There are two types of consumer credit: revolving and nonrevolving. Revolving credit plans, which can be unsecured or secured by collateral, allow a customer to borrow up to a predetermined level and return the loan in one or more installments.
What different types of credit are there?Three categories of credit accounts exist: open, installment, and revolving. Revolving credit, one of the most common types of credit accounts, is a line of credit that allows for unlimited borrowing but has a cap on how much can be spent at any given time, known as a credit limit.
Credit that can be used again after payments are paid is referred to as open credit, also known as open-end credit, and examples include credit cards and lines of credit. The idea behind closed credit, often referred to as closed-end credit, is that you request a certain amount of money, get it, and then pay it back over time in set amounts.
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What is a life cycle and why is it important?
The shortest life cycle would be the haploid one. Numerous eukaryotic single-celled creatures contain it. The preponderance of the lifetimes of organisms with such a haploid life cycle are spent as haploid gametes.
A diploid zygote is created when the scattered gametes mate.
The progression of form as well as activity stages that a living entity goes through to go from its initial stage (as an egg) inside one individual to its subsequent stage in its progeny.
A technique called life cycle analysis (LCA) is utilized to assess a product's environmental impact across its entire life cycle, which includes raw material extraction as well as processing, production, distribution, usage, recycling, as well as final disposal.
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when new firms enter a market, existing firms will sell than before, and their market power will . b. when firms exit a market, remaining firms will sell than before, and their market power will . c. if there is free exit from and entry into an industry, long-run economic profits will be for firms in that industry.
Market power is the capacity of a business (or collection of enterprises) to increase and maintain prices above the level that would prevail under competition.
How do economic profits change in the long run?Because an unlimited number of businesses are manufacturing uniform, endlessly divisible items, profits and losses are eventually abolished. There are no entrance hurdles for businesses, and all customers are fully informed.Long-term expansion of an industry occurs when there are economic profits in that business. As new businesses enter the market, the supply curve moves to the right, prices drop, and profits decline. Up until economic profits are nil, businesses keep entering the sector.Economic profit, also known as normal profit, must ultimately equal zero. Due to the introduction of new enterprises, which lowers the market price, economic profit is zero over the long term.fill in the blank answers
when new firms enter a market, existing firms will sell than before, and their market power will less. when firms exit a market, remaining firms will sell than before, and their market power will less. if there is free exit from and entry into an industry, long-run economic profits will be equal to zero for firms in that industry.Learn more about Market power refer to :
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only goods and services are included in the estimation of nominal gdp, the dollar value of output produced in an economy.
Answer: only final goods and services are included in the estimation of nominal GDP, the dollar value of output produced in an economy.
Explanation:
What are interest groups ?
An pastime/interest group or an advocacy crew is a physique which makes use of more than a few forms of advocacy in order to impact public opinion and/or policy. Interest group might also additionally refer to: Learned society.
What is the major function of interest groups?Interest corporations are shaped to promote the pastimes or issues of their members. They are specifically involved with influencing public policy. Because a key feature is to exert stress on political decision-makers, hobby corporations are sometimes referred to as 'pressure' or 'lobby' groups.
For example, the Sierra Club focuses on defending the environment as properly as the wild locations on earth. They also center of attention on the training of human beings on maintenance of the environment.
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https://brainly.com/question/1503372#SPJ4How does a baby inherit Tay-Sachs disease from his her parents?
A genetic ailment called Tay-Sachs is passed from one generation of parents to the next. When a child inherits a defect (mutation) in the HEXA gene from both parents, the condition takes place.
Why does Tay-Sachs illness occur?An enzyme known as B-Hexosaminidase A (HexA) is required for the regular breakdown of a fatty substance known as GM2 ganglioside by the neurons of the nervous system, including the brain and spinal cord. The gene that instructs the neurons to create HexA is mutated in TSD patients, preventing the neurons from manufacturing the enzyme. In other words, the fatty substance accumulates in the brain and spinal cord, resulting in cell death and injury. A child must have an altered gene copy from both parents in order to have TSD. This implies that for a kid to have TSD, both parents must be hereditary carriers.
