MHM Bank currently has $700 million in transaction deposits on its balance sheet. The current reserve requirement is 8 percent, but the Federal Reserve is increasing this requirement to 10 percent.
a. Show the balance sheet of the Federal Reserve and MHM Bank if MHM Bank converts all excess reserves to loans, but borrowers return only 70 percent of these funds to MHM Bank as transaction deposits. (Enter your answers in millions. Do not round intermediate calculations. Round your "Panel B" answers to 3 decimal places. (e.g., 32.161))
Panel A: Initial balance sheets
Federal Reserve Bank
Assets Liabilities
(Click to select)LoansReserve deposits at FedReserve accountsSecuritiesTransaction deposits $ million (Click to select)SecuritiesLoansReserve accountsTransaction depositsReserve deposits at Fed $ million
MHM Bank
Assets Liabilities
(Click to select)SecuritiesReserve accountsTransaction depositsReserve deposits at FedLoans $ million (Click to select)SecuritiesTransaction depositsReserve accountsReserve deposits at FedLoans $ million
(Click to select)Transaction depositsSecuritiesReserve accountsLoansReserve deposits at Fed $ million Panel B: Balance sheet after all changes
Federal Reserve Bank
Assets Liabilities
(Click to select)LoansReserve accountsReserve deposits at FedTransaction depositsSecurities $ million (Click to select)Reserve deposits at FedSecuritiesReserve accountsLoansTransaction deposits $ million
MHM Bank
Assets Liabilities
(Click to select)Reserve deposits at FedSecuritiesReserve accountsTransaction depositsLoans $ million (Click to select)Reserve accountsLoansReserve deposits at FedSecuritiesTransaction deposits $ million
(Click to select)LoansSecuritiesTransaction depositsReserve accountsReserve deposits at Fed $ million b. Show the balance sheet of the Federal Reserve and MHM Bank if MHM Bank converts 70 percent of its excess reserves to loans and borrowers return 90 percent of these funds to MHM Bank as transaction deposits. (Enter your answers in millions. Do not round intermediate calculations. Round your "Panel B" answers to 3 decimal places. (e.g., 32.161))
Panel A: Initial balance sheets
Federal Reserve Bank
Assets Liabilities
(Click to select)Reserve deposits at FedSecuritiesReserve accountsLoansTransaction deposits $ million (Click to select)Transaction depositsReserve deposits at FedSecuritiesReserve accountsLoans $ million
MHM Bank
Assets Liabilities
(Click to select)Transaction depositsReserve accountsLoansReserve deposits at FedSecurities $ million (Click to select)LoansReserve accountsSecuritiesReserve deposits at FedTransaction deposits $ million
(Click to select)SecuritiesTransaction depositsLoansReserve deposits at FedReserve accounts $ million
Panel B: Balance sheet after all changes
Federal Reserve Bank
Assets Liabilities
(Click to select)SecuritiesTransaction depositsReserve accountsLoansReserve deposits at Fed $ million (Click to select)Transaction depositsLoansSecuritiesReserve accountsReserve deposits at Fed $ million
MHM Bank
Assets Liabilities
(Click to select)SecuritiesReserve deposits at FedLoansTransaction depositsReserve accounts $ million (Click to select)SecuritiesReserve accountsReserve deposits at FedLoansTransaction deposits $ million
(Click to select)Transaction depositsReserve accountsReserve deposits at FedLoansSecurities $ million

One of the reasons that could be causing this balance is that the client has added transactions in the Banking Center without assigning an account to them.

This refers to the financial activity of keeping financial records of a company for accounting purposes.

The second reason can be that the client entered an Opening Balance when creating a new Other Current Asset account

Opening balances were included when importing Customers, using the Import Data tool

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Implementation of plans is the final step in the process of planning. This involves putting the plans into action so as to achieve the business objectives Implementation of plans requires establishment of policies, procedures, standards, budgets, etc.

Answer:

The cause in this scenario is the impending price increase of the bicycle. This external factor is prompting the individual to make a decision to purchase the bike sooner rather than later to avoid paying a higher price in the future. The cause is the change in the price of the bicycle, which is influencing the decision-making process of the individual.

Explanation:

Answer:

The journal entry to record the sale :

Debit : Note Receivable $120000

Credit : Sales Revenue $120000

Explanation:

The journal entry to record the sale includes a Debit entry of a Note Receivable at the amount owed by the customer since there was no immediate payment of cash and a Credit entry of Sales Revenue to recognize Income earned.

