- Shareholder's Equity would be found on a balance sheet.
- A Positive Surprise is called when a company's total earnings last quarter beat what Wall Street analysts were guessing by a large amount.
- PE Ratio (Price-to-Earnings Ratio) is the most useful metric in comparing the value of two company's stock.
- A breakout occurs when the price goes higher than the resistance level.
1. Shareholder's Equity: Shareholder's Equity is a key component of a balance sheet. It represents the ownership interest of shareholders in a company. It is calculated by subtracting total liabilities from total assets and reflects the company's net worth.
2. A Positive Surprise: When a company's total earnings for a specific quarter exceed the expectations of Wall Street analysts by a significant margin, it is referred to as a Positive Surprise. This indicates that the company has performed better than anticipated, which can result in increased investor confidence and potentially drive the stock price higher.
3. PE Ratio (Price-to-Earnings Ratio): The PE ratio is a valuation metric used to compare the value of two company's stocks. It is calculated by dividing the market price per share by the earnings per share. The PE ratio provides insights into how much investors are willing to pay for each dollar of earnings generated by a company. It can help determine if a stock is overvalued or undervalued relative to its earnings potential.
4. Breakout: A breakout occurs when the price of a security surpasses a significant level of resistance, often represented by a previous high price or a specific technical indicator. It suggests that the prevailing trend may continue or reverse, leading to potential trading opportunities. A breakout above resistance is typically seen as a bullish signal, while a breakout below support is considered bearish. Traders and investors may use breakouts as a signal to enter or exit positions in anticipation of further price movements.
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identification of key issues of building apple stores
The key issues involved in building Apple stores can be summarized as follows: site selection, store design and layout, technology integration, customer experience, and local regulations. Each of these factors plays a crucial role in the successful establishment and operation of Apple stores.
1. Site Selection: One key issue is identifying suitable locations for Apple stores. Factors such as foot traffic, accessibility, proximity to target customers, and availability of space need to be considered during the site selection process.
2. Store Design and Layout: Another critical issue is creating a visually appealing and functional store design. Apple stores are known for their minimalist and innovative design, which showcases the products and provides an immersive experience for customers. Designing the layout to maximize customer flow and optimize space utilization is also important.
3. Technology Integration: Apple stores heavily rely on technology, both in terms of the products they sell and the store operations. Ensuring seamless integration of technology systems, such as point-of-sale systems, interactive displays, and customer support tools, is crucial for a smooth and efficient operation.
4. Customer Experience: Providing exceptional customer experience is a key focus for Apple stores. This includes well-trained and knowledgeable staff, personalized assistance, product demonstrations, and a welcoming atmosphere that reflects the Apple brand values.
5. Local Regulations: Compliance with local regulations and obtaining necessary permits and approvals is another important issue. Local zoning laws, building codes, and regulations related to signage, parking, and environmental impact must be adhered to during the construction and operation of Apple stores.
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1. Describe the three management functions commonly executed
by
managers within their organization.
2. What are the benefits of ethical practices and corporate
governance?
1. The three management functions commonly executed by managers within their organization are planning, organizing, and leading.
2. Ethical practices and corporate governance offer several benefits to organizations. They help maintain public trust, ensure fair competition, and provide protection for customers and employees.
1. Management is the process of ensuring the efficient operation of the company's operations by coordinating resources and people. Managers have three primary functions:
Planning is the initial step in the management process, where managers set goals and define the necessary steps to achieve them. This involves identifying the company's goals and establishing strategic, tactical, and operational objectives across various areas. Planning allows managers to prepare for future activities and plays a crucial role in efficient management.Organizing is the second step in the management process, where managers prepare resources and personnel to achieve their objectives. It involves efficient allocation of resources and organizing the company's personnel. This includes establishing a structure of authority, delegating work, and establishing communication channels. Effective organizing ensures that employees work together towards common goals.Leading is the third step in the management process, where managers utilize their skills to guide and motivate personnel. They communicate with their team and motivate them to achieve objectives. Strong and decisive leadership fosters teamwork and collaboration among employees.2. Ethical practices and corporate governance offer several benefits to organizations. They help maintain public trust, ensure fair competition, and provide protection for customers and employees. Some of the benefits include reducing fraud and corruption, minimizing the risk of legal action, and safeguarding the company's reputation. Ethical practices and corporate governance also contribute to a more collaborative and engaged workplace culture. Companies that prioritize ethics and good governance are more likely to attract and retain customers, investors, and employees.
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The following merchandise transactions occurred in December. Both companies use a perpetual inventory system. Dec. Riverbed Ltd. sold goods to Concord Corp. for $59,600, terms n/15, FOB shipping point. The inventory had cost Riverbed $31,600. Riverbed's management expected a return rate of 3% based on prior experience. Shipping costs of $800 were paid by the appropriate company. 8 Concord returned unwanted merchandise to Riverbed. The returned merchandise has a sales price of $1,840, and a cost of $1,000. It was restored to inventory. Riverbed received the balance due from Concord.
Riverbed initially sold goods to Concord with a sales price of $59,600 and a cost of $31,600. Concord returned merchandise with a sales price of $1,840 and a cost of $1,000, which was added back to Riverbed's inventory. The return rate of 3% was based on prior experience. Lastly, Riverbed received the balance due from Concord, but the specific date was not provided.
Let's summarize the merchandise transactions that occurred in December between Riverbed Ltd. and Concord Corp.:
1. December:
- Riverbed Ltd. sold goods to Concord Corp. for $59,600.
- Terms of the sale were n/15, FOB shipping point.
- The inventory cost for Riverbed was $31,600.
- Riverbed's management expected a return rate of 3% based on prior experience.
- Shipping costs of $800 were paid by the appropriate company.
2. December 8:
- Concord Corp. returned unwanted merchandise to Riverbed.
- The returned merchandise had a sales price of $1,840 and a cost of $1,000.
- The returned merchandise was restored to Riverbed's inventory.
3. (No specific date provided):
- Riverbed received the balance due from Concord.