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nelson manufacturing produces bulky heating systems that are installed in large office buildings. the company wants to avoid paying the high costs associated with shipping their product overseas. what would be the best way for nelson manufacturing to accomplish this?
The business should produce the goods locally. By doing this, the business can avoid paying the exorbitant price of transporting its goods abroad.
What is cost reduction?Cost reduction is a strategy adopted by businesses to lower their expenses and boost revenues. The techniques can change depending on the goods or services a firm offers. Every choice made during the product development process has an impact on the price.
Normally, businesses don't place a lot of emphasis on price when launching a new product. When competition develops and price becomes a differentiator in the market, cost becomes more significant.
Cost-cutting measures' significance in respect to other strategic corporate objectives is frequently contested.
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your estimate of the market risk premium is 7%. the risk-free rate of return is 4%, and general motors has a beta of 1.4. according to the capital asset pricing model (capm), what is its expected return? group of answer choices 11.7% 13.1% 10.4% 13.8%
The expected return seems to be the profit or loss that an investor anticipates on a known historical rate of return investment (RoR).
What is expected return?A capital asset pricing model (CAPM) is a model that is used to compute a theoretical required rate of an asset in order to decide whether or not to add assets to a well-diversified portfolio of investments.The expected return can be calculated using the Capital Asset Pricing Model (CAPM) using the following formula:
Expected return = risk-free rate + (Beta * Market ris premium)
Here given that,
4% risk-free rate of return
7% market risk premium
Beta = 1.4
When we plug the values into equation (1), we get:
4% expected return + (1.4 * 7%) = 13.8%
As a result, option D) 13.8% is the correct answer.
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calgary industries is preparing a budgeted income statement. predicted sales for the year are $730,000 and cost of goods sold is 40% of sales. the expected selling expenses are $81,000 and the expected general and administrative expenses are $90,000, which includes $23,000 of depreciation. the company's income tax rate is 30%. budgeted net income is:
The budgeted net income for Calgary Industries is supposed to be $244,800.
How do you calculate the budgeted net income?Net Income = Sales - Cost of Goods Sold - Selling Expenses - General and Administrative Expenses - Depreciation - Income Tax
Plugging in the given values, we get:
Net Income = $730,000 - (40% * $730,000) - $81,000 - $90,000 - $23,000 - (30% * ($730,000 - (40% * $730,000) - $81,000 - $90,000 - $23,000))
The cost of goods sold is 40% of sales, so it is (40% * $730,000) = $292,000.
The income tax is 30% of the income before tax, which is $730,000 - (40% * $730,000) - $81,000 - $90,000 - $23,000 = $244,000.
Substituting these values into the formula above, we get:
Net Income = $730,000 - $292,000 - $81,000 - $90,000 - $23,000 - (30% * $244,000)
Net Income = $730,000 - $292,000 - $81,000 - $90,000 - $23,000 - (30% * $244,000)
Net Income = $730,000 - $292,000 - $81,000 - $90,000 - $23,000 - $73,200
Net Income = $244,800
Therefore, the budgeted net income for Calgary Industries is $244,800.
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what differences, if any, are there between a list of components derived from a physical inspection and a list of components derived from control panel and system properties?
The main difference between a list of components derived from a physical inspection and a list of components derived from the control panel and system properties is the accuracy of the inventory.
A physical inspection of components allows for a more detailed and accurate inventory of components, as it includes a direct visual inspection of the components.
On the other hand, a list of components derived from the control panel and system properties is less accurate and is mainly used to identify general properties of the components, such as the type, brand, and version of the components.
Additionally, a physical inspection can help identify any deterioration in the components, which is not possible with a list of components derived from the control panel and system properties.
Furthermore, a physical inspection of components can help identify any irregularities in the components, such as a loose connection or a defective component, which is not possible with a list of components derived from the control panel and system properties.
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What are some of the key benefits of enterprise agile?
Being able to inspect and adapt at scale is more what enterprise agile is all about.
