The reserves amount is $500.
What are reserves amount?
The reserves amount means the portion of deposits the bank has received from customers that it must hold on to and not give out as loans to its borrowers, it is usually a percentage of the deposits made by the bank as it is 10% of total bank's deposits in this case.
The reserves amount is mandatory cash the bank must keep as required by the supervisory bank such as the central banks.
It is compulsory, so as to make provisions for unexpected withdrawal requests that depositors could make so as to avoid a situation the bank runs out of cash , where cash is non-available to meet the requests of depositors for funds kept with the bank.
reserves amount=reserve %*deposits
reserve ratio=10%
deposits=$5,000
reserves amount=10%*$5,000
reserves amount=$500
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According to the census bureau, the average college graduate who takes out loans leaves with?
The average college graduate who takes out loans departs with $[tex]27,000[/tex]in debt, according to the census agency.
At Morehouse College's commencement ceremony on Sunday, Robert F. Smith, the founder of the private equity firm Vista Equity Partners, declared that he would donate an estimated $[tex]40[/tex] million to pay off the student debt owed by the [tex]2019[/tex] graduating class. The announcement rekindled the continuing discussion about how rising student debt will affect American college graduates. The Federal Reserve reports that more than half of young adults who attended college in[tex]2018[/tex] had debt. According to Student Loan Hero, [tex]69[/tex]% of [tex]2018[/tex] graduating students had student loan debt, with an average sum of $[tex]29,800[/tex].
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According to the census bureau, the average college graduate who takes out loans leaves with $27,000 in debt.
A key component of the U.S. Federal Statistical System, the United States Census Bureau (USCB), sometimes known as the Bureau of the Census, is in charge of gathering information on the population and economy of the United States. The director of the Census Bureau, which is a division of the U.S. Department of Commerce, is chosen by the president of the United States.
The largest statistics organization within the federal government is the Census Bureau. We are committed to offering up-to-date information on the people, places, and economy of America. The confidentiality of every piece of data the Census Bureau gathers is safeguarded by federal law.
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The inability to sell infrequently traded investments (resulting in a loss of value) describes?
The inability to sell infrequently traded investments (resulting in a loss of value) describes liquidity risk.
A company's or an individual's liquidity refers to its capacity to settle its debts without suffering severe losses.
Liquidity measurement ratios are used by creditors, managers, and investors to assess the risk of a business.
Liquidity risk occurs when a company, organization, or financial institution is unable to pay its short-term debt obligations.
When a company, organization, or financial institution is unable to pay its short-term debt obligations, liquidity risk arises.
There may not be enough bidders or an inefficient market, which would prevent the investor or company from selling the asset for cash without forfeiting money and income.
Hence, liquidity risk is the answer.
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A _____ is a single-flow process that is used for high-volume nondiscrete, standardized products.
A Continous Process is a single-flow process that is used for high-volume non-discrete, standardized products. The continuous flow process is a method where goods are continuously produced at a single facility utilizing a single process without any downtime. Pharmaceutical tablet production lines use batch manufacturing, which involves creating tablets in numerous processes in groups.
Why continuous process is better than a batch process?A continuous flow, or one that isn't paused by the completion of individual batches, is undoubtedly more effective in some situations. Processing in this way can result in less waste, more inventory produced in a shorter amount of time, and better client needs adaptation.
Continuous production is another name for flow production. It makes it possible to produce a product on an assembly line in several steps. The continual flow of goods through the production process serves as its defining characteristic. In this production process, large quantities of the same commodities are continuously manufactured.
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Under the direct write-off method of uncollectible accounts, if a written off account is later collected, the effect on the accounting equation is:________
Under the direct write-off method of uncollectible accounts, if a written-off account is later collected, the effect on the accounting equation is expected to be collected in the following period.
When a small business believes an invoice is uncollectible, they can instantly debit the Bad Debts Expense account and credit Accounts Receivable under the direct write-off technique. As a result, both the income that was recorded and the balance that was still owed to the company were removed from the books.
The generally accepted accounting standards, or GAAP, are broken by the direct write-off approach. According to GAAP, all costs associated with recorded revenue must be incurred during the same accounting period. Accounting Tools refers to this as the matching principle.
