Answer:D:(A cooperative lending institution for a particular group.)
Explanation:
A credit union is different from a bank mainly because it is owned and controlled by its members, who are typically individuals with a common bond, such as belonging to a specific community or organization.
In the context of a credit union, a common bond refers to a shared characteristic or affiliation among its members, such as living in the same community, working for the same employer, or belonging to a specific organization.
This common bond serves as the basis for membership eligibility and participation in the credit union. It fosters a sense of community and cooperation among members, who collectively own and control the credit union.
The common bond principle promotes a more personalized and community-oriented approach to financial services, catering to the specific needs and interests of the members it serves.
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Making decisions about how Threadless should allocate its resources to both current and future product innovations is a process known as:_______
a. long-term financing.
b. financial planning.
c. financial management.
d. short-term financing.
e. budgeting.
Answer:
c. financial management.
Explanation:
financial management can be regarded as carrying out activities such as organizing, controlling as well as planning of financial resources in order to achieve the goals of the organization. It involves the well utilization of funds in a particular Enterprise. It should be noted that Making decisions about how Threadless should allocate its resources to both current and future product innovations is a process known as financial management.
Making decisions about how Threadless should allocate its resources to both current and future product innovations is a process known as Financial management.
Financial management can be defined as the strategic planning, organising, directing, and controlling of financial resources in an organisation.
Financial management can be applied in making the following decisions in an organization:
Investment decisionDividend decisionFinancing decisionIt also involves applying the principles of management to the financial assets or allocation of resources in an organization.
Therefore, Financial management is the decision used to allocate resources to both current and future product innovations in a company.
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The amount of cash that remains after deducting the funds a company must commit to continue operating at its planned level is called:
Answer:
free cash flows
Explanation:
In order to calculate a company's free cash flow, we can use the following formula:
free cash flow = net income + non-cash expenses (depreciation and amortization) - increase in net working capital - capital expenditures (investing activities)
free cash flows differ from net income, but they are generally more relevant for financial analysis since cash is king an no company can survive without cash even if its profits are huge.
Select the qualification that is best demonstrated in each example.
Vera is a High School Principal who sets a goal that more than half of the students from her high school will go on to
college in four years
Cedric is a Preschool Education Administrator who stays calm and patient even when dealing with parents who are
angry with one of the teachers in his school.
Jessie is a School District Administrator who manages the budget for a school district and decides how money will b
spent.
Kelly is a Middle School Principal who analyzes information about class sizes to decide how many teachers the
school will need the next year.
Intro
Done
Answer 1. Long term2.stress3.fiancé4.critical
Explanation:
Answer:
Vera is a High School Principal who sets a goal that more than half of the students from her high school will go on to college in four years
✔ long-term planning skills
Cedric is a Preschool Education Administrator who stays calm and patient even when dealing with parents who are angry with one of the teachers in his school.
✔ stress-management skills
Jessie is a School District Administrator who manages the budget for a school district and decides how money will be spent.
✔ finance skills
Kelly is a Middle School Principal who analyzes information about class sizes to decide how many teachers the school will need the next year.
✔ critical thinking skills
Explanation:
What is the standard deviation of a stock that has a 10% chance of earning 18%, a 10% chance of making 11%, a 40% chance of making 5%, and a 40% chance of making 22%?
A. 7.95%.
B. 13.70%.
C. 7.78%.
D. 13.05%.
Answer:
