Individual incentive bonuses serve as financial incentives.
What is incentive?Rewards and perks are used as incentives to encourage positive workplace habits. They take many different shapes, including paying for college, giving employees extra time off, and giving employers more flexibility.
However, incentives are not only economic in nature; they might be one of three types: Economic Motivators: Material Gain/Loss (doing what's best for ourselves) Gaining/losing reputation is a social incentive (being seen to do the right thing) Moral
All of Jacinta's coworkers put forth a lot of effort all year long. Jacinta wants to show her appreciation for their efforts and give the staff a motivational boost to strive even harder. She makes the decision to pay each employee for one additional week. Financial incentives come in the form of individual incentive bonuses.
Therefore, Individual incentive bonuses serve as financial incentives.
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all of the following are manufacturing costs except: multiple choice question. office salaries direct materials direct labor overhead costs
All of the following are manufacturing costs except office salaries.
Manufacturing costs are the costs incurred during the production of a product. These costs also include direct material, direct labor, and manufacturing overhead. The costs are often shown in the revenue statement as separate line items.
An organization incurs these costs when producing something. Direct materials are those that are used in the production of a product. Direct labor is the portion of the labor costs of the production process that is specifically attributable to a unit of production.
Manufacturing overhead costs are allocated to units of production using a variety of different mechanisms, such as by direct labor hours or machine hours used.
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are economists who generally emphasize the importance of aggregate supply in determining the size of the macroeconomy over the . group of answer choices
Neoclassical economists are those who frequently highlight the significance of aggregate supply in determining the macroeconomy's size in the long run.
In neoclassical economists, the supply and demand model is seen as the primary force behind the production, consumption, and valuation (price) of commodities and services. This school of thought contends that the value of a good or services is established through a hypothetical maximization of utility by income-restricted individuals and of profits by businesses facing production expenses while utilizing knowledge and production elements that are readily available. This strategy has frequently been defended by citing rational choice theory, a theory that has been seriously contested in recent years.
The neoclassical synthesis, which dominated mainstream economics as "neo-Keynesian economics" from the 1950s to the 1970s, combined Keynesian and neoclassical economics to dominate macroeconomics historically.
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the type of department that generates revenues, incurs costs, and whose manager is responsible for major investment decisions is called a(n):
An investment centre is a specific kind of department that makes money, spends money, and has a manager who makes important investment decisions.
An organization's business units are categorized as investment centers. The key characteristic of an investment center is that it is viewed as a unit and evaluated based on how much capital it uses, as opposed to a costs or profit center, which is evaluated based on its actual expenses or earnings.
Revenues, costs, and assets are all taken care of by the Investment Center, whereas a Profit Center handles both revenues and costs and a Cost Center solely costs. This demonstrates how the sphere of influence and the sphere of accountability expand from cost centers to investment ones. This measurement method has the advantage of being more comprehensive because it takes into account all capital uses.
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which approach to finding value would licensed appraiser christina probably weigh most heavily when appraising a three-unit rental property?
One of the most well-known methods of assessing residential real estate is the sales comparison approach (SCA). When evaluating properties, appraisers and real estate agents most frequently employ this strategy.
How does the sales comparison method (SCA) work?The phrase "sales comparison technique" refers to a real estate appraisal process that evaluates a property against comparables or other previously sold homes in the neighborhood that have comparable features. The sales comparison approach is a method that appraisers and real estate brokers can use to assess properties that are for sale.Using sales prices as proof of the value of comparable properties is known as the sales comparison approach.The price that a certain piece of property sells for is the price that the interaction of supply and demand at the time of sale results in.One of the most well-known methods of assessing residential real estate is the sales comparison approach (SCA). When evaluating properties, appraisers and real estate agents most frequently employ this strategy.To learn more about sales comparison technique refer to:
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advertising managers sometimes hire an outside team of specialists to plan and execute an advertising campaign. these teams are called .multiple choice question.
Advertising managers sometimes hire an outside team of specialists to plan and execute an advertising campaign. These teams are called advertising agencies.
Advertising agencies benefit the company by advertising and campaigning for the products. For improving marketing strategies, advertising agencies are consulted for their expertise in popularizing the brands in the market.
Advertising agencies rely on market researchers, artists, media buyers, and other experts who can provide relevant ideas and contemporary trends in the market.
Advertising agencies save time and energy for the company as they take responsibility for creating strategies, developing ads, and campaigns for the products of companies. It is crucial for brand development in the market.
