like most central banks around the world, the federal reserve does not provide deposit accounts for individuals. suppose the fed decided to issue digital currency by offering unlimited access to interest-paying deposit accounts for individuals. what problems might this cause for the financial system? instructions: in order to receive full credit, you must make a selection for each option. for correct answer(s), click the option once to place a check mark. for incorrect answer(s), click the option twice to empty the box. check all that apply there will likely be strong demand on central bank direct deposits, increasing the risk that small disturbances in the economy will cause commercial bank runs. the central bank will face pressure to direct credit as well as money and interest rates. the central bank would face pressure to let state banks decide credit, resulting in a loss of some control over fiscal policy. commercial banks will have difficulty funding illiquid loans, like mortgages, because deposits will decrease. the central bank would not add the compliance measures necessary to prevent illegal activities potentially aided by the change in finance.

A firm is operating in the United States with only two other competitors in the industry. It is likely this industry would be characterized as an oligopoly. The Option D is correct.

An oligopoly refers to a market structure in which a market or industry is dominated by a small number of large producers. Its often result from the desire to maximize profits which can lead to collusion between companies which reduces competition, increases prices for consumers, and lowers wages for employees.

Many industries that are called oligopolistic includes civil aviation, electricity providers, the telecommunications sector, Rail freight markets etc.

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Answer:

creating designs, concepts, and sample layouts

scheduling projects for clients

determining size and arrangement of illustrative material and copy

developing graphics and layouts

Answer:1,2,5,6.

Explanation:

According to the question the Smith Co.'s purchases amount to $287,000.

Purchases are transactions in which goods and services are exchanged for money or its equivalent. Purchasing is a process of buying goods and services from other businesses or individuals. Purchases are made for various reasons and can include items for resale, manufacturing, or personal use.

Smith Co. purchases can be calculated by subtracting the ending inventory from the beginning inventory and adding the sales amount. The formula is:
Purchases = Beginning Inventory + Sales - Ending Inventory
Therefore, Smith Co.'s purchases are:
Purchases = 30,000 + 275,000 - 18,000
Purchases = 287,000
Therefore, Smith Co.'s purchases amount to $287,000.

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The Nelson Company has $1,200,000 in current assets and $480,000 in current liabilities. Its initial inventory level is $305,000, and it will raise funds as additional notes payable and use them to increase inventory.

To avoid a decline in the current ratio below 2.0, how much can Nelson's short-term debt (notes payable) increase?The formula for calculating the current ratio is:

Current ratio = Current assets / Current liabilities. A current ratio of 2:1 or greater is generally considered acceptable for most enterprises. So, the current ratio is as follows:

Current ratio = $1,200,000 / $480,000 = 2.5 times

Let us now determine the maximum amount of short-term funds the company may obtain without pushing its current ratio below 2.0. Assume that the company raises the amount of additional notes payable, X dollars, and uses it to buy inventory. The maximum quantity of notes payable that can be added to inventory without causing the current ratio to fall below 2.0 is then determined as follows:

$1,200,000 / ($480,000 + X) ≥ 2.0$480,000 + X ≤ $600,000X ≤ $120,000

Thus, the maximum amount of additional notes payable is $120,000. If Nelson were to increase its notes payable by the maximum amount, its current liabilities would increase by $120,000, from $480,000 to $600,000. As a result, Nelson's current ratio would decline as follows:

Current ratio = $1,200,000 / $600,000 = 2.0 times

Let us now calculate the company's quick ratio after it has raised the maximum amount of short-term funds. The Quick ratio is determined by dividing the current assets by the difference between the current assets and the inventory. QR = (Current assets – inventory) / Current liabilities The calculation of quick ratio is as follows:

Quick ratio = ($1,200,000 − $305,000) / $480,000 = 1.99 times

The quick ratio after Nelson has raised the maximum amount of short-term funds will be 1.99 times.

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The equity of the stockholders will be $56,000.

Stockholders' equity, also known as shareholders' or owners' equity, is the number of assets accessible to shareholders after all liabilities have been paid. It is measured as a firm's total assets less total liabilities, or as the sum of share capital and retained earnings less treasury shares.

Stockholders' equity may include common stock, paid-in capital, retained earnings, and treasury stock. Stockholders' equity can be used to evaluate the cash held by a company. If this value is negative, it may signal that the company is about to declare bankruptcy, especially if it has a substantial debt load.

Calculation:

Gracie Co. has $32,000 in current assets, $58,000 in long-term assets, $14,000 in current liabilities, and $20,000 in long-term liabilities. Determine the equity of investors.

32,000 + 58,000 = 90,000 in assets

14,000 liabilities = 20,000 liabilities = 34,000 liabilities

Liabilities plus stockholder equity equals assets.

or:

Stockholder equity equals assets minus liabilities.

