aisha is a human resources manager at a large trucking firm. when new employees start working at the firm, aisha has them fill out paperwork, so the company can deposit their paychecks directly into their bank accounts. which electronic banking innovation does aisha most likely use to set up these direct deposits?

Answers

Answer 1

Aisha is most likely to use An automated Clearinghouse to set up these direct deposits.

What do you mean by Deposits?

A deposit is money you put into your bank account. Types of Deposits include - Current Account, Recurring Deposits, Savings Accounts, and Fixed Deposit Accounts.The most common form of a term deposit is a bank certificate of deposit or CD.The automated clearinghouse (ACH) system is a nationwide network through which depository institutions send each other batches of electronic credit and debit transfers.These include payroll, social security benefits, and tax refunds.

Hence, she will probably invest in An automated Clearinghouse from the given link

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Related Questions

940 at a budgeted direct labor hour rate of $15. the budgeted fixed cost is $950 per month. the total budgeted overhead cost will be

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Based on the calculations, the total budgeted overhead cost will be equal to $15050.

What is a budget?

A budget can be defined as a financial plan that is typically used for the estimation of revenue and expenditures of an individual, business organization or government for a specified period of time, often one year.

How to calculate the total budgeted overhead cost.

Total budgeted overhead cost = (940 × 15) + 950

Total budgeted overhead cost = 14,100 + 950

Total budgeted overhead cost = $15050.

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identify the five fundamental questions that all economies, whether market or command, must address. (check all that apply.)

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Answer:

1. What goods and services are produced?

2. What is the quantity of goods that should e provided?

3. How should the goods produce?

4. How are the goods distributed in the market?

5. How is the progress or changes initiated into the system?

Explanation:o the system

1. It is important to understand the market trends, and customer demands before finalizing the type of products or goods that are needed to be produced.

2. After getting a clear picture of the targeted market section or respective customer section it is important to be aware of the quantity of the goods that are needed to meet the demand of the customers.

3. It is important to have a clear idea of how our goods are produced which includes the decision of selecting the operations, layout of machinery, employee involvement, and duties.

4. Distribution of goods plays a vital role. the profitability of any business depends on distribution increase in sales can help in earning profits and also improves the chances of sustainability of the business in the market

5. Every business aims to grow. While expanding the business it is important to consider alternatives for implementing changes in the organization and also be prepared to adopt to the changes.

Artist marvin gaye wrote a song entitled​ gotta give it​ up. This song is an example of​ _____________ property.

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Artist marvin gaye wrote a song entitled​ gotta give it​ up. This song is an example of​ Intellectual property.

What is intellectual property example?Intellectual property can take numerous forms, and each form has its own set of protections.In this post, we will cover the fundamentals of the most prevalent categories of intellectual property, including copyright, moral rights, trademarks, patents, and trade secrets. In general, the creator or originator of an idea, work, or innovative invention is assumed to be the owner of the copyright to their creations.The copyright, however, belongs to the employer if the work was generated as part of a work-made-for-hire agreement or in an employer-employee agreement. The protection of intellectual property (IP) is critical for the growth of innovation.It encourages innovation and can provide significant benefits to organizations, employees, and society.

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A plant heterozygous for yellow seeds is crossed with a plant homozygous for green seeds. Use the punnett square to predict the phenotype of the offspring. 1 2 3 4.

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The offspring ratio for yellow and green seeds will be 1:1. The Punnett Squares are the diagrammatic representations of the phenotype and genotype of the offspring.

What is Punnett Square ?The Punnett square is a square diagram used to predict genotypes of a specific cross or breeding experiment. It is named after Reginald C. Punnett, who invented it in 1905. Biologists use the diagram to calculate the likelihood of an offspring having a specific genotype.Take the heterozygous yellow seeds with genotype Yy. Yellow heterozygous seeds are crossed with purebred green seeds.The purebred green seeds have the genotype yy, and the attachment below shows the cross between heterozygous and purebred parents.The heterozygous yellow and purebred green seeds will produce 50% heterozygous yellow and 50% purebred green offspring.

As a result, the offspring ratio for yellow and green seeds will be 1:1.

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Answer:

1

✔ yellow

2

✔ green

3

✔ yellow

4

✔ green

Explanation:

All the considerations consumers evaluate when making a purchase can be best described as.

Answers

The best way to summarize the factors buyers take into account when making a purchase is the entire product offer.