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If the ncua charges 6.3 cents per 100 dollars insured and credit union l pays $8,445 in ncua insurance premiums, approximately how much is in credit union l’s insured deposits? a. $1.2 million b. $5.3 million c. $13.4 million d. $20.6 million please select the best answer from the choices provided a b c d
If the NCUA charges 6.3 cents per 100 dollars insured and credit union l pays $8,445 in NCUA insurance premiums is option b 5.3 million dollars.
By insurance, what do you mean?Insurance is a tool for risk management. You purchase protection against unforeseen financial losses when you purchase insurance. If something unfavorable occurs, the insurance provider compensates you or a different person of your choosing. If you don't have insurance and an accident occurs, you can be liable for all expenses.
What advantages does insurance offer?Insurance serves as a financial safety net to help you and your loved ones recover in the event of a tragedy, such as a fire, theft, legal action, or car accident. When you get insurance, you will receive an insurance policy, which is a contract that is legally enforceable between you and your insurance company.
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bowling green manufacturing co. has three orders to be shipped to different customers located in seattle, washington. the weights of the respective orders are 13,000 pounds, 9,000 pounds, and 10,000 pounds. the cost to ship each order individually is $17 per 100 pounds. the shipments can be consolidated into a single order for a cost of $14 per 100 pounds with an additional charge of $250 per stop. should the shipments be consolidated?
The answer is yes shipments should be consolidated as the cost is $210 lower with consolidation.
For each item cost is
=(13000*17)/100+(9000*17)/100+(10000*17)/100
=2210+1530+1700
=5440
While shipping costs will be
=((13000+9000+10000)*14/100)+(250*3)
=4480+750
=5230
The total difference is
= (5440-5230)
=210
Now we can say that the cost is $210 lower with consolidation.
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Which philosopher argued in the second treatise of government that people have a natural right to property?.
In The Second Treatise of Government, John Locke outlines his view of property rights (1690). The argument is based on Locke's identification of natural principles.
which allow people to appropriate and exercise control over objects in the world like land and other material resources.
What did John Locke contend in his Second Treatise on Government?
The Second Treatise of Government gives the populace control over sovereignty. The central claim of Locke is that in a natural state where they can live without outside interference, persons are free and equal, and they are endowed with inherent rights.
What is the natural rights doctrine proposed by John Locke?
According to Locke, everyone has some "inalienable" natural rights from birth, which makes everyone equal un his view. To put it another way, these are unalienable, divinely granted rights. "Life, liberty, and property" were listed as some of these fundamental natural rights by Locke.
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gretchen bought a new luggage set priced at $180. the sales tax in her state is 8.5%. what was the total cost of the luggage after-tax?
New luggage set priced at $180 , sales tax is 8.5% so The total cost of the luggage after-tax is 195.3
What is the total cost of the luggage?New luggage set priced at $180 , sales tax is 8.5% .
Formulate based on the conditions stated:
180* (8.5%+1)
Determine the total or difference:
180 * 1.085
Determine the quotient or product: 195.3
get the outcome: 195.3
The total cost of the luggage after-tax is 195.3
Luggage that is checked is measured in linear inches, which is the sum of the dimensions of height, width, and depth. Typically, it has to be smaller than 62 linear inches. As an illustration, if your luggage measured 28 x 20 x 12 inches, it would have a total length of 60 linear inches (28 + 20 x 12 = 60).To learn more about cost of the luggage refer to:
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corner solutions (complete specialization) are very unlikely, in spite of comparative advantage, because
The answer is (D.) all of the above. The complete answer is: Corner solutions (complete specialization) are very unlikely, in spite of comparative advantage, because of all of the above.
When the highest indifference curve attainable is not tangential to the budget line, the consumer spends their entire budget on purchasing as much of one of the goods as possible while purchasing none of the others. When the slope of the indifference curve exceeds the slope of the budget line, the consumer is willing to trade more of good 1 for a unit of good 2 than the market requires. In the international market, complete specialization is mostly when prices are constant and stable, but it is incomplete when costs rise because it leads to an increase in opportunity cost in the market. When world demand is more then the solution will not be able to work.
The complete question is: Corner solutions (complete specialization) are very unlikely, in spite of comparative advantage, because
a. of the law of increasing opportunity cost.
b. some goods are less tradable than others.
