allocate $.Due to the fact that the interest, principal, taxes, and insurance are all included in the monthly payment, budget mortgages assist borrowers in "budgeting" their expenditures.
A budget is a written strategy you create to determine how much money you will spend each month.You can ensure that you have enough money each month by using a budget. You might run out of money before your next salary if you don't have a budget.Allocating limited resources to an organization's prioritised requirements is the process of budgeting.For a governmental body, the budget typically serves as the basis for lawful spending decisions.The Old French term bougette is where the word "budget" comes from. The British chancellor of the Exchequer is referred to as "opening" his budget, or receptacle of papers and accounts, when he presents his yearly financial statement.
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the direct approach could be a good choice for a bad-news message if you expect group of answer choices the customer will be shocked by the news. the news will make the reader angry or upset. the news to be accepted as a routine part of a business relationship. the news will disappoint the reader. to be able to solve the problem within a few days.
The correct option is E, The direct approach could be a good choice for a bad-news message if you expect the news to be accepted as a routine part of a business relationship.
A business relationship refers to the connection between two or more organizations, individuals or groups that have some level of interaction and engagement in the course of conducting business activities. It involves the exchange of goods, services, information, and resources, as well as the negotiation and implementation of agreements and contracts.Business relationships can take many forms, such as partnerships, joint ventures, supplier relationships, customer relationships, and alliances. They are built on trust, mutual understanding, and shared interests, and require effective communication, collaboration, and conflict resolution.
Effective business relationships are essential for the success and growth of organizations. They can lead to increased sales, improved customer satisfaction, better quality products and services, and access to new markets and resources. In addition, strong business relationships can help organizations navigate complex and uncertain business environments, and adapt to changes in the marketplace.
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Complete Question:-
The direct approach could be a good choice for a bad-news message if you expect
a. to be able to solve the problem within a few days.
b. the customer will be shocked by the news.
c. the news will disappoint the reader.
d. the news will make the reader angry or upset.
e. the news to be accepted as a routine part of a business relationship.
the management of mecca copy, a photocopying center located on university avenue, has compiled the following data to use in preparing its budgeted balance sheet for next year: ending balances cash ? accounts receivable $ 9,400 supplies inventory $ 3,200 equipment $ 40,500 accumulated depreciation $ 16,400 accounts payable $ 3,100 common stock $ 5,000 retained earnings ? the beginning balance of retained earnings was $30,000, net income is budgeted to be $20,200, and dividends are budgeted to be $3,300.
The management of mecca copy, center located on university avenue, has compiled net income is budgeted to be $20,200, and dividends are budgeted to be $3,300.
Cash $12,200\s
(Balancing figure) (Balancing figure)
$8,100 in accounts receivable
$3,200
providing stock
aggregate current assets
Plant and machinery:
Hardware $34,000 Less: Depreciation over time: $16,000
Plant and equipment, $18,000 in profit
Assets totaling $41,500
Debits and Equity of Stockholders
current obligations:
Receipts to be made $1,800
Investors' equity
$5k in common stock
$34,700 in retained earnings
$39,700 is the total stockholders' equity.
$5k in common stock
$34,700 in retained earnings
$39,700 is the total stockholders' equity.
$41,500 in total debt and stockholders' equity
Nota: Final Beginning retained earnings + net income – cash dividends paid equals $28,000 + $11,500 – $4,800 = $34,700. Retained earnings balance is calculated similarly.
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a company sells life insurance policies for $573. if the policyholder dies in the next 10 years, then the company will pay out $21,232 to the benefactor. otherwise, the company pays out nothing. what is the expected profit per policy for the company, given that the probability of death for a policyholder in the next 10 years is 0.017?
To calculate the expected profit per policy for the company, we need to take into account the probability of death and the payout amount.
The probability of death for a policyholder in the next 10 years is 0.017, which means that the company expects to pay out $21,232 * 0.017 = $361.44 per policy on average. Therefore, the expected profit per policy is the difference between the premium and the expected payout, which is $573 - $361.44 = $211.56. This means that the company can expect to earn an average profit of $211.56 per policy sold, taking into account the likelihood of death and the payout amount.
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if the prices of goods in europe increase while the nominal exchange rate between the euro and the u.s. dollar remains the same, we say that the u.s. dollar has experienced a:
If the prices of goods in Europe increase while the nominal exchange rate between the euro and the U.S. dollar remains the same, we say that the U.S. dollar has experienced a depreciation.
