The return on equity can be calculated as the net cash flow o 200,000 divided by the total cash equity of 1,000,000, which yields a return of 20.
What is net cash flow?Net cash flow refers to the amount of cash generated or consumed by a business during a specific period. It is calculated by subtracting the total cash outflows from the total cash inflows.
Cash inflows can include revenues from sales, investments, and financing activities, while cash outflows can include expenses, investments, and financing activities such as paying bills or taking out loans.
The net cash flow of 200,000 is derived from the total revenue of 800,000 and total expenses of 450,000, providing an income of 350,000.Of this 350,000, 150,000 is paid in loan payments, leaving 200,000 in net cash flow after loan payments are made.
The loan provided 75 of the project's total cost of 4,000,000, or 3,000,000 in loan principal.
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suppose jonathan has worked for his company for 35 years. as such, he has met his company's entry requirements for a retirement plan and receives payments based on fixed payout. jonathan is part of a
payments based on fixed payout jonathan is part of a benefit retirement plan in his company.
Under this type of plan, the employer promises to pay a specific benefit amount to the employee upon retirement, based on a predetermined formula that takes into account the employee's years of service and salary history.
Jonathan's retirement benefits are based on a fixed payout, which means that the amount he will receive upon retirement is predetermined and will not vary based on the performance of the investments in the plan. This is in contrast to a defined contribution plan, such as a 401(k), where the retirement benefits are based on the contributions made by the employee and the investment returns earned on those contributions.
As a long-term employee who has met the company's entry requirements for the retirement plan, Jonathan has earned the right to receive retirement benefits based on the plan's formula.
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which of the following items are included in cash? (select all that apply.) multiple select question. notes receivable from customers currency and coins balance in checking accounts checks from customers accounts receivable from customers
Cash refers to physical currency, coins, and other negotiable instruments that are readily available and accessible for use in transactions.
This can include paper money, coins, checks, money orders, and bank account balances that can be easily accessed and withdrawn as needed. Cash is an important component of an individual or organization's assets, and it is typically used to pay for goods and services, make investments, or fund day-to-day operations. In accounting, cash is classified as a current asset and is recorded on a company's balance sheet as a component of its total assets.
The items that are included in cash are:
Currency and coinsBalance in checking accountsChecks from customersNotes receivable from customers and accounts receivable from customers are not considered cash, as they are not actual cash on hand or in a bank account. They are considered accounts receivable, which is a type of asset.
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suppose the interest rate is 7.1% apr with monthly compounding. what is the present value of an annuity that pays $95 every six months for seven years?
The present value of an annuity that pays $95 every six months for seven years is $1,071.87.
The present value of the annuity is calculated by multiplying the periodic payments by the present value of an annuity factor. This factor takes into account the periodic payments, the interest rate, and the length of the annuity period. In this example, the interest rate is 7.1% APR with monthly compounding. The present value of an annuity factor for this situation is 3.8156. Multiplying the payment amount of $95 by 3.8156 gives the present value of the annuity as $1,071.87.
To better understand how the present value of an annuity is calculated, consider the cash flows of the annuity over the seven-year period. Each payment of $95 is discounted back to its present value at the 7.1% APR rate. The present value of each payment is then summed up to give the total present value of the annuity.
Therefore, the present value of an annuity that pays $95 every six months for seven years is $1,071.87.
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conscientiousness is a characteristic that is often related to doing a job well. it is a . on the other hand, performance management scores can be an indicator of how conscientious someone is. a performance management score is a .
Conscientiousness is an important personality trait often related to job performance. It refers to a person's tendency to be organized, thorough, and mindful of details. On the other hand, performance management scores are a measure of how well an individual is meeting their job-related expectations and goals.
Overall, conscientiousness and performance management scores are two important factors to consider when assessing job performance. Conscientiousness is related to a person's ability to be organized, thorough, and mindful of details, while performance management scores measure how well an individual is meeting their job-related expectations. This combination of traits can help employers identify successful employees and ensure that they are meeting the expectations of their position.
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what's the rate of return you would earn if you paid $1,780 for a perpetuity that pays $85 per year?
If you spent $1,780 for a perpetual that pays $85 year, you would have a ROI of 4.25%.
