The banks you probably know the best are retail banks. Commercial banks prioritise serving business clients. Investment banks assist companies in obtaining funding in the financial markets.
A bank is a type of financial entity that lends money while both taking deposits from the general public and generating demand deposits. The bank may engage in lending activities directly or indirectly through the capital markets. Because banks are crucial to the financial stability and economic health of a nation, they are subject to intense regulation in most countries. The majority of nations have institutionalised the fractional reserve banking system, in which banks keep liquid assets that are only partially equivalent to their current obligations. Banks are often subject to minimum capital requirements based on an international set of capital rules, the Basel Accords, in addition to additional restrictions meant to maintain liquidity.
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What are the three 3 objectives of financial planning?
objectives of financial planning are identifying the investment, resource, and financial needs of the future. choosing the financial sources. efficient administration or use of these monies. locating plan's dangers and problems.
What does the phrase "financial planning" mean?In order for a company to fulfill its strategic goals and objectives, financial planning must be done. The Financial Plan is often developed by a corporation as soon as the vision and goals have been established. According to common usage, a financial plan is a thorough assessment of a person's present earnings and future financial condition that uses currently available information to forecast future earnings, asset values, and withdrawal schedules.
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69. Advantages of ETFs over mutual funds include all but which one of the following?
A. ETFs trade continuously, so investors can trade throughout the day.
B. ETFs can be sold short or purchased on margin, unlike fund shares.
C. ETF providers do not have to sell holdings to fund redemptions.
D. ETF values can diverge from NAV.
ETFs have a benefit over mutual funds in that you can purchase and sell them whenever you want, as opposed to adhering to a fixed contribution schedule.
Join the Liberty Through Wealth e-letter below to get more information on the best ETFs A sort of vehicle called an ETF follows the performance of other assets. Depending on the fund's emphasis, ETFs might follow broad indices, a portfolio of stocks, commodities, and more. ETFs are widely available to buy and sell since they trade on exchanges under a ticker symbol. Higher expense ratios associated with actively managed ETFs can reduce return on investment. Due to volatility, leveraged ETFs have the potential to lose more money than they make. A mutual fund is what?
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if the cost of sugar increases from $5 to $6 per 10-pound bag, we expect the supply curve for cupcakes to a. become flatter. b. shift to the right. c. become shorter. d. shift to the left. e. become steeper
If the cost of sugar increases from $5 to $6 per 10-pound bag, we expect the supply curve for cupcakes to shift to the left. The correct option is (d).
What do you mean by the supply curve?In economics, the supply curve is a graphic depiction of the relationship between the price of a good and the amount of it that a seller is willing and able to supply.
The graph's horizontal axis represents supply quantity and the vertical axis represents product pricing.
The price is shown on the vertical axis on the left side of the supply curve graph, and the quantity of items is shown on the horizontal axis at the bottom.
The supply schedule, a table stating the quantity supplied at each price, is where the data used to draw the supply curve is taken from.
A straightforward equation can be used to plot a linear supply curve. P = a + bS. Plots the supply curve's initial position on the Y-axis intercept. b is the supply curve's slope.
Therefore, if the cost of sugar increases from $5 to $6 per 10-pound bag, we expect the supply curve for cupcakes to shift to the left.
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Which of the four types of data analytics seeks to recognize what is going on as well as the likely forecast and make decisions to achieve the optimal results possible?
The term "prescriptive analytics" refers to the type of analytics that aims to recognize what is happening and the expected forecast in order to make decisions that will result in the greatest performance possible.
What does prescriptive analytics entail?Prescriptive analytics is a sort of analytics where an organization or company examines diverse data to identify problems with decisions on any time horizon, from the present to the long term.
Prescriptive analytics examines both the present and the future to decide what will work best for the business and the production line.
As a result, it is determined that "Prescriptive analytics" is the appropriate choice in this instance.
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latonya owned a house for which she paid $300,000. she added a backyard patio deck at a cost of $5,000, making her adjusted basis $305,000. she later sold the house for $330,000 and paid a $20,000 sales commission. what is latonya's gain or loss?
