If the buyer is buying a home appraised at $80,000 and the buyer is obtaining a 90% loan, and the lender will charge a one-point origination fee at closing then the loan origination fee will be $720.
A mortgage lender will charge you a fee called a loan origination fee in order to process your loan. Normally, it represents 1% of your overall loan debt. To cover the expense of processing, underwriting, and carrying out your loan, almost all lenders impose origination fees. These expenses may appear as one origination price or as numerous separate ones, such as an underwriting and processing fee. Variable loan origination costs. Costs may vary depending on your loan type, credit score, co-signer status, and loan amount. Asking your lender to lower your origination fees or any of the other lender-side fees is completely acceptable.
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Write a paragraph about the steps taken in the amendment process.
To amend the Constitution, the two procedures of proposal and ratification are required.
What steps comprise the amendment procedure?Congress and the states can both engage in the proposal phase, but the states are solely responsible for securing ratification, in accordance with the government policies. Once a state has ratified an amendment, it cannot go back on that decision. Two-thirds of the members of each house of Congress and the state legislatures must vote in favor of calling a national convention.
The proposed amendment process is accepted when the legislatures of 3/4 (38) of the states represented at the conventions and those 3/4 (38) states agree. It establishes a mechanism that would make it challenging to modify the Constitution, which would make it less irrevocable and more akin to statute law.
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a corporation issued 140 shares of its $5 par value common stock in payment of a $2,200 charge from its accountant for assistance in filing its charter with the state. the entry to record this transaction will include:
The entry to record this transaction will include a $2,200 credit to common stock.
Common stock alludes to the shares of proprietorship interest in a U.S. corporation. The proprietors of the common stock are alluded to as common stockholders, common shareholders, or basically as stockholders or shareholders. [A relatively couple of corporations issue favored stock in addition to its common stock.]
Generally, the holders of common stock:
Choose the corporation's board of chiefsVote on consolidationsParticipate in increases and decreases in the market value of the shares of common stockGet cash profits as the corporation's earnings and cash needs licenseto know more about stockholders click here:
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Barry, Inc.'s sales equal $30,000 and cost of goods sold equals $10,000. Its beginning inventory was $800 and its ending inventory is $1,200. Barry's inventory turnover ratio equals _____ times.
a. 15
b. 10
c. 5
Inventory turnover for Barry is 10 times.
Calculation for the number of turns is as follows:A financial metric known as inventory turnover is used to determine how frequently inventory is sold or used during a specific time period. It is provided as the ratio of average inventory to cost of sales for the time period.
Given data use for calculation of Barry's inventory turnoverA $10,000 cost of goods sold.
Initial stock value: $800
Inventory closing equals $1,200
Average inventory is ($800 + $1,200)/2, =$1,000.
Inventory turnover ratio is $10,000/$1,000= 10.
This means that the Barry's inventory turnover ratio is equal to 10 times.
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Dora Hernandez is paid $10 per hour. During the week ended 11/30, Dora worked 25 hours. Assuming a 6.2% social security tax, the company would withhold ___ from Dora's gross pay for social security taxes.
Assuming a 6.2% social security tax, the company would withhold $15.50 from Dora's gross pay for social security taxes.
Tax collection makes reference to the policy action and personal conduct to ensure that taxpayers pay the right amount of tax at the right time and by obtaining the right tax credits. Tax is a compulsory financial charge or other tax imposed by a government entity on taxpayers to finance public expenditures and other expenditures.
In the period between 3000 and 2800 BC, ancient Egypt saw the first recognised taxes. Tax evasion and resistance to taxes are both illegal and subject to punishment. Taxes can be paid in cash or in labour equivalents, and they can be direct or indirect taxes.
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g the market quantity in a perfectly competitive market is 600. if there are 3 firms in a costless cournot-style oligopoly in this market, what quantity will be sold?
Answer: 450
Explanation:
what type of disability income insurance pays a lump sum enabling certain businesses to cover the cost of purchasing a disabled business owner's interest in the business?
