The benefit of paying discount points as part of the closing costs will let you to pay an initial fee in exchange for a lower interest rate.
In most cases, you can trade off how you pay for your mortgage and closing costs by using points and lender credits. In exchange for paying an initial fee, points, also known as discount points, lower your interest rate. Your closing costs will be lower if you accept a higher interest rate in exchange for lender credits.
Why do some borrowers opt to pay discount points on their mortgages?Borrowers who are using their savings to make a down payment but don't want to pay more up front can benefit from these credits. Due to the fact that lenders typically charge a variety of closing costs, decreasing the initial cash payment can alleviate some financial strain.
Who will pay for the discount points?In exchange for a lower interest rate, mortgage points—also known as discount points—are fees paid directly to the lender—usually a bank—by a homebuyer. Another term for this is "buying down the rate." In essence, you get a lower interest rate over the course of your loan in exchange for paying some interest up front.
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Natural monopolies occur when Group of answer choices government antitrust laws are too weak or not enforced a public good is produced by a private firm firms collude to set prices and divide the market among themselves one firm can service the market more cheaply than two or more firms can negative externalities are present
Natural monopolies occur when one firm can service the market more cheaply than two or more firms can. Hence, option (d) will be regarded as correct option.
Give a brief account on natural monopoly.When a single business can provide a good or service at a lower cost than any potential rival and in sufficient quantity to cover a market, natural monopolies are permitted. A natural monopoly is useful in many circumstances because it effectively makes use of the limited resources available to a business to provide consumers with the lowest unit price.
A natural monopoly, for instance, exists in the utilities sector. The utility monopolies provide cities and towns all throughout the nation with water and sewage services, power transmission, and energy distribution services like retail natural gas delivery. The distribution of utility plants' goods as well as their establishment come with significant start-up costs. As a result, the capital expense serves as a formidable barrier for potential rivals.
A railroad corporation is an additional instance of a natural monopoly. Government sponsorship of the railroad business means that its natural monopolies are permitted since doing so makes it more efficient and serves the interests of the general public. The sector also can't support more than two large competitors due to the special resources required, such as land for railroad tracks, train stations, and their expensive structures. Search engines, social media sites, and internet retailing are more recent instances of natural monopolies.
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The general partner of an oil and gas drilling program might be considered to have a conflict of interest for all of the following reasons except A) owning mineral rights on undeveloped adjacent land. B) commingling the funds of several different programs. C) borrowing funds from the partnership. D) managing the partnership.
The general partner of an oil and gas drilling program might be considered to have a conflict of interest for all of the following reasons except managing the partnership. Hence, option (d) will be considered as correct.
Give a brief account on general partnership.A general partnership can be regarded as a type of business organisation when two or more people concur to divide the duties, resources, earnings, and fiscal and legal liabilities of a jointly owned company. In a general partnership, partners consent to accepting virtually limitless personal liability. Liabilities are not limited, as they would be in a partnership that has been constituted as a limited liability partnership or a limited liability company (LLC), for example. The assets of an owner may be seized, and partners are accountable for the debts. In addition, any partner could be held liable for the company's debts. A general partnership is a pass-through organisation, meaning that all revenue accrues to the owners directly. As such, each partner must record their portion of partnership gains or losses on their individual tax returns.
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How did the stock market crash affect banks and businesses?
The stock market represents investor confidence; a fall might seriously harm economic expansion. Funding for operations and growth is less available for businesses.
What is the stock market?The word "stock market" refers to a number of exchanges where shares of publicly traded businesses can be bought and sold. Such financial transactions take place on formal exchanges and in over-the-counter (OTC) markets, which are governed by a specific set of rules.
Companies can trade openly on stock exchanges and raise money in this way. It is exchanged in a controlled, secure environment where ownership and capital transfers take place. Capital is encouraged by stock markets. Companies can increase their operations, hire more employees, and boost the economy by obtaining finance.
