The investor's rate of return is approximately 5.71%. A percentage change in an investment's value is represented by annual rate of return.(option a)
How to calculate rate of return?
1. Determine the coupon payment: The 7% coupon bond means the investor receives 7% of the bond's face value ($1,000) each year. So, the annual coupon payment is 0.07 * $1,000 = $70.
2. Calculate the holding period return: The investor bought the bond for $1,050, held it for one year, received a $70 coupon payment, and then sold it for $1,040. The holding period return can be calculated as:
(Holding period return = (Selling price + Coupon payment - Purchase price) / Purchase price)
= ($1,040 + $70 - $1,050) / $1,050
= $60 / $1,050
= 0.05714 or 5.714%.
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Complete question: An investor buys a ten-year, 7% coupon bond for $1,050. holds it for one year and then sells it for $1,040. What was the investor's rate of return?
a) 5.71%
b) 6.00%
c) 6.67%
d) 7.00%
Prepare a short report about the importance of hotel management.
Answer:
Having a hotel management degree can help you get a lucrative entry position in food or beverage service, accounts, restaurant service, executive housekeeping, marketing, or other departments within a hotel
_______________ is intentionally or unintentionally using someone else's work without giving credit to the original author or creator.
a.
Research
b.
Plagiarism
c.
Articulation
d.
Investigation
Answer:
b. Plagiarism
Explanation:
Plagiarism refers to the action of presenting somebody else work as your original work acknowledging the original author. Plagiarism may be deliberate or unintended. The internet has software applications that assist students and scholars check against plagiarism.
Plagiarism is considered an offense in the academic and scholarly world.
Answer:
B
Explanation:
edg2021
what is the formula for the break-even point of a simple profit model?
The formula for the break-even point of a simple profit model is calculated by dividing the fixed costs by the difference between the unit selling price and the variable cost per unit.
In other words, the break-even point is the point at which the total revenue earned equals the total costs incurred. This point is important as it indicates the minimum amount of sales required to cover the costs and start generating profits.
To illustrate this, suppose a company has fixed costs of $10,000, a selling price of $20 per unit, and a variable cost of $10 per unit. The break-even point can be calculated as follows:
Break-even point = Fixed costs / (Selling price per unit - Variable cost per unit)
Break-even point = $10,000 / ($20 - $10)
Break-even point = 1,000 units
This means that the company needs to sell at least 1,000 units to cover its fixed and variable costs and break even. Anything beyond this point will generate profits for the company. Therefore, understanding the break-even point is crucial for companies to make informed decisions on pricing, costs, and production levels.
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The return that lenders require on their loaned fund to the firm is called the:
The return that lenders require on their loaned fund to the firm is called the interest.
What is interest?
Interest is payment made by the borrower to the lender for the use of their funds. Interest depends on the amount borrowed, the interest rate and the length of the loan. The payment of interest is made at predetermined intervals.
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assuming no transaction costs (i.e. hedging is "free"), hedging currency exposures should ___ the variability of expected cash flows to a firm and at the same time, the expected value of the cash flows should ___.
Assuming no transaction costs (i.e. hedging is "free"), hedging currency exposures should decrease the variability of expected cash flows to a firm and at the same time, the expected value of the cash flows should not change.
Currency volatility happens while there are fast adjustments to the change price of a forex pair in a quick length of time. So, if the United States Dollar started out to upward push and drop in fee as compared to Pound Sterling, this will be classed as forex pair volatility.If companies are danger averse, a upward push in change price volatility will increase the anticipated marginal software of exports and might result in extra exports, that is the earnings effect. Exchange fees of a forex may be both constant or floating. Fixed change price is decided via way of means of the principal financial institution of the u . s . whilst the floating price is decided via way of means of the dynamics of marketplace call for and supply.
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Assuming no transaction costs, hedging currency exposures should reduce the variability of expected cash flows to a firm and at the same time, the expected value of the cash flows should remain unchanged.
Hedging involves taking positions in financial instruments that offset the risk of adverse currency movements. By doing so, a firm can protect itself from unexpected changes in exchange rates and reduce the volatility of its cash flows.
When a firm hedges its currency exposures, it is essentially locking in a fixed exchange rate for future transactions. This eliminates the uncertainty associated with fluctuating exchange rates and ensures that the firm's cash flows are not adversely affected by adverse currency movements. As a result, the variability of expected cash flows is reduced, which enhances the predictability and stability of a firm's cash flow stream.