Latonya's gain or loss, given the basis in the house, and the sales commission paid, is $ 5, 000
How to find the gain or loss ?The gain or loss to Latonya can be found by the formula :
= Selling price - Commission - Basis in house
Selling price = $ 330, 000
Commission = $ 20, 000
Basis in house = $ 305, 000
The gain or loss is:
= 330, 000 - 20, 000 - 305, 000
= $ 5, 000
In conclusion, there is a gain of $ 5, 000.
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when brite fabrics first began operations, it took six hours to make a coat in the workroom. today, that task takes three hours as more efficient sewing and patterning techniques have been introduced. this improvement in efficiency is an example of
According to the research, the correct answer is learning effects. When brite fabrics first began operations, it took six hours to make a coat in the workroom. Today, that task takes three hours as more efficient sewing and patterning techniques have been introduced. This improvement in efficiency is an example of learning effects.
What is learning effects?It is the relatively permanent modification of an individual's ability to perform a task, which is produced by the acquisition of knowledge as an effect of experience.
In this sense, it allows productivity to be increased and the time to carry out an activity decreases as more units of a product are produced.
Therefore, we can conclude that according to the research, Learning effects in the field of production due to the adoption of new knowledge strategies work times and costs are reduced.
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What are the 5 steps to opening a savings account?
Five steps in opening a bank account includes the following;
Get familiar with your basic bank account optionsChoose a bank.Research bank account options.Gather documents & open your bank account.Start using your bank account.What is a Bank AccountA bank account is a financial account which is domiciled with a bank or other financial institution in which the financial transactions between the bank and a customer are recorded.
A bank account carries some responsibilities both on the side of the account owner and the financial institution that manages the account. The owner of the account may deposit and withdraw money and in some cases be paid interest by the financial institution.
These Financial institutions may offer other services such as loans, overdraft of financial information to their customers. Some other financial institutions may also manage pension accounts for their customers.
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a complete cloud beginner would like to create a simple application with predictable pricing. what service should this person use?
The cloud beginner must use AWS Lightsail
Amazon Web Services (AWS) provides AWS Lightsail, a cloud-based service intended to be a quick and inexpensive solution to set up and run a virtual private server (VPS). It provides a simple and intuitive interface that allows users to quickly and easily launch and manage their VPS without needing specialized technical knowledge or expertise.
Websites, applications, and other online services are hosted on virtual private servers, which are virtual machines that run on actual servers. To establish a VPS with a certain configuration, like a specific amount of processing power, memory, and storage, AWS Lightsail provides a variety of predefined templates, known as instances. A range of instances, including those designed for web hosting, application development, and other use cases, are available to users.
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The opportunity to have another person take over rent payments and live in the rental unit is called (a) O Subletting. O Rental agreement. O Lessee. O Lessor O Lease.
The opportunity to have another person take over rent payments and live in the rental unit is called subletting.
What is subletting?A sublet is when an existing tenant have his or her portion of current lease agreement renewed with a new third party. Here, a tenant decides to rent out either a room or whole property to a third party.
In other words, it is when an existing tenant lets all or part of their home to someone else who is known as a subtenant. However, tenants need permission before they can sublet an already rented apartment.
A sublet may also be used to refer to the sublease arrangement hence it is adding someone new to an existing apartment lease.
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possible symptoms of biotin deficiency include ______.
Seizures, hypotonia, ataxia, dermatitis, hair loss, ketolactic acidosis, organic aciduria, and prenatal abnormalities are some of the signs and symptoms of biotin deficiency.
Several foods naturally contain the B vitamin biotin, which is also available as a dietary supplement. Despite some dietary biotin being in the free form, the majority of biotin in foods is protein-bound. The protein-bound forms of ingested biotin are broken down by digestive enzymes called proteases and peptidases into biocytin and biotin-oligopeptides. These oligopeptides are then processed by the enzyme biotinidase in the intestinal lumen to liberate free biotin. The majority of the biotin is retained in the liver after being absorbed in the small intestine from the free form or it causes deficiency.
