Whole lifestyles insurance ensures payment of a dying benefit to beneficiaries in trade for level, regularly-due premium payments.
The coverage consists of a financial savings portion, referred to as the “cash value,” alongside the loss of life benefit. In the savings component, activity may accumulate on a tax-deferred basis.
What are the dangers of a total life insurance plan policy?Cons of Whole Life Insurance
Whole existence is tons more highly-priced than term life and normally more pricey than established lifestyles insurance. Whole lifestyles is a long-term investment, and it can take years to build up your cash value.
Whole lifestyles insurance plan builds money value, gives permanent coverage, and can assist construct your family's wealth over the lengthy term. These policies also offer greater ensures than other sorts of coverage, making them an choice to reflect onconsideration on for many people.
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https://brainly.com/question/30048613#SPJ4inga buys a new car by getting a loan from a bank. if she fails to pay back the loan, the bank will claim the car. in this scenario, the car represents
Inga has bought a new car by getting a loan from a bank. If she fails to pay back the loan, the bank will claim the car. In this scenario, the car represents collateral.
A valuable asset that a borrower promises as collateral for a loan is known as collateral in the financial industry. The house is used as collateral for the loan when a home buyer gets a mortgage. The automobile is the security for a car loan.
When a company seeks bank funding, it may use valuable assets like real estate or equipment as collateral for the loan. Physical assets like a car or house might serve as collateral. Or it might be a financial asset like cash or investments.
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A microhedge is a
A. hedge of a particular asset or liability.
B. hedge against a change in a particular macro variable.
C. hedge of an entire balance sheet.
D. hedge using options.
E. hedge without basis risk.
a
Option (a) is correct. A micro hedge is a hedge of a particular asset or liability.
A micro-hedge is an investment technique used to eliminate the risk of a single asset from a larger portfolio. In most cases, a micro-hedge involves taking an offsetting position in that single asset. Offsetting positions can include taking short positions in similar shares, or options or futures contracts of that same asset.
A micro-hedge involves minimizing the risk exposure of a single asset or component of a larger portfolio. Offsetting positions using similar securities or derivatives contracts listed on that stock can be used as a micro-hedge. A trader may want to engage in a micro-hedge if they are uncertain about a particular position but do not wish to dispose of the position altogether.
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g solve for public savings, private savings, national savings, investment, consumption, investment and net exports and equilibrium real exchange rates
GDP - Taxes + Transfers = 6,000 - 1,200 + 400 = 5,200 is the private sector's disposable income.
Savings in the private sector are calculated as follows: consumption = 4,500 - 5,200 = 700.
Government savings equal a 100 percent budget surplus.
National savings are calculated as follows: 700 + 100 = 800.
What is the investment formula?The most popular is ROI, which is calculated as ROI = Net income / Cost of Investment multiplied by 100.
The GDP equation is what?Formula for Gross Domestic Product (GDP) GDP = private consumption + gross private investment + government investment + (exports – imports).
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If the inflation rate in the United States is greater than the inflation rate in Sweden, other things held constant, the Swedish currency will:a. Appreciate against the U.S. dollar.b. Depreciate against the U.S. dollar.c. Remain unchanged against the U.S. dollar.d. Appreciate against other major currencies.e. Appreciate against the dollar and other major currencies.
If the inflation rate in the United States is greater than the inflation rate in Sweden, other things held constant, the Swedish currency will appreciate against the U.S. dollar.
A rise in the value of one currency in comparison to another is known as currency appreciation. For a variety of factors, including governmental policies, interest rates, trade balances, and business cycles, currencies appreciate against one another. A currency's value fluctuates continuously in a floating rate exchange system depending on supply and demand on the foreign exchange market.
Value changes give traders and businesses the chance to grow or shrink their holdings and profit from them. However, currency appreciation is distinct from the rise in value of securities. Pairs of currencies are traded. As a result, a currency increases in value when its value rises relative to another's.
The correct answer is option a.
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the specifies the point at which inventory is needed. group of answer choices company inventory policies stockout point reorder point economic order quantity
The quantity at which the ordering cost and carrying cost are minimal and equivalent to one another is known as the economic order quantity. The correct response is c. inventory reorder points.
