Answer: Debt-to-income (DTI) ratio
Explanation: The DTI ratio is one that considers the customer's debt relative to his disposable income (income available for spend after personal income tax deduction). The ratio varies from bank to bank. It is the number one thing a bank considers before granting a loan facility to a customer.
The fact that a customer is paying off all its due loan obligations in a timely manner without any default does not mean he is liable to obtain a loan facility if his DTI ratio is on the high side. If the DTI ratio is on the high side, it means the customer's debt is absorbing the substantial portion of the disposable income. To enable the customer get more facilities, <em>it is expected that the disposable income too should increase or better still if the customer can enhance / increase his earning capacities. </em>
Answer:
A. Guidance from the franchisor
Explanation:
Under franchising , the franchisor grants license and transfer its business expertise, unique successful processes and ideas to another business (franchisee) , usually located in another country to, carry out franchisor's business in return for a fee.
Examples of Franchising being, KFC, McDonalds and chain of other fast food restaurants operating across the globe.
The franchisee i.e the one who avails the license to operate the business of franchisor, gets the benefit of using the already successful expertise and business guidance from the franchisor which otherwise would've required years of operations to develop.
Also the franchisee benefits from operating under established and renowned brand name of the franchisor.
So, in the given case, Brian would benefit in the form of, availing regular guidance and instructions from the franchisor.
The manufacturing facility is impaired when the book value exceeds the total of estimated undiscounted future cash flows.
The manufacturing facility has an impairment loss of 15 million dollars because its book value exceeds undiscounted future cash flows.
<h3>When fair value exceeds book value, what happens?</h3>
An asset's value is "impaired" if its book value is higher than its fair value. Additionally, you are required to include the impairment loss in your income from continuing operations. The impaired asset's carrying value on your balance sheet is also affected by impairment losses.
<h3>How is an asset's impairment determined?</h3>
Resources are viewed as weakened when the book worth, or net conveying esteem, surpasses expected future incomes. The impairment must be reflected in the financial statements if it is permanent.
Learn more about book value here:
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Answer:
Assets Liabilities Stockholder's Equity
1. Authorizing and issuing Not affect Not affect Not affect
stock certificates in a
stock split
2. Declaring a stock Not affect Not affect Not affect
dividend
3. Issuing stock certificates Not affect Not affect Not affect
for the stock dividend
declared in (2)
4. Declaring a cash dividend Not affect Increase Decrease
5. Paying the cash dividend Decrease Decrease Not affect
declared in (4)
Answer:
the probability that exactly 8 complete the program is 0.001025
Explanation:
given information:
60 % of those sent complete the program, p = 0.6
the total of people being sent, n = 27
exactly 8 complete the program, x = 8
to find the probability, we can use the following formula
![P(X=x)=\left[\begin{array}{ccc}n\\x\\\end{array}\right] p^{x} (1-p)^{n-x}](https://tex.z-dn.net/?f=P%28X%3Dx%29%3D%5Cleft%5B%5Cbegin%7Barray%7D%7Bccc%7Dn%5C%5Cx%5C%5C%5Cend%7Barray%7D%5Cright%5D%20p%5E%7Bx%7D%20%281-p%29%5E%7Bn-x%7D)
![P(X=8)=\left[\begin{array}{ccc}27\\8\\\end{array}\right] 0.6^{8} (1-0.6)^{27-8}](https://tex.z-dn.net/?f=P%28X%3D8%29%3D%5Cleft%5B%5Cbegin%7Barray%7D%7Bccc%7D27%5C%5C8%5C%5C%5Cend%7Barray%7D%5Cright%5D%200.6%5E%7B8%7D%20%281-0.6%29%5E%7B27-8%7D)
![P(X=8)=\left[\begin{array}{ccc}27\\8\\\end{array}\right] 0.6^{8} (0.4)^{19}](https://tex.z-dn.net/?f=P%28X%3D8%29%3D%5Cleft%5B%5Cbegin%7Barray%7D%7Bccc%7D27%5C%5C8%5C%5C%5Cend%7Barray%7D%5Cright%5D%200.6%5E%7B8%7D%20%280.4%29%5E%7B19%7D)
= 0.001025
