jay and joyce meet george, the banker, to work out the details of a mortgage. they all expect that inflation will be 2 percent over the term of the loan, and they agree on a nominal interest rate of 6 percent. as it turns out, the inflation rate is 5 percent over the term of the loan. a. what was the expected real interest rate? b. what was the actual real interest rate? c. who benefited and who lost because of the unexpected inflation?

The positioning strategy can assist in communicating the company's or the product's value proposition, which communicates the customer benefits to be received from a good or service and thus gives reasons for wanting to buy it.

The goal of a positioning strategy also referred to as a market positioning strategy or brand positioning strategy, is to set a brand apart from its rivals. By clearly communicating a brand's competitive advantage, positioning strategies aim to change consumer perception. Here are a few strong positioning techniques.

It is essential to internalize this knowledge for key stakeholders in a brand positioning statement after conducting the required research and choosing a positioning strategy. Then, work with marketing teams to create messaging that is consistent with it.

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This is called Social Support. Social support improves one's quality of life and acts as a supportive social network against adversity.

The material and psychological resources offered by a social network to help people cope with stress are referred to as social support. Such social support can take many forms, including assisting an individual with various daily tasks when they are ill or providing financial assistance when they are in need. Social support is the perception and reality that one is cared for, that one can get help from others, and, most importantly, that one is part of a supportive social network.

Here is the complete question-

When new employees arrive on the sales floor after training at Hamilton department store, experienced employees have a tendency to say, "forget what you learned. this is how we really do it."

What is this?

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A. At the end of a bookkeeping period, a section in a company's common record called a "adjusting journal entry" is created to record any unrecognised pay or expenses for the period.

B. Since a provision for doubtful accounts reduces the total value of a resource, in this case the accounts receivable, it is referred to as a "contra asset."

Money owed by customers to a company is referred to as a doubtful account. The only problem is that the business doesn't anticipate receiving the money. (It is "doubtful " that you will collect.)

The phrase can also be used to describe an account that is currently a reserve but could eventually turn into a bad debt because it hasn't reached the point where it can be written off. All types of businesses consistently face the challenge of managing doubtful debt.

A ) Adjusting entry

The adjusting entry to record the credit losses for the year is :

Bad debt expense Dr, $27,000

To Allowance for Doubtful Accounts Cr. $27,000 ($900,000 × 3%)

(To record accounts deemed to be uncollectible)

B ) December 31 balance sheet

Accounts Receivable $150,000

less: Allowance for Doubtful Accounts $39,200 ($12,200 + $27,000)

Net accounts receivable $110,800

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Answer:

The recorded value of new truck = $129,000

Explanation:

Market value of new truck = invoice price = $129,000

Book value of old truck = 79000-63200 = $15,800

Cash paid = $116,360

Loss = 15800+116360-129000 = $3,160

Now since transaction has commercial substance and there is loss on exchange, therefore New truck will be recorded for market value.

Hence recorded value of new truck = $129,000

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An opportunity cost is the sacrifice involved in making one decision over another.

The worth of what you forgo while deciding between two or more possibilities is known as opportunity cost. Every decision entails trade-offs, and opportunity cost refers to the possible advantages you'll forgo by selecting one course over another.

In plain English, it could be described as the value that is lost when a company must choose between two or a lot of options.

It is the value or advantage forfeited by engaging in a specific activity in comparison to engaging in a different activity is known as the opportunity cost in microeconomic theory. Simply say, it connote that if a person select one activity, that person does forfeit the ability to do another.

Therefore, Note that Another word for the term opportunity cost are:

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The annual interest produced by a sum that is paid to investors or charged to borrowers is referred to as the annual percentage rate (APR). APR is a percentage that expresses the actual annual cost of borrowing money throughout the course of a loan or the revenue from an investment.

Are annual rates and interest rates the same?

APR represents the total yearly cost of a loan to the borrower, including all fees. The APR is stated as a percentage, just like an interest rate. It does, however, contain other costs or fees such mortgage insurance, the majority of closing costs, discount points, and loan origination fees, unlike an interest rate.

How does interest compound annually?

