A combination annuity kind of product is most suitable for the customer.
What is a combination annuity?A fixed annuity contract and a variable annuity contract that are both included in the same annuity product make up a hybrid annuity. Because of the way it is constructed, a percentage of an investor's funds can go into the variable portion, which is a mutual fund sub-account.Combination annuities combine the advantages of fixed and variable annuities into a single plan. The insurance company invests a portion of the premiums in its general account and a portion in separate accounts. The annuitant will receive payments that are split between guaranteed and equity return components (providing an inflation hedge).Therefore, a combination annuity kind of product is most suitable for the customer.
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when using the automatic mileage method, which of the following expenses, if any, also can be claimed? a.engine tune-up. b.parking. c.interest on automobile loan. d.macrs depreciation.
When using the automatic mileage method, the expenses, that can be claimed is b.parking.
What are expenses?
Expenses can be described as the cos which can be seen as the operational cost that is paid to earn business revenues.
It should be noted that this expenses are the outflow of cash in return for goods or services which is needed in the company so that they can also make profit, in conclusion one of the expenses that can be claimed from the question is parking.
Therefore, option B is correct.
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natalie's company has its headquarters in chicago and three areas of the world -- the far east, latin america, and europe. her company is an example of the blank area structure. multiple choice question. local worldwide product localization
It expands our economic research using better data and provides fresh perspectives on how businesses and nations interact in the web of flows.
It made sense for Meredith to organize the firm into three divisions when she first started her company.It made sense for Meredith to structure her business into three divisions when she first started it: manufacturing, marketing, and transportation. She believes it will be preferable to reorganize the company now that it has expanded so that each division is in charge of a separate line of business.
What three resources may a business utilize to attain economies of scale?purchasing (buying in bulk through long-term contracts), managerial (specializing managers), financial (obtaining lower interest rates when borrowing from banks and having access to a wider choice of financial instruments), and marketing (spreading) are common sources of economies of scale.
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which of the following combinations will result in a bond with the greatest price volatility? a) low coupon and long maturity b) high coupon and short maturity
The combinations will result in a bond with the greatest price volatility is Low coupon and long maturity.
A commodity's price changes are referred to as "price volatility." The daily percentage difference in the commodity price is used to gauge volatility. A volatile market is one that exhibits a high degree of volatility rather than high prices. Price is a function of supply and demand, so volatility must be a result of the market's underlying supply and demand dynamics. High levels of volatility therefore reflect unusual characteristics of supply and/or demand.
Natural gas, electricity, and heating oil prices are among the most variable of all prices for commodity. When the price of natural gas or other fuels fluctuates, many consumers have very limited options for substituting them, which contributes to the erratic nature of energy prices.
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Your business paid $10,000 for a one year retainer to a law firm. How much should be expensed via worksheet adjustments each month?.
The business must spend $833.33 through the worksheet adjustments each month.
What are the worksheet adjustments each month?Worksheet adjustments are changes made to accounting to correct errors, incomplete information, or inconsistencies in a business. These adjustments may include adjustments to assets, liabilities, equity, income and expenses.
Adjustments are made in the worksheet to ensure that the financial statements accurately reflect the financial situation of the business. Adjustments are made at the beginning of the month to ensure that the information on the worksheet is correct.
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Fill in the blank. Effective segmentation identifies where your customers are in the ___________, and assists your customers in taking the appropriate next step in their___________.
Effective segmentation identifies where your customers are in the buyer’s journey, and assists your customers in taking the appropriate next step in their individual customer journey.
Segmentation recognizes that different human beings and groups have distinct wishes. hit entrepreneurs use segmentation to figure out which corporations (or segments) in the market are a satisfactory match for the products they offer. these companies represent their target market.
An advertising and marketing segmentation method allows deciding which customers you may build relationships with, how to group them, and what advertising and marketing movements to take to great reach your goal market. growing a customized experience catered to customers lead to higher purchaser retention quotes and greater centered advertising and marketing campaigns.
goal marketplace segmentation primarily based on demographics may be one of the best methods to target particular customers. The cause for that is that you can find the demographics of your target market effortlessly. segmentation strategy is a scoping decision that facilitates cognizance of early efforts of an enterprise at the client opportunities maximum in all likelihood to generate success.
