Answer:
Certificate of Deposits.
Explanation:
Certificate of Deposits (CDs) as defined in the question, are time based deposits that are usually issued by banks, credit unions and other money-centered financial firms.
Because it is time based, the CDs are short to medium term and they pay higher interests than the regular saving accounts. Also CDs have low returns and low risk involved.
CDs can be done by individuals by simply walking into his/her bank and pledging to have a certain amount saved for a certain period of time. The bank then pledges to pay you more interest than you would normally get on a regular savings account and a document to that effect is written signed by both parties.
CDs are insured federally and as such returns are sure.
Cheers.
In king's view, what three qualities must a movement have in order to achieve the goal of integration?
Answer:
Martin Luther King Jr. believed that in order for an integration movement to be successful, it had to be:
organized in a militant manner: members must be vigorously active supporting the causethe movement must have a mass character: must include everyone, not just some selected individualsthe movement must reject (repudiate) violenceIf a movement doesn't embrace peace, then it will generate conflict and violence. If the members are passive, there ideals will not be noticed. If the movement does not include everyone, then it will create more segregation.
The three qualities that a movement must have in order to achieve the goal of integration includes:
being non-violent.must have a militant character.must have a mass quality.Martin Luther King Jr. believed that in order for an integration movement to be successful, it had to have three qualities:
they must be organized in a militant manner.the movement must have a mass character.the movement must reject violence.Read more about integration movement
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A downhill ski area is experiencing a decline in the number of lift tickets sold, falling revenues, and inadequate profits. The average price of a lift ticket is $20 and there are 2,500 tickets sold daily on average. The estimated price elasticity of demand is 1.5 and the lifts are currently operating at an average of 75 percent of capacity. Which of the following methods is most likely to increase the ski area's revenues and profits.
A. a 10 percent increase in the average price of a lift ticket.B. an aggressive advertising campaign.C. a 10 percent increase in the average price of a lift ticket combined with an aggressive advertising campaign.D. a 10 percent decrease in the average price of a lift ticket.
Answer:
D. a 10 percent decrease in the average price of a lift ticket.
Explanation:
When Price elasticity is greater than 1, that suggests that the demand for that particular good or service is highly responsive to price or is price-sensitive . Furthermore, If price elasticity is greater than 1 then an increase in price will cause revenue to decrease.
Applying the above-stated principle to the given scenario, it has been stated that 'The estimated price elasticity of demand is 1.5.' implying that the demand for downhill ski is highly sensitive and responsive to changes in price.
Therefore, the only logical economic strategy to improve revenues will be to decrease price so that revenue can increase.
A 10 percent decrease in the average price of a lift ticket is the most likely method to increase the ski area's revenues and profits, given the price elasticity of demand of 1.5. This figure indicates that consumers are very responsive to price changes, and therefore, a price decrease is predicted to lead to increased demand and, consequentially, increased revenues and profits.
Explanation:The most likely method to increase the ski area's revenues and profits, given the price elasticity of demand of 1.5, is D. a 10 percent decrease in the average price of a lift ticket. The price elasticity of demand indicates how responsive consumers are to price changes. Given an elasticity greater than 1, consumers are considered highly responsive to price changes, meaning that a decrease in price would likely lead to an increase in demand, thereby increasing the total revenues. While aggressive advertising could help boost demand, its impact is usually less immediate and less predictable than price changes. So, option D is the most likely immediate remedy to increase revenues and profits.
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Business at Korey's Comics has been good, and Korey expects the same business next month. However, due to an increase in business, Korey has made the decision to bring on an extra hand to help run the store in the afternoons. The new employee will make $435 per month. How does this change affect Korey's monthly net income?
Answer:
ADDITIONAL REVENUE & ADDITIONAL COST
Explanation:
If Korey has made the decision to bring on an extra hand to help run the store in the afternoons and the new employee will make $435 per month; then there are 2 changes that will happen to the monthly net income
1. Increased Revenue: Since the new employee will be bringing in additional revenue of $435, then the direct impact of that is an increment in the revenue line of the income statement
2. Increased Costs: Secondly, this change will affect Korey's monthly net income in the area of cost because he has to pay the extra hand some sort of monthly salaries which will have a reducing effect on profit.
Answer:
c
Explanation:
_____ is the degree to which a company relies on a provider because of the importance of the provider's product to the company and the difficulty of finding other sources of that product.
