The term ___________________ describes the proportion of deposits that the bank must hold in the form of reserves that are not loaned out or invested in bonds. reserve ratio reserve funds term deposits bond reserves'

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Answer 1

The answer is reserve ratio.

The Federal Reserve in the United States sets the minimum amount of cash that each bank must hold, known as the reserve ratio.

In the past, the reserve rate of bank deposits has varied between 0% and 10%.

The minimal amount of cash that financial institutions must keep on hand in order to comply with central bank standards is known as bank reserves.

The bank must store this actual paper money in a vault on the property or in an account with the national bank.

The purpose of the cash reserve regulations is to make sure that every bank has enough cash on hand to handle any significant and unforeseen demand for withdrawals.

Hence, The term reserve ratio describes the proportion of deposits that the bank must hold in the form of reserves that are not loaned out or invested in bonds.

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Related Questions

The CEO of a multinational company finds that profits are drastically decreasing. He realizes that employees need to be immediately made aware of the challenges faces the company, and he wants them to know he is personally concerned. The company has several branches in various parts of the world. What is the most appropriate media for the CEO to use

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The CEO should use videoconference. In general, one should deliver straightforward and routine communications through less rich media and challenging and unique messages through richer media.

What are the advantages of Media in Business?Helps in getting more awareness about the business to the employees, clients and public.Cheap way of communicationWith the advent of social media, advertisements can be made easy and convenientlyPeople can compare different productsFirms can maintain coordination of its employeesRecruit new hireTo conduct market research and ask for reviewsIt provides great exposureIt provides a powerful marketing platform for freeIt facilitates online discussions and meeting via videoconferencing, voice calls, etc. Helps to reach a larger audience and inform a common thing.

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Milton friedman believed that free market capitalism was the ultimate expression of individual liberty, and he has found a receptive audience ever since. Identify the libertarian conservative ideals that grew increasingly prominent in the 1950s.

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The libertarian ideals Friedman advocated for in ‘Capitalism and Freedom’ include a free market, a free-floating exchange rate, a uniform flat tax, ending the mandatory licensing of physicians, and the introduction of a system of vouchers for school education. Friedman argues for economic freedom as a precondition for political freedom.

The smashed tomato and the violent red splatter on the wall are a clear indication of anger and opposition to school integration.

Although it was a nationwide phenomenon, 1950s suburbanization gathered its greatest momentum in the West. Although Americans in the 1950s grew more intensely religious, fewer than ever were affiliated with religious institutions.

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_____ theory is based on the premise that an individual's intention to work toward a goal is a primary source of motivation. Group of answer choices Expectancy Goal-setting Scientific management Equity

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Option B. Goal setting theory is the premise that an individual's intention to work toward a goal is a primary source of motivation.

What does it mean to set goals?

This is one of the ways that people are able to meet up with the plans that they make.

To make goals means to make a list of the things that a person may want to achieve and the ways they plan to carry out their plans.

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gAlex has been the highest performer within his department for the last five years. Vera, the Head of the Division in which Alex works, has decided to promote Alex to reward him for his hard work and dedication to the firm. Vera believes that his technical proficiency will inspire the rest of the team to work harder and become more accurate. Is Vera's reasoning sound

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(B) No, human relations skills are just as important as technical expertise.

What is technical expertise?Technical skills are the particular knowledge and competence required in real-world circumstances to complete certain jobs and use specific equipment and programs. From information technology and corporate administration to health care and education, diverse technical abilities are necessary for almost every sector and industry.Technical skills are the particular knowledge and competence required in real-world circumstances to complete certain jobs and use specific equipment and programs. From information technology and corporate administration to health care and education, diverse technical abilities are necessary for almost every sector and industry.What are relations skills?This includes communicating openly, actively listening, cooperating, refusing improper social pressure, constructively negotiating disagreement, and seeking and offering assistance when needed. Relationship skills are essential for personal and professional success.Trust, respect, self-awareness, inclusiveness, and open communication are all required for a healthy professional relationship. Let's take a closer look at each of these traits. You can be open and honest in your ideas and actions when you trust your team members.

So, in this instance, Vera is attempting to argue that interpersonal skills are just as vital as technical skills.

Therefore, the correct option is (B) No, human relations skills are just as important as technical expertise.

