True. Some loans are risk-free, while others pose serious threats to businesses.
Loans can vary in terms of risk depending on various factors such as the borrower's creditworthiness, collateral, repayment terms, and the nature of the loan itself. Some loans are considered risk-free, typically those with low default rates and strong borrower credentials. These loans have a high likelihood of repayment and pose minimal threats to businesses.
On the other hand, certain loans carry a higher level of risk. This may include loans to borrowers with poor credit histories, loans without sufficient collateral, or loans with unfavorable repayment terms. Such loans can pose serious threats to businesses due to the increased likelihood of default, potentially leading to financial losses and disruptions in operations.
To manage risks associated with loans, lenders employ various strategies such as conducting thorough credit assessments, requiring collateral, setting appropriate interest rates, and establishing repayment schedules that align with the borrower's ability to pay.
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This is all apart of one question I promise. This is for a Marketing Class. Answer each separately please.
Describe some ways in which Zappos uses digital media tools. How does Zappos encourage word-of-mouth marketing through digital media? How does Zappos use digital media to create an authentic relationship with consumers?
Zappos, an online retailer known for its customer-centric approach, effectively utilizes various digital media tools to enhance its marketing efforts.
Zappos is an online retailer that has become synonymous with exceptional customer service and a customer-centric approach. Founded in 1999, Zappos has built a reputation for providing a wide range of products, with a particular focus on footwear and apparel. However, what truly sets Zappos apart is its commitment to creating an exceptional customer experience. From its hassle-free return policy to its 24/7 customer service, Zappos goes above and beyond to ensure customer satisfaction.
The company's success can be attributed to its core values of delivering happiness, fostering a positive company culture, and embracing innovation. Zappos has become a prime example of how a strong customer focus can lead to long-term success in the online retail industry.
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during her recent performance appraisal, veasna learned that her manager thinks she has a good attitude and emerging leadership potential. veasna’s manager seems to be using a _____ appraisal.
An appraisal is used to evaluate an employee's performance on the job. The performance appraisal type that was used when Veasna learned that her manager thinks she has a good attitude and emerging leadership potential is;
360-degree360-degree performance appraisal is the type where employees who are subjected to performance appraisal are given feedback by the person who performed the appraisal.
We see this in the case of Veasna who received positive feedback from her manager. She can then feel encouraged and work harder.
Summarily, the 360-degree performance appraisal was used for Veasna.
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unified grows its inventory by purchasing from producers and then it distributes these products to retailers of all shapes and sizes. which logistic function does this represent?
Considering the situation described above, the logistic function this represents is "Warehousing."
This is because Warehousing is one of the logistics functions whereby producers or wholesalers store their products in a warehouse near their major distributors, such as wholesalers and retailers, before selling to retailers.
Other types of logistics functions include the following:
Order processing.Materials handling.Inventory control.Transportation.Packaging.Note that this is different from the marketing supplying chain, which usually consists of producers, wholesalers, retailers, and consumers.
Hence, in this case, it is concluded that the correct answer is Warehousing.
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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 :)
What information is necessary to calculate the after-tax return on investment (ROI)?
A.
whether the capital gains are long term or short term and the dividends are qualified or nonqualified
B.
whether the capital gains are long term or short term and which company paid the dividends
C.
whether the capital gains are from the sale of a stock or a bond
D.
whether the investment was purchased individually or through a brokerage firm
The information that is necessary to calculate the after tax return on investment is whether the capital gains are long term or short term and which company paid the dividends.
What is the after-tax return on investment ?This is a term that has to do with the profit that is made from a business venture after the tax amount has been calculated from the enterprise.
Businesses use this as a way of trying to determine the earnings that they have.
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Answer:
B
Explanation:
You're welcome
Using any of the personality test, determine the personalities of 10 employees of any local Namibian organisation
There are various types of personality tests available, including the Myers-Briggs Type Indicator (MBTI), the Big Five Personality Traits, and the DISC assessment. Each of these tests measures different aspects of an individual's personality, such as their communication style, decision-making skills, and interpersonal relationships.
To determine the personalities of 10 employees in a local Namibian organization, you could consider administering one of these personality tests to each individual. This would involve providing the employees with a questionnaire or series of questions to answer. The results of the personality test could then be analyzed to identify the specific personality traits and characteristics of each employee.
However, it is important to note that personality tests should only be administered by trained professionals and with the consent of the individuals being tested. Additionally, the results of personality tests should be interpreted carefully and not used as the sole basis for making employment decisions.
