The lender views the borrower as lower in risk.
What's a loan?In finance, a loan is the lending of plutocrats by one or further individualities, associations, or other realities to other individualities, associations, etc. The philanthropist incurs a debt and is generally liable to pay interest on that debt until it's repaid as well as to repay the top quantum espoused.The document evidencing the debt(e.g., a promissory note) will typically specify, among other effects, the top quantum of plutocrat espoused, the interest rate the lender is charging, and the date of prepayment. A loan entails the redistribution of the subject asset( s) for some time, between the lender and the borrower.What are the benefits of a loan?Inflexibility A bank loan allows one to repay as per convenience as long as the installments are regular and timely, Unlike an overdraft where all the credit is subtracted in go. Or a consumer credit card where the maximum limit can not be utilized in one go.Learn more about loans here:
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If you are able to build and maintain collaborative relationships to work effectively toward common goals, while appreciating diverse viewpoints and shared responsibilities, you have a proficiency in which competency?.
A person that is able to build and maintain collaborative relationships to work effectively toward common goals, while appreciating diverse viewpoints and shared responsibilities, have the competency that is called teamwork.
What is team work?This is the term that is used to refer to the ability of persons to work in a collaborative manner. That is the ability of people to work in such that a way that they are able to share ideas and despite the different areas that they are from would put aside the differences they have to work together in order to help the business to grow.
Hence we can say that A person that is able to build and maintain collaborative relationships to work effectively toward common goals, while appreciating diverse viewpoints and shared responsibilities, have the competency that is called teamwork.
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Used by many smaller companies to help streamline procurement or distribution processes, ________ is an internet site whose purpose is to be a major starting point for users when they connect to the web.
Used by many smaller companies to help streamline procurement or distribution processes, a web portal is an internet site whose purpose is to be a major starting point for users when they connect to the web.
What is Web Portal?
An information single point of access, or web portal, is a website that has been specifically developed for this purpose. It might also be thought of as a collection of organized and personalized content. In addition to offering functions like task management, collaboration, business intelligence, and application integration, a web portal typically assists with search navigation, customization, alerting, and information integration. Web portals frequently offer access control and procedures as well as a specific appearance and feel for businesses and organizations. They are reachable through a variety of platforms, including desktop computers, mobile phones, and other electronic devices.
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Two modules validatecustomerid and registercustomer are unit tested individually. What kind of testing should be done to check whether registercustomer is calling validatecustomerid and validatecustomerid is called properly by registercustomer?
Two modules validate customer id and register customer are unit tested individually. Integration testing should be done to check whether register customer is calling validate customer id and validate customer id is called properly by register customer
Integration testing entails determines whether or not distinct modules perform well together.
Integration testing is a sort of software testing which involves merging of two or more modules to assess the flow between them.
Integration testing also ensures that the interactions between different software components which run smoothly and without difficulty.
Integration testing is a sort of software testing in which the various units, modules, or components of a software application are all evaluated together.
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What is a choice a management accountant must make when developing a costing system for a specific firm?
When a management accountant develops a costing system for a specific firm, he must make choices regarding the cost accumulation methods, the cost measurement method, and the overhead application method.
A costing system is the procedure and mechanism by which a business monitors and assesses the cost of its operations. The costing system involves a series of processes, controls and reports that provide information regarding the revenues, profits and losses, costs, and other vital information to the management.
The management accountant must decide on the following items. The cost accumulation method includes information of job costing and process costing, the cost measurement method relates to actual or standard costing, and the overhead method refers to volume or activity based costing.
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As a paid emergency medical responder, while on duty you are expected to provide care according to the standard operating procedures outlined by your department. this is called?
As a paid emergency medical responder, while on duty you are expected to provide care according to the standard operating procedures outlined by your department. this is called duty to act.
What is meant by duty to act?This is the term that is sued to refer to the legal duty that the people of the United States have in order to act so that they would be able tp prevent any forms of harm to a person or to the entire members of the public.
Hence we can say that As a paid emergency medical responder, while on duty you are expected to provide care according to the standard operating procedures outlined by your department. this is called duty to act.
