Option C, The assertion about corporate income taxes is valid since the marginal tax rate will always be higher than the average tax rate.
The marginal tax rate will always be greater than the average tax rate when it comes to company income taxes, which is the correct position.
The marginal tax is the percentage of tax paid on a corporation's final dollar of income received, whereas the average tax rate is the total tax received divided by total taxable revenue.
The marginal tax rate is frequently higher than the average tax rate since it applies to the next dollar of income earned, which is taxed at a higher rate due to the progressive nature of the corporate income tax system.
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suppose the chocolate bar that you just finished did not increase your total utility. the marginal utility of that bar was
The last unit you ingested had zero marginal utility if the chocolate bar you just completed did not boost your overall utility.
Explain the concept of marginal utility.Utility in economics refers to the pleasure or advantage obtained from using a thing. The last unit you ingested had zero marginal utility if the chocolate bar you just completed did not boost your overall utility. The additional value or happiness a consumer receives from consuming one more piece of an item or service is known as marginal utility. The shift in overall utility brought on by the consumption of the most recent unit is known as the marginal utility of that unit. Consequently, the marginal benefit of the chocolate bar you just finished was zero if it did not boost your overall utility.
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why do airline suppliers, such as boeing and airbus, have so much power?
There are only two main suppliers present in an airline industry, Airbus and Boeing that has the power to control the fuel prices.
What is a price?In business and economics, price refers to the amount of money that a buyer pays to acquire a good or service. It is the exchange value of a product, and it represents the value that the buyer and seller place on the item being sold.
Price is determined by various factors, such as supply and demand, production costs, competition, and market trends. A high demand for a product, for example, can drive up its price, while increased competition can lead to lower prices.
Because the Airbus and Boeing are the two significant supplier in an airline industry and that gives them the power to control the fuel prices.
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How did science, technology, and big business promote industrial growth
Because each enabled industries to expand their productivity and efficiency, science, technology, and large business all supported industrial growth.
Which contributions did science and technology make to the Industrial Revolution?The Industrial Revolution benefited greatly from new discoveries and technologies. They altered the way that things were powered, items were produced, people interacted, and goods were carried.
How did scientific developments affect daily living during the Industrial Revolution?Improvements in food safety and medical procedures were only two of the numerous ways that science had an impact on living throughout the Industrial Revolution. Also, it altered peoples' fundamental worldviews and produced a shift in how most people perceived the world.
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because command economies have a high degree of government involvement, they are better suited to meet which economic goals?
Command economies, also known as planned economies, are characterized by a high degree of government involvement in economic decision-making, including the allocation of resources, production targets, and pricing.
Command economies are generally better suited to meet certain economic goals, such as:
Equality: Because the government controls the allocation of resources and sets production targets, it can ensure that resources are distributed equally across the population and that everyone has access to the goods and services they need.Stability: In a command economy, the government can exert a high degree of control over the economy, which can help to stabilize it and prevent economic fluctuations, such as inflation or recession.Full employment: Because the government controls production targets and can direct resources towards specific industries, it can ensure that everyone who wants to work has a job.Long-term planning: The government can use a command economy to implement long-term planning and achieve large-scale goals, such as building infrastructure or transitioning to a more sustainable economy.However, command economies also have several drawbacks, such as a lack of incentives for innovation and entrepreneurship, limited consumer choice, and potential inefficiencies resulting from government bureaucracy.
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7.analyze how the fraud triangle would be adjusted for predator fraudsters
The fraud triangle is a model that describes the three elements that are typically present in cases of occupational fraud: opportunity, rationalization, and pressure.
However, in cases of predator fraudsters, who are individuals who deliberately target and exploit vulnerable victims for financial gain, the fraud triangle may need to be adjusted.
Opportunity: In predator fraud cases, the predator deliberately creates or seeks out opportunities to exploit vulnerable victims, rather than simply taking advantage of existing marketing opportunities within their workplace. This may involve targeting individuals who are elderly, disabled, or otherwise susceptible to manipulation.
Rationalization: Predator fraudsters may not need to engage in significant rationalization, as their primary motivation is often financial gain at the expense of their victims. However, they may attempt to justify their actions to themselves or others by portraying themselves as providing a valuable service, or by blaming their victims for their own financial problems.
