New Bank has total checkable deposits of $90 million in its account. Its capital, including common
stocks, retained earnings, preferred stocks and subordinated debt is $5 million. The reserves
required by the central bank is 7% of total deposits. The bank invests in commercial loans with
total loans value of $70 million. Assume New Bank does not invest in any other assets and has no other liabilities.


a) Show the bank's balance sheet.

Type your answer here
b) Calculate the total risk-based capital ratio of the bank. You calculations or marks will be deducted.
must show your work.
(2 marks)
Type your answer here
c) Explain whether New Bank's total capital complies with Basel's total capital requirements.
(Not more than 20 words, or marks will be deducted)

please do it in 35 minutes please urgently .. I'll give you up thumb definitely

Here total savings are $80,000, investment is not profitable as savings are less than the initial investment of $580,000. Hence, Plan A should not be accepted.

Given information: Capital arton-580,000, and the projected yearly savings are tabled below; MARR=19%.End of Year | Plan A Savings 1 | 20,0002 | 25,0003 | 25,0004 | 10,000

Total savings in 4 years (Plan A) = 20,000+25,000+25,000+10,000=80,000 Present worth of savings (Plan A) = 80,000/(1+0.19) + 80,000/(1+0.19)² + 80,000/(1+0.19)³ + 80,000/(1+0.19)⁴= 61,583+47,470+36,421+28,090= 173,564

To calculate if the investment is profitable or not we need to calculate the present worth of costs as well. Since there is no cost given in the problem statement, we can only check whether the savings are sufficient to recover the initial investment of $580,000 or not.The total savings in 4 years are $80,000.

Hence, Plan A should not be accepted.

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The capital-labour ratio will decrease in the production of cars and will increase in the production of shirts. What is Capital-Abundant? A country is said to be capital-abundant when it has a larger stock of capital per worker than other countries.

The correct answer to the given question is option D

Capital-abundant countries tend to be developed nations with a lot of machinery, equipment, and physical capital. Such countries produce capital-intensive goods, which require a large amount of capital per worker, like machines.] Long-Run Effects of Opening Trade in Home CountryWhen a capital-abundant home country starts trading, it will begin to specialize in the production of capital-intensive products such as cars, and it will begin to import labor-intensive products such as shirts.

As a result, the home country will begin to specialize in the production of capital-intensive goods and will import labor-intensive goods. As the home country begins to specialize in the production of capital-intensive products, the production of these goods becomes less expensive, and the price of these goods decreases. As a result, the capital-labor ratio decreases in the production of capital-intensive goods, such as cars. On the other hand, when the home country specializes in the production of labor-intensive products such as shirts, it becomes more expensive to produce capital-intensive products such as cars.

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Suppose you want to sell property that is currently leased to a tenant. The most likely buyer for your property will be an "owner-user." If the property is leased under a tenancy at will, the new owner can require the tenant to vacate the premises after giving proper notice of termination as required by statute. Hence, option C is the correct option.

An owner-user is someone who buys a property with the intention of using it for their business or personal use. A buyer who is looking for a property to occupy and not to rent out is known as an owner-user. If the property is leased under a tenancy at will, the new owner can require the tenant to vacate the premises after giving proper notice of termination as required by statute.

A tenancy at will is a type of lease agreement that allows the landlord or tenant to terminate the lease with little or no notice. Therefore, If the property is leased under a tenancy at will, the new owner can require the tenant to vacate the premises after giving proper notice of termination as required by statute. Hence, c is the correct option.

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Real-time data provided by Federal Reserve Economic Data (FRED), Federal Reserve Bank of Saint Louis Using data from the St. Louis Federal Reserve, analyze the stock.

The Federal Reserve Bank of St. Louis publishes a database of economic data for the United States, as well as some international data. The database is known as Federal Reserve Economic Data (FRED). It has a vast variety of macroeconomic indicators such as inflation rates, GDP growth, employment rates, and many others. The database provides real-time economic data, including stock prices and other market data. There are multiple ways in which you can analyze the stock prices with the help of the data from FRED. Here is one possible exercise: Download daily data for the S&P 500 stock index from FRED for the period January 2000 to December 2020 using the code "SP500".Plot the data and identify any notable trends or patterns.

For instance, we can observe that the S&P 500 has increased over the years but experienced a sharp decline in early 2020 due to the COVID-19 pandemic. Calculate the mean, standard deviation, and minimum and maximum values of the S&P 500 stock index for the entire period and for each year. We can do this using statistical functions available in Excel or any other software program. This will help us understand the volatility and performance of the stock market. Conduct a correlation analysis of the S&P 500 with other relevant variables such as inflation, interest rates, and GDP growth. This will help us understand how the stock market is related to the broader economy. Finally, we can use the insights from our analysis to make informed investment decisions or to provide recommendations to others who are interested in investing.

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The equity method would be used by Brandon Moving & Storage Inc. to account for the investment in McDonough Ltd. When an investor has substantial control over the investee, which is normally obtained with ownership of 20% to 50% of the voting shares of the investee, the equity method is utilized. The next entry is made to reflect the receipt of dividends: Asset: $6,000 in cash $6,000 was invested in McDonough Ltd.

