earl company uses the accrual method of accounting. here is a reconciliation of earl's allowance for bad debts for the current year. beginning allowance for bad debts $ 950,000 actual write-offs of accounts receivable during the year (899,600) addition to allowance 845,000 ending allowance for bad debts $ 895,400 because of the difference between the gaap rules and the tax rules for accounting for bad debts, earl company has a: multiple choice $54,600 temporary excess of taxable income over book income. $54,600 permanent excess of book income over taxable income. $54,600 temporary excess of book income over taxable income. $54,600 permanent excess of taxable income over book income.

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Answer 1

Based on the information provided, it appears that Earl Company has a temporary excess of book income over taxable income of $54,600. This is because the ending allowance for bad debts of $895,400 is less than the beginning allowance for bad debts of $950,000, meaning that the company wrote off less accounts receivable than it had anticipated at the beginning of the year.

This results in an addition to the allowance for bad debts of $845,000, which is added to book income but not taxable income. Therefore, book income is temporarily higher than taxable income by $845,000, which translates to a tax adjustment of $54,600 ($845,000 multiplied by the current tax rate).

It is important to note that this is only a temporary excess because the allowance for bad debts will likely be adjusted again in future years, which could result in a different tax adjustment. Additionally, it is important for Earl Company to carefully track and document any adjustments made for bad debts in order to comply with GAAP and tax regulations.

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ling works in inventory management. she is concerned about the costs of storing extra raw-materials inventory and finished-goods inventory due to supply-chain disruptions caused by the pandemic. these are called costs.

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Ling is referring to two types of costs related to inventory management: holding costs and stockout costs. Holding costs refer to the expenses incurred to store and maintain inventory, including storage fees, insurance, and inventory management software.

Ling is worried that the costs of holding excess inventory due to supply-chain disruptions caused by the pandemic will be too high.

On the other hand, stockout costs refer to the costs of running out of inventory and not being able to meet customer demand. This includes lost sales, rush shipping fees, and potential damage to a company's reputation. Ling may also be concerned about these costs if supply-chain disruptions result in shortages of raw materials or finished goods.

In summary, Ling is worried about both holding costs and stockout costs related to inventory management in the face of supply-chain disruptions caused by the pandemic.

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entrepreneurship provides many benefits to society, chiefly ____, new industry formation, and ____.

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Entrepreneurship provides many benefits to society, chiefly innovation, new industry formation, and job creation.

Innovation is one of the most significant benefits of entrepreneurship. Entrepreneurs are constantly seeking new and better ways of doing things, and they are not afraid to take risks to achieve their goals. This drive to innovate leads to the development of new products, services, and business models that can improve people's lives, create new markets, and boost economic growth.

New industry formation is another important benefit of entrepreneurship. By starting new businesses, entrepreneurs create new industries and markets that can provide goods and services that were previously unavailable or poorly served. This can lead to greater competition, lower prices, and better quality products and services.

Job creation is also a significant benefit of entrepreneurship. New businesses need employees, and entrepreneurs are often able to create jobs that provide meaningful work and good wages. This can help to reduce unemployment and poverty, and boost the overall economic well-being of a community or nation.

Entrepreneurs are often the driving force behind new ideas, technologies, and products that can transform industries and improve people's lives. By starting new businesses, they also create jobs and stimulate economic growth in their communities. Additionally, entrepreneurs often contribute to their communities through philanthropic initiatives and support for local causes. Overall, entrepreneurship plays a vital role in promoting social and economic progress.

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the ideal time to on-board core team members is when the project charter is being written.
T/F

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True. The ideal time to onboard core team members is when the project charter is being written. This ensures that key stakeholders and team members are involved from the beginning, leading to better communication and understanding of project goals and objectives.

The project charter is a critical document that defines the purpose, goals, scope, and key stakeholders of a project.

It also outlines the high-level approach and resources required to achieve the project's objectives. In essence, the project charter serves as the foundation upon which the entire project is built. Given the importance of the project charter, it is ideal to onboard core team members during its development phase. This ensures that the team members are involved in the initial stages of the project, are aware of the project's goals and objectives, and understand their roles and responsibilities. This also provides an opportunity for team members to offer their input and expertise, which can help to refine the project scope and approach. Onboarding core team members early also helps to establish a clear communication and collaboration framework for the project. By involving team members in the project charter development phase, they can better understand how their work will fit into the larger project and collaborate more effectively with other team members.

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thinking of cities as the product of intensive and strategic investment is central to __________.

