In previous eras, it was almost impossible for women and minorities in the United States to get loans from banks and other financial institutions. Which of these was created to help eliminate this discrimination?

A.
Internal Revenue Service (IRS)

B.
Fair Credit Reporting Act (FCA)

C.
Factual Credit Reward Act (FCRA)

D.
Equal Credit Opportunity Act (ECOA)

Answer:

I don't do business but I think it would be to a

The primary reason as to why the business owners make investments and take risks in a private enterprise system is to make a profit. Therefore, the option A holds true.

A profit making activity can be referred to or considered as an activity that is conducted by an individual or an organization, where the primary motive of such activity is to ensure profits by using the factors of production as such.

Apart from a non-profit organization, all the other businesses and enterprises conduct business activities in the regular course of conduct, because business is a profit-making activity throughout the period of its existence.

Therefore, the option A holds true and states regarding the significance of a profit-making activity.

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The message in the given blog post is effective, as this is a friendly reminder about the working time.

So a shift starts from 7:30 am to 5:00 pm and there is a break time between 12:00 pm to 12:45 pm for lunch and other business. In order to facilitate the accuracy of time record and thus improve the fairness in a working environment, a camera will be installed which will moniter the employees. So, this is effective.

So if anyone is late for work more than three times, there will be a penalty. Thus, from following Monday the new cameras are installed for improving the checking time for working of all workers. This is the message given in the blog post.

Hence, such guidelines are to be followed.

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Answer: C. Your customization ability decreases.

Explanation:

Job Shops are able to customize products and services because they manufacture products on a small scale and usually for individual job orders whereas continuous processing is more large scale and the products are more homogeneous.

As one move from a job shop to a continuous process, they will find that they would be unable to customize products as much as they could before because they would be producing a higher volume of goods and so would not have the time to be customizing the products as much.

The most logical place to store financial records is a computer file.

Each provided solution is useful to store one's records and personal data but there are merits and demerits to them.

Such as, a home file is a place to store data and it is easily accessible. However, it would be difficult to organize data at a home file and would also be time-consuming. Moreover, only limited data can be kept stored, as over time more space would be required so old data would be discarded.

In the case of a safe deposit box, which is also a secure place to store, the main issue is that it would be costly in comparison to the other options.

The computer file is easy to maintain and financial records can be kept well organized without the need to delete old data, as it hardly consumes any storage. And it would be less costly in comparison to the safe deposit box.

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Answer:

B. a home file

Explanation:

I took the quiz and this was the correct answer.

Answer:

1. Company: Apple

The brand promise of Apple is to provide cutting-edge, usable technological products that improve people's lives. Apple does this through emphasising design, quality, and usability as well as the development of an ecosystem of connected devices and services. Apple also reinforces its brand promise and forges an emotional bond with its customers through its advertising campaigns and physical locations.

2.Company type:  Natural medicines and organic supplements are sold by a health and wellness firm.

a. A variety of natural cures and supplements, including vitamins, herbs, and goods for alternative medicine would be sold by the firm.

b. Target client categories might be categorised according to their lifestyle choices and health requirements. For instance, one group would be those seeking immune system support vitamins, while another might be those seeking natural treatments for stress and anxiety.

c. The company may choose to differentiate between these two groups of clients by making tailored advice and offers based on their individual health requirements and concerns. For instance, the business may give the first group a discount on immune-boosting vitamins and the second group a discount on items that reduce stress. This strategy would demonstrate the company's commitment to offering individualised solutions and concern for its clients' specific health issues.

d. If the company discriminates against consumers based on their health issues, gender, age, or other variables, the sort of channel management mentioned above might possibly result in unjust treatment of some groups.

3. a. When determining how much inventory to keep on hand of a specific item, factors to take into account include past sales data, consumer demand trends, seasonality, and supplier availability.

b. If I owned a supermarket or clothes business, I would choose the Just-in-Time (JIT) purchasing strategy. When you just-in-time (JIT) buy inventory, you just buy what you need and pay less for extra inventory and storage space.

c. The ABC inventory system, which classifies items based on their worth and consumption rate, is one inventory control strategy that I would want to utilise.

d. Organic tea and honey are an example of two goods that might be mixed in a retail display. Several types of tea and honey, as well as informational materials on the health advantages of ingesting them together, might be on show.

