A hard inquiry can affect a credit score by up to five points, although the exact amount will depend on the individual's credit history.
A hard inquiry is a type of credit check that occurs when a lender reviews a borrower's credit report in order to determine their creditworthiness. This type of inquiry is usually initiated when a borrower applies for a loan, credit card, or other line of credit.
Hard inquiries can temporarily reduce a borrower's credit score, but they typically don't have a long-term effect. Generally, hard inquiry will remain on a credit report for two years, but they typically only affect a credit score for a few months.
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Indigo goes out to lunch. The bill, before tax and tip, was $11. 35. A sales tax of 4% was added on. Indigo tipped 19% on the amount after the sales tax was added. What was the total cost of the meal, plus tax and tip? round to the nearest cent.
First, let's calculate the sales tax: $11.35 x 4% = $0.45. Next, we'll add the sales tax to the original bill to get the subtotal: $11.35 + $0.45 = $11.80.
Now, let's calculate the tip: $11.80 x 19% = $2.25. Finally, let's add the subtotal and the tip to find the total cost: $11.80 + $2.25 = $14.05.
So, the total cost of the meal, including tax and tip, is $14.05. Is there anything specific you would like to know more about? I would be happy to provide more information or clarification on any aspect of the calculation of the total cost of the meal.
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which step of business process management allows managers to create a continually improving process?
The step of business process management that allows managers to create a continually improving process is the "monitoring and optimizing" step. This step involves measuring and analyzing the performance of the process to identify areas for improvement, and then making changes to the process to address these issues.
By continuously monitoring and optimizing the process, managers can identify opportunities for improvement, eliminate bottlenecks, and increase efficiency and effectiveness. This leads to a more streamlined and effective process, which can ultimately lead to improved business process management and customer satisfaction.
It's important to note that the process of continuous improvement is ongoing and requires a commitment from all members of the organization. It involves a culture of openness to change and a willingness to experiment and try new approaches to achieve better results.
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1) You recently purchased a car for $25,000. You were able to put $10,000 down upfront and finance the rest at a 0% interest rate. How much equity do your currently have on the vehicle?
a) $15,000
b) 0
c) $25,000
d) $10,000
2) What is said to occur when the value of future benefits is perceived to be lower than that of an alternative available right now?
a) Hyperbolic discounting
b) present bias
c) spotlight bias
d) restraint Bias
You presently have $15,000 in equity on the car, which is determined as the difference between the balance owed ($10,000) and the car's worth ($25,000).
The difference between the car's worth and the balance due on it represents the equity in the vehicle. In this instance, the equity in the car is $20,000 because it is valued at $25,000 and has a $10,000 debt. Present prejudice is a cognitive bias that occurs when the value of future rewards is viewed as being less important than the worth of a current option. This effect may cause people to give priority to short-term rewards above long-term advantages.
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Which is a good reason to invest over a long period of time?
A good reason to invest over a long period of time is to benefit from the power of compounding.
Compounding is an investing strategy that allows earnings to be reinvested, generating additional earnings with each reinvestment. Over time, these reinvested earnings can make a substantial difference in the total return on an investment.
Compounding is an important concept for investors to understand as it can help them achieve long-term financial goals. Compounding can be used with almost any type of investment, including stocks, bonds, mutual funds, and real estate.
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average fixed cost increases as the quantity produced increases.
true/false
The given statement "Average fixed cost increases as the quantity produced increases" is false. Because Average fixed cost (AFC) is the fixed cost per unit of output. Fixed costs are the costs that do not vary with the level of output, such as rent or salaries.
As the level of output increases, the fixed cost is spread over a larger number of units, so the average fixed cost decreases.
Therefore, as the quantity produced increases, the average fixed cost decreases. This is because the same fixed cost is being spread over a larger number of units, leading to a lower average fixed cost per unit of output.
It is important to note that while the average fixed cost decreases with increasing output, the total fixed cost remains constant, as it does not vary with the level of output.
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entrepreneurs and their employees both earn higher financial income than similar individuals working in wage positions. true or false ?
False, Entrepreneurs work longer hours, are more at danger of losing their income, and make 4% to 15% less money annually on average than wage earners. Additionally, their earnings increase more slowly over time.
