When entering into an income-based repayment option, a student must contact their student loan service provider. to select the repayment plan option.
A loan is a type of debt that a person or other entity incurs. The lender gives the borrower a financial advance.
A student loan is a contract whereby a college or university student borrows money from a bank to pay for their education and then must repay the loan once they have finished their studies and begun working.
The loan servicing specialist oversees fast debt repayment and is compensated with a minimum percentage of the compensation that the borrower is required to pay. It helps to prevent complicated loans and promotes a positive working relationship between the financial institution and the defaulter.
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what are your initial thoughts about this new information? what additional information do you think you would need in order to evaluate the claims?
Since the question it is not mentioned what evaluation has to be made, I will discuss what information is needed to evaluate a Claim.
Claim means to demand something of value because you believe that you have a right to it. An evaluation of a claim makes a statement about what is good or bad, right or wrong.
To evaluate a claim, we have to, first of all, make sure that it is valid. Evidence is a statement that is used to evaluate a claim. It should be reliable, relevant, comprehensive, and sufficient.
Fact, judgment, and testimony are three important that are helpful while evaluating a claim. while evaluating a claim, one must make sure that the information is having accuracy, authority, relevance, currency and purpose.
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Which of the following resources offers incentives for achieving fitness goals? can be multiple answers.
A.
IDEA
B.
President's Challenge
C.
ShapeUpAmerica
D.
LiveStrong
Answer:
The answer would be B. President's Challenge
Explanation:
I believe I took something similar to this
maria left todd a voicemail, offering to pay him $25 to shovel the snow from her driveway while she went away for the weekend. todd did not reply to the voicemail but completed the shoveling job. maria paid him the $25 upon her return. this scenario best illustrates a(n) .
This illustrates a verbal contract between the two people, Maria and Todd.
What is a verbal contract?A contract that has been agreed upon verbally is one whose terms have been expressed verbally. Unlike a written contract, which is a written document, this one is not. However, certain countries either demand that a contract be in writing in specific situations or that a contract be evidenced in writing. In general, oral contracts are just as legitimate as written ones. The latter is exemplified by the Statute of Frauds' demand that a guarantee contract be documented in writing. An oral contract may have a shorter statute of limitations than a written one, and vice versa. Oral contract can also be referred to as verbal contract in specific cases.
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see the income and benefits information for a wage earner in an antipoverty program in the table below. if the wage earner chooses to work additional hours, what will be the impact on total income under a phased-out approach?
The interaction of labor supply and demand on the market determines wage rates. The business will hire as much labor as its marginal labor cost equals its marginal labor revenue output.
The interaction of labor supply and demand on the market determines wage rates. The business will hire as much labor as its marginal labor cost equals its marginal labor revenue output. The definition of a wage rate is the amount paid to employees. It is one of the major topics covered in human resource studies. It depends on two things: either the amount of production hours or productivity at work. This field of research is called wage rate economics. Wage rates quantify the fundamental compensation for each unit of output or of time.
Contrarily, in a wage system, a person is paid according to the current wage rate, which is subject to change.
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on january 1, 2022, jason company issued $5 million of 10-year bonds at a 10% coupon interest rate to be paid annually. the following present value factors have been provided: time period interest pv of $1 pv of a $1 annuity 10 10% 0.386 6.140 10 8% 0.463 6.710 10 12% 0.322 5.650 calculate the issuance price if the market rate of interest is 12%.
The bond issuance price for Jason company if the market interest is 12% is $4,435,000 (C).
To calculate the bond issuance price, we have to know 2 things first:
Present value of the bond maturity value Present value of the bond interest paymentsFrom the casse, we know that:
Bond value = $5,000,000
T = 10 years
Coupon interest rate = 10%
Market interest rate = 12%
The present value factors table is attached below.
Present value of the bond maturity value can be calculated by multiplying the bond value with PV of $1 at the market interest rate:
Present value of the bond maturity value = ($5,000,000 x 0.322)
Present value of the bond maturity value = $1,610,000
Present value of the bond interest payments is calculated by multiplying the bond interest at its coupon rate with PV of $1 annuity at the market interest rate:
Present value of the bond interest payments = ($5,000,000 x 10%) x 5.65
Present value of the bond interest payments = $4,435,000
Focus that the 10% coupon rate is only used for calculating the interest payment of the bond. The present value factor used for calculating the issuance price of the bond refers to the 12% market interest rate data.
