There are three different kinds of credit cards: secured, low-interest, and cashback.
What exactly is a secured card?An additional kind of security for a credit card is a cash deposit. In the event that you are unable to make the required payments, the deposit will protect your account and provide the credit card business piece of mind.
What precisely are credit cards with low interest rates?Long-term and low monthly interest rates are characteristics of low APR credit cards. Maintaining credit cards becomes less expensive. Credit cards with introductory APRs of 1.5% to 3% are considered low-interest cards.
What are cash back credit cards?You can choose to receive reward points or a portion of your spending back in cash when using credit cards with cashback programs. They only make sense if you consistently pay off your balance in full each month and stay within your credit limit. In that situation, the benefits will be outweighed by the interest you pay.
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How does the fractional reserve system increase the money supply in a country?
A. By giving banks the authority to print their own money in an economic emergency
B. By using deposited money to make loans without reducing the value of the deposits
C. By automatically converting foreign currencies into U.S. dollars on deposit
D. By guaranteeing that all deposits are held in reserve as cash at all times
Answer:
B. By using deposited money to make loans without reducing the value of the deposits.
Explanation:
got it right on the quiz :)
By making loans with the help of deposits while maintaining the value of the deposits. Therefore, option B is correct.
What is fractional reserve system?Fractional reserve system is a banking system in which banks are required to hold only a fraction of their deposit liabilities as reserves in the form of cash or deposits with the central bank, and can lend out the rest of the funds to borrowers.
For example, if a bank has $100 million in deposits and is required to hold a reserve ratio of 10%, it can lend out $90 million and hold $10 million as reserves. This creates new money in the economy, as the borrower who receives the $90 million can deposit it in another bank, which in turn can lend out a portion of the funds.
The fractional reserve system allows banks to earn interest on loans and create more money in the economy, which can stimulate economic growth. However, it also increases the risk of bank runs and financial instability, as depositors may rush to withdraw their funds if they lose confidence in the bank's ability to repay them.
To mitigate this risk, central banks and regulators monitor banks' reserves and require them to hold additional capital as a buffer against losses.
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Promotion to consumers is called
Assume that a competitive economy can be described by a constant returns to scale (Cobb Douglas) production function and all factors of production are fully employed. Holding other factors constant, including the quantity of capital and technology, explain how a one-time, 10-percent increase in the quantity of labor (perhaps the result of a special immigration policy) will change each of the following: the real rental price of capital;
Answer and Explanation:
Since there is an increase of 10% of the quantity of labor this would result an increase in the real rental price of capital due to which the ratio of capital labor would decrease
Therefore according to the given situation, the real rental capital price would rise
Hence, the above represent the answer
Ace Industrial Machines issued 165,000 zero coupon bonds 6 years ago. The bonds originally had 30 years to maturity with a yield to maturity of 6.4 percent. Interest rates have recently decreased, and the bonds now have a yield to maturity of 5.5 percent. The bonds have a par value of $2,000. If the company has a $84.2 million market value of equity, what weight should it use for debt when calculating the cost of capital
Answer:
0.5202
Explanation:
Calculation to determine what weight should it use for debt when calculating the cost of capital
First step is to compute the Present value (PV) using financial calcualtor -
Put in calculator-
FV 2000
PMT 0
I 5.50%
N 24( 30 years- 6 years)
Compute PV ($553.31)
Second step is to calculate the Total value of debt
Price of bond = $553.31
*Number of bond = $165,000
=Total value of debt $91,296,150
($553.31*165,000)
Now let calculate the Weight of debt
Weight of debt =$91,296,150/($91,296,150+$84,200,000)
Weight of debt=$91,296,150/175,496,150
Weight of debt=0.5202
Therefore weight should it use for debt when calculating the cost of capital is 0.5202
QUESTION 8 of 10: You buy a lathe for $20,000. Its useful life is 10 years. Each week, over 10 years, you recognize an equal portion of its cost. This is called depreciation. What is your weekly depreciation for the lathe?
Answer:
the weekly depreciation is $38.46
Explanation:
The computation of the weekly depreciation is shown below;
Given that
The Purchase value of the lathe is $20,000
Useful life is 10 years
So, the annual depreciation is
= $20,000 ÷ 10 years
= $2,000 per year
Now the weekly depreciation is
= $2,000 ÷ 52 weeks
= $38.46
Hence, the weekly depreciation is $38.46
Question 40 of 40
Product differentiation occurs most frequently in what part of the product life
cycle?
A. Introduction
B. Growth
C. Decline
D. Maturity
Product differentiation occurs most frequently in the D. maturity part of the product life cycle.