A dividend is the distribution of profits to shareholders by a firm. A corporation that makes a profit or has a surplus is permitted to pay out a portion of that earnings as a dividends to its shareholders.

Any money remaining after distribution is taken out and reinvested as retained profits in the business. As a result, both the profit from the current year and the investment retained earnings from earlier years are eligible for distribution. A firm is frequently not permitted to pay a dividend out of its capital.

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The rate of interest on the loan is 2.0%, none of the option match the calculated rate, option E is correct.

To find the rate of interest on the loan, we can use the formula:

Rate = (Interest / Principal) × (365 / Time)

Given:

Principal (P) = $6800

Interest (I) = $134.58

Time (T) = 75 days

Converting the time to years:

Time in years = Time in days / Number of days in a year

Time in years = 75 / 365

Now, let's calculate the rate:

Rate = ($134.58 / $6800) × (365 / 75)

Rate ≈ 0.0198

Converting to a percentage:

Rate ≈ 0.0198 × 100 ≈ 1.98%

Rounded to the nearest tenth of a percent, the rate of interest on the loan is 2.0%. Option E is correct.

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The complete question is:

Jack's Drilling company borrowed $6800 for 75 days and paid $134.58 in interest. Find the rate of interest on the loan(to the nearest tenth of a percent). (A years has 365

days)

A.9.0%

B.10.0%

C. 9.5%

D. 9.6%

E. None of the above

The Pup tent results in a loss of $5 per unit, while the Pop-up tent has a gross profit of $6 per unit.

To compute the single plantwide overhead rate, we divide the total overhead cost by the total direct labor hours.

Plantwide overhead rate = Total overhead cost / Total direct labor hours

Plantwide overhead rate = $252,000 / 42,000 direct labor hours

Plantwide overhead rate = $6 per direct labor hour

To compute the overhead cost per unit for each product, we multiply the overhead rate by the respective direct labor hours per unit.

Overhead cost per unit for Pup tent = Overhead rate * Direct labor hours per unit

Overhead cost per unit for Pup tent = $6 * 3 direct labor hours

Overhead cost per unit for Pup tent = $18

Overhead cost per unit for Pop-up tent = Overhead rate * Direct labor hours per unit

Overhead cost per unit for Pop-up tent = $6 * 2 direct labor hours

Overhead cost per unit for Pop-up tent = $12

To compute the product cost per unit for each product, we sum up the direct materials cost, direct labor cost, and overhead cost per unit.

Product cost per unit for Pup tent = Direct materials + Direct labor + Overhead cost per unit

Product cost per unit for Pup tent = $20 + $45 + $18

Product cost per unit for Pup tent = $83

Product cost per unit for Pop-up tent = Direct materials + Direct labor + Overhead cost per unit

Product cost per unit for Pop-up tent = $25 + $30 + $12

Product cost per unit for Pop-up tent = $67

To compute the gross profit per unit, we subtract the product cost per unit from the selling price per unit.

Gross profit per unit for Pup tent = Selling price per unit - Product cost per unit

Gross profit per unit for Pup tent = $78 - $83

Gross profit per unit for Pup tent = -$5 (loss)

Gross profit per unit for Pop-up tent = Selling price per unit - Product cost per unit

Gross profit per unit for Pop-up tent = $73 - $67

Gross profit per unit for Pop-up tent = $6

In summary, the Pup tent results in a loss of $5 per unit, while the Pop-up tent has a gross profit of $6 per unit.

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Complete question:

Tent Master produces Pup tents and Pop-up tents. The company budgets $252,000 of overhead cost and 42,000 direct labor hours. Additional information follows. Per Unit Pup tent Pop-up tent Selling Price $ 78 73 Direct Materials $ 20 25 Direct Labor $ 45 30 Required: 1. Compute a single plantwide overhead rate assuming the company allocates overhead cost based on 42,000 direct labor hours. 2. Pup tents use 3 direct labor hours (DLH) per unit and Pop-up tents use 2 direct labor hours per unit. Compute the overhead cost per unit for each product. 3. Compute the product cost per unit for each product. 4. For each product, compute the gross profit per unit (selling price per unit minus the product cost per unit).

The optimal solution for the given IP model is (X1, X2) = (5, 3), with an optimal objective value of 19.

The branch-and-bound algorithm is a powerful tool for solving integer programming (IP) problems. It begins by solving the relaxed LP problem and then divides the problem into subproblems, creating a tree structure. It then selects one of the subproblems and repeats the process until an optimal integer solution is found.

Let's apply this algorithm to the given IP model:

max z = 2X1 + 3X2

subject to:

5X1 + 7X2 ≤ 35

4X1 + 9X2 < 36

X1, X2 ≥ 0, integer

Step 1: Solve LP relaxation

Ignore the integer constraint and solve the relaxed LP problem:

max z = 2X1 + 3X2

subject to:

5X1 + 7X2 ≤ 35

4X1 + 9X2 < 36

X1, X2 ≥ 0

Using graphical methods, we can draw the feasible region and the objective function on a graph.