An interest rate is written as an annual percentage rate. It factors in variables like monthly payments to determine what proportion of the principal you'll pay annually. APR is another term for the yearly rate of interest paid on investments that does not take into account the annual compounding of interest.

b. 36 Years

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Assuming quarterly compounding of amounts invested at 12%, Chris should invest $168,327.

The formula for the future value of compound interest:

FV = P (1 + r)ⁿ

Where:

P = present value

r = interest rate per period

n = number of periods

Parameters given from the problem:

FV = $341,100

Since the interest is compounded quarterly, then:

n = 12/4 . 6 = 18 periods

Interest per period:

r = 12%/3 = 4% = 0.04

Plug these parameters into the formula:

341,100 = P (1 + 0.04)¹⁸

P = 168,327

Hence, Chris should invest $168,327 of his inheritance to buy  $341,100 6 years later.

Complete question:

Chris filmore's lifelong dream is to own his own fishing boat to use in his retirement. Chris has recently come into an inheritance of $428,900. he estimates that the boat he wants will cost $341,100 when he retires in 6 years. Assuming quarterly compounding of amounts invested at 12%, how much of Chris Fillmore’s inheritance must be invested to have enough at retirement to buy the boat?

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hewlett-packard (hp) founders david packard and william hewlett strived to create a close-knit organizational culture that gave a lot of responsibility to employees and fostered innovation within the company. in hp’s culture, individual responsibility and the importance of innovation are been recorded.

Organizational culture can be described as the series of the values, expectations, and practices that is needed in the organization so that the smooth running of the organization can be possible.

It should be noted that this help the member of the organization to know what is necessary as well as what is not when they are carring out their work in the organization, however the culture in the organization help to be able to know about the working principle of the organization such as the hewlett-packard since this usually bring about innovation as well as increment in the productivity of the member of the team in the organization.

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The correct answer is true

Higher education is postsecondary education that results in the award of a degree. After completing secondary school, there is an optional last step of formal study known as higher education, also known as post-secondary education, third-level education, or tertiary education. Numerous alternatives exist for postsecondary education, including public and private universities, colleges, community colleges, career and technical schools, vocational and trade schools, centers for continuing education, campus transition programs, and apprenticeship programs. Any degree you earn after completing high school is considered post-secondary. In other terms, a post-secondary degree is one that was earned following attendance at a higher school of learning. It could be a community college, a technical or vocational institution, or even a college for undergrads.

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The firm's average revenue is $20 in a competitive market and units sold is 50 units. Average revenue is same as Marginal Revenue.

Therefore, Average revenue is $20.Units sold = total revenue / average revenue= $1,040 / $20= $50A measure of a product's profitability based on how much money is made from each of its customers or subscribers is called average revenue per unit (ARPU). For businesses in the media and telecommunications sectors, which depend on subscribers or users, it is an especially helpful metric. Total income divided by the quantity of units, customers, or subscribers is the standard formula for calculating ARPU. Average revenue per person is another name for it. It may even be referred to as average income per SIM card by mobile phone service providers.

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With respect to common television dayparts for eastern and pacific time zones, the slot between 11:30 p.m. and 2:00 a.m. from Monday through Friday is called late fringe .

Off-peak hours are often used on television to describe the evening hours around prime time. [1][2]Television hours before prime time are called the early fringe and are usually between 4:00 pm and 6:00 pm. Until 19:30 Late edge is the period of television that usually follows prime time between 23:00 and 23:00. Until 1 a.m.

In his first 20 years on American television, the early Fringe was considered part of prime time, and from today he started the show half an hour earlier, and the network announced he would be on his hour in the evening. It was prohibited to program the frame of Now known as edge time.

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For each alternative, the incremental profit per unit that Canarie, Inc. needs to consider in its evaluation is as follows:

                                         Alternative 1  Alternative 2

Incremental profit                  $37                 $15

The incremental profit refers to the gain or the difference between the incremental sales revenue and the incremental cost.

Incremental profits arise from mangerial decisions, especially with respect to choosing betweeen alternatives.

