Today, many organizations are creating a new position called HR management to take over the internal management of diversity from human resources, where it was previously treated as a legal issue.
What is HR management?Human resource management (HRM) is the practice of recruiting, hiring, deploying and managing an organization's employees. HRM is often referred to simply as human resources (HR). A company or organization's HR department is usually responsible for creating, putting into effect and overseeing policies governing workers and the relationship of the organization with its employees. The term human resources was first used in the early 1900s, and then more widely in the 1960s, to describe the people who work for the organization, in aggregate.HRM is employee management with an emphasis on those employees as assets of the business. In this context, employees are sometimes referred to as human capital. As with other business assets, the goal is to make effective use of employees, reducing risk and maximizing return on investment (ROI).To learn more about ROI refer to:
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here’s where investors made a ‘risk-free’ 6.6% return in the past four u.s. recessions
It can be wise to invest in the almost $24 trillions U.S. Treasury market as well as other types of debt that is backed by the government.
How do investors generate revenue?An investor purchases real estate with the hope that its value will rise, enabling them to sell it later on at a gain at the a higher price. Income is the steady stream of money that comes from selling an asset. As an illustration, a bond pays regular, set payments.
What are the three different types of investors?The three main types of investors are pre-investors, inactive investors, and active investors. The skills of each level build upon those of the degree below it. Each level denotes an escalating amount of dedication to your financial security, requiring an escalating level of responsibility.
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julie states that she wants to be her own boss. if she starts a business, it will be a proprietorship rather than a partnership or corporation. explain to julie why she might want to consider another ownership form. is it possible for her to be her own boss and yet not use the proprietorship form of ownership?
Julie states that she wants to be her own boss. If she starts a business it is possible for her to be her own boss and yet not use the proprietorship form of ownership, Sole proprietorship.
If Julie starts her own business without any partner, then it will be a sole proprietorship which means the business is owned by one person.
Business is the act of making a living or making money by producing or buying and selling products (such as goods or services). It is also "an activity or enterprise engaged in for profit".
Liabilities incurred in the business. If the company becomes indebted, creditors can pursue the owner's personal property. The corporate structure does not allow corporate tax rates. Owners are personally taxed on all income from the company.
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The formal system of task and reporting relationships that coordinates and motivates an organization's members to achieve the company's goals is called the organizational _____.
mission
vision
structure
culture
The formal gadget of venture and reporting relationships that coordinates and motivates an organization's individuals to reap the company's dreams is known as the organizational Structure.
The required details for organizational Structure in given paragraph
An organizational shape defines how sports including venture allocation, coordination, and supervision are directed in the direction of the fulfillment of organizational aims. Organizational shape influences organizational motion and gives the inspiration on which popular running tactics and workouts rest. It determines which people get to take part wherein decision-making tactics, and hence to what quantity their perspectives form the organisation's actions. Organizational shape also can be taken into consideration because the viewing glass or attitude via which people see their organization and its environment. Organizations are a variation of clustered entities. An organization may be based in lots of special ways, relying on its objectives. The shape of an organization will decide the modes wherein it operates and performs.
Organizational shape permits the expressed allocation of obligations for special features and tactics to special entities including the branch, department, workgroup, and individual. Organizations want to be efficient, flexible, modern and worrying in an effort to reap a sustainable aggressive advantage.
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books brothers stock was priced at $15 per share two years ago. the stock sold for $13 last year and now it sells for $18. what was the total return for owning books brothers stock during the most recent year? assume that no dividends were paid. round your answer to the nearest percent.
During the most notable year, the total return on Book Brothers stock was 38.46%.
What exactly do you mean by stock?
A stock is a broad term that refers to any company's ownership certificates. A share, in contrast hand, refers to a company's stock certificate. Users become a stockholder when you own a percentage of a particular company. Stocks are classified into two types: common and preferred.
How do I begin buying stocks?
Here's a process guide to getting started with stock investing.
