The credit union are better than a credit card it depends on everyone's opinion.
What is credit union?Credit unions is a nonprofit organizations that give the member access to borrow from deposit pool at lower interest rates than conventional credit card.
There are some pros and contra about credit union, the pros is:
Reassessment of your application, the conventional bank will not consider you again if your application for credit card is denies. But, the credit union will reassessment your application.Lower rates and fees, because it from member and nonprofit organization, the credit union will provide lower rates and fees than conventional bank.Access to other financial product, credit union is like a bank will offer different thing of financial product.Then, the contras is:
Membership eligibility criteria, most of credit union have limitation surrounding for who may become member of credit union.Cross-collateralization, cross-collateralization refers to linking all your credit accounts from a single credit union. Absence of 24/7 customers service, most of credit union only provide the phone customer service during work hours on working days.Thus, the everyone have opinion who is better credit union or credit card.
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A _________ is a framework to relate the market segments of potential buyers to products offered or potential marketing actions
A market-product grid serves as a framework for connecting different market segments of potential customers with the products being sold or future marketing initiatives.
People who are gathered together for marketing purposes are referred to as market segments. Market segments are subsets of a broader market that frequently group people together based on one or more shared traits. Market segments are subgroups of the total market for a company that are determined by things like consumer interests, demography, demands, and behaviors, among other things. Businesses can break down their overall audience into smaller, more manageable groups by segmenting their market. determining the market based on their needs and desires. Examine their usage patterns, preferences, way of life, and demographic information. Keep in mind the market's growth potential as well as your competitors' possible risks to your business.
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The provision in a contract with a property seller that gives additional authority to the broker and obligates the broker to alert other brokers to the availability of the property is?
The provision in a contract with a property seller that gives additional authority to the broker and obligates the broker to alert other brokers to the availability of the property is multiple listing clause.
Real estate brokers provide a service called multiple listing. A multiple listing service is a database that brokers collaborate to develop with all the properties that are up for sale (MLS). Brokers may view the properties up for sale in each of their localities thanks to the MLS.
By sharing information, the MLS arrangement enables brokers to list and sell properties, resulting in split commissions. The database, which may be a physical or digital database, is regularly updated. The database cannot be trademarked or branded because each broker in the arrangement has a copy of it.
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What are the 3 major sustainability issues?
The list of environmental problems is endless, but there are three main ones that have the most impact on all of them: loss of biodiversity, water pollution, and ocean acidification.
It is challenging to come to consensus on specific definitions of sustainability, which have changed over time and in the literature. Three dimensions (or pillars) are frequently used to characterize sustainability: environmental, economic, and social.
According to a number of publications, the environmental dimension, and, in common parlance, "sustainability," are frequently centered on addressing pressing environmental issues like climate change, biodiversity loss, ecosystem services loss, land degradation, and air and water pollution.
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What are the characteristics of a causal relationship?
The six key elements of causality, according to our theory, are time order, co-occurrence, previous causation, sufficiency, interaction, and change.
What qualifies as a defining feature of causation relationships?
When describing causality, if/then statements are frequently used: If X occurs, then Y will follow. The researcher must discover more than just a correlation or association between two or more variables in order to prove a causal relationship.What qualifies as a causal research characteristic?
The essential traits of causal research include the following: In summary, research is organized in terms of planning, design, and quantitative character. Scientific: Compared to exploratory or descriptive research, causal research is more scientific due to its two goals.
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What is one of the main reasons a company would issue a stock dividend?
The one of the main reasons a company would issue a stock dividend is to keep corporation's cash.
What is stock dividend?Stock dividend is a type of dividend that consisting of additional stock. The company will distribute the dividend in stock instead of cash, this will make stock in every investor and market increase.
There are many reason for company to issue a stock dividend, some of them is:
To keep corporation's cash from distributing it to the stockholders.To reduce the market price per share because the price is still same but the stock is increased.To increase the number of shares of stock outstanding.To transfer the company retained earning to paid-in capital.Learn more about stock dividend here:
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What is relationship in data processing?
Relationships between tables were associations which are made utilizing join expressions to retrieve data.
When both relational database tables have a foreign key that refers to the unique identifier of the other table, this is referred to represent a relationship within the context of databases.