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Which events occurred in Florida before the stock market crash and helped bring about the Great Depression
Hurricanes often hit the United States between 1926 and 1928. Floridans had therefore started to experience difficulty prior to the stock market crash, which sparked the Great Depression in 1929.
A stock market, also known as an equity market or share market, is the collection of individuals who buy and sell stocks, also known as shares, which represent ownership stakes in corporations. These securities may be listed on a public stock exchange or only traded privately, such as shares of private corporations that are offered to investors through equity crowdfunding platforms. An investing plan is often included when making an investment. The buying and selling of shares, bonds, and other securities takes place on a stock exchange. Stocks from several big businesses are traded on a stock market. This increases the stock's liquidity and, as a result, its allure to many investors. Additionally, the exchange could guarantee settlement.
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What is a command and control economy How is it different from a free market economy?
In a command and control economy, governments enjoy the factors of product and set prices and product schedules. In a request frugality, prices are set by force and demand.
Utmost nations operate largely as a command or request frugality, but all include aspects of the other. A command frugality, also known as planned economy, is one in which the central government plans, organizes, and controls all profitable conditioning to maximize social weal.
Instead of free-request husbandry, command and control economy don't allow request forces like force and demand to determine products or prices. In a command frugality, any resource can be mandated to work with any other resource. This makes it easier to produce products on a larger scale because all coffers, not just personalized business ones, are laboriously working to profit society.
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A buy limit order for 200 shares of XYZ is entered on the designated market maker's book at 21. XYZ trades ex-dividend after the order is entered. The dividend is $1.32. The order will now appear on the designated market maker's book at what price?
[A] $19.50
[B] $19.68
[C] $19.75
[D] $22.32
XYZ trades ex-dividend following the entry of the order that designated market manufacturer's book will now show the order at $19.68.
Why has trading been halted?There are a variety of causes for suspended trading, including: absence of up-to-date, accurate, or sufficient information about a corporation, as in the case of late filing for periodic reports. There are concerns over the veracity of publicly available material, especially the information in recently released news releases.
What significance do dividends have?Stocks that pay dividends give investors a method to get paid during uncertain market times when capital gains are challenging to realise. They might offer some protection from inflation, particularly if they continue to expand over time. A reporting organization should credit dividends payable on the declaration date and debit retained earnings (or any other suitable capital account from which the dividend will be paid) to record a dividend.
As a result of the dividend of $1.32, the maximum price of 21 will be changed to $19.68 (21 less $1.32).
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In the following list of jobs, which one is least likely to be taken over by automation? A) clerical jobs B) jobs that require unskilled labor C) assembly-line jobs D) knowledge-work jobs that require creativity and problem solving E) bookkeeping jobs
I think the correct answer is D
a rich country that opened its borders to trade with a poor country would cause in the long run?
In addition to increasing efficiency, international trade also enables nations to take part in a global economy.
when a wealthy nation and a developing nation sign a free trade agreement?According to the Samuelson Critique, if a rich country and a poor country engage into a free trade agreement that lowers wages in the richer country, the reduced prices that the inhabitants of the richer country pay may not be enough to generate a net gain for that economy.
What consequences does global trade have?International commerce frequently results in price drops for consumer products, boosting the welfare of citizens in importing nations. Greater welfare improvements may result from lower consumption expenses than from changes in income.
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What are 4 characteristics of a command economy?
The government regulates wages and prices, there are few property rights, important companies and industries are owned by the government, and there are active black markets are command economy.
What is command economy ?The central authority uses its power to determine what goods and services will be produced, how much will be produced, the prices of these goods and services, and how the goods and services will be distributed. In a command economy, the government decides what resources are available and how they are to be used. The government also decides the roles of individuals in the economy, including what jobs they have and what wages they will receive. In a command economy, the government owns and controls the means of production and makes decisions based on what it believes is best for the nation. This type of economy is often seen in socialist and communist countries, where the government has a great deal of control over the economy.
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Which of the following is not considered a limitation of cost-plus pricing? Select one: O a. The model does not guarantee that customers will pay the price computed. o b. Sales volume plays a large role in determining per unit costs. c. It is difficult to compute O d. The model does not give consideration to the demand side.
