Customers are able to contest credit card charges in some situations, even those involving things they knowingly bought. However, misusing this right by objecting when it isn't necessary.
What function does a credit card serve in business?A business's lifeline is having access to company-issued credit. You can use it to get the money you need to grow your business, pay for ongoing bills, buy merchandise, recruit more employees, and have available funds to cover operating costs.
What does the term "credit card purpose" mean?Money that a broker may loan to an investor in order for them to purchase stocks. Cash and/or securities held in a margin account serve as collateral for purpose credit.
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doug invested $8,500 two years ago. the stock market has since tanked, and his investment is now worth only $5,476. what rate of return has he earned on his investment?
The rate of return that he has earned on his investment is -19.7%.
Rate of return = 5,476 = 8500×(1+r÷100)²
=-19.7%
What is Return on investment?
Return on investment is a rough indicator of how profitable an investment is. ROI is determined by deducting the investment's original cost from its end value, dividing the result by the investment's cost, and then multiplying the result by 100. ROI has several applications. It can be used to gauge the profitability of stock shares, make a decision on whether to buy a company, or assess how well a real estate deal went. ROI has the drawback of not taking the duration of an investment into consideration.
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paulhill organic produce wants to maintain its current dividend policy, which is a payout ratio of 25 percent. the firm does not want to increase its equity financing but is willing to maintain its current debt-equity ratio. given these requirements, the maximum rate at which paulhill can grow is equal to:
The sustainable growth rate (SGR) is the greatest growth rate a corporation or social enterprise may sustain without raising equity or debt.
Thus, it is the rate at which the company may grow with its own internal revenue without borrowing. The SGR aims to maximize sales and revenue growth without increasing financial leverage. Achieving the SGR can assist a corporation to avoid financial difficulty and over-leverage.
Businesses use the SGR to foresee future expansion, invest capital, estimate cash flow, and formulate borrowing policies. Cutting dividends can be a tough move for companies seeking rapid expansion.
Whether or not a company is effectively managing day-to-day operations, such as paying its bills and getting paid on time, can be gauged by looking at its SGR.
This rate is used to categorize businesses according to their maturity level and is therefore a long-term rate. Accounting payables must be handled promptly to avoid disruptions in cash flow.
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The right way of asking the question is:
Paulhill Organic Produce wants to maintain its current dividend policy, which is a payout ratio of 25 percent. The firm does not want to increase its equity financing but is willing to maintain its current debt-equity ratio. Given these requirements, the maximum rate at which Paulhill can grow is equal to:
you have a balance of $5,000 on your credit card. the interest rate is 15% per year. you want to make equal monthly payment for the next 4 years to completely pay off the balance. assume no other purchases or payments other than your calculated plan. what must be the amount of your monthly payment? round to the nearest $ and use the $ symbol.
On my credit card, there is a $5,000 balance. 15% a year is the interest rate. For the following four years, I wish to settle the sum in full by making equal monthly payments. So my monthly payment would be $139.15.
Credit card Amount = $5,000
Time Period = 48 months
Interest rate = 15%
Calculating Monthly Payment Using TVM Calculation
PMT = [PV = 5,000, FV = 0, N = 48, I = 0.15/12]
PMT = $139.15
Monthly Payment = $139.15
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what forms of organization will enable the owners of ​, ​inc., to limit their risk of loss to the amounts they have invested in the​ business?
The owners of Columbia Signs, Inc. will be able to restrict their loss risk to the sums they having invested in the company Corporation thanks to various organizational structures.
What various kind of business organizations are there?Some business owners choose different forms of organization to suit their unique needs in addition to the three generally used business organization types—sole proprietorship, partnership, and ordinary corporations.
Which companies allow their owners to minimize their liability?There are some business structures that let owners restrict their liability. Corporations and limited partnerships are examples of these.
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The volume of 100 drops of a liquid is 0.01 fluid ounces.
What is the volume of 10,000 drops?