What does the term rate of return mean?The change in an investment's value expressed as a percentage is known as the yearly rate of return. For instance, if you believe you will get a 10% annual rate of return, you believe your investment will grow in value by 10% annually.
What is an organization's rate of return?The minimum return an investor will take for owning a company's shares, in exchange for a specific amount of stock-holding risk, is known as the required rate of return (RRR).
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if the nominal interest rate is 8% and the real interest rate is 3%, then the inflation rate equals:
The inflation rate is equal to 5%.
The nominal interest rate is the rate of interest that is quoted and publicized by the lender. It does not take into account the decrease in purchasing power due to inflation.
The real interest rate is the nominal rate minus the inflation rate. Therefore, if the nominal rate is 8% and the real rate is 3%, then the inflation rate is 5%.
To calculate the inflation rate, we must take the nominal interest rate minus the real interest rate. The nominal interest rate is the rate of interest that is advertised and publicized by the lender, while the real interest rate takes into account the decrease in purchasing power due to inflation.
In this example, the nominal interest rate is 8% and the real interest rate is 3%. By subtracting the real interest rate from the nominal interest rate, we get the inflation rate of 5%. This means that the inflation rate is 5% for this example.
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Definition of economics
Answer:
Economics is a social science that studies how individuals, businesses, governments, and societies make decisions about how to allocate scarce resources to satisfy their unlimited wants and needs. It examines how goods and services are produced, distributed, and consumed, and how markets and economies function. Economics is concerned with the study of incentives, the effects of resource allocation on social welfare, and the interactions between economic agents.
lynx company purchased $4,000 of merchandise on account and sold the merchandise to a customer for $7,000 cash. what is lynx's gross margin and the net change in cash flow from operating activities as a result of these transactions?
Lynx's gross margin is $3,000 and the net change in cash flow from operating activities as a result of these transactions is $3,000.
To calculate Lynx Company's gross margin, we need to subtract the cost of the merchandise sold from the sales revenue:
Sales Revenue = $7,000
Cost of Merchandise Sold = $4,000
Gross Margin = Sales Revenue - Cost of Merchandise Sold
Gross Margin = $7,000 - $4,000
Gross Margin = $3,000
Therefore, Lynx Company's gross margin on this transaction is $3,000.
To calculate the net change in cash flow from operating activities, we need to consider the cash inflow from the sale and the cash outflow from the purchase of merchandise:
Cash Inflow from Sale = $7,000
Cash Outflow from Purchase = $4,000
Net Change in Cash Flow from Operating Activities = Cash Inflow - Cash Outflow
Net Change in Cash Flow from Operating Activities = $7,000 - $4,000
Net Change in Cash Flow from Operating Activities = $3,000
Therefore, the net change in cash flow from operating activities resulting from these transactions is $3,000, which is the same as the gross margin.
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which of the following statements regarding triangular arbitrage true? both a and b it can involve trading out of the us dollar into a second currency, then trading it for a third currency, which is in turn traded for us dollars. the purpose is to earn an arbitrage profit via trading among three currencies, where the direct cross-exchange rate between the second and the third currency is not in alignment with the implied cross-exchange rate. neither a or b
Triangular arbitrage is a process where investors use three different currencies to achieve a profitable conversion process. As per the given options, option (a) and (b) are correct, which means that both statements are true. Hence, the correct option is "Both a and b.
"Triangular arbitrage can involve trading out of the US dollar into a second currency, then trading it for a third currency, which is in turn traded for US dollars. The purpose of this arbitrage is to earn a profit by trading among three currencies, where the direct cross-exchange rate between the second and third currency is not in alignment with the implied cross-exchange rate.There are three stages involved in the triangular arbitrage process. First, an investor converts the base currency (usually USD) into a second currency, then the second currency into a third currency, and finally, the third currency back into the base currency. The investor can make a profit if the rate of conversion is profitable.The process of triangular arbitrage involves exploiting the differences in exchange rates between the three currencies, and there is always a risk involved. It is not a guaranteed profit, and if executed incorrectly, the investor may incur a loss.
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service contracts on vehicles usually are wise financial decisions. group startstrue or falsetrue, unselectedfalse, unselected
The statement "Service contracts on vehicles usually are wise financial decisions" is true.