At the same time, the expected value of the cash flows should remain unchanged, as hedging merely protects against adverse currency movements without impacting the underlying business operations. In other words, hedging does not alter the fundamental value of a firm's cash flows, but rather helps to mitigate currency risks that could potentially impact its financial performance.
Therefore, hedging currency exposures can be a useful tool for firms to manage their financial risks and ensure a stable cash flow stream.
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Your Paychecks Add up your net pay to calculate how much money you have for your monthly budget. Paycheck 1 $890 Paycheck 2 $880
Researchers conducted a study to determine the monthly rental cost of rent-controlled apartments in the five boroughs of New York City in 2012. The study randomly sampled 157 apartment records from the Bronx, obtained from a large collection of income- and expense-filing statements. The 95% confidence interval of rent-controlled apartment costs in the Bronx was $917.00 ± $22.10. The cost of all rent-controlled apartments in the Bronx has a standard deviation of $73.70. State the conclusion of the z-confidence interval for the mean. Researchers are certain that the interval ($894.90, $939.10) contains the mean.
Question Completion:
Researchers are ________certain that the interval ($876.28, $899.72) contains the mean monthly rental cost of _____. (
all rent-controlled apartments in New York City.
all rent-controlled apartments in Bronx.
the 157 apartments in the sample.
all apartments in Bronx)
Answer:
Researchers are ___95%_____certain that the interval ($876.28, $899.72) contains the mean monthly rental cost of _____.
all rent-controlled apartments in Bronx.
Explanation:
The 157 samples were from the Bronx, "obtained from a large collection of income- and expense-filing statements." The concentration of the study was on "rent-controlled apartments in the Bronx." So, the study or research is specific. Therefore, the generalization from its findings can only be specific to the Bronx borough of New York City and affecting only rent-controlled apartments.
a monopoly is producing where average total cost equals $30, marginal revenue is $40, and the price is $50. if atc is at its minimum level and the atc curve is u-shaped, in order to maximize profits this firm should:
When the average total cost is $30, the marginal revenue is $40, and the price is $50, a monopoly is in operation. In order to maximise revenues, this company should: If atc is at its minimum level and the atc curve is u-shaped reduced output.
A monopoly's demand curve often intersects the average cost at its lowest point and is on the right side of the marginal revenue curve. Similar to this, when the average cost curve is at its smallest, the marginal cost curve crosses the average cost curve. Reduced Output Period is a period during the Term when the Facility's generation ,The average cost should be more than the marginal revenue at the point where profits are maximized. Since the marginal revenue in the provided example exceeds the minimum average cost, output should be decreased in order to maximise profit. Since the price is higher, the monopoly will still make super normal profits.
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Are employers required to provide training for mandated reporters.
Suppose a lite insurance company selis a $200,000 1-year lecms iffe insurance policy to a 20yoat-old female for $230. According to the Nabional Vial Statistics Report. 58(21) the probablity that the female survives the year is 0999544 Compute and interpret the expected value of this pollcy to the insurance company The expected valje is s (Round to the nearest cent as needed) Which of the folowing interpretations of the expected valise is correct? Select the correct choice below and fir in the answer box to complete your choice (Round to the nearest cent as needed) A. The insurance company expects to make a maximum profit of 5 on every 20 -year-old fermale it insures for 1 year. B. The insurance company expects to make a profit of : on every 20-year-old female it insures for 1 month C. The irsurance company expecis to make a minimum proft of A on every 20 -year-old female it insures for 1 month D. The insurance compary empecta ta make a profit of 3 on every 20 -yeat-old female it inscires for 1 year
The expected value of this policy to the insurance company is $229.95. The correct interpretation of the expected value is "The insurance company expects to make a minimum profit of $229.95 on every 20-year-old female it insures for 1 year." Therefore, the correct option is C.
Expected value of this policy to the insurance company can be computed as follows:
Expected Value = (Probability of Survival * Amount Paid by the Policy Holder) - (Probability of Death * Amount Paid to the Policy Holder)
Probability of survival is given as 0.999544 and hence the probability of death is 1 - 0.999544 = 0.000456
Amount paid by the policyholder is given as $230 and amount paid to the policyholder in case of death is $200,000
Expected Value = (0.999544 * $230) - (0.000456 * $200,000)
Expected Value = $229.95
The expected value of this policy to the insurance company is $229.95. The correct interpretation of the expected value is "The insurance company expects to make a minimum profit of $229.95 on every 20-year-old female it insures for 1 year." Therefore, the correct option is C.