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Thinking of cities as the product of intensive and strategic investment is central to urban planning and development. Urban planning is a process that involves the formulation of policies, plans, and designs for the use and development of land and other resources in urban areas.

The goal of urban planning is to create functional, attractive, and sustainable urban environments that meet the needs of residents and businesses.

Intensive and strategic investment in cities involves investing in infrastructure, public services, and amenities that enhance the quality of life for residents, attract businesses, and promote economic growth. This can include investments in transportation systems, housing, public spaces, cultural facilities, and education and healthcare services.

Urban planners use various tools and strategies to guide investment decisions, such as land use planning, zoning regulations, and public-private partnerships. By thinking of cities as the product of intensive and strategic investment, urban planners can create more livable, resilient, and sustainable cities that benefit everyone who lives and works in them.

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which of the following are characteristics of a perpetuity? check all that apply.the current value of a perpetuity is based more on the discounted value of its nearer (in time) cash flows and less by the discounted value of its more distant (in the future) cash flows.a perpetuity is a stream of unequal cash flows.a perpetuity is a stream of regularly timed, equal cash flows that continues forever.the value of a perpetuity is equal to the sum of the present value of its expected future cash flows.

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The characteristics of a perpetuity are:- A perpetuity is a stream of regularly timed, equal cash flows that continues forever. :- The value of a perpetuity is equal to the sum of the present value of its expected future cash flows.

A perpetuity is a type of investment that provides a constant stream of income, usually in the form of interest or dividends, that lasts indefinitely. It is a stream of regularly timed, equal cash flows that continues forever, and is typically used to describe investments such as bonds, preferred stocks, or real estate with perpetual leases.
One of the key characteristics of a perpetuity is that it has no maturity date, which means that it continues to generate income indefinitely. This also means that the value of a perpetuity is based solely on the present value of its expected future cash flows. In contrast, the current value of a perpetuity is not based more on the discounted value of its nearer (in time) cash flows and less by the discounted value of its more distant (in the future) cash flows. This may be true for other types of investments, such as bonds with fixed maturity dates, but not for perpetuities.
Finally, a perpetuity is not a stream of unequal cash flows. If the cash flows were unequal, it would not be a perpetuity, but rather an annuity or some other type of investment.

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The statement "Lemon meringue pie is the best dessert ever invented," is an example of a belief.

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Yes, the statement "Lemon meringue pie is the best dessert ever invented," is an example of a belief because it expresses a subjective opinion rather than a fact.

Beliefs are personal opinions or convictions that are held to be true by an individual or a group of individuals. In this case, the belief is that lemon meringue pie is the best dessert ever invented, which is a subjective opinion that may be different for other people.

In other words, beliefs are personal convictions, attitudes, or opinions that we hold about the world, ourselves, or others, and they are shaped by our experiences, culture, and values. While some people may agree that lemon meringue pie is the best dessert ever, others may have different preferences or tastes.

Therefore, beliefs are not universal truths, but rather individual perspectives that can vary from person to person. It is important to acknowledge and respect other people's beliefs, even if we do not share them ourselves.

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by definition, the communication objective of advertising is to . a. eliminate noise in the transmission, feedback, and encoding of a message b. provide direct customer contact through effective public relations c. inform or persuade the members of a particular audience d. cut promotion costs and decrease the cost of reaching each consumer

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option (c) is the correct answer. The communication objective of advertising is to inform or persuade the members of a particular audience.

By definition, the communication objective of advertising is to inform or persuade the members of a particular audience.

Advertising is a form of marketing communication that aims to promote or sell a product, service, or idea to a target audience. Its primary communication objective is to inform the audience about the benefits of the advertised product or service, or to persuade them to buy it. Through advertising, companies try to reach a specific target audience and create awareness, interest, desire, and action.

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an agreement in which a buyer agrees to buy all the goods produced by a manufacturer is known as

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An agreement in which a buyer agrees to buy all the goods produced by a manufacturer is known as an "exclusive supply contract" or "output contract."

In this type of contract, the buyer commits to purchasing the entirety of a supplier's production, ensuring a stable demand for the manufacturer's products. The manufacturer, in return, guarantees a consistent supply of goods to the buyer.

This arrangement can benefit both parties involved. For the buyer, an exclusive supply contract secures a reliable source of goods, potentially at a negotiated price, and reduces the need to find multiple suppliers. This can streamline the procurement process and simplify inventory management.For the manufacturer, an output contract offers a stable and predictable demand for their products, which can help with production planning and resource allocation. This guaranteed demand can also reduce the risk of overproduction or inventory buildup.However, it is essential for both parties to carefully evaluate the terms of the contract, considering factors such as production capacity, delivery schedules, and quality standards. This ensures that the arrangement is mutually beneficial and sustainable over the long term. In some cases, exclusive supply contracts may also include provisions for contingencies, such as changes in market conditions, production disruptions, or fluctuations in raw material costs.