Maturity isn't a matter of age, but rather, of how you choose to respond and reply to colorful life situations. It's basically a position of internal development or wisdom that has a bearing on all areas of an existent's life, right from their conduct to their relationship with others. A mature person will take responsibility for his own conduct rather than condemn others. He'll take a far-sighted view of effects and act in a considered, rather than a robotic manner. Mature people are suitable to accept themselves for who they are; they exercise kindness indeed in the face of their failings. You can seek to ameliorate yourself and grow as an individual, but maturity allows you to take your present situation and all the once events that have led to it and make peace with them.
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What could be some volunteer opportunities for an interior decorating job? Someone pls helppp
U should start tixtok and promote urself first. U can also make a website and attach all ur files. The website can be ur portfolio. Start offering ur service for free to gain experience and trust of ppl. Tell ur friends to recommend u to someone who needs interior designer. Try to research if there are any volunteering jobs for interior designers in ur area.
Suppose Jon is Kayla's boss. Thus, in this relationship, Kayla is the agent. In the course of her employment, Jon gives Kayla unlawful instructions to commit tax fraud for the company's finances. In this situation, _______________________. multiple choice the agent is required to follow the instruction due to the duty of obedience the agent is required to notify the EPA about the principal the agent is required to follow this instruction due to the duty of accounting the agent is not required to follow this instruction the agent is required to follow the instruction due to the duty of loyalty
Answer:
the agent is not required to follow this instruction
Explanation:
Agency in this context is simply defined as the relationship that exist usually between a principal and an agent.
An Agent is simply an individual who has been licensed or authorized to act for and on behalf of a principal.
A Principal is an individual who hires an agent to stand in place or represent him or her.
Fiduciary
This is the duty of an individual with a duty to act in place or primarily for another person's benefit.
An agent who makes an unauthorized agreement has failed to meet the duty of obedience. When the principal gives unlawful or unethical instructions, the agent is not bound or required to behave in accordance with them. A principal-agent relationship comes to play when an employer hires an employee to enter into contracts on behalf of the employer usually the more basic type of agency relationship.
An Unauthorized acts
This is defined as an acts go beyond the range of the agent's authority.
A manager of a nursing home wants to be sure not to employ any immigrants who aren't authorized to work in the United States. The manager proposes that the company consider only job applicants who are obviously citizens. What is the legal problem with this idea?
A. It is a violation of the WARN Act, which protects against discrimination
B. It violates the principle of employment at will.
C. It eliminates the need for requiring the Form I-9 verification process.
D. It may lead to discrimination on the basis of race and national origin
Answer:
Option B, It violates the principle of employment at will
Explanation:
Discrimination of any sort is not promoted in any organization. A suitable candidate is selected based on his/her skill sets, educational background and experience. Also, discrimination of any form in a professional office space is a punishable offence.
Hence, option B is correct
What is the difference between specialization and cross-training?
A. Specialization is for employees at the top management level of
the company while cross-training is for employees at the entry
level.
B. Specialization is for employees who have an advanced degree
while cross-training is for those who do not have an advanced
degree.
C. Specialization is for employees who love what they do while cross-
training is for employees who don't love any one particular area of
their work.
D. Specialization leads employees to focus on a single skill or task
while cross-training deals with training employees in multiple skills
or tasks.
Answer:
D. Specialization leads employees to focus on a single skill or task
while cross-training deals with training employees in multiple skills
or tasks.
Explanation:
Job specialization can be defined as a strategic process which typically involves the ability of employees working in an organization to develop specific skills, knowledge, great expertise or professionalism and experience to perform their duties, tasks or job functions effectively and efficiently.
In order to gain the requisite skills, expertise and knowledge for job specialization, it is very important for the employees to have undergone an extensive training and a good number of years in work experience.
The primary purpose of job specialization is to increase efficiency and productivity because the employees are able to specialize in the use of specific tools (equipments) to accomplish their tasks, as well as limit the level of error or mistakes in the production process.
On the other hand, cross-training can be defined as a learning process which typically involves teaching an individual or group of people multiple skills that are relevant to their job position or roles in an organization.
Hence, the difference between specialization and cross-training is that, specialization leads employees to focus on a single skill or task while cross-training deals with training employees in multiple skills or tasks.
When is the only time to abbreviate on a job application? Question 3 options: In the Personal Information section In the Position & Availability section Only when space is limited Signature section
Answer:
Availability Section
Explanation:
All the information in a job application needs to be very detailed and with little to no room for interpretation. This is because a job application is a one-time deal meaning you do not get to redo it once you turn it in. If the hiring manager does not understand something in the job application they will simply throw it away and pass on to the next application on the list, they will not waste time on it. Therefore, the only thing that can be abbreviated would be the Availability Section when dealing with days of the week. Instead of spelling out every day you can say any of the following...