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Information for each transaction recorded in a journal.
answer choices
source document
proving cash
entry
sales document
Information for each transaction recorded in a journal is called an Entry.
The correct option is (c).
Information for each transaction recorded in a journal is called an Entry. Recording both debit and credit parts of a transaction is called Double-Entry Accounting. A business paper from which information is obtained for a journal entry is called a Source Document. document is prepared for each transaction.
The bookkeeper increases the balance of the baking supplies account and decreases the cash account. Two journal entries show 1) an increase in the baking supplies account and 2) an equivalent decrease in the cash account (the bank account).
Hence, The correct option is (c).
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according to mr. cochran, there is a strong, significantly positive relationship between diversity and corporate innovation. true or false
True, according to Mr. Cochran, there is a strong, significantly positive relationship between diversity and corporate innovation.
According to Mr. Cochran, research has consistently shown a connection between diversity and corporate innovation. A creative environment that promotes the development of original ideas is fostered by the diverse workforce, which brings a variety of experiences, backgrounds, and perspectives to the table.
Exposure to various cultures, attitudes, and values helps to lessen prejudices, fostering an innovative culture. A diverse customer base is drawn to a diverse workforce, which can offer important insights into their needs and preferences.
Businesses that make an investment in diversity and inclusion can gain a competitive edge, gain access to larger talent pools, and improve their capacity for innovation, all of which will ultimately result in higher profitability and growth.
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Icebreaker Company (a U. S. -based company) sells parts to a foreign customer on December 1, 2020, with payment of 16,000 dinars to be received on March 1, 2021. Icebreaker enters into a forward contract on December 1, 2020, to sell 16,000 dinars on March 1, 2021. The forward points on the forward contract are excluded in assessing hedge effectiveness and are amortized to net income using a straight-line method on a monthly basis. Relevant exchange rates for the dinar on various dates are as follows: Date Spot Rate Forward Rate (to March 1, 2021) December 1, 2020 $ 2. 70 $ 2. 775 December 31, 2020 2. 80 2. 900 March 1, 2021 2. 95 N/A Icebreaker must close its books and prepare financial statements at December 31. A-1. Assuming that Icebreaker designates the forward contract as a cash flow hedge of a foreign currency receivable, prepare journal entries for the sale and foreign currency forward contract in U. S. Dollars. A-2. What is the impact on 2020 net income
On the forward market, the dinar is selling for more money (the forward rate is higher than the spot rate). A premium of $1,200 [($2.775 $2.70) x 16,000 dinars] is included in the forward contract.
What is amortization?In accounting, amortization is the systematic depreciation of intangible assets over the course of their projected "useful economic life" to represent their consumption, expiration, obsolescence, or any other loss in value brought on by usage or the passage of time.
The premium will be amortized as an increase to net income over the life of the forward contract at the rate of $400 per month [$1,200 / 3 months].
a. Cash Flow Hedge
Date Journal Entry Debit Credit
12/1/20 Accounts Receivable (dinars) 43,200
Sales 43,200
Record sales revenue and the foreign currency
account receivable.
[$2.70 x 16,000 dinars]
No entry for the forward contract.
12/31/20 Accounts Receivable (dinars) 1,600
Foreign Exchange Gain or Loss 1,600
Revalue the foreign currency account receivable
and recognize a foreign exchange gain.
[($2.80 − $2.70) x 16,000 dinars]
OCI 2,000
Forward Contract 2,000
Then record the change in the fair value of forward
contract as a liability.
[($2.90 − $2.775) x 16,000 dinars]
Foreign Exchange Gain or Loss 1,600
OCI 1,600
Record the foreign exchange loss on the forward
contract in order to offset foreign exchange gains on
account receivable.
OCI 400
Foreign Exchange Gain or Loss 400
Amortize the forward contract premium to the net income
over life of the contract.
[$1,200 x 1/3 = $400]
Impact on 2020 net income:
Sales $43,200
Foreign exchange gain (loss) 400
Total $43,600
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what two qualities make up demand
The utility of a good or service to fulfil a need or want and the consumer's financial capacity are the two main determinants of demand. In essence, real demand occurs when a person's willingness and ability to pay support their willingness to gratify a want.
