giving access to financing that would not otherwise be possible. Financial intermediaries, like commercial banks, assist borrowers, especially small borrowers.
Is buying Bitcoin a good investment?
Bitcoin, the most valuable cryptocurrency in terms of market value, is a risky and unstable investment. Only if you have a high degree of risk tolerance, strong financial position, and the capacity to withstand any potential losses, should you give it some thought.
In 2022, is Bitcoin a wise investment?
On whether bitcoin has bottomed out yet, experts are divided. Some claim it has already happened, while others predict a drop to $10,000 for bitcoin in 2022. Because of this volatility, experts advise restricting your initial cryptocurrency investments to less than 5% of your whole portfolio.
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If any financial institution, such as a brokerage house, handles a check for payment or collection, the check is covered by UCC Article 4.a. Trueb. False
FALSE. If any financial institution, such as a brokerage house, handles a check for payment or collection, the check is NOT covered by Uniform Commercial Code Article 4.
Funds transfers are governed by UCC Article 4A, starting with the payment order issued by the originator with the intention of paying the order's beneficiary. The item also applies to any payment instruction provided by the bank of the originator or by a bank acting as an intermediary to execute the originator's payment instruction. The liability of a bank for action or inaction with regard to an item it handled for presentment, payment, or collection is covered by Article 4 of the UCC. When it comes to bank deposits, the law of the location where the bank is located is typically more relevant.
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the davis family grows organic vegetables to sell at a local farmer's market. which are factors that directly affect their profit? check all that appl
The factors that directly affect their profit are:
-an increase in the cost of farm equipment
-a rise in demand for organic produce
-an increase in customers at the market
What is organic farming?
Organic farming is a type of agriculture that relies on biological fertilizers made primarily from plant and animal wastes as well as nitrogen-fixing cover crops as pest controls. Modern organic farming has many ecological advantages and was created in reaction to the harm that synthetic fertilizers and chemical pesticides in conventional agriculture were causing to the environment.
Since the late 20th century, sales of organic food have consistently climbed. The organic industry has expanded thanks to heightened environmental consciousness, worries about the health effects of pesticide residues, and consumption of genetically modified (GMO) crops.
Food that is grown organically typically costs more than food that is grown conventionally.
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Instead of conducting laboratory experiments to generate data to test their theories, economists a, ask winners of the Nobel Prize in Economics to evaluate their theories. b. argue that data is impossible to collect in economics. c. gather data from historical episodes of economic change. d. assume that data would support their theories.
Economists frequently use historical instances of economic development as a source of data rather than doing laboratory experiments to collect data to validate their hypotheses.
What research techniques do economists use?In order to understand how economies work, the scientific approach of economic analysis applies reason and data. This is accomplished through techniques like statistical examination of various economic structures and the graphing of information on the costs and quantities of items traded within a given economy.Economists frequently use historical instances of economic development as a source of data rather than doing laboratory experiments to collect data to validate their hypotheses. To verify economic theory, one would be hard-pressed to set up a laboratory experiment.Using empirical (i.e., real-world) data and actual behavior observations, economists attempt to test theories like this one.To learn more about Economists refer to:
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true or false : steps to advance the path to value should include assumptions about the future only if you are in a technology driven domain
Only when you're in a technology-driven domain, in which case the assertion is accurate, should actions to progress the route to value contain assumptions about the future.
What is technology?The application if scientific knowledge to a pragmatic objectives of human life is known as technology, and as it is sometimes called, the alteration & manipulation of a human environment. The methodical, repeated use of knowledge for the realization of useful goals is what is known as technology. The outcome of such an effort is known as technology. Technology is used extensively in many facets of contemporary life, such as commerce, communication, and transportation.
What is the purpose and importance of technology?The methodical, repeated use of knowledge for the realization of useful goals is what is known as technology. The outcome of such an effort is known as technology. Technology is used extensively in many facets of contemporary life, such as commerce, communication, and transportation.
Because it makes coping with life's unexpected obstacles so much simpler, information technology is crucial in our lives. Technology can be used in a variety of ways to promote development and communication. In order to simplify work easier and solve a number of issues, IT aims to accomplish both of these objectives.
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Use the data table to answer the question that follows.
Production Possibilities for One Year
Which statement is supported by the data table?
Italy has a higher opportunity cost than the United States in producing tomatoes.