Customer feedback?It is the process of evaluating the qualities or effectiveness of new or existing products or services based on how consumers perceive them. Your decision-making process must be guided by and informed by customer feedback if you want to innovate and make improvements to your product or service.factors to take into account when purchasingQuality Factors to Consider Before Buying.Quantity Factors in the Make vs. Buy Decision.Cost Factors in Buy or Make Decisions.As a result, buyers analyze the total product offer while making a purchase.      

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How can you be sure to wear the right clothes for work?

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It depends where you work

the environment ministry in japan proposed a new carbon tax to meet japan's obligations to reduce carbon dioxide emissions under the kyoto treaty. the tax would be levied on producers and importers of fossil fuels and raise the cost of using fossil fuels. how do most economists view a tax such as this?

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A neoclassical economist would support this tax on pollution as a way of making decisions markers consider all costs.

Environmental economics is a branch of neoclassical economics. An externality is one of the key ideas of environmental economics, which aims to apply neoclassical notions to environmental problems.

When a third party is impacted by an economic activity without the effects being reflected in the costs and prices, this is known as an externality.

As a result of the numerous negative externalities associated with burning fossil fuels, such as urban pollution and climate change, it should either be discouraged or made more expensive to more fairly account for those externalities in its costs.

A carbon tax would be supported by a neoclassical economist because it would make burning fossil fuels more expensive in order to account for the externalities and because it would deter this kind of activity.

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a stock has an expected return of 9%. what is its beta? assume the risk-free rate is 6% and the expected rate of return on the market is 12%.

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The difference between the anticipated return on a market portfolio and the risk-free rate is known as the market risk premium (MRP). The market return - risk-free rate is = 12% - 6% = 6% to get the market risk premium.

Explain about the beta?

A security's volatility or systematic risk in respect to the greater market is measured by a company's beta. The beta of an organization measures how its equity market value changes in reaction to changes in the larger market.

Beta is a metric that quantifies how much a stock will fluctuate in response to movements in the general stock market. A stock's price responsiveness to shifts in the general stock market is measured by beta

A stock's anticipated movement in relation to changes in the entire market is measured by the concept of beta. A stock with a beta larger than 1.0 is thought to be more volatile than the overall market, whereas one with a beta below 1.0 is thought to be less volatile.

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if a merchandiser records a debit to accounts receivable and a credit to sales revenue, they have most likely

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if a merchandiser records a debit to accounts receivable and a credit to sales revenue, they have most likely Credit sales recorded.

We have accounts receivable as an asset account and the sales have already been made. Sales revenue has been generated and will be credited to accounts receivable. Sales revenue is a source of income, and accounts receivable are sources of assets.

Some credit sales have clauses, such as interest income clauses, that state that if a payment is not made, an amount will be received after a certain amount of time has passed.

Credit sales are transactions in which the outstanding balance will be paid at a later time. In other words, credit sales refer to transactions in which customers make purchases but do not pay in full, in cash, at the time of the transaction.

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if producers expect lower prices for their goods or services in the future, they will now, which is illustrated by a shift of the supply curve to the .

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If producers expect lower prices for their goods or services in the future, they will increase their supply now, which is illustrated by a shift of the supply curve to the right.

The current supply curve will move to the right if producers anticipate future price decreases.

When producers anticipate lower prices in the future, it indicates a decline in their profitability. Given that prices are higher right now, the producer can increase profits by making and selling more products right now. The supply will increase as a result, and the supply curve will move to the right.

In order to explain how changes in the price of a resource, commodity, or product affect its supply and demand, the law of supply and demand combines two basic economic principles.

While demand declines as the price rises, supply increases. In contrast, as the price falls, supply becomes more limited and demand rises.

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true or false? prevention and demand reduction are less costly strategies than interdiction or penalties administered via the criminal justice system.

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True prevention and demand reduction are more cost-effective than prohibition or penalties imposed through the criminal justice system.

Which strategy reduces crime more effectively?

In general, there is a lot of evidence that the manner in which police officers are deployed, such as through directed patrols, proactive arrests, and problem-solving in high-crime areas, has the greatest impact on preventing serious crime.

Why is punishment most effective when it deters?

According to the economic theory of deterrence, an increase in the cost of committing a crime should discourage individuals from doing so. However, there is evidence that those who anticipate being caught and punished are less likely to commit a crime than those who do not anticipate being caught or punished.

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average and poor business writers are more likely than excellent writers to focus on the stage first.

