Answer:
Two functions of MBBS doctors are diagnosing and treating medical conditions and providing preventive care. Diagnosing and treating medical conditions involves using medical history, physical examinations, lab tests, and other diagnostic procedures to identify and treat illnesses, diseases, and injuries. Preventive care includes providing advice about healthy lifestyle choices, such as diet, exercise, and stress management, as well as providing immunizations, screenings, and other preventive measures.
Explanation:
Some companies require multiple interviews as part of their hiring processes.
True
False
i hope it helps
Not all industries and not all firms have sufferedequally during COVID-19. Find two industries: one that suffered tremendously and one that suffered less. Then find two firm within each other of the two industries: one
that suffered tremendously and one that improved performance (total of four firms). Investigate what are behind their performance differences.
Wide-ranging effects on company turnover between and within "high-contact" industries, including wholesale and retail, transportation and storage.
What sectors of the economy were unaffected by COVID?Administrative and waste management services and professional, scientific, and managerial services are the other two areas that COVID-19 has least of an impact on. Real estate, finance & insurance, and rental & leasing.
What impact has COVID-19 had on the business field sector?During the coronavirus pandemic in 2020, 6.0 percent of businesses cancelled, 9.7 percent postponed, 8.2 percent lowered, and 1.5 percent increased part of their anticipated capital expenditures. A total of 1.7 percent of businesses made new, unplanned capital investments.
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Congressman Brown supports pre-existing conditions protections introduced by the Affordable Care Act. These protections force insurers to cover health problems arising from pre-existing conditions, and forbid them from charging people with such health conditions higher prices for insurance. However he opposes the subsidies since they are too costly for the government. He supports repealing the ACA and re- introducing pre-existing condition protection using new legislation. What do you think might happen if he was successful?
Answer:
Health insurance providers can't deny benefits or bill extra for pre-existing illnesses underneath the Affordable Care Act. If you have a pre-existing disability, you will also purchase life insurance from certain providers, but your premiums will be greater and your disability payments will be smaller.
If he is good, the exemption for policies will be eliminated, as well as the extra amount that insurers may have been entitled to charge from policyholders. This might be very useful to both the government and the policyholders.
You are given the following information concerning Parrothead Enterprises: Debt: 9,300 7.4 percent coupon bonds outstanding, with 21 years to maturity and a quoted price of 108.75. These bonds have a par value of $2,000 and pay interest semiannually. Common stock: 320,000 shares of common stock selling for $66.40 per share. The stock has a beta of 1.09 and will pay a dividend of $4.60 next year. The dividend is expected to grow by 5.4 percent per year indefinitely. Preferred stock: 9,900 shares of 4.70 percent preferred stock selling at $95.90 per share. Market: 10.1 percent expected return, a risk-free rate of 4.55 percent, and a 24 percent tax rate. What is the firm's cost of each form of financing
Answer:
a. Cost of debt = 5.03%.
b. Cost of equity = 11.47%
c. Cost of preferred stock = 4.90%
Explanation:
a. Calculation of cost of debt
The bond's Yield to Maturity is the before tax cost of debt and it can be calculated using the following RATE function in Excel:
YTM = RATE(nper,pmt,-pv,fv) * 2 .............(1)
Where;
YTM = yield to maturity = ?
nper = number of periods = number of semiannuals to maturity = Number of years * Number of semiannuals in a year = 21 * 2 = 42
r = semiannual coupon rate = Annual coupon rate / 2 = 7.4% / 2 = 0.074 / 2 = 0.037
pmt = semiannual coupon payment = semiannual coupon rate * Face value = 0.037 * $2,000 = $74 = 74
pv = present value = quoted bond price = 108.75% * fv = 108.75% * 2000 = 2,175 = 2175
fv = face value or par value of the bond = 2000
Substituting the values into equation (1), we have:
YTM = RATE(42,74,-2175,2000) * 2 ............ (2)
Inputting =RATE(42,74,-2175,2000)*2 into excel (Note: as done in the attached excel file), the YTM is obtained as 6.62%.
