In the secondary mortgage market for commercial loans, separate tranches normally allocate credit risk.
What is mortgage?When you and a lender enter into a mortgage, the lender is granted the power to seize your property if you are unable to pay back the loan amount plus interest. To purchase a property or borrow money against the value of a home you currently own, you can use a mortgage loan. In plainer terms, a mortgage is an agreement that a person enters into with a bank when they borrow money from the institution (bank loans) and pledge a piece of real estate as security for the bank until the full amount is repaid. There are two other categories of mortgages: 1) Conventional mortgages Second-lien mortgages 3) Mortgages with government insurance 4) Fixed-rate mortgages 5) Mortgages with adjustable rates
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assuming that the cost driver for housekeeping costs is the amount of occupied space, what is the allocation of housekeeping costs to department b?
$200,000 is the allocation of housekeeping costs to department b.
The occupied space of Department A is 5000, Department B is 10,000, Department C is 15,000, and Department D is 20,000. So, the total is 50,000 sq ft. $ value per sq feet = $1 million/50,000sq ft. = $20. So, Department B allocation = 10,000 x $20 = $200,000.
In accounting, housekeeping basically refers to the process of paying attention to and maintaining your financial situation on a regular basis. For improved overall financial health, give your budget a quick once-over each week or polish up your savings with greater preparation and investigation.
The cost of labor, often known as salary and wages, is the most expensive operational expense in the housekeeping division. Operational expenses also include the price of all-recycled inventory items, such as cleaning and visitor supplies.
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Which one of the following is not a control procedure used for over-the-counter receipts?
A. Pre-numbered checks are used to buy supplies.
B. Providing the customers with an itemized receipt.
C. Use of a cash register where the amount rung up is clearly visible to the customer.
D. A cash register's tape is locked in the register and only a supervisor can access it.
pre-numbered checks are used to buy supplies and are not a control procedure used for over-the-counter receipts.
pre-numbered formsReceipt books, license books, Local Purchase Orders (LPO), payment requests, and any other pre-numbered document used in the receipt or expenditure of public funds are examples of pre-numbered forms. Banks and retail chains will also play a crucial role in the last round of cash withdrawal from circulation. Pre-numbered Forms include receipt books, license books, Local Purchase Orders (LPO), payment requests, and any other pre-numbered document used in the receipt or expenditure of public funds.
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"The scope of market management depends on the size and nature of the business " . Justify the statement and critically analyse the current situation
Answer: Yes. The scope of market management depends on the size and nature of business.
Explanation:
The market management depends on various aspects of business and vise versa. It can happen both ways. Market management is the process of planning, decision making, controlling the marketing aspects of the company in terms with the goals and nature of the company. The type of marketing is determined by the size, nature and type of business. All these must go hand in hand to run a successful business.
g an exchange rate that has an officially fixed value less than its fundamental or market equilibrium is called a
Devaluation is when officially fixed exchange rate is less than its fundamental or market equilibrium.
How is the exchange rate calculated?A currency's relative value expressed in terms of another currency is called an exchange rate (or group of currencies). The exchange rate is a significant economic variable for nations with active international trade, like Australia. Exchange rates for floating currencies are determined by the relative supply and demand of each currency. As the supply and demand for each currency change, the exchange rates between the two currencies fluctuate. There are four basic types of exchange rate regimes: controlled float, crawling peg, adjustable peg, and pegged (also known as adjustable peg, crawling peg, basket peg).
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assume the mpc is 0.80. if the government wants to eliminate an ad shortfall of $300 billion, it should
The government wants to eliminate an ad shortfall of $300 billion, it should Cut taxes by $240 billion.
How to calculate Cut taxes?Cut taxes=mpc/shortfall
=0.80/300
=240
A tax cut means that less money is being collected from taxpayers to fund government spending. Tax reductions enhance people' discretionary income while reducing the government's revenue. When we talk about tax cuts, we typically mean a decrease in the percentage of tax on income, products, and services. Tax reductions are an example of an expansionary fiscal policy since they provide consumers greater discretionary income. Tax reductions also take into account the elimination of tax credits, deductions, and loopholes.When tax is reduced determines how the economy is impacted. Policies that boost lower- and middle-class households' disposable income are more likely to boost total spending and "therefore stimulate the economy."To learn more about Cut taxes refer to:
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by the 1990s, 3m was starting to develop some problems. what were the causes of these problems? be sure to identify the specific issues and causes.