Next, we would add both present values to find the bond issue price:
Bond issue price = PV of the bond maturity value + PV of the bond interest payments
Bond issue price = $1,610,000 + $2,825,000
Bond issue price = $4,435,000
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Complete Question:
On january 1, 2022, jason company issued $5 million of 10-year bonds at a 10% coupon interest rate to be paid annually. the following present value factors have been provided:
(Refer to the table attached below)
Calculate the issuance price if the market rate of interest is 12%
a. $4,427,000
b. $4,477,500
c. $4,435,000
d. $5,000,000
rachel has drafted a plan for her firm that explicitly analyzes the marketing and advertising situation, identifies the objectives of the advertising campaign, clarifies a specific strategy for accomplishing those objectives, and indicates how the firm can assess whether the campaign was successful. this subsection of the firm’s overall marketing plan is called its:___.
This subsection of the firm’s overall marketing plan is called its Advertising Plan.
How is advertising carried out?Traditional outlets for advertising include newspapers, magazines, television, radio, direct mail, billboards, posters, and other media. Advertisers have increasingly used digital technologies in the twenty-first century to increase awareness of their brands and causes.
What is the main objective of the advertising industry?Advertising's main goal is to increase the number of people who buy your products. Ads that persuade consumers that your product is exceptional, useful, or wanted will assist you in accomplishing this.
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the government's role in a developing country is important during the country's development process because a. building social overhead capital cannot be taken on by the private sector. b. building infrastructure is a huge project that only the government can undertake. c. many social projects are associated with the free-rider problem, which minimizes the rate of return to the private sector. d. all of these
Option d. all of these is the correct option as the government's role in a developing country is important during the country's development process.
How come a nation is referred to as developing?A developed country, often known as an industrialized country, has a sophisticated economy that is typically gauged by the GDP and/or the average annual income of its citizens. The industrial and service sectors of developed nations are varied and have state-of-the-art technical infrastructure.
What is a developing nation?A developing country, often known as a less developed country or an emerging market, has a lower GDP than developed countries and a less developed and sophisticated economy.
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umpqua defines other financial institutions that perform banking services as their competitors. therefore they take a/an ___________ of its competition.
Umpqua defines other financial institutions performing banking services as their competitors. therefore they take advantage of its competition.
Firms or sellers compete for customers' business in a market in order to attain a certain commercial goal, such as maximizing earnings, sales, or market share. In this context, the word rivalry is frequently employed to describe competitiveness. It is also described as a situation in which several business organizations compete for the acquisition of commodities that are limited by a number of market factors.
It is not uncommon for financial institutions, such as banks, to compete with one another for customers. In a competitive market, these institutions may offer a variety of services and products, such as loans, investment products, and checking and savings accounts, in an effort to attract and retain customers. In some cases, institutions may also offer competitive interest rates or other benefits in order to gain an advantage over their competitors.
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machinery purchased for $68,400 by bramble co. in 2016 was originally estimated to have a life of 8 years with a salvage value of $4,560 at the end of that time. depreciation has been entered for 5 years on this basis. in 2021, it is determined that the total estimated life should be 10 years with a salvage value of $5.130 at the end of that time. assume straight-line depreciation. (a) prepare the entry to correct the prior years' depreciation, if necessary.
No entry will be required in the case of the prior years' depreciation.
What is a Journal entry?A journal entry seems to be the act of recording any transactions, whether one that is commercial or not. An accounting diary that displays the debit, as well as credit positions of a corporation, lists occurrences. Multiple observations, that are all either a charge or a credit, may be included in the journal entry.
The corporation is not obligated to approve any entries changing the depreciation amount from the prior year when the amortization is switched. This will spare you from having to prepare the previous year's accounting information to account for the adjustment. The approach is merely implemented and continued in subsequent years.
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1. compute contribution margin per machine hour for (a) acoustic guitars and (b) electric guitars. 2. determine the most profitable sales mix for the company. 3. compute the month's total contribution margin for the most profitable sales mix.