4. The height and placement of the desk and chair, the location of the computer monitor and keyboard, the lighting and glare in the workspace, the distance between the employee and their equipment, the amount of physical effort needed to perform tasks.

Answer:

Zhang Industries

The Budgeted selling expense for the manger for the month ended June 30 is:

= $8,768.

Explanation:

a) Data and Calculations:

Selling price per unit = $700

Unit sales for May = 400

Expected growth of unit sales each month = 3%

Unit sales for June = 412 (400 * 1.03)

Sales revenue for June = $288,400 ($700 * 412)

Monthly sales salary to the sales manager = $3,000

Monthly sales commission = 2% of sales

Budgeted selling expense for the manger for the month ended June 30:

Monthly sales salary to the sales manager = $3,000

Monthly sales commission = 2% of sales         5,768 ($288,400 * 2%)

Total selling expense for the month =           $8,768

Answer:

Explanation:

Opportunity Costs for going to college

1. Cost of college tuition

2. Loss of income for getting a job right away instead of going to college

3. Time spend at college could be used of something else such as a hobby

Benefits for going to College

1. Getting a job with a higher salary

2. More job opportunities being available (i.e. jobs that require you be attending college or already have college degree)

3. Life experience you may gain attending college (such as mentoring from professors, joining clubs, etc.)

Josh will collect $3600 in interest if he keeps the $8000 10-year bond with a 4.5% coupon rate to maturity.

To calculate the interest that Josh will collect from the 10-year bond with an $8000 face value and a coupon rate of 4.5%, we need to consider the annual interest payment and the total number of interest payments over the bond's lifespan.

The annual interest payment can be calculated by multiplying the face value of the bond ($8000) by the coupon rate (4.5%). This gives us an annual interest payment of $360 (8000 * 0.045).

Since the bond has a 10-year maturity, there will be a total of 10 interest payments over its lifespan. Therefore, the total interest Josh will collect can be calculated by multiplying the annual interest payment ($360) by the number of interest payments (10).

Total interest = Annual interest payment * Number of interest payments

Total interest = $360 * 10

Total interest = $3600

Therefore, if Josh keeps the bond to maturity, he will collect a total of $3600 in interest over the 10-year period.

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Answer:

The cash ratio is calculated by dividing cash and short-term investments by current liabilities.

Cash ratio for 2019 = (53,500 + 29,000) / 235,000 = 0.39

Rounding to two decimal places, the 2019 cash ratio is 0.39.

Explanation:

Answer:

1) Determine the machine's second-year depreciation and year end book value under the straight-line method.

depreciation expense per year = (purchase cost - salvage value) / useful life

depreciation expense per year = ($84,200 - $7,000) / 10 = $7,720

book value at the end of year 2 = $84,200 - ($7,720 x 2) = $68,760

2) Determine the machine's second-year depreciation using the double-declining-balance method.

depreciation year 1 = 2 x 1/10 x $84,200 = $16,840

depreciation year 2 = 2 x 1/10 x $67,360 = $13,472

book value at end of year 2 = $67,360 - $13,472 = $53,888

Answer:

Explanation:

(1) Journalizing the Transactions:-

Heritage Designs

General Journal

For the Month of November,20Y9

Date            Accounts             Debit                Credit

Nov. 1            Cash                   $50,000

                          Common Stock                          $50,000

Nov. 1             Rent Expense     $4,000  

                           Cash                                           $4,000

Nov. 6            Office Equipment    $15,000  

                          Accounts Payable                   $15,000

Nov. 8            Truck                      $38,500  

                           Cash                                            $5,000

                           Notes Payable                           $33,500

Nov. 10             Supplies              $1,750  

                           Cash                                            $1,750

Nov. 12             Cash                     $11,500  

                            Fees Earned                            $11,500

Nov. 15           Prepaid Insurance     $2,400  

                           Cash                                             $2,400

Nov. 23           Accounts Receivable  $22,300  

                         Fees Earned                                    $22,300

Nov. 24            Truck Expense         $1,250  

                            Cash                                            $1,250

Nov. 29          Utilities Expense           $4,500  

                              Cash                                    $4,500

Nov. 29   Miscellaneous Expense      $1,000  

                               Cash                                                   $1,000

Nov. 30                Cash                  $9,000  

                         Accounts Receivable                                $9,000

Nov. 30          Wages Expense              $6,800  

                                 Cash                                                 $6,800

Nov. 30             Accounts Payable         $3,000  

                                   Cash                                            $3,000

Nov. 30                  Dividends                   $2,500  

                                    Cash                                            $2,500

(2) Posting the each Transaction into General Ledger:-

Cash

Date               Items                   Debit                 Credit                Balance