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An approach to visualizing and managing capacity that recognizes that nearly all products and services are created through a series of linked process, and in every case, there is at least one process step that limits throughput for the entire chain is the formal definition of?.
An approach to visualizing and managing capacity that recognizes that nearly all products and services are created through a series of linked process, and in every case, there is at least one process step that limits throughput for the entire chain is the formal definition of Theory of Constraints (TOC).
A process improvement methodology called the Theory of Constraints places emphasis on the significance of locating the "system constraint" or bottleneck. Utilizing this limitation allows businesses to meet their financial targets while providing on-time, full deliveries (OTIF) to consumers, preventing stockouts in the supply chain, cutting down on lead times, etc.
Better operational control, less inventory, less disputes among team members, and far less firefighting are further common advantages of applying the Theory of Constraints. Without new capital expenditure or employee hire, increased capacity frequently becomes exposed.
The Theory of Constraints reorients management toward maximizing the flow of throughput produced by the entire system rather than on optimizing individual assets, functions, and resources.
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demarco company is developing a cost formula for its packing activity. discussion with the workers in the packing department has revealed that packing costs are associated with the number of customer orders, the size of the orders, and the relative fragility of the items (more fragile items must be specially wrapped in bubble wrap and styrofoam). data for the past 20 months have been gathered:
Predict total packing cost as follows:
Particulars Units Rate Amount
Number of Orders 25,000 × 2.10 = $52,500
Weight Orders 40,000 × 0.74 = $29,600
Number of Fragile Items 4,000 × 2.31 = $9,240
Fixed element $475
The total packing cost $91,815
Total Development Cost TDC is the sum of all costs of a project, financing including management, site acquisition planning, demolition, construction or equipment, and payment of storage fees, and otherwise to carry out the development of the project. includes all the effort required.
Development costs are the costs incurred by a company in researching, growing, and introducing new products and services. Development costs are commonly referred to as research and development costs. These costs may include various costs such as Marketing analysis, development technology, and customer research.
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at the of stakeholder management capability, management must take the initiative in meeting stakeholders face to face and attempting to be responsive to their needs.
At the transactional level of stakeholder management capability, management must take the initiative in meeting stakeholders face to face and attempting to be responsive to their needs.
A stakeholder is a party with an interest in a business who has the potential to influence or be affected by it. A typical corporation's investors, employees, clients, and suppliers make up its main stakeholders.
All people or organizations with a stake in how well a business operates are considered stakeholders. Building strong and balanced relationships with stakeholders is crucial for organizations because doing so will determine how authentically they are able to meet their needs.
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How much will you accumulate in an account where you deposit $1,100 a year at the beginning of the next 3 years if you can earn 5% annually?.
I accumulate in an account where you deposit $1,100 a year at the beginning of the next 3 years if you can earn 5% annually is $3,346.90
An account with an APR of 8% compounded quarterly has an annual interest rate EAR of 8.243%. A regular annuity is an annuity with cash flows or payments at the end of the period.
calculation:-
principal amount = $1,100
time = 3 year
annual rate of interest =5%
SI = PRT ÷ 100
= $1100 × 5 ×3
= $2246.9
amount = Principal + SI
Amount = $3346.90
Use the interest rate formula to get the interest rate. This is the percentage of the principal amount that a lender or bank charges a borrower for the use of an asset or money over a period of time. The interest rate formula is interest rate = simple interest x 100/principal x hours. compound interest. Interest added to the initial investment earns itself interest for subsequent periods.
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The amount of time a student spent studying for her math class went from 4 hours per week to 7 hours per week. What was the percent increase?
'The amount of time a student spent studying for her math class went from 4 hours per week to 7 hours per week. The percentage increase is 42.8%
Increase in time = 7-4 = 3 hrs
Percentage increase = 3/7 * 100 = 42.8%
What is percentage increase?Measures of percent change include percent increase and percent decline, which indicate how much an element of a variable changes in terms of intensity, size, extent, or value.
The figures are calculated by comparing the initial (also known as before) and final (also known as after) amounts using a specified formula.
To increase or reduce an amount by a %, first compute the percentage of the amount. Then, either add this answer to the original quantity to make it larger or subtract it to make it smaller.
Finding a percentage of a sum can be done in a few different ways.
