A term-to-permanent life insurance conversion, or “term-to-perm” conversion, allows you to extend your life insurance coverage.
One party promises to reimburse the other in exchange for a fee in the event of certain loss, damage or injury as a safeguard against financial loss. This is a risk management method primarily used to protect against the risk of potential loss.
An underwriter, insurance company, insurance company or underwriter is a company that provides insurance. A person or business that buys insurance is called the policyholder, while someone or something that is covered by the policy is called the insured.
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T/F in contract law, "consideration" refers to the time that a party takes to evaluate a deal.
The statement , consideration refers to the time that a party takes to evaluate a deal is True .
A promisor may swap their promise for consideration in the form of a promise, performance, or forbearance. A contract's main component is consideration. A pledge from the promisor. a promise's acceptance of the offer. monetary compensation or a commitment to do or refrain from doing something.
Mutual commitment between the parties to uphold the contract's obligations Consideration is the benefit that each party receives or anticipates receiving in exchange for signing the contract. For instance, Victoria's Secret receives your payment; you receive the cashmere robe.
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Which one of the following statements is correct about a portfolio that is invested 30% in stock A, 40% in stock B, and 30% in stock C?
O The expected return of the portfolio is equal to the risk free rate of return plus a risk premium based on a weighted average of the betas of the individual securities and the market risk premium.
O The expected return on the portfolio is equal to the summation of the returns on the individual securities within the portfolio divided by three.
O The standard deviation of the portfolio is equal to the summation of the weights of each security multiplied by the standard deviation of each respective security.
The expected return of the portfolio is equal to the risk free rate of return plus a risk premium based on a weighted average of the betas of the individual securities and the market risk premium.
The average (mean) of a portfolio's potential return dispersion, the expected return is the amount of returns that are predicted to be generated by a portfolio. Alternatively said, it refers to the stock's susceptibility to market risk. For instance, an investment has 150% of the volatility of the market average if its beta is equal to 1.5. The expected return on an asset, however, is equal to the typical market return if the beta is equal to 1.A single stock's movement in relation to the market is theoretically measured by the CAPM Beta, which takes correlation between the two variables into account. The market represents unsystematic risk, whereas beta represents systematic risk.
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What is the goal of sustainability in any process Mcq?
The definition of sustainability is "meeting the requirements of the present without compromising the needs of the future" and "ensuring a balance between economic growth, environmental protection, and social well-being." There are many types of sustainability there. They are:
Environmental sustainability: Environmental sustainability emphasizes biodiversity preservation without sacrificing economic and social advancement. Protecting water, conserving energy, cutting waste, utilizing recyclable packaging, decreasing or eliminating the use of plastics, adopting sustainable transportation, reusing paper, and protecting flora and fauna are the cornerstones of environmental sustainability.
Economic sustainability: When a business is established, a structure with costs and profits is produced. The business makes money once both aspects are in balance. Economic sustainability is the capacity of the organization to sustainably manage its resources and produce long-term profitability.
Social sustainability: Environmental, economic, and social sustainability are three interrelated types of sustainability that can be found in every community where economic activities are conducted in a particular environment. However, social sustainability, in particular, aims to increase the stability and cohesion of particular social groups.
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What is groupthink examples?
Groupthink is demonstrated by historical events as the American invasion of Iraq, the Bay of Pigs invasion in Cuba, the Challenger space shuttle disaster, and the Enron-Arthur Anderson scandal.
What causes a collective think to occur?The main causes of groupthink are a combination of elements. These include decision-making stress, overall group isolation, coherence within the group, and decision-making stress. A tight group with high levels of cohesion has less verbal conflict because of the social need to fit in.
What does "groupthink" actually mean?When people reach an agreement without exercising critical thought or assessing the benefits and drawbacks, it is known as groupthink. The foundation of a groupthink is a shared desire to keep up the balance of the group.
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What are the six types of Agile frameworks?
The six types of Agile frameworks
Scaled Agile Framework (SAFe) ...
Scrum Scale (SaS) ...
Large Scale Scrum (LeSS) ...
Nexus. ...
Disciplined Agile (DA) ...