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Complete question:

Alex has been the highest performer within his department for the last five years. Vera, the Head of the Division in which Alex works, has decided to promote Alex to reward him for his hard work and dedication to the firm. Vera believes that his technical proficiency will inspire the rest of the team to work harder and become more accurate.

Is Vera's reasoning sound? Does Alex's technical proficiency help to ensure his success as a manager?

a. Yes, Alex's high expectations will make him a better manager.

b. No, human relations skills are just as important as technical expertise.

c. Yes, technical proficiency is the key to managerial success.

d. Yes, technical proficiency in a manager is inspirational to teams.

The fact that a few improvements in a few key areas of operations will have more impact than many improvements in many other areas is consistent with the

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The concept of Pareto phenomenon is observed where a few improvements in a few key areas of operations have more impact than many improvements in many other areas.

What is a Pareto phenomenon?

The principle states that for many outcomes like roughly 80% of consequences come from 20% of the causes.

Hence, this concept is observed where a few improvements in a few key areas of operations have more impact than many improvements in many other areas.

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The following information relates to the manufacturing operations of the Abbra Publishing Company for the year: Beginning Ending Raw materials inventory $ 547,000 $ 610,000 The raw materials used in manufacturing during the year totaled $1,018,000. Raw materials purchased during the year amount to:

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Raw materials purchased during the year amount to: $1,081,000

Giving the following information:

Beginning Ending Raw materials inventory$547,000 $610,000

The raw materials used in manufacturing during the year totaled $1,018,000

To calculate the direct material purchased, we need to use the following formula:

Beginning Raw Materials + Purchases – Ending Raw Materials = Raw Materials Used

$547,000 + Purchases – $610,000 = $1,018,000;

Purchases = $1,018,000 + $610,000 – $547,000 = $1,081,000

What is the Cost of Raw Materials Purchased?

Purchases of raw materials, consumables and services are purchases of all commodities used as inputs in the production process and of services related to the supply of factors of production, such as renting property or equipment, leasing, temporary staff, and, in general, all outside services purchased for own use.

The cost of raw materials purchased can therefore be calculated as follows: Raw Materials Purchased = (Ending Inventory – Beginning Inventory) + Cost of Goods Sold. A direct material purchases budget determines the quantity of material purchased within a production period.

Your question is incomplete, but most probably your full question was:

The following information relates to the manufacturing operations of the Abbra Publishing Company for the year:

Beginning Ending Raw materials inventory $547,000 $610,000.The raw materials used in manufacturing during the year totaled $1,018,000. Raw materials purchased during the year amount to:

A. $955,000.

B. $892,000.

C. $1,565,000.

D. $408,000.

E. $1,081,000.

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According to the tort doctrine of ________, any time an employee is liable for tortious acts in the scope of employment, the employer is also liable. Group of answer choices nolo contendere respondeat superior promissory estoppel novation frolic and detour

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According to the tort doctrine of respondeat superior , any time an employee is liable for tortious acts in the scope of employment,

What is tortious acts?

Tortious acts is an act that occur when a person is harm as a result of another action which inturn lead to legal liability for the person who committed the act.

Hence, Respondeat superior stated that an when an employee is liable for committing  tortious acts the employer is as well liable for the same act.

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Which speaker is most likely to make high-risk investments?
Speaker A: I want to invest in
lot of different companies. You never know
when a company is going to have a surprisingly good or bad year.
Speaker B: I invest to get as much money as I can as quickly as I can. I'm not
worried about losing money at all.
Speaker C: I'm nearing retirement, so I need to make sure my investments are
safe. The worst thing that could happen would be losing all of my investments
right before I need them.
Speaker D: I'm concerned that investment is always risky. I prefer to hold onto
my money instead of investing it in companies or banks.
• A. Speaker B
• B. Speaker D
• c. Speaker C
• D. Speaker A

Answers

A. Speaker B because he’s not worried about losing money - or he’s not risk averse.

A company should select the capital structure that Blank______. Multiple choice question. results in the lowest taxes maximizes the company's value has the lowest leverage results in the lowest debt

Answers

A company should select the capital structure that maximizes the company's value.

A company's capital structure refers to its decisions regarding the upkeep of financing.

Company size and maturity determines capital structure. The capital used for financing a business is referred to as its capital structure. Shareholder's equity, debt, and preferred stock are all included in the balance sheet that is finally drawn up under the capital structure of a company. Capital structure enumerates the funds that help the company operate, hence its importance for the company. To maximize the company's value it becomes increasingly important for the company to select an ideal capital structure.

