Occurs when someone adds value to an item of personal property by use of labor or materials. generally, the owns the property after this occurs. if the improvement was made without the permission of the owner, the owner pay for it. is the commingling of goods to the extent that the goods of one owner cannot be distinguished from the goods of another owner. this often occurs with goods. if this occurs because of agreement, mistake or the act of a third party, the owners share in proportion to their contributions. if it happens because of the wrongful act of one owner, the acquires title to the whole lot of goods.

Ummit record company is negotiating with two banks for a $157,000 loan. fidelity bank requires a compensating balance of 24 percent, discounts the loan, and wants to be paid back in four quarterly payments. southwest bank requires a compensating balance of 12 percent, does not discount the loan, but wants to be paid back in 12 monthly installments. the stated rate for both banks is 9 percent. compensating balances will be subtracted from the $157,000 in determining the available funds in part a. a-1. calculate the effective interest rate for fidelity bank and southwest bank. (do not round intermediate calculations. input your answers as a percent rounded to 2 decimal places.) a-2. which loan should summit accept? southwest bank fidelity bank b. recompute the effective cost of interest, assuming that summit ordinarily maintains $37,680 at each bank in deposits that will serve as compensating balances

When the national economy goes from bad to better, market research shows changes in the sales at various types of restaurants. projected 2011 sales at quick-service restaurants are $164.8 billion, which was 3% better than in 2010. projected 2011 sales at full-service restaurants are $184.2 billion, which was 1.2% better than in 2010. how will the dollar growth in quick-service restaurants sales compared to the dollar growth for full-service places?

Describe how to write a main idea expressed as a bottom-line statement