A. 7.95%.
Explanation:
Calculate the expected rate of return for the investment as follows:
[tex]\begin{aligned}
\text { Expected rate of return } &=(\text { Probability } \times \text { Rate of return })+(\text { Probability } \times \text { Rate of return })+\\
&(\text { Probability } \times \text { Rate of retum }) \\
=&(0.40 \times 15 \%)+(0.50 \times 10 \%)+(0.10 \times-3 \%) \\
=& 0.06+0.05-0.003 \\
=& 0.107[/tex]
Calculate the standard deviation of the investment as follows:
[tex]\begin{aligned}
\text { Standard deviation }=&\left\{\begin{array}{l}
\text { Probability } \left.\times(\text { Return }-\text { Expected return })^{2}\right)+ \\
\text { (Probability } \left.\times(\text { Return }-\text { Expected return })^{2}\right)+ \\
\text { (Probability } \left.\times(\text { Return }-\text { Expected return })^{2}\right)
\end{array}\right.[/tex]
=[tex]\sqrt{\left(0.40 \times(0.15-0.107)^{2}\right)+\left(0.50 \times(0.10-0.107)^{2}\right)+} \\
=\sqrt{0.0007396+0.0000245+0.0018769} \\
=\sqrt{0.002641} \\
=0.05139066063011[/tex]
The charter of a corporation provides for the issuance of 115,873 shares of common stock. Assume that 37,721 shares were originally issued and 3,277 were subsequently reacquired. What is the amount of cash dividends to be paid if a $2 per share dividend is declared?
Answer:
$68,888
Explanation:
The Dividend are paid base on outstanding shares
Dividend paid = (37,721 - 3,277 shares) * $2
Dividend paid = 34,444 shares * $2
Dividend paid = $68,888
So, the amount of cash dividends to be paid is $68,888
You own a shoe store with a merchandise book value of $178,000. You conduct a physical inventory and find the value to be $169,000. Your total sales between inventories totaled $476,000. Calculate the shrinkage as a percentage of sales.
Answer:
1.89%
Explanation:
The book value of the merchandise is $178,000
Physical inventory reveals stock is worth $169,000
The shrinkage = $178,000 - $169,000
=$9000
As a percentage of sales, the shrinkage will be
=$9000/$476,000 x 100
=0.0189076 x 100
=1.89%
Answer:
1.9%
Explanation:
Marin Company's accounts receivable arising from sales to customers amounted to $131000 and $114000 at the beginning and end of the year, respectively. Income reported on the income statement for the year was $498000. Exclusive of the effect of other adjustments, the cash flows from operating activities to be reported on the statement of cash flows is
Answer:
$481,000
Explanation:
To determine the cash flows from operating activities, the net Income for the year must be adjusted by non - cash items and changes in working capital items.
Therefore, given a decrease in Accounts Receivable $17,000 ($131000 - $114000) . Then the cash flows from operating activities to be reported on the statement of cash flows is $481,000 ($498000 - $17,000) .
The shape of a normal Treasury yield curve can be characterized as: (a) inverted throughout the maturity spectrum; (b) inverted over a portion of the maturity spectrum, such as between 2 and 7 years; (c) monotonically upward sloping; (d) unaffected by the relative supply and demand for Treasury securities.
Answer:
(c) monotonically upward sloping
Explanation:
The shape of a normal Treasury yield curve can be characterized as monotonically upward sloping curve. This is because a normal treasury yield curve have lower yields for short term, but gradually increases as the maturity period of the bonds increases. Thus, giving the yield curve an upward sloping shape.
A company reports basic earnings per share of $3.50, cash dividends per share of $1.25, and a market price per share of $64.75. The company's dividend yield equals:
a. 1.93%
b. 2.14%
c. 4.67%
Answer:
$1.93
Explanation:
The earnings per share is $3.50
Cash dividend per share is $1.25
Market price per share is $64.75
Therefore the company's dividend yield can be calculated as follows
= 1.25/64.75
= 0.0193 × 100
= $1.93
Hence the company's dividend yield is $1.93
When long-term interest rates are higher than short-term rates, as they were in 2010, it:_________.
a. implies that inflation will fall.
b. has no implication for short-term interest rates.
c. implies that short-term interest rates are expected to rise.
d. implies that short-term interest rates are expected to fall.
Answer: c. implies that short-term interest rates are expected to rise.
Explanation:
If long term rates are higher than short term rates, people will expect short term rates to rise so that they may eventually reach the long term rates as time goes on.
