In the week to come, a bank expects $55 million in incoming deposits, $75 million in acceptable loan requests, $35 million in money market borrowings, $10 million in deposit withdrawals, and $30 million in loan repayments. The bank is expecting a: A. liquidity deficit. B. liquidity surplus. C. balanced liquidity position. D. liquidity reversal. E. None of the above.

Answers

Answer 1

Answer:

B. liquidity surplus

Explanation:

The expected cash inflows and outflows of the bank can be summarized using the formula provided below:

Net inflow/(outflow)= incoming deposits-acceptable loan requests+ market borrowings-deposit withdrawals+loan repayments

incoming deposits=$55 million(inflow)

acceptable loan requests=$75 million(outflow)

money market borrowings=$35 million(inflow)

deposit withdrawals= $10 million(outflow)

loan repayment=$30 million(inflow)

Net inflow/(outflow)=$55 million-$75 million+$35 million-$10 million+$30 million

net inflow(outflow)=$35 million

The above net inflow of $35 million represents liquidity surplus


Related Questions

At his new job, Carlos notices that everyone places high values on their families and each others' families, birthdays are always celebrated, and flexible schedules are permitted to facilitate family involvement as long as the work is still getting done. Everyone is very relaxed and friendly. Carlos has made several observations about the:________

a. organizational structure.
b. ethical climate.
c. morale and performance programs.
d. codes of conduct.
e. corporate culture.

Answers

Answer:

e. corporate culture

Explanation:

Carlos has made several observations about the corporate culture. In other words, his observations were mainly about the believes and decisions that the company has made regarding its employees and outside of work factors. Which in this case are families. Their corporate culture values family a lot and they seem to hire individuals whose traits match these values as well. This is why they allow all of these leeways and benefits when regarding employee families.

Question 7 of 10
Your company emphasizes the important of conserving (not wasting)
resources. How can you support that value when you print an 8-page report
you were asked to bring to your department's monthly meeting?
A. Use the Print option for two-sided printing.
B. Post the report online before printing it.
C. Use the Print option to create extra copies.
D. Use the Save option to choose a format readers can open.
SUBMIT

Answers

Answer:

A. Use the Print option for two-sided printing.

I'd choose A, although I don't really understand what option D means..

Spicewood Stables, Inc., was established in Dripping Springs, Texas, on April 1. The company provides stables, care for animals, and grounds for riding and showing horses. You have been hired as the new assistant controller. The following transactions for April are provided for your review.
1. Received contributions from investors and issued $230,000 of common stock on April 1.
2. Acquired a barn for $180,000. On April 2, the company paid half the amount in cash and signed a three-year note payable for the balance.
3. Provided $18,000 in animal care services for customers on April 3, all on credit.
4. Rented stables to customers who cared for their own animals; received cash of $14,000 on April 4 for rent earned this month.
5. On April 5, received $3,350 cash from a customer to board her horse in May, June, and July (record as Deferred Revenue).
6. Purchased and received hay and feed supplies on account on April 6 for $3,800.
7. Paid $2,600 on accounts payable on April 7 for previous purchases.
8. Received $2,040 from customers on April 8 on accounts receivable.
9. On April 9, prepaid a two-year insurance policy for $4,800 for coverage starting in May.
10. On April 28, paid $1,140 in cash for water and utilities used this month.
11. Paid $14,800 in wages on April 29 for work done this month.
12. Received an electric utility bill on April 30 for $1,560 for usage in April; the bill will be paid next month.
Required:
1. Prepare the journal entry for each of the above transactions.
2. Post the transaction activity from requirement 1 to the T-Accounts below. All accounts begin with zero balances because this is the first month of operations.
3. Prepare an unadjusted trial balance as of April 30.
4-a. Refer to the revenues and expenses shown on the unadjusted trial balance. Based on this information, calculate preliminary net income and net profit margin.
4-b. Determine whether the net profit margin is better or worse than the 30.0 percent earned by a close competitor.

Answers

Answer:

Spicewood Stables, Inc.

1. Journal Entries:

April 1:

Debit Cash $230,000

Credit Common Stock $230,000

To record contributions from investors and issuance of stock.

April 2:

Debit Barn $180,000

Credit Cash $90,000

Credit Notes Payable (Long-term) $90,000

To record the acquisition of a barn.

April 3:

Debit Accounts Receivable $18,000

Credit Service Revenue $18,000

To record the provision of animal care services on credit.

April 4:

Debit Cash $14,000

Credit Rent Revenue $14,000

To record the renting of stables to customers for April.

April 5:

Debit Cash $3,350

Credit Deferred Revenue $3,350

To record the receipt of cash from customer in advance.

April 6:

Debit Supplies $3,800

Credit Accounts Payable $3,800

To record the purchase of hay and feed supplies on account.

April 7:

Debit Accounts Payable $2,600

Credit Cash $2,600

To record the payment on account

April 8:

Debit Cash $2,040

Credit Accounts Receivable $2,040

To record the receipt of cash from customers.

April 9:

Debit Prepaid Insurance $4,800

Credit Cash $4,800

To record the prepayment of insurance for 2 years.

April 10:

Debit Utilities Expense $1,140

Credit Cash $1,140

To record the payment for water and utilities.

April 11:

Debit Wages Expense $14,800

Credit Cash $14,800

To record the payment of wages for the month.