When the prices of goods in Europe increase, it means that the euro has appreciated in value relative to the U.S. dollar. This can happen due to a variety of factors such as changes in supply and demand, inflation, and interest rates.
In this scenario, the nominal exchange rate remains the same, but the effective exchange rate has changed. The effective exchange rate takes into account the relative prices of goods and services in different countries and provides a more accurate measure of the exchange rate.
A depreciation of the U.S. dollar can have both positive and negative effects on the economy. On the one hand, it can make U.S. exports cheaper and more competitive in foreign markets, leading to an increase in exports and a boost to the economy.
On the other hand, it can make imports more expensive and lead to higher inflation, which can hurt consumers and businesses.
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a third-grade teacher with a congenital hip dislocation wishes to purchase a disability income policy, but she fears she will not be insurable. what option does she have to get coverage? a)she may purchase a policy if she changes her occupation to something less hazardous. b)she may purchase a limited policy that will cover the disability resulting from accidents that happen at her school. c)she will not receive coverage under any circumstances. d)she may purchase a policy with an extra premium to cover any disability that would involve her hip.
Third-grade teacher with a congenital hip dislocation to get disability income coverage is to D) purchase a policy with an extra premium that covers any disability involving her hip. This would allow her to maintain her current occupation and obtain comprehensive coverage for her needs.
A third-grade teacher with a congenital hip dislocation is concerned about her ability to purchase a disability income policy due to her condition. She is considering various options to get coverage. Here is a summary of the possible options and the most suitable one for her situation:
a) She may purchase a policy if she changes her occupation to something less hazardous. This option would involve the teacher changing her job to a different occupation that is considered less risky by the insurance company. However, this may not be the most practical or desirable solution for her, as it could require her to leave a profession she is passionate about.
b) She may purchase a limited policy that will cover the disability resulting from accidents that happen at her school. This option could provide her with some coverage, but it would be limited to specific incidents occurring at her workplace. This might not be the most comprehensive solution, as it would not cover any disability issues that could arise outside of her school environment.
c) She will not receive coverage under any circumstances. This option is incorrect, as there are alternatives available for individuals with pre-existing conditions, such as the teacher with a congenital hip dislocation.
d) She may purchase a policy with an extra premium to cover any disability that would involve her hip. This option is the most suitable for her situation. By paying an additional premium, the teacher could obtain a disability income policy that includes coverage for her pre-existing hip condition. This would provide her with the protection she needs without having to change her occupation or accept a limited policy that only covers specific accidents.
In conclusion, the best option for the third-grade teacher with a congenital hip dislocation to get disability income coverage is to purchase a policy with an extra premium that covers any disability involving her hip (option d). This would allow her to maintain her current occupation and obtain comprehensive coverage for her needs.
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economic growth is determined by group of answer choices resources, technology, and institutions. cultural factors. government spending and taxes. geography and natural resources. population, birth rates, and death rates.
Economic growth is determined by a group of factors, such as resources, technology, and institutions. Therefore, the correct option is option 1.
To understand this, let's break down each component:1. Resources: Economic growth depends on the availability of resources like land, labor, and capital. These resources are essential for the production of goods and services, and their efficient allocation can lead to higher economic growth.
2. Technology: Technological advancements can significantly impact economic growth by improving productivity and efficiency. New technologies can lead to the creation of new industries and markets, which can further drive economic growth.
3. Institutions: Institutions, such as legal systems, financial systems, and education systems, play a critical role in fostering economic growth. Effective institutions can create a stable and supportive environment for businesses and individuals to prosper, leading to higher economic growth.
Other factors, such as cultural factors, government spending and taxes, geography and natural resources, and population, birth rates, and death rates, can also influence economic growth. However, the primary determinants are resources, technology, and institutions. Hence, option 1 is the correct answer.
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is the set of processes and managerial behaviors that involve defining, monitoring, measuring, evaluating, and providing consequences for performance expectations. group of answer choices performance appraisal performance management learning and development socialization
The correct answer is "performance management." Performance management refers to the set of processes and managerial behaviors that involve defining performance expectations.
monitoring and measuring performance, evaluating performance, and providing consequences, such as feedback, rewards, or consequences, based on performance outcomes. Performance management is an ongoing process that aims to align individual and team performance with organizational goals and objectives, and it involves various activities such as goal setting, performance feedback, performance appraisal, and performance improvement.
