Which each of these Agile principles: is where Teams reflect, learn, and adapt to change; work informs the plan? A. Focus on customer value B. Iterative and incremental delivery C. Experimentation and adaptation D. Self-organization E. Continuous improvement
Answers
The Agile principle that involves teams reflecting, learning, and adapting to change, where work informs the plan, is C. Experimentation and Adaptation.
This principle encourages teams to regularly assess their performance and make necessary adjustments to improve and deliver better results.
In this principle, the focus is on using the work itself to inform the plan, rather than the other way around. This means that teams are encouraged to try things out, experiment with different approaches, and use the insights gained from these experiences to guide their next steps.
This iterative process of learning and adaptation helps teams to respond quickly and effectively to changes in requirements, stakeholder feedback, and other factors that can impact the success of the project.
Central to this principle is the idea of regular reflection and assessment. Agile teams are encouraged to take time to review their progress, identify areas for improvement, and make necessary adjustments to their approach.
This could involve tweaking processes, refining team dynamics, or even pivoting the project direction altogether.
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Related Questions
As a promotional tool, podcasting offers the advantage to listeners of:____.
a. high frequency
b. convenience
c. extensive reach interactivity
d. benchmarking
Answers
As a promotional tool, podcasting offers the advantage to listeners of convenience. Option B. This is further explained below.
What is a promotional tool,?Generally, Consumers may be persuaded to purchase a product or service via the use of promotional tools such as tactics, techniques, or resources. They are used by many experts in marketing and advertising to enhance sales of a certain item or service as well as to spread knowledge of a recently released product.
In conclusion,
The convenience factor is one of the many benefits that listeners may get from podcasting as a form of advertising.
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Advertising, sales promotion, public relations, and buzz building activities are all ________. A) channels that should be integrated under the concept of integrated marketing communications B) channels focused more on interactive marketing than traditional marketing C) promotional tools used for push strategies but not pull strategies D) promotional tools used for pull strategies but not push strategies
Answers
Answer:
B
Explanation:
Hope it helped you1
How accounting transactions are recorded will vary depending on the entity perspective taken. This statement is.
Answers
This statement is True.
What are Accounting Transactions? Any business activities that have an impact on the financial statements and status of the organization are considered accounting transactions. Essentially, an accounting transaction is any exchange of money. To keep track of their money, businesses record these transactions in a variety of methods, such as spreadsheets or invoices.External transactions and Internal transactions are the two different types of accounting transactions based on institutional relationships.The double-entry technique of bookkeeping is a method for recording accounting transactions where each entry to one account requires an opposing input to a different account, providing balanced journal entries. A debit and a credit are the two equal and equivalent sides of a double-sided journal entry. It will make sure that total debits and total credit are always equal.To learn more about accounting transactions, refer to:
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A portfolio manager generates a 10% rate of return on a "small cap" portfolio, compared to an 8% rate of return on the benchmark portfolio and a 6% rate of return on the Standard and Poor's 500 index over the same period. The active rate of return on the portfolio is:
Answers
Answer:
2%
Explanation:
Data provided in the question
Generated rate of return = 10%
The rate of return on the portfolio = 8%
The rate of return on the index = 6%
Based on the above information, the active rate of return is
= Generate rate of return - the rate of return on the portfolio
= 10% - 8%
= 2%
It shows the difference between the benchmarked portfolio and the generated rate of return and the same is applied
Iran is an example of ___________military dictatorshippersonal dictatorshiptheocratic dictatorshiptotalitarianism
Answers
Iran is an example of a theocratic dictatorship. A theocratic dictatorship is a form of government where religious leaders hold absolute power and control over the country's political and social institutions.
In Iran, the Supreme Leader, who is the highest authority in the Islamic Republic, is also the country's religious leader. The Supreme Leader has the final say in all matters of the state and has the power to appoint top government officials and members of the judiciary, effectively controlling all aspects of the government.
Iran's theocratic dictatorship is supported by the Islamic Revolutionary Guard Corps (IRGC), a powerful military force that is responsible for maintaining the regime's control over the country. The IRGC is also involved in Iran's economic and political affairs, giving them a significant amount of power and influence.
The regime's strict interpretation of Islamic law also plays a crucial role in maintaining its power. The government enforces strict moral codes and restricts individual freedoms, including freedom of speech, press, and assembly. The regime's repression of political dissent and human rights abuses has led to widespread protests and international criticism.
