The percent decrease in Tom's car insurance payments from the first year to the second year is 15.6%.
In the first year, Tom pays $77 per month for his car insurance. In the second year, his payments are reduced to $65 per month. To find the percent decrease, we need to calculate the difference between the two amounts and then divide it by the original amount.
The difference between $77 and $65 is $12. To find the percent decrease, we divide this difference by the original amount, $77, and then multiply by 100.
($12 / $77) * 100 = 15.6%
Therefore, there is a 15.6% decrease in Tom's car insurance payments from the first year to the second year.
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The degree to which employees are fully involved in their work and the strength of the job and company commitment is referred to as employee ______.
The degree to which employees are fully involved in their work and the strength of the job and company commitment is referred to as Employee Engagement-
Gallup defines employee engagement as an employee's commitment and enthusiasm for their job and workplace. Employee engagement helps measure and manage employee perspectives on key elements of work culture
What are some examples of employee engagement?Good examples of employee engagement include employees who come to work with a sense of purpose, a deep commitment to the organization, a commitment to good performance, a collaborative attitude, good communication with colleagues and managers, positive Includes the ability to send and receive feedback. .To Learn more about Employee Engagement, click the links.
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9. If you found that you were in financial trouble because of credit and had great difficulty paying your monthly bills, what would you do?
Answer:
You would have to cut down on some luxuries, like lots of foods, amusement parks, shopping trips, etc. If you have have extra hours, work more hours, quite possibly take another job.
Explanation:
if your a real larry fan you can finsh this song
This aint no race but i still take first.....
finsh it
Answer:ooh idk
Explanation:
Answer:
first place.. take yo man just to shove it in yo face..
lolz i haven't listened to that in a while
Explanation:
ttttpppwwkkk
f(5) =
f(3) =
f(-5) =
f(-3) =
Answer:
53636363633636336366363
Your expenses this semester are the following: tuition: $5,000, room and board: $3,000, books: $500. Further, during the semester, you can only work part-time and earn $4,000 instead of your full-time salary of $10,000. What is the opportunity cost of going to college this semester, assuming that your room and board expenses would be the same even if you did not go to college
The opportunity cost of going to college this semester is $6,000, calculated as the difference between the full-time salary ($10,000) and the part-time salary ($4,000) that was earned while attending college.
The opportunity cost of going to college this semester can be calculated by considering the income forgone from not working full-time:
Opportunity Cost = Full-time Salary - Part-time Salary
Given:
Full-time Salary = $10,000
Part-time Salary = $4,000
Opportunity Cost = $10,000 - $4,000 = $6,000
Therefore, the opportunity cost of going to college this semester, assuming the room and board expenses would be the same, is $6,000. This represents the value of the income that is forgone by choosing to attend college instead of working full-time.
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critically discuss how career and study choices are influenced by the following socio-economic factor: availability of finances/affordability
Answer:
availability of financial/affordability
Explanation:
it's enables you to make more money for the growth of the community so we study it that way
3. ______ are defined as goods or services that are required for health and safety.
Occupational Health and Safety are defined as goods or services that are required for health and safety. Information standards are guidelines governing the information that must be provided to consumers when they purchase specific goods.
What is the safety of goods?A safe product is one that delivers either no risk or a minimum tolerable level of risk, taking into account the product's typical or reasonably foreseeable use and the need to maintain a high level of consumer protection.
Occupational health and safety is a multidisciplinary discipline that deals with all elements of workplace health and safety, with a heavy emphasis on preventing workplace dangers.
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What inspired Selfridge to ensure that customers in his store could browse at their leisure?
Answer:
the strict policies at other stores that took away the pleasure of shopping inspired Selfridge to ensure that other customers at his store could browse at their leisure
How do taxes influence responsible financial planning?
Answer:
Proper tax planning makes it easier to build your personal finances and afford the things you want. Additionally, by anticipating taxes when you create your financial plan, it's possible to significantly boost how much money you will have in retirement.
Explanation:
1. Identify the problem or opportunity
2. Think of alternative solutions
3. Evaluate alternatives and select a solution
4. Implement and evaluate the solution chosen.
Decision making is a very rational process that involves the steps
1. Identify the problem or opportunity,
2.Think of alternative solutions
3. Evaluate alternatives and select a solution
4. Implement and evaluate the solution chosen.
Decision making:Decision making is the process of making decisions by identifying decisions, gathering information, and evaluating alternative solutions. A step-by-step decision-making process helps you make more conscious and thoughtful decisions by organizing relevant information and defining alternatives.
