Answer:
Banking Financial Ratios
Among the key financial ratios, investors and market analysts specifically use to evaluate companies in the retail banking industry are net interest margin, the loan-to-assets ratio, and the return-on-assets (ROA) ratio.
Explanation:
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A thief stole Art's checkbook and forged Art's name as drawer of a check. The drawee paid the check in good faith and sent it to Art with the monthly statement on January 3, 2013. The thief forged other checks during February and March of 2013, which the drawee in good faith paid. All paid checks were sent to Art with monthly statements. On May 25, 2014, Art discovered all of the forgeries and notified the drawee. For which check(s) is Art entitled to be reimbursed
Based on the explanation given in the scenario, since, the drawee repeatedly followed protocol for every transaction performed, then Art's entitlement to reimbursement would be valid for none of the cheques.
The bank would not be held responsible for carelessness of the drawer and his failure to report vulnerabilities to his/her account. Since the thief was able to successfully forge Art's signature, then it is imperative that the drawer is paid. Transaction notification and statement were sent after each transaction and still Art made no report or compliant, hence, the bank would not be liable for any of his losses.Hence, None of the withdrawals will be reimbursed.
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Integrating 160 different nationalities into one
corporation, such as The Emirates Group, has
challenges and opportunities. What challenges
do you see? What opportunities come from this
diverse workforce?
Answer:
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The integration of different nationalities in a corporation, such as The Emirates Group, can have the advantages of increasing knowledge and innovation.
The disadvantages of this type of commercial integration can be related to cultural and adaptive differences among workers.
What are the challenges of a multicultural environment?Globalization has tightened social and economic relationships between nations, making work environments multicultural, which is positive for increasing creativity, but there are several challenges that must be managed such as:
Language barriersEthicIndividual valuesTherefore, it is essential that in a multicultural corporation, there is a focus on promoting cultural skills and ethics as guides for actions in micro and macro environments.
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Kiwi Airlines has fixed operating costs of $5.8 million, and its variable costs amount to 20 percent of sales revenue. The firm has $2 million in bonds outstanding with a coupon interest rate of 8 percent. Revenues for the firm are $8 million and the firm is in the 40 percent corporate income tax bracket. What is the firm's degree of financial leverage
Kiwi Airlines' degree of financial leverage is 1.36.
Data and Calculations:
Fixed operating costs = $5.8 million
Revenue = $8 million
Variable costs = 20% of sales = $1.6 million ($8 x 20%)
Earnings before interest and taxes = $600,000 ($8 - $5.8 - $1.6 million)
Bonds outstanding = $2 million
Coupon interest rate = 8%
Interest expense = $160,000 ($2,000,000 x 8%)
Earnings before taxes = $440,000 ($600,000 - $160,000)
Corporate income tax = 40%
Income Tax Expense = $176,000 ($440,000 x 40%)
Net Income = $264,000 ($440,000 - $176,000)
Degree of financial leverage = earnings before interest and taxes/earnings before taxes
= $600,000/$440,000
= 1.36
Thus, Kiwi Airlines' degree of financial leverage is 1.36.
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Karson is a manager in a bottle manufacturing company. He wants to check whether 100 bottles were produced and dispatched to the market. Which department should
he consult?
Answer:
Answer is Operations Department.
Explanation:
This year you earned 75,500. Last year you earned 72,400. What was the rate of change on your earnings since last year? A. 4.28% B. 4.68% C. 4.92% D. 5.12%
The Americans with Disabilities Act of 1990 (40 points and brainliest pls help but you have to be correct)
a
gives preference to applicants with disabilities over other applicants
b
offers employees with disabilities more rights in the workplace
c
prevents employment discrimination of applicants with disabilities
d
provides additional pay to employees with qualified disabilities
An organization's mission differs from strategic planning in that strategic planning is the basic purpose of the organization
while the mission involves establishing the goals and objectites of the organization.
(A True
B) False
How do you redeem a winning ticket lottery?
A) scan on pos
B) validate on terminal
C) picklist on POS
D): redemption barcode entered in the pis if no touch screen
Answer:
4 Steps to Claim PCSO Lotto Prize
Go to the PCSO Main Office. Present two valid IDs (preferably signature-bearing government-issued IDs) and the winning ticket to the Prize Claim section of the Accounting and Budget Department. Fill out the required forms. Wait for the ticket to be validated.