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Continuing with the organization discussed, choose one of the following for this week’s discussion:
The Organisation name: State Bank of India
a) environmental ethics (or lack of) – what do/should they do and why?
b) how the organization practices the triple bottom line; or
c) how you would implement sustainable practices in different departments of the organization.
Please put into the title which topic you chose.
Topic: Environmental Ethics in State Bank of India
Environmental ethics are a critical aspect of corporate responsibility, and it is essential for organizations like State Bank of India (SBI) to prioritize sustainable practices. SBI can take several steps to improve its environmental ethics and contribute to a greener and more sustainable future.
Embrace renewable energy: SBI can invest in renewable energy sources like solar panels and wind turbines to power its operations. This would reduce the organization's carbon footprint and dependence on fossil fuels.
Green building initiatives: SBI can adopt eco-friendly building practices in its branches and office spaces. This includes using energy-efficient lighting, implementing proper waste management systems, and designing buildings with sustainable materials.
Paperless operations: SBI can promote paperless transactions and encourage customers to opt for digital banking services. By reducing paper usage, the organization can conserve natural resources and minimize waste.
Sustainable lending practices: SBI can incorporate environmental criteria into its lending decisions. By prioritizing loans for environmentally friendly projects and businesses, SBI can support sustainable initiatives and contribute to a greener economy.
Employee education and engagement: SBI can conduct training programs and awareness campaigns to educate its employees about environmental sustainability. Employees can be encouraged to adopt eco-friendly practices both in the workplace and in their personal lives.
Collaboration with stakeholders: SBI can collaborate with environmental organizations, government bodies, and other stakeholders to develop and implement sustainable practices. This can involve sharing best practices, participating in environmental initiatives, and advocating for policies that promote sustainability.
By implementing these sustainable practices, SBI can demonstrate its commitment to environmental ethics and contribute to a more sustainable future. It would not only benefit the environment but also enhance the organization's reputation, attract socially responsible customers, and improve operational efficiency.
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Services Operations have a number of challenges that Manufacturing Operations do not have. What characteristic of a service is best illustrated by an empty airline seat or a hotel room not occupied intangibility variability time-perishable facilitating good air ball
The characteristic of a service best illustrated by an empty airline seat or a hotel room not occupied is perishability.
Perishability refers to the fact that services cannot be stored or inventoried for future use. Unlike tangible goods, which can be produced in advance and stored until there is demand, services are often consumed at the time they are produced. This means that if an airline seat or a hotel room is not occupied at a particular moment, the opportunity to generate revenue from that service is lost forever. Once the time period for which the service was intended has passed, it cannot be recovered or sold again.
In the case of airlines and hotels, the perishability of their services necessitates careful planning and management of capacity. Airlines and hotels invest significant resources in forecasting demand, optimizing pricing strategies, and implementing revenue management systems to maximize their utilization rates and minimize revenue losses. These businesses employ various techniques such as overbooking, dynamic pricing, and promotions to ensure that their services are utilized to the fullest extent possible.
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A consumer has two goods in his consumption bundle: bread and coffee. The current price of bread is $1.00 per loaf and the price of coffee is $2.00 per cup. This consumer currently buys 2 loaves of bread per week and 10 cups of coffee. Suppose that the price of bread increases by 10% and the price of coffee increases by 5% Using this current consumption bundle, calcojate the value of the CPI for this consumer. CPI = (enter your response rounded to two decimal places). By how much would a consumer's income need to change (in percentage terms) to compensate for these higher prices? \% (enter your response as a percentage rounded to two decimal places).
The Consumer Price Index (CPI) for this consumer, based on the given consumption bundle, is approximately 105.45. This means that prices have increased by about 5.45% overall.
To compensate for these higher prices, a consumer's income would need to increase by approximately 5.45%. This adjustment in income would help maintain the consumer's purchasing power and enable them to continue purchasing the same quantity of bread and coffee despite the price increases.
It's important for individuals and policymakers to monitor and consider the impact of price changes on consumers' budgets and adjust income and policies accordingly to mitigate the effects of inflation.
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You’ve been working hard on a high-profile client project for several weeks and
an important mid-project deadline is looming. Everyone on the team is feeling
the pressure to meet the deadline. One evening you’ve stayed late to make
sure the work you’ve responsible for is completed to a high quality and ready
for your manager to review the next morning. A colleague who’s working with you on the project approaches you to ask for your advice, as they’re unsure how to deal with a situation. They tell you that when they were asking the client some simple questions about a transaction, the client became defensive and seemed reluctant to respond to their challenge. They’re concerned that vital information may be missing, and that the client is withholding information that may be important to the outcome of the project. Your colleague is going on holiday tomorrow for two weeks and needs to hand this piece of work over to you. What do you do?
Your answer should cover the following:
What would you say to your colleague and team?
What would your main priorities be in dealing with this situation?
How would you make sure these priorities are achieved?
Who would you refer to, if anyone, for support?
We must focus on fostering constructive communication, information gathering, and collaborative problem-solving within the team. By addressing the issue proactively and involving the right stakeholders.
By following these steps, I would strive to ensure the successful completion of the project while addressing any potential issues that may arise.
My main priorities in dealing with this situation would be:
Gather all available information: I would thoroughly review the work done so far, including the questions asked to the client and their responses. It's crucial to identify any potential gaps or missing information that could affect the project's outcome.
Evaluate the situation: I would analyze the client's defensive behavior and reluctance to respond. I'd consider possible reasons for their behavior, such as concerns about confidentiality or a lack of trust. This evaluation will help me determine the best approach to resolve the situation and gather the necessary information.
Build rapport and trust: Establishing a strong relationship with the client is essential. I would aim to build rapport by showing empathy, actively listening, and demonstrating a genuine interest in their concerns. I'd ensure the client understands that their cooperation is crucial for the successful completion of the project
Seek support if needed: If I encounter significant challenges in dealing with the client or require additional expertise, I would reach out to my manager or a senior member of the team for guidance and support. Their experience and insights could provide valuable advice on how to handle the situation effectively.