We should remember that sunk costs, like fixed overhead, are not relevant in a managerial decision.  The already incurred production cost is like a sunk but it is considered for determining the incremental profit.

                                         Alternative 1  Alternative 2

                                           Complete     Incomplete

Sunk production cost            $105              $105   = irrelevant

Incremental costs:

Materials                                     14

Direct labor                                17

Variable overhead                    10

Total incremental costs          $41

Selling price                          $142               $115

Incremental profit                  $37                 $15 ($115 - $105)

The total incremental costs is $41 for alternative 1 and $0 for alternative 2.

Thus, it profits Canarie, Inc. more to complete the organizers than selling them to another manufacturer.

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If there is a fear of Eurozone breaking apart due to Brexit, demand for European currency may either increase or decrease.

These fears would cause the demand for dollars to decrease or increase, and the supply of dollars to increase or decrease, leading to a decrease or increase in the euro/dollar exchange rate.

Changes in the expected rate of return causes demand and supply for a currency. When rates of return in a country seems relatively high, then such country will attract funds from abroad. However, when rates of return in a country seems low, then funds will flee to other economies.

Therefore, the correct answer is as given above.

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The Savvy Entrepreneurial Firm section in Chapter 7 discusses vesting company stock. A typical startup's vesting schedule, according to the feature, lasts 36 to 48 months and includes a 12-month cliff.

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Producers may only use CMS and Aetna-approved marketing materials that have been created by our marketing team, approved by us, and filed with CMS by us when discussing Aetna individual Medicare plans.

This statement is True.

A producer is a person who produces and supplies goods and services. A producer combines labor and capital (called factor input) to create another. H. Produce. Firms are the prime example of a producer, and what economists usually think of when they talk about producers.

Producers are people who produce or grow goods and provide services. Sometimes they are called workers and they help us do something. For example, a florist is a producer of beautiful bouquets.

Progenitors are creatures that feed themselves from sunlight, air, and soil. Green plants are producers, making food with their leaves. Consumers are creatures that cannot produce their own food. Consumers get their energy from food. All animals are consumers.

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The 2017 fair market monthly rent for a two-bedroom apartment, according to the department of housing and urban development, hovered around $1,000.

The entire number of buyers and sellers in the area or region under consideration is referred to as the market. Earth, as well as several nations, regions, states, and cities, may be the subject. A self-contained housing unit (a sort of residential real estate) known as an apartment. Apartments' housing tenure also varies widely, from large-scale public housing.

The worth, expense, and cost of the goods traded depend on the forces of supply and demand in the market. The market could either be a real place or online. It could be flawless or flawed, local or universal. The term "available market" refers to a market that includes all local residents. There is a "market minimum" inside the available market, or the size of the market that will purchase items without any marketing effort. Without taking any action, a corporation could only receive sales like this one. This level is getting lower and lower in the modern world.

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All purchase/sale transactions are made on credit. The company uses the FIFO method and perpetual inventory system to report transactions. $4,500 is the ending balance of inventory under the FIFO method.

First In, First Out, sometimes known as FIFO, is a strategy of managing assets and valuing them that prioritizes the sale, use, or disposal of assets that were produced or acquired first. For taxation purposes, FIFO presumes that the cost of items sold on the income statement includes the assets with the oldest expenses (COGS).

According to the accounting principle known as first in, first out (FIFO), assets that are bought or acquired first are also the first to be sold.

According to FIFO, the inventory still on hand is made up of products that were bought last.

LIFO is an accounting technique that differs from FIFO in that assets that were acquired or purchased most recently are sold first.

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The question was incomplete. Check below the full question.

All purchase/sale transactions are made on credit. The company uses the FIFO method and perpetual inventory system to record transactions. Which of the following will be recorded on February 25?

a. $1,300

b. $4,500

c. $3,000

d. $1,000

Most transport-based companies employ teams of two drivers in an air mode of transportation to increase efficiency.

This transportation are performed by aircraft for the public carriage of passengers, baggage, cargo, mail etc for exchange of remuneration or hiring. It is considered to be the fastest modes of public transport which connects international boundaries.