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Average and poor business writers are more likely than excellent writers to focus on the first stage which is the Drafting stage.

The writer drafts his ideas into complete thoughts, such as sentences and paragraphs. The writer organizes his ideas so that the reader can understand his message. He accomplishes this by concentrating on which ideas or topics to include in the writing.

The peer-review forum is intended to provide an objective assessment of a writer's draft.

It is not the time to criticize the individual's personality; rather, his work has been proofed and suggestions have been made.

To have a productive peer review, discuss the draft rather than the writer.

The complete question is:

Average and poor business writers are more likely than excellent writers to focus on the _____ stage first.

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which of the eight traits/skills associated with being an effective project manager is the most important? the least important? why?

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All eight traits are equally important traits of an effective project manager and it depends on individual selection as personal integrity is as essential as a skilled politician.

For the management of a project, there are definite eight traits/skills associated with being an effective project manager:

Systems thinker (perfectly understands the work)Personal integrity (building up trust in order to facilitate better)High emotional intelligence (EQ).Proactive (ability to handle and associate the situation)Skillful politician (to deal with conflicting agendas)General business perspective (have a practical approach to the practical world)Effective time management (know the importance of time for the team)Optimist (always encourage each team member in order to keep them motivated for work).

Dividing these skills by importance level, it could hardly be done as all eight traits are important to being an effective manager.

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let $a$ and $b$ be distinct positive divisors of $80.$ what is the smallest possible value of $ab$ which is not a divisor of $80?$

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The canonical factorization of 80 is 24×5. Any factor of 80 will be of form 2u5v,0≤u≤4, and 0≤v≤1.

Let's say a=2u5v and b=2w5x and 0≤u,w≤4 and 0≤v,x≤1 .Now ab=2u+w5v+x. If ab is not a divisor of 80, then either condition is true.u+w>4 or v+x>1 .

If v+x>1 holds, then the only solution is v=x=1. In this case, the smallest value of u+w will be 1 because u+v=0⟹u=v=0 means a=b=5. This is not true because a and b are different. If u=0,w=1 then a=5, b=10, ab=50.

Computes the smallest value when u+w>4 runs. The smallest value of u+w is 5. Take v=x=0 in this case. u=1,v=4 is acceptable because it gives different values ​​for a and b i.e. 2 and 16. In this case, the value of ab is 32.

In both cases, 32 is the smallest, so 32 is the number you want.

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a competitive firm sells its output for $30 per unit. the marginal product of the 10th worker is 20 units of output per day; the marginal product of the 11th worker is 16 units of output per day. the firm pays its workers a wage of $150 per day. for the 11th worker, the value of the marginal product of labor is?

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If  the marginal product of the 11th worker is 16 units of output per day. the firm pays its workers a wage of $150 per day. for the 11th worker, the value of the marginal product of labor is $480.

How to find the marginal product of labor?

Using this formula to determine the marginal product of labor

Marginal product of labor = Output per unit ×  Marginal product of the 11th worker

Let plug in the formula

Marginal product of labor = $30 per unit × 16 units

Marginal product of labor = $480

Therefore the marginal product of labor  is $480.

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if market interest rates longterm bonds will decline in value more than shortterm bonds. b. longterm bonds will rise in value more than shortterm bonds. c. shortterm bonds will decline in value more than longterm bonds. d. shortterm bonds will rise in value more than longterm bonds.

Answers

If market interest rates long-term bonds will rise in value more than short-term bonds.

The correct option is B.

What interest rates means?

An interest rate provides information on how costly lending is or how profitable saving is. As a result, the amount you spend for borrowing when you are a lender and the interest rate are both expressed as a proportion of the total loan amount.

What impact do interest rates have on businesses?

Businesses with current loans and company credit cards may experience higher interest payments, less discretionary income, and greater overheads as a result of an increase in interest rates. In some circumstances, borrowers can find themselves repaying the loan principal in addition to the interest only.

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The complete question is -

If market interest rates -

a. long-term bonds will decline in value more than short-term bonds.

b. long-term bonds will rise in value more than short-term bonds.

c. short-term bonds will decline in value more than long-term bonds.

d. short-term bonds will rise in value more than long-term bonds.

at the beginning of 2024, terra lumber company purchased a timber tract from boise cantor for $2,950,000. after the timber is cleared, the land will have a residual value of $670,000. roads to enable logging operations were constructed and completed on march 30, 2024. the cost of the roads, which have no residual value and no alternative use after the tract is cleared, was $228,000. during 2024, terra logged 570,000 of the estimated 5.7 million board feet of timber. required: calculate the 2024 depletion of the timber tract and depreciation of the logging roads, assuming the units-of-production method is used for both assets. note: do not round intermediate calculations. enter values in whole dollars.