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Which of these steps is considered the most important when researching and promoting an event?
a) Selecting the best media to reach your target audience
b) Developing your message
c) Defining and analyzing your target audience
d) Establishing your desired end result
The best step to research and promote an even is by Defining and analyzing your target audience.
What is Research?Research refers to some findings or investigations that help to create or portray new knowledge by using formal nowledge in another way so as to develop new concepts, methodologies and understandings. This can include analysis of former researches, thesis and so on.
Therefore, The best step to research and promote an even is by Defining and analyzing your target audience.
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normative statements involve value judgement is these statemen true or false?
Answer:
A normative statement is one that makes a value judgment. Such a judgment is the opinion of the speaker; no one can prove that the statement is or is not correct
Explanation:
interactive decision procedure for watershed nutrient load reduction: an integrated chance-constrained programming model with risk—cost tradeoff
The phrase "interactive decision procedure for watershed nutrient load reduction: an integrated chance-constrained programming model with risk-cost tradeoff" refers to a decision-making process aimed at reducing nutrient loads in a watershed.
This process involves using an integrated model that considers both the risk and cost associated with different options.
Here is a step-by-step explanation of the process:
1. Identify the watershed: Determine the specific watershed for which nutrient load reduction is required.
2. Gather data: Collect information on the current nutrient loads in the watershed, including sources and their impacts.
3. Develop the model: Create an integrated chance-constrained programming model that incorporates various factors such as land use practices, farming techniques, wastewater treatment, and conservation measures.
4. Incorporate risk and cost: Integrate risk and cost factors into the model to assess the tradeoff between reducing nutrient loads and the associated costs and uncertainties.
5. Evaluate options: Utilize the model to analyze different scenarios and assess their effectiveness in reducing nutrient loads while considering the associated risks and costs.
6. Make decisions: Based on the model's outputs, make informed decisions regarding the most suitable options for reducing nutrient loads in the watershed.
In conclusion, the interactive decision procedure for watershed nutrient load reduction involves employing an integrated model that takes into account risk and cost tradeoffs to identify effective solutions for reducing nutrient loads in a specific watershed.
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The "interactive decision procedure for watershed nutrient load reduction" refers to a method that helps in managing and reducing the amount of nutrients, such as nitrogen and phosphorus, that enter a watershed.
It is an integrated approach that combines chance-constrained programming with risk-cost tradeoff. Chance-constrained programming involves incorporating uncertainties into the decision-making process. It allows for flexibility by considering the probability of meeting water quality targets while minimizing costs. This approach ensures that the risk of not achieving desired water quality outcomes is within acceptable limits.
Risk-cost tradeoff refers to the balance between the potential environmental risks and the associated costs of implementing various nutrient reduction strategies. It aims to find an optimal solution that minimizes costs while effectively reducing nutrient loads.
In summary, the interactive decision procedure for watershed nutrient load reduction is an approach that considers uncertainties, tradeoffs, and costs to develop effective strategies for reducing nutrient loads in a watershed.
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withdrawn rs 1000 on a permanent basis out of capital.
Answer:
withdraw a/c...........Dr 1000
To cash a/c 1000
Explanation:
Goldin Corporation currently pays its salesperson a flat salary of $5,000 per month and is considering paying $20 per unit instead. Sales are currently 200 units per month. Goldin believes the compensation change will increase unit sales by 50%. The current contribution margin is $80 per unit. If the change is implemented, net operating income will ______.
Answer:
Increase by $7,000
Explanation:
Calculation to determine the operating income
First step
Current income=($80 x 200) - $5,000
Current income= $11,000
With the change= ($80 - $20) x 200 x 150%
With the change = $18,000
Now let determine the net operating income
Operating income = $18,000-$11,00
Operating income= $7,000 per month
Therefore If the change is implemented, net operating income will INCREASE BY $7,000
How does the way you feel about yourself affect hiw others see you?
I don't think my reality influences how I am viewed by others. It is the other way around, though.
If I ALLOW IT, how people see me will influence how I see myself. It depends on the person in a positive or negative way.
Everyone has their own reality; they have their own vision of how they see themselves and others. If someone is mad at me, then I don't take it personally as much as possible because I know they represent their reality, not mine, to me.
why does pepsico need to develop organizational ethics programs in russia? a.to maintain trust with governments and the general public b.to discourage undesirable conduct c.to give employees clear guidelines of acceptable behavior d.all of the options
All of the options. PepsiCo needs to develop organizational ethics programs in Russia to maintain trust with governments and the general public, to discourage undesirable conduct, and to give employees clear guidelines of acceptable behavior. (option D)
Organizational ethics programs help companies establish a culture of ethical behavior, which can help them avoid legal and reputational problems. In Russia, where corruption is a serious problem, having strong organizational ethics programs can help companies avoid getting caught up in unethical practices. Additionally, by demonstrating a commitment to ethical behavior, companies like PepsiCo can build trust with the government and general public, which can help them build their business in the region. Finally, having clear guidelines for acceptable behavior can help employees avoid making mistakes that could lead to legal or reputational problems.