Therefore, we have:
After tax cost of debt = YTM * (100% - Tax rate) = 6.62% * (100% - 24%) = 5.03%
Therefore, cost of debt is 5.03%.
b. Calculation of cost of equity
Based on the information in the question, the return on equity can be calculated using the dividend discount model and capital asset pricing model (CAPM) formulae.
b-1. Using the dividend discount model formula, we have:
P = D1 / (r – g) ………………………. (3)
Where:
P = Common stock selling price per share = $66.40
D1 = Next year dividend = $4.60
r = return on equity = ?
g = dividend growth rate = 5.4%, or 0.054
Substituting the value into equation (3) and solve for r, we have:
66.40 = 4.60 / (r – 0.054)
66.40(r – 0.054) = 4.60
66.40r - 3.5856 = 4.60
66.40r = 4.60 + 3.5856
66.40r = 8.1856
r = 8.1856 / 66.40
r = 0.1233, or 12.33%
b-2. Using CAMP formula, cost of equity can be calculated as follows:
Return on equity = Risk free rate + Stock beta(Expected return – Risk free rate) = 4.55% + (1.09 * (10.1% - 4.55%)) = 10.60%
b-3. The cost of equity can therefore be calculated as the average of the returns of equity from the two formulae is as follows:
Cost of equity = (12.33% + 10.60%) / 2 = 11.47%
c. Calculation of cost preferred stock
Note that since the preferred stock selling price per share is $95.90, it indicates that it par value is $100 and is being sold at a discount. Therefore, we have:
Cost of preferred stock = (Preferred stock dividend rate * Preferred stock par value) / Preferred stock selling price per share = (4.70% * 100) / 95.90 = 0.0490, or 4.90%
Liu Inc. is considering whether to continue to make a component or to buy it from an outside supplier. The company uses 14,000 of the components each year. The unit product cost of the component according to the company's cost accounting system is given as follows:
Assume that direct labor is a variable cost. Of the fixed manufacturing overhead, 40% is avoidable if the components were bought from the outside supplier. In addition, making one component uses 1 minute on the machine that is the company's current constraint. If the components were bought, this machine time would be freed up for use on another product that requires 2 minutes on the constraining machine and that has a contribution margin of $5.00 per unit.
When deciding whether to make or buy the component, what cost of making the component should be compared to the price of buying the component?
a. $24.05.
b. $21.25.
c. $18.53.
d. $21.33.
Answer:
Liu Inc.
In deciding whether to make or buy the component, the cost of making the component that should be compared to the price of buying it is:
= $21.71.
Explanation:
a) Data and Calculations:
Make Buy
Units of components required 14,000 14,000
Direct materials $9.60
Direct labor 6.70
Variable manufacturing overhead 1.55
Fixed manufacturing overhead 3.40
Unit product cost $21.25
Unavoidable fixed overhead (2.04) ($3.40 * 1 - 0.4)
Opportunity cost per unit 2.50 ($5.00/2)
Total avoidable cost per unit $21.71
Direct materials $9.60
Direct labor 6.70
Variable manufacturing overhead 1.55
Avoidable Fixed manufacturing overhead 1.36
Unit product cost $19.21
Opportunity cost per unit 2.50 ($5.00/2)
Total avoidable cost per unit $21.71
A team member complains to the project manager that another team member has once again failed to provide necessary information. The project manager meets with both team members to uncover the reason for the problem. This is an example of:__________.
Answer:
Conflict Management / Resolution
Explanation:
Conflict Management is a process of resolving disputes and finding positive solutions towards achieving the common goal. In this example, one team members has failed to provide information again, meaning that issue has been persistent and the Manager meeting both members to find out the reason of this behavior comes under conflict resolution aspect of team leader.