Answers

The depreciation rate for timber tracts is $228000 and $22800 for logging roads

Depreciation is the process of subtracting the entire cost of an expensive item you purchased for your company. However, you write off portions of it over time rather than completing it all together in one tax year. Depreciating assets gives you more control over your budget because you may schedule how much money is written off annually. The useful life of an item determines how many years you depreciate it (e.g., a laptop is useful for about five years). Different assets are grouped into various classes for tax depreciation, and each class has a distinct useful life.

[tex]{}Depletion \ rate \ for \ timber \ tract \ = \ \dfrac{Purchase \ price \ - \ Residual \ value}{Board \ feet \ of \ timber} \ \times \ Terra \ logged \\ Depletion \ rate \ for \ timber \ tract \ = \ \dfrac{2,950,000 \ - \ 670,000}{5,700,000} \ \times \ 570,000 \\ Depletion \ rate \ for \ timber \ tract \ = \ \dfrac{2,280,000}{5,700,000} \ \times \ 570,000 \\ Depletion \ rate \ for \ timber \ tract \ = \ 0.4 \ \times \ 570,000 \\ Depletion \ rate \ for \ timber \ tract \ = \ 228,000 {}[/tex]

[tex]{}Depletion \ rate \ for \ logging \ roads \ = \ \dfrac{Cost \ of \ roads}{Board \ feet \ of \ timber} \ \times \ Terra \ logged \\ Depletion \ rate \ for \ logging \ roads \ = \ \dfrac{228,000}{5,700,000} \ \times \ 570,000 \\ Depletion \ rate \ for \ logging \ roads \ = \ 0.04 \ \times \ 570,000 \\ Depletion \ rate \ for \ logging \ roads \ = \ 22,800 {}[/tex]

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What called information?.

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The meaningful data is called as information.

The any meaningful data is called as the information. information is made up of the date and is helpful in building knowledge. information is called as the organized data. the data which is processed organized. sorted, formatted, calculated by a computer system it is also called as information.  information is the stimuli which has the meaning in some of the context for the receiver.

Thus, simply we can say that the processed data is called as the information. the information is the set of the data that is being processed in the meaningful way.

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davidson was recently promoted to the position of manager of the it department of his company. because of davidson's lack of prior experience in a management role, the management of the company appointed a consultant to help davidson improve his interpersonal skills and to provide effective decision-making strategies that davidson could use to resolve conflicts within his team. in this scenario, davidson's consultant can be best described as a(n)

Answers

Davidson's consultant can be best described as a leadership coach.

Who is a consultant?

A professional who offers advise and engages in other deliberate actions in a field of specialization is referred to as a consultant (also known as an expert or specialist). In most cases, consulting work is classified as a form of contingent professional job. A consultant is someone who works for or is engaged in providing qualified advice to members of the public or professionals. A consultant is someone who advises on "how to change, proceed in, or streamline given process within specialised field," according to a description provided by the Harvard Business School. The Consulting Bible author Alan Weiss writes, "When we walk away from a client, the customer's conditions should be better than they were before we came or we've failed." "Consultant" is not a title that is legally protected.

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On april 1st, 2022, howard & sons law firm, whose fiscal year-end is september 30th, purchased a building for $1,400,000. The building is expected to remain in service for 50 years, and it will be depreciated using the straight-line method. If the expected salvage value is $800,000, what will be the book value of the building on september 30th, 2033?.

Answers

It will be depreciated using the straight-line method. If the expected salvage value is $800,000. $1,262,000. will be the book value of the building on September 30th, 2033.

Asset cost - salvage value= $600,000 depreciable base. Dividing this result by 50 results in annual depreciation of $12,000. Multiplying the yearly depreciation by 11.5 years results in an accumulated depreciation of $138,000.

In account, book value is the value of an asset according to its balance distance account balance. For means, the value is grounded on the original cost of the asset less any deprecation, amortization, or impairment costs made against the asset.

(1)Traditionally, a company's book value is its total means( explanation demanded) minus impalpable means and arrears.( 2) still, in practice, depending on the source of the computation, book value may perfectly include goodwill, impalpable means, or both.( 3) The value essential in its pool, part of the intellectual capital of a company, is always ignored. When impalpable means and goodwill are explicitly barred, the metric is frequently specified to be" palpable book value".