What sets a worker apart from both other workers and business owners?Employees fulfill the duties while firm owners make plans. While a worker can concentrate on the tasks at hand day by day, a business owner must assess how well they are being done in light of the organization's long-term objectives.
Entrepreneurs put in more hours, are more likely to lose their job, and earn 4% to 15% less annually on average than employees. They also see a slower rate of earnings growth over time. Few business owners actually earn much more money than they did as employees.
What are the differences between entrepreneurship and wage employment?People select their line of job from paid employment and self-employment. Based on her degree of abilities, the individual is assigned a wage bracket as a wage worker. People invariably start their own businesses whenever the profit is higher than what an employee could earn.
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Fill the blank! firms that want to start getting into a global market with the least amount of investment possible will most likely begin with ________.
"Global sourcing" is where businesses that wish to enter a global market with both the least amount of expenditure are most likely to start.
Define the term global sourcing used in global market?A corporation can save money by using low-cost raw materials as well as skilled labor via low-cost countries by using the global sourcing approach, which involves purchasing goods and services across geopolitical boundaries.
Utilizing superior expertise, resources, and technology outside of their own country can benefit enterprises.A well-known instance of international sourcing is business process outsourcing (BPO). Many businesses have established their service companies in Asian nations like Philippines and India in order to take advantage of the inexpensive and competent labor there.The topic of global sourcing strategy is currently a hot button issue. Many companies that relied on such a supplier from China encountered unanticipated interruption as a result of the COVID-19 epidemic and the ensuing supply chain difficulties.Thus, global sourcing is where businesses that wish to enter a global market with both the least amount of expenditure are most likely to start.
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What Deferred Revenue Is in Accounting, and Why It's a Liability
Payment for goods or services that a client anticipates receiving in the future is known as deferred revenue.
Up until the service or delivery of the product, the business owes the client. As a result, the transaction momentarily becomes a burden. Money received under accrual accounting for products or services but not yet earned is referred to as deferred revenue. They are recorded as liabilities up to delivery, when they are changed to revenue in accordance with the revenue recognition principle. Unpaid taxes are recorded on a company's balance sheet as a deferred tax liability, which is then paid at a later time. When the obligation for deferred revenue lowers, income is recognized. Less money came in from customers and less revenue will be recognized in the future if the deferred revenue account has reduced. Which demonstrates that a decline in the deferred revenue account can be used as an early warning sign of declining future revenues.
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What did Hoover think government should do in bad economic times ?
Hoover thought that governments should encourage different groups to cooperate in order to boost the economy, rather than usurping too much authority from brave private organizations that provide aid to the poor.
What was Hoover's approach to finance?Hoover supported strategies for achieving economic development that involved collaboration between the federal government, business, and labor, but he was typically opposed to the federal government playing a direct role in the economy. The Agricultural Marketing Act of 1929 was enacted by Hoover in an effort to address a lingering agriculture problem.
How did Hoover respond to the Great Depression in the 1920s?President Herbert Hoover's strong views on the limited role of government conflicted with direct federal assistance to the unemployed. As a result, rather than offering immediate relief in response to the economic crisis, his strategy was to get people back to work.
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In value-chain analysis, primary activities include human resource management and procurement.
True/False
The given statement "the two main tasks in the value-chain analysis are procurement and human resource management" is FALSE.
What is the value-chain analysis?Value chain analysis is a technique for assessing each activity in a company's value chain to identify areas for improvement.
You are prompted to think about how each phase adds or subtracts value from your ultimate product or service when you conduct a value chain analysis.
The value chain framework consists of four secondary activities, procurement and purchasing, human resource management, technological development, and business infrastructure, in addition to five primary activities: inbound operations, operations, outbound logistics, marketing and sales, and service.
Businesses can identify areas where costs can be cut by using a value chain analysis, which provides them with a visual representation of these operations.
Therefore, the given statement "the two main tasks in the value-chain analysis are procurement and human resource management" is FALSE.
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True/false?a free-market system cannot operate effectively and fairly without a reliable foundation in contract law.
True. A free-market system relies on voluntary transactions between individuals or entities, typically governed by contracts.
