cru exam 1 select two. with respect to documentation and data integrity when underwriting a loan using an aus, which of the following are considered critical when relying on the findings report?

The expenditure for research and development is generally listed on the income statement under Operating Expenses.

Research and development (R & D) costs are the costs you incur for activities intended to develop or improve a product or service.

The expenses that are incurred on research and development are recorded in the income statement under operating expenses.

Companies with large R & D departments usually list the costs out separately, while other companies with infrequent R & D costs choose to group them under general and administrative costs.

R & D expenses that do not result in an asset likely to generate revenue should be recorded as an expense on the income statement. On August 1, 2010, this entry was published.

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Answer:

semiannually

Explanation:

This is a small purchase, but it adds up over time to affect your financial situation.

Answer:

the mission of the federal deposit insurance corporation is to maintain and public confidence in the nation's financial system

Demographic groups do Women in Motion serve, Akela Peoples is an award-winning teacher and entrepreneur who has helped over 20,000 young women create career plans.

Demographic evaluation is the take a look at a populace primarily based totally on elements including age, race, and gender. Demographic information refers to statistically expressed socioeconomic records including employment, education, income, marriage rates, start rates and loss of life rates.

Examples of diagnosis. It is included. Demographic studies consist of 5 simple themes. Distribution over a geographical area. its composition (including age, gender, race, and different characteristics); modifications in populace size, distribution, and composition over time; Determinants and outcomes of populace growth.

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Answer:

When a business wants to obtain cash, it has two options for financing: equity financing and debt financing. Equity financing is the most common kind of financing accessible to companies. Debt financing refers to the borrowing of money, while equity financing refers to the sale of a piece of the company's stock.

Explanation:

Hope it helps:)

Each group will suggest a business idea and justify their choice based on their interests, market demand, and potential profitability. They will then discuss the specific location for their business and conduct an environmental analysis to identify factors that need to be studied.

In the first paragraph, each group can briefly mention the type of business they want to put up, such as a restaurant, tech startup, clothing boutique, fitness center, or any other business idea that interests them. They should provide a concise justification for their choice, highlighting factors like market demand, personal passion, unique selling proposition, or potential profitability.

In the second paragraph, the group members will discuss the specific location for their business and conduct an environmental analysis. They need to identify and examine various factors that can influence the success of their business in that particular location. This analysis can include factors such as local competition, target market demographics, economic conditions, regulatory environment, infrastructure, availability of resources, cultural considerations, and any other relevant factors. By studying these environmental factors, the group can gain insights into the opportunities, challenges, and potential risks associated with their chosen location.

Overall, the aim is for each group to select a business idea that aligns with their interests and has potential in the market. They should then analyze the specific location's environmental factors to make informed decisions and develop strategies that maximize their chances of success. This exercise helps students understand the importance of market research, environmental analysis, and strategic planning in business development.

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The acquisition of the competitor will have an effect on the firm's cost of equity capital.

To determine the effect, we need to consider the relationship between beta and the cost of equity capital.

The cost of equity capital is determined using the Capital Asset Pricing Model (CAPM), which is given by the formula:

Cost of Equity = Risk-Free Rate + Beta * Market Risk Premium

Before the acquisition, the company's beta is not provided, so we need to calculate it based on the given information. Using the CAPM formula, we can calculate the initial beta as follows:

Cost of Equity = Risk-Free Rate + Beta * Market Risk Premium

17.1% = 3.3% + Beta * 9.2%

Beta = (17.1% - 3.3%) / 9.2%

Beta ≈ 1.74

After the acquisition, the company's beta will increase to 1.7. Comparing the initial beta of 1.74 with the post-acquisition beta of 1.7, we can see that the acquisition will have no effect on the firm's cost of equity capital. Therefore, the correct answer is "No effect."

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Note that if Susan's standard deduction is greater than the amount she made, it means her taxable income is zero. If she had any taxes withheld from her paychecks throughout the year, she would be eligible for a full refund of those taxes.

Assuming Susan is a single taxpayer under the age of 65 and not claimed as a dependent on anyone else's tax return, her standard deduction for tax year 2022 (filing in 2023) would be $12,950.

If Susan's total income for the year is less than or equal to $12,950, she would owe no federal income tax and would be eligible for a full refund of any federal income tax withheld from her paychecks or estimated tax payments she made throughout the year.

The exact amount of her refund would depend on how much federal income tax was withheld from her paychecks or paid in estimated tax payments throughout the year. Susan can determine the amount of her refund by completing her tax return using Form 1040 and any other applicable forms and schedules.

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Answer:

A programmer anticipated a positive whole number, and the user input a negative decimal value.

Explanation:

Edge : )

Answer:

A programmer anticipated text data, and the user input text data.

