which statements about commercial banks are true? (select all that apply) multiple select question. commercial banks are owned and controlled by its depositors. commercial banks are equally responsible to their depositors and borrowers. commercial banks make loans from the deposits of its customers. commercial banks do not seek to earn a profit.

According to the static theory of capital structure, the optimal capital structure for a company equates marginal tax savings from additional debt to the marginally increased bankruptcy costs of that debt. The correct option is c.

Bankruptcy helps people who can no longer pay their debts get a fresh start by liquidating assets to pay their debts or by creating a repayment plan. Bankruptcy laws also protect financially troubled businesses. This section explains the bankruptcy process and laws. There are different types of bankruptcies.

All bankruptcy cases are handled in federal courts under rules outlined in the U.S. Bankruptcy Code.

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Operational planning is a procedure that includes developing plans or policies, obtaining and allocating resources, establishing benchmarks, carrying out projects, and monitoring advancement.

Sometimes operations research, O.R., or operational planning are used interchangeably. The objective is to clearly lay out how your group or organization will accomplish its strategic objectives within a given time frame.

To reduce the risk of having too much information converge, operational planning is typically handled by mid-level managers. Monthly action items should be spaced out between the quarterly milestones that operational planning should be divided into. Saving time is the main advantage. If you have a plan, the team shouldn't have to waste time or resources trying to decide what to prioritize or redo tasks.

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"The aspirational foundation for the moral principles that REALTORS® hold dear is the Preamble to the Code. The fundamental ideas of honesty, integrity, fairness, and moral behaviour in business transactions are all covered.

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The process of choosing a course of action involves identifying a decision, acquiring data, and weighing potential answers.

Making decisions involves:

This procedure would be aided by an information system that offered the available temps for hire along with relevant details like rate, previous assignments, and assessments.

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When price of an elastic good decreases, the quantity demanded of that good increases more than the change in the price of the good.

In case of elastic demand, the change in quantity demanded is more than the change in the price of the good. This happens when the good has many substitutes or it is a luxury item. A decrease in the price results in greater than proportionate increase in the quantity demanded of the good and vice-versa. For example, if price of coffee falls then more consumers will start demanding coffee instead of tea, therefore, change in quantity demanded will be more.

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According to an examination of Amy Jo's 31 december accounts receivable, the stipend for doubtful debts should be 2% of receivable accounts. The annual bad debt expense should be $7,190.

What Exactly Is a Debt Expense?

When a credit is no longer collector's items since a consumer fails to fulfill their responsibility to pay a remaining loans because of bankruptcy or even other financial problems, a bad loans expense is recognized.

How do you locate debt expenses?

The current year's bad debt expense is calculated by dividing the bad debt proportion by the predicted credit sales. Current year bad debt expense = bad debt proportion X Credit sales projections.

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The answer is Limestone particles transported by wind currents with the potential to damage ecosystems.

Burning coal does not typically produce Limestone particles, which are more commonly associated with the burning of other fuels such as oil and natural gas. Limestone particles can damage ecosystems by causing air and water pollution, which can lead to decreased plant and animal health.

An ecosystem is a community of living organisms (plants, animals and microbes) in a particular area. The term `eco' refers to a part of the world and `system' refers to the co-ordinating units.

Types of Ecosystem :

Forest Ecosystem.

Grassland Ecosystem.

Tundra Ecosystem.

Desert Ecosystem.

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if the USA could produce 1 ton of potatoes or 0.5 tons of wheat per worker per year, while Ireland could produce 3 tons of potatoes or 2 tons of wheat per worker per year, there can be mutual gains from trade if the usa specializes in wheat because of its comparative advantage in producing wheat

Generally,  There can be mutual gains from trade if the USA specialized in wheat because of its comparative advantage in producing wheat.

Comparative advantage refers to a country's ability to produce a good or service at a lower opportunity cost than other countries. The opportunity cost of a good is the value of the next best alternative that must be given up in order to produce that good.

In this case, the USA has a comparative advantage in producing wheat because it has a lower opportunity cost of producing wheat than Ireland. The opportunity cost of producing 1 ton of wheat in the USA is 0.5 tons of potatoes, while the opportunity cost of producing 1 ton of wheat in Ireland is 2 tons of potatoes.

Since the USA has a lower opportunity cost of producing wheat, it is more efficient at producing wheat than Ireland. This means that the USA can specialize in producing wheat and trade with Ireland, which can specialize in producing potatoes, and both countries can benefit from trade.