However, when a company decides an invoice won't be paid, the write-off method enables money to be expensed. This gives the impression that a business is more profitable than it actually is, at least in the short term.
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Consider an economy that is operating at its steady state. an increase in the investment rate in this economy will lead to:______
Consider an economy that is operating at its steady state. an increase in the investment rate in this economy will lead to a temporary increase in the growth rate.
In the Solow model, a larger saving rate has no long-term impact on the growth rate. Higher steady-state capital stock and level of output do follow a higher saving rate. The growth rate briefly increases as production changes from a lower to a higher steady-state level. Low rates of saving the result in small capital stock in the steady state and low levels of output in the steady state. Only in the near run do higher savings translate into quicker economic development. Up until the economy reaches its new steady state, an increase in the saving rate causes growth to accelerate.
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Describe the main differences for revenue spending between ""for profit"" companies and ""not for profit"" companies
Revenue sources for nonprofit organizations include subscriptions, membership fees, donations, and so on. The sources of revenue for for-profit organizations are sales of goods and services. Even the seed capital for nonprofit organizations is provided by the government in the form of grants, donations from HNI (high net-worth individuals), and so on.
In contrast, in for-profit organizations, seed capital is typically provided by partners or business owners. The total amount of income generated by the sale of goods and services related to the company's primary operations is referred to as revenue. Because it appears at the top of the income statement, revenue is also known as gross sales.
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The process of developing an approximation of the cost of the monetary resources needed to complete project activities is known as:
The process of developing an approximation of the cost of the monetary resources needed to complete project activities is known as: Estimate Cost.
What do you mean by Estimate Cost?The term cost estimation is refers to as the process of estimating all of the costs together with completing a project as per its timeline.
Firstly, high-level estimation are used in the beginning stages of project planning and can determine whether or not a project is ultimately pursued.
Once a project is approved and an organization started gather more detailed and granular cost estimates become necessary.
A thorough cost estimate should include both the direct and indirect costs associated with bringing a project through to completion. Depending on the specifics of the venture, this will likely include various overhead costs.
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What business problem are maryann and nana attempting to resolve through marketing research?
Customers want Crepes a la Nana to expand their breakfast menu, but MaryAnn and Nana are puzzled.
What is the customer wants?A key business issue is not knowing what your clients want.Profit losses, unfavorable publicity, and damage to the company's reputation are some of the negative effects of failing to meet clients' expectations. Finding solutions that are feasible, compatible with your brand, and guaranteed to exceed customer expectations is not as difficult as it appears.Knowing and understanding consumer demands is fundamental to any successful organization, whether it sells to individuals or other enterprises. Once you have this information, you can use it to persuade future and current clients that doing business with you is in their best interests.In the situation of Maryann and nana, they do not know what their customers want.
Therefore, customers want Crepes a la Nana to expand their breakfast menu, but MaryAnn and Nana are puzzled.
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You are scheduled to receive $10,000 in one year. what will be the effect of an increase in the interest rate on the future value of this cash flow?
The present value of these cash flows is reduced by rising interest rates. as soon as interest rates rise.
National 30-Year Mortgage Rate Trends Today
For homeowners looking to refinance, today's national average 30-Year Fixed Refinancing Rate is 5.40%, which is It's up two basis points. Last time corresponds to the week. On Monday, August 8, 2022, the national average effective interest rate for 30-year fixed rate mortgages is 5.610%.
Mortgage interest rates are constantly changing. Therefore, a good mortgage rate can vary greatly from day to day. Currently, suitable mortgage rates for 15-year term loans are low in the high 3% or 4% range, while suitable interest rates for 30-year mortgages are generally in the high 4% or low range. . 5% range.
Mortgage interest rates are currently around 5.5% and are expected to rise to 5.5% to 6% by the end of 2022. %
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What's the best strategy if you don't get into graduate school the first time you apply?
One might think about reapplying to graduate programs that have a better fit for their qualifications if they are not admitted the first time they apply. This demonstrates the value of having a plan B. Graduating from a graduate program is recommended because it will improve your work prospects.
