At this stage of the transaction, RESPA requires mortgage brokers and lenders to give borrowers three specific disclosures: At the time of the loan application or within three days after, a Special Information Booklet must be given to the potential borrower.
What is mortgage broker?A mortgage broker is a middleman who connects mortgage lenders and borrowers, but who does not use their own money to start new mortgages.
A mortgage broker connects consumers with lenders and looks for the deal that best suits their needs in terms of interest rates and financial status.
A financial institution that lends money to you directly is known as a lender. A broker does not provide credit. An agent locates a lender. A broker may collaborate with numerous lenders.
You may be able to save time, effort, and money by using a mortgage broker. Compared to you, a mortgage broker might have better access to lenders.
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question content area managers of what type of decentralized units have authority and responsibility for revenues, costs, and assets invested in the unit? a.investment center b.production center c.profit center
The right answer is option A. Investment center type of decentralized units have authority and responsibility for revenues, costs, and assets invested in the unit.
A business unit known as an investment centre is one that a company uses to make money with its revenues resources. A typical illustration of an investment centre is the financing division of a retailer or vehicle manufacturer. A profit centre is a division in charge of expenses and income. An investment centre is a division in charge of expenses, earnings, and asset investments. Depending on the kind of responsibility centre being managed, different performance metrics are the utilised to assess managers.
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what is a part of operational crm that automates service requests, complaints, product returns, and information requests?
Customer service and support is a part of operational crm that automates service requests, complaints, product returns, and information requests.
A customer may or may not be a consumer, but the two concepts are distinct. A customer makes a purchase; a consumer uses them. The final customer may also be a consumer, but they may also have purchased something for someone else to consume. An intermediary customer is not a consumer at all.
The situation is somewhat complicated when the end customers of so-called industrial goods and services either consume goods and services that they themselves purchase or incorporate them into other finished products, and therefore also technical consumers. However, they are rarely referred to as industrial customers or business-to-business customers.
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which of the following are examples of tailgating? select two. a. a food delivery person asks you to hold the door open on your way out of the building. b. a visitor uses a badge to enter into the building right behind you. c. a delivery driver signs into the guest logbook and receives a guest pass to be allowed into the building. d. a person claiming to be an employee grabs the door before it closes to enter the building when you exit.
One of the most popular tailgating strategies is just following someone else through a door, generally because a staff holds the door open for the person behind them.
What does a tailgating assault look like?Simple techniques like claiming to be a reputable third-party vendor or employee in order to obtain security cards and hold open doors are the most popular tailgating strategies.Attacks that include tailgating allow the attacker to enter a space without permission by following an unknowing user.As opposed to this, in a piggybacking attack, a current or former employee willfully grants illegal access to a secured area as part of a larger coordinated effort. To stop tailgating, though, you can use the "3-second rule."When the vehicle in front passes a specific point, like a traffic sign, the driver using this method starts counting (at intervals of one second).A driver is following too closely if they pass the same location before the countdown timer finishes.To learn more about tailgating refer
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Answer: d. a person claiming to be an employee grabs the door before it closes to enter the building when you exit.
Explanation: hope this helps!
The inflation reduction act extended some of the provisions of the premium tax credit, related to marketplace health insurance plans, through what tax year?.
The Inflation Reduction Act extended some of the provisions of the premium tax credit, related to marketplace health insurance plans, through the 2025 tax year.
What is the Inflation Reduction Act?The Inflation Reduction Act of 2022 can be defined as a landmark United States federal law that was enacted by the 117th United States Congress and signed into law by President Joe Biden on the 16th of August, 2022.
Generally speaking, the main purpose of the Inflation Reduction Act is to help the United States of America in curbing inflation through the following ways:
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An investor has $150,000 to invest in investments A and B. Investment A requires a $10,000 minimum investment, pays a return of 12% and has a risk factor of .50. Investment B requires a $15,000 minimum investment, pays a return of 10% and has a risk factor of .20. The investor wants to maximize the return while minimizing the risk of the portfolio. The following Minimax formulation of the problem has been solved in Excel. 1Problem data 2 Expected return 3 Risk rating A. 1200 0.50 10% 0.20 5 Variables 6 Amount invested 7 Minimum required Total $10,000 S15,000 150,000 Weighted 10 Goals 11 Average return Actuala Weights% Deviation 118% 0.22 12 Average risk 13 14 Objective 0 Refer to the exhibit above. What formula goes in cell E11? OD11 C11 O-D11"(C11-811)/C11 (C11-B11)/C11 OD11 (C11-B11)
Option B is the correct option.
