An asking price that is significantly higher than the home's market value is determined by an overinflated loan appraisal.
A mortgage fraud that can cause a buyer to pay a lot more for a home than they should is an appraisal that is too high.
What improves an evaluation?
How to Increase Your Home's Appraisal Value for a Refinance A refinance application can be made or broken by appraisal values. A more favorable evaluation may result from a thorough cleaning, new flooring, updated fixtures, and fresh paint.
What is a different term for an evaluation?
Assess, estimate, evaluate, rate, and value are all common synonyms for appraise. Although all of these terms mean "to judge something with respect to its worth or significance," the term "appraise" can be used for any critical judgment, although it typically refers to the determination of a thing's monetary worth by an expert.
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a(n) is protected by law and gives the creator of a published work the exclusive rights to reproduce and sell the work for the life of the creator plus 70 years.
A copyright is protected by law and gives the creator of a published work the exclusive rights to reproduce and sell the work for the life of the creator plus 70 years.
What is copyright?Copyright is a type of intellectual property that gives its owner the exclusive right, usually for a limited time, to copy, distribute, adapt, display, and perform a creative work. Copyright is intended to protected the creative expression of an idea, not the idea itself, and may be subject to restrictions based on public interest considerations, such as public interest. Fair Use Principles in the United States. Some jurisdictions require copyrighted works to be "modified" in a specific way. It is often shared by multiple creators, each holding a set of rights to use or license the work, commonly referred to as rights holders. These rights often include moral rights such as reproduction, control of derivative works, distribution, public performance, and attribution.To learn more about copyright from the given link :
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1) a formal statement that defines how an organization expects and requires employees to resolve ethical questions is a(n) . a) securities and exchange commission (sec) b) occupational safety and health administration (osha) c) false claims act d)product liability e) code of conduct
A formal statement that defines how an organization expects and requires employees to resolve ethical questions Code of conduct.
Which of the following laws mandates that employers maintain a workplace that poses no risk to the health and safety of their workers?To avoid worker fatalities or other workplace harms, the Occupational Safety and Health Act of 1970 (OSH Act) was created. Employers must ensure that the working environment is free of known risks for their employees in order to comply with the law.
Is it ethical for an employee to tell company officials, government officials, or the media about their employer's illegal, immoral, or unethical practices?An individual who discloses information about activity inside a private or public organization that is thought to be illegal, immoral, illicit, unsafe, or fraudulent is known as a whistleblower (also written as whistle-blower or whistle blower). This individual is frequently an employee.
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what is an example of the information you can extract from a revit model? soil conditions for the foundations building humidity levels steel structure lifecycle cost quantities of different building/model elements
The example of the information you can extract from a revit model is: cost quantities of different building/model elements. Last option.
What is the revit model?It is an intelligent 3D model-based method that equips professionals in architecture, engineering, and construction (AEC) with the knowledge and instruments they need to effectively plan, design, build, and manage infrastructure and buildings.
The entire process of developing a three-dimensional database in the form of a model of data relating to a building's design is known as BIM. One of the various BIM-related software programs that facilitate effective space design is Revit.
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mitch is in the 24% tax bracket. he may receive a different tax benefit for a $2,000 expenditure that is classified as a deduction from adjusted gross income (agi) than he will receive for a $2,000 expenditure that is classified as a deduction for agi.
The value of the tax benefit to Mitch for the deduction from AGI may be less than that for the deduction for AGI.
Adjusted Gross earnings, or AGI, starts off evolved with your gross profits and is then reduced by using positive above-the-road deductions. a few non-unusual examples of deductions that reduce adjusted gross profits include 401 contributions, fitness savings account contributions, and educator prices.
Deduction for AGI are the fees that are allowed to be deducted via IRS; it's far generally working fees, at the same time as deductions from AGI are the fees incurred by way of the taxpayer and itemizes these costs inside the tax go back.
First, calculate general income from all taxable resources, which includes self-employment or income. Then, calculate adjustments for income, together with contributions to an IRA or the deduction for self-employment taxes. Subtract these from general profits and declare the standard deduction.
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whenever there is a shortage at a particular price, the quantity sold at that price will equal: group of answer choices the quantity demanded at that price. the quantity supplied minus the quantity demanded. the quantity supplied at that price. (quantity demanded plus quantity supplied)/2.