Agile is a notable improvement technique and the methodology of decision for the majority improvement groups, particularly those attempting to establish a climate of constant conveyance.
At the point when we consider Agile, we frequently consider elevated degrees of coordinated effort and adaptability well as an iterative climate in which necessities advance close by evolving needs. Therefore, we additionally will generally conceptualize Agile as a methodology that helps advancement groups across different enterprises convey new elements quicker.
There are many benefits of Agile methodology for project management. Agile techniques can assist groups with overseeing work all the more proficiently and accomplish the work all the more successfully while conveying the greatest item inside the requirements of the financial plan.
Significant advantages of visual project management for Agile include:
Perceivability of venture subtleties
Expanded group proficiency
Capacity to adjust to changes
Capacity to scale
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your firm is selling a 3-year old machine that has a 5-year class life. the machine originally cost $580,000 and required an investment in net working capital of $5,000 at the time of installation (recoverable when the machine is no longer in use). your firm is selling the asset for $180,000. your firm's marginal tax rate is 34%. what is the cash flow effect from selling this machine?
The cash flow to sales ratio demonstrates a company's capacity to produce cash flow in proportion to its amount of sales. The net cash flow is $ 195593.6.
What is the impact of selling this machine on cash flow?First lets calculate the After depreciation net book value of the machine by computing depreciation as per MACRS 5-year class
Year 1 % Dep = 20%
Year 2 % Dep = 32%
Year 3 % Dep = 19.20%
So NBV of machine after 3 years
= 580,000 - (580000*0.20)-(580000*0.32)-(580000*0.1920)
=$167,040
We calculate the net taxable value of the gain as
=180,000 - 167040 = $12,960
Tax = 12960*0.34 = $4406.4
Thus the net cash flow proceeds from the sale of machine are as follows,
NCF = 180,000 - 4406.4 + 20,000 = $195593.6
where $20,000 is the freed working capital.
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What is the difference between Scrum kanban and XP?
The key difference between Kanban and Scrum is that Kanban is continuous, while Scrum is iterative.
A Scrum team looks to enhance production over the period of successive sprints and to raise the team's "velocity," or the number of related estimation points accomplished in a sprint, whereas a Kanban group checks "cycle time" and aims for lead - time that are quick and predictable. Given its consistency and predictability, it reassures large organisations, Scrum may well be better suited for scalability.
While Scrum teams may not always work on each item in priority order once per sprint, XP teams must adhere to priority order when completing tasks. If the client decides on a new priority, XP teams can add new tasks to an iteration and swap out tasks of equal size (as long as they haven't been started).
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What are the 3 different form of production process?
Businesses that sell products have three more production methods at their disposal. Batch production, continuous production, and job production are some of these.
1. Job Order Production: The job order output system stands out for its low production volume. Making products with a focus on meeting client wants is involved.
2. Batch Order Production: Production under a batch order is suitable for medium volume lots of the same sort, whether to complete a specific order or to satisfy market demand. When the production of a single batch has been completed, the facilities of the plant are available for the manufacture of other, equivalent products in response to market demand.
3. Continuous Production: This method of manufacturing is frequently associated with high demand and large quantities. Continuous production is hence the specialized manufacture of identical goods or products while utilizing all available machinery.
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What is the simple definition of agile?
Agile is a notable improvement technique and the methodology of decision for the majority improvement groups, particularly those attempting to establish a climate of constant conveyance.
At the point when we consider Agile, we frequently consider elevated degrees of coordinated effort and adaptability well as an iterative climate in which necessities advance close by evolving needs. Therefore, we additionally will generally conceptualize Agile as a methodology that helps advancement groups across different enterprises convey new elements quicker.
There are many benefits of Agile methodology for project management. Agile techniques can assist groups with overseeing work all the more proficiently and accomplish the work all the more successfully while conveying the greatest item inside the requirements of the financial plan.
Significant advantages of visual project management for Agile include:
Perceivability of venture subtleties
Expanded group proficiency
Capacity to adjust to changes
Capacity to scale
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What is the main purpose of a loan?