Nov. 1 Common Stock  $50,000                         $50,000

Nov. 1 Rent Expense                                $4,000        $46,000

Nov. 8 Truck                                        $5,000             $41,000

Nov. 10 Supplies                                        $1,750              $39,250

Nov. 12 Fees Earned           $11,500                                 $50,750

Nov. 15 Prepaid Insurance                        $2,400        $48,350

Nov. 24 Truck Expense                        $1,250              $47,100

Nov. 29 Utilities Expense                        $4,500             $42,600

Nov. 29 Miscellaneous Expense               $1,000              $41,600

Nov. 30 Accounts Receivable   $9,000                                 $50,600

Nov. 30 Wages Expense                        $6,800              $43,800

Nov. 30 Accounts Payable                        $3,000              $40,800

Nov. 30 Dividends                                $2,500              $38,300

Accounts Receivable

Date    Items               Debit                      Credit               Balance

Nov. 23 Fees Earned    $22,300                                   $22,300

Nov. 30 Cash                                         $9,000        $13,300

Supplies

Date    Items               Debit                      Credit               Balance

Nov. 10   Cash              $1,750                                $1,750

Prepaid Insurance

Date    Items               Debit                      Credit               Balance

Nov. 15    Cash               $2,400                                 $2,400

Equipment

Date    Items               Debit                      Credit               Balance

Nov. 6 Accounts Payable $15,000                              $15,000

Truck

Date    Items               Debit                      Credit               Balance

Nov. 8 Cash               $5,000                              $5,000

Nov. 8 Notes Payable $33,500                              $38,500

Notes Payable

Date    Items               Debit                      Credit               Balance

Nov. 8 Truck                                      $33,500          $33,500

Accounts Payable

Date    Items               Debit                      Credit               Balance

Nov. 6 Equipment                             $15,000           $15,000

Nov. 30 Cash               $3,000                                          $12,000

Common Stock

Date    Items               Debit                      Credit               Balance

Nov. 1 Cash                                     $50,000    $50,000

Dividends

Answer: the answer is : What problems are most likely to happen?

Explanation:

Answer:

b

Explanation:

Answer:

Premium

Explanation:

premium is the term used to describe payment made for insurance coverage. Premiums are paid by the policyholder to the insurance company. It is the insurance company that determines how much premiums the insured will be paying. Premiums are paid every end month, bi-weekly, monthly, or yearly as stated in the policy document. In other words, premium is the cost of insurance.

Answer:

Allison can maximize her tax benefits by taking the Lifetime Learning Credit which results in a $300 tax credit.

Explanation:

Education credit:

Allison doesn't qualify for the American Opportunity Tax Credit (AOTC) since that only covers the first four years of college and even if she never attended college before, she would need to be enrolled at least half time.

She qualifies for the Lifetime Learning Credit (LLC) but it only covers 20% of the first $10,000 of expenses, in this case = $1,500 x 20% = $300 benefit

Tuition and fees deduction:

Allison can deduct $1,500 from her gross income = $1,500 x 15% tax rate = $225 benefit

The value that the land should be recorded at in Easy Repair Service's records as a result of the land being priced for sale and being assessed for tax purposes, is the original cost of $150, 000.

When it comes to recording the value of land, the Cost concept principle applies which is that the land should be recorded at the original cost. This is because land is a fixed asset that does not lose value and might instead increase in value. To avoid confusion, land is then recorded at its original cost.

This original cost is the price that a company or individual acquired the land from the previous owner. In this case, Easy Repair Service accepted a seller offer of $150, 000. This is therefore the value of the land and what the land should be recorded at in Easy Repair Service's records.

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Beverly Mills has three leasing options to choose from. Each of these options differs in terms of the monthly cost, the total mileage allowance, and the cost for any miles over the set mileage allowance. Depending on her driving patterns, Beverly Mills can select the option that suits her the best.

Beverly Mills decided to lease a hybrid car to save on gasoline expenses and to do her part to help keep the environment clean. The car she selected is available from only one dealer in the local area, but that dealer has several leasing options to accommodate a variety of driving patterns.All the leases are for 3 years and require no money at the time of signing the lease.