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QUESTION: Identify an example of the change in relative prices of two products.
pls help T o T
Answer: First lets start off with relative change. Relative changes shows the change of a value of an indicator in the first period and in percentage terms, ext. Relative change is calculated by subtracting the value of the indicator in the first period from the value of the indicator in the second period which is then divided by the value of the indicator in the first period and the result is taken out in percentage terms. The formula for relative change is very simple, and it is derived by initially deducting the initial value of the variable from the final value, then dividing the result by the initial value, and then finally multiplying by 100% to express in terms of percentage. Also
Explanation:
A small example in relative prices is In apple season, apples cost half as much as oranges. In orange season, oranges cost half as much as apples. Also to understand better, either market forces or government intervention, the relative price of goods and services does impact the allocation of resources used to produce these goods and services. A relative price is the price of one good compared to another. Resource allocation addresses how land, capital, and labor are spent in the production of goods and services. Since we went over that relative price is the price of something compared to something else. In other words, it is the ratio of two prices. Completely logical people will make purchasing decisions by considering the relative prices of their options. We can conclude that gas is $2.76 compared to the $3.02 of diesel . Now the gas is $0.26 cents cheaper than diesel. This is caused by the price to refine diesel compared to gas. Now that we have two simple example to show the basis of relative prices, you can clearly see the mean and definition of relative prices through the examples shown!
An architect’s functions may include which of the following? (SELECT ALL THAT APPLY.)
-planning and designing houses, commercial buildings, and other structures
-ensuring worksite safety
-collaborating with engineers
-acting as a construction manager and supervising contractors
Answer:
the answer is planning, ensuring, and acting
If toast and butter are complements, then which of the following would increase the demand for toast?a. a decrease in the price of butterb. an increase in the price of butterc. a decrease in the price of toastd. Both a and b are correct.
If toast and butter are complements, then both a decrease in the price of butter and an increase in the price of toast.
If toast and butter are complements, a decrease in the price of butter would increase the demand for toast. Complements are goods that are typically consumed together, so a decrease in the price of one complement (butter) will make the other complement (toast) more attractive to consumers and increase its demand. Similarly, an increase in the price of toast would also increase the demand for butter. As the price of toast increases, consumers may look for alternative products to substitute for toast, such as bread or bagels. However, if butter is a close substitute for toast, consumers may instead choose to consume more butter to compensate for the increase in the price of toast. In both cases, the change in price of one complement leads to a change in the demand for the other complement. This relationship between complements is reflected in the positive cross-price elasticity of demand, which measures the responsiveness of the demand for one good to a change in the price of another good. It is important to note that this relationship between complements assumes that all other factors affecting demand remain constant. In reality, there may be other factors that impact the demand for toast and butter, such as changes in consumer preferences, income, and availability of substitutes.
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Richard has recently finished college and is about to prepare for his exam to become a certified public accountant. He wants to talk to other accountants to learn how best to prepare for this exam. Which professional organization would be most helpful for him to join?
Answer:
The accountant federation
Question 1 of 10
An investment that you bought for
profit
and sold for
made a
500;600
500;400
600;400
600;500
Answer:
500;600
an investment
1. The reserve ratio adopted by the chartered banks is 5%. What would be the total change in the Money Supply (both in new cash deposits and loans) if the central bank transfers $100 000 of new money into the chartered banks?
a) $5 000
b) $200 000
c) $2 000 000
d) $500 000
e) $50 000 000
The total change in the Money Supply, considering the reserve ratio of 5%, would be $2,000,000. This increase is due to the money multiplier effect, which allows the initial injection of new money to have a multiplied impact on the overall money supply.
To calculate the total change in the Money Supply, we can use the money multiplier formula, which is given by:
Money Multiplier = 1 / Reserve Ratio
In this case, the reserve ratio is 5%, which is equivalent to 0.05. Therefore, the money multiplier is calculated as follows:
Money Multiplier = 1 / 0.05
= 20
To determine the total change in the Money Supply, we need to multiply the initial injection of new money ($100,000) by the money multiplier:
Total Change in Money Supply = Initial Injection × Money Multiplier
= $100,000 × 20
= $2,000,000
Hence, the total change in the Money Supply, considering the reserve ratio of 5% and the central bank's transfer of $100,000 of new money into the chartered banks, would be $2,000,000.
This increase in the Money Supply is a result of the money multiplier effect, where the initial injection of new money has a multiplied impact on the overall money supply.
