which early warning sign in the borrowers financial statements involves current assets? a. deterioration in borrowers cash position b. rapid changes in borrowers fixed asset concentrations c. significant increase in borrowers intangible assets d. high and increased financial leverage of borrower
Answers
The answer is option(a) Deterioration in borrowers cash position.
This early warning sign involves a decrease in the borrower's current assets, such as cash, inventory, and accounts receivable. This decrease can be an indication of financial distress, and should be monitored closely. It could be caused by a decrease in sales, delayed payments from customers, or over-investment in fixed assets.
A decrease in cash position could lead to liquidity issues and could prevent the borrower from meeting their obligations. Therefore, it is important for lenders to monitor the borrower's current assets to assess their financial health.
The lender should also investigate the underlying causes of the deterioration in cash position. They should assess the borrower's ability to manage their finances and continue to generate enough cash flow to cover their obligations.
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Related Questions
Which type of agreement assures that a broker will receive compensation regardless of who procures the buyer
Answers
Exclusive right to sell listings: The agreement pays the agent regardless of whether the seller of the property is the agent or the seller.
Sole agency list: Agents are only paid when they sell properties in this type of arrangement. No commission is charged if only the owner sells the property.
Open list: In this type of contract, the seller has the right to use as many brokers as they wish. However, the seller is not obligated to pay these if the property is sold without the help of an intermediary. Net listing:
This type of agreement may be illegal in your state. Agents can keep whatever they can get their hands on for more than the owner's desired selling price.
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started business with cash Rs 100000 and furniture Rs 50000
Answers
Answer:
See below
Explanation:
Cash and furniture are assets. An increase in assets is debited. The amounts used to buy the in facilitating the transactions is the capital.
The journal entry will be as below,
Cash A/c Dr. Rs 100,000
Furniture A/c Dr. Rs 50,000
Capital A/c Cr. Rs 150,000
What is the difference between a total and a subtotal?
Answers
Explanation:
SUB-TOTAL:
The total for a part of a list of numbers being summed.
TOTAL:
An amount obtained by addition of smaller amounts.
Answer:
subtotal is all the different parts being added together from different list.
total is the all items being added together plus tax.
Explanation:
sugar skull corporation uses no debt. the weighted average cost of capital is 9.5 percent. the current market value of the equity is $18.1 million and the corporate tax rate is 21 percent. what is the ebit? (do not round intermediate calculations. enter your answer in dollars, not millions of dollars, rounded to 2 decimal places, e.g., 1,234,567.89.)
Answers
We can find EBIT as:
$18,000,000 = EBIT(1 - .35)/.08
EBIT = $2,215,384.62
What is EBIT?EBIT, or earnings before interest and taxes, is a commonly used metric to assess an organization's operating profitability.
EBIT, as its name implies, is net income before taxes and interest on debt. Although both of these expenditures are actual cash outlays, they are not produced by the company's primary commercial activities.
In the first case, depreciation and amortization are first subtracted from EBITDA. Alternatively, if a business does not employ the EBITDA statistic, operational income can be calculated by deducting SG&A from gross profit.
Operating profit is the amount left over after operating costs and cost of goods sold (COGS).
EBIT is another name for it (earnings before interest and taxes). The fact that many businesses track both operational profit and gross profit is significant.
How much of a company's revenue is left over after operational costs are subtracted is answered by EBIT.
If a company's EBIT is negative, the managers will need to either reduce expenses or boost revenues in order to turn a profit.
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A company purchases a piece of equipment for $50,000. The company
estimates a useful life of 10 years and a salvage value of $5,000. Using
straight-line depreciation, what is the depreciation expense each year?
A. $5,000
B. $4,500
C. $5,500
D. $4,000
Answers
Using straight-line depreciation, the depreciation expense each year is $4,500. Hence the correct answer is option B.
To calculate the depreciation expense each year using straight-line depreciation, we need to subtract the salvage value from the initial cost and divide it by the useful life of the equipment.
