Since 2010, the interest rate on passbook accounts and certificates of deposit has been moderate. In exchange for keeping the money on deposit for a set amount of time, top-paying certificates of deposit (CDs) offer interest rates that are higher than those offered by the best savings and money market accounts. Compared to stocks and bonds, CDs offer a smaller potential for growth but a non-volatile, fixed rate of return.
CD are also a safer and more conservative investment. Almost all banks, credit unions, and brokerage companies provide a selection of CD choices. Shopping around offers major benefits because the best CD rates that are nationally available are often three to five times higher than the industry average for every term.
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What is a strength and how is it different from a trait or a skill? what is the strength equation?
Strength is the quality of a person of being physically strong, also the strength can be that a thing is able to bear a forceful pressure.
What is a Skill?A skill is the ability of doing something, a person knows how to write this is a skill but a person who can write well is a well skilled writer but the other also have this skill.
A Trait is a quality or a characteristic that a person have this trait is genetic. A person of all traits is the person born with many qualities, also the traits can be learned more and enhanced.
The equation of strength is
Compressive strength = Force / Initial cross sectional surface area.
Skills and traits of a person can be developed and enhanced as per the liking of the person, a person can have better quality of skill in the field of interest.
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What were the economic consequences of apartheid in south africa?.
Answer
Apartheid education policies lead to low rates of investment in human capital of black workers. Consequently, the economy falls to a lower level of physical and human capital in equilibrium and hence to a lower real income per capita in the long-run equilibrium
Answer: answer is
A C D
Explanation:
did it
2023 murano’s available intelligent awd adjusts the ________ to help maintain cornering control.
2023 Murano's available intelligent AWD adjusts the torque delivered to the wheels to help maintain cornering control.
What is torque?It should be noted that torque simply means a rotational force which leads to the rotation of an object around an axis.
In this case, 2023 Murano's available intelligent AWD adjusts the torque delivered to the wheels to help maintain cornering control.
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Though the deferred action for childhood arrivals program, or daca, enjoys generally broad public support, the state of texas and other states filed suit against the federal government to end its protections by making which claim?.
The Federal Government to end its protections by making The creation of the program by President Obama was a constitutional overreach.
What is DACA Program?DACA is Stand For Deferred Action for Childhood Arrivals. DACA is an administrative relief that protects eligible immigrants who came to the United States when they were children from deportation.
DACA gives undocumented immigrants:
Protection from Deportation.A Work Permit.The program requires that the DACA status and work permit be renewed every two years.
The policy, an executive branch memorandum, was announced by President Barack Obama on June 15, 2012. U.S. Citizenship and Immigration Services (USCIS) began accepting applications for the program on August 15, 2012.
In November 2014, President Obama announced his intention to expand DACA to cover additional undocumented immigrants. Multiple states immediately sued to prevent the expansion, which was blocked June 23, 2016 by an evenly divided U.S. Supreme Court in United States v. Texas.
Eligibility:
To qualify for DACA, applicants must meet the following major requirements, although meeting them does not guarantee approval:
Have unlawful presence in United States after entering the country before their 16th birthday.Have lived continuously in the United States since June 15, 2007Were under age 31 on as of June 15, 2012 (born on June 16, 1981, or after).Were physically present in the United States on June 15, 2012, and at the time of making their request for consideration of deferred action with USCIS.Had no lawful status on June 15, 2012.Have completed high school or a GED, have been honorably. discharged from the armed forces, or are enrolled in school.Learn more about DACA on:
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Which two investment options would be best if you are 45 years old, just starting to save, and want to retire when you are 65
For " two investment options would be best if you are 45 years old". Investing in a certificate of deposit (CD) or a bond is the best alternative. This is further explained below.
What are investment options?Generally, The most prevalent asset classes are stocks, bonds, mutual funds, and ETFs. A retirement savings plan or a college savings plan would likely include investments in these asset classes.
In conclusion, Bonds and certificates of deposit (CDs) are the finest alternatives for long-term investments.
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What is the correct function for the national center for missing & exploited children (ncmec)?
The main function of the National Center for Missing & Exploited Children (NCMEC) is to facilitate the identification of children and their reunification.
The family reunion is accepted as a reason for immigration in many countries. This is because if she has one or more family members in a particular country, only the remaining members of the separated family or certain family members can move to that country.