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1.) What is the present worth of a future cost of $8000 dollars in 20 years if the interest rate is 15% per year? a.) An individual in planning to buy a new truck 7 years from now. The expected cost of the truck is $40,000 at the time of purchase. The person wants to make a down payment of half the truck value at the time of purchase. How much must the person save each year if they can earn 7% per year over the period on their savings? b.) How much money would you accumulate in 12 years if you take an annual salary bonus of $3000 and 1.) place it in a checking account that draws 0% interest 2.) place it in a interest-bearing account that earns 2.5% annually 3.) buy a stock that has an average annual return of 8% c.) You are promised a future amount $5000 in 5 years through a bond purchase. How much should you pay for this bond if you wish to earn 7% on your money?
To find the present worth of a future cost of $8,000 in 20 years at an interest rate of 15% per year, we can use the formula for the present value of a single amount:
Present Worth = Future Cost / (1 + Interest Rate)^Number of Years
Present Worth = $8,000 / (1 + 0.15)^20
Present Worth ≈ $482.32
Therefore, the present worth of the future cost of $8,000 in 20 years, with an interest rate of 15% per year, is approximately $482.32.
a) To calculate how much the person must save each year if they can earn 7% per year over the period on their savings, we can use the formula for the annual payment required for a future value:
Annual Payment = Future Value / [(1 + Interest Rate)^Number of Years - 1] * Interest Rate
Future Value = $40,000 * 0.5 (down payment)
Interest Rate = 7%
Number of Years = 7
Annual Payment = ($40,000 * 0.5) / [(1 + 0.07)^7 - 1] * 0.07
Annual Payment ≈ $3,477.69
Therefore, the person must save approximately $3,477.69 each year to accumulate enough for a down payment of half the truck value in 7 years, assuming an interest rate of 7% per year.
b) To calculate the accumulated money over 12 years under different scenarios:
Placing the bonus in a checking account that draws 0% interest:
Accumulated Money = Annual Bonus * Number of Years = $3,000 * 12 = $36,000
Placing the bonus in an interest-bearing account that earns 2.5% annually:
Accumulated Money = Annual Bonus * [(1 + Interest Rate)^Number of Years - 1] / Interest Rate = $3,000 * [(1 + 0.025)^12 - 1] / 0.025 ≈ $39,374.68
Buying a stock with an average annual return of 8%:
Accumulated Money = Annual Bonus * [(1 + Average Return Rate)^Number of Years] = $3,000 * (1 + 0.08)^12 ≈ $58,152.53
Therefore, the accumulated money in 12 years would be approximately $36,000 if placed in a checking account with 0% interest, $39,374.68 if placed in an interest-bearing account earning 2.5% annually, and $58,152.53 if invested in a stock with an average annual return of 8%.
c) To determine how much you should pay for the bond to earn a 7% return on your money, we can use the formula for the present value of a single amount:
Present Value = Future Amount / (1 + Interest Rate)^Number of Years
Future Amount = $5,000
Interest Rate = 7%
Number of Years = 5
Present Value = $5,000 / (1 + 0.07)^5
Present Value ≈ $3,512.11
Therefore, you should pay approximately $3,512.11 for the bond if you wish to earn a 7% return on your money.
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madsen motors’ bonds have 22 years remaining to maturity. they have a $1,000 par value and the coupon interest rate is 9%. interest is paid annually. if the yield to maturity is 11%, what is the bond’s current market price?
The bond will cost $834.48 on the open market if the yield to maturity is 11%.
What is the valuation of bonds?
Bond valuation is a method for calculating the hypothetical fair value of a specific bond. A bond's face value also referred to as its par value or cash flow, and the value of the bond at maturity are both calculated as part of the valuation process. A bond's par value and interest payments are fixed, so an investor uses bond valuation to determine what rate of return is necessary for a bond investment to be profitable.
Calculation:
Appling the following formula for bond valuation;
Value of a bond = Present Value of Interest Payment + Present Value of Principal Payment
Present Value of Interest Payment = Coupon Amount * PVIFA
Where,
r is the bond's YTM.
n is the bond's remaining maturity period.
PVIFA stands for Present Value Interest Factor of an Annuity at Rate (r%), Number of Years.