Set up a brokerage account. To begin, you'll need to have a trading account to purchase stock.Choose one stocks users want to purchase.Determine the number of shares to purchase.Select an order type.Make a stock order through your brokerage.Create your portfolio.To know more about Stocks visit:
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bramble corporation reported income taxes of $362.084,000 on its 2022 income statement. its balance sheet reported income taxes payable of $276,493,000 at december 31, 2021, and $518.133.000 at december 31, 2022. what amount of cash payments were made for income taxes during 2022? cash payment for income taxes
$276,493,000 amount of cash payments were made for income taxes during 2022. The federal government levies income taxes on the money that people and corporations make throughout a fiscal year.
The government receives funding via taxes. The government uses these funds for various welfare programmes, infrastructure improvements, healthcare and education services, and subsidies for farmers and the agricultural industry. The two primary forms of taxes are direct taxes and indirect taxes. Direct tax, for instance, refers to a type of tax imposed directly on income. A direct tax is an income tax. Based on the income slab rates in effect for that fiscal year, taxes are computed.
In the given question, the assesment year is 2022 and 2021 is the previous year. As per the calculation of income taxes, we always consider tax computed for the previous year. Therefore, $276,493,000 will be the amount of cash payments that were made for income taxes during 2022.
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project managers that refuse to delegate and have limited faith in the ability of the team create time management problems for:
Time management issues are brought on by project managers who refuse to delegate and have little faith in the team's abilities.
How do you manage your time?People can maximize the impact of their efforts through task coordination by optimizing their time. Helping people perform more effective work in less time is the basic objective of time management.
For whom team create time management problems?project managers that refuse to delegate and have limited faith in the ability of the team create time management problems for themselves.
I am aware that you are searching for : project managers who are unable to delegate and who have little faith in the team's capability to solve time management issues for:
A. Themselves
B. The Team
C. The client,
D. the sponsor
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suppose that each of two firms has the independent choice of advertising its product or not advertising. if neither advertises, each gets $10 million in profit; if both advertise, their profits will be $5 million each; and if one advertises while the other does not, the advertiser gets $15 million profit while the other gets $2 million profit. according to game theory, the likely strategy by the firms is:
The nash equilibrium in this situation is therefore "both advertise." The ideal equilibrium would be to not advertise any of the two, but when taking into account what the opposition would try to do, the Nash equilibrium is when both advertise.
What is a Nash equilibrium?The most popular technique to determine the outcome of a non-cooperative game involving two or more participants in game theory is the Nash equilibrium, which bears the name of the mathematician John Nash. In a Nash equilibrium, each player is supposed to be aware of the equilibrium strategies of the other players, and changing one's own strategy is the only thing that can be done to benefit oneself. The concept of Nash equilibrium dates back to Cournot, who used it in 1838 when rival businesses were deciding on their outputs. Nash equilibrium is reached when all players have chosen their strategies—action plans based on the events of the game thus far—and no one can raise their expected payout by altering their strategies while the others maintain their original ones.
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the term improvements, when referring to real estate, includes a) trees. b) sidewalks. c) shrubbery. d) lawns.
The term improvements, when referring to real estate, includes option b) sidewalks.
What improvements add value to a property?Before thinking about extending, improve the current layout. The main living areas, such as the kitchen, dining area, and living area, as well as how they interact with one another, can be improved to bring the most value.
Any permanent, beneficial change to land that raises the value of the property is referred to as an improvement in property and real estate law. An improvement will make the land better, raise its worth, and enable the proprietor to use the property profitably.
Therefore, one can say that the route that runs beside a street, highway, or terminal is referred to as a footway, sidewalk, pavement, or footpath in Australia, India, New Zealand, and Ireland. It is made for pedestrians and is typically made of concrete, pavers, brick, stone, or asphalt.
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next, you prepare for the question-and-answer session that will follow your presentation. to predict what questions they may ask, you do a colleague test of your presentation. you should choose a colleague who has deep expertise in the electric vehicle industry. 1 point true false
The production and marketing of automobiles with electric motors are referred to as the "electric vehicle industry." This covers electric vehicles such as automobiles, lorries, buses, and motorbikes. Although they have been around for a while, electric cars have only just begun to gain popularity.