с. world demand
d. all of the above
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which of the following are goods that conform to contract specifications? multiple choice adequate goods transforming goods conforming goods reasonable goods superior goods
Conforming goods are goods that conform to contract specifications.
Products that comply with the requirements of the sales contract are referred to as conforming goods. The type and amount of items that a buyer requires are typically stated in a purchase contract under sales legislation. An agreed-upon consideration obligates the seller to provide the customer with the requested items.
When the items provided match the commodities listed in the purchase contract, the goods are referred to as conforming goods.
In addition to quantity, quality, description, and packaging, the conformity of goods is determined by their adherence to standards that will affect how they are used, such as statutory requirements and industry codes.
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What is a commission, as it relates to the stock market? a. the act of making stock available to buy b. a request to buy a specific kind of stock c. profit made from selling stock d. a fee paid to a broker for making a trade
Answer: A. The act of making stock available to buy
Explanation:
a prospect is heavily invested in the common stock of an employer's company, abc, relative to other investments. the stock has performed well over the last 15 years and the prospect is very happy with the investment. after reviewing financial and nonfinancial criteria, you have determined that
After reviewing financial and nonfinancial criteria, you have determined that His nonsystematic risk will be decreased by selling a piece of ABC and using the proceeds to buy mutual funds.
We should be aware that the prospect in this instance has a sizable interest in the business and is consequently subject to non-systematic risk.
It is advised for the prospect to sell a portion of the chunk of the ABC stock and use the proceeds to purchase mutual funds in order to lessen the risk associated with the prospect's significant investment. Diversification like this helps to cut down on risk.
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at bahama foods, the break-even point is 20,000 units. if fixed costs total $60,000 and selling price per unit is $15, what is the variable cost per unit?
The break-even point at Bahamas Foods is 20,000 units. If the selling price per unit is $15 and the total fixed expenses are $60,000, the variable cost per unit will be $18.
How do you calculate variable cost per unit?Multiply the cost of producing one unit of your product by the overall number of items you have produced to determine variable expenses. This equation appears as follows: Cost per unit multiplied by the overall number of units equals total variable costs.
Sales Price: The sales price is the sum of the product's cost and the seller's profit. The contribution margin is the difference between the sales price and the variable costs.
BEP (Units) = Fixed costs / (Unit selling price - Unit variable cost)
20,000 units = $60,000 / (Selling price - $15)
Selling price - $15 = $3
Selling price = $18
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Which element of the promotional mix is characterized by a customized interaction that is extremely expensive but very persuasive and likely to yield immediate feedback?.
Direct marketing is characterized by a customized interaction that is extremely expensive but very persuasive and likely to yield immediate feedback.
What is direct marketing example?Any form of marketing that communicates or distributes with consumers directly, as opposed to indirectly through a third party like the media, is considered direct marketing.Campaigns can be sent using mail, email, social media, and texting, among other distribution methods. To accomplish a certain marketing objective, a promotional mix combines marketing strategies such as direct marketing, sales, public relations, and advertising.Usually, the promotional mix is just a small component of the overall marketing mix. A promotional mix is an allocation of resources among five primary elements: Advertising , Public relations or publicity. Sales promotion. Direct marketing. Personal selling.The different methods of direct marketing include direct mailing, telemarketing, and email marketing. It is also important for companies to adequately segment their target markets in order to be the most successful. Direct marketing can be a great way for a company to market their products and services.To learn more about direct marketing refer
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more than 10 percent of all new businesses in the united states that started between 1945 and 1950 were born in which city? multiple choice question. houston atlanta los angeles new york
More than 10 percent of all new businesses in the United States that started between 1945 and 1950 were born in Los Angeles.
Between 1945 and 1950, Los Angeles was the starting point for more than 10% of all new firms in the United States. In the period from 1940 to 1960, its population increased by more than 50%. The mass adoption of automobiles was a major driving force behind the transformation, allowing Los Angeles and the majority of other cities to dramatically alter their physical appearance. As a result, more remote lands could be colonised and developed into suburbs.
Los Angeles in the early 20th century was the kind of place where today's committed urbanists might feel right at home: a more traditional, mono-centric city where the majority of the region's economic and cultural life took place within a single, rail-fed urban core.
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You’ll be required to carry extra insurance coverage if _____.
You’ll be required to carry extra insurance coverage if (A) you’ve been convicted of a DUI.