Family reunification in youth welfare refers to the process by which children in a foster family return to their real parents. Reunion with foster parents is a common goal and most common outcome for children in Foster Care.
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Dublin Corporation reported net sales of $250,000, cost of goods sold of $150,000, operating expenses of $50,000, net income of $32,500, beginning total assets of $520,000, and ending total assets of $600,000. Calculate each of the following values and explain what they mean: (a) profit margin and (b) gross profit rate.
The profit margin rate is 13%. And the gross profit rate is 40%.
Net Profit Margin = Net Profit ⁄ Gross Revenue x 100
Net Profit is calculated by subtracting all company expenses from gross revenue. Profit margin calculation results are expressed as a percentage. For example, a 10% profit margin means that for every $1 in sales, the company earns $0.10 in net profit.
But in general, small businesses have healthy profit margins between 7% and 10%. However, be aware that certain companies may have lower profit margins. B. A retail or food company. This is because overhead costs tend to be high.
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A defendant is on trial for tax evasion. The prosecutor, seeking to establish the defendant's income by showing his expenditures, has asked the defendant's attorney to produce records showing only how much the defendant had paid his attorney in fees. Should the demand for the attorney's fee records be upheld
Yes, the demand for the attorney's fee record should be upheld because it calls for relevant information, not within the attorney-client privilege. (Evidence-Privileges and Other Policy Exclusions)
Who is the defendant?This is known to be a person complained against in a case, and accused of a crime.
Who is a prosecutor?This is an attorney, mostly a government attorney who charges and tries cases against individuals accused of crime.
Hence, evidence privilege is information that is relevant to the issue at trial, but is protected from being introduced or compelled by the opposing party.
Usually the reason for this protection relates to public policy, such as protecting the trust between spouses or the privacy of a patient consulting their doctor.
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China decides to build an aircraft carrier. what is the opportunity cost of the aircraft carrier?
The opportunity cost of the aircraft carrier is the cost of the next best option China forgoes in order to build the aircraft carrier.
What is the opportunity cost?
Opportunity cost of the next best option forgone when one alternative is chosen over other alternatives. Opportunity cost is also known as implicit cost. Opportunity cost is used in calculating implicit cost.
For example, if in deciding to build the aircraft carrier, China forgoes the opportunity to repair all the roads in china. Repairing all the roads in China is the opportunity cost.
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The direct labor rate variance is the difference between the a.actual costs and the actual hours at the standard rate b.actual hours at the standard rate and the standard costs c.actual rate and the standard rate d.actual costs and the standard costs
The correct option is: a) actual costs and the actual hours at the standard rate
The direct labor rate variance is the difference between the actual costs and the actual hours at the standard rate.
Fundamentals of Direct Labor VariancesThe direct labor variance gauges the firm's effectiveness in both using labor and setting labor prices. The direct labor rate variance and the direct labor time variance are the two parts of a labor variance
Variation in direct labor rates
The difference between the actual and average direct labor rates for the hours worked is known as the direct labor rate variance.
The following formula is used to compute the direct labor rate variance:
Because of increased production efficiencies, negligence or inefficiencies in production, or inaccurate estimation when establishing the standard usage, the actual hours used may differ from the standard hours.
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Consumer behavior is the study of people's decisions and the factors that influence those decisions.
Consumer behavior is the study of people's decisions and the factors that influence those decisions are Psychological Factors, Personal Factors and Social Factors.
Consumer behaviour is the study of how people choose what they purchase, desire, need, or do in relation to a good, service, or business. Understanding consumer behaviour is essential to predicting how prospective customers will react to a new good or service. Additionally, it aids businesses in locating untapped prospects. Numerous problems affecting consumers are specific to their way of thinking. A person's attitude, their capacity for learning or understanding information, and how they perceive a need or circumstance are all examples of psychological aspects.
Personal qualities are traits that are unique to a person and may not apply to other members of the same group. Social traits are the third element that has a substantial impact on customer behaviour. Social influences can range widely and include a person's family, friends, coworkers, schoolmates, or any group of individuals they are affiliated with.
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Throughout history an investment in __________ has yielded an excellent return, regardless of the state of the economy or political changes.
Throughout history, an investment in a good education has yielded an excellent return, regardless of the state of the economy or political changes.
