Mortgage-backed securities (MBS) are investment instruments backed by mortgages.
These securities can be backed by a single mortgage, a pool of mortgages, or a group of mortgage-backed securities. In the United States, these securities are commonly known as mortgage-backed securities.
They were used to attract more investors into the market, as they are designed to make investing in mortgages more accessible and efficient.Investors in mortgage-backed securities, or MBS, receive payments from borrowers' interest and principal payments.
Mortgage-backed securities are also tradable, making them an attractive investment option for a variety of investors.In the early 1980s, mortgage-backed securities became popular in the United States as a way to finance home purchases.
Many investors were attracted to the high returns and low risk associated with these securities. The investors were drawn to the market because it provided higher yields than traditional government or corporate bonds with the same credit rating.
The securitization of mortgages also helped to increase the number of mortgages available in the market, providing more liquidity and making it easier for borrowers to obtain a loan. The increase in liquidity was good for the mortgage industry as a whole, as it allowed lenders to lend more money and for longer periods.
The MBS market has evolved since its inception in the 1980s. There are now many types of MBS, including those backed by government-sponsored entities such as Fannie Mae and Freddie Mac, and those backed by private investors.
The market has also expanded to include commercial mortgage-backed securities (CMBS), which are backed by commercial real estate mortgages.
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during a meeting you discover that a project manager has prepared a report that states that a project had an spi of 1.2. you also learn that the way the project manager was calculating earned value was not correct and that the project is behind schedule. what is your professional and social responsibility toward this project manager? seleccione una: a. report the project manager to the sponsor b. mentor the project manager on the correct way to calculate earned value and review with him what he is reporting c. mentor the project manager on the correct way to calculate earned value d. review with the project manager what he is reporting
The professional and social responsibility towards this project manager is to b. Mentor the project manager on the correct way to calculate earned value and review with him what he is reporting.
Earned Value (EV) is the value of the completed work that has been planned for a project up to a given point in time. It is also known as the Budgeted Cost of Work Performed (BCWP).
Earned Value (EV) calculation: EV = % of work complete * total budget
The Schedule Performance Index (SPI) is a performance measurement tool used in project management to calculate the progress and efficiency of a project. The SPI is the ratio of the Earned Value (EV) to the Planned Value (PV).
SPI = EV / PV
The project manager is responsible for ensuring the project's success by meeting the objectives within the allocated time and budget. As a fellow project manager, it is your duty to mentor the project manager on the correct way to calculate earned value and review with him what he is reporting.
Reporting the project manager to the sponsor without providing any guidance would not be a viable solution, and it could be perceived as a hostile gesture.
Therefore, the professional and social responsibility of the project manager involves mentoring them on the proper method for calculating earned value and reviewing their reported data with them.
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sue's office building was damaged by a fire caused by a careless tenant. after paying sue for the loss, the insurance company sued the tenant to recover its loss. this suit is based on the principle of
The suit that the insurance company brought against the tenant for recovery of loss after paying Sue for the loss due to fire caused by the tenant is based on the principle of subrogation.
What is subrogation?Subrogation refers to a process by which an insurance company seeks compensation from a third party for the amount the insurance company paid to the insured. If someone has been compensated by an insurance company for a loss, and the loss was caused by another person, the insurance company may take legal action against the responsible party to recover the amount paid to the insured. This process is known as subrogation.
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week 3 learning how to negotiate is all about communication and how one conducts themselves around others. what leadership skills do you feel one needs to practice diversity, equity, and inclusion with an unconscious bias during the negotiation process?