What is the electric vehicle industry?The price of electric cars is decreasing as battery technology advances. By 2030, it is anticipated that the price of electric vehicles will be lower than the price of gasoline-powered automobiles. All-electric and plug-in hybrid cars are the two primary categories of electric vehicles. While plug-in hybrids may operate on both gasoline and electricity, all-electric vehicles are only powered by electricity.
Globally, governments are encouraging the development of electric automobiles. Offering incentives like tax rebates and subsidies falls under this category. A specific percentage of sales automobiles must be electric according to various rules in some nations.
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a manufacturer makes a product for $8 and adds a 25% profit on cost. they sell to a wholesaler who sells it for 50% markup based on manufacturer selling price. the retailer marks it up by 33.33% on wholesaler selling price and sells the product to the consumer. what is the total $ markup in going from manufacturer's cost to consumer purchase price, i.e., the $ difference between the two
The total mark-up in going from the manufacturer's cost to the consumer's purchase price is $9.80.
What is manufacturer?Manufacturer is a company that designs and produces goods, either to be sold to consumers or to other businesses. Manufacturers typically use raw materials and components to create finished products. Manufacturing processes can include assembly, processing, packaging, and other steps. Manufacturers also offer services such as maintenance, repairs, and training. Manufacturers are a vital part of the economy as they create goods and services, employ workers, generate tax revenue, and contribute to the overall economic growth of a country. They play a critical role in industries such as automotive, aerospace, electronics, and medical devices. Manufacturing is an essential part of the global economy and is a key component of a country's economic growth.
The manufacturer adds a 25% profit on cost, which adds $2 to the manufacturer's selling price. This brings the manufacturer's selling price to $10.
The wholesaler marks up the product by 50%, which adds $5 to the wholesaler's selling price. This brings the wholesaler's selling price to $15.
The retailer marks up the product by 33.33%, which adds $5 to the retailer's selling price. This brings the retailer's selling price to $20.
The difference between the manufacturer's cost and the consumer's purchase price is $20 - $8 = $12. The total markup is $12 - $2 = $9.80.
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to expand the money supply the fed could lower the required reserve ratio, lower the discount rate, or purchase government securities. true false
The Fed has three options for increasing the money supply: lowering the discount rate, buying government bonds, or reducing the minimum reserve ratio. Simple deposit multiplier increases with decreasing necessary reserve ratio.
What Does lowering the reserve requirement reduce the discount rate?Banks must extend more loans if the Fed is to expand the amount of money in circulation. In order to encourage banks to lend more money, the Fed can choose among three options. Reduced reserve needs may result from it. The discount rate may be lowered.In order to increase the amount of loans that banks can provide to individuals and businesses, the Federal Reserve must reduce the reserve ratio. When this occurs, banks are no longer required to retain as much cash in reserves. As a result, the economy grows and the amount of money in the country increases.The amount of the monetary multiplier and the excess reserves kept by commercial banks will both drop as the reserve ratio rises, which will result in a reduction in the money supply.To Learn more About discount rate refer to:
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why do many blame high administrative costs as a main contributor to the high cost of healthcare in the us?
The bloated Medicare and Medicaid bureaucracy is highly inefficient.
What is bureaucracy?
A complex organization with multilayered systems and procedures is called bureaucracy. Effectively implemented systems and procedures slow down decision-making. They are intended to uphold control and homogeneity inside the company. The use of rules and procedures, whether verbal or written, to manage an organization is known as bureaucracy. In Weber's view, the ideal bureaucracy has a division of labor, a distinct hierarchy, many rules and regulations, and impersonal relations. Bureaucracies that many individuals frequently interact with include state bureaus of motor vehicles, health maintenance organizations (HMOs), financial lending institutions including savings and loans, and insurance firms.
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Fuel costs, airline industry consolidations, politics, exchange rates, availability of consumer’s discretionary money, state tax—these are all economic factors that impact the hospitality and tourism industry. Evaluate how at least three of these factors can impact the hospitality and tourism industry and analyze the potential significance of their impact
Tourism may have both beneficial and bad effects in three areas: economic, social, and environmental.