April 12:

Debit Utilities Expense $1,560

Credit Utilities Payable $1,560

To record the accrued electric utility bill.

2. T-Accounts:

Cash

Date      Account Title          Debit         Credit

April 1    Common stock    $230,000

April 2  Barn                                         $90,000

April 4  Rent Revenue            14,000

April 5  Deferred Revenue      3,350

April 7  Accounts payable                       2,600

April 8 Accounts receivable    2,040

April 9 Prepaid Insurance                       4,800

April 10 Utilities Expenses                        1,140

April 11 Wages Expense                        14,800

April 12 Balance                                $136,050

Totals                              $249,390 $249.390

Common Stock

Date      Account Title          Debit         Credit

April 1    Cash                                    $230,000

Barn

Date      Account Title          Debit         Credit

April 2   Cash                   $90,000

April 2   Notes payable     90,000

April 12 Balance                                 $180,000

Notes Payable

Date      Account Title          Debit         Credit

April 2   Barn                                      $90,000

Accounts Receivable

Date      Account Title          Debit         Credit

April 3   Service Revenue  $18,000

April 8   Cash                                        $2,040

April 12 Balance                                  $15,960

Service Revenue

Date      Account Title          Debit         Credit

April 3   Accounts receivable              $18,000

Rent Revenue

Date      Account Title          Debit         Credit

April 4   Cash                                      $14,000

Deferred Revenue

Date      Account Title          Debit         Credit

April 5   Cash                                      $3,350

Supplies

Date      Account Title          Debit         Credit

April 6   Accounts Payable  $3,800

Accounts Payable

Date      Account Title          Debit         Credit

April 6   Supplies                                   $3,800

April 7   Cash                       $2,600

April 12 Balance                   $1,200

Prepaid Insurance

Date      Account Title          Debit         Credit

April 9   Cash                    $4,800

Utilities Expenses

Date      Account Title          Debit         Credit

April 10 Cash                      $1,140

Wages Expense

Date      Account Title          Debit         Credit

April 11   Cash                   $14,800

3. Unadjusted Trial Balance as of April 30:

Account Title                Debit         Credit

Cash                          $136,050

Common stock                            $230,000

Barn                            180,000

Notes payable                                 90,000

Accounts receivable   15,960

Service Revenue                              18,000

Rent Revenue                                  14,000

Deferred Revenue                            3,350

Supplies                        3,800

Accounts payable                              1,200

Prepaid Insurance       4,800

Utilities Expenses         1,140

Wages Expense        14,800

Totals                   $356,550     $356,550

4a.  

Service Revenue      18,000

Rent Revenue          14,000

Total revenues     $32,000

Utilities Expenses       1,140

Wages Expense      14,800

Total expenses    $15,940

Net Income          $16,060

Net profit margin = $16,060/$32,000 * 100 = 50.19%

4b. The net profit margin is better than the 30.0% earned by a close competitor.

Explanation:

The adjustment for Electric Utility does not form part of the adjusted trial balance.  If we assume that the payment was eventually made on April 30, the Cash Balance will reduce by $1,560 and the total expenses will increase by the same amount with an equal reduction in the net income to $14,500.  This will also reduce the net profit margin to 45.31%.

Software Distributors reports net income of $58,000. Included in that number is depreciation expense of $11,500 and a loss on the sale of land of $5,300. A comparison of this year's and last year's balance sheets reveals a decrease in accounts receivable of $28,000, a decrease in inventory of $16,500, and an increase in accounts payable of $48,000. Required: Prepare the operating activities section of the statement of cash flows using the indirect method.

Answers

Answer:

                   Software Distributors

            Statement of cash flows (partial)

Cash flow from operating activities:  

Net income                                                     $58,000

Adjustments to reconcile net income to

net cash flows from operating activities

Add: Depreciation expense                            $11,500

Add: Loss on sale of land                                $5,300

Add: Decrease in accounts receivable          $28,000

Add: Decrease in inventory                            $16,500

Add: Increase in accounts payable                $48,000

Net cash flow from operating activities       $167,300

Question 3: Cost terminology in manufacturing firms a) Direct materials include all materials and components only raw materials such as steel and glass only major materials and components Correct: Your answer is correct. Direct labor includes all production labor including supervisors and maintenance staff only managers who directly supervise the production process only hourly production workers (aka assembly workers) Correct: Your answer is correct. Manufacturing overhead includes only big items that cannot be traced (e.g., factory rent) only non-manufacturing costs only small items that are not worth tracing (e.g., glue, grease) both big items that cannot be traced (e.g., factory rent) and small items that are not worth tracing (e.g., glue, grease) Correct: Your answer is correct. b) Classify the following items as direct materials (DM), direct labor (DL), or manufacturing overhead (OH) for a car assembly plant: Rent for the factory building DL DM OH Correct: Your answer is correct. Cost of engines used in production DL DM OH Correct: Your answer is correct. Depreciation on production equipment DL DM OH Correct: Your answer is correct. Cost of lubricant used in production DL DM OH Correct: Your answer is correct. Production supervisor's salary DL DM OH Correct: Your answer is correct. Assembly workers' wages DL DM OH Correct: Your answer is correct.

Answers

Answer:

1. a. Only major materials and components.

Only the major materials and components are include as direct materials because these are the materials that directly needed for production.

b. Only hourly production workers (aka assembly workers).

