Options :
A.) portfolio should be rebalanced to include a percentage allocation to fixed income securities because of the customer's age
B.) customer is unable to take advantage of the compounding effect of reinvesting dividends
C.) customer increases his tax liability by spending the dividends rather than reinvesting them
D.) customer needs to change his spending habits
Answer: B.) customer is unable to take advantage of the compounding effect of reinvesting dividends
Explanation: Investments have become a me a hugely important way of ensuring financial growth whereby individuals put hase stocks or shares in other to earn dividends. This investments has the capability of witnessing a very growth after the initial stock purchase whereby Dividend earned are accrued and reinvested thereby increasing the individual's investment capital and multiplying returns. In the scenario above, Dividend multiplication due to the compounding effect of the interest rate because the investor is unable to reinvest her Dividend and hence lose the huge benefit associated with compounding effect of Dividend Reinvestment in other to cater for her luxurious life style.
Assume that you plan to buy a share of XYZ stock today and to hold it for 2 years. Your expectations are that you will not receive a dividend at the end of Year 1, but you will receive a dividend of $9.25 at the end of Year 2. In addition, you expect to sell the stock for $150 at the end of Year 2. If your expected rate of return is 16 percent, how much should you be willing to pay for this stock today?
Answer:
Price to be paid today = $118.35
Explanation:
The price of a share can be calculated using the dividend valuation model
According to this model the value of share is equal to the sum of the present values of its future cash dividends discounted at the required rate of return.
The model can applied as follows:
PV of dividend = D×(1+r) ^(-n)
D- dividend , r - required rate , n- number of year
D- 9.25, r - 16%, n = 2
PV of dividend = 9.25 × (1.16)^(-2)= 6.9
PV of disposal value
PV of dividend = F × (1+r) ^(-n)
D- disposal value , r - required rate , n- number of year
PV of disposal value = 150 × (1.16)^(-2)= 111.47
Price to be paid today
Total present value = 6.9 + 111.47 = 118.35
Price to be paid today = $118.35
When presenting solutions, Chris (a salesperson)often has to handle buyer resistance. Chris should think of buyer resistance as a(n)___________ event.
A) Negative
B) Unimportant
C) Positive
D) A buyer initiated challenge (BIC)
E) Show stopper
Answer:
C) Positive
Explanation:
Although in the question it is stated that Chris, who is a salesman, manages the buyer resistance while presenting the solutions, the Chris also thinks that buyer resistance is a positive event
Thus, in the provided scenario, option c is right, as it does not satisfy all other options available
So the right option is c.postive
The introduction of automatic elevator equipment allowed firms to handle the movement of people in a multistory building at less cost, thus decreasing the demand for elevator operators. The best explanation for this change is that the Multiple Choice marginal product of elevator operators was equal to its price. marginal product of automatic elevator equipment was equal to its price. marginal product of automatic elevator equipment divided by its price was greater than that for elevator operators. marginal product of elevator operators divided by its price was greater than that for automatic elevator equipment.
Answer:
The marginal product of automatic elevator equipment divided by its price was greater than that for elevator operators
Explanation:
Since in the question, it is mentioned that the automatic elevator introduction permit the firms to handle the movement of the people at least cost also it declines the demand for the operators of the elevator
This represents that the marginal product of elevator equipment would be divided by price and also it is more than for operators who are dealing in elevators
George wanted a home in the St. Paul area. He was willing to pay premium price for it even though there were other homes in other areas that were better values. When George was asked why he was willing to pay so much, he told the sales associate that he worked in that area and that he wanted his children to attend school in a specific school district. George's willingness to pay top dollar for a home in St. Paul is because of which characteristic of value?
Answer:
George's willingness to pay top dollar for a home in St. Paul is because of the following characteristics of Value:
"Values are a set of choices with the ability to be fluid such that may be ranked depending on the current situation."
Explanation:
In the question above, George prioritised familiarity with and emotional attachment to the St. Paul area given that he had worked there before and was convinced about the value he'd get from a school in that area.