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61.) ""an active market in which the sellers of available properties can obtain higher prices than those obtainable in the immediately preceding period; a market in which a few available properties are demanded at prevailing prices by many users and potential users"" is the definition of a(n) market.
"an active market in which the sellers of available properties can obtain higher prices than those obtainable in the immediately preceding period; a market in which a few available properties are demanded at prevailing prices by many users and potential users"" is the definition of a(n) seller's market.
Which kind of market is most likely to be characterized by escalating costs and a dearth of available properties for purchase?A seller's market is one in which there are few products available for purchase, giving the seller greater price power. When little supply and high demand exist in the real estate market, the phrase "seller's market" is frequently used.
What does real estate market valuation entail?The actual value of your property as it would be sold on the open market is referred to as its market value. It is decided by purchasers and is outlined as the sum they are prepared to spend to buy the house.
What is the market's supply of real estate?The term "months' supply" describes how long it would take, at the current rate of sales, for the inventory of properties now on the market to sell. A lower amount of months' supply tends to accelerate price increases, and historically, six months of supply has been linked to a mild price increase.
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If buyers and sellers both expect future prices to increase, what will happen to the current equilibrium price?.
If buyers and sellers both expect future prices to increase, the current equilibrium price will decrease.
Equilibrium price, also called market clearing price, is the consumer cost attributed to a product or service for which demand and supply are equal or nearly equal. In economics, economic equilibrium is a situation in which economic forces such as demand and supply are in balance, and the values of economic variables do not change without external influences.
Equilibrium is a state in which market demand and supply are in equilibrium, resulting in stable prices. In general, an oversupply of goods and services leads to falling prices, which leads to an increase in demand, while an undersupply or shortage leads to a rise in prices, which leads to a decrease in demand.
Disclaimer:- your question is incomplete, please see below for the complete question.
a. Current equilibrium price will decrease.
b. Current equilibrium price will increase.
c. current equilibrium price will be unlikely to change.
d The current equilibrium price could decrease, increase, or remain the same.
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This morning, clayton deposited $2,500 into an account that pays 5 percent interest, compounded annually. Also this morning, jayda deposited $2,500 at 5 percent interest, compounded annually. Clayton will withdraw his interest earnings and spend it as soon as possible. Jayda will reinvest her interest earnings into her account. Given this information, which one of the following statements is true?.
Jayda will earn more interest in Year 2 than Clayton will earn. The interest received in year 1 will be compounded at the end of year 2 and subsequent years. As Clayton is taking out the interest every year, it won't be compounded for Clayton.
In finance associate degree economics, interest is payment from a receiver or deposit-taking financial organization to an investor or investor of an amount on top of reimbursement of the capital (that is, the quantity borrowed), at a specific rate. it's distinct from a fee that the borrower could pay the lender or some third party.
It's conjointly distinct from a dividend that is paid by a corporation to its shareholders (owners) from its profit or reserve, however not at a particular rate set beforehand, but rather on a pro-rata basis as a share within the reward gained by risk-taking entrepreneurs when the revenue earned exceeds the full costs. Interest differs from profit, in this interest is received by a lender, whereas profit is received by the owner of the associate degree asset, investment, or enterprise.
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__________ is a principle of sustainable marketing that requires a company to seek real product and marketing improvements.
Answer: Innovative marketing
Explanation:
small businesses multiple choice concern themselves with state-of-the-art information and accounting technology but not employee relations due to their challenge to financially support employee benefits programs. do not seek government funding due to the fact that the federal government has made it very clear that it must support large operations before small operations. deal with very different management issues due to the very different management challenges experienced by small businesses. deal with similar management issues that large companies face.
Due to the extremely distinct management problems faced by small enterprises, they deal with quite different management concerns.
what is management?No matter if the organization is a for-profit corporation, a government agency, or a nonprofit, management is the administration of the entity.Resource management for a corporation is both an art and a science.Setting an organization's strategy and organizing its workers' (or volunteers') efforts to achieve its goals through the use of resources like money, the environment, technology, and people are all included in management. In management, the terms "run the business" and "change the business" are used to distinguish between continuing to provide goods or services and tailoring those offerings to accommodate consumers' shifting demands.Those who oversee an organization are referred to as managers when we use the term "management."To know more about management, refer to the following link:
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your client is convinced that every project she does in her home requires a permit and a licensed contractor. which of the projects that she wants to perform actually requires a permit?