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What are good sides and bad sides of breaking news and some examples why is it bad/good?
Answers
Answer:
breaking news may have a bad news example of bad news is fake news
Answer:
In my opinion, I see that the good side of news is that it help people be more aware of what's going around, and some may contribute to the rise in support for some fundings and charity programs for example: if a breaking news about a victim of any crime for example stolen house is displayed, an interview can give a voice to the victim to speak out and maybe raise fundings to repair all stolen goods or damaged items. On the other hand, some breaking news can end up sending out the wrong message and information for example talking about untrustable information, which may later on turn out to be wrong this can cause rumors.
Maya is concerned about her credit problems and is worried
about the debt she's accumulated throughout college. Which
of the following strategies is the most advisable for Maya?
automatically apply for bankruptcy
immediately consolidate her loans
look for a reputable credit counselor
Answers
Answer:
C!
Explanation:
Debts are often referred to as money owed by individuals and they have no way to pay for it. The
best strategy that is the most advisable for Maya is to look for a reputable credit counselor
A credit counselor often tells an individual the right steps to take concerning any credit be it debt or any other things.If you can't make a payment or meet the options given, it is better to discuss payment options, contact your lenders to explain your situation or a credit counselor.
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Lightskins or Darkskins
Or Other ?
Answers
Answer:
any kind of boy
Explanation:
I have no type
1. Describe the changes in vision as we age. Are these changes
inevitable due to aging or are there preventative measures we can
take? If so, what are they? (USLO 9.2)
Answers
As we age, our vision undergoes several changes. These changes include a decreased ability to focus on close objects (presbyopia), reduced sensitivity to light,
Increased risk of developing cataracts, and a higher likelihood of developing age-related macular degeneration (AMD). These changes are largely inevitable due to the natural aging process.
However, there are preventive measures we can take to maintain good eye health and potentially delay the onset of age-related vision problems. Regular eye examinations are crucial, as they can detect early signs of eye diseases and enable timely treatment. Protecting the eyes from harmful UV rays by wearing sunglasses and maintaining a healthy lifestyle, including a balanced diet rich in fruits and vegetables, can also promote eye health.
While these measures cannot completely prevent age-related vision changes, they can significantly contribute to maintaining good eye health and potentially slow down the progression of certain conditions.
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3. ______ are defined as goods or services that are required for health and safety.
Answers
Occupational Health and Safety are defined as goods or services that are required for health and safety. Information standards are guidelines governing the information that must be provided to consumers when they purchase specific goods.
What is the safety of goods?A safe product is one that delivers either no risk or a minimum tolerable level of risk, taking into account the product's typical or reasonably foreseeable use and the need to maintain a high level of consumer protection.
Occupational health and safety is a multidisciplinary discipline that deals with all elements of workplace health and safety, with a heavy emphasis on preventing workplace dangers.
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Alisa is employed by Hallmark Cards, Inc., where her responsibilities include maintaining displays of greeting cards in drugstores and discount stores. Her daily activities include straightening the cards, pulling outdated or slow sellers, and installing new cards. Alisa is called a(n) specialty-line wholesaler. full-service stocker. in-store maintainer. assembler. rack jobber.
Answers
Answer: rack jobber.
Explanation:
A rack jobber is alsso called a rack merchandiser and it refers to a company or a trader that display products and also sells such products in a store.
Since the responsibilities of Alisa include displaying the greeting cards, straightening the cards, pulling outdated cards, and installing new cards, then we can infer that Alisa is a rack jobber.
Which of the following statements regarding retirement analysis is correct? O Performing a Monte Carlo Analysis will eliminate the risks associated with retirement planning O Small inaccuracies in the earnings rate or inflation rate will not have much impact over a long period of time. Sensitivity analysis consists of rotating each variable assumption toward the undesirable side of the risk to determine the negative impact a small change will have on the overall plan. O A Monte Carlo Analysis calculates three scenarios: a best case, an expected case, and a worst case basis.
Answers
The statements regarding retirement analysis that is correct is Sensitivity analysis consists of rotating each variable assumption toward the undesirable side of the risk to determine the negative impact a small change will have on the overall plan.
What is a retirement analysis?
A retirement plan analysis can be described as the examination of individuals current plan it can be seen as one that helps to determine if you are on a path to realize your goals for retirement. however the retirement plan analysis can be used to check if you have a plan as well as the contributions are on track.
