All the housing costs which include (mortgage, interest, insurance, and property taxes) should be below 28 percent of pre-tax income to avoid financial stress.
What is the 28% rule?
The 28 percent rule states that your house payment, including property taxes and insurance, should not exceed that percentage of your monthly gross income.
This is also known as a decent general guideline for mortgage payments or a safe mortgage-to-income ratio.
Therefore, Option B. 28% is the correct answer.
To learn more about the 28% rule, refer to the link:
https://brainly.com/question/26173267
Employees will perceive that their opinions are more valued if Multiple Choice they're given personalized, closed-end question-type employee opinion surveys. they're provided settings where employees have the opportunity to converse with all levels of management. they're given emails from the CEO on a regular basis. the company emphasizes job simplification.
Answer:
they're provided settings where employees have the opportunity to converse with all levels of management.
Explanation:
In the case when the employees would perceive as per their opinion and their opinion are most valued so that means it gives the setting at the time when the employees have the opportunity for conversing the management levels
so as per the given options, the second one option is correct
And, all other options are wrong
4. Consumption as a component of GDP refers to the expenditure of A. banks. B. household. C. producers. D. government.
PLEASE TELL A
B
C
D
The management of a diverse group of customers with different needs within the same service setting is called:
Answer:
expert customer
Explanation:
Answer:
that would be an expert customer
____ is a customer's subjective assessment of benefits relative to costs in determining the worth of a product.
Answer:
Value
Explanation:
A product can be defined as any physical object or material that typically satisfy and meets the demands, needs or wants of customers. Some examples of a product are mobile phones, television, microphone, microwave oven, bread, pencil, freezer, beverages, soft drinks etc.
According to the economist Philip Kotler in his book titled "Marketing management" he stated that, there are five (5) levels of a product. This includes;
1. Core benefit.
2. Generic product.
3. Expected product.
4. Augmented product.
5. Potential product.
The core benefit of a product can be defined as the basic (fundamental) wants or needs that is being satisfied, met and taken care of when a customer purchase a product.
In Economics, value is a subjective assessment of benefits by a customer with respect to costs in determining the worth of a product.
For example, a hotel provides a comfortable and convenient bed to spend the night (sleep) when you travel for a vacation at a price.
A low-cost leader can translate its low-cost advantage over its rivals into superior profit performance by
Answer:
either using its low-cost edge to underprice competitors and attract price sensitive buyers in large enough numbers to increase total profits or refraining from price-cutting and using the low-cost advantage to earn a bigger profit margin on each unit sold.
Explanation:
Competitive advantage is the edge that a firm has over others in the same industry that results in higher profit margins for them.
One of the importance competitive advantages is price advantage.
This results from the firm being a low cost leader. Their cost of production is low enough for them to attract customers that are price sensitive leading to increased profits.
Also they can underprice their competitors or earn profit margins on the reduced cost of production per unit
Answer:
The low-cost leader can try to underprice the rest of the competition in order to attract more customers. Lower prices should increase total sales volume which will help to increase profits by offsetting fixed costs and increasing the total contribution margin. This strategy can be used as long as the firm is able to produce under economies of scale.
Explanation:
To determine the financial condition of an existing business, it is necessary to compare ______ with ______ to identify where costs can be reduced or more money is needed.
Answer:
operating ratios; industry averages
Explanation:
The model of decision making that explains how managers should make decisions, assuming managers will make logical decisions that will be the optimum in furthering the organization's best interests, is known as the ________. For example, a manager who uses this model may be personally opposed to outsourcing jobs overseas, but she nonetheless decides to outsource customer-service operations to India because doing so is in the company's best interests. Group of answer choices rational decision-making model solutions agenda focused decision-making model interpersonal-decision agenda employee relations model
Answer:
rational decision-making model
Explanation:
The rational decision-making model is a logical way of making decisions. These types of decisions are based on objectivity and not subjectivity. This means that a person makes decisions that are not based on emotions or personal opinions rather they are dependent on facts and realities.
Managers who use this model make decisions that minimize costs and maximize benefits. Therefore, their main aim in adopting this model is to make decisions that will be of utmost benefit to the organization.
Which will you likely have to provide on college applications?
A. Personal information
B. Career plans
C. Employment history
D. Parent's level of education
Si hacemos una compra en cuenta corriente ¿ obtenemos un "descuento" en el precio de un objeto o un recargo en el mismo ?
Answer:
Un recargo, pequeño, en el mismo.
