a note that the maker does not pay at maturity is called a dishonored note T/F

The correct statement about the Federal National Mortgage Association (Fannie Mae) is (a) it raises funds to purchase loans by selling government-guaranteed bonds.

The Federal National Mortgage Association, commonly known as Fannie Mae, is a government-sponsored enterprise (GSE) in the United States. Fannie Mae operates in the secondary mortgage market, meaning it does not originate loans directly but purchases them from lenders. To raise funds for purchasing these loans, Fannie Mae sells government-guaranteed bonds, primarily mortgage-backed securities (MBS), to investors. These MBS are backed by the cash flows from the mortgage loans held by Fannie Mae. By selling these bonds, Fannie Mae can obtain the necessary capital to buy more loans from lenders, thereby providing liquidity to the mortgage market and promoting homeownership. Fannie Mae does not regulate interest rates, and it does not borrow money from itself. Therefore, option (a) is the correct statement.

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Based on basic supply and demand analysis, if the demand for apartments near campus increases while everything else remains constant (ceteris paribus), we can predict that the equilibrium price of apartments near campus will increase.

This is because the increase in demand for apartments will lead to a shortage of available apartments, causing landlords to raise their prices in order to capitalize on the high demand.

In terms of the equilibrium quantity of apartments near campus, it is difficult to make a definitive prediction without additional information. However, we can make some educated guesses based on the basic supply and demand model. It is possible that the equilibrium quantity of apartments near campus will also increase, as landlords may be motivated to build or convert more apartments in response to the high demand and prices. On the other hand, it is also possible that the equilibrium quantity will decrease if landlords are unable or unwilling to increase the supply of apartments.

Overall, it is important to keep in mind that the relationship between supply, demand, and price is complex and influenced by many factors beyond just changes in demand. Other factors such as the cost of production, government policies, and the availability of substitutes can all impact the equilibrium outcome.

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The driving force in the bank-lending and balance sheet channels of monetary policy transmission is competition i.e. option 4.

When the central bank adjusts the monetary policy by changing interest rates or money supply, it affects the borrowing costs of banks and hence their willingness to lend. In a competitive banking system, banks would want to lend more to maintain their market share and profits.

As a result, they would lower their lending rates, making it easier for borrowers to access credit and stimulating the economy. On the other hand, if there is less competition among banks, they may not lower their lending rates even if the central bank reduces interest rates, thereby limiting the impact of monetary policy transmission.

Moreover, the competition among banks also affects the balance sheet channel of monetary policy transmission. When interest rates are lowered, the value of bonds held by banks increases, leading to a rise in their net worth. This increases their capacity to lend, which in turn, stimulates the economy. However, if banks have low competition, they may not pass on the benefits of increased net worth to borrowers, limiting the impact of monetary policy on the economy.

Therefore, the level of competition in the banking sector plays a crucial role in the effectiveness of the bank-lending and balance sheet channels of monetary policy transmission.

Therefore, the right option is 4 i.e. competition.

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According to the given question, if Logan Company chooses the most profitable sales mix by focusing on producing standard products, the total contribution margin will be $5,856,000.

To find the most profitable sales mix for Logan Company, we need to determine the contribution margin per hour for both standard and premier products.

Step 1: Calculate the contribution margin per hour for standard and premier products.
Standard: 8 units/hour * $20/unit = $160/hour
Premier: 4 units/hour * $23/unit = $92/hour

Step 2: Compare the contribution margins per hour.
Since the standard product has a higher contribution margin per hour ($160) than the premier product ($92), Logan Company should focus on producing standard products for maximum profit.

Step 3: Calculate the total contribution margin.
Total contribution margin = contribution margin per hour * total production hours
Total contribution margin = $160/hour * 36,600 hours = $5,856,000

If Logan Company chooses the most profitable sales mix by focusing on producing standard products, the total contribution margin will be $5,856,000.

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The option that definitely cannot explain the decline in Harmeling Enterprises' NOPAT is an increase in depreciation. Sales revenues, costs of goods sold, taxes, and interest expenses can all potentially contribute to the decline.