Therefore, a company should select the capital structure that maximizes the company's value.

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Which should be included in a firm's business model?

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A firm's expected revenues and expenses are what should be included in a firm's business model.

What is a business model?

A business model is document that contains processes and procedures of how a company would operate.

This document is important for effective organization control and also assist coordinate business relationships amongst stakeholders

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Luxury motors introduced a new car to its already popular sedan line. The new car sold very well in its first year, so the company was surprised to find that its overall sales volume remained about the same as did its market share. What is the likely reason for this

Answers

The company experienced cannibalization from the new car from its existing product line.

The new car's cannibalization of the company's existing product range occurred is the likely reason for this.

What is meant by car's cannibalization?

To take out salvageable parts from something, as a broken machine in order to put something else together or fix it. To include a part taken from one thing into the building, repairing, or making of another object.

One of the most well-known examples of product cannibalization is Coca-Cola. Coca-Cola offers a number of products that compete for the same customers, from cherry coke and vanilla coke to coke zero. This phenomenon reduces market share and revenue for each party involved.

Although the introduction of a new product line will inevitably lead to product cannibalization.

Thus, The new car's cannibalization of the company's existing product range occurred.

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which organization issues auditing standards, carries out inspections of public accounting firms auditing us public clients, and imposes sanctions

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The Public Company Accounting Oversight Board (PCAOB) issues auditing standards, carries out inspections of public accounting firms auditing public clients, and imposes sanctions.

What are sanctions?Economic sanctions are financial and commercial penalties imposed by one or more nations against a particular self-governing state, group, or person. Economic sanctions may be used for a number of political, military, and social reasons in addition to difficult economic conditions. What is The Public Company Accounting Oversight Board (PCAOB)?The Sarbanes-Oxley Act of 2002 established the Public Company Accounting Oversight Board (PCAOB), a nonprofit organization, to supervise the audits of public companies and other issuers in order to safeguard investor interests and advance the public interest in the creation of informative, accurate, and independent audit reports. In order to protect investors, the PCAOB also controls the audits of broker-dealers, including compliance reports submitted in accordance with federal securities laws. The U.S. Securities and Exchange Commission must approve all PCAOB regulations and standards (SEC).

Therefore, the Public Company Accounting Oversight Board (PCAOB) issues auditing standards, carries out inspections of public accounting firms auditing public clients, and imposes sanctions.

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Upon beginning her career at Davidson Inc., a small consulting firm, Stephanie Benjamin receives a copy of the firm's organization chart, which will

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clarify positions and reporting relationships within the firm will be Upon beginning her career at Davidson Inc., a small consulting firm, Stephanie Benjamin receives a copy of the firm's organization chart.

What is a consulting firm?

A consulting firm is an organisation made up of specialists in a certain area who provide firms with problems they can't handle internally with expert advice, direction, and workable solutions. Every business will inevitably run into issues, and consulting firms are hired to help.

Executives typically contact consulting companies to send consultants—industry experts who are sent to watch and assess a company's operations. Consultants provide direction and practical answers to whatever issues the organisation may be facing. Companies use consulting firms to provide their knowledge on issues that cannot be resolved internally. These firms typically have specialised areas of emphasis.

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A trademark becomes ________ when, through the owner's actions or another's inappropriate use, the mark becomes synonymous in the consumers' mind with the name of the goods or services. Group of answer choices copied distinctive infringed generic substituted

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The trademark will become generic.

A generic trademark, also known as a genericized trademark or proprietary eponym, is a trademark or brand name that has become the generic word for, or synonymous to, a wide class of products or the services, frequently against the trademark's owner's wishes.

Generic words are never eligible for trademark protection. They are phrases or symbols that convey the sort of goods or service being provided. The names "email" and "modem" are both generic. Similarly, "cereal" is a grass whose edible component is utilized for breakfast.

Generic terms cannot be registered under trademark law, and the proprietor is not protected.

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Jose is CEO of a small tech start-up. He uses the power of his position to help his employees grow and succeed. Jose is using ________ power. Group of answer choices personalized affiliated intrinsic socialized

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Jose uses the power of his position to help his employees grow and succeed. Jose is using socialized power.