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___ utility adds value to goods by having them available where people want them?
i. spatial
ii. location specific
iii. place
iv. geographic
Place utility adds value to goods by having them available where people want them .
Option A is correct .
Time utility, By making things accessible when customers need them, intermediaries like retailers give them more time utility. By doing whatever action required to transfer ownership from one party to another, including offering credit, intermediaries increase the utility of possession.
Consumers place value on the location of stores where they buy goods. Instead of having to drive to a factory or warehouse where the goods are made or stored, stores make it simpler for customers to make purchases. Customers find what they require in a location that is conveniently situated close to their place of residence or employment.
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Which would be the best action for karina to take brainly?
Karina should therefore check the bank statement against her records as the best line of action given the current situation.
What do we mean by the bank statements?An official summary of all transactions done for each bank account that an individual or organization has with a financial institution within a specified time period is known as a bank statement.
The financial institution creates these statements, which are numbered according to the time period they cover.
Other details relevant to the type of account, including the sum due by a certain date, may also be included.
The commencement date of the next statement period is normally the day after the previous statement period has ended.
The appropriate course of action for Karina in the current circumstance is to compare the bank statement to her records.
Karina should therefore check the bank statement against her records as the best line of action given the current situation.
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Complete question:
Karina keeps excellent records and always knows precisely how much is in her bank account. However, when she receives her bank statement, she's surprised to see that she has been charged a $5.00 overdraft fee. After reviewing her well-kept records, she cannot find anything that is incorrect. Which would be the best action for Karina to take?
How Agile Manifesto was created?
Seventeen people gathered in the Wasatch Mountains of Utah from February 11–13, 2001, at The Lodge at Snowbird ski resort to ski, unwind, and look for common ground then Agile Manifesto was created.
The Agile Manifesto was created when?17 software development professionals who saw a growing need for an alternative to cumbersome, documentation-driven software development techniques created the Agile Manifesto, which was released in February 2001.
In order to discuss lightweight development techniques, Mellor, Ken Schwaber, Jeff Sutherland, and Dave Thomas got together at the Snowbird resort in Utah. For the purpose of defining the now-famous methodology known as agile software development, they produced the Manifesto for Agile Software Developmentref name="Agile Manifesto"/.
According to the authors of the Agile Manifesto, software developers should base their work on four core ideals and 12 guiding principles. It was created by 17 developers on a field trip on February 1 and is formally known as the Manifesto for Agile Software Development.
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b.a customer has just requested a major order of 100 units of product k for delivery in week 5. what would you tell the customer about having such an order? why? what, if anything, would such an order do to the operation?
It would be important to confirm the availability of product K before promising a delivery to the customer. This can be done by checking the inventory levels and production schedule to ensure that there is sufficient stock on hand or capacity to produce the requested quantity in week 5.
What will happen if the order is fulfilled and what if its not fulfilled?If the order can be fulfilled, it is important to inform the customer of the delivery date and any relevant details such as lead times, shipping costs, and payment terms. It is also a good idea to confirm the order in writing to avoid misunderstandings.
If the order cannot be fulfilled, it is important to inform the customer as soon as possible and provide a reason for the inability to fulfill the order. It may be possible to offer alternative products or suggest a different delivery date if the requested quantity becomes available at a later time.
What impact will these 100 order will bring?A major order of 100 units of product K could have a significant impact on the operation, depending on the existing demand for the product and the current production capacity. It may be necessary to adjust the production schedule to accommodate the additional units, potentially affecting the delivery dates for other orders. It may also be necessary to increase inventory levels or raw materials to support the increased production.
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value added by labor to the production process. value of all inputs used by the final producer. difference in profits at various stages of production. difference between the price and the value of inputs purchased.
Value-added is the difference between the price of a product or service and the cost of producing it.
What Is a Value-Added Product?A marketable good that has been improved with extra features to increase its value above the cost of the raw materials required to produce it is referred to as a value-added product.