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refer to the data. the supply of this product is inelastic in the $6-$5 price range.

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Based on the given information, it can be inferred that the product has an inelastic supply in the price range of $6-$5.

The elasticity of the price of supply is a metric used in finance to demonstrate how sensitive or elastic the amount of an item or service that is supplied is to an alteration in its price. In practise, the cost elasticity of supply is a percentage increase in quantity delivered as a result of a 1% change in price.

This means that regardless of the change in price within this range, the quantity supplied by the producers will remain relatively constant. This could be due to a number of factors such as limited resources, difficulty in producing the product, or high production costs. Consumers may have to pay a higher price for the product if they wish to purchase it within this price range, as the supply cannot be easily increased.

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____ is a fault-tolerance technique that links multiple servers together to act as a single server. a. Grouping
b. Mirroring c. Duplicating d. Clustering

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Clustering is a fault-tolerance technique that links multiple servers together to act as a single server.

Clustering is a technique used to enhance the availability and scalability of computer systems. In a cluster, multiple servers are connected together to work as a single unit, providing redundancy and failover capabilities. The servers, or nodes, in a cluster are typically linked by high-speed interconnects, and they share access to common storage resources such as disk arrays or network-attached storage.

In a clustered environment, if one node fails, the workload can be automatically redirected to another node in the cluster, allowing the system to continue operating despite the failure. Clustering can also improve system performance by allowing workloads to be distributed across multiple nodes.

There are several types of clustering, including high-availability clustering, load-balancing clustering, and fault-tolerant clustering. High-availability clustering is designed to provide continuous availability of critical applications and services, while load-balancing clustering distributes workloads across multiple nodes to improve performance. Fault-tolerant clustering is used to provide redundancy and failover capabilities, ensuring that the system can continue operating in the event of a hardware or software failure.

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in terms of campaign finance, house races are usually __________.

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In terms of campaign finance, house races are usually more competitive than Senate races. This is because house seats are smaller districts, and as a result, the cost of advertising and campaigning is significantly lower than in a larger state-wide senate race.

This allows for more candidates to run and compete, which creates a more dynamic and competitive race. Additionally, the lack of name recognition of many house candidates means that they have to work harder to establish themselves with voters, which often requires more time and money.

Furthermore, since the stakes of a house race may seem lower than a Senate or presidential race, there may be fewer outside groups willing to spend significant amounts of money in support of a particular candidate. However, the amount of money being spent on house races has increased in recent years, as more and more outside groups recognize the importance of winning key house races in order to control the legislative agenda.

Overall, while house races may not receive as much media attention as Senate or presidential races, they are still highly competitive and require significant fundraising and campaigning efforts to win.

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ACQ today announced it has entered into a definitive agreement to acquire TGT, in an all-stock transaction valued at approximately $14.7 billion. As part of the agreement, TGT stockholders will receive 0.43 shares of Class A common stock of ACQ for each share of TGT. Based on the closing share price of ACQ common stock as of July 16, 2021, this represents a per share price for TGT common stock of $200.28, or nearly a 29% premium over the TGT closing price as of July 16, 2021. The share price of TGT as July 16, 2021 is $ per share. The share price of ACQ as July 16, 2021 is $ per share.

Answers

ACQ announced a definitive agreement to acquire TGT in an all-stock transaction valued at approximately $14.7 billion.

TGT stockholders will receive 0.43 shares of ACQ's Class A common stock for each share of TGT. The per-share price for TGT is $200.28, representing a 29% premium over TGT's closing price as of July 16, 2021. To calculate the share prices of TGT and ACQ on July 16, 2021, we can use the information given:

$200.28 (TGT per-share price) = 0.43 shares of ACQ * ACQ share price

To find ACQ's share price, divide the TGT per-share price by 0.43:
ACQ share price = $200.28 / 0.43 ≈ $465.77

Now, to find the TGT closing price on July 16, 2021:
TGT closing price = $200.28 / (1 + 0.29) ≈ $155.10

So, the share price of TGT as of July 16, 2021, was approximately $155.10 per share, and the share price of ACQ as of July 16, 2021, was approximately $465.77 per share.

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the cost to firms of changing prices a. is small even when there is rapid inflation. b. is called a menu cost. c. does not exist if inflation is perfectly anticipated. d. all of the above

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The cost to firms of changing prices b) is called a menu cost, which refers to the costs associated with updating prices, such as the cost of printing new price lists or updating computer systems.