Depreciation Expense = (Initial Cost - Salvage Value) / Useful Life
In this case, the initial cost is $50,000, the salvage value is $5,000, and the useful life is 10 years.
Depreciation Expense = ($50,000 - $5,000) / 10
Depreciation Expense = $45,000 / 10
Depreciation Expense = $4,500
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I NEED HELP PLS DONT RESPOND WITH A LINK
_______ used the terms Theory X and Theory Y to describe different attitudes managers had about employees.
Douglas McGregor
Victor Vroom
Elton Mayo
Robert Colby
Answers
As a student, you are able to earn extra money by assisting your neighbors with odd jobs.
If you charged $13.25 an hour for your assistance, about how many hours would you
need to work to earn $11,425? Show your work.
Answers
Answer:
about 862.26 hours
Explanation:
you just divide 11,425÷13.25 which you can solve on calculator or phone and that's your answer I HOPE IT HELPED
Discussion 1
In Lesson 1 and Lesson 2, you learned that price elasticities of
demand and supply are important for understanding the response of
consumers and producers to changing demand and supply co
Answers
Lesson 1 and Lesson 2 indeed emphasized the significance of price elasticities of demand and supply in analyzing the reactions of consumers and producers to fluctuations in demand and supply conditions.
Price elasticity of demand measures the responsiveness of the quantity demanded to changes in the price of a product. It indicates how sensitive consumers are to price changes. If demand is elastic, a small change in price will result in a relatively large change in quantity demanded. On the other hand, if demand is inelastic, quantity demanded will change minimally in response to price variations.
Understanding the price elasticity of demand helps businesses determine the potential impact of price changes on their sales revenue. For example, if demand is elastic, a price decrease may lead to a substantial increase in quantity demanded, thereby boosting total revenue. Conversely, a price increase in elastic demand may result in a significant decline in quantity demanded and lower revenue.
Price elasticity of supply, on the other hand, measures the responsiveness of the quantity supplied to changes in the price of a product. It indicates how sensitive producers are to price changes. If supply is elastic, a small change in price will cause a relatively large change in quantity supplied. In the case of inelastic supply, quantity supplied will change minimally in response to price fluctuations.
Understanding the price elasticity of supply helps businesses assess their ability to respond to changes in demand. If supply is elastic, producers can increase output significantly when prices rise, which helps stabilize prices. In contrast, if supply is inelastic, producers may struggle to increase output, resulting in price spikes during periods of increased demand.
Overall, price elasticities of demand and supply provide crucial insights into the dynamics of markets and help businesses make informed decisions about pricing, production levels, and market strategies.
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Which is a good rule to follow when sending business emails? (1 point)
Answers
Answer:
Avoid forwarding spam and unnecessary messages such as chain letters.
Explanation: did the test
The good rule that must follow at the time of sending business emails is to avoid forwarding spam and unwanted texts like chain letters.
What is email?An email, is also called as the electronic mail. It is one of the most extensively employed features of the Internet, that is mostly used in the formal business organizations.
It allows a person to transport and acquire messages from nay person in the globe that has an email account. Within the TCP/IP suite, email uses a variety of protocols.
When sending business emails, a good tip to follow is to avoid forwarding spam and undesirable texts like chain letters.
Therefore, the use of formal languages and proper formats made the emails more accurate.
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If total assets increase but total liabilities remain the same, what is the impact on the debt-to-assets ratio?.
Answers
If total assets increase but total liabilities remain the same, the debt-to-assets ratio would decline.
What is the debt to assets ratio?The debt-to-assets ratio is a financial ratio that is used to determine the proportion of a firm's asset that is owned by its creditors as opposed to its shareholders.
The lower the debt-to-assets ratio is, the better it is for a company. A debt-to-assets ratio that is less than one is optimal. While, a debt-to-assets ratio is deemed to be risky.
Debt-to-assets ratio = debt / assets
If assets increase and liabilities remain the same, the debt-to-assets ratio would decline.
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What type of economy is the South African economy?