A service contract can help protect you from unexpected and potentially costly repairs that occur after the manufacturer's warranty has expired.
It can also provide access to 24/7 roadside assistance and towing, allowing you to have the peace of mind that you are covered if your vehicle experiences an issue.
Service contracts are usually a wise financial decision since they can save you money in the long term while also providing peace of mind.
When purchasing a service contract, keep in mind that it must be carefully reviewed and examined for clarity, fees, and the amount of coverage provided.
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identify one characteristic of technical communication that it meets. identify two characteristics of technical communication that it does not meet. explain your answers.
One characteristic of technical communication that it meets is clarity, meaning it should be expressed in a concise, accurate, and easily understood way.
Clarity is essential in technical communication as it allows readers to understand the message with little to no confusion. If the information is not expressed clearly, it can lead to misunderstandings and miscommunication.
Two characteristics of technical communication that it does not meet are emotion and subjectivity, as technical communication should be as objective as possible.
Emotion and subjectivity should not be part of technical communication as it can lead to misinterpretations and confusion. Technical communication should be factual, accurate, and clear in order to effectively convey information.
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jeremiah purchases sterling silver necklaces and bracelets from native american artisans and sells the items to jewelry stores and gift shops. what kind of buyer is jeremiah?
Jeremiah is played as the intermediary buyer,
As a buyer, Jeremiah plays a crucial role in the supply chain of the jewelry industry. He is responsible for finding and sourcing high-quality products from the artisans, negotiating prices, and ensuring that the products meet the specifications of the stores he sells to.
Jeremiah's target market is the jewelry stores and gift shops, which are the end buyers of his products. He needs to understand their preferences and requirements to be able to provide them with the right products.
In summary, Jeremiah is a buyer who sources and sells sterling silver jewelry to jewelry stores and gift shops. He plays a crucial role in the supply chain of the jewelry industry and needs to have a deep understanding of his target market to be successful in his business.
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dillard's is a chain of department stores that buys clothing at wholesale prices and sells them for a profit. as a retailer, dillard's is considered to be a .
Dillard's, as a chain of department stores that buys clothing at wholesale prices and sells them for a profit, is considered to be a middleman or intermediary in the distribution channel.
What is intermediaries?Intermediaries tend to act as a bridge between manufacturers or wholesalers and end customers. They perform various functions such as buying, selling, storing, sorting, and transporting goods to ensure that they reach the end customer in a timely and efficient manner.
In the case of Dillard's, it acts as a retailer intermediary, purchasing clothing from wholesalers and selling them to end customers in its department stores. As a retailer, Dillard's is responsible for managing its inventory, setting prices, promoting its products, and providing a convenient shopping experience for its customers.
Therefore, Dillard's is considered to be a retailer intermediary, also known as a reseller, in the distribution channel.
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suppose that the government decides to charge cola consumers an excise tax. before the tax, 12 million cases of cola are sold every month at a price of $3.50 per case. after the tax, 6million cases of cola are sold every month; consumers pay $4.00 per case and producers receive $2.00 per case. a. what is the excise tax on cola? b. on whom does the incidence of the tax fall more heavily? c. how much government revenue will be generated by the excise tax?
Excise tax on Cola can be calculated by finding the difference between the prices before and after the tax. Before the tax, the price of Cola was $3.50 per case, and after the tax, the price became $4.00 per case, which is an increase of $0.50. Since the producers receive $2.00 per case, the excise tax on Cola would be $0.50.
The incidence of the tax falls more heavily on the consumers since the price increased from $3.50 to $4.00 per case. The producers still receive $2.00 per case after the tax, which means they are not as affected by the tax as the consumers.
The government revenue generated by the excise tax can be calculated by multiplying the tax per case by the number of cases sold after the tax. After the tax, 6 million cases of Cola are sold every month. Therefore, the government revenue generated by the excise tax would be:
Excise tax per case = $0.50
Number of cases sold after tax = 6 million
Government revenue = Excise tax per case x Number of cases sold after tax
= $0.50 x 6 million
= $3 million
Therefore, the government revenue generated by the excise tax on Cola would be $3 million.
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why is the quick ratio a more appropriate measure of liquidity than the current ratio for a large-airplane manufacturer?
