This phenomenon is known as the _____ effect. Which of the following best represent the major factors Dun & Bradstreet would examine? a. With a compensating balance requirement of 20%, how much will the firm need to borrow? \text{Source} & \text{DF} & \text{Adj MS} & \text{Adj MS} & \text{F-Value} & \text{P-Value}\\ 1. Given the following information, how much should the annual loan payments be? Why might some firms voluntarily pay workers a wage above the market equilibrium, even in the presence of surplus labor? Assuming that we can earn a 13.5% return on accounts receivable, which of the following actions to finance an increase in our accounts receivable balance would be optimal? In general, cash management at the international level employs the same techniques as domestic cash management. One advantage to an issuer of commercial paper is that the issuer eliminates the need for maintaining compensating balances and credit lines with a commercial bank. A company exhibiting a high liquidity ratio is likely to have enough resources to pay off its short-term obligations. The company is required to maintain a 15% compensating balance in its checking account. D) A banks balance sheet indicates whether or not the bank is profitable., Their tax bracket is 40%. Calculate the P/E ratio and the price-to-book ratio for Buffalo Outback Outfitters. (T/F), Salary or wages are the only cash inflows for working people. If Allison has saved $1,000,000 upon retirement, how much can she live on each year if she can earn 5% per year and will end with $0 when she expects to die 25 years after retirement? Plot the residuals versus labor and equipment. The financial manager generally needs to devote little time to management of working capital. What rate of return will Dr. Stein need to achieve this goal? The principal stockholder in Malcom Motors sold 10% of her stock in the company to John Of the $230,000 on account, $79,000 was collected in cash in 2018 and the rest in 2019. Which of the following is true about the leveraging effect? The "term structure of interest rates" depicts the competitive cost of funds for the various short-term sources of funds such as Treasury bills, commercial paper, and bank CDs. How much should he set aside? Companies that try to act in a socially responsible way are likely to focus on such activities as: 1) increasing diversity of their workforce. If you were to put $1,000 in the bank at 6% interest each year for the next ten years, which table would you use to find the ending balance in your account? Pressure to increase current asset buildup often results from, A financial executive devotes the most time to, The term "permanent current assets" implies, Well implemented web-based supply chain management has all of the following benefits except, Permanent current assets are not a factor in a manager's decision making process when all current assets will be. Which of the following combinations of asset structures and financing patterns is likely to create the most volatile earnings? \text{Constant} & 7.8141 & 0.0799 & 97.82 & 0.000\\ the entire month of January. Which of the following are possible ways offshore outsourcing could have a negative impact on the home country? Eurodollar loans are similar to U.S. bank loans in that they are usually short-term in nature. LLCs have_____ life span and are required to identify dissolution dates in the articles of organization, No stock, limited life span, and fewer incentives are disadvantages of a(n), Which form of business has double taxation and limited liability as its characteristics. WebStudy with Quizlet and memorize flashcards containing terms like Which of the following statements are true? The following are the expected 1 year T-bill rates for the next 4 years: 11%, 15%, 8%, and 10%. The book value of a plant asset is the: When an adjustment is made for prepaid rent: ) Which account is credited in the adjusting entry to allocate the cost of equipment? If Dooley acquires inventory by executing a six-month note for $1,550, what is the new current ratio? The balance sheet reports the retained earnings balance at the end of a fiscal year. The dimension of social responsibility known as ______ includes everything from hiring minority workers to making safe products, minimizing pollution, using energy wisely, and proving a safe work environment. The most important of the open market operations the European Central Bank has in its tool kit are its __________ operations. Which of the following statements is true about market value ratios? In a large open economy, what is the source of the domestic supply of loanable funds? After this transaction, its current ratio will be: (Round your final answer to two decimal places. What is the money multiplier for this economy? Analog Computers needs to borrow $800,000 from the Midland Bank. Prepare a statement of owners equity for the year ended December $31$, $2009$. Larger firms tend to be net users of trade credit. Small companies finance a relatively greater proportion of their assets through trade credit than do larger concerns. When the yield curve is upward sloping, generally a financial manager should: When the yield curve is downward sloping, generally a financial manager should. Certificates of deposits purchased in small denominations of $1,000 at the savings and loan are readily marketable. Small-denomination certificates of deposit are usually more liquid than large-denomination CDs. Those who argue against the pursuit of the dual objectives of stable prices and high employment point to the __________ as evidence that the pursuit of dual objectives is misguided. C. increases costs and increases differentiation. Sara would like to evaluate the performance of her portfolio over the past 5 years. What kinds of fees do they charge? U.S. laws against_______ are specific. True or False: Short-term fluctuations in real GDP are irregular and unpredictable. Bandolier Confections has been running low on office space and doesn't have the money to expand. Ian would like to save $1,500,000 by the time he retires in 40 years. U.S businesses demand socially responsible behavior from their international ____ to assure they do not violate U.S. human rights and environmental standards. Which of the following statements about your analysis report is true? How much money will Analog need to borrow in order to end up with $800,000 spendable cash? What is the maximum commitment to A/R we should be willing to assume if our firm's minimum required after-tax return is 12%? Which of the following are examples of outside stakeholders that must be told about a company's ethics program? 