Dinar Berhad is located in Bayan Lepas where a market is held regularly. It decided to buy a bus to take passengers to and from the market. It is estimated that 200 tickets could be sold a day for RM4 each. Dinar Berhad intended to run the bus for three years. It had the option of buying a newer bus, bus A, or an older bus, bus B. Dinar Berhad knew that the older bus would be less reliable and there would be more days each year when the bus could not run because of breakdowns and maintenance. It would also require more money to be spent on repairs.

The following estimated information was available.

Bus A Bus B

Initial purchase price RM86,000 RM45,000

Sale proceeds at the end of year 3 RM28,000 Nil

Days lost to breakdowns and maintenance

Year 1 5 12

Year 2 9 15

Year 3 16 17

Costs of repairs and maintenance

Year 1 RM7,000 RM9,000

Year 2 RM8,000 RM14,500

Year 3 RM11,000 RM17,000

Other running costs were expected to the same for both buses. Dinar Berhad uses a cost of capital of 10%.

a) Calculate the difference in NPV between purchasing bus A and bus B.

b) Assuming that the NPV for bus A is RM18,900, calculate the NPV of purchasing bus B.

Additional information:

Assume that the Accounting Rate of Return (ARR) of purchasing bus A was calculated as 24.56%. The total net cash flows of year 1 to 3 inclusive for bus B amounted to RM74,300.

c) Calculate the ARR of purchasing bus B. (4 marks)

d) Advise Dinar Berhad which bus it should buy. Justify your answer. (6 marks)

e) State one method of investment appraisal (other than NPV and ARR) which a business could use.

Answer:

Explanation:

La educación por competencias ha resurgido en todo el mundo con gran fuerza desde finales del siglo pasado. Las reformas del sistema educativo mexicano emprendidas en la última década y que comprenden todos los niveles tienen un elemento en común: un currículo con un enfoque basado en competencias. Al igual que en otros países, en México estamos viviendo una efervescencia por las competencias; no obstante, la confusión y la incertidumbre parecen ser el signo distintivo de estas reformas. Es cierto que el concepto de competencias es polisémico y complejo, que no existe una teoría unificada que sustente este enfoque y que carecemos de experiencia en la puesta en práctica de un currículo basado en competencias. Si a esto le sumamos la dificultad propia que entraña la evaluación del aprendizaje, diremos que las condiciones están puestas para que la ambigüedad y el desconcierto reinen en los centros educativos, tal como está sucediendo. Este artículo tiene como objetivo contribuir al debate teórico actual en torno a la evaluación de competencias, así como aportar algunos rudimentos de tipo metodológico que permitan a los profesores mejorar sus concepciones y prácticas de evaluación.

Palabras clave: educación por competencias, evaluación de competencias, currículo basado en competencias, aprendizaje por competencias.

Answer:

Printing and Stationery expenses are indirect expenses. Therefore, these expenses are shown in expenses side of profit and loss account, so it will be in credit side of trial balance.

Answer:

ALL OF THE ABOVE

Explanation:

EDGE 2021 :D

Based on the information given Ralpha's approximate monthly lease payment is d. $443. 73.

Residual value=$32,000×72%

Residual value=$23,040

Depreciation=$32,000-$23,040

Depreciation=$8,960

Base monthly lease payment=$8,960/36

Base monthly lease payment=$248.89

Interest per month=($32,000+$23,040)×0.00354

Interest per month=$55,040×0.00354

Interest per month=$194.84

Monthly lease payment=$248.89+$194.84

Monthly lease payment=$443.73

Inconclusion Ralpha's approximate monthly lease payment is d. $443. 73.

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Answer:

"Overdraft protection is a misleading term, because it doesn't protect you from overdrafting," Schliep said, after paying the bank back for the charges. "It allows you to overdraft when you don't have enough money in checking so you're not embarrassed by getting your card denied."

Explanation:

Answer:

it makes it sound beneficial but it will take money from you.

With overdraft protection, if you don't have enough money in your checking account, checks will clear and ATM and debit card transactions will still go through. If you don't have enough overdraft protection to cover a shortfall, transactions won't go through, and fees may be high.

Explanation:

Rent control is a government policy that sets limits on the amount of rent landlords can charge for their rental properties.

