The case indicates the provision of life insurance policy that It may last for the lifetime of the annuitant.
What is the life insurance policy?A contract between an insurance client and an insurance company in which the insurer agrees to pay a quantity of money in exchange for a premium upon the demise of an insured person or after a specific amount of time is known as life insurance.
In the given case, A head-on collision involves the insured's wife as well. The wife passes away 15 days after the husband, who passes away instantaneously. The firm pays the death benefit to the estates of the beneficiary.
Therefore, This suggests that the life insurance policy may be in effect throughout the entirety of the annuitant's lifespan.
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you work for a company based in phoenix, arizona, which is a very hot and dry area. several people in the research department have reported that even though their files are printing to the laser printer correctly, a much lighter copy of the same text also prints within 2 to 3 cm of the original text. which of the following would most likely fix this type of ghosting image?
This type of ghosting image of the laser printing can be avoided by replacing the imaging drum, as it is probably very old.
The correct option is a.
When an image artefact called "monitor ghosting" happens, it leaves a trail of pixels behind a moving object that resembles motion blur. Because it leaves a trace of the picture that resembles a ghost, this is known as "ghosting."
Ghost prints occur when your printer's fuser or drum unit develops a problem. The markings being created on the paper are considerably lighter in colour and seem more faded than ordinary papers because a problem with this element won't heat the toner particles to a high enough temperature.
The question is incomplete. The complete question is:
You work for a company based in Phoenix, Arizona, which is a very hot and dry area.
Several people in the research department have reported that even though their files are printing to the laser printer correctly, a much lighter copy of the same text also prints within 2 to 3 cm of the original text.
Which of the following would MOST likely fix this type of ghosting image?
a. Replace the imaging drum, as it is probably at end of life.
b. Use pre-printed paper that has been printed with laser-compatible print toner.
c. Remove the jammed paper following its regular path.
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what term best describes a scenario in which an employer subsidizes the purchase of an employee's personal mobile device, giving the employee the option of buying a more expensive device if the employee pays the difference?
The circumstance in which an employer covers a portion of the cost of an employee's personal mobile device, enabling the employee to buy a more expensive device provided they pay the difference, is best described as "shared ownership."
To lessen the owners' financial burden is the most frequent justification for joint ownership of a residence. A joint mortgage application may be made by two or more people, who may then divide the debt equally or unequally. Every applicant's income, credit history, and debt-to-income ratio will be taken into consideration by the lender.
They might not wish to pursue a combined mortgage if one person's credit could adversely affect an application for a mortgage. They might provide the down payment in this situation and allow the person with superior credit to hold the mortgage in their name.
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what are your goals when sending a message that refuses credit? check all that apply. preparing for possible future credit without raising false expectations retaining the customer on a cash basis avoiding disclosures that could cause a lawsuit avoiding language that causes hard feelings
One goal when sending a message that refuses credit is to retain the customer on a cash basis.
Credit is the capacity to get funds on credit, as well as products or services, with the expectation that payment would be made later. Credit comes in a wide variety of ways. Financial or bank credit is the most often used type. These types of credit include lines of credit, mortgages, signature loans, and auto loans. In essence, when a bank loans money to a customer, the borrower receives a credit and is then required to repay the loan at a later time.
One purpose of issuing a letter denying credit is to keep the client on a cash basis. The avoidance of hurtful wording, planning for potential future credit without creating unrealistic expectations, and avoiding disclosures that can result in the legal action are other objectives.
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when an auditor of financial statements has substantial doubt about an entity's ability to continue as a going concern, the auditor most likely would express a qualified or adverse opinion if:
If information about an entity's ability to continue as a going concern is not disclosed in the financial statements, an auditor of financial statements is likely to express an adverse opinion.
Define a qualified or adverse opinion.A remark made in an auditor's report that is attached to a company's audited financial statements is known as a qualified opinion. According to an auditor's judgment, a company's financial information may have been incomplete or there may have been a significant problem with how generally accepted accounting standards (GAAP) were applied, but the problem was not widespread.
With one or more exceptions, the financials often reflect the company's success and position. The financial statements are inaccurate or do not adhere to widely accepted accounting rules, in our opinion (GAAP).
