3. Categories of expenditures Nick and Rosa Bethanasamy live in Swarthmore, PA. Rosa's father, Tim, lives in Sweden. For each of the following transactions that occur in their lives, identify whether
Answers
Categories of expenditures refer to the classes of spending that a person engages in to cater to their needs and wants. They include food, clothing, shelter, healthcare, education, transportation, and entertainment. Nick and Rosa Bethanasamy are residents of Swarthmore, PA, and Rosa's father, Tim, lives in Sweden. The following are some of the transactions that occur in their lives.
1. Nick and Rosa purchase a home in Swarthmore. This transaction falls under the shelter category of expenditures. It is a significant purchase that involves a substantial amount of money and has a long-term effect on their financial well-being.
2. Tim pays for Rosa's college tuition in Sweden. This transaction falls under the education category of expenditures. It is an investment in Rosa's future and is likely to yield returns in the form of higher earnings.
3. Nick buys a new car. This transaction falls under the transportation category of expenditures. It is a significant purchase that involves a considerable amount of money and has a long-term effect on their financial well-being.
4. Rosa goes on vacation to Hawaii. This transaction falls under the entertainment category of expenditures. It is a discretionary expense that is not essential for their well-being but contributes to their overall quality of life.
In conclusion, Nick and Rosa's expenditures fall under various categories, including shelter, education, transportation, and entertainment. It is essential to categorize expenses to keep track of spending and ensure that they align with their financial goals.
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Related Questions
What economic system emerged during the industrial revolution.
Answers
Answer:
Capitalism
Explanation:
none of these strategies suggest transferring your medical debt onto a credit card or taking out a short-term loan to cover the costs. why do you suppose that’s the case?
Answers
High-interest credit cards and short-term loans may make debt repayment harder. This increases financial stress and makes debt repayment tougher. not everyone can pay medical debt with a credit card or loan. Credit cards and loans may be hard to get for persons with bad credit or no credit.
What is medical debt?Generally, There are several reasons why transferring medical debt onto a credit card or taking out a short-term loan may not be the best option for dealing with medical bills.
First, credit cards and short-term loans often have high-interest rates, which can make it difficult to pay off the debt in a timely manner. This can lead to even more financial stress and make it harder to get out of debt.
Second, using a credit card or loan to pay off medical debt may not be feasible for everyone. Some people may not have access to credit or may have a poor credit score, which could make it difficult to qualify for a credit card or loan.
Finally, it's important to carefully consider all of your options before making a decision about how to pay off medical bills. There may be other strategies that are more effective for your specific situation, such as negotiating with the hospital or working with a medical billing advocate.
It's always a good idea to talk to a financial advisor or healthcare professional before making a decision about how to pay off medical debt. They can help you understand your options and provide guidance on the best course of action for your situation.
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CQ not found
what is the difference between a credit report and a credit score?
Answers
Your credit report summarizes your credit history for potential lenders and creditors. Your credit score is a three-digit number that ranges from 300 to 850 and represents your overall credit risk at a glance.
What do you mean by credit report?A credit report is a declaration that contains details about your credit background and current credit situation, including information on how well you've paid your debts and the condition of your credit accounts.
Lenders will pay close attention to your credit score when you apply for the majority of loans. This three-digit number is crucial in determining whether you qualify for loans, credit cards, apartment rentals, and other financial products.
Therefore, Your credit report summarizes your credit history for potential lenders and creditors. Your credit score is a three-digit number that ranges from 300 to 850 and represents your overall credit risk at a glance.
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Pls help me answer these 2 questions for my Econ Test on Tuesday plzzzz!!!!
1) What is the difference between Fixed Resources and Variable Resources?
2) What is the difference between Short Run and Long Run?
Answers
Answer:
1: A fixed resource is any resource that will always be available with a room arrangement where as Variable resources are electricity producers whose output amount and availability can vary due to the nature of fuel being used - for example, wind, solar, or run-of-river hydro. .
2: The short run is a period of time in which the quantity of at least one input is fixed and the quantities of the other inputs can be varied where as the long run is a period of time in which the quantities of all inputs can be varied.
Explanation:
hope it helps!
Question 10 of 20
What is the difference between a market economy and a command
economy?