Answers
Answer:South Africa has a mixed economy in which there is a variety of private freedom, combined with centralized economic planning and government regulation.
Explanation:
Answer:
South Africa has a mixed economy in which there is a variety of private freedom, combined with centralized economic planning and government regulation.
Explanation:
No Explanations
f prices are inflexible, then a negative demand shock will lead to Group of answer choices a short-run decrease in prices. no change in prices a short-run increase in real GDP. a short-run decrease in real GDP.
Answers
Answer:
A short-run decrease in real GDP.
Explanation:
A short-run decrease in real GDP.
The last option is correct because the prices are inflexible which means an increase or decrease in quantity will have no effect on the prices. So, the negative demand shock( means a sudden decrease in quantity) will not affect the price but it will decrease the real GDP because the demand curve will shift leftwards.
Skysong Resort opened for business on June 1 with eight air-conditioned units. Its trial balance on August 31 is as follows.
SKYSONG RESORT
TRIAL BALANCE
AUGUST 31, 2020
Debit Credit
Cash $21,400
Prepaid Insurance 6,300
Supplies 4,400
Land 22,000
Buildings 122,000
Equipment 18,000
Accounts Payable $6,300
Unearned Rent Revenue 6,400
Mortgage Payable 62,000
Common Stock 94,800
Retained Earnings 9,000
Dividends 5,000
Rent Revenue 78,200
Salaries and Wages
Expense 44,800
Utilities Expenses 9,200
Maintenance and
Repairs Expense 3,600
$256,700 $256,700
Other data:
1. The balance in prepaid insurance is a one-year premium paid on June 1, 2020.
2. An inventory count on August 31 shows $429 of supplies on hand.
3. Annual depreciation rates are (a) buildings (4%) (b) equipment (10%). Salvage value is estimated to be 10% of cost.
4. Unearned Rent Revenue of $3,524 was earned prior to August 31.
5. Salaries of $343 were unpaid at August 31.
6. Rentals of $782 were due from tenants at August 31. (Use Accounts Receivable account.)
7. The mortgage interest rate is 8% per year.
Prepare an adjusted trial balance on August 31.
Answers
Adjusted Trial Balance - August 31, 2020 is attached below.
1. Prepaid Insurance: The premium is for one year, so the monthly expense is $6,300 / 12 = $5250 for 2 months (June and July).
2. Supplies: The supplies on hand are $429.
3. Buildings: The depreciation expense for buildings is calculated as ($122,000 * 4%) = $4,880.
4. Equipment: The depreciation expense for equipment is calculated as ($18,000 * 10%) = $1,800.
5. Unearned Rent Revenue: The portion of unearned rent revenue earned is $6,400 - $3,524 = $2,876.
6. Salaries and Wages Expense: The unpaid salaries amount to $343.
7. Rent Revenue: The total rent revenue earned is $78,200 + $2,876 + $782 = $81,858.
8. Maintenance and Repairs Expense: The expense is given as $3,600, but only $1,080 is shown in the adjusted trial balance.
9. Accumulated Depreciation: Accumulated depreciation accounts are created for buildings and equipment to record their respective depreciation expenses.
10. Interest Expense: The interest expense on the mortgage is calculated as ($62,000 * 8% / 12) = $4,960.
The adjusted trial balance reflects the necessary adjustments and corrections based on the given information.
It provides a snapshot of the resort's financial position on August 31, 2020, after considering the adjustments for prepaid insurance, supplies, depreciation expenses, earned unearned rent revenue, unpaid salaries, and interest expense.
The adjusted trial balance helps in preparing accurate financial statements and analyzing the resort's financial performance.
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An accounting software company has a sales team that frequently visits local businesses. Even after a business declines their software, the accounting software company will call the business every six weeks about some new software feature or promotion. What orientation concept is this company using?
Answers
The sale orientation concept should be used for the company.
The following information related to the sales team is:
It is the department i.e. responsible for meeting out the sales goals of an organization.It contains the people i.e. sales representative, sales specialist, customer service that is controlled by the sales manager.Since the company has a sales team so here the orientation concept i.e. used should be the sales.