Italy has a higher opportunity cost than the United States in producing cheese.
Italy has an equal opportunity cost with the United States in producing tomatoes.
Italy has an equal opportunity cost with the United States in producing cheese.
Answer:B
because I know it is the right answer
On January 1, a company issued and sold a $500,000, 5%, 10-year bond payable, and received proceeds of $496,000. Interest is payable each June 30 and December 31. The company uses the straight-line method to amortize the discount. The carrying value of the bonds immediately after the first interest payment is: Multiple Choice $500,000. $499,800. $500,200 $495,800 $496,200
The carrying value of the bonds immediately after the first interest payment is $496,200.
What is Interest?
The fee you pay to borrow money or the fee you charge to lend money is called interest. The most common way to represent interest is as a yearly percentage of the loan amount. The interest rate on the loan is known as this percentage.
Simple (regular) interest, accumulated interest, and compound interest are the three different kinds of interest.
Consider borrowing $1,000 at a 10% interest rate for seven years. Your interest for the first year would be $100. Your interest payment for the following year would be made up of the principal amount plus interest, or $1,100. As a result, your interest for the following year would be $110 ($1,100 multiplied by 0.10).
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the natural rate of unemployment is: group of answer choices structural unemployment rate plus frictional unemployment rate. also known as the cyclical rate of unemployment. the natural rate minus the frictional rate plus the structural rate. the actual rate minus the cyclical rate a and d.
The natural rate of unemployment is the natural rate minus the frictional rate plus the structural rate. (Option B)
What is the unemployment rate's natural rate?The rate of unemployment resulting from all sources, with the exception of changes in aggregate demand, is known as the natural rate of unemployment (NAIRU). The long-term natural rate is used to underpin estimates of potential GDP.
How are natural rates determined?The number of live births minus the number of deaths occurring in a year, divided by the midyear population of that year, multiplied by a factor, is known as the rate of natural increase (usually 1,000). The difference between the crude birth rate and the crude death rate is what it is equal to.
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Which of the following stages is that one in which the project's expected costs, benefits, and risks are assessed?
a. planning
b. assessment
c. executing
d. initiating
e. monitoring/controlling
Initiating stage is the one in which the project's expected costs, benefits, and risks are assessed.
Initiating Stage
The major goal of the initiation stage is to develop the project initiation documentation (PID) and the next stage plan utilizing the process of managing a stage boundary.' As a result, the information needed to construct these must be included in the initiation stage plan. The major goal of the initiation stage is to develop the project initiation documentation (PID) and the next stage plan utilizing the process'managing a stage boundary.' As a result, the information needed to construct these must be included in the initiation stage plan.
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Imagine that you work at a store which sells computer components and you have been made the facilitator of a group whose long term goal is to increase overall sales of the store. What would you do?
As group facilitator, I will focus more on marketing to achieve my long-term goal of increasing overall store sales.
Give a brief overview of marketing.Marketing can be thought of as the actions a company takes to promote the purchase or sale of goods and services. Products can be distributed, advertised, and sold to customers or other businesses. Affiliates may market the company. Marketing and promotion specialists working for companies use advertising to try to grab the attention of important potential customers. Promotions are targeted to specific audiences and may include celebrity endorsements, catchy slogans or slogans, eye-catching packaging or graphic design, and extensive media exposure.
Marketing discipline includes everything a business does to attract and retain customers.
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In the case of a monopsony, higher wage rates (over some range) do not necessarily imply fewer persons working.
A. True
B. False
Correct choice is true.
A monopsony consists of a market with a single buyer. When there are only a few buyers, the market is defined as an oligopsony. In general, when shoppers have some affect over the fee of their inputs they are said to have monopsony power.
What is an example of monopsony?The traditional instance of a monopsony is a organisation coal town, where the coal business enterprise acts the sole agency and consequently the sole client of labor in the town.
Why is social media app a monopsony?The media version is social media app, which is a monopsonist of human attention. The social community leverages suppliers of media, commonly its users themselves, who voluntarily provide through their very own hypermediated non-public lives.
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a. true
b. false
In the planning phase of the systems development life cycle (SDLC), _____ feasibility assesses an information system's costs and benefits.
In the planning phase of the systems development life cycle (SDLC), economic feasibility assesses an information system's costs and benefits. Following the completion of the requirement analysis phase, the next sdlc step is to define and document software requirements.