In order to practice diversity, equity, and inclusion with an unconscious bias during the negotiation process, the following leadership skills need to be practiced:
Empathy: It is a critical leadership skill that promotes diversity, equity, and inclusion. Empathy requires understanding and acknowledging the feelings, experiences, and challenges of others, including those who are different from us. Empathy also helps leaders develop more effective and sensitive communication strategies.Inclusivity: This is a leadership trait that values, welcomes, and incorporates diverse perspectives, backgrounds, and experiences. Inclusive leaders create a safe and welcoming environment for everyone to contribute and be heard. Inclusion also requires leaders to be aware of their own unconscious biases and work towards overcoming them.Active Listening: This involves listening to others with full attention and without interrupting them. Active listening requires leaders to be present in the moment and engage in meaningful conversations. Active listening promotes respect, openness, and trust, which are critical to fostering diversity, equity, and inclusion in the workplace.Communication: Clear and effective communication is essential for successful negotiation. It is crucial for leaders to use clear, concise, and unambiguous language to convey their ideas, thoughts, and expectations. Good communication also involves active listening, asking questions, and clarifying expectations.Awareness of Unconscious Bias: It is important for leaders to recognize and address their own unconscious biases. Unconscious biases can interfere with effective communication and decision-making, especially when negotiating with people from diverse backgrounds. Leaders who are aware of their unconscious biases are more likely to make fair and objective decisions.To know more about Unconscious biases refer to-
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if a non-exempt seller elects to complete the residential property condition disclaimer statement form, what must the seller obtain?
When a non-exempt seller elects to complete the residential property condition disclaimer statement form, the seller must obtain a written statement from the buyer acknowledging receipt of the statement.
This acknowledgement must be obtained before or at the time the buyer executes a binding contract of sale.
What is a Residential Property Condition Disclosure Form?A Residential Property Condition Disclosure Form is a document that must be completed by home sellers when they sell a residential property. The seller must complete the form and provide it to the buyer before the contract is signed.
The form must be completed to the best of the seller's knowledge and belief.If a seller completes a Residential Property Condition Disclosure Form, they're exempt from the obligation to disclose information about the property's condition that's already listed on the form.
The form includes information such as structural issues, roof leaks, past water damage, environmental hazards, etc. The form may also include information on the plumbing, heating and cooling systems, electrical systems, and appliances.
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anton company uses the perpetual inventory method. anton purchased 960 units of inventory that cost $5 each. at a later date the company purchased an additional 1,020 units of inventory that cost $7 each. if anton uses the fifo cost flow method and sells 1,400 units of inventory, the amount of cost of goods sold will be:
The amount of cost of goods sold for Anton Co. using the FIFO cost flow method and selling 1,400 units of inventory is $7,880. The correct answer is Option B.
Under the perpetual inventory method, the cost of the inventory is tracked as it is purchased and sold. Therefore, when using the FIFO cost flow method, the cost of the oldest inventory is used first.
In this case, 960 units of inventory cost $5 each, and 1,020 units cost $7 each. The cost of goods sold will be calculated by subtracting the remaining inventory from the cost of the sold inventory.
The remaining inventory is (960 units x $5) + (420 units x $7) = $7,880.
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If, after a deposit outflow, a bank needs an additional $3 million to meet its reserve requirements, the bank can increase loans by $3 million. repay its discount loans from the Fed. sell $3 million of securities. reduce deposits by $3 million
If, after a deposit outflow, a bank needs an additional $3 million to meet its reserve requirements, the bank can sell $3 million of securities.
A portion of the deposits held by banks and other depository institutions (savings institutions, credit unions, and foreign banking entities) must be held as reserves. Reserves may be kept by depository institutions as bank deposits or as cash in the vault. By increasing the amount of excess reserves it holds, a financial institution can raise its credit rating. As a result of the cash or deposit held not being invested to produce higher returns, particularly over the long term, higher excess reserves also result in higher opportunity costs.
As the required reserve ratio rises, the money multiplier falls, reducing the amount of money in circulation. This occurs because banks are not able to loan out as much money, which means that when you deposit $1 in a bank, less money is created.
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true or false: employees provide a non-replicable competitive advantage to the organization no matter what practices hr implements in the organization.
The statement "employees provide a non-replicable competitive advantage to the organization no matter what practices HR implements in the organization" is FALSE.