Even when there is rapid inflation, the cost to firms of changing prices is small. However, if inflation is not perfectly anticipated, there may be additional costs associated with changing prices, such as the cost of lost sales or the cost of communicating new prices to customers.

These additional costs can add up over time, making it more expensive for firms to change prices. Ultimately, the cost to firms of changing prices will depend on a variety of factors, including the nature of the market, the degree of competition, and the overall level of inflation.

Overall, while the cost to firms of changing prices may be small, it is still an important consideration for businesses looking to maintain their profitability and competitiveness in the marketplace.

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interest expenses incurred on debt financing are ______ when computing cash flows from a project.

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Interest expenses incurred on debt financing are included when computing cash flows from a project.

When computing cash flows from a project, interest expenses incurred on debt financing are typically included as a component of the project's operating expenses. This is because interest expenses are a cash outflow that the project incurs as a result of taking on debt financing. However, it's important to note that the tax implications of interest expenses also need to be considered when computing cash flows. In some cases, the tax benefits of interest expenses may partially offset the cash outflows.

Nonetheless, interest expenses are an important consideration when analyzing the cash flows of a project, as they can impact the project's profitability and ability to generate positive cash flows.

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the interest charged on a $200,000 note payable, at the rate of 8%, on a 90-day note would be group of answer choices $16,000. $8,888. $4,000. $1,333.

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The interest charged on a $200,000 note payable, at the rate of 8%, on a 90-day note would be- c. 4,000$.

How to find-

To calculate the interest charged on a $200,000 note payable at a rate of 8% on a 90-day note, follow these steps:

Convert the annual interest rate to a decimal: 8% / 100 = 0.08Calculate the daily interest rate: 0.08 / 360 days = 0.00022222Calculate the interest for the 90-day period: $200,000 * 0.00022222 * 90 days = $4,000

So, the interest charged on a $200,000 note payable at a rate of 8% on a 90-day note would be $4,000.

Hence, option c. is the right choice.

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suppose a perfectly competitive market is in long-run equilibrium with a price of $12. then there is a permanent increase in demand. as a result, in the short run the market price and in the long run the number of firms and the price is the price was in the short run. group of answer choices rises; does not change; equal to what rises; increases; lower than rises; does not change; lower than rises; increases; higher than falls; decreases; equal to what

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In the short run, the price will rise due to the increased demand, but in the long run, the number of firms will increase and the price will return to its original level. Therefore, the correct answer is "rises; does not change; equal to what."

If there is a permanent increase in demand in a perfectly competitive market that is in long-run equilibrium with a price of $12, the market price will rise in the short run. This is because in the short run, the existing firms cannot increase their production enough to meet the increased demand, so the price will rise to balance supply and demand. However, in the long run, new firms will enter the market to take advantage of the higher price and profits, increasing the supply and bringing the price back down. Therefore, in the long run, the number of firms will increase and the price will be equal to what it was before the increase in demand.

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superhero toys inc. produces two different products: (1) plastic super-hero figures and (2) fabric super-hero costumes. the plastic super-hero figures are produced on injection molding machines, while the super-hero costumes are made by hand using tools such as scissors, glue, and sewing machines. superhero toys inc. produces both items in the same factory, but has designated half of the facility to injection molding machinery, and half of the facility to stations for laborers to hand-make costumes. using the information below, what are the total direct manufacturing costs for super hero costumes?

Answers

The total direct manufacturing costs for superhero costumes at Superhero Toys Inc. can be calculated by adding up the costs of labor, materials, and other direct expenses related to costume production

To determine the total direct manufacturing costs for super-hero costumes, we need to consider the costs directly related to producing the costumes. These costs include: 1. Direct Materials: The cost of the fabric, thread, glue, and other materials used to make the costumes. 2. Direct Labor: The cost of the laborers who use tools such as scissors, glue, and sewing machines to make the costumes by hand. 3. Manufacturing Overhead: The indirect costs such as utilities, rent, and maintenance expenses that are necessary to keep the manufacturing facility running. Since the costumes are made by hand, the direct manufacturing costs for the costumes would include only the direct materials and direct labor costs. We do not need to consider manufacturing overhead costs as they are not directly related to the production of costumes. Therefore, the total direct manufacturing costs for super-hero costumes would be the sum of the cost of the direct materials used to make the costumes plus the cost of the laborers who make the costumes by hand.

the total direct manufacturing costs for superhero costumes at Superhero Toys Inc. can be calculated by adding up the costs of labor, materials, and other direct expenses related to costume production. However, the information necessary to compute these costs has not been provided. Please provide the relevant cost information to help you determine the total direct manufacturing costs for superhero costumes.