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Calculate the present value of a growing annuity given the
following information: annual cash flows = $100,000; cash flow
growth rate = 2%; required rate of return = 9%; timeframe =
50years.
To calculate the present value of a growing annuity, we can use the formula:
PVGA = PMT / (r - g) * (1 - (1 + g / r)ⁿ)
Given the information:
Annual cash flows (PMT) = $100,000
Cash flow growth rate (g) = 2%
Required rate of return (r) = 9%
Timeframe (n) = 50 years
Substituting these values into the formula, we have:
PVGA = $100,000 / (9% - 2%) * (1 - (1 + 2% / 9%)⁵⁰)
Calculating the values within the parentheses:
(1 + 2% / 9%)⁵⁰ ≈ 1.984
Now we can continue calculating the present value of the growing annuity:
PVGA = $100,000 / 0.07 * (1 - 1.984)
≈ $100,000 / 0.07 * (-0.984)
≈ -$1,404,285.71
The present value of the growing annuity is approximately -$1,404,285.71. The negative value indicates that the present value of the growing annuity is less than zero, suggesting that the annuity's cash flows and growth rate are not sufficient to meet the required rate of return over the given timeframe.
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Last year Foley Incorporated reported net fixed assets of $366, net working capital of $134, net income of $120, dividends of $70, and earnings retained in the period of $84. What is Foley Incorporated's internal growth rate?
Multiple Choice
A. 24.30 percent
B. 50.4 percent
C. 16.80 percent
D. 19.30 percent
To calculate Foley Incorporated's internal growth rate, we need to use the formula: Internal Growth Rate = Retention Ratio × Return on Assets (ROA). The correct answer is not provided in options.
The retention ratio is calculated by subtracting dividends from net income and dividing it by net income. ROA is calculated by dividing net income by total assets.
Given the information:
Net Income = $120
Dividends = $70
Retained Earnings = Net Income - Dividends = $120 - $70 = $50
Net Working Capital = $134
Net Fixed Assets = $366
Total Assets = Net Working Capital + Net Fixed Assets = $134 + $366 = $500
ROA = Net Income / Total Assets = $120 / $500 = 0.24 or 24%
Retention Ratio = Retained Earnings / Net Income = $50 / $120 = 0.4167 or 41.67%
Internal Growth Rate = Retention Ratio × ROA = 0.4167 × 0.24 = 0.1000 or 10%
Therefore, Foley Incorporated's internal growth rate is 10%. The correct answer is not provided in the multiple-choice options.
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1) How as a leader do you lead in an organization with one of
hot topics
2) What does one's leadership voice have to do with leading
1) As a leader in an organization dealing with a hot topic, it is crucial to approach the situation with sensitivity and empathy. Create a safe environment for open dialogue, respecting diverse perspectives. Provide clear guidance aligned with values. Support affected employees and lead by example, promoting respect and inclusivity.
2) One's leadership voice, shaped by values and communication style, is essential in leading. It establishes credibility, inspires others, and guides decision-making. A strong leadership voice motivates and empowers individuals, fosters collaboration, and shapes organizational culture. It sets the tone and direction for the team or organization.
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In 2021, California conforms to which of the following Federal tax law provisions? A. An above-the-line deduction up to $600 for charitable cash contributions to specified charitable organizations B. The limit for charitable contributions to 100% of a taxpayer’s Federal adjusted gross income (AGI) C. The deduction for medical and dental expenses that exceed 7.5% of Federal adjusted gross income (AGI) D. The above-the-line deduction for certain expenses of elementary and secondary school teachers
California conforms to the Federal tax law provision which is the deduction for medical and dental expenses that exceed 7.5% of Federal adjusted gross income (AGI).
In 2021, California has conformed to the deduction for medical and dental expenses that exceed 7.5% of Federal adjusted gross income (AGI).Option C is the correct answer as this answer describes the conformity of California with Federal tax law provisions. The Federal tax law provision offers a deduction for medical and dental expenses that exceed 7.5% of the taxpayer’s Federal adjusted gross income (AGI).
The State of California conforms to most of the federal tax law provisions. It has recently adopted the CARES Act provisions in California’s tax code, which include a suspension of excess business losses, relaxed limitations on the business interest deduction, an above-the-line deduction for charitable cash contributions up to $300 ($600 on a joint return), etc.
Conclusively, California conforms to the Federal tax law provision which is the deduction for medical and dental expenses that exceed 7.5% of Federal adjusted gross income (AGI).
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Recent financial statements of General Mills, Inc. report net sales of $12,812,486,000. Accounts receivable are $914,562,000 at the beginning of the year and $957,899,000 at the end of the year. (a1) Compute General Mills' accounts receivable turnover. (Round answer to 2 decimal places, e.g. 15.25.) Accounts receivable turnover times_____
The accounts receivable turnover is a financial ratio that measures how quickly a company collects payment from its customers. The accounts receivable turnover for General Mills, Inc. is 13.69.
It indicates the efficiency of a company in managing its accounts receivable.
To calculate the accounts receivable turnover, we divide the net sales by the average accounts receivable. The average accounts receivable can be obtained by adding the beginning and ending accounts receivable and dividing by 2.
In this case, the net sales of General Mills, Inc. is $12,812,486,000. The beginning accounts receivable is $914,562,000, and the ending accounts receivable is $957,899,000.
To calculate the average accounts receivable, we add the beginning and ending accounts receivable and divide by 2: ($914,562,000 + $957,899,000) / 2 = $936,230,500.
Now we can calculate the accounts receivable turnover by dividing the net sales by the average accounts receivable: $12,812,486,000 / $936,230,500 = 13.69.
The calculated value will be the accounts receivable turnover for General Mills, Inc. It represents the number of times, on average, that the company collects its outstanding receivables in a year.
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Which of the following best describes what happens to the present value and future value of a cash flow as the time period increases? Both present value and future value stay the same. The present value decreases and the future value increases. Both the present value and future value increases. Both the present value and future value decreases.
As the time period increases, both the present value and future value of a cash flow decrease.