This procedure was carried out with the assistance of the 'Software Requirement Specification' document, also known as the 'SRS' document. Analysts investigate the feasibility of a proposed solution and determine how best to present the solution to management in order to obtain funding during the planning phase of the systems development life cycle (SDLC). The operational feasibility of a proposed system is a measure of how well it solves problems, takes advantage of opportunities identified during scope definition.
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projects should be terminated by the sponsor or customer due to an increase in the project return on investment
Due to a rise in the project returns on investment, projects must be discontinued by the sponsors or client. ans False.
The meaning of investment?An asset is considered an investment if it is bought or invested in with the intention of increasing financial security and preserving hard-earned income. The primary purpose of an investment is to create a new source of revenue or to generate profit over a predetermined time period.
How crucial is investment?why it's important to invest. A successful strategy to invest your money and possibly increase your wealth is to open an investment account. Your money may see value growth that exceeds inflation if you make wise investment decisions.
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which of the following statements are true based on these graphs? check all that apply. the current quantity of output is greater than potential output. the natural level of output is $6 trillion. the unemployment rate is currently 9% higher than the natural rate of unemployment.
Based on the given graph, the correct statement is the natural level of output is $6 trillion (B).
Please refer to the graph below for answering this question.
From the graph, we know that the Long-run Aggregate Supply (LRAS) is on its vertical position in x = $6 trillions. Meanwhile the aggregate demand curve (AD) is slopping down. From this graph, we know that the natural level of output (GDP) is $6 trillion, represented by the position of LRAS in the graph.
The first statement is incorrect because to make this assumption, we need another curve, Short-run aggregate supply (SRAS) that shows any changes in the short-run output level. We need both AD and SRAS, and its initial equilibrium position to make this kind of assumption.
The second graph, Philips Curves, shows the relationship between unemployment level and inflation through its short-run and long-run curves.
Short-run Philips Curve (SRPC) reflects the inverse short-run relationship between the unemployment rate and the inflation rate, hence sloping downward accros the graph. Long-rung Philips Curve (LRPC) illustrates that unemployment rate has no relation with inflation rate in the long-run, hence it is vertical at the natural rate of unemployment.
The third statement is incorrect since we do not know the point or level of the inflation and unemployment rate is. The point within the SRPC will only be moved if either AD or AS curves shifted. The graph given solely shown that, currently the natural rate of unemployent is 9%.
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Avery and his colleagues used _______ to selectively destroy DNA, RNA, or protein in purified extracts of virulent pneumococci.
Avery and his colleagues used enzymes to selectively destroy DNA, RNA, or protein in purified extracts of virulent pneumococci.
DNA, or deoxyribonucleic acid, is the hereditary cloth in people and almost all other organisms. nearly every cellular in someone's body has identical DNA.
The diploid human genome is therefore composed of 46 DNA molecules of 24 distinct sorts. because human chromosomes exist in pairs that are almost identical, the simplest three billion nucleotide pairs (the haploid genome) want to be sequenced to advantage of complete records regarding a consultant human genome.
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Question: Assume A Corporation Has Earnings Before Depreciation And Taxes Of $103,000, Depreciation Of $41,000, And That It Has A 40 Percent Tax Bracket. A... a. Compute its cash flow using the following format. (Input all answers as positive values.) b. How much would cash flow be if there were only $15,000 in depreciation? All other factors are the same.c. How much cash flow is lost due to the reduced depreciation from $41,000 to $15,000?
The cash flow lost due to reduced depreciation is $10400 and the computation of cash flow of the corporation with the given depreciation are stated below:
Define reducing balance depreciationWhen an asset is expensed at a percentage, reducing balance depreciation is a method to assist you in determining the rate of depreciation. In essence, higher depreciation is charged at the start of an asset's existence. At the end of the asset's useful life, you also charge less. The cost of depreciation decreases with each accounting period when depreciation is calculated using the diminishing balance method.
a. Computation of cash flow
Earnings before depreciation and taxes $103,000
Less: Depreciation $41,000
Earnings before taxes $62,000
Less: Taxes ($62,000 × 40%) $24,800
Earnings after taxes $37,200
Add: Depreciation $41,000
Cash Flow $78,200
b. If Depreciation = 15,000
Computation of cash flow
Earnings before depreciation and taxes $103,000
Less: Depreciation $15,000
Earnings before taxes $88,000
Less: Taxes($88,000× 40%) $35,200
Earnings after taxes $52,800
Add: Depreciation $15,000
Cash Flow $67,800
c. The cash flow is lost due to the reduced depreciation
from $41,000 to $15,000 is
= $78,200 - $67,800 = $10400
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Cornhusker Bank reimburses employees for dues to the local bankers association. The reimbursement is includible in the employee's income.