Through the payment of a lump sum reward, Disability Buy-Sell insurance enables the insured's business partners to acquire his or her share of the company.
The disability policies come in two different varieties. Two years are the maximum payment period for short-term plans. For a few months to a year, on average. Benefits under long-term insurance may last a number of years or until the disability is resolved. As the name suggests, disability insurance is a type of insurance that provides benefits in the event that a policyholder becomes the disabled and is unable to work or generate an income.
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when prices of outputs in an economy become sufficiently high causing production to exceed potential gdp, the resulting:
The hyper-intense production that results when output prices in an economy rise to a point where they exceed potential GDP is ultimately unsustainable.
The potential gross domestic product (GDP) is a measure of the economy's sustainable output in which the intensity of resource use has no effect on inflationary pressure. Although there are many ways to estimate the economy's productive potential, some of them solely use statistical techniques.
The economic theory behind this is that if output prices were high enough, producers would exert ferocious effort to produce: all employees would work double overtime, and all machines would run round-the-clock.
Such high production would go beyond completely utilizing available labor and physical capital resources and instead use them in a way that is not long-term sustainable. Therefore, while only in the short term, it is conceivable for output to outpace potential GDP.
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How is the marketing department involved in the technical and marketing development stage of the product development process?.
The most effective promotion mix for the fresh product is determined via product prototype testing with target consumers.
What does the term "marketing" mean?The process of generating, conveying, delivering, and exchanging products and services that are valuable to customers, clients, business partners, and society at large is known as marketing.
Which four sorts of advertising are there?It explains the marketing mix. The four Ps are the following: product, selling prices, venue, and promotion. They represent a "marketing strategy," or the set of strategies and tactics used by marketers to achieve their marketing objectives. In 1960, E officially came up with the 4 Ps.
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Which of the following best defines an interpersonal relationship in which one individual (or group) has the ability to cause another individual (or group) to take an action that would not be taken otherwise?Group of answer choicesAttitudeExpertiseType: MCLeadershipPowerMotivation
A power is best defined as an interpersonal relationship in which one individual (or group) has the ability to cause another individual (or group) to take an action that would not be taken otherwise. The Option D is correct.
What does power mean?In social science, power refers to the social production of an effect that determines the capacities, actions, beliefs or conduct of actors. It does not exclusively refer to the threat or use of force (coercion) by one actor against another, but may also be exerted through diffuse means (such as institutions).
A power take structural forms, as it orders actors in relation to one another (such as distinguishing between a master and a slave) and discursive forms, as categories and language may lend legitimacy to some behaviors and groups over others.
An authority is often used for power that is perceived as legitimate or socially approved by the social structure. A power can also be seen as good and as something inherited or given for exercising humanistic objectives that will help, move and empower others as well.
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which of the following changes the short-run aggregate supply and shifts the sras curve? (i) a change in the price of a major input (ii) increases in the amount of capital (iii) a change in the income of consumers
The short-run aggregate supply curve moves to SRAS 2 as a result of the rise in labor costs.P 2 is the price level, and Y 2 is the real GDP level.
What causes the short-run aggregate supply sras curve to change?The cost of labor, or wages, and the cost of imported goods that are used as inputs for other products are two additional key inputs that may shift the SRAS curve in addition to energy prices.
What causes the SRAS curve to deviate to the left?Expansions in the value of such data sources will cause the SRAS bend to move to one side, and that really intends that at each given cost level for yields, a more exorbitant cost for sources of info will deter creation since it will diminish the opportunities for procuring benefits.
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is the maximization of profit margin (profit as a percentage of total sales) a valid financial objective of a corporation? discuss.
I work for a company where the maximization of profit margin is not a legitimate financial goal because I can constantly raise prices and thereby profit margins without finally pricing myself out of the market (or reduce sales).
