Maryanne would need life insurance cover of $76,000 to provide for her children. To calculate the amount of life insurance cover needed by Maryanne, we can multiply her annual income by the percentage she assessed as necessary for her children's needs.
Life insurance cover needed = Annual income × Percentage needed
Maryanne currently earns $95,000 per year and she assessed that approximately 80% of this amount will be needed for her children, we can calculate:
Life insurance cover needed = $95,000 × 0.80
= $76,000
Therefore, Maryanne would need life insurance cover of 76,000 dollar to provide for her children.
Complete question: (i) Maryanne is seeking sufficient life insurance cover to provide for her children. Currently Maryanne earns $95,000 p.a. and she has assessed that approximately 80% of this amount will be needed on an annual basis to support her children for 25 years. She would also like to provide an initial capital amount of $400,000 at the time of her death to cover funeral costs, clear the mortgage and money for education costs.
Use the multiple approach to calculate Maryanne’s life insurance cover required and assume an earnings rate of 6%.
(a)Calculate the life insurance cover required.
(b) What difference would it make to your calculations in part a) of this question if the earnings rate was increased to 8%? Why would such a difference be expected?
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What beer company is sponsoring the Super Bowl?
The beer company sponsoring the Super Bowl is Michelob Ultra.
What are the benefits of sponsoring the Super Bowl?The most watched event on American TV is capable of generating a great deal of favorable marketing for the sponsoring brands, through advertising to thousands of people and associating the brands with the values of the event.
Therefore, the marketing generated by the Super Bowl sponsoring companies will be positive and will help companies to create value and position in the market.
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a company purchased bonds on july 1, 2024, for $274,885. this price represents a market rate of 6% on bonds that have a face amount of $250,000, have a stated rate of 8%, pay semiannual interest, and mature in 6 years. what is the amortized cost of the bonds as of december 31, 2024?
The amortized cost of the bonds as of December 31, 2024, is $202,460.90.
The face amount of the bonds is $250,000 and the stated rate is 8%, which means that the annual interest payment is $20,000 (8% of $250,000). Since the bonds pay semiannual interest, the semiannual interest payment is $10,000 ($20,000 / 2).
The bonds were purchased on July 1, 2024, which means that one semiannual interest payment has already been made. Therefore, the number of semiannual periods remaining until maturity is 11 (6 years x 2 semiannual periods per year - 1 semiannual period already elapsed).
To calculate the amortized cost of the bonds as of December 31, 2024, we can use the following formula:
Amortized Cost = Purchase Price + (Semiannual Interest Payment - Effective Interest) x Number of Periods
Where:
Purchase Price = the price paid for the bondsEffective Interest = the interest rate that produces the semiannual interest expense that equals the semiannual interest payment based on the carrying amount of the bondsNumber of Periods = the number of semiannual periods remaining until maturityFirst, we need to calculate the effective interest rate. We can use the following formula to calculate the effective interest rate:
Effective Interest = Carrying Amount x Market Interest Rate
Where:
Carrying Amount = Purchase Price + Accumulated Amortization
The market interest rate is 6%, as given in the question. The carrying amount as of July 1, 2024, is the same as the purchase price, which is $274,885. Therefore, the effective interest is:
Effective Interest = $274,885 x 6% = $16,493.10
Using this effective interest rate and the other information calculated above, we can calculate the amortized cost of the bonds as of December 31, 2024, as follows:
Amortized Cost = $274,885 + ($10,000 - $16,493.10) x 11
Amortized Cost = $274,885 - $72,424.10
Amortized Cost = $202,460.90
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Buster has had a serious medical condition for many months. He has used up all of his sick leave and vacation days, as well as 10 weeks of intermittent Family Medical Leave Act leave. He asks for an additional two weeks off. Which of the following is true? A. Buster's employer can fire him because he wants to take more leave B. Buster cannot be fired for reasons aside from his need to take leave. C. Buster cannot take any more leave if he has also used up his sick leave and vacation days. D. Buster is entitled to the leave he is asking for.
