An Adjustable Rate Mortgage (ARM) contains an escalator clause that allows the interest to adjust over the loan term. How often the loan rate may be changed is determined by the?

The United States has a comparative advantage in producing computers because, given the number of labor hours required in each nation, the US sacrifices fewer shirts to produce one computer compared to Mexico.

The principle of comparative advantage suggests that each country should specialize in the provision of goods for which it requires fewer resources or less time for production. In this case, we look at the number of labor hours required to produce one unit of a good: a shirt or a computer, in Mexico and the United States.

In Mexico, it requires 3 labor hours to produce a shirt and 15 labor hours to produce a computer. So, producing a computer in Mexico takes the equivalent of 5 shirts (15/3).

In the United States, it takes 2 labor hours to produce a shirt and 4.5 labor hours to produce a computer. Hence, producing a computer in the United States takes the equivalent of 2.25 shirts (4.5/2).

Given these ratios, the United States has a comparative advantage in producing computers because it sacrifices fewer shirts to produce a computer, compared to Mexico.

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Answer:

sustainable competitive advantage  

Explanation:

Sustainable competitive advantage refers to the abilities of a company that allows the company or firm to outperform its competitors and provide a superior or favorable long term position over competitors.

It allows the firm to have better  sales,   more profit margin, more customers and a larger market share than its competitors in the same industry  

Answer:

Adventure Ski LLC will file a form 941 for the four-quarter period. That is for total amount of $52,800.

Explanation:

When filing form 941 in 2019 it will be against four quartets from July 2017 to June 2018. The companie's tax obligation will be on 15,200+15,800+4,200+17,600 =$52,800

The guideline for tax payment is:

1. When the amount filed is below $50,000, tax deposits are made monthly.

2. For tax payments above $50,000 tax deposits are semi-weekly.

It is important to note that when deposits are delayed by 1 to 5 days the company will be fined 2%. Delay of 6 to 15 days will attract a fine of 5%.

During the lookback period of July 2017 to June 2018, Adventure Ski LLC reported a total of $52,800 in federal employment taxes. Therefore, in 2019, they will be considered a semi-weekly depositor as their tax liability exceeded $50,000 during the lookback period.

The question refers to federal employment taxes and a lookback period. The lookback period is a specific 12-month period used by the IRS to determine how often a business needs to deposit their employment taxes (monthly or semi-weekly). In this case, the lookback period is from July 2017 to June 2018.

The total federal employment taxes reported by Adventure Ski LLC during this time is the sum of the four quarters: $15,200 + $15,800 + $4,200 + $17,600 = $52,800.

In 2019, if Adventure Ski LLC's total tax liability during the lookback period is $50,000 or less, they are a monthly depositor. If it's more than $50,000, they are a semi-weekly depositor. Therefore, given that their tax liability during the lookback period was $52,800, Adventure Ski LLC will be considered a semi-weekly depositor in 2019.

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Answer:

667 horse shoes

Explanation:

Given that,

The company's fixed and variable costs are modeled by the function

Cost function: C(x) = 5.6x + 1,200

Revenue function: R(x) = 7.4x

x ⇒ represents the number of horse shoes

For break even,

Cost = Revenue

5.6x + 1,200 = 7.4x

7.4x - 5.6x = 1,200

1.8x = 1,200

x = 667

Therefore, they have to sell 667 horse shoes to break even.

Answer:

loan to value =  80%

Explanation:

given data

contract price = $100,000

mortgage loan = $80,000

appraised value = $110,000

solution

we get here loan to value ratio that is

loan to value = [tex]\frac{loan}{contract\ price}[/tex]   .................1

here lender use less of contract price or appraised value

so put here value in equation 1 we get

loan to value = [tex]\frac{80000}{100000}[/tex]  

loan to value = 0.80

loan to value =  80%

Answer:

C) learn whether consumers are currently satisfied with the offerings.

Explanation:

Fletcher is basically conducting a survey to determine consumer satisfaction, preferences and suggested improvements. It is very important to periodically perform consumer satisfaction surveys to get feedback about changing consumer expectations.  