The amount that the business needs to buy is that amount in order to reduce ordering and storage costs. The following is the calculation formula for it annual demand /2 ordering price carrying expense. The best computer-based information system known as material requisition planning.
(MRP) is primarily used to handle the ordering and scheduling of inventory goods that are based on demand. It offers a timetable of all the components, raw materials, and other finished goods needed for a production process. A schedule of requirements for all parts and end goods is the result of MRP.
complete question:
The specifies the point at which inventory is needed. group of answer choices company inventory policies stockout point reorder point economic order quantity.
a. a schedule of planned orders for all parts and end items.
b. net requirements.
c. inventory reorder points.
d. gross requirements.
e. economic order quantities and reorder points.
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ataxia fitness center is considering an investment in some additional weight training equipment. the equipment has an estimated useful life of 5 years with no salvage value at the end of the 5 years. ataxia's internal rate of return on this equipment is 6%. ataxia's discount rate is also 6%. the payback period on this equipment is closest to (ignore income taxes.): click here to view exhibit 14b-1 and exhibit 14b-2, to determine the appropriate discount factor(s) using the tables provided.
The payback period on this equipment is closest to (ignore income taxes.): 4.21 years.
Payback period = Investment required / Annual net cash inflow
Note also that Factor of the internal rate of return = Investment required / Annual net cash inflow
Consequently, the payback period equals the factor of the internal rate of return. The factor for an annuity at 6% over 5 years is 4.212.Therefore the payback period is 4.21 years.
An income tax is a tax imposed on individuals or entities in appreciation of the profits or profits earned through them. earnings tax usually is computed as the product of a tax rate instances the taxable earnings. Taxation quotes may additionally range by means of kind or traits of the taxpayer and the sort of earnings.
Profits tax, a levy imposed on individuals (or circle of relatives gadgets) and groups. man or woman income tax is computed on the premise of income acquired. it's also classified as an immediate tax because the weight is presumably at the people who pay it.
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Suppose a dentist is organized as a sole proprietorship. Last year the dentistâs total revenue was $320,000 and total costs were $250,000. The dentist left a job paying $112,00 a year to start the business. According to the information in the scenario above, how much accounting profit did the dentist make last year? a. $112,000 b. -$28,000 c. $70,000 d. $182,000 e. -$42,000
Suppose a dentist is organized as a sole proprietorship. Last year the dentist's total revenue was $320,000 and total costs were $250,000 the dentist left.
The dentist left a job paying $112,000 a year to start the sole proprietorship.Based on the information from the above scenario,how much accounting profit if the owner could work for another company for Rs. 30,000 a year Economic benefit = Total income - Total cost Explicit cost + Implicit cost It is considered an ideal option for small or medium-sized businesses.The following are some of the sole proprietors.
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under the investment advisers act of 1940, it is legal for an investment adviser to rebate the commission on a mutual fund sale to a client who has already paid a fee for investment advice keep the commission on a mutual fund sale when the client who purchased the shares has already paid for investment advice reduce a client's advisory fee by any commissions earned on mutual fund sales to that client
Under the investment advisers act of 1940, it is legal for an investment adviser to rebate the commission on a mutual fund sale to a client II & III. Rebating commissions on mutual fund sales is prohibited.
Mutual funds let you pool your cash with other buyers to "together" purchase shares, bonds, and other investments. they are run with the aid of professional cash managers who decide which securities to shop for (stocks, bonds, and so forth.) and promote them. You get publicity for all of the investments within the fund and any profits they generate.
A mutual fund is a pool of cash managed via an expert Fund manager. it's far a consideration that collects cash from some of the buyers who percentage a not unusual investment objective and invests the identical in equities, bonds, cash marketplace gadgets, and/or different securities.
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when attempting to manage an account payable denominated in a foreign currency, the firm's only choice is to remain unhedged. group of answer choices
The company's only option when managing an account payable with a foreign currency denominator is to stay unhedged.
What does money mean?A means of exchange for services and goods is money. In a nutshell, it's money, typically in the form of coins and paper, that has been issued by a sovereign and is widely recognized as payment at face value.