Do you think it is right for government to raise taxes to cut the deficit? Discuss why you choose the answer that you have chosen and also discuss other measures government can use to eliminate the deficit.
Answer:
It is right
A deficit occurs when government spending exceeds its revenue. The goal when there is a deficit is to increase revenue. One wat of doing this is to increase taxes. Increasing taxes would increase the income that accrues to the government.
Another measure of eliminating deficit is to reduce the spending by the government. Reducing government spending would reduce the amount of deficit
Explanation:
A tax is a compulsory sum levied by the government on certain goods and services
3.Let us assume that President Joe Biden of USA has decided to decrease tax to improve investment in US. Discuss the impact of this policy on the real exchange rate and net export of Ethiopian economy and use the appropriate graphical analysis.
Answer:
Explanation:
The impact of President Joe Biden's decision to decrease taxes in order to improve investment in the United States on the real exchange rate and net export of the Ethiopian economy would depend on a number of factors, including the specific details of the tax policy and the current state of the Ethiopian economy.
In general, a decrease in taxes in the United States could lead to an increase in investment in the country, which could lead to an increase in the demand for goods and services and a corresponding increase in economic growth. This could lead to an appreciation of the U.S. dollar relative to other currencies, including the Ethiopian birr. This means the relative price of US goods and services will be cheaper than the Ethiopian goods and services.
An appreciation of the U.S. dollar can lead to a decrease in the competitiveness of Ethiopian exports in the global market, leading to a decrease in the net export of the Ethiopian economy. Graphically this can be represented by a shift of the net export curve to the left, meaning that the net export of the Ethiopian economy will decrease.
On the other hand, this policy could also lead to an increase in the inflow of foreign capital into Ethiopia as well, which could lead to an appreciation of the Ethiopian birr relative to other currencies. This means the relative price of Ethiopian goods and services will be cheaper than the US goods and services. This could increase the competitiveness of Ethiopian exports and lead to an increase in net exports for the Ethiopian economy. However, this increase could be more limited than the decrease in net exports as a result of the appreciation of the US dollar.
It's important to note that these are general impacts and there can be a number of other factors that would come into play that would determine the ultimate impact on the Ethiopian economy, such as the effectiveness of the Ethiopian government's monetary policy, the inflation rate, and the external trade policies.
As a manger, it is important to determine what is driving the success of a project or product. What factors could lead to failure, what situations would be detrimental, what kind of loss is expected.
a. True
b. False
Answer:
True
Explanation:
A project manager has the responsibility of completing the project on time and deliver the project with due diligence. Hence, he/she is required to determine all the factors hindering the timely completion of project or affecting the qualitative delivery. Thus, a manger will study about factors that could affect the project both positively and negatively.
According to O*NET, what are common skills needed by Psychiatrists? Check all that apply.
social perceptiveness
operation monitoring
speaking
active listening
troubleshooting
equipment selection
According to O*NET, the common skills that is needed by Psychiatrists are:
a. Social perceptiveness
c. Speaking
d. Active listening
Who is a Psychiatrists?A Psychiatrists can be defined as the person whose job is to treat people with mental disorder and to always create awareness about the preventive measure people should make use of so as to prevent mental disorder as by doing this will help to reduce the rate of people with mental disorder.
A Psychiatrists should tend to possess social perceptiveness skills as this will enables him/her to know the reaction of people including the reason why people react or act they way they does.
A Psychiatrists should as well possess speaking skills as well as active listening as this can help to lead to effective communication between the Psychiatrists and the patient. This will enables the patients to pay full attention to what Psychiatrists is communicating to them.
Therefore the correct option are A, C, D.
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Answer:
Explanation:
acd
what are 3 important parts of budgets that you need to know each month
Holmes, Inc., has offered $482 million cash for all of the common stock in Watson Corporation. Based on recent market information, Watson is worth $454 million as an independent operation. If the merger makes economic sense for Holmes, what is the minimum estimated value of the synergistic benefits from the merger? (Enter your answer in dollars, not millions of dollars, e.g., 1,234,567. Do not round intermediate calculations and round your answer to the nearest whole number, e.g., 32.)