Consumers very quickly assume that better services or better products should be the norm. For example, a PC manufacturer starts to expand their product warranty from one year (industry standard) to three years. Soon customers will expect that all PC manufacturers offer the three year warranty.

If consumer expectations are important for most goods and services, they are   vital and extremely important for clothing manufacturers. Clothing styles change every season, so consumers expect radical positive changes every few months.

Answer:

Financial reporting is the process of communicating financial accounting information to existing and potential future investors, creditors, lenders, and other internal decision makers.  

Explanation:

Financial reporting refers to the process of reporting financial statement which include, cash flow statement, income statement and also the balance sheet to users of accounting information which includes potential investors, creditors, suppliers, shareholders, government, internal auditors and even the general public  which will help them to make financial decisions as regards investments, taxes, profitability etc.

Answer:

According to this situation, we assume that firm F is the only producer of product X.

Explanation:

A perfect replacement is a condition in which two items are considered equal. Great replacements are goods and you can't build a brand whereby consumers like the commodity.

Except for a market price, optimal substitution suppliers must have no impact on the quality.

Answer:

a positive technology shock

Explanation:

Technology is part of the capital factor of production, and it is the most important way of increasing the quality of capital. An increase in the quality of capital means that given a same amount of capital (e.g one machine), labor will be able to produce a larger output (an increase in productivity). Technological improvements are usually achieved through research and development.

Technological improvements also affect the land factor since they can reduce the use of natural resources and wastes, although the largest impact is usually made on labor productivity.

When a country's productivity increases, real GDP might increase above full employment level because less workers are needed to produce larger outputs.

Answer:

$1,273,300

Explanation:

The computation of the net income is shown below:

= Gross sales - sales returns - Cost of goods sold - Selling and administrative expense - prior-year understatement of amortization expense + Gain on sale of stock portfolio securities + Gain on disposal of a discontinued business segment - income tax expense

where, income tax expense would be

= ( Gross sales - sales returns - Cost of goods sold - Selling and administrative expense - prior-year understatement of amortization expense + Gain on sale of stock portfolio securities + Gain on disposal of a discontinued business segment) × income tax rate

= ($3,600,000 - $34,000 - $1,200,000 - $500,000 - $59,000 + $8,000 + $4,000) × 30%

= $545,700

So, the net income would be

= $3,600,000 - $34,000 - $1,200,000 - $500,000 - $59,000 + $8,000 + $4,000 - $545,700

= $1,273,300

The net income for Year Two is $1,339,800.

In order to calculate the net income for Year Two, we need to consider the various revenues and expenses.

First, we need to calculate the operating income. Operating income is calculated by subtracting the cost of goods sold and selling and administrative expenses from the gross sales. Therefore, the operating income for Year Two is $3,600,000 - $1,200,000 - $500,000 = $1,900,000.

Next, we need to consider the various gains and adjustments. The gain on sale of stock portfolio securities, gain on disposal of discontinued business segment, and unrealized gain on AFS debt portfolio securities are all non-operating gains. These gains are added to the operating income. Therefore, the total income before taxes is $1,900,000 + $8,000 + $4,000 + $2,000 = $1,914,000.

Finally, we need to consider the income tax. The effective income tax rate is 30%, so the income tax expense is $1,914,000 x 0.30 = $574,200.

Therefore, the net income for Year Two is $1,914,000 - $574,200 = $1,339,800.

Answer:

Foreign Direct Investment

Explanation:

If Savvy Skin Care, is a U.S.-based beauty products manufacturer and has set up a manufacturing plant in Hong Kong. This is an example of Foreign Direct Investment.

Foreign Direct Investment (FDI) is when an a firm or individual in one country makes investment into business interests in another country.

In the scenario above, Savvy Skin Care is a firm in the U.S. but is making investments in pursuit of business in another country. This is an exact example of Foreign Direct Investments

Answer: NO, Chelsea is responsible to the seller and not to the buyer.

