The creditors rather work out a payment plan with you than just send your debt to collections It's better than paying collections from your own account because it won't hurt your credit score as much and will likely give you better repayment terms than any collection agency or collection agency offers.
What is credit?Credit is a trust that allows one party to provide money or resources to another party, where the second party does not repay the first party immediately, but promises to either repay or return the funds later.
A credit bureau keeps a monthly record of your past years bills and monthly loan repayments (EMI). Typically, a credit bureau calculates your credit score by collecting data from past years of payment history. Credit creation is the process by which commercial banks can create credit in the form of new deposits.
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falken company awards 1,000 shares of common stock to robert small. the shares are restricted and require that robert remains with the company for at least 2 more years. the current market price of the shares is $15 per share. total compensation associated with this restricted stock award is
The correct answer or the total compensation associated with this restricted stock award is $15k.
A stock award plan allocates the compensation associated with restricted stock units (RSUs) to expenses throughout the service period, which is often the vesting period.
Employee stock grants from employers can be made through restricted stock units. The grant qualifies as "restricted" because it is subject to a vesting schedule, which may be determined by performance goals or length of service, and because it is constrained by additional transfer or sale restrictions that your company may apply.
When shares are delivered under RSUs, which nearly invariably occurs at vesting, you are taxed. The market value of the shares at vesting is included in your taxable income. Your compensation income is subject to federal, state, and local taxes as well as employment taxes (Social Security and Medicare).
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A shortage exists in a market if
A. there is an excess supply of the good.
B. the situation is such that the law of supply and demand would predict a decrease in the price of the good from its current level.
C. the current price is below its equilibrium price.
D. quantity supplied exceeds quantity demanded.
A shortage exists in a market if the current price is below its equilibrium price.
Shortage leads to the price of good increasing.
Shortage refers to the situation when the quantity demanded of the good is more than the quantity supplied. It is the situation of the disequilibrium.
Equilibrium is situation when market demand is equals to the market supply.
It means that the customer won't be able to buy as much of a good they like to buy as this cause the excess demand in the market.
In response to the excess demand , producers increase the price of the product as well as the quantity supplied. But for some consumers this price is too much so they will no longer demand for the same product. Therefor excess demand will no more and market will come in the equilibrium level.
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when an economics professor quits his/her job at a university and starts looking for a better job in another university, he/she is
If a person quits his job and decides to stay home for a while without looking for a job, the activity rate is sink. unmotivated workers: not considered part of the workforce.
A worker's entry into or exit from employment, whether voluntary or not, constitutes natural unemployment. Unemployment that is not considered natural is often referred to as cyclical, institutional, or political unemployment. Structural unemployment refers to the mismatch between available jobs and the skill level of the unemployed. Unlike cyclical unemployment, it is caused by factors other than business cycles. It occurs when underlying changes in the economy make it difficult for some people to find work.
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ssume fiona is willing to pay $8 for a pizza cutter. tim also wants one, but is only willing to pay $6 for one. at a pizza baker's convention, fiona buys the last pizza cutter at the market price just before tim can buy it. tim contacts the convention organizers and complains about missing out on the last pizza cutter. the organizers refund fiona for the pizza cutter and allow tim to buy it at the market price. what happens as a result of the organizers refunding fiona, taking the pizza cutter from her, and letting tim buy it at the market price?
The happens as a result of the organizers refunding Fiona, taking the pizza cutter from her, and letting Tim buy it at the market price Consumer surplus decreases.
What happens when the event planners give Fiona a refund, take her pizza cutter, and allow Tim to purchase it at the going rate?Reduced consumer surplus.
The nature of the producer surplus When is the price $30?The region enclosed by the supply curve, the vertical axis, and the market price is known as the producer surplus. b) If the market price is 30, then Q = (P - 10) / 2 = (30 - 10)/2 = 10 represents the quantity supplied. Producer surplus equals ($100) = ($30 - 10)*10/2.
What is the term used to describe the financial discrepancy between what a consumer is willing and able to pay for an additional unit of a good and what they actually pay?Consumer surplus is the gap between what customers are prepared to pay and what they actually pay for a good. The marginal benefit of each unit of consumption for a consumer is also represented by each price along a demand curve.
