In order to help homeowners who were in danger of losing their homes to foreclosure, the Home Owner's Loan Corporation (HOLC) was established in 1933.
The National Housing Act of 1934 was based on a comprehensive housing plan created by the HOLC.In order to promote the building of new homes and the renovation of old ones, this law established the Federal Housing Administration (FHA), which insures banks, mortgage firms, and other lenders.
FDR hoped that the law would increase employment in the construction sector as well.The 1934 National Housing Act and the FHA provided for the housing needs of current homeowners and those Americans who could afford to buy a home, but they did little to help the poor, especially many African-Americans who lived in slums.
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a taxpayer who knowingly signs a joint return on which his spouse has failed to report her income is liable for any tax assessments made by the irs on that income. True or False
A taxpayer is accountable for every tax assessments filed by the IRS on income that is stated to be "true" on a joint return that the person knows his spouse omitted to disclose.
Define the term tax assessments?A tax assessment is a valuation that the local government assigns to your real estate and company personal property with the express intent of levying as well as collecting taxes for the benefit of your community.
Your team may become overwhelmed if you receive several assessments and want to process them before going on to another one. However, you lose out on chances to appeal as a result of it. By being more proactive, you can save time, take advantage of appeal chances, and lessen your tax burden. CrowdReason is property tax software that permits you to plan for, monitor, and keep on top of tax assessments.Thus, every tax assessment made by the IRS on income that is claimed as "actual" on either a joint return but that the taxpayer knows his spouse failed to report is his responsibility.
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how much will $6,500 invested at the end of each year grow to in 5 years, assuming an interest rate of 10% compounded annually? g
The annual percentage rate on 5-year term deposits starts at 3.50 percent.to 6.75% p.a.
How is 5-year compound interest calculated?
Using A = P (1 + r/n)nt, determine the accrued amount (Future Value FV).In this example, we begin with a $10,000 principal investment compounded quarterly (four times per year) for five years at a rate of 3%.In cell B1, the answer Accrued Amount (FV) = 11,611.84 should appear if you copied it correctly.
At an annual rate of 8%, what will $1,000 be worth in five years?
$1,489.85 At an annual rate of 8%, what is the future value of $1000 in five years? In the case of building month to month, $1,489.85 is the all out accumulate interest esteem following five years.
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Loretta invested $1000 in a simple interest account yielding 5% paid annually. In 2 years, she will have $1100 in her account. From this example, we can conclude that $1000 represents the:.
$1000 represents the principal amount invested by Loretta in her account
Simple interest is a quick and simple way to figure out how much money has accrued interest. Interest is always applied to the original principal amount and is calculated at the same rate for each period of time. Any bank where we deposit money will pay us interest on that amount. Simple interest is one of many types of interest that banks charge.
The formula for Simple interest is given by:
Simple interest = P*R*T/100
where P = principal amount invested
R = rate of interest
and T = time in years
Simple interest earned = 1100-1000 = 100
Substituting the values in the given formula:
100 = P*5*2/100
100 = 10P/100
P = 100*100/10
P = $1000
So, in the given question P represents the principal amount
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on september 1, 2024, hiker shoes issued a $116,000, 8-month, noninterest-bearing note. the loan was made by second commercial bank where the stated discount rate is 8%. hiker's effective interest rate on this loan is:
Hiker Shoes paid about 8.42% in interest charges despite the note's claimed 8% discount rate.
Define the term discount rate?The discount rate is an interest rate used to convert a future income stream to its present value. Context: The discount rate is the interest charged by a central bank on loans to domestic financial institutions.Computing the actual dollar amount paid for interest is the first step in determining the effective interest:
interest = 8%*$116,000*8/12
interest = $6,168.66
Effective interest is calculated as: Interest/Actual Cash Received*12/8
Hiker sneakers actually received between $116,000 and $6,168.66
=$109,813.33
Effective interest = $6,168.66/109,813.33*12/8.
Effective interest = 0.0842
Effective interest equals 8.42%
Even though the note's advertised discount rate is 8%, Hiker Shoes actually paid around 8.42% in interest costs.