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the interest rate on debt is 9%, the required return on equity is 12%, the tax rate is 33.3%. the company is 1/3 debt financed. the unlevered cost of equity is:
The unlevered cost of equity will be 11.25%. Debt is financed in proportion of 1/3 i.e., 33.3% which means Equity is remaining financed of 66.7%
Calculating Unlevered Cost of Equity:-
Levered cost of equity = Unlevered cost of equity + [(Unlevered cost of equity - Cost of Debt)*(1- Tax Rate)*(Debt/Equity)]
12% = Unlevered cost of equity + [(Unlevered cost of equity - 9%)*(1-0.333)*(0.333/0.667)]
12% = Unlevered cost of equity + [(Unlevered cost of equity - 9%)*0.333
12% = Unlevered cost of equity + 0.333*Unlevered cost of equity - 2.997%
14.997% = 1.333*Unlevered cost of equity
Unlevered cost of equity = 11.25%
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what recent trend has been embraced by businesses as an alternative to offset the fees associated with allowing purchases on credit? multiple choice question. allowing trial purchases putting customers on a payment plan accepting mobile payments accepting cryptocurrency for routine purchases
The trend been embraced by businesses as an alternative to offset the fees associated with allowing purchases on credit is by putting customers on a payment plan.
What are Credit purchase?Basically, a credit purchase or purchasing something on credit means to purchase something you receive today that you will pay for later. For instance, when you swipe a credit card, the financial institution pays for the goods or services up front, then collects the funds from you later.
By putting customers on a payment plan allows periodic payment of the credit at the comfort of debtors. Therefore, the Option B is correct.
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when edward finds out that his organization, which is struggling financially, is contemplating the implementation of a new enterprise system, it worries him. does edward have any valid reason to be concerned?
Edward is alarmed to learn that his organization, which is having financial trouble, is thinking about implementing a new business system. a good reason to be worried yes, because problems with an enterprise system implementation can be expensive to fix.
ERP implementation is challenging since it involves a complicated procedure and has an impact on the entire company. By making room for automation in place of manual operations, it causes a paradigm shift in how working mechanisms operate.
Poor planning, poor resource management, and a lack of risk awareness are the main causes of ERP installation failure. This failure can occur on a number of levels, including crucial business operations that can overwhelm a technical team's capacity to successfully manage risks and change.
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bert reed owns a junior secured bond of a firm that has entered bankruptcy proceedings. mia tano owns a senior unsecured bond of the same firm. as a result of the bankruptcy, reed and tano each recover 80% of the interest and principal owed on their bonds. this outcome is least likely the result of:
The pari passu ranking of these creditors.
Secured creditors have priority of claims over unsecured creditors in a bankruptcy, rather than ranking pari passu with unsecured creditors.
A secured creditor is a creditor who has a security interest in some or all of the debtor's assets.
What's the distinction between a secured and an unsecured creditor?
The secured creditor has first priority in collecting debts from the property on which it has a lien. The unsecured creditor receives no such protection; voluntary repayment from the debtor is the best method of repayment.
However, claim priority may not always be followed, either because creditors have agreed to a different outcome or because a bankruptcy court has ordered one.
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if an american water company $1,000 par value bond has a coupon rate of 9.0 percent and is selling for $920, then the yield to maturity must be: greater than 9% equal to 9% less than 9% zero cannot be determined
If an American water company's $1,000 par value bond has a coupon rate of 9 percent and is selling for $920, then the yield to maturity must be greater than 9%.
To determine the bond's value, add the present value of the interest payments to the present value of the principal received at maturity. To calculate the present value of interest payments, multiply the amount by the number of equal payments made over time.
A bond is a type of debt security that pays a fixed rate of interest until it matures. When a bond matures, the bond's principal amount is returned to the bondholder. Bonds are issued by governments to raise funds for public projects such as roads and bridges. Corporations issue bonds to raise funds for business expansion.
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opening story - in addi on to popula on growth, economic development is increasing resource consump on in china. which do you think plays a bigger role in achieving sustainability: popula on growth or economic development?