Answer:
C. Buster cannot take any more leave if he has also used up his sick leave and vacation days.
Explanation:
Buster has used up all the sick leaves and the vacation leaves and is asking for additional two more weeks off even after taking the ten-week of intermediate family leave he should be not allowed to take more leaves. Through he cannot be fired due to his serious condition but if he has finished all the sick leaves he should not be given.Answer:
b
Explanation:
Use the following table to screen the business idea of selling facial mask:market size and reason, number of jobs created and reason, potential profit and reason, quality and reason, cost per job and reason
Potential profit and reason is the business idea of selling facial mask. Selling the mask can be lucrative endeavor.
Can one sell masks?Regardless of how competitive the face mask industry is, a person may profit by selling this useful product to clients.
The most successful face mask sellers on Etsy have developed a keen eye for detail. Here's a rundown of everything you should do if a person want to be one of them.
Thus, option C is correct.
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In the following pictograph, how many books has Group 3 read?
18
25
15
12
Answer:
15 is the answer you are looking
The time attendance system in the production division at MM, an automobile manufacturing company, was malfunctioning. Consequently, Greg Hill, one of the front-level managers, sent it for repair. In the meantime, he placed a register where all workers of the production division had to provide their time of entry and exit from office. At the end of the week, when looking through the time logs, he had certain concerns about a group of employees. In the next week, he personally tracked the time this group of employees spent working and realized that they were reporting a greater number of working hours than they actually worked. This group engaged in a barrier to communication called _
According to the video, what products were made by Biomedical Engineers?
imaging systems
prescription drugs
artificial limbs
lasers for surgery
naturopathic
Answer:
Imaging systems
artificial limbs
lasers for surgery
Explanation:
I just did the assignment
Answer:
→imaging systems←
→artificial limbs←
→lasers for surgery←
( 1, 3, and 4)
Explanation:
Doing the Assignment, but I hope this helps
The person above is correct so all credit to them↑↑
what is the balance at the end of the 4th year if $8300 is invested under simple interest at an annual rate of 4%?
The balance at the end of the 4th year is $9,332.
This is calculated by multiplying the initial investment of $8300 by 1.04 (the interest rate of 4%) four times.
Calculate the simple interest earned over 4 years
Simple Interest = Principal Amount * Interest Rate * Time
Simple Interest = $8300 * 4% * 4 = $1032.00
Calculate the balance at the end of 4 years
Ending Balance = Principal Amount + Simple Interest
Ending Balance = $8300 + $1032.00 = $9332.00
A purchase made with the intention of creating income or capital growth is known as an investment. An asset's value increasing over time is referred to as appreciation.
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Juan is a young sales professional. He should feel that he is at a disadvantage because his
compensation is tied to his performance. T/F
Juan should not feel that he is at a disadvantage because his compensation is tied to his performance. In fact, having compensation tied to performance can be seen as an advantage for a sales professional. This statement is false.
Here's why:
Incentive for high performance: Tying compensation to performance creates a strong incentive for sales professionals to excel and achieve their targets. Knowing that their efforts directly impact their earnings motivates them to work harder and strive for success.
Reward for exceptional performance: With performance-based compensation, sales professionals have the opportunity to earn higher rewards when they exceed their targets or perform exceptionally well. This can provide a sense of accomplishment and financial satisfaction.
Control over earnings: Performance-based compensation gives sales professionals a certain level of control over their earnings. By putting in the effort, honing their skills, and effectively closing deals, they have the ability to increase their income potential.
Clear measurement of success: Performance-based compensation provides a clear and measurable indicator of success. Sales professionals can track their progress, identify areas for improvement, and set goals to increase their earnings.
While there may be risks associated with performance-based compensation, such as the possibility of not meeting targets or facing variability in income, it is generally considered a fair and rewarding system for sales professionals. It aligns their efforts with organizational goals and provides opportunities for growth and financial success based on their performance.
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Low-income children given two hours of music instruction in orchestras and ensembles showed greater changes than control groups in which aspects of brain development?
Better synchronization of sensory and motor information, as well as executive functions across the left and right hemispheres, are related to faster development of auditory processing and white matter connections are some of the changes shown in brain development.
The prefrontal cortex develops mostly during adolescence and is fully developed by the time a person is 25 years old. The development of the prefrontal cortex is essential for sophisticated behavioral performance and orchestra because it aids in executive brain tasks.
