Calculate the amount of interest and, separately, principal paid on each mortgage. what is the difference in interest paid? b. calculates your monthly payments on the two mortgages. what is the difference in the monthly payment on the two mortgages are:
1.=370000*(1-20%) *(7.25%/12)/(1-1/(1+7.25%/12)^(12*15))*12*15-370000*(1-20%) =190373.343
2.=370000*(1-20%)*(8.25%/12)/(1-1/(1+8.25%/12)^(12*25))*12*25-370000*(1-20%)=404143.7196
3.=370000*(1-20%)*(8.25%/12)/(1-1/(1+8.25%/12)^(12*25))*12*25-370000*(1-20%)-(370000*(1-20%)*(7.25%/12)/(1-1/(1+7.25%/12)^(12*15))*12*15-370000*(1-20%))=213770.3766
4.=370000*(1-20%)*(7.25%/12)/(1-1/(1+7.25%/12)^(12*15))=2702.074128
5.=370000*(1-20%)*(8.25%/12)/(1-1/(1+8.25%/12)^(12*25))=2333.812399
6.=370000*(1-20%)*(7.25%/12)/(1-1/(1+7.25%/12)^(12*15))-370000*(1-20%)*(8.25%/12)/(1-1/(1+8.25%/12)^(12*25))=368.2617292
A loan price is commonly made of 4 components: principal, interest, taxes and insurance. The principal component is the quantity that can pay down your superb mortgage amount. Interest is the price of borrowing cash.
A loan is a settlement among you and a lender that offers the lender the proper to take your house in case you fail to pay off the cash you have borrowed plus interest. Mortgage loans are used to shop for a domestic or to borrow cash in opposition to the cost of a domestic you already own.
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long-run competitive equilibrium multiple choice is realized only in constant-cost industries. will never change once it is realized. is not economically efficient. results in zero economic profits.
Long run competitive equilibrium results in zero economic profits.
Perfect competition is a form of market where buyers having full knowledge of product and the firm is price taker.
Homogenous product is sold in the perfect competition.
Price is decided by the market forces of demand and supply.
In the short run, firms earn positive economic profit due to increase in demand.
In the long run , the number of firms enter the industry due to which the production increases and reduction in demand causes the economic losses in the short run and some firms exit which makes economic profit zero.
Profits and losses are eliminated due to entry and exit of infinite number of firms producing the divisible, homogenous products in a industry in the long run.
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The lowest payment does not necessarily mean the best credit plan. If your car loan is a long period of time, you may end up owing more than the car is worth, which is called.
The lowest payment does not necessarily mean the best credit plan. If your car loan is a long period of time, you may end up owing more than the car is worth, which is called Negative Equity.
When the value of an item used as collateral for a loan is lower than the loan's outstanding balance, there is a deficit in owner equity known as negative equity.
When a real estate property's worth is lower than the balance still owed on the mortgage used to buy it, negative equity is created. Simply deducting the balance of the mortgage from the property's current market value yields the amount of negative equity.
You have negative equity if you owe more on your current auto loan than the car is worth. In other words, you couldn't get the amount you owe on your car if you tried to sell it.
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In economics, actions by individuals and interest groups designed to influence public policy in a manner that will either directly or indirectly redistribute more income to themselves are known as.
In economics, actions by individuals and interest groups designed to influence public policy in a manner that will either directly or indirectly redistribute more income to themselves are known as rent seeking
Economics focuses on the actions and interactions of economic agents as well as the operation of economies. Microeconomics examines what are thought of as the fundamental components of the economy, such as the activities of individual agents and markets as well as the interactions that result from those actions. Households, businesses, buyers, and sellers are just a few examples of individual agents. The study of macroeconomics examines the economy as a system in which production, consumption, saving, and investment coexist, as well as factors influencing it such as the employment of labor, capital, and land resources, currency inflation, economic growth, and public policies that have an effect on these components.
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An increase in taxes on businesses in the united states will likely have what impact on the short-run aggregate supply sras curve in the united states?.
An increase in taxes on businesses in the united states will likely have a change that is happening like the shift in the short-run aggregate supply.
What is the price?In terms of price, it also depends on the demand and conceptual theories. It is a tool to determine the market's economic stability as well as how the different areas are being utilized and to identify alternatives.