Education is a goal-oriented activity aimed at achieving specific goals, such as transferring knowledge or promoting skills or personality traits. These goals may include developing understanding, rationality, kindness, and honesty.
Education is both the act of imparting knowledge to others and the act of receiving knowledge from someone else. Education also refers to the knowledge gained through school and instruction, and the educational institution as a whole. Education has several non-noun meanings.
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Less popular open source products are not likely to attract the community of users and contributors necessary to help improve these products over time. This situation reiterates the belief that _____ are a key to success.
This situation reiterates the belief that Network Effects are the key to success.
What are Network Effects?The value or utility a user obtains from a good or service relies on the number of users of related products, which is a phenomenon known as a "network effect." The phrase "network effect" describes any circumstance in which the quantity of buyers, sellers, or users who utilize a platform, product, or service determines its worth. Positive network effects typically result in a user gaining more value from a product when other users join the same network.
The three primary types that can increase the number of users and worth of your product are direct, two-sided, and local network impacts.
Therefore, this situation reiterates the belief that Network Effects are a key to success.
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If firms in the travel industry compete through nonprice competition, these statements are all true except which one?
The statements about nonprice competition that is false is a) Companies that use nonprice competition do not need to keep track of their competitor's prices.
What is nonprice competition?It should be noted that the is not complete, this is just a related question, Non-price competition can be regarded as a marketing strategy whereby firm tries to distinguish the product or service of their company from competing products .
In this case, in Non-price competition, company must be able to distinguish its brand through some unique feature in order to successfully engage in nonprice competition.
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CHECK THE COMPLETE QUESTION;
Which of the following statements about nonprice competition is false?
a) Companies that use nonprice competition do not need to keep track of their competitor's prices.
b) A company must be able to distinguish its brand through some unique feature in order to successfully engage in nonprice competition.
c) A firm using nonprice competition can build loyalty to both its company and its products.
d) When using nonprice competition, a company should promote the distinguishing characteristics of its brand.
e) Buyers must view the distinguishing characteristics of a product offered through nonprice competition as being important.
Smith company has a balance in office supplies of $1350 before adjustment. Office supplies of $650 remain at the end of the year. The adjusting entry would be:_____.
A. Office Supplies 1,050
Supplies Expense 1,050
B. Office Supplies 350
Supplies Expense 350
C. Supplies Expense 1,050
Office Supplies 1,050
D. Supplies Expense 350
Office Supplies 350
Smith company has a balance in office supplies of $1350 before adjustment. Office supplies of $650 remain at the end of the year. The adjusting entry would be: Supplies Expense 1,050 Office Supplies 1,050
Liquid assets represent the cost of inventory available at a particular point in time. This account usually appears after the inventory account on the balance sheet. The relevant account is Consumables Expenses, which appear on your income statement.
Inventories are usually classified as current assets until they are actually used. When supplies are used, they are converted into costs. Inventories may be considered current assets if their dollar value is significant.
Look at the starting balance of your reserve account and subtract your current reserve balance from that balance. For example, if your supplies account balance is $ 790, the cost of consumables used during that period is $ 220.
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The inflow of cash or other assets that a business receives when it provides goods or services to customers is referred to as Multiple choice question. expenses gains losses revenues
The inflow of cash or other assets that a business receives when it provides goods or services to customers is referred to as revenues.
What is Revenue?Revenue, which is determined by multiplying the average sales price by the quantity of units sold, is the money made from regular business operations.The top line (or gross income) figure is what is used to calculate net income by deducting costs. Sales are another name for revenue in the income statement.Non-operating income is irregular or irregular money that comes from other sources (e.g., lawsuit proceeds).Governments, nonprofit organizations, and private persons are examples of non-business entities that also declare revenue, albeit their methods and resources vary.While income or profit includes the costs incurred in generating revenue and reports net (not gross) results, revenue simply refers to the proceeds from sales.To learn more about Revenue with given link
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An investment project for which the net present value is $300 would result in which of the following conclusions
The following conclusions are the investment project returns are greater than the required returns.
Investment can refer to any mechanism used to generate future income. This includes, among others, the purchase of bonds, stocks, or real estate. Additionally, buying real estate that can be used to produce goods can be considered an investment.
Public investment refers to government spending on economic infrastructures such as airports, roads, railways, water and sewerage, public electricity and gas supplies, telecommunications, and social infrastructures such as schools, hospitals, and prisons (IMF, 2015).