Affluence (in the form of economic progress) is not necessarily advantageous to environmental sustainability, as was mentioned in the Opening Story. However, resource use is directly impacted by population expansion, which has detrimental effects on the ecosystem. Thus, ensuring sustainability depends more on economic development.
What is Economic Development?Programs, policies, or initiatives aimed at enhancing a community's economic health and quality of life are known as economic development initiatives. Your definition of "economic development" will vary depending on the neighborhood you are in. There are opportunities, problems, and unique to each community.
The word "economic development" is frequently linked to ideas like industrialization and modernization, whose fundamental principles include advancement.
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Consider a company that manufactures automobiles. Which of the following costs would be considered a direct cost?
1. Salary of production supervisor
2. Wages of factory maintenance worker
3. Salary of the accounting manager
4. Wages of assembly line workers
The wages of assembly line workers are the correct answer.
Salaried staff is sometimes paid a similar quantity each pay period, supported by their total wages. Associate in Nursing hourly worker, on the opposite hand, earns a group payment for every hour they work. For example, if they earn $20 per hour and work eight hours during a day, they'd earn $160 for that day (before taxes).
Salary and wages are each accustomed visits the cash paid to somebody often for the work they do. skilled individuals corresponding to academics are usually paid a salary. Their salary is the total amount of cash that they're paid each year, though this is paid in twelve parts, one every month. Wages include, however, don't seem to be restricted to Salaries, hourly pay, piece rate, or payments by the job. Commissions and bonuses.Overtime and vacation pay.
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mucho tacos, inc., sells franchises. mucho tacos imposes on its franchisees standards of operation and personnel training methods. what is the potential pitfall to mucho tacos if it exercises too much control over its franchisees?
Respondeat Superior is a potential pitfall to mucho tacos if it exercises too much control over its franchisees.
According to Respondeat Superior, a franchisor is more liable for the actions of its staff the more control they have over its franchisees. So, Mucho Tacos can be held accountable if an employee behaves unethically or commits a crime. There are undoubtedly benefits and drawbacks to controlling franchisees.
A franchisee's employees may commit crimes if their employer has too much control over them, according to the respondeat superior doctrine. That is if the franchisor has the power to significantly influence the franchisee's business operations and exercises that power, and if an employee working under that control engages in illegal or tortious behavior that causes harm to another, the franchisor may be held vicariously accountable.
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your pricing strategy should allow for a good margin while addressing target segment pricing. which of the following would be an appropriate pricing strategy?
Charging a higher price if the features meet the demands of the target segment is an appropriate pricing strategy.
What is Margin?The profit made in business after deducting costs is referred to as a margin and is expressed as a percentage. Margin is the money an investor deposits with a broker when borrowing funds to purchase an asset in the stock market.
Margin is the money an investor borrows from a broker to purchase an investment in a trading context. It stands for the difference between the loan's value and the investment's worth. Investors may use a margin account, a type of brokerage account.
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patrick recommends that julia implement culture change by utilizing which of the following?
a. rites
b. symbols
c. ceremonies
d. formal statements
Patrick recommends that Julia implement culture change by utilizing formal statements.
Culture is a general term that encompasses the knowledge, beliefs, arts, laws, customs, skills, and habits of these groups as well as the social behaviors, institutions, and norms of human society.
Cultures often originate from or are attributed to a particular region or place. Culture can be defined as any way of life, including the arts, beliefs, and population institutions passed down from generation to generation. Theculture has been described as "a way of life for the whole society". Thus, it includes codes of conduct, dress, language, religion, ceremonies, and art.Learn more about the culture here: https://brainly.com/question/25010777
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the city of riverside levied property taxes in the amount of $20,000,000. the taxes were levied july 1, 2019 for the fiscal year ended june 30, 2020. during the year ended june 30, 2020, $17,800,000 in property taxes were collected from this levy. it is estimated that $940,000 will be collected during the next 60 days, $1,050,000 will be collected more than 60 days after june 30, 2020, and $210,000 will never be collected. when preparing the general fund financial statements, how much property tax revenue should be recognized from this levy for the year ended june 30, 2020? a. $18,550,000. b. $18,740,000. c. $19,790,000. d. $20,000,000.
The property tax revenue be recognized from the levy for the year ended june 30,2020 is $ 18,740,000.