The context takes into account the variables that affect development, such as the critical times for brain development and growth. adversity, trauma, opportunity for growth, deliberate skill development, parental responsiveness and sensitivity, and mindfulness. Most children progressively learn how to arrange objects so they can count more precisely.
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2-3 personal experience of exploitation as a consumer
Answer:
Explanation:
Exploitation often involves a denial of an individual's right (in this case a consumer's right).
Consumers are often exploited in this three areas:
Poor quality standard: For example, one may purchase an electronic device, which in most cases the quality level is determined only after using the product and then discover that the product has failed to meet expectations like performance failure.
High Prices: This is often happens when a consumer isn't aware of the average price of a particular product and may be the taken advantage of by the seller.
False or Incomplete product description: Online shopping often presents this type of exploitation. For example, an individual may buy a wrist watch he thinks is made of silver, but receives the item an discover it is actually made of rubber material.
Using this table, calculate the marginal cost of each of
these quantities of bikes.
The first bike: $
The fourth bike: $
The sixth bike: $
The seventh bike: $
!! Someone please explain how to find the marginal cost, like what is the formula
Answer:
See below
Explanation:
Marginal cost is the additional expenses incurred in producing one more unit of output. Marginal cost is the expenses associated with the production of one extra unit.
In this case, there will be marginal costs in producing the first item. There is no extra unit in the first unit. Marginal costs will be zero. The second item's marginal cost will be the difference between the cost of the second and the first item.
First bike
=0
The fourth bike:
=Forth bike - third bike
=$130 -$110
= $20
The sixth bike
=sixth - fifth
=$210 -$160
=$50
The seventh bike
=seventh - sixth
=$270 -$210
=$60
First bike: $80
Forth bike: $20
Sixth bike: $50
Seventh bike $60
javier’s tune-up shop follows the revenue recognition principle. javier services a car on august 31. the customer picks up the vehicle on september 1 and mails the payment to javier on september 5. javier receives the check in the mail on september 6. when should javier show that the revenue was earned?
If javier services a car on august 31. the customer picks up the vehicle on september 1 . When javier should show that the revenue that was earned is Aug 31.
What is revenue earned?Revenue earned can be defined as the money a company or an organization makes or earn from the sales of goods or and services at a particular point in time.
According to GAAP which is general accepted accounting principles revenue can tend to be recognized only when a goods are delivered to a customers or when the revenue has been earned and not when a money or cash is received.
The revenue that was earned should be shown on Aug 31 based on the fact that Aug 231 was the day the service was performed.
Therefore when javier should show that the revenue that was earned is Aug 31.
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construct a 95% confidence interval for the absolute value of the difference in average earnings?
The resulting confidence interval will provide an estimate of the absolute value of the difference in average earnings between the two groups, with a 95% level of confidence.
To construct a 95% confidence interval for the absolute value of the difference in average earnings, follow these steps:
1. Calculate the mean difference (d) between the two groups' average earnings.
2. Compute the standard deviation (SD) of the difference in earnings.
3. Determine the appropriate critical value (z) for a 95% confidence level, which is usually 1.96.
4. Calculate the standard error (SE) by dividing the SD by the square root of the sample size (n): SE = SD / √n.
5. Multiply the critical value (z) by the standard error (SE): Margin of Error (MOE) = z * SE.
6. Subtract the MOE from the mean difference (d) for the lower limit of the confidence interval, and add the MOE to the mean difference (d) for the upper limit.
The resulting confidence interval will provide an estimate of the absolute value of the difference in average earnings between the two groups, with a 95% level of confidence.
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What do law enforcement public safety corrections and security agencies usually provide to help their employees manage stress Please help !!!! Need answer fast !!
Answer:
The following have been discovered to be of help in reducing stress for law enforcement and public safety officials such as the Police and Military.
Attaining and maintaining work-life balancedeliberately taking out time for leisure activitiesKeeping a very positive mindset alwayssetting and pursuing after goals and avoiding procrastinationPlanning their daily work for enhanced effectivenessExplanation:
Stress amongst law enforcement officials and public safety officials has become very crucial due to the following reasons:
1. It's easy for stress to go on for a prolonged period of time in the lives of these officials because of the nature of their work.