By the 1990s, 3M, a young corporation, would have faced an early demise because to Okie's invention of waterproof sandpaper and the usage of subpar minerals, anorthosite.
Write a short note on 3M.In Northern Minnesota, under the name Minnesota Mining and Manufacturing Company, 3M got its beginnings as a small-scale mining operation more than a century ago. Our products, which are now a global powerhouse, enhance people's daily lives everywhere. Our company's five founders' single objective when 3M was founded in 1902 was to dig for corundum, a mineral that is perfect for creating sandpaper and grinding wheels.
It turned out that what they had believed to be corundum was actually anorthosite, a low-grade mineral. But the collaborative and innovative attitude still guides 3M today. Therefore, rather than giving up, we looked to alternative materials, used them in other products, and acquired the trust of important investors, and gradually built up sales. Large global corporation 3M developed knowledge management solutions to solve their communication issues.
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Specifying a clear objective for an advertising campaign help in selecting ________ and ________ the campaign.
Defining a defined purpose for an advertising campaign aids in media selection and campaign evaluation. Thus, the correct answer is media and evaluation.
What is the goal of a marketing campaign?Advertising campaigns are created to accomplish a certain aim or set of goals. Such objectives frequently include building a brand, enhancing brand awareness, and raising the rate of conversions/sales. Using effectiveness metrics, the rate of success or failure in accomplishing these objectives is determined.
There are the following types of campaign objectives: awareness, consideration, and conversion. The target you choose should fall into the category that is closest to your current advertising goals. Using awareness to generate interest in your product or service.
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what is the difference between a tax credit and a tax deduction? a. a tax credit represents money owed to you, while a tax deduction represents money
Tax credits directly lower the amount of tax you owe, while tax deductions lower your taxable income.
How Do Taxes Operate?Taxes are required payments made to individuals or enterprises by a government agency, whether local, regional, or federal. Public infrastructure and services like roads and schools, as well as programs like Social Security and Medicare, are all funded with tax dollars.
Why do people pay taxes?Taxation is an essential part of the social contract that binds individuals and the economy, in addition to financing public goods and services. The manner in which taxes are gathered and spent can define a government's very legitimacy.
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Which one of the following is NOT a Quality of Life issue used to help make global location decisions
a. Culture
b. All of the Above
c. Economy
d. Education
Economy is NOT a Quality of Life issue used to help make global location decisions.
The correct option is (c).
An economy is a device of inter-associated manufacturing and intake sports that in the end decide the allocation of assets within a group. The manufacturing and consumption of goods and services as an entire fulfill the wishes of those dwelling and operating within it.
An economy is an area of the production, distribution and change, as well as consumption of products and offerings.
In standard, it's miles described as a social area that emphasize the practices, discourses, and fabric expressions related to the manufacturing, use, and control of scarce assets'.
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recently, the owner of martha's wares encountered severe legal problems and is trying to sell her business. the company built a building at a cost of $1,140,000 that is currently appraised at $1,340,000. the equipment originally cost $620,000 and is currently valued at $367,000. the inventory is valued on the balance sheet at $310,000 but has a market value of only one-half of that amount. the owner expects to collect 98 percent of the $175,200 in accounts receivable. the firm has $11,700 in cash and owes a total of $1,340,000. the legal problems are personal and unrelated to the actual business. what is the market value of this firm?
The company has a liability of $1,340,000, so the market value of the firm is $1,940,386 in assets minus $1,340,000 in liabilities.
Market value is the price that a asset would fetch in the market. It is the price that a buyer is willing to pay for the asset, taking into account various factors such as supply and demand, competition, and the asset's intrinsic value. Market value is often used to determine the worth of stocks, real estate, and other assets that can be bought and sold.
Market value of assets = $1,340,000 (building) + $367,000 (equipment) + $155,000 (inventory) + $171,686 (accounts receivable) + $11,700 (cash) = $1,940,386
Market value of the firm = $1,940,386 (assets) - $1,340,000 (liabilities) = $600,386
This is the market value of the company, but it's worth noting that the legal problems of the owner may affect the sale price of the business.