The Present Value of the Principal Amount = Principal Amount * PVIF
Where,
PVIF is the Present Value Interest Factor at r%, n years
In this question,
Par value = $ 1000
n = 22 years
r =11%
Coupon amount = 1000* 9% = 90
\(PVIFA = \frac{1 - (1 + r )^{-n} }{r} \\PVIF = (1 + r)^{-n} \\Price = 90 * \frac{1 - (1 + 0.11)^{-22} }{0.11} + 1000*(1+0.11)^{-22}\)
= $834.48.
Therefore, the bond will cost $834.48 on the open market if the yield to maturity is 11%.
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Shannon Company segments its income statement into its North and South Divisions. The company’s overall sales, contribution margin ratio, and net operating income are $480,000, 36%, and $9,600, respectively. The North Division’s contribution margin and contribution margin ratio are $92,000 and 40%, respectively. The South Division’s segment margin is $32,500. The company has $62,400 of common fixed expenses that cannot be traced to either division. Required: Prepare an income statement for Shannon Company that uses the contribution format and is segmented by divisions. In addition, for the company as a whole and for each segment, show each item on the segmented income statements as a percent of sales. (Round your percentage answers to 1 decimal place (i.e. 0.1234 should be entered as 12.3
Answer:
Shannon Company
Segmented Income Statement
Total Company North South
Division Division
Total sales 480,000 100% 230,000 47.9% 250,000 52.1%
Variable costs 307,200 100% 138,000 44.9% 169,200 55.1%
Contribution margin 172,800 100% 92,000 53.2% 80,800 46.8%
Traceable fixed 100,800 100% 52,500 52.1% 48,300 47.9%
Segment income 72,000 100% 39,500 54.9% 32,500 45.1%
Common fixed 62,400 100%
Net income 9,600 100%
North's total sales = $92,000 / 40% = $230,000
South's total sales = $480,000 - $230,000 = $250,000
South's contribution margin = $172,800 - $92,000 = $80,800
Total segment income = common fixed + net income = $62,400 + $9,600 = $72,000
Which of the following influences the consumer when he or she is deciding wether to buy a product?
A. The stock market
B. Opinion factors
C. External factors
D. Multiple factors
Answer:
D.
Explanation:
The factors that infuence a consumer's decision of buying product are multiple. It can be internal, external, economic, cultural, etc.
These factors include psychological factor, social factor, cultural factor, situational factor, etc.
Many times it's psychological factors such as moods. If a person is in bad or good mood, it will affect his behavior to buy a product. Culture or social life also influences consumer's buying habit. Some buy under peer pressure or to have status in society.
Therefore, option D is correct.
Answer: External factors
Explanation:
a client reports having adverse effects with nicotinic acid (niacin). the prescriber has recommended which action to minimize undersible effects
The prescriber has recommended a change in medication to minimize the undesirable effects of nicotinic acid (niacin).
If a client reports having adverse effects with nicotinic acid (niacin), the prescriber may recommend switching to an alternative medication. Niacin is a B vitamin that can be used to lower cholesterol levels, but it can also cause uncomfortable side effects such as flushing, itching, and gastrointestinal upset. The prescriber may suggest a different medication that has fewer side effects or adjust the dosage of the current medication. It is important to follow the prescriber's recommendations and report any further adverse effects to the healthcare provider.
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Organizational conflict is a normal occurrence, although it may not necessarily express openly or in extreme forms. Discuss FOUR (4) strategies for managing conflict....
Organizational conflict is a normal occurrence that may not necessarily express openly or in extreme forms. Below are the FOUR (4) strategies for managing conflict in an organization:
1. Accommodating: In this method, one party willingly and intentionally gives in to the other party's point of view. This approach is most suitable when the issue is more important to one party than the other.
2. Avoidance: If the problem is minor, or if the parties are not ready to handle the organizational conflict, it is best to avoid it. When postponing the problem, it is essential to communicate with the parties and schedule the conflict resolution meeting for a later date.
3. Collaboration: When both parties need to resolve an issue that is too important, a collaborative approach is the most beneficial. This approach necessitates both parties working together to achieve a win-win situation, and both parties must be willing to give in.
4. Competition: The most aggressive approach to solving conflicts is through competition. This approach necessitates a party's victory over another. In a competitive approach, both parties perceive each other as opponents, and they must use every possible method to win.
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Discuss the following statements:
The growth in earnings is related to the firm’s profitability.
In the valuation of stocks of different companies, we can assume that the long-term growth rates are the same across companies.
The growth in earnings is indeed related to a firm's profitability, as higher profitability generally leads to higher earnings. However, assuming that long-term growth rates are the same across all companies in the valuation of stocks is not accurate, as different companies operate in diverse industries and have unique competitive advantages.