Explanation: A listing agent is a person or an organisation who acts as a third party in a business transaction mandated to represent the agent of his or her principal in this case the seller. Chelsea is a listing agent he is expected to work as agreed with his principal who is the seller. Recommending a price to the seller will mean that he is betraying the agreement between him and his principal who is the seller. The customer has to source for an agent who is specialized in price negotiation to give the recommended price or stand on his behalf

Answer:

Receivable Turnover=  11.89  

Inventory Turnover = 3.69

Asset Turnover= 3.885

Explanation:

Receivable Turnover = Net Sales/ Average Account Receivable

Receivable Turnover =  58,538,000/ ( beginning AR + Ending AR)/2

 Receivable Turnover =  58,538,000/ 4922,000    

Receivable Turnover=  11.89                              

Inventory Turnover = Cost of Good Sold/ Average Inventories

Inventory Turnover = Cost of Good Sold/ ( beginning Inv + Ending Inv )/2

Inventory Turnover = 30,324,000/8211000

Inventory Turnover = 3.69

Asset turnover= Net Sales/ Average Total Assets

Asset turnover= 58,538,000/ 15,067,000

Asset Turnover= 3.885

The receivable turnover is approximately 6.49, the inventory turnover is approximately 3.69, and the asset turnover is approximately 3.89.

The receivable turnover is calculated by dividing the total credit sales by the average receivables. In this case, the receivable turnover is $31,978,000 divided by $4,922,000, which equals approximately 6.49.

The inventory turnover is calculated by dividing the cost of goods sold by the average inventory. In this case, the inventory turnover is $30,324,000 divided by $8,211,000, which equals approximately 3.69.

The asset turnover is calculated by dividing the total sales by the total assets. In this case, the asset turnover is $58,538,000 divided by $15,067,000, which equals approximately 3.89.

Answer: Generally, when trying to solve a complex accounting problem in which there are obstacles and little knowledge about the subject, the most advisable thing is to work from a conceptual framework which serves as a guide to find a reasonable answer to the problem in question. In this case Marla was clearly working with a conceptual framework, and instead Jacob was not.

Answer:

c.  wisdom of the crowds

Explanation:

Wisdom of the crowds -

According to this concept , the larger group of people are smarter than any individual expert , in the process of innovation , decision making and problem solving is referred to as wisdom of the crowds.

This very concept was first given by James Surowiecki .

Hence, from the given scenario of the question,

The correct term is  wisdom of the crowds .

Answer:

Customer database

Explanation:

Customer database is very important to an organisation as it is one of the ingredients that makes an organisation to be successful in its business. Some of the advantages of customer database to an organisation include:

1. It helps in creating customer affinity as most customers prefer to continue to patronize a known business. Special offers and information can then be sent to customers via marketing emails to customers who have accepted to receive them.

2. It improves loyalty of customers and therefore allows the business to give preferential treatment this segment of loyal customers.

3. It allows better customer service to be provided. This is possible because there is available information about customer buying behavior and post-purchase feedback from customers.

4. It allows business to have direct channel to customers that have bought before from the company. Therefore, information about new products can be made directly available to them which will increase sales of the business.

5. Related to number 4 above, customer database gives an organisation the opportunity to roll out new products to some selected customers in the database to test its acceptability before it lunched on larger scale to the general public.

I wish you the best.

Answer:

Normative statement

Explanation:

A normative comment makes a conclusion on meaning. Such a decision is the presenter's viewpoint; nobody can "confirm" whether or not the comment is true. Since individuals have different principles, ethical pronouncements also create discord.

An economist whose beliefs allow him to claim that we ought to provide more help to the needy will compete with one whose ideals contribute to a determination that we ought not.

It is not uncommon for people to present an argument as constructive, to render it more compelling for an audience when it already has negative elements. Sources of this are opinion pieces in magazines or on other outlets. That is why it is critical that we can distinguish among constructive and negative statements.

