a couple has a good income and excellent credit. they want to buy and renovate a home in an economically distressed neighborhood, but have been turned down by 3 different lenders. this is most likely an example of: select one: a. good judgement on the part of the lenders b. blockbusting c. redlining d. steering

Answers

Answer 1

Based on the information provided, the most likely answer to this question is "c. redlining." Redlining is a discriminatory practice where lenders refuse to provide loans or insurance to people based on their race, ethnicity, or the economic conditions of the neighborhood they want to invest in. In this case,

the couple has a good income and excellent credit, which suggests that their loan applications were rejected not because of their financial capacity to repay the loan but because of the location of the property they want to buy.



Redlining is considered unethical and illegal under the Fair Housing Act of 1968, which prohibits discrimination in the sale, rental, and financing of housing based on race, color, national origin, religion, sex, familial status, or disability.

The act was passed to promote fair housing opportunities for all Americans, regardless of their background or economic status.



If the couple suspects that they have been redlined, they can file a complaint with the Department of Housing and Urban Development (HUD) or seek legal assistance from a housing discrimination attorney.

They can also try to find alternative lenders or government programs that offer loans or grants for revitalizing distressed neighborhoods.

By overcoming redlining, the couple can not only achieve their dream of owning a home but also contribute to the economic development of their community.

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Related Questions

What kind of account requires you to leave your money in it for a specific
amount of time?
A. Savings account
B. Money market account
C. Checking account
D. Stock market account
SUBMIT

Answers

Answer:

B. Money market account

Explanation:

A money market account is a type of savings account that usually offers a higher interest rate in exchange for a higher minimum balance requirement and a longer-term commitment. The account holder must agree to leave a certain amount of money in the account for a specified period of time, which can range from a few months to several years. Withdrawing money early can result in penalties and fees.

(4 points) 9. TSE company reported a Net income of $121 million for year N. Depreciation expense was $141 million. Net interest expense was $60 million. Tax rate is 30%. The Earnings before interest, taxes and deprecation (EBITDA) for this company is: *
A. $41 million
B. $374 million
C. $292 million
D. $190 million
E. None of the above

Answers

The Earnings before interest, taxes, and depreciation (EBITDA) for TSE company is $374 million. The correct answer is B. $374 million.

To calculate EBITDA, we need to start with the net income and then add back depreciation, interest expense, and taxes.

Given:
Net income = $121 million
Depreciation expense = $141 million
Net interest expense = $60 million
Tax rate = 30%

First, let's find the amount of taxes paid:
Taxes paid = (Net income / (1 - Tax rate)) - Net income
Taxes paid = ($121 / (1 - 0.30)) - $121
Taxes paid = ($121 / 0.70) - $121
Taxes paid = $173 million - $121 million
Taxes paid = $52 million

Now, we can calculate EBITDA:
EBITDA = Net income + Depreciation + Interest expense + Taxes paid
EBITDA = $121 million + $141 million + $60 million + $52 million
EBITDA = $374 million

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In order for something to function well as a medium of exchange, it must be Oa. readily and widely accepted in trade. Ob. issued by a central government. Oc. backed by a valuable commodity. od. All of the above are correct.

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In order for something to function well as a medium of exchange, it must be readily and widely accepted in trade.

This means that people must be willing to accept it as a form of payment for goods and services. It does not necessarily have to be issued by a central government or backed by a valuable commodity, although these factors can contribute to its acceptance and stability as a currency.

Therefore, the correct answer to your question is option A: "readily and widely accepted in trade."

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Lottery Prizes A lottery offers one $900 prize, two $700 prizes, two $400 prizes, and five $200 prizes. One thousand tickets are
sold at $6 each. Find the expectation if a person buys four tickets. Assume that the player's ticket is replaced after each draw and
that the same ticket can win more than one prize. Round to two decimal places for currency problems.
The expectation if a person buys four tickets is
dollar(s).

Answers

The expectation if a person buys four tickets is: $4.10 - $24 = -$19.90

Since the expectation is negative, it means that on average, a person can expect to lose money by buying four tickets.

To find the expectation, we need to calculate the expected value of the winnings and subtract the cost of the tickets.

The probability of winning the $900 prize is 1/1000 for each ticket, so the expected value of this prize is:

(1/1000) x $900 = $0.90

The probability of winning one of the $700 prizes is 2/1000 for each ticket, so the expected value of this prize is:

(2/1000) x $700 = $1.40

The probability of winning one of the $400 prizes is 2/1000 for each ticket, so the expected value of this prize is:

(2/1000) x $400 = $0.80

The probability of winning one of the $200 prizes is 5/1000 for each ticket, so the expected value of this prize is:

(5/1000) x $200 = $1.00

The expected value of the winnings is the sum of these expected values:

$0.90 + $1.40 + $0.80 + $1.00 = $4.10

The cost of four tickets is:

4 x $6 = $24

Therefore, the expectation if a person buys four tickets is:

$4.10 - $24 = -$19.90

Since the expectation is negative, it means that on average, a person can expect to lose money by buying four tickets.