Answer:
$28 million
Explanation:
Calculation to determine the minimum estimated value of the synergistic benefits from the merger
Using this formula
Minimum estimated value of synergistic benefits=Cash-Value
Let plug in the formula
Minimum estimated value of synergistic benefits =$482 million-$454 million
Minimum estimated value of synergistic benefits=$28 million
Therefore the minimum estimated value of the synergistic benefits from the merger is $28 million
3. You should always make sure you have a...
Credit card
Direct deposit
Credit line
Budget
You must therefore make sure we have a budget, goes their suggested remark.
What makes it a budget?Budgeting comes derived from this same Old French word bougette, which means "small sack." The British treasurer of the Exchequer is referred to as "opening" his budget, or basket of documentation and accounts, when he presents his yearly financial statement.
Who created the budget?James Wilson delivered a first Indian Budget dated February 18, 1869. Wilson founded The Economist and served as the economic representative of the India Council, which provided advice to the viceroy of India. Karl Marx referred him Wilson as a "economical mandarin of great standing."
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Which of the following generally includes a Tally column? a. bar graph, b. pie chart, c. frequency distribution, d. range
Answer:
C. frequency distribution is the answer.
Explanation:
What is one teneit of continuingyour education after graduating high
OA Agerson with a high school degree can enter the job market and
slant eamingimone immediately
OB A person with a college degree typically eans more than someone
with ahigh schaa degree cover time.
C. Aperson with a high school degree tpically eams more than
somesne with a college degree over time.
D. Aperson who goes on to exam a college degres will have to pay the
full cassts of going to college
Over time, a person with a college degree usually has higher value than someone with only a high school diploma. As a result, choice (B) is the best way to respond.
What is Graduation?When a student graduates, their educational institution presents them with a diploma. Additionally, it can be referring to the connected ceremony. Graduation day is the term used to refer to the day of the ceremony. Commencement, congregation, convocation, or invocation are other names for the graduation ceremony.
Graduation in absentia occurs when a student receives their diploma without actually being present at the ceremony.
Hence, option (B) is accurate.
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Assume the following information appears in the standard cost card for a company that makes only one product: Standard Quantity or Hours Standard Price or Rate Standard Cost Direct materials 5 pounds $ 11.00 per pound $ 55.00 Direct labor 2 hours $ 17.00 per hour $ 34.00 Variable manufacturing overhead 2 hours $ 3.00 per hour $ 6.00 During the most recent period, the following additional information was available: 20,000 pounds of material was purchased. The materials price variance was $10,000 F. All of the material that was purchased was used to produce 3,900 units. 8,000 direct labor-hours were recorded at a total cost of $132,000. What is the actual price per pound of materials
Answer:
Actual price= $10.5 per pound
Explanation:
To calculate the actual price per pound of material, we need to use the following formula:
Direct material price variance= (standard price - actual price)*actual quantity
10,000= (11 - actual price)*20,000
10,000= 220,000 - 20,000actual price
20,000actual price= 210,000
actual price= $10.5
5. When are government intervention or government regulations beneficial to consumers?
O when they impose regulations on businesses that limit profits
O when they limit consumer choices by regulating goods sold by private firms
O when they limit the number of businesses permitted to open and sell goods to consumers
O when they impose safety regulations that determine how bicycle helmets are manufactured
They impose regulations on businesses that limit profits as the government intervention or government regulations beneficial to consumers. Thus, option (a) is correct.
What is government?The term “government” refers to the legal authority of the country. The government manages to control, command, and handle the country. The government's first priority is to ensure citizens are safe in the country.
According to the rule of the government was the based on the share the profit to the government as per the taxes. The business was the developed to pay the tax to the government to the set as limit of the profit.