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a company's interest expense is $9,000. its income before interest expense and income taxes is $38,250. its net income is $11,850. the company's times interest earned ratio equals:
The earnings before interest and taxes (EBIT) divided by the total interest due on loans is a financial indicator known as the times' interest earned ratio for the firm.
Times interest earned = net income before interest and tax/ Interest payable
=$38,250/$9,000
= 4.25
This indicates that the business's earnings before interest and taxes are sufficient to pay its interest 4.25 times over.
A company with a times interest earned ratio higher than 2.5 is seen as an acceptable risk from the standpoint of an investor or creditor. Companies are thought to be far more likely to go bankrupt or default if their times' interest earned ratio is less than 2.5.
The given question is incomplete, the complete question is:
A company's interest expense is $9,000. Its income before interest expense and income taxes is $38,250. Its net income is $11,850. The company's times interest earned ratio equals:
(A) 0.235.
(B) 0.76.
(C) 3.23.
(D) 4.25.
(E) 0.31.
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marin company makes several products, including canoes. the company reports a loss from its canoe segment (see below). all its variable costs are avoidable, and $307,500 of its fixed costs are avoidable. segment income (loss) sales $ 1,009,400 variable costs 721,000 contribution margin 288,400 fixed costs 349,000 income (loss) $ (60,600) (a) compute the income increase or decrease from eliminating this segment. (b) should the segment be continued or eliminated?
Contribution margin is the profit that remains after variable costs are deducted from revenue, while gross margin is the profit that remains after the cost of goods sold is deducted from revenue.
What is margin for contributions?According to Knight, "Contribution margin shows you the aggregate amount of revenue available to cover fixed expenses and provide profit to the company after variable costs."This could be thought of as the portion of sales that helps pay for fixed costs.
How is Contribution Margin Calculated?The contribution margin is determined by dividing variable costs by revenue. The formula for determining the contribution margin ratio is Revenue / (Revenue - Variable Costs).
Sales 1009400 0 -1009400 less Variable Costs 721000 0 721000 less Contribution Margin 288400 0 -288400 less Fixed Costs 349000 307500 41500 less Net Income (Loss) -60600 -307500 -246900.
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why does the government usually regulate natural monopolies? a. to ensure that marginal revenue is the same as price b. to make sure that companies profit from their research c. to keep the monopolist from having too much power
To ensure that marginal revenue is the same as price the government usually regulate natural monopolies. (the right option is A). If one company can serve a market more affordably than any combination of two or more enterprises, that market has a natural monopoly.
As an illustration, the utilities sector is a natural monopoly. To cities and towns across the nation, utility monopolies offer water, sewage, electricity transmission, and energy distribution services including retail natural gas transmission. A government market with a natural monopoly is one whose size allows a single vendor to supply the output. A natural monopolist can generate all of the market's product for less money than it would cost if there were several competing company.
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what are some ways marketers use spreadsheet programs?
Answer: Managerial authority over and appreciation for workers' efforts and advancement, Improving the client information base, Keeping a close eye on the market, Keep tabs on how well each product is selling and how much money it's making.
question content area current liabilities are a.payable if a possible subsequent event occurs b.due, but not payable for more than 1 year c.due and receivable within 1 year d.due and to be paid out of current assets within 1 year
Current liabilities are due and to be paid out of current assets within 1 year.
In accounting, current liabilities are often understood as all liabilities of the business that are to be settled in cash within the fiscal year or the operating cycle of a given firm, whichever period is longer.
Current liabilities include accounts payable, short-term debt, dividends and notes payable as well as income taxes owed.
The analysis of current liabilities is important to investors and creditors. This can give a picture of a company's financial solvency and management of its current liabilities.
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What aspect of marketing contains, protects, displays, increases the utility, and promotes a product, as well as conveying the product and brand messages?.
Packaging aspect of marketing contains, protects, displays, increases the utility, and promotes a product, as well as conveying the product and brand messages.
What does "marketing" actually mean?Marketing is the process of creating, sharing, delivering, and exchanging offerings that are beneficial to customers, clients, partners, and society as a whole.
What exactly does marketing's main objective entail?Marketing's main objective is to pique consumers' interest in a company's products or services. This is achieved through market research, analysis, consideration of the interests of a company's ideal clients, and luring them in with messaging that would be educational and advantageous to the target market.