Enterprise Kanban, aka Portfolio Kanban.
All agile frameworks use iterative and gradual development, have a predetermined, defined iteration duration, and a lightweight structure that enables self-organized teams to more easily adapt to business requirements. It's a term for software development processes.Agile frameworks like Scrum, Kanban, and Extreme Programming (XP) are frequently used for product development. They are all in line with the Agile Manifesto's guiding principles.A particular method for organizing, coordinating, and carrying out work is known as an agile framework. Agile frameworks are typically divided into two groups: those created for teams and those created to assist businesses in using Agile at scale, across multiple teams.
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What happens to interest rates during contractionary fiscal policy?
To reduce the money supply,the central bank may choose to increase the cost of short-term debt by raising the short-term interest rate.
Contractionary fiscal policy reduces the national deficit.Rising interest rates will also affect consumers and businesses in the economy,as commercial banks will increase the interest rates they charge their customers.The demand for loanable funds decreases or the supply increases and the interest rate decreases.Monetary policy has the opposite effect on interest rates than fiscal policy.contractionary policy increases interest rates and limits the outstanding money supply to slow growth and decrease inflation, where the prices of goods and services in an economy increase and reduce the purchasing power of money through interest rate changes. policy to the discount rate and the federal funds rate.Rising interest rates increase the cost of borrowing and effectively reduce its attractiveness.
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The _____ budget is used for the cost of fixed assets like plants and equipment.
Multiple Choice
master
capital
production
cash
cost
The capital budget is said to be used for the cost of the fixed assets such as plants and equipment.
The capital budget is used by the companies for the cost of fixed assets in order to evaluate major projects and investments, such as new plants or the new equipment. The process tends to involve analyzing a project's cash inflows and outflows in order to determine whether the expected return meets a set benchmark.
However, this capital budgeting process is also known as the investment appraisal. Thus, the major methods of the capital budgeting which tend to include the discounted payback, cash flow, and throughput analyses.
Hence, option B is correct.
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What are 4 agile principles?
a focus on people and interactions above procedures and tools, Working software over thorough documentation, customer input during contract negotiations over contract drafting, and adapting to change over sticking to a schedule. 4 principles of agile
What are agile's three pillars?In this article, I'll talk about each of the three Cs—Card, Conversation, and Confirmation—and explain why and how to make sure you're do that correctly. I'll also sprinkling in some advice from my experiences working with agile teams.
What are the three stages of the agile lifecycle?The Lean Life Cycle. The exploratory life cycle (Lean Startup). An organization's program life cycle.
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Who has the power to begin the process of raising taxes in the United States?
All Bills for raising Revenue shall originate in the House of Representatives; but the Senate may propose or concur with Amendments as on other Bills.
Who is in charge of tax increases?In accordance with Article I, Section 8, Clause 1, the Congress shall have the authority to impose and collect taxes, duties, imposts, and excises in order to pay off debts, fund the nation's general welfare, and provide for the common defense. However, all duties, imposts, and excises must be applied equally across the board.
Can a state impose a tax increase?According to the Commonwealth of Australia Constitution Act of 1900, both the federal government and state governments have the authority to levy taxes. The main limitations on the federal government's ability to do so are that its taxes cannot discriminate against particular states or regions of states, and it may only levy federal taxes on excise and customs duties.
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if depreciation is $600,000 and the marginal tax rate is 35 percent, then the tax shield due to depreciation is
The tax shield due to depreciation is $210,000.
A tax shield is a permitted deduction from taxable income that lowers the amount of taxes that must be paid to the government. Mortgage interest, charitable contributions, medical costs, amortization, and depreciation are a few examples of these deductibles. Tax shields reduce the total amount of taxes that a business or individual taxpayer must pay.
Many middle-class people, whose residences make up a sizable portion of their net worth, benefit greatly from the option to use a mortgage as a tax shield.
The formula to calculate tax shield is
Annual tax shield=Annual depreciation *Marginal tax rate
= 600,000*35%
=$210,000
Therefore, the tax shield is $210,000.
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for a company concentrating on final assembly, adding retail and distribution into its value chain will require: backward integration. forward integration. taper integration. related diversification. unrelated diversification.