IP Model Graphical Solution

The optimal solution for the LP relaxation is (X1, X2) = (3, 2.14) with an optimal objective value of 12.5.

Step 2: Create subproblems

We can create two subproblems by branching on X2:

Subproblem 1: max z = 2X1 + 3X2, subject to:

5X1 + 7X2 ≤ 35

4X1 + 9X2 < 36

X1, X2 ≥ 0, X2 ≤ 2

Subproblem 2: max z = 2X1 + 3X2, subject to:

5X1 + 7X2 ≤ 35

4X1 + 9X2 < 36

X1, X2 ≥ 0, X2 ≥ 3

Step 3: Solve subproblems

We repeat the process starting from subproblem 1 and solving the LP relaxation. The optimal solution is (X1, X2) = (3, 1.57) with an objective value of 9.71.

Since the objective value of the LP relaxation of subproblem 1 is less than the current upper bound of 12.5, we can discard this subproblem.

Next, we solve subproblem 2 by solving the LP relaxation. The optimal solution is (X1, X2) = (4.5, 3) with an objective value of 18.

Since the objective value of the LP relaxation of subproblem 2 is greater than the current upper bound of 12.5, we branch on X1:

Subproblem 3: max z = 2X1 + 3X2, subject to:

5X1 + 7X2 ≤ 35

4X1 + 9X2 < 36

X1, X2 ≥ 0, X2 ≥ 3, X1 ≤ 4

Subproblem 4: max z = 2X1 + 3X2, subject to:

5X1 + 7X2 ≤ 35

4X1 + 9X2 < 36

X1, X2 ≥ 0, X2 ≥ 3, X1 ≥ 5

We solve subproblem 3 and the optimal solution is (X1, X2) = (4, 3) with an objective value of 17. We can discard this subproblem since its objective value is less than the current upper bound.

Finally, we solve subproblem 4 and the optimal solution is (X1, X2) = (5, 3) with an objective value of 19. This is the optimal integer solution.

Step 4: Solution

Therefore, the optimal solution for the given IP model is (X1, X2) = (5, 3), with an optimal objective value of 19.

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Statement: A person who is retired and not looking for a job is still considered unemployed.
This statement is false.Unemployment refers to the condition of being without a job and actively seeking employment.

However, a person who is retired has voluntarily withdrawn from the labor force and is no longer seeking employment. Retirement is a personal decision to exit the workforce, and retirees are typically not considered as part of the labor force. Therefore, a retired person who is not looking for a job would not be classified as unemployed.

In order to be classified as unemployed, an individual must be actively seeking employment and available for work. Retirement implies a deliberate withdrawal from the labor force, and therefore, retired individuals who are not actively seeking employment are not considered unemployed.

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The initial value of the machine is approximately $1,129,620. December 31, year Q, ABC purchased a machine in exchange for an interest-bearing note requiring 5 payments of $291676 at the end of each year. The first payment was made on December 31, year 1. At the date of the transaction, the prevailing rate of interest for this type of note was 4.5%.We need to find the initial value of the machine.

To calculate the initial value of the machine, we need to find the present value of the interest-bearing note. The formula to calculate present value is: PV = PMT * [(1 - (1 / (1 + r)n)) / r]Where, PV = Present value PMT = Payment r = Interest rate per period n = Number of periods Using the given information in the question, we can calculate the initial value of the machine. PMT = $291676r = 4.5%n = 5PV = $291676 * [(1 - (1 / (1 + 4.5%)5)) / 4.5%]≈ $1,129,620. Therefore, the initial value of the machine is approximately $1,129,620.

Initial value: Initial value is the value of an asset when it was first purchased. It may also be referred to as the purchase price or the acquisition cost. It does not include any depreciation or appreciation that may have occurred since the purchase of the asset. Interest-bearing note:

An interest-bearing note is a written promise by one party to pay another party a certain amount of money, usually at a specific time in the future. The note specifies the interest rate that will be paid on the amount borrowed, as well as the repayment terms.

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COVID-19 IMPACT ON FINANCIAL MARKETS: The COVID-19 pandemic has been one of the most significant global health crises in recent history, and it has created substantial disruptions in financial markets worldwide. It has caused significant impacts on several different markets, including the stock market, bond market, mortgage market, exchange rates, and more. Below are five different market impacts and evidence/data of how the COVID-19 pandemic has impacted each market.

1. The Stock Market: The COVID-19 pandemic has had an enormous impact on the stock market, resulting in sharp declines in stock prices across the board. In the US, the Dow Jones Industrial Average (DJIA) plummeted to a historic low in March 2020, marking its worst one-day drop since the 1987 stock market crash. The pandemic caused significant uncertainty in the market, leading to investors' panic and a severe sell-off of stocks. Additionally, the COVID-19 pandemic has created significant economic challenges, with many businesses struggling to stay afloat, resulting in a decline in their stock prices.