The direct labor has to be those people who are directly involved in production which in this case is the assembly workers. Managers and Supervisors are not integral so are not direct labor.

c. Both big items that cannot be traced (e.g., factory rent) and small items that are not worth tracing (e.g., glue, grease).

All other items involved in production should be included as manufacturing overheads including big items and small items that cannot be traced.

2.

Rent for the factory building ⇒ Manufacturing Overhead (OH).

Cost of engines used in production ⇒ Direct materials (DM).

Depreciation on production equipment ⇒ Manufacturing Overhead (OH).

Cost of lubricant used in production. ⇒ Manufacturing Overhead (OH).

Production supervisor's salary. ⇒ Manufacturing Overhead (OH).

Assembly workers' wages. ⇒ Direct Labor.

The accounting staff at Valencia Manufacturing, Incorporated has provided the following data for the month of July. The balance in the Work in Process inventory account was $31,000 at the beginning of the month and $21,500 at the end of the month. During the month, the Corporation incurred direct materials cost of $56,800 and direct labor cost of $30,700. The actual manufacturing overhead cost incurred was $53,900. The manufacturing overhead cost applied to Work in Process was $52,800. The cost of goods manufactured for July was:

Answers

Answer:

the cost of goods manufactured is $149,800

Explanation:

The computation of the cost of goods manufactured is given below:

= Opening work in process + total manufacturing cost - ending work in process

= $31,000 + ($56,800 + $30,700 + $52,800) - $21,500

= $31,000 + $140,300 - $21,500

= $149,800

hence, the cost of goods manufactured is $149,800

What is one of the basic principles of economics?

A.
Society’s resources are unlimited.

B.
People never put their own interests as their first priority.

C.
If people demand a product, then businesses are required to supply it.

D.
Society and its individuals have unlimited wants.

Answers

Answer:

D. Society and its individuals have unlimited wants.

Explanation:

Economics can be defined as the study of how to use scarce or limited resources to meet the unending needs and wants of the consumers.

One of the basic principles of economics is that society and its individuals have unlimited wants because humans are generally insatiable. Therefore, we are left with the option of choosing (choices) because we cannot have all that we desire or want and the resources used to meet the demands are scarce or limited.

Generally, Economics can be classified into two (2) categories, namely;

1. Macroeconomics can be defined as the study of behaviors, performance and factors that affect the entire economy. Hence, it focuses on aggregate phenomena such as price level, economic growth, Gross Domestic Product (GDP), inflation, unemployment and national income levels with respect to the central bank, demand or supply shocks, government policies, aggregate spending and savings.

2. Microeconomics can be defined as the study of the effect of price and quantity levels through interactions between individual buyers and sellers in various markets.

Hence, it is focuses on analyzing or evaluating the decisions of consumers (buyers) and those of firms (sellers) such as methods of production, pricing; and the manner in which government policies affect those decisions.

Answer:

d

Explanation:

In Year 1, the investor acquired 10% ownership of investee and applied fair value method to account for the investment. In Year 2, the investor acquired another 30% ownership and applied equity method to account for the investment (40% ownership). In Year 3, the investor sold 35% ownership of the investee and started using fair value method again to account for the investment (5% ownership). Should the investor apply retrospective adjustment in Year 2 and Year 3

Answers

Answer:

b

Explanation:

Constable Co. reported the following information at December 31, Year 1:
Accounts Payable $4,540
Accounts Receivable 9,390
Cash 23,890
Common Stock 90,400
Equipment 49,900
Inventory 31,600
Notes Payable due December 31, Year 3 2,540
Retained Earnings, December 31, Year 1 14,130
Wages Payable 3,170
What is the amount of current liabilities on the classified balance sheet?

Answers

Answer:

The amount of Current liabilities is $7,710

Explanation:

The amount of current liabilities on the classified balance sheet is seen below;

Constable Corp.

Balance sheet as at December 31, year 1.

Current liabilities

Accounts payable $4,540

Wages payable $3,170

Total $7,710

A rational buyer will: buy a product until the marginal benefit of consuming the product is less than the price of the product. buy the product only when the marginal benefit of consuming the product is twice as much as the price of the product. not consider costs versus benefits when purchasing a product. keep buying a product until marginal benefit equals price.

Answers

Answer:

keep buying a product until marginal benefit equals price

Explanation:

A rational consumer would continue to consume a product until the marginal benefit of the last unit consumed equal marginal cost. At this point, utility is maximised.

For example, if the price of a bottle of water is $4. The utility you derive from the first bottle is 6. So you consume one more bottle, the utility you derive from the second bottle is 5. you buy a third bottle. The utility you derive from the 3rd bottle is 4. At this point utility is maximised and you should stop consuming more water

If you consume a 4th bottle, the utility you would derive from it would be 3 utils. This doesn't make sense because you are paying more for the bottle when compared to the utility you would derive from it

Below are the transactions for Salukis Car Cleaning for June, the first month of operations.
June 1 Obtain a loan of $53,000 from the bank by signing a note.
June 2 Issue common stock in exchange for cash of $23,000.
June 7 Purchase car wash equipment for $58,000 cash.
June 10 Purchase cleaning supplies of $6,300 on account.
June 12 Wash 330 cars for $10 each. All customers pay cash.
June 16 Pay employees $730 for work performed.
June 19 Pay for advertising in a local newspaper, costing $330.
June 23 Wash 430 cars for $10 each on account.
June 29 Pay employees $780 for work performed.
June 30 A utility bill of $1,230 for the current month is paid.
June 30 Pay dividends of $430 to stockholders.
1. Record each transaction. (If no entry is required for a transaction/event, select "No journal entry required" in the first account field.)
2. & 3. Post each transaction to the appropriate T-accounts and calculate the balance of each account.
4. Prepare a trial balance for June.