She requires a permit Convert the bathtub in the master suite to a jetted tub
A contractor's claim to be a professional in their field is legitimate if they hold a license. They are not just using this trade to make a fast buck; rather, they are creating a career out of it. A contractor's ability to perform construction work is demonstrated by their possession of a valid license, which demonstrates that they not only obtained the license but also uphold it by adhering to the industry's standards at all times. It costs money for a contractor to get and keep their license, which demonstrates their dedication to upholding the law and being certified and lawful.
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today, boyd crowder signed loan papers agreeing to borrow $4,523.31 at 9 percent compounded monthly. the first monthly loan payment of $143.84 is due one month from today. how many loan payments must boyd make before the loan is paid in full?
Loan payments must be made before the loan is paid in full $5178.24.
Loan Payment means the amount payable by the Borrower to repay a Loan under the terms of the Loan Agreement, Debenture, and Bond Mortgage.
There are three payment methods for a mortgage: equal installments, equal installments, and fixed equal installments. The repayment method depends on a variety of conditions, such as whether you want to pay the same amount each month or whether you want to pay it back within a certain period of time.
Using EMI formula:-
P×R × (1 + r )^n ÷ (1 + r )^n -1
we find number = 36 month.
Hence, total Loan paymeny
36x 143.84 =
$5178.24
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When an employee’s interests are likely to interfere with the employee’s ability to exercise proper judgment on behalf of the organization, what exists?.
When an employee’s interests are likely to interfere with the employee’s ability to exercise proper judgment on behalf of the organization,conflict of interest exists.
What is conflict of interest?Conflict of interest happens when an individual's personal interests (social factors,friendships,financial, family) could compromise their judgement, actions or decisions in workplace.
There are three different types of conflict of interest,
predeterminationconflict of rolesfinancial conflict;non-financial conflict;Some examples of conflict of interest, is when an employee starts a business as a part time with the similar services.
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You want to buy a house and will need to borrow $180,000. the interest rate on your loan is 4.99 percent compounded monthly and the loan is for 25 years. what are your monthly mortgage payments?
Principal and interest payments make up your monthly mortgage payments. You must purchase private mortgage insurance if your down payment is less than 20%, which raises your monthly payment.
Mortgage is $1051.21 per monthMortgage payments are computed monthly using an EMI (equated monthly installment)CALCULATION
EMI = P R (R + 1) / [R + 1) -1]
180,000 as the principal amount
4.99% interest rate is R.N is equal to 25, years.EMI= 180,000×0.0499 ( 1 + 0.0499 ) ^ 25 / [ ( 1 + 0.0499) ^ 25 - 1 )
Therfore,
EMI on a mortgage is $1051.21 per month.
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a firm's current profits are $950,000. these profits are expected to grow indefinitely at a constant annual rate of 6 percent. if the firm's opportunity cost of funds is 8 percent, determine the value of the firm:
It is anticipated that these profits will continue to increase forever at a steady yearly rate of 6%.
(a) the instant before its pays out current profits as dividends = 51.30 million
(b) the instant after its pays out current profits as dividends = 50.35 million.
Annual Percentage Rate (APR) DefinitionThe term annual percentage rate (APR) describes the annual interest that is produced by a payment that is owed to investors or levied to borrowers. The annual percentage rate, or APR, is a measure of the real cost of borrowing money over the course of a loan or the income generated by an investment.
This includes any fees or other expenditures related to the transaction but does not account for compounding. Consumers may compare lenders, credit cards, and investment goods using the APR, which gives them a concrete number to work with.
Calculation:
Current profits = $950,000
Annual rate = 6 percent
Opportunity cost = 8 percent
We get here the value of the firm before paying out current profits as dividend is expressed as
Value of the firm = Current profits ( 1+opportunity cost ) ÷ ( opportunity cost - annual rate )
putting the value here,
Value of the firm = [950,000 * (1+0.08)]/0.08-0.06
Value of the firm = 51.30 million
and,
The value of the firm after pay is
Value of the firm = current profits ( 1+annual rate ) ÷ ( opportunity cost - annual rate )
putting the value
Value of the firm = [950,000 * (1+0.06)]/0.08-0.06
Value of the firm = 50.35 million.
