a bank lends money for a year at an interest rate of 7%, and the inflation rate for that year turns out to be 5%. what is the bank's real rate of return for that year?

Mike is not allowed to change the type of business entity to a partnership. It is because none as a sole proprietor can convert to another business form at the proprietor's will.

A partnership can be defined as a form of business where two or more people share ownership. In a partnership, the people who is involved in there have a responsibility for managing the company and the income or losses the business generates. There are some characteristics from partnership, such as:

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Assuming the pure expectations theory is correct, an upward-sloping yield curve implies interest rates are expected to increase in the future. An interest rate is the sum of the periodic interest payments.

Using the current long-term interest rates as a starting point, the hypothesis of wishes attempts to predict what the short-term interest rate will be in the future. According to the theory, a speculator today would earn the same amount of income by investing in two consecutive one-year bond speculations as opposed to one 2-year bond. Additionally known as the "theory of unequal expectations," the hypothesis.

According to the expectancies principle, the long-term interest rates are rising to the average of the short-term rates projected to prevail. According to the expectation theory, certain yield curves with an upward sloping cause an increase in short-term levels, and vice versa. Due to lower short-term rates than long-term rates, the yield graph is tilted  upward-sloping.

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Sonja's company receives $20.81 per unit with a retail margin of 40% and a wholesale margin of 15%

It is given that Sonja has set a retail margin of 40%, and a wholesale margin of 15%.

Retail Price = Wholesale price + Retail margin X Wholesale price

or, Retail Price = (1 + Retail margin) X Wholesale price

The retail price is given as $35.50.

Hence,

35.50 = (1 + 40/100) X Wholesale Price

Or, Wholesale Price = 35.50 X 100/140

or, wholesale price = $23.928

Similar to the above statements,

Wholesale price = Price charged by manufacturers + Wholesale margin X price charged by manufacturers

or, Wholesale price = (1 + Wholesale margin) X Price charged by manufacturers

Hence,

23.928 = (1 + 15/100) X Price charged by manufacturers

or, Price charged by manufacturers = 100 X 23.928/115

= $20.81

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Alpha testing is used by the company to assess whether the product will perform according to its design and whether it will meet the requirement for which it was designed.

Alpha testing is used by the company to assess whether the product will perform according to its design and whether it will meet the requirement for which it was designed. Alpha testers examine the inner workings of the technology, a process known as; white box testing. Participants in alpha tests are often engineers with the requisite skills to provide developers with technical comments and recommendations on how to fix what's broken.

Products often go through multiple phases of testing before being released to the general public. The alpha test phase is inextricably linked to proof of concept initiatives. The practice of distinguishing internal testing from customer-facing testing by using the first two letters of the Greek alphabet started in software development, but the labels are now used by product engineers across many sectors.

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Helping investors diversify their portfolios is the policy is a way the SEC protects investors. Hence, option A is correct.

The Securities Act of 1933, also referred to as the "truth in securities" law, has two main purposes: it requires investors to get financial and other important information about securities that are being offered for public sale; and When selling stocks, refrain from lying, making false assertions, and other types of fraud.

One of the three foundations of the United States is investor protection. the direction of the Securities and Exchange Commission. Maintain a fair, efficient, and structured market. support the creation of capital.

Thus, option A is correct.

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In marketing, the goods & service features and performance characteristics that differentiate one customer benefit package from another and win the customer's business are called an order winners.

In marketing, an order winners refers to those variables which permit differentiating the company from competitors while an order qualifiers are the prerequisites for engaging in a transaction. This view of orders can be seen as a unifying approach between the operations management and marketing

Going forward, the order winners are seen as a competitive advantages such as quality, delivery speed, reliability, product design, flexibility and image that cause a firm's customers to select that company's products or services. The order winner is the main reason why customers purchase a company's product. For instance, the Shine family vacations at Lake Tahoe for prestige and quality while they order all of their products from Pramazon for quick delivery speed.

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Yes, the names of terminated employees are reported in writing to the payroll tax because it is really important to let the payroll department know on what basis the employee has been suspended or terminated.

It is true, that authorizations for deductions are signed by the employee because it is important as well as necessary to deduct some amount of the employees salary and to avoid the future conflicts, a written approval is taken from the employee.

Yes, time keeping and cost accounting records are reconciled with payroll department calculations but it may contain more or fewer dollars than actually paid as per payroll data.

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In terms of organizational culture, a symbol is an artifact, act, quality, or event that conveys an organization's most important values to others.

Thus the correct option is A.

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A small manufacturing company is considering purchasing a maintenance contract for its air conditioning systems. Since all of its systems are new, the company plans to begin the contract in year one and continue through year ten. The cost of the contract is $3,200 per year and the company's minimum attractive rate of return is 12% per year. The present worth of the contract is nearest to $18,080.71.