This is because the value of money diminishes over time due to factors such as inflation and opportunity costs. In other words, money has more purchasing power in the present than it will in the future. Therefore, the present value decreases as it represents the current worth of a future cash flow, and the future value increases as it represents the accumulated value of an investment over time, taking into account interest or growth.
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Concern on short-term and long-term insurance from the customer's perspective and how the adjustments need to be made by the insurance company.
From the customer's perspective, short-term and long-term insurance have distinct considerations.
From the customer's viewpoint, short-term insurance is often sought for specific risks, such as car accidents, property damage, or travel emergencies. Customers expect quick and efficient claims processing, affordability, and customizable coverage options. Insurance companies should focus on streamlining processes, offering competitive premiums, and providing clear policy terms to meet these expectations.
On the other hand, long-term insurance, such as life, health, or retirement plans, requires a different approach. Customers seeking long-term coverage are concerned about financial stability, protection for their loved ones, and potential future healthcare needs. Insurance companies must adapt their offerings by providing comprehensive coverage, flexible payment options, and personalized advice to address these concerns. Long-term policies should also incorporate options for adjusting coverage over time to accommodate changing circumstances and evolving needs.
Overall, insurance companies need to strike a balance between short-term and long-term offerings to meet customer expectations. This involves understanding the specific risks and desires of customers in each category and tailoring insurance products accordingly. By providing accessible, transparent, and customer-centric policies, insurance companies can ensure customer satisfaction and loyalty in both the short and long term.
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Vagueness and ambiguity weaken persuasive writing by…
0 causing essays to be long and wordy, which isolates the reader
0 preventing the audience from trusting in the author's arguments.
0 making sentences and paragraphs too short.
O including inaccurate information that creates skepticism about the writer's validity.
The option that accurately describes how vagueness and ambiguity weaken persuasive writing is: Preventing the audience from trusting in the author's arguments.
When an essay or persuasive writing is vague or ambiguous, it can be difficult for the reader to follow the author's train of thought and understand their position. This can lead to confusion and mistrust towards the writer's arguments and ultimately weaken the persuasiveness of the writing. It is important for writers to be clear and precise in their language to avoid any misunderstandings that might arise due to vagueness or ambiguity.
Vagueness refers to the lack of clarity or precision in language, which can make it difficult for readers to understand the author's intended meaning. Ambiguity, on the other hand, refers to the existence of multiple possible meanings or interpretations of a particular word, phrase, or sentence. When a writer uses vague or ambiguous language in persuasive writing, they run the risk of confusing their audience and preventing them from fully understanding their arguments.
In persuasive writing, the goal is to convince the reader to agree with the writer's position. However, if the writing is unclear or imprecise, the reader may become skeptical of the author's arguments and be less likely to trust their position on the issue. This can ultimately weaken the persuasiveness of the writing and make it less effective at convincing the reader to take action or adopt a certain viewpoint.
Therefore, it is important for writers to be as clear and precise as possible in their language when crafting persuasive writing. By doing so, they can ensure that their arguments are easily understood by their audience and that their message is conveyed effectively, ultimately leading to greater persuasive power.
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one page summary on chapter inventory Management and supply
change management and
Material Requirements Planning (MRP) and ERP
ERP (Enterprise Resource Planning), MRP (Material Requirements Planning), and MPS (Master Production Schedule) are interconnected systems within a business's supply chain. ERP serves as a comprehensive management system that integrates various functions across the organization, while MRP focuses on planning material requirements for production, and MPS provides a detailed schedule for production activities.
ERP, MRP, and MPS are crucial components of an efficient supply chain management system.
ERP (Enterprise Resource Planning) is a software system that integrates and manages core business processes such as finance, human resources, inventory management, sales, and procurement. It provides a centralized database and real-time information, enabling seamless coordination and communication across different departments. ERP allows organizations to streamline operations, improve productivity, and enhance decision-making capabilities by providing a holistic view of the business.
MRP (Material Requirements Planning) is a system used for planning and managing material requirements for production. It takes into account various factors such as the production schedule, bill of materials, inventory levels, and demand forecasts to determine the quantity and timing of materials needed. MRP helps ensure that the right materials are available at the right time, minimizing inventory costs, reducing stockouts, and improving production efficiency.
MPS (Master Production Schedule) is a detailed plan that specifies the quantity and timing of finished products to be produced within a specific timeframe. It considers factors like customer demand, sales forecasts, available capacity, and production constraints. MPS provides a roadmap for production activities, allowing organizations to optimize resources, meet customer demand, and manage production schedules effectively.
In an ERP system, key functions include financial management, human resource management, inventory management, sales and marketing, procurement, and production planning. These functions are interconnected and share data, enabling seamless coordination and decision-making across different departments.
In an MRP system, key functions include material planning, demand forecasting, inventory control, order management, and production scheduling. These functions work together to ensure that materials are available when needed, production orders are efficiently scheduled, and inventory levels are optimized.
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Concord's Agency sells an insurance policy offered by Capital Insurance Company for a commission of $92 on January 2,2020 . In addition, Concord will receive an additional commission of $12 each year for as long as the policyholder does not cancel the policy. After selling the policy, Concord does not have any remaining performance obligations. Based on Concord's significant experience with these types of policies, it estimates that policyholders on average renew the policy for 4.5 years, which results in an expected policy life of 5.5 years. It has no evidence to suggest that previous policyholder behavior will change. (a) Your answer is correct. Determine the transaction price of the arrangement for Concord, assuming 70 policies are sold. (Round answer to 0 decimal places, e.g. 5,125.) Transaction price $ eTextbook and Media Attempts: 6 of 7 usec (b) Determine the revenue that Concord will recognize in 2020 . (Round answer to 0 decimal places, e.g. 5,125.) Revenue
A. There are no other elements in the transaction price mentioned in the question, the transaction price for Concord is $6,440.
B. Concord will recognize revenue of $840 in 2020.
(a) To determine the transaction price for Concord, we need to calculate the total commission earned from selling the policies.