Tax revenue :Tax revenue is defined as the earnings collected from levies on revenue and gains, social security benefactions, taxes levied on goods and services, payroll taxes, levies on the proprietorship and transfer of property, and different taxes.The maturity of this revenue is used to pay for government conditioning( employee payments, structure conservation), as well as to pay for goods and services handed to United States citizens and enterprises.
Simplifying the tax revenue :Revenue recognised in year ended june 2020 = Amount already collected + Receivable in next 2 months (or 60 days)
= 17,800,000 + 940,000
= 18,740,000
The property tax revenue be recognized from his levy for the year ended june 30 , 2020 is $ 18,740,000.
Why is tax revenue significant?
Taxes are the immediate source of revenue for utmost governments. Among other effects, this money is expended to enhance and conserve public structure, involving the roads we travel on, and fund public services, similar as schools, crisis services, and well-being programs.
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the u.s. department of education put out a contract for 250,000 smartboards and the contract stated that preference would be given to bids that declared at least 51 percent of the materials by value in the smartboards were produced in the united states. which legislative act is this stipulation based on?
The stipulation is based on the American Recovery and Reinvestment Act.
What is stipulation?
A stipulation is indeed a formal legal acknowledgment as well as agreement reached between opposing parties prior to a hearing or trial under American law. For instance, both parties might agree on certain facts, avoiding the need for a courtroom debate. The stipulation is presented to a judge after it has been signed. The phrase can also refer to the a special rule inside a professional wrestling match that can make the loser take a specific action, like retiring, or to any other modification to the match type's fundamental rules. The word is a translation of the Latin word for straw, stipula. The custom in Ancient Rome was for the parties to an agreement to break a straw as a symbol of their understanding and to record the terms of the agreement in writing (stipulationes).
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what type of economies tend to produce higher wealth levels because they enable more efficient allocation of resources to promote sustainable, long-term economic growth? group of answer choices command market-oriented centrally planned none of the options
Because they allow for more effective resource allocation to foster long-term, sustainable economic growth, "centrally planned" economies typically create higher wealth levels.
Define the term Centrally Planned Economy?The centrally planned economy, commonly referred to as a command economy, is a form of capitalism where decisions about the production and consumption of goods are made by the government.
Market economies, from which these decisions are the consequence of hundreds of choices made by producers and consumers, are different from centrally planned economies.Although individual businesses may occasionally be brought into economic planning, state-owned corporations produce goods and services throughout planned economies frequently. In most cases, a centralized bureaucracy determines the costs, salaries, and production schedules. Important economic choices in a planned economy are made by a number of political as well as administrative organizations. Typically, this entails local administrators informing central authorities of their capabilities and requirements, and the latter using that information to draft a national economic plan.As a result of their ability to allocate resources more effectively to foster long-term, sustainable economic growth, "centrally planned" economies typically produce higher levels of wealth.
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nonprice changes in consumption, investment, government spending, or net exports: multiple choice do not affect aggregate demand. decrease inflation and increase gdp. cause a movement along the aggregate demand curve. shift the aggregate demand curve.
Non price changes in consumption, investment, government spending, or net exports: shift the aggregate demand curve.
What is demand curve?The demand curve is a graphical representation of the relationship between the price of a good or service and the volume demanded for a given period of time. In a typical representation, the price will appear on the left perpendicular axis, the volume demanded on the vertical axis.
Why is the demand curve important?The demand curve can be an important tool when concerns make pricing opinions. This is because the demand wind can show the price point where the consumer responsiveness drops and which price point elicits the loftiest demand.
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woodbine millworks is frustrated with the lobbyists who are currently trying to influence congress to raise taxes for all corporations in the wood products industry. in the environment of woodbine millworks, these lobbyists are an example of
in the environment of woodbine millworks, these lobbyists are an example of uncontrollable forces
The details that have an impact on the product but that a corporation is powerless to change are the uncontrollable risk factors. These factors include the environment, rival decisions, and even the weather.
The external factors affecting an organization's performance that are out of its and its marketers' complete control are known as uncontrollable factors. Any marketing strategy must constantly monitor them and take into account their results.
These include, for example, the changing requirements and preferences of consumers (social), technological advancements, the implementation of new regulations by the government (regulatory), the state of the economy (economic), and the entry of a rival into the market (competition).