This expectation will lead to a rise in short term rates as people take actions that will try to capitalize on the rates rising.
Ann Chovies, owner of the Perfect Pasta Pizza Parlor, uses 20 pounds of pepperoni each day in preparing pizzas. Order costs for pepperoni are $10.00 per order, and carrying costs are 4 cents per pound per day. Lead time for each order is three days, and the pepperoni itself costs $3.00 per pound.
1. At what point should she re-order pepperoni?
a. 80 pounds remaining.
b. 40 pounds remaining.
c. 60 pounds.
d. 20 pounds.
e. 100 pounds.
2. If she were to order 80 pounds of pepperoni at a time, what would be the length of an order cycle?
a. 4 days.
b. 5 days.
c. 3 days.
d. 0 days.
e. .25 days.
3. If she were to order 80 pounds of pepperoni at a time, what would be the average inventory level?
a. 60 pounds.
b. 20 pounds.
c. 100 pounds.
d. 40 pounds.
e. 80 pounds.
4. If she were to order 80 pounds of pepperoni at a time, what would be the total daily costs, including the cost of the pepperoni?
a. $60.00.
b. $64.10.
c. $64.00.
d. $65.00.
e. $63.20.
5. What is the economic order quantity for pepperoni?
a. 40 pounds.
b. 80 pounds.
c. 100 pounds.
d. 20 pounds.
e. 60 pounds.
Answer and Explanation:
The computation is shown below;
1. Reorder point is
= Daily demand × lead ime
= 20 × 3 days
= 60 pounds
2. The length of the order cycle is
= Order quantity ÷ demand rate
= 80 ÷ 20 pounds
= 4 days
3. The average inventory level is
= Order quantity ÷ 2
= 80 ÷ 2
= 40 pounds
4. The total daily cost is
the cost of the pepperoni = daily demand × cost per pound
= 20 × 3 pound
= 60
Daily ordering cost is
= daily demand ÷ ordering quantity × ordering cost
= 20 ÷ 80 × $10
= $2.50
And, the daily holding cost is
= ordering cost ÷ 2 × holding cost
= 80 ÷ 2 × 0.04
= $1.60
Now the total daily cost is
= $60 + $2.50 + $1.60
= $64.10
5. The economic order quantity is
= (√2 × annual demand × ordering cost ÷ carrying cost)
= √2 × 20 × 10 ÷ 0.04
= √10,000
= 100
If a person buys goods from a minor, he/she holds only voidable title to
those goods. *
True
False
Answer:
True
Explanation:
Blaylock plans to sell 85,000 units of product no. 794 in May, and each of these units requires three units of raw material. Pertinent data follow. Product No. 794 Raw Material Actual May 1 inventory 11,000 units 29,000 units Desired May 31 inventory 17,000 units 20,000 units On the basis of the information presented, how many units of raw material should Blaylock purchase for use in May production
Answer:
Purchases= 264,000 units
Explanation:
Giving the following information:
Product N°794:
Sales= 85,000 units
Beginning inventory= 11,000
Ending inventory= 17,000
Raw materials:
Standard raw material per unit= 3 units
Beginning inventory= 29,000 units
Ending inventory= 20,000 units
First, we need to calculate the total production for May:
Production= sales + desired ending inventory - beginning inventory
Production= 85,000 + 17,000 - 11,000
Production= 91,000 units
Now, purchases of raw material for May:
Purchases= production + desired ending inventory - beginning inventory
Purchases= 91,000*3 + 20,000 - 29,000
Purchases= 264,000 units
If a bank has $120,000 of checkable deposits, a required reserve ratio of 20 percent, and it holds $40,000 in reserves, then the maximum deposit outflow it can sustain without altering its balance sheet is
Answer:Maximum deposit outflow sustainable without altering its balance sheet is $20,000
Explanation:
Given
Check able deposits =$120,000
Required reserve ratio= 20 percent
Reserve=$40,000
Maximum deposit outflow sustainable = (Reserve - percentage of checKable deposits)/ 1- required reserve ratio
(40,000 - 0.2 x 120,000) / 1-0.2
(40,000-24,000) / 0.8
16,000/0.8
=$20,000
When a business owner uses an independent contractor to perform nonhazardous work, the business owner ordinarily is:_____.
a. not liable for harm to third persons or their property.
b. not bound to contracts made by the independent contractor.
c. not liable for the negligence of employees of the independent contractor.
d. not liable for the negligence of the independent contractor.
e. all of these.