Among the most significant factors influencing demand are consumer income, preferences, and willingness to switch from one product to another. Since the marginal utility of goods decreases as the quantity owned rises, consumer preferences will depend in part on a product's market penetration. Demand is the consumer's intention to buy a specific product or service.
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U.S. beer manufacturers want to increase exports of beer to Canada by lowering the price of US beer in Canada. For this to happen, you advise your clients to ask the United States to approach Canada about? a. moning en moontob. removing to ving c. an export d. mpong
The removal of the beer tariff is the best approach to increase beer exports to Canada, hence option B is the appropriate response.
The number of goods that a country is permitted to import or export in a certain period of time is capped by a quota, a trade limitation imposed by the central government. Tariffs are trade-related tariffs that the government imposes on products in order to raise their price and shield domestic and local businesses from foreign competition.
The cost of goods often rises as a result of tariff barriers on exports, which lowers their affordability and discourages people from purchasing such goods.
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which action can be considered a product decision?
It is possible to classify a variety of behaviors as product decisions. For instance, decisions about a specific product, such as its design or quality decisions about a product line and decisions about the product mix can all be seen as decisions on a specific product.
The choice of what goods or services a business will sell is known as a product decision. To successfully develop a marketing mix and achieve the company's goals, several choices are essential. Before we go into the specifics of product decisions, let's quickly look at some examples of the different kinds of decisions marketers might make. Marketers take into account: The primary benefit of the product when making decisions about products. Examples include.
You can slake your thirst with mineral water.
You get from place A to place B via a bus.
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auro Products distributes a single product, a woven basket whose selling price is $15 per unit and whose variable expense is $12 per unit. The company's monthly fixed expense is $4,200 Required: 1. Calculate the company's break-even point in unit sales. 2 Calculate the company's break-even point in dollar sales3. If the company's fixed expenses increase by $600, what would become the new break-even point in unit sales? In dollar sales? Answer is complete but not entirely correct. 1. Break-even point in unit sales 1,400 baskets2. Break-even point in dollar sales $ 21,0003. Break-even point in unit sales 4,200 baskets4. Break-even point in dollar sales $ 21,000
When the Fixed costs changes it's necessary to find a new break even point: -$ 4.800 for Annual Fixed Costs.
Calculate the break-even point of the company's unit sales. We need to sell 1,400 units.
Calculate the company's breakeven point in sales. You need to sell an amount of $21,000.
If the company's fixed costs increase by $600, what will be the break-even point for new unit sales?
With 1,400 units sold, the breakeven point for dollar sales is $24,000.
explanation:
The first break-even point indicates:
woven basket
Quantity 1,400
TOTAL Income Statement Unit
$21,000 Total Net Sales $15
-$16,800 variable cost -$12
$4,200 Contribution Margin $3
-$4,200 annual fixed cost
As your fixed costs change, you'll need to find a new break-even point.
TOTAL Income Statement Unit
$24,000 Total Net Sales $15
-$19,200 Variable cost -$12
$4,800 Contribution Margin $3
-$4,800 annual fixed cost
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formula of unemployment rate
The formula for the unemployment rate is Unemployment rate = (Number of unemployed individuals / Labor force) x 100
The unemployment rate is a measure of the percentage of the labor force that is unemployed and actively seeking work. It is calculated by dividing the number of unemployed individuals by the total number of individuals in the labor force and multiplying by 100.
The labor force includes all individuals who are either employed or unemployed but actively seeking work. It does not include individuals who are not seeking work, such as retirees, stay-at-home parents, or students.
The number of unemployed individuals includes all individuals who are not currently employed but are actively seeking work. It does not include individuals who are not seeking work, such as those who have given up on finding employment.
The unemployment rate is an important economic indicator that provides insights into the health of the labor market. A high unemployment rate can indicate a weak economy, while a low unemployment rate can indicate a strong economy with high levels of job growth.
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all the uncontrollable forces originating outside the home country that surround and influence the firm are part of the blank environment. multiple choice question. international foreign global transnational
All the uncontrollable forces originating outside the home country that surround and influence the firm are part of the international environment.
What is an international environment?The international environment is the set of external uncontrollable factors that a firm encounters when it engages in international business. These factors may include economic factors such as exchange rates, inflation, and economic growth rates in foreign markets, political factors such as the stability of the host country's government, regulations, and political risks, cultural factors such as language, religion, and social norms, and legal factors such as laws and regulations related to trade and commerce in foreign markets.