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lou construction is looking at a new system with an installed cost of $411,500. this cost will be depreciated straight-line to zero over the project's seven-year life, at the end of which the system is expected to be sold for $35,000 cash. no bonus depreciation will be taken. the system will save the firm $129,400 per year in pretax operating costs, and the system requires an initial investment in net working capital of $22,500. all of the net working capital will be recovered at the end of the project. the tax rate is 23 percent and the discount rate is 13.2 percent. what is the net present value of this project?
Based on the scenario, the net present value of this project is $510,087.480.
The present value explain that perform price is similar to the future price divided by the sum of 1 plus interest rate per period raised to the number of time periods.
Operating cash flow = EBIT - Taxes + Depreciation
Operating Cash Flow = $129,400 (1 - 0.23) + ($411,500 /7)(0.23)
Operating Cash Flow = $129,400 (0.77) + ($58,785.71)(0.23)
Operating Cash Flow = $99,638 + 13,520.71
Operating Cash Flow = $113,158.71
Therefore, we determine The Net present value (NPV)
Net Present Value = -$411,500 - $22,500 + ($113,158.71 ×{1 - [1 / (1 + 0.132)^7]} / 13.2) + {$22,500 + [$35,000 × (1 - 0.23)]} / (1 + 0.132)^7
Net Present Value = $389,000 + ($113,158.71 x (1 - (1/2.38)/13.2) + $26,950 / 2.38
Net Present Value = $389,000 + $109,763.95 + $11,323.53
Net Present Value = $510,087.48
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multiple choice question which type of company is best-suited for contracting out manufacturing in an effort to reduce economic exposure as the result of exchange rate movements? multiple choice question. a high-tech software company
A textile firm company is best-suited for contracting out manufacturing in an effort to reduce economic exposure as the result of exchange rate movements.
Economics is the look at scarcity and its implications for the usage of assets, manufacturing of goods and offerings, growth of manufacturing and welfare over the years, and a fantastic sort of different complex problems of a crucial challenge to society.
Economics is the field of social technology that offers with taking a look at the scarcity of resources. It analyzes factors affecting the manufacturing, distribution, and intake of goods and services in an economy. It examines the allocation of scarce assets by using people, groups, and governments.
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Mr. D is the manager of a local walgreens. His biggest concern is to make sure that his store is always making the most profit possible. He cuts costs by focusing on certain logistical decisions. Every other day walgreens receives shipments from pepsi, evian, hershey, and numerous other manufacturers. Walgreens insists on small shipments every two days, which helps to keep their inventory costs low. What system is mr. D using at walgreens to reduce his costs?.
Mr.D is using just-in-time inventory at Walgreens to reduce his costs.
Simply-in-time, or JIT, is an inventory management approach wherein goods are obtained from providers most effectively as they're needed. The primary objective of this technique is to lessen inventory retaining charges and boom inventory turnover.
A just-in-time (JIT) inventory system is a control strategy that has an agency receive items as near as possible when they're certainly needed. So, if a car meeting plant needs to install airbags, it does not keep a stock of airbags on its cabinets but receives them as the one's motors come onto the meeting line.
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Consider the foreign key constraint from the dept name attribute of instructor to the department relation. Give examples of inserts and deletes to these relations, which can cause a violation of the foreign key constraint.
Here, attribute dept name is primary key in the department table and foreign key in the instructor table.
Insertion constraint on the foreign key is that any value A which is not in the department table and we try to insert it in the instructor table, then it is a violation of the foreign key constraint.
Example:
INSERT INTO instructor VALUES(100000,'John', 'English' , 40000);
It will gives error as it is the insertion violation of foreign key ,since there is no dept name as English in the department table.
Deletion constraint is when we try to delete from the department table and same value is present in the instructor table.
DELETE FROM department WHERE dept name = 'Biology' ;
It will give error since dept name biology exists in the instructor table , so it cant be delete from the department table
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what is the recent trend of green business? multiple choice question. markets are growing both in number and monetary worth. green business has disappeared. all businesses are currently green. markets are shrinking both in number and monetary worth.
A green company manufactures its goods with environmentally friendly ingredients. Green firms try to use as little energy, water, and raw materials as they can while reducing carbon emissions, or they find ways to use these resources in environmentally beneficial and sustainable ways.