Whenever there is a shortage at a particular price, the quantity sold at that price will equal the quantity supplied at that price.
What will the quantity sold at a given price be when there is a shortage at that price?The amount offered at that price.
What transpires to the price when a shortage happens?Price must increase in the event of a scarcity in order to draw in more supply and lower demand until the shortage is resolved.
How does a shortage affect the quantity demanded?When there is too much demand—that is, when there is a gap between supply and demand—a market shortage results. This will prevent customers from purchasing as much of a good as they would like.
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in the following scenarios, indicate those that describe a poisson random variable. multiple select question. the number of customers in a sample of 20 who use a credit card to make a purchase at a local pharmacy. the number of customers who purchase concessions over the next hour at a movie theater. the number of mortgage applicants who receive a loan in a sample of 10 applicants. the number of leaks in a specified stretch of a pipeline.
A Poisson random variable is described as the number of leaks in a specified stretch of a pipeline and the number of customers who purchase concessions over the next hour at a movie theater.
A random variable is a changeable whose value is mysterious or a function that assigns principles for each of an experiment's effects. the Poisson distribution is an individual probability distribution that signifies the feasibility of a likely number of occurrences happening in an established interval momentary or room if these occurrences accompany a popular nonstop mean rate and are independent of the moment of truth because of the last occurrence.
Poisson random variables are frequently used to model sketches used to generate cost functions in growth questions. For example, the financial portion arranging problem aims to develop the result of the number of merchandise on the number of machines likely a certain demand.
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Which theory of economics believes prices are subjected to how much currency is available in the economy and how fast that supply is expanding?.
Monetarism is the theory of economics that believes prices are subjected to how much currency is available in the economy and how fast that supply is expanding.
What is the theory of Monetarism?It is the macroeconomic theory that states that governments can foster economic stability by targeting the growth rate of the money supply. Essentially, the theory involves some a set of views based on the belief that the total amount of money in an economy is the primary determinant of economic growth.
As a branch of Keynesian economics, its emphasizes the use of monetary policy over fiscal policy to manage aggregate demand, contrary to most Keynesians.
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According to the concept of bounded rationality, managers make decisions ________.
According to the concept of bounded rationality, managers make decisions rationally, but are limited by their ability to process information.
Bounded rationality. is the concept that once people make decisions, their rationality is restricted through the records they have, the cognitive barriers in their minds, and the time to be had to make the selection.
In selection making, rationality of people is restricted through the records they have, the cognitive barriers in their mind, and the finite quantity of time they need to make a selection. Bounded rationality prevails whilst a hard and fast of barriers or constraints complicate the rational selection making process.
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cora purchased a hotel building on may 17, 2017, for $3,000,000. determine the cost recovery deduction for 2018. (the second year)
The cost recovery deduction for 2018 is $76920
Depreciation represents a reduction in the cost of an asset on a periodic basis and is reported on an income statement though it is a non-cash expense. The expense is a tax-deductible expense and companies can claim bonus depreciation as an additional depreciation expense if they need it. For the purpose of income tax, a company is required to use the MACRS depreciation method.
A hotel building is considered a nonresidential property with a period of 39 years and the depreciation rate that should be used is 2.564%
Cost recovery deduction = Cost of the asset * Depreciation rate
Cost recovery deduction = $3,000,000 * 2.564%
Cost recovery deduction = $76,920
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In the context of managing inventories in supply chains, _____ is the time between placement of an order and its receipt.
Managing supply chain stockpiles, The lead time is the period of time between placing and receiving an order.
Explain about the Lead time?Lead time is the "latency" (period of time) between the beginning and end of a specific task. It is a crucial measurement for all product-based firms and is most frequently used in supply chain circles.
A critical indicator for any organisation is lead time. It helps the business forecast revenues, streamline operations, and raise customer satisfaction. However, without a suitable inventory management system, an effective production procedure, and the appropriate suppliers, it would be difficult to reduce lead times.
The period of time between the start and completion of a process is known as the lead time. Lead time in procurement refers to the period between the first attempt to acquire goods or services and the time of their arrival.