In conclusion, the Sensitivity analysis can be regarded as the financial model that determines the target variables and the way it can beaffected based on changes in other variables known as input variables.
Therefore, option C is correct.
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Imagine you want to become a chef and restaurant owner. What education and
skills would you need to succeed in this position?
Answers
Answer:
Cooking and business managing skills
Explanation:
To be a chef you need to know how to cook, not just following recipes, but being able to cook food that uses the ingredients and measurements you think it need.
To own a restaurant you need to know how to budget money, what you need to buy, how to be able to pay for a restaurant, how to manage it, how to hire staff and pay your staff.
A bank's net interest margin is calculated by taking net interest income and:
a. dividing it by the bank's capital.
b. dividing it by the bank's assets.
c. dividing it by the sum of the bank's assets and capital.
d. subtracting taxes.
Answers
A bank's net interest margin is calculated by taking net interest income and dividing it by the bank's assets. The correct answer is option (b).
Net interest margin is a key performance indicator that reflects the difference between the interest income earned by a bank on its interest-earning assets and the interest expense paid on its interest-bearing liabilities. Net interest income is the difference between interest income and interest expense, and net interest margin is calculated by dividing net interest income by the bank's average interest-earning assets.
Therefore, option (b) is the correct answer.
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A company provides a sales allowance to a customer. How does this affect the company's income statement?A) the allowance is not shown on the income statementB) gross sales are reduced by the amount of the allowanceC) the allowance is included in operating expensesD) the allowance is included in cost of goods sold
Answers
The sales allowance will make a gross sales are reduced by the amount of the allowance. The correct answer is B) gross sales are reduced by the amount of the allowance.
When a company provides a sales allowance to a customer, this is typically recorded as a reduction in gross sales on the company's income statement. This is because the allowance effectively reduces the amount of revenue that the company is able to recognize from the sale. As a result, the company's gross sales are reduced by the amount of the allowance, which will also have an impact on the company's net income.
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Use these graphics to answer the question.
An association of medical researchers examined exercise trends among adults.
pls help need an answer fast
Which ratio shows the relationship between the total percent of people who exercised in 2014 to the percent of adults ages 18–24 who exercised in 2016?
47:42
58:45
48:59
48:50
Answers
The ratio that represents the relationship between the total percent of people who did exercise in 2014 compared to the the percent of adults ages 18–24 who exercised in 2016 is 48:59.
What is a ratio?A ratio is the comparison of two figures, this can be done with the past data, or can be done with the budgeted or any competitor. In the example given the data is compared with the past data, base year is 2014 and the current year is 2016.
The ratio that is calculated represents that the total percentage of people were 48% in 2014 and the adults in 2016 as a total represents a percentage of 59% and therefore the ratio is 48:59.
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Recording accounts receivable denominated in a foreign currency On June 19, a U.S. company sold and delivered merchandise on a 30-day account to a German corporation for 160,000 Euros. On July 19, the German company paid the U.S. company in full. Relevant currency rates were: June 19 July 19 Spot rate $1.168 $1.170 30-day forward rate 1.180 1.184 What amount should the U.S. company record on June 19 as an account receivable for its sale to the German company?
Answers
To determine the amount that the U.S. company should record on June 19 as an accounts receivable for its sale to the German company, we need to convert the sale amount denominated in Euros to U.S. dollars using the spot rate.
Given:
Sale amount: 160,000 Euros
Spot rate on June 19: $1.168 per Euro
To convert Euros to U.S. dollars, we multiply the sale amount by the spot rate:
Account receivable = Sale amount * Spot rate
Account receivable = 160,000 Euros * $1.168 per Euro
Account receivable = $187,680
Therefore, the U.S. company should record $187,680 as an accounts receivable on June 19 for its sale to the German company.
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Wright Company deposits all cash receipts on the day when they are received and it makes all cash payments by check. At the close of business on May 31, 2017, its Cash account shows a $27,500 debit balance. The company’s May 31 bank statement shows $25,800 on deposit in the bank. The May 31 bank statement lists $100 in bank service charges; the company has not yet recorded the cost of these services. Outstanding checks as of May 31 total $5,600. May 31 cash receipts of $6,200 were placed in the bank’s night depository after banking hours and were not recorded on the May 31 bank statement. In reviewing the bank statement, a $400 check written by Smith Company was mistakenly drawn against Wright’s account. The bank statement shows a $600 NSF check from a customer; the company has not yet recorded this NSF check. Prepare a bank reconciliation for the company using the above information.