Answer:
Supplier dependence
Explanation:
When an entity finds itself in a situation where it has to rely on a particular supplier or provider of service for its business operations, either as a result of not being able to get an alternative supplier or the importance of the suppliers product to the entity, such is called supplier dependence.
It is very risky for an entity to depend on a particular source for input. This reverse order of an entity depending on the supplier for business strategy instead of the supplier depending on the entity is not a good business practice.
It’s easy for our own strategy to be determined by what our suppliers are doing. If we become too dependent, we risk having our strategy set by our suppliers rather than having them support our strategy. I’ve been thinking a lot here recently about how much suppliers can direct you
It should be noted that supplier dependency is the degree to which a company relies on a provider.
Supplier dependency can be regarded as how how the manufacturer relies on actions of its suppliers so that some certain goals can be achieved.
This is as a result of how important provider's product to the company .
Therefore, supplier dependency is the degree to which a company relies on a provider.
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Rock Construction has current assets of $45 million, total liabilities and equity of $67 million, and sales of $59 million. How would current assets be expressed on a common-size balance sheet?
Answer:
current assets = 67%
Explanation:
given data
current assets = $45 million
total liabilities and equity = $67 million
sales = $59 million
solution
we get here current assets that is express as
current assets = [tex]\frac{current\ assets}{liability\ and\ equity}[/tex] ......................1
put here value we get current assets that express on common size balance sheet is
current assets = [tex]\frac{45}{67}[/tex] × 100
current assets = 0.6716 × 100
current assets = 67%
You are dealt two cards successively (without replacement) from a shuffled deck of 52 playing cards. Find the probability that both cards are hearts. Express your answer as a simplified fraction.
Answer:
1/17
Explanation:
There are 13 hearts in a deck of cards
first picking = 13 / 52
without replacement the number of hearts will reduce by 1 so also will the number of total card will also reduce
second picking = 12 / 51
Probability of picking two cards without replacement = 13/ 52 × 12/51 = 1/17
Gale Corporation leases the printing equipment it uses. The terms of the lease require the monthly lease payments to be made at the beginning of every month. This is an example of an annuity due.
A) True
B) False
Answer: True.
Explanation:
The statement in question is correct because an annuity due is a form of payment on a property/equipment that is paid at the beginning of a period(e.g a month/year). Annuity due is paid periodically and is always at the start of a period.
Sam, a business-owner, sought the help of a friend to find out which employees were likely to be loyal and honest if hired. The friend examined the bumps on the heads of all applicants and gave Sam a list of the employees he should hire. Sam's friend is a _______________.'
Answer: Phrenologist
Explanation: Phrenologist are individuals who studied Phrenology.phrenology The theory of Phrenology which has been widely discredited today indicates that the brain is the organ of the mind. It involves physical measurement of bumps in the human head to establish decisions of mental wellness in an individual. The concept of Phrenology could not be established from empirical research and thus widely regarded as pseudoscience today.
You are providing consulting services for a client who plans to purchase a large number of printers that can print multipart forms. Which printer type should you advise him to consider? A. Laser
B. Thermal
C. Inkjet
*D. Dot Matrix
Answer:
D. Dot Matrix
Explanation:
Dot Matrix printers are used to print multi part forms.they are also known as impact printers. Dot matrix printers consist of a hammer and and ribbon which forms dots. Dot matrix printers are better than laser printers and inkjet printers in printing multi part forms.Dot matrix printers are inexpensive but make a lot of noise. Multi part forms make use of dots and it is therefore easier to print them using dot matrix printers.
The printing of the dot matrix may not be as fine or as bright/ dark as that of the other printers. It may be light or not very clear.
Linking rewards to performance ________.
A) helps to motivate managers
B) allows companies to charge premium prices
C) should only be based on financial information
D) enhances agency costs
Answer:
Linking rewards to performance helps to motivate managers
Explanation:
Rewards helps to boost performance as it serves as motivation to do more, there are different forms on incentives that could be used to motivate employees in order to improve their performance and also allows such organization to reach their target and make more profits
You have just created the "perfect" ad. It communicates the full mix of benefits upon which the brand is differentiated and positioned. This full positioning of the brand is called ________.A) its value propositionB) target marketingC) capturing the consumers' attentionD) value profilingE) differentiated marketing
Answer:
A) its value proposition
Explanation:
A good brand value proposition should state all the benefits of your product or service since it is the promise that your brand (or company) is delivering to potential or current customers in order for them to purchase your product or service instead of the competition's.