What are a nation and a currency?Foreign currency. Definition: A currency system is a type of money that is widely used in a given nation at a certain time. The list of currencies used by each nation in the globe is provided here, along with each currency's three-character ISO 4217 alphabetic code and three-digit numeric code.
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A report on food science states that younger adults are more likely to see foods with genetically modified ingredients as being bad for their health than older adults. This statement is based on a representative sample of 175 adult Americans age 18 to 29 and a representative sample of 450 adult Americans aye 50 to 61. of those in the 18 to 29 age group, 48% they believed these foods were bad for their health, while only 38% of those in the 50 to 64 age group believed this USE SALT (a) Are the sample sizes large enough to use the large-sample confidence interval to estimate the difference in the population proportions? Explain Select Let 0.48 and -0.38. - 175 and ng = 450, where the 1 subscript indicates the age 18-29 group and the 2 subscript indicates the age 50-64 group. Since P.- ..(1-P) and (1-P) - Select all at least 10, the sample sizes Select Large enough to be the large-sample confidence interval (b) Estimate the difference in the proportion of adult Americans age 18 to 29 who believe the foods made with genetically modified ingredients are bad for their health and the corresponding proportion for adult Americans age 50 to 64. Use a 90% confidence interval. (Use P.-P. Use a table or SALT. Round your answers to four decimal places) (c) Is zero in the confidence interval? Yes O NO What does this suggest about the difference in the two population proportions? This means that it is plausible that the two population proportions could be equal This means that it is not plausible that the two population proportions could be equal,
Variance of the population will be 8 / 3
Write down all possible samples of size two, chosen by simple random sampling.
M1 = {22, 24}, M1 = {22, 26}, M1 = {24, 26}
Now we have to calculate the variance of the population:-
u = 22 + 24 + 26 / 3
α² = (484 + 576 + 676 / 3 ) - 576
= 8 / 3
For finding the 0 in the confidence interval we should know that If our confidence interval for a correlation or regression includes zero, that means that if you run your experiment again there is a good chance of finding no correlation in your data.
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The ____ is the product of the percent complete and the sum of the estimated costs of all the specific activities that make up a work package or the project.
A. total budgeted cost (TBC)
B. cumulative budgeted cost (CBC)
C. cumulative actual cost (CAC)
D. cumulative earned value (CEV)
The cumulative earned value (CEV) is the product of the percent complete and the sum of the estimated costs of all the specific activities that make up a work package or the project.
The cumulative earned value is the total value of all the work that has been completed on a project to date. This includes all the work that has been completed by all the project team members, as well as any contractors or other outside parties that have been brought in to work on the project.
The cumulative earned value is a good way to track the progress of a project and make sure that it is on track to be completed on time and within budget.
Hence, the correct option is "D".
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lillian applies for a job as the chief financial officer (cfo) of delco corporation. lillian is excited about the opportunity and feels that she has a pretty good chance of getting the position. just to make sure, lillian decides to explore the backgrounds of the decision-makers at delco. if lillian knows their interests, she thinks that might increase her chances of making a good impression in the final interview. the decision-makers who will decide whether or not lillian gets the cfo position at delco corporation include: a. the shareholders of Delco Corporation.
b. the board of directors.
c. the chief executive officer, secretary, and treasurer of Delco Corporation.
The decision-makers who will decide whether or not Lillian gets the cfo position at delco corporation include: b) the board of directors.
Who are the board of directors in a company?The board of directors is the term that is used to refer to the body that would be in the governing council of a company. The members of the board of directors are usually known to be chosen by those that are in the shareholders position in the company. They are those that have invested in the business.
One of the functions that they help to carry out in the business is that they help to oversee the management of the business that is done in the company and they also carry out management services in the company.
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the statements relate to the impact of protectionism on wages and employment. classify whether each statement is true or false.
While protectionism may help preserve employment in the protected sector, it often comes at the expense of employment in sectors that aren't given the same level of protection. Firstly, if customers are forced to pay more for products from the protected industry, they will have less disposable income to spend at businesses in the unprotected sector, leading to a loss of employment.