Why are decisions important?The importance of decision-making lies in the way it helps you choose between different options. It is important to gather all available information and weigh the pros and cons before making a decision. It's important to focus on the steps that help you make the right decisions.
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How can you create any elegant and artistic presentation of a cake or pastry considering the product and its container?
which of the following skills is necessary for a market researcher?
A.science skills
B.sales ability
C.math skills
D. creativity
it is B sales ability you welcome
Answer:
B. sales ability
Explanation:
hope this helped
g what are management control systems? pick two management control systems and describe how they work
Management control systems are tools used by organizations to ensure that their goals and objectives are met efficiently and effectively
1. Budgetary control
2. Performance appraisal system
Management control systems (MCS) are systems designed to help managers achieve organizational goals by monitoring and influencing employee behavior. The main goal of the management control system is to provide accurate information about an organization's operations and performance to managers so that they can make informed decisions about how to manage their operations and allocate resources. There are several types of management control systems, including Budgetary controls: This type of control system helps managers to manage costs by setting budgets and comparing actual costs to the budget. If costs exceed the budget, managers can take corrective action to reduce costs or increase revenues. Balanced scorecards: This system is used to monitor the performance of an organization about its strategic objectives. It typically includes financial and non-financial measures, such as customer satisfaction, employee satisfaction, and innovation. The balanced scorecard allows managers to track progress toward strategic objectives and make adjustments as needed. Management control systems work by monitoring and influencing employee behavior. Managers use these systems to set goals, allocate resources, and monitor performance. By providing accurate information about an organization's operations and performance, managers can make informed decisions about how to manage their operations and allocate resources.
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1. Some bacteria are helpful to the body and:
a. cause cavities
b. die quickly outside other living cells
c. help the digestive system function properly
d. give you energy
2. Germs produce toxins in the body that can make you:
a. sneeze a lot
b. cough
c. have diarrhea
d. all of the above
3.List three ways to keep germs from spreading.
4. Describe the proper way to wash hands.
5. Describe what the immune system does for the body.
6. An antigen:
a. is an unknown substance that infects the body
b. is a protein that attaches itself to germs to get rid of them
c. destroys germs in the body
d. is a type of immunity you are born with
7. True or false: Vaccinations help to provide us with adaptive immunity, which is immunity that develops as we are exposed to diseases. T F
8. White blood cells help to:
a. infect the body
b. provide passive immunity
c. destroy infections
d. weaken your immune system
9. A specialized protein that recognizes invaders to the body and attaches to them is called:
a. an antigen
b. an antibody
c. a complement
d. a T cell
10. True or false: It’s OK not to wash my hands after using the bathroom at home because it's cleaner than a public restroom. T F
Answer:
I messaged you the asnwer.
Explanation:
If you choose to work beyond the age of 67:
a) Your benefits will be permanently reduced
b) You will not gain anything, your maximum benefit is calculated at age 65
C) You will pay increased income tax
d) The government will add 8% per year to your benefits until the age of 70
Answer:
D : The government will add 8% per year to your benefits until the age of 70
Explanation:
If one chooses to work beyond the age of 68 years that the government will add 8% per year for benefits until the age of 70. Thus option D is correct.
What is working age?The working-age is the age till which a person is supposed to work and is fixed by the age of retirement. For the person aged more than 67 years, the government should provide about 8% years of benefit to the age of 70 years. So if wone chose to work he can easily have a benefit of three more years.
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In the first week, you learned about one possible source of limits to arbitrage -- fundamental risk. What do you think would happen to a closed-end fund's discount if the fund announced that it would liquidate in six months when it will distribute the NAV to its shareholders? How does that announcement affect the fundamental risk of an arbitrageur that tries to exploit the closed-end fund discount?
Closed-end funds (CEFs) trade like stocks in the open market, with prices that can diverge from their net asset value (NAV).
One of the potential sources of the arbitrage limit that was explained in the first week is fundamental risk, which is the risk associated with the underlying asset of the closed-end fund. This risk includes credit risk, interest rate risk, and market risk.