To make the description of the data sources in the prepare phase more descriptive, you can consider the following steps:

Specify the location of the data: Provide specific information about the sources of the data, such as the name of the database, website, or organization where the data was obtained. If applicable, mention any specific datasets or files used.

Detail the organization of the data: Describe how the data is structured or organized, whether it is in a tabular format, spreadsheets, databases, or any other specific format. Mention the variables or fields present in the data and how they are arranged.

Address bias and credibility issues: Discuss any potential biases or credibility concerns associated with the data sources. Consider the source's reputation, the methodology used to collect the data, and any known limitations or biases in the data collection process.

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Market research can help you strategize your business and marketing goals.

Primary research is more specific and tailored to your specific needs than secondary research.

Your first marketing priority is to find out if you can sell your product or services.

The grouping of people for marketing purposes is called segmentation.

Once you find out what people want, there's a need to know the motivations for their choices.

Market research plays a critical role in shaping business and marketing strategies by providing valuable insights into customer preferences, market trends, and competitive landscapes. It helps in identifying target markets, understanding customer needs, and developing effective strategies to achieve business and marketing goals.

By conducting research, businesses can gather data and information to inform their decision-making and ensure that their goals are aligned with customer expectations and market opportunities.

Primary research involves gathering firsthand data directly from the source, such as through surveys, interviews, or observations. It is more specific and focused on the unique needs and objectives of a particular study. Secondary research, on the other hand, involves using existing data and information from published sources.

While secondary research provides a broader understanding of a topic, primary research allows for more control and customization of the research process to address specific research objectives.

When launching a new product or service, one of the primary marketing priorities is to determine if there is a demand for it in the market.

Market research helps in assessing the viability and potential success of a product or service by gathering insights on customer preferences, needs, and market conditions. This information enables businesses to make informed decisions about product development, positioning, pricing, and marketing strategies.

Segmentation is the process of grouping individuals with similar characteristics or behaviors into distinct segments for marketing purposes.

By segmenting the market, businesses can target specific groups that are most likely to be interested in their products or services. Market segmentation allows for more personalized and targeted marketing strategies, resulting in better customer engagement and increased marketing effectiveness.

Once businesses identify what people want through market research, it becomes crucial to understand the motivations behind their choices. This involves delving deeper into the underlying reasons, preferences, and factors that drive consumer behavior.

By understanding the motivations behind consumer choices, businesses can tailor their marketing messages, product features, and overall customer experience to better align with customer needs and increase the chances of success in the market.

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'Developmental programs improve conceptual skills of managers for the future job' is true. The right answer is a.

The goals and content of training and development are different from one another. While "development" refers to a long-term method through which managerial personnel understand conceptual and theoretical knowledge for broad reasons, "training" is a short-term process through which non-managerial personnel acquire technical knowledge and skills for a specific purpose.

Development covers the process through which managers and executives build capacity for both future managing roles as well as skills and competence for their current ones.

The correct answer is option a.

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1. Paid Office Station Co. for part of the debt incurred on April 5, $1,200.

Debit: Accounts Payable - Office Station Co.$1,200

Credit: Cash $1,200

2. Provided services on account, $4,200.

Debit: Accounts Receivable $4,200

Credit: Service Revenue  $4,200

To pay off the remaining balance owing to Office Station Co., a debit is sent to the accounts payable account. To account for the cash outflow, the Cash account is credited. This journal entry records the settlement of a portion of the debt incurred on April 5 with Office Station Co.

The acknowledgment of revenue for services rendered to a client on the account is represented by this journal entry. To reflect the increase in the amount due by the client, the Accounts Receivable account is debited.

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The complete question is probably

Write journal entries

12. Paid Office Station Co. for part of the debt incurred on April 5, $1,200. 12. Provided services on account, $4,200.​

Answer:

There is no contract yet in this situation.

Teams are a valuable management technique that is likely to endure, but their implementation may change as the needs of organizations and the workforce evolve.

Teams have been a valuable management technique for decades, and their popularity has only increased over time. Teams can bring together individuals with different skills and perspectives, enabling them to work collaboratively to achieve a common goal. Additionally, teams can foster innovation and creativity, as well as promote a sense of ownership and accountability among team members.

There is no reason to believe that teams will become less important in the future. In fact, with the rise of remote work and the need for organizations to be more agile and adaptable, teams are likely to become even more prevalent. However, it is possible that the way teams are managed and organized may evolve over time, as new technologies and management theories emerge.

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Answer: D

Explanation:

And I just did it

Answer:

Explanation:

its actually C.

Comprehensive car insurance policy usually has the highest premium among all the other types of car insurance policies. Hence the correct answer is A.