The growth in earnings is a crucial factor in assessing a firm's financial performance and future prospects. Earnings represent the company's profits after deducting expenses and taxes. Higher profitability typically leads to higher earnings because a profitable company generates more revenue and has better control over its costs and expenses. As a result, firms with a higher level of profitability are more likely to experience growth in earnings over time. Investors often pay close attention to earnings growth as it reflects the company's ability to generate sustainable profits and increase shareholder value.
However, assuming that long-term growth rates are the same across all companies in stock valuation is not accurate. Companies operate in different industries and have varying competitive advantages, market conditions, and growth prospects. Factors such as technological advancements, regulatory environments, consumer preferences, and global economic conditions significantly influence a company's growth potential. Therefore, it is crucial to consider these industry-specific factors when valuing stocks. Additionally, each company has its own unique business model, management team, and growth strategies, which further differentiate their long-term growth rates.
In summary, while the growth in earnings is generally related to a firm's profitability, assuming that long-term growth rates are the same across all companies in stock valuation is not appropriate. Each company operates in a specific industry with its own set of competitive advantages and growth drivers. Valuing stocks requires a comprehensive analysis of a company's profitability, industry dynamics, competitive position, and growth prospects to make informed investment decisions.
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match the concepts to their definition question 4 options: display the path in which a process flows. a task in a business process. used to handle the flow (forking, merging and joining of paths) of a process. anything that happens during the course of a business process.
1. BPMN Flows
2. BPMN Event
3. BPMN Activity
4. BPMN Gateway
What is BPMN Gateway?
A gateway is symbolised by a diamond shape and controls decisions, path merging, and the path connecting. These are the typical BPMN gateway kinds. A type of flow object called a BPMN Gateway is used to direct the sequence of flows in a process based on specific conditions. It acts as a gate and decides whether to permit a certain flow to pass, hence gates may have some control over the types of outgoing flows that pass through them. A type of flow object called a BPMN Gateway is used to direct the sequence of flows in a process based on specific conditions. It acts as a gate and decides whether to permit a certain flow to pass, hence gates may have some control over the types of outgoing flows that pass through them.
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Which of the following is not an example of professional behavior
?
define finance education for class 8
Economic resources that are owned or controlled by a company"" – which one of the terms below matches the definition/description just given?
Economic resources that are owned or controlled by a company is asset. Economic resources are elements that are utilized to create goods or services for use or consumption. The Economic resources are sometimes referred to as production inputs. Money is just one form of the economic resource; there are others as well.
Some the economists use production components of land, capital, and entrepreneurship define economic resources. The six elements are also included in concept in other economic theories they are land, capital, information, corporate reputation, and ownership risk. Although all company need economic resources, how they employ those resources varies.
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Under the U.S. Constitution, Congress has the power to regulate a. only intrastate commercial enterprises. b. every commercial enterprise in the United States. c. only non-commercial activities. d. only local commercial enterprises.
Countries are run by constitution. Under the U.S. Constitution, the federal government has the power to regulate commercial activities among the states.
What can Congress regulate under the Commerce Clause?The Commerce Clause of the United States Constitution is known to be one that gives the Congress power to monitor interstate and foreign commerce.
The meaning of this language shows that a limited power to monitor commercial trade between persons in one state and also people outside of that state is given to them.
Note that Congress can monitor every commercial enterprise in the United States.
Therefore, option b is correct.
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clusivity is best defined as the
A) belief that people from different cultures, religions, or orientations have more in common than many people assume at first
B) practice of providing equal service to people who might otherwise be excluded, such as those who have disabilities or are minorities
C) set of skills that allows us to better understand and appreciate people who might be different from us in one way or another
D) wide range of different social and ethnic backgrounds of people from varied cultures, genders, and other unique life perspectives
Answer: (b)
Explanation:
It is the practice of providing equal service and access to individuals or groups who might otherwise be excluded or marginalized based on their race, ethnicity, gender, sexuality, ability, or other personal characteristics. Clusivity emphasizes the importance of creating an environment that is welcoming and inclusive to all, where diversity is celebrated and everyone feels valued and respected. It involves actively working to eliminate barriers and biases that prevent people from fully participating in society or accessing resources and opportunities.
why planning is important before starting a business?
Answer:
So you can get ready to know 'how to make your business good'
If you don't plan, then you'll forget to setup something is may be important
Explanation:
Hope this helps :)