When taxes are raised, businesses will have much less money and will be compelled to cut output, which will cause the short-run aggregate supply to migrate to the market left.
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Prasana is working on a project that will help her team transition to a new software platform for billing. She tries to use the same written instructions for her coworkers and clients, but it backfires. This type of reuse is known as what?.
Based on the fact that Prasana is working on a project that will help her team transition to a new software platform for billing and she tries to use the same written instructions for her coworkers and clients, but it backfires. This type of reuse is known as repurposing.
This is so because repurposing, also known as reuse, is just the act of changing something for use in a new way. Prasanna attempted this when she tried to utilise the same instructions for another project, but it ended up backfiring.
Creating a task is referred to as this when it is done by an individual or group of individuals and requires both study and design.
As a result, we can see that Prasanna's use of the identical written instructions in a software billing system for her clients and coworkers is simply known as repurposing.
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system is a set of interrelated parts that operate together to achieve a common purpose. systems theory teaches us that change in organizations creates more change. this activity is important because managers need to understand how any change, no matter how small, will ripple throughout an organization.
Business analysis using descriptive statistics The collection, description, analysis, and drawing of conclusions from numerical data are all .a subfield of applied mathematics.
Calculus, specifically differential and integral calculus, as well as linear algebra and probability theory, are key components of the mathematical statistics that underpin statistics. Businesses must be able to adjust to shifting client demands and market conditions, which seem to be changing on a daily basis. When a company isn't adaptable, another company will swoop in and steal those clients—and those earnings.
However, managing change is unquestionably a behaviour. Individuals must evolve; organisations do not. And that is the main goal of change management.
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The question was incomplete. Check below the full question.
System is a set of interrelated parts that operate together to achieve a common purpose. systems theory teaches us that change in organizations creates more change. this activity is important because managers need to understand how any change, no matter how small, will ripple throughout an organization.The goal of this exercise is to challenge your knowledge of the systems model of change.Classify each item as either an input, a target element of change, or an output.
wayman corporation reports the following amounts in its december 31, 2024, income statement. sales revenue $397,000 income tax expense $51,000 interest expense 21,000 cost of goods sold 131,000 salaries expense 41,000 advertising expense 31,000 utilities expense 51,000
A presentation of the multiple-step income statement is presented below.
Wayman Corporation
Multiple-step income statement
As on December 31,2021
Sales revenue $397,000
Less: Cost of goods sold -$131,000
Gross profit $266,000
Less: Operating expenses
Salaries expense $41,000
Utilities expense $51,000
Advertising expense $31,000
Total operating expense -$123,000
Operating income $125,000
Less: Interest expense -$15,000
Income before taxes $110,000
Less: Income tax expense -$45,000
Net income $65,000
So, a multi-step income statement is an income statement which tends to segregate the total revenue and expenses into the operating and the non-operating heads.
Hence, the presentation of the multiple-step income statement was presented.
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why might an effective rent control actually increase homelessness in a city? multiple choice landlords will make less of an effort to maintain rent-controlled apartments because they receive less rent from these apartments. landlords will build more apartments due to the shortage of affordable housing. fewer people will look for apartments in the area due to the shortage of affordable housing. more people may move to the area hoping to find a lower-priced apartment.
An effective rent control can increase homelessness because more people may move to the area hoping to find a lower-priced apartment.
What is rent control?Rent control is when the government or an agency of the government sets the maximum price that landlords can charge as rents. When rent control is effective, it is set below the equilibrium price.
When rent is set below the equilibrium price for rents, the quantity demanded would exceed the quantity supplied. The quantity demanded of rented house would increase because people would move to the area where it is cheaper to rent. This would result in a shortage. As a result, there would be an increase in homelessness.
Rent control is an example of a price ceiling. Price ceiling is when the maximum price of a good is set by the government. Price ceilings are enacted to control the increase in price of a good or service and protect the consumers of the product.
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the cross-price elasticity of demand between texaco gasoline and mobil gasoline sold at the same intersection would be group of answer choices
the cross-price elasticity of demand between Texaco gasoline and Mobil gasoline sold at the same intersection would be positive.