As a matter of fact, the presence of two pilots on a plane make coordination much easier because one pilot can concentrate on the flight and the other completes the checklist. Therefore, an increased efficiency is achieved.

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Answer:

ROAD transportation often employs teams of two drivers to increas efficiency.

Explanation:

common sense tbh

Class B shares the most suitable share class for this initial investment.

What is initial investment?

An initial investment is the amount of money required to open an account or establish a buy-in relationship. The word "initial investment" is most commonly employed in two distinct but connected industries: banking and long-term investment brokerage. To establish ownership of an account in banking, an investment in the form of an initial deposit is normally required. The same initial deposit in investing creates ownership, but it is frequently put down in the hopes of spurring future growth.

Back-end loads (sales costs) on B class shares are only payable when the shares are redeemed, and such sales charges normally dissipate over the first 5 to 7 years. Until they vanish totally, the investment is beneficial. As a result, B shares are generally best suited for smaller investments with a longer investing time horizon (where taking advantage of breakpoints is not a factor), such as this one.

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Borrowed $100 from her cousin at the rate of 10% per year. if the inflation rate was 4% that year, what is her cousin's actual rate of return on the loan is 6%-2%=4%.

In the field of economics, In the study of economics, inflation is the term that denotes a steady rise in the price of products and services across a state. As the general price level rises, each unit of currency may buy fewer goods and services, hence inflation is related to a reduction in the purchasing power of money. The opposite of inflation is deflation, which is a persistent rise in the overall level of prices for goods and services. The most common measure of inflation is the annualized percentage change in a general price index, sometimes known as the inflation rate.

Because price rises are not constant across the board, the consumer price index (CPI) is widely used for this purpose. The employment cost index is also used to determine wages in the US

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The product life cycle is the different stages a product goes through during its existence is known as blank. Hence, option C is correct.

The four phases of a product's life cycle are introduction, growth, maturation, and decline. Product life cycles are used by management and marketing experts to help them decide on things like advertising schedules, price points, entering new product markets, changing packaging, and more.

The five stages that make up a product's life cycle are development, introduction, growth, maturity, and decline.

Thus, option C is correct.

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a. The  market’s expectation of the one-year interest rate three years from now is 11.01%

The expectations hypothesis of the term structure of interest rates is the idea that the long-term rate is solely determined by the present and expected future short-term rates, such that the expected final value of wealth from investing in a series of short-term bonds will be equal to the final value of wealth from investing in long-term bonds.

According to expectations hypothesis,  If market's expectation of 1-year rate three years from now is r, then :

(1 + 9%)∧3 * (1 + r)∧1 = (1 + 9.5%)∧4

a.  r = 11.01%

The  market’s expectation of the one-year interest rate three years from now is 11.01%

If the expected value of next year's yields on 1 year bonds is r, then :

(1 + 7.5%)∧1 * (1+ r)∧1 = (1 + 8.5%)∧2

b.a  r = 9.51%

If the expected value of next year's yields on 2 year bonds is r, then :

(1 + 7.5%)∧1 * (1+ r)∧2 = (1 + 9%)∧3

b.b  r = 9.76%

If the expected value of next year's yields on 3 year bonds is r, then :

(1 + 7.5%)∧1 * (1+ r)∧3 = (1 + 9.5%)∧4

b.c  r = 10.17%

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If a citizen of the United States receives dividends from shares of Toyota, Inc. stock they own, the transaction would be recorded on the country's balance of payments as a Current account credit.

The balance of payments summarizes an economy's international economic dealings. These transactions consist of transfer payments as well as the export and import of products, services, and financial assets (like foreign aid).

The balance of payments is used to track international transactions. Money entering a country causes a rise in the balance of payments (BOP). When money departs a country, a deduction is made. For instance, when a country sells 20 dazzling red convertibles to another country, the balance of payments is credited.

The balance of trade in goods and services, along with net investment income from foreign assets and net transfers, make up the current account of the balance of payments.

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The rate is 4%, hence 18 years are needed to double the investment.

When money is invested at an interest rate for more than one period, compound interest develops. The interest is applied to the investment as well as the accrued interest form previous periods in periods after the initial period. As a result, the investment's growth is accelerated.

