sale 90 = 210 - 120
Units Unit cost Total cost
Units remaining after July 14 sale 90 56.5714 5091.43
July 21 Purchases 90 58 5220.00
Total 180 10311.43
Average cost per unit for July 30 sale 57.2857 = 10311.43/180
Units remaining after July 30 sale 96
Ending inventory (rounded) 5500 = 96 × 57.2857
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giuseppa works for a company that distributes shares of stock to all the employees by placing the stock in a trust. her company has a(n) ownership plan.multiple choice question.401kgainsharingemployee stockprofit sharing
Giuseppa works for a company that distributes shares of stock to all employees by placing the stock in a trust, her company has an employee stock ownership plan.
What is an employee stock ownership plan?An employee stock ownership plan is described as a sort of benefit plan for employees. In this format, the employees of a company receive an ownership interest in the form of stocks that are shared with the employees. It is important to mention that the sharing of the stocks with the employee is a sort of remuneration system. The stocks of the company in such a scenario perform in a better way.
In this scenario, Giuseppa works for a company that shares the stocks with all the employees. The employees are remunerated through the stocks and employees become the shareholders of the company.
It can be concluded that Giuseppa works for a company that distributes shares of stock to all employees by placing the stock in a trust, her company has an employee stock ownership plan.
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three years ago, you invested in the future investco mutual fund by purchasing 1,000 shares of the fund at a net asset value of $30.00 per share. because you did not need the income, you elected to reinvest all dividends and capital gains distributions. today, you sell your 1,100 shares in this fund for $32.67 per share. what is the compounded rate of return on this investment over the 3-year period?
(200 x 0.92) + (200 x 0.80) + (200 x 29) = $6144
6144 - (200 x 23) = $1544 total return is the compounded rate of return on this investment over the 3-year period.
Investment is the determination of cash to buy an asset to gain an increase in price over a time period. Funding calls for a sacrifice of a few present assets, along with time, money, or attempt. In finance, the purpose of investing is to generate a return from the invested asset. The return may consist of a gain (income) or a loss found out from the sale of assets or funding, unrealized capital appreciation (or depreciation), investment profits together with dividends, interest, condo income, or a combination of capital advantage and earnings. The return may consist of forex profits or losses because of modifications inside the overseas currency trading fees. Buyers normally anticipate higher returns from riskier investments. When a low-risk investment is made, the return is also commonly low.
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in 2018, montpelier inc. issued a $100 par value preferred stock that pays a 9 percent annual dividend. due to changes in the overall economy and in the company's financial condition, investors are now requiring a 10 percent return. what price would you be willing to pay for a share of the preferred if you receive your first dividend one year from now?
$90 would you be willing to pay for a share of the preferred if you receive your first dividend one year from now.
Dividend =Par value preferred stock × Annual dividend percentage
Dividend=$100 par value ×9%
Dividend=$9
Price = Dividend ÷ Return percentage
price = $9÷10%
Price = $90
What is dividend and how its work?
A dividend is a portion of a company's profits that is given as either stock or cash to shareholders; it is often paid on a quarterly basis as a gift to investors. The declaration of a company's intention to pay a dividend on a specific date is as good as a promise, unlike the share price, which might fluctuate from day to day.
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edwin owns a smartphone with a digital assistant that recognizes words and phrases and provides appropriate answers to his questions. what technology does the smartphone use to make the assistant respond to edwin?
The technology used by the smartphone to make the assistant respond to edwin is synthesized speech.
Write a short note on speech generating devices.SGDs, or speech-generating devices, are electronic augmentative and alternative communication (AAC) systems designed to complement or substitute speech or writing for people with severe speech impairments, allowing them to verbally communicate. SGDs are also referred to as voice output communication aids. SGDs are significant because they enable individuals to participate actively in communication interactions, which is vital for those who have limited verbal communication options. Although recently utilized for kids with anticipated speech difficulties, they are most beneficial for people with ALS (amyotrophic lateral sclerosis).
SGDs offer a variety of input and display options for users with different skill levels. Only a subset of the available symbols are shown at any given time because certain SGDs have multiple pages of symbols to accommodate numerous utterances.