Given:
Commission per policy = $92
Additional commission per year = $12
Number of policies sold = 70
Total commission earned for selling the policies:
Commission per policy * Number of policies sold = $92 * 70 = $6,440
Since there are no other elements in the transaction price mentioned in the question, the transaction price for Concord is $6,440.
(b) To determine the revenue that Concord will recognize in 2020, we need to consider the commission earned in the current year.
Given:
Commission per year = $12
Expected policy life = 5.5 years
Revenue recognized in 2020:
Commission per year * Number of policies sold = $12 * 70 = $840
Therefore, Concord will recognize revenue of $840 in 2020.
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The advantage of a CMO (collateralized mortgage obligation) to an investor over a pass-through is that a CMO offers investors several tranches with different lexels of prepayment risk interest rate of CMO is guaranteed while interest rate of a pass-through is not a CMO is not taxable and a pass-through is taxable CMO makes interest payment once a vear CMO has a lower credit risk than a pass-through
The advantage of a CMO (collateralized mortgage obligation) to an investor over a pass-through is that a CMO offers investors several tranches with different levels of prepayment risk, and the interest rate of CMO is guaranteed while the interest rate of a pass-through is not.
The statement that is true regarding the advantage of a CMO to an investor over a pass-through is that a CMO offers investors several tranches with different levels of prepayment risk and the interest rate of CMO is guaranteed while the interest rate of a pass-through is not.What is CMO? Collateralized Mortgage Obligation (CMO) is a bond-like structured financial instrument that uses pooled mortgage loans as collateral. The principal and interest payments from the underlying mortgages are used to pay the interest and principal on the CMOs. The CMO is split into several classes known as tranches, and each tranche is given a separate level of risk.
CMOs offer investors a variety of choices in terms of maturity, credit rating, and liquidity. CMOs are preferred over pass-throughs for investors because of their reliability. The interest rate on CMOs is set at the time of issuance and is guaranteed, while the interest rate on a pass-through fluctuates based on the underlying mortgage loans. CMOs provide investors with a steady cash flow with defined risk levels, making them a perfect choice for fixed-income investors who seek safety and stability in their investments.
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A review of the ledger of Coronado Corporation at its year end, July 31, 2021, produces the following unadjusted data for the preparation of annual adjusting entries: 1. Prepaid Insurance, July 31,2021 , unadjusted balance, $10,080 : The company purchased an insurance policy on December 1 , 2019, with a two-year term, which expires November 30, 2021. 2. Buildings, July 31, 2021, unadjusted balance, $234,000 : The company owns a building purchased on September 1 , 2017, for $234,000, with an estimated 30 -year useful life. The company uses straight-line depreciation. 3. Deferred Revenue, July 31,2021 , unadjusted balance, $46,750 : The selling price of a digital magazine subscription is $66 for 24 monthly issues delivered over a two-year period. The company had sold 1,000 subscriptions on January 1,2020 , during a special promotion. 4. Salaries Payable, July 31,2021 , unadjusted balance, $0 : There are 9 salaried employees. Salaries are paid every Monday for the previous five-day workweek (Monday to Friday). 6 employees receive a salary of $610 each per week, and 3 employees earn $720 each per week. July 31 is a Saturday. (a1) How much insurance expires per month for the building? Insurance expires per month (a3) What was the original purchase price of the policy on December 1,2019 ? Original purchase price of the policy $ (a4) How much should the adjusted balance in the Prepaid Insurance account be at July 31,2021 ? Adjusted balance in the Prepaid Insurance account $ (b1) How much is annual depreciation expense for the building? Annual depreciation expense $ (b2) Calculate the unadjusted balance in the Accumulated Depreciation-Buildings account as at July 31,2021. Unadjusted balance in the Accumulated Depreciation-Buildings account $ (b3) How much should the adjusted balance in the Accumulated Depreciation-Buildings account be at July 31,2021 ? Adjusted balance in the Accumulated Depreciation-Buildings account $ (c1) How much is earned by the company per month for the magazine subscriptions? Revenue $ (c3) How much should the adjusted balance in the Deferred Revenue account be at July 31,2021 ? Adjusted balance in the Deferred Revenue account $ (d1) How much salary was paid on the last payday, Monday, July 26 ? Salary $ (d2) How much, if any, salary is owed to the employees on July 31 ? Salary $ (d3) How much salary will be paid on the next payday, Monday, August 2? Salary $ (d3) How much salary will be paid on the next payday, Monday, August 2? Salary $ (e) Prepare the adjusting journal entries required for each of the above four items at July 31, 2021. (Hint: Use the account Subscription Revenue for item (c).) (List all debit entries before credit entries. Credit account titles are automatically indented when the amount is entered. Do not indent manually. Round all amounts to the nearest dollar. If no entry is required, select "No Entry" for the account titles and enter O for the amounts.)
(a1) To determine the amount of insurance that expires per month for the building, we need to divide the total insurance cost by the number of months in the policy's term.
Insurance expires per month = Prepaid Insurance / Number of months in the policy's term
The policy was purchased on December 1, 2019, and expires on November 30, 2021, which is a total of 24 months.
Insurance expires per month = $10,080 / 24
Insurance expires per month = $420
The insurance that expires per month for the building is $420.
(a3) The original purchase price of the policy on December 1, 2019, can be determined from the unadjusted balance of Prepaid Insurance.
Original purchase price of the policy = Unadjusted balance of Prepaid Insurance
Original purchase price of the policy = $10,080
The original purchase price of the policy on December 1, 2019, is $10,080.
(a4) The adjusted balance in the Prepaid Insurance account at July 31, 2021, can be calculated by subtracting the insurance that has expired.
Adjusted balance in the Prepaid Insurance account = Unadjusted balance of Prepaid Insurance - Insurance expires
Adjusted balance in the Prepaid Insurance account = $10,080 - ($420 x Number of months from December 2019 to July 2021)
Since July 31, 2021, is 20 months after December 2019:
Adjusted balance in the Prepaid Insurance account = $10,080 - ($420 x 20)
Adjusted balance in the Prepaid Insurance account = $2,280
The adjusted balance in the Prepaid Insurance account at July 31, 2021, is $2,280.