A. A market economy is determined by central authority and a
command economy is determined by consumers,
B. A market economy is determined by consumers while a command
economy is determined by both consumers and central authority
C. A market economy is determined by both central authority and
consumers while a command economy is determined by only
consumers
D. A market economy is determined by consumers and a command
economy is determined by central authority,
Answers
Which of these is most closely associated with an economic recession? *
1.an increase in stock prices
2.an increase in consumer spending
3.a decrease in the demand for labor
4.a decrease in the minimum wage
Answers
Answer:
3. a decrease in demand for labor
Explanation:
Economic recession is associated with the significant loss of economic activity. The economic activity includes like Goss domestic production, income, industries and wholesale.
The recession may be for the short and long term and be followed by a raid r a slow recovery. Such as economic slowdown after the corona affected nations and indirectly affected the wages and salaries of the workers and laborers.Hence the option 4 is correct.
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Why should you notify your bank and credit card companies if you suspect you are a victim of identity theft?
They can freeze your accounts to help prevent loss.
They can freeze your Social Security number for you.
They can prosecute people who have stolen your identity.
They can ensure you get a job after the investigation
Answers
They can freeze your accounts to help prevent the loss, thus Option A is the answer.
as we notify the responsible institutions they will freeze your accounts, to prevent fraudulent activity that could be done with the account in name of the actual account holder, that targets your security as thief could make illegal payments which could be a national threat to your name . so it's important to notify banks to tell about the activities that are done in past days from your bank account.
Identity theft can be so brutal as your information could be transferred to illegal groups that can harm you, and cause you a very high financial loss which is not right.
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You should notify your bank and credit card companies if you suspect you are a victim of identity theft because they can freeze your accounts to help prevent loss. The correct option is A.
What is the difference between a bank and credit card?Your bank account is connected to your debit card. Unless you have an overdraft, which is a form of credit linked to your account, the money you spend or withdraw is typically yours. With a credit card, you have access to a pre-set credit limit through a separate account.
Your bank or credit card provider can act right away to safeguard your accounts and stop any unauthorized transactions after you report the theft. Your accounts may be frozen, your cards may be canceled, and new cards may be issued. By doing this, individuals can contribute to limiting the harm identity theft causes and stop further monetary loss.
Thus, the ideal selection is option A.
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What was the most important message that BTS taught you personally?
I think it was definitely to be more confident in myself and not care about what people think. I think the song that I loved the most was 21st century girl, it really boosted my love and admiration for myself as a girl, in a society (where I live )where we aren’t considered much. Words like “you’re worth it” really stuck with me. So to sum it up , they taught me to love myself for who I was, to stand up for what I think is right and not care about what people think of me, or the fact that they don’t think much of me because I’m girl, lol.
(What about you ARMY)
Answers
I remember being really shy and I kept everything to myself, but BTS taught me to open up more and love myself and believe in what I can do, as well as not let people bring me down with just words, that is why I like listening to songs like MIC Drop, Not Today, and ON
What is the format of planning? Explain
. Why is the format of planning necessary?
Answers
Answer: The format provides you with a framework for presenting your thoughts, ideas and strategies in a logical, consistent and coherent manner. In other words the business plan format helps you to clarify your own ideas and present them clearly to others.
Explanation:
Under CERCLA, as amended, the rule that regardless of whether hazardous contamination is the result of the landowner's actions or those of others, the owner can be held responsible for the cleanup, A) applies to all property owners who have conducted a title search before the purchase of the property. B) does not apply to a subsequent purchaser to avoid creating a restraint on alienation of the property. C) applies only when the landowner has actual knowledge of the contamination. D) does not apply to someone who is an innocent landowner
Answers
Under CERCLA, as amended, the owner can be held responsible for the cleanup does not apply to someone who is an innocent landowner.
The Comprehensive Environmental Response, Compensation, and Liability Act (CERCLA) is a federal law in the United States that addresses the cleanup and liability of hazardous substances. Under CERCLA, there is a principle called strict liability, which holds that landowners can be held responsible for the cleanup costs of hazardous substances, even if they were not directly involved in causing the contamination.
However, there is an exception known as the innocent landowner defense. This defense applies to landowners who can demonstrate that they had no knowledge of the contamination and took reasonable steps to prevent it. Therefore, someone who is an innocent landowner, meaning they had no knowledge of the contamination and took appropriate precautions, would not be held responsible for the cleanup costs under CERCLA.