Contribution is the range of profits final in the end direct costs had been subtracted from sales. This the rest is the quantity available to pay for any constant charges that an enterprise incurs in the course of a reporting duration. Any excess contribution over fixed prices equals the profit earned.
it's far an accounting term that allows enterprise proprietors and executives to music product profitability. The contribution margin is essential to recognize as it indicates how a whole lot of a product's revenue is to be had to cover constant costs and make a contribution to the company's earnings. The difference, therefore, between contribution and earnings is that contribution shows the distinction between the income fee and variable costs for unique products. This then contributes to the constant charges and is going towards the profit of the business.
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Complete Question:
Tableau DA 10-3: Mini-Case, Analyzing sales mix strategies LO P3
Tyler Guitars makes acoustic and electric guitars. It is struggling to determine the profitability of each guitar and decide on which guitar to focus its sales efforts on. Tyler currently has a capacity of 352 machine hours per month. The Tableau Dashboard shows data from the recent month.
1. Compute the contribution margin per machine hour for (a) acoustic guitars and (b) electric guitars.
2. Assume the maximum demand for acoustic guitars is 131 units (not 200 units). How many units of each type of guitar should the company produce?
3. Determine the month’s total contribution margin from the sales mix in part 2.
you have planned out the entire orientation week for the new employees. you decide to start the process with the clarification step so that the new employees understand all the company policies and rules. true false
It is appropriate to start the orientation week with the clarification step so that the new employees understand all the company policies and rules. Therefore, the statement given above is true.
Orientation can be referred to or considered as the process that involves standardization of giving training to the new employees, and also making them comfortable with the organizational environment. The process also ensures to teach the new employees regarding the rules and regulations that revolve around the policy of the organization.
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when a taxpayer has more than one business location, including the home, how can he determine which location is the principal place of business? (check all that apply.)
The location of where the majority of administrative or management tasks are completed is crucial in identifying the central place of business. In general, you can deduct your home office if you don't have another permanent site where you carry out significant administrative or management tasks.
A taxpayer is a natural person or a business that is required to pay taxes. The government may issue identification or reference numbers to people or organizations that pay taxes today. Frequently, the term "taxpayer" refers to someone who pays taxes.
Establishing and planning the department's goals, deadlines, and projects are administrative or management tasks. creates and puts into effect rules and procedures to improve the department's operations and functionality. oversees and makes the necessary purchases for the kitchen, mailroom, reception, and office.
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what are two types of formal integrating mechanisms? multiple select question. board of directors liaison roles permanent teams arbitration staff
liaison roles and arbitration staff are two types of formal integrating mechanisms. Thus, option B and D is correct.
What is an integrating mechanism?Integrating methods improve communication and cooperation so that several departments may cooperate to solve challenges. For larger businesses, integration procedures are crucial since departmental communications can become lost.
From straightforward immediate communication and cause indirect to squads and a structure, formal integration mechanisms are utilized to connect components.
Therefore, option B and D is the correct option.
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powers company reported net sales of $1,390,000, average accounts receivable, net of $59,500, and net income of $59,100. the accounts receivable turnover ratio is:
The accounts receivable turnover ratio of powers company in the above condition will be 23.36 times.
The computation of the accounts receivable turnover ratio can be shown as below, with the appropriate use of the values from the information provided above in the generalized formula. The calculation of the same is as follows,
Accounts Receivable Turnover Ratio = Net Sales / Accounts Receivables
Accounts Receivable Turnover Ratio = 1390000 / 59500
Accounts Receivable Turnover Ratio = 23.36 times
Therefore, the accounts receivable turnover ratio of powers company will be 23.36 times.
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which factors below are environmental factors that may affect how international projects are implemented?
Factors below are environmental factors that may affect how international projects are implemented Economic, Security, Legal/political
The diversity of cultural, regulatory, social, geographical, reporting, and infrastructure distinguishes international projects from domestic ones. International project best practices must be understood by project managers. There are important considerations to be made regarding political, legal, and communication issues. Additionally, the majority of international project managers possess unique abilities and skills.
Compared to domestic project managers, these managers have different expectations. They need to leave their homes, leave their families and companions, learn and communicate in an unknown dialect, submit to an alternate culture and regulations, and experience broad travel.