Database systems can divide as well as store data in several tables using relationships, which link dissimilar data objects.
Relational databases were built on relationships. Users can execute database queries to obtain results that aggregate information from various tables into a separate table. For instance, if you run a record shop, the database might include tables for artists, song names, and albums.
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1. Core competencies are derived from the combination of 1. export barriers, trade barriers, and credit barriers faced recently by the company. (A) 2. knowledge brought in by new graduates and the mentoring they receive from existing employees.(B) 3. key strategic resources and a firm’s capabilities. (C) 4. tax policy changes driven by federal programs and R&D grants at the state level. (D)
The combination of "key strategic resources and a firm’s capabilities" resulted in core competencies. Hence, the correct answer is C.
Core competencies are derived from the combination of key strategic resources and a firm's capabilities. Key strategic resources include the physical, financial, human, and intangible resources that an organization has at its disposal. These resources can include things like technology, intellectual property, production facilities, and financial capital.
A firm's capabilities refer to the collective knowledge, skills, and abilities of the organization's employees, as well as the internal business processes that the organization relies on to produce goods and services. By combining these key strategic resources and capabilities, an organization can develop unique strengths and capabilities that allow it to differentiate itself from its competitors and provide value to its customers. These unique strengths and capabilities are known as "core competencies".
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in the market for reserves, when the federal funds rate is above the interest rate paid on excess reserves, the demand curve for reserves is
In the market for reserves, when the federal funds rate is above the interest rate paid on excess reserves, the demand curve for reserves is negatively sloped.
The Fed anticipates that as expectations of net deposit outflows rise or fall, the demand curve for reserves will shift right or left as a result of the influence of bank liquidity management activities. The demand curve for reserves becomes perfectly elastic at the interest rate paid by the Fed on banks' reserve balances.
Why is there a downward slope in the demand curve for reserves?The interest bend inclines down to catch the possibility that as the expense of acquiring diminishes, banks will get more assets to expand their property of stores. Because only the Fed can supply reserves, the supply curve is vertical.
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Full Question = In the market for reserves, when the federal funds rate is above the interest rate paid on excess reserves, the demand curve for reserves is _____.
a) vertical.
b) horizontal.
c) positively sloped.
d) negatively sloped.
What are 3 important factors to consider when trying to choose between two different savings account options?
The three important factors to consider when trying to choose between two different savings account options are interest rate, fees, and accessibility.
Interest rate is important because it determines how much you can earn on your savings. The higher the interest rate, the more you’ll earn on your savings.
Fees vary from account to account, so it's important to look for one with the lowest possible fees.
Finally, accessibility is important because you want to make sure you have easy access to your savings when you need it. From online banking to ATM access, some accounts may offer more options than others.
By taking these three factors into account, you can make an informed decision to choose the best savings account for you.
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Can the IRS make you homeless?
The Internal Revenue Service is the government's tax collection organization, and it also oversees the Internal Revenue Code, which was passed by Congress.
What raises red flags with the IRS?Although they must collect the amount, the IRS does not want to put individuals out on the street. They might advise you to sell your house to pay off your debt, or they might end up seizing it if they believe that's the only way to get paid.
The Internal Revenue Service is the government's tax collection organization, and it also oversees the Internal Revenue Code, which was passed by Congress.
Actually, the IRS is legally permitted to seize a taxpayer's home in order to pay off tax bills.
For the IRS to do so, though, would be rather challenging. As a result, when seeking to seize homes to satisfy tax debts, the IRS often adopts a very severe policy.
Although the likelihood of an audit is low, there are a number of reasons why your return could be questioned and result in an IRS notification, according to tax experts.
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I will abide by the laws, rules, and regulations of my community, school, work, and country. I will conduct myself with integrity, fidelity, and honesty. I will openly take responsibility for my actions, and only make agreements, which I intend to keep.
The given statement is an example of Ethical Statement which is the foundation of every organization. A code of ethics is a legal document that outlines an organization's values and the ethical standards it expects its employees to follow.
Ethics is the foundation of any organization. If they are clear, stable and diligently maintained, our morals can support good work.