Growth Rate Years to double(rounded to nearest whole number)

4                      18

According to the rule of 70, it takes a sum of money n years to increase in value at an interest rate of I percent.:

n = 70/i

the rate is 4% so the number of years to double the investment is:

n = 70/4

= 17.5

the rate is 4%, hence 18 years are needed to double the investment.

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Any items (outstanding checks, deposits in transit, etc.) that have been recorded in the business' general ledger accounts but have not yet shown up on the bank statement will be recognized as an adjustment to the amount per bank statement.

Deposits in transit are added to the balance per bank while pending checks are subtracted from it.

The items are marked as a modification to the amount per book if they appear on the bank account but have not yet been recorded in the books.

Charges for bank services, check-to-print, and other digital reductions that have not yet been reflected in the company's financial statements will be subtracted from the cash balance according to the books.

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It is a true statement that companies that report inventory using the lifo method must report the difference between the lifo cost and fifo cost of its inventory; and this difference is commonly called the lifo reserve.

In cost accounting, a LIFO reserve refers to the accounting term that measures the difference between the first in, first out (FIFO) and last in, first out (LIFO) cost of inventory for bookkeeping purposes.

The main benefits of the LIFO reserve is that it allows the investors and analysts to compare companies that use different accounting methods equally. However, it also allows a comparison between LIFO and FIFO and the ability to understand any differences including how taxes might be impacted.

Full sentence "companies that report inventory using the lifo method must report the difference between the lifo cost and fifo cost of its inventory. this difference is commonly called the lifo reserve. True/False"

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Discounts are subtracted from a buyer's total amount due when buying products or services. Sellers frequently provide discounts to promote early payment of products or services.

They are typically indicated as a percentage of the selling price and are only valid during the "discount period," which is a finite window of time.

Purchase returns: Gross Purchases 8,900 Less (445)

Net purchases: 8,455

Trade discounts and cash discounts are the two sorts of discounts available.

What distinguishes the credit period from the discount period?

If the account is paid in full before the end of the discount period, the customer can be eligible for a cash discount rate. The duration of the trade credit is known as the credit period, and up until the end of the credit term, no interest is applied to the outstanding balance.

How Do Credit Periods Work?

The amount of days that a customer has to wait before paying an invoice is known as the credit period. The idea is crucial because it shows how much working capital a company is prepared to put into its accounts receivable in order to increase sales.

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The disadvantages of the corporate form of business includes:

The corporate form of business is better known as a corporation. This form of business means the legal entity that is separate and distinct from its owners. It possess many of the same rights & responsibilities as individuals because they can enter contracts, loan and borrow money, sue, be sued, hire employees, own assets, pay taxes etc.

It is also known that a corporation offers the strongest protection to its owners from personal liability. although a demerit is that the cost to form a corporation is higher than other structures.

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The dollar value of its ending inventory is $165.

Periodic can be defined as the Inventory account is not updated during the accounting period. The cost of merchandise purchased from suppliers will be debited to the general ledger account Purchases.

The periodic LIFO inventory system allows a business to track its beginning inventory and ending inventory within an accounting period.

Since there is the ending inventory units i.e. 13, so:

Dollar value of its ending inventory = 10 × $12 + 3 × $15

Dollar value of its ending inventory = $120 + $45

Dollar value of its ending inventory = $165

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The income from Bruce's tax services that is eligible for the qualified business income (QBI) is $216,065.

The IRS allows self-employed persons qualified business income (QBI) deductions.

The QBI deduction is 20% of business income.

Bruce's joint taxable income = $375,100

Profit from tax services = $395,000

Total taxable income in 2021 must be under $329,800 for joint filers.

Determining the Percentage for QBI:

$375,100 - $329,800 = $45,300

= 45.3% ($45,300 ÷ $100,000)

45.3% is not eligible for the QBI deduction

Qualified Business Income percentage = 54.7% (1 - 45.3%)

= $216,065 ($395,000 x 54.7%)

Amount of the QBI deduction = $43,213 ($216,065 x 20%)

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