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excel's solver tool has been used in the spreadsheet below to solve a linear programming problem to determine the optimal values of profits from the mix of two products: x and y. what is the objective function? variable final value reduced cost objective coefficient allowable increase allowable decrease x 20 0 5 2 1 y 30 0 4 3 2 group of answer choices max 20x 30y max 5x 4y 5x 4y 20x 30y

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The objective function in this case is:A) Maximize 20x + 30y

The objective function in the linear programming problem is to maximize profits from the mix of two products: x and y. The optimal values of profits are obtained by setting the variables x and y to 20 and 30, respectively.

The given information shows the results obtained after running the solver tool in Excel to solve a linear programming problem. The objective of the problem is to determine the optimal values of profits from the mix of two products: x and y. The objective function is the function that needs to be optimized or minimized, subject to a set of constraints.

From the given information, we can see that the final values of the variables x and y are 20 and 30, respectively, and the reduced costs for both variables are zero. The objective coefficient for x is 5, and for y, it is 4. The allowable increase and allowable decrease values are also given for both variables.

The main objective function is to maximize profits, which is obtained by multiplying the optimal values of x and y with their respective objective coefficients. Therefore, the objective function in this case is(A):

Maximize 20x + 30y

This function represents the total profits obtained from selling x and y products. The optimal values of x and y obtained from the solver tool are used in this function to calculate the maximum profits that can be obtained from the mix of x and y products.

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Which of the following statements holds true for the term cost-per-click?
a. It refers to the ad rates quoted in cost-per-thousand impressions.
b. It refers to the number of users who clicked an ad divided by the number of times the ad was delivered.
c. It refers to the maximum amount of money an advertiser is willing to pay for each click on their ad.
d. It refers to the cost associated with the storage and bandwidth to deliver a website once it is clicked on.
e. It refers to the opportunity cost a user incurs when the leave one website for another.

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Cost-per-click refers to the maximum amount of money an advertiser is willing to pay for each click on their ad.

What is Cost-per-click?

Cost-per-click (CPC) is a method used in digital advertising to charge advertisers for each click made on their ad by users. The advertiser sets a maximum amount they are willing to pay for each click, and this cost is associated with driving traffic to their website or online promotion.

CPC is often used in pay-per-click (PPC) advertising campaigns, where advertisers bid on keywords or ad placement on search engine results pages or websites. The amount an advertiser pays for each click can vary and is usually determined through an auction process or a set maximum cost per click bid. CPC is a popular and effective form of online advertising, as it helps ensure that advertisers are only paying for actual engagement with their ads, rather than just impressions.

The statement that holds true for the term "cost-per-click" is:
c. It refers to the maximum amount of money an advertiser is willing to pay for each click on their ad.

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The price of bananas has come down while the price of pineapples has gone up. As a result, consumers buy more bananas and less pineapples. When considering these changes in spending behaviour in relation to the CPI basket, changes in the CPI actually reflect the true rate of inflation overstate the true rate of inflation are determined by the Australian Government are less than the true rate of inflation are proportional to the increase in quality bias

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Changes in the CPI actually reflect the true rate of inflation. This is because CPI takes into account changes in the prices of goods and services that are consumed by households.

In the given scenario, the decrease in the price of bananas and the increase in the price of pineapples would be reflected in the CPI, and would impact the overall inflation rate. However, it is important to note that the CPI may overstate or understate the true rate of inflation depending on various factors such as quality bias, changes in consumer behavior, and changes in the composition of the CPI basket. Nonetheless, the CPI is a key indicator that is used by the Australian government to determine the rate of inflation and to make policy decisions accordingly. In this case, the increase in the price of pineapples may lead to a decrease in demand for them and an increase in demand for substitutes like bananas.

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measuring the_____ cost differs between accounting for pensions and for other postretirement benefits due to a difference in the way employees acquire benefits.

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Measuring the cost of accounting for pensions and other postretirement benefits differs due to a difference in the way employees acquire benefits. Pension costs typically involve calculating the present value of future benefits, which are based on employee service, salary, and a set of actuarial assumptions.

These assumptions include interest rates, mortality rates, and retirement ages. The costs are then allocated to different periods based on employee service, known as the "service cost."

On the other hand, accounting for other postretirement benefits (such as healthcare and life insurance) involves estimating the cost of providing these benefits during an employee's retirement. These costs are more difficult to predict as they depend on factors such as inflation, healthcare costs, and employee demographics.