Notice that he could have put a premium of security, access to social amenities and a host of other factors. However, those factors are not key in the ranking of values which informed George's choice.
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Which of the following is the best way to help build your self-esteem?
OA. Adapt.
B. Be critical.
C. Speak clearly
D. Know your abilities.
Answer:
The correct answer is D. Know your abilities.
Explanation
Self-esteem is the feeling that makes people worry about themselves and arouses the feeling of self-preservation; this is related to the way we value ourselves and we feel confident about our abilities, personality, and attributes. Due to this, one of the first steps to build or improve self-esteem is to know yourself and appreciate positive aspects such as attributes, strengths, talents, abilities, etc. Also, it is important to recognize negative aspects but to avoid focusing on these. As a result, you can understand your own value and appreciate or love yourself for this. So, the correct answer is A. Know your abilities.
Answer:
D
Explanation:
To know your abilities so you will know what you can do
michelle works in retail and cant decide what products to include i the stores front window display what is the first step she should take to solve this problem
The available options are:
A. List the options.
B. Evaluate the decision/choice.
C. State the problem.
D. Determine the pros and cons.
Answer:
State the problem.
Explanation:
In a situation like this, it is expected that the first step to take to solve the problem is that Michelle should understand the reason, she wants to put the product on the window display. This includes knowing what she will benefit by placing the product on the window display and which product she wants to display. This process which is the first step in the problem-solving technique is known as STATE THE PROBLEM.
Hence, the right answer is State the Problem.
Those who make dispositional attributions regarding poverty and unemployment tend to adopt political positions that:________
a. offer more direct support to the poor.
b. are unsympathetic to the poor.
c. tend to blame the poor for their problems.
d. are more neutral regarding poverty and unemployment.
Answer:
a. offer more direct support to the poor.
Explanation:
Frank wants to add contact information for his references to his resume what should he obtained before including this contact information
A.Training certificates
B. Each person’s approval
C. Experience letter
D. Membership certificates.
Answer: B
Explanation: You should always contact someone before you list them as a reference to confirm that they are comfortable giving you a good recommendation if the potential employer contacts them, and also to confirm that you are listing the correct contact information on your resume.
function of the money.
Answer:
The function of money is that it allows us to buy things and exchange it for things we want.
A fishery with populations well below historic levels that has reduced reproductive capacity is called ___________.
Land and other real estate held as investments by endowments in a government's permanent fund should be reported at
Complete Question:
Land and other real estate held as investments by endowments in a government’s permanent fund should be reported at
Group of answer choices
A. Historical cost.
B. Fair value less costs of disposal.
C. Fair value.
D. The lower of cost and net realizable value.
Answer:
C. Fair value.
Explanation:
Land and other real estate held as investments by endowments in a government's permanent fund should be reported at fair value of the reporting date except for the exception of life insurance contract, external investment pool, money market investment etc.
The fair value can be defined as the actual or real value of an asset, security, product or item in financial accounting.
Andrea hired Jack to be the sales agent for her paintings. However, in a month's time, she terminated the agency with Jack. Harold, a customer who had dealt with Jack earlier, was not aware of the termination. Harold approached Jack to buy a painting and wrote him a check of $5,000, the advance payment for the painting which Jack promised would be delivered in two weeks. When Jack did not contact Harold later, Harold demanded that Andrea honor the contract, since Jack sold the picture as her agent. Which of the following is true of this situation?
A. Since Jack had apparent authority, Andrea is liable to honor his contract with Harold.
B. Harold's duty was to contact Andrea. His failure to do this removes her liability to honor the contract.
C. Jack had express authority as Andrea's agent, which is not terminated with the termination of their agency.
D. As Andrea terminated the agency with Jack in violation of his rights, Jack has the direct authority to sell her paintings.
Answer:
A. Since Jack had apparent authority, Andrea is liable to honor his contract with Harold.
Explanation:
The Contract defines that when two or more persons bound for a purpose legally.
