Installment credit versus revolving credit
increased interest rates can be more difficult to qualify for
Only the amount drawn by borrowers is subject to interest. Fixed number of payments over a predetermined time period that include interest
Define revolving credit?An arrangement known as revolving credit allows the account holder to repeatedly borrow money up to a predetermined dollar limit while paying a portion of the outstanding balance through regular payments. Each payment replenishes the amount the account holder has access to, less any applicable interest and fees.
What is the name of the dollar-based cost of consumer credit?APR stands for annual percentage rate, which is how much credit will cost you in percentage terms; finance charge is how much credit will cost you in dollars (this is the total amount of interest and certain fees you will pay over the life of the loan if you make every payment when due).
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what happens if a country produces a combination of goods that efficiently uses all of the resources available in the economy?
If a country produces a combination of goods that efficiently uses all of the resources available in the economy then The country is operating on its production possibilities frontier.
The production possibilities frontier is curved which depicts all maximum output possibilities and has combination of goods.
What does "production possibility frontier" refer to?
The graph known as the Production Possibilities Frontier (PPF) illustrates all the possible output combinations of two items that can be created with the resources and technologies currently in use.
Give an example of the production possibilities frontier.
The trade-off between manufacturing one good vs another is gauged by the production possibilities curve. Consider a scenario in which a country produces 120,000 apples and 20,000 oranges. That is the point B on the diagram. It must produce fewer apples if it wants to generate more oranges.
Complete question :
What happens if a country produces a combination of goods that efficiently uses all of the resources available in the economy?
A. The country has eliminated scarcity.
B. The country is operating on its production possibilities frontier.
C. The country is maximizing its opportunity cost.
D. All of the above occur if a country uses all available resources.
Quantity
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Marissa is going back to work after taking 10 years off to raise her children. She is starting her job search process and is trying to write a new résumé so that she can apply to jobs. What résumé format should Marissa use?
Looking at the information, the résumé format that Marissa should use is the functional one.
What is a Functional Résumé?It is one of the most used curriculum structures by candidates who want to reach a vacancy in the job market. This format must contain the main information about the candidate's academic and professional profile and objectives.
To be effective, the functional resume must be concise and objective, containing the most relevant information for the employer, such as your work history, your main skills and personal information, such as name, phone and email.
Therefore, in order to stand out in a competitive job market, it is essential that the candidate develops a functional resume aligned with the position they want to apply for, with a clear and easily understandable structure of their skills and professional experiences.
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What is the budget of 20.5 trillion
Answer:
The record 20.5 trillion naira ($47.3 billion) proposed expenditure “reflects the serious challenges” faced by Nigeria and contains “key reforms necessary to address them,” Buhari told lawmakers when presenting the budget in the capital city of Abuja on Friday.
Service revenues does not include $52000 of services rendered on an account because a collections will not be until 2022 expenses does not include $2,600,000 of expenses on the account because payments will not be made until 2022
$52000 of services rendered on an account and expenses do not include $2,600,000 of expenses on the account is not added account because the company follows a cash-based accounting system.
Who uses cash-based accounting?There are two types of financial reporting: cash accounting and accrual accounting. Cash accounting is used by individuals, small firms, and sole proprietorships to track earnings and outlays when money is exchanged.
With cash basis accounting, revenue is reported as soon as it is actually received, and expenses are reported as soon as they are paid. Accounts payable and receivable are not recognized or tracked in cash accounting.
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Please anwser asappp
While preparing a bank reconciliation, an accountant notices a check that has
been returned unpaid. This type of transaction should be_________
O A. subtracted from the bank balance
O B. added to the book balance
OC. added to the bank balance
OD. subtracted from the book balance
Answer: A. subtracted from the book balance.
When preparing a bank reconciliation and noticing a check that has been returned unpaid, the transaction should be subtracted from the book balance.
What use does reconciling your financial accounts serve?Bank reconciliations are a vital internal control tool for fraud prevention and detection. They also aid in spotting accounting and banking issues by outlining the differences between the cash balances in the accounting record and the bank balance position as stated in the bank statement.
What are the three ways to reconcile a bank account?The three approaches to a bank reconciliation are:
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Question 4 of 20
Which of the following describes the Railway Labor Act of 1926?