Most of the mismanagement decisions that cause small businesses to fail are related to finance. Finance plays a critical role in the success or failure of small businesses. Many mismanagement decisions that lead to business failure stem from financial issues and decisions made by business owners or managers.

Small business owners often face challenges in managing their finances effectively, including issues such as poor cash flow management, inadequate financial planning, excessive debt, improper budgeting, or lack of understanding of financial statements.

These financial missteps can have severe consequences and impact various aspects of the business, including operations, expansion, and overall sustainability.

Without proper financial management, small businesses may struggle to meet their financial obligations, maintain profitability, or make strategic decisions. Mismanagement in finance can lead to a lack of working capital, inability to invest in growth opportunities, failure to manage expenses, or even bankruptcy.

While other factors such as inventory, personnel, and sales also play important roles in business management, finance is often cited as a primary area where mismanagement decisions can have a significant impact on small business failure.

Therefore, addressing financial challenges and making sound financial decisions are crucial for the success and longevity of small businesses.

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Answer:

Decline the offer

Explanation:

I would most likely decline the offer. The fact that he is selling for higher but is willing to go 10% proves the meat isn’t worth the more money. I would stick with my current supplier. Unless there is a significant difference between the meats, there is no reason for him to be selling it any higher than his competitors and the fact that he is offering a discount proves that.

Logistics infrastructures encompass various elements such as transportation networks, distribution centers, ports, technology systems, and customs processes. A comparison between your own country and Canada in terms of different infrastructures reveals similarities and differences in areas such as transportation modes, connectivity, trade facilitation, and technology adoption.

Logistics infrastructures can be categorized into different types based on their purpose and functionality. Some examples include transportation networks (roads, railways, airports, and seaports), warehousing and distribution centers, information systems and technology platforms, customs and trade facilitation systems, and intermodal transportation facilities.

In comparing your own country and Canada, it's important to consider factors such as geographical location, economic development, and government policies. For example, both countries may have well-developed road networks, but the extent of connectivity, quality of infrastructure, and efficiency of operations may differ. Similarly, seaports and airports in both countries play crucial roles in facilitating international trade, but the capacity, level of automation, and access to global shipping routes may vary.

Furthermore, advancements in technology and digitalization have transformed logistics infrastructures globally. Evaluating the adoption of technology solutions, such as supply chain management systems, real-time tracking tools, and automation, can provide insights into the overall efficiency and competitiveness of logistics operations in each country.

It's important to note that a comprehensive comparison between your own country and Canada would require in-depth analysis and access to up-to-date data. Additionally, the specific focus on five different types of logistics infrastructures would require more detailed research and analysis. I recommend conducting further research and consulting relevant sources to obtain a more comprehensive understanding of the logistics infrastructures in your country and Canada.

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Most of the decisions made for the home and host country facilities are at the company's headquarters, using the home country's frame of reference.

The Ferguson Furniture group has adopted an ethnocentric staffing policy, which means that the company relies on its home country's frame of reference when making decisions for both home and host country facilities.

Therefore, most decisions are made at the company's headquarters.

This approach may result in a lack of consideration for local customs and practices in host countries, which could lead to cultural misunderstandings and conflicts.

However, it may also ensure consistency across facilities and help maintain the company's culture and values.

Depending on the specific decision and its impact, input from both home and host country facilities may be taken into account, but the ultimate decision-making power lies with the company's headquarters.

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Based on Ferguson Furniture group's ethnocentric staffing policy, the decisions for the home and host country facilities are most likely made at the company's headquarters using the home country's frame of reference. Hence, correct option is B.

Ethnocentric staffing policy favors the home country's employees for key positions and decisions. This means that the company's top management team, who are mostly from the home country, would be making the decisions for both the home and host country facilities. The ethnocentric staffing policy assumes that the home country's way of doing things is superior to the host country's way of doing things. It is likely that the company's policies and procedures are tailored to the home country's customs, values, and practices. Thus, it is unlikely that the decisions would be made at the host country facility in order to accommodate local customs. While decisions may be made at both the home and host country facilities, it is likely that the final say would come from the company's headquarters. This is because the headquarters would have the power and authority to ensure that the company's overall goals and objectives are met.  It is unlikely that the company would choose to make decisions at a third-country national in order to promote collective bargaining. This is because the ethnocentric staffing policy favors the home country's employees and decisions would be made with the company's interests in mind rather than collective bargaining.

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Before lean approaches could be implemented successfully, many North American companies needed to make the change of strategy modification.