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question content area the amount of federal income taxes withheld from an employee's gross pay is recorded as a(n) a.asset b.liability c.payroll expense d.contra account
The amount of federal income taxes withheld from an employee's gross pay is recorded as a liability (option b).
What is federal income tax?The federal income tax is a tax levied by the United States government on the annual earnings of individuals and corporations. The income tax is imposed on both earned income (wages, salaries, tips, commissions) and unearned income (interest, dividends, and capital gains). The federal income tax is progressive, meaning that taxpayers with higher incomes pay higher tax rates than taxpayers with lower incomes. The tax rate for each income bracket is set by Congress and can be changed at any time.
The liability in this case is the tax liability, and it is described as the money in the form of tax that is owed by the tax authorities. Furthermore, it is also described as the money that is deposited as tax to the government authority.
It can be concluded that the amount of federal income taxes withheld from an employee's gross pay is recorded as a liability (option b).
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companies rarely sell one product, but offer a
companies rarely sell one product but offer a Blank 1: product
, Blank 2: mix or line.
the company, abbreviated as co., is a legal entity representing the associate association of people, whether natural, legal or a combination of both, with a particular objective. Company members share a typical purpose and unite to realize specific, declared goals. corporations take numerous forms.
such as A company being created as a legal person in order that the corporate itself has limited liability as members perform or fail to discharge their duty consistent with the publically declared incorporation, or printed policy. once an organization closes, it should be liquidated to avoid more legal obligations.
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Using a loan could help with the purchase of which of the following?a) A new televisionb) A dream weddingc) A housed) Airline tickets to your dream vacation
Using a personal loan could help with the purchase of A house .Option C is correct .
What does the term "personal loan" mean?
When someone borrows money for a personal need, such as investing in a business, it is referred to as a personal loan (also known as a consumer loan).
What is an example of a personal loan?
A personal loan is a sum of money that you can borrow and use for a number of things. For instance, you may utilize a personal loan to pay off debt, finance home improvements, or finance your ideal wedding. Online lenders, credit unions, and banks can all provide personal loans.Learn more about personal loan
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Consider a situation in which a coffee chain opens across the street from a locally owned cafe. Theoretically, the prices at both stores should be similar because the costs and customer demand will be similar. However, because the coffee chain can rely on corporate backing for support, it makes the decision to radically lower prices, attracting more customers to its facility and eventually driving the competition out of business. This scenario illustrates which ethical issue in pricing?.
This scenario illustrates Penetration Pricing ethical issue in pricing .
Penetration Pricing is the strategy to drive out the competition by lowering the price.
What does the term "penetration price" mean?
Using a lower price during the initial offering of a new product or service, firms utilize penetration pricing as a marketing approach to draw clients to the new offering. A new product or service can more easily enter the market and draw clients away from rivals thanks to a reduced price.What are some examples of penetration pricing?
When you walk into a grocery store, you frequently see advertisements for introductory sales on certain fresh items, which are ideal examples of penetration pricing. In order to boost demand for their organic products, Costco and Kroger apply penetration pricing to those items.Learn more about Penetration Pricing
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i. aligning risk appetite and strategy ii. enhancing risk response decisions iii. reducing operational surprises and losses iv. identifying and managing multiple and cross-enterprise risks the above are all key components of:
Aligning risk appetite, enhancing risk response, reducing operational losses, and identifying multiple cross-enterprise risks are key components of Enterprise risk management (ERM).
Enterprise risk management is a firm-wide strategy helping in assessing and controlling hazardous risk with a company's finances, operations, and objectives. It advises managers to shape the whole firm as risk resistant by encouraging certain activities favoring in firm's goals and disengaging from risk factor activities. This management is working for all units of a firm making the risk plan of action from top officials to local assessment on the ground which requires coordination between different units along with aligning risk strategy, reducing operational surprises, and managing cross-enterprise risk harming the firm.
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which item may a customer reuse at a self-service area
you may re-serve only unopened, prepackaged food in good condition.