Contract = Agreement + enforceble
Here as per the given situation Andrea hired Jack as the sales representative for her portraits. She suspended the organisation with Jack though, in a month's time.
Harold, a client who had previously worked with Jack, was not informed of the closure. Harold contacted Jack to purchase a painting, and gave him a $5,000 check, the painting advance payment that Jack agreed would be shipped in two weeks.
As Jack later failed to reach Harold, Harold requested that Andrea uphold the deal, as Jack sold the picture as her agent
Andrea is liable to uphold his deal with Harold, as Jack had obvious authority.
All the following statements concerning variable life insurance are correct EXCEPT: Group of answer choices The policyowner can invest the cash value in different investment accounts. The premium is level and guaranteed not to increase. The death benefit can vary with the policy's investment experience. Cash surrender values are guaranteed.
Answer:
D. Cash surrender values are guaranteed.
Explanation:
Variable Life Insurance is an insurance policy that requires a specific amount of the premium paid by the insurance holder to be dedicated to the investment funds and assets of the company offering the insurance policy. It is important to know that
1. there is a cash value account that can be invested in different subaccounts in this type of policy.
2. The premium level is fixed and the policyholder is expected to pay it on a regular basis. He can be assured that the premium level will not increase.
3. A death benefit is also guaranteed to be paid to a beneficiary chosen by the policyholder, but the amount to be paid as the death benefit depends on how good or bad the policy's investment performed.
But then it is important to note that the cash surrender values are not guaranteed because there is a risk factor. They can fluctuate depending on whether the policy performed poorly or excellently.
Kela Corporation reports net income of $450,000 that includes depreciation expense of $70,000. Also, cash of $50,000 was borrowed on a 5-year note payable. Based on this data, total cash inflows from operating activities are:
Answer:
$520,000
Explanation:
Kela corporation reports a net income of $450,000
The depreciation is $70,000
A cash of $50,000 was borrowed on a 5-year note payable
Therefore, the total cash inflows from operating activities can be calculated as follows
= Net income+depreciation
= $450,000+$70,000
= $520,000
Hence the total cash inflow from operating activities is $520,000
The seller told the listing broker that the seller's loan was assumable. Upon reviewing the seller's loan documents the listing broker found the mortgage was not assumable and the seller would have to pay off the mortgage upon sale. What clause did the listing broker discover upon reading the mortgage document
Answer:
Due on sale clause
Explanation:
A due on sale clause is the clause in which there is a promissory note or a loan that specified that the full balance could be called up at the time of sale or ownership transfer in order to protect the note
Therefore in the given situation, since it is mentioned that the seller has to pay the amount at the time of sale
So this represents the due on sale clause
The span of control for a manager: a. should never exceed 7 subordinates. b. varies somewhat from manager to manager, but most managers operate best with a span of control of about 9 employees. c. depends on a number of factors, and can vary from one manager, location and type of employees. d. is no longer a relevant issue in this day of computerized offices .
Answer:
c. depends on a number of factors, and can vary from one manager, location and type of employees.
Explanation:
A manager can be defined as an individual who is saddled with the responsibility of supervising and ensuring his subordinates (employees) are working effectively and efficiently with the organization's goals and objectives.
In Business management or human resource management, span of control can be defined as the number of subordinates or junior level staffs who are directly controlled by a superior (manager).
Basically, the span of control for a manager depends on a number of factors, and can vary from one manager, location and type of employees.
This ultimately implies that, span of control is directly proportional to the organizational structure and any other factor around them.
Which term describes a category of attacks that generally are conducted over short periods of time (lasting at most a few months), involve a smaller number of individuals, have little financial backing, and are accomplished by insiders or outsiders who do not seek collusion with insiders?
Complete Question:
Which term describes a category of attacks that generally are conducted over short periods of time (lasting at most a few months), involve a smaller number of individuals, have little financial backing, and are accomplished by insiders or outsiders who do not seek collusion with insiders?
Group of answer choices.