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at an annual interest rate of 9%, an initial sum of money will double approximately every 8 years.

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The given statement "At an annual interest rate of 9%, an initial sum of money will double approximately every 8 years" is True because the Rule of 72 helps to explain this concept in a simple and easily understandable way.

The statement that an initial sum of money will double approximately every 8 years at an annual interest rate of 9% can be explained using the Rule of 72.

The Rule of 72 is a quick formula used to estimate the number of years required to double the value of an investment or money deposited at a fixed annual interest rate. To find the approximate number of years it takes for an investment to double, you simply divide 72 by the annual interest rate.

In this case, the annual interest rate is 9%. Using the Rule of 72, we can calculate the approximate number of years it would take for the initial sum to double:

72 ÷ 9 = 8

According to this calculation, it would take approximately 8 years for the initial sum of money to double at an annual interest rate of 9%. It is important to note that the Rule of 72 is an approximation and may not be perfectly accurate for all scenarios, but it provides a useful tool for quickly estimating the time it takes for an investment to double in value.

The question was incomplete, Find the full content below:

At an annual interest rate of 9%, an initial sum of money will double approximately every 8 years.

True or False

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tb mc qu. 11-89 (algo) the mallak company produced three joint... the mallak company produced three joint products at a joint cost of $149,200. two of these products were processed further. production and sales were: product weight sales additional processing costs p 363,000 lbs. $ 290,400 $ 217,800 q 144,000 lbs. 43,200 -0- r 144,000 lbs. 252,000 144,000 if joint costs are allocated based on relative weight of the outputs and all products are main products, how much of the joint costs would be allocated to product p?

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Based on the information provided in the question, the Mallak Company produced three joint products at a joint cost of $149,200. Out of these three products, two products were processed further, and their production and sales data were provided. The weight of product P is 363,000 lbs., and its sales value is $290,400. The weight of product Q is 144,000 lbs., and its sales value is $43,200.

To allocate the joint costs based on relative weight, we need to calculate the total weight of all three products, which is 651,000 lbs. Now, we can calculate the relative weight of each product as follows: Relative weight of product P = 363,000 lbs. / 651,000 lbs. = 0.557The weight of product R is 144,000 lbs., and its sales value is $252,000.
- Relative weight of product Q = 144,000 lbs. / 651,000 lbs. = 0.221
- Relative weight of product R = 144,000 lbs. / 651,000 lbs. = 0.221
Next, we need to allocate the joint costs to each product based on its relative weight. Therefore, the joint costs allocated to product P would be:Joint costs allocated to product P = Relative weight of product P * Total joint costs
= 0.557 * $149,200
= $83,034.40
Therefore, $83,034.40 of the joint costs would be allocated to product P if joint costs are allocated based on relative weight of the outputs, and all products are main products.

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consider a palletizer at a bottling plant that has a first cost of $150,000 operating and maintenance costs of $17,500 per year, and an estimated net salvage value of $25,000 at the end of thirty years. assume an interest rate of 8%. what is the present equivalent cost of the investment if the planning horizon is thirty years?

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The present equivalent cost of the investment for the palletizer at a bottling plant, considering a planning horizon of thirty years, is approximately $299,502.47.

It is given that a palletizer at a bottling plant has a first cost of $150,000, operating and maintenance costs of $17,500 per year, an estimated net salvage value of $25,000 at the end of thirty years, and an interest rate of 8% for a planning horizon of thirty years.

1. Calculate the present worth of the first cost, which is already in present value terms:

PW_first_cost = $150,000

2. Calculate the present worth of the annual operating and maintenance costs using the present worth of annuity formula:

PW_annual_costs = Annual_Cost * (1 - (1 + i)^-n) / i

Where i = interest rate (0.08) and n = number of years (30)

PW_annual_costs = $17,500 * (1 - (1 + 0.08)^-30) / 0.08

PW_annual_costs ≈ $152,919.24

3. Calculate the present worth of the net salvage value at the end of thirty years using the present worth of a single future value formula:

PW_salvage_value = Salvage_Value / (1 + i)^n

PW_salvage_value = $25,000 / (1 + 0.08)^30

PW_salvage_value ≈ $3,416.77

4. Calculate the present equivalent cost of the investment by adding the present worth of the first cost and annual costs, and subtracting the present worth of the salvage value:

PEC_investment = PW_first_cost + PW_annual_costs - PW_salvage_value

PEC_investment = $150,000 + $152,919.24 - $3,416.77

PEC_investment ≈ $299,502.47

Therefore, the present equivalent cost of the investment for the palletizer at a bottling plant, considering a planning horizon of thirty years, is approximately $299,502.47.