For a company concentrating on final assembly, adding retail and distribution into its value chain will require forward integration. Thus option B is correct.
What is the company?A company is a legal body formed by a number of people to conduct and manage a multinational corporation, whether it be commercial or economic. Depends on the market rules of its territory, a corporation may be set up in a variety of approaches for tax and lease responsibility reasons.
Forward integration will then be necessary for a business that focuses on finished product to include retail and distribute in its product lifecycle. Forward inclusion refers to the portion of the what takes position after a firm invests in production in the production process.
Therefore, option B is the correct option.
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What is the wealth gap quizlet?
Wealth gap is the gap in net worth among various population groups.
The wealth gap refers to the disparity of total assets between races and ethnicities, whereas the wage gap refers to the difference in incomes from labour among various races and ethnicities. This inequality is a product of the previous generational accumulation of assets and variations in income.
Racial wealth discrepancies exist in the United States between minorities and the majority population as well as within various ethnic and racial groups. A disparity has been exacerbated by particular government policies and societal discrimination, but it's also critical to take into account long-term patterns in wealth accumulation.
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The beneficiary of a credit life insurance policy is the:
The beneficiary of a credit life insurance policy is the lender that provided the funds for the debt being insured.The lender is the sole beneficiary,so your heirs will not receive a benefit from this type of policy.
A beneficiary can either be your offspring or financially dependent family members like your spouse,aging parents,siblings,etc.A beneficiary can also be a financial institution like a bank who has given you a loan or other finance.Credit life insurance is issued on the life of the person who has the debt debtor and the creditor owns and is the beneficiary of the policy. There are two scenarios for endowment policy maturation.That is, the insured party should not be the owner of the policy,but rather,the beneficiary should purchase and own the policy. If your beneficiary such as your spouse or children purchases the policy and pays the premiums,the death benefit should not be included in your federal estate.
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hank incurred $4,000 in actual expenses to operate the vehicle he uses in his consulting business. during the year, hank drove the vehicle a total of 8,000 miles, 2,000 of which were business-use. what amount of his actual expenses can he deduct as a vehicle expense on line 9 of his schedule c (1040), profit or loss from business (sole proprietorship)?
Hank incurred $4,000 in actual expenses to operate the vehicle he uses in his consulting business. The amount of his actual expenses is ($4,000)
What are the actual expenses?Generally, Based on the information you provided, Hank can deduct 25% of his actual expenses as a vehicle expense on line 9 of his Schedule C (Form 1040). This is because 2,000 miles, which were driven for business purposes, represent 25% of the total miles driven (2,000 / 8,000 = 0.25).
To calculate the amount of the deduction, multiply the total actual expenses by the percentage of business use: $4,000 x 25% = $1,000.
It's important to note that this calculation is based on the use of the standard mileage rate, which allows taxpayers to calculate their vehicle expenses by multiplying the number of business miles driven by a rate set by the IRS. Under this method, taxpayers cannot claim a deduction for actual vehicle expenses, such as gas, insurance, and maintenance.
If Hank chooses to use the actual expense method instead of the standard mileage rate, he can claim a deduction for all of his actual vehicle expenses, as long as they were incurred in the course of conducting his business. In this case, he would enter the total amount of his actual expenses ($4,000) on line 9 of his Schedule C.
It's also worth noting that the IRS has limits on the number of vehicle expenses that can be claimed as a business expense. For tax year 2021, the standard mileage rate is 56 cents per mile for business use, and the maximum deductible amount for actual vehicle expenses is $10,000 for cars and trucks (or $11,160 for vans, pickups, and panel trucks).
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grace co. can further process product b to produce product c. product b is currently selling for $60 per pound and costs $38 per pound to produce. product c would sell for $95 per pound and would require an additional cost of $13 per pound to produce. what is the differential revenue of producing and selling product c?
The difference in revenue between making and selling article c is $35 per pound.
What does a company's revenue mean?The amount generated by sales for your company each year, minus expenditures and expenses, is what is referred to as annual revenue. The number of each goods you sold is multiplied by its purchase price, and the sum of the yearly sales of each product yields your gross annual turnover.