As a result, the regulation as the limit of the profit as the set. Therefore, option (a) is correct.
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Which do you think is the best interest when you save money? Explain your answer.
When saving money, the best interest would be A. Based on financial goals and risk tolerance.
What determines the best interest when saving money ?The best interest when saving money will depend on the individual's financial goals and risk tolerance. Generally speaking, the best interest rate on savings accounts is the one that offers the highest return on investment while also being safe and accessible.
It's important to keep in mind that the best option will depend on the individual's financial goals, risk tolerance, and the amount of money they have to save. For short-term goals, a high-yield savings account or a CD may be the best option. For longer-term goals, an investment in bonds or money market funds may be more appropriate. Consult with a financial advisor or a professional before making any decision.
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Options for this question include:
Based on financial goals and risk tolerance. Based on the amount of money to be madeBased on the location of the investmentYou are provided two problem statements below (Homework Problem 1). For each, provide a score on a scale of 1 to 10 with 10 being best. Provide justification for each score that you gave.
Example Problem Statements
We want to improve employee performance in the Human Resources (HR) department.
We want to improve sales revenue by 10%
To provide a score on a scale of 1 to 10 on the problem statements, as per the examples, we can score as follows:
Improve the performance of HR employees, score 9, as this is a problem that affects the entire organizational system.Improve sales revenue by 10%, grade 7, as sales revenue can be improved in the period according to commemorative dates.What are organizational problem statements?They correspond to an analysis of the organizational environment to understand what are the greatest needs for improvement, control and revision, to eliminate production bottlenecks, lack of integration and organizational flow.
Therefore, the problem statements in an organization help in managing more aligned to the reality of the company, such as its resources, monitoring and review of the processes that are responsible for making the company successful and positioned in the market.
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Baab Corporation is a manufacturing firm that uses job-order costing. The company's inventory balances were as follows at the beginning and end of the year: Beginning Balance Ending Balance Raw materials $ 14,850 $ 22,850 Work in process $ 27,850 $ 9,850 Finished Goods $ 62,850 $ 77,850 The company applies overhead to jobs using a predetermined overhead rate based on machine-hours. At the beginning of the year, the company estimated that it would work 33,850 machine-hours and incur $294,495 in manufacturing overhead cost. The following transactions were recorded for the year: Raw materials were purchased, $315,850. Raw materials were requisitioned for use in production, $307,850 ($280,150 direct and $27,700 indirect). The following employee costs were incurred: direct labor, $377,850; indirect labor, $96,850; and administrative salaries, $172,850. Selling costs, $147,850. Factory utility costs, $10,850. Depreciation for the year was $178,000 of which $171,000 is related to factory operations and $7,000 is related to selling, general, and administrative activities. Manufacturing overhead was applied to jobs. The actual level of activity for the year was 34,170 machine-hours. Sales for the year totaled $1,315,000. Required: a. Prepare a schedule of cost of goods manufactured. b. Was the overhead underapplied or overapplied
Answer:
Baab Corporation
a. Schedule of cost of goods manufactured:
Beginning work in process $ 27,850
Direct raw materials 280,150
Direct labor 377,850
Manufacturing overhead 297,279
Ending work in process ($ 9,850)
Cost of goods manufactured $973,279
b. The overhead was underapplied (by $9,121).
