At certain times banks may not be willing to fully loan out all of their _____________ and customers may not be willing to borrow.
At certain times, banks may not be willing to fully loan out all of their deposits, and customers may not be willing to borrow due to various factors such as economic conditions.
During economic downturns or periods of financial uncertainty, banks become more cautious in their lending practices. This was evident during the fall of 2008, when the quantity of loans decreased, as many customers were viewed as higher credit risks, and the uncertainty of repayment extended beyond households to other banks and firms, primarily due to concerns over asset valuations.
Banks employ strategies to mitigate risks, such as diversifying their loans and selling some in the secondary loan market while retaining more liquid assets like government bonds or reserves. However, a lengthy recession can still negatively impact a bank's net worth due to an increase in loan defaults. Banks also face the challenge of an asset-liability time mismatch, where they may have to pay higher interest rates to depositors while earning less from longer-term loans, especially if interest rates rise unexpectedly.
When john and mary go on their first date, john reveals extensive personal information to mary. what is the likely result of john's self-disclosure?
The fact that iq scores have, on average, risen over the past century is called the ________ effect.
What is the future value of $1,000 after six months earning 12% annually?
Which of the following is the correct minimum coverage that you must have for Property Damage Liability?
What are hourly wages? Select the best answer from the choices provided. income that is based on a yearly rate income that is based on the number of hours worked a benefit that is received once a year a benefit that is based on the number of hours worked
Answer:
The correct answer is letter "C": a benefit that is based on the number of hours worked.
Explanation:
Hourly wages refer to the amount of money an employer agrees to pay an employee per hour according to the type of job that person will perform. The total wage will be the result of multiplying the hourly rate agreed by the total number of hours the employee worked.
Coordination and policy harmonization problems are largely a function of the number of countries that seek agreement.
a. True
b. False
If a corporation has two classes of common stock, what is typically unique about the second or class b common stock?
Students who are completing classes and school work at their own pace, in any location or any time, are often known as
The __________ job market is comprised of internet job boards, want ads, newspaper ads, and radio advertisements. these are media sources where employers will proactively seek employees.
Ryder and sergei are partners in timberline gear, which sells mountain- and rock-climbing equipment. ryder manages the business. unless the partnership agreement states otherwise, ryder is?
What does the credit balance in the accumulated depreciation account represent?
James has just joined coratech systems, where he has been assigned to paul and natalie for sources of information about the company. paul and natalie introduce james to others at coratech, give him an office tour, and assure him that they will meet him regularly for the first few weeks, to help him in the transition to the new company. in this scenario, paul and natalie are part of the coratech's _____.
A large bureaucratic organization is about to undertake a massive change in the way they do business. these changes will include redesigning processes
The dishonor of an instrument relieves secondary parties of liability.
a. True
b. False
If the paper reports a particular corporate bond price as 79.5, the price an investor would have to pay is ________.
Consumers generally shop and compare on their computers, then purchase with their smartphones.truefalse
A team has been established to solve a problem with an industrial adhesive used by the firm. the three members are the installer, an engineer, and the sales representative for the adhesive manufacturer, but the team does not have a specific leader. this team can be called a ________ team.
The answer is self-managed team. It is a group of people, usually workers in a company, who combine different expertise and capacities to work without the typical managerial supervision toward a shared purpose or goal. They are also called self-directed team or self-managed natural work team.
The team consisting of an installer, an engineer, and a sales representative for the adhesive manufacturer is known as a problem resolution team, aimed at solving a specific issue with an industrial adhesive.
Explanation:The team described in the question, which consists of an installer, an engineer, and the sales representative for the adhesive manufacturer without a specific leader, is best characterized as a problem resolution team. Problem resolution teams are focused on solving specific issues, which in this case is related to addressing a problem with an industrial adhesive used by the firm. This team structure often encompasses individuals with diverse expertise and perspectives to combine knowledge and achieve a workable solution in a specific area.
In engineering and business contexts, the integration of cross-functional skills, such as those from the installer, engineer, and sales representative, enable the team to consider multiple aspects of the problem, including application, technical specifications, and commercial implications. The cooperative effort of such a team is crucial in finding a successful resolution that aligns with the firm's operational and business objectives.
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Technological advances have resulted in fewer opportunities for small businesses abroad.
a. True
b. False
Krizum industries makes heavy construction equipment. the standard for a particular crane calls for 24 direct labor-hours at $16 per direct labor-hour. during a recent period 850 cranes were made. the labor rate variance was zero and the labor efficiency variance was $8,800 unfavorable. how many actual direct labor-hours were worked?
A labor rate variance equal to zero would mean that the standard labor rate is equal to the actual labor rate which is $16 per direct labor-hour. To recall, the formula for labor efficiency variance is:
Labor efficiency variance = (AH - SH) × SR
Where,
AH = actual number of hours worked = unkown
SH = standard number of hours worked = 850 cranes * 24 hours per crane = 20,400 hours
SR = standard labor rate = $16
Substituting the known values to the equation:
$8,800 = [AH – 20,400 hours] * $16 per hour
$8,800 = [AH - 20,400 hours] * $16 per hour
$8,800 = (AH * $16 per hour) – ($326,400)
AH * $16 per hour = $326,400 + $8,800
AH * $16 per hour = $335,200
AH = $335,200 / $16 per hour
AH = 20,950 hours
To calculate the actual direct labor hours worked, use the labor efficiency variance formula. In this case, the actual direct labor hours worked was 574 hours.