What do the terms tourism and hospitality mean?Hospitality is a large sector that comprises numerous disciplines that deal with providing services to clients such as lodging, food, and transportation. Tourism is a subset of hospitality, providing services to individuals visiting for pleasure or business. Hospitality refers to the relationship between a guest and a host in which the host receives the guest with some amount of courtesy, including the reception and entertainment of guests, visitors, or strangers. Hospitality also refers to how individuals treat others, such as the service of greeting and welcoming visitors at hotels. The impact of hospitality in raising or lowering an organization's sales volume cannot be overstated.
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which phase does the firm analyzes its end-user business requirements and refines project goals into defined functions and operations of the intended system?
The company examines the business needs of its end users during the analyzing phase and then clarifies the project objectives into the described functions and activities of the desired system.
Write a short note on System Development Life Cycle.Utilizing the system-development life cycle, users can turn a newly designed project into a working one.
The System Development Life Cycle, or "SDLC," is a multistep, iterative process with a logical framework. The goal of this process is to model or give a framework for both technical and non-technical operations in order to create a quality system that meets or exceeds a business's expectations or to control the evolution of decision-making.
The life cycle approach is used in the SDLC to help users see and comprehend the actions that are engaged in each step, as well as to inform them that steps can be repeated at any moment if it becomes necessary to modify or improve the system, and that a previous phase can be modified.
The phases are : Planning, analysis, design, development, testing, implementation, maintenance.
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Essay questions describe marketing tactics that the credit industry uses to trick people into getting into debt.
a. True
b. False
. thomson media is considering some new equipment whose data are shown below. the equipment has a 3-year tax life and would be fully depreciated by the straight-line method over 3 years, but it would have a positive pre-tax salvage value at the end of year 3, when the project would be closed down. also, some new working capital would be required, but it would be recovered at the end of the project's life. revenues and other operating costs are expected to be constant over the project's 3-year life. what is the project's npv?
The project's NPV is -$52,000 + (Revenues - Operating Costs - Taxes) * 0.7513 - $24,999.99.
What is NPV?Net Present Value (NPV) is a financial metric used to measure the profitability of an investment. It is the sum of all present values of the individual cash flows of an investment, discounted back to the present, minus the initial investment amount. NPV is used to compare the profitability of different investments and determine which one is most likely to yield a higher return. It is important to consider both the size and timing of cash flows when calculating NPV. If a project has a positive NPV, it is likely to be a profitable investment. If the NPV is negative, it is likely to be unprofitable. NPV can also be used to compare the profitability of different projects when capital is limited.
Equipment cost: $50,000
Tax life: 3 years
Salvage value: $5,000
Working capital required: $2,000
The NPV of the project can be calculated using the following formula:
NPV = - Initial Investment + Present Value of After-Tax Cash Inflows
Initial Investment = Equipment Cost + Working Capital Required = $50,000 + $2,000 = $52,000
After-Tax Cash Inflows = Revenues - Operating Costs - Depreciation - Taxes
Assuming a 30% tax rate, the After-Tax Cash Inflows can be calculated as:
After-Tax Cash Inflows = Revenues - Operating Costs - (Equipment Cost/3) * (1-tax rate) - Taxes
= Revenues - Operating Costs - ($50,000/3) * (1-0.3) - Taxes
= Revenues - Operating Costs - $33,333.33 - Taxes
The Present Value of After-Tax Cash Inflows can be calculated using the following formula:
Present Value of After-Tax Cash Inflows = After-Tax Cash Inflows * (1/(1+r)^t)
where r is the discount rate and t is the time period.
Assuming a discount rate of 10% and a time period of 3 years, the Present Value of After-Tax Cash Inflows can be calculated as:
Present Value of After-Tax Cash Inflows = After-Tax Cash Inflows * (1/(1+0.1)^3)
= After-Tax Cash Inflows * 0.7513
Therefore, the NPV of the project can be calculated as:
NPV = - Initial Investment + Present Value of After-Tax Cash Inflows
= -$52,000 + (After-Tax Cash Inflows * 0.7513)
= -$52,000 + (Revenues - Operating Costs - $33,333.33 - Taxes) * 0.7513
= -$52,000 + (Revenues - Operating Costs - Taxes) * 0.7513 - $24,999.99
Therefore, the project's NPV is -$52,000 + (Revenues - Operating Costs - Taxes) * 0.7513 - $24,999.99.
