You just signed a business consulting contract with one of your clients. The client will pay you $50,000 a year for five years for the service you will provide over this period. You anticipate the general inflation rate over this period to be 6%. If your desired inflation-free interest rate (real interest rate) is to be 4%, what is the worth of the fifth payment in present dollars? The client will pay the consulting fee at the end of each year.

Answers

Answer 1

Final answer:

The worth of the fifth payment in present dollars, given a 6% inflation rate and a 4% desired real interest rate, is approximately $31,046 after accounting for the effect of nominal interest of 10% over five years.

Explanation:

To calculate the worth of the fifth payment in present dollars considering an inflation rate of 6% and a real interest rate of 4%, we use the formula for the present value of a future payment:

Begin with the future value of the payment: $50,000.

Calculate the nominal interest rate, which is the sum of the real interest rate and the expected inflation rate. This gives us a nominal interest rate of 4% + 6% = 10%.

Adjust the future payment to present value using the formula Present Value = Future Value / (1 + Nominal Interest Rate)^Number of Periods.

For the fifth payment, Number of Periods is 5. Therefore, the present value of the fifth $50,000 payment is $50,000 / (1 + 0.10)^5.

Perform the calculation: Present Value = $50,000 / (1.10)^5 = $50,000 / 1.61051 ≈ $31,046.

Therefore, the worth of the fifth payment in present dollars is approximately $31,046.


Related Questions

3 years ago and at that time recorded goodwill of $300,000. The Johnson Division's net assets, including the good amount of $650,000. The fair value of the division is estimated to be $620,000 and the implied goodwill is $270,000 Prepare Ayayai journal entry to record impairment of the goodwill. (Credit account titles are automatically indented when amount is entered. Do not indent manually. If no entry is required, select "No Entry" for the account titles and enter 0 for the amounts.) Account Titles and Explanation Debit Credit

Answers

Answer:

Explanation:

Since the fair value is less than the carrying value so the journal entry is recorded.

The journal entry is shown below:

Loss on impairment A/c Dr $30,000

              To Goodwill A/c $30,000

(Being loss on impairment is recorded)

Impairment = Initial goodwill - Implied goodwill

                   = $300,000 - $270,000

                   = $30,000

Seasonal patterns A. cannot be predicted.B. are multiyear runs of observations above or below the trend line.C. reflect a shift in the time series over time.D. are regular repeated patterns.

Answers

Answer:

The correct answer is letter "D": are regular repeated patterns.

Explanation:

In statistics, seasonal patterns are a group of components that tend to repeat their behavior over specific intervals. Those intervals are likely to be one year. Seasonal patterns oppose to cyclical patterns because the latter identifies repeated behavior over intervals that sometimes can be long or some times short.

The costs incurred in the inspection of final products or services is an example of​ a(n) ________. AN. internal failure cost B. appraisal cost C. external failure cost D. prevention cost

Answers

Answer:

The correct answer is letter "B": appraisal cost.

Explanation:

Appraisal costs are the expenditures incurred by a company as part of the quality control process. Those fees are paid for the inspection of the products being sold before they each end-users so defects can be detected if there is any. Providing customers with faulty goods can cause the company being imposed lawsuits or penalties that end up being more expensive than appraisal costs.

The threat from substitutes is high when: a. switching costs are high. b. the substitute product's price is lower than the industry product's price. c. the quality of the substitute product is lower than the quality of the industry's product. d. the substitute product stimulates new process innovations within the industry.

Answers

Answer:

Option (b) is correct.

Explanation:

Substitute goods refers to the goods which are having positive cross price elasticity of demand. This means that there is a direct relationship between the price of one good and the quantity demanded for its substitute good.

Therefore, the threat from substitutes is high when the price of substitute is lower the price of particular good because by offering a lower price for the same product induces consumers to buy product from this seller.

The substitute goods are having the similar characterstics and provide same level of satisfaction. That's why the consumers easily switch to the product with a lower price.

Answer:

The correct answer is letter "B": the substitute product's price is lower than the industry product's price.