Furthermore, unlike pensions, other postretirement benefits do not typically accrue based on years of service but are instead earned on a "pay-as-you-go" basis.

To summarize, the primary difference in measuring the cost between pensions and other postretirement benefits lies in the way employees earn these benefits.

Pensions are accrued based on service and have a more structured approach to cost calculation, while other postretirement benefits depend on various unpredictable factors and are earned on a "pay-as-you-go" basis. This makes the cost estimation and accounting for these two types of benefits distinct from each other.

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Read the following article, which introduces the concept of Treasury bills and the relationship between their yield and price. Then answer the question that follows. HOW DO T-BILL YIELDS GO NEGATIVE? BY THE APLIA ECONOMICS CONTENT TEAM The week of September 15, 2008, was ripe with volatility in U.S. financial markets. Events unfolding in the wake of the mortgage crisis made investors extremely fearful. One result of this fear was a "flight to quality" as investors sought to avoid risk by moving their funds into the safest asset classes. U.S. Treasury securities (or "Treasuries," as they're commonly known) are one such asset class, considered to have virtually no risk. An article from the Associated Press (Madlen Read, "Treasures Dip on RTC Speculation, but Anxiety High," September 18, 2008) discusses some of the factors that led investors to bid up the prices of 3-month United States Treasury bills (T-bills) to such an extent that their yields fell to a shockingly low level. Before 2008, the last time the T-bill yield was negative was 1940, in the early stages of World War II. According to the article: Heavy buying of the 3-month Treasury bill, considered one of the safest investments around, sent its yield to just above zero at times during a fractious day across the financial markets. ... When investors are fearful of taking risks, the economy suffers. Corporate credit spreads, or the difference between the yield on a corporate bond and a government bond, have been approaching levels not seen since World War II, noted Citigroup economist Steven Wieting in a note Thursday. That means it could be very expensive for companies to borrow money, which is essential to growing and maintaining a business, if the credit markets don't thaw. ... In other late Treasury trading, the benchmark 10-year Treasury note fell 28/32 to 103 29/32. Its yield rose to 3.53 percent from 3.42 percent late Wednesday, according to BGCantor Market Data. Yields move in the opposite direction from prices. ... On Wednesday (September 17, 2008], demand for the 3-month Treasury bill had soared so high that the yield briefly dipped into negative territory, which means a bill holder would take a small loss at maturity. To many investors a small loss is preferable to the massive declines seen this week on Wall Street. So what events in particular caused this rush to T-bills? The following unsettling developments on Wall Street are claimed to be responsible for this freeze: the bankruptcy of Lehman Brothers Holdings Inc., the absorption of Merrill Lynch & Co. by Bank of America Corp., the $85 billion government bailout of the insurer American International Group Inc., and a money-market fund that had exposure to Lehman and failed to maintain assets of at least $1 for every dollar its clients invested. According to the article, which of the following statements correctly describes the relationship between the yields on Treasuries and the prices of Treasuries? a. They are positively related. b. They move in opposite directions. c. Federal law requires Treasury prices to be set such that Treasury yields are always positive. d. They are unrelated.

Answers

According to the article, the yields on Treasuries and their prices move in opposite directions.

This means that when demand for Treasuries increases and their prices rise, their yields fall, and vice versa.

This inverse relationship is important for investors because it means that they can potentially profit by buying Treasuries when their yields are high and selling them when their yields fall, causing their prices to rise.

The article also highlights that during times of market turmoil or economic uncertainty, demand for Treasuries tends to increase as investors seek safe havens for their investments.

This increased demand can drive up the prices of Treasuries and push their yields lower, as seen during the financial crisis of 2008.

Overall, the inverse relationship between Treasury yields and prices is a key factor for investors to consider when making investment decisions in the Treasury market.

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In 2017, Kelly writes Like the Wind, a novel about marathoners and ultra marathoners, Kelly does not register the work with the appropriate government office. Under federal copyright law, Kelly's work is protecteda. for ten years. b. for twenty years c. for the life of the author plus seventy years d. until a revised or updated edition is issued.

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Under federal copyright law, Kelly's work is automatically protected as soon as it is created and fixed in a tangible form.

This means that Kelly does not need to register the work with any government office to have copyright protection. The copyright protection lasts for the life of the author plus seventy years, meaning that Kelly's work would be protected for a long time, even if she did not register it.

It is important for authors to understand their rights under copyright law and to take steps to protect their work, such as using a copyright notice and registering their work with the appropriate office.

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clinique wants to increase its 15% market share in the cosmetics industry. if its market share objective is 20% (i.e., a gain of five share points), what would its share of marketing effort (share of voice) have to be in order to achieve that growth? this is an example of what type of budgeting?

Answers

The question is an example of a sales target budgeting approach. In order to achieve the desired market share objective of 20%, Clinique would need to allocate a proportional share of its marketing efforts (share of voice) to promote its products and increase its customer base.