For firms engaging in international business, the international environment is an important consideration. Understanding the unique features of each foreign market is crucial to developing successful business strategies. Factors such as differences in consumer preferences, cultural norms, and legal regulations can have a significant impact on a company's success in foreign markets.
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what should the local regulatory authority do during an inspection?
These regulatory agencies send inspectors to facilities on occasion to check on operations and make sure they are following all laws, rules, and regulations.
What is the purpose of an inspection by a regulatory authority?At the state and local levels, rules are written and enforced. In order to ensure the food they serve is safe, all businesses need to follow certain procedures. The operation is informed that it complies with the minimum requirements through the inspection procedure.
What roles and responsibilities does the regulatory authority play?safeguarding the public interest. monitoring compliance with other legal and regulatory requirements, as well as contractual obligations to the government and users. monitoring compliance with technical, safety, and quality standards (if they are not specified in the contract agreements). Our government's efforts to protect the environment, increase workplace safety, and improve transportation safety all depend on inspections.
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a companys strategy is most accurately defined as
A company's strategy is basically the commitment of the management in order to pursue certain actions which are involved in growing the business, successful competing and performance.
The strategy of the company is defined as the commitment of the company's management commitment to pursue certain actions which will eventually help in growing the business, pleasing as well as attracting customers, competing successfully with other businesses, conducting some operations and also improving the company's performance in the market.
It is the game plan of the management for capitalizing on the available opportunities for growing. A business strategy basically informs how a certain organization is planning to compete in a market and how it is planning to grow.
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True/False. Sport management researchers are interested in questions relating to marketing, finance, communication, human resources, and policy.
Questions pertaining to marketing, finances, communication, human resources, and policy are of interest to sport management researchers. This statement is True.
Sport management research is the act of locating and analyzing particular phenomena or problems that are peculiar to the field of sport management. Any topic, such as organizational behavior and theory, ethics, sponsorship and sales, governance, facility, and event management, or economics and finance, maybe the focus of the study.
Sports researchers can learn more about sports management through study, which also helps them better comprehend the various potential occurrences in the sector. The knowledge they obtain will help them in their efforts to enhance the organization.
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T/F: The number-one cause of divorce in North America today is stress and disagreements over money
The number-one cause of divorce in North America today is stress and disagreements over money - True
Wedding dissolution is referred to as divorce. Divorce cases have significantly increased in frequency during the past few decades. Despite being an often touted figure, In North America today, stress and disputes over money are not totally correct. There is no one "number-one cause of divorce that applies to all couples in the country, despite the fact that financial concerns can undoubtedly be a significant source of stress and conflict in marriages.
Divorce is a complicated and diverse process that can be influenced by a wide range of personal and cultural circumstances, including challenges with communication, infidelity, conflicting goals or ideals, emotional or physical abuse, substance misuse, and mental health problems. It is crucial to understand that divorce is a difficult and personalised decision and that every person's reasons for calling it quits on their marriage may be different.
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given all of the factors listed in the preceding question, what strategy would make the most sense for the championship team as it prepares for the upcoming season?a. Sign a free-agent outfielder to bolster the current roster and sign the young pitchers to long-term contracts. b. Assume that as the players age, they will continue to produce at their current levels. c. keep the Giants intact and do not hire any new players because the team was good enough to win the World Series. d. Trade the Giants' young pitchers to another team for minor-league prospects who aren't ready for the major league.
The most sensible strategy for the championship team as it prepares for the upcoming season would be option a, which is to sign a free-agent outfielder to bolster the current roster and sign the young pitchers to long-term contracts.