To determine which option definitely cannot help explain the decline in net operating profit after taxes (NOPAT) for Harmeling Enterprises, let's evaluate each choice:

a. Sales revenues decreased: This could indeed explain a decline in NOPAT. If the company's sales revenues decreased, it would result in lower income, leading to a decline in NOPAT.

b. Costs of goods sold increased: An increase in the costs of goods sold would decrease the gross profit, which would then impact the NOPAT. Therefore, this could potentially explain the decline.

c. Depreciation increased: Depreciation is a non-cash expense that reduces taxable income but does not affect cash flow. An increase in depreciation expense alone would not directly impact NOPAT.

d. Interest expense increased: Interest expense is not a part of NOPAT calculation, as it relates to financing activities and not operating activities. Therefore, an increase in interest expense alone would not explain the decline in NOPAT.

e. Taxes increased: An increase in taxes would directly reduce the net income and consequently affect the NOPAT. Therefore, an increase in taxes could potentially explain the decline.

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The baby bust period, which occurred during the Great Depression, created a shortage of young workers. This was due to the significant decline in birth rates during the 1920s and early 1930s, which led to a smaller pool of young workers entering the labor market. Option c is Correct.

The shortage of young workers had several negative effects on the economy. First, it put upward pressure on wages, as employers competed for a smaller pool of workers. This, in turn, led to increased inflation as businesses passed on their higher costs to consumers.

The shortage of young workers also created problems for businesses, as they struggled to find enough workers to meet the demand for their products and services. This led to reduced productivity and economic growth. The baby bust period created a shortage of young workers, which had negative effects on the economy, including upward pressure on wages and inflation, and reduced productivity and economic growth.  

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In the given options, the largest reduction in portfolio risk is likely achieved when the number of stocks is increased from 40 to 80 (option b).

The number of stocks in a portfolio can have a significant impact on its risk level. The more stocks you have in your portfolio, the more diversified it is, which means that the risk is spread out among different companies and sectors. This can help reduce the overall risk of the portfolio.
According to modern portfolio theory, there is a point of diminishing returns when it comes to diversification. In other words, there is an optimal number of stocks that will provide the greatest reduction in portfolio risk. However, this number will vary depending on the specific portfolio and the individual investor's risk tolerance.
In the given options, the largest reduction in portfolio risk is likely achieved when the number of stocks is increased from 40 to 80 (option b). This is because increasing the number of stocks beyond 80 may not provide significant additional diversification benefits, and may even lead to over-diversification, which can lower returns.
However, it's important to note that simply adding more stocks to a portfolio does not guarantee lower risk. Investors should also consider the quality of the stocks they are adding, as well as their correlations with other stocks in the portfolio. By carefully selecting high-quality stocks with low correlations, investors can build a well-diversified portfolio that balances risk and reward.

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The most proper statement for evaluating the results of this PPS (Probability-Proportional-to-Size) sample depends on the specific context and criteria set for the evaluation. However, based on the given options, the most appropriate statement would be:

A. Accept the population because the projected misstatement is less than the tolerable misstatement.

This statement suggests that if the projected misstatement (which is estimated based on the PPS sample) is below the predetermined tolerable misstatement threshold, then the population can be accepted. In other words, if the estimated level of misstatement in the population is within an acceptable range, the population can be deemed acceptable.

It is important to note that the choice of whether to accept or reject the population based on PPS sample results depends on the specific circumstances, audit objectives, and predetermined thresholds. Therefore, it is crucial to carefully consider the specific tolerable misstatement and other factors relevant to the audit before making a final determination.

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The elasticity of the demand function is found to be |p/(p+4)|. At a price of p=8, the demand is inelastic, and the value of p that maximizes total revenue is -4.

A) The elasticity of demand function is given by:

[tex]E = |(dp/dq) \times (q/p)|[/tex]

where

Using the given demand function [tex]q=D(p)=700(p+4)^2[/tex], we can find the derivative of q with respect to p as:

[tex]dp/dq = 1 / ((dq/dp) = 1 / (2700(p+4)))[/tex]

Substituting this in the elasticity formula, we get:

[tex]E = |(1/((dq/dp)p)) \times q| = |p / (2700\times(p+4))) \times 700(p+4)^2[/tex]

Simplifying this expression, we get:

[tex]E = |p/(p+4)|[/tex]

B) To find the elasticity at p=8, we substitute p=8 in the above expression:

[tex]E = |8/(8+4)| = 2/3[/tex]

Since the elasticity is less than 1, the demand is inelastic at p=8.