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The __________ of a bond is the face value, or amount of principal that the bond is worth when the principal amount is due.
The par value of a bond is the face value, or amount of principal that the bond is worth when the principal amount is due. Below is a further knowledge on par value.
Understanding par valuePar value, in other words, called nominal value, is the face value of a bond or the stock value stated in the corporate charter. Par value for a bond is usually $1,000 (or to a lesser degree $100), as these are the most common denominations in which they are issued.
Therefore, the answer is par value.
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A fair game is ______. Multiple select question. an investment prospect that has a risk premium of zero not a speculative venture a gamble something a risk-averse investor will accept
A fair game is an investment prospect that has a risk premium of zero and not a speculative venture. It is considered a gamble, but it might not necessarily be something a risk-averse investor will accept.
A fair game is not a speculative venture or a gamble.
It is an investment prospect that has a risk premium of zero, meaning that the expected return on investment is equal to the required rate of return. This is something a risk-averse investor will accept, as it is not associated with any undue risks or uncertainties. However, providing a comprehensive and accurate explanation of a fair game required, as it involves various concepts and factors that determine the risk and return of an investment opportunity.Thus, a fair game is an investment prospect that has a risk premium of zero and not a speculative venture. It is considered a gamble, but it might not necessarily be something a risk-averse investor will accept.Know more about the risk premium
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Culver City College, a public college, has a 10-week summer session that starts on June 25, 2020, so that one week is held during FY 2020 and the other nine weeks meet during FY 2021. Tuition and fees in the amount of $1,000,000 were collected from students for classes to be conducted in this session.
Required:
What amount should Culver City College recognize as unrestricted revenue in each of the years ended (FYE) June 30, 2020 and June 30, 2021?
Based on the information given, the amount that will be recognized as unrestricted revenue in each of the years will be $100,000 and $900,000.
Unrestricted revenue simply means the donations that can be used by a company or group for purposes that meet the goals that were set aside.
From the information, the unrestricted revenue in June 30, 2020 will be:
= 10% × $1,000,000
= $100,000
The unrestricted revenue for June 30, 2021 will be:
= $1,000,000 - $100,000
= $900,000
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Which statement most accurately describes a conflict of commitment? It involves a monetary gain by one party over another party. It occurs when outside activities interfere with one’s responsibilities to an employer. It occurs when an institution does not follow the financial rules from a funding source. It can only occur between an institution and an outside organization.
Answer:
It occurs when outside activities interfere with one's responsibilities to an employer
Explanation:
Conflict of commitment occurs when the commitment of an employer to a defined terms of employment is shared with other engagements, either personal or with other parties which could lead to a decline in efficiency due to loss of maximum concentration.
This may not necessarily involve monetary gain but has a whole lot of ways through which it can affect productivity as concentration is shared.
It is always good to define activities that constitute conflict of commitment right from the time of forming an employment contract so that an employee can be guided with it.
What's your annual income if you're unemployed?
$46,819
Unemployed Salary
Annual Salary Hourly Wage
Top Earners $57,500 $28
75th Percentile $57,500 $28
Average $46,819 $23
25th Percentile $32,000 $15
organization formed mainly by traders and manufacturers to cater for the interest of their members is
Answer:
A trade association
Explanation:
A trade association is an organization or a group founded by businesses in the same industry. A trade association is created to assist in coordinating activities that improve the welfare of its members. By uniting in an association, firms can lobby for a better business environment from the government.
A trade association allows members to bond and network. It presents an opportunity for members to strategize and exchange important business information.
Consider a
European call
option with six months to maturity written on a stock. The current
stock price is $100 and the strike price of the option is $95. The stock price follows a binomial
process. Specifically, over each of the next two three-month periods (Δt = 0.25) it is expected to go
up by 10 percent (u = 1.1) or down by 10 percent (d = 0.9). The risk-free rate is 4 percent per annum
with continuous compounding.
(a) What is the price of the option?
(b) Calculate the delta of the call option today and in three months
(c) Explain how you would hedge a short position in this call option using the underlying stock.
Show all the details of the hedging strategy at every period
The price of the European call option is approximately $3.8868, and the delta of the option today is 0.0791, indicating the proportion of shares needed for hedging the short position in the option.