Mon, Tue, Wed, Thu, Fri, Sat, Sun
Sat-Sun
Mon-Fri
Which could be the heading of Carrie's balance sheet?
Carrie's Balance Sheet (January 1, 2021)
Carrie's Balance Sheet (January)
Carrie's Balance Sheet (Friday, January 3)
O Carrie's Balance Sheet (January 2011 – January 2021)
Answer: Carrie's Balance Sheet (January 1, 2021)
Explanation:
A Balance sheet should be based on a particular day so that the records contained in it can be specific as of the day the balance sheet was made.
This is done because having a general date might be confusing as many transactions could take place in that period and there will be some confusion as to which ones need to be recorded and which do not. A specific date however, shows the events that have happened up until that very day.
A. Carrie's Balance Sheet (January 1, 2021)
edge 2021
The Colvilles are buying a new car. The cash price is $35,000.00. They will make a down payment of 20% or $5,000. The balance will be covered by an installment loan. The loan will be repaid in 48 monthly payments of $651. The annual percentage rate for the loan is _________%. (Round your answers to two decimal places.)
Answer:
The Annual Percentage Rate, APR = 1.07%
Explanation:
The annual percentage rate (APR) for a loan is the amount payed annually as interest which is specified as a percentage of the balance of the loan
The given parameters are;
The cash price for the car the Colvilles are buying = $35,000.00
The amount of down payment they will make = 20% or $5,000
The will cover the balance by installment loan
The number of monthly with which the loan will be repaid, n = 48 monthly payment
The amount of the monthly payments, M = $651
The balance which will be taken on loan, P = 35,000.00 - 5,000 = 30,000
The balance which will be taken on loan, P = $30,000
[tex]APR = \left(\left(\dfrac{\dfrac{Fees + Interest}{Principal} }{n} \right) \times 12\right) \times 100[/tex]
[tex]APR = \left(\left(\dfrac{\dfrac{ I}{P} }{n} \right) \times 12\right) \times 100[/tex]
Therefore;
The interest paid over life of loan, I = M × n - P
∴ I = 651 × 48 - 30,000 = 1,284
Therefore, we have;
[tex]APR = \left(\left(\dfrac{\dfrac{ 1,284}{30,000} }{48} \right) \times 12\right) \times 100 = 1.07 \%[/tex]
The Annual Percentage Rate APR = 1.07%
Complete a departmental expense allocation spreadsheet for Marathon Running Shop. The spreadsheet should assign (1) direct expenses to each of the four departments, (2) the $64,000 of utilities expense to the four departments on the basis of floor space occupied, (3) the advertising department’s expenses to the two operating departments on the basis of the number of ads placed that promoted a department’s products, and (4) the administrative department’s expenses to the two operating departments based on the amount of sales.
Question Completion:
Marathon Running Shop has two service departments (advertising and administrative) and two operating departments (shoes and clothing). The table that follows shows the direct expenses incurred and square footage occupied by all four departments, as well as total sales for the two operating departments for the year 2017
Direct Expenses Square Feet Sales
Department
Advertising $ 18,000 1,120
Administrative 25,000 1,400
Shoes 103,000 7,140 $273,000
Clothing 15,000 4,340 77,000
The advertising department developed and distributed 120 advertisements during the year. Of these, 90 promoted shoes and 30 promoted clothing. Utilities expense of $64,000 is an indirect expense to all departments.
Answer:
Marathon Running Shop
Allocation of service departments' costs to the operating departments:
Service Departments Operating Departments Total
Advertising Administrative Shoes Clothing
Departmental $18,000 $25,000 $103,000 $15,000 $161,000
Utilities 5,120 6,400 32,640 19,840 64,000
After Utilities 23,120 31,400 135,640 34,840 $225,000
Advertising -23,120 17,340 5,780 0
Administrative -31,400 24,492 6,908 0
Total allocated costs $177,472 $47,528 $225,000
Explanation:
a) Data and Calculations:
Direct Expenses Square Feet Sales
Department
Advertising $ 18,000 1,120
Administrative 25,000 1,400
Shoes 103,000 7,140 $273,000
Clothing 15,000 4,340 77,000
Total $161,000 14,000 $350,000
Allocation of Utilities Expense of $64,000
Rate
Advertising (1,120/14,000 * $64,000) = $5,120
Administrative (1,400/14,000 * $64,000) = $6,400
Shoes (7,140/14,000 * $64,000) = $32,640
Clothing (4,340/14,000 * $64,000) = $19,840
Advertising $ 18,000 + $5,120 = $23,120
Administrative 25,000 + $6,400 = $31,400
Shoes 103,000 + $32,640 = $135,640
Clothing 15,000 + $19,840 = $34,840
Advertising expenses consumed by:
Shoes 90/120 * $23,120 = $17,340
Clothing 30/120 * $23,120 = $5,780
Administrative expenses consumed by:
Shoes $273,000/$350,000 * $31,400 = $24,492
Clothing $77,000/$350,000 * $31,400 = $6,908
co
During which stage of a product life cycle do you only need to inform customers about your product?