If a closed-end fund declares its intention to liquidate in six months and distribute the NAV to its shareholders, the discount on its stock price might not widen. It would be reasonable to anticipate a decrease in the discount, all other things being equal, due to the certainty of a future cash inflow that can be valued by investors.
Therefore, a price increase in the shares of the CEF might be seen in anticipation of the NAV payout, with the discount decreasing towards zero.
The liquidation of a closed-end fund would likely result in a loss of value for any arbitrageur who tries to exploit the closed-end fund discount. As the fund's underlying securities are sold off and the NAV payout approaches, the risk of fundamental risk for the arbitrageur increases because there is uncertainty about the timing and nature of the liquidation of the underlying securities.
This uncertainty increases the probability of the prices of the underlying securities moving, which can result in the arbitrageur losing money.
The arbitrageur's fundamental risk increases because the probability of the underlying securities' prices changing in response to market conditions rises with each passing day until the fund liquidation.
This risk results in arbitrageurs being hesitant to exploit the discount, resulting in limits to arbitrage.
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In pure competition, producers compete exclusively on the basis of
a. selling identical items.
b. advertising heavily to promote their good.
c. producing the unique features of their good.
d. focusing on maintaining a positive image.
Answer:
a. selling identical items.
Explanation:
A pure competition market is characterized by many firms selling a homogeneous product in a market with many buyers. There are no dominant suppliers; hence no single or group of sellers can influence the price. Pure competition is also the perfect competition.
The key characteristics of pure competition are
There are many buyers and sellersAll firms sell an identical productAll sellers are price takers. None can influence pricesThere is intense competition due to the high number of sellersEase of entry and exit from the market.A. selling identical items.
If a person spends $10 a week on coffee (assume $500 a year), what would be the future value of that amount over 10 years if the funds were deposited in an account earning 3 percent? Use
The cost of interest is only calculated once a year with annual compounding. This is a unique situation because the claimed yearly percentage rate and the actual annual rate are the same.
What is future value?A financial concept known as future value (FV) assigns a value to an asset based on anticipated factors like future interest rates or cashflows.
We can use the following formula to compute the future value of an annuity with periodic payment M for T periods, given periodic return r :
= M((1+r)^{T} −1) / r
Applying the formula, the future value after 10 years is:
= 500(1+3 % )^{10} - 1 / 3%
= 5,731.94
Therefore, The future value is 5,731.94.
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Bambi is buying a property on an installment sales contract. Due to her financial interest in the property, she retains equitable title. What does the seller retain
Answer:
Legal title
Explanation:
A contract can be defined as an agreement between two or more parties (group of people) which gives rise to a mutual legal obligation or enforceable by law.
There are different types of contract in business and these includes: fixed-price contract, cost-plus contract, bilateral contract, implies contract, unilateral contract, adhesion contract, unconscionable contract, option contract, express contract, etc.
Mutual assent is a legal term which represents an agreement by both parties to a contract. When two parties to a contract both have an understanding of the parameters, terms and conditions surrounding a contract, it ultimately implies that they are in agreement and this is generally referred to as mutual assent
In this scenario, Bambi purchased a property using an installment sales contract.
An equitable title can be defined as the right of an individual to use and enjoy an asset (property) due to his or her financial interest in the asset.
On the other hand, a legal title can be defined as the actual (absolute) ownership of a property that is recognized and enforceable in a court of competent jurisdiction.
Hence, Bambi would retain an equitable title from the purchase of the property due to her financial interest in this property while the owner of the property (seller) retains a legal title.
A contract is defined as an agreement that defines and binds the personally legally. It may involve the exchange of goods and services.
Since he is buying a property on an installment of the sales contract which due to her financial insurers in the property remain entitled is know as the legal title. It represents the actual ownership of the proper and is visible by the public records.Learn more about the due to her financial interest in the property
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a) Explain the first two (2) steps in Cross Industry Standard Process of Data Mining (CRISPDM) b) Discuss if the following activities are a data mining task. i) Monitoring and predicting failure of hydropower plant. ii) Dividing the customers of the company according to their profitability. c) Dataset with missing values is common problem faced by the data miners. State two (2) methods to handle this problem and explain.
a) The first two steps in the Cross Industry Standard Process of Data Mining (CRISP-DM) are:
1. Business Understanding: In this step, the focus is on understanding the business objectives, goals, and requirements of the data mining project. It involves defining the problem statement, identifying the relevant stakeholders, and determining the project's scope. The key questions to answer in this step include: What is the business problem we are trying to solve? What are the goals and objectives of the project? What are the constraints and limitations?