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Shares of stock without par value may be issued for such consideration (in dollars) as may be fixed by a corporation's?

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Shares of stock without par value can be issued by a corporation for any consideration that is determined by the corporation's board of directors.

This consideration can be in the form of cash, property, services, or any other valuable asset. Unlike shares with par value, which have a fixed value that is stated on the face of the stock certificate, shares without par value do not have a predetermined value.
When a corporation issues shares without par value, it gives the board of directors more flexibility in determining the price of the shares. This can be beneficial for the corporation because it allows them to adjust the price of the shares to better reflect the current market conditions and the value of the company.

Additionally, shares without par value can be more attractive to investors because they offer greater potential for capital appreciation.
It is important to note that while shares without par value do not have a fixed value, they still represent ownership in the corporation and come with all the rights and benefits of owning stock.

This includes the right to vote on corporate matters, receive dividends, and participate in the growth of the company.
In conclusion, shares of stock without par value may be issued for any consideration that is determined by a corporation's board of directors.

This flexibility allows the corporation to adjust the price of the shares to better reflect the market conditions and value of the company, while still offering investors all the benefits of owning stock.

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a homesteaded property has an assessed value of $249,000. if the county tax rate is seven mills, the city is eight mills and the school board is nine mills, how much does the homestead exemption save the homeowner?

Answers

To calculate the amount of money saved by the homestead exemption for the homeowner, we need to know the percentage of the assessed value that is exempt from each tax. The homestead exemption varies by state and can also vary by county within a state.

Assuming that the homestead exemption in this case is 20% of the assessed value, the amount saved by the homeowner can be calculated as follows:

Total millage rate = County tax rate + City tax rate + School board tax rate

Total millage rate = 7 + 8 + 9

Total millage rate = 24

Taxable assessed value = Assessed value - Homestead exemption

Taxable assessed value = $249,000 - (20% x $249,000)

Taxable assessed value = $199,200

Total taxes due = Taxable assessed value x Total millage rate / 1,000

Total taxes due = $199,200 x 24 / 1,000

Total taxes due = $4,780.80

Without the homestead exemption, the taxes due would have been calculated as:

Taxes due without exemption = Assessed value x Total millage rate / 1,000

Taxes due without exemption = $249,000 x 24 / 1,000

Taxes due without exemption = $5,976

Therefore, the homestead exemption saves the homeowner $1,195.20 ($5,976 - $4,780.80) in taxes.

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is a procedure resulting in a number reflecting an applicant's credit strength, derived as a weighted average of the scores obtained on a variety of key financial and credit characteristics. group of answer choices credit scoring aging of receivables capm the economic order quantity model

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The term you are referring to is credit scoring. Credit scoring is a process that involves assessing an individual's or organization's creditworthiness based on a variety of financial and credit-related factors.

These factors may include things like payment history, outstanding debts, credit utilization, and other financial indicators. The result of this process is typically a credit score, which is a numerical representation of the applicant's creditworthiness.

Credit scoring is typically based on a weighted average of the scores obtained on a variety of key financial and credit characteristics. These scores may be generated by credit bureaus or other organizations that specialize in credit assessment. The weight given to each factor may vary depending on the specific model being used, but in general, factors like payment history, credit utilization, and outstanding debts are considered to be more important than other factors like age or income.

Overall, credit scoring is an important tool for lenders and other organizations that need to assess the creditworthiness of applicants. By using a standardized process to evaluate applicants, lenders can more effectively manage their risk and make better decisions about who to lend money to.

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On January 1, 2021, X Company bought a machine for $44,000. It's now January 1, 2022, and management is disappointed that 2021 Operating costs with the machine were $33,000. Since they are expecting future operating costs to continue to be $31.000 a year they we considering replacing the machine with a new one. Although the new machine will cost $47.000, operating costs with the new machine wildern by $10.000 each year Both machines will last for more years. The current machine can be sold immediately for $10,000 but will have no savage valori end of 5 years. The new machine will have a salvage value of $4,500 at the end of 5 years Assuming a discount rate of 5%, what is the net present value of replacing the current machine with the new one?

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The decision to replace the current machine with a new one depends on the net present value (NPV) of the investment.

To calculate the NPV, we need to estimate the cash flows associated with each machine and discount them back to present value using a discount rate of 5%.