The Quick Ratio, also known as the Acid Test, is a more appropriate measure of liquidity for a large-airplane manufacturer than the Current Ratio because the Quick Ratio is calculated by subtracting inventory from the current assets, which allows for a more accurate view of how quickly a business can turn its current assets into cash.
The reason why a large-airplane manufacturer should use the Quick Ratio rather than the Current Ratio is because aircraft parts are large, bulky and expensive. If an airplane manufacturer has to sell off parts to make cash quickly, it would take a lot of time, effort, and money to do so. This means that the company could not turn those parts into cash quickly, which would make the Current Ratio misleading.
Another factor to consider is the fact that airplanes are expensive and may not be able to be sold off quickly. An airplane manufacturer may not be able to quickly convert the value of the planes into cash, making the Current Ratio unreliable. The Quick Ratio provides a more accurate view of the company's liquidity and is a better measure to use.
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the lowest level of unemployment compatible with price stability multiple choice is referred to as full employment. is estimated at between 0 and 2 percent unemployment. allows for some cyclical unemployment. is equal to the natural rate of unemployment plus the inflation rate.
The OECD defines unemployment as people over a certain age who are currently looking for work but are not employed or self-employed during the reference period.
What is unemployment and stability?
The demand side, or the employer, and the supply side, or the worker, both contribute to the problem of unemployment. High interest rates, a global recession, and a financial crisis could all result in demand-side reductions. Both structural employment and frictional unemployment have a significant impact on the supply side.
Technically, unemployment is the situation in which a large number of able-bodied people of working age are willing to work but are unable to find employment at the current wage levels.
In the grand scheme of things, unemployment has a negative impact on families' disposable income, reduces an economy's purchasing power, lowers employee morale, and can have a negative impact on the mental health of those who are still employed.
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Under a court may impose criminal liability on corporate officers regardless of whether theyparticipated in, directed, or even knew about a given criminal violation.a. implied liabilityb. conspiracyc. aiding and abettingd. responsible corporate officer doctrine
The responsible corporate officer doctrine is a legal theory that enables criminal charges to be brought against corporate officers who fail to take reasonable steps to avoid or fix illegal activities within their organizations, regardless of their level of knowledge or participation.
The doctrine's aim is to hold corporate officers responsible for their company's activities, and it has been implemented in a variety of legal contexts throughout the United States.According to the responsible corporate officer doctrine, corporate officers may be criminally liable for illegal acts committed by their businesses regardless of whether they participated in, directed, or even knew about the illegal acts. Under this legal theory, corporate officers are held responsible for ensuring that their companies follow the law and take appropriate steps to prevent criminal activities from occurring in the first place. The responsible corporate officer doctrine is a means of keeping corporate executives accountable for the illegal activities of their companies, and it is an important aspect of corporate governance.In conclusion, the responsible corporate officer doctrine states that corporate officers may be criminally liable for illegal acts committed by their companies regardless of whether they participated in, directed, or even knew about the illegal acts. The doctrine is a means of holding corporate executives accountable for the illegal activities of their companies, and it is an important aspect of corporate governance.This legal principle aims to ensure that high-ranking corporate officials are held accountable for the actions of their company, particularly when it comes to public welfare and regulatory compliance. By imposing liability on corporate officers, the responsible corporate officer doctrine encourages these individuals to take appropriate measures to prevent and address any wrongdoing within their organization.The responsible corporate officer doctrine refers to the legal principle that a court may impose criminal liability on corporate officers regardless of whether they participated in, directed, or even knew about a given criminal violation. Under this doctrine, corporate officers can be held responsible for the actions of their subordinates, even if they did not actively participate in the wrongdoing. This is because corporate officers have a duty to ensure that their companies are in compliance with the law, and they can be held accountable if they fail to fulfill this duty.
The responsible corporate officer doctrine is based on the idea that corporate officers have a unique level of responsibility and authority within a company, and they must use that authority to ensure that the company operates within the law. This doctrine is particularly important in cases where a company has engaged in illegal or unethical behavior, as it allows prosecutors to hold individuals accountable for their actions, even if they were not directly involved in the wrongdoing. Overall, the responsible corporate officer doctrine is an important tool for promoting accountability and deterring corporate misconduct.