How Should Profit Margin Be Calculated?An indicator of profitability is the profit margin. Discovering the profit as a share of the income is used to compute it. Gross, operating, and net profit margins are the three different types of profit margins. The ratio of gross profit to net sales is known as the gross profit margin. By taking into account the expenses related to manufacturing and selling items, profit margin reflects the relative profitability of a company or commercial activity.
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true or false? objectives typically have a designated time period, while key results can be long lived. true false
objectives typically have a designated time period, while key results can be long lived. given statement is false.
What is a "Key Result"?An objective-achieving key result is a quantifiable result that is necessary. It includes a metric with a starting and ending value. In the same way that a signpost indicates how close you are to your objective, Key Results track progress towards the goal. Meaningful change, advancement, and expansion are represented by effective OKRs. Our top priority for the following 30 to 90 days are those. Meaningful, bold, and inspirational objectives are what make goals effective. Effective Key Results are measurable and verifiable, aggressive and time-bound, and specific.
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when a company repurchases its own shares of stock, what are the two acceptable accounting choices for the transaction?
The shares can be officially retired or they can be referred to as treasury shares, either of which are acceptable accounting options for the transaction.
Why do you use the term shares?Shares are fractional ownership interests in a corporation. For some businesses, shares are a type of financial instrument that allows for the equitable distribution of any declared residual earnings in the form paid dividends. Stockholders of a company that doesn't pay dividends are not included in the distribution of profits.
Why do people purchase shares?People acquire and firm's capital as a way to get exposure to both the health and growth of the global economy as well as a specific firm. Interest will play a role in your choice of investing in stocks or trading on their price.
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what role do transfers between countries have in preventing climate change. who pays this money and who do they pay it to?
According to the transfer between countries in the prevention of climate change, those who pay the money are the developed countries, with a green climate fund established as a financial mechanism to distribute the money
Transfers between countries for the prevention of climate changeIt is a United Nations conference on Environment and Development, which was applied mainly in Rio de Janeiro in 1992, through international consensus when addressing the problem of climate change. It was initially signed by 166 countries and finally entered into force on March 21, 1994. Currently, it has been ratified by 197 countries.
The main objective of this agreement is to intensify actions to curb climate change and propose a sustainable future with lower carbon emissions.
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how would you suggest a leader overcome resistance to a change that is going to cause some people to lose their jobs?
A leader can overcome resistance to a change by communicating early and often, by listening to employees and educating employees on the value of the change.
What do you mean by resistance to a change?Unwillingness to adjust to novel situations or methods of operation is referred to as resistance to change. It can occur with people, in relationships, or in workplace settings. Although there are various causes for resistance, the main one is dread of the unknown.
What does it mean to overcome change-related resistance?The dread of the unknown Getting through employees' concerns about what the change might entail is a common strategy for overcoming resistance to change. They can be concerned that the change will make their working life worse or result in their job loss.
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• why is 3m so vulnerable to fluctuations in exchange rates? what long term strategies could 3m pursue to minimize its exchange rate exposure?
Financial hedging is one of them.By borrowing from the money market, 3M will be able to hedge its exposure.Forward contracts can also be bought by the business.This will save it from experiencing money variance.
What are the three most prevalent ways to manage exchange rate risk?
Transaction risk, economic risk, and translation risk are the three kinds of foreign exchange risk.
Which 3M strategy is it?
We at 3M have developed an ambitious long-term sustainability strategy.Our intention is to address issues where we can have the greatest impact by applying our enthusiasm and scientific method.issues that are essential to the sustainability of our planet and its inhabitants.
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for a number of years country a had inflation of 3 percent but for the last five years has had inflation of 6 percent. country b had inflation of 4 percent for many years, but very recently inflation unexpectedly rose to 9 percent. other things the same, in which of the countries would the higher inflation rate be more likely to reduce unemployment?
Country B but not country A, a rise in the cost of the products and services that households purchase is known as inflation.
How much is inflation currently?U.S. Labor Department data released on Nov. 10 show that the annual inflation rate for the United States is 7.7% for the 12 months ending in October 2022, down from 8.2% the previous year. The following inflation update will be made public on December 13 at 8:30 a.m. ET.