Answer:

Profit

Explanation:

Break-even point is the level of activity that a business must operate to make its total revenue equal to its total cost. At this point, the business makes no profit or loss. It gives an idea of the exact number of units of product to be sold in order to cover its total fixed cost.

Break-even point (BEP) is calculated as follows:

BEP (units)  = Total Fixed Costs for the Period/ (Sp - Vc)

SP- selling price, VC- variable cost

For example, if John and Brett has a total fixed cost of $120,000 per month, selling price and variable cost of $8 per unit respectively. The break-even cost is determined as follows:

BEP= 120,000/(10-8)= 60,000units.

This means that selling 60,000 units of toys monthly will make the business to make no profit or loss. We can confirm this as follows:

Profit= Total revenue - Total Variable cost - Total Fixed Cost

Profit= ($10 × 60,000) - ($8× 60,000) - $120,000

        = $600,000 - $480,000 - $120,000

Profit =   $0

But if they sell 60,500 units in a month, profit for the month will be:

Profit = ($10 *60,500) - $ ($8 × 60,500) - $120,000

        = $1000

Any units sold over and above the break-even point will represent profit

Based on the Trompenaar's value dimensions the culture that separate the work and the private lives of the manager is the specific oriented value

Explanation:

There are seven basic values based on which each of them are defined and the dimension that allow the people to keep their private lives and their work life different is called as specific oriented culture

The other dimensions also includes the difference between the national cultures and they developed the model in each cultures and they can help the people to understand the basic differences

Answer:

STIMULUS

Explanation:

In biology, a cause is a measurable change to the internal or external state of an individual's physical or chemical framework. When a stimulus is delivered to a sensory receptor, by stimulation transduction it usually elicits or affects a response.

Therefore, Bill's behavior of speeding over the legal limit is also said to be included in STIMULUS regulation while his buddies are with him.

Answer:No

Explanation:By sense of duty, the broker should be should be considered for a commission .But by reasonable conclusion,No.This is to buttress that point,that commissions are only paid on sales.There was no sale so no commission for the broker.This justify the saying that effort is not enough but result. The broker should have properly validated all the documents before bringing in a buyer.It sure part of his duty.The broker is therefore entitled to no commission on negligence of duty

Answer:

Correct answer is A. North America

Explanation:

IBM environmental study report the list countries according to their responses to the green practice which indicate that North America is likely to lag in the eco-friendly activities.

Answer:

Accumulating and then assigning costs

Explanation:

A cost accounting framework (likewise called item costing framework or costing framework) is a system utilized by firms to gauge the expense of their items for painfulness examination, stock valuation and cost control. Evaluating the exact expense of items is basic for productive tasks.  

Cost accumulation  includes the utilization of a proper cost bookkeeping framework to gather cost data.

A cost system determines the cost of a cost object by assigning costs first and then accumulating them. This process ensures that all relevant costs are considered and provides an accurate representation .

A cost system determines the cost of a cost object by assigning and then accumulating costs.
Let's break down the process step-by-step:
1. Assigning costs: In this step, the cost system identifies and assigns costs to the cost object. A cost object can be a product, service, project, or any other entity for which costs need to be determined. For example, if the cost object is a product, the cost system will identify and assign costs such as direct materials, direct labor, and overhead expenses to that particular product.

2. Accumulating costs: Once the costs are assigned, the cost system accumulates these costs. Accumulation involves gathering and recording all the costs related to the cost object. This includes both direct costs (e.g., direct materials and direct labor) and indirect costs (e.g., overhead expenses).

By assigning and then accumulating costs, the cost system provides a comprehensive view of the total cost incurred for the cost object. This information is crucial for decision-making, budgeting, pricing, and evaluating the profitability of the cost object.

In conclusion, a cost system determines the cost of a cost object by assigning costs first and then accumulating them. This process ensures that all relevant costs are considered and provides an accurate representation of the total cost incurred.

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Answer:

True

Explanation:

The given statement that holding negative opinions over other people is ethical is completely false.