The three lease options available to Beverly Mills are as follows:

Option 1:Monthly cost: $330Total mileage allowance: 36,000 miles (an average of 12,000 miles per year)Cost for any miles over 36,000: $0.35 per mile

Option 2:Monthly cost: $460Total mileage allowance: 45,000 miles (an average of 15,000 miles per year)Cost for any miles over 45,000: $0.45 per mile

Option 3:Monthly cost: $540Total mileage allowance: 60,000 miles (an average of 20,000 miles per year)Cost for any miles over 60,000: $0.55 per mile

Therefore, Beverly Mills has three leasing options to choose from. Each of these options differs in terms of the monthly cost, the total mileage allowance, and the cost for any miles over the set mileage allowance. Depending on her driving patterns, Beverly Mills can select the option that suits her the best.

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The process of allocating funds to projects and investments involves several important steps, including analysis, selection, and monitoring. By following these steps, organizations can make informed decisions about where to invest their resources and ensure that their investments are delivering the expected returns.

The process of allocating funds to projects and investments involves several important steps, including analysis, selection, monitoring, and evaluating performance. Here are explanations of three of these steps:

Analysis: This step involves gathering and analyzing information about potential projects and investments to determine whether they are financially viable and aligned with the organization's goals and objectives. This includes conducting market research, analyzing financial statements and projections, assessing risks, and identifying potential barriers to success. The analysis phase helps decision-makers to make informed choices about which projects and investments to pursue.

Selection: Once potential projects and investments have been analyzed, the next step is to select the most promising ones. This involves using the information gathered during the analysis phase to compare options and choose the projects and investments that are most likely to provide the greatest returns on investment. The selection process may involve developing criteria for evaluating potential options, ranking them based on their financial potential, and weighing the costs and benefits of each option.

Monitoring: Once projects and investments have been selected and funded, it is important to monitor their progress and performance over time. This involves regularly reviewing financial and operational data to identify any potential issues or risks, and taking action to address them. Monitoring can help decision-makers to stay informed about the status of their investments, identify opportunities for improvement, and make adjustments to their funding strategies as needed.

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The factor that is not a relevant factor in computing depreciation is: market value.

Market value can be defined as the value at which an assets will be sold in the market.

All the following factor listed above above are relevant or important when calculating depreciation which can be defined as the wear and tear of an assets.

Inconclusion the factor that is not a relevant factor in computing depreciation is: market value.

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The US Senate passed the 2022 Defense Authorization Act, a $768 billion bill that surpasses the Biden administration's defense spending proposal by $25 billion and represents a 5% increase in the US defense budget compared to the previous year.

1. The US Senate passed the 2022 Defense Authorization Act.

2. The Defense Authorization Act is a bill that determines the budget and expenditures for the US defense sector.

3. The total amount allocated for the Defense Authorization Act is $768 billion.

4. The defense spending proposed by the Biden administration was exceeded by $25 billion in this Act.

5. The Act represents a 5% increase in the US defense budget when compared to the previous year.

6. This increase in the defense budget indicates a commitment to strengthening the country's defense capabilities.

7. The Act was passed overwhelmingly, indicating strong support from the Senate.

8. The Defense Authorization Act is an essential piece of legislation that ensures the funding and resources necessary for the US military to carry out its operations effectively.

9. The Act covers various aspects of defense spending, including military personnel, equipment, research and development, and strategic initiatives.

10. By passing the Defense Authorization Act, the US Senate has demonstrated its commitment to national security and defense preparedness.

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Answer: $654.04

Explanation:

We are given loan payments of $700 due three months ago and $1000 due today and we are to find the amount of the final payment to be paid by the borrower. Let the amount of the final payment be x.

The borrower is supposed to make a payment of $800 in two months from now. We need to determine the value of the final payment x such that all payments are settled.

To solve this problem, we use the time value of money formula. The formula is:

PV = FV / (1 + r)t

Where PV is the present value, FV is the future value, r is the interest rate, and t is the period.

We can write down the following equations based on the information given:

700/(1+0.09)^8 + 1000/(1+0.09)^5 + 800/(1+0.09)^3 + x/(1+0.09)^0 = 0

Simplifying the above equation we get:

x = $654.04

Therefore, the amount of the final payment will be $654.04.