Lean approach or lean thinking is a process of manufacturing that emphasizes reducing waste without sacrificing productivity. Lean techniques are methods for streamlining production operations, reducing waste, and improving the efficiency of business processes, including the supply chain. In order to successfully implement lean approaches, most North American companies needed to undergo the following changes:- Strategy modifications- Cultural and organizational changes. Lean approaches demand a transformational shift in how business is conducted. Companies implementing lean approaches would have to rethink how their business operates and set new goals in order to succeed with lean methodologies. The implementation of lean methodologies necessitates changes to the company's strategy and objectives, including a realignment of resources. The lean approach necessitates a significant cultural and organizational shift, with employees being encouraged to work in teams and be responsible for their activities. Companies must modify their approach to meet the new demands of lean methodologies to succeed in the long term.

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Answer: Have an objective/aim, have an understanding of gathering data

Explanation:

Marketing research is the careful and systematic gathering of information that would help influence the sales of a product or service you intend to sell. An effective and we'll carried out market survey or research would be a great guide on how to present a product to the public or the target market. There are two factors CC's marketing manager has to consider while carrying out the market research. They are;

Objectives/Aim; the marketing manager must have a guide on what he needs to research on while doing the market survey, he has to consider which target market he should look at, the kind of environment, he needs to have a well stated guide that he can work with to give him the desired results which would be effective for him.

How to gather data; the marketing manager would have to have an understanding of gathering data. Data is vital when carrying out market research, it gives you a guide in the number of people you should be considering or the number of things to note or percentages of factors you're considering and how you should plot yours.

Answer: stress management and willingness to travel

Explanation:

Based on the scenario described in the question, Option A and C are both wrong as she doesn't need mechanical knowledge. Mechanical knowledge has to do with one's ability to be able to understand and use tools. She also doesn't need customer service as she isn't attending to customers or anyone.

Since she had to quickly go to Atlanta to put the finishing touches on the project, what she needs is her ability to manage stress and also her willingness to travel.

Answer:

D, Stress management and willingness to travel.

Explanation:

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If a firm in a purely competitive market can differentiate its product or service, it becomes part of an oligopolistic competition market. In an oligopolistic competition market, there are only a few large firms that dominate the market.

These firms can differentiate their products or services, which allows them to have some control over the market price. Unlike in a monopolistic market, firms in an oligopolistic market do not have complete control over the market price, as there are still other competitors in the market.

However, the ability to differentiate products or services can give firms in an oligopolistic market a competitive advantage and a certain level of pricing power. Overall, the ability to differentiate products or services can be a valuable strategy for firms in competitive markets to increase their market share and profitability.

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We should consider getting umbrella insurance when you want additional liability coverage beyond your existing policies, such as homeowners, renters, or auto insurance. Umbrella insurance is useful when:

1. You have significant assets to protect: If your net worth exceeds the liability limits of your existing policies, umbrella insurance can safeguard your assets in the event of a lawsuit or a claim against you.
2. You face a high risk of liability: Occupations or hobbies that expose you to greater liability risks, such as owning rental properties, coaching sports teams, or volunteering, warrant umbrella insurance.
3. You own property: Homeowners with a pool, trampoline, or playground equipment should consider umbrella insurance, as these items increase the likelihood of an accident and potential legal claims.

4. You have teenage drivers: Since young drivers have a higher risk of accidents, additional coverage can protect you from the financial consequences of a serious collision.
5. You want peace of mind: Umbrella insurance provides a sense of security, knowing that you are protected against unforeseen legal and financial consequences.
In summary, you should consider getting umbrella insurance when your current liability coverage may not be sufficient to protect your assets, you have a higher risk of liability, or you desire added peace of mind.

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Answer:

1. Paying somebody else and himself represent cash outflow.

2. Party bookings represents forecasted cash inflow.

Explanation:

Remember, a cash flow shows where money is coming from into the accounts of a business and where money goes to from the accounts of the business. Inflows represent credit transactions into the business account, while the outflows represents debit transactions to external sources.

Thus, paying somebody else £1200 a month to run the business as well as himself (Mr Flake) both represents outflow of cash from his ice-cream business. But the 6 more party bookings for September represents cash inflows since he will be receiving a pay from the clients.

If  her stock was valued at $43.50 per share. Her ROI is:50.89%

First step

Purchase price=(28×$30)-(28×$43.50)

Purchase price= $840-$1218

Purchase price=$378

Gain in value=$378+ $49.50

Gain in value=$427.5

Second step

ROI=$427.5/$840×100

ROI=50.89%

Therefore the ROI is $15.89%.

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The real interest rate can be calculated by subtracting the inflation rate from the nominal interest rate.

Real interest rate = Nominal interest rate - Inflation rate

Real interest rate = 6% - 10%

Real interest rate = -4%

Therefore, the real interest rate is -4%. A negative real interest rate indicates that the purchasing power of money is decreasing due to inflation. In other words, the inflation rate is higher than the nominal interest rate, resulting in a negative return in real terms. The negative value indicates that the real interest rate is negative. This means that the inflation rate is higher than the nominal interest rate, resulting in a decrease in the purchasing power of the money lent or invested. In other words, after accounting for inflation, the investment or loan would actually lose value over time.