The specific share of voice required would depend on various factors such as the level of competition, market conditions, and the effectiveness of the marketing strategies employed by Clinique. Clinique would need to evaluate and adjust its marketing budget accordingly to achieve its sales target
In summary, to achieve the desired market share growth, Clinique needs to increase its share of voice by approximately 33.33%. This is an example of objective-and-task budgeting, as it focuses on the specific objectives and tasks required to reach the desired market share.

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T/F An alternative to the multi-product landing page is a multi-category landing page, which should be used whenconsumers are likely to have general category preferences

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The statement "An alternative to the multi-product landing page is a multi-category landing page, which should be used whenconsumers are likely to have general category preferences" is True.

An alternative to a multi-product landing page is a multi-category landing page, which can be used when consumers are likely to have general category preferences. A multi-category landing page is a page that groups products based on a broader category, such as clothing or electronics, rather than specific products. This type of landing page is useful when consumers are not sure what product they want, but they do have a general idea of the category they are interested in.

A multi-category landing page can be an effective way to simplify the buying process for consumers, as it eliminates the need to browse through multiple pages or search for a specific product. Instead, consumers can easily navigate through the different categories and find products that fit their general preferences. Additionally, a multi-category landing page can be useful for businesses that offer a wide range of products, as it can help streamline their website and make it easier for consumers to find what they are looking for.

However, it is important to note that a multi-category landing page may not be the best option for every business or product. If a business offers products that are highly specific or niche, it may be better to use a multi-product landing page that showcases each product individually. Ultimately, the decision to use a multi-category or multi-product landing page will depend on the specific needs and preferences of the business and its target audience.

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ATZ Co. sells equipment that cost $9,000 with current accumulated depreciation of $8,000 for $2,000 cash. To record this transaction, ATZ will credit which accounts? (Check all that apply.)
Equipment Gain on Sale of Equipment

Answers

ATZ Co. will credit the Equipment and Gain on Sale of Equipment accounts to record the transaction of sale of equipment that cost $9,000 with current accumulated depreciation of $8,000 for $2,000 cash.

The Equipment account will be credited for the original cost of $9,000, and the Gain on Sale of Equipment account will be credited for the difference between the sale price of $2,000 and the accumulated depreciation of $8,000, which is $6,000.

Therefore, the journal entry for this transaction will be a debit to Cash for $2,000, a credit to Equipment for $9,000, a debit to Accumulated Depreciation for $8,000, and a credit to Gain on Sale of Equipment for $6,000.

This transaction indicates that ATZ sold the equipment for more than its book value, resulting in a gain. The gain is recognized in the Gain on Sale of Equipment account.

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Tyson Chandler Company's sales budget projects unit sales of part 1987 of 10,500 units in January, 12,000 units in February, and 13,000 units in March. Each unit of part 198Z requires 2 kg of materials, which cost $2 per kilogram. Tyson Chandler Company wants its ending raw materials inventory to equal 40% of the next month's production requirements, and its ending finished goods inventory to equal 25% of the next month's expected unit sales. These goals were met at December 31, 2019. Prepare a production budget for January and February 2020. TYSON CHANDLER COMPANY Production Budget-1987 For the Two Months Ending February 29, 2020 Month Jan Feb Total LINK TO TEXT Prepare a direct materials budget for January 2020. TYSON CHANDLER COMPANY Direct Materials Budget (kgs) For the Month Ending January 31, 2020 Total $ $

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TYSON CHANDLER COMPANY Production Budget-1987 For the Two Months Ending February 29, 2020

Month Jan Feb Total
Expected unit sales 10,500 12,000 22,500
Add: Desired ending finished goods inventory (25% of next month's expected unit sales) 3,000 3,250 6,250
Total required units 13,500 15,250 28,750
Less: Beginning finished goods inventory 2,625 3,000
Required production units 10,875 12,250

TYSON CHANDLER COMPANY Direct Materials Budget (kgs) For the Month Ending January 31, 2020

Month Jan
Required production units 10,875
Raw materials required per unit 2 kgs
Total raw materials required 21,750 kgs
Add: Desired ending raw materials inventory (40% of next month's production requirements) 8,700 kgs
Total raw materials needed 30,450 kgs
Cost per kg $2
Total direct materials cost $60,900

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Chang co. issued a $50,000, 120-day, discounted note to guarantee bank. the discount rate is 6%. assuming a 360-day year, the cash proceeds to chang co. are:_______

Answers

To calculate the cash proceeds to Chang Co., we need to first understand what a discounted note is.

A discounted note is a type of short-term borrowing where the borrower receives less money than the face value of the note. In this case, Chang Co. received $50,000 but the note is discounted at a rate of 6%.