OA. Removed barriers on workers to organizing labor unions and
enacting strikes
B. Enacted laws to prevent union leaders from misusing union
members' dues and fees
OC. Established the rights of most workers to take part in collective
bargaining
OD. Guaranteed the rights of workers to organize unions in the
transportation industry
SUBMIT
Removed barriers on workers to organizing labor unions and enacting strikes of the following describes the Railway Labor Act of 1926..
The correct option is A.
What is labour law ?Labor law is a broad field of law that regulates issues including employment, compensation, working conditions, trade unions, and labour relations. The phrase encompasses both social security and disability insurance in its broadest sense.
How are workers and employers protected by labour laws?The goals of labour law include redressing the power disparity between employees and employers, preventing wrongful termination of employees, establishing and maintaining procedures that acknowledge employees as "equal" stakeholders in discussions about working conditions, etc.
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how come when i look for answers there always wrong
Answer: some people are rude
Explanation: some people just want easy points
The equity sections for Atticus Group at the beginning of the year (January 1) and end of the year (December 31) follow. Stockholders’ Equity (January 1) Common stock—$5 par value, 100,000 shares authorized, 40,000 shares issued and outstanding $ 200,000 Paid-in capital in excess of par value, common stock 160,000 Retained earnings 360,000 Total stockholders’ equity $ 720,000 Stockholders’ Equity (December 31) Common stock—$5 par value, 100,000 shares authorized, 47,000 shares issued, 5,000 shares in treasury $ 235,000 Paid-in capital in excess of par value, common stock 209,000 Retained earnings ($60,000 restricted by treasury stock) 400,000 844,000 Less cost of treasury stock (60,000) Total stockholders’ equity $ 784,000 The following transactions and events affected its equity during the year. January 5 Declared a $0.50 per share cash dividend, date of record January 10. March 20 Purchased treasury stock for cash. April 5 Declared a $0.50 per share cash dividend, date of record April 10. July 5 Declared a $0.50 per share cash dividend, date of record July 10. July 31 Declared a 20% stock dividend when the stock’s market value was $12 per share. August 14 Issued the stock dividend that was declared on July 31. October 5 Declared a $0.50 per share cash dividend, date of record October 10. 3.
What is the amount of retained earnings transferred to paid-in capital accounts (capitalized) for the stock dividend?
What is the per share cost of the treasury stock purchased? (Round your answer to 2 decimal places.)
How much net income did the company earn this year?
A) The amount of retained earnings transferred to paid-in capital accounts (capitalized) for the stock dividend is $28,000.
B) The per-share cost of the treasury stock purchased is $5.
C) The net income that Atticus Group earned this year was $132,800.
What is the net income?The net income is the income before the deduction of dividends.
After deducting dividends from the net income, the difference is the income retained for the year, which is added to the beginning retained earnings to obtain the ending retained earnings balance.
Stockholders’ Equity (January 1)
Common stock—$5 par value, 100,000 shares authorized,
40,000 shares issued and outstanding $ 200,000
Paid-in capital in excess of par value, common stock 160,000
Retained earnings 360,000
Total stockholders’ equity $ 720,000
Stockholders’ Equity (December 31)
Common stock—$5 par value, 100,000 shares authorized,
47,000 shares issued, 5,000 shares in treasury $ 235,000
Paid-in capital in excess of par value, common stock 209,000
Retained earnings ($60,000 restricted by treasury stock) 400,000
Total 844,000
Less cost of treasury stock (60,000)
Total stockholders’ equity $ 784,000
Retained Earnings:January 1 Retained earnings ($360,000)
January 5 Cash Dividend 20,000
April 5 Cash Dividend 14,000
July 5 Cash Dividend 14,000
August 14 Stock Dividend 28,000
October 5 Cash Dividend 16,800
December 31 Balance 400,000
Net income = $132,800
Common Stock Shares:
January 1 = 40,000
Treasury stock (12,000)
Stock dividend 5,600 (20% of 28,000)
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The primary purpose for any reengineering is to make an organization compliant with changes in its external environment.
Group of answer choices
False
True
Answer:
This statement is false.
Reengineering deals with the radical redesign of existing processes to improve the quality, efficiency, reliability, and productivity of the process. Reengineering focuses on reducing the cost incurred by various processes.