Second, if a company sells the protected product to other companies, the latter will have to pay a higher price for a critical input, which will cause them to lose business to competitors in other countries that do not have to pay the higher price. Any decline in revenue will inevitably lead to a reduction in employment.
Protectionism may seem like a good way to save jobs in one area, but it comes at the expense of other businesses. To this end, the United States International Trade Commission concluded in its analysis of trade barriers that doing away with them would not result in a net loss of jobs.
Protectionism does not generate new employment opportunities but rather transfers workers from sectors that are not shielded from imports to those that are.
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Persuasive requests are reasonable, ethical, and logical arguments that overcome anticipated resistance. Persuasive requests include making a persuasive claim, asking a favor, requesting information, and persuading within an organization.
Read the scenario about making a claim, and then complete the sentence.
You ordered a blue tablecloth to go with your dishes. When you opened the box from the Kitchen Company, you discovered that the tablecloth you received is red.
To get the company to exchange the tablecloth, you need a message.
Read the scenario about asking for a favor. Keep in mind that using an inductive approach is more likely to gain cooperation than using a deductive approach. After reading the scenario, answer the corresponding question.
You want to buy a large armoire for your office, so you search online at a furniture store where you have been a loyal customer for years. You find a coupon online for 25 percent off. Unfortunately, it expired yesterday. You want the furniture company to honor the coupon even though it is a day late.
How should you begin your message to persuade the furniture company?
Explaining what a good customer you have been in the past
Asking if the coupon will be good a day late
Telling the salesperson how desperately you need the armoire
The majority of internal messages are routine in nature; however, there are situations in every organization that require persuasion. The first part of your message should When you are persuading within an organization, to the receiver will help build interest in your idea.
Consider the scenario about persuading within an organization. Remember that even internal persuasion requires the sender to provide motivations and benefits to the receiver. Then, answer the corresponding question.
You own a restaurant that is losing about $200 a day in free food given to friends by your workers. You will be installing a security system that monitors the main public areas of the restaurant. You will also begin tracking each order written and sent to the kitchen. You write a memo about this important topic, hoping to persuade employees to change their behavior.
Which approach will help you motivate your employees? Check all that apply.
Assume that the losses are due to two employees who should be fired.
Lecture your workers on being thieves.
Detail the huge negative effect the current practice has had on the employees’ wages.
Explain the benefits of the new system, including the chance to reward good workers.
Persuasive requests: It refers to pleas for assistance, presents, and favors made without any thought of making a purchase or a sale. Ethos, believability, pathos, and excitement are its four main constituents.
Both persuasive requests and sales communications that are successful have an aim, a defined target audience, and a communication goal. Additionally, compelling sales pitches and demands compel attention and a call to action. You are asking a specific individual to do something when you make a persuasive request. In sales, you must request action from your target market. In any instance, your success will depend on how well you understand your audience, including what motivates them and what inspires them to take action. Asking your younger brother to take out the garbage in return for a piece of candy will only work if you are aware of his sweet tooth.
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Which of the following security types would split your investment into a diversified basket, rather than in a single company? O Stocks O ETFs O Bonds O CD
The following security type that would split your investment into a diversified basket, rather than in a single company is O Bonds.
The most essential reason for the security is to defend humans and their property. This includes both their physical protection and their possessions. top security measures will make it difficult for criminals to goal someone or a place.
The U.S. branch of defense has promulgated the 5 Pillars of information warranty version that includes the safety of confidentiality, integrity, availability, authenticity, and non-repudiation of personal information.
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In its first year (2021), Camco Incorporated generated a $92,000 net operating loss, and it made a $5,000 cash donation to a local charity. In its second year (2022), Camco generated a $210,600 profit, and it made a $10,000 donation to the same charity. Required: Compute Camco's taxable income for its second year.