The cash flows associated with the current machine are:
- Initial investment: -$44,000
- Operating costs in year 1: -$33,000
- Salvage value in year 5: +$10,000

To calculate the present value of these cash flows, we need to discount them back to year 0. Using a discount rate of 5%, we can calculate the present value of the salvage value in year 5 as $8,227. The net present value of the current machine is therefore:

NPV = -$44,000 - $33,000 + $8,227
NPV = -$68,773

The cash flows associated with the new machine are:
- Initial investment: -$47,000
- Operating costs in years 1-5: -$31,000 per year
- Salvage value in year 5: +$4,500

To calculate the present value of these cash flows, we need to discount them back to year 0. Using a discount rate of 5%, we can calculate the present value of the salvage value in year 5 as $3,454. The net present value of the new machine is therefore:

NPV = -$47,000 - ($31,000 x 5) + $3,454
NPV = -$163,270

Comparing the two NPVs, we can see that the net present value of replacing the current machine with the new one is negative, indicating that the investment is not profitable. Therefore, it would be better for X Company to keep the current machine and operate it for its remaining useful life.

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assuming the government of country balistan has a balanced budget requirement and collects $100 million more in taxes than expected in 2016. as a result, the government would have to

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Assuming the government of country Balistan has a balanced budget requirement and collects $100 million more in taxes than expected in 2016, the government would have to either increase spending or decrease taxes .

in order to maintain a balanced budget. If the government chooses to increase spending, it would have to allocate the additional funds to specific programs or projects. Alternatively, if the government chooses to decrease taxes, it would have to determine which taxes to reduce and by how much, taking into account the potential impact on the economy and the government's revenue streams.

Ultimately, the decision would depend on the government's priorities and goals.if the government of country Balistan has a balanced budget requirement and collects $100 million more in taxes than expected in 2016, the government would have to adjust their budget accordingly. This could involve increasing expenditures, reducing taxes, or a combination of both to maintain a balanced budget.

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true or false? it’s always better to target your ads towards as broad a group of people as possible.

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It's always better to target your ads toward as broad a group of people as possible: FALSE


1. While targeting a broad audience may increase visibility, it can lead to a lower return on investment due to non-relevant users seeing the ads.
2. Focused targeting allows you to reach people who are more likely to be interested in your product or service, increasing engagement and conversion rates.
3. By targeting specific demographics, interests, or behaviors, you can create more personalized and relevant ad campaigns that resonate with your target audience.
4. Segmenting your audience and tailoring your ad messaging can result in more efficient use of your advertising budget.

In conclusion, targeting your ads to a narrower, more specific group of people is often more effective and cost-efficient than targeting a broad audience.

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Castor Incorporated is preparing its master budget. Budgeted sales and cash payments for merchandise purchases for the next three months follow.

Budgeted April May June

Sales $ 31,700 $ 40,300 $ 24,300

Cash payments for merchandise purchases 20,800 16,500 16,900

Sales are 60% cash and 40% on credit. Sales in March were $24,300. All credit sales are collected in the month following the sale. The March 31 balance sheet includes balances of $12,300 in cash and $2,300 in loans payable. A minimum cash balance of $12,300 is required. Loans are obtained at the end of any month when the preliminary cash balance is below $12,000. Interest is 2% per month based on the beginning-of-the-month loan balance and is paid at each month-end. If a preliminary cash balance above $12,000 at month-end exists, loans are repaid from the excess. Expenses are paid in the month incurred and include sales commissions (5% of sales), shipping (3% of sales), office salaries ($5,300 per month), and rent ($3,300 per month).

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A master budget is a comprehensive financial plan that a company creates to project its expected income, expenses and profits in the future.

In this case, Castor Incorporated is preparing a master budget for the next three months, April, May and June. The budgeted sales and cash payments for merchandise purchases for each month is provided along with additional information such as the March sales and balances, minimum cash balance required, loans and interest rates and other expenses.

The master budget will help Castor Incorporated to accurately predict their income, expenses and profits for the next quarter and create a financial plan for the future.

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the return of 330 of goods originally sold on credit. using the periodic inventory system sunland would record this transaction as

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To record the return of 330 goods originally sold on credit under the periodic inventory system, Sunland would create a journal entry to reduce accounts receivable and sales revenue and adjust sales tax liability if applicable.

When a business sells goods on credit, it records the transaction as an account receivable in its books. If a customer returns goods that were originally sold on credit, the business needs to adjust its books to reflect the return of the goods and the corresponding reduction in accounts receivable.