(b1) The annual depreciation expense for the building can be calculated using the straight-line depreciation method.
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growth rate. The industrial chemicals division has an asset beta of 1.12, expects to generate free cash flow of $44 million this year, and anticipates a 3% perpetual growth rate. Suppose the risk-free rate is 4% and the market risk premium is 6%. a. Estimate the value of each division. b. Estimate Weston's current equity beta c. Estimate Weston's current cost of capital. Is this cost of capital useful for valuing Weston's projects? How is Weston's equity beta likely to change over time?
To estimate the value of the industrial chemicals division, use the FCFF valuation approach, calculate Weston's current equity beta using the weighted average of asset betas, estimate the cost of capital, and note that the equity beta is likely to change over time.
a. The value of the industrial chemicals division can be estimated using the FCFF valuation approach, taking into account the free cash flow, cost of capital, and perpetual growth rate.
b. Without information on other divisions, it is not possible to accurately estimate Weston's current equity beta.
c. The current cost of capital for Weston can be calculated using the CAPM formula, but without complete information on the company's financial structure, its accuracy is uncertain.
The usefulness of the estimated cost of capital for valuing Weston's projects depends on whether it accurately reflects the company's overall risk and financial structure.
Weston's equity beta is likely to change over time due to various factors, including changes in financial structure, market conditions, and business operations.
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International Marketing
As companies move in to other markets, they have to determine which would be more valuable to be a national organization with regional offices having the flexibility to respond to local market issues or having standardized controls based at headquarters in a home country. Discuss the advantages and disadvantages posed for the marketing team looking to adapt either.
When expanding into foreign markets, companies must decide whether to adopt a national organization with regional offices or a centralized approach based on headquarters. Both approaches have advantages and disadvantages for the marketing team.
A national organization with regional offices provides flexibility and the ability to respond to local market issues. The marketing team in each region can tailor their strategies to meet the specific needs and preferences of the local consumers. This allows for better market adaptation, customer engagement, and understanding of local cultural nuances. Additionally, having a local presence enhances market knowledge and helps build relationships with local partners and stakeholders. On the other hand, a centralized approach based at headquarters offers standardized controls and consistency across markets. The marketing team can ensure brand consistency, messaging, and global coordination of marketing efforts. Centralization can also lead to economies of scale, as marketing resources and expertise are concentrated. However, it may result in a lack of responsiveness to local market dynamics, cultural differences, and customer preferences. Ultimately, the choice between a national organization with regional offices and a centralized approach depends on various factors such as the company's strategic objectives, the nature of the industry, market characteristics, and the level of standardization required. A hybrid approach that combines elements of both approaches may also be suitable in some cases, allowing for a balance between local adaptation and global consistency.
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Margaret consumes two goods: X and Y, both of which she likes and always wants more of. When the price of X is $2 and the price of Y is $1, she maximizes utility consuming 10 units of X and 10 units of Y. When the price of X is $1.50 and the price of Y is $1.50, which of the following bundles can we not rule out might maximize Margaret's utility, assuming her income stays the same? A) 5 units of X and 20 units of Y. B) 8 units of X and 12 units of Y C) 20 units of X and 0 units of Y D) None of the above.
To determine the answer, we need additional information on the marginal utilities of X and Y for each bundle. We cannot definitively identify which bundle might maximize Margaret's utility.
Option D is correct .
To determine which bundle of goods might maximize Margaret's utility when the price of X is $1.50 and the price of Y is $1.50, we need to compare the marginal utilities (MU) per dollar spent for each bundle.
Given that Margaret maximizes utility consuming 10 units of X and 10 units of Y when the price of X is $2 and the price of Y is $1, we can calculate her marginal utility per dollar for both goods:
MU(X) / Price(X) = MU(Y) / Price(Y)
MU(X) / $2 = MU(Y) / $1
Now, let's analyze each of the given bundles and compare their marginal utilities per dollar spent to the 10 units of X and 10 units of Y bundle:
A) 5 units of X and 20 units of Y:
Marginal utility of X for bundle A: MU(X) / $1.50
Marginal utility of Y for bundle A: MU(Y) / $1.50
B) 8 units of X and 12 units of Y:
Marginal utility of X for bundle B: MU(X) / $1.50
Marginal utility of Y for bundle B: MU(Y) / $1.50
C) 20 units of X and 0 units of Y:
Marginal utility of X for bundle C: MU(X) / $1.50
Marginal utility of Y for bundle C: MU(Y) / $1.50
To determine whether any of the bundles might maximize Margaret's utility, we need to compare the marginal utility per dollar ratios of each bundle to the original bundle of 10 units of X and 10 units of Y.
If any of the given bundles has a higher marginal utility per dollar ratio for both X and Y compared to the original bundle, we cannot rule out that it might maximize Margaret's utility.
Therefore, to determine the answer, we need additional information on the marginal utilities of X and Y for each bundle.
Without this information, we cannot definitively identify which bundle might maximize Margaret's utility.
Therefore, the correct answer is D) None of the above.
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write summery of
The anatomy of a misinformation attack
Scientists who discuss hot-button topics on social media may find themselves in the middle of a firestorm. How can they stay safe while communicating the facts, and what can institutions do to support them?
In today's digital age, scientists engaging in discussions about controversial topics on social media are increasingly vulnerable to misinformation attacks.
This article highlights the challenges they face and explores ways to ensure their safety while communicating factual information. The authors emphasize the importance of understanding the anatomy of misinformation attacks, which often involve the deliberate spread of false or misleading information to undermine scientific credibility. They suggest that scientists should proactively engage with the public, using clear and accessible language to communicate their research findings effectively. Additionally, institutions play a crucial role in supporting scientists by providing guidelines, training, and resources for dealing with misinformation attacks. Collaboration between scientists, institutions, and journalists is also encouraged to counter misinformation and promote accurate scientific information. By adopting strategies that enhance transparency, accountability, and public engagement, scientists can navigate the complexities of social media discussions and protect the integrity of scientific knowledge.