Explanation:

Threats are all external factors that potentially represent a disadvantage for firms. When it comes to competition between companies, if one of them decides to set the price of their goods or services below the industry's standard, the scenario represents a threat for the competitors since consumers are price-driven which means more of them will prefer to purchase the products of the company offering at lower prices.

All-Star Automotive Company experienced the following accounting events during 2018:

Performed services for $14,200 cash.
Purchased land for $7,200 cash.
Hired an accountant to keep the books.
Received $32,000 cash from the issue of common stock.
Borrowed $8,400 cash from State Bank.
Paid $4,200 cash for salary expense.
Sold land for $8,400 cash.
Paid $3,200 cash on the loan from State Bank.
Paid $4,400 cash for utilities expense.
Paid a cash dividend of $1,200 to the stockholders.

Prepare a statement of cash flows for 2018. Assume All-Star Automotive company had a beginning cash balance of $9,200 on January 1, 2018.

Answers

Answer:

Explanation:

The preparation of the Cash Flows from three Activities is presented below:  

a. Cash flow from Operating activities  

Performed services for cash $14,200

Less: Cash paid for salary expenses  -$4,200

Less: Cash paid for utilities expenses -$4,400

Net Cash flow from Operating activities $5,600

b. Cash flow from Investing activities  

Purchase of land - $7,200

Proceeds from the sale of land $8,400

Net Cash flow from Investing activities $1,200

c. Cash flow from Financing activities  

Cash receipt from the issuance of common stock $32,000

Borrowed cash from state bank $8,400

Les: Paid cash on the loan from state bank -$4,400

Less: cash dividend paid -$1,200

Net Cash flow from Financing activities $34,800

Net Cash flow from Operating activities $5,600

Net Cash flow from Investing activities $1,200

Net Cash flow from Financing activities $34,800

Add: Beginning cash balance $9,200

Ending cash balance                                                $50,800

J. Morgan and M. Halsted are partners who share income and loss in a 3:1 ratio. After several unprofitable periods, the two partners decided to liquidate their partnership. The current period's income or loss is closed to the partners' capital accounts according to the sharing agreement. Immediately before liquidation, the partnership balance sheet shows: land, $100,000; accounts payable, $80,000; J. Morgan, Capital, $15,000; and M. Halsted, Capital, $5,000. On January 15, the land was sold for $110,000 cash. On January 16, the partnership settled its liabilities. On January 31, the remaining cash was distributed to the partners. Prepare the January 15 journal entry for the partnership to record the sale of the land. Note: Enter debits before credits. Date General Journal Debit C

Answers

Answer:

cash   110,000 debit

  land                   100,000 credit

  gain at disposal  10,000 credit

--to reocrd teh sale of land--

accounts payable 80,000 debit

               cash               80,000 credit

--to record the payment of liabilities--

gain at disposal 10,000 debit

                Morgan           7,500 credit

                Halsted          2,500 credit

--to distribute the gain from sale--

Morgan 22,500

Haslted    7,500

   Cash                30,000

--to liquidate the partnership--

Explanation:

ratio 3:1 (3+1=4)

Morgan  15000 share of 3/4 = 75%

Halsted   5000 share of 1/4 = 25%

there is gain of 10,000 in the sale distribute as follow

Morgan 10,000 x 75% =  7,500

Halsted 10,000 x 75% =   2,500

Now we close the account against cash

Assume that you have a subsidiary in Australia. The subsidiary sells mobile homes to local consumers in Australia, who buy the homes using mostly borrowed funds from local banks. Your subsidiary purchases all of its materials from Hong Kong and pays Hong Kong dollar. The Hong Kong dollar is tied to the U.S. dollar. Your subsidiary borrowed funds from the U.S. parent, and must pay the parent $100,000 in interest each month. Australia has just raised its interest rate in order to boost the value of its currency (Australian dollar). The subsidiary’s cost of purchasing materials measured in Australian dollar will ____________. A. increase B. decrease C. not change

Answers

Answer:

B. decrease

Explanation:

The subsidiary's cost of purchasing materials measured in Australian dollar will decrease. The subsidiary in Australia sells mobile homes. It borrows funds from local bank and purchases material from Hong Kong and pays Hong Kong in HK$ which is tied to US dollar. So when Australian dollar appreciates against the Hong Kong dollar, it will appreciate against US dollar as the Hong Kong dollar is tied to US dollar. The subsidiary will pay decreased cost of purchasing material due to appreciations of A$ by increasing interest rate in Australia.  