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according to the full aggregate expenditures model, if investment is $5 trillion, government spending is $2 trillion, exports are $1 trillion, savings is $4 trillion, and taxes are $2 trillion, what are imports?
The Imports of the given expenditures model are $2 trillion.
How do you find imports in economics?Imports are the products and services that citizens of a nation choose to purchase over goods and services made in that nation.GDP = C + I + G + X – M
C = Consumer expenditure.I = Investment expenditure.G = Government expenditure.X = Total exports.M = Total imports.The nominal export/import value of items published in the Trade Statistics of Japan is divided by the BOJ's Export/Import Price Index to determine the real export/import figures. Exports and imports reflect changes in the real value of exports and imports and are modified to account for the impact of price changes.An import is an item or service that is purchased outside of its nation of origin. International trade is made up of imports and exports.Given data :
AE represents the amount of spending that occurs in an economy.
AE = C + I + G + NX + M
14 = 4 + 5 + 2 + 1 + M
M = 14 - 12 = 2
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the state of texas has one of the highest sales tax rates in the nation at 6.25 percent. this – tax can have another – added to it to help fund county and local governments.
Answer: The maximum combined state and local sales tax rate in texas is 8.25 percent.
Tax
Taxes are obligatory payments made to the government from a variety of sources of income. These are placed in the state exchequer for the government's capital and revenue expenditures.
Explanation:
The state sales tax in Texas is 6.25%. Although it is a fixed rate for the entire state, it can increase to a maximum of 8.25% by including municipal sales taxes. Texas relies on its sales tax because there is no state income tax, and as a result, the state's sales tax rate is greater than 76.9% of other states, making it one of the highest in the nation.
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ronald, a marketing manager at tesron automobiles, is discussing an automobile concept with the design team, and the discussion quickly turns argumentative. ronald, aware of his tendency to get angry very quickly, stops the argument by changing the subject to another topic. this scenario illustrates that ronald has a high degree of
The scenario illustrates that ronald has a high degree of emotional intelligence.
What does Emotional Intelligence mean?
The ability to understand, use, and manage one's own emotions as well as the emotions of others is referred to as emotional intelligence (EI). It entails positively and constructively recognizing, interpreting, and responding to emotions. It is also the capability of making decisions and acting in accordance with one's own values and goals. EI has been identified as an important factor in job performance, relationships, and overall well-being. It is now recognized as a useful predictor of success in a variety of areas of life, including work, relationships, and overall well-being.
What does Values means?
Values are behavioral standards or principles that guide an individual's or group's behavior. Values influence how people perceive and interact with the world, and they can serve as a personal compass in making decisions. Beliefs about what is right or wrong, what is important, and what is desirable are examples of values. They are deeply ingrained in a person's personality and help to define who they are.
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Thus the complete question with the option is presented here:
Ronald, a marketing manager at Tesron Automobiles, is discussing an automobile concept with the design team, and the discussion quickly turns argumentative. Ronald, aware of his tendency to get angry very quickly, diffuses the argament by diverting the group's attention to another topic. This scenario illustrates that Ronald has a high degree of
A technical skills
B. critical thinking
C. marketing skills
D. emotional intelligence
E. cognitive intelligence
which policy response sets an allowable emissions standard and then creates a market for pollution allowances?
The policy that response sets an allowable emissions standard cap-and-trade lessen outflows, In a cap-and-exchange framework, the public authority sets an outflows cap and issues several emanation stipends steady with that cap.
It is a market instrument in which an administration puts a "cap" or cutoff on the aggregate sum of ozone-harming substances that can be discharged. Under such a plan, ozone-depleting substance producers are committed to paying for every significant amount of carbon dioxide or carbon dioxide equivalent1 they transmit.
For example, those from power plants, by putting down a boundary on contamination and making a market. The best environment strategy — ecologically and monetarily — limits outflows and puts a cost on them. cap-and-trade are methods for doing both.
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grott and perrin, incorporated, has expected earnings of $3 per share for next year. the firm's roe is 20%, and its earnings retention ratio is 70%. if the firm's market capitalization rate is 15%, what is the present value of its growth opportunities? group of answer choices
Expected performance means the base salary on the day of hire plus an annual target annual incentive bonus.