Therefore we can conclude that The sale orientation concept should be used for the company.
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Christine's total monthly expenses typically amount to $1,800. About $50 of these expenses are work related. Her employer provides disability insurance coverage of $600 per month. How much individual disability insurance should Christine purchase?
Answers
Answer:
She should purchase a disability insurance if $1,150
Explanation:
To calculate the amount of individual disability insurance she should purchase, we use the mathematical equation below;
Required amount of disability insurance = Monthly income - work related expenses- Employer’s contribution
From the question
Monthly income = $1800
Work related expenses = $50
Employer’s contribution = $600
Substituting these values, we have;
1800-50-600 = $1,150
PLZ HELP this is Econ btw !!! How can technology as a determinant decrease supply? Explain or give
an example.
Answers
Answer:
as we simply know the technology degradation will increase the cost of production and decrease the profit and when there will be less profit the supplier supplies less goods in the market
hence the supply will decrease.
vice versa in the case of technology improvement.
is it fine?
Give a concrete example of how the type of college you choose can impact your total costs.
Answers
Answer:
Because you chose to go to college instead of working, your opportunity cost is actually the sum of your college expenses plus the money you could have earned had you chosen not to work.
Explanation:
There are five main categories of expenses to think about when figuring out how much your college education is really going to cost: tuition and fees, room and board, books and supplies, personal expenses, and transportation. You can control some of these costs to some extent.
A culture exhibiting a high collectivism score would most likely reduce the need for managers to utilize the style of leadership as defined in House's Path-Goal leadership theory. O achievement-oriented consideration of structure O task orientation o supportive O directive
Answers
The type of leadership as defined in House's Path-Goal leadership theory is directive, achievement-oriented, supportive, and task-oriented.
However, a culture that scores high on collectivism would probably decrease the need for managers to use this type of leadership.
Collectivism is a cultural value that emphasizes the interests and needs of the group over those of the individual. Members of collectivist cultures prioritize the values and goals of the group above their own desires and interests.
Therefore, in collectivist cultures, managers would need to emphasize collaboration, teamwork, and shared goals, which would make the need for a directive, task-oriented leadership style less necessary.
In such a culture, it would be more effective to use a supportive leadership style, in which managers focus on building relationships and enhancing the well-being of their employees through empathic communication and listening skills.
This would help promote the sense of belonging and commitment that is highly valued in collectivist cultures.
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2. Suppose that there are five different lemonade stands in the same neighborhood. Explain
how the lemonade stands meet most of the conditions of perfect competition
Answers
Answer:
Eventually prices will equalize at all five lemonade stands.
Explanation:
Perfect competition is accomplished when, in an appropriate business, all firms have identical price arrangements and there is an adequately substantial amount of these same firms so that the production arrangement of any one firm has no obvious influence on the cost at which it commodity is marketed.
The lemonade made are similar in taste, thus they are identical products. Thus, if a lemonade seller increases the price of their good, buyers can patronise another lemonade seller. As a result, the price of lemonades would be the same among the five sellers.
Also, there is little or no barriers to entry for lemonade sellers.
A perfect competition is a market were there are numerous buyers and sellers of homogenous goods and services. Market prices are set by the forces of demand and supply. There are no barriers to entry or exit of firms into the industry.
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Petra is paying her ten employees for 40 hours a week 52 weeks each year. In 2007 Petra spent___ on wages for her employees each week. When the minimum wage rose in 2009, Petra had to increase her annual budget for wage from 2008 by___.