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a manager believes his firm will earn a return of 20.80 percent next year. his firm has a beta of 1.75, the expected return on the market is 12.40 percent, and the risk-free rate is 2.40 percent. compute the return the firm should earn given its level of risk. note: round your answer to 2 decimal places. determine whether the manager is saying the firm is undervalued or overvalued.
a manager believes his firm will earn a return of 20.80 percent next year. his firm has a beta of 1.75, the expected return on the market is 12.40 percent, and the risk-free rate is 2.40 percent.
Required return:19.9 % the firm should earn given its level of risk and the firm is overvalued.
The anticipated profit or loss on an investment with known historical return rates is known as the expected return (RoR). It is determined by dividing possible results by the likelihood that they will occur, adding the results, and then subtracting the results.
The expected return is typically based on historical data, thus it cannot be guaranteed for the future, but it frequently sets realistic expectations. As a result, the expected return amount can be viewed as a long-term weighted average of past returns.
A risk's or risk combination's magnitude is expressed in terms of the combination of outcomes and the likelihood of those consequences.
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how should the acquisition of mpis be financed, considering the issues of control, flexibility, income, and risk?
Debt financing will be used to finance the purchase of MPIs while taking control, flexibility, income, and risk into account.
What exactly is debt financing?It is referred to as debt financing when a business takes out a loan that will be repaid with interest at a later time. A secured or unsecured loan could be used to finance it. To finance working capital or an acquisition, a company will take out a loan. Finance refers to the provision of funds for use in business operations, while debt refers to the amount of money that must be repaid. The fact that you retain ownership of the business when using debt financing is a crucial aspect.
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Within firm-ngo disputes, the resolution of the conflict can range between the firm doing nothing at one extreme and the firm doing everything that the ngo has asked at the other extreme. Where the resolution of a particular campaign occurs within this range of outcomes is influenced by?.
the resolution of a particular campaign occurs within this range of outcomes is influenced by how much influence the NGO has over the company and how reasonable the NGO's demands are.
A non-governmental organization or non-governmental organization is an organization that is generally formed independently of government.
NGOs can easily adapt to local environmental conditions and thus provide individualized assistance. It also enables very targeted testing of new technologies, for example. Programs can also be easily integrated when it comes to benefiting the community.
Nonprofit organizations, most commonly referred to as Section 501(c)(3) organizations, support a variety of religious, artistic, charitable, educational, and scientific purposes. Non-Governmental Organizations (NGOs), as their name suggests, exist independently of government oversight but may be government-funded.
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the document that serves as the basis for initiating the sales return and internal processing of the customer return by the seller is referred to as a
A document that the seller sends to the customer to request payment for goods or services is called an invoice.
In the sales and collection cycle, what triggers a transaction?
The beginning of the entire sales and collection cycle occurs when a customer places an order. The final step in the sales and collection cycle is to prepare a sales invoice. When goods are shipped between states, a special kind of sales invoice called a bill of lading is used.
A bill of lading is a legal document that specifies the kind, quantity, and destination of the goods being transported and is issued by a carrier to a shipper. This document, which must be signed by an authorized representative from the carrier, shipper, and receiver, must be included with the shipped goods.
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ozara is the plant manager for estate manufacturing. he is leading the efforts to double plant capacity with a new building. which of the five factors of production is ozara most impacting?
Land, labor, capital, entrepreneurship, and knowledge are the five factors of production is Ozara most impacting.
What is entrepreneurship?Entrepreneurship refers to the process of creation of economic value. Under this definition, entrepreneurship is generally seen as a change that involves more risk and knowledge than would normally occur when starting a business and may involve value other than financial value. An entrepreneur is a natural person who creates and invests in one or more businesses while taking the most risk and enjoying the greatest return.The process of initiating a business is known as entrepreneurship. Entrepreneurs are generally seen as innovators, sources of new ideas, goods, services and businesses. A narrower definition defines entrepreneurship as the process of designing, starting, and running a new business, often resembling a small business, or taking risks with others to generate profits. Ability and willingness to develop, organize and run a business together.To learn more about entrepreneurship from the given link:
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is it possible for the risk premium to be negative before an investment is undertaken? can the risk premium be negative after the fact? explain
Investments are subject to the financial concept known as risk premium.
The risk premium, which must be greater than the return on a risk-free asset, is the additional return that an investor anticipates when making an investment in a risky asset.