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after receiving poor service from her car insurance company, wendy made her complaints public by placing them online. this is a form of group of answer choices institutional sales promotion public relations word-of-mouth negative advertising
After receiving poor service from her car insurance company, wendy made her complaints public by placing them online. This is a form of word-of-mouth negative advertising. The correct answer would be option D.
Negative word-of-mouth is interpersonal customer conversation about a marketing company or product that disparages the subject of the conversation.
Word-of-mouth is one of the most trustworthy forms of promotion since a customer's reputation is on the line when he speaks favorably or adversely about a product. Negative word-of-mouth marketing can have a long-lasting impact on a business. It might result in a drop in sales for the business and harm its reputation.
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34) the major dimensions of international systems architecture include each of the following except: a) the global environment. b) corporate global strategy. c) technology platform. d) transborder data flows. e) management and business processes.
Option d.) transborder data flows is the correct answer as, it is the transfer of data across a national border by anyone of a variety of media and it is the major dimensions of international systems architecture.
Cross-border data flow (TDF) is the transmission of data across borders by any medium. Such data is usually stored or further processed in a country other than the country of origin. Cross-border data flows are important for everyone, from individuals dependent on moving data to large corporations. Cross-border data movement is critical to the services that underpin global commerce, improve health and safety, promote social welfare, and enable future technologies. Binding agreements, often in the form of data processing agreements (DPAs) between the parties, are one of the most common ways to achieve cross-border data transfers in accordance with the law. Other solutions such as Binding Corporate Rules (BCR) are often viewed as cumbersome and demanding.
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working capital blank . multiple choice question. is the value recaptured after the end of an investment's use is the amount paid for ownership of the investment is the cost savings provided by the capital investment often increases when a company takes on a new project
Working capital often increases when a firm takes on a new project. Thus option D i.e. 'often increases when a company takes on a new project' is the correct answer.
Working capital refers to the money available to meet a company's current, short-term obligations. To make sure the working capital of the company works best for it, the company needs to calculate its current levels, project its future needs, and consider ways to make sure it always has enough cash. In simple words, it can be stated that working capital is the amount of money the company requires to finance its day-to-day operations.
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which of the following is an example of a common rationalization utilized by a perpetrator of fraud? a. that they will be rewarded for their inititative b. everyone else is doing it c. acceptance that what they are doing is wrong d. it's within their authority
The fraud triangle had personal integrity added and reasoning subtracted. The three components of the fraud triangle are situational pressure, rationalization, and opportunity.
Which firm officer has the highest likelihood of falsifying financial statements?Because of their expertise in accounting and unrestricted access to accounts, a corporation's controller or chief financial officer (CFO) is most frequently the perpetrator of financial statement fraud. Based on the findings of their research, Steve Albrecht and his colleagues recommended focusing on the pressure and opportunity aspects of the fraud triangle but substituting personal integrity, a quality that may be discernible in past acts, for rationalization. The "fraud triangle" is a paradigm that criminologist Donald R. Cressey published in the 1970s. The motivation, opportunity, and rationalization factors are the three factors that increase the likelihood of occupational fraud, according to the fraud triangle.
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which of the following jobs are held by knowledge workers who are likely to desire the kind of management described above? check all that apply. dental technician marketing analyst operations analyst financial analyst
Knowledge workers, also known as knowledge entrepreneurs, free agents, or human capital, make up the segment of the workforce that is expanding the quickest globally. Information workers are described as "high-level employees who utilize theoretical and analytical knowledge, obtained through formal education, to produce new goods or services" by Peter Drucker, the prominent management author who is credited with creating the term.
To conduct interdisciplinary, complicated, and unpredictable jobs, knowledge workers must obtain, manipulate, interpret, and apply information. They use knowledge from a variety of fields and information analysis to solve issues, produce concepts, or develop new goods and services.
Professionals, scientists, educators, and information system designers are a few examples of knowledge workers. Knowledge work is distinguished by the utilization of data, particular work circumstances, innovation, and autonomy. Knowledge workers use concepts rather than tangible objects to make decisions and accomplish their tasks. Their work is non-repetitive and emphasizes mental ability rather than physical strength. Knowledge workers have the authority to choose which work methods to use to complete their diverse job duties and use a variety of approaches and techniques to address difficulties.