Answers

Answer:

Part 1

June 1

Debit : Cash $53,000

Credit : Bank Note $53,000

June 2

Debit : Cash $23,000

Credit : Common Stock $23,000

June 7

Debit : Equipment $58,000

Credit : Cash $58,000

June 10

Debit : Supplies $6,300

Credit : Account Payables $6,300

June 12

Debit : Cash $3,300

Credit : Service Revenue $3,300

June 16

Debit : Salaries $730

Credit : Cash $730

June 19

Debit : Advertising $330

Credit : Cash $330

June 23

Debit : Trade Receivables $4,300

Credit : Service Revenue $4,300

June 29

Debit : Salaries $780

Credit : Cash $780

June 30

Debit : Utility Bill $1,230

Credit : Cash $1,230

June 30

Debit : Dividends $430

Credit : Cash $430

Part 2 & 3

Cash : Debit Side - $53,000 + $23,000 + $3,300, Credit Side - $58,000 + $730 + $330+ $780+ $1,230+$430 = $17,800 (debit)

Bank Note : Debit Side  - Credit Side  - $53,000  = $53,000 (credit)

Common Stock : Debit Side - Credit Side - $23,000 = $23,000 (credit)

Equipment : Debit Side - $58,000 Credit Side - = $58,000 (debit)

Supplies : Debit Side - $6,300 Credit Side - = $6,300 (debit)

Accounts Payable : Debit Side - Credit Side - $6,300 = $6,300 (credit)

Service Revenue ; Debit Side - Credit Side - $3,300 + $4,300 = $7,600(credit)

Salaries : Debit Side - $730 + $780 Credit Side - = $1,510 (debit)

Advertising : Debit Side - $330 Credit Side - = $330 (debit)

Accounts Receivables : Debit Side - $4,300 Credit Side - = $4,300 (debit)

Utility Bill : Debit Side - $1,230 Credit Side - = $1,230 (debit)

Dividends : Debit Side - $430  Credit Side - = $430 (debit)

Part 4

Trial Balance as at 30 June

                                                  Debit                 Credit

Cash                                        $17,800

Bank Note                                                         $53,000

Common Stock                                                 $23,000

Equipment                            $58,000  

Supplies                                  $6,300

Accounts Payable                                              $6,300

Service Revenue                                                $7,600

Salaries                                     $1,510

Advertising                                 $330

Accounts Receivables            $4,300

Utility Bill                                  $1,230

Dividends                                   $430

Totals                                    $89,900            $89,900

Explanation:

The Accounting Process starts with recording transactions in the Journals. The Journals are then posted to the Account Affected and the balances of those Accounts are determined. The trial Balance is then prepared by extracting these balance to find the Debit and Credit Totals to check mathematical accuracy.

Assume that the risk-free rate of interest is 3% and the expected rate of return on the market is 14%. I am buying a firm with an expected perpetual cash flow of $1,000 but am unsure of its risk. If I think the beta of the firm is 0.9, when in fact the beta is really 1.8, how much more will I offer for the firm than it is truly worth

Answers

Answer: $‭3,365.98‬

Explanation:

Value of firm with beta of 0.9.

First use CAPM to find the required return:

= Risk free rate + beta * (Market return - risk free rate)

= 3% + 0.9 * (14% - 3%)

= 12.9%

Firm Value = Perpertual cashflow / Required return

= 1,000 / 12.9%

= $7,751.94

Value of firm with beta of 1.8.

Required return = 3% + 1.8 * (14% - 3%)

= 22.8%

Value of firm = 1,000 / 22.8%

= $4,385.96

Difference = 7,751.94 - 4,385.96

= $‭3,365.98‬

You would be paying $‭3,365.98‬ than the firm is worth.

Skysong, Inc. compiled the following financial information as of December 31, 2022:

Service revenue $827000
Common stock 181000
Equipment 232000
Operating expenses 748000
Cash 202000
Dividends 64000
Supplies 38000
Accounts payable 113000
Accounts receivable 95000
Retained earnings, 1/1/22 444000

Skysong's retained earnings on December 31, 2022 are:_________

Answers

Answer:

$459,000

Explanation:

The computation of the ending retained earning balance is shown below:

Ending retained earning balance is

= Opening retained earning balance + net income - dividend

where

Net income

= Service revenue - operating expenses

= $827,000 - $748,000

= $79,000

Now the ending retained earnings balance is

= $444,000 + $79,000 - $64,000

= $459,000

The International Bank for Reconstruction and Development was originally founded with the purpose of:_________

Answers

Answer:

Explanation:

This banks original purpose for being founded was to provide money and help pay for the reconstruction of European nations that suffered great losses during the second World War. This bank was founded in 1944, one whole year before the end of the war. The war completely destroyed many European nations as well as their economies so it was very difficult for them to rebuild without the help of the International Bank for Reconstruction and Development.