What is Socialised Power? Effective leadership is frequently linked to socialized power demand. Instead of just advancing the position and wealth of the leader, these leaders use their influence in ways that are socially beneficial to others and the organization. They crave power because it is only with the power that things can be done.People are the wellspring of social power. Society derives its force from people's aspirations, vigor, and capacities. Individual power becomes societal power when it is organized and directed through a system.Power is necessary to effect change. Changes can be achieved when there is no power, but it will take a lot of fight and effort to make even a small difference.

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Can I Plss get some help on this thank you

Answers

Answer:

the United state has a comparative advantage in producing coal

On March 1, Job 10 had a beginning balance of $500. During March, direct materials of $800 and direct labor of $300 were added to the job. Overhead is applied to production at a rate of 40% of direct labor. There are four units in Job 10. What is the unit cost? a.$312 b.$492 c.$850 d.$430

Answers

430 is the unit cost.

CALCULATE UNIT COST :

Beginning work in process  500.

Direct material                     800.

Direct labour                         300.

Overhead (300*40%)           120.

Total cost of job                    1720.

Units                                      4.

Unit cost                                430.

What is direct labor vs indirect labor?Depending on the worker's contribution to the production process, labor expenses are typically divided into direct and indirect labor costs. While work performed on specific commodities or services is considered direct labor, employee activity that cannot be linked to or charged to the provision of goods or services is considered indirect labor.What is direct Labour cost example?The hourly wage of a quality assurance inspector adjusted to incorporate healthcare benefits and short-term disability is one illustration of a direct labor cost. The annual wage of a welder who works on the production line of a business that makes steel parts could serve as another illustration.

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The trend of the world economy toward becoming a more interdependent system is known as:.

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Globalization.

Globalization is the trend of the world economy toward becoming a more interdependent system. The shrinking of time and space making it easier for people to communicate is referred to as the global village. The term "global village" refers to the tendency for all cultures to become more alike.

Globalization refers to the process by which technological, economic, political, and cultural exchanges make the world a more interconnected and interdependent place.

Globalization is a term used to describe how trade and technology have made the world into a more connected and interdependent place. Globalization also captures in its scope the economic and social changes that have come about as a result.

Global Interconnectedness refers to the ability to understand and function in an increasingly multicultural, international, yet interconnected environment. It fosters the development of individuals to become successful professionals, civic leaders, and informed citizens in a diverse national and global society.

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On August 22, 20X1, an employee of Bell Company mistakenly debited the Truck Expense account rather than the Repair Expense account when recording a bill of $775 for repairs. The error was discovered on October 1. Prepare a general journal entry to correct the error.

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The general journal entry to correct the error will be :

Repair expense Account ....dr.                         $775

       To Truck expense Account                                    $775

The entry to correct the error is called rectification entry.

In the given question the employee debited the Truck Expense account instead of the Repair Expense account when recording a bill of $775 for repairs.

Therefore, to rectify this mistake we will credit the Truck Expense account to cancel the wrong debit. And debit the Repair Expense account as it should be debited in the first place.

Since this error was discovered on October 1. The correct entry will be passed on this date only.

Hence. the rectification entry becomes:

Repair expense Account ....dr.                         $775

       To Truck expense Account                                    $775

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Kate contracts Ofc Depot Inc. to install air conditioning units for each office in her company. Kate wanted the work to be done in two days, but Ofc Depot took three days to complete the work. Which of the following statements is most likely to be true in this scenario? Group of answer choices Kate can sue Ofc Depot for material breach of contract. Kate can refuse payment to Ofc Depot. Both Kate and Ofc Depot must consult a neutral third party to resolve their contractual dispute. Ofc Depot is entitled to full recovery under the contract. Ofc Depot is entitled to a partial recovery under the contract.

Answers

The answer is, Ofc Depot is entitled to a partial recovery under the contract.

What is the meaning of immediate recovery?The most frequent type of recovery, immediate or short-term, happens shortly after an exercise session or other activity. Low-intensity activity after working out and during the cool-down period is part of short-term healing.

What is short term recovery?Response and short-term healing occur simultaneously and are overlapping. It entails undertaking tasks including restoring interrupted utility and other necessary services, reopening transportation routes, and offering food and shelter to individuals who were displaced by the catastrophe.

What are the 5 stages of recovery?Precontemplation, contemplation, preparation, action, and maintenance are the five stages of addiction treatment.