Explanation:
a) Data and Calculations:
Beginning Ending
Raw materials $ 14,850 $ 22,850
Work in process $ 27,850 $ 9,850
Finished Goods $ 62,850 $ 77,850
Estimated machine hours = 33,850
Manufacturing overhead cost = $294,495
Predetermined overhead rate = $294,495/33,850 = $8.70 per mh
Raw materials purchase $315,850
Raw materials used for production $307,850
Direct raw materials $280,150
Indirect raw materials $27,700
Direct labor$377,850
Indirect labor, $96,850
Administrative salaries, $172,850
Selling costs, $147,850
Factory utility costs, $10,850
Depreciation:
Factory Depreciation $171,000
Selling, general, and admin. $7,000
Total for the year was $178,000
Actual level of activity for the year = 34,170 machine hours
Sales for the year = $1,315,000
Manufacturing Overhead:
Indirect raw materials $27,700
Indirect labor, 96,850
Factory utility costs, 10,850
Factory Depreciation 171,000
Total overhead incurred $306,400
Overhead applied 297,279
Underapplied overhead $9,121
A 10-K financial report includes which
of the following financial statements?
A. Statement of Stock Flows
B. Statement of Cash Flows
C. Statement of Debt Flows
The Statement of Stock Flows and Statement of Debt Flows are not included in a 10-K financial report.
What is Stock Flows?Stock Flows is an investment strategy that involves buying and selling stocks with the aim of generating profits from short-term price movements. This strategy focuses on technical analysis to identify price trends and momentum, which can be used to predict when to buy and sell stocks. By carefully timing their trades, investors can capitalize on small movements in stock prices to generate returns. Stock Flows takes advantage of short-term market volatility to capture profits, and it is often used by traders and investors who are looking to profit from stock market movements in the short-term.
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What are the specific characteristics that define the private enterprise system? How does this type of system encourage innovation? Provide an example that helps to illustrate this and explain.
Fresh Powder, Inc., manufactures snowboards. Based on past experience, Fresh Powder has found that its total annual overhead costs can be represented by the following formula: Overhead cost = $614,100 + $1.26X, where X equals number of snowboards. Last year, Fresh Powder produced 23,000 snowboards. Actual overhead costs for the year were as expected.
Required:
1. What is the driver for the overhead activity?
For questions 2-4, Enter the final answers rounded to the nearest dollar.
2. What is the total overhead cost incurred by Fresh Powder last year?
$fill in the blank 2
3. What is the total fixed overhead cost incurred by Fresh Powder last year?
$fill in the blank 3
4. What is the total variable overhead cost incurred by Fresh Powder last year?
$fill in the blank 4
For questions 5-7, round your answers to the nearest cent. Use those rounded figures in subsequent computations, if necessary.
5. What is the overhead cost per unit produced?
$fill in the blank 5
per unit
6. What is the fixed overhead cost per unit?
$fill in the blank 6
per unit
7. What is the variable overhead cost per unit?
$fill in the blank 7
per unit
8. Recalculate Requirements 5, 6, and 7 for the following levels of production: (a) 22,300 units and (b) 24,400 units. Round your answers to the nearest cent.
22,300 Units 24,400 Units
Unit cost $fill in the blank 8
$fill in the blank 9
Unit fixed cost fill in the blank 10
fill in the blank 11
Unit variable cost fill in the blank 12
fill in the blank 13
The reason the unit costs changed in the way they did is because:
1) The driver for the overhead activity is the number of snowboards produced.
2) The total overhead cost incurred by Fresh Powder last year is $643,080.
3) The total fixed overhead cost incurred by Fresh Powder last year is $614,100.
4) The total variable overhead cost incurred by Fresh Powder last year is $28,980.
5) The overhead cost per unit produced is $27.96.
6) The fixed overhead cost per unit is $26.70.
7) The variable overhead cost per unit is $1.26.
Unit Costs Recalculated:22,300 Units 24,400 Units
8 and 9) Total unit cost $28.80 $27.58
10 and 11) Unit fixed cost $27.54 $25.17
12 and 13) Unit variable cost $1.26 $1.26
14) The reason the unit costs changed in the manner they did is because the total overhead and fixed cost per unit increase as production units reduce and decrease with increased production.
On the other hand, the variable cost per unit remains fixed with its total increasing or decreasing with production levels.