It could be made to be more practical, appealing, tasty, or simple to use than its original components. Why companies can charge more for their products or services than it costs to manufacture them is due to adding value.
The added value in marketing is a brief explanation to the customer of the qualities that elevate a product above the value of its constituent parts and, more crucially, the reasons why it is superior to products of the same kind from rival companies. Examples of these can be additional or unique features that a manufacturer or firm has included to boost the value.
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elbert purchased a boat for $13,125. he made a down payment of $4,500. he applied for a four-year installment loan with an interest rate of 9.3%. what is the total cost of the boat after four years? (3 points) $15,767.47 $10,361.48 $14,345.63 $14,861.48
The total cost of the boat after four years is $14,861.48.
Elbert purchased a boat for $13,125. He made a down payment of $4,500 and applied for a four-year installment loan with an interest rate of 9.3%. The total cost of the boat after four years is calculated as:
Calculate the total amount of the loan:
Down payment = $4,500
Loan = $13,125 - $4,500 = $8,625
Calculate the total interest paid over the four-year period:
Interest rate = 9.3%
Interest = $8,625 * 9.3% * 4 = $3,236.63
Calculate the total cost of the boat after four years:
Total cost = Down payment + Loan + Interest = $4,500 + $8,625 + $3,236.63 = $14,861.48
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carlos was in charge of running a one month campaign at his organization. if he's trying to determine which assets were the most valuable at generating leads and customers during that time, which attribution model should he use?
Carlos was in charge of running a one month campaign at his organization. if he's trying to determine which assets were the most valuable at generating leads and customers during that time, the attribution model he should use is time decay
What is time decay?
The rate at which the value of an options contract decreases over time is calculated as time decay. With less time to earn a profit from the deal, time decay quickens as an option's time to expiration approaches.
Therefore if Carlos was in charge of overseeing a one-month campaign. The attribution model he should employ is time decay if he wants to identify which assets were more effective at generating leads and customers at that time.
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What is the most effective type of lobbying?
The best ways to lobby are through letters or in-person meetings, although phone conversations can also be successful. Calls on the phone can be particularly crucial for lobbying operations that must be completed quickly.
What are the three primary forms of lobbying?Forms for lobbying Depending on the subjects that organized interests support and the people they aim to sway, lobbying can take on a broad range of shapes. Direct campaigning, popular lobbying, plus electoral lobbying are Berry's three broad categories for diverse types of lobbying.
Which are a few instances of lobbying?discussion of a particular piece of legislation with lawmakers or their staff. creating or negotiating a bill's terms. chatting with lawmakers or staff about possible legislation's content.
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Which balance shows the amount of money you can use now?
Answer:
Available balance
Explanation:
Aaliyah owns a small textile company that produces shirts. On a particular day, aaliyah has one worker come into the shop to make shirts. She must pay the worker $28 per hour and also pay $2 per shirt for material costs. The worker created an average of 4 shirts per hour and aaliyah's total expenses for labor and materials were $144. Write a system of equations that could be used to determine the number of hours the worker worked and the number of shirts the worker made. Define the variables that you use to write the system.
A system of equations that could be used to determine the number of hours the worker worked and the number of shirts the worker made is 28x + 2(4x) = 144
Let x be the number of working hours
She must pay the worker $28 per hour
So, Cost of labor for x hour = 28x
The worker created an average of 4 shirts per hour.
So, number of shirts produced in x hours = 4x
Cost of 1 shirt = 2
Cost of 4x shirts = 2 (4x)
Total expenses for labor and materials = 28x + 2(4x)
We are given that Aaliyah total expenses for labor and materials were $144
So, 28x + 2(4x) = 144
28x + 8x = 144
x = 4
Therefore a system of equations that could be used to determine the number of hours the worker worked and the number of shirts the worker made is 28x + 2(4x) = 144
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A seller wants to net $350,000 from the sale of her home. The listing broker will receive a 5% commission. The closing costs are estimated at $7,500. At what price must this home sell to achieve this goal? Select one: a. $380,319. b. $376,316. c. $375,921. d. $379,840
The price that the seller must sell the house to be able to achieve the various sales goals is b. $376,316.