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Brother Company uses variable costing. Their direct materials are $8, direct labor is $6 and total overhead is $5 of which $3 is variable. What is Brother Company's total unit cost

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If Brother Company uses variable costing. Brother Company's total unit cost is $17.

Total unit cost

Using this formula

Total unit cos=Direct materials+Direct labor+ Variable

Let plug in the formula

Total unit cost=$8+$6+$3

Total unit cost=$17

Therefore If Brother Company uses variable costing. Brother Company's total unit cost is $17.

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Volatility or Blank______ increases for equity holders when leverage increases. Multiple choice question. inevitability certainty yield-to-maturity

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The factors that increase for equity holders when the amount of leverage increases is d. risk.

What does an increase in leverage lead to?

When there is an increase in the leverage that a company holds, the worry that the company will not be able to pay off the debt also increases.

This leads to more risk and volatility in company stock which would be felt by equity holders.

Remaining part of question:
a. inevitability.

b. certainty.

c. yield-to-maturity

d. risk.

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Goods or services that are provided by the government because they are not supplied or insufficiently supplied by the market are known as

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The good produced by the government because it is inefficiently supplied by the market is known as a public good.

What is a public good?

A public good is a good that is non excludable and non-rivalrous. Public goods are usually produced by the government because they are too expensive to be produced by the market or because the market produces them inefficiently.

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Vera gives Will a $500 check as payment for a debt. Will crudely increases the amount of the check to $5,000 and deposits the check in his First Bank account. Vera is liable for the payment of $5,000 to

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Answer:

No one

Explanation:

Vera is liable for the payment of $5,000 to no one.

Repayment of Borrowed Money: Repayment of Debt Many people struggle to repay their debt.

Simply put, if you agree to borrow and repay the money, you are in debt. Common examples include student loans, mortgages, and credit card purchases.

How to repay debt faster:

Pay more than the minimum amount. ... 44 Pay more than once in April. ...Pay off the most expensive loan first. ..Consider a snowball method of paying off your debt. ...Track your invoice and pay in less time. ...Shorten the loan term. ...Consolidate multiple debts.

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Helping a new employee learn the ropes of the organization and fit easily into the new job is known as ______.

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Helping a new employee learn the ropes of the organization and fit easily into the new job is known aa orientation in human resource development .

Human resource development

Human resource development (HRD) is defined as the cultivation of an organization's employees. It entails providing workers with skills and relevant knowledge that may help them to grow in the workplace. That makes human resource development an integral part of human resource management.

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Nikki is buying a new house and new furniture to decorate her new home. What kind of tax — progressive or regressive — will Nikki pay on each of her new purchases?

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A regressive tax is that tax rate that Nikki will pay on the purchase on the new house and new furniture.

What is a regressive tax?

This refers to a tax for which the percentage of income paid in taxes decreases as income increases.

These tax type are paid regardless of income such as the sales taxes, sin taxes, and property taxes.

Therefore, the regressive tax is that tax rate that Nikki will pay on the purchase on the new house and new furniture.

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What is the nominal interest rate when the real interest rate is 3.5% and the inflation rate is 5.4%

Answers

Answer:

3.15

Explanation:

because the inflation will lift up the interest rate so the deduction will be big through multiple times of people

I got this question on my quiz a few weeks ago and was wondering if anyone could explain the best/correct answer.

I'm currently leaning towards the last option, but I'm not sure.

Answers

Answer:

Easy it's B, this is because the rate at which we earn interest with only 1000$ does not keep up with the maintenance fee.

In B u get $1010 because of the interest after the first year,

In D u get $960 because if u get an annual interest of 2% from $1000 u get a total of $1020 but deduction from maintenance fee is $60 per year, Thus $1020-$60 = $960. Same explaination for the others as well.

HUD, Co. had a beginning retained earnings of $29,825. For the year, the company had net income of $6,540 and paid dividends of $2,550. The company also issued $4,450 in new stock during the year. What is the ending retained earnings balance

Answers

Answer:

$38,265

Explanation:

Beg RE = $29,825

Plus Net Income = $6,540

Minus Dividends = ($2550)

Plus New Stock = $4450

Ending RE = $38,265

A business owner makes 50 items a day. He spends 8 hours in producing those items. If hired elsewhere he could have earned $10 an hour. The item sells for $10 each. Production occurs seven days a week. If the total costs are $10,000 a month, the accounting profit for the month equals:

Answers

Accounting profits for the month = $4,000.