Answer:
e. all of these.
Explanation:
In the case when the business owner hired an independent contractor so he would not be responsible for the actions and the results of the independent contractor negligence or his contracts
Therefore as per the given options, the option d is to be chosen as it is not bound and not liable at all
hence, the correct option is e.
_____ is the rate that causes the present value of all cash flows from a property (including its resale value) to be equal to the original purchase price of the property.
a) IRR
b) NPV
c) TWR
d) TVM
Answer:
a) IRR
Explanation:
The internal rate of return is the rate of return at which the net present value is zero
The net present value means the difference between the present value of all cash inflows after discounted and the initial investment
Therefore when the above two things are equivalent to each other so this we called as internal rate of return (IRR)
hence, the correct option is a.
Why do people donate to charitable organizations? Check all that apply.
•to do what is right
•to support a cause
•to develop their skills
•to earn college credit
•to spend time with friends
The act of helping others, donating to volunteering, or charity your time, will give you an improved feeling of well-being. The correct option is 'B' and 'C'.
What is Charitable Organizations?
The understanding that you've sacrificed time and/or money to help others create or need approving the change in the world is a stunning thing.
Your monetary donations can belong to causalities that promote more useful health, fund medical investigation, stock food stakes, or sponsorship organizations that fight poverty.
Investing in charities is like creating an investment towards a more useful destiny for your employees and your corporation
Therefore, The people donate to charitable organizations to help for a reason. The correct option is 'B' and 'C'.
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Answer:
A B C
Explanation:
Organizational politics may be reduced by Multiple Choice being more tolerant of employees who use political tactics to get what they want from the organization. conducting background checks on potential employees. cutting back resources available to organizational units. encouraging leaders to become role models of organizational citizenship. selecting employees with a high need for personalized power.
Answer:
encouraging leaders to become role models of organizational citizenship
Explanation:
Organizational politics is simply a deliberate or an intentional acts of influence to promote,protect or enhance the self-interests of individuals or groups of people.
It can be reduced by encouraging leaders to become role models of organizational citizenship instead of symbols of successful organizational politicians.
It usually had its emphasis based on self-interest that separates this form of social influence.
You do a search on your mobile phone for "clothing stores near me". Your top result is a search ad for a Banana Republic (clothing store) that is two blocks away. Your friend (standing next to you) does the same search but does not receive that ad. You are a frequent Banana Republic shopper and your friend is not. This ad targeting is an example of location-based targeting combined with:_____.A. temporal targetingB. behavioral targetingC. weather-based targetingD. targeting based on social contextE. each is correct
Answer:
B. behavioral targeting
Explanation:
According to the information in the question above, it can be said that this ad targeting is based on location combined with behavior.
Behavioral targeting is based on targeting your consumers based on past behaviors, that is, as you are a frequent consumer of Banana Republic, it is correct to state that you have had previous buying behavior, so the ad appeared for types of people like you and not to your friend, who despite his location, is not a frequent consumer of Banana Republic, so he didn’t receive the ad because he hadn’t previously behaved.
This ad targeting is an example of location-based targeting combined with behavioral targeting.
Behavioral targeting is simply known as a marketing method that often uses web user information to make advertising campaigns strong.It entails putting together web searches, purchase histories, frequently visited websites and other information to create a full user profile, showing what your customers wants, avoids and purchases.
It is marketing method that uses web user information.