The team's success in the previous season was partly due to the contributions of its young pitching staff, and signing them to long-term contracts would ensure their continued presence and performance for the team. Additionally, adding a free-agent outfielder would improve the team's overall roster depth and talent level. Assuming that the players will continue to produce at their current levels is risky, as it doesn't account for potential injuries or declines in performance. Baseball is a physically demanding sport, and injuries can happen at any time, which could significantly impact the team's performance. Additionally, players can experience declines in their performance due to age or other factors, which could affect the team's overall success. Keeping the team intact without any new additions could also make the team vulnerable to complacency and lack of improvement. While the team had a successful season, the competition in baseball is fierce, and other teams will be working hard to dethrone the champions. Therefore, it's essential to continue making improvements and adding new talent to the team to maintain their success. Finally, trading the young pitchers for minor-league prospects who aren't ready for the major league would be detrimental to the team's chances of repeating as champions. The young pitchers played a significant role in the team's success in the previous season, and trading them away would weaken the team's pitching rotation. Additionally, acquiring minor-league prospects who aren't ready for the major league wouldn't provide any immediate benefit to the team, and it would be a risky move.
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When an economy is in full employment equilibrium?
An economy is in full employment equilibrium or economic equilibrium when the utilization of the resources for the production.
The economic equilibrium is the condition in which the economic forces are balanced. In the economic factor, the economic variables remain unchanged from the value of economic in the absent of external influences.
The full employment of equilibrium is referred to the situation where aggregate the demand that is equal to the aggregate supply when the full employment in the economy.
There are two types of economic equilibrium is microeconomic equilibrium and macroeconomic equilibrium.
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Pitman Company is small but growing manufacturer of telecommunications equipment. The company has no sales force of its own; rather, it relies completely on independent sales agents to market its products. These agents are paid a commission of 15% selling price for all items sold.
Barbara Cheney, Pitman’ controller, has just prepared the company’s budgeted income statement for next year. The statement follows:
Pitman Company
Budgeted Income Statement
For the Year Ended December 31
Sales……………………………………………………………………………………
$16,000,000
Manufacturing costs:
Variable………………………………………………………………………
7,200,000
Fixed overhead…………………………………………………………..
2,340,000
9,540,000
Gross margin………………………………………………………………………
6,460,000
Selling and administrative costs:
Commissions to agents……………………………………………….
2,400,000
Fixed marketing costs…………………………………………………
120,000
Fixed administrative costs…………………………………………..
1,800,000
4,320,000
Net operating income………………………………………………………..
2,140,000
Fixed interest cost……………………………………………………………..
540,000
Income before income taxes……………………………………………..
1,600,000
Income taxes (30%)……………………………………………………………
480,000
Net income………………………………………………………………………..
1,120,000
*primarily depreciation on storage facilities.
As Barbara handed the statement to Karl Vecci, Pitman’s president, she commented, "I want ahead and used the agents’ 15% commission rate in completing these statements, but we’ve just learned that they refuse to handle our products next year unless we increase the commission rate to 20%".
"that the last straw", Karl replied angrily. "Those agents have been demanding more and more, and this time they’ve gone too far. How can they possibly defend a 20% commission rate?"
"they claim that after paying for advertising, travel, and the other costs of promotion, there’s nothing left over for profit," replied Barbara.
"I say it’s just plain robbery", reported Karl. "And I also it’s time we dumped those guys and got our own sales force. Can you get your people to work up some cost figures for us to look at?"
"We’ve already worked them up," said Barbara. "Several companies we know about pay a 7.5% commission to their own salespeople, along with a small salary. Of course, we could have to handle would be more than offset by the $3,200,000 (20% x $1,600,000) that we would avoid on agents commission."
The breakdown of the $2,400,000 cost follows:
Salaries:
Sales managers…………………………………..
$ 100,000
Sales persons……………………………………..
600,000
Travel and entertainment………………………..
400,000
Advertising……………………………………………….
1,300,000
Total………………………………………………………….
2,400,000
"Super", replied Karl. "And I noticed that the $2,400,000 is just what we’re paying the agents under the old 15% commission rate."
"It’s even better than that," explained Barbara. "We can actually save $75,000 a year because that’s what we have to pay the auditing firm now to check out the agents reports. So our overall administrative costs would be less."
"Put all of these numbers together and we’ll show them to the executive committee tomorrow," said Karl. "With the approval of the committee, we can move on the matter immediately."
Required:
1. Compute Pitman Company’s break-even point in sales dollars for the next year assuming:
a. The agents’ commission rate remains unchanged at 15%
b. The agents’ commission rate is increased to 20%
c. The company employs its own sales force.
2. Assume that Pitman Company decides to continue selling through agents and pays the 20% commission rate. Determine the volume of sales that would be required to generate the same net income as contained in the budgeted income statement for next year.