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Roger Wu has decided to buy a new Porsche. Since there are no Porsche dealers in his community, he must travel almost 200 miles to a find a Porsche dealer to purchase the car of his dreams. For Wu, a Porsche is a product. O generic O sought O specialty O shopping O nondurable
Roger Wu has decided to buy a new Porsche. Since there are no Porsche dealers in his community, he must travel almost 200 miles to find a Porsche dealer to purchase the car of his dreams. For Wu, a Porsche is a specialty product.
A product is an item offered for sale. Products are services or items. It can be in physical or virtual or cyber form. All products are made at one price and sold at one price. Calculated prices vary by market, quality, marketing, and target segment.
Commodities are classified into four categories based on consumer habits, prices, and product characteristics: consumer goods, commodity goods, specialty goods, and nondurable goods.
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your training will begin next week on monday at 10 a.m. you will begin by meeting our human resources manager. which is the best revision for the e-mail’s subject line?
Your training will begin next week on Monday at 10 a.m. and you will begin by meeting our human resources manager and new hire schedule is the best revision for the e-mail’s subject line.
Human resources managers set up, coordinate, and direct the executive functions of a corporation. They administrate the recruiting, interviewing, and hiring of latest staff; visit high executives on strategic planning; and function a link between an organization's management and its staff. He maximize worker performance in commission of an employer's strategic objectives.
The subject line of an e-mail is that the single line of text folks see after they receive your e-mail. This one line of text will usually confirm whether or not an e-mail is opened or sent straight to the trash, thus make certain it's optimized for your audience.
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A firm subscribing to the ownership theory of the firm would mainly be concerned with providing value for its:
A. Shareholders
B. Customers
C. Board of Directors
D. Community
A firm subscribing to the ownership theory of the firm would mainly be concerned with providing value for its Shareholders.
The ownership theory of a company aims to maximize shareholders' returns. Increasing shareholder value is a priority. It focuses on how well a company can generate more revenue to last for a long time and give shareholders, the actual owners, adequate returns. If the business is successful, the shareholders will receive higher long-term returns and dividend shares because they will own a larger portion of the business.
Ownership:
It is referred to as ownership when someone has total control over something. With an exclusive legal right, it has the ability and authority to use the relevant resources for output generation.
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you collect antiques and regularly travel the country looking for good deals. in your wanderings, you find an old fiddle and offer the owner $5. the owner accepts, and you take your treasure home. after you get the fiddle home and do your research on it, you discover the fiddle is actually worth $5,000. what a find! what do you think would happen if the owner tried to cancel the contract and get the fiddle back? mistake of value is not a valid defense to a contract, so the owner could not get his fiddle back. mutual mistake is a valid defense to a contract, so the owner could get his fiddle back. mutual mistake is not a valid defense to a contract, so the owner could not get his fiddle back. mistake of value is a valid defense to a contract, so the owner could get his fiddle back.
The thing that will manifest if the proprietor tried to cancel the contract is that A. the mistake of value of not a legitimate protection to a contract so the owner could no longer get his fiddle back.
Option 1 is the right answer because, in order for a contract to be legitimate, all 5 elements need to be present, one of which is a legitimate provide and acceptance through the different party; even at a lower value, it is nonetheless legitimate if no misrepresentation is made through either party.
What is a contract?A legit contract is a legally binding and enforceable agreement. In a respectable contract, both parties are legally certain to carry out the phrases of the agreement.
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https://brainly.com/question/2516442#SPJ4on January 1, 2021 Grundy enterprises purchases in office building for $162,000 paying $42000 down and borrowing the remaining $120000, signing a 8% 10-year mortgage. installment payments of $1455.93 are due at the end of each month with the first payment due on January 31, 2021
The journal of the purchase of the building on January 1, 2021 will be:
Dr Building $162,000Cr Cash $42,000Cr Notes Payable $120,000(Being purchase of building)A journal entry refers to the act of holding or creating records of any transactions either economic or non-economic. Transactions are listed in an accounting journal that performance a company's debit and credit balances.