C) The total revenue is given by:

[tex]R(p) = pq = p700(p+4)^2[/tex]

To find the maximum value of R(p), we take the derivative of R(p) with respect to p and set it to zero:

[tex]dR/dp = 700(p+4)^2 + 2\times700(p+4)\timesp = 0[/tex]

Simplifying this expression, we get:

[tex]p = -4 or p = -14[/tex]

Since the price cannot be negative, the value of p that maximizes the total revenue is p= -4.

Threfore, the elasticity of the demand function is found to be |p/(p+4)|. At a price of p=8, the demand is inelastic, and the value of p that maximizes total revenue is -4.

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True. Organising a group to support or oppose a subject can be more effective than speaking out alone because the group can carry out more duties and share responsibilities.

Organising a group to support or oppose a subject can be more effective than speaking out alone because the group can take on additional jobs and share responsibilities. With a similar aim in mind, group advocacy can bring like-minded people together. To that end, each member can offer special talents, insights, and resources. Additionally, a group can encourage and support its members emotionally, enhancing their sense of agency and effectiveness.

Additionally, a group can strengthen the voice of the whole, making it more challenging for decision-makers to downplay or disregard their worries. With more people,

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When deciding on differences in pay for the same job, an employee who possesses more experience, skills, or qualifications relevant to the job is most likely to receive higher pay.

When employers determine differences in pay for employees performing the same job, they often consider factors such as experience, skills, qualifications, and performance. An employee who has accumulated more years of experience in the field or with the specific job is likely to receive higher pay. This is because their experience is seen as valuable in terms of their ability to perform the job efficiently and effectively.

Furthermore, employees who possess additional skills or qualifications that are relevant to the job may also receive higher pay. These additional skills could be acquired through training, education, or certifications. Employers value employees with a broader skill set as they can contribute more to the organization and handle a wider range of responsibilities.

Performance is another factor that can influence pay differences. Employees who consistently perform at a high level, exceed expectations, and contribute significantly to the success of the organization may be rewarded with higher pay as a recognition of their exceptional performance.

It's important to note that pay differences for the same job should be based on legitimate factors and should not involve discrimination or unfair practices. Organizations should strive for transparency and fairness in their pay structures.

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The example of Rocket commandeering a gantry lift and enlisting visitors' help on a mission to rescue his fellow Guardians at Disney World shows that marketing includes experiences.

This experience includes special effects, popular characters, music inspired by the soundtracks from the movies, thrilling free-fall drop sequences, and multiple storylines for visitors to experience. This example demonstrates that marketing is not confined to the sale of products, but also includes the promotion of services and experiences. Marketers can handle both tangible goods and intangible experiences, as seen in this example from Disney World.

In this scenario, Disney World is marketing an attraction or experience based on the Guardians of the Galaxy franchise. The marketing is not limited to the sale of physical products but rather focuses on creating an immersive and thrilling experience for visitors. This aligns with the concept of experiential marketing, which aims to engage consumers through memorable and interactive experiences. Therefore, option A, "marketing includes experiences," is the correct answer based on the example you provided.

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The Net Advantage to Leasing (NAL) is -$439,057, which means that it would be more advantageous for Witten Entertainment to purchase the machine using bond financing rather than leasing it.

To calculate the Net Advantage to Leasing (NAL), we need to compare the cost of leasing the machine with the cost of purchasing it using bonds. Here's the breakdown of both options:
Leasing:
Year-end lease payments = $150,000
Tax shield on lease payments = 21% x $150,000 = $31,500
After-tax lease payments = $150,000 - $31,500 = $118,500
Bond financing:
Cost of machine = $556,000
Annual depreciation = $556,000 / 4 = $139,000
Tax shield on depreciation = 21% x $139,000 = $29,190
Interest expense (7% x $556,000) = $38,920
Tax shield on interest expense = 21% x $38,920 = $8,173
After-tax interest expense = $38,920 - $8,173 = $30,747
Net Advantage to Leasing (NAL):
NAL = (Cost of leasing - Tax shield on lease payments) - [(Cost of machine - Tax shield on depreciation) + After-tax interest expense]
NAL = ($150,000 - $31,500) - [($556,000 - $29,190) + $30,747]
NAL = $118,500 - [$526,810 + $30,747]
NAL = $118,500 - $557,557
NAL = -$439,057

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The insured covered under a Mobile Homeowners Policy must obtain the (option) c)"Transportation/Permission to Move Endorsement" from the insurer in order to move the location of the covered mobile home.