Final answer:

The cost of purchasing materials measured in Australian dollars will increase for the subsidiary. This is due to the rise in interest rates in Australia, which boosts the value of the Australian Dollar. As the Australian dollar gets stronger, it will require more dollars to purchase the same amount of Hong Kong dollars (linked to U.S. dollar).

Explanation:

The subsidiary's cost of purchasing materials measured in Australian dollars would increase. This is due to the fact that Australia has raised its interest rates, which consequently would lead to a boost in the value of its currency (Australian dollar). In monetary value terms, as the Australian dollar gets stronger, you will require more dollars to purchase the same amount of Hong Kong dollars (which is linked to the U.S. dollar). Consequently, the rate of exchange between the Australian dollar and the Hong Kong dollar will change, more specifically it will increase. As a result, it will cost more in terms of the Australian dollar to buy the same amount of materials from Hong Kong.

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On February 1, 2017, Pat Weaver Inc. (PWI) issued 10%, $1,000,000 bonds for $1,116,000. PWI retired all of these bonds on January 1, 2018, at 102 for total proceeds of $1,020,000. Unamortized bond premium on that date was $92,800. How much gain or loss should be recognized on this bond retirement

Answers

Answer:

$72,800

Explanation:

Book value:

= Value of bonds + Unamortized bond premium

= $1,000,000 + $92,800

= $1,092,800

Paid at redemption:

= 102% of value of bonds

= 102% × $1,000,000

= $1,020,000

Gain on bond retirement:

= Book value -  Paid at redemption

= $1,092,800 - $1,020,000

= $72,800

Therefore, gain should be recognized on this bond retirement will be $72,800.

If a country experiences a rise in prices but produces the same quantity of output as in the previous year, its nominal GDP will _____ and its real GDP will _____.

Answers

Answer:

Increases

Stays the same

Explanation:

Nominal GDP is output produced by a country multiplied by current year prices.

Real GDP is output produced by a country multiplied by base year prices. The real GDP adjusts for the effects of inflation.

I hope my answer helps you

An investment pays $400 in one year, X amount of dollars in two years, and $500 in three years. The total present value of all the cash flows (including X) is equal to $1,500. If i is 6 percent, what is X?

Answers

Answer:

X = 789.70

Explanation:

we solve for X considerign each deposit is discounted at the given rate using the lump sum formula:

[tex]\frac{Maturity}{(1 + rate)^{time} } = PV[/tex]

[tex]\frac{400}{1.06}+\frac{X}{1.06^2} +\frac{500}{1.06^3} = 1,500\\X= (1,500 - \frac{400}{1.06} - \frac{500}{1.06^3}) \times 1.06^2[/tex]

X = 789.7018868

Final answer:

To find the cash flow amount in the second year (X) in this present value calculation, you should calculate the present values of the known cash flows for years 1 and 3, subtract that sum from the total present value, and then adjust for the present value calculation for year 2.

Explanation:

This question involves the concept of present value in finance. The present value formula is a way to determine the current worth of a future sum of money, given a specified rate of return. This problem is asking you to find the amount in the second year (X) using the condition that the total present value is $1,500.