3. Determine the volume of sales at which net income would be equal regardless of whether Pitman Company sells through agents (at a 20% commission rate) or employs its own sales force.
4. Compute the degree of operating leverage that the company would expected to have on December 31 at the end of next year assuming:
a. The agents commission rate remains unchanged at 15%
b. The agents’ commission rate is increased to 20%.
c. The company employs its own sales force.
Use income before income taxes in your operating leverage computation.
5. Based on the data in (1) through (4) above, make a recommendation as to whether the company should continue to use sales agents (at a 20% commission rate) or employ its own sales force. Give the reasons for your answer.
1. a. Break-even point (Sales) = Fixed Costs / (1 - Contribution Margin Ratio)
= ($9,540,000 + $2,400,000) / (1 - 0.15)
= $16,800,000
b. Break-even point (Sales) = Fixed Costs / (1 - Contribution Margin Ratio)
= ($9,540,000 + $2,400,000) / (1 - 0.20)
= $18,000,000
c. Break-even point (Sales) = Fixed Costs / (1 - Contribution Margin Ratio)
= ($9,540,000 + $2,400,000 - $75,000) / (1 - 0.075)
= $17,000,000
2. Sales = (Fixed Costs + Desired Net Operating Income) / Contribution Margin Ratio
= ($9,540,000 + $2,140,000) / 0.20
= $17,675,000
3. Break-even Point (Sales) = Fixed Costs / (1 - Contribution Margin Ratio)
= ($9,540,000 + $2,400,000 - $75,000) / (1 - 0.075)
= ($9,540,000 + $2,400,000) / (1 - 0.20)
= $17,675,000
4. a. Operating Leverage = % Change in Net Operating Income / % Change in Sales
= (1,600,000 - 2,140,000) / (16,000,000 - 18,000,000)
= -1.5
b. Operating Leverage = % Change in Net Operating Income / % Change in Sales
= (1,600,000 - 2,140,000) / (16,000,000 - 18,000,000)
= -1.5
c. Operating Leverage = % Change in Net Operating Income / % Change in Sales
= (1,600,000 - 2,140,000) / (16,000,000 - 17,000,000)
= -1.25
5. The company should continue to use sales agents at a 20% commission rate. This is because the cost of employing its own sales force and the cost of paying the agents a higher commission rate are the same.
What is Break-even point ?Break-even point (BEP) is a financial measure that is used to determine when a company's total revenue is equal to its total expenses. This is the point at which a company makes no profit or loss, and is considered a critical point for businesses to monitor, as it helps them gauge their performance and make better decisions about their operations. It is calculated by dividing the company's total fixed costs by the difference between its average revenue per unit and its average variable cost per unit. Once a business reaches its break-even point, it can begin to generate profits, and any increase in revenue will result in higher profits.
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even though the rents can be higher, an end or corner location is generally better. true or false?
Even though the rents can be higher, an end or corner location is generally better. - True
Businesses that depend on foot traffic may do better on an end or corner site since they are more accessible to and visible to pedestrians. Cafes, shops, and restaurants that operate in the retail or hospitality industries might gain a lot from using this strategy.
Conversely, a position further from the corner can be more suitable for firms that rely more on automobile traffic or have a larger parking lot. In addition to this, the total rent for an end or corner location could be more expensive than for a spot further down the block, which might not be an option for many businesses, especially those with few resources.
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tariff is a _____ imposed on a good when it is _____.
tariff is a tax imposed on a good when it is imported into a country
what are some drawbacks you can think of if you were to choose an income-driven plan when you could be making higher payments?
Income-driven plans award you a mortgage amount based on your socio - economic status size in an attempt at making your repayment of student loans more affordable.
Your monthly payment amount is determined differently under each type of income driven plan, and each has its own qualifying restrictions. Also, your payments can increase and any unpaid interest might be capitalised or added to the loan principal if you don't recertify your income-based repayment plan. You will be transferred to an alternative plan, where your monthly payments won't be determined by your income, if you fail to recertify your plan. If you don't recertify for some IBR plans, your monthly premium will no longer be based on your income even though you'll still be covered by the plan.
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being a spender has many more positives than being a saver. True or false?
This statement is subjective and there is no objective answer. It depends on one's personal financial goals, values, and circumstances.