This can be computed by using the formula for calculating the present value of an ordinary annuity as follows:

PV = P × [{1 - [1 ÷ (1 + r)]^n} ÷ r] …………………………………. (1)

Where;

PV = Present value or worth of the contract?

P = yearly cost of the contract = 3,200

r = annual rate of return = 12%, or 0.12

n = number of years = 10

Substitute the values into equation (1) to have:

PV = $3,200 × [{1 - [1 ÷ (1 + 0.12)]^10} ÷ 0.12]

PV = $3,200 × 5.65022302841087

PV = $18,080.71

Therefore, the present worth of the contract is nearest to $18,080.71.

An annuity that has its cash flows or payments made at the end of the period is referred to as an ordinary annuity. A typical annuity of $100 annual cash inflows for five years looks like this: At the conclusion of years 1 through 5, the cash flows take place. At the conclusion of year 1, there is also the first cash flow.

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Forced distribution. Forced distribution is a method of employee performance appraisal that many companies use. We also call it the forced distribution method, stacked ranking, or bell-curve rating. It is a rating system that employers use to evaluate their workers.

The rater must force employee evaluations into a bell-shaped curve when using the forced distribution performance appraisal rating method. To learn more, go to Managing Employee Performance.

Many businesses use the forced distribution approach of evaluating an employee's performance. It is also known as the stacked ranking, bell-curve rating, and forced distribution method. Employers use this rating system to assess the performance of their workforce. Each employee must be evaluated by the manager and placed into one of three categories, i.e., poor, good, or excellent. Additional categories might exist.

Forced distribution is a method of employee performance appraisal that many companies use. We also call it the forced distribution method, stacked ranking, or bell-curve rating. It is a rating system that employers use to evaluate their workers. Managers must evaluate each employee, usually into one of three categories, i.e., poor, good, or excellent. There may be more categories.

Swiftly and easily Another benefit of this approach is that it is a quick and simple model to comprehend and use. Due to the grouping of all employees, HR finds it very easy to tailor development programs to the right abilities.

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Depending on how prices develop during 2021, there will either be an increase or decrease.

First in, first out (FIFO) is an uncomplicated approach of inventory valuation based on the presumption that commodities acquired or created first are sold first. This implies that older inventory is distributed to customers before fresh inventory, in theory. Even if there have been recent changes in expenses, the cost of goods sold (COGS) of the oldest inventory is used to assess the value of ending inventory.

You must determine COGS at the conclusion of the accounting period or fiscal year because ecommerce inventory is regarded as an asset. Your balance sheets and inventory write-offs are impacted by ending inventory value. Recent merchandise often costs more than older inventory due to inflation.

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The complete question is given below :

State Materials, Inc. changed from the FIFO method of costing inventories to the weighted average method during 2021. When reported in the 2021 comparative financial statements, the 2020 inventory amount will be:

A company must make a volume trade-off decision when they have limited production capacity.

What is trade-off?
A trade-off (or tradeoff) is indeed a situation - specific decision involving the reduction or elimination of one quality, quantity, or property of a set or design in exchange for gains in other areas. A tradeoff occurs when one thing increases while another must decrease. Tradeoffs arise from a variety of constraints, including simple physics - for example, only a certain volume of objects can fit into a given space, so a filled container must eliminate some items before accepting any more, and vessels can carry a few large items or multiple small items. Tradeoffs can also refer to different setups of a single item, such as tuning the strings on a guitar to allow for different notes to be played, or allocating time and attention to different tasks.

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Alyssa is prepared to travel across town in order to save fifty percent on a soccer ball with a list price of $40. This suggests that she would be prepared to travel across town in order to save 5 percent on a $400 bike.

The cost that a product's maker ostensibly suggests that a retailer sell it is referred to as the list price, also known as the manufacturer's suggested retail price (MSRP), recommended retail price (RRP), or suggested retail price (SRP), of a product.

As they permit prices to be set higher than those that would be determined by supply and demand, suggested pricing strategies can be in opposition with competition theory. Beyond simply proposing prices, resale price maintenance—fixing prices—is prohibited in many nations.

Depending on the actual wholesale cost of each item, which is typically obtained in bulk from the manufacturer or in smaller quantities through a distributor, retailers may charge less than the suggested retail price.

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While carrying out the transaction, the legal responsibility which Erin should address is: D. ensure that she credits the loan amount accurately to the customer's account.

A loan simply refers to an amount of money that is being borrowed by a borrower (customer) from a bank or other financial institutions (lender), and it is legally expected to be paid back by a borrower to the lender at a specific period of time with an agreed interest.

In this scenario, Erin being an accounting official (employee) of this financial institution is saddled with the legal responsibility of ensuring that she accurately credits the amount of money borrowed (loan) to the account of this borrower (customer).