Weak negative ethical theories aim to lessen suffering and increase happiness, yet they are frequently accused of giving pain a greater priority than happiness.

The belief that morality is merely a matter of opinion ultimately acts as a barrier to moral reflection and ethical thought.

This is exactly what the inclination to view moral issues as subjective viewpoints do. The outright assertion that the solution to any moral quandary is a matter of opinion stops investigation before it even gets going.

It is typically regarded as positive to be tolerant of different moral worldviews. Moral difficulties can evoke strong emotions in various people, making it appear disrespectful to correct them.

Therefore, as a result, it is completely false and unethical to hold negative opinions about people. Hence, false is the answer.

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Answer:

Market segmentation

Explanation:

Market segmentation is the process of dividing a market of potential customers into groups, or segments, based on different characteristics.  

Markets can be segmented on the basis of socio-economic groups (income), age, location, gender, lifestyle, use of the product (home/work, leisure/business..) etc.  Each segment will require different methods of promotion and distribution. For example, products aimed towards kids would be distributed through popular retail stores and products for businessmen would be advertised in exclusive business magazines

Market segmentation makes  marketing cost-effective, as it only targets a specific segment and meets their needs. it also leads to higher sales and profitability  and also Increases opportunities to increase sales .

Answer:

If workers agree to accept lower wages

Explanation:

Recession is a business situation in which economic activities are at a decline as a result of reduction in spending.

When this occurs, it affects firms and their investments and as such firms have to reduce their investment to ensure that the firm stays afloat and also trying to stabilize the economy. As part of trying to stabilize the economy, workers have to agree to accept lower wages till the economy is at equilibrium again. Accepting lower wages returns the economy to long-run equilibrium.

Cheers.

Answer:

D. North Korea

Explanation:

Unlike other three nations provided as options, North Korea is a communist nation.

The central problems of an economy relate to answering the three questions of what to produce, how to produce and for whom to produce.

In a communist nation such as North Korea, the government is the supreme authority and citizens of such a nation do not exercise any influence or control on the output which shall be produced.

All the economic decisions are taken by the ruling government in such nations.

Hence, the correct answer is option (D). North Korea

Answer:

Before purchasing such a​ product, it is essential​ to:

Consider all five components of the information system

Explanation:

Before making any software purchase, it is always imperative to consider all the five components of the information system(IS). An information system can be defined as an integrated set of components that work in co-ordination to convert raw data to usable information. An information system constitute the following components; hardware, software, database, network and people. All these components have to work as a group to achieve quality output.

1. Hardware

Hardware are all the input and output devices, processor, media devices and operating system.

2. Software

Software is a set of various programs and processes that utilizes the data for processing.

3. Database

Database refers to a group of data that has been organized in a particular fashion. The data in a database has to be structured in a certain way in order to be executed.

4. Network

A network is a system of communication devices that acts as a channel to move the information around.

5. People

The people are the human resource that are to operate the software.

Answer:

Conservatism

Explanation:

Conservatism also known as the "doctrine of prudence" is a principle where by the accountant plays safe by anticipating future losses without considering future gains.

The Conservatism Principle in accounting encourages professionals to choose the option that results in the lowest net income when faced with a recognition dilemma. The principle aims to prevent the overstatement of income.

The accounting principle that guides accountants, when faced with a recognition dilemma, to choose the alternative that produces the lowest net income is referred to as the Conservatism Principle. This principle advises accountants to err on the side of caution when preparing financial statements – if there are two equally-likely estimations, accountants should go with the one that will show less net profit, or a greater loss. It doesn't mean to understate income, but to avoid overstating it. Its purpose is to reduce the risk of overestimation but can result in reporting lower net income.

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Answer:

Letter A is correct. Response strategy.

Explanation:

The alternative that best suits the strategy used by the Skyscape company is the response strategy, whose main objective is the development and implementation of strategic actions so that the company can achieve better opportunities and reduce the risks associated with the market.

This strategy helps to prevent and monitor the risks inherent to the internal and external environment of the business.