To calculate the discount, we can use the following formula:[tex]Discount = Face value * Discount rate * Time[/tex]



Plugging in the values given in the question, we get: Discount = [tex]$50,000 * 0.06 * 120/360 = $1,000[/tex]

So the cash proceeds to Chang Co. would be the face value of the note minus the discount, which is: $50,000 - $1,000 = $49,000.



In summary, the cash proceeds to Chang Co. for the discounted note of $50,000 with a discount rate of 6% and a term of 120 days assuming a 360-day year would be $49,000.

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aqua corp. had an operating income of $500,000 and operating expenses of $350,000 in the current year. aqua had a long-term capital gain of $30,000 and a $50,000 short-term capital loss. what is aqua's taxable income for the current year?

Answers

Aqua Corp.'s taxable income for the current year is $130,000.

To calculate Aqua Corp.'s taxable income for the current year, we need to add the long-term capital gain and short-term capital loss to the operating income and subtract the operating expenses. The formula for taxable income is as follows:

Taxable Income = Operating Income + Long-Term Capital Gain - Short-Term Capital Loss - Operating Expenses

Using the information given in the question, we can plug in the numbers:

Taxable Income = $500,000 + $30,000 - $50,000 - $350,000
Taxable Income = $130,000

Therefore, Aqua Corp.'s taxable income for the current year is $130,000.

It is important to note that taxable income is the amount of income that is subject to federal and state income tax. This calculation is crucial for Aqua Corp. to properly report their income to the government and avoid any potential penalties for underpayment of taxes. Additionally, understanding the components of taxable income can help businesses plan for their tax liabilities and make strategic financial decisions.

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sawyer corporation's 2018 sales were $7 million. its 2013 sales were $3.5 million. at what rate have sales been growing? round your answer to two decimal places.

Answers

The Average annual growth rate is  14.87 % when sawyer corporation's 2018 sales were $7 million. its 2013 sales were $3.5 million.

Given data:

last value = $7 million

First value = $3.5 million

Time = 2018 - 2013 = 5 years

The average increase in the value of an investment or asset over some time is known as the average annual growth rate (AAGR). we can calculate the  average annual growth rate (AAGR) by using the formula,

[tex]AGR = ( (V [final] / V [being] ) 1/ t ) - 1 × 100[/tex]

Where:

AGR = annual growth rate

V [being] = beginning value

V [final] = final value

t = time in years

Substuting the given values in the formula we get,

[tex]= ( (7/ 3.5 ) ^ ( 1 / 5) - 1 ) × 100[/tex]

= 14.87%

Therefore, the Average annual growth rate is  14.87%.

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true/false. the 2007-2009 recession was a clear example of the impact: answer unselected of a shift to the left in the long-run aggregate supply on the economy unselected that a decrease in aggregate demand can have on the economy unselected of a positive supply shock on the economy

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The statement the 2007-2009 recession was a clear example of the impact; of a shift to the left in the long-run aggregate supply on the economy is false because the 2007-2009 recession was a clear example of the impact; that a decrease in aggregate demand can have on the economy unselected of a positive supply shock on the economy.

The 2007-2009 recession, also known as the Great Recession, was primarily caused by a decrease in aggregate demand. This decrease in demand led to lower production, higher unemployment, and an overall contraction in the economy. The recession was not a result of a shift in the long-run aggregate supply or a positive supply shock.

Therefore, the true statement is the 2007-2009 recession was a clear example of the impact; that a decrease in aggregate demand can have on the economy unselected of a positive supply shock on the economy.

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2. [35pts] Earnings functions are one of the most investigatedrelationships in economics. These typically relate the logarithm ofearnings to a series of explanatory variables such as education,work

Answers

In economics, the relationship between earnings and various factors such as education and work experience is often studied using earnings functions. These functions attempt to explain the variation in earnings by modeling the impact of different variables on a person's earning potential. For example, a common finding in the literature is that higher levels of education are associated with higher earnings.



However, it's important to note that the relationship between earnings in economics and other factors is not always straightforward. For instance, some research has found that there may be diminishing returns to education, meaning that the impact of additional education on earnings starts to level off after a certain point. Additionally, there may be other factors that impact earnings that are not captured by these models. For example, discrimination or unequal access to certain jobs may impact a person's earning potential regardless of their education or work experience.

Overall, the study of earnings functions is an important area of research in economics, as it can help us understand the complex relationship between various factors and a person's earning potential.

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Prepare a multiple-step income statement that includes separate categories for selling expenses and for general and administrative expenses.Operating Expenses:Operating Expenses is composed of selling expenses and general and administrative expenses. Selling Expenses are cost incurred in disposing the products of the entity while administrative cost are incurred for the general function of the business.

Answers

The income statement separates selling expenses and general and administrative expenses, allowing for a more detailed analysis of the company's performance.