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when mark buys groceries, he prefers certain products simply because the products have a familiar brand name. his preference best illustrates the importance of: social traps. the mere exposure effect. mirror-image perceptions. deindividuation.
The given situation best illustrates the example of the (B) mere exposure effect.
What is the mere exposure effect?A psychological phenomenon known as the simple exposure effect shows that people have a tendency to favor persons or things that are more familiar to them than others. Exposure over time makes anything more familiar. The familiarity effect is another name for this effect. Our propensity to form preferences for things only because we are familiar with them is known as the mere exposure effect. It also goes by the name of the familiarity principle for this reason.Simply put, the Mere Exposure Effect is a psychological phenomenon whereby people favor others or things just because they are accustomed to them. Babies, for instance, grin more at those who smile at them.Therefore, the given situation best illustrates the example of the (B) mere exposure effect.
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Correct question:
When mark buys groceries, he prefers certain products simply because the products have a familiar brand name. his preference best illustrates the importance of
a. social traps.
b. the mere exposure effect.
c. mirror-image perceptions.
d. deindividuation.
during its most recent fiscal year, raphael enterprises sold 380,000 electric screwdrivers at a price of $20.40 each. fixed costs amounted to $1,444,000 and income was $1,824,000. what amount should have been reported as variable costs in the company's contribution margin income statement for the year in question?
$4,484,000 , amount should have been reported as variable costs in the company's contribution margin income statement for the year .
What are investments?A purchase made with the intention of creating income or capital growth is known as an investment.An asset's value increasing over time is referred to as appreciation. When a person invests in a good, they do not intend to utilize it as a source of immediate consumption, but rather as a tool for future wealth creation.An investment always involves the expenditure of some resource today—time, effort, money, or an asset—in the anticipation of a future return greater than the initial investment.For instance, an investor might buy a financial asset right away with the hope that it would provide income later on or that it can be sold for a profit at a higher price.According to our question-
Variable Cost = Sales - Contribution
$3,268,000 = (380,000 electric screwdrivers × $20.40 each) -
= $7,752,000 - $3,268,000
= $4,484,000
Hence,$4,484,000 , amount should have been reported as variable costs in the company's contribution margin income statement for the year .
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an accurate statement about the school-to-work opportunities act is that
An accurate statement about the school-to-work opportunities act is that it advocates collaborations between educational organizations, companies, and labor unions
Collaborative advocacy is an approach to advocacy for children with disabilities that uses collaborative problem-solving skills and relationship-building strategies to resolve disagreements.
Personal Advocacy: This type of advocacy involves acting on behalf of others (clients, individuals or groups) to advance their goals. Parents can stand up for their children, and lawyers can defend their clients' legal rights in court.
Grantees speak more accurately about their work, leading to more targeted applicants. Collaboration can express a clearer and narrower focus at the expense of a new and broader appeal.
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What was the main purpose of the Hitech Act?
The Health Information Technology for Economic and Clinical Health (HITECH) Act, enacted as part of the American Recovery and Reinvestment Act of 2009, was signed into law on February 17, 2009, to promote the adoption and meaningful use of health information technology.
What is the Health Information Technology for Economic and Clinical Health ?The American Recovery and Reinvestment Act (ARRA) of 2009 contains the Health Information Technology for Economic and Clinical Health Act (HITECH), which establishes incentives for the adoption of electronic health record (EHR) systems by providers and other aspects of health care information technology.The Health Insurance Portability and Accountability Act (HIPAA(HITECH) )'s expanded privacy and security protections as a result of the expansion in the exchange of electronic protected health information (ePHI), which includes increased legal liability for non-compliance and more enforcement actions.HIPAA was not historically strictly enforced, but after the passage of the final rule [PDF] in 2013, enforcement efforts were made clearer and more effective. Penalties for infractions apply to business partners as well as covered companies.Increased civil monetary fines are imposed for "willful negligence".A state attorney general may file a claim on behalf of a state's citizens even though an individual cannot sue a provider for HITECH violations.Periodic audits of covered entities and business associates are required to be carried out by the Department of Health and Human Services (HHS).To learn more about Hitech Act, refer to
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We often glorify the positive exchanges along the silk road, but can you think of a possible negative impact of global trade on society in either the ancient or modern world?.