Ethics represent our core values that are defined as the principles we believe in, the values we pursue, and the actions we take. Consistent adherence to ethical standards only benefits those we serve, those we are responsible for, and ourselves. While the results of our work efforts are always important, ethics focuses on the choices we make in our work.
Our ethics include: Justice Respect Diligence Trust worthiness Decision making Knowledge Adhere to a high standard of personal conduct, practicing integrity in all our work and work relationships. Be honest in our words and messages. Let our decisions and achievements be based on the betterment of the University and not on personal advantage. Avoid the appearance or appearance of a conflict of interest by adhering to the high standards of the University's Conflict of Interest Policy or the Additional, Dual, and Secondary Employment Policy. Be diligent and fair in protecting University resources. Use fairness, justice, and objectivity to guide decisions.
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Complete question:"I will abide by the laws, rules, and regulations of my community, school, work, and country. I will conduct myself with integrity, fidelity, and honesty. I will openly take responsibility for my actions, and only make agreements, which I intend to keep". The given statement is an example of?
Management can make an immediate impact on the quality of operations through: __________
A: A Good Relationship With Guests
B: Retaining Employees
C: Staff Recognition
Management can make an immediate impact on the quality of operations through: C. Staff Recognition.
What is Staff Recognition?Staff Recognition can be defined as the way in which a staff of a company is been recognized for been productive or for the positive impact of the staff.
When a staff is recognized at a workplace it can tend to motivate the staff to continue putting in all their best when given a tasks and it can as well help to increase the job performance of the staff.
Therefore the correct option is C.
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QUESTION 11 1. In a 360-degree feedback assessment strategy. C low morale is likely to result, even if the assessment is well planned. C team members discuss each other's strengths and weaknesses together. C employees are required to self-disclose. C the feedback is generally anonymous. QUESTION 12 1. Jin opens her meeting presentation by saying,"Hello, I'm jin, and I will be talking with you about doing business in the country I was raised in, South Korea. I miss living in Seoul and often wish I could move back. but I enjoy sharing my culture with others here in the United States. You might be surprised to learn that Koreans like to entertain and be entertained." Jin used self-disclosure by saying "Hello. I'm jin, and I will be talking with you about doing business in the country I was raised in, South Korea." C"I miss living in Seoul and often wish I could move back..." "You might be surprised to learn that Koreans like to entertain and be entertained.' CAll of these sentences demonstrate self-disclosure.
A 360-degree feedback system or process allows employees to receive private, anonymous feedback from those who work with them. Peers, direct reports, and the employee's manager are usually included.
What is the goal of a 360 review?During a 360-degree review, an employee's coworkers, superiors, colleagues, and customers can all provide a variety of feedback regarding their performance. A 360-degree review's objective is to assess an employee's productivity and performance in order to support their professional growth.
A 360-degree assessment is a performance management tool designed to provide employees with a variety of perspectives on their work performance and potential improvement areas. A 360-degree evaluation involves gathering opinions from those who the subject of the review works with.
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What are the 3 main categories of usage limits in QuickBooks Online?
The 3 main categories of usage limits in QuickBooks Online is that, billable users, classes, and chart of accounts.
Usage limits in QuickBooks Online are considered to be the maximum number of things, like the accounts or users, which you can have at one time in QuickBooks.
However, this tends to depend on your subscription, which one may have a specific usage limit. So, then these limits apply to how many billable users, classes, chart of accounts, locations, and tags you can add to QuickBooks.
Hence, only active users, classes, the accounts, locations, and tags, tend to count toward the limit in each category.
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Companies are easier to manager if they are divided into _____ units.
Companies are easier to manage if they are divided into smaller units.
Smaller units within a company can be easier to manage because they allow for more focused attention on specific areas of the business. For example, dividing a company into smaller units based on product line or geographic region can allow managers to better understand each unit's specific needs and challenges and provide targeted support and resources.
In addition, smaller units may be more agile and respond more quickly to market or business environment changes. However, there are potential drawbacks to dividing a company into smaller units. For example, managing multiple units can be more complex and may require more resources, with additional costs associated with coordinating and integrating activities of different units. Thus, the decision to divide a company into smaller units should be carefully considered and based on a thorough analysis of the potential benefits and drawbacks.