On January 1, 2016, Piper Co., purchased a machine (its only depreciable asset) for $900,000. The machine has a five-year life, and no salvage value. Sum-of-the-years'-digits depreciation has been used for financial statement reporting and the elective straight-line method for income tax reporting. Effective January 1, 2019, for financial statement reporting, Piper decided to change to the straight-line method for depreciation of the machine. Assume that Piper can justify the change. Piper's income before depreciation, before income taxes, and before the cumulative effect of the accounting change (if any), for the year ended December 31, 2019, is $750,000. The income tax rate for 2019, as well as for the years 2016-2018, is 30%. What amount should Piper report as net income for the year ended December 31, 2019

Answers

Answer:

$462,000

Explanation:

Computing the Sum-of-the-years'-digits depreciation

Accumulated Depreciation till 2018 = $900,000*(5+4+3)/15

Accumulated Depreciation till 2018 = $900,000*12/15

Accumulated Depreciation till 2018 = $720,000

Book Value at beginning 2019 = $900,000 - $720,000 = $180,000

Depreciation Expense in 2019 = $180,000/2 = $90,000

Net Income before depreciation & taxes = $750,000

Depreciation = $90,000

EBT = Net Income before depreciation & taxes - Depreciation = $750,000 - $90,000 = $660,000

Tax Expenses = EBT * Tax rate = $660,000*30% = $198,000

Net Income = EBT - Tax Expenses

Net Income = $660,000 - $198,000

Net Income = $462,000

So therefore, Piper should report $462,000 as net income for the year ended December 31, 2019

Mirabile Corporation uses activity-based costing to compute product margins. Overhead costs have already been allocated to the company's three activity cost pools--Processing, Supervising, and Other. The costs in those activity cost pools appear below:
Processing $ 5,945
Supervising $ 19,680
Other $ 11,300
Processing costs are assigned to products using machine-hours (MHs) and Supervising costs are assigned to products using the number of batches. The costs in the Other activity cost pool are not assigned to products. Activity data appear below:
MHs (Processing) Batches (Supervising)
Product M0 13,700 400
Product M5 800 400
Total 14,500 800
Finally, sales and direct cost data are combined with Processing and Supervising costs to determine product margins.
Product M0 Product M5
Sales (total) $ 81,800 $ 94,400
Direct materials (total)$ 29,400 $ 32,300
Direct labor (total) $ 28,700 $ 42,600
What is the product margin for Product M5 under activity-based costing?

Answers

Answer:

Product margin= $9,332

Explanation:

First, we need to allocate the activity cost to product M5:

Predetermined manufacturing overhead rate= total estimated overhead costs for the period/ total amount of allocation base

Processing= 5,945/14,500= $0.41 per machine hour

Supervising= 19,680/800= $24.6 per batch

Product M5:

Processing= 0.41*800= $328

Supervising= 24.6*400= $9,840

Finally, the total cost and the product margin:

Total cost= 32,300 + 42,600 + (328 + 9,840)

Total cost= $85,068

Product margin= 94,400 - 85,068

Product margin= $9,332

M Corp. has an employee benefit plan for compensated absences that gives each employee 15 paid vacation days. Vacation days can be carried over indefinitely. Employees can elect to receive payment in lieu of vacation days. At December 31, 2021, M's unadjusted balance of liability for compensated absences was $35,400. M estimated that there were 200 total vacation days available at December 31, 2021. M's employees earn an average of $177 per day. After recording any necessary adjustment, in its December 31, 2021, balance sheet, what amount of liability for compensated absences is M required to report

Answers

Answer:

$35,400

Explanation:

Calculation for what amount of liability for compensated absences is M required to report

Using this formula

Liability for compensated absences=Total vacation days available at December 31, 2021 *Average wage per day

Let plug in the formula

Liability for compensated absences=200*$177 per day

Liability for compensated absences=$35,400

Therefore the Liability for compensated absences at December 31, 2021 will be $35,400

Stephen is a new insurance agent with an established company.He is nervous at the idea of making cold calls on the telephone to prospective clients.After thinking through the problem,Stephen decides to ask his supervisor if he can host a small introductory meeting,inviting local business in for coffee and cake to introduce himself.Stephen is exhibiting a high level of hope.
a. True
b. False

Answers

Answer:

a. True

Explanation:

It is correct to say that Stephen is exhibiting a high level of hope because he had the idea of ​​organizing a small introductory meeting in order to introduce himself to local companies and thus break the initial nervousness that could occur if he did not previously know his potential client. With this introductory meeting for greater integration between him, who is the new insurance agent and the companies that are his potential clients, there may be greater interaction, greater possibility of closing deals and greater customer satisfaction, lessening insecurity, etc.

When third-party ownership is involved, applicants who also happen to be the stated primary
beneficiary are required to have:
all statements be warranties
insurable interest in the proposed insured
the agent complete a third-party application
all those involved be family related

Answers

Answer:

insurable interest in the proposed insured

Explanation:

In the case when third-party ownership is included so the applicants are treated as the beneficiary and then needed to have an insurable interest.

The information regarding the third-party ownership should involve the following things:

It refers to the situation where the third party should invest in the economic rights for receiving the share of any type of future transfer.And at the time when the third party is treated as the beneficiary so it should have an insurable interest in the upcoming insured.

So, the other options are incorrect.

Therefore we can conclude that In the case when third-party ownership is included so the applicants are treated as the beneficiary and then needed to have an insurable interest.