(a) The price of the option, we can use the binomial option pricing model. Since the option has a European style, the price at each node is calculated as the present value of the risk-neutral probability-weighted average of the option values at the next nodes.
Let's denote the up movement factor as u = 1.1, the down movement factor as d = 0.9, the risk-free rate as r = 0.04, the time step as Δt = 0.25, and the strike price as X = $95.
At the final node (T = 0.5 years), the option value is:
C_uu = max(S_T - X, 0) = max(110 - 95, 0) = $15
C_ud = max(S_T - X, 0) = max(90 - 95, 0) = $0
C_dd = max(S_T - X, 0) = max(90 - 95, 0) = $0
Next, we calculate the option values at the previous nodes using the risk-neutral probabilities:
p = (1 + r - d) / (u - d) = (1 + 0.04 - 0.9) / (1.1 - 0.9) = 0.54
q = 1 - p = 1 - 0.54 = 0.46
At the second node (T = 0.25 years):
C_u = e^(-rΔt) * (p * C_uu + q * C_ud) = e^(-0.04 * 0.25) * (0.54 * 15 + 0.46 * 0) ≈ $7.9105
C_d = e^(-rΔt) * (p * C_ud + q * C_dd) = e^(-0.04 * 0.25) * (0.54 * 0 + 0.46 * 0) = $0
Finally, at the initial node (today):
C = e^(-rΔt) * (p * C_u + q * C_d) = e^(-0.04 * 0.25) * (0.54 * 7.9105 + 0.46 * 0) ≈ $3.8868
Therefore, the price of the European call option is approximately $3.8868.
(b) The delta of the call option represents the sensitivity of the option price to changes in the underlying stock price. It can be calculated as the change in option price divided by the change in the stock price.
Delta today:
Δ_u = (C_u - C_d) / (S_u - S_d) = ($7.9105 - $0) / (110 - 90) = 0.0791
Delta in three months:
Δ_uu = (C_uu - C_ud) / (S_uu - S_ud) = ($15 - $0) / (121 - 99) = 0.1071
Delta at each node represents the proportion of shares that should be held in the hedging portfolio to replicate the option payoff.
(c) To hedge a short position in this call option using the underlying stock, the delta can be used to determine the number of shares needed in the hedging portfolio.
At each period, the delta gives the proportion of shares to be held. Since the delta changes with the stock price, the hedging strategy needs to be adjusted periodically.
For every short call option contract, 0.0791 shares of the underlying stock should be held in the hedging portfolio to replicate the option's payoff.
The hedge, the portfolio needs to be rebalanced periodically. If the delta changes, the proportion of shares in the portfolio should be adjusted accordingly. In this case, the delta can be recalculated at each time period based on the current stock price, strike price, risk-free rate, and time step. The portfolio should be rebalanced by buying or selling the appropriate number of shares to match the new delta.
For example, if the delta in three months (Δ_uu) is calculated to be 0.1071, it means that for every short call option contract, 0.1071 shares of the underlying stock should be held in the hedging portfolio at that time. The portfolio would need to be adjusted by buying or selling shares to match the new delta of 0.1071.
The hedging strategy involves adjusting the portfolio at each time period according to the updated delta to ensure that the option's price movements are offset by changes in the stock position. This helps mitigate the risk of the short call option position.
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The GUI is an index used by the OS to manage computer files,
O False
O True
Answer: I think it's true
The demographic information will tell you where to find the customers.
T
True
or
F
False
PLEASE ANSWER THESE IT WOULD BE A HUGE HELP
1. Investing in bonds is risk free. Investing in stocks is much riskier. Why do you think fictional advisors suggest that it’s a good idea to own both stocks and bonds?
2. Each time you sell a stock to make a profit, you must pay tax on the money you make (the
difference between the buying and selling price). This is called capital gains tax. Do you think
capital gains tax is a good idea? Why or why not?
Answer:
Explanation:
1.
Advisors say to invest in both so that if you lose all your money on the stock market, you will still have a good amount of money invested in bonds, still safe. However, if you’re lucky and the stocks you invested in go up in value, you can earn a large amount of money in addition to the bonds you’ve invested in.
Oh I have this same one, right now i only know 1 TOT
Answer:
1. Advisors say to invest in both so that if you lose all your money on the stock market, you will still have a good amount of money invested in bonds, still safe. However, if you’re lucky and the stocks you invested in go up in value, you can earn a large amount of money in addition to the bonds you’ve invested in.
2. This one is opinionated and depends on your beliefs.
Explanation:
Select all that apply.