90,000 - 34,000 = shareholder equity

$56,000 in shareholder equity.

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Answer:

Early precautionary measures of trouble ahead can not be issued.

Explanation:

Since a strategic strategy maps out a path for the organisation to follow, it will enable it tighten its attention in order to get somewhere. Therefore, strategic preparation will help the organisation create the best priorities and strategies and help others concentrate their energies on achieving them.

Answer:  C. Reporting odd emails as spam

Explanation:

A decrease in consumption  may not be matched by an increase in investment spending because saving is more responsive to changes in income than to changes in the interest rate and investment is more responsive to technology and business expectations than to changes in the interest rate.

 Therefore, the increase in savings may not result in an increase in investment spending.Keynes put forth the concept of "The General Theory of Employment, Interest, and Money," which discussed how aggregate demand plays a crucial role in macroeconomics. Keynes put forth that the economy's output is determined by aggregate demand, which refers to the total amount of goods and services that consumers, firms, and the government are willing to buy at a specific price level.

Furthermore, he claimed that investment, rather than savings, is the primary driver of economic growth, arguing that savings could hinder economic development.Keynes theorized that the relationship between savings and investment is based on the interest rate, which he believed was not stable. The rate of interest varies depending on the level of investment spending, which determines the amount of money businesses and investors borrow to finance new ventures.

As a result, if the interest rate increases, investment spending will decline, causing output and employment to decrease. If the interest rate falls, however, investment spending will rise, resulting in a rise in output and employment.Therefore, it can be concluded that Keynes held that saving is more responsive to changes in income than to changes in the interest rate and that investment is more responsive to technology and business expectations than to changes in the interest rate.

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Answer:

Total liabilities/total assets

Explanation:

Debt ratio can be calculated by using the formula Total liabilities/total assets.

Debt ratio refers to the ratio of the debt and assets of a person or company. This is also known as the total debt to the total assets ratio.

A debt ratio enables a company to specify and identify how much percentage of the company's assets are liable for leverage. This allows the company to know how to manage the business or work through their debt accordingly. Thus, the correct formula to calculate the debt ratio is total liabilities/ total assets.

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Answer:

additional equity I think

The balance on a credit card, that charges a 20% APR interest rate, the Finance charge is given as

$4.3055

This is further explained below.

Generally, The interest rate that is applied to a loan, mortgage loan, credit card, etc. is referred to as an annual percentage rate of charge, which sometimes corresponds to a nominal APR and sometimes corresponds to an effective APR.

The annual percentage rate of charge is the interest rate for the entire year, as opposed to just a monthly fee or rate. It is a fee for financing that is presented in the form of an annual rate.

Interest rate APR = 12%

Average balance = ((200*5)+(350*15)+(150*10))/30

Average balance = $258.33

Average balance*APR/12

Finance charge =\(\frac{258.33*20 \%}{12 }\)

Finance charge = $4.3055

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Answer: True

Explanation:

At a socially optimal market outcome, the price of goods and services would incorporate all the costs and benefits of producing it including the third party benefits and costs known as Externalities.

When market failure occurs, it is because individual actions have resulted in an inefficient allocation of resources which means that the goods and services on offer will not adequately include the costs of producing gods and services. This is not a socially optimal outcome so the statement above is true.

Answer:

d. government mandate economics

Explanation:

during the industrial era the government stepped in to stop wealthy monopoly companies from corruption of the government

The correct option is (d) Government mandate economics.

The group of people responsible for governing the country is called the government. If some government has a mandate for carrying out any policy or task, then they somewhat get the authority to win the election or vote. Hence (d) is correct out of all options.

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Unearned income refers to income that is received without the recipient having to perform any labor or service to earn it.

This type of income is typically derived from investments, rental income, or other passive income sources, and it contrasts with earned income, which is income that is earned through work or services provided.

Examples of unearned income include interest income earned from savings accounts or bonds, dividends earned from stock investments, rental income earned from real estate properties, and royalties earned from creative works such as music or books.

In contrast to earned income, unearned income is not directly tied to the amount of labor or service provided by the recipient. Instead, it is based on the performance of the underlying investment or asset. This can make unearned income a more passive form of income, as it requires less effort to maintain than earned income.

Unearned income is subject to taxation, just like earned income, and it's essential to understand how it's taxed and reported on your tax returns to ensure compliance with applicable tax laws.

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Answer: d. people have the ability to help accomplish an organization's goals

Answer: Health Worker treating her patient and Donation made by business house community kitchen are the economic activity

Explanation:1. Health worker treating her patient: Yes, this is an economic activity. The health worker is providing a service (medical treatment) to her patient, which is typically compensated through payment or covered by health insurance. It involves a professional exchange where the health worker's skills and expertise are utilized to diagnose, treat, and care for the patient's health.