Academic records, a personal statement, letters of recommendation, research experience, and fit with the program/advisor are the five key criteria that most institutions consider when choosing graduate students. As with undergrad, getting into graduate school is difficult, but the difficulty varies greatly based on the schools and program you're pursuing.
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There is a degree of task specialization in all societies. In the danakil region of eritrea, the afar men occasionally mine what mineral as a trade good?
Salt was the mineral that the afar men occasionally mined as a trade good.
Wendy claims that the right mix of hamburgers and other goods is being produced, but that they are not being produced in the least costly way. How would an economist assess wendy's claim?
Wendy claims that the right mix of hamburgers and other goods is being produced, but that they are not being produced in the least costly way. Economist assess it in the way of allocative efficiency as well as the productive efficiency.
According to Wendy, allocative efficiency is achieved because the right mix of hamburger is produced, but at the same time productive efficiency is not achieved because the production is not utilizing cheapest possible means of producing the goods.
Allocative efficiency occurs when the consumer demand is completely met by the supply. In the other words, businesses are providing the exact supply which the consumers want.
Allocative efficiency occurs from the producers side as well as the consumers side. This happens when the demand is fully met, and production is optimized until marginal costs = marginal revenue . It means that no more profits are made.
Productive efficiency occurs when the businesses focuses on producing a good at the lowest possible cost.
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What is the probability that a randomly selected airfare between these two cities will be between $325 and $425?
The probability that a randomly selected airfare between these two cities will be between $325 and $425 is 5275.
Probability is a branch of mathematics that quantifies the likelihood of an event occurring or the likelihood of a statement being true. The probability of an event is a number between 0 and 1, with approximately 0 indicating the improbability of the event and 1 indicating certainty.
1a(1): Probability of a particular event occurring.
(2): the ratio of the number of outcomes in an exhaustive set of equally probable outcomes producing a particular event to the total number of possible outcomes.
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What is the yield to maturity of a consol with a coupon of $85 and a price of $944.44?
The yield to maturity(YTM) of a consol with a coupon of $85 and a price of $944.44 is 9%.
Given,
Coupon(C) = $85
Price(P) = $944.44
The yield to maturity (YTM) of a bond represents the percentage rate of return if an investor retains the bond until it matures.
It represents the total of all outstanding coupon payments.
Whereas, the annual interest payment that the bond's owner will get is determined by the coupon rate.
Using the YTM formula,
YTM = C/P
Now, substituting the given values in the above formula we gat,
YTM = $85/$944.44
= 0.09
= 9%
Hence, YTM is 9% for the given question.
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A firm that markets products with high value (like electronics) would likely have?
A firm that markets products with high value (like electronics) would likely have a limited number of centrally located warehouses.
The main function of a warehouse is to store products or goods before moving them to another location. However, there may be some secondary storage features that expand your camping space.
The six basic warehousing processes include receiving, storing, storing, picking, packing and shipping. By optimizing these six processes, you can streamline your warehouse operations, reduce costs and errors, and achieve higher perfect order rates.
A warehouse is a physical location where inventory of goods is stored. By optimizing storage space and placing products in the right location in the warehouse, products can be tracked and shipped in a timely manner.
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Sidewinder, inc. , has sales of $634,000, costs of $328,000, depreciation expense of $73,000, interest expense of $38,000, and a tax rate of 21 percent. What is the net income for this firm?
The net income for this firm is:
1) 638,000 - 329,000 - 74,000 = 235,000
2) 235,000 - 39,000 = 196,000
3) 196,000 * .21 = 41,160
4) 196,000 - 41,160 = $154,840
Net income can either be added to retained earnings by the company or given as a dividend to ordinary stockholders.
Net earnings and net profit are frequently used as synonyms for net income because profit and earnings are used interchangeably for income.
Net income is frequently substituted with the word income, but this is not preferred owing to potential ambiguity.
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Aimee has an internal locus of control. Her manager should?
Aimee has an internal locus of control. Her manager should provide an incentive structure to pay Aimee.
What is the incentive structure?
The group of assured benefits and/or penalties that entice people to engage in a particular action or make a particular choice.
Why are incentives important?
Rewards and incentives at work provide advantages for both employees and employers when it comes to employees. Employee morale, work happiness, and motivation can all be enhanced when employers recognize employees for their performance and productivity.