Using the Present Value (PV) formula PV = CF / (1 + r)^n where CF is cash flow, r is rate of interest, and n is number of years, the given conditions can be written as follows:

PV for year 1: 400 / (1 + 0.06)^1PV for year 2: X / (1 + 0.06)^2PV for year 3: 500 / (1 + 0.06)^3

The sum of these present values should be $1,500, so to find X, you should sum the PVs for years 1 and 3, subtract that sum from $1,500, and then adjust for the present value calculation for year 2. So, X = [$1,500 - (PV for year 1 + PV for year 3)] x (1 + 0.06)^2

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Sobota Corporation has provided the following partial listing of costs incurred during August:

Marketing salaries $ 51,900
Property taxes, factory $ 10,300
Administrative travel $ 105,000
Sales commissions $ 52,400
Indirect labor $ 44,100
Direct materials $ 172,600
Advertising $ 144,000
Depreciation of production equipment $ 48,300
Direct labor $ 94,500


Required:
a. What is the total amount of product cost listed above?
b. What is the total amount of period cost listed above?

Answers

Answer:

a. The total amount of product cost is $369,800

b. The total amount of period cost is  $353,300

Explanation:

 Product costs are costs that are directly incurred in the production of goods. Products costs are traceable to production of goods. Examples of products costs are direct material cost and direct labor cost.

In contrast, period costs are costs that are incurred on the general affairs of the business. They are not related to production of goods. They are incurred on administering a business. Example includes salaries paid to directors of a company

Total amount of product cost                                       $                                                                          

Property taxes, factory                                               10,300

Indirect labor                                                               44,100

Direct materials                                                           172,600

Depreciation of production equipment                     48,300

Direct labor                                                                 94,500

                                                                                    369,800

Total amount of period cost:                                       $

Marketing salaries                                                     51,900

Administrative travel                                                  105,000

Sales commissions                                                     52,400

Advertising                                                                 144,000

                                                                                    353,300

     

Which of the following statements is true about market value ratios? High P/E ratios could mean that the company has a great deal of uncertainty in its future earnings. Low P/E ratios could mean that the company has a great deal of uncertainty in its future earnings.

Answers

Final answer:

Market value ratios, such as the P/E ratio, reflect the market's perception of a company's future earnings. A high P/E ratio suggests positive expectations, while a low P/E ratio may indicate concerns about future earnings.

Explanation:

Market value ratios provide investors with insights into the market's perception of a company's value. One common market value ratio is the Price-to-Earnings (P/E) ratio. A high P/E ratio suggests that the market has a positive view of the company's future earnings potential, as investors are willing to pay a higher price for each unit of earnings. On the other hand, a low P/E ratio may indicate that the market has concerns about the company's future earnings, potentially due to uncertainty or poor performance.

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Kinglinks, a cereal manufacturer, wants to promote its new line of protein bars to its target customers using a nonpersonal form of communication.
Kinglinks is least likely to rely on _____ as a means of communication.

A. advertising
B. direct marketing
C. sales promotion
D. public relations

Answers

Answer:

B. direct marketing

Explanation:

A non personal form of communication is a type of marketing that directed information to the public (non one to one communication) without a means of feedback.

Advertising is a marketing strategy directed to the public (target customers) letting them aware of the new products or an existing products to enhance increase in purchase.

Direct marketing is a one to one form of marketing which Kinglinks will not be doing.

Therefore, Kinglinks is least likely to rely on direct marketing as a means of communication.

Determine the current ratio if current assets total $150,000, non-current assets are $205,000, current liabilities total $60,000, long-term liabilities total $80,000, and shareholder’s equity totals $215,000.

Answers

Answer:

The current ratio is 2.5:1

Explanation:

The current ratio is a relationship of the current assets and the current liabilities, and is normally expressed as a percentage.

Based on the  data provided in the question, it is calculated as under:

Total Current assets                  $ 150,000

Total Current Liabilities             $  60,000

The current assets are two and a half times of the current liabilities. Using the lower figure as a base. the current assets are ratio comes out to be

2.5 : 1.

​________ represents a debt owed for renting a building.A.Rent PayableB.Rent ExpenseC.Rent RevenueD.Prepaid Rent

Answers

Answer:

A. Rent Payable

Explanation:

Rent Payable refers to an expense which is certain and is to be paid in future. It represents a debt in the sense that it is an obligation which is required to be met in the near future.