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Complete Question:

Erin works at a financial Institution. She has offered a housing loan to a customer. While carrying out the transaction, which legal responsibility should she address?

A. arrange an informal meeting with the customer

B. organize a success party for the department

C. disclose all confidential Information about the organization to the customer

D. ensure that she credits the loan amount accurately to the customer's account

E show the customer a list of people who defaulted on similar loans

If a firm's current ratio increases , its liquidity remains the same. Companies measure their ability to fulfil short-term financial obligations using liquidity. It's a gauge of your company's capacity to turn over any possessions with a monetary value into cash.

It is quick and simple to convert liquid assets into money. The term "liquidity" refers to the capacity to convert an asset into cash. An asset is more liquid firm it is simpler to turn it into cash. And the most liquid asset is often thought to be cash. A bank transfer or ATM withdrawal can be used to swiftly and simply access the cash in a bank account or credit union account.

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If a trader wanted to exchange 30 gulps for flops, she would get 600 flops.

Trade, which is typically done in exchange for money, is the transfer of goods and services from one person or institution to another. Economists refer to a network or system that enables trading as a market.

Before the advent of money, trade that involved direct exchanges of goods and services for other goods and services was known as bartering. The majority of commercial agreements nowadays are negotiated utilizing a form of exchange like money. Nowadays, most trade agreements are reached using a medium of exchange, like money. Money's creation facilitated trade and made it easier. Bilateral trade is trade between two traders, whereas multilateral trade is trade involving more than two dealers.

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An example of acting in a self-centered way is wishing you did something in a different way (option B).

A self-centered person is described as an individual who is more interested in his activities and more engrossed in himself. It is important to mention that a self-centered person will mainly be egotistical and selfish.

Acting in a self-centered manner means that an individual is acting in a manner in which that person's well-being, goals, and thoughts are more important to that person, than anything else. This is why the person focuses on his actions and wishes to do some actions differently.

It can be concluded that an example of acting in a self-centered way is wishing you did something in a different way (option B).

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Yes, an increase in quantity supplied at every price always results in a lower equilibrium price due to the law of supply.

hence, when an increase in quantity supplied at every price always results in a lower equilibrium price due to the law of supply.

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(B) A company's marginal cost must be zero at the profit maximizing level of output if a firm  producing at the unit elastic point.  It is because at the point with unit elasticity, changes to prices do not affect total revenue.

The demand curve can be described as a graphical representation of the relationship between the quantity demanded for a given period of time and the price of a good or service. In a typical representation,  the quantity demanded on the horizontal axis while the price will appear on the left vertical axis. Based on the statement above, a marginal cost must be zero because changes in quantity exactly offsets changes in price.

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The belt is boss, as one worker put it, or as Ford said in 1925, "the point is to keep everything in motion and convey the job to the man not the work to the man." The former method required 14 hours to assemble a Model T in 1913.

 A business constructs or produces a product is through a manufacturing process. Using computers, robots, and cloud-based technologies, it can be a complex process involving a variety of machines, tools, and equipment with several levels of automation.

Manufacturing is the process of creating products—either manually or mechanically—that the company then sells to a client. Rough materials or smaller portions of a larger product are both examples of items utilized in manufacturing.

Manufacturing is the process of creating new goods from components or raw materials. Automotive businesses, bakeries, shoemakers, and tailors are all examples of manufacturing because they all produce goods rather than provide services

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If a country raises its budget deficit, then its net capital outflow and net exports fall.

What is budget deficit?

When spending surpass income, a deficit budget is said to have occurred, and it is a sign of sound finances. This phrase is typically used by the government to refer to its expenditures instead of things or people. The national debt is made up of accumulated government deficits.

A budget deficit may result in increased borrowing, greater interest costs, and insufficient reinvestment, all of which reduce revenue for the next year. A budget surplus is the polar opposite of a budget deficit.

Naturally, a stronger exchange rate makes it more challenging for exporters to sell their products overseas while lowering the cost of imports, leading to a trade deficit—or a smaller trade surplus—as a result. A trade deficit, a stronger currency, and an inflow of foreign financial capital are all likely outcomes of a budget deficit.

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The false statement is- Points paid on a refinancing are fully deductible

in the year incurred.

Refinancing is the process of swapping out an existing debt obligation for a new one with a new term and cost of borrowing. Based on a variety of economic factors including risk inherent, anticipated risk, political and economic stability of a country, currency stability, financial regulations, borrower's credit ratings, and country's credit score, the conditions and terms of refinancing may vary markedly by nation, provincial capital, or state. Mortgages on primary residences and vehicle loan are two typical forms of refinancing in many developed countries.

Borrowers usually decide for refinancing when there is substantial change in economic environment.

The complete question is here:

Which of the following statements is FALSE?