What are the objectives of incentives?
Employees are rewarded through incentive schemes for accomplishing tasks or hitting goals. Benefits, which include items like health insurance or a 401(k) and are given to employees regardless of their performance, are not the same as incentives. In contrast, rewards must be earned.
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What accounting method should hariette choose when she runs the profit and loss report?
Hariette should choose cash basis of accounting when she runs the profit and loss report. A company's reporting guidelines and practices for revenues and expenses make up its accounting method. Cash accounting and accrual accounting are the two primary accounting techniques.
Revenues and costs are recorded in cash accounting when they are received and paid. There are three different accounting methods: modified cash basis, cash basis, and accrual basis. Let's briefly review the fundamentals before we discuss which types of firms use certain accounting techniques.
If you only consider popularity, accrual accounting comes out on top since it is both the most popular and the most accurate techniques.
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The __________________ is the relationship between the number of inputs (such as units of labor) that a firm uses and the resulting units of output (such as quantity of widgets produced).
The Production function is the relationship between the number of inputs that a firm uses and the resulting units of output .
Production function --
A production function shows the output or total product as more of the variable input in our case labor is added. the function shows the regions of increasingly marginal product, decreasing marginal product and negative marginal product.
In economies , equation that expresses the relationship between the quantities of productive factors used and the amount of product obtained.Production function helps in making short term decisions, such as optimum level of output. Helps in making long term decisions, such as deciding the productive level. Helps in calculating the least cost combination of various factors inputs at a given level of output.
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When an immaterial error is discovered in the same year it is made before the financial statements are issued, what is the appropriate course of action?
The appropriate course of action to Replace the incorrect entry in the journal with the right one.
What is immaterial error?Immaterial errors are deviations from request requirements that have little, little, or no significant impact on the procurement process and do not negatively influence other vendors.
Does immaterial error corrections matter?The study's author, Preeti Choudhary, an associate professor of accounting, states: "Our findings imply that immaterial errors are an equal or better indicator of possible audit or financial reporting difficulties than significant errors remedied by restatements."
The appropriate course of action to Replace the incorrect entry in the journal with the right one.
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As the production volume doubles, the labor hours required decrease by a constant proportion. this is known as _____
As the production volume doubles, the labour hours required decrease by a constant proportion. This is known as leaning curve.
What is leaning curve?A learning curve graph demonstrates how quickly something may be learned over time or with practice. Learning curves are a visual representation of how much knowledge has been acquired over time and how challenging a subject is expected to be.
The cumulative average time needed for each unit decreases to 70% of what it was previously. The first unit ever produced is used to calculate the cumulative average time per unit.
Thus, it is leaning curve.
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Pete and Hollis are forming a new athletic wear company and plan to market their products in the United States. They have decided it will be best to create four different marketing campaigns since each region of the country has unique climates that match up with their clothing. What type of segmentation are they planning to use
Based on the fact that Pete and Hollis decided to create different campaigns depending on the region a place was located in meant that they chose Geographical segmentation.
What is Geographical segmentation?This is when a market is divided according to various regions and then products and marketing campaigns are tailor made for these regions.
One reason this is done is regions have varying characteristics such as climate and belief systems that make it imperative to approach offering products in a different manner.
Sometimes an area might just be so large that the only way to effectively market in that area is by dividing it into regions and groups.
In conclusion, this is geographical segmentation
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Please help me i’ll mark you brilliant
Explanation:
cash alc dr
to capital alc
to sales alc
furniture alc
A profit-maximizing firm in a competitive market will decrease production when marginal cost exceeds average revenue?
A profit-maximizing firm in a competitive market will decrease production when average revenue exceeds marginal cost equals price. In this case, the goal is for marginal revenue to equal marginal cost.
The marginal cost of production and marginal revenue are economic measures used to determine how much output and price per unit of a product will maximize profits. Total production costs include all expenses associated with manufacturing products at current levels.
A rational company will always try to squeeze out as much profit as possible, and the relationship between marginal revenue and marginal cost of production assists them in determining when this occurs.
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When developing new product, which is true of a new-product development strategy?
The new product development strategy should be compatible with the objectives of the marketing department, the business unit, and the corporation.