What are employees?Employees are individuals hired by an organization or a firm for the purpose of accomplishing certain tasks or work-related duties. Employees are the key to the success or failure of any organization. The skills, experience, knowledge, and hard work of employees are what differentiate one organization from another. As a result, HR practices play a crucial role in ensuring that organizations can recruit, maintain, and develop top-notch personnel who can assist in achieving the organization's objectives.
The HR department is essential to a business's success because it ensures that the organization's most valuable resource, employees, is treated fairly and is working in a safe, productive environment. The HR department ensures that employees have access to the tools and training they need to succeed in their jobs. Furthermore, the HR department manages employee benefits, policies, procedures, and other HR-related matters.
The organization's competitiveness is determined by the skill, dedication, and hard work of its employees. Although HR practices can aid in the selection, training, and retention of top-notch personnel, it cannot guarantee the development of an unmatchable competitive advantage. Instead, the organization must ensure that it has a distinct business strategy, objectives, values, and culture that are well-known to all employees. Only when these elements are in place can the organization create a one-of-a-kind, difficult-to-replicate competitive edge.
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typical returns on acquisitions for the shareholders of the acquiring firms are close to zero. true false
The statement "typical returns on acquisitions for the shareholders of the acquiring firms are close to zero." is false because The typical returns on acquisitions for the shareholders of the acquiring firms vary widely.
Generally speaking, however, these returns are usually positive, with the median value being around 6%. Research has found that acquisitions can create value for shareholders by allowing them to leverage a target's assets and capabilities, access new markets, or improve their competitive positioning.
Acquisitions may also lead to increased productivity, allowing shareholders to realize higher profits through cost savings and improved efficiency. On the other hand, acquisitions can also destroy value by overestimating the potential benefits or by overpaying for the target company.
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X х Connect Find Your Acad ublications Main Menu х education.com/ext/map/index.html?_con=con&external_browser=0&launchUrl=https%253A%252F%2... Saved Help Save am #20 MC MR ATC Dollars AVC n hk Output According to the information in the provided diagram, this firm is producing in a(n) Output According to the information in the provided diagram, this firm is producing in a(n) Multiple Choice monopolistic market. oligopoly market monopolistically competitive market. market that sells a homogeneous product.
According to the information in the provided diagram, this firm is producing in an (d) Market that sells a homogeneous product.
We know that the products sold in a homogeneous product market are identical, meaning that they have the same characteristics, quality, and features, and are considered perfect substitutes for each other.
It means that buyers have no preference for one seller's product over another, and they will choose the product that is available at the lowest price.
The given diagram represent a firm is producing in perfectly competitive market where all Firms sells homogenous Product and there are large number of firms where each of them are marginally small due to which firm is a price taker which means no firm can increase market price.
Therefore, the correct option is (d).
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The given question is incomplete, the complete question is
According to the information in the provided diagram, this firm is producing in an
(a) Monopolistic Market
(b) Oligopoly Market
(c) Monopolistically Competitive Market
(d) Market that sells a homogeneous product.
which of the following statement is correcct? one of the advantages of a corporation from a social standpoint is that every stockholder has equal voting rights
The correct statement is that every stockholder has equal voting rights.
This is an advantage of a corporation from a social standpoint because it ensures that all stockholders, regardless of the amount of shares they own, have an equal say in decisions that are made.
It also helps to prevent any individual from having too much power over the corporation, thus protecting the rights of all the stakeholders.
On the other hand, unequal voting rights can give a large stockholder or a small group of stockholders control over the company. This can lead to decisions that are not in the best interest of the corporation or its stakeholders.
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the market equilibrium price for three-bedroom apartments in kansas city is $1,300. what will happen to the apartment market in this city if the city government decides to set the price for three-bedroom apartments at $1,000 in an attempt to make apartment living more affordable for local families?