Global trade could have a detrimental impact, among others.Both then and now, the prevalence of conveyed in these are invading species and diseases goods.
when two nations do business together another, particularly in regard to agriculture such as produce, fruit, and cattle, they can unintentionally transfer diseases and other invasive species, including living insects one of these goods when two nations do business together another, particularly in regard to agriculture such as produce, fruit, and cattle, they can unintentionally transfer diseases and other invasive species, including living insects one of these goods.Eurasian trading routes, including the Silk Road pathways contributed to the spread of epidemics spread from Asia to Europe so swiftly, and Currently, poisoned meat and other issues contaminated goods are exported and have an impact everyone on the planet.Similar to the Silk Road, the current international economy has caused a mingling of cultures. The ongoing evolution of the English language is one illustration of this.Different civilizations have been forced to acquire English in order to communicate as a result of cultural blending brought on by the global economy.
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the primary benefits of low product complexity include all of the following except: increased revenue improved product quality and reliability improved product development decreased sales support cost
The primary benefits of low product complexity include all of the following except increased revenue.
The supply chain should be able to upload cost via value reduction and decreasing transport instances of excessive excellent merchandise. This necessitates innovation at a high fee, flexibility and timely response to client needs/wishes.
Deliver chain control has 5 key factors—making plans, sourcing uncooked materials, production, transport, and returns.
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what is the purpose of a performance appraisal? what are the major steps involved in the performance appraisal process?
The purpose of performance appraisal is to ensure whether the employee has achieved the set goals or not.
The major steps involved in the performance appraisal are to set the work standard as a goal for the employee. Another step is to evaluate the performance of the employee in comparison to the set standard of the work.
This step evaluates the blocks faced by the employee and provides them guidance on overcoming these blocks. The performance of the employee is appreciated and feedback is also given for improvement.
The feedback is aimed at positive development. It does not criticize the employee but encourages them to work better and improve their performance.
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The standard cost for blank______ manufacturing overhead is computed the same way as the standard cost for direct labor.
The standard cost for blank variable manufacturing overhead is computed the same way as the standard cost for direct labor.
Direct exertions refer to any employee who is without delay involved in the production of a product. in case your commercial enterprise manufactures bicycles, the person producing the bicycles is taken into consideration direct exertions.
One example of an instantaneous hard work fee is the hourly profits of a nice warranty inspector adjusted to include healthcare advantages and quick-time period disability. another example might be the annual revenue of a welder who works on the production line of a metal components manufacturing organization.
The workers who absolutely paint with and process the extraordinary materials manually or with the useful resource of machines are referred to as “direct labor” or “efficient labor.
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fresh eggs moving from farms to a retailer and then on the final consumer , identify points in the supply chain where the eggs might used to be stored. Why is it essential to move eggs quickly down the supply chain?
Eggs are regarded as the ideal food. They are vitamin and protein-rich, easy to prepare, and affordable for even the retailer most frugal food buyers. To meet demand, it is supply chain that egg production would increase by 50% by 2030.
The advantages of keeping a high supply chain velocity are several. Not only can higher supply chain velocity boost customer happiness, but it can also shorten shipment times, lower shipping costs, improve inventory tracking, and streamline operations for more retailer efficiency. It's crucial to take immediate action and foresee when supplies are likely to run low in order to promptly place orders and maintain control over supply and resources.
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a. When the dollar is worth less in relation to currencies of other countries, are you more likely to buy American-made or foreign-made electronics?
b. Are US companies that manufacture semi-conductors happier when the dollar is strong or when it is weak?
c. What about an American company that is in the business of importing electronic consumer goods into the United States?
When the dollar is worth more in relation to the currencies of other countries, people are likely to purchase more foreign-made goods. This is because the value of the American dollar is higher than the value of other currencies.
The greenback is probable to stay the dominant currency in the global economy for the foreseeable future. regardless of long-held concerns approximately swelling U.S. trade and fiscal deficits, demand for dollars remains strong for global transactions and change.
The greenback has been gaining power towards the currencies of different fundamental economies. The dollar is powerful because America's economic system is more healthy than the ones of many different countries and because the Federal Reserve maintains elevating interest costs.
The USD (USA dollar) is the legitimate forex of us of the USA. The American dollar, or U.S. greenback, is made of a hundred cents. it is represented by way of the image $ or US$ to distinguish it from different dollar-based totally currencies.