Answer:
To get if you need help wit money or some
Explanation:
What are the 5 basic types of accounts?
The 5 types of bank account is:
Checking AccountSavings AccountCertificate of Deposit (CD)Money Market AccountIndividual Retirement Accounts (IRA)What is Bank Account?A bank account is a unique identity that your bank assigns to each deposit. We store our earnings in an account to do financial transactions with the money we withdraw from it. With one account, we can withdraw or deposit funds, purchase financial services, make payments and transfer funds to other accounts electronically. Accounts are like mini financial centers where we regulate our finances. It is essential that people can decide which bank account best suits their individual needs and circumstances.
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What does it mean when a company issues more stock?
The mean when a company issues more stock is the number of common stock that being traded in the stock market is increased.
What is the impact from company issues more stock?The company that issues more stock or additional shares will make the current investors or existing investor have share dilution.
Share dilution is can happen because there are too many stock in market than the normal because the additional shares that issued by company, it will make the value of existing shares decrease.
Thus, the mean when company issues more stock is the number of common stock will increase and can create share dilution.
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the formula for the fixed asset turnover ratio equals . multiple choice question. net revenue/total assets net revenue/average net fixed assets net income/average total assets average net fixed assets/total assets
The asset turnover ratio is calculated as net revenue divided by the average total assets, where net revenues is the total income retained by the business.
Asset turnover: what is it?Asset turnover is the ratio of total income or sale to average assets. This metric can be used by investors to assess how effectively a business is using its resources to boost sales. The ratio of asset turnover is a tool used by investors to compare enterprises in the same sector or group.
Is substantial asset turnover beneficial?A greater ratio of asset turnover is preferable in general. A business is running more effectively than its rivals and making appropriate utilization of its capital when it earns more income from its assets. A poor asset turnover ratio could imply that a corporation has poor inventory control or surplus manufacturing capacity.
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What are the 5 types of income tax?
The 5 types of income tax are Income from salary, Income from house property, Income from profits and gains from business or profession, Income from capital gains, Income from other sources.
What do you mean by Tax?Taxes are compulsory payments made by a government organization, whether local, regional, or federal, to people or businesses. Tax revenues are used to fund a variety of government initiatives, such as Social Security and Medicare as well as public infrastructure and services like roads and schools.
Income taxes are levied against both businesses and individuals (or family units). Based on the income received, individual income taxes are calculated. Typically, it is categorized as a direct tax because the burden is thought to fall on the people who pay it.
Direct tax and indirect tax are the two forms of taxes.
Therefore, Income from salary, Income from house property, Income from profits and gains from business or profession, Income from capital gains, Income from other sources are five types of income.
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What is the term for the method of providing training to employees while they are on the job?
On the job training is the term that is used for the method of providing training to the employees while they are under employment of their jobs.
An employee is bound to receive training from the superiors or co-workers before he or she can actually begin working in an organization. On-the-job training is an essential practice to be undertaken before assigning any new project or task to a new employee in an organization. It helps in effective and mannerly completion of the activities and projects. The training becomes essential so that the employees are able to do what the companies want.
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what is the first step that individuals responsible for the development of a business connuity plan should perform.
B. The BCP process as a whole is guided by the business organization analysis, which assists the initial planners in selecting suitable BCP team members.
Consider the potential effects of each kind of disaster or risk event that your company might face as the first step in building its BCP.
What is the most vital phase in the business coherence the executives cycle?Step 1: Risk evaluation. This phase consists of:...
Step 2: of the Business Impact Analysis (BIA)
Step 3: Developing a Business Continuity Plan.
Step 4: Plan and strategy development.
Step 5: Prepare for testing and upkeep.
What is the first step in a BCP for business continuity?Understanding the critical business processes is the first step in developing a business continuity plan. Due to, for example, revenue loss, interruptions in customer service, or damage to the brand, critical business processes are essential for the company's survival.
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Full Question = What is the first step that individuals responsible for the development of a business continuity plan should perform?