Learning and development, socialization, and performance appraisal are related concepts, but they are not the specific group of processes and behaviors that involve defining, monitoring, measuring, evaluating, and providing consequences for performance expectations, which is performance management.
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if the supply of school teachers increases over time and people can move freely between being teachers and uber drivers, the neoclassical theory of distribution predicts that, other things equal, the real wages of
The neoclassical theory of distribution predicts that, other things equal, the real wages of school teachers will decrease over time.
According to the neoclassical theory of distribution, the wage rate is determined by the intersection of the demand and supply curves for labor. If the supply of school teachers increases over time, there will be a surplus of teachers in the labor market, and employers will have less incentive to offer higher wages.
Additionally, if people can move freely between being teachers and uber drivers, the increased supply of uber drivers will put downward pressure on wages for all low-skilled jobs, including teaching.
Therefore, other things equal, the real wages of school teachers will decrease over time due to the increase in the supply of teachers and the availability of alternative employment opportunities.
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you are about to sign an interest swap to pay fixed and receive floating. the quote is 4.5-4.7% against libor flat. the principal is 100,000. what is the value of the swap? (please use a fixed rate to discount the cash flows.) round to the nearest us cent (2 decimal places
We must predict the anticipated cash flows based on the LIBOR rate in order to determine the present value of the floating payments. The floating amounts would be: Assuming a 2% flat LIBOR rate, they would be:Year 1: $100,000 times 2.
We must identify the fixed rate at which the present value of the fixed payments is equal to the present value of the floating payments in order to calculate the swap's worth. The fixed payments would be $4,600 a year ($100,000 principal x 4.6% fixed rate), assuming a constant rate of 4.6%. We must discount each fixed payment at the set rate in order to determine the present value of the fixed payments. With a discount rate of 4.6%, the following would be the present worth of the fixed payments:
Year 1: $4,600 / (1 + 4.6%)^1 = $4,395.63
Year 2: $4,600 / (1 + 4.6%)^2 = $4,195.08
Year 3: $4,600 / (1 + 4.6%)^3 = $4,001.98
Year 4: $4,600 / (1 + 4.6%)^4 = $3,815.89
Year 5: $4,600 / (1 + 4.6%)^5 = $3,636.47
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sankey company has earnings per share of $4.00. the benchmark pe is 18.9 times. what stock price would you consider appropriate?
Sankey Company has a $4.00 profit per share. Pe is 18.9 times the standard. The stock price of $75.6 is appropriately Considered.
A share price, also known as a stock price, is the price at which one share of a corporation would be purchased. A share's price is not constant; rather, it changes with the state of the market. The price at which a security was most recently sold on an exchange is known as the "current price."
Buyers and sellers use the current price as a starting point. The share price of a firm is decided by supply and demand in the market once it becomes public and its shares begin trading on a stock exchange. The price of its shares will rise if there is a significant demand for them.
stock price = share x benchmark time
stock price = $4.00 x 18.9
stock price = $ 75.6
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in about 100 words explain who owns, controls and is responsible for any debt, in a sloe proprietorship and in a partnership.
Legally, sole proprietors bear unlimited responsibility for all business debts. Their assets, both personal and business, are at risk.
Who is the sole proprietor of a business?A sole proprietor is a person who owns an unincorporated business on their own. However, if you treat a domestic limited liability company (LLC) as a corporation, you will not be treated as a sole proprietor even if you are the LLC's sole member.
The term "limitless obligation" refers to the full legal liability that business partners and entrepreneurs anticipate for all business obligations. This chance isn't covered, and responsibilities can be paid through the seizure and proposition of owners' own special assets, which isn't equivalent to the renowned confined liability business structure.
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say you own an asset that had a total return last year of 17 percent. assume the inflation rate last year was 3.2 percent. required: what was your real return? (do not include the percent sign (%). enter rounded answer as directed, but do not use the rounded numbers in intermediate calculations. round your answer to 2 decimal places (e.g., 32.16).)
If we own asset which has "total-return" last-year of 17 percent, then real return was 13.37 percent.
The "Real-Return-Rate" is defined as the rate of return on an investment after adjusting for the effect of inflation. It is the rate at which the purchasing power of an investment grows over time, after accounting for the impact of inflation on the value of money.