TQM (total quality management) deals with the implementation of incremental changes in an organization.
Bond prices and yields Assume that the Financial Management Corporation's $ 1,000 -par-value bond has a 5.600% coupon, matures on May 15, 2027, has a current price quote of 95.873 and a yield to maturity (YTM) of 6.417 % . Given this information, answer the following questions: a. What was the dollar price of the bond? b. What is the bond's current yield? c. Is the bond selling at par, at a discount, or at a premium? Why? d. Compare the bond's current yield calculated in part b to its YTM and explain why they differ.
Bond's price = $958.73
Current Yield = 5.841%
a. The bond's price can be calculated by multiplying its current price quote by its par value:
Price = 95.873% * $1,000
Bond's price = $958.73
b. A bond's current yield is calculated by dividing its annual coupon by its current price. If the bond has an annual coupon of 5.600%,
then
5.600% * $1,000 = $56.00
and
a price of $958.73,
the current yield is as follows:
Current Yield = [tex]\frac{56.00}{958.73}[/tex]
= 0.05841
Current Yield = 5.841%
c. The bond is selling at a discount because its price is less than its par value. When the coupon rate on a bond is lower than the yield to maturity, the bond sells at a discount. In this case, the bond offers a lower interest rate than other bonds in the market, so its price falls in order to attract investors.
d. The bond's current yield is 5.841%, and its yield to maturity is 6.417%. They differ in that each focuses on a different aspect and is calculated in a different manner. The current yield on a bond represents the return that a bondholder receives after holding the bond for one year. The yield to maturity, on the other hand, is the rate of return that an investor receives if he or she holds the bond until its maturity date. Current yield calculation does not take into account the par value of the bond received at maturity, whereas yield to maturity calculation does.
Bond's price = $958.73
Current Yield = 5.841%
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Which option can be considered NOT preparing for a financial emergency?
Answer: carrying high balances on credit card
Explanation:
Answer:
a new dress
Explanation:
What is a talent in the work place talent management
Answer:
Answer follws down here
Explanation:
Talent management seeks to attract, identify, develop, engage, retain and deploy individuals who are considered particularly valuable to an organisation. To be effective, it needs to align with strategic business objectives
Given the following:
Sales
Gross Profit
Net Income
2015
$400,000
-100, 000
$300,000
2016
$350,000
-130,000
$220,000
2017
$470,000
-140,000
$330,000
By trend analysis (base year is 2015), sales in 2017 to the nearest percent of the base year is:
117%
116%
118%
119%
None of these
By trend analysis (base year is 2015), sales in 2017 to the nearest percent of the base year is 117%.
Given,
2015
Sales = $400,000
Gross Profit = -100, 000
Net Income = $300,000
2016
Sales = $350,000
Gross Profit = -130,000
Net Income = $220,000
2017
Sales = $470,000
Gross Profit = -140,000
Net Income = $330,000
Percentage increase in sales from 2015 to 2017 = (sales in 2017 / sales in 2015) - 1
= ( $470,000 / $400,000)
= 1.175
= 117%
By trend analysis (base year is 2015), sales in 2017 to the nearest percent of the base year is 117%. So here, the trend analysis technique uses technical analysis which attempts to predict future stock price movements based on recently observed trend data.
Hence, option A is correct.
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Hayley recently invested $50,000 in a public utility stock paying a 3 percent annual dividend. (Hayley's marginal income tax rate is 32 percent.) Use Tax Rate Schedule, Dividends and Capital Gains Tax Rates for reference. Required: If Hayley reinvests the annual dividend she receives net of any taxes owed on the dividend, how much will her investment be worth in four years if the dividends paid are qualified dividends? What will her investment be worth in four years if the dividends are nonqualified?
If the dividends are unqualified, the investment will be $54,207
Ordinary dividends are classified as qualified and nonqualified. As per tax implications, the difference between qualified and nonqualified dividends is the tax rate at which these dividends are treated. Instead of the favorable rate for qualified, unqualified dividends are taxed at the individual's regular income tax rate. Thus, depending on whether a person got qualified or ordinary dividends, their tax rate will vary regardless of their tax level.