Answers
Answer:
Please see solution below
Explanation:
Bank reconciliation as at June 31st.
•Bank statement balance
$25,800
Add:
Bank service charges
$100
NSF check
$600
Wrong drawn
$400
Total
$1,100
Adjusted bank balance
$26,900
Bank reconciliation as at June 31st.
•Cash book balance
$27,500
Add: outstanding checks
$5,600
Balance
$34,100
Less: deposit in transit
($6,200)
Adjusted book balance
$26,900
discuss the relationship between the manufacturing planning and control system and the supply chain.
Answers
The manufacturing planning and control (MPC) system plays a crucial role in the overall functioning and efficiency of the supply chain. It serves as the backbone of operations, ensuring that the right products are produced at the right time, in the right quantities, and at the right cost.
The MPC system is responsible for managing various aspects of the manufacturing process, such as production planning, scheduling, inventory management, and resource allocation. It takes into account factors like customer demand, production capacity, lead times, and material availability to create an optimized plan for production.
In the context of the supply chain, the MPC system interacts with multiple stakeholders and processes. It receives inputs from the sales and operations planning (S&OP) process, which aligns demand forecasts with production capabilities. It also coordinates with procurement and supplier management to ensure timely availability of raw materials and components.
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4. Identify three factors that can lead to conflict in a hospitality environment
Answers
Conflicts in hospitality environments can arise due to various factors, but some common factors include communication breakdowns, personality clashes, and workload imbalances.
Poor communication can lead to misunderstandings between staff members and with customers, which can result in conflicts. Personality clashes can arise when different personalities or work styles do not mesh well together, leading to friction and tension among employees. Workload imbalances can lead to feelings of resentment and unfairness, especially if some employees feel like they are doing more work than others without proper recognition or compensation.
Hospitality environments require effective communication, collaboration, and a positive work culture to prevent and address conflicts in a timely and respectful manner.
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discusd five reasons why some people in your community do not participate your campaign?
Answers
Brooks Development Corporation (BDC) faces the following capital budgeting decision. Six real estate projects are available for investment. The net present value and expenditures required for each project (in millions of dollars) are as follows:
Project 1 2 3 4 5 6
Net Present value ($Millions) $15 $5 $13 $14 $20 $9
Expedature required ($Millions) $90 $34 $81 $70 $114 $50
There are conditions that limit the investment alternatives:
• At least two of projects 1, 3, 5, and 6 must be undertaken.
• If either project 3 or 5 is undertaken, they must both be undertaken.
• Project 4 cannot be undertaken unless both projects 1 and 3 also are undertaken.
The budget for this investment period is $220 million.
a. Formulate a binary integer program that will enable BDC to find the projects to invest in to maximize net present value, while satisfying all project restrictions and not exceeding the budget
Answers
Making a capital budgeting choice! In order for me to better assist you, kindly give me with the net present value and necessary expenses for each of the six real estate projects.project (in millions of dollars) are as
Making a financial plan for a specific time period for a company or a person is the process of budgeting. It entails anticipating and allocating resources for upcoming costs while accounting for anticipated revenue, costs, and other financial commitments. Budgeting is crucial because it makes it possible to monitor an organization's financial development and guarantees that its financial resources are used wisely. It offers a framework for making decisions and aids in finding possible areas for cost-saving strategies and savings. There are many different sorts of budgets, including operational, capital, cash, and master budgets. Accurate financial information, reasonable assumptions, ongoing monitoring, and review are necessary for effective budgeting.
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what will I need to start a clothing shop
Answers
Answer:
Explanation:
But meanwhile his you are going to start a new clothing business you will not have much finance ( money ) but first u have to advertise to the customers . get the customers attraction and there satisfaction , because then one customer will spread the whole news about your clothing shop to almost all the customers. which will be beneficial for you .
You will have to advertise on the tv , radio , bill boards , newspapers , many other marketing equipments plus u must advertise your business in a way that the customers will be willing to purchase your clothes from your clothing shop.
Then eventually you will gain more profits and will lead to profits so after sometime you can create a a online shopping like a website , because some and many customers will be willing to purchase your clothes through the online platform. which saves the customers time and transportation costs and etc.