A. BCP team selection
B. Business organization analysis
C. Resource requirements analysis
D. Legal and regulatory assessment
A separate account for each material employed in the manufacturing process is found in the O general ledger O materials ledger O receiving report O job cost sheet
A separate account for each material that is employed in the manufacturing process is found in the materials ledger. Therefore, the correct answer is the second option.
A materials ledger is a tool that is used to collect transaction data for materials used in the manufacturing process. The materials that it collects data from are the ones whose master data is stored in the material master.
Materials ledger used the data to calculate prices to valuate these materials. It can calculate prices in multiple currencies and actual costing. Using a materials ledger improves the transparency of material movements and inventory.
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What are the 4 steps in the loan application process?
This is the initial stage of the loan origination process, which also includes the following steps: Loan Application, Application Processing, Underwriting Process, Credit Decision, Quality Check, and Loan Funding.
When one or more people, businesses, or other entities lend money to other people, businesses, or other entities, that is considered loan. In addition to the money borrowed, the recipient often becomes obligated to pay interest charges until the obligation is repaid. Documentation proving the debt typically includes details like the principal amount owed, the interest rate levied by the lender, and the payment deadline. The loan involves a temporary division of the subject asset between the lender and the borrower. Lender approval of the loan is motivated by the interest payment. Each of these conditions and requirements are upheld in a formal loan.
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outstanding stock of cavco included 20,000 shares of $5 par common stock and 4,000 shares of 6%, $10 par, cumulative preferred stock. in 2020, cavco declared and paid dividends of $3,000. in 2021, cavco declared and paid dividends of $6,000. how much of the 2021 dividend should be distributed to preferred shareholders?
The dividend that should be paid to preferred shareholders in 2021 is indicated in the presented statement at $2400.
Who is a shareholder's owner?Anyone who has "shares" in a corporation limited by shares is referred to by this moniker. In proportion to the number of shares you own, you are a shareholder and own a portion of the business. There may be one or many stockholders in a firm.
Briefing:The following chart illustrates how the dividend amount paid to preferred shareholders was calculated:
= Number of non-cumulative preferred stock shares × par value per share × dividend rate
= 4,000 shares × $10 × 6%
=2400$
If there are dividend arrears for the non-cumulative preferred shares, they are not paid.
To arrive at the projected value, we merely multiplied each common shares shares even by par value as well as the dividend yield.
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mary anne (35) has two dependent children, jackson (17) and mabel (4). they lived in the u.s. all year. she earned $16,684 wages in 2021. she had no other income and no adjustments. she is filing head of household. she has no tax liability. what is the amount of child tax credit (ctc) she can receive?
Based on this information, Mary Anne may be eligible to receive the full non-refundable CTC of $2,000 per child, for a total of $4,000. If she is also eligible for the refundable portion of the CTC, she may be able to receive an additional credit based on her income.
Fyi: These calculations are based on the CTC rules in place for 2021 and are provided for informational purposes only. It is important to verify the CTC rules and eligibility requirements with the Internal Revenue Service (IRS) or a tax professional before filing your tax return.
To calculate the Child Tax Credit (CTC) that Mary Anne can receive, you can use the following steps:
Determine the number of dependent children: Mary Anne has two dependent children, so she may be eligible for two child tax credits.
Calculate the non-refundable CTC: The non-refundable CTC is $2,000 per child. For Mary Anne, the total non-refundable CTC is $2,000 x 2 children = $4,000.
Calculate the refundable CTC: The refundable CTC is limited based on your income. For 2021, the income threshold for receiving the full refundable CTC is $3,000. Because Mary Anne's income is below this threshold, she may be eligible to receive the full refundable CTC of $1,400 per child, for a total of $1,400 x 2 children = $2,800.
Add the non-refundable CTC and the refundable CTC: The total CTC that Mary Anne can receive is $4,000 (non-refundable CTC) + $2,800 (refundable CTC) = $6,800.