If the city government sets the price for three-bedroom apartments at $1,000 in an attempt to make apartment living more affordable for local families, it will cause an artificial decrease in the market equilibrium price of the apartments from $1,300 to $1,000.
This will lead to an increase in the quantity of apartments demanded, as more families are able to afford the decrease in price. In turn, this will create an excess demand for three-bedroom apartments as the current supply is unable to meet the influx of demand. As a result, the price of three-bedroom apartments in Kansas City will likely increase due to the increase in demand and the fixed supply of apartments.
This will counter the city government’s goal of making apartment living more affordable for local families, and may even lead to an increase in rental prices.
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which of the following is an example of wasted flow time? multiple choice ringing up sales at a register a long waiting time at a checkout merchandise returned to a store idle time of a cashier
The option that is an example of wasted flow time is a long waiting time at a checkout. Wasted flow time refers to the period when products are not being physically worked on, but instead are waiting in the queue to be processed.
What is flow time? Flow time is defined as the total duration of a task from its beginning to its end. In other words, it's the length of time it takes to complete a specific task. It comprises processing time, inspection time, move time, and wait time. What is wasted flow time? Wasted flow time occurs when products are waiting in the queue for processing instead of being worked on. As a result, the flow of goods is delayed, which causes additional costs and wastes valuable resources.
How can flow time be reduced? The following are some approaches to reduce flow time: Reducing the size of batches would aid in the reduction of wait time. In addition, work can be moved to another workstation to balance the workload. Improving the efficiency of workers reduces process time and, as a result, flow time. Arranging workstations to minimize the distance between them will help to reduce move time. Reducing inspection time by utilizing better quality control and testing procedures will help to reduce flow time.
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a chase strategy can create what major concern? multiple choice question. motivational impacts due to fear of being laid off during time of low production. low production due to economical impacts. high motivation since employees only have to work when needed. the inability to slow down production because you have too many employees.
The major concern created by a chase strategy is the inability to slow down production because you have too many employees.
This strategy involves maintaining a workforce that fluctuates in response to the market demands. If production unexpectedly drops, there may be too many employees for the available work, leading to a situation where there is an inability to slow down production.
This can have a negative impact on the motivation of employees due to the fear of being laid off during a time of low production, as well as economic impacts on the organization if resources are wasted due to overstaffing.
To maintain a balance between having enough workers to meet production demands and not having too many, organizations need to monitor and adjust their workforce to changing market demands.
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archie company purchased a framing machine for $64,000 on january 1, 2024. the machine is expected to have a four-year life, with a residual value of $8,000 at the end of four years. using the double-declining-balance method, depreciation for 2024 and book value on december 31, 2024, would be:
The double-declining balance (DDB) depreciation method is an accelerated depreciation method that uses double the normal depreciation rate1. The formula for DDB depreciation is:
Depreciation = 2 x SLDP x BV
where SLDP is the straight-line depreciation percent and BV is the book value at the beginning of the period1.
To calculate the depreciation for 2024 and book value on December 31, 2024, we need to follow these steps:
1. Find the beginning book value of the machine, which is $64,000.
2. Find the useful life of the machine, which is 4 years.
3. Find the salvage value of the machine, which is $8,000.
4. Find the straight-line depreciation percent, which is 1 / 4 = 0.25 or
25%.
5. Find the double-declining depreciation rate, which is 2 x 0.25 = 0.5 or 50%.
Apply the formula to find the depreciation for 2024:
Depreciation = 2 x 0.25 x $64,000 Depreciation = $32,000
Subtract the depreciation from the beginning book value to find the book value on December 31, 2024:
Book value = $64,000 - $32,000 Book value = $32,000
Therefore, the depreciation for 2024 is $32,000 and the book value on December 31, 2024, is $32,000.
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in order for demand for a good to be present, what two conditions must be present?
In order for demand for a good to be present, two conditions must be present:
The consumer must have the desire or need for the good.The consumer must have the willingness and ability to pay for the good.When both of these conditions are met, there is demand for the good, and a market can exist for it.