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What are the advantages of using an SST like the Amazon Mobile
App?
Using a self-service technology (SST) like the Amazon Mobile App offers several advantages:
Convenience: The Amazon Mobile App provides users with the convenience of shopping anytime and anywhere. Customers can browse and purchase products directly from their smartphones or tablets, eliminating the need to visit physical stores or use a desktop computer. This convenience factor saves time and effort for customers.
Easy Accessibility: The Amazon Mobile App allows users to access a wide range of products and services with just a few taps on their mobile devices. It offers a user-friendly interface, intuitive navigation, and personalized recommendations, making it easy for customers to find and purchase desired items.
Flexibility and Mobility: With the Amazon Mobile App, customers have the flexibility to shop on the go. They can browse and order products while traveling, waiting in line, or during any other spare moments. The app also provides features like order tracking and notifications, allowing customers to stay updated on their purchases in real-time.
Enhanced Personalization: The Amazon Mobile App leverages customer data and preferences to offer personalized recommendations and tailored shopping experiences. It remembers past purchases, suggests related items, and provides personalized promotions and discounts, enhancing the overall shopping experience for customers.
Seamless Integration: The Amazon Mobile App integrates with various features and services, such as mobile payments, one-click purchasing, and voice assistant integration (e.g., Alexa). This integration streamlines the shopping process and enhances the overall user experience.
Customer Reviews and Ratings: The app provides access to customer reviews and ratings for products, allowing users to make informed purchasing decisions. This feature helps customers gauge the quality and suitability of products before making a purchase.
Secure and Trusted Platform: Amazon has established a strong reputation for secure and reliable online transactions. The Amazon Mobile App ensures secure payment processing, safeguards user data, and offers trusted customer support, building trust and confidence among customers.
Overall, the Amazon Mobile App offers the advantages of convenience, accessibility, flexibility, personalization, integration, customer reviews, and a secure platform, enhancing the shopping experience for customers and making it a preferred choice for online shopping.
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BlueFans is a small company that manufactures fans. Large variations in demand due to seasonality have contributed to high costs for the company. BlueFans currently uses a level production strategy because it prefers not to hire and fire employees. However, if there is enough cost justification, the company will consider alternative production plans.
a.What is the cost of the current production plan
b.How much would BlueFans save (difference between the cost in "a" and the cost in "b") by using a chase demand strategy? Justify your answer. (6 pts)
c.How much would BlueFans save (difference between the cost in "a" and the cost in "c") by keeping a steady workforce of 20 workers and supplementing with over-time and subcontracting as needed.
a. The cost of the current production plan for Blue Fans is not specified in the given information. Without the specific cost data, it is not possible to provide a numerical value for the cost.
b. To determine the potential savings by using a chase demand strategy, we need more information about the costs associated with hiring and firing employees and the fluctuations in demand. which can help minimize costs associated with excess labor during low-demand periods. By aligning production with demand, Blue Fans can potentially reduce costs related to idle labor and inventory holding. c. The potential savings by keeping a steady workforce of 20 workers and supplementing with overtime and subcontracting would depend on the costs of overtime, subcontracting, and the specific demand fluctuations.
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Your team will present to Erik Peterson. As ABC Consultants (or a name of your choice), your team has been asked by Peterson to mitigate the situations that resulted in his dismissal. As a demonstration of your team’s capability, your team will prepare a communications plan for Peterson.
The plan should include recommendations regarding a written communication piece, a business meeting, and a follow-up conference call. You may base your communication on the entire case and use different parts for each of the written, business meeting and conference call or choose one problem area to specialize in.
As ABC Consultants, our recommended communications plan for Erik Peterson's dismissal situation includes a written communication piece, a business meeting, and a follow-up conference call. This comprehensive approach will address the specific challenges Erik faced and provide effective solutions for his reinstatement and improved performance.
For the written communication piece, we propose drafting a professional and persuasive letter addressed to the relevant stakeholders, such as senior executives and the board of directors. The letter will outline Erik's achievements, emphasize his dedication to the company, and present a detailed action plan for addressing the issues that led to his dismissal. By highlighting his strengths and proposing concrete steps for improvement, the letter aims to create a favorable impression and generate support for his reinstatement.
The business meeting will serve as a platform for Erik to showcase his competence and commitment. We suggest organizing a meeting with key decision-makers, during which Erik can present a comprehensive report on his past performance, explain the challenges he faced, and offer viable strategies for overcoming them. By demonstrating his understanding of the issues and his proactive approach, Erik can instill confidence and gain support for his reinstatement.
Following the business meeting, a follow-up conference call will be arranged to address any remaining concerns and clarify further steps. This call will provide an opportunity for Erik to respond to questions, provide additional information, and engage in open dialogue with stakeholders. The conference call will reinforce Erik's commitment to personal growth and improvement, showcasing his willingness to learn from past mistakes and contribute positively to the company's success.
Through this communications plan, ABC Consultants aims to effectively communicate Erik Peterson's value, address the issues that led to his dismissal, and generate support for his reinstatement. The written communication piece, business meeting, and follow-up conference call will provide a well-rounded approach to mitigate the situations that resulted in his dismissal.
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The following dollar exchange rates were obtained from the August 5, 2020 issue of the Wall Street Journal:
$1.1864/€ ¥105.60/$
Let’s say Citi makes a market between $ and € and JPMorgan makes a market between ¥ and $ at these rates. Sumitomo Bank, on the other hand, makes a direct market between ¥ and € at the rate of ¥123/€. Is there a triangular arbitrage opportunity here? If so, how can you make money if you were an American investor with $100,000? Or if you were a European investor with €100,000 to invest?
1. Compute the implied cross-rate between ¥ and €.
2. Compare the implied cross-rate against the quoted cross-rate and determine if there is a triangular arbitrage opportunity
3. Identify the sequence of transactions if you were an American investor with $100,000 to start with. Calculate your $ profit.