Explanation:
No choices here
Click on the Bloomberg
screen to examine refining
margins for US Mid-Continent
Topping refineries. What is the
overall margin trend across all
crude oil grades?
Answer:
It is mostly declining
Explanation:
..
US refining margins mostly trended slightly lower for the week ended April 23 but recovered from a midweek slump on a rosier picture for transportation fuels going forward, ending the week on an upward trajectory, and analysis from S&P Global Platts showed on April 26.
What does OPEC mean?
The Organization of the Petroleum Exporting Countries (OPEC) is a permanent, intergovernmental Organization, created at the Baghdad Conference on September 10–14, 1960, by Iran, Iraq, Kuwait, Saudi Arabia, and Venezuela.
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Identity 2 reasons why it is important for a young adult to establish credit.
Explanation:
Establishing credit is essential for young adults, as it involves supporting their financial needs in the long run.
Reason 1: Establishing credit reflects a borrower's creditworthiness.
When you apply for a credit card, acquire a vehicle through financing, and even renting an apartment or buying a home all involves the creditors looking at the timeliness of your payments. Credit cards or any type of loans are forms of debt (liabilities). Creditors are also in the business of making money. Thus, they want to make sure that they are loaning their funds to a trustworthy borrower.
The creditors try to determine whether you are only making minimum payments on your credit card, or if you're paying your debt in full by the due date. All of these factors reflect on your responsible use of finances and creditworthiness, which are the basis of your credit score as a borrower or debtor. If your're making your payments on time and are reasonably paying for your debt, then you're able to build up your credit history. Hence, the creditors will see you in a positive light the next time you apply for a loan. The higher your credit score, the lower your interest rates will be.
Reason 2: Employers run credit reports on job applicants.
Creditworthiness as a reflection of an individual's financial responsibility also has a positive bearing on how an employer views you as a prospective employee. Employers want to hire trustworthy and reliable individuals. Thus, financial responsibility is highly relevant, especially when you're applying for positions that involve handling money or finances as a part of your job.
During 2021, Stork Associates paid $55,800 for a 20-seat skybox at Veterans Stadium for eight professional football games. Regular seats to these games range from $55 to $165 each. At one game, an employee of Stork entertained 18 clients. Stork furnished food and beverages for the event (provided by a local restaurant) at a cost of $3,400. The game was preceded by a bona fide business discussion, and all expenses are adequately substantiated. How much may Stork deduct for this event
Based on the information given if all the expenses are adequately substantiated. The amount that Stork can deduct for this event is $3,350.
Stock deduction
Costs of seats $3,300
($165x20)
Food and beverage $3,400
Total Entertainment expense $6,700
($3,300+$3,400)
Less 50% Limitation
Deduction $3,350
($6,700×.50)
Inconclusion the amount that Stork can deduct for this event is $3,350.
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Identify the supporting document:
A_ Sale of merchandise
B_Payment of rent
C_Buy a car
D_Current account deposit
E_Delivery of goods
Becky Martinez owns stock in GBX Corporation. The GBX stock has a market value of $91,000 a share. If Becky receives $35,000.00 a year in dividends, what is the current yield? (Round your answer to 2 decimal places.)
Answer:
12.07%
Explanation:
Ahoy do you need your rate of return to be greater than inflation
Grady, Inc. manufactures model airplane kits and projects production at 650, 500, 450, and 600 kits for the next four quarters. Direct materials are 4 ounces of plastic per kit and the plastic costs $1 per ounce. Indirect materials are considered insignificant and are not included in the budgeting process. Beginning Raw Materials Inventory is 850 ounces, and the company desires to end each quarter with 10% of the materials needed for the next quarter’s production. Grady desires a balance of 200 ounces in Raw Materials Inventory at the end of the fourth quarter. Each kit requires 0.10 hours of direct labor at an average cost of $10 per hour. Manufacturing overhead is allocated using direct labor hours as the allocation base. Variable overhead is $0.20 per kit, and fixed overhead is $165 per quarter. Prepare Grady’s direct materials budget, direct labor budget, and manufacturing overhead budget for the year. Round the direct labor hours needed for production, budgeted overhead costs, and pre-determined overhead allocation rate to two decimal places.