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a spot sale/purchase of an asset against a future purchase/sale of an equal amount in order to hedge a financial position is a
The sale/purchase of assets on a spot basis against future purchases/sales of the same amount to protect the financial position is a future contract.
a futures contract is a standard contract traded on a futures exchange to buy or sell an underlying instrument at a specified future date and a specified price.
The need for goods in exchange for money or other goods has allowed the market to develop. The world has evolved from initially using word of mouth for barter to signing agreements to determine the price of goods and delivery dates. This concept is gaining popularity due to farmers, where they will receive a guarantee that they will be paid for their crops at a certain rate when they are harvested. Similarly, the customer will have a guarantee that he will be given the product at a certain price when it is harvested.
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What are the three most important questions you should ask candidates during the interview process? Why are these important questions to ask?
Answer:
ability motivation suitability
Explanation:
expedia used apis to increase the distribution of travel products that it sells, relying on partners to plug into its technology and inventory.
a. true
b. false
Expedia used APIs to increase the distribution of travel products that it sells, relying on partners to plug into its technology and inventory. TRUE
Business technology is any electronic object or system that helps employees accomplish tasks. The technology that employees use includes computers, internet systems, printers, mobile devices, and software applications that help them organize and prioritize work.
Business Technology as a concept describes all technology that helps an organization run its business and operational processes. That technology can be customer-facing applications and solutions, business-critical production and logistics solutions, or back-office financial systems, among others.
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lr engines stock is selling for $42.39 a share, has an roe of 14.3 percent, and a dividend payout ratio of 35 percent. the next expected dividend is $1.62 a share. what is the cost of equity for this firm? a) 12.86 percent b) 13.12 percent c) 13.47 percent d) 12.52 percent e) 13.70 percent group of answer choices
The cost of equity for this firm is 13.12%
What is the cost of equity?The return a business needs to determine if an investment satisfies capital return criteria is known as the cost of equity. It is frequently used by businesses as a cap for the required rate of return. The price the market is willing to pay to possess an asset and assume ownership risk is known as a company's cost of equity. The capital asset pricing model and the dividend capitalization model are the two conventional formulas for calculating the cost of equity (CAPM)
Growth = b × r = (1-0.35) × 14.3% =9.295%
Cost of equity = D₁/P₀ + g = 1.62/42.39 + 9.295% = 13.12%
Hence, the cost of equity for this firm is 13.12%.
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the rate of return provided by an increase in the price of a security is referred to as the rate of
Answer:
Yield. Yield is the anticipated return on an investment, expressed as an annual percentage. For example, a 6% yield means that the investment averages 6% return each year.
The rate of return provided by an increase in the price of a security is referred to as the rate of capital gains.
What is capital gains?The profit made from the selling of an asset, such as stocks, bonds, or real estate, is known as a capital gain. When an asset's selling price is higher than its original acquisition price, a capital gain is realised. It is the discrepancy between the asset's selling price, which is higher, and cost price, which is lower.Gains in capital are advantageous. Not unexpected tax bills. However, in practise, capital gains taxes constitute a necessary (though unwanted) "price of entrance" for investing. More specifically, it's the cost of profitable investing.Capital gain is calculated as the final sale price minus the sum of the transfer and house improvement costs.
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compute monthly breakeven sales in dollars. use the contribution margin ratio approach. select the labels and enter the amounts to calculate the breakeven point in dollars using the contribution margin approach.
The breakeven sales in dollars obtained using the contribution margin approach for Gilbert’s Steel Parts is $753,200.
This question is in complete sentences as follows:
"Gilbert's Steel Parts manufactures automobile parts. The business has $640,220 in fixed monthly costs and an 85% contribution margin on revenues. Calculate Gilbert's monthly breakeven sales in USD. Use the contribution margin method".The breakeven sales in dollars for Gilbert’s Steel Parts is $753,200. Here is how to calculate the breakeven point using the contribution margin method:
Breakeven sales in dollars = [tex]\frac{Fixed Cost}{Contribution MarginRatio}[/tex]
= $640,220
85%
= $753,200
A business's breakeven point is the dollar amount of sales at which it makes neither a profit nor a loss. Based on the calculation above the breakeven sales in dollars for Gilbert’s Steel Parts is $753,200.