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retired woman has $120,000 to invest. She has chosen one relatively safe investment fund that has an annual yield of 9% and another, riskier fund that has a 13% annual yield. How much should she invest in each fund if she would like to earn $12,000 per year from her investments?
9% fund $
13% fund $
she invest in each fund if she would like to earn $12,000 per year from her investments She ought to put $30,000 into the riskier investment and $90,000 into the safer fund.
How to find rate of interest?A retired woman with $120,000 to invest has two options: # Save money by investing in an investment fund with a 9% yearly yield.# Riskier fund with a 13% annual yield - She wants to make $12,000 from her investments each year.Assume she puts $x in the safer fund and $y in the riskier one. The total investment is $120,000, where x is the amount put into the safer fund and y is the amount put into the riskier fund.∴ x + y = 120,000 ⇒ (1)\ I = Prt, where P is the invested amount, r is the annual percentage rate of interest, and t is the period. 9% is the interest on the sum x.∴ I = x × 9/100 × 1 = 0.09To learn more about rate of interest refer to:
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during the process of monitoring progress, which task below is best supported by the project scope document?
During the process of monitoring progress, which task is best supported by the project scoping document?
Manage stakeholder expectationsStakeholder expectationsFor customers
Expectation of adequate responsiveness and customer service.Expectation of complying with the uses and customs of the consumers themselves.For employees
Expectation of having a professional career.Expectation of having efficient communication and awareness channels.For providers
Expectation of mutual benefit in the medium-long term.Expectation of having schedules and delivery times that facilitate deliveries.For more about manage stakeholder expectations here https://brainly.com/question/28407518
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which statement is not true? countries with relatively large public sector shares in the economy have the highest growth rates in gdp per capita. the legal enforcement of contracts promotes economic growth. price signals distorted by extreme inflation or deflation lead to uncertainty and lower the ability of citizens to make good decisions. establishing and protecting property rights are key elements that promote economic growth.
The correct answer is (a) countries with relatively large public sector shares in the economy have the highest growth rates in gdp per capita.
What is public sector?The area of the economy known as the public sector is made up of both public services and public businesses.
Public sectors include elected politicians, as well as those who provide public services including the military, law enforcement, infrastructure, public transit, public education, and health care.
It might offer services to which a non-payer cannot be denied access, services that benefit society as a whole as opposed to just the user.
Public enterprises are self-financing commercial businesses with public ownership that sell a range of private goods and services and often run on a for-profit basis.
The social sector includes a wide range of nonprofit groups with a focus on civil society.
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organ company does not ring up sales taxes separately on the cash register. total receipts for february amounted to $38,160. if the sales tax rate is 6%, what amount must be remitted to the state for february's sales taxes?
The amount that must be remitted to the state for February's sales taxes is $660.
What sales tax means?A sales tax is a fee that is paid to the government when specified products and services are sold. Typically, laws permit the vendor to charge the customer the tax at the time of purchase. Use taxes are often used to describe taxes on goods and services that consumers pay directly to a governing authority.A sales tax is a consumption tax that local or state governments apply on the purchase price of products or services from customers. Sales tax is an indirect tax that consumers must pay that is levied on the sale of commodities. At the moment of sale, the seller charges the appropriate government with the appropriate tax and pays it.When a company has some sort of link to the jurisdiction, it is their job to collect sales tax and send payments to the government.Given data :
We will use the following formula to determine the sales price before the sales tax:
Selling price before sales tax = Total receipts / (1 + Sales tax rate)
Selling price before sales tax = $38160 / (1 + 6%)
Selling price before sales tax = $36000
And,
Sales tax = Total receipts - Selling price before sales tax
Sales tax = $38160 - $36000
Sales tax = $2160
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An interview where candidates are placed in a room together and asked to discuss why they are the better fit for the position is known as which type of interview?a. The phone callb. The panel interviewc. The competency testd. The virtual assessment centre
An interview method is a type of discussion that uses a predetermined list of typical questions to acquire data.