Based on the scenario we know that Gundy enterprises purchases an office building for the amount of $162,000 that it can be meant if they paid $42000 down and as well borrowed the remaining amount of $120,000 the journal entry to Record the purchase of the building on January 1, 2021 will be :
Dr Building $162,000
Cr Cash $42,000
Cr Notes Payable $120,000
(Being purchase of building)
The missing part in the question is shown below:
On January 1, 2021 Grundy enterprises purchases in office building for $162,000 paying $42000 down and borrowing the remaining $120000, signing a 8% 10-year mortgage. installment payments of $1455.93 are due at the end of each month with the first payment due on January 31, 2021.
Required:
Record the purchase of the building on January 1, 2021.
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what are factors that are currently negatively affecting the russian economy? (choose every correct answer.)
The factors that are currently negatively affecting the Russian economy includes:
An aging population and low birthrate that are leading to a shrinking population.International sanctions on Russia in response to its interference in foreign democratic elections.Widespread corruption that creates ethical dilemmas for foreign companies that might otherwise want to operate in the country.What problem is Russia facing?Based on current data, the Russian economy has been underperforming for 15 years due to poor institutions such as weak rule of law, poor protection of property rights, corruption and consequentially relatively low domestic and foreign investment. Now because of the war, the Russian economic prospects have gone from lackluster to dreadful.
Missing options "An aging population and low birthrate that are leading to a shrinking population. International sanctions on Russia in response to its interference in foreign democratic elections. Widespread corruption that creates ethical dilemmas for foreign companies that might otherwise want to operate in the country".
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true or false: a company holding the major brand in the supply chain does not have to be concerned about negative media perceptions of unethical supplier practices because these suppliers are independently-owned businesses.
False, Because these suppliers are independently-owned businesses, a company holding the major brand in the supply chain need not worry about negative media perceptions of unethical supplier practices.
The management of the flow of goods and services between businesses and locations, including all procedures that turn raw materials into finished goods, is known as supply chain management in the business world.
Globalization in the context of supply chain management describes the process by which a business conducts its operations on a global scale. Trade globalization gives businesses the chance to reach new consumers in new markets, which drastically changes how successful manufacturers must conduct their business.
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sarah and james hernandez purchased 320 shares of macy’s stock at $15 a share. one year later, they sold the stock for $35.00 a share. they paid a broker a commission of $7 when they purchased the stock and a commission of $11 when they sold the stock. during the 12-month period the couple owned the stock, macy’s paid dividends that totaled $2.05 a share. calculate the hernandezes’ total return for this investment.
The overall return on investment for the Hernandezes is $7038.
What is the return on investment?Return on investment (ROI) or return on costs (ROC) is a time-dependent ratio of net income to investment (costs resulting from an investment of some resources at a point in time). A high ROI shows that the benefits outweigh the expenses of the investment. ROI is a performance indicator that is used to measure the effectiveness of an investment or to evaluate the efficiencies of many investments. What is considered a "good" ROI depends on factors such as the investor's risk tolerance and the time it takes to recoup their investment. All other things being equal, risk-averse investors may accept lower returns if they take less risk. Similarly, an investment that takes a long time to pay back needs a higher ROI to be attractive to investors.
The most common way to calculate is: net income divided by total investment cost
ROI = net income / investment cost x 100.
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the west Division of Cecchetti Coporation had average operating assets of $240,000 and net operating income of $42,200 in August. The minimum required rate of return for performance evaluation purposes is 19%
What was the West Division minimum required return in August ?
The right answer is $45,600
The minimum necessary return for the West Division in August is $ (3,400) Negative
What minimum rate of return is necessary?The required rate of return (RRR) is the lowest rate of return an investor will accept for holding shares of a company in exchange for a certain amount of stock-related risk. In corporate finance, the RRR is also used to evaluate the profitability of new investment projects.
How to calculate the minimum necessary return.The difference between the Net Operating Income and the Minimum Required Return would be used to determine the residual income for the West Division in August.
= $42,200 – ($240,000 x 19%)
= $42,200 - $45,600
= (-3,400)$ Negative
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assuming the market rate is still 14%, what price would a second investor pay the first investor on june 30, 2026, for $14,000 of the bonds?
Assuming the market rate is still 14%, the price a second investor will pay the first investor is $21840.
How to determine the market value of bonds?We should understand that market rate entails the percentage accrued on a n investment over a period of time.