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Answer:

c. investments

Explanation:

investments because money is the most valuable thing when retiring its how it keeps you and your family running.

According to the given statement is It can gradually foster an attitude of entitlement, which will diminish motivation and performance.

An advantage is any occurrence, opportunity, or strategy that is particularly favorable to achievement or any desired purpose, whereas a downside is a fault or unpleasant trait; a scam.

Disadvantage (physically, mental, etc psychological) is a benefit rather than a liability. It presents an opportunity for growth and development in your life that is profoundly significant. Consider how I changed careers from opera singer to clinical psychologist.

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Contributing to a retirement account through an employer-sponsored plan or an individual retirement account is a useful way to lower taxable income (IRA).

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In the month of march, Chester received orders of 153 units at a price of $15.00 for their product cell, and in April receives an order for 38 units of their product cell at $15.00.  the total revenue recognized on the March income statement is $2,295 and the total revenue recognized on the April income statement is $570.

Generally, Under the accrual method of accounting, revenue is recognized when it is earned, regardless of when payment is received. In this case, Chester earned the revenue for the 153 units in March when they received the orders, even though they did not deliver the units until April. Therefore, the revenue from the 153 units should be recognized on the March income statement.

The total revenue from the 153 units in March is 153 units * $15.00/unit = $<<153*15=2295>>2,295.

For the 38 units in April, Chester earned the revenue in April when they delivered the units, so the revenue from these units should be recognized on the April income statement. The total revenue from the 38 units in April is 38 units * $15.00/unit = $<<38*15=570>>570.

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A command economy is like a tree, and socialism and communism are its two distinct branches. Socialism or communism are two examples of command economies. In all three, the government controls the enterprises, resources, and overall national economy.

While free-market economies have historically been tied to capitalism and democratic countries, command economies have generally been associated with socialist and communist countries.

Actually, an economy cannot be fully managed by either a government or a free market. A socialist political and economic system is one in which the state or the government has control over property ownership and the means of production, generally speaking.

Socialism, that has predicated on the notion that more egalitarian society results from collective or public ownership of resources and manufacturing equipment. In a socialist economic system, the government either entirely or partially regulates the production of commodities and services. The new economic system is referred to as a planned economy and this is known as central planning.

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Answer:

work toward your goal

Explanation:

i believe when you know what you want to become in life if you are in school ensure that you as the student work to keep your grade up to keep good grades to aid in the application of universities and colleges and also to get subjects after 5 years of schooling

The main advantage of cost-benefit analysis is that it may direct investment choices, particularly in the public sector. The Government can select the most advantageous option among them based on a cost-benefit analysis given the resource constraints.

How can the government profit from using cost-benefit analysis?

Cost-benefit analysis has been employed as one technique. In order to evaluate and analyze the discounted streams of future benefits and costs connected with a planned project in terms of money, this tries to accomplish for government programs what the forces of the market do for corporate projects.

What are cost-benefit analyses used for?

It is typical to anticipate that supply and demand will balance out. Comparing the costs and benefits of a certain course of action is the aim of cost-benefit analyses.

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The statement is False. Effective leaders do not avoid conflict in their groups or organizations.

Effective leader keep away from no kind of conflict except for they utilize an obliging methodology on the off chance that it isn't vital to them however it very well may be significant for the other party. In the obliging procedure where there are low self-assuredness and high collaboration and it happens when the one-party act in a totally unselfish manner.

Leadership is a art when a man or a lady takes a gathering to a particular objective coordinately by the best utilization of the abilities, ability, and techniques of the individuals from the group.

Great pioneers share a degree of splendor that empowers them to move the majority toward groundbreaking thoughts and developments. Models incorporate Mahatma Gandhi, Oprah Winfrey, and Martin Luther Lord Jr. Finding out about uncommon pioneers is advantageous in light of the fact that it permits you to learn positive characteristics and ways of behaving to imitate.

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Milton always finds something petty to be upset about. Today Milton is complaining to you that he did not get a shiny new red Swingline stapler like his office mate did .This is the correct match 1. Compromising

2. Avoiding

3. Integrating

4. Obliging

1. Lauryl works hourly shifts at a restaurant and she isn’t happy about her schedule for the upcoming week. You are Lauryl’s coworker and offer to switch schedules with her this week. You don’t have much going on outside of work this week, and one day in the future you may need a favour from her. - Compromising

2. Your company withdrew the funding you planned to use to put your employees up at a really fancy hotel on this week’s work trip. Instead, you’ll have to stay at a cheap motel and double up in rooms. You announce the disappointing news and quickly move on to other business. There’s no point in fielding questions or complaints since the money just isn’t there. - Avoiding