What is elasticity ?Elasticity is the ability of a deformed object to return to its original shape and size when the force that caused the deformation is removed. Bodies with this ability are said to behave (or react) elastically. Elasticity is a general measure of how one economic variable responds to changes in another economic variable. The three main forms of elasticity are the price elasticity of demand, the cross-price elasticity of demand, and the income elasticity of demand. Elasticity is a term used in economics to describe changes in the behavior of buyers and sellers in response to changes in the price of goods or services.In other words, the elasticity or inelasticity of demand for a product or commodity depends on how much the demand for the product changes when the price rises or falls.To learn more about elasticity from the given link :
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the study of a single firm and how it determines prices falls under the study of; question 7 options: behavioral economics. microeconomics. macroeconomics. economic growth
The study of a single firm and how it determines prices falls under the study of microeconomics.
Microeconomics is a branch of economics that studies the behavior of consumers and companies and the determination of market prices and quantities of input factors, goods and services that are traded. Microeconomics provides a more complete and detailed understanding than macroeconomics. Microeconomics also examines how these various decisions and behaviors affect the supply and demand for goods and services, which will determine prices; and how prices, in turn, determine the supply and subsequent demand for goods and services.
Individual actors are often grouped into microeconomic subgroups, such as buyers, sellers, and business owners. These groups create supply and demand for resources, using money and interest rates as pricing mechanisms for coordination.
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information that is free from error or bias and accurately represents the events or activities of the organization is group of answer choices relevant. accurate. verifiable. timely.
information that is free from error or bias and accurately represents the events or activities of the organization is reliable.
is found in information that is dependable and free from error or bias?
If information correctly depicts the events or operations of the organization and is free from bias or inaccuracy, it is considered dependable. If significant components of the underlying events or actions that it measures are not left out, the information is comprehensive.Information that doesn't leave out crucial details of the underlying activities or occurrences that it measures Complete the value of information is the benefits produced by possessing and using the information minus the cost of producing itto learn more about Information that is free from error bias reffer to:
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analytics llc processes misinterpreted data furnished by botch services to propose a marketing plan for clientele inc. analytics and clientele are both ignorant of the mistaken data. their contract can be rescinded on the basis of
Their contract can be rescinded on the basis of a bilateral mistake.
The required details about analytics is mentioned in below paragraph.
Discovering, understanding, and communicating meaningful patterns in data is the process of analytics. Simply put, analytics enables us to recognize insights and valuable data that we might not otherwise notice.
A joint legal mistake is another term for a bilateral error. It arises when both parties are acting incorrectly on faulty information. Bilateral errors can be troublesome since both parties misunderstand the contract and its terms. When one partner falls unexpectedly ill, when an expected product inventory does not arrive at its intended place, or when parties are mistaken about legal title of a property or object, a bilateral mistake can develop. A joint legal mistake is another term for a bilateral error. It arises when both parties are acting incorrectly on faulty information. Bilateral errors can be troublesome since both parties misunderstand the contract and its terms.
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bubbles and baubles is preparing to open its newest children’s party site in tallahassee. once open, the marketing department will be collecting information on what customers want while they are at an event at the new location. the marketing research team for bubbles and baubles will create original surveys with targeted questions to help collect reliable information. this type of research is described by marketing professionals as the collection of
If the marketing research team for bubbles and baubles will create original surveys with targeted questions to help collect reliable information. this type of research is described by marketing professionals as the collection of sample data
A researcher can be defined as the person that collect data or information from a group of population so as to reach or draw a conclusion after evaluating the data collected.
On the other hand sample can be defined as the way in a researcher collect information from people in which the research then analyze and examine and carryout hypothesis on the data collected from the population.
This scenario best illustrate sample data based on the fact that the researcher want to make use of the data collected to develop an original surveys that contains their targeted questions
Therefore this scenario is an example of data sampling.
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if your firm establishes a defensive plan to prevent the firm's weaknesses from making it highly susceptible to external threats, that would be an example of an s-t strategy quizlet
if a firm establishes a defensive plan to prevent the firm's weaknesses it would be an example of a W-T strategy. Weaknesses Threads strategy is used to avoid threats and minimize weaknesses.
In general, a crisis can be described as an event or unstable moment that is not expected and has the potential to cause chaos and threatening change. The three general elements to define a crisis are the threat to the organization, the element of surprise, and the decision in a short time. Most experts also think that the crisis can have a bad influence and damage the existing order. Therefore, it is necessary to make an effort to control the situation in order to reduce various bad risks.