Investments are assets purchased or sums of money invested with the intent of generating revenue in the future. Investments are also made in order to profit from a future increase in an asset's value.
An investment is a future-focused purchase of products with the intention of generating income or building wealth in the future. A person might potentially try to profit by selling the asset later on for a bigger sum.
Investments can also include funds allocated for starting a new business, growing an existing one, buying stock or shares in a company, or investing an asset in a company. Making your money work for you or allowing your money to grow is the goal of investing.
In the given question,
To calculate deviation, we have to subtract actual from the forecasted/target value. To calculate percentage of deviation, we need to divide the same by target value (C11) and then multiple it by the weights given (D11).
The formula for computation of the same is,
= Weights × ( Target - Actual)/Target
Therefore, the required answer is D11(C11-B11)/C11.
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Managers who weigh their first impression of an applicant more heavily than information received later in the interview are experiencing ________.
When hiring managers base their decisions on their first impressions of candidates rather than information they acquire later in the interview, this is known as the anchoring effect.
Wha is Manager?In a firm, a manager is in charge of a team of workers. While upholding the proper conduct of the company, managers frequently have personnel complete tasks. Between staff members and senior management, a manager acts as a connection.
A business manager is a manager who is responsible for overseeing and controlling the personnel and business operations of a division or firm. By establishing operational plans, monitoring all daily activities, and carrying out performance evaluations, they aim to keep the business productive, effective, and structured at all times.
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a software and information technology based approach used to collect and analyze customer data from numerous sources for the purpose of developing strategically appropriate relationships with customers. this approach is called .
A software and information technology based approach used to collect and analyze customer data from numerous sources for the purpose of developing strategically appropriate relationships with customers. this approach is called Customer Relationship Management (CRM).
This is a easy definition of CRM. consumer relationship control (CRM) is a era for managing all your company's relationships and interactions with clients and ability customers.
CRM gadget examples consist of advertising and marketing, income, customer support, and assist. maximum CRM platforms involve corporations analysing customer interactions and enhancing the consumer relationship. This technology has been widely embraced for the duration of the enterprise world.
Customer relationship management (CRM) is a era for managing all of your company's relationships and interactions with customers and capacity customers.
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one of the approaches to organizing projects is to simply manage them within the existing hierarchy of the organization, which involves delegating different segments of the project to respective functional units. (enter only one word per blank.)
Organizing Projects within the Functional Organization.
What is project organization?The coordination, communication, and management techniques a team use during the course of a project are referred to as project organization. The way a project is organised promotes team engagement and values individual talents and abilities.Functional, matrix, and projectized organisational structures are the three different types. The degree of project management power, financial accountability, resource accessibility, and full- or part-time status are characteristics of each.The three most typical arrangements are chronological order, geographical arrangement, and significance order.An organisational structure chart that graphically depicts each person's position inside the project structure lays out the team engagement. Project organizational charts are helpful for defining responsibilities, gaining support, and establishing group expectations.Learn more about project organization refer to :
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How much of the local government revenue comes from property taxes?.
The local government revenue that comes from property taxes is 30 percent.
What is property tax?The property's owner is responsible for paying a property tax that is set by the local government.The value of the property, which can be real estate or, in many jurisdictions, tangible personal property, is the basis for property taxes.The assessed taxes are used for improvements in water and sewer systems.How are property taxes determined?The mill rate is multiplied by the assessed value of your property to determine your property taxes.The following three approaches are used to determine your property's market value:utilizing the cost method, the income method, and a sales evaluation.
The local government revenue that comes from property taxes is 30 percent.