7) If, after a deposit outflow, a bank has a reserve deficiency of $ 3 million, it can meet its reserve requirements by. How much external financing will the firm have to seek? The company determined that the yearly depreciation expense is $13,000. How to find the Labor Force Participation Rate, 100* (# in labor force / adult population). -Sean can easily determine that the price of the computer is more than the price of the vacation. Where are unrealized holding gains and losses related to available-for-sale securities reported in the financial statements. The start-up costs of filing for incorporation are high because: lawyers and accountants are needed to do the complex filings. The amount of annual payments necessary to accumulate a desired total can be found by reference to the present value of an annuity table. Free Spirit Industries Corporation has less liquidity but also a greater reliance on outside cash flow to finance its short-term obligations than LeBron Sports Equipment Corporation. Generally a downward sloping yield curve indicates an eminent economic boom. Small businesses frequently find commercial paper a useful means of obtaining funds when it is not possible to raise funds by other means. How do "tight money" and "easy money" impact the economy? When the Federal Reserve began its policy of quantitative easing in November 2008, there was __________ in the monetary base. Check all that apply. The present value today of this deferred annuity is: The shorter the length of time between a present value and its corresponding future value, A dollar today is worth more than a dollar to be received in the future because, Increasing the number of periods will increase all of the following except. A) Savings accounts. When a new depositor opens a checking account at the First National Bank, the banks assets ________ and its liabilities ________. On January $1$, $2009$, Rod Zoot, Capital had a balance of $\$475,000$. Electronic funds transfer will likely increase the use of float. A $6,000 sale on account was made. He calculates that he will need $70,000 for his son's education by the time the boy goes to school. The demand for labor among automobile-producing firms in Michigan, for which steel is an input, will _____ . WebDIY Seo Software From Locustware Is Exactly What You Need! What return must she achieve in order to buy her home in 10 years? -There are how many Federal Reserve regional banks. WebAbout Our Coalition. A) Checkable deposits are payable on demand. An increase in the required reserve ratio reduces the supply of money with commercial banks and a decrease in required reserve ratio increases the money supply. Written ethics codes can be categorized as: Facing a decision to either act unethically at the request of a supervisor or be fired for not acting as directed is referred to as an: A company's effectiveness and financial performance are most affected by responsible _____ _____ management. C) a current ratio of less than 1.00 means that current liabilities exceed current assets. Which of the following combinations of asset structures and financing patterns is likely to create the least volatile earnings? & \textbf{Minimum} & \textbf{Total} & & & & \\ \text{Regression} & 1 & 10.653 & 10.6527 & 106.30 & 0.000\\ What is the return on investment? Consider the following data about the economy: currency outstanding (C) = $1 trillion, total deposits (D) = $750 billion, total reserves (R) = $76 billion, and the required reserve ratio (RR ratio) = 10%. The contract price is $42,000. -Suppose a period of continuous political instability leads people to believe that the economy will slide into a deep recession. Issuers of commercial paper can be divided into direct paper, dealer paper, and asset-backed commercial paper. What is the present value of this 20 year cash flow? A risk-averse investor would prefer a portfolio using the risk-free asset and _____. This is an example of a(n): An adjusting journal entry contains a debit to an expense account and a credit to a contra account. As the price level rises, the cost of borrowing money will _____ , causing the quantity of output demanded to _____. 1) companies can focus on business areas where they can expand and grow. Discounting refers to the growth process that turns $1 today into a greater value several periods in the future. A) Savings accounts, Which of the following is not a nontransaction deposit? WebStudy with Quizlet and memorize flashcards containing terms like For most people, the first obstacle is to correctly assess their true net income. In the current year, a shock has lowered the inflation rate from 1.5% to 1.0%. An S corporation has the liability protections of a corporation but is taxed: like a partnership or sole proprietorship. What was the primary benefit for the European Union (EU) of adopting the euro in 1999? WebCompulsive Shopping: An unhealthy obsession with shopping that materially interferes with the daily life of the afflicted. &&\\ -Different firms may use different accounting. This is an example of a(n): ) The adjusted trial balance is used to prepare: ) An accountant failed to record the adjusting entry for accrued revenues. This is an example of the __________ demand for money. Under economic growth conditions, firms with relatively more leverage will have higher expected returns. Inventory and accounts receivable will have to be increased by $300,000 to accommodate this sales level. Normally, the merchandise sells for $260. ______________ are the activists who apply pressure by publicly naming companies that pollute the air and water, Corporate_______ includes charitable donations by corporations to nonprofit groups of all kinds, When implementing an ethics code, it is important to share it with all ________ because pressure to act unethically often comes from the outside, ______-_______ ethics codes emphasize preventing unlawful behavior by increasing control and penalizing wrongdoers, _____-_____ ethics codes define an organization's guiding values, create an environment that supports ethically sound behavior, and stresses shared accountability, An____ ______ creates a situation where you must choose between two equally unsatisfactory alternatives, Starbucks Coffee only buys its products supply from fair trade companies to insure coffee farmers in foreign countries are not being exploited. Which of the following are common markets? \text{Total} & 29 & 13.459\\ The required compensating balance is usually computed as a. Holland Construction Co. has an outstanding 180-day bank loan of $400,000 at an annual interest rate of 9.5%. What is the profit on new sales? When preparing the financial statements, why is the income statement prepared first? ) To keep interest rates steady, the Federal Reserve would likely execute a, Irving Fisher's equation of exchange is expressed as. The following accounts are up-to-date and need no adjustment at the end of the period: Prepaid expenses will become ________ when their future benefits expire. ) A trade discount is a percentage reduction from the invoice price given for purchasing certain minimum quantities. The ratio is often viewed as a measure of the buffer against out-of-stock inventory. She knows the global market offers many opportunities. Monthly installment loans usually increase the effective rate of borrowing by approximately 2 times the stated rate. When a potential customer has a mediocre credit history, a firm should not consider allowing them to become a customer. The APR is generally lower than the stated rate by the bank. The current risk treatment is ineffective C. The current risk treatment is effective D. The risk does not need to be treated, Lucas, The only new investment will be in accounts receivable. Classify each of the variables listed by the policy's short run effect upon them. Monetization of public debt can lead to a rapid increase in the money supply and hence to. Which of the following best describes the benefits to the borrower of selling asset backed securities? Check all that apply. When consumers have serious problems making payments and managing their debt, they may seek advice. Which of the following statements are true? The Jedi investment was classified as an available-for-sale security. When preparing the balance sheet, the final balancing element of the balance sheet is: ________ will not be found on the statement of retained earnings. WebWhen analyzing a company's current ratio: A) the current ratio measures the company's ability to pay all liabilities (current and long-term) with current assets. "Sinc What change might be expected on the balance sheets of its customers? What is Rosewood's debt ratio? Following the shock, firms and households can expect an inflation rate of, The academic literature on central bank independence shows, When the link between M1, M2, and inflation broke down in the 1980s, many economists argued that the best policy approach was to have an explicit inflation target. When opening the Excel version of Capstone, you should do what to Macros?, If there are two identical products, one that has 100% accessibility and one that has 0% accessibility,, 3. B) A banks liabilities are its uses of funds. The cash generating process for a firm is continuous, even though cash flow can be sporadic. About 9 percent of franchises are owned by African Americans, Latinos, Asians, and Native Americans. The ratio reveals how much inventory is available in terms of the number of days' sales. The more short-term financing relative to long-term financing, the more risky the financial structure. For example, an increase in the money supply, a _____ variable, will cause the price level, a _____ variable, to increase but will have no long-run effect on the quantity of goods and services the economy can produce, a _____ variable. Damon goes to the ATM machine and withdraws $500 in cash. Following the shock, firms and households can expect an inflation rate of, In the 1990s, dot-com companies flourished and their valuations rose dramatically. Firms using commercial paper are generally required to maintain commercial bank lines of credit equal to the amount of the paper outstanding. Because they generally run a surplus budget, government agencies are able to issue securities with slightly lower yields than direct Treasury issues. A. quick ratio B. cash coverage ratio C. total debt ratio D. EV multiple E. A capital intensity ratio of 1.03 means a firm has $1.03 in: A. total debt for every $1 in equity. An advantage of inflation rate targeting is, Suppose the current real federal funds rate in the economy is 2.0%, the current inflation rate is 1.0%, the Federal Reserve's target inflation rate is 2.0%, and the output gap is -2.0%. Home-based franchise have many advantages such as: A company similar to an S corporation but without the special eligibility requirements is an: One of the fastest growing franchise sector is_______. Banks that actively manage liabilities will most likely meet a reserve shortfall by A) calling in loans. WebStudy with Quizlet and memorize flashcards containing terms like Your boss asked you to analyze Green Hamster Manufacturing's performance for the past three years and prepare a report that includes a benchmarking of the company's performance. Return on investment is the major decision criteria in credit decisions. Net profit after taxes per dollar of equity capital is a basic measure of bank profitability called A) return on assets. 1) export bicycles to retailers in Australia. The most effective ethics officers are equally comfortable as_______ and investigators. Under what conditions must a distinction be made between money to be received today and money to be received in the future? Long-term financing is usually less expensive than short-term financing because it is not as advantageous to the corporation as short-term financing. Babe Ruth Jr. has agreed to play for the Cleveland Indians for $3 million per year for the next 10 years. \text{ PriceDif} & 1 & 10.653 & 10.6527 & 106.30 & 0.000\\ WebThe S&P 500 Index is one of the most commonly used benchmark indices for the U.S. equity markets. The biggest change in the Federal Reserve's balance sheet between May 2007 and March 2013 was the __________ on the __________ side of the balance sheet. Ceil gets paid biweekly. a state-chartered legal entity with authority to act and have liability separate from its owner is a: When you own a sole proprietorship you and the business are considered one, so you have ______ liability for financial obligations such as debt. Assuming normal populations with equal standard deviations, use the $0.01$ level in examining whether pulling the trailer uses significantly less fuel than driving with the rooftop carrier. The cost of not taking a 2/10, net 30 cash discount is usually less than the prime rate. As the price level rises, the impact on the domestic interest rate will cause the real value of the dollar to _____ in foreign exchange markets. Expected value analysis requires taking the difference between the actual projected outcome and the historic outcome times its' probability and summing these totals. $\$ 36,000$ Banks make their profits primarily by issuing ________. This phenomenon has been referred to as a(n), A potential problem of a more politically controlled central bank is that. Under tight money conditions (30% probability), Plan A will produce $40,000 less than Plan B. In this free session, the client explains her or his situation, and the attorney evaluates the options. After spending a few weeks out of work and interviewing for several other positions, she gave up on her job search and decided to go back to grad school. The use of private company information by employee for personal financial gain is called _____ _____. Note that a negative position implies receivables exceed payables. WebStudy with Quizlet and memorize flashcards containing terms like Discounting refers to the growth process that turns $1 today into a greater value several periods in the future., Compounding refers to the growth process that turns $1 today into a greater value several periods in the future., The interest factor for the present value of a single sum is equal to When the Federal Reserve makes a loan at the discount window to a bank, it will __________ the monetary base by __________ bank reserves. Which method of controlling pledged inventory provides the greatest degree of security to the lender? In 1948 government leaders from 23 nations formed a global forum for reducing trade restrictions on goods, services, ideas and cultural programs. You will then withdraw the funds annually over the next 4 years. WebStudy with Quizlet and memorize flashcards containing terms like Which of the following is a valid interpretation of Say's Law?, Please sort the following items as an example of either physical capital change or a technological change. The policy will cause the natural rate of unemployment to _____ , which will: Direction of long run aggregate supply curve, Natural level of output+ a * (actual price level- expected price level). Which of the following will be part of the adjusting entry on December 31, 2018? ) The US tax structure influences a firm's willingness to finance with debt. Which of the following policies would help achieve this goal? B) A banks liabilities are its uses of funds. Deductions total$57,220. She babysits her younger sister and does other chores, so her parents give her an allowance of $25 per week. | July 31 | 235,000 | 300,000 | The countries represented by the acronym BRIC are important because: They are emerging countries that will be among the wealthiest by 2030, Which of the following are negative effects associated with the establishment of NAFTA, 1) safety conditions for workers in Mexico continue to be poor. Along with calculating the ratios, what else is needed for your report? The terms of the cash discount are 2/10, net 60. Many companies such as McDonalds have embraced supply chain management using web-based procedures. A cash discount calls for a reduction in price if payment cannot be made within a specified time period. Myrdal Boots can borrow from its bank at 12 percent to take a cash discount. Where are unrealized holding gains and losses related lo trading securities reported in the financial statements? The firm changes its credit terms to 2/20, net 90. How would you expect this situation to affect the assessment of Western's financial condition and performance? 1) it enables a producer or business to experiment in a new market without incurring heavy start-up costs. A) call in loans. Net profit after taxes per dollar of assets is a basic measure of bank profitability called A) return on assets. Which of the following are functions of exports assistance centers (EACs). Shen is a 22-year-old professional tennis player. The cost of NOT taking a discount is higher for terms of 2/10, net 60 than for 2/10, net 30. What is the currency ratio in this economy? A trust receipt acknowledges that the lender trusts the borrower to repay the loan before any dividends are paid. Liquidating current assets are really fixed assets since they have lives greater than one year. Short-term interest rates have historically been more volatile than long-term rates. Inventory and accounts receivable (combined) will increase $4,000,000 to accommodate this sales level. There were $1,100 of supplies on hand at the end of the year. 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