When both the desire or need for a good and the willingness and ability to pay for it are present, a demand for that good is created. This creates a market for the good where producers can offer the good for sale to consumers who are willing and able to pay for it.
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selecting the organizational structure and controls that effectively implement the chosen strategy is a challenge for managers because:
Selecting the organizational structure and controls that effectively implement the chosen strategy is a challenge for managers because firms must be flexible while retaining a degree of stability.
What is organizational structure?
The organizational structure is the framework that governs how job duties are divided and how power and responsibilities are assigned within a company. The organizational structure determines how roles, power, and responsibilities are delegated to various personnel inside a company or organization.
Each company's organizational structure is unique and should be tailored to its specific business objectives. The structure of an organization affects various aspects of how it operates, including its efficiency, decision-making, and ability to meet its goals, so getting it right is critical for a company's success.
In addition to organizational structure, it is necessary to establish controls that align with the company's strategic goals. Furthermore, they must implement procedures to evaluate whether the firm is progressing toward its strategic goals or not.
Therefore, the firm must be flexible while retaining a degree of stability.
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in price-taker markets, individual firms have no control over price. therefore, the firm's marginal revenue curve is a. a downward-sloping curve. b. indeterminate. c. constant at the market price of the product. d. precisely the same as the firm's total revenue curve.
In a price-taker market, individual firms have no control over the price of a product. Therefore, the marginal revenue curve of the firm in such markets is constant at the market price of the product. So, the correct answer is C. constant at the market price of the product.
The market price of a product is determined by market forces, and the individual firms cannot influence it. In price-taker markets, individual firms must accept the market price, and they cannot charge a higher price than the market price. Therefore, the marginal revenue curve of such firms is constant at the market price of the product.
The marginal revenue curve of a firm represents the additional revenue generated by selling one additional unit of the product. It is generally downward sloping as the firm has to lower the price of the product to sell additional units. However, in a price-taker market, the marginal revenue curve is horizontal, as the firm has to accept the market price.
Thus, option C. constant at the market price of the product is the correct answer.
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what can you do to effectively navigate a panel interview? check all that apply. maintain eye contact with the questioner as well as with others target all your answers toward the person on the panel who would be your supervisor make sure you meet with two or more interviewers on a one-on-one basis prepare basic biographical information about each interviewer direct all responses to the human resources representative
To effectively navigate a panel interview, you should
-Maintain eye contact with the questioner as well as with other panelists.
- Target all your answers towards the person on the panel who would be your supervisor.
- Prepare basic biographical information about each interviewer.
- Direct all responses to the panel as a whole, rather than to any individual member.
By taking these steps, you can ensure that your answers are directed to the right people and that you remain engaged throughout the interview process.
Additionally, it is important to remain professional and courteous throughout the interview, as these qualities will reflect positively on your candidacy.
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A business paper from which information is obtained for a journal entry.checkinvoicesource documentmemorandum
A source document is a business paper that serves as a record of a financial transaction and provides the necessary information for preparing a journal entry.
In the context of business and accounting, a source document is a crucial element, as it helps maintain accuracy, consistency, and transparency of financial records. Examples of source documents include invoices, checks, receipts, and memorandum. In this case, the invoice is the most relevant source document. An invoice is a commercial document issued by a seller to a buyer, detailing the products or services provided, their quantities, and agreed prices. It also includes terms of payment, discounts, and any taxes applicable.
When a business transaction occurs, the invoice serves as a source document that provides the required information for creating a journal entry. The journal entry is a record of a financial transaction in the company's general ledger, and it typically includes a date, the accounts involved, the amounts debited or credited, and a brief description of the transaction. Using an invoice as a source document ensures that journal entries are accurate and reflect the actual business transaction. This practice helps businesses maintain proper financial records, which are essential for making informed decisions, meeting regulatory requirements, and providing accurate financial statements to stakeholders.