Base compensation means net income (loss) calculated in accordance with generally accepted accounting principles, excluding (i) non-cash capital compensation expense, (ii) incentive compensation, (iii) acquisition fees, (iv) financing fees, (v) depreciation. , (vi) ) any unrealized gain, or loss or other non-cash items included in net income for the applicable reporting period, whether or not included in other comprehensive income or loss or in net income, and (vii) non-recurring events resulting from changes in GAAP and certain non-cash charges, as determined in each case by management and which are independent after discussions among the directors and approved by a majority of the independent directors.
E1=$3 ROE=20% b=70% k=15% PV(GO)=
Value w/ no Growth: 3/.15=$20
g= ROE*b=14%
Value w. Growth: (E1*(1-b))/(k-g)= $90
PV(GO)= 90-20=$70
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one of the major benefits gained by a firm entering the international market is the ability to achieve a competitive advantage through location.
The potential to establish a competitive edge through location is one of the main advantages a company will experience once it enters the global market. Hence, the given statement is true.
What is the meaning of the global market?
The practise of promoting a company's goods, name, or services to a global audience is known as global marketing. Planning, advertising, and concentrating a product or service on the requirements of potential customers in other nations are all parts of the process.
Fast food, apparel, autos, banking, and enterprises that manufacture quickly consumable commodities are all excellent examples of worldwide marketing.
Therefore, the given statement is true.
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The complete question has been attached in text form:
One of the major benefits gained by a firm entering the international market is the ability to achieve a competitive advantage through location.
True
False
"The fewer the number of substitutes for a product, the more elastic the demand for that product." Is the previous
statement true or false?
The demand for any product is possibly to be elastic if a substitute is to be had within side the market.
The required details for elasticity of demand in given paragraph
A good's fee elasticity of demand is a degree of ways touchy the amount demanded is to its fee. When the fee rises, amount demanded falls for nearly any good, however it falls extra for a few than for others. The fee elasticity offers the proportion alternate in amount demanded while there's a one percentage boom in fee, preserving the whole thing else constant. If the pliability is −2, which means a one percentage fee upward thrust ends in a percentage decline in amount demanded. Other elasticities degree how the amount demanded modifications with different variables. Price elasticities are terrible besides in unique cases. If an excellent is stated to have an elasticity of 2, it nearly constantly manner that the best has an elasticity of −2 in line with the formal definition.
Demand for an excellent is stated to be inelastic while the pliability is much less than one in absolute value: that is, modifications in fee have a quite small impact on the amount demanded.
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Question 7 of 10
When should a writer establish common ground before the bottom-line
statement?
A. When the reader may disagree with the bottom-line statement
B. When the document is minutes of a meeting
C. When the report does not have an executive summary
OD. When the details are arranged in order of importance
the process by which investment in a nation's manufacturing capacity decreases, often devastating economies of many communities, is known as
The process by which investment in a nation's manufacturing capacity decreases, often devastating economies of many communities, is known as Globalization.
Globalization is the process by which businesses or other organizations develop international influence or start operating on an international scale.
The growing interdependence of the world's economies, culture and population brought about by cross-border trade in goods and services, technology and flows of investment, people and information.
In Globalization decrease the cost of manufacturing. This means that companies can offer goods at a lower price to consumers.
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the fixed asset turnover ratio is used to evaluate: multiple choice how well management uses long-lived tangible assets to generate revenues. whether there are enough fixed assets to pay its current liabilities. the frequency in which fixed assets are sold. the proportion of fixed assets relative to total assets.
The fixed asset turnover ratio is used to evaluate: how well management uses long-lived tangible assets to generate revenues.
What do you mean fixed assets?A fixed asset is a long-term, tangible piece of property or equipment that a business owns and uses in its operations to generate revenue. Fixed assets typically last for at least a year before being depleted, used, or converted to cash. Examples of fixed assets include land, machinery, vehicles, furniture, computer equipment, buildings, and other equipment. Fixed assets might differ depending on how an organisation runs its operations.