FALSE
Cornhusker Bank reimburses employees for dues to the local bankers association. The reimbursement is included in the employee's income is False.
The W-2 tax return contains important information about the income you earned from your employer the amount of tax withheld from your paycheck benefits awarded and other information for the year. Use this form to file federal and state taxes.
If you pay for full health or accident insurance do not include the amount you receive for your disability on your income tax return. Awards bonuses and gifts are generally taxable with some limited exceptions. Gifts of cash or cash equivalents such as gift certificates to employees are taxable regardless of the amount or purpose.
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The appropriate section in the statement of cash flows for reporting the receipt of cash dividends from investments in securities is:
a. Operating activities
b. Financing activities
c. Investing activities
d. Schedule of noncash investing or financing activity
e. None of these. This is not reported on the statement of cash flows
The appropriate section in the statement of cash flows for reporting the receipt of cash dividends from investments in securities is Operating activities.
Operating activitiesThe majority of the company's cash flows are produced by operating activities, which are closely related to its core business activities like sales, distribution, production, and so forth. These activities also determine the profitability of the company, and the items falling under this heading are its main sources of revenue.
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which of the following firms best fits the definition of a monopoly? group of answer choices general motors exxon mobile local electric utility barnes and noble
Local electric utility firms best fit the definition of a monopoly.
What is a monopoly?
A scenario known as monopoly occurs when there is only one seller in the market. The monopoly case is viewed as the polar opposite of perfect competition in conventional economic analysis. Monopolies are undesirable because they have no competitors because they monopolize the market in which they operate. When a business has no rivals, customers are forced to do business with the monopoly. There is no restriction on the company's ability to increase prices or decrease the caliber of its goods or services. An illegal monopoly emerges when one company dominates the market for a good or service, and it did so not through the superiority of its own goods or services over those of competitors, but rather by stifling competition through anticompetitive behavior.
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Suppose that you are employed as an advisor to the central bank. Select the proper policy recommendation or economic prediction for each of the following scenarios.
Which policy is appropriate when a rising aggregate price level is a concern but GDP is growing at an acceptable rate?
It is unclear which type of monetary policy is appropriate.
expansionary monetary policy
contractionary monetary policy
The contractionary policy is the policy that you would have to use if rising aggregate price level is a concern but GDP is growing at an acceptable rate. Option B.
What is meant by contractionary policy?A central bank's rate of monetary expansion must be reduced or government spending, especially deficit spending, must be reduced as part of a contractionary strategy.
Inflation is managed through contractionary policy. Notably, the purpose of contractionary monetary policy is to lower rather than to halt the rate of demand for goods and services. Therefore, a contractionary policy that raises interest rates can be employed to reduce inflation and return the economy to the dual mandate's price stability goal.
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Roberta will be commemorating an entrepreneur whose scholarships have enabled over 50 disadvantaged youths to attend Ivy League colleges. Which of the following will best help Roberta to convey the impact of the entrepreneur's work?
a quote from a student scholar
A quote from a student scholar will best help Roberta to convey the impact of the entrepreneur's work.
An entrepreneur is a person who has an concept and who works to create a services or products that people will buy, in addition to an agency to assist that attempt. An entrepreneur takes on maximum of the threat and initiative for their new enterprise and is regularly seen as a visionary or innovator.
The entrepreneur is defined as a person who has the capability and desire to set up, administer and achieve a startup undertaking at the side of hazard entitled to it, to make income. The first-class example of entrepreneurship is the beginning of a new business venture.