Explanation:To calculate the actual direct labor hours worked, we need to use the labor efficiency variance formula:
Labor Efficiency Variance = (Actual Hours - Standard Hours) x Standard Rate
Given that the labor efficiency variance is $8,800 unfavorable and the labor rate variance is zero, we can rearrange the formula to find the actual hours:
Actual Hours = Standard Hours + (Labor Efficiency Variance / Standard Rate)
Substituting the given values into the formula:
Actual Hours = 24 hours + ($8,800 / $16 per hour)
Actual Hours = 24 + 550
Actual Hours = 574 hours
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A singles business aims its promotions toward singles between the ages of 25 and 40 who reside in a specific county. the business has ________.
Which of the following will be recorded in the owner’s equity column as an increase
The choices are:
A. an exchange of assets
B. the purchase of an asset on credit
C. an investment by the owner
D. a withdrawal by the owner
The purchase of an asset on credit will be recorded in the owner's equity column as an increase.
To
add, the owner's equity represents the owner's investment in
the business minus the owner's draws or
withdrawals from the business plus the net income (or minus the net loss) since
the business began.
Compensatory damages replace what was lost because of what the breaching party did and for this reason are often said to "make the person whole." true or false
If a model can be applied successfully by people in all areas and levels of an organization, it is said to possess the trait of:
Answer:
The correct answer is : understanding their followers and their needs.
Explanation:
The "great man" theory of leadership proposed by Scottish philosopher Thomas Carlyle (1795-1881) exposes diverse personality traits good leaders must have in front of different situations. Among the traits, understanding their followers and their needs implies leaders helping group members to succeed individually and as a whole organization regardless of the hierarchy.
Jones company reported pretax book income of $400,000. included in the computation were favorable temporary differences of $50,000, unfavorable temporary difference of $20,000, and favorale permanent differences of $40,000. book equivalent of taxable income is:
In this case, the book value of taxable income would simply be the difference in pretax book income and favorable permanent differences. That is:
Taxable income = Pretax book income – Favorable permanent differences
Taxable income = $400,000 - $40,000
Taxable income = $360,000
Susan, 56 years of age, and her daughter beverly, 28 years of age, are both secretaries. they both apply for the same job, and although susan has much more experience, the company hires beverly because, as one of the company's owners says, "who wants a wrinkled old lady to work in our office?" this attitude reflects
Consider two cigarette companies, pm inc. and brown inc. if neither company advertises, the two companies split the market and earn $50 million each. if they both advertise, they again split the market, but profits are lower by $10 million since each company must bear the cost of advertising. yet if one company advertises while the other does not, the one that advertises attracts customers from the other. in this case, the company that advertises earns $60 million while the company that does not advertise earns only $30 million. refer to scenario 17-4. if these two companies collude and agree upon the best joint strategy,
a. neither company will advertise.
b. both companies will advertise.
c. pm inc. will advertise but brown inc. will not.
d. brown inc. will advertise but pm inc. will not.
To solve this problem, let us try to break down each scenario one by one. We must calculate the total earnings that the two companies receive for each scenario.
Scenario 1: Neither company advertise
Earning of PM Inc = $ 50 M
Earning of Brown Inc = $ 50 M
Total Earning = $ 100 M
Scenario 2: Both companies advertise
Earning of PM Inc = $ 40 M
Earning of Brown Inc = $ 40 M
Total Earning = $ 80 M
Scenario 3: One company advertise, let us say PM Inc is the company who advertise and Brown Inc does not
Earning of PM Inc = $ 60 M
Earning of Brown Inc = $ 30 M
Total Earning = $ 90 M
We can see that Scenario 1 has the largest total earnings of all scenarios. Therefore the best strategy is:
A. neither company will advertise
A retail store credited the sales revenue account for the sales price and the amount of sales tax on sales. if the sales tax rate is 5% and the balance in the sales revenue account amounted to $294,000, what is the amount of the sales taxes owed to the taxing agency? $14,000 $14,700 $280,000 $294,000
Answer:
14,000
Explanation:
Sales revenue x (100% + sales tax rate) = sales revenue with tax
sales revenue x 1.05 (100% + 5%) = 294000
sales revenue = 294000/1.05
sales revenue = 280,000
sales tax with tax - sales revenue = sales tax
294,000 - 280,000 = 14,000
Burlington coat factory warehouse, inc., had a dress code that required male sales clerks to wear business attire consisting of slacks, shirt, and necktie. female saleschecks, by contrast, were required to wear a smock so that customers could readily identify them. karen o'donnell and other female employees refused to wear the smock. instead they reported to work in business attire and were suspended. after numerous suspensions, the female employees were fired for violating burlington's dress code policy. all other conditions of employment, including salary, hours, and benefits, were the same for female and male employees. (o'donnell v. burlington coat factory warehouse, inc., 656 f.supp. 263 (s.d. ohio 1987) see employment discrimination was the dress code policy discriminatory
Art and technology interact in the appearance of the volkswagen beetle as newer safety standards affect the _____ of the vehicle.
The answer to this question is design of the vehicle.
Safety standards are standards that are used of the companies to promote safety of products and the company’s processes. This is also the procedures of the company that the employees follow in order to promote a safe working environment to all workers.