A client with multiple myeloma presents to the emergency department complaining of excessive thirst and constipation. His family members report that he has been confused for the last day. Which laboratory value is most likely responsible for this client's symptoms?1. Platelet count 300,000/mm32. Serum calcium level 13.8 mg/dl3. Serum sodium level of 133 mEq/L4. Hemoglobin of 9.8 g/dl
Answer:
2. Serum calcium level 13.8 mg/dl
Explanation:
Based on the information provided that the client has multiple myeloma and also experiences immoderate thirst and constipation, there is the possibility of serum calcium in his system. This is because a serum calcium level of 13.8 mg/dl is known to cause several medical conditions such as immoderate taste, dehydration, confusion, and constipation.
true or false because cash transactions occur more frequently than ither transactions the chances for making recording errors affecting cash are less______________.
Answer:
False
Explanation:
Cash transaction is a business transaction where customers pay cash immediately for goods purchase, as opposed to other types of transaction where cash payment is delayed to a future agreed date. example of other transactions that are not cash are, credit sales, forward contract, future contract e.t.c.
The more the cash transactions, the more the probability of making recording errors as one will be overwhelmed by the volume of cash which involves counting, receipting and recording.
In the Scrum method, during which As a manager, you want to praise a team member, Phil, for doing a good job on a particular project. However, you know he tends to be an introvert. Which communication method would Phil be most comfortable with_______.
Answer:
One On One Approach
Explanation:
Phil being an introvert, the best approach is to call him in to a pivate meeting and appriciate his work and effort towards the team.
Jake serves on a committee of employees who were charged with selecting three co-workers to honor at the holiday banquet. One employee whose name was at the top of everybody's list was instrumental in helping another employee who failed to wear his protective headgear to avoid suffering a serious head injury. Although this was a noble act, Jake knew that the hero was frequently negligent about wearing his own headgear. Jake knew that several other employees followed strict company policy every day and always wore their headgear; yet, they were not being acknowledged for their compliance. According to Norman Vincent Peale, which of the following questions should Jake refer to as he proceeds to make an ethical decision?
a) Is the action I am proposing to take something the boss would like to promote among workers?b) How does the action I am proposing to take make me feel about myself?c) Does the action I am about to take follow universal business practices?d) How can my decision help elevate my own status within the firm?
Answer:
B) How does the action I am proposing to take make me feel about myself?
Explanation:
According to Norman Peale (the ideologist of positive thinking), decisions that affect or solve ethical dilemmas should be evaluated against three questions:
My decision will follow the law and the company's policies? Is the decision balanced and fair? How does this decision made make me feel about myself?The seller and buyer have countered back and forth for several days. The two parties have verbally agreed on a price, but neither has signed anything. At this point the status of this negotiation is?
Answer:
Bargaining (Problem solving)
Explanation:
the bargaining stage of negotiation is the stage where both parties are clarifying goals. the stage to come to a final agreement after several compromising aspect.
this is can also be called "the heart of negotiation". A process where both party reach a concession after a long process of negotiation.
Organization psychology studies _________. a. the principles of selecting and evaluating workers studies b. how work environments and management styles influence worker c. motivation involves setting standards, organizing work, and focusing on goals d. involves mediating conflicts and building high achieving teams e. involves evaluating work performa
Answer:
B. how work environments and management styles influence workers
Explanation:
Organizational psychology, also known as I-O psychology refers to the use of psychological theories to analyze an organization. It could also be said to refer to the study of how relationships between workers affects those workers and subsequently the organization.
It involves observing the mental, physical, etc health of workers and how it affects them and their relationship with other workers and also how it helps them to perform their organizational obligations.
I hope this helps.
Bankers who are processing loan applications from companies seeking large loans will probably ask for financial statements audited by an independent CPA because________________
Answer:
they believe that independent opinion expressed by an independent auditor on such a financial statement is more reliable than financial statement not from such a source due to potential conflict of interest.
Explanation:
The financial statement audited by an independent CPA is more reliable than the ones audited by a non-independent CPA. This is so because of the statutory responsibilities of the independent CPA.
The non-independent CPA is under the control of the management but the independent CPA is not responsible to the management but the shareholders.
Courts use a __________ to determine whether a prudent mortgage loan originator exercised his or her due diligence in a loan transaction?
Answer:
Courts use a federal consumer financial law and procedures to determine whether a prudent mortgage loan originator exercised his or her due diligence in a loan transaction.