Explanation:
Una cuenta corriente es una cuenta bancaria destinada a depósitos y retiros corrientes, y la utilización de cheques a tales fines. Dado que el uso de cheques como medio de pago ha disminuido a niveles muy bajos, la emisión de cheques ha disminuido y, en ocasiones, se ha abolido por completo. Sin embargo, la cuenta corriente a nombre sobrevive en algunos casos en el habla cotidiana.
El propósito de una cuenta de transacciones es usarse para una gran cantidad de depósitos y retiros. Los términos y condiciones de la cuenta normalmente incluyen el derecho a realizar un número ilimitado de transacciones con los fondos de la cuenta sin ningún tipo de bloqueo u otras medidas de limitación de liquidez. Por otro lado, el banco normalmente ofrece tasas de interés muy bajas o nulas sobre los fondos en circulación.
Hoy en día, la cuenta de transacciones a menudo está vinculada a varias formas de soluciones de banca por Internet para permitir pagos y otras transacciones a través de la computadora del cliente del banco. El banco también suele proporcionar tarjetas de cajero automático o tarjetas de débito a particulares con cuentas de transacciones.
At the beginning of the year (January 1), Buffalo Drilling has $11,000 of common stock outstanding and retained earnings of $6,900. During the year, Buffalo reports net income of $7,200 and pays dividends of $1,900. In addition, Buffalo issues additional common stock for $6,700. Required: Prepare the statement of stockholders' equity at the end of the year (December 31)..
Answer:
Statement of stockholders' equity at the end of the year December 31
Common Stock Retained Earnings Total
At Beginning of the year :
Balances $11,000 $6,900 $17,900
During the Year :
Net Income - $7,200 $7,200
Dividend - ($1,900) ($1,900)
Issue of Common Stock $6,700 - $6,700
At End of the Year :
Balances $17,700 $12,200 $29,900
Explanation:
Stockholders' equity represents all items that are attributable to the owners of the company.
The statement of stockholders' equity at the end of the year December 31 has been prepared above according to IAS 1.
The most long-lasting strategic alliances Multiple Choice (1) involve collaboration with suppliers or distribution allies, or (2) conclude that continued collaboration is in their mutual interest, perhaps because new opportunities for learning are emerging. aim at insulating the partners against the impacts of the five competitive forces and industry driving forces. are those whose purpose is helping a company master a new technology. are those formed to enable the partners to be consistent first movers or fast followers. aim at teaming up with world-class suppliers or else companies with world-class know-how in product innovation.
Answer:
(1) involve collaboration with suppliers or distribution allies, or (2) conclude that continued collaboration is in their mutual interest, perhaps because new opportunities for learning are emerging.
Explanation:
The strategic alliances that are long lasting should include the collaboration made with the suppliers also it is concluded that if there is continued collaboration so it is a mutual interest so new opportunities that are learned should be emerged
Therefore the first two options should be considered
According to the resource-based view, a firm that has resources that are valuable and rare but not costly to imitate will at best be able to achieve __________ in relation to its industry peers. Group of answer choices competitive advantage temporary competitive advantage competitive parity competitive disadvantage sustained competitive advantage
Answer:
temporary competitive advantage
Explanation:
The RBV or the resource-based view is defined as the managerial framework that is used for determining the strategic resources for which a firm can exploit in order to achieve a sustainable competitive advantage.
The resource based view model is in contrast with the with the perfect competition model of the industry competition.
According to this model, the firm that have valuable and rare resources but these resources which are not difficult to imitate is most likely to achieve a temporary competitive advantage with its peer industries in the market.
Shared development of innovations among several departments is emphasized by the _____ approach to innovation
Answer:
horizontal linkage
Explanation:
In a value chain horizontal linkages involve cooperation among different departments aimed at building interdependence, trust, and resource pooling in order to achieve a set goal.
It is made up of relationships between people or department that are equal in an organisation.
Shared development innovations are more easily implemented by using the horizontal linkage model. Participants are more willing to express themselves freely and work collaboratively to achieve set goals.
Broker A is involved in an exclusive right to sell listing with his seller client, Seller S. After receiving the property condition disclosure form from Seller S, Mark hosts an open house to promote his new listing. At the open house a customer expresses concerns about radon levels in the area. Seller S did not indicate a radon problem on the property disclosure. What is Broker A's best course of action in this situation
Answer:
In such a scenario, it is recommended that Broker A should acknowledge the concerns of the customer because this is a material concern. They should then remind the customer that there exists a Property Disclosure Form which is made by the Seller that the customer is allowed to view to see if there is anything wrong with the house.