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as a project manager, you make considerations when building a team. you decide how many people need to be on the team, what expertise each member will need to complete their tasks, and if they have a personal incentive to work on the project. what else should you consider when building a team?
You should consider team member availability also when building a team.
Building of a team for work is important as a good team will help you expand your work whereas a bad team can make your business go corrupt.
In the above scenario, the project manager has looked upon good aspects to hire a team. However, he should also take into consideration the team members' availability. The proper working times of a team need to be taken into account in order for productivity.
A schedule can be made of the team member's availability and work can proceed on the project accordingly.
Although a part of your question is missing, this might be the correct question:
As a project manager, you make considerations when building a team. you decide how many people need to be on the team, what expertise each member will need to complete their tasks, and if they have a personal incentive to work on the project. what else should you consider when building a team?
-team member availability
-team size
-necessary skill of management
-team member motivation
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should we buy intel? why or why not? group of answer choices yes, because the required return is less than its expected return. no, because the required return is less than its expected return. no, because the required return is greater than its expected return. yes, because the market return is greater than the stock's expected return.
The answer choice group is yes because its required return is less than its expected return. no, because the required return is less than his expected return.
A. Intel stock expected return
= Risk Free Rate + Beta * (Market Return – Risk Free Rate)
= 5.6% + 1.69 (12.2% - 5.6%)
= 16.75%
b. Boeing's expected stock return
= Risk Free Rate + Beta * (Market Return – Risk Free Rate)
= 5.6% + 0.88 (12.2% - 5.6%)
= 11.40%
C. Beta portfolio with 60% Intel stock and 40% Boeing stock.
= Weighted average beta
= (0.6 * 1.69) + ( 0.4 * 0.88)
= 1.37
d. First method – Weighted average of both returns
= (0.6 * 16.75%) + (0.4 * 11.40%)
= 14.6%
Second method - Use Portfolio beta and CAPM
= Risk Free Rate + Beta * (Market Return – Risk Free Rate)
= 5.6% + 1.37 (12.2% - 5.6%)
= 14.6%
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Even though Nvidia and AMD get most of the attention, Intel is still the biggest company in its field. Even though it no longer has the title of "world's largest chipmaker," it still
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the 30-year, 5.5 percent bonds issued by modern kitchens pay interest semiannually, mature in four years, and have a $1,000 face value. currently, the bonds sell for $1,020.66. what is the yield to maturity?
Based on the face value of the bond, the yield to maturity, and the term of the bond, the yield to maturity can be found to be 4.92%.
How to find the yield to maturity?The yield to maturity shows the rate of the return that the investors purchasing the bond demand from it. If this rate is lower than the coupon rate, then the selling price of the bond would be higher than the face value.
The formula for the yield to maturity is:
= (Annual coupon + ( Face value - Current market value) / Term till bond maturity) / (Face value + Current market value) / 2)
Coupon payment is:
= 5.5% x 1,000
= $55
Solving for the yield to maturity gives:
= (55 + ( 1,000 - 1,020.66 ) / 4 ) / ( 2,020.66 / 2)
= 4.92%
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the milken company is offering you an investment that promises you $10,000 at the end of 8 years if you invest $ 7,886 today. what is the annual return on this investment?
The annual return on this investment in the Milken company is 3.4%
Define annual return.An investment's average yearly return over a given time period is known as its annual return or annualized return. In order to depict what the yearly return compounded would appear to be, the return is annualized using a geometric average calculation. By dividing the total gain or loss at the end of the year by the initial investment made at the beginning of the year, the annual rate of return is determined.
Total returns at the end of 8 years = $10,000
Total investment today = $ 7,886
Total returns from the investment = $2,114
Annual return = $524 ($2,114/8)
= 3.4% ($264.25/$7,886 × 100)
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which choice best reflects why some people consistently make bad investmets
You can insert only one footnote and one endnote per page
Question 2 options:
True
False
It is a true statement that you can insert only one footnote and one endnote per page.
What do we call a footnote / endnote?On a typical page, this refers to the note printed at the bottom of a page that gives an extra information about something that has been written on that page. It is usually singular and tells about an event, subject or detail that is not important.