The second year's taxable income for Camco is 108,600. Total income subject to tax is referred to as taxable income. It is calculated by adding up all of your sources of income and taking out any tax breaks or deductions you are qualified to receive.
net income 210,600, carryforward 92,000, charitable deduction 10,000, taxable income: 108,600.The carryforward loss and the current year's charitable deduction will be subtracted from the income for the current year. Donations made in one year do not carry over to the following year. Only the prior year will be used to fill it out.The amount of federal and state income taxes that an individual or business must pay in the United States is based on their taxable income. It is determined by taking your gross income (income from all sources before deductions) and removing any exemptions or deductions you are qualified to take.The two types of deductions you can use to lower your taxable income are itemised and standard deductions.Salary, wages, commissions, tips, and self-employment income are a few examples of taxable income. Depending on your overall income and filing status, some types of income, such as Social Security benefits, may be partially taxable.Hence, Camco's taxable income for the second year will be 108,600.
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on july 1, 2019, farm fresh industries purchased a specialized delivery truck for $219,000. at the time, farm fresh estimated the truck to have a useful life of eight years and a residual value of $27,000. on march 1, 2024, the truck was sold for $88,000. farm fresh uses the straight-line depreciation method for all of its plant and equipment. partial-year depreciation is calculated based on the number of months the asset is in service.
Farm Fresh Industries will use the straight-line depreciation method to calculate the depreciation expense for the specialized delivery truck.
This method calculates the depreciation expense by taking the cost of the asset (219,000) minus the estimated residual value (27,000) and dividing it by the estimated useful life of the asset (8 years). This amounts to an annual depreciation expense of $22,125.
Since the truck was sold on March 1, 2024, it was in service for 5 years and 3 months. To calculate the partial-year depreciation, the annual depreciation expense of $22,125 is multiplied by the proportion of the year the truck was in service, which is 5.25/8 (or 0.65625). This amounts to a partial-year depreciation of $14,539.
When the truck was sold for $88,000, Farm Fresh Industries would book a gain or loss on the sale of the truck. This is calculated by subtracting the sale price (88,000) from the book value of the asset at the time of sale. The book value is calculated by subtracting the total accumulated depreciation from the asset’s cost.
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indicate the effect each separate transaction has on investing cash flows. note: amounts to be deducted should be indicated with a minus sign. sold a truck costing $44,500, with $23,800 of accumulated depreciation, for $9,800 cash. the sale results in a $10,900 loss. sold a machine costing $12,400, with $8,900 of accumulated depreciation, for $6,800 cash. the sale results in a $3,300 gain. purchased stock investments for $20,500 cash. the purchaser believes the stock is worth at least $31,800.
The purchaser believes the stock is worth at least $31,800 is $1,800.
The Cash Flow Statement was created to ensure that businesses would know just how much hard cash they actually have. This Statement is therefore different from others in that in only records cash when it has been received and/or disbursed thus making it easier for a company to know how much cash it has.
The Investing Section of the Cashflow statement deals with fixed assets as well as transactions involving securities and bonds of other entities as those are investments.
When cash is spent on these transactions it is a Cash Outflow and is therefore subtracted.
When cash is received from such transactions it is considered a cash inflow and is added.
Effects of Above Transactions.
Sold a Truck for $11,200. This will INCREASE the Investing Cash Flow by $11,200.
Sold a Machine for $8,200. This will INCREASE the Investing Cash Flow by $8,200.
Purchased stock investments for $17,600 cash. This will DECREASE the Investing Cash Flow by -$17,600 as it was a cash Outflow.
The Investing Section of the Cash Flow Statement will look like,
Sold a Truck $11,200
Sold a Machine $8,200
Purchased stock investments -$17,600
Net Cashflow from Investing Activities $1,800
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Consider the list of situations below faced by an imaginary
country that is suffering an economic crisis. Classify each situation as either a result of discretionary fiscal policy or an automatic stabilizer in the economy.
I. Higher government spending in unemployment benefits due to a rise in the number of unemployed people
II. A decrease in tax collection due to a decrease in business profits
III. Higher public spending due to the introduction of a new emergency credit line for businesses, subsidized by the government
IV. Smaller tax revenue resulting from an increase in the amount of households that fall under the poverty line
V. Smaller tax revenue due to the approval of a bill that provides tax cuts for small businesses
Answer: Situations III and V are discretionary fiscal policy, and I, II and IV are automatic stabilizers
Answer is A. Automatic stabilizers are automatic and not actively done by government. It occurs due to economic activities.