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Correct Question:
A firm's current profits are $950,000. These profits are expected to grow indefinitely at a constant annual rate of 6 percent. If the firm's opportunity cost of funds is 8 percent, determine the value of the firm
(a) the instant before its pays out current profits as dividends.
(b) the instant after its pays out current profits as dividends.
Bookkeeping differs from accounting in that bookkeeping primarily involves which part of the accounting process?
a. communication
b. analysis
c. identification
d. recordin
Bookkeeping differs from accounting in that bookkeeping primarily involves recording part of the accounting process. Accounting entails summarizing, analyzing, and reporting these transactions to oversight organizations, regulators, and tax collection institutions. Accounting is a process that seeks to make sense of a company's day-to-day financial activities.
This procedure deals with the constant flow of paperwork that normally accompanies every financial transaction, such as invoices received from suppliers for goods purchased by the company. The accounting cycle is the process of finding, assessing, and recording a company's accounting events. It is a conventional eight-step process that begins with the occurrence of a transaction.
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You are comparing two annuities that offer regular payments of $2,500 for five years and pay. 75 percent interest per month. You will purchase one of these today with a single lump sum payment. Annuity a will pay you monthly, starting today, while annuity b will pay monthly, starting one month from today. Which one of the following statements is correct concerning these two annuities?.
Which of the following statements is true about these two annuities: Annuity B has a smaller present value than annuity A.
Annuities are payments or receipts that are made periodically within a certain time, so that they are similar to installments, savings, or contributions. Usually, these periodic payments or receipts are made every month within a certain period of time.
Annuities are closely related to financial institution products that have interest. For example, bank credit or savings in banks. Annuities are intended to make it easier for customers to pay installments because the amount is fixed.
Annuities are also closely related to insurance products. The policy holder or the insured must make periodic payments to achieve their goals, such as old age funds. The policyholder can choose when to start disbursing his annuity after he retires.
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Taylor started a small business a little less than 10 years ago. The business employed several social workers and nurses that visited and cared for persons who had left hospital care, but were not quite ready to be on their own at home. As the ceo of the firm, taylor decided it was time to hire a business operations manager and a marketing manager to handle the details of the business. Which function of management was taylor primarily performing?.
The function of management that Taylor is performing in his small business is organizing.
The function of management of organizing entails creating an organizational structure and assigning human resources to guarantee the achievement of goals. The framework for coordinating effort is the organizational structure. An organization chart, which shows the chain of command within an organization graphically, is typically used to describe the structure. Organizational design decisions are the general term used to describe decisions made about an organization's structure. Designing individual tasks inside the company is another aspect of organizing. Decisions must be made regarding each job's obligations and responsibilities, as well as how those obligations should be fulfilled.
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a good with many close substitutes is likely to have relatively demand, since consumers can easily choose to purchase one of the close substitutes if the price of the good rises. a good’s price elasticity of demand depends in part on how necessary it is relative to other goods. if the following goods are priced approximately the same, which one has the least elastic demand?
A good with several close substitutes is likely to have somewhat elastic demand because consumers can simply decide to buy one of the close replacements if the price of the good increases.
The price elasticity of demand for a commodity is somewhat influenced by how essential it is in comparison to other goods. The most flexible market is for diamond necklaces.
Price elasticity of demand: what is it?Price elasticity of demand is the term for the correlation between the percentage change in the quantity of a good desired and the percentage change in price. It helps economists comprehend how supply and demand shift in response to changes in a product's price.
An elastic demand is what?A price change causes an elastic demand to suffer a large change in amount desired. Demand is said to be inelastic when it does not significantly alter in response to a price change.
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question a survey of entrepreneurs who started companies last year shows that while virtually all did substantial preparatory research and planning, only half used that work to produce a formal business plan. since, on average, the entrepreneurs without formal plans secured the capital they needed in half the time of those with plans, these survey results indicate that, in general, formal plans did not help the entrepreneurs who produced them to secure the capital they needed.