While this policy is intended to protect tenants from excessive rent increases, it can also have unintended consequences. In general, tenants who are already living in rent-controlled units benefit the most from rent control policies. This is because they are protected from sudden and significant rent increases, which can help them maintain affordable housing in high-cost areas. However, new tenants who are seeking to rent a unit may face difficulties finding available units due to rent control policies, as landlords may be less likely to offer units for rent at a reduced rate. Landlords, on the other hand, do not typically benefit from rent control policies. They may be forced to keep rents artificially low, which can limit their ability to maintain and improve their properties or cover their own expenses. Additionally, landlords may be less incentivized to offer units for rent in areas with rent control policies, which can lead to reduced supply and increased demand for available units, driving up prices in the long run. In summary, rent control policies may benefit existing tenants by protecting them from sudden rent increases, but they may also have negative consequences for landlords and new tenants seeking housing.

who among the following benefits the most from rent control?

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The main reason why Staples participates in Anti-Money Laundering Compliance is to prevent illegal activity and terrorism

Based on the given question, we can see that money laundering is a federal offense which is punishable by law and is aimed at preventing money fraud whereby large sums of (illegal) money are moved from one place to another, usually to finance other illegal activities.

With this in mind, Staples which is a US Online Store which sells business essentials such as computers, printing services, etc engage in the Anti-Money Laundering Compliance so as to prevent illegal activity and terrorism

Therefore, the correct answer is option B

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The time it requires to assemble accurate information about GDP and other economic indicators leads to a lag in the availability of data.

This lag can vary depending on the frequency at which data is collected and reported, with some indicators being available on a monthly or quarterly basis, and others taking longer to compile and release. This delay in the availability of data can make it difficult for policymakers and investors to make informed decisions in real time, as they must rely on older data to guide their actions.

However, it is important to note that the accuracy and completeness of economic data are crucial to ensuring that decisions are based on reliable information.

Therefore, the missing word in the sentence is "a lag in the availability of data. "

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Answer:

Solid oxalic acid - color of the blue litmus paper does not change. It is blue.

Solid oxalic acid + water - color of the blue litmus paper changes.  It became red.

Explanation:

Because no free H+ - ions in solid oxalic acid, the blue litmus paper will not change color. It will stay blue.

Solid oxalic acid + water - free H+ - ions is formed, color of the blue litmus paper changes.  It became red.

The correct order of sales process is-

A series of reiterable steps that a salesperson follows to get a potential customer from the initial level of understanding to a closed sale is known as a sales process.

This road map which is categorized into various steps helps the salesperson to successfully convert a prospect into a customer and helps them to provide better service.

The key to successful selling is research. The strongest salesmen are aware that completing comprehensive research work shows your customer that you will provide excellent customer service.

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Validated changes and validated deliverables are the outputs of the monitoring and controlling sub-process of project quality management.

Project quality management is the process in which the quality of all activities is measured continuously  and taking the  corrective action until the desired quality is achieved.

Quality management processes help  the organization to control the cost of a project, after controlling the cost of project standards are established  and  the steps in achieving and confirming those standards are determined.

Effective quality management of a project must lowers the risk of product failure or unsatisfied and unhappy clients.

Project quality management occurs with these three processes:

Quality planning

Quality assurance

Quality control

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Marketers use data to develop promotional strategies by gathering information about their target audience, competitors, and market trends.

They collect this data from various sources, including surveys, social media, website analytics, customer feedback, and market research.

By analyzing this data, marketers can gain insights into their customers' behavior, preferences, and needs, which helps them create more effective promotional campaigns.

Marketers can also use data to track the success of their campaigns and make adjustments to improve their performance.

One way marketers use data to develop promotional strategies is by creating buyer personas. A buyer persona is a fictional representation of the ideal customer for a company's products or services.

To create a buyer persona, marketers gather data on their customers' demographics, interests, behaviors, and pain points. This information helps them understand their customers' needs and create targeted marketing messages that resonate with them.

Marketers also use data to analyze their competitors and market trends. By tracking their competitors' marketing strategies, messaging, and pricing, marketers can identify gaps in the market and find new opportunities to differentiate their brand.