Answer: it is great

Explanation:

Answer:

Time management is when you use your time wisely to complete certain tasks.

Explanation:

If you manage your time wisely, you will get more work done. Not managing your time will result in incomplete tasks.

The correct way the entrepreneurs can work are-

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Answer:

d

Explanation:

dddddddddddddddddddddddddddddddddddddddddddddddddd

Answer: $‭20,455.66

Explanation:

These are fixed payments per year so it is an annuity.

The present value annuity factor for a discount rate of 10% and 6 years duration is 4.3553.

The present value of the investment is therefore;

= 65,000 * 4.3553

= $283,094.5‬0

The special payment in 2 years from today will be;

Special payment = future value of difference between investment amount and investment present value

= (300,000 - 283,094.5‬0) * ( 1 + 10%)^2

= $‭20,455.66

If the marginal costs of abatement for polluter 1 become equal to polluter 2, it does not impact the socially efficient level of pollution. The level is still determined by equating Marginal Damage with the Aggregate MAC.

To graph each function, we can plot MAC1 and MAC2 on a graph with the quantity of emissions (E) on the x-axis and the marginal abatement cost (MAC) on the y-axis.

For MAC1: MAC1 = 100 - 10E

For MAC2: MAC2 = 50 - 10E

To compute the aggregate MAC curve, we add the individual MAC curves together. So, Aggregate MAC = MAC1 + MAC2.

Aggregate MAC = (100 - 10E) + (50 - 10E) = 150 - 20E

Now, let's calculate the socially efficient equilibrium by setting the Marginal Damage (MD) equal to the Aggregate MAC.

MD = Aggregate MAC

30E = 150 - 20E

Simplifying the equation, we get:

50E = 150

E = 3

Therefore, the socially efficient equilibrium occurs when the quantity of emissions (E) is 3.

Now, let's calculate the net social costs of the policy when the government sets the pollution level at four units.

Net social costs = Aggregate MAC - MD

Net social costs = (150 - 20(4)) - (30(4))

Net social costs = 110 - 120

Net social costs = -10

The net social costs of this policy would be -10, indicating a net benefit to society.

If a technological change occurs that reduces the marginal costs of abatement for polluter 1 to that of polluter 2, it means that MAC1 will become equal to MAC2.

Setting MAC1 equal to MAC2:

100 - 10E = 50 - 10E

Simplifying the equation, we find that E can have any value, as both sides are equal.

Graphically, this change would mean that MAC1 and MAC2 become parallel lines on the graph, with the same slope and intercept. The socially efficient level of pollution would still be determined by equating MD with the aggregate MAC.

In conclusion, if the marginal costs of abatement for polluter 1 become equal to polluter 2, it does not affect the socially efficient level of pollution. The socially efficient level is still determined by equating the Marginal Damage with the Aggregate MAC, regardless of the marginal costs of individual polluters.

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To calculate the Profit per Lube for Shop B, we need to determine the total profit made from each oil change and then divide it by the amount of oil used.

First, we need to find the total oil gross profit for Shop B. We know that Shop B charges $275.00 for an oil change and has a gross oil profit percent of 28.4%. This means the gross oil profit is calculated as a percentage of the total price.

Gross oil profit for Shop B = 28.4% of $275.00

                                = (28.4/100) * $275.00

                                = $78.10

Next, we need to calculate the amount of oil used for each oil change. We are given that both shops pay $21.25 per gallon of oil.

Amount of oil used for each oil change = $275.00 / $21.25 per gallon

                                                     = 12.94 gallons (rounded to two decimal places)

Finally, we can calculate the Profit per Lube for Shop B by dividing the total oil gross profit by the amount of oil used.

Profit per Lube for Shop B = Gross oil profit for Shop B / Amount of oil used

                                       = $78.10 / 12.94 gallons

                                       ≈ $6.03 per gallon

Therefore, the Profit per Lube for Shop B is approximately $6.03 per gallon.

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The Micro-soft is a vendor who will provides the services of productivity apps which are usable anywhere and also enable distributed teams to work together.

Micro-soft is a developer of popular software systems and applications. most especially the Windows

Some of the productivity apps offered by Micro-soft includes:

In conclusion, the Micro-soft is a vendor who will provides the services of productivity apps which are usable anywhere and also enable distributed teams to work together.

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