Answers
Complete question:
Petra owns a coffee shop. She has ten employees.In 2007, she paid her employees minimum wage ($5.85 an hour).In 2008, the minimum wage increased to $6.55 an hour.In 2009, the minimum wage increased to $7.25 an hour. Petra is paying her ten employees for 40 hours a week 52 weeks each year. In 2007 Petra spent___ on wages for her employees each week. When the minimum wage rose in 2009, Petra had to increase her annual budget for wage from 2008 by___
Answer: $2340 ; $14,560
Explanation:
Given the following :
2007 minimum wage = $5.85/ hour
2008 minimum wage = $6.55/ hour
2009 minimum wage = $7.25/ hour
Number of Employees = 10
Number of hours = 40 hours per week for 52 weeks
Amount spent on wages per week in 2007:
Minimum wage × number of employees × number of hours per week
= $5.85 × 10 × 40 = $2340
B.)
wage increase between 2008 - 2009:
$7.25/hour - 6.55/hour = $0.7/hour
Therefore, increase in annual budget equals:
Wage increase × number of employees × number of hours per week × number of weeks
= $0.7 × 10 × 40 × 52 = $14,560
Answer:
$2340 ; $14,560
on E2020 HAVE A GREAT DAY!!! :)
_________ involves system developers writing a business case to justify funding one or more specific applications or projects._________ involves system developers writing a business case to justify funding one or more specific applications or projects.
Answers
Answer:
The question is incomplete, the options are missing. The options are the following:
a) Breakeven analysis
b) The business case approach
c) NPV
d) ROI
And the correct answer is the option B: The business case approach.
Explanation:
To begin with, the concept known as "Business case approach" is a type of approach that mainly focuses in the supporting of certain topics for the company in order improve the processes of the organization and its work. Moreover, it gives support to the planning and investing process against outcomes that could harm the company. This type of concept is used mainly by the organizations in the transport sector so that they could use it as a guidance in order to seek for investment.
A car has a base price of $23,800.00. Options cost $356.00, $785.00, and $900.00 for stereo, wheels and paint. Destination charges are $640.00. The dealer pays 82% of the base price and 75% of the options. Determine the sticker price.
$25,000.00
$23,800.00
$26,481.00
$25,841.00
Answers
The sticker price of the car is $26,481.00 based on the component costs provided
What is the sticker price of the car?
The sticker price of the car comprises the retail price, the cost of options as well as the destination charges, which is also referred to as the cost for economy mileage, bearing in mind that sticker price is the price of car written on a sticker and affixed to a car.
The sticker price=base price+cost of stereo+cost of wheels+cost of paint+destination charges
base price= $23,800.00
cost of stereo=$356.00
cost of wheels=$785.00
cost of paint=$900.00
destination charges=$640
sticker price=$23,800.00+$356.0+$785.00+$900+$640.00
sticker price=$ 26,481.00
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Would you consider VFITX to be a good investment choice? why or why not.
Answers
A moderate and sustainable amount of current income is the goal of the investment. The fund makes at least 80% of its investment in U.S. Treasury securities, which include Treasury bills, bonds, and notes.
What are Treasury bills?Having a maturity of one year or less, a Treasury Bill (T-Bill) is a short-term obligation of the United States government backed by the Treasury Department.
Typically, $1,000 bills are available for purchase from the Treasury. However, some can place non-competitive bids up to a maximum denomination of $5 million. These securities are frequently viewed as safe and low-risk investment options.
T-Bills are sold by the Treasury Department in auctions that feature both competitive and non-competitive bidding. The price of a noncompetitive bid, sometimes referred to as a noncompetitive tender, is determined by averaging all the competitive offers that were received.
The tangible net worth of T-Bills is typically very high. T-bills are issued by the U.S. government to pay for a range of public works initiatives, including the building of roads and schools.
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Give your opinion based upon the numbers as to whether production seems to be budgeted properly, and whether the corporation can make an adequate profit above breakeven levels
Answers
Answer:
The production level needs to be budgeted accurately as this is the main strategy which is essential for the success of the business. The corporation cannot make adequate on the breakeven level as this is no profit, no loss situation.
Explanation:
The production level is the basis for sales. If the production level is not accurately estimated then there will be over of under production problems to the business. The over production will result in excess cost to the company and under production will result in lesser profit and sales. The breakeven level is the no profit no loss situation. This is the situation where company earns money equal to its cost and expenses and nothing is saved by the company as profit.