Total annual overhead costs formula:Overhead cost = $614,100 + $1.26X, where X equals number of snowboards
The number of snowboards produced last year = 23,000 units
At 23,000 Production Units:
Total overhead cost = $643,080 ($614,100 + $1.26(23,000)
Overhead cost per unit = $27.96 ($643,080/23,000)
Variable costs = $28,980 ($1.26 x 23,000)
Variable cost per unit = $1.26 ($28,980/23,000)
Fixed overhead cost per unit = $26.70 ($614,100/23,000)
At 22,300 Production Units:
Total overhead cost = $642,190 ($614,100 + $1.26(22,300)
Overhead cost per unit = $28.80 ($642,190/22,300)
Variable costs = $28,098 ($1.26 x 22,300)
Variable cost per unit = $1.26 ($28,098/22,300)
Fixed overhead cost per unit = $27.54 ($614,100/22,300)
At 24,400 Production Units:
Total overhead cost = $672,934 ($614,100 + $1.26(24,400)
Overhead cost per unit = $27.58 ($672,934/24,400)
Variable costs = $30,744 ($1.26 x 24,400)
Variable cost per unit = $1.26 ($30,744/24,400)
Fixed overhead cost per unit = $25.17 ($614,100/24,400)
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Black Lilies is a fledgling apparel company which is run and managed by its creator Patricia. She has advertised for an accounting executive to manage the finances of the firm. Which of the following, if true, would result in a complementary fit having occurred for the post?
a. Patricia is well-versed in accounting and will manage the firm's finances jointly with the new employee.
b. There is already a dedicated finance team in the firm who would work with the new employee.
c. The existing accounting executive is planning to quit to take up a better opportunity.
d. Patricia lacks the requisite skills to manage the company's accounts,hence the opening.
Answer:
d. Patricia lacks the requisite skills to manage the company's accounts,hence the opening.
Explanation:
Businesses require various set of skills from their employees to function properly and make a profit.
Also duplication of these skills should be avoided to maximise profit.
In the given scenario if Patricia were well versed in accounting them it would be a duplication of duties employing an accountant.
It would be a complimentary fit if Patricia lacks the requisite skills to manage the company's accounts,hence the opening.
How does a decrease in the price level affect the quantity of real GDP supplied in the long run?
A. Changes in the price level do not affect the level of GDP in the long run.
B. In the long run, a decrease in the price level increases inflation, which will decrease real GDP.
C. In the long run, a decrease in the price level will increase real GDP.
D. In the long run, a decrease in the price level decreases inflation, which will decrease real GDP
Unsecured loans are based on ____________.
Unsecured loans are based on the borrower's creditworthiness and financial stability.
Unsecured loans are loans that are not backed by collateral, such as a house or car. Because the lender does not have any collateral to seize if the borrower defaults on the loan, they must rely on the borrower's creditworthiness and financial stability to determine whether to approve the loan and what terms to offer.
To assess a borrower's creditworthiness and financial stability, the lender may consider factors such as the borrower's credit score, income, employment history, and debts. They may also review the borrower's credit report, which provides detailed information about their credit history and financial behavior. Based on this information, the lender will decide whether to approve the loan and, if so, what terms to offer. This may include the interest rate, loan amount, and repayment period.
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All Kiwi Ltd (a New Zealand-based company) has a wholly-owned subsidiary in Malaysia whose manager is being evaluated on the basis of the variance between actual profit and budgeted profit in New Zealand dollars (NZD). Relevant information in Malaysian ringgit (MYR) for the current year is as follows: Budget Actual Revenues MYR 12,000,000 MYR 11,000,000 Expenses 9,000,000 9,000,000 Current year actual and projected exchange rates between the New Zealand dollar (NZD) and the Malaysian ringgit (MYR) are as follows: Actual at time of budget preparation NZD 0.312 per MYR 1 Projected ending at time of budget preparation NZD 0.340 per MYR 1 Actual at end of budget period NZD 0.357 per MYR 1 Required: Calculate the total budget variance for the current year using a projected exchange rate (projected at the time the budget is prepared).