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Equipment acquired at a cost of $105,000 has an estimated residual value of $12,000 and an estimated useful life of 10 years. It was placed into service on May 1 of the current fiscal year, which ends on December 31. a. Determine the depreciation for the current fiscal year and for the following fiscal year by the straight-line method. 9,300) x Year 1 Year 2 b. Determine the depreciation for the current fiscal year and for the following fiscal year by the double-declining-balance method. Depreciation Year 1 21,000 X Year 2
1. Based on the straight-line method, the Depreciation Expense for the current fiscal year is $6,200 ($9,300 x 8/12).
2. Based on the straight-line method, the Depreciation Expense for the following fiscal year is $9,300 ($93,000/10).
3. Based on the double-declining-balance method, the Depreciation Expense for the current fiscal year is $14,000.
4. Based on the double-declining-balance method, the Depreciation Expense for the following fiscal year is $18,200.
Data and Calculations:
Cost of equipment = $105,000
Estimated residual value = $12,000
Estimated useful life = 10 years
Date of put into use = May 1
Depreciable amount = $93,000 ($105,000 - $12,000)
Annual depreciation expense based on the straight-line method = $9,300 (93,000/10)
Double-declining=balance method:
Depreciation rate = 20% (100/10 x 2)
Depreciation for the first year = $14,000 ($105,000 x 20% x 8/12)
Reduced balance after the first year = $91,000 ($105,000 - $14,000)
Depreciation for the second year = $18,200 ($91,000 x 20%)
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you are reviewing a company's general journal. it shows consecutive credit entries of $780, $660, and $320. the account has a normal debit balance. the balance decreases by $1,760 after all of the entries. is this correct?
Yes, this is correct when you are reviewing a company's general journal, it shows consecutive credit entries of $780, $660, and $320.
Write about a journal entry.A journal entry acts as a record of a commercial transaction in your company's books. In double-entry accounting, each transaction necessitates at least two journal entries. A bookkeeper tracks all the alterations that a transaction might make to a company by noting them in their diary.
What precisely is a journal?A secondary book is referred to as a journal. Other titles for journals are books of original entry and books of prime entry. The transactions are presented in reverse chronological order in the journal. Ledger accounts are prepared using journal entries.
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Green planet corporation has 5,000 shares of noncumulative 10% preferred stock with a $2 par value and 17,000 shares of common stock with a $0. 01 par value. During its first two years of operation, green planet declared and paid the following total cash dividends. Year 1 total cash dividends $ 800 year 2 total cash dividends 1,700.
Calculation:
First year: PS $800 CS $0
PS $1,000, CS $700 in Year 2.
5,000 × $2 x 10% = $1,000 in preferred dividends; when dividends are distributed, preferred dividends take precedence over common. They get compensated in advance.
Year 1: All 800 dollars will go to preferred charities.
Year 2: 1,000 shares of preferred stock are issued.
Common stockholders will receive the final $700.
Why do you want Green Planet Group?The Green Planet Group has made a long-term commitment to developing a successful business that is renowned for keeping high standards of social responsibility and productivity.
What is Green Planet's purpose?Green Planet's goal is to feed everyone on the planet by producing and selling cutting-edge products. It raises consciousness among farmers.
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all but which of the following must be completed prior to engaging in the business of mortgage loan origination?
Completion of pre-licensing education must be completed prior to being granted a mortgage loan originator license
An organization or individual who assists a potential borrower in finding the best mortgage for a real estate transaction is known as a mortgage loan originator (MLO). The MLO, who originated the mortgage, collaborates with the borrower throughout the application, approval, and closing processes. An MLO may be a loan officer, mortgage broker, or lending institution.
A loan originator can refer to both the organization or entity (lender) that initiates the loan and the specific expert who collaborates with you. A loan officer is solely the person who guides you through the mortgage application process and makes sure that all paperwork is completed accurately and submitted on time.
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when landlords are prevented by cities from charging market rents, which of the following listed outcomes are common in the long run? check all that apply.
Nonprice methods of rationing emerge and The quality of rental housing units falls the outcomes are common in the long run
What is the argument for rent control?Rent-control legislation typically has two purposes in mind: to preserve existing affordable housing and to avoid disruptions caused by quick rent hikes. These regulations have developed to include provisions to guarantee landlords receive adequate remuneration to maintain their properties and generate a decent profit.Rent control, according to the basic idea of supply and demand, produces housing shortages, reducing the number of low-income individuals who may dwell in a city. Worse, rent restriction tends to increase demand for homes — and hence rents — in other regions.To learn more about Rent control refer,
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explain the importance and growth of modern and sales promotion. describe the sales promotion techniques used in the consumer market.