To calculate the real return, we need to adjust the total return for the effect of inflation.
The formula for finding "real-return" is written as:
⇒ Real return = ((1 + Total return)/(1 + Inflation rate)) - 1 ,
The inflation rate of asset is = 3.2 percent,
The total return last year is = 17 percent,
Substituting the values,
We get,
⇒ Real return = ((1 + 0.17)/(1 + 0.032)) - 1,
⇒ Real return = (1.17/1.032) - 1
⇒ Real return ≈ 0.1337 or 13.37 percent.
Therefore, the real return on the asset was 13.37 percent.
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question 51 pts which statement is correct? group of answer choices a portfolio that contains at least 30 diverse individual securities will have a beta of 1.0. any portfolio that is correctly valued will have a beta of 1.0. a portfolio that has a beta of 1.12 will lie to the left of the market portfolio on a security market line graph. a risk-free security plots at the origin on a security market line graph. an underpriced security will plot above the security market line.
The correct statement is "a risk-free security plots at the origin on a security market line graph." The Security Market Line (SML) graph is a representation of the relationship between risk and return for an individual security or a portfolio of securities.
The SML is a straight line that passes through the risk-free rate and the market return. The risk-free rate is the return an investor can expect to earn on a completely risk-free investment such as a government bond.
Therefore, a risk-free security will plot at the origin on the SML graph, indicating that it has zero systematic risk and an expected return equal to the risk-free rate.
The other options are incorrect. A portfolio that contains at least 30 diverse individual securities will not necessarily have a beta of 1.0. The beta of a portfolio depends on the betas of the individual securities as well as their weights in the portfolio. Any portfolio that is correctly valued will also not necessarily have a beta of 1.0.
The correct valuation of a portfolio does not affect its beta. A portfolio that has a beta of 1.12 will not lie to the left of the market portfolio on the SML graph.
The market portfolio has a beta of 1.0 by definition, so any portfolio with a beta greater than 1.0 will lie to the right of the market portfolio on the SML graph. An underpriced security will not plot above the SML.
The SML represents the expected return of a security based on its systematic risk, and an underpriced security would have a higher expected return for its level of risk, which would cause it to plot below the SML.
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a drug store decides to discontinue its health and beauty section of products because it has been unprofitable. this strategy could backfire because
This strategy could backfire because the store's sales may suffer by not having this convenience category of products.
In marketing, convenience products are those that a business sells that, due to customer demand, require less advertising. Convenience products are things that improve a customer's life and need to be replaced on a frequent basis. Since consumers buy these things frequently, they frequently do so with little thinking or engagement.
They hardly ever compare products because the differences between selections are so minimal. Consumers skip the entire purchase cycle when they buy these things. Consumers frequently purchase convenience goods to fulfil their everyday demands.
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44. a company has sales of $132 million, net income of $24 million, a total asset turnover of 0.84, and a leverage multiplier of 1.6. what is the company\s return of equity, using the dupont formula?
The company's return on equity using the DuPont formula is 24.4%
The DuPont formula is a way to decompose the return on equity (ROE) into three parts: the profit margin, the total asset turnover, and the leverage multiplier. We can use the formula to calculate the company's ROE as follows:
ROE = Net Income / Total Equity
ROE = (Net Income / Sales) x (Sales / Total Assets) x (Total Assets / Total Equity)
ROE = (Profit Margin) x (Total Asset Turnover) x (Leverage Multiplier)
Given the information in the question, we can calculate the three components of ROE as follows:
Profit Margin = Net Income / Sales
Profit Margin = $24 million / $132 million
Profit Margin = 0.1818 or 18.18%
Total Asset Turnover = Sales / Total Assets
Total Asset Turnover = $132 million / Total Assets
We do not have the information on the total assets of the company, but we are given the total asset turnover ratio, which is 0.84. Therefore, we can set up the equation:
0.84 = $132 million / Total Assets
Solving for Total Assets, we get:
Total Assets = $132 million / 0.84
Total Assets = $157.14 million
Leverage Multiplier = Total Assets / Total Equity
Leverage Multiplier = ($157.14 million / Total Equity) x 1.6
Solving for Total Equity, we get:
Total Equity = $157.14 million / (Leverage Multiplier / 1.6)
We are not given the total equity of the company, but we can solve for it using the leverage multiplier, which is 1.6. Therefore, we can set up the equation:
ROE = 0.1818 x 0.84 x (157.14 / (Total Equity x 1.6))
Solving for Total Equity, we get:
Total Equity = $157.14 million / (ROE / (0.1818 x 0.84 x 1.6))
Plugging in the given values and solving for ROE, we get:
ROE = 0.1818 x 0.84 x (157.14 / (Total Equity x 1.6))
ROE = 0.244 or 24.4%
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the perry company reported accounts receivable, net of $65,600 at the beginning of the year and $73,100 at the end of the year. if the company's net sales revenue during the fourth year was $886,000, what are the days to collect during year? (round all calculations to 1 decimal place.)