In summary, a source document, such as an invoice, is a vital component in the accounting process, as it provides the necessary information for preparing a journal entry. This ensures accuracy and transparency in a company's financial records, ultimately contributing to better decision-making and compliance with regulations.
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using the rule of 70, if your parents place $10,000 in a deposit for you on the day you are born, approximately how much will be in the account when you retire at 70 years old if the deposit earns 3 percent per year?
$80,000 will be in bank account if you retire at 70 years old if the deposit earns 3 percent per year.
The Rule of 70 is a method for estimating how long it will take for a quantity to double. The formula is as follows:70 ÷ Annual Growth Rate = Number of Years for the Amount to Double. When a person is 70 years old, the money would have been in the account for 70 years. The account would have doubled if the growth rate was 3 percent. Using the Rule of 70, we may estimate how many years it would take for the account balance to double : 70 ÷ 3 = 23.3 years
As a result, we may use the rule of 70 to estimate how many times the account balance would double over the 70-year time frame : 70 ÷ 23.3 = 3 times. Since the account balance will double three times over 70 years, we must take the original deposit of $10,000 and multiply it by 2 three times : $10,000 × 2 × 2 × 2 = $80,000
As a result, we may anticipate that there will be roughly $80,000 in the account when the person turns 70 years old if $10,000 is deposited on the day they are born and earns a 3% interest rate.
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a stockholder-approved amendment to the certificate (articles) of incorporation may indemnify directors who: group of answer choices breached their duty of loyalty. acted in bad faith. acted negligently. all of the above.
A stockholder-approved amendment to the certificate (articles) of incorporation can provide protection for directors who have breached their duty of loyalty, acted in bad faith, or acted negligently. The correct answer is all of the above.
Under this amendment, the corporation can provide an indemnification for the director in the form of payment for any liabilities or expenses incurred due to their actions. The stockholder-approved amendment provides a legal obligation for the corporation to indemnify the directors.
In the event of a breach of the duty of loyalty, the directors may be liable for any losses suffered by the corporation. For example, if the directors had received a personal benefit from a transaction instead of acting solely in the interests of the corporation, they could be held liable for any losses suffered.
In the case of bad faith, the directors may be held responsible for any losses caused by their conscious decision to act in a way that was not in the best interests of the corporation. The corporation may have to pay damages to the corporation or its shareholders if the directors acted in bad faith.
Negligence may also lead to liability for the directors. If the directors failed to act with the required degree of care and diligence, the corporation may be liable for any losses resulting from this negligence according to the stockholder-approved amendment. Hence the right answer is all of the above.
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in which of the following does the firm see the greatest performance increases? group of answer choices humans leverage leadership and teamwork alongside machines that enhance speed. machines replace all human employees. humans complete all the tasks without any machines or computers. humans perform physical labor and machines are used for customer interactions.
The company experiences the most performance gains in the situation where people use teamwork and leadership in addition to machines that increase speed.
Increases performance are improvements to a system or process's efficacy, productivity, or efficiency. Performance improvements in the workplace might be related to team or individual performance, organisational performance, or financial performance. Businesses could aim to boost performance in order to increase profitability, boost customer happiness, or acquire a competitive edge. Process improvements, automation, technology adoption, training and development, and team building are just a few ways to raise performance. Businesses may find areas for development and monitor their progress towards their performance goals with the use of efficient performance management and measurement tools. Ultimately, improved performance can help firms succeed longer and sustain themselves.
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suppose the price elasticity of demand for bread is 0.20. if the price of bread falls by 10 percent, the quantity demanded will increase by: group of answer choices 20 percent and total expenditures on bread will rise. 20 percent and total expenditures on bread will fall. 2 percent and total expenditures on bread will fall. 2 percent and total expenditures on bread will rise.
The quantity demanded will increase by 2 percent and total expenditures on bread will fall. Therefore option 3 would be the correct answer.