Suppose that Marie is buying bananas. She decides that she would like to purchase three bananas at the price of $0.25 per banana, but not a fourth banana. Which of the five foundations of economics best describes Marie’s thinking?
Answer:
Marginal Thinking
Explanation:
The economic principle of marginal thinking means that rational people (people who act in a way that maximizes their personal well-being) think and take decisions at the margin.
From the concept of marginal thinking, we derive concepts such as marginal utility, which is the extra benefit that a person obtains from the consumption of one extra unit of a good, and marginal cost, which is the extra cost a person must pay from the consumption of one more unit of a good.
If the marginal cost is higher than the marginal benefit, a rational person decides not to consume the good.
Marie is affected by marginal utility and marginal cost because while she considers that three bananas for $0.25 is a deal that benefits her, a fourth banana would represent a marginal utility that is less than the marginal cost, thus, she decides not to buy the fourth banana.
This marketing strategy involves marketing products that are similar to ones already on the market and are in-line with cultural norms, thereby minimizing resistance. The reference is to:_________a. flank attackb. cultural congruencec. guerilla marketingd. lateral marketinge. culture equalization
Answer:
B, Cultural congruence
Explanation:
Cultural congruence is a kind of marketing technique/strategy in which a new product with similar characteristics as with the currently existing product is marketed. This technique of marketing helps to reduce resistance as consumers see the new product as the same as the existing product.
I hope this helps.
JT Engineering originally paid $10,000 for a machine and recorded depreciation at a rate of $1,000 per year for five years. They sold the machine in the middle of the sixth year for $6,000. What is JT’s amount of loss or gain on the sale?
Answer: $1,500
Explanation:
The net book value of the machine on the sale date is $ 4,500.
This is by adding the depreciation for the half year in the sixth year of $ 500.
So the total depreciation is $ 5,500. The net book value is thus $ 4,500 (Cost $ 10,000 minus Total Depreciation $ 5,500).
The gain is Sales Price $ 6,000 minus Net Book Value $ 4,500 is $ 1,500.
Above-average returns are returns in excess of what an investor expects to earn from other investments with a similar amount of risk.
A. True
B. False
Answer:
The answer is True because above average returns are returns in excess of what an investor expects to earn from other investments with a similar amount of risk.
Above-average returns are returns that exceed an investor's expectations for other investments with similar risk levels.
Explanation:Above-average returns refer to returns that are higher than what an investor expects to earn from other investments with a similar amount of risk.
For example, if an investor expects to earn a 5% return on a particular investment, but ends up earning 8%, the 3% difference would be considered an above-average return.
Above-average returns indicate that an investment has performed better than expected, potentially resulting in higher profits for the investor.
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Suppose a competitive industry faces an increase in demand (i.e., the demand curve shifts upward).
1. What are the steps by which a competitive market ensures increased output?
2. Will your answer change if the government imposes a price ceiling?
3. If demand increases, then output will increase with competition because:________.
Answer:
Answer for questions 1 and 3:
If the total demand for a product increases, the demand curve will shift to the right, which will result in a price increase at every quantity demanded. Since the price of the product will increase, the suppliers will be making a higher economic profit. this in turn will make existing firms increase their total output, and other firms enter the market and start their own production. You must remember that on a competitive market with no entry barriers, the competing firms have $0 economic profit (not the same as accounting profit).
Answer for question 2:
If the government imposes a price ceiling and it is lower than equilibrium quantity, then the firms' profits will decrease, which in turn will reduce their incentive to increase their output and it will also decrease the number of new firms entering the market. This will produce a deadweight loss resulting from a shortage of products that which will negatively affect customers.
Raven has successfully added her location to Google My Business. She knows she has options for verification, including use of a phone call or e-mail. How else can she verify her location?
A. With a downloaded mobile app.B. With a state-issued business license.C. With a visit to a local Google office.D. With a postcard delivered by mail.
Answer: With a postcard delivered by mail.
Explanation:
The best way Raven can verify her business address displayed on the internet, is for her to ask someone to check the internet for her company address and send a post card to her company address via mail. Postal cards are mails that are sent to an address without envelopes.
As she has options for verification including use of a phone call or e-mail, she can verify her location with a postcard delivered by mail. The Option D.
How will the postcard delivery verify her location?When she chooses this method, Go/ogle will send a physical postcard to the address she provided during the verification process. This postcard typically contains a verification code. Once Raven receives the postcard, she can log back into her Go/ogle My Business account and enter the verification code to confirm her location.