By the way the main element is customers because without customers there will be no lead / success to your clothing shop.
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Have a great day.
Mark brainliest :)
What are some things that the presenter can do to engage the audience?
Answers
Answer:
Wow
Explanation:
Co
Answer:
Start your presentation by making them think. Ask them a question, or start with statistics. Make your presentation as relatable as it can possibly get. DON'T repeat yourself. I causes the audience to get board. Don't tell them why your presentation matters, show them. Be confident and do your best. It spreads a positive message and the more confident you seem on the topic and on the presentation the more people will want to listen.Explanation: BELIVE IN YOURSELF AND DO YOUR BEST, if it still doesn't go well, life might be trying to tell you something.
Hope this helps! I know you'll do great!
Smitha saw a box of collector's edition comic books at Comics Galore, a retail corporation. Each comic was priced at $28.50. A friend of hers who bought five books was required to pay only $19.99 per book. Smitha bought just one book and received no discount. Comics Galore's revenue from Smitha's and her friend's combined purchases was _____. a. $128.45 b. $19.99 c. $99.95 d. $28.50
Answers
Comics Galore's revenue from Smitha's and her friend's combined purchases was $128.45. Therefore, the correct answer is option (a).
Smitha saw collector's edition comic books at Comics Galore, priced at $28.50 each.
Her friend received a discounted price of $19.99 per book when purchasing five books, while Smitha bought only one book at the full price. The question asks for the combined revenue from Smitha's and her friend's purchases.
Smitha's friend bought five collector's edition comic books at a discounted price of $19.99 per book. Since Smitha bought just one book and received no discount, she paid the full price of $28.50.
To calculate the combined revenue from their purchases, we can sum up the amounts paid by Smitha's friend and Smitha herself. Smitha's friend paid $19.99 × 5 = $99.95 for five books. Smitha paid $28.50 for her single book.
Adding these amounts together, the revenue from their combined purchases at Comics Galore is $99.95 + $28.50 = $128.45.
Therefore, the correct answer is option (a) $128.45.
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Which of the following statements are correct in describing the efficiency of new public expenditures?(Check all that apply.)
Though the government typically funds socially valuable projects as part of a countercyclical fiscal policy, government waste is often a problem. The efficiency of public expenditures deteriorates when large sums of new government expenditures need to be spent quickly. The urgency makes it harder to identify and efficiently implement the projects that are socially beneficial. In addition, many of the projects with the highest social return have been funded already, raising the chance that a new project won't be socially desirable. Sometimes politics and special interests also get in the way, increasing the chances that wasteful projects with negative social value get funded. Finally, another important determinant of the effectiveness of expenditure-based policies is the lag in implementation. Long lags raise the concern that by the time many of the projects are implemented, the economy might already be past the point where these projects would have been most useful.
Answers
The correct statements that describe the efficiency of new public expenditures are as follows:Government waste is often a problem when the government typically funds socially valuable projects as part of a countercyclical fiscal policy.
Many of the projects with the highest social return have already been funded, raising the chance that a new project won't be socially desirable. Politics and special interests often get in the way, increasing the chances that wasteful projects with negative social value get funded. Long lags raise the concern that by the time many of the projects are implemented, the economy might already be past the point where these projects would have been most useful.
The efficiency of public expenditures deteriorates when large sums of new government expenditures need to be spent quickly. The urgency makes it harder to identify and efficiently implement the projects that are socially beneficial. These are the statements that describe the efficiency of new public expenditures.
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logan company and clayton company assign manufacturing overhead to work in process inventory using direct labor cost. the following information is available for the companies for the year: logan company clayton company actual direct labor cost $ 200,000 $ 112,500 estimated direct labor cost 187,500 125,000 actual manufacturing overhead cost 72,500 95,000 estimated manufacturing overhead cost 75,000 100,000 required compute the predetermined overhead rate for each company. determine the amount of overhead cost that would be applied to work in process inventory for each company. compute the amount of overapplied or underapplied manufacturing overhead cost for each company.
Answers
1. The computation of the predetermined overhead rate for each company is as follows:
Logan Clayton
Predetermined overhead rate $0.40 $0.80
2. The determination of the overhead cost applied to work in process for each company is as follows:
Logan Clayton
Applied overhead cost $80,000 $90,000
3. The computation of the overapplied or underapplied manufacturing overhead cost for each company is as follows:
Logan Clayton
Overapplied overhead $7,500
Underapplied overhead ($5,000)
What is the predetermined overhead rate?The predetermined overhead rate is the result of the division of the estimated manufacturing overhead by the estimated total cost-driver units.