Comprehensive car insurance is an optional coverage that provides protection against damage to your vehicle from various risks such as theft, vandalism, fire, and natural disasters. It also covers damages to your car from collisions with animals. Comprehensive car insurance provides broader coverage than liability insurance, including damage to both other people and property and your own car, making it more expensive.

Therefore, comprehensive car insurance policy usually has the highest premium among all the other types of car insurance policies. Hence the correct answer is A.

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The topical essay exam questions that suggest illustration/example essay is option C. Is the U.S. economy improving or declining. Provide examples.

Illustration essay is a type of essay rhetorical style that uses examples to support the thesis or main idea of a paragraph or essay. Illustration essay is most often used at the paragraph level to help illustrate or support a point, but you may also encounter illustration essays of various types in your college courses.

Therefore, the correct answer is as given above

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Answer:

Dr research and development expense $24,000,000

Dr computer software costs                     $12,000,000

Cr Cash                                                                     $36,000,000                                                                      

Amortization is $3,600,000

Balance sheet balance in 2022 is $8,400,000

Explanation:

The cash of $36 million spent would be credited to cash account as an outflow of cash while $24 million would be debited to research and development expense account with the balance of $12 debited to computer software costs  as asset

amortization for 2022=cost of software*revenue in 2022/total estimated revenue=$12,000,000*$18,000,000/$60,000,000=$3,600,00

Amount of computer software at 31 December 2022=$12,000,000-$3,600,000=$ 8,400,000

Business-to-Business is the primary characteristic

A sales channel is a chart that tries to establish ways through which a product or services reach the market, coming through the producer to other business through (B2B) and then, to the end customers

The Four known types of Sales Channels are:

In conclusion, the primary characteristic of all physical and digital sales channels is Business to Business (B2B) because products or services must pass middlemen when then distribute in smaller unit to end consumers.

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Answer:

B. Closing Sales...

Btw don't trust the answer at the top.

Explanation:

The following are common types of sales channel. Using a sales force to establish a network of customers and sell to them. Common in areas such as business-to-business sales. Using a third party as a sales force. Selling through physical locations such as a shop or product showroom.

According to IESBA Public Interest Entity audit client rules, the restricted entities are D. Birch, Willow, and Beech.

According to the IESBA Public Interest Entity audit client guidelines, the restricted entities included Birch, Willow, and Beech.

The restricted entities have income that exceeds 10% of the consolidated incomes of the auditing firm, and they are legally related entities.

Oak in Birch = 100%

Birch in Williow = 30%

Oak in Beech = 40%

Thus, the restricted entities, according to IESBA Public Interest Entity audit client rules, are D. Birch, Willow, and Beech.

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The supermarket brand should merge the ad sets and apply automatic placement for their marketing i.e. option 1

The campaign measurement is considered to be the process of measuring the impact of one's marketing or advertising efforts against their campaign goals. So, here the media buyers tend to oversee the media buying process, which is with input from the media planning team.

However, with the understanding of the marketing goals and also target audience preferences which is given by the media planning team, media buyers tend to execute the actual purchase of the advertisement space.

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Answer:

d. corporation

Explanation:

A corporation raises its capital by issue of stocks and Stockholders that subscribe for these shares will in turn receive their return in form of dividends.

Partnerships, government entities and sole proprietorship do not raise capital by issuance of stocks.

The type of business that is most likely to obtain large amounts of resources by issuing stock is d. corporation

The following information should be considered:

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Josh will collect $3600 in interest if he keeps the $8000 10-year bond with a 4.5% coupon rate to maturity.

To calculate the interest that Josh will collect from the 10-year bond with an $8000 face value and a coupon rate of 4.5%, we need to consider the annual interest payment and the total number of interest payments over the bond's lifespan.

The annual interest payment can be calculated by multiplying the face value of the bond ($8000) by the coupon rate (4.5%). This gives us an annual interest payment of $360 (8000 * 0.045).

Since the bond has a 10-year maturity, there will be a total of 10 interest payments over its lifespan. Therefore, the total interest Josh will collect can be calculated by multiplying the annual interest payment ($360) by the number of interest payments (10).

Total interest = Annual interest payment * Number of interest payments

Total interest = $360 * 10

Total interest = $3600

Therefore, if Josh keeps the bond to maturity, he will collect a total of $3600 in interest over the 10-year period.

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The average price of an iPad goes up by $20 when a major online retailer changes its sale policies Increase in iPad price will shift the demand curve.