What does the term "green company" mean?A green business makes the assertion that its actions reduce harm to the environment. Numerous businesses are taking steps to become more environmentally conscious or "green" as global warming picks up speed and is discussed by world governments more frequently. Making every effort to lessen your influence on the environment is a requirement for being a green business. This can be accomplished by taking simple steps like attempting to use recycled materials, cutting back on the resources your business uses, or experimenting with eco-friendly packaging.
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true or false: although taxes generate revenue for government spending, they can also distort the decisions of consumers and producers.
Taxes are a source of funding for government spending, and it is true that they can influence consumer and producer choices.
Explain about the Taxes?A tax is a mandatory fee or financial charge that a government imposes on a person or a business in order to raise money for public projects like building the greatest infrastructure and services. Different public expenditure programmes are then funded with the funds that have been raised.
Federal, state, and municipal governments use tax income to pay for critical services like defence, roads, police, and the judicial system that all residents rely on but are unable to successfully supply for themselves.
Income tax is a requirement for everyone. The definition of "person" in section 2(3) of the Income Tax Act includes both natural and artificial persons.
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In medieval europe, small goods such as farming tools, furniture, and shoes were made through the labor of?.
Smaller items like farming implements, furniture, and shoes were manufactured by individual artisans in medieval Europe.
Who was each of the artisans?The majority of items were handcrafted in the Middle Ages. Similar to what we have today, there were no machines or industries. Artisans manufactured all the clothing, tools, weapons, jewelry, artwork, furniture and other products that people required and desired. Masters were accomplished craftspeople who had their businesses.
They were skilled men who worked in independent workshops without the use of powered technology. They belonged to guilds and craft things with their hands and tools.
We also need to be aware that, unlike in America during the Colonial Era and its aftermath, slaves were not exploited as forced laborers in medieval Europe.
As a result, minor items like farming implements, furniture, and shoes were created by individual craftspeople.
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Which repayment option does not accrue interest while your required payments are paused?.
While enrolled at least half-time in school or during deferment periods, interest on subsidized loans does not accrue. Undergraduate and graduate students can apply for unsubsidized loans, which are not based on financial need.
Is interest still charged when a loan is paused?Your loan payments will stop, and until December 31, 2022, your interest rate will remain at 0%. Take the case where your grace period expired on April 15, 2022. Your payments would be stopped in this situation from April 15, 2022, until December.
When a loan is deferred, does interest continue to accrue?In certain situations, deferments let you put off repaying your loans. This is a crucial choice, especially because subsidized federal loans do not accrue interest during deferment periods. Unsubsidized loans do incur interest.
Which is preferable, direct subsidies or unsubsidies?Subsidized loans clearly outperform unsubsidized loans when comparing them. A subsidized loan can save you money throughout the course of the loan if you are eligible for one because the interest rates are lower. However, not everybody will be eligible for a subsidised loan.
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what is the name of the document that does not notify the contractor to start construction? group of answer choices notice to proceed startup letter initiation notice letter of intent
The document that does not inform the contractor to begin construction is known as a startup letter.
Describe a startup.
Startup business owners typically have a concept for a product or service that is beneficial to the world. The foundation of the business is, in fact, the satisfaction of a need, want, or issue that millions of people around the world share in exchange for monetary compensation in the form of profit.
Startup companies, as compared to large, cumbersome corporations, are relatively lean in their operations and may immediately focus on rapid expansion. Because there is no "red tape" to cut through in order to move a project or an idea forward, startup owners can quickly assemble a team and start solving problems for their clients.
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there are many large ports on the east coast of the united states that allow for trade between europe and the united states. what aspect of these ports' natural capital allows for this trade?
Natural capital are natural assets in their function of providing natural aid inputs and environmental offerings for monetary production. Context:
Natural capital is normally regarded to include three important categories: natural aid stocks, land and ecosystems
What are the components of natural capital?Natural Capital can be described as the world's shares of natural assets which consist of geology, soil, air, water and all residing things. It is from this Natural Capital that humans derive a broad range of services, often referred to as ecosystem services, which make human life possible.