2. Store owner sympathizing with a needy elderly person and giving medicines for his ailment: No, this is not necessarily an economic activity. While the store owner is providing medicines to the elderly person, the act is driven by sympathy rather than a business transaction. It falls more within the realm of charitable or humanitarian assistance rather than an economic exchange.

3. Football coach giving training in football to his daughter for a forthcoming match: No, this is not an economic activity. The football coach is providing training to his daughter, which is a non-commercial activity. The motive here is personal and not related to a financial transaction or professional engagement.

4. Services of a housewife doing household chores at home: No, this is not considered an economic activity in the traditional sense. The services provided by a housewife within the household, such as cooking, cleaning, and taking care of children, are not typically monetarily compensated. They are part of unpaid domestic work, which is important but not recognized as a formal economic activity.

5. Donation made by a business house towards a community kitchen run by an NGO for providing food and medicines to underprivileged people and migrant workers during the Covid-19 pandemic: Yes, this can be considered an economic activity. While the business house is making a donation, it involves a financial transaction where resources are being transferred to support the community kitchen's operations. The donation can be seen as a contribution towards social welfare and can have economic implications, such as tax benefits or public relations benefits for the business house.

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The health worker treating her patient is an economic activity as it involves providing a service and receiving compensation. The other scenarios, such as charitable assistance or activities within a family, are not considered economic activities.

1. Health worker treating her patient: Economic activity. The health worker is providing a service and being compensated for it.

2. Store owner sympathizing with a needy elderly person and giving medicines for his ailment: Not an economic activity. The store owner is providing charitable assistance without any expectation of compensation.

3. Football coach giving training in football to his daughter for a forthcoming match: Not an economic activity. The football coach is providing services within the context of a family relationship.

4. Services of a housewife doing household chores at home: Not an economic activity. The services provided by a housewife at home are not part of the formal labor market.

5. Donation made by a business house towards a community kitchen run by an NGO for providing food, medicines to underprivileged people, and migrant workers of the society during Covid-19 pandemic: Not an economic activity. The donation is a charitable act and does not involve a transaction of goods or services.

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Answer:

It gives people hope and trust in that person. Promiss are a mere social construct however they add that bit of extra trust to the mix

Answer: a

Explanation:

True...

Email is a good way of communication instead of the use of a phone call or text. Email is very convient to businesses and companies.

The complete sentence is summarized below:

The annual master budget file includes the budget from last year because it is needed for the schedule of expected cash collections.

Annual master budget files are a collection of files with detailed lists of cash movements inside, from and to a business. This information is useful to predict and estimate expected cash movements and to construct expected budget in terms of costs and time for the next fiscal year.

For this reason, an annual master budget file must include the budget from last year. The complete sentence is summarized below:

The annual master budget file includes the budget from last year because it is needed for the schedule of expected cash collections.

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Having stuffed animals have indeed changed human lives and made them better by providing them with a sense of comfort and security.

Stuffed animals seem to have become an integral part of the lives of children as they are seen as companions and playthings by these children to keep from being bored and to have another source of friendship.

Stuffed animals are not limited to helping children alone however, because there are adults who enjoy having the company of stuffed animals for a variety of reasons ranging from cuddling to proof of affection from a loved one.

Some might think that it is silly to assume that stuffed animals have made human life better but they would be wrong. Research has shown that people who use stuffed animals feel a sense of comfort and safety when they are around these animals which is hugely important.

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Bonds that are backed only by the bondholder are known as unsecured bonds.

Unsecured bonds, also known as debentures, are a type of bond that is not backed by specific collateral or assets. Unlike secured bonds, which have specific assets pledged as collateral, unsecured bonds rely solely on the creditworthiness and ability of the bond issuer to repay the principal and interest.

The bondholder holds a general claim on the issuer's assets, but in the event of default or bankruptcy, they are not guaranteed repayment from any specific asset. Therefore, the bondholder assumes a higher risk compared to holders of secured bonds.

Unsecured bonds often offer higher interest rates to compensate for the increased risk.

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The direct materials budget for april, may, and june is as follows:

zira co.

to prepare the direct materials budget, we need to calculate the materials needed for production, the total materials requirements, the budgeted ending inventory, and the materials to be purchased for each month.