The journal entry for rent payable is recorded as follows,

Rent A/C                                                       Dr.

     To Rent Payable A/C

(Being rent payable recorded)

Rent Payable A/C is a liability while rent is an expense. Expenses are debited and liabilities are credited so as to recognize them.

Final answer:

Rent Payable represents a debt owed for renting a building; it is a liability that reflects the obligation to pay for building use in a future period.

Explanation:

The term that represents a debt owed for renting a building is Rent Payable. This is because it is an obligation that the company has to pay for the use of a building for a certain period. Rent payable is a liability on the balance sheet and differs from rent expense, which reflects the cost of rent that has already been used up during an accounting period. Rent Revenue is what a company earns from renting out property, whereas Prepaid Rent represents rent payments made in advance for future periods.

The PCI Council was formed in 2006 to create safeguards designed to protect credit card data. Any merchant or service provider who accepts credit cards must follow the safeguards. True False

Answers

Answer:

True

Explanation:

In order to protect businesses who accept credit cards from their customers as forms of payment, the Payment Card Industry Security Standards Council (PCI SSC) also known as the Payment Card Industry Data Security Standard (PCI DSS)  it was established in 2006 by American Express. It helps in strengthening credit card holder data security to mitigate the credit card risks. The standard presents a benchmark against which businesses can compare and measure their own security policies

Investors in closed-end funds who wish to liquidate their positions must a.sell their shares to other investors. b.sell their shares to the issuer at a discount to Net Asset Value. c.sell their shares to the issuer at a premium to Net Asset Value. d.sell their shares to the issuer for Net Asset Value. e.hold their shares to maturity

Answers

Answer:

The correct answer is letter "A": sell their shares to other investors.

Explanation:

Closed-end funds are pools of assets that at the beginning raise a fixed amount of income thanks to an Initial Public Offering (IPO) and later on trades in a public stock exchange. Close-end funds are said to provide higher returns than open-end funds. When investors have a position with a closed-end fund, to exit it the number of shares held must be sold to another investor.

You are evaluating the balance sheet for Cypress Corporation. From the balance sheet you find the following balances:Cash and marketable securities = $610,000, Accounts receivable = $810,000, Inventory = $510,000, Accrued wages and taxes = $51,000, Accounts payable = $201,000, and Notes payable = $1,010,000. What is Cypress's net working capital?

Answers

Final answer:

Cypress Corporation's net working capital is calculated by subtracting its current liabilities from its current assets, resulting in a net working capital amount of $668,000.

Explanation:

To calculate the net working capital for Cypress Corporation, we need to subtract the current liabilities from the current assets. The current assets are the sum of cash and marketable securities ($610,000), accounts receivable ($810,000), and inventory ($510,000), which totals to $1,930,000. The current liabilities are the sum of accrued wages and taxes ($51,000), accounts payable ($201,000), and notes payable ($1,010,000), amounting to $1,262,000. Therefore, the net working capital for Cypress Corporation is $1,930,000 - $1,262,000 = $668,000.

Net working capital is an important measure of a company's liquidity and its ability to meet short-term obligations. It is calculated as current assets minus current liabilities.

Compare and contrast anticipatory and response-based business models. Why has responsiveness become popular in supply chain collaborations?

Answers

Answer:

Forecast and planning

Explanation:

An anticipatory model is a model under which market forecast determines the production of products by the manufacturer, and purchases by retailers also determined by forecasts and promotional plans. Since the forecasts are wrong most of the times, anticipatory model usually leads to differences in the actual production of the firms and what they initially planned to produce.  

Anticipatory Model is a risky model because anticipation of future events always determines the work to do by the firm.

On the contrary, the Responsive Business Model does not depend on forecasts, but ensure that what to be done are adequately planned and information among firms in the supply chain are properly exchanged. This makes the model not to be risky and ensure doing more than what has already been planned is avoided. Therefore, the aim of the responsive model which also known as Pull Model is to eliminate reliance on forecast.  