2. They are always in the face of danger and have to take life-or-death decisions/risks very often.
3. Relative inconclusive nature of their work
4. Frequent changes in shifts
5. Financial challenges and
6. In some cases health challenges of the officers in question or loved ones.
Stress amongst Law enforcement officials are very difficult to track because as they are trained to be and look tough...hence a the thinking is that a demonstration of weakness or admission of challenges could be interpreted as incompetence or inability to continue on the job.
Cheers!
Answer:
1600
April 1635: Boston set up a night watch
1700
April 29,1786: The first law enforcement to be killed while on his duty ( Sherriff branch)
September 24, 1789: They established the first-ever law enforcement assigned by george washington himself only thirteen though.
1800
1835:Texas creates the oldest statewide law enforcement
1857: The first department to have pistols in Baltimore
1858:They established the rule that they must be in uniform
April 14, 1865: They established secret services
November 2, 1870: Thomas J. Smith became one of the several chiefs to die on duty
October 26, 1881: The most famous wild west gun fight.
May 6, 1886: 8 Chicago police officers were wounded
December 15, 1890: Six police officers were killed trying to arrest the sixious Indian leaders.
December 16, 1891: The known female to be in law enforcement.
1893: The first national police group was made.
1895: Roosevelt started his police commissioner for three years
1900
1902: Fingerprints were used by law enforcement in the U.S.A
1906:The first law enforcement lady died in duty
1909: although almost 100 officers died on duty these officers sacrificed their lives 96 out of the 100
1914:The first police department to use automobiles
October 3, 1929: the largest amount of officers to die in one incident in colorado being 8 officers
1930: The deadliest year (killed officers 312)
January 2, 1932: Six officers were killed during the young brother massacre trying to get the suspects
1932-1934: a gang killed ten law enforcement officers being the most outlawed
November 22,1963: was shot and died after assassins killed J.F. K
September 1968: First women to patrol their streets
April 6,1970: 2 highly armed gunmen killed 4 patrol officers in just 4 minutes which stared the whole training area for police officers
September 1971: 7 officers where murdered during a massive riot/protest
1974: established softer armor to protect any officer between handgun assult
September 20,1974:The first african american lady killed on duty
October 19 1984: Reagan established as a law for memorial services and day
October 15 1991:Memorialized the officers who fought and passed their lives on duty
September 13 1994: Established the flag should be waved in honor of the officers on May 15th memorial day but only half staff.
April 19 1995:A truck exploded getting rid of an Oklahoma federal building, killing 8 officers and 160 people in just the blast.
2000
November 9 2000: NLEOFM was made
September 11 2001: 72 officers were killed
2002:Homeland security started protecting the usa
October 11 2018: a museum at the Motorola foundational building was supposed to be dedicated in washington.
From the occurring events that have happened throughout the past. These events progressively began building the police system. Because of the actions made, we have created laws to provide safety and security. With everyone who died on duty, we have created memorials and even holidays. With the September 11th attack we brought necessary emergency evacuation and memorial services for the 72 officers who passed on duty. Throughout the police system, we have moved to civil acts and let different colored people participate in the police system. To allow women to act in police systems and we have organized sheriffs, chiefs, and patrol officers.
Explanation:
loukas is the ceo of a company that makes laundry detergent. even in this very competitive market, loukas acts with ________ to take actions that benefit the interests of society as well as the organization.
Loukas acts with social responsibility to take actions that benefit both the interests of society as well as his organization.
It is only acting with social responsibility that balances the interests of society with the interests of the laundry detergent organization.Social responsibility involves checking the resources organizational resources, dealing with social issues, and tackling social problems.Thus, when Loukas acts with social responsibility, it becomes for him to recruit and retain productive employees and achieve profit motives.
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When you receive a loan, the money the lender gives you is called the
Answer:
The Principle
Explanation:
There are two main parts of a loan: The principal -- the money that you borrow. The interest -- this is like paying rent on the money you borrow.