We can insert a footnote per page by clicking on the Options button at the top of the header, go to Footer Format and make sure that the footer applies to only this section. Now the footer will be only on that one page.
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________ occurs when the supplier, rather than the retailer, manages the entire inventory process for a particular product or group of products, resulting in more effective inventory replenishment.
Vendor Managed Inventory occurs when the supplier, rather than the retailer, manages the entire inventory process for a particular product or group of products, resulting in more effective inventory replenishment.
Vendor-managed inventory is an approach to inventory control where a provider of the product, typically the manufacturer, is in charge of making the most of the stock that a distributor has on hand. A retailer determines the order size on its own in traditional inventory management.
Vendor Managed Inventory aims to create a win-win situation where both parties may more precisely and smoothly manage the flow and availability of commodities. In VMI, a manufacturer or distributor takes on the responsibility of planning the customer's inventory.
One common name that often comes up when discussing organizations and enterprises employing vendor-managed inventory systems is Walmart. The company has a VMI system in place which ensures that its vendors and suppliers are accountable for maintaining their inventory in the designated warehouse owned by Walmart.
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holly took a prospective client to dinner at a restaurant, and after agreeing to a business deal, they went to the theater. holly paid $370 for the meal and separately paid $218 for the theater tickets, amounts that were reasonable under the circumstances. what amount of these expenditures can holly deduct as a business expense?
The amount of these expenditures can holly deduct as a business expense is $185
The cost of entertainment is not deductible ($370 × 50% = $185).
Costs incurred in the regular course of business are referred to as business expenses. They can be used by both big and small businesses. The income statement includes expenses related to the business. To determine a company's taxable net income, business expenses are deducted from revenue on the income statement.
Deductions for office supplies, credit card processing costs, tax preparation costs, and equipment and property upkeep are also available. Still, you can write off a portion of other company costs by depreciating them or amortizing them over a period of time.
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the toso company uses the retail inventory method. the following information is available for the year ended december 31, 2024: costretail inventory 1/1/2024$ 390,000$ 650,000 net purchases for the year1,402,0001,835,000 net markups 75,000 net markdowns 45,000 net sales 1,845,000 applying the conventional retail inventory method, toso's inventory at december 31, 2024, is estimated at:
A sort of inventory estimating approach is the retail inventory method. The retailer employs this technique to calculate both the cost of terminating inventory and the cost of products sold. The retailer keeps track of the products they sell and buy at retail prices.
b. $469,000 . Retail ending inventory: $670,000 Beginning inventory costs $650,000, followed by net purchases of $1,835,000, net markups of $75,000, net markdowns of $45,000, and net sales of $1,845,000.
70% cost ratio (Beginning inventory of $390,000 + net purchases of $1,402,000) $650,000 in initial inventory plus $1,835,000 in net acquisitions plus $75,000 in net markups equals [$650,000]. ending stock at cost: $70,000 multiplied by 70%
Therefore, the merchant can use this inventory approach to calculate the net profit or loss from transactions that were made during the period.
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which of the following statements describes one the weaknesses of group decision making? group of answer choices groups bring less information and knowledge to the decision process. groups tend to generate significantly fewer alternatives than an individual. the participation of group members decreases the likelihood that a decision will be accepted by the employees. group members may pressure others to conform to decrease the possibility of disagreement. all of the above statements describe weaknesses of group decision making.
One of the weaknesses of group decision-making is that group members may pressure others to conform to decrease the possibility of disagreement.
It is always difficult to make a particular decision if there are a lot of people in the group. Every person has their own ideas and thoughts, and everyone can produce new ideas. Their ideas would be best for themselves, and they would want to incorporate them into the group activity. Thus, it would lead to chaos and confusion and can even lead to an argument among the members of the group.
In every group, there are some dominating members, and they might force the other members to conform to their wishes. In this way, a pressure situation is created in which the other members do not get the chance to put forward their ideas and have to agree with the others. In this way, creativity is subdued.