What do you envision an interview to be like?An interviews is a planned dialogue in which both parties participate by asking and answering questions. The phrase "interview" is a colloquialism for a one-on-one talk between being an interviewer and also an interviewee.
Why is the interview crucial?The interview gives the employer the chance to ascertain whether the applicant's skills, background, and personality align with the demands of the position. The firm benefits from knowing whether a candidate will fit into the working culture.
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Angelina will be traveling worldwide as a goodwill ambassador for a nonprofit organization. She is asked to gather information and suggestions regarding the organizations’ next humanitarian outreach program. What strategy can best reduce any listening errors caused by cultural differences?.
Practice active listening and respect for one another's cultures as this will help to minimize any listening faults brought on by cultural differences.
How does active listening work?Active listening is the process of preparing to listen, monitoring the verbal and nonverbal cues being used, and then responding appropriately to show that you are paying attention to what is being said.
This kind of listening shows that the listener and speaker are on the same page.
A technique for listening to and reacting to another person that promotes understanding between the two of you is active listening. Angelina may use this in this situation.
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Accounts used to accumulate information until it is transferred to the owner’s capital account.
a. True
b. False
The statement is true, Accounts used to accumulate information until it is transferred to the owner’s capital account.
Temporary accounts are those used to store data until it is moved to the owner's capital account.
What do accounts mean?The amount of money you have accessible in your checking or savings account is known as your account balance in the world of banking. The net amount remaining in your account after all deposits and credits have been balanced against any charges and debits is your account balance.
Permanent accounts are those that are used to save data from one fiscal period to the next.
Real accounts are another name for permanent accounts.
Temporary accounts are those used to store data until it is moved to the owner's capital account.
Nominal accounts is another name for temporary accounts.
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malcolm should have explained how each person could benefit from completing his or her part of the project, which would be using what influence tactic?
In a case whereby malcolm should have explained how each person could benefit from completing his or her part of the project, the tactics that she was using is the influence of apprising tactic.
What is the Apprising?Apprising can be described as the tactics that can be used in an organization in tasks appealing by clarifying how they can benefit the followers personally or advance their careers.
It should be noted that this this implies communicating something of special interest or importance as in the above case.
Therefore, option A is correct.
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missing options:
apprising ingratiation piersonal apgeals consuitation collaboration
what sets the calling for product prices break even volume variable costs customer perceptions of the products
Customer's perception of product value sets the ceiling for product prices.
An key component in determining whether or not a customer makes a purchase is their opinion of the value of the goods. A customer is more likely to buy something if they believe it to be highly valuable. On the other hand, a consumer is less inclined to buy a product if they believe it to be of low value.
The cost of the item, its quality, and the customer's preferences are just a few of the variables that might affect how much value a customer perceives in a product.
Hence, the correct option is "D".
The question is incomplete, the complete question is:
What sets the ceiling for product prices?
A. Variable costs
B. Sellers' perceptions of the product's value
C. Break-even volume
D. Customer's perception of product value
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which of the following is a value-reducing reason for diversification? a. conforming to antitrust regulation b. gaining market power relative to competitors c. enhancing the strategic competitiveness of the entire company d. expanding the business portfolio in order to diversify managerial employment risk
The value-reducing reason for diversification is to expand the business portfolio in order to diversify managerial employment risk. The Option D is correct.
What does diversification mean?Basically, diversification refers to a management strategy that mixes a wide variety of investments within a portfolio. Having diversified portfolio mean having mix of distinct asset types and investment vehicles in an attempt at limiting exposure to any single asset or risk.
The rationale behind diversification is that a portfolio constructed of different kinds of assets will yield higher long-term returns and lower the risk of any individual holding or security.
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2. what is the percentage change in the pv of $100 due in 20 years when the interest rate (cost of capital) changes from 5% to 10%? decreases by 60% decreases by 22.83% does not change increases by 22.83% increases by 60.6%
The percentage change in the pv of $100 due in 20 years is decreases by 60%.
What is the percentage change in the pv ?Calculation to Determine PV Change in Percentage
The current value must first be determined when r is 5%.