Without a reliable foundation in contract law, it would be difficult to enforce these agreements and ensure that parties uphold their end of the bargain. This could lead to a lack of trust in the free-market system, reduced investment and growth, and an unfair playing field for those who abide by their agreements.
A reliable foundation in contract law is necessary for a free-market system to operate effectively and fairly. Contract law provides a framework for parties to enter into agreements and sets out the rules and standards for enforcing those agreements.
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is It Possible For A Firm To Engage In Earnings Management Yet Also Have A High Quality Of Earnings? Why Or Why Not? A) Yes, it is possible for a firm to do both. In order to be successful, however, the firm must provide full and transparent information related to any unusual or unexpected changes in revenues, expenses, gains, and/or losses.B) Yes, it is possible for a firm to do both. In fact, the more a firm engages in earnings management practices in order to smooth out its revenues, expenses, gains, and/or losses, the higher its quality of earnings will be.C) Yes, it is possible for a firm to do both because there is no relationship between a firm’s quality of earnings and its choice to engage in earnings management practices.D) No, it is not possible for a firm to do both. In fact, any attempts to engage in earnings management practices of any kind automatically decrease a firm’s quality of earnings.
Yes, a company can engage in both activities. In fact, a company's earnings quality will be stronger the more earnings management strategies it uses to even out its sales, expenses, gains, and/or losses.
How can management of earnings impact the standard of earnings?If profits management distorts the data in a way that makes it less useful for predicting future cash flows, it will have a negative effect on the quality of results.
Why do businesses manage their earnings?Utilizing earnings management allows businesses to exhibit more stable profits month after month, quarter after quarter, year after year. Large fluctuations in income and expenses may be a typical element of a business' operations, but investors who want to see stability and progress may be concerned by the changes.
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A major limitation to the new consumer freedom included?
The boundaries of consumer's sovereignty are as follows: Productive powers– In a capitalist economy, the sovereignty of the patron is constrained by using the productive powers of the community. State of technical knowledge– With a given country of technology, the customer ought to sense blissful with some thing goods are produced.
What does customer Freedom sovereignty mean?Consumer sovereignty is the monetary thought that the client has some controlling strength over items that are produced, and the thought that the patron is the quality judge of their personal welfare.
Consumers don't understand their very own motivations and can not often articulate them well.. Also, focus companies often get dominated by using a crew “leader,” and participants' responses grow to be closely influenced via that individual.
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https://brainly.com/question/701834#SPJ4when calculating the percentages for each budget category, you should use your pre-tax income
When calculating the percentages for each budget category, it is generally recommended to use your pre-tax income. This is because your pre-tax income represents your total earnings before any taxes or other deductions are taken out.
By using your pre-tax income, you can get a more accurate representation of your overall financial situation and how much money you have available to allocate to different categories. Using your pre-tax income also allows you to better understand the impact of taxes and other deductions on your overall financial picture. If you were to use your post-tax income, you may not be accounting for these deductions and could end up allocating too much or too little money to different categories. It's important to note that everyone's financial situation is unique, so it's important to evaluate your own circumstances when determining how to calculate your budget percentages. Additionally, it's important to regularly review and adjust your budget to ensure it remains aligned with your financial goals and needs.
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what is the main uninitialised value was created by a heap allocation?
Heap Allocation: Heap allocation is an allocation method in which the heap is used to control the allocation of memory. Heap helps in managing dynamic reminiscence allocation. In heap allocation, the creation of dynamic information objects and information buildings is also viable as equal as stack allocation.
Which one is the heap allocation method?Heap allocation is used to allocate memory to the variables dynamically and when the variables are no greater used then claim it back. For every dimension of interest, keep the linked listing of free blocks of that size.
The blessings of heap memory are: Lifetime. Because the programmer now controls precisely when memory is allocated, it is viable to build a facts shape in memory, and return that statistics shape to the caller. This was in no way possible with local memory, which was once mechanically deallocated when the feature exited.
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https://brainly.com/question/29108800#SPJ4How is productivity measured?
Answer:
The level of productivity is the ratio of output to inputs. (For labor productivity, the input is only labor, for other measures of productivity, the input is an index of combined inputs.)
Explanation:
n/a
Operational planning must be completed by first-line managers every ____, and tactical planning is done by middle management every ____.