2. The Bond Market: The bond market has also felt the impact of the COVID-19 pandemic, with government bonds, municipal bonds, and corporate bonds all experiencing significant changes. Interest rates dropped sharply in response to the pandemic, leading to a surge in demand for bonds. The Federal Reserve reduced interest rates, which resulted in the issuance of new bonds at lower yields. This led to an increase in bond prices, which is good news for investors holding bonds.

3. The Housing and Mortgage Market: The housing market has been impacted by the COVID-19 pandemic, with the pandemic's economic fallout leading to a decline in the real estate market. Many homeowners have struggled to keep up with their mortgage payments, leading to an increase in delinquencies and foreclosures. Additionally, a decline in home sales has resulted in lower home prices, which is a cause for concern for homeowners who were looking to sell.

4. Exchange Rates: The COVID-19 pandemic has had a significant impact on exchange rates. With the pandemic leading to a decline in global trade and a decrease in economic activity, many countries' currencies have experienced significant depreciation against other currencies. For example, the US dollar has seen a significant increase in value against other currencies due to the country's relative economic stability.

5. Commodities: The COVID-19 pandemic has had a significant impact on commodity prices, with many commodity prices dropping sharply. The decline in economic activity has resulted in a decrease in demand for commodities such as oil and gas. Additionally, supply chain disruptions have led to lower prices for many agricultural products, with farmers struggling to sell their crops.

Overall Impacts The COVID-19 pandemic has had a significant impact on financial markets worldwide, creating disruptions in the stock market, bond market, mortgage market, exchange rates, and commodity markets. While some markets have experienced a decline, others have seen an increase in demand. The overall economic impact of the COVID-19 pandemic remains unclear, but it is clear that financial markets worldwide will continue to be impacted for the foreseeable future.

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we can find that the YTM of the bond is approximately 0.0637 or 6.37% when rounded to four decimal places.

To calculate the yield to maturity (YTM) of the Ackerman Co. bonds, we need to use the formula for present value of a bond. The formula is as follows:

Bond Price = (Coupon Payment / YTM) * (1 - (1 / (1 + YTM)^N)) + (Face Value / (1 + YTM)^N)

Where:

Bond Price = $1,063.25 (given price of the bond)

Coupon Payment = 7% of the Face Value

YTM = Yield to Maturity (the variable we want to find)

N = Number of years to maturity

In this case, the bonds have 8 years left to maturity and make annual payments. We can substitute the given values into the formula and solve for YTM.

$1,063.25 = (0.07 * Face Value / YTM) * (1 - (1 / (1 + YTM)^8)) + (Face Value / (1 + YTM)^8)

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Given statement solution is :- It is important to note that changing to a lower priced supplier with shorter lead times may not be the most suitable option in this scenario. The product quality and reliability from the current supplier have been exceptional, and switching to a different supplier solely based on price and lead time considerations may compromise the overall quality and reliability of the product.

To recoup shrinking margins and volume for the product line, the project team should consider the following courses of action:

Work with the current supplier to reconsider the high-polish finish: Since the precision polishing operation accounts for one-third of the product cost and takes up a significant portion of the lead time, the team can explore alternative surface finishes that meet the required specifications while reducing cost and lead time. By collaborating with the current supplier, they can evaluate different finishing options that offer a balance between cost, lead time, and product quality. This approach can help lower the overall cost of the component and potentially improve profit margins.

Provide better demand information to the supplier to reduce lead time: By improving communication and sharing accurate and timely demand information with the supplier, the project team can help the supplier better anticipate and plan for fluctuations in demand. This can enable the supplier to adjust their production schedule accordingly, reducing lead times and minimizing stock-outs. Enhanced demand forecasting and coordination can lead to improved customer service, higher sales volumes, and reduced lost sales.

Negotiate with the supplier to provide supplier-managed inventories: By collaborating with the supplier to implement supplier-managed inventories, the project team can reduce lead times and minimize stock-outs. This approach involves the supplier taking responsibility for managing and replenishing inventory based on demand signals provided by the team. It can help improve responsiveness, reduce lead times, and ensure a more consistent supply of the product. Additionally, negotiating favorable terms and pricing with the supplier for this arrangement can contribute to recouping shrinking margins.

It is important to note that changing to a lower priced supplier with shorter lead times may not be the most suitable option in this scenario. The product quality and reliability from the current supplier have been exceptional, and switching to a different supplier solely based on price and lead time considerations may compromise the overall quality and reliability of the product. Therefore, it is recommended to explore the other options mentioned above before considering a supplier change.

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Organise Cash Flows: In a table, place the expected cash flows for each period in the succeeding columns after the time periods, normally in the left-hand column.

Discounting Cash Flows: For each period, multiply the cash flow by (1 + r)n, where r is the discount rate and n is the period, to get the discounted amount. The discounting procedure takes into account the declining value of potential cash flows.

Add together all the discounted cash flows from step 2 to determine NPV. The project's Net Present Value (NPV) is the outcome.

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The required elements to be included in segment disclosures for all reportable segments are E. Both A and B (Profit or loss and Total assets).