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Suppose an individual invests $5,000 in a load mutual fund for two years. The load fee entails an up-front commission charge of 4 percent of the amount invested and is deducted from the original funds invested. In addition, annual fund operating expenses (or 12b-1 fees) are 0.80 percent. The annual fees are charged on the average net asset value invested in the fund and are recorded at the end of each year. Investments in the fund return 5 percent each year paid on the last day of the year. If the investor reinvests the annual returns paid on the investment, calculate the annual return on the mutual fund over the two-year investment period
Investors annual return on the mutual fund investment will be 2.1%
Calculating the problem:The individual actual investment, after the load fee is deducted:
After the load fee is deducted = Amount Invested - 4%* amount invested
Individuals actual investment, after the load fee is deducted = 5000-4% × 5000 = 4800
Individuals actual investment, after the load fee is deducted = $ 4800
Annual operating expenses:
Annual operating expenses = 4800 × 0.80 % = 38.4
Value of investment at end of year 1:
Value of investment at end of year 1 = 4800 + 5% ×4800 - 38.4
Value of investment at end of year 1 = $ 5001.6
The investors return on the mutual fund investment after 1 year:
Investors return on the mutual fund investment = ( Value of investment at end of year 1 - Individual actual investment,)/ Individuals actual investment
Investors return on the mutual fund investment = (5001.6 -5000)/5000
Investors return on the mutual fund investment = 0.03%
Value of investment at end of year 2:
Annual operating expenses in year 2 = 5001.6 × 0.80 % = 40.01
Value of investment at end of year 2 = 5001.6 + 5% ×5001.6 - 40.01
Value of investment at end of year 2 = $ 5211.67
The investors annual return on the mutual fund over a 2 year period:
Investors annual return on the mutual fund investment = ( Value of investment at end of year 2 - Individuals actual investment,)/ Individuals actual investment.
Investors annual return on the mutual fund investment = (5211.67-5000)/5000 × 1/2
Investors annual return on the mutual fund investment = 2.1%
What does investment trust mean?
A mutual fund is a pool of funds managed by a professional fund manager. A trust that collects funds from multiple investors who share a common investment objective and invests the funds in stocks, bonds, money market instruments and/or other securities.
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Joe Biggs is considering starting an ice cream truck business. His research reveals that he can purchase a used truck for R250,000. He estimates that the truck will last for three years, and he will be able to sell enough ice cream to generate after-tax cash flows of R200,000 during each of those years. Another ice cream truck is also for sale for R250,000. This truck is smaller and will not be able to hold as much frozen ice-cream. However, the truck is newer, with lower mileage, and Biggs estimates that he can use it for six years. This newer truck will allow him to generate after-tax cash flows of R150,000 each year for the next six years. Assuming Biggs’ cost of capital is 10%, which truck must he buy? Why?
The ice trucks which Joe Biggs should opt by using net present value (NPV) concept for comparing two alternatives which have different project life is truck A with 3 year life.
What is Net present Value?Net present value is a concept of financing decision made under capital budgeting project using time value of money. It is a difference between present value of outflows and present value of inflows incurred and earned respectively during the project tenure.
Similarly under mutually exclusive project alternatives where the project asset outlay is same but the respective project life is different then differential NPV shall be computed for making a wise decision.
Therefore Truck with life 3 years has more differential NPV than Truck with 6 year life. This can be understand by the tabular presentation given in the file attached.
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figure 14.3 represents the market for used refrigerators. suppose buyers are willing to pay $300 for a plum (high-quality) used refrigerator and $100 for a lemon (low-quality) used refrigerator. if buyers believe that 50% of used refrigerators in the market are lemons (low quality), how much will they be willing to pay for a used refrigerator?
A) $100
B) $200
C) $250
D) $300
The FTC has filed complaints against numerous businesses, including department shops, debt collection agencies, and health brands, as part of their continuous consumer protection duties.
What is Federal Trade Commission (FTC)?The FTC has filed complaints against numerous businesses, including department shops, debt collection agencies, and health brands, as part of their continuous consumer protection duties.Native advertising campaigns, misleading endorsements, deceptively worded advertisements, and intimidating marketing techniques are the FTC's top targets when it comes to marketing compliance. This year, Lord & Taylor gained notoriety for omitting to disclose that its native marketing were actually paid advertisements. Heavy fines are still still imposed on historically heavily regulated industries. Two payday lenders were accused of charging customers unlawfully inflated and hidden fees in January. Customers' costs of $68 million have been waived as a result of each paying $2.2 million.To Learn more About FTC refer to:
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If you own a small business, which of the following can you do to ensure your computers and data are kept secure?