Simply put, investing works when you buy assets at a low price and sell them at a high price. In this type of investment project, return is known as a capital gain. Selling assets for a profit for a return or capital gain is one way to make money with your investments.
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An Investment Project For Which The Net Present Value Is $300 Would Result In Which Of The Following Conclusions? The Net Present Value Is Too Small; The Project Should Be Rejected. The Net Present Value Method Is Not
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Your question is incomplete. please read below to find the full content.
An investment project for which the net present value is $300 would result in which of the following conclusions?
The net present value is too small; the project should be rejected.
The net present value method is not suitable for evaluating this project; the internal rate of return method should be used.
The rate of return of the investment project is greater than the required rate of return.
The investment project should only be accepted if the net present value is zero; a positive net present value indicates an error in the estimates associated with the analysis of this investment.
Predict the major product for the following transformation, and propose a mechanism for its formation: 21.08a1
The correct product of the transformation derives from the process of alpha halogenation after which there is and E2 elimination. See the attached.
What is Alpha Halogenation?A useful reaction to add leaving groups at the alpha position for subsequent substitution or elimination reactions is alpha halogenation.
Alpha halogenation can occur in basic or acidic environments. See Step I and Step II of the halogenation process attached.
What are the types of halogenation?Halogenation reactions may be divided into two categories:
(A) substitution processes, in which the halogen replaces another atom in the molecule, such as when ethane is chlorinated, and (B) addition reactions, in which the halogen combines with an unsaturated molecule.Learn more about alpha halogenation:
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Typically, the franchisee determines the territory to be served by the franchise. Group of answer choices True False
The False statement about Franchisee is " Franchisee is a method of distributing products or services involving a franchisor "
To find the False statement , we need to know more about Franchisee .
What is Franchisee?A franchise (or franchising) is a method of distributing products or services involving a franchisor, who establishes the brand’s trademark or trade name and a business system, and a franchisee, who pays a royalty and often an initial fee for the right to do business under the franchisor's name and system.
Franchisee in Territorial Rights:
Whether or not the franchisee is granted a form of territorial protection wherein, for example, the franchisor will not grant competing franchises. Typically franchisees will be granted an operating territory within which they are required and restricted to conduct the operations of their franchise business.
The franchise agreement will define where the franchisee may operate the franchised business, who the franchisee may or may not sell products or service to and any protection that may be afforded to franchisee regarding his or her territory.
Thus, we can conclude that the above statement is Typically, the franchisee determines the territory to be served by the franchise is False.
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Expansionary monetary policy has people concerned about future inflation, which is causes an increase in expected inflation. this will?
Expansionary monetary policy has people concerned about future inflation, which is causes an increase in expected inflation. this will cause the Phillips Curve to shift right.
The trade-off between unemployment and inflation in an economy is represented by a Phillips curve. According to Keynesian macroeconomics, a fiscal expansion that moves the aggregate demand curve to the right can end a downturn.
The long-run Phillips curve will move to the right (because the natural rate of unemployment increases) if structural unemployment increases because people' job abilities become obsolete.
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With free trade, that is, assuming no tariff, the outputs produced by domestic and foreign producers would be:_______.
The Correct 1 unit and 15 units are the outputs produced by domestic and foreign producers with free trade assuming there is no tariff.
What is a free trade?This refers to an international business policies that occurs when goods and services can be bought and sold between countries without tariffs, quotas or other restrictions being applied.
This policy tends to increase the volume of international trade among member countries and also allow them to increase their specialization in their respective comparative advantages.
Hence, in the graph given, the Correct 1 unit and 15 units are the outputs produced by domestic and foreign producers with free trade assuming there is no tariff.
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Daniel goleman incorporated ""emotional intelligence"" into six categories of situational leadership. these include?
According to Daniel Goleman there are six emotional leadership styles – Authoritative, Coaching, Affiliative, Democratic, Pacesetting, and Coercive.
What is Goleman's model of emotional intelligence?
Five elements of EQ are listed in Daniel Goleman's theory of emotional intelligence: self-awareness, self-regulation, motivation, empathy, and social skills. The application of emotional intelligence can help achieve objectives and aims and foster a happier and healthier workplace environment.
What does Daniel Goleman say is the most effective style of leadership?