A. Critical infrastructure category
B. Unstructured threat category
C. Highly structured threat category
D. Structured threat category
Answer:
B. Unstructured threat category.
Explanation:
An unstructured threat category is a term which describes a category of attacks that generally are conducted over short periods of time (lasting at most a few months), involve a smaller number of individuals, have little financial backing, and are accomplished by insiders or outsiders who do not seek collusion with insiders.
If an advertisement is affiliated with a website's content, what might that suggest?
A. that the information you find is biased
B. that the advertisements were free
C. that the advertisements financially support the site
D. that the information you find will be entirely untrue
I'm confused between some answers can someone clarify.
Answer:
It suggests that the advertisement financially supports the website ( C )
Explanation:
Affiliation is the official attachment of businesses with common interest wherein one party controls or is in-charge of the business relationship between the parties. in some cases a third party might be in control as well.
The information found on an advertisement that is affiliated with a website content shows that the advert and the website are in business together hence the advert supports the website financially, because the details contained in the advert might be drawn from the contents of the websites.
For February, sales revenue is $900,000, sales commissions are 5% of sales, the sales manager's salary is $96,000, advertising expenses are $80,000, shipping expenses total 2% of sales, and miscellaneous selling expenses are $2,100 plus 1/2 of 1% of sales. Total selling expenses for the month of February are
Answer:
$245,600
Explanation:
The computation of Total selling expenses is shown below:-
Particulars Calculation Amount
Sales Commissions ($900,000 × 5%) $45,000
Salary expenses $96,000
Advertising expenses $80,000
Shipping expenses ($900,000 × 2%) $18,000
Miscellaneous selling
expenses ($2,100 + 1 ÷ 2 × $6,600
($900,000 × 1%)
Total Sales expenses $245,600
We simply added all the items
A company sells DVD players for $200 per unit. The players have a unit variable cost of $160. The company estimates that it will sell one home entertainment system for every four DVD players sold. Home entertainment systems have a unit variable cost of $460 and sell for $600 per unit. The company's fixed costs are $90,000. Assuming that the sales mix estimate is correct, how many DVD players need to be sold for the company to break even?
Answer:
Break-even point= 1,200 DVDs
Explanation:
First, we need to calculate the sales proportion:
DVD= 4/5= 0.8
Home entertainment= 1/5= 0.2
Now, we need to calculate the break-even point for the whole company:
Break-even point (units)= Total fixed costs / Weighted average contribution margin
Weighted average contribution margin= (weighted average selling price - weighted average unitary variable cost)
Weighted average contribution margin= (200*0.8 + 600*0.2) - (160*0.8 + 460*0.2)
Weighted average contribution margin= 60
Break-even point (units)= 90,000/60= 1,500
Finally, the number of DVDs:
DVD= 1,500*0.8= 1,200 DVDs
DVD players need to be sold for the company to break even point :
Formula :
Break-even point (units)= Total fixed costs / Weighted average contribution marginBreak-even point (units)= 90,000/60Break-even point (units)= 1,500
Therefore, the number of DVDs:
DVDs= Break-Even Point-Sales Proportion DVD= 1,500*0.8DVD= 1,200 DVDsWorking Notes :
Sales Proportion:DVD= 4/5= 0.8
Home entertainment= 1/5= 0.2
Weighted average contribution margin= (weighted average selling price - weighted average unitary variable cost)Weighted average contribution margin= (200*0.8 + 600*0.2) - (160*0.8 + 460*0.2) Weighted average contribution margin= 60
DVD players need to be sold for the company to break even is 1200DVDs.
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In performing accounting services for small businesses, you encounter the following situations pertaining to cash sales. 1 Blossom Company enters sales and sales taxes separately on its cash register. On April 10, the register totals are sales $22,500 and sales taxes $1,125. 2. Oriole Company does not segregate sales and sales taxes. Its register total for April 15 is $14,310, which includes a 6% sales tax.
Prepare the entry to record the sales transactions and related taxes for Blossom Company. (Credit account titles are automatically indented when amount is entered. Do not indent manually.)