Discretionary fiscal policy made by government in which government spending's and taxes are proposed.
Higher spending due to unemployment benefits is automatic stabilizer because unemployment occurred due to economic activity and government played no role in creating unemployment.
Decrease in tax collection is also due to economic activity not by government policy. So it is also automatic stabilizer.
Introduction of a new emergency credit line for business is a policy of government so it is discretionary fiscal policy.
Smaller tax collection due to poverty is automatic stabilizer.
Approval of a bill have resulted in smaller tax collection. So it is discretionary fiscal policy.
So approval of bill and new emergency credit line for businesses is discretionary fiscal policies and all others are automatic stabilizers.
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Determine whether each procedure described below is an internal control strength or weakness; then identify the internal control violated or followed for each procedure. 1. The owner does not use ID scanners to limit access to expensive merchandise. Instead, the owner argues they hire honest employees. 2. An employee cannot approve their own request for purchases of inventory. 3. Several salesclerks share the same cash drawer. 4. Employees that handle easily transferable assets such as cash are bonded. 5. The company devotes resources towards keeping accurate accounting records for machinery. Weakness or Strength Internal Control Principle 1 2. 3 4 5
(1) The owner does not use ID scanners to limit access Weakness
to expensive merchandise. Instead, the owner argues
they hire honest employees.
(2) An employee cannot approve their own request for Strength
purchases of inventory.
(3) Several salesclerks share the same cash drawer. Weakness
(4) Employees that handle easily transferable assets Strength
such as cash are bonded.
(5) The company devotes resources towards keeping Strength
accurate accounting records for machinery.
In the given question we have to determine whether each procedure described below is an internal control strength or weakness; then identify the internal control violated or followed for each procedure.
(1) The owner does not use ID scanners to limit access to expensive merchandise. Instead, the owner argues they hire honest employees.
It is a Weakness.
This simple access may result in theft or pilferage of priceless goods, and no one can be held accountable for the loss of goods. It is necessary to follow procedures like authorization, identification or establishing responsibility while handling such objects.
(2) An employee cannot approve their own request for purchases of inventory.
It is a strength.
The purchase is supported by the separation of request and approval. If the same person does this, he or she may authorize the purchase and transfer the funds to his personal account without the knowledge of anybody else at the firm.
(3) Several salesclerks share the same cash drawer.
It is a weakness.
The cashier has the option of taking the money and depositing it in his personal account. He also has the option of entering the sale in full or in part, pocketing the difference. Instead, he should give the cash to the cashier at the business together with any necessary documentation, such as sales invoices and cash receipts.
(4) Employees that handle easily transferable assets such as cash are bonded.
It is a strength.
This reduces money theft and misappropriation. A person in authority might be persuaded to take some money and record it under an expense-head of account if they have access to both the physical currency and the accounting records, which could lead to an unreported transaction.
(5) The company devotes resources towards keeping accurate accounting records for machinery.
It is a strength.
Maintaining accurate accounting records for assets aids in their physical protection, quick identification, regular care, and charge of periodic depreciation.
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many manufacturers have relocated to the south because group of answer choices there are many high-tech companies in the north. lower-cost labor is plentiful there and unions are less prevalent. there is an abundance of surplus labor. the top computer science schools in the nation are located there.
Many manufacturers have relocated to the south because lower-cost labor is plentiful there and unions are less prevalent.
The overall expense incurred by employers to employ workers is represented by labor costs. They are sometimes referred to as salary costs since they indicate the cost of employing compensated labor.
Although greater labor costs (higher wages and benefits) benefit employees, they can also have a negative impact on business earnings, the number of jobs available, and the number of hours each employee works. A few of the policies that have an impact on labor expenses are the minimum wage, overtime compensation, payroll taxes, and hiring subsidies.
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Kooyman hardware sells 16 different types of Kooyman hardware sells 16 different types of drills. They had demand for 10 of the drills and satisfied 80 percent of the (Round your answer to 1 decimal place.) What was their fill rate for drills? 86,6%
Kooyman Hardware's fill rate for drills is given as 80%.