What item may Customer reuse at a self serve area?In general, you may only re-serve food that has not been opened and is still in acceptable condition.Bottles of ketchup, mustard, and other condiments may also be used again.Sneeze guards should extend 14" above the counter and 7" beyond the food.Post self-serve guidelines like "Do not reuse dishes and utensils" on the wall.Only unopened prepackaged food can typically be re-served.This contains bottles of ketchup and mustard, wrapped crackers or breadsticks, and condiment packets.When customers serve themselves, there is a risk of cross-contamination.They may do this by using previously used, dirty utensils or refilling soiled plates.They may also put their heads under the sneeze guard while reaching for food or pick it up with their bare hands.Contamination must be prevented in self-service areas.To learn more about self-service areas. refer,
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to avoid errors in writing, what precautions should be taken with every business communication?
To avoid errors in writing, the precautions that should be taken with every business communication are pay particular attention to the spelling of people's names and titles, watch for auto-correct errors.
In a business communication or document, highly measured precautions are to be taken when a contract or any other document is being made because a little fault can lead to a diverse loss in the business.
One should always ensure that the name of every party in business communication is written correctly. Double-check the spelling of every name that is involved in business communication.
Also, for online documents, one always has to recheck the document twice due to auto-correct errors.
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you are considering an investment in a municipal bond that has a yield of 4%. your tax rate is 25%. what is your taxable equivalent yield?
A 4% yielding municipal bond might be an investment to think about. 6.66% is our taxable equivalent yield if your tax rate is 25%.
Taxable equivalent yield = YTM / (1-Tax Rate)
= 5% / (1 - 0.25)
= 5% /0.75
= 6.66%
The yield on a comparable tax-exempt bond, such as a municipal bond, that a taxable bond would have to offer in order to match that yield is known as the tax-equivalent yield.
Investors can use the computation to contrast the returns of tax-free investments versus alternatives that are subject to taxes.
Tax ramifications are generally a complex, significant, and much ignored component of any financial strategy.
Tax ramifications are generally a complex, significant, and much ignored component of any financial strategy. Investors, especially those in higher tax bands, can benefit from the tax-equivalent yield computation. The yield on a bond that would be taxed is known as the tax-equivalent yield.
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long island city issued $4 million of bonds to fund the construction of a new city office building. the bonds have a stated rate of interest of 5% and were sold at 102. which of the following entries should be made in the capital projects fund to record this event? debit cash $4.02 million; credit bonds payable $4 million and premium on bonds payable $.02 million. debit cash $2.08 million; credit other financing sources - proceeds ($4 million to face value and $20k to bond premium) . debit cash $4.08 million; credit other financing sources - proceeds ($4 million to face value and $80k to bond premium) . debit cash $2.02 million; credit other financing sources - proceeds ( $2 million to face value and $20k to bond premium) .
The entity that should be made in the capital projects fund to record this event is debit the cash $2.02 million; credit the other financing sources $2.02 million.
What is a capital project?A capital project is a lengthy, money-intensive expenditure made to increase, supplement, or improve a capital asset. Compared to other investments that require less planning and resources, capital projects are distinguished by their size and high cost. A major undertaking with a high cost that is capitalized or depreciated is referred to as a capital project. Accelerating growth within a corporation or government may require ongoing capital investments, such as new facilities, buildings, or systems. To boost productivity on the production floor, for instance, a corporation can decide to build a larger warehouse or buy new manufacturing equipment. Because they demand a considerable time and resource commitment from the organization, capital projects must be managed properly. The project takes a calculated risk in the hopes that the capital asset would be profitable.
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which of the following are reasons producers need order getters? (check all that apply.) multiple select question. establishing and building channel relationships completing transactions with existing customers discovering new opportunities locating new prospects opening new accounts
Establishing and building channel relationships are reasons producers need order getters.
Why do area managers receive a bad rap for being order takers?
Account managers, territory managers, client relationship managers, and business development managers are order-getters, on the other side. because they proactively work to establish a relationship and address clients' issues.
Order takers are self-assured and proactive, searching and listening for solutions to the client's problems rather than collecting orders. They create trust with the client by asking the right questions, then offer solutions that would suit their requirements before reeling them in.
A sales team member tasked with generating leads and convincing consumers to buy is known as an order getter. These salespeople look for new clients, make contact with potential leads, and employ various persuasion strategies to persuade prospects to purchase things.
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