Lawful and Political: Expatriates must work within the host nation's laws and regulations. A project's execution is influenced by a nation's political stability.Economic: The organization can determine a nation's level of development based on its gross national product (GDP). Monetary steadiness means quite a bit to project achievement. A solid risk management strategy must be in place whenever the project faces risks.Security: Today, terrorist attacks on a global scale are common. Another problem is crime. When a project is being implemented in a different country, risk management also plays a crucial role here. Project managers occasionally encounter security-related ethical issues. Bribery and corruption are the two most prevalent ethical issues. Security precautionary measures should be set up to guard representatives.To know more about international projects visit
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the use of wellness programs and consumer-directed health plans in an organization reflects its objective of controlling the cost of health care benefits. group startstrue or false
The use of wellness programs and consumer-directed health plans in an organization reflects its objective of controlling the cost of health care benefits is True.
What is use of wellness programs?A wellness programme is an all-encompassing health campaign that aims to maintain or enhance wellbeing through a healthy diet, regular exercise, stress reduction, and sickness avoidance. Smoking cessation, weight reduction education, exercise challenges, counselling, and many other initiatives aimed at improving a person's general health can all be included in wellness programmes. In the past, primary care doctors and insurance providers offered wellness programmes. However, it has become more common for businesses to create wellness programmes for their staff.Workplace wellness initiatives not only combat the rising number of unwell workers but also lower medical expenses and insurance premiums. Employers can disseminate information in a variety of ways, including through bulletin boards, wellness movies, booklets, and health-related quizzes.To learn more about Wellness Program refer to:
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according to the e-waste in south africa video case, what has resulted in a business opportunity for bolunga electronic waste company to provide recycling e-waste services?
According to the e-waste in south Africa video case, Bolunga now has the opportunity to offer e-waste recycling services.
They have created a business strategy that collects e-waste from manufacturers and customers before recycling it ethically.
Through their services, Bolunga is assisting in reducing the amount of e-waste that is inappropriately disposed of as well as the effects of e-waste on the environment.
The growing volume of e-waste that is not being properly disposed of has created a commercial opportunity for the Bolunga Electronic Waste firm in South Africa.
E-waste is just thrown out with regular trash in South Africa because there is no structured method for recycling it, posing a serious environmental risk.
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In 1995, when umpqua bank opened in new markets, which type of marketing effort did it utilize?
In 1995, when umpqua bank opened in new markets Formulated marketing
Its discern employer, Umpqua Holdings, is publicly traded. As of 2016, Umpqua bank turned into the largest Oregon-based financial institution and had 350 branches in Oregon, Washington, California, Nevada and Idaho. In October 2021, Umpqua introduced it became merging with Tacoma-based totally Columbia financial institution.
We are the most important bank based inside the Pacific Northwest, with nearly $30 billion in belongings and more than 2 hundred locations in Idaho, Washington, Oregon, California, Nevada, Arizona, and Colorado. in addition to retail banking, Umpqua additionally offers complete commercial enterprise banking and commercial finance offerings.
The call of the mixed financial institution will stay Umpqua financial institution and the call of the preserving employer could be Columbia Banking system, Inc. these adjustments turns into powerful as of the close of the transaction.
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What could the possible causes be for low gross profit and higher cost of sales for your specific business?
The possible causes be for low gross profit and higher cost of sales for your specific business could the higher supplier costs.
The low gross profit margins means your ratio percentage is below industry norms and potentially down from your company's prior periods. In essence, you are not generating strong sales prices relative to your cost of goods sold or COGS, which are your costs to make or acquire products.
One of the simplest factors that can lead to declining margin is higher costs of goods sold. Over time, your suppliers naturally want to increase their own revenue and margins. Their own cost to produce or supply may go up.
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avoidable costs are costs that cannot be eliminated by choosing one action over another. group startstrue or falsetrue, unselectedfalse, unselected
Expenses that cannot be avoided by selecting one course of action over another are known as avoidable costs. is accurate.
A cost is the value of money used to manufacture an item or offer a service but which is now unavailable for use in manufacturing, research, retail, or accounting. When calculating an acquisition cost, the sum of the acquisition's costs is taken into account. In this instance, money is the input used to obtain the item. This acquisition cost may include both additional transaction expenses incurred by the acquirer over and beyond the price given to the producer, as well as the cost of production as borne by the original producer. Typically, there is a profit margin added to the price over the cost of production.