For instance, Logan Company's estimated manufacturing overhead is divided by the estimated direct labor cost (cost-driver).
Logan Clayton
Actual direct labor cost $200,000 $112,500
Estimated direct labor cost 187,500 125,000
Actual manufacturing overhead cost 72,500 95,000
Estimated manufacturing overhead cost 75,000 100,000
Predetermined overhead rate $0.40 $0.80
($75,000/$187,500) ($100,000/$125,000)
Applied overhead cost $80,000 $90,000
($200,000 x $0.40) ($112,500 x $0.80)
Overapplied or underapplied overhead $7,500 ($5,000)
Overapplied overhead = $7,500 ($80,000 - $75,000)
Underapplied overhead = -$5,000 ($90,000 - $95,000)
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Posit Company has a financial relationship with Sparkle Inc. , a separate legal entity, but does not own any of Sparkle's voting stock. On January 1, 2020, Posit determines that Sparkle is a variable interest entity and that Posit is Sparkle's prime beneficiary. Sparkle's shareholders' equity on January 1, 2020 is as follows:
Capital stock $3,000
Retained deficit(500)
Total $2,500
Sparkle's net assets are reported at values approximating fair value, but it has previously unreported identifiable intangible assets valued at $7,000. The fair value of Sparkle at January 1, 2020 is $16,000.
Assume Posit and Sparkle were already under common control. On a January 1, 2020 consolidated balance sheet, the noncontrolling interest in Sparkle is reported at:
A. $0
B. $16,000
C. $ 2,500
D. $8,000
Answers
The correct option is B) 16,000. On January 1, 2020, consolidated balance sheet, the non-controlling interest in Sparkle is reported at $16,000.
Variable interest Entity in which control over other entities is achieved through arrangements that do not involve ownership or voting rights.
The variable interest entity is consolidated by the primary beneficiary which is the enterprise that has the power to direct significant activities of the Variable Interest entity. In the given question posit and sparkle are under common ownership. So consolidated financial statements will be done.
In case of a consolidation, the full value of unreported identified intangible assets will be shown in the balance sheet.
Now the fair value of the intangible assets is $16,000
Based on the general rule of consolidation entire $16,000 will be reported as goodwill.
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A company wants to determine what price consumers will pay for a new sandwich. At one store, the company charges $3. 59. At another comparable store, the company charges $4. 59. Sales are tracked at both locations for a one-month period. The data collected in this example is __________ data
Answers
Sales are tracked in both locations over a period of one month. The data collected in this example is quantitative data.
What is quantitative data?It corresponds to information that can be measured numerically, that is, it is numerical and statistical data, generating non-subjective and reliable conclusions.
Therefore, quantitative data provide a structured and reliable basis for a research project, through information measured by graphs, indexes and calculations.
In this case, since the company wants to determine what price consumers will pay for a new sandwich. and compares the prices at the locations, the data collected in this example is qualitative data.
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A bank manager lends a client $1,000,000 for six months. The corporate borrower repays $1,050,000 in six months. The bank charges a $1,000 fee to set up the loan. What is the EAR or effective annual rate on the loan?
Answers
The Effective annual rate on the loan are 5.0625%.
The EAR or effective annual rate on the loan is the annual rate of interest that accounts for the effects of compounding.
In this case, the bank manager lends a client $1,000,000 for six months and the corporate borrower repays $1,050,000 in six months. The bank also charges a $1,000 fee to set up the loan.
To calculate the EAR, we need to use the following formula:
EAR = (1 + r/n)^(n) - 1
Where r is the annual interest rate, and n is the number of compounding periods per year.
In this case, r = ($1,050,000 - $1,000,000)/$1,000,000 = 0.05 or 5%
And n = 2, since the loan is for six months and there are two six-month periods in a year.
Plugging in the values into the formula, we get:
EAR = (1 + 0.05/2)^(2) - 1
EAR = 1.025^2 - 1
EAR = 1.050625 - 1
EAR = 0.050625 or 5.0625%
Therefore, the EAR or effective annual rate on the loan is 5.0625%.
It is important to note that the $1,000 fee is not included in the calculation of the EAR, as it is a one-time charge and not part of the interest rate.
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