Receivables Average = Beg Receivables + End Receivables / 2 =65,800+73,000/2 =138,800/2 =69,400
Receivable turnover is calculated as Net Sales/Average Receivables (884,000/69,400 =12.74 days to collect during the year/365/12.7 =28.6 days). A company's legally enforceable claims for payment for goods delivered or services rendered that customers have requested but haven't paid for are referred to as "accounts receivable," also known as "AR" or "A/R." The accounts receivable process includes several processes, including customer onboarding, billing, collections, withholdings, exception management, and eventually cash posting after payment collection. Usually, they come in the form of invoices, which a business issues and sends to the client for payment within a specific amount of time. This accounting transaction is a part of a series that addresses billing a customer for the products and services they have ordered. These can be compared to receivable notes, which are considered legal obligations.
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3) of the four factors that influence asset demand, which factor will cause the demand for all assets to increase when it increases, everything else held constant?
Of the four factors that influence asset demand, A) wealth will cause the demand for all assets to increase when it increases, everything else held constant?
With everything else remaining equal, an increase in wealth will result in an increase in desire for all assets. An individual wealth, represents a measure of their buying power, which is the sum of their assets minus their obligations. The ability to require more assets, like stocks, bonds, real estate, and other investments, grows as their level of income rises.
If supply stays the same, this greater demand will raise asset values, which, all other things being equal, will lead to lower anticipated returns and higher risk. Expected returns, risk, and availability are variables that affect asset demand, but they do not always result in a rise in demand for all assets. For instance, buyers may switch their demand away from other assets and towards the asset with the higher anticipated return if expected returns for a particular asset rise.
Complete Question:
Of the four factors that influence asset demand, which factor will cause the demand for all assets to increase when it increases, everything else held constant?
A) wealth
B) expected returns
C) risk
D) liquidity
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a(n) is a payment by the government to a domestic producer to help lower production costs so they are better able to compete with foreign imports.
A subsidy is a payment by the government to a domestic producer to help lower production costs so they are better able to compete with foreign imports.
What is subsidy?
A subsidy is a financial assistance provided by the government to domestic producers or industries, usually in the form of cash grants, tax breaks, or other incentives. The objective of a subsidy is to lower the production costs of domestic producers, making them more competitive against foreign imports.
Subsidies can be given to producers of specific goods or industries that are considered important for the country's economy or for strategic reasons. For example, a government may provide subsidies to its domestic farmers to increase food production and reduce dependence on imports. Alternatively, subsidies may be given to domestic manufacturers to support the development of new technologies, products, or services that can compete with foreign rivals.
Overall, subsidies are a tool that governments can use to promote domestic production and protect industries from foreign competition. However, they can also lead to market distortions and inefficiencies if not properly designed and targeted.
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Complete question is: A subsidy is a payment by the government to a domestic producer to help lower production costs so they are better able to compete with foreign imports.
arca company reports the following for its product for its first year of operations.direct materials $ 88 per unitdirect labor $ 68 per unitvariable overhead $ 38 per unitfixed overhead $ 103,200 per yearvariable selling and administrative expenses $ 8 per unitfixed selling and administrative expenses $ 58,000 per yearthe company sells its product for $390 per unit. compute gross profit using absorption costing assuming the company produces 2,580 units and sells 2,180 units.
The gross profit using absorption costing assuming the company produces 2,580 units and sells 2,180 units is calculated to be $265,146.20.
To compute gross profit using absorption costing, we need to allocate all manufacturing costs (both fixed and variable) to the units produced.