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A product priced at $5 has annual sales of 1,000 units. When price is reduced to $4, quantity increases to 1,250 units. Other things unchanged, the price elasticity of demand for the product is:

Answers

Answer:

Unitary

Explanation:

Price elasticity of demand is demand is defined as a measure of how sensitive quantity of a product demanded is sensitive to changes in price.

Usually an increase in price results in a reduction in quantity demanded, and reduction in price results in an increase in quantity demanded.

Using the midpoint method of calculating price elasticity

Price elasticity = (change in quantity demanded) ÷ (change in price)

Change in quantity demanded = (1000-1250)/(100+1250)/2

Change in quantity demanded = -0.2222

Change in price = (5-4) / (5+4)/2

Change in price = 0.2222

Price elasticity = -0.2222 ÷ 0.2222 = -1

Therefore price elasticity is unitary.

Unitary elasticity means that a a percentage change in price results in equal percentage change in quantity demanded

Conservative Bank offers loans at various interest rates, depending on the nature of the loan. Jake wants to borrow $200,000 for a new home. He promises to pay back the loan in 10 years. Alyssa also wants to borrow $200,000 for a new home. She promises to pay back the loan in 15 years. Assume Jake and Alyssa are equally creditworthy and that the two home mortgages are the same in all other aspects. If all else is constant, the bank would most likely charge a higher interest rate to___.

Answers

Answer:

Bank would most likely charge a higher interest rate to Alyssa

Explanation:

Credit worthiness of Jake and Alyssa is same and interestingly amount is also same. But Alyssa is taking it for long period of time say, 15 years while Jake will return in 10 years. Bank decides the interest rate based on the economic conditions. Short term loan are given at lower rate because it is easy to predict the future. But here in both cases, loans are taken for long period. But still Alyssa period is greater than Jake. Thus, bank will charge higher interest rate from Alyssa.

You are asked to assess the current service model for a manufacturing line featuring 8 machines. Based on empirical data you have determined that machines have a 23% likelihood of being down and in need of repair. There are currently 2 workers capable of running and repairing machines. Each of the 8 machines can produce 18 units/hour. The overhead for running each of the 8 machines is $713 per day per machine. Each operator is paid at an hourly rate of $15. [You can assume an 8-hour work day]
a. Determine the total amount of lost work time.
b. Should you hire an additional worker to run the 8 machines in this manufacturing line?

Answers

Answer:

A) 14.72 hours

B)  An additional worker should be hired since the lost work time is 14.72 hours

Explanation:

Number of machines on manufacturing line = 8

percentage of machine been down = 23%

number of workers capable of running and repairing machines = 2

machine productivity ( per machine ) = 18 units/hour

overhead cost / machine = $713

hourly rate paid per worker  = $15

Total number of work hours = 8 hour

A) calculate Total amount of lost worktime

 = number of machines * Total number of work hours * 23%

= 8 * 8 * 23% = 14.72  hours

B) An additional worker should be hired since the lost work time is 14.72 hours

The type of system that integrates the information of departments and functions of a company into a single computer system is called a(n) Multiple choice question. Electronic Data Processing system. Enterprise Resource Planning (ERP) system. Accounting Data system.

Answers

Answer:

The appropriate alternative is option B (ERP system).

Explanation:

The ERP system has become a corporation software platform that has the core purpose of integrating various processes and employees throughout the financial institution into a standard desktop software application that might boost the growth of the agency. They encourage organizations to implement resource planning by assimilating all of the mechanisms necessary to execute one‘s corporations with such a single platform.

The two other possibilities are not connected to the condition in question. Therefore the choice above is the perfect one.

For each cost item, indicate whether it would be variable or fixed with respect to the number of units produced and sold; and then whether it would be a selling cost, an administrative cost, or a manufacturing cost. If it is a manufacturing cost, indicate whether it is a direct cost or an indirect cost with respect to units of product.

1. Property taxes, factory.
2. Boxes used for packaging detergent produced by the company.
3. Salespersons' commissions.
4. Supervisor's salary, factory.
5. Depreciation, executive autos.
6. Wages of workers assembling computers.
7. Insurance, finished goods warehouses.
8. Lubricants for production equipment.
9. Advertising costs.
10. Microchips used in producing calculators.
11. Shipping costs on merchandise sold.
12. Magazine subscriptions, factory lunchroom.
13. Thread in a garment factory.
14. Billing costs.
15. Executive life insurance.
16. Ink used in textbook production.
17. Fringe benefits, assembly-line workers.
18. Yarn used in sweater production.
19. Wages of receptionist, executive offices.

Answers

Answer:

Part 1

Variable or Fixed

a. Variable Costs

Boxes used for packaging detergent produced by the company.

Wages of workers assembling computers.

Salespersons' commissions.

Microchips used in producing calculators.

Shipping costs on merchandise sold.

Thread in a garment factory.

Fringe benefits, assembly-line workers

Yarn used in sweater production

b. Fixed Costs

Property taxes, factory.

Supervisor's salary, factory.

Depreciation, executive autos.

Insurance, finished goods warehouses.

Lubricants for production equipment.

Advertising costs.

Magazine subscriptions, factory lunchroom.

Billing costs.

Executive life insurance.

Ink used in textbook production.

Wages of receptionist, executive offices.

Part 2

Selling or Administrative or Manufacturing Cost

a. Selling Cost

Salespersons' commissions.