Briefing:
The computation of the differential revenue of producing and selling Product C is shown below:
= Revenue arise from selling the product C - Revenue arise from selling the product B
= $95 per pound - $60 per pound
= $35 per pound
By deducting the revenue of Product B from the revenue of product C we can get the differential revenue.
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How does buying in bulk affect costs?
Answer:
yes it does because it can lower the overall cost witch means that its cheaper
Explanation:
What do you think is the moral or message of the story the best investment I ever made?
The author of the short essay "Best Investment I Ever Made" discusses his experience with investing money, not for personal benefit but rather to improve the lives of future generations.
Describe investment.
Investment is the act of putting your savings into a resource designed to increase the value of your funds. To put it another way, an investment is a financial item that is purchased with the expectation that it would yield larger returns down the road.
You'll make money by selling it for more than you paid for it. When your savings can generate a higher return than the amount invested, they are considered investments. A retirement fund, emergency fund, down payment on a home, child's school fund, and other uses for money can all be made possible with the use of investments.
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Does USPS pay for late delivery?
The concept mentioned here is USPS services, which is a postal service across the US. The answer is, yes they give 100% refund for late delivery.
However, you're entitled to get a refund, If your Priority Mail package isn't delivered on time. 1- day delivery guarantees that your correspondence will be delivered on a coming day, and 2- day delivery – that your package will be delivered two days latterly.
Still, USPS's claim process would cover the costs of shipping and the package value, up to the quantum specified, If your delivery were insured. However, if a Missing Mail Search determined your delivery is lost or damaged, a claim will cover the cost of shipping, If you didn't have insurance.
The U.S. Postal Service is the only delivery service that reaches every address in the nation 160 million places, businesses, and Post Office Boxes. The Postal Service receives no duty bones for operating charges and relies on the trade of postage, products, and services to fund its operations.
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the greater the substitutability between northwest timber and southeast timber, the is the cross elasticity of demand between timber from the two regions and the is the price elasticity of demand for northwest timber. 1) larger; smaller 2) smaller; larger 3) smaller; smaller 4) larger; larger
The cross-elasticity of demand for timber from the two regions and the elasticity of demand for Northwest timber both increase with the degree of substitutability between Northwest and Southeast timber.
What does demand cross-elasticity mean?In economics, the relationship between the percentage change in the quantity of a thing sought after and the percentage change in the price of another good, ceteris paribus, is quantified by the cross elasticity of demand, also known as the cross-price elasticity of demand.
Cross price elasticity of demand is the percentage change in a given product's quantity sought as a result of a percentage change in the price of a "related" product.
The cross elasticity of demand aids in determining the impact of these other items' pricing. It evaluates the relationship between the two when the price of one of the commodities varies. This is done by observing how demand for a product changes in reaction to a shift in the price of another product.
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Does the Federal Reserve regulate the banking system?
The Federal Reserve also regulates savings and loan corporate entities, international banks doing business in the US, and other organizations.
What precisely does the Federal Reserve do?To guarantee that the financial sector supports a strong economy for American people, communities, and businesses, the Federal Reserve analyzes financial system risks and actively participates at home and abroad.
Who is the Federal Reserve's boss?The Governors' Board
The Federal Reserve is governed by the Board of Governors which is based in Washington, D.C. It is governed by seven people, known as "governors," who are appointed by the American president and confirmed in their roles by the American senate.
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the shift toward a service based economy and mushrooming change in information technology are two areas of technology that affect businesses today. what is the third? increased use of social media the growing use of technology for competitive advantage developing technological strategic plans the goodyear tire and rubber company is a because it combines rubber and chemical compounds and uses blending equipment and molding machines to create tires. during the decline of the , a tremendous growth in the service sector kept the overall u.s. economy from declining at the same rate.
The third one is the growing use of technology for competitive advantage.
Technology turns into a aggressive benefit while it is harnessed to supply the subsequent 4 benefits: Real insight, actual responsiveness. Identifying and resolving troubles earlier than they come to be important complications has clean benefits, anything your business. The Goodyear Tire and Rubber Company is a Manufacturing employer as it combines rubber and chemical substances and makes use of mixing device and molding machines to create tires. Breakthroughs in records generation have ended in much less non-public communication, much less “down time” for managers and employees, and an improved experience of urgency through selection making and communication.