Total manufacturing cost per unit = direct materials + direct labor + variable overhead + fixed overhead per unit
= $88 + $68 + $38 + ($103,200 / 2,580)
= $88 + $68 + $38 + $40
= $234 per unit
Thus, the total manufacturing cost for 2,580 units produced is:
2,580 units x $234 per unit = $603,720
We also need to allocate the fixed selling and administrative expenses to the units sold.
Total selling and administrative cost per unit = variable selling and administrative expenses + (fixed selling and administrative expenses / units sold)
= $8 + ($58,000 / 2,180)
= $8 + $26.61
= $34.61 per unit
The cost of goods sold (COGS) is the sum of the manufacturing cost and the selling and administrative cost per unit:
COGS per unit = manufacturing cost per unit + selling and administrative cost per unit
= $234 + $34.61
= $268.61 per unit
Thus, the COGS for the 2,180 units sold is:
2,180 units x $268.61 per unit = $585,053.80
The gross profit is the difference between the revenue and the COGS:
Gross profit = Revenue - COGS
= (2,180 units x $390 per unit) - $585,053.80
= $850,200 - $585,053.80
= $265,146.20
Therefore, the gross profit using absorption costing is $265,146.20.
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operation of a hair salon is an example of part 2 a. modularization. b. an assembly line. c. delayed customization. d. automation.
The operation of a hair salon is an example of delayed customization. The correct answer is option c.
Delayed customization refers to a production process where a standard product or service is first produced in a generic form, and then customized or personalized to meet the specific needs or preferences of individual customers.
In the context of a hair salon, the production process typically involves a standard set of services such as haircuts, coloring, styling, and treatments, which are offered to all customers. However, each customer has their own unique hair type, length, color, and style preferences, which require a certain degree of customization to achieve the desired outcome.
For example, a customer may request a specific type of haircut, a certain hair color, or a particular style, which requires the hair stylist to customize their approach to meet the customer's needs.
The delayed customization approach allows hair salons to provide a high level of customer service and customization, while still maintaining efficiency and reducing costs. By offering a standard set of services, hair salons can optimize their resources and streamline their production process. Then, by customizing each service to meet the individual needs of each customer, they can offer a personalized and unique experience that sets them apart from their competitors.
Hence, the correct answer is c. delayed customization.
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natasha skims a few dollars each day from the cash deposit because she feels that she does not get paid enough for the work she does. which contributing factor to fraud does natasha display?
Natasha's behaviour of skimming cash from the deposit indicates she is displaying the contributing factor of rationalisation to fraud.
Rationalisation is a psychological principle related to fraud. Where individuals justify their fraudulent acts by thinking it as a fair compensation for inadequate payment or compensation they receive. Normally, when an individual is seeking self-justification in their mind for performing a fraudulent act, they may rationalize by thinking that stealing a nominal amount would not significantly hurt the employer or that it is "not a big deal."
However, rationalisation does not justify any fraudulent act and there are serious consequences if caught. Therefore, it is crucial to follow professional ethical and moral values while performing any work at a professional level.
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tina secured a loan with a semiannually compounded interest rate. the annual interest rate is 10% compounded over five years. based on this information, what is the interest rate per compounding period?
To find the interest rate per compounding period, we first need to determine the number of compounding periods in a year for a semi-annual compound interest rate. Therefore, the interest rate per compounding period for the loan is 2.44%.
Since semi-annual means twice a year, there are 2 compounding periods in a year. Next, we can use the formula for compound interest to find the interest rate per compounding period:
A = P(1 + r/n)^(nt)
where:
A = the total amount
P = the principal
r = the annual interest rate
n = the number of times the interest is compounded per year
t = the number of years
We are given that the annual interest rate is 10% and the loan is compounded semi-annually over 5 years. Therefore, we have:
r =/ 10% = 0.10
n = /2 (compounded semi-annually)
t = /5
Substituting these values into the formula, we get:
A = P(1 + r/n)^(nt)
A = P(1 + 0.10/2)^(2*5)
A = P(1.05)^10
Now, we can see that the factor (1 + r/n) is equal to (1.05), which means that the interest rate per compounding period is:
r/n = (1.05)^(1/n) - 1
Since n = 2 for semi-annual compounding, we have:
r/n = /(1.05)^(1/2) - 1
r/n = /0.0244 or 2.44%
Therefore, the interest rate per compounding period for the loan is 2.44%.