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on which of the following is there a tax incentive in the united states? (i) health insurance purchased through employers (ii) employer contributions for life insurance (iii) rental value on owner-occupied housing (iv) your mortgage
Answer: (iv) or (iii)
Explanation:
which of the following might be expected fiscal policies under a keynesian approach? group of answer choices running a budget deficit. expanding government spending through new projects. government borrowing to fund programs. government control of markets. lowering taxes to increase public spending. cutting both taxes and spending.
The one that might be expected fiscal policies under a keynesian approach is option F. cutting both taxes and spending
What is a keynesian approach?Keynesians is of the opinion that since prices are somewhat rigid, fluctuations in any component of spending say consumption, investment, or government expenditures will cause output to change. If government spending increases, and all other spending components remain constant, then output will increase.
Therefore, the correct answer is as given above
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$300 base price plus $20 per guest for up to 30 guests, what is the rate of change per guest?
$300 base price plus $20 per guest for up to 30 guests, the rate of change per guest
20 is the rate of change/slope
The term "rate of change" (ROC) describes the rate at which something changes over time. Thus, it is not the amount of individual changes themselves but rather the acceleration or deceleration of changes (i.e., the rate). Rate of change is a tool used in finance to comprehend price returns and spot trend momentum.A population of rats growing at 40 rats each week is another illustration of a rate of change. A vehicle moving at 68 miles per hour (distance traveled changes by 68 miles each hour as time passes) a vehicle traveling at 27 miles per gallon, or 27 miles for each gallon of fuel
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What are four ways taxes impact the economy?
Among the fundamental UK taxes are Value Added Tax, Capital Gains Tax, Inheritance Tax, and Property Taxes (VAT). Since many of them are progressive taxes, those with higher incomes are required to pay a larger portion of them.
How might taxes affect the economy?Since customers have less money to spend as a result of higher taxes, demand decreases. Trade is hampered since there is less money for the government to invest in roads as a result of decreased taxes. Lower taxes result in unemployment since the government can't afford to hire as many workers.
Long-term effects of taxes on the economy?primarily through the supply side. The way in which economic resources are distributed may be affected by specific tax preferences, but high marginal tax rates may hinder productivity, saving, investing, and innovation. However, tax reductions might also slow down long-term economic growth through increasing deficits.
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viking corporation is operating at 80% of capacity, which means it produces 8,000 units. variable cost is $100 per unit. wholesaler y offers to buy 2,000 additional units at $120 per unit. wholesaler z proposes to buy 1,500 additional units at $140 per unit. which offer, if either, should viking corporation accept? fixed costs are not affected by accepting either offer.
Selling the products to Wholesaler Z is the wisest course of action. You still have the option to sell 500 additional units if Wholesaler Y approves.
Describe wholesalers:A supplying organisation called as a wholesaler serves as a go-between for manufacturers and retailers. With a retail license, they are able to purchase goods in bulk from producers at a lower cost and resell them to other company owners for a little premium. Typically, a wholesaler doesn't sell goods to final customers directly.
Briefing:Providing the following details:
Each unit carries a variable cost of $100.
Wholesaler Y promises to purchase 2,000 extra units for $120 each.
Wholesaler Z suggests purchasing 1,500 more units at a cost of $140 each.
In this scenario, the alternative with the highest revenue gain is the optimal option to select:
Income impact equals the whole contribution margin
Retailer Y:
Effect on income equals 2,000*(120 - 100) = a gain of $40,000
Retailer Z:
Effect on income equals 1,500*(140 - 100)= a gain of $60,000
Selling the products to Wholesaler Z is the wisest course of action. You still have the option to sell 500 additional units if Wholesaler Y approves.
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The complete question is-
Viking Corporation is operating at 80% of capacity, which means it produces 8,000 units. Variable cost is $ 100 per unit. Wholesaler Y offers to buy 2,000 additional units at $ 120 per unit. Wholesaler Z proposes to buy 1,500 additional units at $ 140 per unit. Which offer, if either, should Viking Corporation accept? Fixed costs are not affected by accepting either offer.
A. Accept both.
B. Reject both.
C. Accept Wholesaler Y
D. Accept Wholesaler Z