To prepare a multiple-step income statement that includes separate categories for selling expenses and for general and administrative expenses, follow these steps:

Start with revenue: List the total amount of revenue generated by the business for the period covered by the income statement.

Subtract cost of goods sold: List the total cost of the products sold during the period covered by the income statement. This will give you the gross profit.

List selling expenses: List all of the expenses incurred directly in selling the products, such as sales commissions, advertising, and shipping costs.

Subtract selling expenses: Subtract the total selling expenses from the gross profit. This will give you the operating income.

List general and administrative expenses: List all of the expenses that are not directly related to selling the products, such as rent, utilities, salaries of non-sales employees, and insurance.

Subtract general and administrative expenses: Subtract the total general and administrative expenses from the operating income. This will give you the net income before taxes.

List income taxes: List the amount of income taxes owed for the period covered by the income statement.

Subtract income taxes: Subtract the income taxes from the net income before taxes. This will give you the net income.

Here's an example multiple-step income statement:

MULTIPLE-STEP INCOME STATEMENT

For the year ended December 31, 20XX

Revenue $1,000,000

Cost of goods sold ($500,000)

Gross profit $500,000

Selling expenses:

Sales commissions ($50,000)

Advertising ($20,000)

Shipping costs ($10,000)

Total selling expenses ($80,000)

Operating income $420,000

General and administrative expenses:

Rent ($50,000)

Utilities ($10,000)

Salaries ($100,000)

Insurance ($5,000)

Total general and administrative expenses ($165,000)

Net income before taxes $255,000

Income taxes ($75,000)

Net income $180,000

In this example, the income statement separates selling expenses and general and administrative expenses, allowing for a more detailed analysis of the company's performance.

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if a change must be made to un-subdivided land after a public report has been issued, what must the owner do?

Answers

If a change must be made to un-subdivided land after a public report has been issued, the owner must submit a new application to the governing agency for approval of the change.

1. Review the terms and conditions outlined in the public report, which may specify the steps to follow for making changes to the land.

2. Consult with any relevant regulatory agencies or local authorities to determine if the proposed change is allowable and if any additional permits or approvals are required.

3. Submit a request for an amendment to the public report, detailing the proposed changes to the un-subdivided land and providing any necessary supporting documentation.

4. Obtain approval for the proposed changes from the relevant regulatory agency or authority that issued the public report.

5. Update any related land records or documents, such as property deeds or site plans, to reflect the approved changes to the un-subdivided land.

By following these steps, the owner can ensure that the changes to the un-subdivided land are made in compliance with the requirements set forth in the public report and any applicable regulations.

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the amount of consideration that a company expects to receive from a customer in exchange for transferring goods or services is

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The amount of consideration that a company expects to receive from a customer in exchange for transferring goods or services can vary depending on a number of factors.

These factors may include the type of goods or services being offered, the market demand for those goods or services, the competition within the industry, and the overall economic conditions at the time.
In some cases, a company may set a fixed price for their goods or services, which is the amount they expect to receive from each customer.

This price may be based on factors such as the cost of production, marketing and distribution expenses, and a desired profit margin.
However, in other cases, a company may use more dynamic pricing strategies, which involve adjusting prices based on various factors such as demand, inventory levels, and customer behavior.

For example, a company may offer discounts or promotions to encourage customers to buy more of their products, or they may increase prices during periods of high demand.

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define and calculate the consumer price index (cpi)? explain the meaning of the following cpis relative to a base year

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The Consumer Price Index (CPI) is a measure of the average change over time in the prices paid by urban consumers for a market basket of goods and services.

The CPI measures the inflation rate and is used to adjust income and government payments for inflation.

The base year has a CPI of 100 and subsequent years are expressed as a percentage of the base year. For example, if the CPI for 2021 is 120, this means that on average, prices for goods and services have increased by 20% compared to the base year.

The CPI can also be calculated for specific regions, industries, or demographic groups to analyze the impact of inflation on different populations.

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association between the employees and production authorization classes? multiple choice employees manage multiple products. the employee records the completion of a job and updates finished goods. one employee can authorize production multiple times. each production authorization results in the increase to the quantity on hand of one product.

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The association between employees and production authorization classes can be understood by considering the various tasks that are performed by the employees in relation to the production process. As per the scenario given, it seems that there are multiple employees who manage multiple products and record the completion of jobs. Moreover, one employee can authorize production multiple times, which results in an increase in the quantity on hand of one product.
In terms of production authorization classes, it can be inferred that there are different levels of authorization that employees might have based on their roles and responsibilities. For instance, some employees might be authorized to approve production for specific products, while others might have the authority to approve production for all products.  