Answer:
It would be 1 fluid ounce
Explanation:
100 drops = 0.01 fluid ounces
10,000 / 100 = 100
100 * 0.01 = 1
melvin is a healthy 28-year-old who rarely gets sick enough to visit a doctor. he is considering a consumer-driven health plan in order to save money on premiums. what is another advantage of a cdhp?
Another advantage of a CDHP is Any unused balance from Melvin's health savings account can roll over into the next year to cover future medical expenses.
What is account ?In accounting, accounts refer to assets, liabilities, income, expenses, and equity, represented by individual ledger pages where changes in value are recorded chronologically with debits and credits. These postings, called ledgers, become part of the final ledger or accounts. In the banking industry, an account is an arrangement by which an organization (usually a financial institution such as a bank/credit union) accepts a customer's financial assets and holds them on behalf of the customer at its discretion.3 Different types of accounts in accounting include real accounts, personal accounts, and nominal accounts. Real accounts are then divided into two subcategories: intangible real accounts and tangible real accounts.Also, there are three different subtypes of personal accounts: natural, representative and artificial.To learn more about account from the given link :
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bill, the manager of just right gelato, acts with integrity and honesty because he believes in a system of rules that governs the ordering of values. the system of rules that directs bill's behavior is known as .
Bill, the manager of just right gelato, is honest and trustworthy because he adheres to a set of guidelines that dictate how values should be arranged. Ethics is the code of conduct that guides Bill's actions.
What is the ethical code of conduct?An organization's ethical guidelines and best practices for honesty, integrity, and professionalism are outlined in a code of ethics. Violations of an organization's code of ethics can result in sanctions such as termination for members.
What is an ethical code?Codes of conduct and ethical principles: A) Are formal declarations of an organization's expectations for its workforce. B) Only become necessary when a business is in legal trouble. C) Are intended for high-level managers and executives rather than regular employees.
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if a homeowner hears a rumor that an abandoned home next to his is about to be taken by the city and converted to a park, the appraiser would value the homeowner's property on the basis of
the possible rise in property value brought on by the new park's close location. The property worth of the homeowner would probably rise as a result. The appraiser would need to confirm
What is the value of property?
The sum a potential buyer is willing to pay is referred to as the property value. This price is influenced by a number of elements, including the size of the parcel, its location, and other characteristics like the number of bedrooms and bathrooms or how close the property is to amenities. The First Street Foundation's Flood Model provided the expected depth, likelihood, and kind of flooding.
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ryron bank, a private bank, introduced internet banking facilities for its customers after the government de-monetized hundred dollar bills. customers who were reluctant to use credit cards for their daily purchases were enthusiastic about this new option. in this context, which dimension of the business environment is affected the most?
technological environment dimension of the business environment is affected the most based on the context.
A company or entrepreneurial entity that does business in the professional, commercial, or industrial sectors is known as a business. Various variables can affect the existence of distinct company kinds. There are both for-profit and nonprofit organisations. They differ from one another in a similar way based on who owns them. There are, for instance, companies, partnerships, and many other business structures. The actions and endeavours of a person engaged in the business of creating or providing goods or services with the intention of doing so for profit are likewise considered to be business. The term "business" designates an innovative person, group, or organisation that engages in commercial activity. They could be business-related, industrial, or something else. As a business owner, there is no cap on the amount and rate of income you may generate.
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how does having a monthly budget help you achieve your money goals?
Knowing clearly your income and expenses, financial decision-making,
limiting and controlling expenditures help you achieve your money goals.
Benefits of having a monthly budget
Having a monthly budget can help you achieve your money goals by providing a clear picture of your income and expenses, and helping you make informed decisions about how to allocate your money. By setting spending limits for different categories of expenses and tracking your actual spending, you can identify areas where you may be overspending and make adjustments to free up money for your goals. Additionally, a budget can help you prioritize your spending and ensure that you are putting your money toward the things that are most important to you. Overall, a budget can give you more control over your finances and help you reach your financial goals faster.