The authoritative leader style of the Goleman Leadership Styles is continually concerned with positively energizing the team to reach objectives that contribute to achieving organizational goals. This leadership style is very effective for motivating team members.
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A buyer contracts to purchase a property from a seller for $212,000. Two weeks before closing, a buyer's agent for another company delivers an offer for $205,000. The listing associate should
The listing associate should present the offer to the seller as a potential backup offer for further negotiation.
Who is a seller?A seller is any person or company who sells a product, service, or financial asset. Short selling is the practice of borrowing securities that are not held in order to sell them and then repurchase them at a reduced price. A "writer" is a seller of options who collects the premium from the buyer.What is an offer?In exchange for something else, a commitment to do or refrain from doing something. An offer must be worded and delivered in such a way that a reasonable person would expect its acceptance to result in a binding contract.Therefore, the listing associate should present the offer to the seller as a potential backup offer for further negotiation.
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Explain the check and balance of power between the legislative and executive branch when it comes to the power to make laws.
Laws are created by the legislative branch, but the President, who is part of the executive branch, has the power to veto them.
How do the legislative and executive branches work together?The day-to-day administration and enforcement of Federal legislation is the duty of the executive branch, through the Federal agencies. The aims and responsibilities of these federal ministries and agencies range greatly, from safeguarding the environment to securing the country's borders.A statute may be subject to the President's veto in the executive branch, but with enough votes, the legislative branch can override the veto.The legislative branch has the authority to ratify presidential appointments, manage the budget, impeach the president and force their resignation.Executive orders, which are akin to proclamations and have legal effect, can be declared by the executive branch, but they can also be ruled unlawful by the judicial branch.Learn more about legislative and executive branches here:
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On december 5, z-mart purchased $1,800 worth of merchandise. on december 7, z-mart returned $800 worth of merchandise. on december 8, it paid the balance in full after taking a 2% discount. the amount of the payment was multiple choice $1,000 $1,600
If it paid the balance in full after taking a 2% discount. The amount of the payment is $980.
Amount of paymentUsing this formula
Cash payment= (Purchased value - returned goods) × (1 - discount rate)
Let plug in the formula
Cash payment= ($1,800 - $800) × (1 - 0.02)
Cash payment= $1,000 × 0.98
Cash payment= $980
Therefore The amount of the payment is $980.
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Which areas of culture need to be specifically addressed by marketers when developing a global marketing plan for their company’s products or services?.
The areas of culture that need to be specifically addressed by marketers when developing a global marketing plan for their company’s products or services is: time and punctuality, customs and taboos, religious beliefs and celebrations, values.
What is marketing?Marketing can be defined as the process of creating brands or product awareness so as to increase sales.
Hence, the areas of culture that need to be specifically addressed by marketers are:
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Cullumber Company is considering purchasing new equipment for $600,300. It is expected that the equipment will produce net annual cash flows of $69,000 over its 10-year useful life. Annual depreciation will be $60,030. Compute the cash payback period. (Round answer to 1 decimal place, e.g. 10.5.) Cash payback period enter the cash payback period in years rounded to 1 decimal place years
The cash payback period is 8.7 years.
Given,
Cullumber Company is thinking about spending $60,300 on new equipment.
Over the course of its 10-year useful life, new equipment will provide net yearly cash flows of $69,000.
Depreciation will cost $60,030 per year.
The payback period is the length of time needed for a project's cash inflows to exceed its initial cash outflow.
A project that delivers a quick return is less dangerous than one that generates the same return over a longer period of time, hence this formula is helpful for risk reduction analysis.
Using the payback period formula we get,
Cash payback period = Cost of new equipment / Annual cash flows
Since, depreciation is not a cash outflow or inflow it will not be considered.
Therefore, Cash payback period = $600,300 / $69,000
= 8.7 years
Hence, the cash payback period is 8.7 years.