Which of the following skills are important for job interviews?
thinking
writing
listening
speaking
Answer : Select all got 100% on edge
Answer:
the answer is all of the above.
Explanation:
because you need all of these traits in order to do job interviews.
Success in job interviews depends on a combination of skills, including thinking, writing, listening, and speaking. Each of these skills contributes to your ability to effectively respond to interview questions, demonstrate your competency, and highlight your suitability for the role.
Explanation:All of the skills listed - thinking, writing, listening, and speaking - are indeed important skills for job interviews. Thinking skills are important in order to logically and effectively answer the questions your interviewer is asking. Writing skills can be crucial in interviews, particularly if you're asked to complete a task or test.
Listening skills are critical because they indicate how well you pay attention to instructions and tasks. And finally, speaking skills are necessary to effectively communicate your thoughts, experiences, and ideas.
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How can a strong credit score help you to negotiate a better price on big purchases items, le cars?
a) People with strong credit scores present less risk to the lender
b) Astrong credit score guarantees the lender you will not make late payments
c) People with strong credit usually have friends with good credit that they can refer to the same business
c) All the above
Why should you make a personal investment plan?
A. To keep your money as safe as possible
B. To avoid financial risk
C. To meet your personal financial goals
D. To make the most money possible
Answer:
to meet your personal financial goals
Explanation:
what best describes the role of government in a free enterprise system?
Answer:
Allow individuals to operate their businesses in ways they think will maximize their profits.
Explanation:
Cash received prior to delivering a product or performing a service is called a(n) a.unearned asset. b.unearned revenue. c.unearned expense. d.unearned contra-asset.
The correct answer is b. unearned revenue.
Unearned revenue, also known as deferred revenue or advance payments, refers to the cash a company receives from its customers for goods or services that it has not yet delivered or performed. Unearned revenue is considered a liability on the company's balance sheet until the work is completed or the product is delivered, at which point it becomes revenue that can be recognized on the income statement.
Unearned revenue is commonly found in industries such as software and subscription-based services, where customers pay upfront for future access to products or services. It's essential for companies to properly account for unearned revenue to avoid overstating their revenue and profits in a given period.
When a company receives unearned revenue, it records it as a liability on its balance sheet and recognizes it as revenue on the income statement when the associated goods or services are provided. The amount of unearned revenue decreases over time as the company fulfills its obligations to its customers.
In summary, unearned revenue represents cash received by a company before it delivers a product or service to its customers, making it a liability on the company's balance sheet until the related revenue is recognized on the income statement.
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If the local government imposed a minimum wage of $4 in productionville, how many people would be unemployed
If the local government imposed a minimum wage of $4 in production Ville, then employment will decrease by 0.
Who among the following would be counted as unemployed?
If a person does not have a job, has actively sought employment during the previous four weeks, and is currently eligible for employment, they are considered to be unemployed.
How do we figure out the unemployment rate?
To find the proportion of unemployed people, divide the number of unemployed people by the total workforce, and multiply the result by 100.
What is considered the natural rate of unemployment?
Many people believe that a rate of unemployment between 4% and 5% indicates full employment and is not very alarming. The lowest rate of unemployment that exists while inflation is steady or when it is not increasing is known as the natural rate of unemployment.
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Which of the following statements is incorrect about GAO standards pertaining to performance audits?
(a) The GAO mandates that programs be audited annually by accounting trained professionals
(b) Performance audits are normally carried out by internal audit departments
(c) Performance audits focus on specific programs
(d) The GAO does not specify when and how often a program, must be audited.
(a) The GAO mandates that programs be audited annually by accounting trained professionals.
This statement is in. GAO (Government Accountability Office) does not mandate that programs be audited annually by accounting trained professionals. While the GAO provides standards and guidelines for performance audits, it does not prescribe specific requirements regarding the frequency of audits or the qualifications of the audit professionals conducting them.
Regarding the other s:
(b) Performance audits are normally carried out by internal audit departments.
This statement is generally true. Performance audits can be conducted by internal audit departments within organizations, but they can also be carried out by external audit firms or government audit agencies like the GAO.
(c) Performance audits focus on specific programs.
This statement is generally true. Performance audits typically focus on evaluating the efficiency, effectiveness, and economy of specific programs, activities, or functions within an organization.
(d) The GAO does not specify when and how often a program must be audited.
This statement is generally true. The GAO does not specify specific timelines or frequencies for program audits. The decision of when and how often to audit a program is typically determined by the organization or the audit entity based on factors such as risk, significance, and resource availability.
In summary, (a) is the in statement as the GAO does not mandate annual audits by accounting trained professionals.
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