It is not thought of as a constraint of cost-plus pricing that something is difficult to calculate.
A cost is the amount of money that was spent on producing an item or providing a service but is no longer available for use in production, research, retail, or accounting. The total cost of the transaction is considered while determining the acquisition cost. The majority of fixed expenses are expenditures that depend more on timing than they do on production or sales. Some examples of fixed costs include rent and leasing fees, salaries, energy bills, insurance premiums, and loan repayments. Taxes that are related to business license, for example, are fixed expenses as well. Cost is the amount of money spent by a business to produce or manufacture goods or services.
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6) An investment will pay $5,000 at the end of each year for 25 years and on the date of the last payment will also make a separate payment of $40,000. If your required rate of return on this investment is 5%, how much would you be willing to pay for the bond today
An investment will pay $5,000 at the end of each year for 25 years and the last payment will also make a separate payment of $40,000. If your required rate of investment is 5%, the amount will be $82281.83.
What is an easy way to define investment?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.
How Do Investments Operate?The simplest way to understand how investing works is to acquire an asset for a low price and then sell it for a higher price. This type of investment return is referred to as a capital gain. One strategy to make money investing is to generate returns by achieving capital gains or selling assets for a profit.
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What is the underlying theme about good and evil in The Strange Case of Dr Jekyll and Mr Hyde?
The character of Dr. Jekyll is that of a physician who, in his quest for identity and in an effort to free his "evil" side, makes the error of dividing himself into two entities with entirely different moral and ethical standards.
Henry Jekyll has understood the ambiguity that every person experiences in the literary novel "Henry Jekyll," where a man must balance his good and bad personalities. This burden overwhelms him to the point that he wants to rid himself of the evil part using a formula he invented, with the help of which he creates two entirely different beings: on the one hand, the renowned and esteemed doctor Jekyll, who typically considers the benefit of others, and on the other hand, Mr Hyde.
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Which type of malicious entity is most likely to launder the proceeds of illegal activities through online gambling sites
Organized crime groups are most likely to launder the proceeds of illegal activities through online gambling sites.
These groups are often involved in a wide range of illegal activities, such as drug trafficking, human trafficking, and money laundering, and may use online gambling sites as a way to move large amounts of money quickly and discreetly.
Additionally, online gambling sites are particularly attractive to these groups because they are often based in jurisdictions with weak regulatory oversight, and can be difficult to track or monitor. Organized crime groups may also use online gambling sites to launder money in small, incremental amounts, making it harder for authorities to detect the activity.
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What classification would BEST describe a millionaire who moved their bank accounts out of the country in order to evade paying taxes
Millionaire move their account out of country to evade taxes from upper world crime.
A compulsory contribution to state revenue, levied by the government on workers' income and business profits, or added to the cost of some goods, services, and transactions. Taxes are compulsory contributions that a government agency, whether local, regional, or federal, imposes on people or businesses. Public works and services like roads and schools, as well as programs like Social Security and Medicare, are funded by tax income.
Therefore, the option D is correct.
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Full Question ;
What classification would BEST describe a millionaire who moved their bank accounts out of the country in order to evade paying taxes?
A organizational crime
B deviant crime
C corporate crime
D upperworld crime
WOULD YOU RATHER
1. EAT A DOG
OR
2. STAY IN A ROOM WITH 15 SNAKES!!
Answer:
stay in a room w 15 snakes lol
Explanation:
i just could not eat a dog :((
Which of the following is not listed as a way to encourage ethical behavior at the organizational level?
A. Social responsibility audits
B. Shareholder analysis
C. Analysis of mission and goal statements
D. Ethics training
B). Shareholder analysis is not listed as a way to encourage ethical behavior at the organizational level.
Shareholder analysis refers to the financial analysis of a company's stock performance. This analysis is typically done to evaluate the company's financial health and does not have anything to do with encouraging ethical behavior.