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The average income per person in lower-income countries has increased significantly in the past thirty years.

Over the past three decades, lower-income countries have experienced notable growth and development, resulting in an upward trend in average income per person. Factors such as globalization, technological advancements, improved access to education and healthcare, and increased investment in infrastructure have contributed to this positive economic transformation. As a result, people in these countries have witnessed improvements in their living standards, reduced poverty rates, and expanded economic opportunities. While challenges still persist, the overall trajectory indicates a positive shift towards higher average incomes and improved well-being for individuals in lower-income countries.

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Vaughn-Williams Co. purchased $80,000 of supplies on the account and collected $50,000 on the account from its customers. As a result, the company's total assets would now be $550,000. (Option C)

To calculate the updated total assets, we need to consider the effects of the transactions mentioned.

The purchase of $80,000 in supplies on account increases both the total assets and liabilities of the company. However, since the transaction does not involve any changes in stockholders' equity, it does not impact the equity value.

The collection of $50,000 on account from customers also affects both assets and liabilities. The increase in cash (an asset) is offset by a decrease in accounts receivable (also an asset) since the amount owed by customers is collected.

Considering these transactions, the calculation for the updated total assets would be as follows:

Total assets = Previous total assets + Purchase of supplies - Collection from customers

Total assets = $600,000 + $80,000 - $50,000

Total assets = $630,000 - $50,000

Total assets = $580,000

Therefore, the correct answer is c. $550,000.

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Answer: The liberty of man, in society, is to be under no other legislative power, but that established, by consent, in the commonwealth; nor under the dominion of any will, or restraint of any law, but what that legislative shall enact, according to the trust put in it.

Explanation:

The rate of return on assets can be calculated using the formula (Net Income / Total Assets) x 100 and is 61.4%.

The rate of return on assets (ROA) gauges how successfully a business turns its assets into earnings. It is determined by multiplying by 100 and dividing the net revenue by the total assets. In this instance, the total assets were $114,000, the net income was $70,000, the EBIT was $95,000, and the equity was $74,000. The rate of return on assets calculated using the formula is 61.4%.

The rate of return on assets can be calculated using the following formula:

ROA = (Net Income / Total Assets) x 100

In this case, we have:

ROA = (70,000 / 114,000) x 100

Therefore, the rate of return on assets is 61.4%.

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Answer:

A. falling into debt if faced with a serious problem

Answer:

$5,000

Explanation:

Calculation for how large will the annual scholarship payment be

Using this formula

Cash Flow= Present Value x Rate

Where,

Present Value =$100,000

Rate=5%

Let plug in the formula

Cash Flow=$100,000*5%

Cash Flow=$5,000

Therefore how large will the annual scholarship payment be is $5,000.

Since the Great Recession, Americans' primary daily hassles have been rising costs and stagnant income, leading to financial stress and economic challenges.

Following the Great Recession, many Americans have faced ongoing daily hassles related to rising costs and stagnant income. This combination has led to financial stress and economic challenges for individuals and households across the country.

Rising costs of essential goods and services, such as housing, healthcare, education, and utilities, have outpaced wage growth, making it increasingly difficult for individuals to meet their basic needs and maintain a comfortable standard of living.

Stagnant income refers to the lack of significant wage increases for many workers despite the rising costs of living. This has resulted in a widening income gap and a sense of financial insecurity for many Americans. The inability to keep up with expenses and the struggle to make ends meet on a daily basis can lead to heightened stress levels, anxiety, and frustration.

These daily financial hassles can have far-reaching effects on individuals and their families, impacting their overall well-being and quality of life. People may have to make tough choices and sacrifices, such as cutting back on essential expenses, delaying major purchases, or taking on additional jobs or side gigs to make ends meet.

The financial strain can also lead to limited access to healthcare, reduced savings, and increased debt levels, further exacerbating the challenges faced by individuals and households.

Overall, the combination of rising costs and stagnant income since the Great Recession has significantly impacted Americans' daily lives, creating financial stress and economic hardships that continue to be a prevalent concern for many individuals and families.

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Answer:

The answer is "They are used for anything listed on the budget."

The option that is NOT true about emergency funds is: c. They are used for anything listed on the budget.

Emergency funds are usually not used for things that are planned and included in the budget. Instead, emergency funds are money saved specifically for unexpected expenses that you didn't plan for in your usual budget.

The reason for having an emergency fund is to have money saved for unexpected things that might happen, like when someone gets hurt and needs to go to the hospital or when a car or home needs fixing.  It can also help if someone loses their job or if something else happens that they didn't expect.

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