The quantity of a good that consumers are willing and able to buy at different prices during a specific time is known as demand in economics. The demand curve is another name for the relationship between price and quantity demand. The perceived need for a product, its price, its perceived quality, its convenience, the alternatives that are offered, the buyers' disposable income and preferences, among many other factors, determine its demand.
An expenditure is a payment made in cash or on a credit card to buy goods or services. Unlike an expense, which is recorded in a period when it has been used up or expired, it is recorded at a single point in time (the time of purchase). The various types of expenses used in accounting and finance will be covered in this guide.
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when mario, general manager of taco bell, decided to inform his employees about the information from the higher ups, then make his taco bell locations central hubs for training, he was demonstrating both the informational and decisional roles of being a manager. (True or False)
The statement "when mario, general manager of taco bell, decided to inform his employees about the information from the higher ups, then make his taco bell locations central hubs for training, he was demonstrating both the informational and decisional roles of being a manager" is true .
As the General Manager of Taco Bell, Mario demonstrated both the informational and decisional roles of a manager. By informing his employees of information from the higher-ups, Mario acted in the informational role by disseminating important information.
Furthermore, by making his Taco Bell locations central hubs for training, Mario acted in the decisional role by creating a plan of action that benefited the company.
Mario exhibited a clear understanding of his role as a manager and the two roles that come along with it. By acting in both roles, Mario created a structure within his Taco Bell locations that enabled employees to receive the necessary information and training that was required to carry out their duties.
He also created a clear chain of communication between the higher-ups and employees, which is important for a successful business. Overall, Mario's decision to inform his employees and make his Taco Bell locations central hubs for training is a great example of how to utilize both the informational and decisional roles of being a manager.
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one of the most popular aids used by multi-business corporations to help determine which sbu's should receive the most strategic focus and resources is called a(n): question 19 options: diversification study. pims. segmentation analysis portfolio analysis. industry analysis.
One of the most popular aids used by multi-business corporations to help determine which SBUs (strategic business units) should receive the most strategic focus and resources is called a portfolio analysis.
Portfolio analysis is a tool that evaluates the performance and potential of a firm’s SBUs based on two dimensions: market attractiveness and competitive strength. Market attractiveness refers to the size, growth, profitability, and stability of the market in which the SBU operates. Competitive strength refers to the SBU’s ability to gain and sustain a competitive advantage over its rivals.
Based on these two dimensions, a portfolio analysis can classify the SBUs into four categories: stars, cash cows, question marks, and dogs. Stars are SBUs that have high market attractiveness and high competitive strength.
They are expected to generate high growth and profits in the future and should receive substantial investment and support. Cash cows are SBUs that have low market attractiveness but high competitive strength. They are mature and stable businesses that generate high cash flows but have low growth potential.
They should be maintained and harvested for their cash contribution. Question marks are SBUs that have high market attractiveness but low competitive strength. They are risky and uncertain businesses that require significant investment to improve their position and compete effectively.
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shibu has completed his review of different types of laptops and has decided on the model that best suits his graphic design needs. he prefers to pay off the laptop in installments, so he is talking with the sales representative about payment options, which is a common consideration during which stage of the consumer purchase decision process?
Shibu is now in the consumer purchase decision process' purchasing decision stage. At this point, the customer has already determined the nature of the issue or need, researched the available options, and assessed the trade-offs.
A consumer goes through a number of steps in the consumer purchase decision process before making a purchase. It starts with an awareness of a need or problem, which sparks a lookup of information regarding potential solutions. The buyer then assesses the choices and chooses which product to purchase. Finally, after making the purchase, the customer can assess the performance of the item and adjust their future purchasing choices accordingly. Many variables, including individual preferences, prior experiences, and marketing initiatives, have an impact on this process. Businesses may create efficient marketing tactics to draw in and keep customers by having a thorough understanding of the consumer buying decision-making process.
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question content area ebitda represents operating income after income tax, depreciation, and amortization have been deducted. true false
The correct answer is false. EBITDA stands for earnings before interest, tax, depreciation, and amortization.