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Sheridan Company took a physical inventory on December 31 and determined that goods costing $225,000 were on hand. Not included in the physical count were $24,200 of goods purchased from Pelzer Corporation, FOB shipping point, and $21,200 of goods sold to Alvarez Company for $29,200, FOB destination. Both the Pelzer purchase and the Alvarez sale were in transit at year-end.
Answers
Answer:
$270,400
Explanation:
FOB shipping point: (transfer of risk and reward takes place when the goods are shipped for transfer.
The purchased inventory that was not included are under FOB shipping point, which means that the risks and rewards associated with the inventory has been transferred at the year end. Hence the ownership has been shifted. This means the purchase must be included in the inventory.
FOB destination: The transfer of ownership takes place once the other party receives the order.
As the sold inventory are under FOB destination, which means that the risks and rewards assoiciated with the inventory are not yet transferred. Hence the ownership has not been shifted. This means the sold inventory must be included in the inventory.
Calculation:
Goods on Hand $225,000
Goods Purchased FOB Shipping Point $24,200
Goods Sold on FOB Destination $21,200
Goods on Hand on December 31 $270,400
A college-educated woman waits until age 32 before she has her first child because she wanted to establish her own business first. based on our studies of fertility rates, this woman is most likely a citizen of __________. a. a highly developed nation with an aging population b. an underdeveloped nation with a young population c. a nation with a high total fertility rate d. a nation where most citizens practice subsistence agriculture please select the best answer from the choices provided. a b c d
Answers
anti union strategies used by us employers before the 1930s
Answers
Before the 1930s, US companies employed anti-union tactics like: *replacing* workers who wished to unionize; *making them sign yellow dog contracts; and *issuing injunctions.
The Roosevelt administration's pro-union posture and laws passed by Congress during the early New Deal both contributed to the enormous gains labor unions made in the 1930s. Collective bargaining was allowed by the National Industrial Recovery Act of 1933.
It is customary to point to technical advancement, business concentration, and globalization as major reasons that have weakened union authority and improved employers' bargaining position in comparison to workers. Throughout the 1930s, there were around 5 million members of unions.
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A rightward shift in the aggregate demand curve will cause employment and the price level to change in which of the following ways in the short run?
Employment Price Level
A. Increase Increase
B. Increase Decrease
C. Increase No change
D. Decrease Increase
E. No change No change
Answers
Option B. Increase, Decrease. A rightward shift in the aggregate demand curve will cause employment to increase and the price level to decrease in the short run.
The Impact of a Rightward Shift in the Aggregate Demand Curve on Employment and the Price LevelA rightward shift in the aggregate demand curve will cause employment to increase and the price level to decrease in the short run. This is because when aggregate demand increases, firms will demand more labor in order to produce more goods and services. This increased demand for labor will lead to higher wages and more employment. However, the higher wages will also lead to higher prices for goods and services, which will decrease aggregate demand.
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When shopping for your interview clothes, some trade-offs you face include: whether to get a job or not. choosing one brand of clothing over another. choosing one type of clothing over another. time and money that could be used on other things. The opportunity cost of buying new clothes is: time off from watching TV. the choice of what to wear. the choice of where to shop. money that could be spend elsewhere. The benefit of buying new clothes is: feeling better and having more confidence. learning about clothing options. being able to discard old clothes. finding the right sized clothing.
Answers
Answer:
time and money that could be used on other things
money that could be spend elsewhere.
feeling better and having more confidence
Explanation:
Trade off is the sacrifice that must be made in order to carry out a certain activity. By deciding to go shopping, i would be sacrificing time and money.
Opportunity cost is the cost of the next best option forgone when one option is chosen over other options.
The opportunity cost of buying new clothes is what I could have used the money to do instead
The benefits of buying new clothes are the advantages i would derive from owning the clothes
1 .Bought supplies on account from Delta Company?
2. Sold services on account to Ana Santiago?
3. Paid cash for advertising?
Answers
An increase (+)in supplies and an increase (+) in Delta company. An increase (+) in Ana Santiago's account and capital (revenue) increase (+). A decrease (-) in cash and capital (expense).