The major reason the Responsive Model has become popular in supply chain collaborations is that it allows for the customization of products on smaller orders by customers.  However, the Anticipatory Model does not give customers any choice or power but to buy or not buy.

Response-based strategy is the process of achieving positive change by changing the current state of affairs, perception of viewers in a good business understanding, enabling the company to execute its policy smoothly.

Why is a responsive supply chain important?

Because it enables manufacturers to reduce risk (the best performance of a provider saves costs and schedules online inefficient suppliers can be seen and managed).

The main difference between the anticipatory and response-based business models is:

In response-based business models predicting or anticipating consumer buying trends are eliminated by exchanging information between the parties involved in the supply chain.

In the anticipatory business model, business operators share information to improve the efficiency and accuracy of supply chain operations.

To clarify, managers can exchange information to predict future buying trends accurately or complete forecasts, thus coming up with the required amount of inventory to supply the market.

The development of information technology has been the result of an increase in the transition from an anticipatory business model to responsive.

This is because all parts of the supply chain can access and exchange information, thus avoiding matching processes.

The response-based model has become popular for supply chain strategy and collaboration due to its ability to help organizations reduce operational costs.

It is possible to share information in the supply chain, thus developing designs to make it easier to eliminate costs associated with asset management.

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Daria, age 28, is very short, has an abnormally small jaw, and her neck has extra folds of skin. She has never ovulated and has underdeveloped breasts. Daria displays the markers of ______ syndrome.

Answers

Answer:

Noonan Syndrome.

Explanation:

Daria displays the markers of Noonan syndrome.

Noonan Syndrome are genetic disorder with different abnormality, it evident since birth in most of cases. Range and severity may vary from person to person. It is caused by pathogenic variants. In 30 percent of infant with Noonan syndrome, may have abnormal opening in septum that divide upper chamber of heart. Noonan syndrome have affected more males than females. It was first reported in 1883.

Treatment of noonan syndrome is depend upon the specific complication of individuals.

Country Furniture Company manufactures furniture at its? Akron, Ohio, factory. Some of its costs from the past year? include:

Depreciation on sales office

?$ ? 9,000

Depreciation on factory equipment

? 16,000

Factory supervisor salary

? 50,500

Sales commissions

? 23,000

Lubricants used in factory equipment

? 3,000

Insurance costs for factory

? 21,000

Wages paid to maintenance workers

? 115,000

Fabric used to upholster furniture

? 10,000

Freightminus?in

?(on raw? materials)
? 3,000

Costs of delivery to customers

? 9,000

Wages paid to
assemblyminus?line

workers
? 155,500

Lumber used to build product

? 82,000

Utilities in factory

? 54,500

Utilities in sales office

? 26,500

Product costs for Country Furniture Company totaled

A.

?$370,000.

Your answer is not correct.

B.

?$486,500.

C.

?$526,500.

D.

?$510,500.

Answers

6969696969696696969696969686

Assume the company is considering investing in a new machine that will increase its fixed costs by $40,500 per year and decrease its variable costs by $9 per unit. Prepare a forecasted contribution margin income statement for 2020 assuming the company purchases this machine.

Answers

Answer:

Explanation:

*Data is incomplete a similar question is attached with the answer and answer is made accordingly.

                                                Hundson Co

                 Forecasted Contribution Margin Income Statement

                          For year ended December 31, 2017

                                                                   $

Sales (9600 x 225)                           2,160,000

Variable Cost (9600 x (180-9))          1,641,600

Contribution Margin                             518,400

Fixed Cost (324,000+40,500)           364,500

Pretax Income                                      153,900

Final answer:

The new machine will increase fixed costs by $40,500 per year, but decrease variable costs by $9 per unit. This will increase the contribution margin per unit, i.e., each unit sold will provide more towards covering fixed costs and profit. The decision may be beneficial if the total savings in variable costs outweigh the increased fixed costs, emphasizing the role of sales volume.