This is where crisis management comes into play. Crisis management can be interpreted as a form of response and effort in responding to and solving problems from crises that arise through possible crisis management strategies.
Crisis management differs from risk management in that it involves an element of assessing potential threats as well as the best way to avoid threats—meaning that these actions are taken before an event (risk) occurs. Crisis management is actually carried out when the threat or crisis event occurs.
Some of the skills in crisis management needed are identifying, assessing, understanding, and dealing with serious situations. In addition, crisis management is based on how to deal with crises, make decisions when in critical conditions, and monitor crisis developments.
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even though he was an assistant director with the county, keith loosened his tie and waded into the raw, untreated sewage with the rest of the project team. as they stood there together in the quagmire of mud and feces, the team members found keith less intimidating and his: accessibility was at an all time high. surely the cross-functional cooperation of the team would soon peak. proximity was at an all time high. surely the cross-functional cooperation of the team would soon peak. equanimity was at an all time high. surely the cross-functional cooperation of the team would soon peak. task orientation was at an all time high. surely the cross-functional cooperation of the team would soon peak.
The level of accessibility was unprecedented. The team's cross-functional collaboration would indubitably reach its peak soon.
What comes first in putting together a project team?Putting Together a Project Team
Choose Your Team. Make sure to pick the appropriate folks.
Establish the ground rules and the tone. Do this on the first meeting of your team.
Having Specific Goals. You need to make specific, attainable goals.
Obtainable Early Objectives. Use your objectives to inspire and motivate your employees.
Communication.
What happens in Quizlet when a project manager renders a ruling to disputing parties?Terms in this group (10)
Due of their: their project team was destined to fail. unclear objectives When a project manager renders a decision to disputing parties, he engages in: Arbitration.
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an organization's mission statement highlights its key ethical issues and identifies the overarching values and principles that are important to the organization and its decision making.
FALSE not mission statement it should be code of ethics that highlights its key ethical issues and identifies the overarching values and principles.
Organizations adopt code of ethics to help members understand the difference between right and wrong and apply that understanding to their decisions. A company's Code of Ethics must be applied consistently to its decision making and be an important part of its culture and values regardless of where it operates, both locally and globally.
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suppose that the price of corn, a crop produced in a perfectly (or purely) competitive industry, increased 208% last year as demand for corn‑based ethanol fuel increased. what do you expect to happen in the long run for the corn industry given this recent success?
I expect to happen in the long run for the corn industry given this recent success profits would be equal to zero.
What is corn?
Corn was first domesticated by local peoples in southern Mexico some 10,000 years ago. Modern corn is thought to have evolved from the wild grass Balsas teosinte. By the time of European arrival of North America, its civilization had expanded as far north as southern Maine, and Native Americans taught European colonists how to harvest indigenous grains. Corn has expanded to all areas of the world that are suitable for agriculture since its introduction into Europe by Christopher Columbus and other explorers and colonisers.
There is perfect entry and exit of enterprises in a perfectly competitive industry. When there is a profit in the short run, new firms will enter the industry, driving earnings to zero in the long run. If, on the other hand, a firm earns negative profits, firms will exit the industry in the long run, bringing earnings to zero.
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Select the correct answer. which expression is equivalent to 14x2 35x when it is completely factored? a. 7x(2x 5) b. 7(2x2 5x) c. 14x(x 3) d. x(14x 35)
Option (a) 7x(2x + 5) is correct.
7x(2x + 5) is equivalent to 14[tex]x^{2}[/tex] +35x when it is completely factored.
What exactly is Factorization?A number or other mathematical object is factorized or factored in mathematics by writing it as the product of numerous factors, typically smaller or simpler things of the same kind.The four primary methods of factoring are the Grouping method, the Difference in Two Squares, the Sum or Difference in Cubes, and the Greatest Common Factor (GCF).Numerous issues could be resolved using the power of number factoring. Similar to this, factoring in algebra is an extremely useful tool that is utilized at all levels. In addition to providing a standard way for simplifying complex expressions, it also offers a solution to quadratic equations.= 7x(2x + 5)
= a(b + c) = ab + ac
a = 7x , b = 2x, c = 5
= 7x * 2x + 7x * 5
= 14[tex]x^{2}[/tex] +35x
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An arrangement in which two people work the same position at a company on different days is known as
A. consulting
B. contracting
C. job sharing
D. telecommuting
Answer:
Explanation:
The correct answer is option C. Job sharing.