Nonqualified dividends are taxed at the marginal income rate, whereas qualified dividends are taxed at the capital tax rate. Unless one is in the 39.60% tax bracket, capital gains are taxed at 15% unless one is in the 20% tax bracket.
Qualified dividends after-tax return of 2.55% or 3% x (1-.15),
So, 50,000 x (1 + .0255)^4
= $55,298
Qualified dividends = $55,298
Nonqualified dividends after-tax return is 2.04% 3% x (1-.32)
So, 50,000 x (1 + .0204)^4 = $54,207
Nonqualified dividends = $54,207
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Whether a business makes a profit or loss is determined by the difference between the total amount of money a business takes in from sales, known as its , and the money needed to operate it, known as
Whether a business makes a profit or loss is determined by the difference between the total amount of money a business takes in, known as its revenue and the money needed to operate it known as its expenses.
What is revenue and expenses?Revenue can be defined as the money a person or an individual makes or money generated from the sales of goods and services.
On the other hand expenses or expenditure can be defined as the money spent after incurring cost or money spent to run a business.
Therefore Whether a business makes a profit or loss is determined by the difference between the total amount of money a business takes in, known as its revenue and the money needed to operate it known as its expenses.
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A study on driving speed (miles per hour) and fuel efficiency (miles per gallon) for midsize automobiles resulted in the following data: Click on the datafile logo to reference the data. Driving Speed 30 50 40 55 30 25 60 25 50 55 Fuel Efficiency 28 25 25 23 30 32 21 35 26 25 a. Which of the following is a scatter diagram with driving speed on the horizontal axis and fuel efficiency on the vertical axis? 1.
a) Graph 1 is the scatter diagram with driving speed on the horizontal axis and fuel efficiency on the vertical axis.
b) The impact of driving speed on fuel efficiency, based on the scatter diagram, shows an almost linear correlation. The scatter graph reveals that high driving speed reduces fuel efficiency.
However, an average driving speed is optimal for achieving high fuel efficiency.
What is a scatter diagram?A scatter diagram is a graph that plots two variables along the y and x axes.
From the pattern of the resulting points, a positive, negative, or null correlation may be revealed.
Driving Speed 30 50 40 55 30 25 60 25 50 55
Fuel Efficiency 28 25 25 23 30 32 21 35 26 25
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Windhoek Mines, Ltd., of Namibia, is contemplating the purchase of equipment to exploit a mineral deposit on land to which the company has mineral rights. An engineering and cost analysis has been made, and it is expected that the following cash flows would be associated with opening and operating a mine in the area:
Cost of new equipment and timbers $ 410,000
Working capital required $ 210,000
Annual net cash receipts $ 145,000 *
Cost to construct new roads in year three $ 62,000
Salvage value of equipment in four years $ 87,000
*Receipts from sales of ore, less out-of-pocket costs for salaries, utilities, insurance, and so forth.
The mineral deposit would be exhausted after four years of mining. At that point, the working capital would be released for reinvestment elsewhere. The company’s required rate of return is 18%.
Click here to view Exhibit 7B-1 and Exhibit 7B-2, to determine the appropriate discount factor(s) using tables.
Required:
a. What is the net present value of the proposed mining project?
b. Should the project be accepted?
a. The net present value of the proposed mining project is ($114,456).
b. No. The project should be rejected.
What is the net present value?The net present value is the difference between the present values of the project's cash outflows and the current values of its cash inflows.
Cash flows are discounted to obtain their present values.
When the present values of the cash inflows outweigh the current values of the cash outflows, the project is acceptable based on the NPV technique.
Required rate of return = 18%
Cash Flows PV Factor Present Values
Equipment and Timbers = $410,000 1 ($410,000)
Working capital required $ 210,000 1 (210,000)
New roads in year three $ 62,000 0.609 (37,758)
Annual net cash receipts $ 145,000 2.690 $390,050
Salvage value of
equipment in year 4 $87,000 0.516 44,892
Working capital required $ 210,000 0.516 108,360
Net present value ($114,456)
Thus, since the mining project produced a negative net present value, the project should not be accepted.
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The unemployment rate measures the:
a. quality of jobs.
b. number of discouraged workers.
c. number of underemployed workers.
d. share of the labor force that is unemployed.