NEED HELP ASAP!!!
Which TWO statements describe advantages of e-filing tax returns?
A. Taxpayers can download the tax forms from the IRS website and mail the completed forms directly to the IRS.
B. Taxpayers can use a software program for assistance in entering the required information and the tax calculation.
C. Taxpayers can avoid delayed returns and ensure quicker processing and faster refunds.
D. Taxpayers get a tax rebate for using an environmentally friendly process.
E. Taxpayers can seek free advice from the Volunteer Income Tax Assistance program.
Answers
Answer:
B. Taxpayers can use a software program for assistance in entering the required information and the tax calculation.
C. Taxpayers can avoid delayed returns and ensure quicker processing and faster refunds.
Explanation:
E-filling is electronic tax filling. It involves filing and submitting tax returns via the internet. A taxpayer needs to access the tax authority's website and fill-in the relevant details. The tax authority usually has customized programs that make the tax-payers work easy.
E-filling is quick and convenient. The taxpayer does not need to travel or send tax documents to the tax office. They fill the tax forms online and submit them immediately. The tax information is captured and stored in the systems. There are quick references and records don't get lost, which makes refund processes faster.
Answer:
B and C
Explanation:
Just got 100%
What is vulnerability? Give examples of vulnerability and the
mitigation method can be taken to remove it.
Answers
Vulnerability refers to a weakness or flaw in a system, process, or infrastructure that can be exploited by malicious actors to gain unauthorized access, disrupt operations, or compromise data integrity and confidentiality. Vulnerabilities can exist in software, networks, hardware, and even human factors.
Software Vulnerability: A software application may contain coding errors or design flaws that can be exploited.
Network Vulnerability: Weak network configurations, unsecured wireless networks, or outdated protocols can leave networks vulnerable.
Social Engineering Vulnerability: Humans can be a weak link in security.
Hardware Vulnerability: Flaws or weaknesses in hardware components can create vulnerabilities. For example, a hardware keylogger inserted between a keyboard and computer can record keystrokes.
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What was the stamp act?
Don't Spam!
Answers
The stamp act is what happened after a war so that The british could pay off there debt
True or false? When creating a budget to repay your student loans, you can
save money by paying only the interest.
O True because paying only the interest reduces the length of the loan and
reduces the total amount you pay in the long-term
True because paying interest means monthly payments will be small
O False because it is not possible to only pay the interest,
O False because paying only interest lengthens the life of the loan and increases
the total amount you pay in the long-term.
Next →
Sign out
Answers
The correct answer choice is; True, because paying only the interest reduces the length of the loan and reduces the total amount you pay in the long-term.
Paying off Student LoansIt follows from study that; while paying off student loans, it usually pays off to pay the interest first. On this note, it follows that the principal of the loan remains constant and hence, compound interest is avoided and consequently, the total amount you pay in the long-term is reduced.
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women earn about ________ for every dollar a man earns. select one: a. 95 cents b. 90 cents c. 85 cents d. 83 cents
Answers
According to the latest data from the United States Census Bureau, women earn about 83 cents for every dollar earned by men. So, correct option is D.
This wage gap exists across various industries, education levels, and occupations, with women of color often facing even greater disparities. The gap has narrowed over time, but progress has been slow, with estimates suggesting that it may take several decades or more to close completely.
There are various factors that contribute to the wage gap, including gender discrimination, occupational segregation, and differences in work experience and education levels.
Efforts to address the wage gap have included policies such as equal pay laws, pay transparency, and initiatives to promote greater diversity and inclusion in the workplace. However, more work is needed to ensure that women receive equal pay for equal work and to create a more equitable and just society.
So, correct option is D.
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QUESTION 3 / 10 What is the first step you should take when you want to open a savings account? A. Review the different savings account options that your bank offers. B. Make your initial deposit. C. Go to the bank and fill out an application. D. Present your photo ID to the bank representative.
Answers
Answer:
A. Review the different savings account options that your bank offers.