Operational planning is typically completed by first-line managers every year, while tactical planning is done by middle management every three to five years.
Operational planning is the process of defining specific actions and tasks that are required to achieve the goals and objectives set out in the strategic plan. It involves the allocation of resources and the coordination of activities required to achieve the desired results.
First-line managers, who are responsible for the day-to-day operations of a business, are typically the ones who complete operational planning. Tactical planning, on the other hand, is focused on intermediate-term planning and focuses on the allocation of resources to support the achievement of the goals and objectives set out in the strategic plan.
It is typically completed by middle management, who are responsible for executing the strategic plan and ensuring that the tactical plans align with the overall strategy.
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A decline in a company’s gross profit could be caused by all of the following except
Select one:
a. selling products with a lower markup.
b. clearance of discontinued inventory.
c. paying lower prices to its suppliers.
d. increased competition resulting in lower selling prices.
The correct option is C. A decline in a company's gross profit could be caused by all of the following options except for paying lower prices to its suppliers.
This is because paying lower prices to its suppliers could actually increase the company's gross profit, as it would allow the company to maintain or increase its markup on the products it sells. Selling products with a lower markup would decrease the gross profit because the company would make less money on each sale. Similarly, clearance of discontinued inventory would result in lower sales prices and therefore a lower gross profit. Increased competition resulting in lower selling prices would also decrease the gross profit as the company would have to lower its prices in order to remain competitive. It is important to note that while paying lower prices to suppliers would not directly cause a decline in gross profit, it could potentially lead to other issues that would affect gross profit. For example, if the lower prices result in lower quality products, this could lead to customer dissatisfaction and a decline in sales, which would ultimately decrease the gross profit.
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what instruction governs time critical risk management
Time-Critical Risk Management (TCRM) This is the standard of behaviour that employees consistently exhibit both during work hours and outside of them. The time critical level is best described as occurring at the beginning or during the execution of a mission or task.
At this level, there is very little to no time for planning. Risk professionals may be familiar with the basics of risk management—risk identification, risk analysis, critical risk control, risk financing, and claims management—but they are by no means the only ones who take those factors into account when making daily decisions. Risk assessment and analysis, risk evaluation.
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what is the highest present value
The maximum present value is the current value of a future financial sum determined by an underlying interest rate and time horizon.
A financial concept called the present value is frequently applied in retirement and investment planning. It is predicated on the notion that due to inflation and the opportunity cost of not having access to cash, money in the future will be worth less than money in the present. Investors can therefore assess how much they need to save or invest now in order to achieve their financial goals by estimating the present value of future contributions.
The assets with the highest present value often offer high rates of return over extended periods of time. They might consist of securities, property, or other possessions with the potential to increase in value over time. Investors can maximize their profits and expeditiously reach their financial objectives by selecting investments with high present values.
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Jacob sells custom-made promotional products to businesses through his website. He is happy with his current customer base, as most of his business is repeat and referral. He gets very few walk-ins or visits from customers and ships all products directly to them.
Which describes the best location for Jacob's business?
Responses
a location in a busy strip mall
a lower-cost, less visible location
a higher-cost, more visible location
a location in a quiet area
Option C is correct, the best location for Jacob's business is a higher-cost, more visible location.
In Ansoff's definition of the Product-Market Growth Matrix, one of the four growth strategies is market penetration. When a business enters a market where similar or existing products are already available, this is known as market penetration. Getting the consumers of rival businesses is one approach to do this (part of their market share). The sale of products and services to consumers for their own use or consumption is known as a consumer market. Consumer market buyers don't acquire goods and services to resale for a profit like those in the commercial market do; instead, they buy them for their own consumption.
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Krugman argues that if each country seeks to follow a strategic trade policy to protect its interests, this may lead to a ______.
Krugman argues that if each country seeks to follow a strategic trade policy to protect its interests, this may lead to a trade war.
What does Paul Krugman, an economist, have to say about strategic trade policy?According to Paul Krugman, a strategic trade policy that aims to give home companies the upper hand in a global industry is a beggar-thy-neighbor approach that raises national wealth at the expense of other nations. A nation that tries to implement such policies is likely to face backlash.