This method ensures that the business's physical address is accurate and helps maintain the integrity of Go/ogle's business listings. It is a reliable way to verify the legitimacy of a business's location on the platform.
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People use _____ to determine how many hours to work, and businesses use _____ to determine how much of their product they are willing to supply to the market.
a) marginal analysis; marginal analysis
b) production efficiency; marginal analysis
c) marginal analysis; allocative efficiency
d) allocative efficiency; production efficiency
Answer:
a) marginal analysis; marginal analysis
Explanation:
People use marginal analysis to determine how many hours to work, and businesses use marginal analysis to determine how much of their product they are willing to supply to the market.
Marginal analysis is the analysis or examination of profit or benefit realized by the business by adding extra cost in the similar activity or producing extra unit of goods and services. It helps the management to take decision on quatity of product to be produced and used as base for quantitive financial analysis.
People use marginal analysis to determine how many hours to work to get maximum benefits.
The correct answer is (a) marginal analysis; marginal analysis. Both individuals and businesses use marginal analysis to make decisions regarding labor and production, aiming to maximize the benefits while minimizing the costs.
People use marginal analysis to determine how many hours to work, and businesses use marginal analysis to determine how much of their product they are willing to supply to the market. Therefore, the correct answer to the question is option (a) marginal analysis; marginal analysis.
Marginal analysis is the consideration of the additional benefits and costs of a decision when trying to decide whether to do a bit more or a bit less of an activity. Workers use marginal analysis when deciding how many extra hours to work, based on the additional income earned as opposed to the additional cost in terms of labor and reduced leisure time. Similarly, firms apply marginal analysis to determine the combination of labor and capital that maximizes profitability—looking at the marginal cost versus the marginal benefit of producing more goods or services.
Illustrating Free-Market Equilibrium and Efficient Production
In economics, the free-market equilibrium is illustrated by the intersection of supply and demand where neither surplus nor shortage occurs, and the efficient level of production is where price equals marginal cost (P = MC), indicating allocative efficiency.
what is the process that determines what is needed, how to collect it, analyze it, and use it for effective market planning?
a) controlb) marketing information systemc) ansoff matrixd) SMART goals
Answer:
b) marketing information system
Explanation:
A marketing information system (MIS) is a system used to collect data (structure, equipment, procedures and people) into a coherent format using methods to interprete, sort, analyse and evaluate the information in order to improve the marketing planning.
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"Stores that provide moderate sales assistance because they carry shopping goods about which customers need a moderate level of information are called ________."
Answer:
limited-service retailers
Taylor Industries stock is selling for $26 a share. You would like to purchase as many shares of this stock as you can. Your margin account currently has available cash of $4,700 and the initial margin requirement is 60 percent. What is the maximum number of shares you can buy?
A. 193 shares
B. 287 shares
C. 301 shares
D. 360 shares
E. 408 shares
The maximum number of shares that we can buy is 301 shares.
Option C
Explanation:
margin account is the one that allows us to purchase a greater notional value of securities than the account's cash value.
Here, the margin account currently has available cash is $4700.
Maximum purchase can be calculated by dividing the margin account value divided by initial margin requirement.
Therefore, maximum purchase = $4,700/.6 = $7,833.33
Cost of one share is $26.
Maximum number of shares = $7,833.33/$26 = 301.269 which is approximately 301 shares, rounded down to the last full share.
The evidence on the supply curve of financial capital is controversial, but at least in the short run, the elasticity of savings with respect to the interest rate appears to be __________.A) elasticB) inelasticC) perfectly elasticD) negative
Answer:
A) Elastic
Explanation:
The evidence on the supply curve of financial capital is controversial, but at least in the short run, the elasticity of savings with respect to the interest rate appears to be elastic
Elasticity is when change in a given factor triggers a big reaction in the other variable under consideration. Interest rates are elastic in relationship to savings which explains why in macroeconomics, one of the ways to trigger savings and reduce money in circulation is by increasing interest rates.
When interest rates are high, savings are high although it cannot be said that the relationship is perfectly elastic because even with drop in interest rates people still save but not as much.
In the short run, the elasticity of savings with respect to the interest rate appears to be elastic.
Explanation:The evidence on the supply curve of financial capital is controversial, but in the short run, the elasticity of savings with respect to the interest rate appears to be elastic. When savings are highly responsive to changes in the interest rate, it indicates a high elasticity, meaning that a small change in the interest rate leads to a proportionately larger change in savings. This can be demonstrated by a steep flatter supply curve.
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