Establish strong firewall protection for their business's network. Ensure antivirus software is installed and up-to-date. Create strong password protections and protocols.
Protocol in the beginning (in overdue center English, c. fifteenth century) meant the mins or logbook taken at a meeting, upon which an agreement become based. The term now normally refers to a settlement on account of a meeting, or extra usually to any hooked up technique in an organization or institution, consisting of a laboratory protocol in medical research, or a information transfer protocol in computing, or etiquette in international relations. In worldwide law, a treaty that dietary supplements or adds to a pre-current treaty is regularly known as a "protocol".
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Which of the following is least likely to report (either directly or indirectly) to the vice president of finance?
a. controller
b. treasurer
c. shipping department supervisor
d. accounts payable department
The controller is least likely to report (either directly or indirectly) to the vice president of finance.
What is the work of vice president of finance?
Processing the financial operations that increase revenues for a firm is within the purview of the Vice President (VP) of Finance. They do data analyses to reach strategic conclusions regarding the future of a firm, such as how much should be allocated to R&D or marketing.
To optimize revenues and prepare for expansion, they are in charge of processing an organization's financial activities. Analyzing data and advising top executives on how to utilize it to make strategic decisions regarding the organization's future are part of the function. A VP of Finance, who takes a hands-on approach to all facets of an organization's finances, is responsible for making sure that a business complies with all applicable tax rules and regulations.
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ch 2 kb. decreases to raw materials are known as group of answer choices cost of goods sold cost of goods manufactured material purchases material used in production
When recording raw materials, a credit is issued to the accounts payable account and a debit is recorded to the raw materials inventory account. Depending on whether raw materials are used directly or indirectly, the accounting treatment changes.
What exactly is a statement of the cost of manufactured goods?In managerial accounting, the term "cost of goods manufactured" (COGM) refers to a schedule or statement that displays all manufacturing costs incurred by a business over a given time period.
Is the price of raw materials included in the price of the finished product?The price of the components that go into a finished produced good is referred to as a raw material costs. They are one of three costs that a manufacturer includes in its cost of goods sold.
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If market interest rates rise:
A.long-term bonds will decline in value more than short-term bonds.
B.short-term bonds will decline in value more than long-term bonds.
C.long-term bonds will rise in value more than short-term bonds.
D.short-term bonds will rise in value more than long-term bonds.
If market interest rates rise long-term bonds will rise in value more than short-term bonds.
What is the current market rate for bonds?Bond investment is based on the fundamental idea that market interest rates and bond prices often move in the opposite ways. Fixed-rate bond prices decrease as market interest rates increase. Interest rate risk is the term for this situation.
The interest rate on the market, what is it?The market rate, also known as the interest rate on a loan or investment that is typically offered on the market for that product, defined the cost and benefit of the tool. The market rate for a loan is the typical interest rate that the recipient will be assessed from a range of lenders.
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can cause managers to make mistakes and errors that harm the organization c
Multiple Choice
O
External locus of control
Cognitive dissonance
Affective attitudes
Distortions in perception
Managers are susceptible to perception distortions, which can result in errors that are detrimental to the company or its workers.
What are the commonly made managerial errors?Management by attitude, not listening, and dismissing staff are some common faults made by managers in organizations. In accordance with the rules and regulations, managers are also accountable for the mistakes that each and every employee makes.
Distortions in perception is lack of consistency between how a stimulus is typically perceived and how a person perceives it under specific circumstances. Highly effective managers make a conscious effort to keep a positive outlook. They avoid bringing a bad attitude to work since they are aware that it will spread quickly.
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glenn and haji sign a written contract. glenn claims that the parties later orally agreed to modify it. any oral modification is likely not enforceable if it falls under ____.
Glenn and Haji exchange a written agreement. Glenn asserts that a later verbal agreement to change it was made by the parties. If the Statute of Frauds applies, any oral amendment is probably unenforceable.
Is a clause that prohibits oral changes enforceable?The parties to the contract may, by their words or conduct, waive contractual rights under the statute, even if the formal agreement contains a no oral amendment clause.
Which oral agreement contravenes the Statute of Frauds and is therefore unenforceable?In their oral agreement, Evan pledges to purchase Zora a chateau in France if she marries him. Due to a breach of the Statute of Frauds, this commitment is not enforceable.
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