Advertising costs.

Shipping costs on merchandise sold.

b. Administrative Cost

Depreciation, executive autos.

Billing costs.

Executive life insurance.

Wages of receptionist, executive offices.

c. Manufacturing Cost

Property taxes, factory.

Boxes used for packaging detergent produced by the company.

Supervisor's salary, factory.

Wages of workers assembling computers.

Insurance, finished goods warehouses.

Lubricants for production equipment.

Microchips used in producing calculators.

Magazine subscriptions, factory lunchroom.

Thread in a garment factory.

Ink used in textbook production.

Fringe benefits, assembly-line workers

Yarn used in sweater production

Part 3

Direct or Indirect Cost

a. Direct Cost

Boxes used for packaging detergent produced by the company.

Wages of workers assembling computers.

Microchips used in producing calculators.

Thread in a garment factory.

Yarn used in sweater production

b. Indirect Cost

Property taxes, factory.

Supervisor's salary, factory.

Insurance, finished goods warehouses.

Lubricants for production equipment.

Magazine subscriptions, factory lunchroom.

Ink used in textbook production.

Fringe benefits, assembly-line workers

Explanation:

Variable Costs vary with the number of units sold or produced, whilst fixed cost remain constant.

Manufacturing Costs comprises of all costs related to manufacture of the products.

Direct Cost are those that can be easily traced on the product being manufactured, whilst indirect costs are difficult to trace to the product being manufactured.

The below table shows the (variable/fixed),(selling/administrative/manufacturing), and (direct/indirect) costs for various cost items as follows:  

Variable costs: Costs that vary in direct proportion to the number of units produced or sold. Examples include direct materials, direct labor, and sales commissions.

Fixed costs: Costs that remain constant regardless of the number of units produced or sold. Examples include rent, salaries of administrative staff, and insurance premiums.

Selling costs: Costs incurred in promoting and selling products or services, such as advertising expenses and sales commissions.

Administrative costs: Costs associated with the general administration and management of a business, such as salaries of administrative staff, office supplies, and utilities.

Manufacturing costs: Costs directly associated with the production of goods, including direct materials, direct labor, and manufacturing overhead.

Direct costs: Costs that can be directly traced to a specific product or service, such as the cost of raw materials used in manufacturing a particular product.

Indirect costs: Costs that cannot be directly attributed to a specific product or service but are incurred for the overall operation of the business, such as factory rent and utilities.

 

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In preparation for the winter season, a clothing company is manufacturing parka and goose overcoats, insulated pants, and gloves. All products are manufactured in four different departments: cutting, insulating, sewing, and packing. The company has received firm orders for its products. The contract stipulates a penalty for undelivered items. The following table provides the pertinent data of the situation.
Department Parka Goose Pants Gloves Capacity
Cutting 0.30 0.30 0.25 0.15 1000
Insulating 0.25 0.35 0.30 0.10 1000
Sewing 0.45 0.50 0.45 0.22 1000
Packaging 0.15 0.15 0.10 0.05 1000
Demand 800 750 600 500
Unit profit 30 40 20 10
Unit Penalty 15 20 10 8
Formulate the Problem as a LP Problem.

Answers

Answer:

Let A represent no of Parka produced

Let B be number of Goose Produced

Let C be number of Number of Pants

Let D be number of Gloves

A', B', C' and D' are shortages in production if any. The range of these variables will be from 0 to Demand.

Out objective is to plan our production to maximize net profit (Profit-Penalty).

Maximize

P = 30A + 40B + 20C + 10D - 15A' - 20B'  - 10C' - 8D'

s.t

0.3A + 0.3B + 0.25C + 0.15D ≤ 1000

0.25A + 0.35B + 0.30C + 0.10D ≤ 1000

0.45A + 0.50B + 0.40C + 0.22D ≤ 1000

0.15A + 0.15B + 0.10C + 0.05D ≤ 1000

0 ≤ A'  ≤ 800

0 ≤ B'  ≤ 750

0 ≤ C'  ≤ 600

0 ≤ D'  ≤ 500

The LP problem is:

Maximize [tex]z= 30x_1 + 40x_2 + 20x_3 +10x_4 - 15s_1 -20s_2 - 10s_3 - 8s_4[/tex]

Subject to

[tex]0.3x_1 + 0.3x_2 + 0.25x_3+0.15x_4 \le 1000[/tex][tex]0.25x_1 + 0.35x_2 + 0.3x_3+0.1x_4 \le 1000[/tex][tex]0.45x_1 + 0.5x_2 + 0.45x_3+0.22x_4 \le 1000[/tex][tex]0.15x_1 + 0.15x_2 + 0.1x_3+0.05x_4 \le 1000[/tex][tex]x_1 + s_1 = 800[/tex], [tex]x_2 + s_2 = 750[/tex], [tex]x_3 + s_3 = 600[/tex], [tex]x_4 + s_4 = 500[/tex]Where: [tex]x_1,x_2,x_3,x_4 \ge 0[/tex]

Represent the products with x1, x2, x3 and x4, and the slack variables with s

From the table entries, we have the unit profit and the unit penalty.

So, the maximized function would be:

Total profit - Total penalty.