The "Transportation/Permission to Move Endorsement" is specifically designed to provide coverage for the transportation of the mobile home and grants permission to move it to a new location. This endorsement ensures that the insured's mobile home remains covered during the relocation process. It may include coverage for risks associated with moving the home, such as damage during transit or while being set up at the new location.

Options a), b), and d) are not directly related to moving the location of the mobile home. "Loss of Use Coverage" typically provides coverage for additional living expenses if the insured cannot use their mobile home due to a covered loss. "Additional Coverage Property Removed Endorsement" generally covers personal property that is temporarily removed from the mobile home. "Housing and Transportation Coverage" is not a specific endorsement commonly associated with moving a mobile home.

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To calculate this, we would need to consider factors such as their target rate of return, their investment strategy, and their risk tolerance. For example, if frmc's wanted to achieve a 6% return and inflation was 2%, their additive return requirement would be 8%.

Frmc is likely a financial institution or investment firm, and their return requirement refers to the minimum return they need to achieve on their investments to meet their financial goals.
Without more information on these factors, it's difficult to give a precise answer to this question. However, we can contrast frmc's return requirement with an additive return requirement. An additive return requirement is simply the sum of the desired rate of return and the rate of inflation.
In contrast, frmc's return requirement would likely be more complex and take into account other factors such as their portfolio diversification, market conditions, and regulatory requirements. This may result in a higher or lower return requirement than an additive approach.
In summary, while we cannot give a precise answer to frmc's return requirement without more information, we can contrast it with a simpler additive approach to highlight the complexity of financial institutions' investment strategies.

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The given statement To be effective as a follower, it is not necessary to implement decisions made by a leader when they are misguided or unethical is false In fact, blindly following a leader in such situations can lead to negative consequences for both the organization and its stakeholders.

A responsible follower should be able to question the leader's decisions when they seem to be misguided or unethical. This does not mean that the follower should openly challenge or confront the leader, but rather they should seek to understand the reasoning behind the decision and provide alternative perspectives that may lead to better outcomes.

An effective follower should also be able to recognize when a leader's decision crosses ethical boundaries and be willing to speak up and take action to prevent or rectify any harm caused. This requires courage and a commitment to ethical principles, even if it means going against the wishes of the leader or the organization.

In summary, being an effective follower requires critical thinking, ethical decision-making, and the ability to balance the needs of the organization with those of its stakeholders. Blindly following a leader, especially when they make misguided or unethical decisions, is not an effective approach and can lead to negative consequences.

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The intrinsic value of a call option is the difference between the stock's current market price and the option's strike price, while the time value is the difference between the option's total price and its intrinsic value.

In this case, the stock's current market price is $26.50, the call option's price is $5.60, and the strike price is $22.50. To calculate the intrinsic value, we subtract the strike price from the stock's market price: $26.50 - $22.50 = $4.00
The intrinsic value is $4.00. Now, we can calculate the time value by subtracting the intrinsic value from the call option's price: $5.60 - $4.00 = $1.60. The time value is $1.60. Therefore, the call option has an intrinsic value of $4.00 and a time value of $1.60. The correct answer is (b) $4.00; $1.60.

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The profit-maximizing price is $13.16 and the profit-maximizing quantity is 9.47. the firm sells 5.71 units with perfect price discrimination.