What is production?In order to create anything for consumption, several material and immaterial inputs are combined during the production process.It is the process of producing output, a good or service that has value and enhances people's usefulness.What are profits?The difference between an economic entity's revenue from its outputs and the opportunity costs of its inputs is what is known as a profit. It is equivalent to total income less total expenses, which includes both direct and indirect expenses.Solution -

Production happens 7 days a week.

Let,s tale 28 days in a month (4 weeks in a month)

50 items are produced every day and each costs $10.

50 × 10 = $500 (Daily sale)

Monthly sale = 500 × 28 = $14,000 (Monthly revenue)

Cost of production per month = $10,000.

Profit = 14,000 - 10,000 = $4,000.

Therefore, accounting profits for the month = $4,000.

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Regular formal review and subsequent legislative affirmation to determine that if a state agency or program is to continue is known as What is the solution Please select the word from the list that best fits the definitionFaceLa cabezaLa caraLa piernaEl brazoLa bocaLa mano You work as an assistant for a local musical theatre group, the Main Street Theatre Company. The company is putting on a production of Les Misrables this year, and they need your help planning it.Since the role of young Cosette is played by a child, the Main Street Theatre company must actually cast 3 girls in the role of young Cosette, and alternate girls from night to night. (This is because of restrictions on working hours for children.) You have received headshots and resumes from 25 girls who wish to audition for young Cosette.Does order matter when casting the 3 young Cosettes? (In other words, are young Cosette 1, young Cosette 2, and young Cosette 3 different parts?)No, all three girls will play the same part.Yes, even though they will all be playing the same part, it will be on different nights.No, all three girls will get paid the same amount.Yes, young Cosette 1, young Cosette 2, and young Cosette 3 are all different parts. The value of Gfor a reaction conducted at 25C is 2.8 KJ/mol. The equilibrium for a reaction is _____ at this temperature. Someone please help me out with this one. If LM=XY, then LM-GH= Andrew likes to know what the weather will be like. To get a weather forecast on his Android smart phone, he has a reminder _______. Andrew thinks of this as a remote control for his app. a. podcast b. network c. widget d. RSS feed what might be a scientific question The owner of an undeveloped lot agrees to sell the lot to a buyer. The written agreement identifies the parties, describes the property in sufficient detail, specifies the price to be paid, and spells out the payment terms. The agreement is signed by the owner. In accord with the agreement, the buyer pays the required down payment to the owner. Subsequently, the buyer constructs a garage on the lot as the first step towards building a three-story residence, but, due to a financial reversal, abandons his construction efforts.May the seller bring an action to compel the buyer to complete the purchase? I need help please!!! Use the boxes below to type the CORRECT spelling of the underlinedverbs in French. NOTE: Angles not necessarily drawn to scale. An aqueous solution contains32.7% KCI (weight/weight %).What is the mole fraction of KCI inthis aqueous solution?Molar MassKCI: 74.55 g/molHO: 18.016 g/molEnter text hereEnter a train travels 8.81 m/s in a -51.0 direction. the train accelerates 2.23 subtext1 Which best describes the purpose of the words "black shadow," "grim," "grisly," and "sword"? to impart a sorrowful mood to impart a solemn mood to establish the early morning setting to establish the militant jailhouse setting What statement is supported by the table of candidate support by level, 2016 What's the comparison between a narrative and a lyric poem Investigate the following list of performances. Cyrano de Bergerac (pice de thtre) Notre Dame de Paris (comdie musicale). Giselle (ballet) Le Carnaval des Animaux (suite d'orchestre)Chose the performance that most appeals to you. Then, use sources from the Internet or from your school or local library to do in-depth researchon your favorite performance. Watch videos on the performance, if possible.Write a one paragraph (6-8 sentences) reflection, in English, in response to the following: Describe the set, characters, and/or instrumentation. Give some basic information about the story, the plot and/or the purpose.Reflect on the performance that you saw: What did you like? What did you not like? What was surprising?Have you been to a live performance before? How did it compare to this one? Which statement about cooperative learning is correct?O Cooperative learning only benefits the students with lower skills.O Cooperative learning improves recall and critical thinking ability.O Cooperative learning is based on the work of Piaget.O Cooperative learning only benefits the students with higher skills. The ______ is a measure of the average rate of return a Bond Investor will earn if the investor buys the bond and holds until maturity.