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with the use of advanced investment techniques, these largely unregulated portfolios are invested in securities. the investment objective is to offset potential losses by investing in counterbalancing securities. they are open to only a select class of investors. T/F
It is true that these mainly unregulated portfolio are invested in assets using sophisticated investment techniques.
What are sophisticated trading techniques?Numerous technical signals and more complex products, like as options and futures, are typically used in advanced trading methods. A theoretical situation where the correlation between bond yields and the current and forward curves is known as covered interest rate parity.
What is an investment in money?Any property or instrument bought with the aim that it would either generate income on its own or be sold for a profit at some point in the future (capital gains) is considered to be a financial investment.
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you started a project on 9/29/2019. the project ended on 08/01/2022. how many working days did you have for the entire project?
741 1037 1287 832. please explain correct answer.
Answer:
1287
Explanation:
there are a total of 1095 days in the project. However, because there are holidays and public holidays, the actual number of working days is 1287.
before the foreclosure sale, a defaulting borrower seeks to pay off the debt plus any accrued interest and costs under the right of
Statutory redemption is the right to pay off the mortgage debt plus any accumulated interest and charges.
What exactly is statutory redemption?Borrowers have a statutory right to redeem their homes after a foreclosure, but only up to a certain point. To reclaim a house, a borrower with a legal right to redemption must pay the foreclosure selling price. It is possible to reclaim your home after it has been sold in a foreclosure sale during the redemption period. The outstanding mortgage obligation, as well as any foreclosure-related charges, must be paid. The term redemption refers to the act of releasing or reclaiming mortgaged property by repaying mortgage obligation.
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9. when cash is paid for insurance, (a) prepaid insurance is decreased. (b) prepaid insurance is credited. (c) prepaid insurance is increased. (d) none of these.
When cash is paid for insurance "prepaid insurance is increased".
Hence, option (C) is the correct choice.
The asset account Prepaid Insurance diminishes when cash is used to pay for insurance. Both the cash account and the sales account are raised when money from sales is received.
A prepaid account, such as Prepaid Insurance, is debited and the cash account is credited whenever a payment is made that prepays a charge. This shows the prepayment as an asset on the balance sheet of the business.
Prepaid insurance refers to payments made in advance to insurers by people and corporations for insurance services or coverage. Although premiums are typically paid a full year in advance, they occasionally may cover more than a full year.
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Out of the provided choices, it can be said that when cash is paid for insurance, the prepaid insurance is increased. Therefore, the option C holds true.
Prepaid insurance can be ideally represented as the amount of premium that is paid towards its head even before it is due. The journal entry for insurance premium is to be done in such a way that cash is credited, and insurance premium is debited, thereby indicating an increase in the amount of the insurance premium paid on the balance sheet as on that date.
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your client, who does not have a will and does not plan to write one, recently purchased a tract of farmland to include in the family farming operation. he wants the entire tract to pass upon his death to his son, who will continue the farming operation. he wants the remainder of his property to pass to his wife. you should advise him that, to accomplish his objectives, the most appropriate form of titling to use for the farmland tract is a) joint tenancy with right of survivorship with his son and wife. b) tenancy in common with his son. c) tenancy in common with his son and wife. d) joint tenancy with right of survivorship with his son.
You should tell him that, in order to achieve his goals, the best form of titling to utilize for the farming tract is joint tenancy with the right of survivorship with his son and wife. The correct answer is option A.
What exactly is joint tenancy?In general, joint tenancy is a type of property ownership in which numerous tenants co-own the same piece of real estate under the same deed.
For first-time purchasers and real estate investors, shared tenancy provides a more convenient way to own. Please keep in mind that practically anybody, whether married or single couples, acquaintances, investing partners, or relatives, can participate in this arrangement. In the event of a complete estate sale, co-tenants must divide the revenues evenly.
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a major purpose of preparing closing entries is to question content area bottom part 1 a. update the retained earnings account. b. close out the supplies account. c. zero out the liability accounts. d. adjust the asset accounts to their correct current balances.