Before making an investment, there should always be a risk premium because this is the reward given to investors who take on more risk than those who invest in a risk-free project. As a result, the risk premium cannot be negative prior to making the investment.
However, it is highly unlikely that a risk premium will be negative in the future.It could happen if the risky asset's expected return suddenly drops to a very low level and the risk-free return suddenly rises, or if an irrational investment decision is made.
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what is a projective funding strategy used by pension funds? investment solely in a benchmark bond index constructing a portfolio that can benefit from expected market and interest rate movements investment solely in a benchmark stock index incorrect investment decisions made with the objective of generating cash flows that match planned outflow payments
Investment decisions made with the objective of generating cash flows that match planned outflow payments.
Moreover, A matched funding method that suggests investing in long-term bonds to fund long-term liabilities and in intermediate bonds to fund intermediate liabilities is more suited for defined-benefit plans.
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the reliability of this capital budgeting technique is diminished when applied to projects exhibiting unconventional cash flows.
A metric used in financial analysis to estimate the profitability of potential investments is the internal rate of return (IRR).
In a discounted cash flow analysis, the IRR is a discount rate that sets the net present value (NPV) of all cash flows at zero.
How can I determine my own internal rate of return?
The IRR Formula Broken Down: At time t, the after-tax cash flow for each period is discounted by a rate called r. The total of these discounted cash flows is then reduced by the initial investment, which equals the current NPV. You would need to "reverse engineer" what r is necessary for the NPV to be zero in order to determine the IRR.
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1. is scott eligible to establish and deduct contributions to a traditional ira? explain your answer.
Scott earned $15,000 in 2015 and Allison earned $60,000 in 2015 ,so the total income of both of them in 2015 , is $75,000. Scott is eligible to establish a traditional IRA as his spouse , is enrolled in school's retirement plan.
According to IRA specifications, if a married couple is filing jointly with a spouse covered under retirement plan with a income group of less than $184,000 then a full deduction upto the amount of your contribution limit is allowed to them.
A traditional IRA is a way to keep for retirement that offers you tax benefits. typically, amounts on your traditional IRA (along with income and profits) are not taxed until you take a distribution (withdrawal) from your IRA.
A conventional IRA may be a fantastic way to turbocharge your nest egg through staving off taxes while you're constructing your financial savings. You get a tax smash now whilst you installed deductible contributions. inside destiny, while you take cash out of the IRA, you pay taxes at your regular profits fee.
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which of the following is true regarding temporary accounts? a.) after determining which assets can be claimed by the owner, these accounts track resources that are owned by others. b.) after closing at the end of a period, these accounts are reopened at the beginning of the next period. c.) a rolling balance carries over from one accounting period to the next accounting period. d.) these accounts record the accumulated profits throughout the life of a business.
d.)After closing at the end of a period, these accounts are reopened at the beginning of thenext period. Temporary account balances will be carried to the next accounting period.
A transitory account is one that closes at the end of each accounting period and has no balance when a new period begins. To prevent their balances from being combined with those of the subsequent accounting period, the accounts are closed. The goal is to display the revenue that was earned as well as the accounting activities for various time periods. Short-Term Account For instance, Company X reported $300,000 in revenue just in 2016. Then, in 2017, $200,000 more in earnings were recorded, and in 2018, $400,000 more. The entire revenue would be $900,000 if the temporary account had not been cancelled. Due to the combination of three years' worth of revenues, the corporation may appear to be a very prosperous enterprise, but that isn't really the case.
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The happy home company produces detergents, toothpaste, liquid soap, and kitchen roll. This company has a product ________ of four lines.
The happy home company produces detergents, toothpaste, liquid soap, and kitchen roll. This company has a product width of four lines.
A company is a legal entity made by a group of things to undertake and operate a business—commercial or industrial—enterprise. An association concedes the possibility be systematized in differing habits for tax and monetary responsibility purposes contingent upon the allied law of allure area of authority. Company values are the superior law of an arrangement that indicates the arranging's brand and breeding.
Product depth refers to the alternative in produce that a guest offers inside an individual product line. Product depth is main for parties, as they can use it to label currents in their merchandise and determine the brand they offer in agreements of number and variation.