You as the broker, are acting on behalf of the seller so should not disclose any information than what is on the Property Disclosure Form.
If however, you know of a radon problem in the property in your personal capacity, the law requires that in the interest of safety, you reveal this to the customer if the seller did not disclose this in the form.
According to the assumptions of the quantity theory of money, if the money supply increases 5 percent, then a. the price level would be unchanged and real GDP would rise by 5 percent. b. the price level would rise by 5 percent and real GDP would be unchanged. c. both the price level and real GDP would rise by 5 percent. d. both the price level and real GDP would be unchanged.
Answer:
C
Explanation:
Quantity theory of money : money supply x velocity = price x output
money supply x velocity = nominal GDP
It is assumed that velocity is constant. So, if money supply increases, both the price level and real GDP would rise by 5 percent
While some property owners choose to perform both the property and asset manager functions themselves, many commercial property owners choose to employ professional property managers instead. The property manager works under a management contract in which the manager is empowered to serve as the owner's fiduciary. This type of relationship is more commonly referred to as a(n)
Answer:
agency relationship.
Explanation:
An agency can be defined as a mutual relationship existing between two parties, wherein a principal authorizes the agent to act as the principal's representative or on his behalf (fiduciary role) in dealing with third parties.
Hence, the type of relationship in this scenario is more commonly referred to as an agency relationship.
In an agency relationship, a commercial property owner may choose to employ a professional property manager who is saddled with the responsibility of serving as his or her (owner) fiduciary under a management contract.
Skipper’s Pet Products was started by Steve to sell a range of dog food and treats made from fish. Due to fish being a very perishable product, different methods are used to preserve the life and quality of the product. Arguably, the best method, albeit the most labour intensive and time-consuming, is to dry the fish over several days. This process maintains the nutritional content of the fish, which is often lost using other methods, and it is this that enables Skipper’s to offer a product with a clear USP.
The company is based in Steve’s hometown of Grimsby and he is proud of the local fishing heritage. The fish used in Skipper’s products is sourced from the docks in Grimsby or nearby Hull. Steve says the location of the business means that raw materials and qualified labour are easy to source.
Skipper’s Pet Products have lots of competition, but the competitors buy low quality fish
in China and cook the treats at high temperatures which removes some nutrients so they
are not high quality, healthy dog treats like Skipper’s treats.
The company website allows Skipper’s to sell their dog treats to customers all over the UK. The website sales are increasing each month and generate a larger profit margin than Skipper’s sales to pet shops.
question: Evaluate whether locating Skipper’s close to raw materials was the most important
factor Steve should have considered when choosing a location for his business.
You should use your knowledge of the business as well as the information provided
Answer: Yes it was
Explanation:
When considering where you should set up location, it is best to look at the cost of locating your business from various perspectives such as raw material acquisition, transport to suppliers, transport to customers and accessibility.
Depending on the business, some factors would have to be given more weight. In the above scenario, raw material acquisition and transport from suppliers should be given a higher weight because the goods are perishable and so costs would be high if the location is too far from the source of the fish.
Given that technology has made it easier to sell from many places, transport to customers is not as major a factor as transport to suppliers. The most important factor to focus on for this business therefore is raw material acquisition and by locating the company so close to the source, the cost to acquire the raw material from suppliers was heavily reduced so this was the best option.
How long must one wait (to the nearest year) for an initial investment of $1,000 to triple in value if the investment earns 8% compounded annually
Answer:
t = 14 years
Explanation:
The computation of the time period is shown below:
As we know that
Future value = Present value ×(1 + rate of interest)^time period
$3,000 = $1,000 × (1 + 0.08)^time period
3 = 1.08^time period
Now multiply log to both sides
So,
lof(3) ÷ log(1.08) = t
t = 14 years
he boss stops providing free coffee to the workers when the monthly sales goal is not met. This is an example of:
Answer:
Negative incentive
Explanation:
Since in the given situation, the boss does not give the free coffee to the workers at the time when the monthly sales goals are not attained as the boss expect from the workers that they could attain the monthly sales goals and for this they give the salary to them
So this represent the negative incentive example
Mrs. Young is currently enrolled in Original Medicare (Parts A and B), but she has been working with Agent Neil Adams in the selection of a Medicare Advantage (MA) plan. It is mid-September, and Mrs. Young is going on vacation. Agent Adams is considering suggesting that he and Mrs. Young complete the application together before she leaves. He will then submit the paper application before the start of the annual enrollment period (AEP). What would you say If you were advising Agent Adams
Answer:
Not good.