first, let's calculate the materials needed for production for each month:

april: 696 units × 4 pounds per unit = 2,784 poundsmay: 750 units × 4 pounds per unit = 3,000 pounds

june: 728 units × 4 pounds per unit = 2,912 pounds

next, let's calculate the total materials requirements for each month by adding the materials needed for production to the budgeted ending inventory:

april: 2,784 pounds + (0.4 × 3,000 pounds) = 3,984 poundsmay: 3,000 pounds + (0.4 × 2,912 pounds) = 4,045 pounds

june: 2,912 pounds + (0.4 × 2,870 pounds) = 3,984 pounds

now, let's calculate the materials to be purchased for each month by subtracting the beginning inventory from the total materials requirements:

april: 3,984 pounds - 1,114 pounds = 2,870 poundsmay: 4,045 pounds - 2,870 pounds = 1,175 pounds

june: 3,984 pounds - 1,175 pounds = 2,809 pounds

finally, let's calculate the total budgeted direct materials cost for each month by multiplying the materials to be purchased by the cost per pound:

april: 2,870 pounds × $4 per pound = $11,480may: 1,175 pounds × $4 per pound = $4,700

june: 2,809 pounds × $4 per pound = $11,236 direct materials budget for april, may, and june

 april    may     juneunits to be produced   696    750     728

materials required per unit (lbs) 4    4       4materials needed for production (lbs) 2,784 3,000   2,912

budgeted ending inventory (lbs)   1,200  1,165   1,147total materials requirements (lbs) 3,984  4,165   4,059

beginning inventory (lbs)   1,114  1,200   1,165materials to be purchased (lbs)  2,870  2,965   2,894

cost per lb   $4    $4      $4total budgeted direct materials cost $11,480 $11,860 $11,576

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To calculate the total monthly cost of operating the business, we need to consider the salary and hiring data, costs of materials, and expenses related to business equipment and the workspace.

1. Calculate employee salaries per month:
- Collar maker: $16/hour * 40 hours/week * 4 weeks/month = $2,560
- Leash maker: $16/hour * 40 hours/week * 4 weeks/month = $2,560
- Harness maker: $17/hour * 40 hours/week * 4 weeks/month = $2,720
- Receptionist: $15/hour * 30 hours/week * 4 weeks/month = $1,800

Total salaries per month = $2,560 + $2,560 + $2,720 + $1,800 = $9,640

2. Allocate rent and utilities based on square footage:
- Rent: $750/month * (1,500 sq ft / 1,500 sq ft) = $750
- Utilities and insurance: $600/month * (1,500 sq ft / 1,500 sq ft) = $600

3. Calculate depreciation for industrial sewing machines:
- $9,900 total cost / 60 months (5-year life) = $165 per month

4. Calculate other monthly costs:
- Office supplies: $200
- Loan payment: $550
- Salary drawn: $500

5. Sum up all the monthly costs:
Total monthly cost = $9,640 (salaries) + $750 (rent) + $600 (utilities and insurance) + $165 (sewing machines depreciation) + $200 (office supplies) + $550 (loan payment) + $500 (salary drawn) = $12,405

The total monthly cost of operating the business is $12,405.

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The total amount Darrin paid after receiving the rebate would be $525. It is the basic concept of finding the final price after discount.

To find the final price that Darrin paid for the video camera after receiving the rebate, you need to subtract the amount of the rebate from the original price of the camera. In this case, the original price of the camera is $620, and the rebate he received is $95.

So, to find the final price, you subtract the rebate amount from the original price:

$620 - $95 = $525.

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In the scenario given, the department that was said to have created the problem is the admin department because the document to show that there was low stocks was filled in the wrong place and as such, the  purchasing department was not made aware.

The consequences are:

There should be a computerized system on all product and their quantities should be included such that when the product is getting low on stock, the system will alert the admin and appropriate steps to new buy product will be taken

Since the creditors  were not paid on time, the department that created the problem is also the admin department

The purchasing department created this problem.

The purchasing department need to buy quality Stocks. They can hire a professional who knows the quality so that he or she can help with the purchase.

1.4.

The sales department created this problem

The sales department need to use a method that will not surprise the people such that they can be create an ad or place the new product one at a time not all new product at the same time.

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The market in question is a natural monopoly because the demand curve intersects the long run average cost curve at a point where the long run average cost curve is downward sloping.

The long run average cost curve is U-shaped, which is characteristic of natural monopolies. This is due to the fact that natural monopolies have significant economies of scale at low levels of production. However, as production increases, the marginal cost of production decreases, resulting in economies of scale.

As a result, the cost of production becomes flat or slightly decreasing as output increases.

A natural monopoly is a kind of monopoly that arises when there are significant economies of scale at low levels of output, resulting in high fixed costs relative to marginal costs.

It is a market in which a single company dominates the production and distribution of a particular commodity or service, owing to the significant cost advantages it has over its competitors.

The diagram shows the long-run average cost (LRAC) and the demand curve for a natural monopoly. At low levels of production, the average cost is high, while at high levels of production, the average cost is low.

As a result, the natural monopoly is characterized by significant economies of scale.

A natural monopoly has the power to raise prices, restrict supply, and control access to the market, which can result in higher prices and lower output for consumers.

As a result, governments frequently regulate natural monopolies in order to promote competition and protect consumers.

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Answer:

A I think not really sure hope this helps you