According to accounting standards, specifically International Financial Reporting Standards (IFRS) and Generally Accepted Accounting Principles (GAAP),

segment disclosures are necessary to provide users of financial statements with information about an entity's different operating segments. These disclosures help users understand the financial performance and position of the entity's various segments.

The required elements for segment disclosures generally include both the profit or loss and the total assets of each reportable segment.

Profit or loss represents the segment's financial performance, indicating its revenue and expenses, including operating income or loss. Total assets reflect the segment's size and the resources allocated to it.

Additionally, the chief operating officer or other management personnel may review additional financial data specific to each segment, beyond just profit or loss and total assets.

However, the inclusion of this additional financial data in segment disclosures is not required for all reportable segments. It depends on the significance and relevance of the data to provide meaningful information to users of the financial statements.

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(a) A resolution passed by a simple majority:

A resolution passed by a simple majority means that more than 50% of the votes cast by shareholders are in favor of the resolution. It is the common method of decision-making in company meetings.

(b) Resignation procedure for one director or the last remaining director:

If a company has only one director or if a resignation leaves only one director remaining, the remaining director must notify the Registrar of Companies within 30 days. The company must also appoint a new director within 30 days to meet the requirement of having at least two directors.

(c) Exceptions for single director resignation:

Sections 208 and 209 of the Companies Act 2016 provide exceptions for a single director to resign. These include situations where the remaining director is unable or unwilling to act, or where circumstances prevent the appointment of a new director. However, efforts should still be made to appoint a new director as soon as possible to comply with the minimum director requirement.

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The Economic Order Quantity (Q*) of the inventory item using Basic EOQ Model is 22317 units.

The formula for Economic Order Quantity (EOQ) is: EOQ = √((2DS)/H), where D is annual demand, S is setup cost, and H is holding cost. Given that Abdulrahman Al Mansouri is the purchasing manager at the headquarter of ADNIC insurance company with a central inventory operation and the fastest-moving inventory item has a demand of 8,835 units per year and inventory carrying cost of AED 95 per unit per year.

The average ordering cost is AED120 per order.

Economic Order Quantity (Q*) of the inventory item using Basic EOQ Model:

Q* = √((2DS)/H), Here, D = Annual demand = 8,835S = Ordering cost per order = AED120

H = Holding cost per unit per year = AED95Q*

= √((2DS)/H)

= √((2 × 8835 × 120)/95)

= √((2 × 1060200)/95)

= √22316.84

≈ 22317 units.

Therefore, the Economic Order Quantity (Q*) of the inventory item using Basic EOQ Model is 22317 units.

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Developing economies can be characterized as countries that are in the process of transitioning from low-income levels to higher levels of economic growth, industrialization, and technological advancement.

They typically face various challenges such as limited infrastructure, high poverty rates, inadequate access to education and healthcare, and underdeveloped financial systems. Developing economies often rely on sectors such as agriculture, manufacturing, and services as key drivers of their economic activity.

Developing economies are highly heterogeneous in terms of their economic, social, and political characteristics. They differ in terms of their resource endowments, geographic location, population size, cultural diversity, and governance structures. The level of development, growth rates, and challenges faced by developing economies vary significantly across different regions and countries.

Among the group of Least Developed Countries (LDCs), there are notable differences. Some LDCs are heavily dependent on agriculture and natural resource extraction, while others have made progress in diversifying their economies. Factors such as political stability, access to international markets, investment in infrastructure, and institutional quality also contribute to variations among LDCs. Additionally, differences in income levels, education, healthcare, and human development indicators exist among LDCs, reflecting the heterogeneity within this group of countries.

Overall, developing economies exhibit diverse characteristics, challenges, and levels of development, highlighting the need for tailored strategies and approaches to address their specific circumstances and promote sustainable growth and development.

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1. Sunshine's sales and purchases budget for the first quarter of 2022 are given below:

Month Sales($) Increased Sales($) Purchases($)

Jan 70,000 77,000 46,200

Feb 80,000 88,000 52,800

Mar 100,000 110,000 66,000

2. Cash budget for February and March 2022 is $4,000 and $4,450 respectively.

3. Victory can improve their cash flow by reducing expenses, improving collections, negotiating better payment terms, and improving inventory management.

1. The calculations for sales in the first quarter of 2022 are as follows:

Month Sales($) 10% Increase Sales Total Sales ($)

Jan 70,000 70,000 × 10% = 7,000  77,000

Feb 80,000 80,000 × 10% = 8,000 88,000

Mar 100,000 100,000 × 10% = 10,000 110,000

The calculations for purchases in the first quarter of 2022 are as follows:

Purchases are calculated as 60% of sales.

Month 60% of Sales($) Purchases ($)

Jan 70,000 × 60% = 42,000 46,200

Feb 80,000 × 60% = 48,000 52,800

Mar 100,000 × 60% = 60,000 66,000

2. Sunshine's cash budget for February and March 2022 are given below:

February

Beginning cash balance = $9,000

Collections from January sales = $15,400

Collections from February sales (20% of $88,000) = $17,600

Total available cash = $42,000

Less: Purchases ($52,800)

Less: Labor costs ($11,550)

Less: Other operating costs ($35,000)

Less: Loan repayment ($500)

Total cash disbursements ($99,850)

Ending cash balance ($57,850)

Since the ending cash balance is greater than the minimum required cash balance of $4,000, no additional financing is required.