Answer and Explanation:
The Journal entry is shown below:-
a. Cash Dr, $23,625
To Sales Revenue $22,500
To Sales Tax payable $1,125
(Being cash is recorded)
Here we debited the cash as it increased the assets and we credited the sales revenue and sales tax payable as it increased the revenue and liabilities
b. Cash Dr, $14,310
To Sales Revenue $13,500
To Sales Tax payable $810 ($14,310 ÷ 106 × 6)
(Being cash is recorded)
Here we debited the cash as it increased the assets and we credited the sales revenue and sales tax payable as it increased the revenue and liabilities
Margarita, age 30, used to work 80 hours a week as a corporate lawyer. this year she quit her job to take care of her five-month-old daughter. she is currently not looking for a job. the survey conducted by the bureau of labor statistics will count margarita today as choose one:
a. not in the labor force.
b. not in the working-age population.
c. a discouraged worker.
d. employed.
e. unemployed.
Answer: a) Not in the labor force
Explanation:
The category of people not in the labour force are those who either have no interest in working for someone, have retired, or has resigned(with no intentions to work for anyone). This category of persons have no interest in taking up job positions as they want to either rest, face another aspect of their life or can't work again due to their age. Margarita is in the category of those not in the labour force as she looks towards taking care of her daughter and won't be in for any job at the moment.
Which transaction or event required the journal entry: debit Interest expense for $250 and credit Interest payable for $250
Answer:
Loan or loan note with a specific interest rate
Explanation:
When the firm has taken a loan from the bank or issued loan notes which have the specific interest rate or coupon rate respectively paid in arrears. The interest expense will accrue each year with the entry by debiting the interest expense and crediting the interest payable and when the interest will be paid the entry will be credit cash and debit interest payable.
"If a customer calls his registered representative and states the following: "I just got my account statement and I see that your recommendations have lost 15% in value. Clearly, you have made unsuitable recommendations and you will be hearing from my attorney." Which statement is TRUE under FINRA rules regarding how the representative should handle this?"
Answer:
The representative does not need to take any actions
Explanation:
The representative should not take any actions yet because the customer has not made his complaints in writing. Under FINRA, a customer's complaint is defined as one received by the company in writing through mail(hand written)or electronic mail(email). The financial regulatory authority abbreviated FINRA is a self regulatory organization and non governmental organization in the US that makes and enforces rules and best practices that govern brokerage/security/broker-dealer firms and safeguard the public against fraud and malpractices that might emanate from such firms.
A diversified company has a parenting advantage when it Multiple Choice results in supporting short-term economic shareholder value. avoids acquiring undervalued companies and thus reduces risks. is more able than other companies to create positive collaboration within its portfolio for different specialty groups and geographic locations. is more able than other companies to boost the combined performance of its individual businesses through its high-level guidance, general oversight, and other corporate-level contributions. manages a set of fundamentally similar business operations inside fundamentally similar industries and environments.
Answer: is more able than other companies to boost the combined performance of its individual businesses through its high-level guidance, general oversight, and other corporate-level contributions
Explanation: The parenting advantage is simply held by that company or organization who thrives more than it's competitors using strategic implementation and adding value to its individual operations in other to facilitate the performance of the company's businesses. Being able to outperform competitiors require high-level guidance and corporate strategy which involves the implementation of a well-defined blueprint designed through high level expertise capable aiding performance and value.
One identical unit is purchased on each of the following three dates and at the respective costs: June 1 at $10 June 2 at $15 July 4 at $20 The company sells two units during the period. Conclude which inventory items are sold first and which unit remains in ending inventory if the company is using the FIFO cost flow assumption.A. The June 1 at 10 is sold; the June 2 at $15 and July 4 at $20 remain in ending inventory.B. The June 1 at 10 and the June 2 at $15 are both sold; the July 4 unit remains in ending inventory.C. The June 2 at $15 and the July 4 at $20 are both sold; the June 1 at $10 remains in ending inventory.