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Your supervisor is considering allowing you and your coworkers to use IM. He is interested in how IM works and asks you to identify the benefits of using IM in the workplace.
What benefits will you mention to your supervisor? Check all that apply.
IM allows for the speedy recovery of lost documents.
IM enables real-time communication anywhere in the world.
IM is a convenient alternative to the telephone.
The benefits of using IM in the workplace are:
1) IM enables real-time communication anywhere in the world.
2)IM is a convenient alternative to the telephone.
Instant messaging (IM) is a communication technology that allows two or more people to communicate in real time over the Internet. Instant messaging is a very popular communication method that is used by people all over the world on a daily basis. The benefits are as follows:
Real-time communication: IM allows for real-time communication in the workplace, no matter where individuals are located. In contrast to emails, instant messaging enables people to receive and respond to messages right away, resulting in faster decision-making and increased productivity.
Convenient alternative: Instant messaging is a convenient alternative to phone calls, especially when a message doesn't require a phone call. Instant messaging allows you to send messages to your coworkers at any time, and they can respond at their own convenience.
Lost documents recovery: IM can also be used as an effective tool for document recovery. Many instant messaging applications, for example, allow users to send and receive files, making it an ideal solution for sharing and recovering documents in the workplace.
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hich of the following is an outcome of incivility at the workplace? check all that apply. feelings of lack of respect better health increased performance levels improved thinking skills higher turnover
Outcome of incivility at the workplace include A: feelings of lack of respect, E: higher turnover.
Incivility at the workplace can have various negative outcomes for both employees and the organization. One of the outcomes is feelings of lack of respect, where employees may feel disrespected or devalued by their colleagues or superiors. This can lead to a lowered sense of job satisfaction and a negative impact on mental health. Another outcome is higher turnover, where employees may choose to leave the organization due to a toxic or unpleasant work environment.
This can have significant economic and operational consequences for the organization, including decreased productivity and increased costs associated with recruitment and training.
Therefore, it is important for organizations to take steps to prevent and address incivility in the workplace to maintain a healthy and productive work environment.
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automobile companies truly seem to be listening to customers who are environmentally concerned by offering more fuel-efficient cars. companies are adjusting the factor of the marketing mix.
Automobile companies truly seem to be listening to customers who are environmentally concerned about offering more fuel-efficient cars. These companies are adjusting the factor of the marketing mix.
The marketing mix refers to a set of decisions and activities that businesses engage in to promote their goods and services effectively. The elements of the marketing mix include product, price, place, and promotion.
In response to customers' increasing concerns for the environment, automobile companies are focusing on the product component of the marketing mix by offering more fuel-efficient cars. They have altered the design and construction of their vehicles to improve fuel efficiency, reducing their overall carbon footprint, and also promoting their products as eco-friendly alternatives to traditional gas-powered vehicles.
The price component of the marketing mix has also been affected by these changes. Companies have been able to charge higher prices for fuel-efficient cars, taking advantage of the demand from customers who are willing to pay more for environmentally friendly products. However, the overall cost of owning and maintaining a fuel-efficient vehicle is often lower than that of a gas-powered car, so customers benefit from lower long-term costs.
The promotion component of the marketing mix has also been adjusted, with companies emphasizing the eco-friendliness and sustainability of their products in their marketing and advertising campaigns. In conclusion, automobile companies are adjusting the factor of the marketing mix by focusing on the product, price, and promotion components in response to customers' increasing concerns for the environment.
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an exporter faced with exposure to a depreciating currency can reduce transaction exposure with a strategy of
An exporter faced with exposure to a depreciating currency can reduce transaction exposure with a strategy of hedging.
What is hedging?Hedging is the practice of minimizing or mitigating risk in various investment portfolios. It is used by investors and traders to reduce exposure to risk from changes in currency exchange rates, interest rates, and commodity prices, among other things. Hedging is commonly used in the financial markets to protect against price volatility, reduce transaction fees, and limit overall risk exposure.
What is transaction exposure?Transaction exposure is the possibility of incurring losses due to changes in exchange rates that occur after a trade has been concluded.
As a result of this exposure, a company that purchases and sells in foreign currencies faces the possibility of a gain or loss on each sale depending on the exchange rate at the time of payment. Hedging is a popular way for companies to manage their transaction exposure.