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The following information is available for ADT Company, which produces special-order security products and uses a job order costing system. Overhead is applied using a predetermined overhead rate of 55% of direct labor cost. End of Inventories Period Beginnin g of period $ 36,000 9,700 Raw materials $ 59,000 Work in process Finished goods 19,300 34,200 57,000 Cost incurred for the period Raw materials purchases $ 191,000 Factory payroll 150,000 Factory overhead (actual) Indirect materials used 12,000 Indirect labor used 34,500 Other overhead costs 118,500 1. In the Raw Materials Inventory T-account, insert amounts for beginning and ending balances along with purchases and indirect materials used. Solve for direct materials used in the period. 2. Compute the cost of direct labor used for the period. 3. In the Work in Process Inventory T-account, insert amounts for beginning and ending balances along with direct materials used (from part 1), direct labor used (from part 2), and applied overhead. Solve for cost of goods manufactured in the period. 4. In the Finished Goods Inventory T-account, insert amounts for beginning and ending balances along with cost of goods manufactured (from part 3). Solve for cost of goods sold in the period (do not consider any under- or overapplied overhead). 5. In the Factory Overhead T-account, insert amounts for indirect materials used, indirect labor used, other overhead costs, and applied overhead. Solve for underapplied or overapplied overhead. Raw Materials Inventory Work in Process Inventory Beginning Beginning Beginning Beginning Ending Ending Ending Ending Finished Goods Inventory Factory Overhead Beginning Beginning Beginning Beginning 12,000 Ending 0 Ending 34,500 118,500 165,000 Required 1 3 4 and 5 Required 2 Compute the cost of direct labor used for the period. The cost of direct labor for the period Cost of direct labor used
The T-accounts and other computations for ADT Company are prepared as follows:
1. Raw MaterialsAccount Title Debit Credit
Beginning balance $ 36,000
Raw materials purchases $ 191,000
Work in Process $156,000
Factory Overhead 12,000
Ending balance $ 59,000
2. The cost of direct materials used for the period is $156,000.
3. Work in ProcessAccount Title Debit Credit
Beginning balance $ 9,700
Raw materials 156,000
Factory payroll 115,500
Factory overhead applied 63,525
Finished Goods $325,425
Ending balance $ 19,300
4. The cost of goods manufactured in the period is $325,425.
5. Finished GoodsAccount Title Debit Credit
Beginning balance $57,000
Work in Process 325,425
Cost of goods sold $348,225
Ending balance $ 34,200
6. The cost of goods sold in the period is $348,225.
7. Factory OverheadAccount Title Debit Credit
Indirect materials used $ 12,000
Indirect labor used 34,500
Other overhead costs 118,500
Work in Process $ 63,525
Underapplied overhead $101,475
8. The underapplied overhead is $101,475.
9. The cost of direct labor used for the period is $115,500.
Data and Calculations:Beginning Period Ending of period
Raw materials $ 36,000 $ 59,000
Work in process 9,700 19,300
Finished goods 57,000 34,200
Cost incurred for the period:Raw materials purchases $ 191,000
Factory payroll 150,000
Factory overhead (actual):
Indirect materials used 12,000
Indirect labor used 34,500
Other overhead costs 118,500
Direct labor cost = $115,500 ($150,000 - $34,500)
Factory overhead applied = $63,525 ($115,500 x 55%)
Thus, using the T-accounts, the costs of direct materials, direct labor used, goods manufactured, and goods sold are determined.
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By May 25, 1986 every employer must have available for their employees a(n) __________ which meets criteria of the standard for each hazardous chemical in the work place
Safety data sheets are the source of detailed information on a particular hazardous chemical. Employers must maintain copies of SDSs for all hazardous chemicals present in their workplaces.
The Hazard Communication Standard (HCS), 29 CFR 1910.1200 (h), requires all employers to provide information and training to their employees about the hazardous chemicals to which they may be exposed at the time of their initial assignment and whenever a new hazard is introduced into their work area.
Under the Occupational Safety and Health Administration Hazard Communication Standard 29 CFR 1926.59 (29CFR 1910.1200), we are required to obtain and maintain MSDSs for all hazardous substances used in our organization.
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When a property manager or leasing agent discusses office space with a prospective tenant, the first issue that has to be addressed is usually?
When a property manager or leasing agent discusses office space with a prospective tenant, the first issue that has to be addressed is usually the letting or leasing fee. Hence, the correct answer is letting or leasing fee. Read below about the letting or leasing fee.
What is the letting or leasing fee?This is the onset set-up cost for vetting and finding a tenant. It is negotiable and usually charged at the beginning of each rental agreement. Agents also charge a re-leasing fee if current tenants sign a new rental agreement.
Therefore, the correct answer is as given above
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