4. What happens if you engage in transactions in the opposite direction?
5. Identify the sequence of transactions for a European investor with €100,000 to invest. Calculate your € profit.
To determine if there is a triangular arbitrage opportunity, we need to compare the implied cross-rate between ¥ and € with the quoted cross-rate.Compute the implied cross-rate between ¥ and €:From the given rates,
we have $1 = ¥105.60 and $1 = €1.1864.Dividing both sides by $1, we get ¥105.60/€1.Compare the implied cross-rate against the quoted cross-rate:The quoted cross-rate given is ¥123/€1.If the implied cross-rate and quoted cross-rate differ significantly, there may be an arbitrage opportunity.Sequence of transactions for an American investor with $100,000: Convert $100,000 to Japanese Yen (¥): $100,000 * ¥105.60/$1 = ¥10,560,000 Convert the obtained Japanese Yen (¥) to Euros (€): ¥10,560,000 * €1/¥105.60 = €100,000.Convert the Euros (€) back to Dollars ($): €100,000 * $1.1864/€1 = $118,640.The profit in dollars is $118,640 - $100,000 = $18,640.Transactions in the opposite direction:If the transactions are conducted in the opposite direction, starting with €100,000, the profit in euros would be calculated.Convert €100,000 to Japanese Yen (¥): €100,000 * ¥123/€1 = ¥12,300,000.Convert the obtained Japanese Yen (¥) to Dollars ($): ¥12,300,000 * $1/¥105.60 = $116,477.27.The profit in euros is €100,000 - €116,477.27 = -€16,477.27 (a loss).
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Contribution margin analysis helps managers to compare products and decide to do which of the following? (Select allthat apply.) add additional fixed investments discontinue a product line add a product line add workers to the accounting department Name two popular methods of allocating manufacturing overhead costs. (Select the two answers that apply.) direct labor contribution margin indirect labor machine hours
Contribution margin analysis helps managers to decide on the following 1) Discontinue a product line, 2) Two popular methods of allocating manufacturing overhead costs are a)Direct labor, b)Machine hours
1) Discontinue a product line: Contribution margin analysis allows managers to assess the profitability of each product or product line. If a product has a low or negative contribution margin, indicating that it does not cover its variable costs, managers may decide to discontinue the product line to improve overall profitability.
2) Add a product line: Managers can use contribution margin analysis to evaluate the potential profitability of introducing a new product line. By estimating the contribution margin of the new product line, managers can assess its viability and determine if it will contribute positively to the overall profitability of the organization.
Two popular methods of allocating manufacturing overhead costs are:
a) Direct labor: The direct labor method allocates manufacturing overhead costs based on the direct labor hours incurred for each product. It assumes that the amount of time spent on direct labor is proportional to the amount of overhead costs incurred.
b) Machine hours: The machine hours method allocates manufacturing overhead costs based on the number of machine hours used by each product. It assumes that the amount of overhead costs incurred is directly related to the amount of time products spend utilizing production machinery.
These methods are commonly used in cost accounting to allocate overhead costs to products and help determine their true costs and profitability.
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List the "5 C's of Credit" presented in the textbook and briefly explain (in your own words) how each is used to determine the credit worthiness of a loan applicant.
The "5 C's of Credit" are a set of criteria used by lenders to assess the creditworthiness of a loan applicant. They include Character, Capacity, Capital, Collateral, and Conditions.
Character: Character refers to the borrower's reputation, integrity, and credit history. Lenders evaluate the borrower's track record of meeting financial obligations, including credit card payments, previous loans, and other debts. A good credit history demonstrates a responsible payment behavior and increases the borrower's creditworthiness.
Capacity: Capacity assesses the borrower's ability to repay the loan based on income, employment stability, and existing debt obligations. Lenders analyze the borrower's income level to determine if it is sufficient to cover the loan payments.
They also consider the borrower's employment history, as a stable job provides more confidence in the borrower's capacity to repay the loan.
Capital: Capital refers to the borrower's financial reserves and assets. Lenders assess the borrower's capital to determine their ability to cover loan payments in case of unexpected financial difficulties.
A higher level of capital indicates a greater ability to withstand financial challenges and increases the likelihood of loan approval.
Collateral: Collateral represents the assets or property that the borrower pledges as security for the loan. Lenders evaluate the value and quality of the collateral. In case of loan default, the lender can seize and sell the collateral to recover their funds.
Collateral provides lenders with a sense of security and reduces the risk associated with the loan.
Conditions: Conditions refer to the economic, industry, and market factors that may impact the borrower's ability to repay the loan. Lenders consider external circumstances such as interest rates, economic stability, and industry trends.
These conditions can affect the borrower's income, employment, and overall financial health. Evaluating the conditions helps lenders assess the potential risks associated with the loan.
By considering the 5 C's of Credit, lenders can make a more informed decision about granting a loan. They assess the borrower's character, capacity, capital, collateral, and prevailing economic conditions to determine the creditworthiness and the level of risk associated with the loan application.
This comprehensive evaluation helps lenders mitigate potential risks and make informed lending decisions.
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Which of the following is not one of the 4C ′
's? 1) Critter 2) Co-created 3) Communities 4) Choice 5) Customizable
The option that is not one of the 4C's is Critter.
The 4C's refers to a marketing concept used in modern marketing and comprises of four core elements.
These four C's are Consumer, Cost, Convenience, and Communication.
The concept of 4C's was introduced by Robert F. Lauterborn in 1990 to overcome the issues associated with the 4Ps of the marketing mix that was centered on products.
Below is a description of the four elements of the 4C's:
1. Consumer: A consumer is the key aspect of any marketing campaign. In the 4C’s, it is suggested that companies should focus on the needs, interests, and preferences of the consumer to produce a product that will satisfy their demand.
2. Cost: Cost is the factor that enables a company to establish prices for their products that are within the customer’s budget range. A company can achieve a competitive advantage by offering their customers better value for their money.
3. Convenience: Convenience focuses on the delivery of goods and services in a timely and efficient manner.
4. Communication: Communication is the process of sharing information, ideas, and messages between different parties. Good communication involves building a relationship with customers that extends beyond the point of sale.
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