Refer to the budgets prepared. Determine the cost per kit to manufacture the model airplane kits. Grady projects sales of 100, 150, 100, and 200 kits for the next four quarters. Prepare a cost of goods sold budget for the year. Grady has no kits in beginning inventory.
Grady, Inc.'s Direct Materials Budget, Direct Labor Budget, and Manufacturing Overhead Budget for the year are as follows:
Direct Materials Budget
Quarter 1 Quarter 2 Quarter 3 Quarter 4 Total
Projected production 650 500 450 600 2,200
Ounces of plastic per kit 4 4 4 4 4
Total materials required 2,600 2,000 1,800 2,400 8,800
Ending materials inventory 200 180 240 200
Raw materials available 2,800 2,180 2,040 2,600
Beginning materials inventory 850 200 180 240
Purchases of raw materials 1,950 1,980 1,860 2,360
Cost of materials purchased $1,950 $1,980 $1,860 $2,360 $8,150
Direct Labor Budget
Quarter 1 Quarter 2 Quarter 3 Quarter 4 Total
Projected production 650 500 450 600 2,200
Hours per kit 0.10 0.10 0.10 0.10 0.10
Total direct labor hours reqd. 65 50 45 60 220
Average cost per hour $10 $10 $10 $10 $10
Total direct labor cost $650 $500 $450 $600 $2,200
Manufacturing Overhead Budget:
Variable overhead $130 $100 $90 $120 $440
Fixed overhead $165 $165 $165 $165 $660
Total manufacturing o/h $295 $265 $255 $285 $1,100
Manufacturing overhead/unit $0.45 $0.53 $0.57 $0.475 $0.50
Cost per Kit:
Direct materials cost per unit = $4.00
Direct labor cost per unit $1.00
Manufacturing overhead $0.50
Cost per kit = $5.50
Cost of goods sold budget for the year:
Quarter 1 Quarter 2 Quarter 3 Quarter 4 Total
Quarter Sales 100 150 100 200 550
Cost per unit $5.50
Cost of goods sold $550 $825 $550 $1,100 $3,025
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what is the biggest tower in the world.
Answer:
The Burj Khalifa, located in Dubai, has held its number 1 ranking, as the tallest building in the world, since 2010. It still is, as far as I know, the tallest building in the world, as of today, and sits approximately 2,717 ft tall.
Explanation:
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what is the main goal of people who work in the career feild of human services
This activity is important because the final price serves many functions for the firm. The final price must be high enough to cover the firm's costs and achieve the firm's objectives, but also low enough to be attractive to consumers. To set the final price, marketing managers begin with the list (quoted) price and then make price adjustments. Marketing managers use both discounts and allowances, which are reductions from the list price given, as a reward for performing an activity to arrive at the final price. The four most common types of discounts are (1) quantity, (2) seasonal, (3) trade (functional), and (4) cash. The goal of this activity is to demonstrate your understanding of the four types of discounts used by sellers.
Select the most appropriate category of discount for each of the eight examples below.
1. Chiquita encourages Smoothie King to pay its bills for bananas quickly by offering a 3% discount on bills that are paid within 7 days.
2. To encourage Target Stores to place its orders for bagged candy well before the trick-or-treat season, Hershey offers a low price on Reese's Peanut Butter Cups for orders placed before June.
3. Radio Flyer tries to get toy stores to order snow sleds and saucers in May by temporarily lowering the retailer's cost for its outdoor snow toy line.
4. Costco can purchase up to 1000 pallets of water from the manufacturer for $300 per pallet, but the costs drops to $275 per pallet for orders of 1001 or more pollets.
5. To get bills for its storage products paid quickly, Rubbermaid offers a 1% discount on bills that are paid in full within 10 days.
6. Pepsi offers a grocery store a reduction in the pallet price of Pepsi products in exchange for the store setting up a large football- themed display at the front of the store.