Sales promotion is a range of marketing strategies intended to increase brand awareness and increase demand for particular products. Because it has a set deadline, it creates fresh leads, conveys urgency, and maintains clients' interest.
What function do promotions for sales serve?Creating new leads Sales promotions improve customer acquisition by offering customers discounts, freebies, trial periods, and other incentives. Many potential consumers are willing to test out a product for less money in the hopes that they would continue doing business with you if they enjoy it.
What are some methods for boosting sales?Permits for trade: a temporary reward offered to a retailer to entice them to stock up on a product. Dealer loader: An incentive given to a retailer to persuade them to purchase and display a product. Trade competition: A contest to recognize the shopkeepers who sell the most goods.
Giving away free samples, hosting contests or sweepstakes, distributing coupons, offering rebates, and setting up point-of-purchase displays are just a few examples of common sales promotion tactics.
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Modifier -25
Modifier -25 is used to report an E/M service on a day when another service was provided to the patient by the same individual. To assign modifier -25 correctly, there must be a medical necessity to provide a separate, additional E/M service on the same day a procedure was performed or another service was provided. By adding modifier -25, you are stating that the service was separate from the procedure or original service. Use
of modifier -25 increases the potential of receiving payment for the service.
Used to report the decision for surgery for certain codes.
Scientific necessity is a criminal doctrine in the u.s.a. associated with sports that can be justified as reasonable, vital, and/or suitable based on evidence-based scientific standards of care. In assessment, useless health care lacks such justification.
Medicare defines medically important as fitness care services or elements had to diagnose or deal with an infection, injury, condition, sickness, or its symptoms and that meet prevalent requirements of medicine.
Medically necessary or clinically Necessity method health care services that a physician, exercising prudent scientific judgment, might offer to an affected person. The service has to be: For the reason of comparing, diagnosing, or treating contamination, harm, disorder, or its signs.
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a grocery store that allows customized purchases in the bakery or deli is providing which type of utility for the consumer?
A grocery store that allows customized purchases in the bakery or deli is providing form utility for the consumer.
Form utility is the amount of value a customer obtains from a good or service in the context of what they truly need. Therefore, form utility is the assimilation of client needs and wants into the features and advantages of the company's products.
Companies devote time and resources to product research in order to identify the precise goods or services that consumers are looking for. The development of the product is then strategically planned by company executives with the aim of satisfying or exceeding those needs to produce form utility.
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The use of _________________ ensure that the response categories are clearly defined, that interpretation of the rating by an outside party is clear, and that the supervisor and employee also understand the rating.
graphic rating scales
The use of graphic rating scales ensures that the response categories are clearly defined, that the interpretation of the rating by an outside party is clear and that the supervisor and employee also understand the rating.
snap shots 'relating drawing, portray, writing, etc.') are visible photos or designs on a few floor, which includes a wall, canvas, display screen, paper, or stone, to inform, illustrate, or entertain. In current utilization, it includes a pictorial representation of facts, as in design and manufacture, in typesetting and the photo arts, and in instructional and leisure software program. photos which might be generated via a laptop are known as pc photographs.
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The following cost curves show the costs for a firm's t-shirt production. ... firm's breakeven point is at a price of______. a.)$20 b.)$14 c.)$26 d.)$24.
The cost curves show the costs for a firm's t-shirt production. firm's breakeven point is at a price of $24 .
How do you know if a problem is simple or compound interest?.
Simple interest is computed on a loan's principal, or initial loan amount. Calculating compound interest involves using both the principal amount and the total interest from prior periods.
What is compound interest?Compound interest is the term for interest that is earned on interest. This may be shown using simple math: if you start with $100 and it earns 5% interest every year, you will have $105 at the end of the first year. After the second year, you'll have $110.25.Compound interest is calculated by multiplying the loan's principle by the annual interest rate multiplied by the number of compound periods minus one. The loan principal plus compound interest will then be what is left over.When interest on an investment compound, your initial investment might rise more quickly, which is fantastic. However, it's not so fantastic when compound interest is applied to a loan or credit card debt because you now owe more money.To learn more about compound interest refer to:
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an individual or organization that has a need for the product or service, has the budget or financial resources to purchase the product or service, and has the authority to make the purchase decision
sales prospect
What are examples of sales prospect?