What is capital?Things that benefit or have value for their owners and fall under the definition of capital include a factory and its machinery, confidential information like trade secrets, or the financial assets of a person or an organization. Money could be considered capital in and of itself, but the phrase is most usually used to describe money utilized for investments or productive uses. In general, cash is crucial for daily operations and a business's future expansion.
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The correct question is:
Provide entries for the following:
1 . Bought supplies on account from Delta Company?
2. Sold services on account to Ana Santiago?
3. Paid cash for advertising?
List three market practices that the govemment
regulates or bans to protect competition
Answers
Three market practices that the government regulates or bans to protect competition are Price fixing, Monopolies and Predatory Pricing.
Price fixing: As price fixing techniques are anticompetitive and detrimental to consumers, the government regulates them. Price fixing may result in increased costs, decreased output, and inefficient markets. The government may levy penalties or even bring legal action against the businesses and people involved in this conduct.
Monopolies: To stop them from exploiting their dominant market position, the government may regulate or even dismantle monopolies. Monopolies can result in increased costs, less innovation, and less consumer choice. Governments may limit mergers and acquisitions or control the actions of powerful companies.
Predatory Pricing: When a business sets prices below what it actually costs to produce a good or service, it is engaging in predatory pricing, which the government may outlaw. In the long term, higher prices may result from this technique since the dominant firm can increase prices after driving out its rivals, which hurts competition. The government may fine or prosecute businesses that engage in this conduct.
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30 POINTS :D
If someone you don't know asks where you go to school, what should you do?
A. Don't respond
B. See if they're a friend of a friend
C. Ask why they want to know
D. Lie to them
Answers
Which selling approach is considered direct and focuses mainly on convincing the buyers that the item is needed?
A. upselling
B. consultative selling
C. relationship selling
D. personal selling
E. traditional selling
Answers
Answer:
Which selling approach is considered direct and focuses mainly on convincing the buyers that the item is needed?
A. upselling
B. consultative selling
C. relationship selling
D. personal selling
E. traditional selling
answer is B
The selling approach that is recognized direct and lays emphasis primarily on persuading the buyers about the need of the item would be:
D). Personal selling.
'Personal selling' is described as the selling approach in which the seller hires salesmen to get their products sold directly to the customers. In this technique, the salesman personally interacts with the consumers and uses his/her communication or other skills to convince them about the quality and the worth of the product. They often practically show the effects of the product to the consumers so that they are persuaded to buy it and they can make a maximum sale.Thus, option D is the correct answer.
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The invisible hand principle indicates that competitive markets can help promote the efficient use of resources Group of answer choices only if buyers and sellers really care, personally, about economic efficiency. even when each market participant cares only about their own self interest rather than about the overall efficiency of resource use. even if business firms fail to produce goods efficiently. if, and only if, businesses recognize their social obligation to keep costs low and use resources wisely.
Answers
Answer:
even when each market participant cares only about their own self interest rather than about the overall efficiency of resource use.
Explanation:
A capitalist economy also referred to as free-enterprise system, pure capitalism, or free market can be defined as a type of economy in which prices, products and services are being determined by the market rather than the government. Thus, a capitalist economy is devoid (free) of government regulations, interference or control because the market (enterprises) are the ones who are saddled with the responsibility of determining the market forces.
Simply stated, a capitalist economy is a type of economy that is completely driven by demand and supply of goods and services.
The invisible hand principle indicates that competitive markets can help promote the efficient use of resources even when each market participant such as producer and suppliers cares only about their own self interest rather than about the overall efficiency of resource use.
The "invisible hand" concept asserts that, the self-interest by producers and suppliers of resources in a market system will automatically promote the public interest as well.
This ultimately implies that, public and private interest will always coincide assuming there exist competition in a free market system.
In conclusion, the invisible hand concept is a metaphorical description of the unforeseen forces that typically moves a free market system or economy.
The availability of a commodity is referred to as its
Demand.
Distribution.
Surplus.
Supply.
Answers
Demand refers to the need of a commodity.
Distribution refers to the way the commodity is given out.
Surplus refers to what is left over.