7. Consumers can buy a four-pack of Dove White Beauty Bars for $5.49 or they can buy an eight-pack of the same soap for $8.49.
8. Haggar offers Kohl's a reduction in the cost of its Men's Cool 18 Flat Front Pants in exchange for Kohl's running local advertising featuring Haggar products.
The types of discounts and their examples are displayed below:
Discount Category Example
Cash 1. Chiquita's 3% discount for payment within 7 days.
Seasonal 2. Hershey's offers of a low price for orders placed
before June.
Seasonal 3. Radio Flyer's lowered retailer's costs to encourage
toy stores to order in May.
Quantity 4. Reduced cost per pallet for orders above 1,000
pallets.
Cash 5. Rubbermaid's offer of 1% discount on bills paid
within 10 days.
Trade 6. Pepsi's offer to a grocery store of reduced pallet
price in exchange of a large football-themed display.
Quantity 7. Buying eight-pack Bars for $8.49 instead of a four-
pack Bars for $5.49.
Trade 8. Haggar's offer of reduced cost in exchange for
Kohl's running local advertising with Haggar products.
Thus, each category of discounts has specific purposes it achieves.
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Boreki Enterprise has the following 10 items in inventory. Theodore Boreki asks you a recent OM graduate to divide these item into ABC classification. Fill in the blanks and then answer the following questions. round dollar volume to the nearest number and percentage of dollar volume to two decimal places.
Item Annual Demand Cost\Unit Dollar Volume % of Total Dollar Volume
A2 3500 50 ___ ___
BB 4000 12 48,000 4.89
CT 1500 45 67,500 6.60
D1 6000 20 _____ _____
E9 1000 20 20,000 1.95
F3 500 500 ____ _____
G2 200 1500 300,000 29.34
H2 600 20 12,000 1.17
I5 1750 10 ____ ___
J8 2500 5 12,500 1.22
Based on the percentages of dollar volume, Item A2 should be classified as _____.
1. The blanks are filled with the correct values and each item classified according to the ABC classification as follows:
A - outstandingly important
G2 200 1500 300,000 37.62%
A2 3500 50 175,000 21.94%
D1 6000 20 120,000 15.05%
B - of average importance
CT 1500 45 67,500 8.46%
BB 4000 12 48,000 6.02%
C - relatively unimportant
F3 500 500 25,000 3.13%
E9 1000 20 20,000 2.51%
I5 1750 10 17,500 2.19%
J8 2500 5 12,500 1.57%
H2 600 20 12,000 1.50%
2. Item A2 is classified as A - outstandingly important.
Data and Calculations:
Item Annual Demand Cost\Unit Dollar Volume % of Total Dollar Volume
A2 3500 50 175,000 21.94%
BB 4000 12 48,000 6.02%
CT 1500 45 67,500 8.46%
D1 6000 20 120,000 15.05%
E9 1000 20 20,000 2.51%
F3 500 500 25,000 3.13%
G2 200 1500 300,000 37.62%
H2 600 20 12,000 1.50%
I5 1750 10 17,500 2.19%
J8 2500 5 12,500 1.57%
Total Dollar Volume 797,500 100%
Percentages of dollar = Dollar Volume/Total Dollar Volume x 100
Thus, based on the percentages of dollar volume, Item A2 should be classified as A - outstandingly important.
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1. Compute component percentages for Year 2. (Enter your answers as a percentage rounded to 2 decimal places (i.e. 0.1234 should be entered as 12.34).)
The percentage for the cost of sales is 65.21% in 2015. The percentage for the cost of sales is 65.41% in 2014.
It should be noted that the percentage for the cost of sales in 2015 was calculated as:
= Cost of sales / Net sales
= 36665/56223 = 65.21%
The percentage for the cost of sales in 2014 was calculated as:
= Cost of sales / Net sales
= 34941/53417 = 65.41%
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Along with a complete shut down or even jail time for its principals, what other possible result can occur if a business violates federal regulations?
A. The business may be fined for its infractions.
B. The business may be sanctioned and employees asked to resign.
C. The principal owners would be asked to leave the country
no links please
Answer:
The answer is "yes".