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In 2020, Sunland Corporation incurred research and development costs as follows: Materials and equipment $116000 Personnel 136000 Indirect costs 176000 $428000 These costs relate to a product that will be marketed in 2021. It is estimated that these costs will be recouped by December 31, 2023. The equipment has no alternative future use. What is the amount of research and development costs that should be expensed in 2020
Answer:
$428,000
Explanation:
The amount of research and development costs that should be expensed in 2020 is as calculated below
The amount of research and development costs = Materials and equipment cost + Personnel cost + Indirect costs
The amount of research and development costs = $116,000 + $136,000 + $176,000
The amount of research and development costs = $428,000
thinking strategically about industry and competitive conditions in a given industry involves evaluating such considerations as
Answer:
E. how often sellers alter their prices, how sensitive buyers are to price differences among sellers, whether the item being purchased is a good or a service, and whether buyers buy frequently or infrequently.
Explanation:
Options are "A. cultural, lifestyle, and demographic changes, B. the birth of new industries, new knowledge, and disruptive technologies, C. weather, climate change, and water shortages, D. interest rates, exchange rates, unemployment rates, inflation rates, and economic growth, E. how often sellers alter their prices, how sensitive buyers are to price differences among sellers, whether the item being purchased is a good or a service, and whether buyers buy frequently or infrequently."
Thinking strategically about industry and competitive conditions in a given industry involves evaluating such considerations as how often sellers alter their prices, how sensitive buyers are to price differences among sellers, whether the item being purchased is a good or a service, and whether buyers buy frequently or infrequently.
The strategy decision making about the industry and competitive conditions involve evaluating the prices, buyer sensitivity to the prices, serviceability & frequency.
Discuss how construction of a portfolio can lower the risk of an investor.
Answer:
Simply put, the other meaning portfolio construction is diversification of risk. Portfolio construction is the one of simplest way of reducing risk without significantly affecting the returns.
Ways of diversifying risk includes Pension Funds, Mutual Fund, Equity, Stocks, Debt / Bonds, Retirement Saving, etc. If someone had made their investment in only one asset class, then there will be less returns available with high risk. while doing portfolio investment, it will give a systematic and controlled risky investment with higher return opportunities because some assets will perform well while other do poorly. but next year scenario could be changed or reversed. There are some thumb rules while doing portfolio investment, but it can be changed based on individual's personal goal.
On March 31, 2021, Top Notch Goods committed to a plan to sell machinery equipment. The machinery equipment was available for immediate sale, and an active plan to locate a buyer was initiated. The machinery equipment had been purchased on January 1, 2019, for $260,000. The machinery equipment had an estimated six-year service life and residual value of $20,000. The machinery equipment was being depreciated using the straight-line method. Top Notch Good's fiscal year ends on December 31.Calculate the equipment’s book value as of March 31, 2021By December 31, 2021, the machinery equipment has not been sold, but management expects that it will be sold in 2022 for $150,000. For what amount is the machinery equipment reported in the December 31, 2021, balance sheet?
Answer:
$150,000
Explanation:
This machine is to be classified as an asset held for sale. The assets held for sake are carried on the Statement of Financial Statement at the amount lower of Fair Market Value and the Carrying Amount.
Joe plans to fund his individual retirement account (IRA) with the maximum contribution of $2,500 at the end of each year for the next 30 years. If Joe can earn 10 percent on his contributions, how much will he have at the end of the thirtieth year?
a. $411,235
b. $611,235.
c. $23,567.
d. $43,567.
Answer:
FV= $411,235.06
Explanation:
Giving the following information:
Annual deposit= $2,500
Number of periods= 30 years
Interest rate= 10%
To calculate the future value, we need to use the following formula:
FV= {A*[(1+i)^n-1]}/i
A= annual deposit
FV= {2,500*[(1.1^30) - 1]} / 0.1
FV= $411,235.06
All the following statements about residual value guarantees are correct about residual value guarantees, except that they:
a. protects lessors against technological changes.
b. protects lessors against marketplace changes.
c. protect lessees against lessors who abuse leased assets.
d. protect lessors against lessees who abuse leased assets
Answer:
c. protect lessees against lessors who abuse leased assets.