In the United Kingdom, the term net asset value may relate to the book value of a company.

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establishing a baskin-robbins franchise inside a blimpee's franchise is an example of franchising.

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Establishing a Baskin-Robbins franchise inside a Blimpie franchise is an example of  Cobranding or piggyback franchising.

A franchise (or franchising) is a design of distributing output or duties including a franchisor, the one demonstrates the brand's trademark or brand name and a trading method, and a franchise, the one pays a royalty and frequently a beginning payment for the right commotion trade under the franchisor's name and system.

Co-branding (also known as piggyback franchising and two-fold or combination franchising) is, at face value, an outstanding plan: Take two franchise ideas, stick the ruling class in the alike construction and watch the income roll in. The forms of co-branding involve factor co-stigmatizing, unchanging-company co-tainting, nationwide to local co-tainting, joint venture co-stigmatizing, and multiple sponsor co-tainting.

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the grand isle has 12,000 shares of stock outstanding at a market price of $31.60 per share. the book value per share is $12.08. the firm has earnings per share of $1.86 and a dividend payout ratio of 0.40. what is the firm's sustainable rate of growth? 9.24 percent 10.86 percent 10.57 percent 8.88 percent 9.71 percent

Answers

The grand isle has 12,000 shares of stock outstanding at a market price of $31.60 per share. the book value per share is $12.08. the firm has earnings per share of $1.86 and a dividend payout ratio of 0.40. 9.24 percent is the firm's sustainable rate of growth.

The price at which a good or service can currently be purchased or sold is known as the market price. The dynamics of supply and demand influence the market price of a good or service. The market price is the cost at which the quantity supplied and the amount demanded are equal.

The market value reflects a firm's worth in terms of the stock market. It is the cost that an asset would command on the open market. When referring to businesses, market value and market capitalization are equivalent. It is a sum of money calculated using the share price of the firm as of the current trading day.

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types of home first mortgages differ by the presence or absence of a due-on-sale clause. types of loans that almost always have due-on-sale clause include:

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The existence or absence of a due-on-sale provision distinguishes different types of home-first mortgages. Conventional mortgage loans are among the loan kinds that virtually usually feature a due-on-sale condition.

Conventional simply indicates that there is no special government program associated with the loan. While more challenging to get, conventional loans are often less expensive than FHA loans. If you don't have much debt and have a good credit score, a conventional loan is a wonderful choice.

By paying 20% of the loan amount up in advance, you can eliminate PMI and minimize your monthly mortgage payments. Conventional loans are available with a down payment as low as 3% if you are unable to make a sizable upfront payment. higher standards for credit scores than those for government loan programs.

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which act prevents cell phone companies and social media networks from divulging private communications to certain entities and individuals?

Answers

Customers of network service providers have statutory privacy protection thanks to the Stored Communications Act (SCA), which was passed in 1986.

What does the Stored Communications Act do?A piece of legislation passed by Congress in 1986 as part of the Electronic Communications Privacy Act (18 U.S.C. 2701–2712). The SCA guards the confidentiality of: wire and electronic communications while they are being stored electronically (for example, e-mails stored on a server).The SCA forbids providers from disclosing electronic communications to anyone or anything, but it also has some exceptions, like when the government compels the information. The SCA regulates electronic records and communications that are "at rest" or that are kept in electronic storage by providers.§ 2701,In order to preserve the privacy of stored electronic communications, either before they are conveyed to the receiver or, if a copy of the message is kept, after they are delivered, the 1986 Act introduced additional legislative provisions, 18 U.S.C. 2701 to 2710.

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what is the difference between the ledger approach and the accounts approach to parallel valuation in asset accounting?please choose the correct answer.

Answers

In the accounts technique, as opposed to the ledger approach, you assign a totally different set of accounts for each accounting principle.

The account technique posts to distinct accounts in the same ledger while the ledger approach posts to the same accounts in different ledgers.

Account-based approach is a parallel accounting solution in which the Chart of Accounts is created utilising several accounting concepts. Account logic may serve as the foundation for the account-based approach's architecture.

In conclusion, the account technique posts to distinct accounts in the same ledger while the ledger approach posts to the same accounts in different ledgers.