If a firm cannot price discriminate, it can use the following profit-maximizing rule:

Marginal Revenue (MR) = Marginal Cost (MC)

 We  find  MR by taking the derivative of the demand function:

 Q = 20 - 0.8P

dQ/dP = -0.8

MR = dTR/dQ = P(1-dQ/dP) = P(1 0.8) = 1.8 P

 Setting MR equal to MC, we get:

 1.8P = 2.5Q

 Substituting the demand function into this equation to eliminate Q gives:

 1.8 P = 2.5 (20 - 0.8 P)

1.8P = 50 - 2P

3.8 P = 50

P = $13.16

 If this price is replaced by the demand function, we get:

 Q = 20 - 0.8 P = 20 - 0.8 ($13.16) = 9.47

 Therefore the profit-maximizing price is $13.16 and the profit-maximizing quantity is 9.47.

 If a firm can perform perfect price discrimination, it can charge each customer the maximum price they are willing to pay. This means that the price is the same as the customer's willingness to pay, which is obtained from the demand function:

 Willingness to pay (WTP) = 20 - Q

A firm can sell each unit at a price equal to the customer's WTP, which means  it can sell each unit that  customers want to buy. Therefore, to find the total quantity sold, we need to find the point where  WTP equals marginal cost:

 WTP = MC

20 - Q = 2.5Q

20 = 3.5Q

Q = 5.71

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To calculate the energy partial productivity, we need to divide the total output (units produced) by the total energy input. Therefore, the energy partial productivity for Cincinnati and Frankfurt divisions can be calculated as:

Energy partial productivity for Cincinnati division = 8.8 / 1,200 = 0.00733 units per dollar of energy

Energy partial productivity for Frankfurt division = 2.2 / 800 = 0.00275 units per dollar of energy

To calculate the percentage change in energy partial productivity between the two divisions, we can use the following formula:

Percentage change = [(New value - Old value) / Old value] x 100%

Using the above formula, we get:

Percentage change = [(0.00275 - 0.00733) / 0.00733] x 100%

Percentage change = -62.51%

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The organization responsible for the formulation of new international financial reporting standards is The International Accounting Standards Board (IASB).

The International Accounting Standards Board (IASB) is an independent organization that sets International Financial Reporting Standards (IFRS). The IASB is responsible for developing and issuing globally accepted accounting standards that are used by companies and organizations around the world to prepare their financial statements.

The IASB operates under the oversight of the International Financial Reporting Standards Foundation (IFRS Foundation), which ensures the organization's governance and accountability. The IASB's main objective is to develop high-quality, transparent, and comparable accounting standards that provide useful information to investors, creditors, and other financial statement users. The IASB engages in a comprehensive standard-setting process that involves conducting research, consulting with stakeholders, and issuing exposure drafts for public comment. It carefully considers feedback from the global accounting community and takes into account different perspectives before finalizing and issuing new or revised financial reporting standards.

The IASB's standards are widely recognized and used by countries around the world, with many jurisdictions adopting IFRS as their national accounting standard or harmonizing their standards with IFRS. The goal is to promote consistency, transparency, and comparability in financial reporting across borders, facilitating better understanding and analysis of financial information.

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In today's world, the most pressing ethical leadership challenge is to maintain integrity and transparency in all decision-making processes. The rapid pace of technological advancements has resulted in an increase in data breaches and privacy violations, which have raised concerns about the ethical implications of emerging technologies.

Leaders need to prioritize ethics over profits and act responsibly to ensure that they are not compromising the safety and well-being of their employees, customers, or stakeholders.

To combat this challenge, leaders should adopt a proactive approach to ethics and encourage ethical behavior by setting an example for others to follow. They can exercise positive leadership by creating a culture of trust, transparency, and accountability, where ethical considerations are taken seriously and employees are encouraged to speak up when they encounter ethical dilemmas.

This can be achieved through ethical training programs, open communication channels, and regular ethical audits.

In summary, the most pressing ethical leadership challenge today is to maintain integrity and transparency in decision-making processes. Positive leadership can combat this challenge by creating a culture of trust, transparency, and accountability, where ethics are prioritized, and employees are encouraged to speak up.

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True.

Under ASC 842 (the Accounting Standards Codification) and IFRS 16 (International Financial Reporting Standards), the standards are converged in that they both use five criteria to determine whether a lease qualifies as a finance lease for the lessee.

Both ASC 842 and IFRS 16 define finance leases similarly and require lessees to assess leases against specific criteria to determine their classification. The five criteria used are: (1) transfer of ownership, (2) purchase option, (3) lease term, (4) present value of lease payments, and (5) specialized nature of the asset. If the lease meets any of these criteria, it is classified as a finance lease. The convergence of these criteria ensures consistency and comparability in lease accounting across organizations following these standards.