Why is herbal capital essential for business?Businesses would possibly use this natural capital data to assist them to examine vast risks and opportunities at either a product, venture or organizational level. Conducting these assessments allows companies to determine which areas of their business are in need of higher management or extended investment.
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https://brainly.com/question/13254080#SPJ4increases in farm productivity lowered the prices of many agricultural products. farm revenues decreased, which implies that the:
Increases in farm productivity lowered the prices of many agricultural products. farm revenues decreased, implies that the demand for many agricultural products is inelastic.
Inelastic: A good or service's static quantity when its price changes is referred to as "inelastic" in economics. Consumer purchasing patterns are said to be inelastic if they remain relatively constant when prices increase and change little when prices decrease.
When there are no suitable alternatives, elastic products are typically necessary. Utilities, prescription drugs, and tobacco products are the most frequently purchased items with inelastic demand. Because demand is constant regardless of price changes, companies that sell these products can be more flexible with pricing.A small change in quantity demanded as a result of a price change is referred to as an inelastic demand.
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2.
A layoff is a type of termination due to a change in business condition
O True
O False
Answer:
True
Explanation:
layoff definition: A layoff or downsizing is the temporary suspension or permanent termination of employment of an employee or, more commonly, a group of employees for business reasons, such as personnel management or downsizing an organization.
the industry life cycle is described by which of the following stage(s)? a. start-up. b. consolidation. c. absolute decline. d. a and b. e. a, b and c.
Startup, growth, shakeout, maturity, and decline are the typical five stages of an industry life cycle.
How can the industry life cycle be discovered?
The life cycle of an industry consists of four phases: peak, contraction, trough, and expansion. A company's cycle location is used by an analyst to project future financial performance and estimate forward valuations (such as forward price-earnings ratios).
Which phases comprise the industry's life cycle?
The stages of introduction, growth, maturity, and decline comprise the four phases of an industry's life cycle. When new products are created, industries are born, and there is a lot of uncertainty about the size of the market, product specifications, and main competitors.
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How did the creation of the federal deposit insurance corporation change the nature of banking.
The federal government started securing bank deposits. Investment transfers by depositors were permitted without fees. On savings accounts, minimum interest rates were guaranteed to depositors.
The Federal Deposit Insurance Corporation was founded for what purpose?The FDIC was established in 1933 with the goal of preserving public confidence in the financial system and fostering stability through the promotion of ethical banking practices.
The Federal Deposit Insurance Corporation: How effective was it?On January 1, 1934, federal deposit insurance went into force, offering depositors $2,500 in coverage. By any standard, it was an immediate success in reestablishing public confidence and stability in the banking system. In 1934, only nine banks collapsed, compared to over 9,000 in the four years before.
The Federal Deposit Insurance Corporation's assistance in what ways?Deposits are insured by the FDIC, which also oversees receiverships, makes huge and complicated financial institutions resolvable, and inspects and supervises financial institutions for safety, soundness, and consumer protection.
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a deficit occurs when an economy moves into recession and tax revenues automatically decline.
The statement is True, as a deficit occurs when an economy moves into recession and tax revenues automatically decline.
The federal budget deficit for a given year is calculated as the difference between the federal government's outlays (also known as outlays) and its tax receipts (also known as revenue). An annual surplus rather than a deficit occurs when the government raises more money than it spends.
People's salaries decrease in a bad economy, which results in the government collecting less tax revenue and spending more on social safety net services like food assistance or unemployment insurance. One reason why deficits often increase (or surpluses decrease) during recessions is due to this. Conversely, deficits tend to decrease during times of great economic growth (or surpluses grow)
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the bert corporation and ernie, incorporated, have both announced ipos. you place an order for 800 shares of each ipo. one of the ipos is underpriced by $16.25 and the other is overpriced by $7.00. you will receive all of the shares you ordered of the overpriced ipo, but only one-half of the shares you ordered of the underpriced ipo. what profit do you expect?
The answer is $900 profit.
Here Bert will be able to get $900 profits by comparing her both portfolios.
For the overpriced IPO,800 shares would be received and since the share was overpriced by $7.00, an instant loss of $5,600 ($7.00*1800) is recorded.