What is not fixed assets?Long-term tangible assets such as land, buildings, machinery, etc. make up fixed assets. Current assets are short-term investments that can be quickly converted into cash. Inventory, debtors, bills receivable, cash on hand, bank balance, and other items are examples of current assets. Businesses can monitor machinery and vehicles, assess their condition, keep them in acceptable operating order, reduce lost inventory, equipment breakdowns, and downtime, and raise the asset's lifetime value through fixed asset management.
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which group or agency does not engage in the actual planning or organization of meetings, conventions, and other events?
CVB group or agency does not engage in the actual planning or organization of meetings, conventions, and other events.
What is CVB?
Major city convention and visitors bureaus (CVBs) are in charge of organising events. Selling a destination to meeting organisers and incentive companies is the responsibility of a sales manager at a destination management company.
Ethics are built on our values and serve as the benchmark for what is good and wrong. Making a moral decision is a requirement of ethics, and it's not always simple. It takes courage to act ethically, and it must be practiced.
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the balance in retained earnings equals all net income, less all dividends, since the company began operations.T/F
True, The balance in retained earnings equals all net income, less all dividends, since the company began operations.
What is net income?
The amount earned by an individual or business after costs, allowances, and taxes is referred to as net income. Net income in company is the amount that remains after all costs, such as salaries and wages, the cost of goods or raw materials, and taxes, have been paid. Net income is the amount that a person keeps after paying taxes, health insurance premiums, and retirement contributions. For financial health to be evident, net income should ideally exceed expenses. Take the gross income, which is the whole amount of money earned, and deduct costs like taxes and interest payments to get at net income.
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of the customers that leave companies each year, which percentage leave because of bad customer service?
84% of clients file that their expectations had no longer been exceeded in their closing interaction with consumer service.
(Harvard Business Review) 78% of customers have given up on a transaction due to the fact of a negative consumer experience.
What is the end result of horrific purchaser service?Whether you select to trust it or not, bad customer service can have a serious have an impact on on the general health of your business. In the quick term, it can have an effect on sales, and in the lengthy term, it can affect your enterprise in a myriad of ways. For example, it can damage your brand, your reputation, and more.
Why is customer service so horrific now?That's according to a new file called the American Customer Satisfaction Index. And it is fallen dramatically during the course of the pandemic. I call it trickle-down aggravation. Business owners are aggravated due to the fact of supply chain shortages, labor shortages, and skyrocketing costs.
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This statement is false. The principal owes the agent a responsibility of cooperation. Therefore, the principle is required to support the agent in carrying out his or her responsibilities.
What duties does a principal owe to its agent?The fourth obligation of the principal to the agent is to carry out the terms of the agreement. This means that in order to work with the agent, the principal must comply with all of the requirements of the agency agreement. Both the written terms and implicit terms must be agreed to by the principal.The fiduciary duty and a set of general obligations mandated by agency law are the two categories of obligations the agent owes to the principal. However, these fundamental obligations owed by every employee to their employer are not specific to agency law.The agency agreement may specify the conditions of an agency. In general, a principal owes the agent the following obligations: Duty to Pay Damages, Duty to Pay Back, and Duty to Defend the Agent.To learn more about principal refer :
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what is an accurate description of video news releases? multiple choice they consist of three types: exhibits, bulletins, and press kits. they are sold by organizations at expensive rates. they are news or feature stories prepared by a company. they are also known as feature articles. they are purchased by companies at low prices.
An accurate description of video news releases is description of video news releases.
What is a video news release?
A video news release (VNR) is a section of a video that imitates a news broadcast but is really produced by a corporate, governmental body, advertising or marketing agency, non-profit, or public relations firm. Television newsrooms are given access to them in order to influence public opinion, advertise commercial goods and services, publicise certain people, or advance other objectives. Incorporate VNRs into news stories if they offer information that is relevant to the topic or will be of interest to viewers. News producers are free to run VNRs in full or in part.
VNRs have drawn criticism for being misleading or being used as propaganda, especially when viewers are not made aware of this fact. Companies that create VNRs disagree and argue that their use is similar to that of a press release in video format. They also highlight the fact that editorial judgement regarding the value, in whole or in part, of a VNR's content is still in the hands of journalists, programme producers, and other professionals. The Federal Communications Commission of the United States is presently looking at the use of VNRs.