March

Beginning cash balance = $57,850

Collections from February sales = $17,600

Collections from March sales (20% of $110,000) = $22,000

Total available cash = $97,450

Less: Purchases ($66,000)

Less: Labor costs ($16,500)

Less: Other operating costs ($35,000)

Less: Loan repayment ($500)

Total cash disbursements ($118,000)

Ending cash balance = ($20,550)

Since the ending cash balance is less than the minimum required cash balance of $4,000, financing is required. The shortfall is $24,550, and the amount of financing required should be rounded up to the nearest multiple of $500, which is $25,000. The ending cash balance after financing is $4,450.

3. Sunshine can consider the following suggestions to improve its cash flow:

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The holding period yield, when purchasing the bonds during issuance and selling them after 3 years for P1,074.50, would be the resulting percentage of the calculation above.

To compute the holding period yield, we need to calculate the total return earned on the investment, considering the purchase price, sale price, coupon payments, and the holding period.

First, let's calculate the coupon payment received each period:

Next, calculate the total coupon payments received during the holding period:

Now, let's calculate the total return, which is the sum of the coupon payments and the gain or loss from selling the bond:

Finally, calculate the holding period yield as a percentage of the purchase price:

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The number of units sold cannot be determined without the complete demand equation and additional information. The correct can not be determined in absence of demans equation.

To determine the number of units sold based on the given information, we need the complete demand equation for Acme Inc. Unfortunately, the demand equation is not provided, making it impossible to calculate the exact number of units sold.

The demand equation typically includes various factors such as price, advertising expenses, rebates, and other variables that influence consumer demand. Without the full equation, it is not feasible to determine the specific relationship between advertising expenses, rebates, and the number of units sold.

The options provided, A) 20,418, B) 20,133, and C) 177,698,950, are likely arbitrary numbers and cannot be directly linked to the given information without the complete demand equation. Therefore, none of the options provided can be selected as the correct answer.

To accurately determine the number of units sold, we would need additional information, such as the price of the product and the specific mathematical relationship between advertising expenses, rebates, and demand.

In summary, without the complete demand equation or additional information, it is not possible to calculate the number of units sold based solely on the given advertising expenses and rebate amount. Therefore none of the options can we said to be correct.

Therefore the correct answer cannot be determined.

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The cash receipts received from the issuance of a mortgage notes payable would be classified as financing activities.

Financing activities involve obtaining capital or funds for the business through borrowing or issuing equity instruments. When a company issues a mortgage notes payable, it is essentially borrowing money from the lender in exchange for a promise to repay the loan over a specific period of time, typically with interest.

Cash receipts from the issuance of mortgage notes payable represent an inflow of cash to the company, which increases its financing resources. These funds are obtained specifically to finance the company's operations, investments, or other financing needs. The cash receipts are categorized as financing activities in the statement of cash flows.

It's important to note that financing activities involve activities related to the company's capital structure, including issuing debt or equity instruments, repurchasing shares, and repaying principal amounts of loans.

These activities are distinct from operating activities, which involve the day-to-day business operations, and investing activities, which relate to the acquisition or sale of long-term assets.

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The economic order quantity (EOQ) is 3,675 bags. Economic Order Quantity (EOQ) is a formula used for calculating the optimal order quantity that a company should make to minimize the costs associated with ordering and holding inventory.

EOQ has a direct impact on inventory carrying costs, ordering costs, and total inventory costs. Problem 9 A:

The given data are as follows:

Annual Demand (D) = 90,000 bags

Ordering Cost (S) = $15

Cost per unit (C) = $1.50

Annual Holding

Cost per unit (H) = 20% = 0.20

Annual Demand (D) = 90,000 bags

Lead time (L) = 365 days.

EOQ formula : EOQ = √((2 DS) / H), where, D = Annual Demand

S = Ordering Cost

C = Cost per unit

H = Annual Holding Cost

EOQ = √((2 DS) / H)

EOQ = √((2 × 90,000 × 15) / 0.20)

EOQ = √(2,700,000 / 0.20)

EOQ = √13,500,000

EOQ = 3,674.23 ≈ 3675 (Approx) .Therefore, the economic order quantity (EOQ) is 3,675 bags.

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The monthly payment on a car loan with interest rate of 6% compounded is $463.99.

The monthly payment refers to amount paid per month to pay off the loan in the time period of the loan.

To calculate the monthly payment on a car loan, we can use the formula for the monthly payment of a loan [tex]Monthly Payment = (P * r * (1 + r)^n) / ((1 + r)^n - 1)[/tex].