This gives

[tex]z= 30x_1 + 40x_2 + 20x_3 +10x_4 - 15s_1 -20s_2 - 10s_3 - 8s_4[/tex]

The constraints for cutting, insulating, sewing and packaging would be:

[tex]0.3x_1 + 0.3x_2 + 0.25x_3+0.15x_4 \le 1000[/tex]

[tex]0.25x_1 + 0.35x_2 + 0.3x_3+0.1x_4 \le 1000[/tex]

[tex]0.45x_1 + 0.5x_2 + 0.45x_3+0.22x_4 \le 1000[/tex]

[tex]0.15x_1 + 0.15x_2 + 0.1x_3+0.05x_4 \le 1000[/tex]

Lastly, the demand entries would be the sum of the product variables, and the slack variables.

So, we have:

[tex]x_1 + s_1 = 800[/tex]

[tex]x_2 + s_2 = 750[/tex]

[tex]x_3 + s_3 = 600[/tex]

[tex]x_4 + s_4 = 500[/tex]

Hence, the LP problem is:

Maximize [tex]z= 30x_1 + 40x_2 + 20x_3 +10x_4 - 15s_1 -20s_2 - 10s_3 - 8s_4[/tex]

Subject to

[tex]0.3x_1 + 0.3x_2 + 0.25x_3+0.15x_4 \le 1000[/tex]

[tex]0.25x_1 + 0.35x_2 + 0.3x_3+0.1x_4 \le 1000[/tex]

[tex]0.45x_1 + 0.5x_2 + 0.45x_3+0.22x_4 \le 1000[/tex]

[tex]0.15x_1 + 0.15x_2 + 0.1x_3+0.05x_4 \le 1000[/tex]

[tex]x_1 + s_1 = 800[/tex], [tex]x_2 + s_2 = 750[/tex], [tex]x_3 + s_3 = 600[/tex], [tex]x_4 + s_4 = 500[/tex]

Where:

[tex]x_1,x_2,x_3,x_4 \ge 0[/tex]

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Prepaid rent for three months, $3,600. May 5 Received and paid electricity bill, $900. May 9 Received cash for meals served to customers, $2,000. May 14 Paid cash for kitchen equipment, $3,120. May 23 Served a banquet on account, $3,200. May 31 Made the adjusting entry for rent (from May 1). May 31 Accrued salary expense, $1,800. May 31 Recorded depreciation for May on kitchen equipment, $52

Answers

So what’s the question?

Select the best opening for a letter from a local nonprofit organization that refuses a request for a charitable donation.
A. The services you provide for homeless families in our community are necessary and important.
B. This is to inform you that your kind letter of May 14 has been directed to me for reply.
C. We have received your letter requesting a donation to your annual fund-raiser.
D. Although we admire what your organization does for our community, unfortunately we are unable to donate to your fund-raiser at this time.

Answers

Answer:

B. This is to inform you that your kind letter of May 14 has been directed to me for reply.

Explanation:

According to the given options, the option B should be selected for refusing the request for a charitable donation as letter of may 14 would be directed to me for reply as it represent the declination of request made for charitable donation

So the option b is correct

and, the rest of the options are incorrect

The Coyote Watershed has two large reservoirs built and operating on-stream to capture storm runoff in the upper watershed. They are named Coyote and Anderson Reservoirs. The capacities of these two reservoirs are 23,244 ac-ft and 90,373 ac-ft, respectively. Coyote Reservoir is approximately five miles upstream from the high water line of Anderson Reservoir and is regulated by releasing water downstream into Anderson Reservoir.
In January, 2017, storms added considerable volume of water to this set of reservoirs, approximately 20,000 ac-ft of runoff were captured. Assuming the upper watershed is 200 square miles and is saturated (100% runoff), calculate the total inches of rain needed to add this amount of runoff to yield this net increase in the two reservoirs combined. Hint: 1 sq. mi. = 640 acres 1 acre-ft= 12 acre inches

Answers

Answer:

The answer is "1.875 in of rain"

Explanation:

The reservoir size is negligible. It's just a problem how often rain is required for 20000 acre-feet across an area of 200 square miles.

Calculating the area in acre:

 [tex]= 200 \ mi^{2} \times 640 \frac{acre}{mi^2}\\\\= 128,000 \ acres[/tex]

calculating the value of the rainfall in feet:  

[tex]= \frac{20,000 \ acre\-feet}{128,000 \ acres}\\\\= 0.15625 \ ft[/tex]

calculating the value of Rainfall in inches:

[tex]= 0.15625 \ ft \times 12 \frac{in}{ft}\\\\= 1.875 \ \text{in of rain}[/tex]

HELP A company can have a competitive advantage if it

produces a comparable product at the same cost as others in the market.
builds the best reputation for quality of all companies in the market.
has about the same manufacturing costs as other companies in the market.
All of the above.

Answers

D. All of the above

On January 1, Gucci Brothers Inc. started the year with a $696,000 balance in Retained Earnings and a $602,000 balance in common stock. During the year, the company reported net income of $109,000, paid a dividend of $14,400, and issued more common stock for $30,000. What is total stockholders' equity at the end of the year?

Answers

Answer:

See below

Explanation:

Given the above information, we will first calculate the common stock

Common stock = Balance in common stock + Common stock issued

= $602,000 + $30,000

= $632,000

Retained earnings

= Balance in retained earning + Net income - dividend paid

= $696,000 + $109,000 - $14,400

= $790,600

Total stockholder equity

= Common stock + retained earning

= $632,000 + $790,600

= $1,422,600

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