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which epeat criteria informs customers about how to carefully dispose of products that need special handling?
Design for end of life is the correct answer, since this criteria informs about the special handling of how to dispose the products that needs special handling.
What is EPEAT criteria?
Electronic Product Environmental Assessment Tool (EPEAT) is an easy-to-use resource for purchasers, manufacturers, resellers and others wanting to find or promote electronic products with positive environmental attributes.
The Dynamic Criteria Development Approach, a novel procedure created by GEC, is used to build the life-cycle-based EPEAT criteria through a balanced voluntary consensus process (DCDP). Openness, balance, due process, the appeals process, and consensus are the five components of a voluntary consensus process that are present in the DCDP.
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which of the following is not a determinant of the price elasticity of demand for a good?
a. The time frame-whether it is in the short run or long run.
b. The number of substitute goods available.
c. The share of a consumer's budget.
d. The amount of income the consumer has.
A determinant of the price elasticity of demand for a good which do not determine price elasticity is c. The share of a consumer's budget.
Price elasticity is a tool used by economists to analyse how supply and demand for a product fluctuate in response to price changes.
Supply has an elasticity, or price elasticity of supply, much like demand. Price elasticity of supply is the correlation between price change and supply change.
It is computed by subtracting the percentage change in price from the percentage change in quantity demand.
The two elasticities work together to determine what products are produced and at what costs.
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the opportunity costs of attending college include the: effort and hard work. potential income that could be earned working. cost of room and board. cost of clothes to wear at school.
The opportunity costs of attending college include the (B) potential income that could be earned working.
What are opportunity costs?The value or advantage forfeited by engaging in a specific activity in comparison to engaging in a different activity is known as the opportunity cost in microeconomic theory. Simply put, it indicates that by choosing one course of action (such as making an investment), you are forgoing the chance to choose another course of action. The best activity is the one that, after deducting opportunity costs, has the highest return when compared to all other activities. For instance, if you purchase a car and use it just for personal transportation, you are not permitted to rent it out; yet, if you do, you are not permitted to use it for personal transportation.Therefore, the opportunity costs of attending college include the (B) potential income that could be earned working.
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Correct question:
The opportunity costs of attending college include the:
a. effort and hard work.
b. potential income that could be earned working.
c. cost of room and board.
d. cost of clothes to wear at school.
additional shares issued to existing owners without an exchange of cash may be in the form of stock or stock
Additional shares issued to existing owners without an exchange of cash may be in the form of stock dividends or stock splits.
Common stock dividends are dividends paid to holders of common stock out of a company's profits. Like other dividends, it is paid in cash or stock. Laws may regulate the amount of common stock dividends, particularly if the payment is a cash distribution equivalent to a liquidation. Stock dividends have the advantage of rewarding shareholders without reducing the company's cash balance. These share distributions are generally made as fractions paid per existing share.
In the US, most dividends are cash dividends. H. Cash payments per his shares to investors. For example, if a company pays him a dividend of 20 cents per share, an investor of 100 shares will receive $20 in cash. A stock dividend is a percentage increase in the number of shares held.
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Which of the following BEST describes the effect inflation has on purchasing power in the United States over the past several decades?
a. $100 today has the same purchasing power as $80 in 1972.
b. $100 today has the same purchasing power as $15 in 1972.
c. $15 today has the same purchasing power as $100 in 1972.
Option 2, which indicates that $100 today has the same purchasing power as $15 in 1972, is the correct response. since inflation is the general rise in prices and decrease in the value of money.)
How does inflation affect one's ability to buy things?
Some consumers' purchasing power is inevitably reduced by unevenly rising prices in an inflationary environment, and this erosion of real income is the single largest cost of inflation. Over time, inflation can also affect the purchasing power of those who pay fixed interest rates and those who receive them.
How much does inflation reduce one's ability to buy things?
The rule is reversed for inflation: It is possible for consumers to estimate how quickly rising costs—for things like rent, energy, food, and other necessities for a household budget—will reduce their savings by half. The Rule of 72 calculates that the 8.3% inflation rate in April reduces the value of consumer currency by roughly nine years.
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