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Erik is an investor with $5,000 available for investment. He has the following three investment possibilities from which to choose: Suppose Erik cares about the risk involved in Options 2 and 3, and decides to select Option 1 because it has no risk. Which of the following statements would be true about Erik? He is risk-averse. He is risk-neutral. He is risk-loving. None of these descriptions is accurate. Later, while examining the same investment alternatives, Erik's brother, Devin, clearly expressed a preference for Option 1. Which of the following statements is true about Devin? He is risk-averse. He is risk-neutral. He is risk-loving. None of the above.
Erik is risk-averse because he chose Option 1, which has no risk, over Options 2 and 3, which involve risk. Devin is risk-averse as well since he expressed a preference for Option 1, which has no risk, over the other two options.
Risk-averse investors prefer investments with low or no risk because their primary concern is protecting their initial investment. By choosing Option 1, Erik showed he is risk-averse because he prioritized protecting his initial investment over the potential gains from Options 2 and 3. Devin, on the other hand, expressed a preference for Option 1 over the other two options, further indicating he is risk-averse and looking to protect his investment as well. Although Options 2 and 3 come with a higher potential return, both Erik and Devin chose to avoid the risks associated with these two options, making them both risk-averse.
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true or false: the journal entry required when a customer is given an allowance in cash is the same under both a periodic and perpetual system.
The given statement "the journal entry required when a customer is given an allowance in cash is the same under both a periodic and perpetual system" is true.
Periodic Inventory SystemIn this system, the inventory balance and cost of goods sold are determined at the end of the accounting period. The perpetual inventory system updates inventory and cost of goods sold accounts every time a transaction occurs involving inventory.
Perpetual Inventory SystemIn this system, inventory balances and the cost of goods sold accounts are updated continuously as transactions occur involving inventory. It is more accurate than the periodic inventory system but is more complex and time-consuming.
Now coming to the journal entries, when a customer is given an allowance in cash, the entry that is required is the same for both systems. In this scenario, a Sales Return and Allowances account is credited and cash is debited. The sales return account is created for situations like this, where the customer returns the item to the seller or gets an allowance in cash.
This Sales Return and Allowances account is different from the Sales account and helps to record all sales returns and allowances during the accounting period. The perpetual inventory system is preferred over the periodic inventory system, as the inventory is up-to-date, but the journal entries required in both cases remain the same.
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written rules and procedures. promotion based on qualifications, and job descriptions are organizing principles proposed by
Written rules and procedures. promotion based on qualifications, and job descriptions are organizing principles proposed by Frederick Taylor.
Frederick Taylor in his book, "The Principles of Scientific Management." These principles help to structure and organize the work of organizations and employees to ensure efficiency and productivity. They include:
Taylor argued that these principles should be implemented systematically to maximize efficiency and productivity.
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within the framework of the ad/as model, if consumers and investors become more pessimistic about the future direction of the economy, this will lead to
Within the framework of the AD/AS model, if consumers and investors become more pessimistic about the future direction of the economy, this will lead to a decrease in aggregate demand and a leftward shift in the AD curve.
The AD-AS model represents the aggregate demand-aggregate supply model. It is a basic model that is used to illustrate macroeconomic equilibrium. It represents the total quantity of goods and services that households, businesses, the government, and foreigners want to purchase at a given price level.The aggregate demand curve (AD) represents the total quantity of goods and services that people want to purchase at various price levels.
The leftward shift of the AD curve implies a decrease in the total quantity of goods and services demanded at various price levels, leading to lower output, employment, and prices in the short run.Conclusively, investors and consumers' sentiment has a direct impact on the macroeconomic equilibrium of an economy, and any changes in their attitudes can lead to significant fluctuations in the economy.
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among other reasons, international transactions are perceived to have more risk of non-payment because of
International transactions are perceived to have more risk of non-payment due to political and economic instability in different countries, exchange rate fluctuations, restrictions on the flow of funds, and difficulties in the enforcement of contractual agreements.
Political and economic instability in foreign countries can cause delays or failure to fulfill contractual obligations. Exchange rate fluctuations can lead to additional costs, making repayment more difficult.
Restrictions on the flow of funds from one country to another can limit the ability to make payments. Finally, difficulties in enforcing contractual agreements can arise due to different legal systems and cultural norms.