What is the insurance coverage?The amount of risk, liability, or possible loss that insurance covers are referred to as insurance coverage. It aids people in making up for monetary losses brought by unfortunate events like vehicle accidents, property damage, or unanticipated medical problems.Your insurance limit, also known as your coverage amount, refers to the highest amount your insurer will settle a claim for under the terms of your policy. The majority of insurance contracts, including those for auto and home, include various types of coverage with distinct coverage limits.If you've been found guilty of a DUI, you must maintain additional insurance coverage.Therefore, you’ll be required to carry extra insurance coverage if (A) you’ve been convicted of a DUI.
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Complete question:
You’ll be required to carry extra insurance coverage if _____. A. you’ve been convicted of a DUI B. you’ve been convicted of a felony C. you are the victim in a crash D. you are not a U.S. citizen
_________ determines the point at which the cumulative dollar value of the benefits from a project equals the investment made in the project.
Breakeven analysis establishes the moment at which the total financial value of project benefits equals the project's investment.
What is break-even analysis?Breakeven analysis establishes the moment at which the total financial value of project benefits equals the project's investment. System developers that use the business case approach create a business case to support financing for one or more particular applications or initiatives. When determining when you will break even financially, a break-even analysis compares the costs of a new business, service, or product against the unit sale price. In other words, it indicates the time when you will have generated enough revenue to pay for all of your expenses.Therefore, breakeven analysis establishes the moment at which the total financial value of project benefits equals the project's investment.
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select the person whose outlook reflects a public speaking myth that will hinder their productivity. a.) barbara doesn't hold herself to a standard of perfection when it comes to speaking in front of a large audience. b.) peter believes that some people are born naturally gifted public speakers, while others are not. c.) vijay believes he's a better public speaker when he spends time thinking about how his audience might respond to him. d.) melody conceptualizes public speaking as a conversation with friends, even though the circle of friends can be quite large. submit my answer
Option B. The myth about public speaking that is reflected here is that Peter believes that some people are born naturally gifted public speakers, while others are not.
What is public speaking?The act of speaking directly to a live audience has historically been referred to as public speaking, also known as oratory or oration. Today, it refers to all forms of public speaking, including pre-recorded speeches transmitted over long distances via technology. long distances via technology.
In essence, it's a presentation made in front of a live audience. Public speeches may touch on a wide range of subjects.
When you stand in front of an audience and give a speech on a subject, it is public speaking. This may occur at a formal or casual gathering. It is natural to feel quite anxious while speaking in front of a large audience because for many people, doing so is a difficult endeavor (with effective training this fear
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which of the following is the primary difference between the underlying assumptions of technical analysis and those of fundamental analysis? a) technical analysts believe the trend in security prices is determined solely by the interaction of economic supply and demand. b) technical analysts maintain that stock prices adjust quickly to the dissemination of public information. c) technical analysts argue that the market only weighs irrational factors, and therefore, the psychology of investors will produce a herd effect. d) technical analysts hold that the price of a security is established by the expected investor return and a combination of risk factors.
Technical analysts maintain that stock prices adjust quickly to the dissemination of public information.
An industry analyst performs number one and secondary marketplace studies within an industry consisting of facts generation, consulting or coverage. Analysts investigate zone developments, create segment taxonomies, size markets, put together forecasts, and expand enterprise models. Industry analysts generally paintings for studies and advisory offerings companies, and some analysts additionally perform advisory (consulting) services. Normally, analysts concentrate on a single phase or sub-phase, researching the large improvement of the marketplace rather than specializing in precise publicly traded groups, equities, investments, or related monetary possibilities as a monetary analyst would possibly.
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jim having had no luck selling his rolex watch in the previous question, decides to put his watch up for auction. at the auction, mark is the highest bidder with a price of $1,500. jim thinks the watch is worth much more than $1,500 and refuses to sell it to mark. is there a valid contract?
No, there is no valid contract between Jim and mark because there is no fulfillment of any essential elements which makes up a contract.
What is a contract?A valid contract is one that is binding and enforceable. In a valid contract, all parties are legally obligated to perform the contract.A contract is a legally binding promise between at least two parties to perform an obligation in exchange for something of value. Contracts may be written, oral, or a combination of both.It is a contract where both parties think in the same sense at the same time. It is a contract that is enforceable in the eyes of the law.
Essential elements of a valid contract are as follows:
offeracceptanceconsiderationagreementenforceabilityconsensuslegal formalitycontractThus, there is no contract between Jim and mark as there is not any essential elements of valid contract present.