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small firms generally have relatively high loadings (high betas) on the smb (small minus big) factor. a. explain why this is not surprising. b. now suppose two unrelated small firms merge. each will be operated as an independent unit of the merged company. would you expect the stock market behavior of the merged firm to differ from that of a portfolio of the two previously independent firms? c. how does the merger affect market capitalization? d. what is the prediction of the fama-french model for the risk premium on the merged firm compared to the weighted average of the two component companies? e. do we see here a problem in applying the ff model?
In a Fama-French regression, a positive SMB coefficient is frequently read as indicating a portfolio that is skewed toward small-cap companies.
We exhibit a relatively sizable portfolio with an overall positive SMB coefficient.
Why is little less than big significant?
According to the Fama/French stock pricing model, small businesses outperform big businesses over the long run (SMB). Another component of the model that states that value equities typically beat growth firms is high minus low (HML).
SMB beta: What does it mean?
The size effect known as Small Minus Big (SMB) is based on a company's market capitalization. The historic advantage of small-cap enterprises over large-cap companies is measured by SMB. SMB may be recognized, and linear regression can be used to calculate its beta coefficient ().
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any place where, or any mechanism by which, buyers and sellers interact to trade goods, services, or resources is a(n) . (enter one word in the blank)
In order to facilitate the exchange or transaction of goods and services, a market is a location where buyers and sellers can meet.
An organization or mechanism that brings together buyers and sellers is a market. Efficiency and the capacity to produce more goods and services are aided by capital goods and technology.
What is the process by which buyers and sellers freely exchange goods and services?
Bartering is the non-monetary exchange of goods and services between two or more parties. It is the oldest method of trade. Based on comparable price estimates and goods, individuals and businesses trade goods and services.
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independent review and appraisal a.origination of initial entry into accounting system b.accounting and cash collection is properly separated c.one department should check on another d.blank checks are locked at all times when not in use e.specific authority is given by management for the performance of activities
The practice of independent review and appraisal is mostly related to when "one department is required to check on another".
What is an independent review and appraisal?In accounting, an independent appraisal of activity within an organisation for review of accounting, financial and other business practices is also called as an internal audit. This audit, as a financial practice is done to check the internal control systems, accounting systems as well as to check for any frauds and errors in the financial statements in advance.
In conclusion, an internal audit serves as an independent appraisal function created within an organization to examine or evaluate its activities as a service to the organization.
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gravity is a successful and popular ice cream parlor in the community. it sells a variety of soft-serve and hard ice cream flavors. its main competitor, dairy twist, is also popular. in addition to offering its customers a robust menu of soft-serve and hard ice cream flavors, it offers a menu of local seafood snacks, which customers love. if gravity were to research whether to add similar food items to its menu, what should it do first?
The first thing that Gravity must do is Market research to acquire the right kind of data to decide whether Gravity should expand its menu or whether customers want them.
Market research is a systematic attempt to collect as much information as possible about target market segments and consumers, beginning with knowing who they are. Market research is a crucial component of the company's strategy and a critical part in keeping competitiveness. The requirements of the marketing, the market structure, market segments and the rivalry are all identified and investigated with the assistance of market research. Its techniques include both subjective ones, like focus group discussions, in-depth conversations, and ethnography, and statistical ones, such questionnaires and secondary research.
Gravity must do detailed market research to understand whether there is need to add extended menu or not.
The complete question is here:
gravity is a successful and popular ice cream parlor in the community. it sells a variety of soft-serve and hard ice cream flavors. its main competitor, dairy twist, is also popular. in addition to offering its customers a robust menu of soft-serve and hard ice cream flavors, it offers a menu of local seafood snacks, which customers love. if gravity were to research whether to add similar food items to its menu, what should it do first?
(a) Come up with a plan to uncover whether to add food items to its menu or whether its loyal customers want these items.
(b) Analyze primary research data to inform whether Gravity should expand its menu or not.
(c) Acquire the right kind of data whether Gravity should expand its menu or whether customers want them.
(d) Come up with actions steps for Gravity to expand its menu.
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You need to write a check for $167. 50 from your checking account, which has a balance of $1,725. 25. What percent of your balance will remain?.
Percentage of the balance which will be remained is 90.29%
It is given that the balance is $1725.25
Check amount which has to written is $167.50.