Sales prospecting techniques include cold emailing, cold phoning, referrals, social selling, and video emails.
What is Prospecting ?
Prospecting is the process of locating potential consumers, who are known as prospects. Prospecting is a strategy used by sales representatives to increase the number of their customers.
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joe brings $20,000 in cash to bank a and buys five cashier's checks. then he deposits them in bank b. if this transaction is part of a money laundering scheme, it represents which stage in the process?
If joe brings $20,000 in cash to bank a and buys five cashier's checks. then he deposits them in bank b. if this transaction is part of a money laundering scheme, it represents layering stage in the process.
What is Layering stage?Layering stage can be defined as the stage in which a person tend to make use of cash or cash equivalents to buy financial instruments that can be converted to clean money.
Based on the scenario Joe is engaging in layering because he brings the amount of $20,000 in cash to the bank to buy five cashier's checks.
Therefore this is an example of layering stage.
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suppose ming could be assigned up to one more hour. then what would be the new minimum total cost of the project? (express your answer in $)
The period between normal and crash times is the minimal total project cost period.
What do you mean by project costs?Project costs are the sum of the money required to cover and finish a commercial transaction or work project. Project expenses include: Direct costs are those expenses directly associated with the project and required to finish it.
Why is knowing a project's entire cost important?The project will have to deal with major repercussions if the Total Project Cost is not accurately anticipated. It will directly affect the project's scope, quality, and schedule. Cost overruns will result as a result.
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which of the following describes the conditions that exist in a perfectly competitive market in the short run, and which are associated with firms leaving the market in the long run?
Occurs when a firm produces the amount of product with the lowest average total cost, and a perfectly competitive firm produces the same amount over time.
What is competitive market?In response to customer demand for products and services, a competitive market develops. Due to the competition created by this market system, businesses must assess their costs of production, pricing policies, and product output.
Perfect competition, as well as competitive markets, aim to factor in both the buyer and the supplier equally and develop strategies based on the market's current supply and demand. We define competitive marketplaces, describe their traits, and explain their functions and distinctions in this article
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Howard (71), a retired single taxpayer, received a monthly pension of $2,500 ($30,000 annually). He did not contribute any after-tax dollars to the plan while he was working; his employer paid all the costs. Howard's only other income for the year consisted of $17,256 in social security benefits. In early 2022, howard received the following 2021 form 1099-r reporting the distribution from his pension plan. When howard files his tax return, how much should he report as taxable income from pensions and annuities?.
The amount that Howard should report as taxable income from pensions and annuities when he files his tax return is $30, 000.
How to find the taxable income?The Taxable income that Howard would report would depend on the contributions he made towards his retirement when he was still working. If these contributions were after - tax, then it would mean that he would not need to pay taxes.
However, as mentioned in the question, Howard did not contribute any after-tax dollars to the plan. This means that his entire income will be taxable.
Howard's taxable income would therefore be the entire $ 30, 000 annually.
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the balance sheet reports the revenue and expenses and shows the net income or loss for the accounting period true false
The statement is False. The balance sheet reports the revenue and expenses and shows the net income or loss for the accounting period.
Net income refers back to the cash you can have available after taxes and deductions are taken from your paycheck. For a business, net earnings is the money this is left over after paying operating charges, administrative prices, price of products offered, taxes, coverage and some other business charges.
In commercial enterprise and accounting, net income is an entity's income minus price of products offered, fees, depreciation and amortization, interest, and taxes for an accounting length.
Net income is gross earnings minus all different expenses and expenses as well as every other profits and sales sources that are not protected in gross profits. a number of the prices subtracted from gross to reach at internet earnings consist of interest on debt, taxes, and operating costs or overhead fees.
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Which is better tariff or subsidy?.
Tariff is always better than subsidy.
To safeguard the import-competing industry, one may employ both a tariff and a production subsidy.
Yeh (1971) demonstrated that, in large countries, a tariff is preferable to a production subsidy, provided that the level of support needed for the import-competing industry is not higher than the level required when the optimum tariff is in place.