For the under-priced IPO,400 shares (800 shares divided by 2) would be received and the immediate gain recorded is $6,500 (400 *$16.25)
Overall the two portfolios, when taken together, give an immediate gain of $900(a gain of $6,500 less a loss of $5,600 )
This is the power of portfolio diversification, which manages potential investment losses by spreading one's investment.
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if policymakers decrease aggregate demand, then in the short run the price level a. rises and unemployment falls. b. and unemployment rise. c. falls and unemployment rises. d. and unemployment fall.
If policymakers decrease aggregate demand, then in the short run the price level falls and unemployment rises.
What is Aggregate Demand?
The total quantity of demand for all finished products and services generated in an economy is measured as aggregate demand. The total amount of money spent on those goods and services at a particular price level and time is known as aggregate demand.
Since the two indicators are calculated in the same way, aggregate demand is equal to GDP over the long run. Aggregate demand is the desire or demand for those products, whereas GDP is the total amount of goods and services produced in an economy.
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when auditing inventories, an auditor would least likely verify that group of answer choices all inventory owned by the client is on hand at the time of the count. the client has used proper inventory pricing. the financial statement presentation of inventories is appropriate. damaged goods and obsolete items have been properly accounted for.
When auditing inventories, an auditor would least likely verify all inventory owned by the client is on hand at the time of the count.
The role of the auditor or reviewer is to provide a professional and independent on those economic statements. The evaluate or audit of an affiliation's financial file can make certain extra duty to the contributors and offer an warranty that all funds acquired with the aid of the enterprise have been effectively accounted for.
An audit is an "independent exam of financial data of any entity, whether profit oriented or not, irrespective of its size or prison shape when such an exam is conducted in an effort to specific an opinion thereon
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you purchase a 9 5/8s february $10,000 par treasury note at 105:14 and hold it for exactly one year at which time you sell it. what is your rate of return if your selling price is 102:11?
Your rate of return is -2.88% as a result of the fact that you purchased the Treasury Note at 105.14 and sold it for 102.11.
What is the return on investment?The change in an investment's value expressed as a percentage is known as the yearly rate of return. For instance, if you believe you will get a 10% annual rate of return, you believe your investment will grow in value by 10% annually.
How much does a Treasury note yield?Treasury bills don't pay investors any interest, in contrast to numerous other debt products that do. Instead, the banknotes are sold below the amount needed to redeem them. For instance, a $1,000 face value Treasury bill might sell for $985.
You can calculate the treasury note's rate of return as follows:
= (Selling price - Buying price) / Buying price x 100%
Solving gives:
= (102.11 - 105.14) / 105.14 x 100%
= -3.03/ 105.14 x 100%
= -2.88%
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which of the following statements correctly explains separately managed accounts and their relation to mutual funds? a) the key difference between mutual funds and separate accounts is that in a separate account, the money manager is purchasing the securities in the portfolio on behalf of the fund, not on behalf of the investor. b) separately managed accounts are individual investment accounts offered by financial consultants who provide advisory services and are managed by independent money managers using an asset-based fee structure. c) in a mutual fund, the investor owns the underlying securities directly, while in a separately managed account, the investor owns shares of the fund. d) they are similar to mutual funds, in that a money manager develops a model index specializing in a particular aspect of the market.
The statements that correctly explains a separately managed accounts and their relation to mutual funds is that the separately managed accounts are individual investment accounts offered by financial consultants who provide advisory services and are managed by independent money managers using an asset-based fee structure.
What do we mean by separately managed accounts?Basically, a mutual fund are owned by multiple investors who have each purchased a share in a pool of securities and the fund itself owns the securities but the separately managed account is owned by an individual investor who owns all of the investments inside the portfolio.
Hence, the statement that best explains a separately managed accounts and their relation to mutual funds is that the separately managed accounts are individual investment accounts offered by financial consultants who provide advisory services and are managed by independent money managers using an asset-based fee structure.
Therefore, the Option B is correct.
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if the average return on equity for the industry for january is 2.4%, is the company more or less profitable than other companies in the same industry?
A company's ROE is calculated by dividing its net income by its shareholders' equity. The return on equity (ROE) is a measure of a company's profitability and profitability efficiency.
A company's ability to turn equity financing into profits increases with ROE.
What role does return on equity play?