3.Stanley and Phyllis are both top salespeople at their company. Both believe that the biggest, most important potential clients should be given to them. They decide that a good system is to alternate evenly—one important potential client goes to one of them, then the next goes to the other, etc. -  Integrating

4.  Your department has just been given a $4,000 end-of-year bonus. Everyone has an opinion on how it should be spent, including fancy new desk chairs, a big party, a new copy machine, and new laptops. You take a few days to evaluate the office’s needs using historical data and discussing options with each employee individually before finally arriving at a decision that you believe everyone will see as the best decision for all in the group. - Obliging

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Presidents George H. W. Bush of the United States, Carlos Salinas de Gortari of Mexico, and Brian Mulroney of Canada agreed to negotiate what would become NAFTA.

What is the purpose of NAFTA?

The agreement went into force on 1 january, 1994. All investments and trade barriers—tariff and nontariff—between the US, Canada, and Mexico are intended to be eliminated by NAFTA.

NAFTA: Did it benefit or harm the US?

Key Learnings. Increased commerce, economic output, foreign investment, and lower consumer costs were some benefits of NAFTA. When domestic firms moved to Mexico, where wages are cheaper, it resulted in the loss of American jobs and a decrease in pay in American manufacturing facilities.

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Most economists say the Fed will likely stop raising interest rates at some point in 2023, but “where” rates peak — a level known as the “terminal” rate — is actually more important than “when.”

The amount that commercial banks charge one another for short-term loans is influenced by this important interest rate. Because borrowing costs increase with a rising fed funds rate, banks and other financial institutions may be less eager to borrow money.

Is another rate decrease by the Fed anticipated?

However, the Fed won't likely begin lowering interest rates until 2024 at the earliest, so it could be too late for the institution to avert a downturn. The co-chief investment officer of Truist Advisory Services, Keith Lerner, remarked that "a pivot or pause is not a cure-all for this market."

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A strategic alliance of channels implies.The marketing channel of a company is used as the marketing channel for commercial products/services.

There are 2 types direct marketing producer-consumer,and indirect producer-intermediary-consumer.Indirect Marketing Channels Channels with one or more intermediaries.Channel members bridge the time, place, and possession gaps that exist between producer and consumer.Create time,place,form,and ownership utility for shoppers Amazon.com Direct Marketing Channels.A marketing channel is a business structure of   organizations that extend from the point of production to the  consumer.Intermediaries negotiate with each other, buy and sell products, and facilitate the change of ownership between the buyer and the seller.

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A characteristic of a sound sales force expense plan is that it Does All of these.

According to physics, sound is essentially a vibration that moves through a solid, liquid, or gas transmission medium, such as a sound wave. These waves are received as sound, and the brain interprets them as sound from a physiological and psychological standpoint.

Humans can only experience auditory experiences from sound waves with frequencies between 20 Hz and 20 kHz, or the range of audio frequencies. Humans cannot hear sound waves with frequencies higher than 20 kHz, which are known as ultrasound. Sound frequencies below 20 Hz are referred to as infrasound. Different types of animals have varying hearing ranges.

Hence the correct option is D

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The true statement is that the entire marketing mix must be coordinated for the greatest impact.

To maximize promotional efforts and reach a larger audience, marketers create a promotion mix, which is a collection of various marketing strategies. The duty of the marketer is to determine the ideal promotion mix for a specific brand. It is a crucial technique for sending a pertinent marketing message through the platform that is best for each target audience and thus increases client communication.

A coordination of the marketing mix elements is essential for achieving the greatest impact in marketing efforts. The marketing mix consists of the four "Ps" of marketing: product, price, promotion, and place. These elements work together to create a cohesive marketing strategy that is designed to reach the target market and achieve the desired marketing objectives. The strategy is also essential for building a propper promotional mix.

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interest rate for new loans, length of the initial phase, After the introduction period, the frequency of interest rate changes (such as per year) is one of the elements that effect an adjustable rate mortgage.

The likelihood of your rate increasing is a major drawback of an ARM. Your payment will climb if rates have gone up since you took out the loan.

Based on the market, the index varies. An adjustable-rate mortgage, loan's interest rate fluctuates based on changes in the index and the loan's margin. When you apply for the loan, the lender chooses which index your loan will use, and this decision often won't alter after closing.

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Interest rates are typically lowered when there is an increase in the money supply. This leads to more investment and more money in the hands of consumers, which in turn encourages spending.