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if the economy is on the outside of the production possibilities frontier with an inflation rate of 3%, which might be a response of the federal open market committee (fomc)
If an economy is operating on its production possibilities frontier, it must produce less of one good if it produces more of another.
What is production possibilities frontier?
The production possibility frontier (PPF) is a curve on a graph that depicts the potential output of two goods whose production is dependent on the same limited resource. Another name for the PPF is the production possibility curve.
Opportunity cost in the production of commodities is what is lost when resources are diverted from one product to another. A curve on a graph depicts the quantity that can be generated to its maximum.
The production possibility frontier (PPF), which depicts situations that are impractical given the available resources, is above the curve.
The PPF illustrates that a rise in one commodity's production can only occur when the output of the other commodity falls.
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which racing organization saw its television ratings increase 28% over 2021 to a season average of 1.2 million viewers?
The racing organization which saw its television ratings increase 28% over 2021 to a season average of 1.2 million viewers is F1
What was the 2021 record of Formula 1 (F1)?Formula 1 (F1) breaks record for TV audience size in USA. The media network combined viewership across the ESPN, ESPN2 and ABC channels and for calculating its figures, which was a 28% increase on the previous record set last year of 949,000 viewers on average per race.
Therefore, the racing organization which saw its television ratings increase 28% over 2021 to a season average of 1.2 million viewers is F1.
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rolf steps is the production manager for a local manufacturing firm. this company produces staplers and other items. the annual demand for a particular stapler is 1,600 units. the holding cost is $2 per unit per year. the cost of setting up the production line is $25. there are 200 working days per year. the production rate for this product is 80 per day. if rolf decided to produce 200 units each time he started production of the stapler, what would his maximum inventory level be? group of answer choices 180 200 100 90
Rolf Steps' maximum inventory level would be 126 units. Maintaining inventory control in line with demand is crucial.
How do you calculate the maximum inventory level?Annual demand = 1,600 units
Holding costs = $2 per unit
Setup cost = $200 ($25 x 8)
Working days per year = 200 days
Production rate per day = 80 units
Number of setup = 8 setups (1,600/200)
Re-order quantity = square root of (2 x 1,600 x $200)/$2
= 566 units
Maximum inventory units Level = Re-order level + Re-order quantity – (Minimum usage × Minimum lead time)
= 200 + 566 - (80 x 8)
= 766 - 640
= 126 units.
What is meant by the maximum inventory level?The maximum stock level is the most amount of merchandise that a business can keep on hand in order to serve its clients as cheaply as feasible. Maintaining inventory control in line with demand is crucial.
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Which one of the following is a primary component of an internal control system? O Monitoring O Chain of command Financial pressure O Physical controls O Bonding
The primary component of an internal control system is physical controls. The 5 primary elements of an inside system square measure (1) management atmosphere, (2) risk assessment, (3) management activities, (4) data and communication, and (5) observation.
Opportunity isn't a primary part of an inside management system; it's one among the 3 elements of the fraud triangle. When instrumentality, inventories, securities, money and different assets square measure secured physically. this could occur through the employment of locks, safes, or different environmental controls. Access is restricted to those magisterially to handle them.
One of the internal control system activities is segregation of duties. completely different people ought to be accountable for authorizing transactions, recording transactions, having custody of assets, and performing arts comparisons/reconciliations.
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What is the potential for losing money in the stock market if an individual keeps their money invested for one year?
It is estimated the potential for losing amount in both new and experienced stock market investors alike to lose up to 90% of their investment.
It can be challenging to maintain a position in the stock market during times of turbulence. But it's one of the finest methods to build wealth over the long run. Market corrections have taught us that losing value is not the same as losing money. In the long run, it is unlikely that retaining or switching to cash will be a prudent decision, even while doing so may feel good mentally and prevent short-term stock market volatility. When you sell a stock that has lost value, your paper loss becomes an actual loss.
Money is one of the key advantages of a long-term investment strategy. The longer you retain your shares, the less fees you will incur, making holding your stocks in your portfolio longer more cost-effective than frequent buying and selling. Most of the time, when a stock climbs 20% to 25% past a suitable buy price, profits should be taken. Other times, such as when a stock increases by more than 20% from a breakout point in just three weeks or fewer, call for a lengthier holding period. These quick-moving animals must to be kept for at least eight weeks.