What does strategic trade policy entail?Government strategy that seeks to direct excess revenues from oligopolistic international markets onto domestic companies is known as strategic trade policy (STP).
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Which of the following statements about the average wholesale price a company charges footwear retailers in a given geographic region is incorrect?
A corporation has the opportunity to obtain an enticingly large volume of sales and market shares even when it has competitive threats on other big-price-based competitive edge in a town's wholesale segment.(option c)
By average wholesale pricing, what do you mean?The average wholesale cost is a term used to describe the average cost of prescription drugs provided at the retail level in the United States. The metric was first designed to provide third-party payers, such as government prescription drug programmes, with accurate pricing information. A standard used by both public and private payers for the pricing and payment of prescription medications. AWP is not an accurate reflection of current market prices either for brand-name or generic pharmaceutical medicines.
Complete question: Which one of the following claims regarding the typical wholesale cost a business bills shoe retailers in a certain area is untrue?
A. This competitive price disadvantage will have a greater detrimental effect on a company's pairs sold and customer base in a region the further its average wholesale cost to retail in a geographical area is ABOVE a all average residual wholesale price.
B. By focusing more on some or many of the other 9 competitor factors that affect the number of branded pairs sold and customer base in a region's wholesale segment, a company whose average wholesale cost to retailers is ABOVE the normal returns may be able to partially or completely offset its price-based competitive disadvantage.
C. Even if a firm experiences competitive threats on other competitively relevant aspects, it can still attain an alluringly large volume of sales and market share as long as it has a big-price-based market edge inside a region's wholesale segment.
D. By intensifying its competitive effort on other competitive aspects, any company's price-based competitive edge in the wholesale sector (and the subsequent favourable impact on its unit and market share) could be increased.
E. The greater the difference between a company ’s gross wholesale price to retail in a particular location and the regional average wholesale price for all companies, the greater the positive impact on pairs sold, market share, and price-based competitive advantage.
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What does CPM stand for in business?
CPM can stand for several different things in business depending on the context, the most common meanings are: Cost per thousand, Corporate performance management, Critical path method, Cost per mile.
Cost per thousand (M is the Roman numeral for thousand): CPM is often used in advertising to refer to the cost of showing an ad to 1,000 people or impressions. For example, if an ad has a CPM of $10, that means it costs $10 to show the ad to 1,000 people.
Corporate performance management: CPM is a type of software used by businesses to help manage their financial and operational performance. CPM software typically includes tools for budgeting, forecasting, planning, and reporting.
Critical path method: CPM is a project management technique used to identify the longest sequence of tasks in a project and to determine the minimum amount of time required to complete the project. Cost per mile.
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Griffin received his bank statement from bayne bank indicating a balance of $7,980. Griffin's checkbook showed a balance of $6,800. Griffin noticed that checks outstanding were $1,330. The bank statement also revealed an nsf check for $120 and a service charge of $30. The reconciled balance is:.
The reconciled balance is $8,130.
The reconciled balance should be the same in both the bank statement and the checkbook. If the two balances do not match, it could indicate errors or discrepancies in the records.
In this case, the reconciled balance is $7,830, which is lower than the balance recorded in the checkbook. To resolve this difference, Griffin should review his records to see if any checks have been recorded twice or if any other errors have been made.
To reconcile the balance, we need to consider the items shown in the bank statement and the items recorded in Griffin's checkbook.
Starting with the bank statement balance of $7,980, we need to subtract the NSF check of $120:
$7,980 - $120 = $7,860
Next, we need to subtract the service charge of $30:
$7,860 - $30 = $7,830
Now, let's consider the items recorded in Griffin's checkbook. The checkbook balance of $6,800 needs to be adjusted for the checks outstanding, which total $1,330:
$6,800 + $1,330 = $8,130
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under both accrual-basis and cash-basis accounting, all revenues and expenses are recorded at the same point in time. T/F?
Under each accrual-basis and cash-basis accounting, all revenues and expenses are recorded at the identical factor in time. The adjusted trial balance is used to verify that complete debits equal complete credits after account balances have been up to date to reflect adjusting entries.
Will one business use each money foundation and accrual accounting techniques at the identical time?The tax code permits a enterprise to calculate its taxable earnings using the money or accrual basis, however it can't use both. For economic reporting purposes, U.S accounting requirements require businesses to function under an accrual basis.