(a) Mortgage interest on a primary residence is

fully deductible for mortgages up to $750,000.

(b) Points paid on a new mortgage are fully deductible

in the year incurred.

(c) Points paid on a refinancing are fully deductible

in the year incurred.

(d) In most cases, interest on a home equity loan

is fully deductible in the year incurred.

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The cost of goods sold to a customer who purchased 2as, 4bs, and 2cs would be $46.

2*4+4*6+2*7 = 46

What do you mean by cost of goods sold?

The cost of goods sold (COGS) is the carrying value of items sold over a specific time period. Costs are assigned to specific items using one of several methods, such as specific identification, first-in-first-out (FIFO), or average cost. Costs comprise the acquisition, conversion, and other costs incurred in bringing the inventories to their current location and condition. Material, labour, and allotted overhead are all included in the costs of goods manufactured by enterprises. The costs of items that have not yet been sold are postponed as inventory costs until the inventory is sold or written down in value.

The cost of goods sold will be:

2as*4bs+$4*$6+2cs*$7

= 46

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The number of days it would take Preeti to complete the entire project all by herself is equal to 60.

The number of days Preeti would take to complete the entire project all by herself can be calculated by using an algebraic expression.

If we consider that there are 30 units of work overall, then

Efficiency of Preeti + Efficiency of Sonal = 1

If we consider the efficiency of Sonal = x

Then the efficiency of Preeti = 1 - x

As Sonal worked for 16 days;

Total Work left = 30 - 16x

Now the efficiency of both can be calculated as follows;

Days in which Preeti completed the remaining work = Work left ÷ efficiency of Preeti

44 = 30 - 16x ÷ 1 - x

44 (1 - x) = 30 - 16x

44 - 44x = 30 - 16x

14 = 28x

x = 14/28 = 1/2

Therefore, efficiency of Sonal = 1/2

efficiency of Preeti = 1 - 1/2 = 1/2

Now we can calculate the number of days Preeti would have taken to complete the entire project all by herself as follows;

Days Preeti would have taken = Total work ÷ efficiency of Preeti

Days Preeti would have taken = 30 ÷ (1/2) = 60 days

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Marginal cost is increasing with increasing production.

In economics, the marginal cost is the exchange in total production fee that comes from making or producing one extra unit. To calculate the marginal value, divide the change in production expenses by means of the alternate in quantity.

Take your total value of manufacturing and subtract your variable prices improved by using the wide variety of units you produced. t=This could provide you with your overall fixed cost.

An organization's marginal fee is how a great deal greater it charges to produce extra gadgets of goods or services. You may calculate it by dividing the exchange in expenses by the change in amount.

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$6000 is the amortization expense for the year ended December 31, 2022 if  the patent has an expected useful life of five years with no residual value.

purchase cost a patent on january 1, 2021= $30,000

expected useful life = 5 years

$30000/5years =$6000 amortization per year

$6000 is the amortization expense for the year ended December 31, 2022.

Amortization expenses reflect the cost of long-term assets (such as computers and vehicles) over their useful life. They show up on a company's income statement as depreciation expenses.

In business, amortization is the practice of depreciating the value of an intangible asset, such as a patent or a copyright, over the course of its useful life. Amortization expenses can have an impact on a company's income statement, balance sheet, and tax liability.

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A reason that a company might want to own a warehouse is to provide customers with more control over their goods.

We can describe a warehouse as a large place where goods can be stored. If a company has a warehouse, then this means that it can store extra products in the warehouse and provide them to customers whenever needed.

A warehouse can increase the sales of a company as increased products mean increased sales. A warehouse helps in the management of sales chain development.

A warehouse means that the customers can have a grip of their goods and can store their products.

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Current ratio is 1.26.

Total Assets are defined as the assets owned by the company that have an economic worth and from which benefits may be gained in the future. This term is most frequently used in the context of a corporation. In the company's balance sheet, assets are included.

Depending on their liquidity, assets are divided into two categories:

To solve the question :

Given,

Total assets = $919,200

Net fixed assets = $682,800

Long-term debt = $264,500

Total equity = $466,900

(Total assets - net fixed assets) /  (Total assets - long-term debt - total equity)

($919,200 - 682,800) / ($919,200 - 264,500 - 466,900)

= 1.26

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The claim amount is $4,630, which is not covered by insurance.

Therefore,

The insurance company will pay the greater of the claim amount or the insurance coverage limit for each item. Because the values of the stolen jewelry and silverware exceed their individual coverage limits, the insurance company will pay the $1,000 for jewelry and $2,500 for silverware coverage limits.

Amount not covered by insurance = ($4,470 - 1,000) + ($3,660  - 2,500)

= 3,470 + 1,160

= $4,630

Answer:

D

Explanation: