Which environmental force did Unibic use in segmenting its market? What is this force about?

Answers

Answer 1

going home from my phone number I was so I could go back and I don't know how much we are not to mention to get to see you have been trying my


Related Questions

Technoid Inc. sells computer systems. Technoid leases computers to Lone Star Company on January 1, 2018. The manufacturing cost of the computers was $130,000. This noncancelable lease had the following terms: Lease payments: $23,000 semiannually; first payment at January 1, 2018; remaining payments at June 30 and December 31 each year through June 30, 2022. Lease term: five years (10 semiannual payments). No residual value; no purchase option. Economic life of equipment: five years. Implicit interest rate and lessee's incremental borrowing rate: 5% semiannually. What is the outstanding balance of the lease liability in Lone Star's December 31, 2018, balance sheet

Answers

Answer:

$89,350

Explanation:

Calculation to determine the outstanding balance of the lease liability in Lone Star's December 31, 2018, balance sheet

First step is to calculate the Balance after first payment

Initial lease liability $130,000

Less: First payment $23,000

Balance after first payment $107,000

Second step is to calculate the Interest expense for June 30,2021

Interest expense for June 30,2021= $107,000*5%

Interest expense for June 30,2021=$5,350

Third step is to calculate the Principal payment for June 30,2021

Principal payment for June 30,2021=$23,000-$5,350

Principal payment for June 30,2021=$17,650

Now let calculate the Outstanding balance on June

Balance after first payment. $107,000

Less: Principal payment for June $17,650

Outstanding balance on June $89,350

Therefore the outstanding balance of the lease liability in Lone Star's December 31, 2018, balance sheet is $89,350

8. What is an example of a situation in which a shortage is caused by a change in
supply?

Answers

Answer:

Temporary supply constraints, e.g. supply disruption due to weather or accident at a factory.

Fixed prices – and unexpected surge in demand, e.g. demand for fuel in cold winter.

Government price controls, such as maximum prices.

Monopoly which restricts supply to maximise profits.

Limitations of managerial economics

Answers

Managerial economics usually deals with the application of theories ,concepts and tools to solve the real life business problems. There are some drawbacks of this managerial economics too. Sometimes the business problems becomes very unique that the theories and methodologies becomes unable to solve the problem.

The Manchester Corporation manufactures wooden pictures frames. In order to better manage costs, the Manchester Corporation had previously developed the following standards for the manufacture of its product:
Each unit should have 3/4 of a pound of direct materials purchased at $12 per pound.
Each unit should be produced in 48 minutes at a direct labor cost of $16 per hour. The company had the following detailed retails:
Actual production was 20,000 units using 14,600 pounds of direct materials at a total cost of $168,000 and required 11,000 direct labor hours at a total cost of $190,000.

Answers

Questions

The Manchester Corporation manufactures wooden pictures frames. In order to better manage costs, the Manchester Corporation had previously developed the following standards for the manufacture of its product:

Each unit should have 3/4 of a pound of direct materials purchased at $12 per pound.

Each unit should be produced in 48 minutes at a direct labor cost of $16 per hour. The company had the following detailed retails:

Actual production was 20,000 units using 14,600 pounds of direct materials at a total cost of $168,000 and required 11,000 direct labor hours at a total cost of $190,000.

What is the company cost variance related to direct labour

Answer:

Direct labour cost total Variance  = $66,000 favorable

Explanation:

The direct labor cost total variance is the difference between standard labour cost of the actual production achieved and the actual labour cost.

The standard labour cost of labour per unit of output is not given. So, we work it out first

Standard labour cost per unit= 48/60× $16= 12.8 per unit

                                                                                                   $

20,000 units should have cost (20,000× 12.8)                256,000

but did cost                                                                         190,000

Direct labour cost total Variance                                       66,000 favorable

Direct labour cost total Variance  = $66,000 favorable

The Direct Labor cost variance is $66,000.

What is labor cost variance?

It is the difference between the standard and actual labor cost required to produce goods or services.

Labor cost variance= Standard Cost of Labor Actual Cost of Labor .

Given:

1 unit=3/4th pound of direct material at the rate $12/ pound

1 unit takes 48 minutes

Direct labor cost=$16/ hour

Actual production=20,000 units

Direct material required = 14,600 pounds

Total cost=$168,000

Required - direct labor hours=11,000 at total cost $190,000.

Standard labor cost per unit= time taken to complete 1 unit X hourly Rate of labor

= 48/60× $16= 12.8 per unit

Standard Cost of labor (20,000× 12.8)                    $256,000

Less-Actual  Cost of labor  (given)                          $190,000

Direct labor cost Variance                                       $66,000

Therefore, the Labor cost variance is $66,000.

Learn more about Labor cost variance here:

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The Gardner Company, a client of your firm, has come to you with the following problem. It has three clerical employees who must perform the following functions:
a. Maintain the general ledger
b. Maintain the accounts payable ledger
c. Maintain the accounts receivable ledger
d. Prepare checks for signature
e. Maintain the cash disbursements journal
f. Issue credits on returns and allowances
g. Reconcile the bank account
h. Handle and deposit cash receipts
Assuming equal abilities among the three employees, the company asks you to
assign the eight functions to them to maximize internal control. Assume that these employees will perform no accounting functions other than the ones listed.

Answers

Answer:

16

Explanation:

lol

Merchandise that is priced significantly lower than what customers expect to pay is likely to remain unsold.
a) True
b) False

Answers

B it’s false bc everyone would buy it

Harold Reese must choose between two bonds: Bond X pays $82 annual interest and has a market value of $710. It has 10 years to maturity. Bond Z pays $88 annual interest and has a market value of $750. It has five years to maturity. Assume the par value of the bonds is $1,000.
a. Compute the current yield on both bonds.
b. Which bond should he select based on your answers to part a?
c. A drawback of current yield is that it does not consider the total life of the bond. For example, the approximate yield to maturity on Bond X is 13.44 percent. What is the approximate yield to maturity on Bond Z? The exact yield to maturity?

Answers

Answer:

a)  For Bond X = 11.55%

    For Bond Z = 11.73 %

b) Bond Z

c) Approximate YTM = 15.77%

  Exact yield to maturity = 16.53 %

Explanation:

Bond X : pays $82 annual interest , market value = $710 and years to maturity =10

Bond Z: pays $88 annual interest, market value = $750 , Years to maturity= 5

par value of bonds = $1000

a) Current yield on both bonds

For Bond X :  annual interest / market value =  82 / 710 = 11.55%

For Bond Z :  Annual interest / market value = 88 / 750  = 11.73%

b) The Bond that should be selected = Bond Z

C) Calculate the approximate yield to maturity on Bond Z and exact yield to maturity

i) Yield to maturity on Bond Z

[C + (Par Value - Current Value) / n] / (Par Value + Current Value) / 2

where: C = 88 , par value = 1000, Current value = $750, n = 2

∴ YTM on Bond Z = 0.1577 = 15.77%

ii) Exact yield to maturity = 16.53 %

_____________ is when your company makes an effort to actively control and shape your brand image with your target market.
A.
Market penetration
B.
Market segmenting
C.
Data mining
D.
Market positioning

Answers

The answer to the question is C

Answer:  

D. (Market positioning)

Explanation:

The definition is pretty much in the question itself! hope this helps

Nie choice
Remedies available to a patent owner whose patent rights have been infringed include all of the following except
- an injunction
- attorney fees
- maximum monetary damages
- minimum monetary damages

Answers

Answer: maximum monetary damages

Explanation:

Answer: attorney fees

Explanation:

edge 2021

Which of the following explains why people became more malnourished after society started relying on agriculture
rather than hunting and gathering?
Commodities were exchanged using money, which was not equally available.
Commodities were often difficult to grow in areas where conditions suited societies
Commodities were controlled by the social elite and the food was not divided evenly
Commodities were found to be too much work for too little money so few people grew crops

Answers

Answer:

the answer would be the second one :)

You have been hired by KOKO MESSIAH GROUP to lead its local and international expansion efforts. Considering that KOKO MESSIAH GROUP already has products which its markets on a small scale locally, it has become imperative that it makes additions to its current product variants, as well as promote these new and existing products in markets other than its existing markets. Propose four relevant strategies and the key marketing mix decisions you have to make in achieving its expansion objectives.

Answers

Answer:

Explanation:

The marketing mix is the set of controllable, tactical marketing tools that a company uses to produce a desired response from its target market. It consists of everything that a company can do to influence demand for its product. It is also a tool to help marketing planning and execution.

The four Ps of marketing: product, price, place and promotion

The marketing mix can be divided into four groups of variables commonly known as the four Ps:

Product: The goods and/or services offered by a company to its customers.

Price: The amount of money paid by customers to purchase the product.

Place (or distribution): The activities that make the product available to consumers.

Promotion: The activities that communicate the product’s features and benefits and persuade customers to purchase the product.

Marketing tools

Each of the four Ps has its own tools to contribute to the marketing mix:

Product: variety, quality, design, features, brand name, packaging, services

Price: list price, discounts, allowance, payment period, credit terms

Place: channels, coverage, assortments, locations, inventory, transportation, logistics

Promotion: advertising, personal selling, sales promotion, public relations

Marketing strategy

An effective marketing strategy combines the 4 Ps of the marketing mix. It is designed to meet the company’s marketing objectives by providing its customers with value.

The 4 Ps of the marketing mix are related, and combine to establish the product’s position within its target markets.

HHEEELPPS
PLZZZZZZZZZZZZZ

Answers

Where his skills would be needed

The capital budgeting committee of the Caldwell Pipe Corporation is evaluating the possibility of replacing its old pipe-bending machine with a more advanced model. Information on the existing machine and the new model follows: Existing machine New machine Original cost $200,000 $400,000 Market value now 80,000 Market value in year 5 0 20,000 Annual cash operating costs 40,000 10,000 Remaining life 5 yrs 5 yrs Refer to Caldwell Pipe Corporation. If the company buys the new machine and disposes of the existing machine, corporate profit over the five-year life of the new machine will be ________ than the profit that would have been generated had the existing machine been retained for five years.

Answers

Answer:

Caldwell Pipe Corporation

If the company buys the new machine and disposes of the existing machine, corporate profit over the five-year life of the new machine will be ___$150,000_____ than the profit that would have been generated had the existing machine been retained for five years.

Explanation:

a) Data and Calculations:

                                                    Existing machine    New machine

Original cost                                     $200,000              $400,000

Market value now                                 80,000

Market value in year 5                          0                           20,000

Annual cash operating costs               40,000                   10,000

Remaining life                                        5 yrs                       5 yrs

Total cash operating costs             $200,000               $50,000

Difference between the annual cash operating costs = $150,000 ($200,000 - $50,000)

b) Corporate profit is based on the difference between the net revenue and the cost of operations.  With the old machine, the total cash operating costs after 5 years will be $200,000 ($40,000 * 5).  On the other hand, with the new machine, the total cash operating costs after 5 years will be $50,000 ($10,000 * 5).  This makes an operating cost difference of $150,000 ($200,000 - $50,000).

A consulting engineering firm wants to make a preliminary cost estimate for the design/construct of an e-commerce warehouse facility in the south of the country. The firm completed a similar project in 2012 that had a construction cost of $70 million, and it wants to use the ENR Construction Cost Index (CCI) to update the cost. If the index value in 2012 was 8802 and today it is 12,250, determine the estimated cost of the facility today. (Note: CCI values may be different on its website.)

Answers

Answer: $97,421,041

Explanation:

Cost for the facility in 2012 = $70 million

Construction Cost Index in 2012 = 8802

Construction Cost Index today = 12250

The estimated cost of the facility today will be:

= Cost of facility in 2012 × (CCI today / CCI in 2012)

= 70,000,000 × 12250/8802

= $97,421,041

The estimated cost of the facility today is $97,421,041.

Kayla is an accountant who donates her services to the Allegro Chorale, a nonprofit arts organization in Odessa, Texas. Kayla prepares monthly financial statements for Allegro for all of the following reasons EXCEPT _______. a. Kayla can identify underserved marketing segments and recruit them to join the Allegro Chorale b. Kayla can generate awareness of and long-term benefits for the Allegro Chorale c. donated services create goodwill d. donating her services helps Marci make personal contacts in the community

Answers

Answer: a. Kayla can identify underserved marketing segments and recruit them to join the Allegro Chorale

Explanation:

Some of the reasons why Kayla prepares the monthly financial statement will be to create goodwill, and help generate long term awareness for the organization.

We should note that the identification of underserved marketing segments and then recruiting them to join the Allegro Chorale isn't the role of Kayla, therefore this isn't one of the reason that she's preparing the financial statement.