During the
stage of your product life cycle, you only need to inform customers about your product
Answer:Introduction
Explanation:
Answer: Maturity stage (the tutorial said so)
Explanation:
(Yeah ik its a veryyy late response)
The notion that groups alternate between periods of inertia and bursts of energy as they develop is most consistent with:
a. storming-norming stage
b. forming-storming stage
c. punctuated equilibrium
d. evolution-revolution in group development
Answer:
Option C: punctuated equilibrium
Explanation:
Punctuation are defined as new policy due to a break in monopoly of the subsystem.
Equilibrium is simply a Steady state of affairs. If there is a disruption it will return.
Punctuated equilibrium simply means a long periods of no much or little change and short periods of fast changes.
Mass extinction is said to lead to arapid change and new specie. Such as volcanic eruption, meteor impact causing sudden climatic environmental changes and others. It is a non-rational and a non-linear approach.
Examples is that public policy does not change much over time, except for some shocks. It is generally very stable, on other instances there are dramatic changes.
Find a product demonstration that educates people about a particular product. Describe that demonstration. Evaluate the demonstration by explaining whether it educated you about the product or simply tried to persuade you to buy the product.
Now, design your own product demonstration about a product you would like to investigate.
Answer:Dawn dish washing liquid has an ad that demonstrates how the product was used to clean the ducks and other wildlife that I had wheels stuck on their feathers after the gulf coast oil spill. It showed how the soap was strong enough to remove harmful oil, but gentle enough that it didn’t harm the delicate birds. This demonstration was highly effective because it educated the consumer on different ways to use Dawn dishwashing liquid
Explanation:
Payroll deductions are the same for all employees.
Answer:
no it depends the age and how good u are at your job.
Explanation:
Help me please... help
Direct stakeholders are those involved in the company's day-to-day activities. Like employees, who carry out their daily tasks, working on the company's ongoing projects. Indirect stakeholders are those who are more interested in the result of the production. Direct stakeholders are entities that have a visible role in the organization, regulation, operation and support of the bus service; or people, communities and entities that use the service or are impacted by it. Indirect stakeholders are anyone else whose interests are either enhanced or threatened.
Answer:
Explanation:
C part
If there is a decrease in the short-run aggregate supply curve and no changes in monetary and fiscal policies are implemented, the economy over time will
A. Remain at the new price and output level
B. Continue to have rising prices and decreasing real GDP.
C. Experience increasing nominal wages.
D. Return to the original output and price level.
E. Experience a leftward shift in the aggregate demand curve.
Answer:
D. Return to the original output and price level.
Explanation:
In Economics, there are primarily two (2) factors which affect the availability and the price at which goods and services are sold or provided, these are demand and supply.
The law of demand states that, the higher the demand for goods and services, the higher the price it would be sold all things being equal. On the other hand, law of supply states that the higher the price of goods and services, the lower the supply.
In order to understand both short-run economic fluctuations and how the economy move from short to long run, we need the aggregate supply and aggregate demand model.
Aggregate supply (AS) refers to the total quantity of output (goods and services) that firms are willing to produce and sell at a given price in an economy at a particular period of time.
An aggregate supply curve gives the relationship between the aggregate price level for goods or services and the quantity of aggregate output supplied in an economy at a specific period of time.
Generally, an economy will return to its original level of output (production) and price level when the short-run aggregate supply curve falls (decreases) and no changes in monetary and fiscal policies are implemented. Fiscal policy refers to the use of government expenditures (spending) and revenues (taxation) in order to influence macroeconomic conditions such as aggregate demand (AD), aggregate supply (AS), inflation, and employment within a country.
Find two cases of life insurance fraud. Write a paragraph for each one explaining the details given. (how was the fraud committed, what was the purpose, how the person was caught, what happened as a result, etc.) Next, find one case of health insurance fraud and look up the same information.