It is a measure of operating income before these expenses have been deducted. EBITDA is often used as a proxy for cash flow or profitability, but it does not account for the cost of capital, working capital, or taxes. EBITDA can also vary depending on the accounting methods and assumptions used by different companies. Therefore, EBITDA should not be used as the sole indicator of a company’s financial performance or value.
The formula for EBITDA is:
EBITDA = Revenue - Operating expenses (excluding interest, tax, depreciation, and amortization)
Alternatively, EBITDA can be calculated as:
EBITDA = EBIT + Depreciation + Amortization
Where EBIT is earnings before interest and tax, which can be derived from the income statement as:
EBIT = Revenue - Operating expenses (excluding interest and tax)
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assume that the value of diagnostic equipment listed as an asset on the balance sheet suddenly falls because of technological obsolescence. how is the balance sheet adjusted to preserve the accounting identity?
To adjust the balance sheet to preserve the accounting identity in this scenario, the asset value would be reduced and an offsetting debit would be created to the retained earnings account. This will ensure that the total of the liabilities plus the owner's equity still equals the total of the assets.
To maintain the accounting identity, the balance sheet is updated to reflect the changes that have occurred. When a balance sheet's assets are revalued downward, the revaluation decreases the balance sheet's overall value while keeping the balance sheet's accounting identity intact.
The term "accounting identity" refers to the notion that a balance sheet must always balance. It is critical to maintain this balance since it serves as a financial picture of the company at a particular point in time. It's also utilized to keep track of the firm's financial status.
Because accounting is concerned with maintaining financial records that are as accurate as possible, it is critical to maintain the accounting identity on the balance sheet. Revaluations, which are conducted on a regular basis, are one method to achieve this. If an asset's value has fallen significantly, the balance sheet will be updated to reflect that fact.
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company z assigns $50,000 of its accounts receivable as collateral on a $40,000 loan on august 1, 2020. the loan is due on december 31, 2020. the bank assesses a finance charge of 3% of the receivables and interest of 6%. what is the total amount of cash that company z pays to the bank on december 31, 2020?
Given data: Amount of account receivable assigned, A = $50,000Amount of the loan, L = $40,000Finance charge on receivables = 3%
Interest on loan = 6%Date on which loan is due = December 31, 2020
To find: The total amount of cash that company Z pays to the bank on December 31, 2020We know that the finance charge will be calculated on the amount of account receivable assigned to the bank, which is $50,000.
So, finance charge = 3% of $50,000 = (3/100) × $50,000 = $1,500Interest on loan will be calculated on the amount of loan that has been taken by the company, which is $40,000.
So, interest = 6% of $40,000 = (6/100) × $40,000 = $2,400
Total amount of cash that company Z pays to the bank on December 31, 2020 will be the sum of the loan amount, finance charge, and interest amount.
Total amount = Loan amount + Finance charge + Interest amount = $40,000 + $1,500 + $2,400 = $44,900Therefore, the total amount of cash that company Z pays to the bank on December 31, 2020 is $44,900.
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fedex offers a money-back guarantee if your shipment does not arrive within 24 hours as they promise. fedex understands that when customers evaluate shipping services, the quality of
Delivery timing is frequently a crucial aspect. FedEx communicates to clients that they take delivery time seriously and are prepared to accept responsibility for any delays that may arise by providing a money-back .
The FedEx money-back promise is what?This money-back guarantee will be applicable to each package in a multiple-package shipment. Every package in the shipment that experiences a service failure will only get the fraction of the transportation fees that apply to it in the form of a refund or credit.
Does FedEx make timed delivery guarantees?You might be able to ask for a refund or an amended invoice if we failed to deliver your package on schedule. Learn more about our FedEx Money Back Guarantee Policy here. FedEx offers a money-back guarantee for certain transportation services subject to the FedEx Express Terms and Conditions of Carriage.
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