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a credit rating agency is paid by: group of answer choices the purchasers of the bonds that the agency rates. the issuers of the bonds that the agency rates. the taxpayers, because the rating agencies are government agencies. the new york stock exchange or the over-the-counter market where the bonds are listed.
A credit rating agency is paid by the issuers of the bonds that the agency rates.
Bonds are issued by way of governments and businesses after they want to elevate cash. through buying a bond, you are giving the issuer a mortgage, and they comply with pay you again the face fee of the mortgage on a particular date, and to pay you periodic interest payments along the way, usually two times a yr.
In finance, a bond is a form of protection under which the issuer owes the holder a debt, and is obliged – relying on the phrases – to repay the major of the bond on the maturity date in addition to hobby over a specified amount of time.
I bonds earn hobby from the first day of the month you buy them. twice a yr, we add all the interest the bond earned within the preceding 6 months to the main (fundamental) fee of the bond.
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impossible corporation just paid a dividend of $1.93 per share. the dividends are expected to grow at 24 percent for the next eight years and then level off to a growth rate of 3.5 percent indefinitely. if the required return is 12 percent, what is the price of the stock today?
Because the dividend was just paid, you have to start with $0 as CF 0 because you did not get the $1.93
A dividend is a distribution of income by an agency to its shareholders.[1] while a business enterprise earns an income or surplus, it is able to pay a percentage of the earnings as a dividend to shareholders. Any amount not allotted is taken to be re-invested within the business (referred to as retained income). The recent 12 months' income in addition to the retained income of previous years is available for distribution; an organization is commonly prohibited from paying a dividend out of its capital.
Distribution to shareholders can be in coins (usually a deposit right into a financial institution account) or, if the business enterprise has a dividend reinvestment plan, the quantity can be paid via the issue of further shares or by using proportion repurchase. In some cases, the distribution can be of property.
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suppose that a presidential candidate who promised large personal income tax cuts is elected. which of the following is most likely to occur?
a decrease in aggregate demand
an increase in aggregate demand
an increase in short-run aggregate supply
a decrease in short-run aggregate supply
An increase in aggregate demand will take place supposedly holding onto the option that the Presidential candidate who promised large personal income tax cuts is elected. Hence, option B is appropriate.
What is the aggregate demand?
The term "aggregate demand" in macroeconomics refers to the overall demand for locally produced commodities, comprising capital goods, consumer products, and services.
The total quantity of demand for any finished products and services generated in an economy is measured as aggregate demand. The entire amount of money spent on those products and services at a particular price level and time is known as aggregate demand
Hence, option B is correct.
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when the activity level increases by 15%, net operating income in the flexible budget will ordinarily increase by blank 15%.
When the activity level increases by 15%, net operating income in the flexible budget will ordinarily increase by -more than 15% because fixed costs do not increase with changes in activity.
What is Net operating income?
Net income in business and accounting is an entity's revenue with fewer costs, depreciation and amortization, interest, and taxes for a certain accounting period..Net Operating Income, or NOI for short, exists as a formula those in real estate use to quickly calculate the profitability of a particular investment. After deducting essential operational costs, NOI calculates the revenue and profitability of investment real estate property.By deducting all annual expenses from income, the NOI formula determines how profitable a potential investment property is over the course of a single year.After all, costs have been deducted, operating profit displays a company's earnings, excluding the cost of debt, taxes, and some one-time expenses.Net income, on the other hand, represents the profit remaining after all costs incurred in the period have been subtracted from revenue generated from sales.Therefore, when the activity level increases by 15%, net operating income in the flexible budget will ordinarily increase by -more than 15% because fixed costs do not increase with changes in activity.
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when laser focus inc., a pharmaceutical company, has its salespeople market new products to doctors in the hope that the doctors will recommend laser focus inc. products to clients, it is using a multiple choice push strategy. positioning strategy. pull strategy. price-fixing approach. publicity campaign.
Laser Focus Inc., is using Pull Strategy (C) by having its salesperson to market new products to doctors in hope that the doctors will recommend their products to clients.
Let's discuss the options we have:
Push strategy is a marketing strategy where a company promotes its products so that the consumers could seen the products at the point of purchase. Exposure is the key of this strategy. Push strategy focuses in acquiring an immediate sale.