Under the periodic inventory system, the business updates its inventory and cost of goods sold accounts only at the end of the accounting period. Therefore, to record the return of 330 goods originally sold on credit, Sunland would follow these steps:

Create a journal entry to record the return of the goods. Since the goods were returned, the accounts receivable for the sale need to be reduced. The entry would be as follows:

Accounts Receivable -330

Sales Revenue -330

Since Sunland uses the periodic inventory system, it doesn't update inventory accounts until the end of the accounting period. Therefore, it doesn't need to adjust its inventory accounts for the return of the goods.

If the original sale was subject to sales tax, Sunland would also need to adjust its sales tax liability account to reflect the return of the goods. The entry would be:

Sales Tax Payable -X

Accounts Receivable -X

Where X represents the amount of sales tax originally collected on the sale. By making these adjustments, Sunland can accurately reflect the return of the goods and maintain accurate records for its financial statements.

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on january 1, 2024, lizzy's lemonade issues 5%, 20-year bonds with a face amount of $100,000 for $88,443, priced to yield 6%. interest is paid semiannually. what amount of interest expense will be recorded on june 30, 2024, the first interest payment date? (round your final answer to the nearest whole dollar amount.)

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Rounding this to the nearest whole dollar amount gives us an interest expense of $10,203 for the first payment period.

To start, we need to calculate the semiannual coupon payment for Lizzy's Lemonade bonds.

The coupon rate is 5% and the face value is $100,000, so the annual coupon payment is:
$100,000 x 0.05 = $5,000

Since interest is paid semiannually, the semiannual coupon payment is:
$5,000 / 2 = $2,500

Next, we need to calculate the effective semiannual interest rate based on the bond's pricing.

The bond was sold for $88,443, which is less than the face value of $100,000.

This means that the bond is priced at a discount.

The discount is the difference between the face value and the selling price:
$100,000 - $88,443 = $11,557

To determine the effective semiannual interest rate, we divide the discount by the face value and multiply by two (since interest is paid semiannually):
($11,557 / $100,000) x 2 = 0.23114

This means that the effective semiannual interest rate is 23.114%.

However, we need to round this to 6 decimal places and then divide by 2 to get the periodic interest rate:
0.23114 rounded to 6 decimal places is 0.231140, which when divided by 2 is 0.115570.

So the periodic interest rate is 11.557%.

Finally, we can calculate the interest expense for the first payment period, which covers the period from January 1, 2024, to June 30, 2024.

To do this, we multiply the carrying value of the bond (which is the initial selling price of $88,443) by the periodic interest rate:
$88,443 x 0.115570 = $10,202.98

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Abco PLC - a FTSE 100 firmAbco's board which manufactures bicycles consists of the following board members:Crossin B. - Chairman, Independent NED, MaleDexter K. - CEO, Executive Director, MaleDobman C. - CFO, Executive Director, MaleWhitmore W. - Independent NED, MaleDoster K. - Executive Director, MaleBracken T. - Executive Director, MaleDiscuss 2 issues with respect to the structure of the board that does not follow UK corporate governance guidelines. Briefly explain the guidance and its significance. (15 marks)Discuss the 'comply and explain' concept in relation to the issues discussed above. Provide a benefit of this approach for companies (10 marks)

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(1) Two issues with the board structure that do not follow UK corporate governance guidelines are:

(i) Lack of board diversity: The board has no female members, which goes against the UK Corporate Governance Code's recommendation of having at least 33% of women on boards.

(ii) The concentration of power: The CEO, who is also an executive director, holds both the chairmanship and CEO roles, which goes against the code's recommendation of separating the roles to ensure effective board independence and scrutiny.

The UK Corporate Governance Code provides guidance on good corporate governance practices, including the composition of the board, the separation of roles, and board diversity, among others. Board diversity is essential for ensuring a broad range of perspectives and experiences to contribute to the board's decision-making.

Separation of roles, particularly the chairman and CEO roles, is crucial for ensuring accountability and transparency, as it helps prevent a concentration of power.)

(2) The 'comply or explain' approach requires companies to either comply with the code's provisions or explain why they have not complied. This approach promotes flexibility, as companies can choose not to comply with certain provisions if they have justifiable reasons, but they must explain why they have not complied.

The benefit of the 'comply or explain' approach is that it allows companies to tailor their governance practices to their specific circumstances while ensuring transparency and accountability.

By explaining their reasons for non-compliance, companies can provide stakeholders with insights into their decision-making processes and demonstrate their commitment to good governance practices.

This approach encourages a culture of continuous improvement, as companies must review their governance practices regularly and update them as necessary to remain effective and relevant.

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