2. Data Understanding: Once the business objectives are clear, the next step is to gather and understand the available data. This involves identifying the relevant data sources, collecting the data, and performing initial data exploration and analysis. The goal is to gain insights into the data, understand its structure, quality, and completeness, and assess its suitability for the data mining project. This step helps in identifying data quality issues, missing values, outliers, and understanding the variables and their relationships.
b) i) Monitoring and predicting the failure of a hydropower plant can be considered a data mining task. Data mining techniques can be applied to historical data collected from the hydropower plant to identify patterns, anomalies, and indicators of failure. By analyzing sensor data, maintenance logs, and other relevant data sources, data mining models can be built to predict potential failures, enabling proactive maintenance and minimizing downtime.
ii) Dividing customers of a company according to their profitability can also be considered a data mining task. By analyzing customer transaction data, purchasing patterns, and other customer-related variables, data mining techniques can be applied to segment customers into groups based on their profitability. This can help in identifying high-value customers, understanding their characteristics, and tailoring marketing strategies to maximize customer value.
c) Dealing with missing values is a common challenge in data mining. Two methods to handle this problem are:
1. Deletion: In this method, the incomplete rows or columns containing missing values are removed from the dataset. If the missing values are random and do not introduce significant bias into the analysis, this approach can be effective. However, it can result in a loss of valuable data and may not be suitable if the missing values are systematically related to the target variable or other important variables.
2. Imputation: Imputation involves filling in the missing values with estimated or imputed values. This can be done using various techniques such as mean imputation, median imputation, mode imputation, or regression imputation. The choice of imputation method depends on the nature of the data and the underlying assumptions. Imputation helps in retaining the complete dataset and can provide more accurate results if done appropriately. However, it introduces uncertainty and potential bias if the imputation process is not properly handled.
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When a company uses a marketing discipline and combines computer technology and databases with customer service and marketing communications it is known as:__________
When a company uses a marketing discipline and combines computer technology and databases with customer service and marketing communications it is known as: customer relationship management.
What is meant by customer relationship management?This is the term that has to do with all of the ways that a business as well all organizations would have to combine the administration of the business with the way that they interact with the customer base that they have.
Hence we can say that When a company uses a marketing discipline and combines computer technology and databases with customer service and marketing communications it is known as: customer relationship management.
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Dont worry about me, I just added this answer so the other person can get their brainliest because they definetly deserve it
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The CEO of a business firm wants to increase the productivity of the employees while minimizing the labor costs incurred by the company. He decides to pay a monthly salary to full-time staff members. However, he also wants to compensate employees for exceptional work through bonuses at the end of every fiscal year. In the given scenario, the CEO can use a _____ to tie a portion of the compensation to employee effort.
Answer:
c. pay-for-performance standard
Explanation:
Pay-for-performance compensation means that there is the payment is made that depend upon the performance. In this, the employee can get the incentive and reward for attaining the goals & objectives also at the same time they would be highly motivated to perform better
So as per the given situation, it is a pay-for performance standard situation
when consumed, many goods and services have an impact on other people not using the product. Which word describes this impact ?
A. appreciation
B. depreciation
C. externality
D. inflation
Answer:
Explanation:
depreciation
When consumed, many goods and services have an impact on other people not using the product. Depreciation word describes this impact. The correct option is B.
What does it mean to deprecate a product?Application developers who have already subscribed to a product may still use it after it is deprecated, but no new developers may do so. We disapprove of this use of company funds for political activities. to say that you disapprove of something.
In order to maintain backward compatibility and give programmers time to bring affected code into compliance with the new standard, features are deprecated rather than immediately removed. The following are some of the primary causes of depreciation: A more potent substitute feature has taken the place of the former feature.
Thus, the ideal selection is option B.
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the monetary gains produced by an organization's expenditures on salaries, benefits, bonuses, and other costs for employee talent is called .
The monetary gains produced by an organization's expenditures on salaries, benefits, bonuses, and other costs for employee talent are called the Return on Human Capital (ROHC).
It is a measure of the financial benefits an organization derives from its investment in its employees. ROHC is a critical measure of the effectiveness of a company's human resources management. It measures the value of employee contributions to the company's bottom line.