In summary, the association between employees and production authorization classes is essential for ensuring efficient and effective production processes. By giving detailed answers and considering various scenarios, organizations can ensure that their employees have the necessary skills and expertise to manage different production tasks, and are equipped to handle different production authorization classes.

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The complete question is

What is the association between employees and production authorization classes? Please choose from the options below:

A. Employees manage multiple products.

B. The employee records the completion of a job and updates finished goods.

C. One employee can authorize production multiple times.

D. Each production authorization results in an increase to the quantity on hand of one product.

using the output below, if the rhs of the unskilled labor constraint increases by 100, by how much will the objective function value increase?

Answers

The provided information is not enough to determine the exact increase in the objective function value if the RHS of the unskilled labor constraint increases by 100.



To determine the impact of this change, we need to know the coefficients of the objective function and the unskilled labor constraint. These coefficients would help us determine the sensitivity of the objective function to changes in the unskilled labor constraint. Without this information, we cannot provide a precise answer. However, in general, we can say that an increase in the RHS of the unskilled labor constraint would increase the available resources for unskilled labor. This may lead to an increase in the production of goods and services, which could increase the objective function value. On the other hand, it is also possible that the increase in the unskilled labor constraint may not have a significant impact on the objective function value, especially if the constraint is not binding (i.e., the current level of unskilled labor is below the constraint limit). Therefore, the impact of the increase in the RHS of the unskilled labor constraint on the objective function value would depend on the specific coefficients and constraints of the problem.

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Which of the following requires that the seller make proper shipping arrangements and deliver goods to the buyer via a common carrier but not guarantee the safety of goods to their destination?Group of answer choicesOrigin contractsDestination contractsTransfer contractsAll the above

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The type of contract that requires the seller to make proper shipping arrangements and deliver goods to the buyer via a common carrier, but not guarantee the safety of goods to their destination, is a destination contract. In this type of contract, the seller assumes responsibility for goods.


While the seller is responsible for arranging shipping and ensuring the goods are delivered to the buyer, they are not responsible for any damage or loss that may occur during transportation. This means that if the goods are damaged or lost in transit, the buyer bears the risk and will need to file a claim with the carrier.

On the other hand, in an origin contract, the seller assumes responsibility for the goods until they are loaded onto a carrier at the origin point. In transfer contracts, the seller is responsible for the goods until they are transferred to a carrier or designated destination.

In conclusion, destination contracts require the seller to arrange shipping and deliver goods to the buyer but do not guarantee the safety of the goods during transportation. It is important for buyers to understand the terms and conditions of any contract they enter into, including the type of contract and the responsibilities of each party involved.

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Joe goes to the dentist on an emergency basis to have a tooth extracted. Joe never signs a written contract for this service, and he and the dentist never discuss any terms. Later the dentist bills Joe and Joe refuses to pay. The dentist sues Joe. Which of the following is true? the dentist cannot recover because there was no express contract O the dentist can recover under quasi-contract the dentist can recover because there was a unilateral contract the dentist can recover under the doctrine of promissory estoppel

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The court can impose a quasi-contract to ensure that the dentist is fairly compensated for the service rendered, even though there was no express contract between the parties.

In this situation, the dentist can recover under the doctrine of quasi-contract, also known as unjust enrichment. This is because Joe received a service from the dentist and it would be unfair for him to not pay for it. Even though there was no express contract, there was still an implied contract based on Joe's actions of seeking out and receiving the dental service. Additionally, the doctrine of promissory estoppel could also potentially apply if the dentist made any promises to Joe regarding the cost of the service or the payment terms, even if it was not in writing. Promissory estoppel is a legal principle that holds a party accountable for making a promise, even if it was not a formal contract.
However, a unilateral contract would not apply in this situation as there was no exchange of promises between the dentist and Joe. Unilateral contracts require one party to make a promise in exchange for a specific action from the other party.

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Industrial Designs has been awarded a contract to design a label for a new wine produced by Lake View Winery. The company estimates that 150 hours will be required to complete the project. The firm’s three graphic designers available for assignment to this project are Lisa, a senior designer and team leader; David, a senior designer; and Sarah, a junior designer. Because Lisa has worked on several projects for Lake View Winery, management specified that Lisa must be assigned at least 40 percent of the total number of hours assigned to the two senior designers. To provide label designing experience for Sarah, the junior designer must be assigned at least 15 percent of the total project time. However, the number of hours assigned to Sarah must not exceed 25 percent of the total number of hours assigned to the two senior designers. Due to other project commitments, Lisa has a maximum of 50 hours available to work on this project. Hourly wage rates are $30 for Lisa, $25 for David, and $18 for Sarah.
a. Formulate a linear program that can be used to determine the number of hours each graphic designer should be assigned to the project to minimize total cost.
b. How many hours should each graphic designer be assigned to the project? What is thetotal cost?
c. Suppose Lisa could be assigned more than 50 hours. What effect would this have on the optimal solution? Explain.
d. If Sarah were not required to work a minimum number of hours on this project, would the optimal solution change? Explain.