Explanation:
Mrs. Young is leaving on vacation in mid-September. Before Mrs. Young departs, Agent Adams is contemplating recommending that he and Mrs. Young finish the registration together.
This is a terrible plan. Prior to the beginning of the AEP, agents are typically barred from soliciting or receiving registration forms.
Family Farms Inc., a company which deals in dairy products, adheres to a standard of behavior for its employees, and it follows certain practices that reflect the moral principles and values held by the company and that guide the conduct of the individuals in the company. Which practice is described in this scenario
Answer:
The right response is "Business ethics".
Explanation:
An ethics framework that always considers the moral standards as well as problems that occur mostly in a corporation but also function as a guide for the behavior of people throughout the organization.Meanwhile, corporation governments facilitate the collection of values and conventions governing as well as controlling the business of the company.Investment interest expense includes:
A. interest expense from loans to purchase corporate bonds and interest expense from loans to purchase stocks.
B. interest expense from loans to purchase corporate bonds.
C. interest expense from loans to purchase municipal bonds.
D. interest expense from loans to purchase municipal bonds and interest expense from loans to purchase corporate bonds.
E. interest expense from loans to purchase stocks.
Answer:
A)) interest expense from loans to purchase corporate bonds and interest expense from loans to purchase stocks.
Explanation:
An investment interest expense can be regarded as any amount of interest which is been paid on proceeds of loan that is been used in purchasing investments or securities. investment interest expense can be regarded as been deductible under some particular circumstances.
It should be noted that investment interest expense include;
✓interest expense from loans to purchase corporate bonds
✓ interest expense from loans to purchase stocks.
Suppose the money market, drawn with the value of money on the vertical axis, is in equilibrium. If the money supply increases, then at the old value of money there is an a. excess demand for money that will result in a decrease in spending. b. excess demand for money that will result in an increase in spending. c. excess supply of money that will result in a decrease in spending. d. excess supply of money that will result in an increase in spending.
Answer: excess supply of money that will result in an increase in spending
Explanation:
The money market refers to the total amount of money that's in circulation in an economy at a particular time.
If the money supply increases, this implies that there'll be more money available for the people in the economy to spend. This ultimately leads to the increase in the demand for goods and services in an economy.
Therefore, the correct option will be "excess supply of money that will result in an increase in spending".
A lease agreement contains a clause that gives the tenant the right to purchase the property at a specified price. This type of agreement is called a
Answer: Finance Lease
Explanation:
There are two main types of leases which are operating leases and finance leases. Operating leases work much like an asset being rented so no ownership is passed from the person leasing to the leasee.
When it comes to finance leases however, the person leasing treats the asset as if it is their own. They record depreciation and list it as an asset in their balance sheets. At the end of the lease term, the leasee then has the option to purchase the asset.
In an examination evaluation expert system, the _____ component of the expert system is responsible for stating why a loan applicant was approved or rejected.
Answer:
The missing phrase is Explanation Facility.
Complete Sentence:
In an examination evaluation expert system, the Explanation Facility component of the expert system is responsible for stating why a loan application was approved or rejected.
Explanation:
An expert system is a computer system program that can do the job of a human expert whose role is to give professional opinions, judgments, or advice regarding an issue. These systems are associated with Artificial Intelligence.
In other to create this kind of system (which has the capacity to solve complex problems) AI programmers use a collection of knowledge stored or codified in if-then formats or rules
In expert systems, an explanation facility is a function that allows non-artificial users to query the veracity of the system's reasoning. Usually, the system would make reference to its frame of logical construct, its rules, and or goals.
Cheers
What is the effect of inflation? A. During periods of inflation, just about everyone can make themselves better off by specializing in their own profession rather than dabbling as amateur economists and inflation forecasters and managing their investment portfolios. B. With inflation, everyone loses. C. The increased uncertainty of inflation misallocates resources. D. During periods of inflation, investment rises and economic growth increases.
Answer:
C. The increased uncertainty of inflation misallocates resources.
Explanation:
Inflation is referred as the situation of the economy in which the prices of the goods and services gets increased to an alarming rate. The amount used to purchase those products fail to meet the purchasing power. The economy is effected drastically. Inflation creates a situation in which there arises an uncertainty regarding investment and savings. There arises situations in which the shortages of food and basic amenities are experienced during inflation.