The return on equity is one of the most crucial fundamental ratios that investors consider. It's a fundamental test of how well investors' money is used by a company's management. ROE indicates whether management is increasing the value of the business at an acceptable rate.
What if the return on equity is higher than the average for the industry?
Investors can use ROE to see how well a company is doing in comparison to its competitors by comparing its ROE to the industry average. A company's ability to effectively generate income from shareholder equity is indicated by a higher ROE.
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given a normal selling price per unit of $850, what is the contribution margin per unit sold for recurring (i.e., normal) sales?
The contribution margin per unit sold for recurring sales is $396.
Contribution margin (CM), or greenback contribution consistent with unit, is the selling charge according to unit minus the variable cost in keeping with unit. "Contribution" represents the portion of sales that isn't always consumed with the aid of variable fees and so contributes to the coverage of constant costs. This concept is one of the key constructing blocks of destroy-even evaluation. Decomposing income as Contribution plus Variable prices. Inside the value-volume-profit evaluation version, prices are linear in quantity. In cost-quantity-profit analysis, a form of management accounting, contribution margin—the marginal income according to unit sale—is a beneficial quantity in wearing out numerous calculations, and may be used as a degree of running leverage. Usually, low contribution margins are popular in the labor-intensive carrier sector even as high contribution margins are customary within the capital-in-depth business quarter.
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a patent for a new drug gives its manufacturer an exclusive right to market the drug for a specific period of time under what type of name?
A patent for a new drug gives its manufacturer an exclusive right to market the drug for a specific period of time under name of a brand.
What is Patent?
A patent is a property right that a government has granted to an inventor. In exchange for a thorough disclosure of the idea, this grant gives the inventor temporary ownership over the patented method, design, or creation. They represent a kind of intangible right.
Applications for patents are normally handled and approved by government organizations. Applications are processed and approvals are given in the United States by the U.S. Patent and Trademark Office (USPTO), which is a division of the Department of Commerce.
While design patents are given either 14 or 15 years depending on when they are filed, utility and plant patents are granted for 20 years.
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the health insurance portability and accountability act requires healthcare providers to obtain which of the following from patients prior to disclosing any information in their medical records? a. written consent b. a social security number c. a second opinion d. payment for all services rendered
The health insurance portability and accountability act requires healthcare providers to obtain the following from patients prior to disclosing any information in their medical records: a. written consent.
What is health insurance?Health insurance can be defined as a medical insurance coverage that help to cover the medical cost or medical expenses of those that are under the plan or policy holders.
Patient medical record or confidential medical record should not be disclosed without the patient consent which implies that health care provider must received a written consent from the patient before they can disclosed the patient medical record.
Based on this health insurance portability and accountability act tend to requires that healthcare providers endeavor to obtain a written consent from patients before disclosing any information in the patient medical records.
Therefore the correct option is A.
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Does a monopolistically competitive firm tend to have a more elastic or less elastic demand than a monopoly? explain why.
A monopolistically competitive firm will have a more elastic demand than a monopoly because there will likely be more close substitutes.
What is monopoly, in a nutshell?A market setup where there is only one seller and one sort of items offered. As the only vendor of the goods with no viable alternatives, the seller in a monopoly market has no rivals.
What benefit does monopoly provide?Monopolies have the benefit of guaranteeing a steady supply of a good that is too expensive to sell in a competitive market. A few negatives of monopolies include price-fixing, inferior products, a lack of incentive for innovation, and cost-push inflation.
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suppose that consumer spending is expected to decrease in the near future. if output is at potential output, which of the following policies is most appropriate according to the as/ad model? multiple choice an increase in government spending an increase in taxes a reduction in government spending no change in taxes or government spending
An increase in government spending will offset the fall in consumer spending and keep the output level at the potential rather than dropping from that level due to reduced consumer spending.
Government. / (ˈɡʌvənmənt, ˈɡʌvəmənt)/ noun. To exercise political authority over a political entity, person, or other action, issue, etc., and to perform specific functions on behalf of that entity or body. act of governing. Political rules and administration. Government is the system of state or community government. The Colombian Encyclopedia defines government as "a system of social control in which the right to make laws and the right to enforce laws belong to specific groups in society."
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