If the supply of iron ore mined in Venezuela has fallen due to significant political disruptions in the country, then the
A. Equilibrium price and equilibrium quantity of Venezuelan iron ore will rise
B. Equilibrium price and equilibrium quantity of Venezuelan iron ore will fall
C. Equilibrium price of Venezuelan iron ore will fall and equilibrium quantity of Venezuelan iron ore will rise
D. Equilibrium price of Venezuelan iron ore will rise and equilibrium quantity of Venezuelan iron ore will fall
If the supply of iron ore mined in Venezuela has fallen due to significant political disruptions in the country, then the Equilibrium price of Venezuelan iron ore will rise and the equilibrium quantity of Venezuelan iron ore will fall.[D].
What makes iron non-renewable?
Due to the period of time, it takes to produce, iron ore is a non-renewable source that is difficult to refill. It is 1.8 billion years old for the majority of the iron ore that is present deep within Earth's rocks.
The Venezuelan iron ore equilibrium price will increase while the equilibrium amount of iron ore in Venezuela will decrease.
Therefore, All elements naturally attempt to change into iron because it is the universe's most stable element.
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What is the factor that you must remember
before investing that has to do with how
risky the investment is?
Answer:
safety of the investment.
Explanation:
Risk management can be defined as the process of identifying, evaluating, analyzing and controlling potential threats or risks present in a business as an obstacle to its capital, revenues and profits.
This ultimately implies that, risk management involves prioritizing course of action or potential threats in order to mitigate the risk that are likely to arise from such business decisions.
Market risk premium can be defined as a measure of the difference between a market rate of return on a market portfolio and the return on a risk-free investment such as government bonds (Treasury bills) or interest rate.
In Risk management, safety of the investment is the factor that you must remember before investing and it typically has to do with how risky an investment is.
Khi nào bán hết 1 tỷ gói mè
Which of the following is the amount of money the business has earned after paying income taxes?
O Sales figures
O Costs of goods sold
O Gross profit
O Net income
Answer:
Net income is the amount of money the business has earned after paying taxes
In circumstances in which there is a labor union, employees may have to
A. allow another person to negotiate their salary
B. increase production to reduce employer costs
C. learn new skills or face unemployment
D. relocate to find work that fits their skills
Answer:
The answer is A. allow another person to negotiate their salary.
Explanation:
Answer:
A
Explanation:
Just took the test
Which of the following is TRUE regarding intermediary sources of capital? (Select all that apply.)A. This category includes investment bankers.B. They can introduce you to other financing sources.C. They are a prime source of early-stage capital.D. They may charge a fee for their services.
A and B are true regarding intermediary sources of capital. This category includes investment bankers, who can introduce you to other financing sources.
However, C is false as intermediary sources of capital are not a prime source of early-stage capital. They are more likely to provide funding for established businesses with a proven track record. Finally, D is also true as intermediary sources of capital may charge a fee for their services, which can include due diligence, underwriting, and advisory services. These fees can vary depending on the complexity of the financing transaction and the amount of capital being raised.
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For each scenario, calculate the cross-price elasticity between the two goods and identify how the goods are related. Please use the midpoint method when applicable, and specify answers to one decimal place. A 20% price increase for Product A causes a 10% decrease in its quantity demanded, but no change in the quantity demanded for Product B.
Answer:
No relation
Explanation:
The computation of the cross elasticity of demand is shown below:
= Percentage change in quantity demanded ÷ Percentage change in price
here the price is increased by 20% for product A
But there is no change in the quantity demanded for product B
So, the cross elasticity of demand is
= 0 ÷ 20%
= 0
Therefore there is no relation between two products or goods
Managers facing job candidates who lack team skills should do all of the following except ________. A) avoid hiring the job candidate B) hire the candidate, but assign them to tasks where teamwork is not important C) provide the candidate with the type of training that can help improve his or her ability to be a successful member of a team D) choose the individual with the best technical skills regardless of his or her ability to perform as a member of a team E) bring the candidate on board, but assign the individual to an area where teamwork is not a priority
Managers facing job candidates who lack team skills should do all of the following except avoid hiring the job candidate. The correct answer is option (A). it is tempting to simply avoid hiring someone who lacks team skills, it is not always the best solution.
Managers should recognize that team skills can be improved through training and coaching, and therefore they should provide the candidate with the type of training that can help improve his or her ability to be a successful member of a team. Additionally, it may be possible to hire the candidate and assign them to tasks where teamwork is not important, or to bring the candidate on board and assign the individual to an area where teamwork is not a priority.