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what was justin's rationalization to commit fraud? he needed the money to continue living lavishly he felt pressured by his partner to commit fraud he felt entitled to more money other people in the company were getting away with it
Justin's rationalization to commit fraud as he needed the money to continue living lavishly.
The process of rationalization entails creating a false moral justification for the fraud. Since many fraudsters don't see themselves as criminals but rather as honorable, regular people, they must find a way to justify their actions in order to uphold their own moral standards.
In general, there are many ways people can justify committing fraud. A perceived need for money to support a particular lifestyle, peer pressure, a sense of entitlement or dissatisfaction with one's pay, or the conviction that other employees of the company are also engaging in fraud are some examples of common justifications for fraud. Noting that fraud is illegal and unethical, none of these defenses can be used to excuse or defend fraudulent behavior.
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shares in brothers grimm, inc., manufacturers of gingerbread houses, are expected to pay a dividend of $9.00 in one year and to sell for $92 per share at that time. how much should you be willing to pay today per share of grimm under the following circumstances? instructions: enter all responses rounded to two decimal places. a. consider a safe rate of interest of 5.8 percent and assume that investing in grimm carries no risk. grimm's share value would be $ . b. consider a safe rate of interest of 10.8 percent and assume that investing in grimm carries no risk. grimm's share value would be $ . c. consider a safe rate of interest of 5.8 percent, but your risk premium is 4 percent. the share value today would be $ . now assume that grimm is not expected to pay a dividend, but the expected price is unchanged. instructions: enter all responses rounded to two decimal places. d. consider a safe rate of interest of 5.8 percent and assume that investing in grimm carries no risk. grimm's share value would be $ . e. consider a safe rate of interest of 10.8 percent and assume that investing in grimm carries no risk. grimm's share value would be $ . f. consider a safe rate of interest of 5.8 percent and a risk premium of 4 percent. grimm's share value would be $ .
The value of Grimm's shares today depends on the expected future dividend and share price, the risk-free interest rate, and the investor's risk premium.
a. Using the formula for the present value of a future cash flow: PV = CF / (1 + r), where PV is the present value, CF is the future cash flow, and r is the interest rate, we have PV = 9 / (1 + 0.058) = $8.51. Adding the expected share price of $92, the total value is $100.51 per share.
b. Using the same formula with a higher interest rate of 0.108, we have PV = 9 / (1 + 0.108) = $7.84. Adding the expected share price of $92, the total value is $99.84 per share.
c. With a risk premium of 4 percent, the required rate of return is 5.8% + 4% = 9.8%. Using the same formula, we have PV = 9 / (1 + 0.098) = $7.96. Adding the expected share price of $92, the total value is $99.96 per share.
d. Without a dividend, the share value would be the expected future price discounted by the interest rate. Using the formula PV = FV / (1 + r), where FV is the future value, we have PV = 92 / (1 + 0.058) = $87.01.
e. Using the same formula with a higher interest rate of 0.108, we have PV = 92 / (1 + 0.108) = $80.32.
f. With a risk premium of 4 percent, the required rate of return is 5.8% + 4% = 9.8%. Using the same formula, we have PV = 92 / (1 + 0.098) = $84.07.
In summary, the value of Grimm's shares today depends on the expected future dividend and share price, the risk-free interest rate, and the investor's risk premium.
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you are told that the aggregate level of taxes is equal to 100. what is the value of autonomous consumption?
The value of autonomous consumption cannot be determined based solely on the information provided regarding the aggregate level of taxes. More information, such as income and MPC, is needed.
The information provided is not sufficient to determine the value of autonomous consumption. Autonomous consumption refers to the amount of consumption that does not depend on income, such as the consumption of basic necessities. It is not directly related to the level of taxes.
To determine the value of autonomous consumption, more information is needed, such as the individual or household's disposable income, the marginal propensity to consume (MPC), and any other relevant economic factors.
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Full Question : you are told that the aggregate level of taxes is equal to 100. what is the value of autonomous consumption? Image attached
todd, a manager at dexter manufacturing, received a grievance filed by a group of his subordinates who are union members. unable to settle the grievance, both sides agree to enter into arbitration. which of the following questions is least relevant for the arbitrator to ask when establishing the fairness of management's actions? group of answer choices what are the right-to-work guidelines involved? has there been lax enforcement of the rule? were the grievants knowledgeable about the rules? what is the past record of the grievants?