In the market for tablets, changes in the average price of an iPad can lead to shifts in the demand curve. When the price of an iPad increases by $20 due to changes in the retailer's sale policies, the demand curve for iPads will shift to the left, meaning that consumers will demand less of the product. This is because the increase in price makes the iPad less affordable and less desirable to consumers, leading to a decrease in demand. On the other hand, the supply curve will remain unchanged because the retailer's change in policies does not affect the willingness or ability of suppliers to produce and sell iPads. This results in a new market equilibrium where the quantity of iPads demanded will be lower and the average price will be higher.

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If the average transaction at a single channel, single phase checkout stand can be completed in 5 minutes and customers arrive at the average rate of one every 4 minutes then the server utilization is 0.8.

A transaction is a contract made between a buyer and a seller. In a transaction, the seller offers products, services, or other financial assets in return for money in the form of currency. A business's ability to generate consistent income and manage cash flow depends on its ability to conduct financial transactions.

A cash transaction is when you pay for something with cash right away. A few days may pass before the trade settles, yet some market stock transactions are still regarded as cash transactions. Futures contracts are not thought of as cash transactions.

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Coca- Cola uses a combination of global PR strategies on its website. The company has historically employed the standardization approach.

Presenting a harmonious brand communication and image across all requests. Coca- Cola also adapts its communication to specific original requests following the localisation strategy. On its website, Coca- Cola features elevations, events, and marketing campaigns that appeal to indigenous requests while still adhering to the company's core values. also, Coca- Cola recognises artistic differences, employing across-cultural strategy in its global communication.

By exercising these approaches, Coca- Cola can maintain a consistent brand identity while connecting with different consumers across various requests.

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Business strategy that incorporates the key operational capability of flexibility is utilizing specialized, automated equipment for consistent product buildup.

Thus, the correct option is A.

A business strategy explains the precise methods through which a company intends to position itself, accomplish its short- and long-term objectives, and expand over time.

A plan outlining how a corporation will accomplish its objectives is known as a business strategy. Although there are many distinct business strategies, cost leadership, differentiation, and focus are a few typical examples.

Cost, quality, distribution, technology, and intellectual property are the only five corporate tactics (IP). These five concepts, or a mixture of them, form the basis of all corporate strategy. Focusing your business on just one thing is generally the simplest to implement.

A strategy is essentially just a hypothesis. For a strategy to be effective, the issue that needs to be resolved must be accurately diagnosed, a guiding policy must be established to handle the issue, and a set of cogent actions must be proposed to carry out the policy.

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Answer:

are u ok?

Explanation:

Based on the information, the condition that would allow him to work on the firm's audit of ABC is  His loan is not material to his net worth. Thus the correct option is D.

Bob Martino would need permission from ABC management in order to participate in the corporate audit of ABC Co., a financial institution.

Bob Martino would need permission to refrain from using any private information gained from the credit union audit for his or her own benefit in order to qualify for the exemption.

The auditing company would need to determine whether his loan is material to his net worth in order to make sure he is not swayed by his own financial interests.

Therefore, option D is appropriate.

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Answer:

a. $49.83 (+ or - $0.05).

Explanation:

Given that :

Dividend of the first three years and the terminal value at the end of the year 2, that is the price at the end of year 2.

We know that the price of the share is the preset value of all the future dividends.

So we have to present price at the year 2 which is at present value for the end of the year 2 of the dividends beyond year 2.

To calculate the price of the stocks at present, we  :

1. The present value for the price of the year 2 that is pv at the end of the year 2 of the dividend to be received beyond the year 2.

2. The present value of the dividend of the year 1 as well as year 2.

3. Then we add the steps 1 and 2 to get the present value of all the dividends.

Therefore,

The present value of the price at nth year with r rate of return is given by :

\($\frac{\text{price at nth year }}{(1+r)^n}$\)

Hence, the present value of the price at the year 2 with 15.20% rate of return is = \($\frac{54.78}{(1+0.1520)^2}$\)

             \($=\frac{54.78}{1.327104}$\)

            = $ 41.28

Now present value of dividend of the first 2 years :

Dividend received at the end of the nth year with rate of return r is

  = \($\frac{\text{dividend}}{(1+r)^r}$\)

  Therefore the present value of the dividend of the first two years is

 = \($\frac{2.79}{(1+0.1520)^1}+\frac{7.43}{(1+0.1520)^2}$\)

 = 2.10 + 6.45

 = $ 8.55

Now , $ 41.45 + $ 8.55

       = $ 49.83

Thus, the current price of one share of the XYZ stock is $ 49.83

Answer:

≅: Congruent

㏒: Logarithms

⇆: Reversible

Explanation:

None