Job Sharing - In the job-share model, two employees split the burden of a single full-time position between them; they complete the same responsibilities on various days of the week.
Explain the reasons for preparing a business plan.
Answer:
it's the need of the business man
If oranges sell for $100 per crate in the united states and 4000 pesos per crate in mexico, the law of one price indicates that you should be able to exchange $1 for.
The law of one price indicates that you should be able to exchange $1 to 40 pesos.
A currency exchange can be described as a licensed business that allows customers to exchange one currency for another. Currency exchange of physical money (paper bills and coins) is usually done over the counter at a teller station, which can be found in various places such as hotels, and resorts, airports, and banks.
There are 3 methods of money exchange, such as reciprocity, redistribution, and market exchange.
Oranges = $100
Oranges = 4000 pesos
Oranges = $100 = 4000 pesos
$100 = 4000 pesos
So, $1 = 40 pesos
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factors that help households decide whether to consume or save their income are . (check all that apply.) a. expectations of the nation's investment needs. b. the interest rate. c. expectations about taxes. d. expectations of future income growth.
Expectations about taxes, interest rate expectations, and future income growth are all factors that help households decide whether to spend or save their money.
What is Income growth?Income has decreased most dramatically for workers at the bottom rung (in the 10th percentile) and increased most dramatically for workers at the top rung (in the 90th percentile) between 1990 and 2019. (in the 90th percentile). The highest-earning workers' income has steadily increased in recent decades, rising from $98,618 in 1980 to $119,000 in 2019. Prices have risen more than twice as fast as wages by 2022. This means that real wages are falling at an even faster rate in 2022 than they were in 2021. In fact, real wages are now lower than they were before the pandemic in February 2020.To learn more about Income growth, refer to:
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the account finished goods: multiple choice consists of completed goods that have not yet been sold. consists of goods being manufactured that are incomplete. consists of materials to be used in the production process. consists of the cost of new materials used and labor, but not overhead.
The finished goods on account A) are made up of finished products that haven't been sold yet.
Finished goods – what are they?Products and completed goods are extensions of inventory. These goods have reached the stage in the production process where consumers can easily access them. Companies use a formula to calculate finished goods and products to help create an inventory ratio that establishes the value of the goods available for sale.
Because they are anticipated to be sold in less than a year as opposed to long-term assets, finished inventory items are typically regarded as short-term assets. A variety of distinct factors influence finished goods.
For instance, the Canadian company Niche Bakers makes baked goods. While their finished goods are the baked goods that are prepared for sale (such as cakes and cookies), their assets include the ingredients, cookware, and any direct labor required for production.
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what could be a less dangerous alternative that is economically feasible for a manufacturer to prevent legal exposure for a product being unreasonably dangerous?
A product is considered unreasonably dangerous if it is dangerous beyond the ordinary consumer's expectations or if a less dangerous alternative was economically feasible for the manufacturer but was not produced.
What does the phrase "unreasonably dangerous" mean?A product that is unreasonably dangerous is one that poses greater risks than a reasonable user would expect when using the product as intended. This definition distinguishes between dangerous products, such as drain cleaners or chainsaws, and those that pose risks beyond their intended purpose. Unreasonably dangerous means dangerous when used normally, and dangerous to a greater extent than a typical consumer would consider. Because of its dangerous design, the product injures a user. If either of these flaws renders the product unreasonably dangerous when used as intended, any seller (from manufacturer to retailer) may be held liable for any injuries caused by the defective product.To learn more about dangerous products, refer to:
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it is generally neither necessary nor useful to have every single function represented on the core project team, as that would make communications and scheduling meetings more difficult.
The statement is True.
The required details about core project team is mentioned in below paragraph.
A Core Team (CT) is a group of subject matter specialists who work together on a specific project under the direction of the core team manager. These professionals collaborate to identify solutions for the project's implementation, keeping their management informed of their choices and any potential dangers they may have.