What is the fill rate?The fill rate is the percentage of customer orders satisfied from available inventory.
The fill rate determines the degree of efficiency in supply chain management, especially in meeting customer demands.
The fill rate is the quotient of the division operation between the number of shipped orders and the total number of customer orders.
To express the result as a percentage, multiply by 100.
Types of drills sold = 16
The number of customer orders received = 10 drills
The fill rate for drills = 80%
The number of customer orders satisfied = 8 drills (10 x 80%)
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Macro events only are reflected in the performance of the market portfolio because:
A. the market portfolio contains only risk-free securities.
B. only macro events are tracked by economists.
C. the specific risks have been diversified away.
D. the firm-specific events would be too numerous to quantify.
Macro events only are reflected in the performance of the market portfolio because the specific risks have been diversified away. Hence option (c) is the answer.
Why is market portfolio important?A market portfolio is a hypothetical collection of investments that comprises every asset class available in the investment universe, with each asset weighted in proportion to its overall market participation. A market portfolio's anticipated return is also the same as the market's anticipated return overall.
In many financial theories and models, such as the capital asset pricing model, where it is the sole fund in which investors must invest and is only supplemented by a risk-free asset, depending on each investor's attitude toward risk, the concept of a market portfolio plays a significant role.
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as part of their investment strategy, the carringtons have decided to put $100,000 into stock market investments and also into purchasing precious metals. the performance of the investments depends on the state of the economy in the next year. in an expanding economy, it is expected that their stock market investment will outperform their investment in precious metals, whereas an economic recession will have precisely the opposite effect. suppose the following payoff matrix gives the expected percentage increase or decrease in the value of each investment for each state of the economy.
The Carringtons can expect a 10% decrease in their stock market investment, which would give them a total value of $90,000.
Payoff Matrix:
Economy | Stock Market | Precious Metals |
| Expanding | +15% | +5% |
| Recession | -10% | +10% |
If the Carringtons decide to invest $100,000 into the stock market and precious metals, they can expect the following payoffs depending on the state of the economy.
In an expanding economy, the Carringtons can expect a 15% increase in their stock market investment, which would give them a total value of $115,000. They can also expect a 5% increase in their precious metals investment, which would give them a total value of $105,000.
In a recession, the Carringtons can expect a 10% decrease in their stock market investment, which would give them a total value of $90,000. They can also expect a 10% increase in their precious metals investment, which would give them a total value of $110,000.
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the earmarking of revenues limits the ability of the legislature to do which of the following? quizlert
The earmarking of revenues limits the ability of the legislature to react to emergency situations that may need money and change budget priorities.
Earmarking is the process whereby people or organizations appropriate specific money for specific purposes. In organizations, earmarking relates to how companies or governments budget spending. For individuals, earmarking can imbue money with symbolic value based on who or what it is earmarked for, with mental accounting being a special case of self-earmarking one's funds.
A company may earmark a sum to spend on upgrading its IT system, or a city government might earmark the proceeds of a municipal bond issue to pay for a new road or bridge.
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Suppose the Federal Reserve wants to increase the money supply by increasing the lending potential of commercial banks. Assume the current reserve requirement for commercial banks is 8 percent. Now suppose the Fed wants the lending potential to increase by $250 billion, and it plans to use open-market operations to accomplish this goal.Instructions: Enter your answer as a whole number.a. If sales or purchases of government securities are the only instrument used in the open-market operations, the Fed will need to (buy or Sell) buy sell government securities in the total amount of $ ??????? billion.b. The Fed may also opt to use some amount of (Click to select) (reverse repos or repos) to effectively (Click to select) (lend money to or borrow money) from commercial banks rather than permanently transfer ownership of the securities in order to obtain its goal.
The save proportion is the part of reservable liabilities that business banks should clutch, as opposed to loan out or contribute. The country's central bank, which in the United States is the Federal Reserve, sets this requirement. The cash reserve ratio is a different name for it.
The reserve requirement, which is sometimes used interchangeably with the reserve ratio, is the minimum amount of reserves that a bank must maintain. Regulation D of the Federal Reserve Board establishes uniform reserve requirements for all depository institutions with transaction accounts and mandates that banks submit regular reports to the Fed. This regulation defines the reserve ratio.