Social responsibility audits, analyzing mission and goal statements, and ethics training are all viable ways to encourage ethical behavior in an organization. Therefore the correct answer is option b which is Shareholder analysis.
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compare the following to dtermine which is not a way that companies can reduce the risk of new product failures
Companies can save money by including customers in the product development process early on and getting their buy-in commitment. Alternatives exist. Some corporations are asking for new product ideas from customers and pursuing the most popular ones.
Companies aim to create what clients want, when they want it, without overstocking. Given customers' rapidly changing preferences, variety of needs, and micro-segmentation of numerous product categories, manufacturing nirvana is becoming harder to achieve. Many consumer goods companies must now serve niche markets to thrive and avoid price competition.
Forecasting new product specifications and sales volumes are growing harder. New goods generally fail at 50% or more, according to recent studies1. Misunderstanding client needs is to blame. Thus, many new goods fail due to market failure, not technological issues. Thus, studies have indicated that timely and trustworthy client preferences and requirements are the most crucial information for product creation. 2 Many firms have invested heavily in traditional market research to gather such data, albeit often unsuccessfully.
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The right way of asking this question is:
Compare the following to determine which is NOT a way that companies can reduce the risk of new product failures.
A. carefully listen to the customer for new product ideas
B. understand current market trends to anticipate demand
C. be willing to fail on occasion
D. anticipate changes in the marketplace
E. skip steps in the development process to market a product sooner
Rather than looking at the efficiency of overall market functioning, cluster theory focuses on the effectiveness of securing market share by regions or areas. True False
It's accurate Cluster theory focuses on the efficiency of securing market share by regions or areas, as opposed to the efficacy of how well the market as a whole functions.
What is the primary purpose of financial markets, and who typically benefits from them when they work well?Because the individual making the investments and the person selling their assets or fund are two separate people, the financial market serves the purpose of risk sharing.
An explanation of market share?Market share is the percentage that a company receives from a customer's overall purchases of a good or service. In other words, if 100 soaps are purchased by customers as a whole, and 40 of those soaps come from a single manufacturer, that manufacturer owns 40% of the market.
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What are 3 tips for investing?
Do your research, diversify your investments, and develop a strategy are 3 tips for investing.
1. Do your research: Researching investments and understanding the risks involved is essential for success. You should research the type of investment, the company involved in the investment, the industry trends and any other information that could have an impact on the success of the investment.
2. Diversify your investments: Diversification is key to risk management. You should diversify your portfolio by investing in different asset classes, such as stocks, bonds, mutual funds, exchange-traded funds (ETFs), and real estate. Each asset class carries different levels of risk and returns, and diversification helps to reduce risk and maximize returns.
3. Develop a strategy: Developing a strategy is key to successful investing. You should determine your investment goals, timeline, and risk tolerance before making any investments.
You should also develop a plan for how to manage your investments, including when to buy and sell, as well as how to monitor your investments for any changes in the market. Following a strategy can help you stay on track with your investing goals.
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the cooperative organization of work into specialized tasks and roles is the_________ A) planning B) organizing C) outsourcing D) leading
D) leading, the cooperative organization of work into specialized tasks and roles is the leading. An organization type is a framework that describes how actions take place inside an organization to meet its objectives.
An organization is a collection of individuals who cooperate, such as a firm, neighborhood association, charity, or union. The term "organization" may be used to describe a person, a group, a business, as well as the process of creating or developing anything. A firm, institution, or group that consists of one or more individuals and has a specific goal is known as an organization (Commonwealth English; see spelling variations). A group of two or more people who pool their resources in support of a single aim or purpose is called an organization.
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Who decides in a free enterprise system what products and services are provided?
The customer chooses the products and services they will purchase, as well as from whom, under a free-enterprise economy.
In a free-enterprise system, private enterprises or businesses may run their operations without interference from the government; the market determines their goods, pricing, and services, and they are free to compete with other businesses. Consumers are also free to choose who to buy from and the services or items to use based on their own interests.
A free-market system enables the establishment of several businesses that can compete for the patronage of customers.
It describes an economy where the market, as opposed to the government, sets pricing for goods and services.