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what is the physical difference between a flatfish and round fish? how do fabrication techniques vary for these fish? what are the 4 market forms of fish and how do you choose the best form for an operation to purchase?
Round: eyes on either side of face, bodies are truly round, oval, or compressed, Flat: asymmetrical compressed bodies, skin atop body is dark/camo eyes on one side of face.
How are the construction methods for round and flat fish different?Round: Cut down the backbone behind the gills into two fillets, one on each side (leave head). Cut parallel to the backbone, rubbing up against it from head to tail. Remove rib bones.
Flat: (4 fillets, 2 large bilateral from top and 2 small bilateral from bottom) (4 fillets, 2 large bilateral from top and two small bilateral from bottom.) Dark side up, head to tail, backbone severed. Blade on bone, between flesh and rib.
How are markets performing?A market's primary objective is to gather products from various sources and distribute them to various outlets. Dealers act as a channel for a seller's product demand, but from the perspective of the consumer, they expand supply options.
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What are 4 examples of opportunities?
4 examples of opportunities are Obtain assistance with projects, form working groups, recruit beta testers for new ideas or products and form a group to work on an idea you have.
What is a business opportunity?A business opportunity is the purchase or lease of any product, service, equipment, or other item that allows the purchaser-licensee to start a business. The licensor or seller of a business opportunity typically declares that it will secure or assist the buyer in finding a suitable location or that it will supply the product to the purchaser-licensee. This is distinct from the sale of an independent business, in which the seller is not required to maintain a continuing relationship.A business opportunity is made up of four components, all of which must be present in the same domain or geographical location before it can be called a business opportunity. A business opportunity consists of four elements. These four elements are as follows: A needThe means of meeting the needA method of using the means to meet a need and a method of benefitingHence, 4 examples of opportunities are Obtain assistance with projects, form working groups, recruit beta testers for new ideas or products and form a group to work on an idea you have.
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Identify the fraud triangle risk factor in each situation. Fraud triangle risk factor Situation 1. Employees are told to report increased income or be fired. 2. Several salesclerks share the same cash drawer. A worker did not receive a bonus this year and now feels it's okay to use the company credit card for personal expenses. Doors safeguarding valuable merchandise are not locked with a passcode. An employee feels underpaid and believes stealing inventory is justified. 3. 4. 5. Opportunity Pressure Rationalization
The fraud triangle risk factor in each situation situation include the following:
Pressure ⇒ Employees are told to report increased income or be fired. Opportunity ⇒ Several salesclerks share the same cash drawer. Rationalization ⇒ A worker did not receive a bonus this year and now feels it's okay to use the company credit card for personal expenses. Opportunity ⇒ Doors safeguarding valuable merchandise are not locked with a passcode. Rationalization ⇒ An employee feels underpaid and believes stealing inventory is justified. What is the fraud triangle?The fraud triangle can be defined as a concept or model that was developed and published by criminologist Donald R. Cressey, which states that there are three (3) fundamental components which, together, result to committing fraud or fraudulent behaviors.
Generally speaking, the three (3) fraud triangle risk factors include the following:
Pressure: a perceived un-shareable financial need which highlights the motive or incentive.Opportunity: a perceived opportunity to commit fraud.Rationalization: the rationale to commit the fraud.In conclusion, opportunity, pressure, and rationalization are the three (3) fraud triangle risk factors.
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1.The cost of a hard drive installed in a computer. Direct labor cost Direct materials cost Manufacturing overhead cost Selling cost Administrative cost 2. The cost of advertising in the Puget Sound Computer User newspaper. Direct labor cost Direct materials cost Manufacturing overhead cost Selling cost Administrative cost
The cost of a hard drive installed in a computer - Direct Material Cost
The cost of advertising in the Puget Sound Computer User newspaper - Selling Cost
In Financial accounting, costing can be characterized as a cycle which includes the estimation of the costs that are related with the development of labor and products, particularly by surveying the decent expenses and variable expenses related with each step of creation.