Answer:
B. The June 1 at 10 and the June 2 at $15 are both sold; the July 4 unit remains in ending inventory.
Explanation:
FIFO means first in, first out. It means that it is the first purchased inventory that is the first to be sold
2 units were sold. the June 1 and June 2 units would be the items sold because they were the first to be purchased according to the dates.
the ending inventory would be the the July 4 unit
Tasty Pasta in an American fast food restaurant chain with locations in 20 countries. When the company enters a new foreign market, it usually selects a combination of franchising and master subsidiaries. These master subsidiaries are joint ventures with local partners because of the advantages joint ventures bring to Tasty Pasta. Specifically, joint ventures are politically more acceptable and they:_________.A) Help realize location and experience curve economies
B) Avoid high transport costs
C) Ensure a steady stream of loyalty payments .
D) Tend to provide a higher control over technology.
E) Bring a degree of local knowledge to the subsidiary.
Answer: Bring a degree of local knowledge to the subsidiary.
Explanation:
Joint Venture is a form of business organization whereby two or more parties come together and use the skills and resources that they both have to achieve a common goal.
Based on the scenario in the question, Joint ventures are politically more acceptable and they also bring a degree of local knowledge to the subsidiary.
In the second case study, why did the court MOST likely feel that the agent's limited dealings with the buyer did not constitute the creation of an agency? A) The agent never spoke directly with the buyer. B) Dual agency is illegal. C) The buyer and agent did not complete an agency agreement, either oral or written. D) The buyer did not like the agent from the very beginning.
Answer:
C) The buyer and agent did not complete an agency agreement, either oral or written.
Explanation:
Agency agreement, which is a binding contract between an agent and another person, (most likely a buyer) is an important document which helps to establish the relationship between both and the agency which renders the help. Since, there was no agreement whether oral or written, their dealings do not constitute the creation of an agency.
In increasingly fast-paced markets, price and technology are not enough. ________ is the factor that will often give a company its competitive edge and is defined as the totality of features that affect how a product looks, feels, and functions in terms of customer requirements
Answer:
Design
Explanation:
Product design involves development of of ideas that will lead to new or different areas products.
Design of a product gives it a unique looks, feels, and functions in terms of customer requirements.
This provides a competitive advantage to the seller by differentiating this product from others in the market.
For example customers that purchase Sony televisions enjoy a unique quality that is associated with Sony televisions. They prefer to buy this product because of these unique traits
Part 1 Using the refusal skills sequence, complete the case scenario by indicating how you would refuse to be involved in the situation. Include all eight steps of the refusal sequence, and use the format indicated below for each step. (List the step then the action) Example: 1. What are they asking me to do and why? They are asking me to participate in an activity that is illegal and against my personal values. (Double space after each answer.) Case Study Number ____________ 1. What are they asking me to do and why? 2. Label what they are asking you to do (i.e. illegal, dangerous, etc.). 3. Determine the consequences if you get caught or if you participate in this activity. 4. Communicate my refusal. 5. Say no. 6. Use "I" statements. 7. Suggest an alternative. 8. Leave the scene and avoid questionable places.
Incomplete question.
Full Question and Explanation:
1. What are they asking me to do and why?
They are asking me to do things both illegal and sexual that I do not believe in doing.
2. Label what they are asking you to do (i.e. illegal, dangerous, etc.).
It is Illegal, sexual, and dangerous
3. Determine the consequences if you get caught or if you participate in this activity.
I could get infected with a disease or even get arrested by law enforcement agents.
4. Communicate my refusal.
I do not do such things and I will not follow others in their wrongful course.
5. Say no.
No matter what you say, I say no!
6. Use "I" statements.
I feel that you do not consider my feelings when you try to force me because I don't want to do these things.
7. Suggest an alternative.
No, lets go and watch a movie at the movie theater.
8. Leave the scene and avoid questionable places.
My mom must be waiting for me by now, I'll have to go home.