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what is an accurate description of video news releases? multiple choice they consist of three types: exhibits, bulletins, and press kits. they are sold by organizations at expensive rates. they are news or feature stories prepared by a company. they are also known as feature articles. they are purchased by companies at low prices.
a result of the tariff is that, relative to the free-trade situation, the quantity of saddles imported decreases by
A result of the tariff is that, relative to the free-trade situation, the quantity of saddles imported decreases by Q4-Q3 + Q2-Q1.
How do tariffs actually work?A tariff is a tax that a government levies on products and services that are imported from other nations in an effort to raise the price of imports and reduce their appeal, or at the very least, their competitiveness, in comparison to products and services produced domestically.
Tariffs are used because...Limits are placed on imports by tariffs. Simply expressed, they raise the cost of products and services purchased from another nation, decreasing their appeal to domestic customers.
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what is the net profit to tree row bank if the price of the futures contracts decreases to 94-29 (32nds)
a. Treasury bond prices will drop if interest rates rise throughout the investment period. Tree Row should therefore adopt a short stance in the futures contracts on the Treasury bonds. T-bond futures prices will decrease along with T-bond prices.
b. Net profit = $ 250
c. Net profit = -$ 531.25
What is investment?⇒ Investments are sums of money used to purchase assets with the expectation that their value will increase over time. A present resource, such time, money, or effort, must be lost in order to invest. The goal of investing in the financial realm is to make money from the asset that is being used. An unrealized capital gain (or loss), investment income like dividends, interest, or rental income, a mix of capital gain and income, as well as a gain (profit) or loss realized through the sale of a house or investment, may all be included in the return. Due to fluctuating exchange rates, the return may also include foreign exchange gains or losses.
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if the value of a commodity decreases at a monthly rate of 3.5%, by what percentage does it decrease in a year?
Percentage does it decrease in a year is 42%.
What is Percentage ?
%, which is a relative figure used to denote hundredths of any amount. Since one percent (symbolised as 1%) is equal to one tenth of anything, 100 percent stands for everything, while 200 percent refers to double the amount specified. percentage.
1 year = 12 months
1 month = 3.5%
3.5 * 12 = 42%
if the value of a commodity decreases at a monthly rate of 3.5%, by 42% does it decrease in a year.
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sasha wants to generate a balance sheet to see accounts receivable. which quickbooks report basis would be most useful?
Answer: All businesses should produce their financial statements using the accrual method of accounting.
Explanation: How can I make a balance sheet in QuickBooks to view my accounts receivable?
Choose Reports (Take me there) from Business overview, or go directly to Reports (Take me there). Find and access the Balance Sheet report using the search box. Choose Customize. Select the proper Report period.
What does QuickBooks' accounts receivable look like?
Go to the Customer menu and then choose Customer List in QuickBooks Desktop Point of Sale. Select the client, then pick Edit.
Which report in QuickBooks displays accounts receivable?
Summary of accounts receivable aging
To show the total amount owed and how far past due they are, run an A/R Aging summary report. Visit a business
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Sasha wants to generate a balance sheet to see accounts receivable, QuickBooks report basis that would be most useful is : 'current assets' section on the balance sheet.
What is a balance sheet ?In financial accounting, balance sheet is a summary of financial balances of an organization, whether it is a sole proprietorship, business partnership, corporation, private limited company or any other organization such as government or not-for-profit entity.
Accounts receivable are classified as an asset as they provide value to your company. Account receivable is recorded as debit in the assets section of a balance sheet. QuickBooks organizes the accounting data so that you easily run up-to-date balance sheet reports whenever you need them.
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how much profit will the concert promoters earn if they set the price of each ticket at $150? a. $100,000 b. $175,000 c. $75,000 d. $150,000
The profit will the concert promoters earn if they set the price of each ticket at $150 will be $75,000. The correct option is (C), $75,000.
The profit is an income distributed to the owner in a profitable market production process. Profit is a measure of profitability which is the owner's major interest in the income formation process of market production.
The profit will the concert promoters will be around 10%. To calculate the profit, the total revenue is equal to price of each ticket plus number of tickets sold.
The total profit of the promoters can be calculated as the difference between the total revenue and the total cost.
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