By definition they regulate them, which means restraining some of the actions they might otherwise take that are perceived to harm others or have other greater negative impacts on society.
That being said, they also benefit them by generally fostering an environment of stability in the markets, which is the first thing that commerce needs in exploiting opportunities. When a business knows what to expect, it is able to develop effective strategies that optimize profits for the circumstances.
Explanation:
zarasiato24, I couldn't give Brainliest so I am posting a new question so I can give you Brainliest
Answer:
im here
Explanation:
sample of event proposal
Tanong nyo po Kay Jollibee
which of the following sentence ls use active voice
Answer:
Where is the picture
Explanation:
Stone Age Surfboards is a small manufacturer of two types of popular high-tide surfboards, the Rockwell and the Limestone models. The manufacturing process consists of two departments: fabrication and finishing. The fabrication department has 15 skilled workers, each of whom works 5 hours per day. The finishing department has 5 workers, who also work a 5-hour shift. Each pair of Rockwell surfboards requires 3 labor hours in the fabrication department and 1.5 labor hours in finishing. The Limestone model requires 4.5 labor-hours in fabrication and 2 labor-hours in finishing. The company operates 6 days a week. It makes a per-unit profit of $60 on the Rockwell model and $75 on the Limestone model. Approximately 4.1 Rockwell models and 8.4 Limestone models are produced per day. What is the total number of hours used for the finishing operation
Based on the information given, the total number of hours that will be used for the finishing operation will be 22.95 hours.
The total number of hours that will be required for finishing 4.1 Rockwell models will be:
= 1.5 × 4.1 = 6.15 hours.
The total number of labor hours that'll be required for finishing 8.4 Limestone models will be:
= 2 × 8.4 = 16.8 hours.
Therefore, the total labor hours that will be required will be:
= 6.15 hours + 16.8 hours
= 22.95 hours
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what are the conflict management styles and dispute resolution mechanism
Answer:
Five styles for conflict management, as identified by Thomas and Kilmann, are: competing, compromising, collaborating, avoiding, and accommodating. Businesses can benefit from appropriate types and levels of conflict. That is the aim of conflict management, and not the aim of conflict resolutionThe not payable relating to the June 2, and 10 transactions is a five-year note, with interest at the rate of 12 percent annually...
A firm buys on terms of 2/8, net 45 days, it does not take discounts, and it actually pays after 63 days. What is the effective annual percentage cost of its non-free trade credit? (Use a 365-day year.)
The effective annual percentage cost of its non-free trade credit is 13.08%/
Here, we are to calculate the effective annual percentage cost.
Given Information
Discount % = 2%
Discount Days = 8
Net Days = 45
Actual days = 68
Nominal % cost = Disc. %/(100 – Disc. %) × (365/(Actual days – Disc. days)
Nominal % cost = 2 /(100 - 2) * 365/(68 -8)
Nominal % cost = 2 /98 * 365/60
Nominal % cost = 0.0204081 * 6.083333
Nominal % cost = 0.1241496
Nominal % cost = 12.41%
n = 365/(63 - 8) = 6.64
Effective annual rate = (1 + Nominal % rate/n)^ n – 1
Effective annual rate = (1 + 0.1241/6.64)^6.64 - 1
Effective annual rate = 1.13083302405 - 1
Effective annual rate = 0.13083302405
Effective annual rate = 13.08%
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While some brokers still operate exclusively in person or online, the distinction between the three types has become increasingly
The practice of brokers transacting business online have been more increasing in recent time.
Brokers refers to individual or a firm acts as intermediaries between the buyer and seller for commission in return when executed.
Typically, the brokers provides various intermediary services in different field. For example, acting as intermediaries for investment, obtaining loan, purchasing real estate, purchasing insurance policy etc
While some brokers provides their services in contact with clients, some brokers provide their services online.
In conclusion, the practice of brokers transacting business online have been more increasing in recent time.
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1. Did any Enron employees act Unethical in any manner? If so, give specific
examples.
Enron faced an ethical accounting scandal in 2001 after using “mark-to-market” accounting to fake their profits and misused special purpose entities, or SPEs. Enron worked to make their losses seem less than they actually were, and “cooked the books” to make their income look much higher than it was.