Answer:
c
Explanation:
it is because the unemployment rate refers to rate of people who are not employed which means underemployment
Peter has been working as a marketing specialist since September of the previous year. He wants to file his income tax return for the year. Peter has until the 15th of which month to file his tax returns for the previous year? Peter has to fill out his income tax returns by the 15th of the month of , because this is the deadline for submitting federal income tax returns.
Peter has to fill out his income tax returns by the 15th of the month of April , because this is the deadline for submitting federal income tax returns.
What is meant by tax return?This is the term that is used to refer to the documentation and the information that the citizens of the United States would have to fill that would document the amount of income that they have earned as well as the expenses that they have made over a period as well as other relevant information.
This information would have to be filled by Peter before the 15th of April when it would approach its deadline.
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complete question
Peter has been working as a marketing specialist since September of the previous year. He wants to file his income tax return for the year. Peter has until the 15th of which month to file his tax returns for the previous year?
answer choices
January
February
March
April
Emma makes sure she knows all the details about the ethical
dilemma she's facing
by asking questions and talking to other people who are involved.
She is
Emma makes sure she knows all the details about the ethical dilemma. This consists of considering each person who is concerned with the stakeholders.
In philosophy, moral dilemmas, also referred to as ethical paradoxes or ethical dilemmas, are situations in which an agent stands beneath conflicting moral necessities and none of which overrides the alternative. An intently associated definition characterizes moral dilemmas as conditions in which each available desire is wrong.
An ethical situation takes vicinity in a decision-making context in which any of the to-be-had options requires the agent to violate or compromise on their moral standards.
The definition of a predicament is a state of affairs wherein there may be no clean smooth desire or answer. An example of a situation is whilst you only have two greater tickets to an event and three pals that want to move. a controversy necessitating a choice between equally adverse or unpleasant options.
A predicament is a tough situation in which you have to select among two or extra alternatives. He became faced with the quandary of whether or no longer to return.
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The republic of Bucolia has computed its CPI for three years using 2016 as the base year: A gallon of paint cost $15.00 in 2015. What does it cost in 2016 dollars
Its cost in 2016 in dollars is mathematically given as
x=$17.85
This is further explained below.
What is a CPI?Generally, A price index is defined as the price of a weighted average market basket of consumer goods and services that were bought by households.
A consumer price index is one kind of price index.
The Consumer Price Index (CPI) is used to measure price changes over time.
In conclusion,
[tex]&\mathrm{CPI}=\frac{\text { current price }}{\text { base price }} X 100 \\[/tex]
Therefore
[tex]&84=\frac{15}{x} \text { X } 100 \\[/tex]
x=$17.85
Therefore, the 2016 price for paint is $17.85
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Hello. I have a question for asenath3968. You published an answer to the question about Puddle Inc. ( Accounting) on 10/11/2021. I am trying to complete my assignment on this topic (this question) and I can't come up with a. The amount (Accounts Receivable) that customers owe Puddle Incorporated at the end of 2022 is $741 million. How did you calculate this amount if the beginning balance was $630.
This was the actual problem:
If Puddle Incorporated had total Accounts Receivable at the end of 2021 of $630 million and an allowance for uncollectible accounts of $17 million show the effect of the following in the accounting equation worksheet for 2022:
Sales on credit of $4,315 million during the year
Collection of accounts receivable of $4,190 million during the year
Write off of uncollectible accounts of $14 million during the year
An increase in the allowance for uncollectible accounts to 3% of total accounts receivable from customers
Required:
a. Calculate how much customers actually owe to Puddle at the end of 2022.
b. Calculate how much is estimated will not be collected by Puddle at the end of 2022.
c. State how much expenses increased due to the estimate of uncollectible accounts.
d. How much would Puddle show as the amount they actually plan to collect (Accounts Receivable, Net)
Answer:
a. Calculate how much customers actually owe to Puddle at the end of 2022.
Which of the following statements is (are) correct regarding a t-account?
a. A T-account will show the debit and credit affects of transactions.
b. A T-account represents a ledger account.
c. A T-account may be used as a tool to visualize the effects of a transaction.
d. A T-account reflects whether a transaction was posted correctly.
The statements that are correct regarding a T-account includes:
A T-account will show the debit or credit side of each transactionA T-account represents a ledger accountA T-account may be used as a tool to visualize the effects of transaction.What is known as T-account in accounting?In accounting, a T-account is an informal term that is used to describe the set of financial records that uses double-entry bookkeeping.