PV = 100 / (1 + 5%)^20
PV = $95.24
When r is 10%, the second step is to determine the present value.
PV = 100 / (20 + 10%)^20
PV = $ 1,818.91
The final step is to determine the PV's percentage change.
PV change as a percentage: (1,818.91 - 1904.8) * 100 / 1904.8
PV change as a percentage = - 4.5%
Consequently, the PV's percentage change drops by 4.5%.
Decreases by 60% Future Value = $100 n = 20 years
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the process of firms buying and selling the right to pollute is an example of which type of environmental regulation?
Market-based is the process of firms buying and selling the right to pollute environmental regulation.
What is environmental Policy?An organisation or business may adopt an environmental policy as a management strategy to cope with the environment and natural resources. This needs to start with an environmental commitment, a statement that should regulate all business operations and include the fundamental principles of environmental policy.A government's or organization's adherence to environmental-related laws, rules, and other policy processes is known as its environmental policy. These problems typically involve waste management, ecosystem management, maintenance of biodiversity, management of natural resources, wildlife and endangered species, air and water pollution, and waste management.This policy can be used consciously to guide human behaviour and avert negative consequences on the biophysical environment and natural resources, as well as to ensure that environmental changes don't have an adverse impact.
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if the insurance company were selling life insurance separately to each group, what would be the actuarially fair premium for each group? if an insurance company were offering life insurance to the entire group, but could not find out about family cancer histories, what would be the actuarially fair premium for the group as a whole? what will happen to the insurance company if it tries to charge the actuarially fair premium to the group as a whole rather than to each group separately?
(a). The minimal risk premium is $500. (b). The total group's fair premium is calculated at $800. (c). They'll sign up a lot of people. As a result, the insurance provider will suffer an economic loss.
What do you mean when you say insurance?Insurance is a tool for risk management. You acquire protection against unforeseen financial losses when you purchase insurance. If anything unpleasant happens to either, the insurance carrier compensates you or someone else of your choosing.
Briefing:a). The reasonable premium for each group, provided the insurance firm sells life insurance to each group separately, is as follows:
Death benefit payments will be made for strong group risk premiums:
0.2 * $100,000 = $2000 out of people
Number of people died = 1000/200 = 5
Hence probability of 5 person died out of 1000 is 5/1000 = 0.005
The risk level premium would thus be;
0.005 * $100,000 = $500
b). Calculation of the group's overall fair premium:
$2000 * 0.2 + 500 * 0.8 = $800
c). High organizational risk will be advantageous unless the insurance co provides an actuarially reasonable premium here to group as a whole since they will only have to pay $800 rather than their $2000.
They will thus enlist in great numbers. As a result, the insurance provider will suffer a financial loss.
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The complete question is-
Imagine that 50-year-old men can be divided into two groups: those who have a family history of cancer and those who do not. For the purposes of this example, say that 20% of a group of 1,000 men have a family history of cancer, and these men have one chance in 50 of dying in the next year, while the other 80% of men have one chance in 200 of dying in the next year. The insurance company is selling a policy that will pay $100,000 to the estate of anyone who dies in the next year.
a). If the insurance company were selling life insurance separately to each group, what would be the actuarially fair premium for each group? b). If an insurance company were offering life insurance to the entire group, but could not find out about family cancer histories, what would be the actuarially fair premium for the group as a whole?
c). What will happen to the insurance company if it tries to charge the actuarially fair premium to the group as a whole rather than to each group separately?
the identification and redesign of critical business functions ensures that they will be supported in the event of a disaster that requires implementation of the business continuity plan. true false
The statement is True. The identification and design of important business functions ensure that they will be supported in the event of a disaster that needs implementation of the business continuity setup.
In business continuity, an important performance could also be outlined as a set of activities ordinarily performed by your unit that has to resume throughout the primary thirty days, or sooner, following a pause in commission. Processes are the steps required to accomplish a performance.
A business impact analysis (BIA) could be a systematic method to work out and measure the potential effects of an intermission on important business operations as a result of a disaster, accident or emergency. A BIA is an important part of an organization's business continuity setup (BCP).
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