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miriam is a real estate salesperson. she has just been handed a $100,000 earnest money deposit certified check from buyers who are interested in a new home. what does she do with the money?
The accurate solution is C. Miriam have to give up the take a look at to simplest her very own broking. At that point, the broking may direct her to place the finances into the palms of the broking's principal; area the finances right into a impartial escrow depository; or deposit the finances into the broking's believe fund financial institution account.
The required details for fund in given paragraph
A fund is a pool of cash this is allotted for a selected reason. A fund may be installed for lots specific purposes: a metropolis authorities placing apart cash to construct a brand new civic center, a university placing apart cash to award a scholarship, or an coverage business enterprise that units apart cash to pay its customers’ claims. The reason of a fund is to set apart a sure amount of cash for a selected need. An emergency fund is utilized by people and households to apply in instances of emergency. Investment finances are utilized by buyers to pool capital and generate a return.
College finances are generally installation with the aid of using dad and mom to make a contribution cash to a kid's destiny university education.
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Complete question
Miriam is a real estate salesperson. She has just been handed a $100,000 earnest money deposit certified check from buyers who are interested in a new home. What does she do with the money?
A. Miriam must turn the money over to the broker listing the home the buyers are interested in purchasing. The broker may then deposit the funds in the broker's trust account.
B. Miriam must hand the check over to her own broker. At that point, the broker might direct her to put the funds into the hands of the broker's principal; hand the funds over to another broker involved in the transaction; or place the funds into the broker's bank account.
C. Miriam must hand over the check to only her own broker. At that point, the broker might direct her to put the funds into the hands of the broker's principal; place the funds into a neutral escrow depository; or deposit the funds into the broker's trust fund bank account.
D. Miriam must simply deposit the check into the broker's account within three business days of receipt of funds. She need not consult her broker on procedure, only follow the trust fund regulations.
chark united sells a tracker that allows parents to track their children through a lightweight, metal bracelet. sales are very low, and parents are avoiding the product due to concerns about cost and the fact that the bracelets seem to break easily. the bracelets are most likely in which stage of the product life cycle?
Chark united sells a tracker that allows parents to track their children through a lightweight, metal bracelet. sales are very low, and parents are avoiding the product due to concerns about cost and the fact that the bracelets seem to break easily. The bracelets are most likely in the introduction stage of the product life cycle.
The object being sold is referred to as a product. A service or an object both qualify as products. It could take on a physical, virtual, or
A piece of jewelry worn around the wrist is called a bracelet. Bracelets can be worn as an adornment or for other purposes. Bracelets can serve as holders for other decorative objects like charms when worn as jewelry.
Some bracelets, such as allergy bracelets, hospital patient identification tags, and bracelet tags for newborn babies, are marked with medical and identifying information. Bracelets can be worn for religious or cultural reasons or to represent a particular phenomenon, such as breast cancer awareness.
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In 2010, some bottles of a competitor’s kombucha were bubbling and leaking at a whole foods in texas. Test results revealed that alcohol levels were higher than normal due to overfermentation. As a result, whole foods removed all kombuchas—including gt’s—from its shelves. After losing all of this distribution, one option for gt’s might have been a form of nonstore retailing that uses machines to offer goods for sale. This is an example of _______.
After losing all of this distribution, one option for it might have been a form of nonstore retailing that uses machines to offer goods for sale. This is an example of automatic vending.
Right here are the styles of retailing that exist these days – save retailing: This includes different forms of retail stores like branch shops, specialty shops, supermarkets, comfort shops, catalog showrooms, drug shops, superstores, discount stores, excessive cost stores, and so forth.
The retailing concept is an idea that examines the evolution of and transformation of the retail lifestyles cycle. This concept was first introduced by using Professor McNair from Harvard College. The retailing idea indicates new retailers will generally begin with low-value and occasional-margin operations.
Retail is the sale of products and services to purchasers, in comparison to wholesaling, that is sales to business or institutional clients. A store purchases goods in massive quantities from manufacturers, without delay or via a wholesaler, after which sells in smaller quantities to purchasers for a profit.
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diane purchased a factory building on june 15, 1993, for $5,000,000. she sells the factory building on february 2, 2017. determine the cost recovery deduction for the year of the sale.
03174 × $5,000,000 × 1.5/12 = $19,838. Prior to May 3, 1993, non-residential real estate was put into service (31.5-year life).