An entrepreneur is someone who spots a need in the market and takes steps to fill it. The phrase has historically been used to describe a person who begins a business because they sense an opportunity to make money by being able to meet a need that has been discovered.
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Select all that apply to be complete, a business communication should:___.
a. be accurate.
b. be specific.
c. repeat the main points several times.
d. provide all relevant information.
To be complete, a business communication should be accurate, be specific, and provide all the relevant information.
Business communication refers to the process of sharing information between people within the workplace and outside a company. Where there is an effective business communication, employees and management interact in order to reach organizational goals.
In a company, all the organized activity relies on the process of business communication and the communication strategy. An effective business communication should be able to provide all relevant information, be accurate, and specific. Thus, the purpose of a business communication is to improve organizational practices and reduce errors.
Hence, option A, B, and D is correct.
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Ceteris paribus, if buyers expect the price of airline tickets to fall in the future, then right now there should be.
Ceteris paribus, if buyers expect the price of airline tickets to fall in the future, then right now there should be a decrease in demand for airline tickets.
What is meant by Ceteris Paribus in Law of Demand?
Ceteris paribus literally means other things being equal. This clause is prominent in the law of demand. It refers to every other things with the exceptional of price being equal.
Hence, it does not refers to price of the commodity not changing.
It helps in isolating multiple independent variables which doesn't affect a dependent variable.
The accuracy of a demand curve is as long as there are no changes other than the price that could affect consumer decision.
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The ______ ______ ______ measures how much profit out of each sales dollar remains after all expenses are subtracted.
The Net Profits Margin measures how much profit out of each sales dollar remains after all expenses are subtracted.
Your net profit margin illustrates what proportion of your revenue is left over after all costs have been subtracted. This figure demonstrates how effectively your company converts revenue into profit.
Net Profit Margin: The ratio of net income to revenues received is known as the net profit margin.
Investors can determine whether a company's management is making enough money from sales and whether operational expenditures and overhead expenses are in check using the net profit margin.
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to minimize the risk of theft of consumer remittances, the person who handles and deposits customer payments can also a. reconcile the bank statements. b. none of these activities can be performed by the person who handles and deposits customer payments. c. authorize credit memos. d. post adjustments to accounts receivable.
To minimize the risk of theft of consumer remittances, the person who handles and deposits customer payments can also none any of these activities can be performed by the person who handles and deposits customer payments.
What's Payment?A payment is the voluntary tender of plutocrat or its original or of effects of value by one party( similar as a person or company) to another in exchange for goods, or services handed by them, or to fulfill a legal obligation. The party making the payment is generally called the payer, while the payee is the party entering the payment.Payments can be effected in a number of ways, for illustrationThe use of plutocrat, cheque, or disbenefit, credit or bank transfers.The transfer of anything of value, similar as stock, or using trade, the exchange of one good or service for another.What's the payment procedure?Payment Procedures means the procedures for carrying payments from one or further of the Portfolios in which a party maintains an account, established from time to time by the Chief Investment Officer.Learn more about payment here:
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jonathan mendez is deciding whether to study for his economics exam at a café or go to a concert with friends tonight. the cost of the concert ticket that he purchased yesterday is in his opportunity cost and represents a cost.
Jonathan Mendez is debating whether to attend a concert with friends tonight or study for his economics exam at a cafe. His opportunity cost calculations for these decisions do not take into account the cost of his economics course tuition, which amounts to a financial cost.
What are opportunity costs?The time and money spent learning that could have been put to other uses make up the opportunity cost. The opportunity cost of not growing wheat or using the resources in another way exists when a farmer decides to do so (land and farm equipment).
Opportunity cost is frequently described as the backup plan. Sometimes referred to as the alternative cost, this is the loss of gain that would have been realized if a different option had been selected. Another way to express it is the loss of benefit brought on by a change in choice.
Define financial cost?The costs, interest, and other fees associated with borrowing money to construct or buy assets are referred to as financing costs (FC), often known as the cost of finances (COF). This can include how much it costs to finance a home mortgage, a bank-financed vehicle loan, or a school loan.
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