ROHC is calculated by dividing the organization's net income by its total expenditures on employee salaries, benefits, and other related costs. A higher ROHC indicates that the company is getting more value from its human resources, and is using its resources more efficiently.
Organizations with high ROHCs are generally viewed as more successful in their human resources management practices, which can lead to a more productive and engaged workforce. Additionally, high ROHCs can be a competitive advantage for the organization, as they may be better able to attract and retain talented employees.
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Public Corporation acquired 90 percent of Station Company’s voting common stock on January 1, 20X1, for $504,900. At the time of the combination, Station reported common stock outstanding of $125,000 and retained earnings of $381,000, and the fair value of the noncontrolling interest was $56,100. The book value of Station’s net assets approximated market value except for patents that had a market value of $55,000 more than their book value. The patents had a remaining economic life of five years at the date of the business combination. Station reported net income of $75,000 and paid dividends of $24,000 during 20X1.
The acquisition of Station Company by Public Corporation resulted in a 90 percent ownership stake, with a purchase price of $504,900. The fair value of the noncontrolling interest was $56,100, and the net assets of Station Company had a book value close to market value, except for patents with a market value $55,000 higher than their book value. Station reported net income of $75,000 and dividends of $24,000 in 20X1.
What were the key financial aspects of Public Corporation's acquisition of Station Company?Public Corporation's acquisition of Station Company in 20X1 had several significant financial elements. The acquisition involved purchasing 90 percent of Station Company's voting common stock for $504,900. At the time of the combination, Station had common stock outstanding worth $125,000 and retained earnings of $381,000. Additionally, the fair value of the noncontrolling interest was determined to be $56,100.
The book value of Station Company's net assets closely approximated their market value, except for the patents. The market value of the patents was $55,000 higher than their book value. It's important to note that these patents had a remaining economic life of five years at the date of the business combination.
During 20X1, Station Company reported a net income of $75,000 and paid dividends amounting to $24,000. These financial figures provide insights into the company's profitability and distribution of earnings to its shareholders.
In summary, Public Corporation's acquisition of Station Company involved purchasing a majority ownership stake and accounted for the fair value of the noncontrolling interest. The book value of net assets aligned closely with their market value, except for the patents. Station's financial performance in 20X1, with a net income of $75,000 and dividends of $24,000, further adds to the understanding of the acquisition's financial dynamics.
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name the liability under which the private assets minus the private liabilities of a partner are liable to pay the liabilities of the firm
Answer:
Limited Liability
Explanation:
One of the disadvantages of forming a Partnership is the issue of Limited Liability.
Limited Liability means that Partners are liable for the debts of the company to the extent of their investment in a partnership arrangement.
1.1.2 Quiz: Business Goals and Standards
Question 1 of 10
Define the word profit in business.
OA. Money left after costs are paid
B. Commercial activity
OC. Quality care
OD. Structure for wealth
SUBMIT
The word profit in business means the money left after costs are paid (option A).
What are the costs or business expenses?Costs or expenses in business include the costs that are considered necessary and ordinary as well. Business expenses include travel charges, bank fees, bank interests, payroll of the employees, fees, commissions, and office equipment.
The money that is left after paying the business expenses or the costs includes the profit. It is important to mention that businesses have to pay their business expenses and after deducting that money, the amount that is left with a business organization is the profit.
It can be concluded that the word profit in business means the money left after costs are paid (option A).
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an employee can be dismissed if their job surplus to requirements' outline why this state ment is false
what role of the federal reserve has been cited as contributing to the banking crisis of 2008? it kept the reserve requirement too high. it kept interest rates too high. it kept the cost of borrowing too low. it eliminated the discount rate.
The federal reserve has been cited as contributing to the banking crisis of 2008 by keeping the cost of borrowing too low. Hence, option D is appropriate.
What is the Federal reserve?To guarantee that the financial system supports a strong economy for American people, communities, and businesses, the Federal Reserve analyzes financial sector risks and actively participates at home and abroad.
The Federal Reserve System is governed by the Board of Governors, which is based in Washington, D.C. Seven people referred to as "governors," would be chosen either by the American president but also confirmed in their positions or by the American senate in charge of it.
The Fed is the main regulator overseeing banks that are participants within Federal Reserve System and has considerable authority to take action to promote financial stability. It serves as the member institutions' last-resort lender when they have nowhere else to turn for financing.
Hence, option D is correct.
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