While the two groups are unable to settle the grievances, the least relevant question to the arbitrator while establishing the fairness to the actions of the management will be "What are the right-to-work guidelines involved?"
The correct option is option a.
Human Resource Management or HRM is basically a business management expertise which happens to focus on the hiring, recruiting, training, deploying, as well as managing the employees who are a part of an organization.
Todd who is a manager at Dexter Manufacture got a grievance which were filed by his subordinates. The groups entered into an arbitration. In such case, the least relevant question to them would be "What are the right-to-work guidelines involved?"
Hence, the correct option is option a.
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why do companies use micro-influencers? group of answer choices they are more affordable they tend to have higher engagement they are good for niche or small markets all of the above
Compared to nano-influencers, micro-influencers have a larger audience. Between 10,000 and 250,000 people follow them. Because micro-influencers have a strong specialty audience and a higher engagement rate than influencers with broader followings, brands and marketers adore working with them.
A micro-influencer utilises their social media presence to promote things related to their interests or areas of expertise and has between 1,000 and 100,000 social media followers. Micro-influencers have between 10,000 and 100,000 followers, while nano-influencers have between 1,000 and 10,000 , some characterize them as having 100K or more followers, while others classify micro-influencers as having between 1K and 100K followers. A social media influencer known as a "micro-influencer" with 1,000–10,000 followers. These influencers are renowned for their authenticity and subject-matter knowledge. Micro-influencers are likewise highly favoured due to their dedicated fan base.
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if the owner odf the drugstore hired a manager for $16 an hour to take his place, how much of a change would show up in
The change that would show up in the drugstore is dependent on several factors, such as how much the owner was being paid before he or she decided to hire a manager, and how much money the drugstore generates in sales.
The difference between the owner's wage and the manager's wage will be the key factor to be considered. When a change is made, the change in the drugstore can be calculated by comparing the earnings of the previous owner with the new manager's salary. If the owner was making more than $16 an hour, then hiring a manager for $16 an hour would result in a decrease in the drugstore's earnings. The difference between the owner's salary and the new manager's salary is the change that would appear.
For instance, if the owner was paid $20 an hour, then hiring a manager for $16 an hour would result in a $4 decrease per hour. So, the change that would show up in this situation is $4 per hour.
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at the pre-qualify check, the colleague stationed at production must validate that the ndc on the label matches the ndc on the prescription bottle. which numbers are most critical to match?
At the pre-qualify check, the colleague stationed at production must validate that the NDC on the label matches the NDC on the prescription bottle. The numbers that are most critical to match are the first ten digits of the NDC number.
The first ten digits of the NDC number consist of the labeler code, product code, and package code.The National Drug Code (NDC) is a unique identifier for prescription and over-the-counter drugs that is assigned by the Food and Drug Administration (FDA). The NDC number is a 10-digit code that includes three segments: the labeler code, product code, and package code.The labeler code is the first five digits of the NDC number and identifies the manufacturer, packager, or distributor of the drug product.
The product code is the next four digits and identifies the specific drug product, strength, and dosage form. The package code is the last one digit and identifies the package size and type.For example, the NDC number for Advil Liquid Gels 200mg is 0573-0207-30. In this example, the labeler code is 0573, the product code is 0207, and the package code is 30.
The labeler code is critical to match because it identifies the manufacturer, packager, or distributor of the drug product. The product code is critical to match because it identifies the specific drug product, strength, and dosage form. The package code is critical to match because it identifies the package size and type.
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mr. collins is strongly suspected of embezzling money from his employer. he has denied the allegation. to determine whether he is lying, investigators are most likely to ask mr. collins to take a(n) test.
Mr. collins is strongly suspected of embezzling money from his employer, he has denied the allegation.To determine whether he is lying, investigators are most likely to ask Mr. Collins to take a polygraph test.
Polygraph test is also known as a lie detector test, it is a test that examines and records physical indicators such as blood pressure, pulse, respiration, and skin conductivity while a person is questioned. The polygraph test was originally created as a method of determining whether a person was telling the truth or lying, however, it's accuracy has been questioned and is not always accepted in legal settings.
A polygraph is a machine that detects deception by measuring a person's physiological responses, the results of the test are based on changes in the physiological responses of the person being tested when answering the questions. Polygraph tests are commonly used by law enforcement officials and security professionals in various settings to assess the honesty of people who are suspected of criminal activity.
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