How to find the price ?To find the price that the seller needs to sell her home, the closing costs, the commission, and the amount to be neted from the home sale, need to be included in the price of the house.
The price of the house would therefore be:
= Amount that seller wants to net from the house + Commission to the broker + Closing costs
Assuming this amount is x, we have :
x = 350, 000 + .0. 05x + 7, 500
x - 0. 05 x = 350, 000 + 7, 500
0. 95x = 357, 500
x = 357, 500 / 0. 95
x = $376,316
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a stock market comprises 2200 shares of stock a and 3900 shares of stock b. assume the share prices for stocks a and b are $30 and $18, respectively. if you have $4500 to invest and you want to hold the market portfolio, how much of your money will you invest in stock a and stock b? group of answer choices $1,928.57; $2,571.43 $2,102.46; $2,397.54 $2,180.62; $2,319.38 $2,264.71; $2,235.29
If you want to hold the market portfolio, You will invest in stock a $2,180.62 and stock b $2,180.62
Explain the mechanism of market portfolio.A market portfolio is a hypothetical collection of investments that comprises every asset type that is accessible to investors, with each asset weighted in proportion to its overall market participation. A market portfolio's expected return is the same as the market's overall expected return.
The market worth as a whole is equal to =2200 * 30 + 3900 * 18 = 136200.
Stock A has a weight of 0.4845 in the market portfolio (2200 * 30 / 136200).
The market portfolio's weight for stock B is equal to 3900 * 18/136200, or 0.5897.
Therefore, in order to hold the market portfolio, you should invest the following amount in Stock A: = 4500 * 0.4845 = $2181.62
Therefore, in order to hold the market portfolio, you should invest the following amount in stock B: = 4500 * 0.5154 = $2319.38
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miller plastic group is considering two different countries for their upcoming expansion. when the board was reviewing the financial figures of the countries, the chief financial officer reminded board members that the figures might not tell the entire story as some economic activity could be taking place in the form of barter agreements and cash transactions that are never recorded. what is the cfo referring to?
The answer suggests that the cfo was speaking to the shadow economy.
What functions does expansion serve?Benefits of Solid Thermal Expansion (1) We can melt the bottle's neck if we have trouble getting the stopper out of a glass bottle. Now that the bottle's neck has widened, the stopper is simple to remove. (2) The wooden wheel is securely fastened to the iron rim using the thermal expansion technique.
Does expansion imply growth?In economics, expansion is an upward trend there in business cycle that is defined by a gain in productivity and employment, which has in turn leads to an increase in household and company incomes and expenditure.
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What credit utilization is best reddit?
The credit utilization which is recommended by experts is staying under 30%.
What is the objective of credit utilization?The amount your debt is also known as financial usage, which is the proportion of your available credit that is being used. The total credit usage ratio is calculated as your receivables on all of your cards divided by the combined credit limits on all of your cards.
According to the Consumer Financial Protection Bureau, credit experts advise keeping credit usage to under 30% of your available credit. When CUR is 0%, it signals lenders and credit card firms that you are not making any transactions with your card.
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With what skills do you struggle the most? List two. For each one, explain a situation in which there was a negative outcome because you lacked these skills.
:) I will give the branliest!
What is the major focus of sustainability?
It is the study of how natural systems function, remain diverse and produce everything it needs for the ecology to remain in balance.
What is sustainability?Sustainability is a broad discipline that provides students and graduates with insights into virtually every aspect of the human world, from business to technology to the environment and social sciences.
The core skills that a graduate leaves college or university with are in high demand, especially in a modern world looking to drastically reduce carbon emissions and discover and develop future technologies. Sustainability combines politics, economics, philosophy, and other social sciences with hard sciences.
As businesses strive to comply with new legislation, many corporate jobs at the graduate level and above prioritise sustainability skills and environmental awareness. As a result, sustainability graduates will work in a variety of fields, the most common of which are civic planning, environmental consulting (both built and natural environments), agriculture, and not-for-profit organisations.