Given:

P = $24,000

r = 6% / 12 = 0.005

n = 60 months

Plugging values:

Monthly Payment = (24000 * 0.005 * (1 + 0.005)^60) / ((1 + 0.005)^60 - 1)

Monthly Payment = 24000 * 0.005 *3.86656030589

Monthly Payment = 463.987236707

Monthly Payment = $463.99

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False. Negative perceptions of outgroups do not necessarily ensure better access to resources for the ingroup. Such perceptions can lead to discrimination, prejudice, and conflict, which can hinder cooperation and resource sharing. In fact, promoting inclusive attitudes and cooperation across groups tends to lead to more equitable resource distribution and societal benefits.

Negative perceptions of outgroups can result in various negative consequences, including social exclusion, stereotypes, discrimination, and conflict. These dynamics can create barriers to cooperation and hinder the sharing of resources. When ingroups hold negative perceptions of outgroups, it often leads to a lack of trust, cooperation, and collaboration between the groups, ultimately hindering access to shared resources and opportunities.

On the other hand, fostering positive intergroup relations, empathy, and cooperation has been shown to lead to more equitable resource distribution and better outcomes for both ingroups and outgroups. By breaking down stereotypes, promoting understanding, and working towards common goals, societies can create environments that are more inclusive and provide fair access to resources for all individuals, regardless of their group affiliation.

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The Equity multiplier (EM) is a financial metric that measures the leverage of a company or institution by comparing its total assets to its total equity. It is calculated by dividing total assets by total equity. Mathematically, EM = Total Assets / Total Equity.

Increasing the bank's capital, which refers to the amount of funds contributed by the bank's owners or shareholders, would have a negative impact on the Return on Assets (ROA) for equity holders when considering the Equity multiplier. This is due to the way EM affects the ROA calculation.

ROA is calculated by dividing the net income of the bank by its total assets. When the bank increases its capital, it also increases its total equity, which in turn increases the Equity multiplier. As the EM increases, the bank's total assets increase at a faster rate than its net income.

With a higher EM, the bank's total assets are amplified, but the net income remains relatively unchanged. Consequently, the ROA for equity holders decreases because the denominator (total assets) of the ROA calculation is increasing at a faster rate compared to the numerator (net income).

In conclusion, increasing the bank's capital would result in a higher Equity multiplier, which negatively impacts the ROA for equity holders. The increased leverage from higher total assets outweighs the relatively unchanged net income, leading to a lower ROA.

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The recognition criteria for the elements of financial statements are the conditions that must be met for an item to be included in the financial statements.

The International Financial Reporting Standards (IFRS) form the basis of the recognition criteria for financial statement elements, which include meeting the definition of a financial element, being measurable in monetary terms being relevant to decision making and being reliable.

The elements are quantified in accordance with the measurement basis for financial statements. Historical cost, fair value, net realizable value and present value are some common measurement bases. While fair value makes use of the most recent market prices, historical cost records assets and liabilities at their original cost.

Present value undervalues future cash flows, while net realizable value predicts the proceeds from asset sales. The nature of the item and the requirement for pertinent and accurate financial information for decision making determine the measurement basis to be used.

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Calculation of Tax Payable for Mr. RatnamYearly Salary received by Mr. Ratnam = RM 280,000

Annual salary of Puan Latha = RM 80,000

Tax relief for each unmarried child for 2021 = RM 2,000

Entertainment allowance received by Mr. Ratnam = RM 12,000

Bonus for excellent services = RM 56,000Dental.

Medical benefits = RM 1,500

New car worth RM 80,000Fully furnished house,

rental = RM 3,500/month including furniture RM 500 and

gardenerParking allowance = RM 200

Monthly fee for Mr. Ratnam’s youngest son in kindergarten = RM 400

Saved in SSPN Scheme = RM 12,000Contributed to EPF = RM 18,000

Educational insurance premium paid = RM 12,000

Medical insurance paid for children = RM 2,000/monthLife insurance bought and

premium paid = RM 6,000Paid for parents’

medical expenses = RM 9,000Books and

journals bought = RM 800

Personal computer bought in September 2021 = RM 3,000

Internet subscription paid per month = RM 100

Golf set bought last year = RM 4,000

Contribution for SOCSO = RM 400

Tax deduction every month = RM 3,500

Spent for Pulau Redang vacation in December 2021 = RM 1,200

To calculate the tax payable, we need to first calculate the chargeable income.

Chargeable income = Annual Salary + Bonus + Other Benefits - DeductionsYearly Salary = RM 280,000

Entertainment allowance = RM 12,000

Bonus = RM 56,000

Dental and Medical benefits = RM 1,500

Car = RM 80,000

Furnished house rental = RM 3,500/month X 12 months = RM 42,000

Furniture = RM 500Gardener = RM 500/month X 12 months = RM 6,000

Parking allowance = RM 200/month X 12 months = RM 2,400

Tax relief for unmarried children = RM 2,000 X 2 = RM 4,000

Kindergarten monthly fee = RM 400/month X 12 months = RM 4,800

Savings in SSPN Scheme = RM 12,000

Contribution to EPF = RM 18,000

Educational insurance premium paid = RM 12,000

Medical insurance paid for children = RM 2,000/month X 12 months = RM 24,000

Life insurance bought and premium paid = RM 6,000

Parents’ medical expenses = RM 9,000

Books and journals = RM 800Personal computer bought = RM 3,000

Internet subscription paid per month = RM 100/month X 12 months = RM 1,200G

olf set = RM 4,000SOCSO contribution = RM 400/month X 12 months = RM 4,800

Total Deductions = RM 188,500

Chargeable Income = RM 280,000 + RM 12,000 + RM 56,000 + RM 1,500 + RM 80,000 + RM 42,000 + RM 500 + RM 6,000 + RM 2,400 - RM 4,000 - RM 4,800 - RM 12,000 - RM 18,000 - RM 12,000 - RM 24,000 - RM 6,000 - RM 9,000 - RM 800 - RM 3,000 - RM 1,200 - RM 4,000 - RM 4,800= RM 285,900