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a policyowner names his five children as primary beneficiaries and his wife as a contingent beneficiary. if the policyowner and one of his children die, who would receive policy benefits?
Five children as primary beneficiaries and his wife as a contingent beneficiary, the policy benefits will be received by: The remaining four children.
A beneficiary is an individual who is eligible to receive benefits or profits from a trust, will, or insurance policy. The individual or party that receives assets or benefits is known as the beneficiary. It is an important part of an insurance contract, will, or trust document to name a beneficiary to receive funds or properties upon the policyholder's death.
The named beneficiary would receive the policy benefits upon the policyholder's death, subject to the policy's terms and conditions. If a beneficiary is not designated, the policyholder's estate may receive the proceeds. Therefore, beneficiaries must be assigned to avoid unnecessary confusion and uncertainty.
Therefore, the surviving children would be the primary beneficiaries to receive policy benefits upon the policyholder and one of his children's death.
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a good is when a seller can prevent people who did not pay for a product from obtaining its benefits. multiple choice question. excludable rival non-rival non-excludable
An item that is excludable is when a seller can prevent people who did not pay for a product from obtaining its benefits. So, the correct option is "excludable".
Excludable goods are products or services that can be withheld from consumers until they have paid for them. Such items provide a direct financial benefit to the owner. Sellers are in charge of producing or acquiring the item, distributing it to the consumer, and collecting payments. Public utilities like parks or lakes, as well as street lighting, are examples of non-excludable products. Other individuals are unable to use them, regardless of whether or not they contribute to the product.
Excludable goods are often in competition, which can help to drive up prices. If a good is non-excludable, its benefits can be obtained without paying for it. Non-rival goods are things that can be utilized simultaneously by several people. Non-excludable goods are goods that cannot be controlled, meaning that anyone can access them, and no one can be denied access to them. Some common examples of non-excludable goods are lighthouses, highways, fire protection, and public parks.
Hence, the correct option is "excludable".
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which of the following is not a key strategic driver of a differentiation advantage? a. service b. branding c. process innovation d. design
Answer:
Process innovation
Explanation:
Process innovation is not a key strategic driver of a differentiation advantage.
Process innovation, refers to improving the efficiency and effectiveness of a company's operations. While process innovation can lead to cost savings and other benefits, it is not necessarily a key driver of differentiation advantage.
Differentiation advantage is a strategy that a company can adopt to distinguish its products or services from those of its competitors in the market. It involves creating a unique value proposition that appeals to customers and allows the company to charge a premium price for its offerings.
The three key strategic drivers of a differentiation advantage are
service, branding,and design.alice lost her atm card at the lake and reported it missing the next day. she found that $800 had been withdrawn from her savings account. the most alice will be legally liable for is
The most that Alice will be legally liable for when she lost her ATM card at the lake and reported it missing the next day, finding out that $800 had been withdrawn from her savings account is $50, according to EFTA.
The Electronic Funds Transfer Act of 1978 (EFTA) is a federal law that establishes the rights, liabilities, and responsibilities of participants in electronic funds transfer systems.
Alice is legally liable for up to $50 of the $800 that was withdrawn from her savings account. This is because the Electronic Fund Transfer Act (EFTA) states that a customer is not responsible for any unauthorized withdrawals if they notify the financial institution of the unauthorized activity within 60 days of the activity. As Alice reported the ATM card missing the next day, she would be within the legal limit of $50 of the lost funds.
The EFTA also provides that if the card is not reported missing within two business days, but it is reported within sixty days of the statement being sent to the account holder, the liability limit for unauthorized transactions is $500. If the financial institution isn't notified within sixty days, the account holder is responsible for all unauthorized transactions on the account.
If Alice had reported the missing ATM card after the 60 day period, she could be legally liable for all of the lost funds. It is important to report unauthorized activity as soon as possible in order to minimize the amount of financial liability. Additionally, the financial institution may provide additional protections to customers that report any unauthorized activity within the stated timeframe.
According to the EFTA, if Alice reports the missing card to the financial institution within two business days, her liability is limited to $50 for any unauthorized transactions. In this case, she could be held responsible for the full amount withdrawn, rather than being limited to the $50 or $500 liability caps.
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