What's the source of inflation?According to monetarists, inflation results from too many money chasing too few goods. In other words, there is now too much money available. This theory holds that the value of money is governed by the law of supply and demand, just like the value of any other item on the market. Value declines as the supply expands.
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11.15 An injection molding system has a first cost of $180,000, and an annual operating cost of $84,000 in years 1 and 2, increasing by $5000 per year thereafter. The salvage value of the system is 25% of the first cost regardless of when the system is retired within its maximum useful life of 5 years. Using a MARR of 15% per year, determine the ESL and the respective AW value of the system (a) by hand solution, and (b) via spreadsheet that graphs the total AW and its components.
An injection molding system has a first cost of $180,000, and an annual operating cost of $84,000 in years 1 and 2, increasing by $5000 per year thereafter:= $−246,000.
Operating expenses are operating expenses incurred in the course of a business's day-to-day activities. Operating expenses include both cost of goods sold (COGS) and other operating expenses, often referred to as selling, general, and administrative (SG&A) expenses.
Running value is calculated with the aid of the price of products bought + operating fees. operating charges encompass Administrative and workplace costs like hiring, salaries, the body of workers, coverage, administrators fees, and so on. promoting and distribution costs like a commercial, and salaries of salesmen.
a) Determine the ESL and the respective AW value of the system by hand solution:
\begin{align*} \text{AW}_1&=-180{,}000(A/P, 15\%, 1)-84{,}000+45{,}000(A/F, 15\%, 1)\\[7pt] &=-180{,}000(1.1500)-84{,}000+45{,}000(1.0000)\\[7pt] &= \boxed{\$-246{,}000}\\ \end{align*}
AW 1
=−180,000(A/P,15%,1)−84,000+45,000(A/F,15%,1)
=−180,000(1.1500)−84,000+45,000(1.0000)
= $−246,000.
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a junior data analyst is seeking out new experiences in order to gain knowledge. they watch videos and read articles about data analytics. they ask experts questions. which analytical skill are they using? 1 point
The analytical skill that is used according to the statement is Curiosity. Correct answer: letter B.
The junior data analyst is actively seeking out new experiences, watching videos, reading articles, and asking experts questions in order to gain more knowledge. This demonstrates a curiosity and eagerness to learn more about the data analytics field.
What is a junior data analyst?Is a professional who is responsible for collecting, organizing, and analyzing data to help businesses make informed decisions. They use various data-driven techniques such as predictive analytics, data mining, and statistical analysis to identify trends and patterns in large sets of data.
Junior data analysts often create reports, dashboards, and visualizations to communicate their findings.
A junior data analyst is seeking out new experiences in order to gain knowledge. They watch videos and read articles about data analytics. They ask experts questions. Which analytical skill are they using?
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PT: True or False: Point transfers can be initiated for frequent flyer/guest accounts whose account names differ from MR Account.
False , Point transfers cannot be initiated for frequent flyer/guest accounts whose account names differ from MR Account.
What does MR Account mean?
MR Account is an abbreviation for Money Reimbursement Account. It is a type of bank account used to hold funds set aside for the purpose of reimbursing employees or customers for specific expenses incurred. This type of account enables businesses to easily manage, track, and control the expenses for which they are responsible.
What is an Bank Account?
A bank account is a financial account held at a financial institution, usually a bank, that allows the account holder to deposit and withdraw funds. Bank accounts are used to save money and make payments. They are also used to gain access to other financial services such as overdraft protection, loans, and credit cards.
Therefore the answer will be False as point tranfer cannot be initiated for frequently flyer guest account whose name differ from MR account.
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closed-end mutual funds can trade at either a discount or a premium to their net asset values (navs).
Closed-end mutual funds can trade at either a discount or a premium to their net asset values (navs). This statement is a true statement.
Can closed-end mutual funds be traded?The closed-end funds are listed on a stock exchange when the money is raised, allowing its units to be traded just like any other stock on the board. Investors can redeem their units when the closed-end mutual fund scheme has ended and the fixed-duration period has passed.