Tax payable for chargeable income below RM 250,000 = RM 285,900 × 8%

Tax payable for chargeable income from RM 250,000 to RM 400,000 = (RM 400,000 - RM 250,000) × 14% = RM 1,750

Tax Payable= RM 22,872

The tax payable for the year of assessment 2021 for Mr. Ratnam on the assumption that the couple file for separate assessment is RM 22,872. .

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The volume of trade on financial markets, particularly foreign exchange, has significantly grown over the years. The foreign exchange (Forex) market, for example, is one of the most liquid markets in the world, with over $5.3 trillion traded per day.

The excessive trading volume on the financial markets is a cause of concern because it distorts market prices and causes market instability. Market instability is particularly detrimental to investors, as it increases the risk of market crashes, and this can have negative impacts on the global economy.The excessive trading volume on financial markets has a lot to do with the behavior of market participants.

Financial markets are characterized by a large number of speculators, who trade to make a profit rather than for long-term investment. These speculators can be individuals, hedge funds, or other institutional investors. The speculators do not invest in the underlying assets that the financial instruments represent but rather speculate on their prices. This behavior can cause excessive trading volume, which distorts market prices and causes market instability.There are several studies that support the argument that the volume of trade on financial markets is excessive. One of the most notable studies is by the Bank for International Settlements (BIS). The study found that excessive trading volume in the foreign exchange market causes market instability and can lead to market crashes. The study also found that the volume of trade in the foreign exchange market is not correlated with the real economy but rather with the behavior of market participants. This is evidence that the excessive volume of trade in financial markets is not based on fundamentals, but rather on the behavior of market participants.In conclusion, the excessive trading volume on financial markets is a cause of concern, as it distorts market prices and causes market instability. This behavior is fueled by speculators, who trade to make a profit rather than for long-term investment. Studies have shown that excessive trading volume in financial markets can lead to market crashes and has no correlation with the real economy. This suggests that the volume of trade on financial markets is excessive and needs to be regulated.

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At equilibrium, the values are w = 2, p = 12.67, and q = 0.

1. To find the equilibrium values of w, p, and q, we need to consider the profit maximization of both the manufacturer (M) and the retailer (R). The manufacturer's profit is given by M = (w - C(q)) * q, and the retailer's profit is given by R = (p - w) * D(p). At equilibrium, both M and R maximize their profits.

First, we find the equilibrium quantity q by setting the derivative of M with respect to q equal to zero and solving for q:

M' = w - C'(q) = 0

w - 2 = 0

w = 2

Next, we substitute the value of w into the demand function D(p) and set the derivative of R with respect to p equal to zero to find the equilibrium price p:

R' = (p - 2) * (20 - 2p) = 0

p - 2 - 2p + 40 = 0

-3p + 38 = 0

p = 12.67

Finally, we substitute the values of w and p into the demand function D(p) to find the equilibrium quantity q:

D(p) = 20 - 2p

D(12.67) = 20 - 2(12.67)

D(12.67) = 20 - 25.34

D(12.67) = -5.34

q = 0 (since the demand is negative, there is no equilibrium quantity)

Therefore, at equilibrium, the values are w = 2, p = 12.67, and q = 0.

2. Under the revenue sharing plan, M sells the good to R at marginal cost (C(q)), and M collects 50% of R's revenues. To find the equilibrium values of p and q, we follow a similar approach as in case 1.

Setting M' = 0, we have:

w - 2 = 0

w = 2

Substituting w into the demand function D(p), we have:

D(p) = 20 - 2p

D(p) = 20 - 2(2)

D(p) = 20 - 4

D(p) = 16

Setting R' = 0, we have:

(p - 2) * D(p) = 0

(p - 2) * 16 = 0

16p - 32 = 0

p = 2

Finally, substituting the value of p into the demand function D(p), we find the equilibrium quantity q:

D(p) = 16

q = 16

Therefore, under the revenue sharing plan, the equilibrium values are p = 2 and q = 16.

3. To compute the profits of M and R under the two cases:

a. In case a, the profits of M are given by M = (w - C(q)) * q, where w = 2 and q = 0. Plugging in the values, M = (2 - 2) * 0 = 0. The profits of R are given by R = (p - w) * D(p), where p = 12.67 and w = 2. Plugging in the values, R = (12.67 - 2) * (20 - 2(12.67)) = 52.92.

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