Cement Company, Inc. began the first quarter with 1,000 units of inventory costing $25 per unit. During the first quarter, 3,000 units were purchased at a cost of $40 per unit, and sales of 3,400 units at $65 per units were made. During the second quarter, the company expects to replace the units of beginning inventory sold at a cost of $45 per unit. Cement Company uses the LIFO method to account for inventory. What is the correct journal entry to record cost of goods sold at the end of the first quarter

Answers

Answer:

Calculation of Cost of Goods sold under LIFO:

For 3,000 units (3000*40)                                      $120,000

For 400 units (400*25)                                              $10,000

Add: Excess of replacement cost over historical     $8,000

cost of LIFO liquidation (400*(45-25))                    

Cost of Goods sold under LIFO                                $138,000

                                     Journal entry  

Date    Account Titles and Explanation       Debit           Credit

            Cost of Goods sold                        $138,000

                     Inventory  (120000+10000)             $130,000

                     Excess of replacement cost over              $8,000

                     historical cost of LIFO liquidation

DeShawn wants to fill out a financial application For post secondary education. What personal Information does DeShawn Most likely need to fill Out the application?
His income
His childhood address
His extracurricular activities
His grade point average in high school.

Answers

Answer:his income

Explanation:

His income should be need to fill out the application.

The following information should be considered:

Since the person wants to fill out the financial application. So here only his income needs to fill so that his earning capacity should be known. The address, extracurricular activities, and the grade point should not be relevant in the given situation.

Therefore we can conclude that His income should be need to fill out the application.

Learn more: brainly.com/question/16115373

Rare earth metals are used in the production of many of the personal electronic devices you use every day. Suppose there is an unexpected decrease in the price of rare earth metals. a. The decrease in price of rare earth metals will lead to negative cost-push inflation. demand-pull inflation. an increase in expected inflation. negative demand-pull inflation. b. Illustrate the effect of the decrease in the price of rare earth metals by making the appropriate adjustments to the Phillips curve.

Answers

Answer:

a. negative cost-push inflation

b. Phillips Curve will shift right

Explanation:

a. Cost push inflation occurs when the costs of inputs such as wages and material costs increases. This leads to an increase in prices because producers will have to increase prices to make a profit.

In this scenario, material prices dropped instead of increasing. A negative cost-push inflation will therefore happen.

b. This will lead to a shift right in the Phillips curve to reflect that inflation has fallen. It will increase the output gap between Potential and Actual GDP because a lower inflation means more unemployment which means the economy is shrinking.

The black dot will shift right to (0, -2)

Select the examples that best demonstrate likely tasks for Health, Safety, and Environmental Management workers. Check all that apply.

Donovan inspects facilities, and enforces laws and regulations.
April drives a train safely and carefully.
Chuck collects samples of materials for analysis.
Leif repairs broken equipment in a factory.
Elise takes orders, and sells products to customers.
Shayla teaches others how to use equipment safely

Answers

Answer:

It is Donovan, Chuck, and Shayla. Or 1, 3, and 6. Or A, C, and F.

Explanation:

I just did the instruction on edge. Good luck finishing this year up :)

Answer:

136 is correct!

Explanation:

credits to the other person

How can our perceptions help us to choose the channel for our message?
a.
Sharing our perceptions will encourage our receivers to tell us what channel to use.
b.
Perceptions do not help us to choose the channel for our message.
c.
Perceptions about our receiver can help us to decide on the most appropriate channel.
d.
none of the above

Answers

The best answer to go with is b

Answer:

b was not correct on edge

Explanation:

Sual Company purchased a tractor at a cost of $180,000. The tractor has an estimated salvage value of $20,000 and an estimated life of 8 years, or 12,000 hours of operation. The tractor was purchased on January 1, 2019 and was used 2,400 hours in 2019 and 2,200 hours in 2020. What method of depreciation will produce the maximum depreciation expense in 2020

Answers

Answer:

Double-declining balance

Explanation:

Calculation to determine What method of depreciation will produce the maximum depreciation expense in 2020

Based on the information given we would be using the Straight-Line method, Double-declining balance and Units of production to determine the method of depreciation that will produce the maximum depreciation expense in 2020

Straight-Line method =($180,000 ‒ $20,000) / 8 Straight-Line method= $20,000 per year

Double-declining balance= $180,000 × (1/8 × 2)

Double-declining balance= $45,000 for 2019

Double-declining balance= ($180,000 ‒$45,000) × 1/4

Double-declining balance= $33,750 for 2020

Units of production=($180,000 - 20,000) × (2, 200 hours / 12,000 hours)

Units of production=$160,000*0.1833333

Units of production = $29,333 for 2020

Therefore the method of depreciation that will produce the maximum depreciation expense in 2020 is DOUBLE-DECLINING METHOD.