With an example, what is the cash reserve ratio?If a bank has $100 million in deposits and a reserve ratio of 5%, it keeps $5 million of those deposits and lends and invests the remaining 95%, or $95 million. The remaining 95 percent of the fund is returned to the bank in the form of additional deposits from citizens.
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walter builds birdhouses. he spends $5 on the materials for each birdhouse. he can build one in 30 minutes. he is semi-retired but earns $8 per hour at the local hardware store. he can sell a birdhouse for $20 each. refer to scenario 13-11. an economist would calculate the total cost for one birdhouse to be a. $13. b. $5. c. $9. d. $8.
According to an economist, the total cost for a single birdhouse for Walter, would be c. $9.
How to find the total cost ?In economics, the total cost of building something takes into account both the explicit and the implicit cost. The explicit cost is the accounting cost which in this case is the $5 for building the birdhouse.
The implicit cost is the amount that Walter could have earned if he was working at the local hardware store which is
= 8 per hour / 2
= $ 4 every 30 minutes
The total cost is :
= 5 + 4
= $ 9
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consider a bond with a 4% annual coupon and a face value of $1,000. complete the following table. what relationships do you observe between years to maturity, yield to maturity, and the current price?
The relationships you observe between years to maturity, yield to maturity, and the current price is $1038.83.
Annual coupon=1000×4%=$40
a) Years to maturity=2, YTM=2%
Current Price of bond=40×(P/A,0.02,2)+1000×(P/F,0.02,2)
(P/F,0.02,2)=`1/(1+0.02)² = [tex]\frac{1}{1.0404}[/tex] =0.961169
Current Price of bond=40×1.941561+1000×0.961169=$1038.83
In psychology, adulthood can be operationally described as the level of psychological functioning (measured thru requirements just like the Wechsler Intelligence Scale for children) you can reap, and then the level of psychological functioning now not increase tons with age. however, past this, integration is also a thing of maturation, consisting of the mixing of persona, where the behavioral patterns, reasons, and other traits of a person are step by step added together, to paintings together correctly with little to no conflict among them, as an organized entire.
The repute of adulthood is distinguished through the shift far away from reliance on guardianship and the oversight of an adult in choice-making acts. maturity has distinct definitions throughout criminal, social, nonsecular, political, sexual, emotional, and highbrow contexts.
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In an efficient market the correlation coefficient between stock returns for two non-overlapping time periods should be
A. positive and large.
B. positive and small.
C. zero.
D. negative and small.
E. negative and large.
In an efficient market there should be no serial correlation between returns from non-overlapping periods.
The correlation coefficient between stock returns for two non-overlapping periods should be zero. If not, one could use returns from one period to predict returns in later periods and make abnormal profits.
Return is the financial term for an investment's profit. It includes any change in the investment's value as well as any cash flows (or securities, or other investments) that the investor receives as a result of the investment. Examples include interest payments, coupons, cash dividends, stock dividends, dividends on cash investments, and the payout from derivatives or structured products. It can be calculated as a percentage of the total amount invested or in absolute terms (like $). The holding period return is a different name for the latter.
If the amount invested is larger than zero and there is a loss as opposed to a profit, this is referred to as a negative return.
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when mike buys euros through _____ , he will use his u.s. dollars to pay for them. group of answer choices
When Mike buys Euros through the foreign exchange market, he will use his U.S. Dollars to pay for them. The correct answer is A.
Foreign exchange market, Forex or FX is a decentralized and Over The Counter (OTC) market of global currencies where foreign exchange transactions of buying and selling or conversion of various different currencies occur. The price of the currencies in the foreign exchange market is determined by the supply and demand or by the buying and selling pressure of the currencies, as well as the inflation, public confidence, government or the central bank regulations, and political and economic stability of a country.
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Your question seems to be incomplete, but I suppose your question was:
"When mike buys euros through _____ , he will use his U.S. Dollars to pay for them. group of answer choices
A. the foreign exchange market
B. the currency exchange market
C. a floating exchange market
D. foreign currency market"