On March 12, Klein Company, Inc. sold merchandise in the amount of $7,800 to Babson Company, with credit terms of 2/10, n/30. The cost of the items sold is $4,500. Klein uses the perpetual inventory system. On March 15, Babson returns some of the merchandise. The selling price of the returned merchandise is $600 and the cost of the merchandise returned is $350. The entry or entries that Klein must make on March 15 is:
Answer:
Date Account Title Debit Credit
March 15, Sales returns and allowances $600
Accounts Receivable $600
Merchandise Inventory $350
Cost of Goods Sold $350
Suppose the government decides that every family should own its own home. To bring this about, the government decides to subsidize the home-construction industry by giving the home-construction companies $10,000 for every house that they build. As a result of this,
Answer: the supply curve of new houses would shift rightward, since builders would be willing to produce and sell more houses at each given price.
Explanation:
Since the government decides to subsidize the home-construction industry by giving the home-construction companies $10,000 for every house that they build, then the supply curve of new houses would shift rightward, since builders would be willing to produce and sell more houses at each given price.
Builders will be willing to produce more houses because they'll intend to get the $10000 given by the government and this will be a source of motivation. Therefore, the supply curve will shift to the right.
Maben Company was started on January 1, Year 1, and experienced the following events during its first year of operation: Acquired $30,000 cash from the issue of common stock. Borrowed $40,000 cash from National Bank. Earned cash revenues of $48,000 for performing services. Paid cash expenses of $25,000. Paid a $1,000 cash dividend to the stockholders. Acquired an additional $20,000 cash from the issue of common stock. Paid $10,000 cash to reduce the principal balance of the bank note. Paid $53,000 cash to purchase land. Determined that the market value of the land is $75,000.
Answer:
The accounting equation holds as follows:
Assets = Liabilities + Shareholders' Equity = $102,000
Explanation:
Note: This question not complete as the requirement is omitted. The requirement is therefore provided to complete the question before answering the question as follows:
Required:
Record the preceding transactions in the horizontal statements model. Also, in the Cash Flows column, classify the cash flows as operating activities (OA), investing activities (IA), or financing activities (FA).
The explanation of the answer is now provided as follows:
Note: See the attached excel file for the the horizontal statements in which the transactions are recorded.
From the attached excel file, we have:
Assets = Cash + Land = $49,000 + $53,000 = $102,000
Liabilities = Notes Payable = $30,000
Shareholders' Equity = Common Stock + Retained Earnings = $50,000 + $22,000 = $72,000
Liabilities + Shareholders' Equity = $30,000 + $72,000 = $102,000
Therefore, the accounting equation holds as follows:
Assets = Liabilities + Shareholders' Equity = $102,000
Also note that no figure is recorded for "Determined that the market value of the land is $75,000" because it does affect the horizontal statement since an asset must be recorded at the historical cost.
Wardsworth, Inc., manufactures and sells two products: Product I9 and Product Z9. Data concerning the expected production of each product and the expected total direct labor-hours (DLHs) required to produce that output appear below: Expected Production Direct Labor-Hours Per Unit Total Direct Labor-Hours Product I9 700 6.0 4,200 Product Z9 900 8.0 7,200 Total direct labor-hours 11,400 The direct labor rate is $26.00 per DLH. The direct materials cost per unit for each product is given below: Direct Materials Cost per Unit Product I9 $ 226.10 Product Z9 $ 151.20 The company is considering adopting an activity-based costing system with the following activity cost pools, activity measures, and expected activity: Activity Cost Pools Activity Measures Estimated Overhead Cost Expected Activity Product I9 Product Z9 Total Labor-related DLHs $ 463,980 4,200 7,200 11,400 Machine setups setups 9,814 300 400 700 Order size MHs 105,792 4,400 4,300 8,700 $ 579,586 The unit product cost of Product I9 under the company's traditional costing method in which all overhead is allocated on the basis of direct labor-hours is closest to: (Round your intermediate calculations to 2 decimal places.) rev: 03_25_2018_QC_CS-119201 Multiple Choice $466.22 per unit $626.30 per unit $687.14 per unit $455.06 per unit
Answer:
Predetermined overhead rate = Estimated overhead / Estimated direct labor hour
Predetermined overhead rate = $579,586 / 11400
Predetermined overhead rate = $50.84 per direct labor hour
Unit Product cost - Z9
Particulars Per unit cost
Direct material $151.20
Direct labor (8*$26) $208.00
Overhead (8*$50.84) $406.72
Unit Product Cost $765.92