The given parameters are
number of years = 4 years
Current value of the bond = $14,000
Now express 14% of 14000 by 4 years
This implies 0.14*14000*4
=$7840
Now add the percentage for 4 years to the initial value of the bond to get
14000+7840
=$21840
In conclusion, the second investor would pay the first investor the sum of $21840 the year 2026
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which area(s) represent the amount of consumer surplus domestic consumers will enjoy after the tariff has been imposed?
According to the graph A + B + C + D + E + F + G it represent the amount of consumer surplus domestic consumers will enjoy after the tariff has been imposed.
What concept will be applied when the domestic nation acts as a price taker, and its consumption and production have no impact on the global price?Due to its tiny size in comparison to global markets, the domestic market is a price taker, and neither its production nor consumption affects global prices. Therefore, the nation uses the international price as the domestic price for any good, service, or resource.
What distinguishes a tariff imposed by a big country from a small country's tariff?Due to its size, the huge nation's tariff not only lowers the amount of the thing that is sought, but it also could lower the product's global price.
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The sales philosophy and process that emphasizes a commitment to maintaining customer relationships over the long term and investing in opportunities that are mutually beneficial to all parties is known as ________ selling.
The sales process and mindset that place a strong emphasis on a dedication to long-term client relationships and investing in prospects that seem to be mutually beneficial Relationship marketing
How does relationship selling work?When using the relationship selling strategy, a salesperson puts their relationship with the consumer before all other elements of the sale. They build trust before making an effort to close, usually by providing value and investing a lot of time with prospects.
What different forms might relationship selling take?Transactional, functional, affiliative, & strategic interactions are the four different kinds of connections between buyers and sellers. The four fundamental sales techniques that salespeople employ are needs-satisfaction marketing, consultative selling, strategic partner selling, and script-based selling.
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michele is single with no dependents and earns $32,000 this year. michele claims exempt on her form w-4. which of the following is correct concerning her form w-4? a.michele may not under any circumstances claim exempt. b.michele's employer will require her to verify that she had no tax liability and expects to have none this year. c.michele's employer will submit a copy of her w-4 to the irs if directed to do so by written notice. d.michele's employer must require her to prepare a corrected form w-4 under any circumstances. if michele is unwilling to update her form w-4, then her employer should disregard her form w-4 and withhold at the single taxpayer rate with no allowances. e.none of these choices are correct.
Answer: a
Explanation:
what is true about lead time? group of answer choices it does not tell you how much inventory is in your process it tells you who will lead the evaluation of cycle time it only useful to identify how much inventory is delaying the output of work it tells you how long the customer needs to wait until product is completed
Lead time is the period of time from the morning of a procedure to its completion.
In the pre-processing, processing, and post-processing stages of the manufacturing, force chain, and design operation processes, businesses estimate supereminent times. They can identify inefficiencies by comparing results to destined marks. Streamlining processes and boosting productivity can increase affairs and profit.
Longer lead times, still, have a negative impact on the manufacturing and deals processes. Lead time describes the quantum of time demanded to perform a procedure from launch to finish. Lead time in manufacturing constantly refers to the quantum of time it takes to produce a product and deliver it to a client.
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Match the five characteristics of digital marketing with their appropriate definitions.
I. Addressability
II. Interactivity
III. Accessibility
IV. Connectivity
V. Control
The five characteristics of digital marketing with their appropriate definitions are
AddressabilityThe marketer's capacity to recognize customers before they buy
InteractivityCustomers' ability to communicate directly with the business about their needs and wants in response to its marketing communications
AccessibilityThe capacity of market researchers to acquire digital information
ConnectivityThe capacity for customers to connect with both merchants and with one another, as well as with other customers.
ControlThe capability of the consumer to control the information that they view, as well as the frequency and duration of their exposure to that information
What is digital marketing?Generally, The Internet and other online-based digital technologies, such as desktop computers, mobile phones, and other digital media and platforms, are all examples of digital technologies that are used in digital marketing, which is the subset of marketing that makes use of these technologies to promote products and services.
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attracting is the role of marketing. engaging is the role of sales. delighting is the role of services. true false
The purpose of marketing is to draw people in, which is true. The function of sales is to engage. The function of services is to delight.