Thus, the remaining balance after getting deducted will be $1725.25 - $167.5 = $1557.75
Percentage of the balance = (Remaining balance ÷ Total amount )×100
= ($1557.75 ÷ $1725.25) ×100
= (0.9029) ×100
= 90.29%
Thus, Percentage of the balance is 90.29%
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g what is the efn if the firm wishes to keep its debt-equity ratio constant? (do not round intermediate calculations and round your answer to the nearest whole number, e.g., 32.)
Revenue growth can maintain the ratio's stability. As sales rise, you reinvest the money in the business by buying assets or settling debt. By raising equity, this lowers the debt to equity ratio.
The rate of growth of a company's assets and sales should be equal. If the anticipated sources of funding matched the amount needed, there would be no. The will decrease if there is a smaller correlation between any of the impulsive assets and sales. For instance, if the business expands, improved inventory control will lower the inventory to sales ratio and the . The debt-to-equity (D/E) ratio demonstrates how much equity and debt are being used by a company to finance its assets. The D/E ratio indicates how much a shareholder's In the event that a business fails, equity may be used to satisfy debts to creditors. (A) The debt ratio is 0.32, or the debt to equity ratio.
Debt = 0.32* Equity Debt = 0.32* Equity/0.68 = 0.32/0.68 * Equity. Debt = 0.32* Equity.
(0.32/068*Equity)/Equity is the debt to equity ratio.
Ratio of debt to equity: 0.32/0.68 = 0.47
Debt-Equity Ratio (0.47 to two decimal places)
Equity multiplier equals 1 + debt - equity equals 1+0.47 equals 1.47 (B).
Equilibrium multiplier is 1.47. (Rounded to 2 decimals)
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american insurance co. reviewed its customers for creditworthiness. american insurance found that a number of its customers had lower credit scores than expected. without disclosing the reason, american insurance increased the rates of insurance on new customers who had credit scores below a certain threshold. american insurance:
The Fair Credit Reporting Act has been willfully violated by American Insurance.
The U.S. Federal Government passed the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., as legislation to support the truth, fairness, and privacy of consumer information stored in the files of consumer reporting agencies.
Any business that gathers and offers data about you to third parties must comply with the FCRA. These businesses also referred to as consumer reporting agencies, are bound by the FCRA's rules. Equifax, TransUnion, and Experian are the three most well-known consumer reporting companies in the United States.
Typical FCRA breaches include:
Creditors provide incorrect financial information about you to reporting authorities. Because two people may share the same name or social security number, reporting organizations may mistakenly combine one person's information with another's. Agencies disregard the rules for resolving conflicts.
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The complete question is:
American Insurance Co. reviewed its customers for creditworthiness. American Insurance found that a number of its customers had lower credit scores than expected. Without disclosing the reason, American Insurance increased the rates of insurance on new customers who had credit scores below a certain threshold. American Insurance:
a. has violated the Fair and Accurate Reporting Transactions Act.
b. has committed a willful violation of the Fair Credit Reporting Act.
c. has committed a willful violation of the Fair Debt Collection Practices Act.
d. has violated no law.
in addition to his salary, roberto, the chief executive officer of a multinational company, has access to company cars for personal use. his membership at golden sands country club, one of the most exclusive country clubs in england, is paid for by his company. in the given scenario, the membership to the club and access to company cars are that roberto receives from his company. a. intrinsic rewards b. remittances c. free riders d. perquisites
In the given scenario, the membership to the club and access to company cars are perquisites that roberto receives from his company.
Profits given to an employee in addition to their base pay are known as perquisites. Profits given to an employee in addition to their base pay are known as perquisites. A basic example of a perk in a wage is lodging provided by the employer.
A company, often known as a co, is a formal designation for a group of individuals with a certain goal. These individuals may be natural, legal, or a combination of the two. Company members work together with a single goal to accomplish something specific. There are numerous types of companies. A company can be established as a legal entity with limited liability as long as its members fulfil or fail to fulfil their obligations in accordance with the publicly proclaimed incorporation or published policy. If a business closes, it might need to be liquidated in order to discharge all outstanding debts.
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