Kumar Inc. uses a perpetual inventory system. At January 1, 2020, inventory was $214,000,000 at both cost and realizable value. At December 31, 2020, the inventory was $286,000,000 at cost and $265,000,000 at realizable value. Prepare the necessary December 31 entry under (a) the cost-of-goods-sold method (b) Loss method. g

Answers

Answer:

A. Dr Cost of Goods Sold $21,000,000

Cr Allowance to Reduce Inventory to Market $21,000,000

B. Dr Loss Due to Market Decline of Inventory $21,000,000

Cr Allowance to Reduce Inventory to Market $21,000,000

Explanation:

A.Preparation of the necessary December 31 entry under the cost-of-goods-sold method

COST-OF-GOODS-SOLD METHOD

Dr Cost of Goods Sold $21,000,000

Cr Allowance to Reduce Inventory to Market $21,000,000

($286,000,000 - $265,000,000)

B.Preparation of the necessary December 31 entry under the Loss method

LOSS METHOD

Dr Loss Due to Market Decline of Inventory $21,000,000

Cr Allowance to Reduce Inventory to Market $21,000,000

($286,000,000 - $265,000,000)

Gundy Company expects to produce 1,304,400 units of Product XX in 2020. Monthly production is expected to range from 87,000 to 127,000 units. Budgeted variable manufacturing costs per unit are: direct materials $4, direct labor $7, and overhead $9. Budgeted fixed manufacturing costs per unit for depreciation are $4 and for supervision are $1.
In March 2020, the company incurs the following costs in producing 107,000 units: direct materials $455,000, direct labor $746,000, and variable overhead $971,000. Actual fixed costs were equal to budgeted fixed costs.
Prepare a flexible budget report for March. (List variable costs before fixed costs.)

Answers

Answer:

                             Gundy Company

             Manufacturing Flexible Budget Report

             For the Month Ended March 31, 2020

                                   Budget                Actual

Units produced         107,000               107,000  

Variable Costs:

Direct Materials        $428,000            $455,000      $27,000 U

                                 ($4 * 107,000)

Direct labor               $749,000             $746,000      $3,000 F

                                  ($7 * 107,000)

Overhead                   $963,000            $971,000      $8,000 U

                                  ($9 ×* 107,000)

Total variable costs  $2,140,000          $2,172,000  $32,000 U

Fixed Costs:

Depreciation                $434,800           $434,800     $0

Supervision                  $108,700            $108,700      $0

Total fixed costs          $543,500          $543,500     $0

Total costs                   $2,683,500         $2,715,500    $32,000 U

Workings:

Depreciation = (1,304,400 * $4) / 12 = $5,217,600 / 12 = $434,800

Supervision = (1,304,400 * $1) / 12 = $1,304,400 / 12  = $108,700

Bramble Corp. makes and sells umbrellas. The company is in the process of preparing its Selling and Administrative Expense Budget for the last half of the year. The following budget data are available: Variable Cost Per Unit Sold Monthly Fixed Cost Sales commissions $0.60 $ 6000 Shipping 1.20 Advertising 0.30 Executive salaries 39000 Depreciation on office equipment 7200 Other 0.35 24000 Expenses are paid in the month incurred. If the company has budgeted to sell 6000 umbrellas in October, how much is the total budgeted variable selling and administrative expenses for October

Answers

Answer:

$93,840

Explanation:

Calculation to determine how much is the total budgeted variable selling and administrative expenses for October

October Total budgeted variable selling and administrative expenses=

(0.6 + 1.2 + 0.3 + 0.35) x 7200 +6000 + 39,000 + 7,200 + 24,000

October Total budgeted variable selling and administrative expenses=2.45x 7200 +6000 + 39,000 + 7,200 + 24,000

October Total budgeted variable selling and administrative expenses=$17,640+6000 + 39,000 + 7,200 + 24,000

October Total budgeted variable selling and administrative expenses=$93,840

Therefore the total budgeted variable selling and administrative expenses for October is $93,840

Milano Gallery purchases the copyright on a painting for $420,000 on January 1. The copyright is good for 10 more years, after which the copyright will expire and anyone can make prints. The company plans to sell prints for 19 years. Prepare entries to record the purchase of the copyright on January 1 and its annual amortization on December 31.