Explanation:

In order to prepare the forecasted contribution margin income statement for 2020, we need further information such as the selling price per unit, the current fixed and variable costs, and the projected sales volume for 2020. However, we can discuss how the new changes will affect the contribution margin.

The machine will add $40,500 to fixed costs per year but will decrease variable costs by $9 per unit. The contribution margin per unit, which is sales price per unit minus variable cost per unit, will increase as a result of lower variable costs associated with each unit. This means each unit sold will contribute more towards covering the fixed costs and towards profit.

Despite the increase in fixed costs due to the machine, the decision might be favorable if the total savings in variable costs exceed the increase in fixed costs (i.e., if $9 times the number of units sold is greater than $40,500), showing the importance of sales volume in this decision.

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What's the present value of $1,700 discounted back 5 years if the appropriate interest rate is 6%, compounded monthly? a. $1,335.95 b. $1,298.14 c. $1,398.97 d. $1,411.57 e. $1,260.33

Answers

Answer:

e. $1,260.33

Explanation:

If the annual rate is 6%, the monthly interest rate 'r' is:

[tex]r= \frac{6\%}{12}=0.5\%[/tex]

The present value 'P' of an investment 'F', discounted at a monthly rate 'r' for a period of 'n' years is:

[tex]P=\frac{F}{(1+r)^{12*n}}[/tex]

If the future value after 5 years at a rate of 0.5% per month is $1,700, the present value is:

[tex]P=\frac{\$1,700}{(1+0.005)^{12*5}}\\P=\$1,260.33[/tex]

The present value is $1,260.33.

A variable annuity is a: A face amount certificate company B management company C fixed unit investment trust D participating unit investment trust

Answers

Answer:

D participating unit investment trust

Explanation:

A variable annuity is a contract between you and an insurance company. It serves as an investment account that may grow on a tax-deferred basis and includes certain insurance features, such as the ability to turn your account into a stream of periodic payments. You purchase a variable annuity contract by making either a single purchase payment or a series of purchase payments.

A variable annuity offers a range of investment options. The value of your contract will vary depending on the performance of the investment options you choose. The investment options for a variable annuity are typically mutual funds that invest in stocks, bonds, money market instruments, or some combination of the three.

1. Determine the utilization and the efficiency for each of these situations: a. A loan processing operation that processes an average of 7 loans per day. The operation has a design capacity of 10 loans per day and an effective capacity of 8 loans per day.

Answers

Answer:

Efficiency is 87.50% and Utilization is 70%

Explanation:

Actual ouput = 7 loans per day

Effective capacity = 8 loans per day

Design capacity = 10 loans per day

Therefore,

Efficiency = actual output÷effective capacity×100%

= 7 ÷ 8 × 100%

Efficiency = 87.50%

Utilization = actual output÷design capacity×100%

= 7 ÷ 10 × 100%

Utilization = 70%

Premium Company makes cardboard boxes. During the most recent accounting period Premium paid $60,000 for raw materials, $48,000 for labor, and $52,000 for overhead costs that were incurred to make boxes. Premium Company started and completed 400,000 boxes. Premium desires to earn a gross margin that is equal to 40% of product cost. Based on this information the selling price per box is: a. $0.40 b. $0.56 c. $0.50 d. $0.70

Answers

Answer:

The correct answer is B.

Explanation:

Giving the following information:

Raw material= $60,000

Direct labor= $48,000

Overhead= $52,000

Premium Company started and completed 400,000 boxes.

First, we need to calculate the total manufacturing cost and unitary cost:

Total cost= Direct material + direct labor + overhead

Total cost= 60,000 + 48,000 + 52,000= 160,000

Unitary cost= 160,000/400,000= $0.4 per box

Now, we can calculate the selling price:

Selling price= Unitary cost*mark up= 0.4*1.40= $0.56

eBay's customers enrich the Web site by giving their reviews after every purchase. These reviews are used by buyers to evaluate the sellers in eBay. eBay also provides special privileges to sellers who have higher ratings. This is an example of ________.
a. value
b. chain
c. extension
d. reverse

Answers

The options are:

A) reverse engineeringB) value chain extensionC) focused strategyD) niche market

Answer:

Value chain extension.