However, managers should avoid choosing the individual with the best technical skills regardless of his or her ability to perform as a member of a team, as this can lead to long-term problems within the organization. Ultimately, managers should take a balanced approach that considers both the candidate's technical skills and their ability to work well as part of a team. Hence the right answer is option (A).
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A party can be discharged from a contract. Name eight ways thata party can be discharged.
A party can be discharged from a contract by impossibility of performance, breach of contract, rescission, frustration of purpose, operation of law and illegality.
1. Performance: The parties fulfill all the terms and conditions of the contract, and the contract comes to an end. A party is discharged from a contract when they have fully performed their contractual obligations.
2. Mutual agreement: Both parties agree to end the contract by mutual consent. Both parties may mutually agree to terminate the contract, thereby discharging their obligations.
3. Impossibility of performance: The performance of the contract becomes impossible due to unforeseeable events, such as war, natural disasters, or death of the parties involved.
4. Breach of contract: A party breaches the contract, and the non-breaching party can choose to terminate the contract. If one party breaches the contract, the other party can be discharged from their obligations.
5. Rescission: One party can request the court to rescind or cancel the contract due to misrepresentation, fraud, or mistake.
6. Frustration of purpose: The objective of the contract becomes meaningless due to unforeseeable events, such as a change in law or regulation.
7. Operation of law: The contract becomes illegal due to a change in the law, or the contract is declared void by the court. A party can be discharged by operation of law, such as bankruptcy, which makes it impossible for the party to fulfill their contractual obligations.
8. Illegality: If the subject matter of the contract becomes illegal or the contract itself is found to be against public policy, a party can be discharged from the contract.
By understanding these eight ways, you can better navigate the circumstances that may lead to a party being discharged from their contractual obligations.
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When positive externalities are present in a market a. private benefits will be greater than social benefits. b. social benefits will be greater than private benefits. c. only government regulation will solve the problem. d. the market will not be able to generate an equilibrium.
Answer:
b. social benefits will be greater than private benefits
Explanation:
Positive externalities can be defined as those that produce positive effects for society in relation to the consumption of a good or service.
This is because the social benefit is the sum of the private benefit plus the sum of the external benefit.
An example of positive externality pertinent to the present is the fact that vaccinating people generates greater positive effects on society, because when vaccinating an individual there is less chance of having more people infected with some disease.
So it is correct to say that the social benefits will be greater than the private ones. Letter b.
the new high-tech deep-sea vessel that your program is developing requires five separate research and development projects to create new materials and components. each component relles interdependency a risk or an opportunity?
to develop novel components and materials. Each element poses a danger due to their interdependence.
What materials are commonplace?Any excavated material that is not "topsoil," "rock," or man-made hard material is referred to as "common material." Sample 1: "Common Material" refers to components utilised in the manufacture, testing, and packaging of devices for the buyer as well as for devices made by the provider or its other clients.
What do materials go by?A substance or combination of substances that makes up an object is called the material. Materials may be living or non-living, pure or impure. Materials can be categorised according to their chemical and physical characteristics, as well as according to their geological or biological origin.
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The Category Profile that involves evaluating the major forces and trends that are impacting in industry: including pricing competition, regulatory forces, technology, and demand trends is called the: A. External Industry Analysis B. Global Industry Analysis C. Complete Industry Analysis D. Commodity Industry Analysis E. Practical Industry Analysis
The Category Profile that involves evaluating the major forces and trends that are impacting in industry: including pricing competition, regulatory forces, technology, and demand trends The correct answer is A. External Industry Analysis
External Industry Analysis. This category profile involves assessing external factors that can affect a particular industry, such as pricing competition, regulatory forces, technology, and demand trends. Technology is an important aspect to consider when evaluating the external forces that impact an industry, as it can greatly affect the competitiveness and innovation within the industry.
Hi! The category profile that involves evaluating major forces and trends impacting an industry, including pricing competition, regulatory forces, technology, and demand trends, is called the: A. External Industry Analysis.
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ANSWER ASAP PLEASE Which statement describes a way to use credit responsibly?
paying attention to the APR
and not the
APY
paying only the minimum payment each month
opening several different credit accounts
o understanding the account's interest rate
Answer:
understanding the interest rate
Explanation:
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