As a rule, materials costing essentially alludes to a proportion of the expense that is related with the unrefined substances and other actual parts that are utilized for the assembling of an item (great).
All in all, the deals commissions that are being paid to the salesmen that are working in a business firm (organization) ought to be grouped under both selling cost and managerial expense.
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What type of savings accounts should you have?
A savings account is a deposit account created to house funds you don't intend to spend right away.
What is a savings account and how can it be used?A savings account is a deposit account created to house funds you don't intend to spend right away. This is not a checking account, which is a transactional account for everyday spending and enables you to use a debit card to make purchases and ATM withdrawals. Checking accounts are intended for writing checks.
Everyone Should Have These 5 Savings Accounts
emergency savings. Your emergency fund should be your first and most crucial sort of savings account.car repair or buy money. If you own a car, you'll inevitably need to get it fixed at some point.Funds for vacations, large purchases, home or property repairs, and so forth.To learn more about savings accounts refer to:
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to an effective salesperson, goals and objectives:group of answer choicesare the strategies and plans laid out by the salesperson.are based only on the purchasing power of the customers.refer to something the salesperson sets out to accomplish.are independent of account classification and territory analysis.are the tasks successfully carried out by the salesperson.
To an effective salesperson, goals and objectives: refer to something the salesperson sets out to accomplish. Option 3
What is meant by goals and objectives?An objective specifies the measurable steps that must be taken in order to reach the ultimate aim, whereas a goal is a realizable outcome that is typically broad and long-term. To guide your team's strategy, learn what the true differences are between the two.
A goal is a vision for the future or a desired outcome that an individual or group of individuals commits to envisioning, planning, and achieving. Objectives are specific actions you can take to advance toward your goals.
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carpenter inc. estimates warranty expense at 5% of sales. sales during the year were $6 million and warranty expenditures were $53,000. what was the balance in the warranty liability account at the end of the year?
The balance in the warranty liability account at the end of the year is $36,000.
What is the difference between warranty liability and warranty expenditures?The average warranty period that a business permits serves as a cap on the total cost of warranty expenses. A company no longer has a warranty liability once the warranty period for a product has passed.
Expenses associated with warranties are those that a business expects to pay for the replacement or upkeep of goods that customers buy. Only during the predetermined warranty period are costs related to warranties accounted for by businesses. Companies stop incurring warranty costs when the warranty period has passed.
The amount of the expected repair or replacement costs for goods that have already been shipped or services that have already been rendered are recorded in a liability account called a warranty liability by the company.
Let the warranty expense be 5%
warranty expenditures $53,000
$4 million × 2% = $80,000
$80,000 - $44,000 = $36,000.
Therefore, the balance in the warranty liability account at the end of the year is $36,000.
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Cherie pays her car insurance monthly. her annual premium is $984. each month she is charged a $2 convenience fee. if her annual premium is divided equally into twelve monthly payments, how much is her monthly insurance payment?
assuming a $984 annual premium. She is assessed a $2 fee each month. convenience charge Cherie's monthly insurance payment would be $84 if her annual premium were divided equally into twelve payments
Equation is the name given to two or more expressions with the equal sign.
Given,
The yearly premium for Cherie is $984.
The monthly fee for the annual premium is $2.
If the annual premium is divided equally into twelve payments, we need to determine her monthly insurance payment.
Let's divide 984 by 12 for each moth to get at this.
984/12
82
We are aware that the monthly fee is $2.
so multiply by 82 and add 2.
$82+$2
$84
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when do you perform risk idenficaon? a) at the beginning of a project. b) during project planning. c) during the whole lifeme of a project. d) during project execuon.
c) The best time to perform risk identification during the whole life of a project.
Risk identification is an ongoing process that should take place at every stage of project development and execution. During the project planning stage, the project team should identify potential risks and threats that could affect the project, as well as assess their likelihood of occurring.
During project execution, the project team should monitor the project environment for any changes that might affect the potential risks that have been identified. Risk identification should also be carried out at the end of the project to ensure that any remaining risks have been mitigated.
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