The description of the T-account is that a large letter T is drawn on a page and the title of the account is then entered just above the top horizontal line while the underneath debits are listed on the left and credits are recorded on the right.
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Why is it important to include a person’s title when developing a reference sheet?
Answer: We have someone to vouch for us. Some jobs will call and ask how their personality (employee) is and how hard working they're. They want someone to vouch for them.
Explanation:
a
paid rent for 2 years 24000 prepare adjusting entry
Rent received in advance is debited from the rent account.
Why does the adjustment entry credit the rent received in advance account and debit the rent account?
Receiving rent is considered income, and receiving rent in advance means receiving money before it has accrued.
Rent account has been credited at the time of receiving the rent, hence an adjustment entry must be made:
A/C Dr. received rent
To Received Advance Rent AC
Amount will be subtracted from the account for rent received and will be shown as a liability in the profit and loss account.
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Complete Question:
If the rent received in advance 2,000. The adjustment entry will be ________.
When the Fed conducts an open market sale of government bonds, what does it want to happen to bank lending as a result?
a. a decrease in bank lending to decrease the money supply
b. an increase in bank lending to increase the money supply
c. an increase in bank lending to decrease the money supply
d. a decrease in bank lending to increase the money supply
When the Fed conducts an open market sale of government bonds, this will cause an increase in bank lending to increase the money supply. Option B
This is further explained below.
What are government bonds?Generally, A financial obligation that is issued by a national government to finance government expenditure is referred to as a government bond, sovereign bond, or simply bond.
In most cases, it entails a promise to reimburse the principal amount on the maturity date and to make what is known as coupon payments, which are interest payments made at regular intervals.
In conclusion, the Federal Reserve performs a sale of government bonds on the open market, this will result in a rise in bank lending, which will result in an increase in the money supply.
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Which tax system would benefit you the most? Explain your response and refer to your specific career.
The tax system that would benefit one the most is a progressive tax.
Taxes assessed under a progressive system are based on the taxable amount of an individual's income. It is like pay as you earn, so high-income earners pay more than low-income earners. The overall outcome is that higher earners pay a higher percentage of taxes and more money in taxes than do lower-income earners.
What is a progressive tax?Progressive tax system is concerned with the taxable amount of an individual's income. The percentage rate increases at intervals as taxable income increases. Each amount the individual earns decides or puts him into a bracket or category, leading to a higher tax rate once the currency amount hits a new threshold.
Therefore, a low income earner will not be taxed beyond his capacity and low income earners will be able to pay whatever tax amount given.
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In a presentation, information that applies specifically to the audience is what?
A. return on investment
B. repetitive
C. rational
D. relevant
In a presentation, information that applies specifically to the audience is: D. relevant.
What is a speech?A speech can be defined as a type of literary nonfiction that is written about a particular subject and it is meant to be presented or delivered by a speaker to an audience (listeners).
This ultimately implies that, a speech is a formal and well thought out talk about a particular subject that is to be presented (delivered) by a speaker to an audience (listeners).
What is a presentation?A presentation can be defined as an act that involves the process through which a presenter speaks to an audience (listeners), so as to formally share and explain an idea, piece of work, subject matter (topic), product, or project, especially for the purpose of enlightenment or proffering a solution to a particular problem.
In conclusion, we can reasonably infer and logically deduce that relevant information refers to all of the information that applies specifically to the audience in a presentation.
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I need help!!! offering brain list
business license
hope this helps u, comment questions
Which land characteristics would increase the value of a residential block?
Select one:
A square block with different tiers
A rectangular block with a steep slope
A coastal block with a steep slope and water views
Land characteristics that would increase the value of a residential block are A coastal block with a steep slope and water views
Residential Blocks are defined as the residences built or to be built inside the Estate for private residential purposes, along with any auxiliary amenities in line with the stated lease, as well as certain Common Areas and Facilities. It refers to land where a person is permitted to build a home under local law.
With the demand for land to construct affordable housing continuing to climb, price hikes are mostly caused by a higher price per acre of residential land. Both a strong housing demand and a more stagnant housing supply contribute to the quick increase in house prices.
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