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a stock has generated an annual average return of 11.0% with a standard deviation of 36.4% during the last 10 years. if the average risk-free rate was 1.8%, what was this stock's sharpe ratio? round to two decimal places. answer in decimals, rounded to two decimal places. (e.g., 0.347
After the calculations Stock's sharpe ratio 11-1.8/36.4= 0.25
The Sharpe ratio evaluates the relationship between an investment's return and risk. The idea that excess returns over time may indicate greater volatility and risk rather than investment expertise is expressed mathematically in this way.
The Sharpe ratio aims to illustrate how effectively an asset's return reimburses an investor for the risk taken. Investors typically find it interesting when two assets are compared because the one with a higher Sharpe ratio seems to offer a better return for the same risk.
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consider the following two assets: asset expected return beta x 5.8% 0.8 y 14.2% 1.8 if the risk free rate is 1%, what will happen to the prices of assets x and y in an efficient market?
Asset Y's price will rise and Asset X's price will fall in an efficient market.
Asset price inflation is an economic phenomenon in which the price of an asset rises, resulting in inflation. A common reason for rising asset prices is low interest rates. When interest rates are low, investors and savers cannot easily generate returns using low-risk methods such as government bonds and savings accounts. Still, to get a return on investment, investors have to buy other assets instead, such as stocks and real estate, which drives up prices and causes asset price inflation.
When people talk about inflation, they usually refer to common goods and services tracked by the Consumer Price Index (CPI). The index excludes financial assets and fixed assets. Don't confuse inflation in financial assets with inflation in consumer goods and services. The prices for the two categories are often separate.
Examples of typical assets are stocks and bonds (and their derivatives), real estate, gold and other capital goods. It can also include alternative assets such as art, luxury watches, cryptocurrencies, and venture capital.
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question content areafor accounting purposes, stated value is treated the same way as par value. true false
The given statement is true.
Par Value. Otherwise called the presumptive worth of the security, the par value is the amount of cash that the enterprise vows to pay at the bond's termination.
Performance and accountability reporting (PAR) is the method involved with compiling and documenting factors that evaluate an association's accomplishments, proficiency and adherence to financial plan, comparing genuine outcomes against recently expressed objectives.
Picture result for what is par value in accounting
It is determined by subtracting retained earnings from all out value. peruse more at par = par value * number of shares issued. Extra paid-in capital. It is the profit an organization gets when it gives the stock without precedent for the open market.
Par value is the expressed presumptive worth of a bond. It is typically set at $1,000, which is the face sum at which the issuing element will reclaim the bond endorsement on the development date. The par value is likewise the sum whereupon the substance ascertains the interest that it owes to investors
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A person based in japan buys shares of general motors through the new york stock exchange. this is an example of?
General Electric shares are purchased through the Stock Exchange of New York by a man based in Japan. Transnational investment looks like this.
Which three major stock exchanges are there?As of October 2022, the NY Stock Exchange has the biggest equity market capitalisation in the world, with little over 22.1 trillion USD. The Ibm, as Shanghai Stock Exchange and indeed the Euronext were the next three markets.
Who works in the stock market?A stock trader, also known as an equity trader, share trader, or share dealer, is a person or business that deals in equity securities and tries to make money by buying and selling such assets. Investors, agents, hedging professionals, arbitrageurs, speculators, etc.
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in the absence of product differentiation, to prevail, leading to profits. group of answer choices barriers to entry tend; high barriers to entry tend; low price competition tends; low
In the absence of product differentiation, lower prices than competitors lead to profits
In the absence of product differentiation, companies may compete on the basis of price to attract customers and increase profits. This means that they may try to offer their products at lower prices than their competitors to make them more appealing to customers. A company can gain a larger market share and increase its profits by offering a lower price.
Another way to increase profits in the absence of product differentiation is by reducing costs. This can involve cutting production, marketing, and overhead expenses or finding more efficient ways to produce their products. A company can potentially increase its profit margin and generate more profits by reducing costs. Additionally, companies may differentiate themselves through their brand, reputation, or customer service to gain a competitive advantage and increase profits.
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