Why do closed-end funds trade at a premium or a discount to their net asset value?The market will set the price of the units because closed-end funds are traded on a public exchange. Due to this, the price may occasionally trade at a premium or a discount to the NAV as indicated. The share price and NAV ought to converge in the longer run.
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suppose that we have a stock that is priced at $157.50 and has a deltaof 2/8. the risk free rate is 1%. the stock up factor is 1.13. and the value of the call option in the up state is $9. what is the price of this call? a. $1.25 b. $3.67 c. $4.23 d. $4.52
Using the Black-Scholes formula, the price of the call option is $4.52.
The Black-Scholes model is a mathematical model used to price options, which are financial derivatives. It is a partial differential equation (PDE) describing the price of the option over time. The model takes into account the current stock price, the strike price of the option, the interest rate, the volatility of the underlying asset, and the time remaining until expiration. The model is used to calculate the theoretical price (also known as the fair value) of a call or put option. It is widely used in the options market, both by traders and financial analysts.
The price of the call option in the up-state can be calculated using the Black-Scholes formula for a European call option with the following inputs:
Stock price: $157.50
Delta: 2/8
Risk-free rate: 1%
Stock up-factor: 1.13
Using the Black-Scholes formula, the price of the call option is $4.52.
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after a nationwide spike in gun-related violent crime, a corporation decides to discontinue gun sales in its retail stores, even though this will probably hurt the company's sales in the next quarter. according to stakeholder theory, did the corporation fulfill its duty?
Stakeholder theory posits that companies have a responsibility to protect public interests, such as reducing the number of guns in their communities, so it is true that they are doing their duty.
What is Stakeholder Theory?Stakeholder theory is a capitalist view that emphasizes the interrelationships between a company and its customers, suppliers, employees, investors, communities, and others involved in the organization.As an example of how the stakeholder theory works, consider a car company that recently went public. Of course, shareholders want the stock price to rise, and the company strives to keep those shareholders happy because they invested money in the company.Why is stakeholder theory better than shareholder theory?Stakeholders include everything from shareholders, creditors and bondholders to employees, customers, suppliers and governments. The main difference between the two is that shareholders focus on return on investment. Stakeholders care more about company performance
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which of the following statements is true of corporate advertising? multiple choice it usually brings a significant return on investment. it is typically used to generate greater sales of a particular product. it is usually used to promote a service as opposed to a product. it portrays the image that a firm is in trouble. it generates high levels of interest among consumers.
It is usually used to promote a service as opposed to a product, is the statement that best describe the true statement of corporate advertising.
What is the corporate advertising?Corporate advertising is generally understood to refer to paid communications disseminated through various media channels and intended to affect consumers' opinions of a company and its goods, as well as their intentions to buy those goods.
The phrase that best captures the essence of corporate advertising is that it is typically used to market a service as opposed to a product.
Therefore, option C is correct.
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ch9 to avoid being influenced by the activities of competitors, a market plan should not include a competitive analysis
avoid being influenced by the activities of competitors, a market plan should not include a competitive analysis. The given statement is false.
What are the different types of competitive analysis methods?A competitive analysis is a strategy that entails investigating the main rivals to learn about their goods, sales, and marketing strategies. Conducting a competitive market analysis has many advantages, including helping businesses implement stronger business strategies, fend off rivals, and gain market share. The assessment of the advantages and disadvantages of present and potential competitors is known as competitive analysis in marketing and strategic management. This analysis offers both an offensive and defensive strategic context to pinpoint opportunities and threats.
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Which managerial style encourages debate and deliberation in order to create an exchange of ideas?.
By encouraging debate and discussion, the Collegeial management style hopes to promote a flow of ideas.
How are Exchanges managed?On an exchange, you can trade securities, commodities, derivatives, and other financial products. The major responsibility of an exchange is to uphold fair and organized trading as well as efficient pricing information dissemination for all securities traded there.