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assume you take a first and second loan on a commercial property; both are interest-only loans with one financing 60% of the purchase price at a 5% interest rate, and the other financing 20% of the purchase price at a 15% interest rate. positive leverage would be created in the first year if the property was purchased with expected returns equivalent to

Answers

If you look at the information in the question, you'll notice that the return is less than the cost of borrowing (loan interest rate) (ATIRR). This indicates that there is negative leverage and that the property cannot utilise it.

Positive leverage would be created in the first year if the property was purchased with expected returns equivalent to leverage.

Financial leverage is the process of using borrowed money (debt) to buy assets in the expectation that the income from the new asset or capital gain would outweigh the cost of borrowing. The leverage is summed up in this idea. By using debt (loan money), or leverage, we mean to increase the profits on an investment or project.

Leverage allows investors to increase their market buying power.

Leverage is a tool used by businesses to finance their assets. Rather than issuing stock to raise money, businesses can use debt to finance operations in an effort to boost shareholder value.

The most popular financial leverage ratios to determine how hazardous a company's position is are debt-to-assets and debt-to-equity.

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abc company has the following authorized stock: common stock: 1.00 par value, 100,000 shares on 1/11/15, abc company issued 10,000 shares of common stock for $5 per share (cash). what is the credit to common stock?

Answers

Following the information provided about the amount that the company common stock is $50,000.

How do you determine the credit to common stock?

Following the formula below, credit to common stock can be deduced. It is worked out below:

Common stock = Shares of common stock × Per share

Where:

Shares of common stock = 10,000 shares

Per share = $5 per share

Let plug in the formula

Common stock = 10,000 × $5

Common stock = $50,000

Therefore, the amount that the company received is $50,000. It can then be said that the common stock is $50,000.

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g the acme chemical processing company paid $50,000 for research equipment, which it believes will have zero salvage value at the end of its 5-year life. compute the depreciation schedule using: (a) straight line (b) double declining balance (c) 100% bonus depreciation (d) modified accelerated cost recovery system

Answers

Depreciation is a phrase that covers two different elements of the same idea: first, the real decline in an asset's fair value, such as the annual decline in the worth of factory equipment.

Straight-line depreciation uniformly distributes an asset's cost over the period of time it will be used or its "useful life."

A type of accelerated depreciation method called the double-declining balance method doubles the rate at which the asset value depreciates compared to the straight-line method.

Bonus depreciation enables a taxpayer to deduct the cost of depreciable assets from their short-term taxable income.

A modified accelerated cost recovery system is referred to as MACRS. In the US, asset depreciation is computed using the tax depreciation system.

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Which subfield of industrial-organizational psychology focuses mostly on hiring practices?.

Answers

Human factors psychology subfield of industrial-organizational psychology focuses mostly on hiring practices.

Psychology is the clinical take a look at of thoughts and conduct. Psychology consists of the take a look at of aware and unconscious phenomena, including feelings and thoughts. it is an educational discipline of big scope, crossing the limits among the natural and social sciences.

The science of psychology blessings society and enhances our lives. Psychologists examine the relationships among brain characteristic and behavior, and the environment and conduct, making use of what they learn how to remove darkness from our expertise and enhance the world around us.

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terry attends college and works part-time job in a drug store. she can work up to 40 hours each week, and is paid $9 per hour. the table below shows her utility from different levels of leisure and income. if terry decides to work 20 hours per week, her total utility from both leisure and income would be:

Answers

Terry's Total Utility from both leisure and income, if she chooses to work 20 hours per week, would be 142.

Total utility is the overall satisfaction a buyer experiences after using a specific good or service. Each distinct unit of products or services has its own marginal utility. The sum of all such individual objects' marginal utilities is the total utility.

Leisure    Total Utility       Work     Income    TU from      TU from

Hours       from Leisure    Hours                      Income       both

(1)                  (2)                  (3)            (4)              (5)             (6) = (5) + (2)

                    0                   40            360            107                107

5                   18                  35            315             103                121

10                 34                  30            270             98                132

15                 48                  25            225             92                140

20                56                  20            180              86                142

25                60                  15             135              77                 137

30                65                  10              90              59                 124

35                69                   5              45               35                 104

40                72                   0                0                0                    72

Terry had worked a total of 40 hours, not counting his free time. the three columns—work hours (Column 3), income (Column 4), and take-home pay (Column 5)—so that more work results in more income and more leisure time produces less work and lower income. Columns 2 and 5 can be added together to determine that she would have a total utility from leisure and money of 142, which is equal to 20 hours of labor.

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