Option D is correct. The closing entries also adjust the asset accounts to the correct current balances, zero out the liability accounts and close the supplies account. Closings are necessary to bring the balances of all permanent accounts to zero so that they can be prepared for the next accounting period.
The major purpose of closings is to transfer temporary account balances to a permanent retained earnings account at the end of the accounting period. This is done by closing the temporary income, expense and dividend accounts and transferring the balances to the retained earnings account. This process ensures that the books are up to date and ready for the next term. It also ensures that the financial statements accurately reflect the financial position of the company at the end of the accounting period.
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if brambles expects to receive a foreign currency payment in six months, how this transaction may be hedged ?
Brambles could hedge the foreign currency payment by entering into a forward contract, which will allow them to lock in the exchange rate at the time of purchase. Alternatively, they could purchase a currency option, which gives them the right but not the obligation to buy the currency at a predetermined exchange rate.
Hedging is a risk management strategy used to protect against potential losses from fluctuating foreign exchange rates. In the case of a foreign currency payment that is expected to be received in six months, a company can use a forward contract to hedge the transaction.
A forward contract is an agreement between two parties to exchange a specific amount of foreign currency at a predetermined exchange rate on a specified date in the future. This type of contract eliminates the risk of exchange rate fluctuations because the buyer and seller agree to the exchange rate at the time of the contract. The buyer can lock in the exchange rate at the current market rate and will be guaranteed a specific amount of foreign currency when the payment is received.
The buyer and seller may also enter into a money market hedge. This involves the purchase or sale of a currency to offset any potential exchange rate losses. This type of hedge is beneficial because it provides more flexibility than a forward contract. The buyer can purchase or sell a currency in the money market to counter any potential decrease in the value of the foreign currency.
Another option for hedging is a currency futures contract. This type of contract is similar to a forward contract, but it is traded on a futures exchange.
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a company that loans money to an organization is a(n) multiple choice question. creditor supplier investor shareholder
A creditor is a business that lends money to an organization. The correct answer is a creditor.
An entity that loans money or offers credit to another party is known as a creditor. In this situation, the business is the lender and the recipient of the loan is the borrower.
The business might anticipate that the borrower will pay back the loan over a specific time period, plus interest. A supplier is a company or individual who offers products or services to another party.
A person or entity that invests money in a project or business with the hope of making a profit is known as an investor. A shareholder is an individual or entity that has stock in a corporation.
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a tractor that 4 years ago cost $8000, now is worth only $3200. find the average annual rate of depreciation
According to question the average annual rate of depreciation for the tractor is $600 per year.
What is average annual rate of depreciation ?The pace at which an asset is depreciating over time is gauged by looking at its average yearly rate of depreciation. It is computed by subtracting the asset's original cost from its market value, then multiplying that result by the number of years the item has been in operation.
Usually, a percentage or decimal is used to describe the average yearly rate of depreciation. It is used to evaluate the tax benefits that can be claimed through depreciation as well as to predict the asset's future value. It is a crucial idea in accounting and finance since it aids in the planning and management of expenditures related to asset ownership for both businesses and individuals.
The average annual rate of depreciation can be found by using the following formula:
(Cost at time of purchase - Current value) / Number of years = Average annual rate of depreciation
($8000 - $3200) / 4 = $2400 / 4 = $600
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janet is invited to a theme party on campus, where everyone is supposed to dress as their favorite video game character. she wears her normal attire -- jeans and a lightweight jacket --, and as a result, not many people associate with her during the party. the host implies that janet should leave but doesn't demand it. janet is experiencing:
Here Janet is experiencing social exclusion during the theme party.
Janet is experiencing feelings of exclusion and alienation. She may be feeling embarrassed, judged, or uncomfortable in her outfit compared to the other guests. She may also be feeling hurt, angry, or frustrated that the host implied that she should leave the party without directly asking her to. Social exclusion is the process by which persons are barred from (or denied full access to) numerous rights, opportunities, and resources that are ordinarily available to members of another group and are essential to social integration and human rights observance within that group. Social exclusion refers to a scenario in which not everyone has equal access to the opportunities and services that enable them to live a decent and happy life. This includes the inability to contribute to and have their opinion heard on the norms of the society in which they live.