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Denise's current approach to employee compensation is to
O Pay all employees above-average wages
O Rank jobs in a pay hierarchy
O Pay employees based on individual performance
O Have little variation among employees' pay
Option C, Pay employees based on individual performance. With job-based pay, an employee's compensation is determined by the position that someone occupies.
The pay rate or pay range for a particular job may depend on the level of expertise and knowledge necessary to complete the job, its significance to the business, and other factors. Instead of supporting continuing employee learning that enables businesses to adapt, this compensation structure frequently goes hand in hand with centralized decision-making. Performance-based pay is based on an employee's most recent contributions to the company, whereas skill-based pay is determined by an individual's potential to make contributions regardless of the position they are now holding. Merit-based pay is a subset of performance-based pay in which management determines whether to raise an employee's basic compensation in light of past performance over the course of a year, for example.
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What are the five kinds of taxes?
All taxes may be broken down into three categories: taxes on your purchases, taxes on your income, and taxes on your assets. When purchasing the majority of products and services, consumers must pay sales taxes.
How do taxes work?Taxes are compulsory contributions that a government agency, whether local, regional, or federal, imposes on people or businesses. Public goods and services like roads and schools, as well as government programs like Social Security and Medicare, are funded by taxes.
What are taxes used for?The primary means through which nations earn public revenues, which enable them to finance investments in infrastructure, human capital, and the delivery of services for residents and enterprises, is through the collection of taxes and levies.
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When conducting an evaluation, it is not good practice to provide on-site feedback as you uncover information that could benefit the agencies’ work during the study.
It is not a good idea to give feedback on the spot during an evaluation even though you may learn something that will help the agency' work. This statement is true.
The main objectives of programme evaluation are to attempt to build a theory and add to the body of knowledge in the field that will help the agency' work.
The degree of the researcher's confidence is a crucial consideration when choosing the sample size.
By tracking progress toward the program's outcomes or outcome targets, outcome/effectiveness evaluation gauges the program's effects on the target population.
interpreting the results of a small sample too broadly and declaring that your programme is having the desired impact. With the advent of managed care and service authorization in the 1980s and 1990s, a focus on customer satisfaction emerged.
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What are some of the internal influences limiting flexibility?
The internal influences limiting flexibility are psychological factors, age, habits, limitations etc.
A person's joint mobility is a measure of their flexibility. More flexibility may exist in some joints than others. The flexibility can be increased by regular exercise and other kinds of stretching. The internal influences limiting flexibility are -
Psychological factors: A person's capacity for flexibility may be impacted by stress, anxiety, and other mental health conditions. For instance, someone who is fearful of trying a new activity may be less receptive to novel concepts or sensations.
Physical restrictions: Some people may struggle to be flexible due to their physical health. For instance, a person with persistent back discomfort could find it challenging to stretch or bend.
Lack of expertise: Someone may be less adaptable in a certain area if they lack expertise in that field. For instance, a person who is unfamiliar with a certain software package might be less adaptable to it.
Habits and routines: Individuals who are accustomed to a regular schedule may be less willing to try new things or adjust to change.
Age: As the body becomes older, its muscles and joints tend to become less flexible.
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How do you respond to a delayed customer?
Greetings, [Client Name] We deeply regret the delay in delivery. As a result of what happened, [explain why delivery took so long. This will be taken care of in the following manner — [Explain how you'll prevent further delivery delays].
What kind of example of a late delivery would you provide a customer?We apologize sincerely for any inconvenience our late delivery of the items you ordered caused. Errors in the production department are to blame for this annoyance. A significant increase in unforeseen orders this month has also added to the delay.
How may you express your sincere regret for the delay in responding?Here are 5 phrases you might use to apologize for your delayed response in your next letter.
I'm sorry it took me so long to respond.I'm sorry for taking so long to reply.I apologise for the delayed reply.I regret not getting back to you sooner.For making you wait, I apologize.Learn more about delay in delivery: https://brainly.com/question/29555753
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Are protectionist tariffs good?
A government can impose protectionist policies through a variety of measures, including tariffs, import quotas, product standards, and subsidies.
Do protective tariffs work well?In the past, protective tariffs have been used to boost economies in nations suffering from depression or recession. Emerging sectors in underdeveloped countries may benefit from protectionism. It can also be used to encourage defense industry self-sufficiency.