Which type of exchange was mentioned above?A brief, tense speech that is only a few phrases long. A handful of the exchanges between the two parties have proved contentious. For example, an exchange of fire is when two parties fire guns or missiles at each other.
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selling over the phone is no longer a common practice among sport ticket sales teams. group of answer choices true false
Selling over the phone is no longer a common practice among sport ticket sales teams is a true statement.
The lifeblood of almost any professional team is ticket sales. Not only did ticket sales bring in money, but the outward sales teams tasked with doing it also helped sports companies build client connections and disseminate promotional materials and messaging.
It is true that sports ticket sales personnel no now frequently sell tickets over the cellphone. This was to make sure that the data that was then given to the personnel was to be made available to a person with the help of a call.
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In each of the following independent situations, determine the dividends received deduction for the calendar year C corporation. Assume that none of the corporate shareholders owns 20% or more of the stock in the corporations paying the dividends. Income from operations Expenses from operations Qualifying dividends Almond Corporation 700,000 (600,000) 100,000 Banana Corporation $800,000 (860,000) 100,000 Cherry Corporation $900,000 (910,000) 100,000 Click here to view the dividend received deduction table. a. The dividends received deduction for Almond Corporation is b. The dividends received deduction for Banana Corporation is c. The dividends received deduction for Cherry Corporation is 70,000 X 70,000X 63,000 X
Dividends Almond Corporation=[tex]700001.2,[/tex], Banana Corporation=[tex]800001.72,[/tex] Cherry Corporation=[tex]900001.82[/tex]
Dividends received deduction =total ordinary dividends./ qualifying for this deduction*"percent qualifying for deduction
dividends Almond Corporation= [tex]700,000 +600,000/100,000*20%=700001.2[/tex]=[tex]700001.2,[/tex]
Banana Corporation=[tex]800,000+860,000/ 100,000 * 20%=800001.72[/tex]=[tex]800001.72,[/tex]
Cherry Corporation
[tex]=900,000 +91 0,000/100,000*20%=900001.82[/tex]=[tex]900001.82[/tex]
A corporation that gets dividends from other corporations in which it owns stock is entitled to a tax deduction known as the dividends-received deduction under U.S. federal income tax law. This deduction aims to lessen the effects of supposed triple taxation. If not, the corporation that made the earnings would be taxed first, followed by the corporate shareholder, and finally the individual shareholder. Although Congress permitted the double taxation of companies, it did not intend for a triple tax to be imposed on corporate profits at every stage of distribution. The consolidated return regulations, which permit related firms to file a single consolidated return for U.S. federal income tax purposes, are complemented by the dividends-received deduction.
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current accounting principles require that goodwill be expensed a. at the completion of the acquisition. b. arbitrarily over a period of no more than 20 years. c. systematically over its estimated useful life. d. as impairment occurs.
Current accounting principles require that goodwill be expensed as impairment occurs.
When a corporation buys another company in its entirety, goodwill is created. The cost to buy the firm is subtracted from the fair market value of the identifiable tangible and intangible assets, as well as the liabilities acquired during the acquisition, to determine the amount of goodwill.
Brand awareness, a sizable clientele, positive client-employee interactions, and unique technology are a few elements that constitute goodwill. Goodwill is defined in accounting as a gain in value over a company's assets less its obligations.
Hence the correct option is D
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which of the following would be the most effective way to control your expenses? a. buy lower quality, cheaper products b. use credit cards instead of cash c. lease a car instead of purchasing a new one d. cook for yourself
Which of the following would be the most effective way to control your expenses?
Answer is: d) cook for yourself
The most agreeable and simple approach to adjust a budget to make room for a new sofa is to cook evenings instead of eating out. An estimate of income and expenses for a specific time period is the simplest definition of a budget.
Finally, cooking dinners at home rather than dining out helps you adjust your budget. She is a strong, independent woman who enjoys spending time with her family after finishing her workday at the office. She must be skilled at handling and managing a work-life balance.
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