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What are the two markets in a closed economy?
The two markets in a closed economy are: the factor markets and the products markets.
What is a closed economy?A closed economy is an economy which does not relate in any international trade, which means that it would not import or export goods and services or take part in any financial exchanges with any other country.
When a country stays as a closed economy, it has no trading activity outside the country's borders. In the closed economy, the consumers are needed to consume domestic products without any chance of import of goods from other countries. But eventually, there are no economies which are completely closed.
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EX 6-13 Determining the amounts to be paid on invoices? Determining the amount paid in full settlement of each of the following invoices, assuming that credit for returns and allowances was received prior to payment and that all invoices were paid within the discount period. Merchandise Freight paid by seller Customer returns and allowances A.$27,000 ------- FOB destination, n/30 $4,500 B. 18,600 $475 FOB shipping point, 2/10, n/30 3,000 C. 8,400 ------ FOB shipping point, 1/10, n/30 700 D. 48,300 $900 FOB shipping point, 2/10, n/30 6,500 E. 33,00 ------ FOB destination, 1/10, n/30 -----
Based on the merchandising operation, we know that the total amount to be paid for each invoices are:
A: $22,500B: $15,763C: $8,098D $41,864E: $32,670On the merchandising operation, if the buyer choose the FOB destination, hence the product ownership will remain with the seller until the product reach the buyer location. Hence, the freight cost will be burdened by the seller.
However, if the merchandising occurs in FOB shipping point, then the product ownership will be owned by the seller right after the product being picked up by the delivery until it reach its destination. The buyer will be responsible for the freight cost in FOB shipping point.
The settlement calculation for each invoice are stated below.
Remember that the discounted amount should be calculated using the difference between merchandise and returns & allowances amounts.
Invoice AMerchandise = $27,000
Add: Freight = $0
Less: Return & Allowances = $4,500
Less: Discount = $0
Amount to be paid = $22,500
Invoice BMerchandise = $18,600
Add: Freight = $475
Less: Returns & Allowances = $3,000
Less: Discount = ($18,600 - $3,000) x 2% = $312
Amount to be paid = $15,763
Invoice CMerchandise = $8,400
Add: Freight = $475
Less: Returns & Allowances = $700
Less: Discount = ($8,400 - $700) x 1% = 77
Amount to be paid = $8,098
Invoice DMerchandise = $48,300
Add: Freight = $900
Less: Returns & Allowances = $6,500
Less: Disc = ($48,300 - $6,500) x 2% = $836
Amount to be paid = $41,864
Invoice EMerchandise = $33,000
Add: Freight = $0
Less: Returns & Allowances = $0
Less: Discount = ($33,000 - $0) x 1% = $330
Amount to be paid = $32,670
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What are 4 motivations of entrepreneurs?
People land in the entrepreneurial world for many reasons. In inspecting what ends up driving these entrepreneurs, researchers and observers locate four specifically sturdy motives: control, freedom, have an impact on and wealth (in alphabetical order.)
What are the 5 motivations?Through research with heaps of employees and leaders, we've discovered that there are five most important motivations that force people's actions at work; Achievement, Power, Affiliation, Security and Adventure.
What is the 4 gate mannequin of entrepreneurship?The unique e book about entrepreneurship and innovation, has the 4-Gate Model of Prosperity: the need for Preparation, Marketing, Execution and Self-Leadership.
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https://brainly.com/question/8358477#SPJ4A measure of a company's financial health found by calculating the difference between cash receipts and cash payments.
a. True
b. False
The answer is true. Cash Flows From Operations (CFO) operating cash flow is calculated by taking cash from sales and subtracting cash-paid operating expenses for the period.
Operating cash flow is reported on a quarterly and annual basis on a company's cash flow statement. The statement of cash flows, like the income statement, calculated a company's financial activity over time. It demonstrates where a company's cash comes from and how it is used to fund operations and/or future investments. At a given point in time, balance sheets show what a company owns and what it owes. Income statements show how much money a business made and spent over time.
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