The methods that organize and coordinate the project crew are included in Project Human Resources Management. The project team is made up of the persons who have been allocated tasks and duties to accomplish the project. While it is typical to discuss the assignment of roles and duties, team members should be involved in project planning and decision making to a great extent. Team members that participate early in the planning phase gain experience and increase their commitment to the project. As the project continues, the kind and number of project team members may change. The methods that organize and coordinate the project crew are included in Project Human Resources Management.
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_____ is the degree to which tasks are subdivided into smaller jobs. group of answer choices task breakdown task-objective division task subdivision specialization functional divisionalization
Specialization is the degree to which tasks are subdivided into smaller jobs
Task specialization is the degree to which the overall task of the organization is broken down and divided into smaller component jobs or tasks.
It is sometimes called division of labor. And very important because it allow a certain worker to work in his/her area of mastery to reduce the risks of making mistakes and consequently provide value for the company.
Correct Choice: Specialization
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true or false: a self-employed individual may deduct the cost of his self-employed health insurance premiums even if his spouse's employer offers family coverage to him.
The statement "a self-employed individual may deduct the cost of his self-employed health insurance premiums even if his spouse's employer offers family coverage to him." is false Option B
This is further explained below.
What are health insurance premiums?Generally, If you are qualified to enroll in a health insurance plan that is maintained by either your employer or your spouse's employer, then you are not eligible to use the health insurance deduction for self-employed individuals.
In conclusion, You are receiving money from your company. You are only allowed to deduct expenses that are equal to or less than the net income your company generates.
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interest incurred, but not yet paid during an accounting period, should be recorded as an expense and a(n) . multiple choice question. revenue contra account asset liability
Interest incurred, but not yet paid during an accounting period, should be recorded as an Accrued Expense.
Accrued Expense is an expense which is incurred in one accounting period but not yet paid.
Recording an accrued expense means that transaction has been recorded when it incurred but not yet paid.
It is shown on the liability side of the balance sheet as a current liability because it makes obligation for the company to pay its expenses.
It helps in showing the true and fair view of the financial statements .
It requires more journal entries to record than simple cash balance accounting.
It increases both expense and liabilities as unpaid bills get accumulated.
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carol has developed a new needle threader for stitching. she has used the needle threader herself and contacted all of the other stitchers in her area. after months of research, she decided that other stitchers were satisfied with the needle threaders they already used and that she couldn't make a profit by selling her new needle threader. this example shows that
This example shows that C. A segment must be large enough to warrant developing and maintaining a product.
What is a product?A product can be defined as any physical object (tangible item) that is typically produced by a manufacturer so as to satisfy and meet the demands, needs or wants of every customer.
In Business management, some examples of a product include the following:
Digital cameraRefrigeratorLaptop computerSmartphones or Mobile phonesTelevisionMicrowave ovenSoftwareShampooDrugsBased on the research conducted by Carol, we can reasonably infer and logically deduce that a market segment must be large enough before a manufacturer (producer) can develop and maintain a product, as well as making profit by selling the product.
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Complete Question:
Carol has developed a new needle threader for stitching. She has used the needle threader herself and contacted all of the other stitchers in her area. After months of research, she decided that other stitchers were satisfied with the needle threaders they already used and that she couldn't make a profit by selling her new needle threader. This example shows that
A. Carol's needle threader didn't work very well
B. People who enjoy cross-stitch and needlepoint do not form a market segment
C. A segment must be large enough to warrant developing and maintaining a product
D. Carol should keep trying to sell her product
anderson corporation had a credit balance of $43,000 in its retained earnings account on december 31, 2021. net income of $6,000 was reported on its income statement for the year ended december 31, 2022. dividends in the amount of $5,625 were declared on december 31, 2021; the dividends are payable to the company's stockholders on february 1, 2022. the balance in its retained earnings account on december 31, 2022 equals .
The balance in Anderson Corporation retained earnings account on December 31, 2022 equals to $43,375.
The normal balance in the retained earnings account is called as a credit. The normal balance signifies that a business has generated an aggregate profit over its life. The retained earnings are calculated by:
Adding net income to the previous term's retained earnings Subtracting any net dividend(s) paid to the shareholders.The balance = $43,000 +$6,000-$5,625
The balance = $43,375.
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