Being a spender may have some positive aspects, such as enjoying experiences, acquiring new possessions, and supporting the economy through consumption. However, excessive spending can also lead to financial problems, debt, and stress.
Being a saver, on the other hand, may also have some positive aspects, such as building financial security, preparing for unexpected events, and having the freedom to make choices. However, saving may also mean delaying gratification, sacrificing immediate wants for future goals, and missing out on some financial goals.
Ultimately, the key to financial success is finding a balance between spending and saving that aligns with one's personal goals and values.
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what is most profitable activity of residential mortgage banking
Loan servicing is the most profitable activity of residential mortgage banking
A mortgage bank is a type of bank that specialises in mortgage financing. It might be involved in mortgage loan origination, servicing, or both. Banks either choose to sell the loans on the secondary market or lend consumers their own money in exchange for interest-bearing payments. A mortgage banker is a company, person, or organisation that initiates mortgages. Mortgage bankers either employ their own funds or money borrowed from a warehouse lender to fund mortgages. A mortgage banker may choose to keep a newly produced mortgage in their portfolio or sell it to an investor.
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cocreation occurs when a customer and a firm collaborate on a product or service. T/F
When a company and a client work together to create a good or service, this is called co-creation. This statement is true.
Co-creation is a process of jointly creating value between the customer and the firm. It involves collaboration between the customer and the company to design and develop a product or service that meets the customer's needs and preferences.
Co-creation is a customer-centric approach that recognizes that customers have unique insights and knowledge about their own needs and preferences. By involving the customer in the design and development process, companies can create products and services that are more aligned with the customer's expectations and desires.
Co-creation can take many forms, from online communities and crowdsourcing to in-person focus groups and workshops. It is becoming an increasingly popular strategy for companies looking to differentiate themselves in a crowded market by offering personalized and unique products and services that meet the specific needs and wants of their customers.
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What are the highest and the lowest priced commodities in matrixville? list the inhabitants of this charming town in order of increasing income. If our friend bob makes $40,000 per year, what are the incomes for the rest of the inhabitants? with all the moonshine that bob drinks, do you think he will live long enough to enjoy his good life?
With all the moonshine Bob consumes, his health will suffer and he will not be able to live a happy life. The other residents will receive the quantity according to the ratio determined by the organisation.
It illustrates how your business is using its resources and paying for its expenses in order to generate profits. Because it demonstrates how well the organisation is doing, the profitability ratio should be as high as it can be. Among the profitability ratios, profit margin and return on assets and equity are two examples. Ratio analysis looks at line-item data from a company's balance sheet to provide insights on profitability, liquidity, operational performance, and solvency. Ratio analysis enables you to compare businesses within the same industry or market and follow the evolution of one particular business.
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when your equity position in a security is less than the required amount, your brokerage firm will issue a: margin call. margin certificate. cash certificate. leverage call. limit order.
When your equity position in security is less than required amount, your brokerage firm will issue margin call.
What is brokerage?Buyers and sellers use a brokerage firm or brokerage company as a middleman to complete a transaction for stocks, bonds, options, and other financial instruments. The dealer receives payment in the form of commissions or fees after the transaction is completed. Businesses substitute this lost revenue from one source with another by paying trading commissions for other goods like mutual funds and bonds as well as paying the exchanges for sizeable orders. Brokerage companies exist to help their clients connect buyers and sellers at a price that benefits both sides in a trade while also charging a fee for their services. Additionally, full-service brokerages offer research and guidance on a variety of financial goods.
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non-cash items do not affect:a. cash flowb. earnings per sharec. retained earningsd. net income
Option A is correct. Non-Cash Items do not affect Cash Flows. Non-cash items are alluded to as those passages on an income proclamation or pay explanation that don't include genuine money exchanges.
The proportion of how much cash is made by an organization's customary business tasks is called operating cash flow (OCF). Working income shows in the event that a business can deliver sufficient positive income to help and extend its tasks; if not, it might require outside finance for capital development.
Fundamental measurement for evaluating the monetary presentation of an organization's principal business tasks is working income.
A cash flow statement's initial part, which likewise contains cash from effective money management and supporting exercises, shows working income.
The backhanded strategy and the immediate methodology are the two methods for showing working income on an income explanation.
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