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To calculate average operating assets, you need to first determine the contribution margin and operating income. Then, use the asset turnover ratio and sales figures to find the average operating assets.

To calculate average operating assets, follow these steps:
1. Calculate the contribution margin: The contribution margin is the difference between sales and variable expenses. To calculate it, use the formula:
Contribution Margin = Sales - Variable Expenses
2. Calculate the operating income: Operating income is the difference between the contribution margin and fixed expenses. Use the following formula:
Operating Income = Contribution Margin - Fixed Expenses
3. Determine the asset turnover ratio: The asset turnover ratio measures the efficiency with which a company uses its assets to generate sales. It is calculated as:
Asset Turnover Ratio = Sales / Average Operating Assets
4. Calculate average operating assets: Now that you have the operating income and asset turnover ratio, you can calculate the average operating assets. Rearrange the asset turnover ratio formula to solve for average operating assets:
Average Operating Assets = Sales / Asset Turnover Ratio.

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The contribution margin ratio and fixed expenses can be found on the income statement, and sales can be found on the revenue or sales section of the income statement.

To calculate the average operating assets using contribution margin sales and fixed expenses, follow these steps:

Calculate the contribution margin ratio by dividing the contribution margin by the sales. The contribution margin is the difference between the sales revenue and variable expenses.

Use the contribution margin ratio to calculate the break-even point in sales dollars by dividing the total fixed expenses by the contribution margin ratio.

Divide the break-even point in sales dollars by 2 to get the average operating assets. This is because the break-even point represents the level of sales at which the business is generating enough revenue to cover all of its expenses, including fixed and variable costs, and it assumes that the business is operating at full capacity.

The formula for calculating the average operating assets is:

Average operating assets = Break-even point in sales dollars / 2

where:

Break-even point in sales dollars = Total fixed expenses / Contribution margin ratio

Note that the contribution margin ratio and fixed expenses can be found on the income statement, and sales can be found on the revenue or sales section of the income statement.

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Investing activities include sale of property, purchase of equipment, collection of notes receivable, receipt of interest, and receipt of dividends.

Based on the items provided, the investing activities can be identified as follows:

Therefore, the investing activities from the given items are:

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The given statement, a mixed cost has both selling and administrative cost elements is true because A mixed cost is a combination of fixed and variable costs.

It is a type of cost that cannot be easily classified as either a fixed or variable cost. Mixed costs include both fixed and variable elements, and represent a combination of the two. For example, a company may have a fixed cost for rent, and a variable cost for utilities. As the company increases production and sales, the variable cost will increase, while the fixed cost will remain the same.

A mixed cost is also referred to as a semi-variable cost. It is important for a company to understand the cost structure of its mixed costs so that it can properly allocate and budget funds. By understanding the fixed and variable elements, a company can better anticipate the cost of doing business, and make informed decisions regarding production, sales, and marketing.

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The average propensity to consume is 1 when disposable income is $100.

To calculate the average propensity to consume (APC) at a given level of disposable income, you would divide consumption by disposable income:

APC = C / Y

In this case, the consumption schedule is given by the equation:

C = 20 + 0.8Y

So, the average propensity to consume is:

APC = (20 + 0.8Y) / Y

To find the level of disposable income where the APC is 1, we can set this expression equal to 1 and solve for Y:

1 = (20 + 0.8Y) / Y

Multiplying both sides by Y, we get:

Y = 20 + 0.8Y

Subtracting 0.8Y from both sides, we get:

0.2Y = 20

Dividing both sides by 0.2, we get:

Y = 100

Therefore, the average propensity to consume is 1 when disposable income is $100.