Cash groundwork accounting information income and expenses when authentic repayments are obtained or disbursed. It does not account for either when the transactions that create them occur. On the different hand, accrual accounting documents income and prices when these transactions appear and before any cash is acquired or paid out.
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https://brainly.com/question/1214642#SPJ1the costs incurred for a particular product, regardless of the number of units or batches of the product produced, are known as
The costs incurred for a particular product, regardless of the number of units or the batches of the product produced, are known as the product level costs.
Production costs refer to all the direct and the indirect costs that a business incurs in producing a product or providing a service.
Manufacturing costs include various costs such as: Labor costs, raw materials, consumables for production, and general overhead costs.
Production costs refer to the costs that a business incurs in producing a product or providing a revenue-generating service to a business.
Manufacturing costs include various costs such as: Labor, raw materials, consumables for the production, and the general overhead.
Total product cost can be determined by adding total direct material and labor costs, and total manufacturing overhead costs.
Manufacturing costs, also known as product costs, are incurred when a company manufactures products or provides services.
These costs include various costs. For example, manufacturers have manufacturing costs associated with the raw materials and labor required to manufacture their products.
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marketing research includes which three activities?
Exploratory, descriptive, or causal levels can all be used for marketing research.
What is meant by Marketing research ?This entails identifying the data needed to address these concerns, devising the information collection strategy, and overseeing and putting the data collection process into practice.
These findings and results, together with any consequences they may have, are sent to individuals with the authority to act on them after the data has been examined.
A series of commercial tasks, including market research, marketing research, and marketing, are occasionally conducted informally.
In comparison to market research, marketing research is a much older field. Although both involve customers, market research focuses mainly on markets and distribution whereas marketing research is more interested in marketing processes like advertising and salesforce effectiveness.
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For each of the following companies, specify whether each company would be more likely to use job costing or process costing.
A. Janitorial services company
B. Soup manufacturer
C. Commercial plumbing contractor
D. Toothpaste manufacturer
E. Catering service
F. Shipbuilder
G. Company providing Web design services
H. Medical practice of six doctors and four physician assistants
I. Soft drink bottler
J. Movie studio
K. Plastic bottle manufacturer
L. Architect
M. Temporary staffing agency
N. Oil refinery.
Job costing is a method for estimating the costs of specific tasks performed in accordance with the client's requirements or instructions.
a. Janitorial services company : Job Costing
b. Soup manufacturer :Process Costing
c. Commercial plumbing contractor : Job Costing
d. Toothpaste manufacturer : Process Costing
e. Catering service :Job Costing
f. Shipbuilder : Job Costing
g. Job Costing is a company that offers web design services.
h. Medical practice of six doctors and four physician assistants : Job Costing
i. Soft drink bottler : Process Costing
J. Movie studio : Job Costing
k. Plastic bottle manufacturer : Process Costing
l. Architect : Job Costing
m. Temporary staffing agency : Job Costing
n. Oil refinery : Process Costing
Costing the process: Process costing is a method of costing used primarily in manufacturing, where units are continuously mass-produced through one or more processes. It is used to determine the cost of goods that require multiple processes to become finished goods. The production of chemicals, processed food, and erasers are all examples of this.
Why does process costing work?When similar products are produced in large quantities and the costs of each unit of output cannot be distinguished, process costing is utilized. To put it another way, it is assumed that the price of each product produced is the same as the price of each other product.
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What percent of employers say they use search engines and social media to find out more about job candidates?
More precisely, 67% of respondents claim to investigate possible job candidates on social media platforms. 54% of businesses have rejected a candidate solely on the basis of their social media feed.
Explain the social media recruitment statistics?Social networking can greatly simplify the process of hiring even though it isn't always simple. In fact, social media has become a popular networking tool for recruiters.
In their job search, 57% of job applicants use social media.Social media was used to find their most recent job by 73% of job hunters ages 18 to 34.Social media is used for recruiting by 84% of businesses.Employers study prospective employees using social networking sites in 67% of cases.Social media hiring has been successful for 70% of managers.Social media is used by 94% of recruiters.Thus, social networking is often used by employers to find and learn more about possible job candidates.
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