Explanation:
The residual value guarantee may be defined as a guarantee that is made to the lessor where the value of an underlying asset will become at least some specified amount at the end of the lease. The guarantee is given by the party unrelated to a lessor.
The residual value guarantee provides to protect the lessor against the lessees who tries to abuse the leased assets. It does not protect the lessees against the lessors.
Which of the following is a correct statement about promoting energy conservation?
PLEASE HELP NOWWWW !
Answer:
we need to know what the options are
Explanation:
________________________ is revolutionizing how businesses operate factories or maintain equipment. Imagine an engine on an aircraft detecting an issue via sensors, self-diagnosing the issue, and sending a signal to both pilots and a command center to request a fix or even performing the fix on itself. Group of answer choices Internet of Things Business Process Modeling Tools Order Management Systems Enterprise Resource Planning Systems
Answer: Internet of Things.
Explanation:
Internet of Things relates to how physical objects are now being equipped with software, sensors and every other forms of technologies so that it will aid the sharing and communication of data with other devices over the internet.
Therefore, internet of things is revolutionizing how businesses operate factories or maintain equipment.
Peter crossed the street at a crosswalk without looking for oncoming traffic. He was struck first by a car driven by Abel and then by a car driven by Baker. Peter sued Abel and Baker for negligence. The jury determined that Peter was 60% at fault, Abel 30% and Baker 10%. The jury also determined that Peter suffered damages of $100,000. Abel is insolvent. In a contributory negligence jurisdiction, how much can Peter collect from Baker
Answer: Nothing
Explanation:
A contributory negligence state, simply states that in a situation whereby a plaintiff is negligent and thereby contributes to a particular accident, he or she will in this case be barred from recovering.
Since Peter crossed the street at a crosswalk without looking for oncoming traffic, Peter would collect nothing from Baker.
Your company, Cool Stuff Incorporated, makes air conditioners (AC) and fans. Each AC makes $25 profit per unit and each fan makes $15 profit per unit. Each AC needs 3 hours of assembly and 2 hours for painting. Each fan requires 2 hours of assembly and 1 hour of painting. Each week you have 240 hours of assembly and 140 hours of painting available. a. How many ACs and fans should you make to maximize profit
Answer:
In order to maximize our profit we make 40 AC's and 60 Fan's and the profit earned will be $1900.
Explanation:
This question is from Linear programming and will be solved using its methods.
Let
x = No of Air conditioner
y = No of fans
we need to maximize our profit
Z= 25x +15y
we have the constraints
3x+2y [tex]\leq[/tex] 240 ( For assembling AC and Fan)
2x + y [tex]\leq[/tex] 140 ( For painting AC and Fan)
x , y [tex]\geq[/tex] 0
We get an intersection at the point (40, 60)
Z = 25x + 15y
= 25*40 + 15*60
= 1000 + 900
Z= $1900
Therefore we need to make 40 AC's and 60 Fan's in order to maximize our profit. The profit from making 40 AC's and 60 Fan's will be $1900.
A firm has a capital structure with $14 in equity and $72 of debt. The cost of equity capital is 14.16% and the pretax cost of debt is 5.34%. If the marginal tax rate of the firm is 28.94% Compute the weighted average cost of capital of the firm.
Answer: 5.48%
Explanation:
Total capital = 14 + 72 = $86
Weight of equity = 14/86
Weight of debt = 72/86
WACC = (Weight of debt * Cost of debt * ( 1 - tax)) + (Weight of equity * cost of equity)
= (72/86 * 5.34% * (1 - 28.94%)) + (14/86 * 14.16%)
= 0.0317687776744186 + 0.02305116279
= 5.48%