The conceptualization, design, development, and marketing of newly produced or recently rebranded goods or services are all steps in the process known as product development, sometimes known as new product management.
By meeting a consumer's need, product development aims to cultivate, maintain, and grow a company's market share.
A product's target market must be established early in the product development process because not every product will appeal to every customer or client group. At every stage of the design process, including before the product or service is conceptualized, during the product's development, and after it has been released, quantitative market research should be carried out.
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Inventory shipped fob shipping point and in transit on the last day of the year should be included in?
Inventory shipped FOB shipping point and in transit on the last day of the year should be included in the inventory balance of the seller.
If the goods are shipped Free On Board (FOB) shipping point, the transportation costs are paid by the buyer and the title passes when the carrier takes the possession of goods. Thus, these goods become the part of the buyer's inventory while in transit.
For instance, if the terms of the sale are Free On Board destination, the seller will not have a sale and receivable until January 2. This means the seller must include the cost of the goods in transit in its inventory as of December 31.
Hence, the answer is given and explained above.
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The inventory is added to the inventory records after three documents are reconciled. One of those documents is the?
The inventory is added to the inventory records after three documents are reconciled. One of those documents is the receiving report.
To record the contents of a delivery to a firm, a receiving report is employed. The employees of the company accepting the delivered items fill out the form. On a receiving report, the following details are often present: the moment the delivery was received, in both time and date.
Receiving reports typically have a heading with the name of the business, its address, the date, and a receiving report number. The date received, FOB terms, shipping company, and a list of the received goods are all included in a receiving report.
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________________ is a form of nonprobability sample using respondents who are convenient or readily accessible to the researcher—for example, employees, friends, or relatives.
Convenience sample is a form of nonprobability sample using respondents who are convenient or readily accessible to the researcher. The phrase "convenience sampling" is a method employed by researchers to collect data from a pool of respondents who are easily available for market research.
It is the most often utilized sample technique since it is so quick, simple, and affordable. If members choose to be part of the sample, they are frequently simple to get in touch with. Convenience sampling techniques include inviting respondents to take part in your study, gathering information from local sites, mailing surveys, and posting links on social media.
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Logistics, budgeting, supplier relations, purchasing, staffing, and more are tasks that require operations managers to:_________.
Logistics, budgeting, supplier relations, buying, staffing, and more are tasks that require operations managers to interact with every purposeful place of an enterprise.
Business operations are all the sports done behind the curtain to preserve the business jogging. In most groups, operations managers oversee the massive picture of their corporation. They may be chargeable for coping with techniques, purchasing, accounting, human sources, inventory, and IT. There are unique stages to an operations manager's profession route. Operations managers are on occasion additionally called chief operating officers or COOs. Their position is vital in making sure businesses run easily and have the whole lot they need to be effective.
The roles and capabilities of operations managers range among companies and departments. In widespread, operations managers specialize in one or more aspects of a commercial enterprise and oversee operations within their departments. you could upload the key responsibilities of operations managers at your commercial enterprise to our operations manager position description to create a descriptive process commercially.
Applicants with a diploma in enterprise management, business control, or accounting, and relevant enjoy in a position that might prepare them for the responsibility of operations managers are traditional qualifications.
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Heather works in the accounting department of Colorado Manufacturing. Today she will use the firm's ledger to summarize information that was posted over the most recent time period. Her goal is to determine if the accounts are balanced as required by the double-entry method of bookkeeping. To be sure they are correct, Heather will prepare a(n):
To be sure they are correct, Heather will prepare a trial balance
What is a trial balance?
A trial balance is arithmetic testing of the accuracy of ledger postings, where transactions posted into the ledgers are summarized to determine the correctness of the postings carried out.
In the trial balance, the asset balances are debited whereas the liability balances, such as accounts payable, loans payable, long-term debt as well as mortgage payable would be credited since an increase in liability means that obligations owed by the firm in question has increased and would be shown as corresponding increase in the affect liability accounts.
On the flipside, the increase in expenses are debited whereas the increase in income is to be credited to the respective income accounts such as sales revenue.
In essence, to be sure the postings are accurate , Heather will prepare a trial balance.
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