Why are protectionist measures beneficial?A protectionist trade policy enables a country's government to promote domestic producers and thereby boost domestic production of goods and services by adopting tariffs or other trade restrictions.
We argue that, despite potentially lowering territorial pollutant emissions, protectionism reduces environmental efficiency, which is counterproductive to the sustainable growth of emerging nations.
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Who is responsible for global trade?
In 1995, the World Trade Organization was established. The WTO, one of the more recent international organizations, replaced the General Agreement on Tariffs and Trade (GATT)
What does "global trade" mean?
Global trade, which consists of the total imports and exports of each participating country, is the exchange of products or services between nations. It is subject to supply and demand law (with sporadic government intervention) and depends on that law to establish the selling price of each good or service.
Why is global commerce so crucial?
The greatest economy in the world as well as the biggest exporter and importer of goods and services is the United States. America's prosperity depends on trade, which drives economic growth and promotes good governance.
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The Jack Welch Management Institute reports that:a.more than one-half of working adults have suffered under a bad boss at some point in their career.b.formal education is highly unlikely to develop the most-cited qualities people want in their leaders.c.importance of good leadership and job performance are mutually exclusive.d.the weakest link in business, industry, and government is the skills of employees.
More than half of working individuals have experienced negative manager treatment at some point in their careers, according to the Jack Welch Management Institute.
The Jack Welch Management Institute's goal is to change students' lives by giving them the skills necessary to develop into stronger leaders, construct winning teams, and support their businesses.
Strategic Education, Inc. is the owner of Strayer University's Jack Welch Management Institute (JWMI), a for-profit online learning organization situated in the United States. Former General Electric CEO Jack Welch and his wife, novelist and public speaker Suzy Welch, launched it in 2009. For adults in the workforce, WMI provides an online executive Master of Business Administration degree, graduate certificates, and executive certifications.
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Consumer Behavior
Choosing a Nursing Program
Activity Description
In this activity, you will play the role of an employee at the local hospital who realizes you aren't on the long-term career path you want. After deciding the nursing field is something you are interested in, you have to figure out what college would be the best fit. Gabby and your coworker, Joe, will help guide you along your decision-making path.
The estimated time to complete the activity is 10-15 minutes. You should start when you have enough time to think through the scenario critically. However, if you need to exit the activity before completion, you will return to where you left off when you re-enter.
Learning Objectives
After completing the activity, you will be able to:
Identify key terminology related to consumer behaviour. (15% of overall score)
Identify the effects of influences on consumer behaviour. (25% of overall score)
Describe the stages in the consumer purchase decision process. (25% of overall score)
Apply the steps in the consumer purchase decision process to determine the best decision. (35% of overall score)
Evaluation and Scoring
You will be asked to respond to various questions as you complete the activity, and your responses may impact both your score and what happens next.
You will not have the ability to go back and change your answer, so consider each answer option carefully.
Scoring is calculated as follows:
Points are received based on the answer you select for each question, and questions are tied to multiple scoring categories associated with the learning objectives.
Your scores for each category are based on the total number of points you earn for the associated questions.
You will receive one final activity score at the end of the activity that combines your results from each category.
Your instructor has assigned a total point value for this assignment. Your assignment grade is calculated based on the final percentage score you earn at the end of the activity.
In order to better prepare for admission to medical school, I intend to earn a degree in pre-professional biology.
Why is it important to learn about nursing?For healthcare systems to operate effectively, nurses are crucial. They support patients who are experiencing physical and emotional pain, assist in administering medications and treatments, and can offer consolation to worried loved ones and families.
In addition to Florida, the University of Florida is regarded as a top university across the nation. My path to medical school would be greatly aided by earning a degree at the University of Florida by enrolling in top-notch courses. In this setting, I would also be able to develop deep relationships with other students who share my objectives. For those of us who want to advance in the medical field, making these connections may open up more opportunities.
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an example of the opportunity cost of the war against terrorism
The night before an exam, a student goes to the movies for three hours and spends $20. Time spent studying and money used for other purposes are the opportunity costs. Wheat is planted by a farmer; Planting a different crop or making a different use of the resources (land and farm equipment) is an example of the opportunity cost.