The answer demonstrates that taxes and subsidies can always be arranged, supporting the claim that exporters do not respond to policies in importing countries. Even if the help promised to domestic producers surpasses that realized under the optimal tariff, tariffs will still be preferred to subsidies.
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Splish Inc. manufactures cycling equipment. Recently, the vice president of operations of the company has requested construction of a new plant to meet the increasing demand for the company’s bikes. After a careful evaluation of the request, the board of directors has decided to raise funds for the new plant by issuing $3,409,700 of 10% term corporate bonds on March 1, 2020, due on March 1, 2035, with interest payable each March 1 and September 1, with the first interest payment on September 1st, 2020. At the time of issuance, the market interest rate for similar financial instruments is 8%. Click here to view factor tables As the controller of the company, determine the selling price of the bonds. (Round factor values to 5 decimal places, e.g. 1.25124 and final answer to 0 decimal places, e.g. 458,581.)
The cost to sell the bonds is $3999310. Cycling equipment is made by Splish Inc. The company's vice president of operations recently requested that a new plant be built to meet his needs.
The final price set by the seller—that is, the amount the customer pays—is known as the selling price of a good or service. The exchange can be equipment for a specific amount, weight, or measurement of a good or service.
It is one of the most crucial factors that a business must consider. It is crucial because it will determine whether or not it survives. The cost of a selling price equipment product directly impacts how many units are sold.
The price you set for something must be high enough to generate a selling price profit. It also needs to establish a position on the market.
We have three options for that price: minimum, maximum, and average equipment of both. Prices can be determined based on the season, location, and demand.
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black diamond company produces snowboards. each snowboard requires 1 pounds of carbon fiber. management reports that 5,700 snowboards and 6,700 pounds of carbon fiber are in inventory at the beginning of the third quarter, and that 157,000 snowboards are budgeted to be sold during the third quarter. management wants to end the third quarter with 4,200 snowboards and 4,700 pounds of carbon fiber in inventory. carbon fiber costs $22 per pound. each snowboard requires 0.5 hour of direct labor at $27 per hour. variable overhead is budgeted at the rate of $15 per direct labor hour. the company budgets fixed overhead of $1,789,000 for the quarter. 2. prepare the direct materials budget for the third quarter.
The Total Cost of Carbon Fibres is $4,063,400.
What is Carbon Fibre?
Carbon fibers, also known as carbon fibres, are fibres with a diameter of 5 to 10 micrometres (0.00020–0.00039 in) and are primarily made of carbon atoms. High stiffness, tensile strength, a good strength to weight ratio, strong chemical resistance, high temperature tolerance, as well as low thermal expansion are just a few benefits of carbon fibres. Due to these qualities, carbon fibre is widely used in the military, motorsports, aerospace, and other competitive sports. However, people are relatively expensive when compared to fibres that are similar, like glass, basalt, or plastic.
Direct Materials Budget for Third Quarter
Beginning Inventory:
Carbon Fiber - 6,700 lbs $22/lb = $147,400
Purchases:
Carbon Fiber - 168,800 lbs $22/lb = $3,712,600
Ending Inventory:
Carbon Fiber - 4,700 lbs $22/lb = $103,400
Total Cost of Carbon Fiber = $4,063,400
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suppose the government injects $1,000 into the economy and the marginal propensity to consume (mpc) is 0.8. the initial round of spending adds $1,000 to the economy, while round 2 adds $ and round 3 adds $ .
$640 as people use 80% of $800 while the remaining is saved when the marginal propensity is 0.8 .
What does marginal propensity mean?
The percentage of a consumer's increase in overall salary that they choose to spend on goods and services rather than save is known as the marginal propensity to consume (MPC) in economics.
What is MPC and MPS?
The percentage of additional household income that is saved is known as the marginal propensity to save (MPS).
MPC is the percentage of a household's additional income that is used for consumption or other purposes.
The economy as a whole is significantly impacted by consumer behavior regarding spending and saving.
First round adds $1000
Second round adds $1000 * 0.8 = $800 as people use 80% of $1000
Third round adds $800 * 0.8 = $640 as people use 80% of $800
while the remaining is saved.
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