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what is the difference between primary and secondary manufacturing industries? pick a raw material you are familiar with and explain where primary manufacture of the stock ends and secondary manufacture of the product begins.
The primary sector is concerned with the extraction and gathering of natural materials from the soil (for example, agriculture, fishing and mining). The secondary sector includes processing (for example, the processing of agricultural products), manufacturing, and building.
Primary: entails the extraction and manufacture of raw resources such as maize, coal, wood, and iron. Secondary: includes the transition of raw or intermediate resources into finished commodities, such as steel into automobiles or textiles into apparel. (A builder and a dressmaker are examples of secondary-sector jobs.)
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explain how staffing structure, policies, practices, procedures, information systems, budgets and legal reporting requirements can be implemented as an integrated staffing management system to help organizations meet their strategic goals
An integrated staffing management system can be implemented by aligning structure, policies, procedures, information systems, budgets, and legal reporting requirements with an organization's strategic goals.
An integrated staffing management system can help organizations meet their strategic goals by ensuring that the workforce is aligned with the organization's mission, vision, and values. This can be achieved by developing staffing policies and practices that support the organization's goals and objectives, such as recruiting and retaining a diverse workforce, providing training and development opportunities, and implementing performance management systems.
Additionally, information systems can be used to track and analyze workforce data, such as employee turnover and absenteeism, to identify trends and areas for improvement. Budgets and legal reporting requirements can also be integrated into the system to ensure compliance with labor laws and regulations and to manage the organization's financial resources effectively.
Overall, an integrated staffing management system can help organizations optimize their workforce and achieve their strategic goals by aligning all aspects of staffing management with the organization's mission and objectives.
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which of the following is not a risk associated with outsourcing information systems functions? a. loss of control of functionality b. loss of control of critical in-house knowledge c. compromising sensitive company data d. inability to easily sever the outsourcing relationship e. inability to o
Option e.) inability to obtain expertise from outside the company is the correct answer as, outsourcing is a business practice in which a company hires a third party to perform a task and it is not a risk associated with outsourcing information systems functions.
Outsourcing was first recognized as a business strategy in 1989 and became a staple of business studies in the 1990s. The practice of outsourcing is the main subject of considerable controversy in many places. Proponents say outsourcing creates incentives for companies and businesses to direct resources where they can be most effective, and outsourcing helps preserve the nature of free market economies on a global scale.
Outsourcing can be beneficial for organizations that value time more than money, but it can come with some drawbacks if the organization needs to maintain control.
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a company bills customers for services rendered on account. which of the following is one part of recording this transaction? select one: a. credit cash b. debit service revenue c. credit unearned revenue d. debit accounts receivable
Customers are billed by a business for services provided on account. The part of the journal entry that reads "D" stands for "debit accounts receivable."
You make a journal entry in the accounting journal when you send an invoice to a client. You can record the whole amount owed from the invoice as a debit in the accounts receivable account for the journal entry. Additionally, you record a credit in the sales account for the total amount owed from the invoice.
A journal is a book where all of a business's transactions are initially documented. Journalising is the process of entering transactions into a journal. Each transaction has two effects on the accounts: one debit and one credit.
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what are the benefits of living a debt free life
Answer:
1.Peaceful life. If one is living a life withought debt then they would have absolutely nothing to worry about and they wouldn't be on the run from people they owe or flee from a country just because of the banks they owe but they would be free to go out and have nothing to worry out.
2.Less stress. One doesn't have to be stressed out because the are owing someone else and they need it very urgently but they would enjoy life and live peaceful
3.More of your income is available to you. Your would have to use your salary to take care of the people you are owing
Identify tools that are ideal for cleaning glassware. Select one or more: a) Steel wool b) Detergent and water c) Reusable cloths d) Brushes.