Answer:
Health identity theft is when criminals steal victims names.
Explanation:
health insurance numbers and other personal data and then defraud insurers by making false claims. To combat the problem, some medical ...
Name 4 things you can buy insurance for?
Answer:
Weather, Car, house, and appliances.
Explanation:
Its simple
Help me please.. there is no option on here for Human Resources principals, so I jus clicked business as the subject..
Answer:
it is c issue-based-model
when should an event programing be used
Answer:
The utilization of the given topic is summarized throughout the below section.
Explanation:
Event-driven programming language shall be used if the software doesn't somehow monitor the sequential order of such occurrence.The software circulation or activity was mostly directly guided to an external mechanism like a consumer or client (e.g. a GUI), a whole other method (e.g. a customer or a server).The pros and cons of new product concepts are analyzed during the idea generation phase of new product development.
True
False
On March 14, Ian Co. accepted a 180-day, 5% note in the amount of $1,000 from Ali Co., a customer. On the due date of the note, Ali dishonors the note and fails to pay. The journal entry that Ian would record on the due date would include a: (Check all that apply.) Multiple select question. credit to Notes Receivable for $1,000. debit to Accounts Receivable - Ali for $1,025. debit to Interest Revenue for $25. debit to Notes Receivable for $1,025. credit to Accounts Receivable - Ali for $1,000. credit to Interest Revenue for $25.
Answer:
Debit to Accounts Receivable - Ali for $1,025,
Credit to Interest Revenue for $25,
Credit to Notes Receivable for $1,000,
Explanation:
Based on the information given The appropriate journal entry that Ian would record on the due date would include a:
Debit to Accounts Receivable - Ali for $1,025,
($1,000+$25)
Credit to Interest Revenue for $25,
(5%*$1,000*180 /360)
Credit to Notes Receivable for $1,000,
helpppppppppppppppppppppppppp
Federalists believed a workable government
must separate government into branches.
should centralize power under the president.
cannot prevent abuses of power.
could not be created under the Constitution
Answer:
must separate government into branches.
Explanation:
Federalists refers to a group of people who were keenly interested in the ratification of the federal constitution of the United States of America in 1787. They unanimously believed and agreed that the Articles of Confederation wasn't adequate or sufficient enough to enhance good governance and serve the needs of the United States of America and as such required a new government having greater powers at the national level.
Additionally, the federalists were a group of people who were well funded, organized and as a result made use of the printed media extensively.
Some notable members of the Federalists were Benjamin Franklin, George Washington etc.
Hence, the federalists believed a workable government must separate government into branches, which would include federal, state and local government.
Answer:
A
Explanation:
I took the test
Lindsey plans to open a new bicycle shop in Gainesville that will target college students. She anticipates that demand for bicycles will increase this summer as a result of higher gas prices and increasing parking problems on campus. However, she has also taken into account that some things may not go the way she has planned and has developed alternative courses of action. What component of the marketing plan do these alternative strategies represent
Answer:
Contingency plan
Explanation:
Contingency plan is a common a management tool. It facilities adequate arrangements which are made in the advent of a crisis. It is a plan laid down for a specific situation when things could go wrong.
Plans which are developed for possible operations where the planning factors ( e.g. scope, risks and others have been figured out or assumed.
Example: It is the Preparation to deal with calamities such as floods and non calamitous situations such as labor strike usually before they occur.
Question 1 of 40
What of these statements best describes the purpose of a logo?
A. It consists of the words the audience will read first on an
advertisement.
B. It supports a marketing message by grabbing attention and
making an emotional appeal.
C. It lists information and other details needed to develop audience
interest and credibility.
D. It reminds the audience of the advertiser's identity.
SUBMIT
Answer:
D. It reminds the audience of the advertiser's identity.
Explanation:
Marketing can be defined as the process of developing promotional techniques and sales strategies by a firm, so as to enhance the availability of goods and services to meet the needs of the end users or consumers through advertising and market research.
Advertisement refers to the promotional multimedia messages designed and developed to make the products or services of a company known to its customers and potential customers. It is generally considered to be one-sided because it focuses on painting a brand as the best and devoid of any negative issue.
A logo is simply a graphical symbol, emblem or illustration that serves as a means of identity and trademark of a particular company saddled with the responsibility of manufacturing goods and services for its customers. Logos are usually placed or inscribed in all products, so as to differentiate the brand from it's competitors and to make the customers aware of the identity of the manufacturer (advertiser) during an advertisement.
Hence, the statement which best describes the purpose of a logo is that it reminds the audience of the advertiser's identity.