Question 1 (1 point)
Loan 1:
Loan Amount: $ 10,000.00
Loan Term: 12 months
Interest Rate: 12%
Upfront Fees: $ 125.00
Payment: $ 888.49
What is the total amount of payments for Loan 1? $10,786.88
Blank 1:
$10,786.88
Question 2 (1 point)
Using the information from question one, what is the total cost of Loan 1? $
Blank 1:
$
this one too
Loan 2:
Loan Amount: $ 10,000.00
Loan Term: 24 months
Interest Rate: 12%
Upfront Fees: $ 125.00
Payment: $ 470.43
What is the total amount of payments for Loan 2? $5,770.16
Blank 1:
$5,770.16
Using the information from question 3, what is the total cost of Loan 2?
only answer the question that ask the total cost
Answers
In a loan, a certain quantity of money is given to another person in exchange for the value or main amount being repaid at a later date.
What is Loan ?In many circumstances, the lender increases the principal value by adding interest or finance charges, which the borrower must pay in addition to the principal sum.
A loan is a type of debt that a person or other entity incurs. The lender advances the borrower a certain amount of money, typically on behalf of a business, financial institution, or government.
The borrower accepts a specific set of terms in return, which may include any finance charges, interest, a repayment schedule, and other requirements.
Computation of Cost of loan
Loan Amount: $ 10,000.00
Loan Term: 24 months
Interest Rate: 12%
Upfront Fees: $ 125.00
Payment: $ 470.43
Cost of Loan
\(Cost of loan = Monthly Payment * months + fees \\ = 470.43 *24 months + 125\\ = 11,290.32 +125\\\\ = 11,415.32\\ Cost of loan = 11,415.32 - 10000\\ = 1,415.32\\\)
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Do you think large multinational corporations in general like Wal-Mart, Apple, McDonalds and Frito Lay are good or bad for the world? Is "globalization" another word for “Americanization”? Why or why not? (3 points) Explain using complete sentences.
Answers
Answer:
I think multinational corporations in like these are bad. Because even people on diets or trying to diet, and people buy it for them not knowing its hard for them to say no.
Explanation:
How did the extra, one-time payment of $100 affect the total interest Janet pays on the loan?
Answers
Amortization simply means the practice of spreading the cost of an intangible asset over the useful life of the asset.
Your question is incomplete as you didn't provide the amortization table. Therefore, an overview of amortization will be given.
It should be noted that amortization is usually expensed on a straight-line basis. In such a case, the same amount will be expensed for every period over the life of the asset.
For example let's assume that Janet borrows $2000 at 4% for 2 years. The interest that will be paid will be:
= $2000 × 4% × 2
= $2000 × 0.04 × 2
= $160
The interest here is $160. Based on the question, since $100 has been paid, it should lead to a lower interest that will be paid on the loan.
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Answer:$160
Explanation:
The interest here is $160. Based on the question, since $100 has been paid, it should lead to a lower interest that will be paid on the loan.
When determining the human resources needs for a well-known engineering firm, the HR director realized that the company lacked engineers under the age of 30. The company could not afford to get caught short in this competitive business climate. An important recruitment strategy for the HR director's department was to start attending college fairs as well as considering hiring interns. We define his recruitment efforts as developing relationships with ________ sources. Multiple Choice external internal median civilian
Answers
Answer:
External
Explanation:
Human resources management
This is simply set up and control of formal systems for employee management within an organization.
Recruiting
This is refered to as the ways or process of getting a list of qualified candidates. The aim is to make the organization attractive to qualified applicants.
External Factors Affecting Recruitment
1. Supply and demand- labor market, unemployment rate
2. Social and legal environment
3.Competitors practices
Types of external source of labor
1. Direct recruitment where Informations are displayed on notice board. They are usually low cost.
2. Casual callers: this is simply known as a list of job seekers that is prepared and as the need arises they are called for an interview.
3. Advertisement through Newspaper, advertising etc.
your first attempt at innovation has resulted in only slightly increased sales for swazzi. in your meeting with the ceo, what will you recommend?
Answers
I will recommend conducting a thorough analysis of the innovation's performance and exploring additional strategies to drive significant sales growth for Swazzi.
What steps should be taken to boost sales growth for Swazzi after an initial innovation attempt?
In the meeting with the CEO, I would recommend conducting a comprehensive evaluation of the first innovation's impact on Swazzi's sales. This evaluation should include an analysis of key metrics such as revenue, market share, customer feedback, and competitive landscape. By understanding the specific factors contributing to the slight increase in sales, we can identify potential areas for improvement and formulate effective strategies to drive significant growth.