What happens in the inbound marketing attract phase?The Attract stage is the first phase in the inbound marketing process. In this stage, you use content, SEO, and other techniques to draw outsiders to your website and convert them into visitors.
What function does a happy consumer serve?"To exceed expectations and leave a lasting impact for the customer" Even if you maintain a happy customer base, it's still simple for them to depart. If customers are pleased, it is harder for them to find another place to spend their money.
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Which of the following provides a suite of integrated software modules for finance and accounting, human resources, manufacturing and production, and sales and marketing that allows data to be used by multiple functions and business processes?
The ERP system offers a collection of integrated software modules for manufacturing and production, sales and marketing, finance and accounting, and human resources that enables data to be used by numerous business processes.
How does ERP operate and what does it do?
Business organizations use a class of software known as "enterprise resource planning" (ERP) to keep track of routine tasks like accounting, purchasing, project management, risk management, and compliance.
Enterprise performance management, a piece of software that aids in planning, budgeting, forecasting, and reporting financial outcomes for an organization, is also a component of a full ERP suite.
ERP systems enable data to flow between various business processes and connect them all together. ERP systems provide data integrity with a single source of truth by gathering an organization's shared transactional data from various sources, eliminating data duplication.
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what are the differences among the weak, semi-strong, and strong forms of the efficient market hypothesis?
Weak Form EMH: All past information like historical trading prices and volume data is reflected in the market prices. Semi-Strong EMH: All publicly available information is reflected in the current market prices.
Describe trading. How does it function?Trading, in its simplest form, is the act of acquiring and disposing of financial assets (such as stocks, currencies, and indices) with the goal of making money from changes in their price movements.
Is switching careers a sensible move?If you have the correct knowledge and strategy, you might be able to make a solid career from the markets. When a person moves from the cash market to the derivative market, leverage can be their friend. Other professions include becoming a researcher or a trainer. A Research Analyst or Investment Advisor with a SEBI certification can engage in consulting.
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The following cost information pertained to the Violin Division of Stringing Music Co. and was based on monthly demand and sales of 100 units: Per-Unit Costs Variable production costs: Direct materials $120 Direct labor 150 Variable factory overhead 60 Fixed production costs: Depreciation (equipment) 20 Factory rent 48 Other 12 Total production cost $410 Variable selling & administrative costs $24 per unit Fixed selling & administrative costs $36 per unit Given a normal selling price per unit of $750, what is the contribution margin per unit sold for recurring (i.e., normal) sales? $336. $316. $276. $396. $630.
Option (d), the contribution margin per unit sold for recurring revenue is $396. (i.e., normal)
How much contribution margin do you get each unit?The selling price of one unit of products less the variable costs associated with producing that unit constitutes the contribution margin per unit. Each sale provides a certain amount to covering fixed costs, which is known as the contribution margin per unit. It will show how much profit is made per unit sold after the fixed costs are paid.
Making repeating sales contribution margin calculations for each unit sold. Using this equation
Contribution margin per unit = Selling price (per unit) - (Direct material + Direct labor + Variable factory overhead)- Variable selling & administrative costs
Putting numbers in the formula,
Contribution margin (per unit) = $750 - ($120+ $150 + $60) - $24
Contribution margin (per unit) = $750 - $330 - $24
Contribution margin (per unit)= $396
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when a division is operating at full capaacity, and another division request to buy some of its product, the minimum transfer price that the selling division will accept is computed by
the minimum transfer price that the selling division will accept is computed by adding variable costs and lost contribution margin per unit. Correct! This is the correct computation for the minimum transfer price.
A business that moves products among its various divisions must establish a transfer price so that each division can monitor its own effectiveness. To calculate the minimum transfer price, businesses will employ a variety of techniques, taking into account various production-related costs as well as the price at which the products would typically be sold in the retail sector.
The given question is incomplete, the complete question is :
When a division is operating at full capacity, and another division request to buy some of its product, the minimum transfer price that the selling division will accept is computed by
Select one:
a. adding variable costs and lost contribution margin per unit.
b. subtracting lost contribution margin per unit from variable costs.
c. adding opportunity cost and lost contribution margin per unit.
d. adding fixed costs to lost contributions margin per unit.
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