What types of real estate fall under the non-residential category?Any building or structure, or portion of a building or structure, that is not occupied entirely or primarily for the purpose of human habitation, as well as any adjacent lands and premises and all outbuildings, fences, and other erections on or within them, are collectively referred to as "non-residential property.
Non-residential: What isnot inhabited or utilized as a residence. nonresidential structures: those not only used or occupied by homes.
What kinds of services are there?Community Services.
Individual Services.
Insurance and banking.
Transportation. Warehousing. Communication.
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why do keynesians believe that budget deficits will increase aggregate demand? check all that apply.
If company taxes are decreased, rising budget deficits due to increased government expenditure will directly raise aggregate demand. Conversely, when the increased budget deficit is caused by reduced taxes, aggregate demand will grow due to an increase in corporate investment.
What is aggregate demand?In macroeconomics, total demand for final goods and services in an economy at a particular time is referred to as aggregate demand (AD) or domestic final demand (DFD). Even though this term isn't always used, it's frequently referred to as effective demand. The demand for a country's GDP is represented by this. It lays out the precise number of products and services that will be bought at each price point. The aggregate demand is comprised of investment, corporate and governmental spending, consumer spending, and net exports. Real output and price level are plotted on the horizontal and vertical axes, respectively, to represent the aggregate demand curve.
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when used by members throughout an organization, a(n) can offer an ethnographer a starting place for accessing the shared meaning of a corporate culture.
when used by members throughout an organization, A Metophor can offer an ethnographer a starting place for accessing the shared meaning of a corporate culture.
Moreover, A metaphor is a figure of speech that describes an object or action in a way that is not literally true but helps explain an idea or make a comparison. Here are the basics: A metaphor says that one thing is another.
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obtaining an understanding of an internal control involves evaluating the design of the control and determining whether the control has been:
Obtaining an understanding of an internal control involves evaluating the design of the control and determining whether the control has been implemented.
What is Internal Controls?
Internal controls are accounting and auditing procedures used in the finance division of a business to guarantee the accuracy of financial reporting and compliance with legal requirements. Internal controls can help increase operational efficiency by ensuring budgets are followed, policies are followed, capital shortages are discovered, and correct reports are provided for leadership in addition to guaranteeing compliance with laws and regulations and preventing fraud. A company's internal controls and corporate governance depend heavily on internal audits. Since the accounting scandals of the early 2000s, internal controls have elevated to a crucial business function for every American organization.
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A basket manufacturing company produces 83,575 woven baskets each year. determine the minimum sales price the company must sell each basket for to make a profit of $100,000, if the total annual fixed costs are $817,363.50 and the variable cost per basket is $12.17. $10.98 $21.95 $23.15 $31.76
The minimum sales price that the company must sell each basket for to make a profit of $100,000 is $23.15, using proportions.
The least amount of money that is received which equals, after taxes are paid, the present worth of the asset sold, is the minimum sales price of a property.
Using basic mathematical operations like multiplication and division, equations are created with these fractions to obtain the necessary measurements in the problem. A proportion is a fraction of the total amount.
The total costs for the production are given as follows:
$817,363.50 fixed.
$12.17 per basket.
Hence:
Total cost = 817363.5 + 83575 x 12.17 = 1,834,471.25.
For a profit of $100,000, the amount they have to make is:
1,834,471.25 + 100,000 = 1,934,471.25.
As profit is revenue subtracted by cost.
Hence the minimum sale price of the 83,575 woven is calculated as follows:
1,934,471.25/83575 = $23.15.
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Answer:23.15
Explanation:
if you are sure that you will be able to pay off the balance of your credit card bill in full each month, you should consider:
If you are sure that you will be able to pay off the balance of your credit card bill in full each month, you should consider Only credit cards that offer zero annual fees even if the APR is high.
Financial institutions frequently provide credit cards to their customers so they can withdraw money from their accounts. Consumer and commercial credit cards are the two types of credit cards available. The majority of cards are plastic, however some are made of metal or even have gemstones embedded in them. Another way a credit card varies from a debit card is that the owner of the debit card can use it as money.
The term annual-percentage rate (APR) describes the amount of interest that is produced annually by a sum that is charged to borrowers or paid to investors. APR is a percentage that shows the actual yearly cost of borrowing money throughout the course of a loan or the income received from an investment. This includes any fees or other expenditures related to the transaction, but does not account for compounding.
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