The tools that are most ideal for cleaning glassware are:
b) Detergent and waterd) Brushes.What items should be used to clean glassware?Glassware used in Organic Chemistry must be rinsed with the appropriate solvent. For water-soluble contents, use deionized water. For ethanol-soluble contents, use ethanol, followed by rinses in deionized water.
Rinse with additional solvents as needed, then ethanol, and finally deionized water. Scrub the glassware with a brush using hot soapy water, then rinse thoroughly with tap water, followed by rinses with deionized water.
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identify any advantages of having intercollegiate athletic programs run by students rather than professional managers, or is the current model for management far superior?
The existence of intercollegiate athletics encourages student engagement, offers a way of engaging the community, and is frequently seen as a crucial component of the entire collegiate experience.
The phrase "intercollegiate athletics " refers to a collegiate sport for which a national body for the promotion or regulation of college sports has established qualifying rules for student athletes. Sports leagues, contests, and tournaments known as "intramurals" take place only at one university. The fact that Rockhurst's NCAA Division II teams compete against other institutions and that the majority of its athletes are on athletic scholarships distinguishes intercollegiate sports from intramurals. Different college divisions approve intercollegiate competition. The National Collegiate Athletic Association (NCAA), which has three divisions, the National Association of Intercollegiate Athletics (NAIA), and the National Junior College Athletic Association are the largest and most significant of all (NJCAA).
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Connor Industries Inc. Constantly scans the environment to keep ahead of competition and to survive as a business. The owners seek statistics that provide valuable information about the future of the economy for periods ranging from three to twelve months. Knowing the _____ is of great benefit to Connor
The owners seek statistics that provide valuable information periods ranging from three to twelve months. Knowing the leading economic indicators is of great benefit to Connor.
What exactly do you mean by economic?Economics is the study of constraint and how it affects how resources are used, how goods and services are made, how welfare production grows over time, and a lot of other complicated issues that are very important to society.
We study economics for a reason.By studying law, people can better understand their world. It gives users the ability to know individuals, groups, markets, and governments in order to effectively adapt to changes and the opportunities they present.
Economic indicators:A statistic about an economic activity is an economic indicator. Analyzing and predicting future economic performance are made possible by economic indicators. The investigation of business cycles is one application of economic indicators.
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which of the following factors would not affect the own price elasticity of a good? a. price of an input b. time c. available substitutes d. expenditure share
The right response is time because it has no direct impact on a good's own price elasticity. Time has no bearing on the link between a good's own price elasticity and the amount requested of that commodity in response to a change in its own price.
Time may indirectly influence a good's own-price elasticity, but it is not a major predictor of how responsive the amount required is to a change in price. The availability of near substitutes, consumer income, expenditure share, and the cost of the inputs required to make an item is a few more variables that may directly affect a good's own-price elasticity.
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a feed and grain shop makes 140 bushels of a mixture of corn and oats. if a bushel of oats costs 80 cents and a bushel of corn costs $1.50, how many bushels of each are needed to make a mix that sells at $1.20 a bushel?
80 bushels of each are needed to make a mix that sells at $1.20 a bushel.
What are the benefits of oats?According to research, oats and oatmeal provide several health benefits. Weight loss decreased blood sugar levels, and a lower risk of heart disease are among the benefits. Oats are one of the healthiest grains on the planet. They're a gluten-free whole grain that's high in vitamins, minerals, fiber, and antioxidants.
Let
x = bushels of oats.
y = bushels of corn.
We have an equation:
x+y= 140 [1]
x bushels of oats for $80 A bushel is worth 0.80 x dollars.
At $1.50 per bushel, y bushels of maize are worth 11.50 y dollars.
The total value of the mixture is:
0.80x+1.50y dollars.
However, we know that the blend will be 140 bushels at $1.20 a bushel.
We simply expressed the mixture's value in two ways.
We have another equation:
0.8x+1.5y=168 [2]
We have a system of equations:
0.8x+1.5y =168
Therefore,
X = 60
Y = 80
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