Answer:
Variance (Unfavorable) (NZD 340,000)
Explanation:
Budget Variance using exchange rate projected at the time of budget
Budget Actual Variance Exc. Rate Variance in NZD
MYR MYR
Revenue 12000000 11000000 -1000000 0.34 -340000
Expenses 9000000 9000000 0 0.34 0
Profit 3000000 2000000 -1000000 0.34 -340000
What is a BFOQ? Should BFOQs be allowed?
Answer:
In employment law, a bona fide occupational qualification (BFOQ) (US) or bona fide occupational requirement (BFOR) (Canada) or genuine occupational qualification (GOQ) (UK) is a quality or an attribute that employers are allowed to consider when making decisions on the hiring and retention of employees—a quality that when considered in other contexts would constitute discrimination and thus be in violation of civil rights employment law. Such qualifications must be listed in the employment offering.[citation needed]
Explanation:
Canada
The law of Canada regarding bona fide occupational requirements was considered in a 1985 Canadian court case involving an employee of the Canadian National Railway, K. S. Bhinder, a Sikh whose religion required that he wear a turban, lost his challenge of the CNR policy that required him to wear a hard hat.[1] In 1990, in deciding another case, the Supreme Court of Canada amended the Bhinder decision: "An employer that has not adopted a policy with respect to accommodation and cannot otherwise satisfy the trier of fact that individual accommodation would result in undue hardship will be required to justify his conduct with respect to the individual complainant. Even then the employer can invoke the BFOQ defence."[2]
United States
In employment discrimination law in the United States, both Title VII of the Civil Rights Act of 1964 and the Age Discrimination in Employment Act contain a BFOQ defense. The BFOQ provision of Title VII provides that:
[I]t shall not be an unlawful employment practice for an employer to hire and employ employees, for an employment agency to classify, or refer for employment any individual, for a labor organization to classify its membership or to classify or refer for employment any individual, or for an employer, labor organization, or joint labor-management committee controlling apprenticeship or other training or retraining programs to admit or employ any individual in any such program, on the basis of his religion, sex, or national origin in those certain instances where religion, sex, or national origin is a bona fide occupational qualification reasonably necessary to the normal operation of that particular business or enterprise ...[3]
i'm not able to add the balance of the answer so pls go to https://en.wikipedia.org/wiki/Bona_fide_occupational_qualification
The right to a safe and healthy workplace is accurately described by which statement? Group of answer choices Over recent years no new categories of accidents or illnesses have emerged. Extensive training and careful precautions are necessary to avoid accidents, injuries, and illness. A very limited number of jobs are potentially hazardous to workers’ safety and health. Regulations and enforcement have failed to curb worker accidents.
Answer:
The correct answer is the second option: Extensive training and careful precautions are necessary to avoid accidents, injuries and illness.
Explanation:
To begin with, all of the other options are describing the fact that the laws that regulate the workplace environment are no necessary or state that are enough. That is why that in the option chosen it is stated that it is absolutely necessary to have extensive training in the areas of work, specially those who are danger, and to take precautions around all so that the accidents can be prevented and the injuries will no happen as well as the illnesses. Therefore that the right to a safe workplace is accurately described by that statement.
After a sluggish quarter, the Federal Reserve decides to increase the money supply in the economy. When the money-creation process is complete, the Fed wants there to be $20 billion worth of new funds in the money supply. If the required reserve ratio is 5%, what is the simple money multiplier, and by how much should the Fed initially increase the money supply
Answer:
20 and $1 billion
Explanation:
The computation is shown below"
We know that
Money multiplier = 1 ÷ required reserve ratio
= 1 ÷ 0.05
= 20
Now the amount that would increase the money supply is
= $20 billion ÷ $20
= $1 billion
Hence, in this way it should be determined so that the chances of getting right answers would be high
Therefore the same is relevant