They can also use data to monitor market trends and stay up-to-date with changes in consumer behavior and preferences.

Overall, data plays a critical role in helping marketers develop promotional strategies that are effective, targeted, and relevant to their customers.

By leveraging data, marketers can gain a deeper understanding of their target audience, competitors, and market trends, which helps them create more impactful campaigns and drive business results.

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Answer:

debt

Explanation:

Usage of a vehicle which is a car in the given case and its satisfaction measurement is known by doing option (D): "Customer Satisfaction Survey".

Customer satisfaction surveys provide detailed information regarding positive and negative opinions, which can help marketers and salespeople improve their efforts.

A customer satisfaction survey may be ineffective unless it generates statistical data that can be analyzed scientifically.

Small business owners utilize customer satisfaction surveys to measure how their organization is viewed by the customers they serve.

A customer satisfaction survey is a marketing tool that companies use to determine how satisfied their customers are with their brand.

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Option (b), the all-channel network is practiced most commonly in self-managed teams.

An all-channel network refers to a communication structure where all team members have equal status and can communicate with each other freely and openly. Self-managed teams are designed to be self-governing and self-regulating, and an all-channel network allows team members to collaborate, share ideas, and make decisions collectively. This type of communication structure is less commonly used in traditional teams, cross-functional teams, problem-solving groups, and work groups where communication tends to be more hierarchical and structured.

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Answer:

a

Explanation:

how much you make verses how much you soend

The statement that Mothers often rely more heavily on support people like partners, doulas, and nurses during active labor is true.

It should be noted that During active labor, the cervix will dilate from 6 centimeters (cm) to 10 cm in this period the contractions will become stronger, closer together and regular and the mother will be going through some pain in the process  ansd the legs might cramp, and you might feel nauseated.and one might feel your water break .

In conclusion, during the labor the contractions get stronger, longer and more painful and the mother may feel pressure in your lower back, and your legs may cramp and she may feel the urge to push, hence Mothers often rely more heavily on support people like partners.

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Insurance companies negotiate discounts with hospitals under a(n): Preferred provider organization (PPO).

Insurance company is an a company that help to provide coverage for their policy holder in case of unforeseen or unexpected circumstance such as:

Preferred provider organization is a medical health plan that  enter into  a contract agreement with health care service providers so as to provide health care to people under the plan.

Therefore Insurance companies negotiate discounts with hospitals under a(n): Preferred provider organization.

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The worth of the shares when the stockholder originally purchased them is $1105.

Shares are fractional ownership interests in a corporation. For some businesses, shares are a type of financial instrument that allows for the equitable distribution of any declared residual profits in the form of dividends.

It is assumed that the purchase price of the share is $100. As the stockholder sold her shares for $1,403, making a profit of 27%, it implies that:

  127 = $1,403

∴ 100 = $1,403/127 × 100

        = $1104.72

Therefore, $1104.72 is the original purchase price of the share.

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Answer:

Agriculture communications professionals need to have the same basic background on marketing, covering areas such as market research, product research, and market communication.

However, they will also need to have an agriculture-related background, because they need to understand the dynamics of the agriculture business, from farm issues, to the kind of crops or produce that they can buy or sell in a specific area, to even agricultural policy.

The issue of governance in Jamaica regarding the CSME requires effective coordination, transparency, and accountability to ensure the successful implementation of the regional integration initiative.

The Caricom Single Market and Economy (CSME) is a regional integration initiative among Caribbean countries, including Jamaica. It aims to facilitate the free movement of goods, services, capital, and skilled labor within the region. The CSME is governed by various bodies, including the Council for Trade and Economic Development (COTED), the Conference of Heads of Government, and the Caribbean Court of Justice.

In Jamaica, the issue of governance in relation to the CSME revolves around ensuring effective implementation and enforcement of the agreements and policies. This involves the coordination and cooperation of government agencies, such as the Ministry of Foreign Affairs and Foreign Trade, to ensure compliance with CSME rules and regulations. Additionally, it requires strong institutional mechanisms to address disputes and ensure fair competition.

One key aspect of governance in the CSME is the need for transparency and accountability. Jamaica, along with other member states, must ensure that decision-making processes and implementation efforts are transparent and accountable to the citizens. This can be achieved through regular reporting, consultations with stakeholders, and mechanisms for public participation.