As a result, more raw materials are ordered and production is increased.

When an economy's money supply grows faster than the economy's capacity to produce goods and services, this is known as inflation.

The price level changes as a result of the same change in the money supply (M) that occurs when output (Y) is increased but the money supply (M) is increased. To put it another way, output does not change, but the price level also rises when the money supply doubles.

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The total adjusted trial balance of ProSource Company for November 30 is $11,380 and its working capital is $292.

The complete adjusted trial balance is attached below

To construct the trial balance for ProSource, we have to idenfity the unadjusted balance for each accounts and defines wheter it is recorded as debit or credit.

For the unadjusted balance, we have informations:

Debit accounts:

Account receivable = $1,650

Supplies = $1,400

Drawing = $600

Advertising expense = $400

Rent expense = $1,200

Credit accounts:

Long-term debt = $780

Revenues (Sales) = $7,600

From the additional informations, we have some adjusting entries:

Debit accounts:

Cash = $6,238

Supplies = $(1,000)

Prepaid insurance = $500

Misc. Expense = $100

Credit Accounts:

Account payables = $300

Please notice that the total supplies on hand after the fire is $400, hence the supplies loss $1,000 should be recorded as the adjusting entries.

Based on the adjusted balance for each account, we have:

Debit accounts:

Cash = $6,238

Account receivables = $1,650

Supplies = $400

Drawing = $600

Advertising expense = $400

Rent expense = $1,200

Misc. expense = $100

Total debit = $11,088

Credit accounts:

Account payables = $300

Long-term debt = $780

Revenues (Sales) = $7,600

Total credit = 11,380

If we sum up all the debit and credit accounts, we will find that the total debit is unbalanced with the total credit. However, remember that the owner's capital account balance refers to the total of all debit account balances minus the total of all credit account balances.

Hence we could use the equity account to record the owner's capital.

Equity = Total debit accounts - Total credit accounts

Equity =  $11,088 - $11,380

Equity = $292 --> in debit

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The term "idealists" in philosophy refers to metaphysical viewpoints that contend that perception and understanding are inseparable from reality and that reality is a mental construction closely related to ideas.

There are two types of idealist perspectives: subjective idealism, which contends that a material object exists only to the extent that a human being perceives it, and objective idealism, which contends that there is an objective consciousness that predates and exists independently of human consciousness, thereby establishing the object's existence as independent of human perception. According to the philosopher George Berkeley, one must perceive an object's essence. However, idealism "does not concern the existence of objects," according to Immanuel Kant Subjective idealists, commonly referred to as immaterialism, is a theory of experience and the world in which things are nothing more than bundles or groupings of sense data in the perceiver.

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Free trade agreements do not simply minimize and eliminate tariffs, they additionally help address behind-the-border limitations that would in any other case hinder the go with the flow of items and services;

motivate investment; and improve the rules affecting such troubles as intellectual property, e-commerce and government procurement.

FTAs can force nearby industries to become extra competitive and be counted less on government subsidies. They can open new markets, amplify gross home product (GDP), and invite new investments. FTAs can open up a united states to degradation of natural resources, loss of standard livelihoods, and local employment issues.

Some frequent features of trade agreements are (1) reciprocity, (2) a most-favoured-nation (MFN) clause, and (3) country wide remedy of nontariff barriers.

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The initial price on the bond is 0ption (e). $1043.

The price at which any Stock of any class are initially made available for purchase or subscription is referred to as the initial price. One of those concepts that is thankfully simple to comprehend is mortgage maturity. It simply means the day your mortgage debt is expected to be fully repaid.

Regular interest payments to investors stop after the loan arrangement matures since it is no longer in effect.

Face value = 1000

Coupon = 9/2%*1000

             = 45

YTM = 8.6%/2

       = 4.3%

Time = 30*2

        = 60 periods

Use financial calculator,

FV = 1000

PMT = 45

1/y = 4.3

N = 60

CPT Pv -> 1042.79

Initial price = $1042.79

                  = 1043

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One type of taxation power that is reserved to the states is the imposition of sales taxes on items that are wholly manufactured, purchased, and sold within the state.

To pay debts, fund the common defense, and advance the general welfare of the United States, the Congress shall have the power to charge and collect taxes, duties, imposts, and excises; but, all such duties, imposts, and excises shall be uniform throughout the nation.

According to Section 8 of Article I of the US Constitution, Congress has the authority to "lay and collect taxes, duties, imposts and excises, to pay the debts and provide for the general welfare and common defense of the United States."

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