Based on the analysis, it may be necessary to refine the existing innovation or explore new avenues for product development or marketing. This could involve gathering additional customer insights, conducting market research, or seeking feedback from sales teams and key stakeholders. By leveraging this information, we can identify opportunities to enhance the innovation's value proposition and address any gaps that may be limiting its impact on sales.
Additionally, it is important to consider the broader market conditions, competitive landscape, and emerging trends. This will help in identifying potential opportunities for differentiation, targeting new customer segments, or adapting the innovation to align with evolving customer needs.
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A proposed new company is estimated to cost $20,000. it will generate the following cash flows over its life of 4 years:
Year 1 $5000
Year 2 $6000
Year 3 $7000
Year 4 $20000
If you require a 10% return, what is the Net Present Value of the company?
Answers
The Net Present Value (NPV) of the company, considering a required 10% return, is $10,249.50. NPV of the company is $5,250.50
To calculate the NPV, we discount each cash flow back to its present value and then sum them up. The formula for calculating the present value of a cash flow is PV = CF / (1 + r)^n, where PV is the present value, CF is the cash flow, r is the discount rate, and n is the number of periods.
Using this formula for each year's cash flow:
Year 1: $5,000 / (1 + 0.10)^1 = $4,545.45
Year 2: $6,000 / (1 + 0.10)^2 = $4,132.23
Year 3: $7,000 / (1 + 0.10)^3 = $4,356.88
Year 4: $20,000 / (1 + 0.10)^4 = $12,215.94
Next, we sum up the present values:
$4,545.45 + $4,132.23 + $4,356.88 + $12,215.94 = $25,250.50
Finally, we subtract the initial cost of $20,000:
$25,250.50 - $20,000 = $5,250.50
Therefore, the NPV of the company is $5,250.50, indicating a positive NPV and suggesting that the investment is expected to generate returns higher than the required 10% return.
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when there is damage to dna there are several mechanisms by which the damage can be repaired. T/F?
Answers
(True)These repair mechanisms play crucial roles in maintaining the stability and integrity of the genome. However, it's important to note that while these mechanisms are highly efficient, they are not perfect, and some DNA damage may escape repair or be repaired with errors.
When there is damage to DNA, several mechanisms are available for repairing the damage. The cell has evolved multiple pathways to detect and repair different types of DNA damage to maintain the integrity of the genetic material. These repair mechanisms are essential for the cell's survival and the prevention of genetic mutations that can lead to diseases such as cancer.
Some of the common DNA repair mechanisms include:
1. Base Excision Repair (BER): This mechanism repairs small, non-bulky DNA lesions such as damaged or mismatched bases.
2. Nucleotide Excision Repair (NER): NER repairs larger DNA lesions such as those caused by UV radiation or certain chemicals.
3. Mismatch Repair (MMR): MMR corrects errors that occur during DNA replication, such as the insertion or deletion of bases.
4. Homologous Recombination (HR): HR repairs DNA double-strand breaks by using an undamaged DNA molecule as a template.
5. Non-Homologous End Joining (NHEJ): NHEJ rejoins DNA ends that are broken, such as those resulting from double-strand breaks.
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_____ are words that are specific to an employer’s needs or industry and improve your chances of having your résumé considered.
Important words
Key words
Search words
Power words
Answers
Answer:
imma say key words
Explanation:
srry if its wrong yall
Shelly hired mostly high school and college students at her landscaping business. Although her company was earning a profit, it wasn't the success she envisioned. After talking with customers and potential customers, Shelly began to hire additional workers from different age groups and experience levels. Hiring workers with more experience enabled her to bid for more complicated projects and increased customers' confidence and satisfaction. This scenario illustrates the leadership concept of:
Answers
Answer:
Diversity promoter
Explanation:
Analyzing the scenario of the question above, it is correct to say that Shelly promoted diversity in the organization by hiring additional employees of different age groups and levels of experience, and thus managed to compete for more complicated projects and increased customer confidence and satisfaction.
The diversity in the organization promotes greater innovation, creativity and a culture more favorable to development, through the exchange of experiences, which benefits the internal and external environment, since there is greater identification of the problems related to each age group and greater satisfaction of the customers' needs. , which increases the company's positioning in the market and customer loyalty.