Explanation:

Value chain extension are the steps a company takes to extend the reach of their products to customers, and multiple relationships are built that impacts the bottom line.

In this instance eBay customers write a review after each purchase and the reviews are now used by buyers to evaluate the seller's.

EBay in turn gives special privileges. This is eBay creating an extended value chain in delivering it's products to customers.

Cash Received from Customers—Direct Method

Sales reported on the income statement were $112,000. The accounts receivable balance decreased $10,500 over the year.

Determine the amount of cash received from customers.

Answers

Answer:

The cash received or collected from the customers amounts to $122,500

Explanation:

Cash receipts is the sum of all the cash amounts collected or received from the sale of the goods and on accounts receivable.

Cash received or collected from the customer is computed as:

Cash collected from customer = Sales + Decrease in accounts receivable

where

Sales amounts to $112,000

Decrease in accounts receivable amounts to $10,500

Putting the values above:

= $112,000 + $10,500

= $122,500

Therefore, the cash amounts to $122,500, received from customers.

Brangelina Adoption Agency’s general ledger shows a cash balance of $4,583. The balance of cash in the March-end bank statementis $7,325. The bank statement reveals the following information: checks outstanding of $2,793, bank service fees of $75, and interest earned of $24. Calculate the correct balance of cash at the end-of March.

Answers

Answer:

The correct cash balance is $7,325

Explanation:

When preparing bank reconciliation,some items are added while some are subtracted depending on which balance is started with.

In this case, the cash balance will be started with and adjusted to the correct balance at the end of March

                                                                                                        $

Cash balance as per ledger                                                       4,583

Add: interest earned                                                                    24

Less: Bank service fee                                                                (75)

Adjusted cash balance                                                               4,532

Add back outstanding check                                                      2,793

Correct cash balance as at end of March                                 7,325

Final answer:

To reconcile the Brangelina Adoption Agency's cash balance, various adjustments are made to the bank statement balance, including deducting outstanding checks and service fees and adding interest earned, resulting in an adjusted bank balance of $4,481.

Explanation:

To calculate the correct balance of cash at the end of March for the Brangelina Adoption Agency, we need to reconcile the general ledger balance with the bank statement balance. The reconciliation process includes adjusting the bank statement balance with the outstanding checks, bank service fees, and interest earned.

Bank Statement Balance: $7,325

Less: Checks Outstanding: -$2,793

Less: Bank Service Fees: -$75

Add: Interest Earned: $24

Now we can calculate the adjusted bank balance:

$7,325 (Bank Statement Balance) - $2,793 (Checks Outstanding) - $75 (Bank Service Fees) + $24 (Interest Earned) = $4,481 (Adjusted Bank Balance)

The general ledger shows a cash balance of $4,583. The bank statement adjusted balance is $4,481. There might be a discrepancy due to unrecorded transactions in the general ledger or bank statement. However, based on the information given, the correct cash balance at the end of March would be $4,481.

Robertson Properties, a large commercial property management firm, orders cleaning supplies directly from the manufacturer of those products. This purchase is part of the _______ market. a. business-to-consumer b. business-to-business c. competitive consumer

Answers

Answer:

The correct answer is letter "B": business-to-business.

Explanation:

Business-to-business (B2B) transactions are those held among companies. These relationships are typically seen in supply chains where one company depends on another or simply when a company needs services from other entity that is actually not a final user of the products the company is dedicated to offering.

Answer: B. Business-to-business

Explanation: Business-to-business (B2B or B to B) markets are those that involve trades and transactions between businesses, businesses rather than between a business and individuals or governments as the case may be. By ordering supplies to be utilized in the management business of Robertson Properties shows that it is a transaction between two business. B2B markets encompasses transactions between manufacturer and wholesaler, or a wholesaler and a retailer. B2B markets are mostly common common in a typical supply chain, automobile industries, manufacturing, service providers etc.

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