Answers

Answer:

Jan 01

Dr Copyright $418,000

Cr Cash $418,000

Dec 31

Dr Amortization expense—Copyright $41,800

Cr Accumulated amortization—Copyright $41,800

Explanation:

Preparation of the entries to record the purchase of the copyright on January 1 and its annual amortization on December 31.

Jan 01

Dr Copyright $418,000

Cr Cash $418,000

(To record purchase of copyright)

Dec 31

Dr Amortization expense—Copyright $41,800

Cr Accumulated amortization—Copyright $41,800

($148,000/10 years)

(To record annual amortization)

explain the following definition of marketing ethics

Answers

Answer:

Explanation:

The concept of ethical marketing refers to the way in which companies and / or enterprises market their goods and services: the focus does not only revolve around the benefits of their offer for customers, but also on how they impact on causes and / or responsible actions with society and / or the environment ..

​M&M's Proposition II suggests that in a world of no taxes and no​ bankruptcy, ________. A. in simple​ terms, as the firm adds more debt to the financing​ mix, the shareholders require a higher and higher return on equity such that it exactly offsets the use of the cheaper debt B. no matter what the debtequity ratio​ is, the Ra or WACC of the firm increases with debt C. the value of the firm is sensitive to the funding choice between debt and equity D. Statements​ A, B, and C are all incorrect.

Answers

Answer:

A

Explanation:

Which of the following is a purpose for documentation of report data? Check all that apply. To include good data from reputable sources. To borrow ideas without giving credit. To keep you honest. To convince readers of your credibility and the logic or your reasoning.

Answers

Answer:

I. To include good data from reputable sources.

II. To convince readers of your credibility and the logic or your reasoning.

Explanation:

An information source can be defined as a system or medium through which informations, knowledge and ideas may be gotten and used by an individual. An information source can either be a primary or secondary source of information. The source options for informations are television, radio, web, newspapers, journals, magazines etc.

Furthermore, it is very important to document these informations.

The purpose for documentation of report data include the following;

I. To include good data from reputable sources.

II. To convince readers of your credibility and the logic or your reasoning.

Documentation is the evidence supplied for information and ideas borrowed from others in a report or research paper. Options I and II or (a) and (b) are the correct answers for documentation of reporting data.

What is the purpose of documentation of report data?

An information source is a system or medium via which an individual can obtain and use information, knowledge, and ideas.

A primary or secondary source of information can be referred to as an information source.

Television, radio, the internet, newspapers, journals, magazines, and other sources of information are available.

Furthermore, it is critical to keep track of these details.

The following are some of the reasons for documenting report data:

I. Use high-quality data from trusted sources.

II. To persuade readers of your credibility and the logic or reasoning behind your arguments.

For more information about documentation, refer below

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The net income reported on the income statement is $97,309. However, adjusting entries have not been made at the end of the period for the
supplies expense of $2,135 and accrued salaries of $1,163. Net income, as corrected, is
a. $96,146
b. $97,309
c. $94,011
d. $95,174

Answers

The answer to your question is D

One of the departments at Yolo Industries has entered into a 9 year lease for a piece of equipment. The annual payment under the lease will be $3,800, with payments being made at the beginning of each year. If the discount rate is 12%, the present value of the lease payments is closest to (Ignore income taxes.): Click here to view Exhibit 14B-1 and Exhibit 14B-2, to determine the appropriate discount factor(s) using the tables provided.

Answers

Answer:

PV= $22,677.03

Explanation:

Giving the following formula:

Number of periods (n)= 9 years

Annual payment (A)= $3,800

Discount rate (i)= 12%

First, we will calculate the future value of the payments using the following formula:

FV= {A*[(1+i)^n-1]}/i + {[A*(1+i)^n]-A}

FV= {3,800*[(1.12^9) - 1]} / 0.12 + {[3,800*(1.12^9)] - 3,800}

FV= 56,147.49 + 6,737.7

FV= $62,885.19

Now, the present value:

PV= FV / (1 + i)^n

PV= 62,885.19 / (1.12^9)

PV= $22,677.03

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