Positioning Strategy is a marketing strategy where a company promotes its products relative to the competing brands. Positioning strategy focuses to help the company on distinguishing their products from competitors.
Pull strategy is a marketing strategy where a company promotes the products by encouraging the customers to seek the products actively. Pull marketing allows company to promote their products even before it becomes available for purchase.
Price-fixing approach is an agreement among competitors to either raise, lower, maintain or stabilize price on a specific price level.
Publicity campaign is an advertising campaign made for a particular product targeted to public without any specific segmentting.
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a milling machine with enhanced cnc controls that allow for high-speed machining of free-form parts was purchased 2 years ago for $195,000. the company wants to purchase a recently available faster model with control up to 8 axes for $240,000. the presently owned machine can be sold today for $105,000. its operating cost over the past 2 years has been $30,000 per year. the value that should be used as p for the presently owned machine is: (choose one)
The value that should be used as principal for presently owned machine is $105,000.
What is principal?Principal is most often used to refer to the initial amount of money that was borrowed for a loan or invested. Additionally, it can refer to the owner of a private corporation, the face value of a bond, or the principal trader. Principal in the context of borrowing refers to the initial sum of a loan; it can also refer to the balance still owed on a loan. The principal is $50,000, for instance, if you take out a $50,000 mortgage. The principal of a loan affects the amount of interest you pay. The only method to lower the monthly interest payments is to pay down the loan's principal.
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22. what does scripture clarify as a requirement of true repentance, reconciliation, and restitution? conflict management
Scripture clarify radical and complete 'change of direction" and "change of mind." This means facing conflict directly and owning fault completely.
The Bible is a collection of spiritual texts or scriptures that are held to be sacred in Christianity, Judaism, Samaritanism, and plenty of other religions. The Bible is an anthology – a compilation of texts of a ramification of bureaucracy – initially written in Hebrew, Aramaic, and Koine Greek.
We will say that the Scripture is God's phrase contained in the Bible. The Scriptures are taken into consideration to be a made of divine concept and a report of the relationship between God and human beings by using not most effective Christians however additionally Jews, Samaritans, and Rastafarians
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which of the following should be included in the capital budgeting process? check all that apply. computing the present value of the expected cash flows. computing the accounting rate of return. evaluating the riskiness of the projected cash flows. considering expansion projects over replacement projects.
The following should be included in the capital budgeting process Include all relevant cash flows and evaluate the riskiness of the projected cash flows.
Capital budgeting is a means of judging the financial being of a capital expense over the life of the grant. Unlike additional types of finance reasoning, capital calculating focuses on cash flows alternatively profits. Capital budgeting is the main cause it designs accountability and measurability. Any trade that inquires to spend allure money on a project outside understanding the risks and returns is complicated and hopefully grasped as careless by its landowner or shareholders.
Cash flow refers to the computer network balance of cash exciting into and in another direction a trade at a particular stage. Cash is uniformly affecting and consuming a business. For example, when a dealer purchases stock, services flow exhausted implausible story toward allure suppliers.
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you are considering quitting your job where you earn $3,100 per month and opening a new business. the cost of renting an office is $2,200 per month, hiring employees would cost $3,400 per month, and utilities would cost $500 per month. the new business will earn a total revenue of $6,000 per month. what is your economic profit per month?
The economic profit=-$3,000, there is incentive to exit market. The economic profit can be defined as the difference between the revenue from sales and the total cost including opportunity cost. This can be expressed as;
P=R-(C+O)
where;
P=economic profit
R=total revenue
C=total input costs
O=opportunity cost
In our case;
R=$6,500
C=(2,100+3,100+100)=$5,300
O=$3,200
replacing;
P=6,500-(5,300+3,200)
P=6,500-8,500=-3,000
The economic profit=-$3,000, there is an incentive to exit the market.
Economics makes a speciality of the behaviour and interactions of economic retailers and how economies paint. Microeconomics analyzes what are considered as basic factors within the economy, inclusive of character dealers and markets, their interactions, and the results of interactions. Person agents may additionally consist of, for instance, families, companies, shoppers, and sellers. Macroeconomics analyzes the economic system as a system wherein production, consumption, saving, and funding have interaction, and factors affecting it: employment of the resources of labour, capital, and land, currency inflation, monetary boom, and public guidelines which have impact on these elements.
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