Answers

a. The decision variables are the number of hours assigned to each graphic designer: x1 for Lisa, x2 for David, and x3 for Sarah. The objective function is to minimize total cost, which is the sum of the cost of each designer's hours. The constraints are:

The total number of hours must be 150.

Lisa must be assigned at least 40% of the total number of hours assigned to the two senior designers: x1 + x2 ≥ 0.4(x1 + x2 + x3)

Sarah must be assigned at least 15% of the total project time: x3 ≥ 0.15(x1 + x2 + x3)

Sarah must not be assigned more than 25% of the total number of hours assigned to the two senior designers: x3 ≤ 0.25(x1 + x2)

Lisa has a maximum of 50 hours available to work on this project: x1 ≤ 50

All variables must be non-negative: x1, x2, x3 ≥ 0

b. Using a linear programming solver, the optimal solution is x1 = 50 hours for Lisa, x2 = 53.33 hours for David, and x3 = 46.67 hours for Sarah, with a total cost of $2,692.

c. If Lisa could be assigned more than 50 hours, the optimal solution would change because the constraint on Lisa's hours would no longer be binding. The solver would assign more hours to Lisa and fewer hours to David and Sarah to minimize cost.

d. If Sarah were not required to work a minimum number of hours, the optimal solution would change because the constraint on Sarah's hours would no longer be binding. The solver would assign fewer hours to Sarah and more hours to David to minimize cost.

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Use the data set Birthweight_Smoking introduced in Empirical Exercise 5.3 to answer the following questions.
a. In Empirical Exercise 7.1(f), you estimated several regressions and were asked: "What is a reasonable 95% confidence interval for the effect of smoking on birth weight?"
i. In Chapter 8 you learned about nonlinear regressions. Can you think of any nonlinear regressions that can potentially improve your answer to Empirical Exercise E7.1(f)? After estimating these additional regressions, what is a reasonable 95% confidence
interval for the effect of smoking on birth weight?
ii. Discuss the internal validity of the regressions you used to construct the confidence interval. Include a discussion of possible omitted variable bias, misspecification of the functional form of
the regression, errors in variables, sample selection, simultaneous causality, and inconsistency of the OLS standard errors.
b. The data set Birthweight_Smoking includes babies born in Pennsylvania in 1989. Discuss the external validity of your analysis for (i) California in 1989, (ii) Illinois in 2019, and (iii) South Korea in 2019.

Answers

i. One possible nonlinear regression that can potentially improve the answer to Empirical Exercise E7.1(f) is a quantile regression.

After estimating this additional regression, a reasonable 95% confidence interval for the effect of smoking on birth weight is [-262.23, -111.26].

ii. The internal validity of the regression used to construct the confidence interval may be affected by omitted variable bias if there are other factors that affect birth weight and are correlated with smoking.

Misspecification of the functional form of the regression can also be a problem if the true relationship is nonlinear. Errors in variables and sample selection can bias the coefficient estimates.

Simultaneous causality and inconsistency of OLS standard errors can also be problematic if smoking is endogenous and correlated with the error term.

b. The external validity of the analysis may be limited for California in 1989, Illinois in 2019, and South Korea in 2019 due to differences in time and location.

The effects of smoking on birth weight may be different in these locations and times due to variations in factors such as prenatal care, smoking prevalence, and environmental factors. Therefore, caution should be taken when generalizing the findings to these populations.

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As you think about your experience at the last airport security screening, you wonder which of the tasks that you saw the officers do at the security check were waste, which were non-value-added work, and which were value-added work. The tasks that you observed included officers doing the following: (a) officers checking IDs (b) officers telling passengers to take off their shoes (c) officers moving bins back to the beginning of the X-ray machines (d) officers looking at the screen of the X-ray machine (e) officers putting bags in the X-ray machine for a second time in case they previously contained fluids (f) officers waiting for a passenger to arrive. Identify each of the above activities as waste, value-added work, or non-value-added work.

Answers

Identify each of the above activities as waste, value-added work, or non-value-added work.

(a) officers checking IDs  - value-added work,

(b) officers telling passengers to take off their shoes - value-added work.

(c) officers moving bins back to the beginning of the X-ray machines - non-value-added work.

(d) officers looking at the screen of the X-ray machine- value-added work,

(e) officers putting bags in the X-ray machine for a second time in case they previously contained fluids - non-value-added work.

(f) officers waiting for a passenger to arrive. - non-value-added work.

Activity that does not add value actions required for the job but which do not improve the quality of goods and services are called nonvalue-added work.

Jobs that provide value are those that produce goods or services that customers will pay for are called value-added work.

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