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If investment changes because of a change in a factor other than the price level, then the a. AD curve shifts. b. the economy moves from one point on a
If investment changes because of a change in a factor other than the price level, then the a. AD curve shifts
An AD curve represents the relationship between the price level and the level of aggregate demand in an economy. However, a change in a factor other than the price level, such as a change in consumer confidence or government spending, will also cause the AD curve to shift. This is because these factors can affect aggregate demand, and therefore the relationship between the price level and aggregate demand.b. the economy moves from one point on a AD curve to another point on the AD curve. This is not a complete sentence or a statement, so it is not clear what it means. But in general, when an AD curve shifts, it means that the economy is moving from one point on the AD curve to another point on the AD curve. This can happen due to changes in factors other than the price level, such as a change in consumer confidence or government spending.
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which of following which is not one of the guidelines for effective change management i.e. 5 step change management model. a. Evaluate b. Enroll c. Engage d. Execute
Execute is not one of the guidelines for effective change management i.e. 5 step change management model.
What Exactly Is a Change Management Model?Concepts, theories, and approaches used in change management models offer an in-depth approach to organizational change. They are meant to serve as a manual for implementing changes, navigating the transformational process, and guaranteeing that changes are accepted and put into action. The underlying assumption is that for successful change to occur, the following five components must be present: vision, skills, incentives, resources, and an action plan.
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Matt's wife is in the Army and has received orders to a military installation 2000 miles away. Matt resigns from his current job and he and his wife move across the country. Matt then actively searches for similar positions near the military installation where his wife is working. What type of unemployment is Matt experiencing
The answer to the type of unemployment Matt is experiencing is frictional unemployment.
The frictional unemployment period is the span of time between quitting a job voluntarily and finding another. As a result, it is frequently referred to as search unemployment, even though it also takes into account employment gaps caused by changing jobs. One of the three major types of unemployment, along with structural and cyclical unemployment, is frictional unemployment. Better job possibilities, services, pay, unhappiness with the prior position, strikes by labor unions, and other non-unionized work activities are some of the factors that contribute to frictional unemployment. Because jobs and workers are both diverse, there might be a mismatch in the features of supply and demand, leading to frictional unemployment.
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The process of connecting jobs and departments into a coordinated, cohesive whole is known as:
a. structuring. b. enlargement. c. simplification. d. integration.
The process of connecting jobs and departments into a coordinated, cohesive whole is known as integration.
What is integration?Integration is a process of merging several small components or information from different subsystems together under a system that functions as one.
In business, there are five different types of integration such as - Horizontal integration, Vertical integration, Forward integration, Backward integration, and Conglomeration.
Horizontal integration is a process where businesses from the same industry which are at the same stage of production are merged to grow the market share.
Vertical integration is a process where a business merges with another similar business that is at the earlier stage of production.
Forward integration is a process where a business merges with another business that is further up in its supply chain.
Backward integration is a process where the business is merging another business that operates earlier in its supply chain.
Conglomeration is the process where a business acquires different unrelated firms together to diversify and expand the business in different areas.
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Because a monopolist must lower its price in order to sell another unit of output,
a. marginal revenue is less than price.
b. long-term economic profits will be zero.
c. total revenue increases as price increases.
d. average revenue is less than price.
Answer:
A. marginal revenue is less than price.
Explanation:
Use the process flow diagram to determine which of these events has the greatest net benefit Station A 1 worker 8 minutes Station B 1 worker 7 units/hr Station C 1 worker 6 units/hr Station D 1 worker 9 minutes. O A. reducing the flow time at Station D from 9 to 8 minutes O B. increasing the capacity at Station B to 8 units per hour O C. increasing the capacity at Station C to 7 units per hour O D. reducing the flow time at Station A from 8 to 7 minutes
The correct answer to the given question about process flow diagram has the greatest net benefit Station A is option C) increasing the capacity at Station C to 7 units per hour.