In conclusion, the issue of governance in Jamaica regarding the CSME requires effective coordination, transparency, and accountability to ensure the successful implementation of the regional integration initiative.

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Answer:

a) As long as the documents strictly comply with the letter of credit requirements, the bank will not have to reimburse the buyer

Explanation:

A letter of credit refers to the letter in which the bank is made a guarantee to pay the amount to a particular person by compiling the specific conditions during the exporting of goods

Since in the question, it is given that the seller has shipped the goods that are worthless i.e of no use for the buyer so in this case,  the bank would not reimburse the buyer.

Therefore the correct option is A.

If Paulina is spending time customizing each cover letter and resume she sends out to potential employers. She hopes this will show she has what critical skill is: accountability.

Accountability can be defined as the process of taking responsibility  for our action or to be accountable for our action.

Accountability tend to as well means that a person will be evaluated  or appraised based on the action they carried out on something which in  turn implies that the person has to take responsibility for  any outcome they have as a result of their actions.

The scenario best illustrate accountability as Paulina possess critical accountability skill which is why she was spending time customizing her cover letter and resume.

Therefore If Paulina is spending time customizing each cover letter and resume she sends out to potential employers. She hopes this will show she has what critical skill is: accountability.

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Answer:

$983.1

Explanation:

The amount invested is $1000.

By the end of April, 13% had been lost

The amount at the end of April was equivalent to 87%( 100% -13%) of the amount invested.

=87/100 x $1000

=0.87 x $1000

=$870

In may a gain of 13%

The amount at the end of May = $870 + (13% of $870)

= $870 + (13/100 x $870)

=$870 + 113.1

=$983.1

A bank's net interest margin is calculated by taking net interest income and dividing it by the bank's assets. The correct answer is option (b).

Net interest margin is a key performance indicator that reflects the difference between the interest income earned by a bank on its interest-earning assets and the interest expense paid on its interest-bearing liabilities. Net interest income is the difference between interest income and interest expense, and net interest margin is calculated by dividing net interest income by the bank's average interest-earning assets.

Therefore, option (b) is the correct answer.

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The phenomena of Glocalization, which is best described as Thinking Globally, Acting Locally, is created when the two terms of globalisation and localization are combined.

To put it more properly, we may say that although if a single brand is produced, sold, and distributed globally, it is nevertheless personalised and customised to suit the tastes and preferences of customers in the many global marketplaces.

It is carried out since each region of the world has its own unique culture, linguistic preferences, demands, and desires.

By adjusting their offerings and products to meet the needs of that specific market, businesses may effectively position and place their items, resulting in high revenues and devoted customers.

The following are all global brands, although they cater to the demands of their customers in various parts of the world while selling items.

Chips by Lays (They sell different flavours in different parts of the world, according to the taste preference and eating habits of that country).

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According to ECOA, the receipt of public assistance cannot be considered adversely when underwriting the loan. Option c is correct.

The Equal Credit Opportunity Act (ECOA) is a regulation that prohibits lenders from discriminating against loan applicants based on their race, religion, nationality, sex, marital status, age, or because they receive public assistance. Lenders should not consider these characteristics in their decision-making process, and all loan applicants should be treated fairly and without prejudice.

The receipt of public assistance may not be considered adversely when underwriting the loan, according to ECOA. This means that lenders cannot deny a loan to someone solely because they receive public assistance. Public assistance includes any federal, state, or local aid programs that are intended to assist low-income individuals or families.

Therefore, c is correct.

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During a risk management project Acceptance is being exhibited by this situation.

The required details about risk management is mentioned in below paragraph.

Risk management is concerned with foreseeing what might go wrong and putting measures in place to reduce uncertainty to a manageable level. Risk can be seen favorably (as opportunities) or adversely (as dangers) (downside threats). A risk is the possibility for a circumstance or event to have an impact on the accomplishment of particular goals. Before beginning the risk analysis phase of the risk management process, the project professional, in collaboration with the risk owner, makes sure that hazards are precisely recognized.

The project risk management process captures and manages emerging risks and updates previous risk analysis to reflect new information, reflecting the dynamic nature of project activity.

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