How much does terrorism cost the economy?Terrorism's economic impact in 2018 is estimated at $US 33 billion, according to this paper. Terrorism cost the world economy $855 billion between 2000 and 2018.
Which examples of opportunity costs must a government take into account?Not getting a new car has the opportunity cost of going on a vacation instead of spending the money on one. At the point when the public authority burns through $15 billion on premium for the public obligation, the open door cost is the projects the cash could have been spent on, similar to training or medical care.
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steve's shelving and storage has a high inventory turnover ratio because steve frequently sells and replaces his inventory over the course of a year. what might this scenario indicate?
A higher inventory turnover ratio indicates low levels of productivity or higher efficiency.
Give a brief account on Inventory turnover.The inventory of a company is among its most crucial components. The time it takes to turn inventory into cash has an impact on performance, thus businesses must be able to monitor this process. Inventory turnover is a metric that businesses use to gauge their performance over time and in comparison to other businesses in the same sector. Changes can be made to increase productivity and profitability if they understand how their industry stacks up against others and how long things take to sell. How quickly a company sells its goods over a given period of time is known as inventory turnover. Inventory turnover most frequently refers to an annual rate of turnover, though it is possible to quantify how quickly this occurs in a day, week, or month.
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How do import quotas help the economy?
Governmental restrictions on the amount of a specific good that may be imported into a nation are known as import quotas.
Import quotas: How do they benefit the economy?Nations utilize quotas in international trade to regulate the volume of trade that takes place between them and other countries. Nations occasionally put quotas on specific products to lower imports and increase indigenous production. The purpose of quotas is to boost domestic output by reducing foreign competition.
Who stands to gain from a good import quota?Governmental restrictions on the amount of a specific good that may be imported into a nation are known as import quotas. These limitations are frequently established to safeguard indigenous sectors and weaker producers.
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A tariff differs from a quota in that a tariff is?
A tariff differs from a quota in that a tariff is a tax imposed on imports, whereas a quota is an absolute limit to the number of units of a good that can be imported.
What are Trade restrictions?Generally, a trade restriction meas the various barriers that make the flow of goods and services between countries immobile, but If the barriers come from government policies, we call it trade protection.
A trade restrictions affect the demand for and supply of goods and services on international markets but a trade protection prevents market forces from operating freely to determine the equilibrium quantity and price. In conclusion, a trade protection results in an inefficient allocation of resources on a global scale.
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alvin induces beth to enter into a contract for the purchase of a chef's burger restaurant. alvin knowingly misrepresents a number of material features about the restaurant and the business. when beth discovers the truth, she can rescind the contract on the basis of:
When Beth learns the truth, she has the right to cancel the agreement due to fraudulent misrepresentation. As a result, choice (B) is the appropriate approach.
What is fraudulent misrepresentation?In contract law, fraudulent misrepresentation is a civil tort. A contract is induced into being entered into by a false statement of fact.
Fraudulent misrepresentation is when a false statement is made intentionally, recklessly, or without the belief that it is true. A representation made carelessly and in violation of the obligation owed by Party A to Party B to take reasonable care to ensure the representation is correct is referred to as negligent misrepresentation.
Hence, option (B) is accurate.
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Your question is incomplete, probably the complete question is-
Alvin induces Beth to enter into a contract for the purchase of a Chef's Burger restaurant. Alvin knowingly misrepresents a number of material features about the restaurant and the business. When Beth discovers the truth, she can rescind the contract on the basis of
A. mistake.
B. fraudulent misrepresentation.
C. none of the choices.
D undue influence.
A Moving to another question will save this response. Question 2 XYZ Corp. has to change their online ordering system to compete with ABC Corp. They are changing their business process with a
O A. change in technology
O B. change in product line
O C. change in business fundamentals
O D. company reorganization
O E. request to improve process quality A Moving to another question will save this response.
As the XYZ Corp. is changing their online ordering system, they are changing this business process with a A. change in technology.
In the field of business, a technological change can be described as a change in any of the technology that was previously being used by a company and replacing it with a better one to keep up to date with modern trends or to create more reliability for the customers.
In the scenario mentioned in the question, the technology of the online ordering system is being changed due to another competing company using a better technology for the online ordering system. Hence, in the above case, a change in technology is being observed.
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