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Fred Presley is looking for financing options to purchase new furnishings for his new apartment. He has found two options: the furniture store's offer for an installment loan of $6,400 for 48 months at an add-on interest rate of 8.5%, and the credit union at his firm's offer for a loan at an interest rate of 9% simple for a term of 24 months.

a. To compute the monthly payments for both loan offers, we can use the following formulas:

- For the furniture store's loan:

Total loan cost = Principal amount + (Principal amount x add-on interest rate x number of periods)

$6,400 + ($6,400 x 0.085 x 48) = $10,169.60

Monthly payment = Total loan cost / number of periods

$10,169.60 / 48 = $211.87

- For the credit union's loan:

Total interest = Principal amount x interest rate x number of periods

$6,400 x 0.09 x 2 = $1,152

Total loan cost = Principal amount + Total interest

$6,400 + $1,152 = $7,552

Monthly payment = Total loan cost / number of periods

$7,552 / 24 = $314.67

Therefore, the monthly payment for the furniture store's loan is $211.87, and the monthly payment for the credit union's loan is $314.67.

b. To determine the APR for both loans, we can use the following formulas:

- For the furniture store's loan:

APR = (add-on interest rate x number of periods x 100) / (number of periods x average principal balance)

APR = (0.085 x 48 x 100) / (48 x $6,400/2)

APR = 17.62%

- For the credit union's loan:

APR = (interest rate x number of periods x 100) / (number of periods x average principal balance)

APR = (0.09 x 24 x 100) / (24 x $6,400/2)

APR = 9%

Therefore, the APR for the furniture store's loan is 17.62%, and the APR for the credit union's loan is 9%.

a. The monthly payment for the furniture store's loan is calculated using the add-on interest rate, which means that the interest is added to the principal amount upfront. This makes the monthly payment lower compared to the credit union's loan, which uses a simple interest rate that is applied to the outstanding balance. As a result, the monthly payment for the credit union's loan is higher.

b. The APR takes into account not only the interest rate but also any fees or charges associated with the loan. The APR for the furniture store's loan is higher because it includes the add-on interest rate and the fees charged by the furniture store, such as origination fees or administrative fees. The APR for the credit union's loan is lower because it only includes the interest rate.

c. When choosing between low payments and a low APR, it is important to consider the overall cost of the loan. In this case, even though the monthly payment for the furniture store's loan is lower, the APR is much higher, which means that Fred will end up paying more in interest and fees over the life of the loan. Therefore, it is better to choose a loan with a lower APR, even if it means higher monthly payments. This will help save money in the long run.

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To determine the year of ownership when Nicole's average annual cost of owning the boat will be $3,900, we need to consider the increase in operating costs each year.

Let's assume that the operating costs increase by a fixed amount each year. The difference between the initial cost and the target cost is $3,900 - $900 = $3,000.

If the operating costs increase by $3,000 per year, we can calculate the number of years it would take to reach that target cost.

Number of years = ($15,000 - $900) / $3,000 = $14,100 / $3,000 ≈ 4.7 years

Since we can't have a fraction of a year, we need to round up to the nearest whole number. Therefore, in the 5th year of ownership, Nicole's average annual cost of owning the boat will be approximately $3,900.

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If jasmine does not deposit her money in bank c, remember to answer in dollars to two decimal places $1900.0.

Jasmine's decision not to deposit money affects the money supply by lowering the quantity of bank deposits that an account holder can easily convert to cash.

The drop in bank deposits reduces the money supply. If Jasmine does not deposit her money in bank C, remember to answer in dollars to two decimal places. $1900.0

As a result, the significance of the money supply be are the aforementioned.

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Proving predatory pricing has been challenging and costly as it requires demonstrating that the accused firm explicitly tried to eliminate competition and sold products below its average cost.

Proving predatory pricing, which is the practice of deliberately setting low prices to drive competitors out of the market, has posed difficulties due to the high burden of proof. To establish a case of predatory pricing, it must be shown that the accused firm engaged in explicit actions to destroy a competitor and that the prices charged were below the defendant's average cost.

Demonstrating explicit intent to destroy competition can be challenging as firms may employ various tactics to conceal their motives. Proving such intent often requires gathering substantial evidence, such as internal company documents, emails, or witness testimony, which can be time-consuming and costly.

Additionally, establishing that the prices charged were below the defendant's average cost can be complex. Average cost calculations involve considering various factors, including production costs, overhead expenses, and allocation methods. Collecting accurate cost data and determining the appropriate cost benchmarks can present difficulties, especially if the accused firm employs sophisticated accounting practices or operates in a complex industry.

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