A process flow diagram (PFD) is a sort of flowchart that shows how important parts of an industrial facility relate to one another. It is used to model new processes, enhance existing ones, and document existing ones. It may also be known as a Process Flow Chart, depending on its purpose and content. They use a variety of symbols and notations to represent a process. Equipment numbers and brief (a few words) descriptions are frequently included on PFDs, along with material and energy balances, equipment sizes (often rough or preliminary), building materials, flow direction arrows on pipelines, and simplified key process control loops. A project's net benefit is calculated by adding up all of its advantages and deducting all of its expenditures. Unlike the relative metrics supplied by the B/C ratio, this output provides an absolute amount of benefits (total dollars). Projects with comparable B/C ratios can be ranked using net benefit.
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An investor with no other positions buys 1 CDE May 65 put at 3.50. If the investor buys the stock at 63.50 and exercises the put, what is the investor's profit or loss
The investor will face a loss of $200. Due to the fact that the investor lost 2 after paying a premium of 3.50 for a gain of 1.50. Hence, option (c) can be considered as the suitable choice of answer.
How does the stock market works?A financial instrument called a stock gives investors ownership in a firm or corporation as well as a proportionate claim to the company's assets and profits. A shareholder who holds stock as a percentage of the total outstanding shares of the company is said to own a portion of the business. By offering stock, or equity, to investors on the stock market, businesses can raise money. Owners of stock retain a claim on the company's earnings in the form of dividends, capital gains, and voting rights. To purchase and sell shares in a public market, individual and institutional investors congregate on stock exchanges. When you purchase stock on the stock market, you do not do it directly from the company; rather, you purchase it from an existing shareholder.
To solve the question :
Premium paid = 3.50
Gain = 1.50. ( As he plans to sell it for 65 when it is currently worth 63.50)
(Premium - Gain) = (3.50 - 1.50) = 2
Due to the fact that the investor lost 2 after paying a premium of 3.50 for a gain of 1.50 (2 × 100 = $200).
Hence, the investor will face a loss of $200.
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The complete question is mentioned below :
An investor with no other positions buys 1 CDE May 65 put at 3.50. If the investor buys the stock at 63.50 and exercises the put, what is the investor's profit or loss?
A) $200 profit
B) $350 profit
C) $200 loss
D) $350 loss
What are the 4 requirements for production of goods and services?
The concept in question is Production, that is, the process of combining various input elements, both tangible and intangible, to create an output product. The answer is land, labor, capital, and entrepreneurship.
Production is the process of producing goods and services to meet human needs. Manufacturing is the process of producing goods and services to meet human needs.
The four factors of production are land, capital, labor, and organization. Land includes all natural resources used to produce goods and services; everything that comes from the earth.
Labor is the effort people put into producing goods and services. Capital is a factor of production produced for use in the production of other goods and services.
Entrepreneurship is the undertaking of new business ventures that can eventually become profitable ventures. Factors of production are the inputs used to produce a good or service to generate income.
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Miriam works at the ballpark. She gets paid $45 each day she works. She is given a 10% raise for being a good employee.If she works 20 days next month, how much will she earn
The correct answer to the given question about Miriam's earnings is option B) $990
convert 10% to decimal then multiply = 0.10 × 45.00 = 4.5
= 4.5 + $45.00 = 49.5
49.5 × 20 days =$990
The net advantages of a corporation's operations are its earnings. Additionally, earnings are the source of corporation tax obligations. EBIT - earnings before interest and taxes and EBITDA are two more precise words that are used for an analysis of particular areas of corporate operations - earnings before interest, taxes, depreciation, and amortization. There are other other names for earnings that are frequently used, including income and profit. Depending on their context and the writers' goals, these phrases themselves have a wide range of definitions. For instance, the firm reports profit as the amount remaining after taxes, whereas the IRS uses the term profit to denote earnings.
Question
Miriam works at the ballpark. She gets paid $45 each day she works. She is given a 10% raise for being a good employee. If she works 20 days next month, how much will she earn?
A) $900
B) $990
C) $1000
D) $1100
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Answer: b 990
Explanation: