1) The board member is correct in stating that issuing equity can increase the number of shares outstanding and create dilution.
2) The CFO's argument for issuing equity to reduce debt and increase company value is based on the assumption that lower leverage will lead to a higher valuation. While it is true that reducing debt can improve the company's leverage ratio and potentially enhance its creditworthiness, the decision to issue equity should consider the impact on existing shareholders.
When a company issues new shares, it increases the total number of shares outstanding, which can dilute the ownership stake of existing shareholders. This dilution occurs because the ownership percentage of each existing shareholder is reduced when new shares are issued. As a result, the earnings and voting rights of existing shareholders are spread over a larger number of shares, potentially reducing their individual influence and value.
Therefore, the board member's concern about dilution is valid. It is essential to carefully evaluate the potential dilutive effects of issuing equity and weigh them against the benefits of reducing debt and improving leverage. The CFO and the board need to consider the impact on existing shareholders and assess whether the potential increase in company value from lower leverage outweighs the dilution effects.
Ultimately, the decision should be based on a comprehensive analysis of the company's financial situation, future funding needs, market conditions, and the preferences of existing shareholders. It may be necessary to strike a balance between reducing debt and minimizing dilution to ensure the long-term interests of both the company and its shareholders are taken into account.
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The process of handling a high-impact event characterized by ambiguity and the need for swift action is the textbook's defined term of:
a. strategic management.
b. stakeholder management.
c. crisis management.
d. reputation management.
c. Crisis management is the process of handling a high-impact event characterized by ambiguity and the need for swift action.
Crisis management is a critical component of organizational management that involves identifying potential crises, developing plans to address them, and implementing those plans when a crisis occurs. The goal of crisis management is to minimize the negative impact of the crisis on the organization, its stakeholders, and its reputation. Effective crisis management requires swift action, clear communication, and the ability to make decisions in the face of uncertainty.
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How do you think will be the effects of this project on the long-term profits of petron corporation
Petron's long-term profits will increase from this project. Profitability can be increased by focusing on four key areas. These include cost reductions, increased turnover, increased productivity, and increased efficiency. With the upgrade, Petron will increase production significantly.
The definition of long-term debt or long-term liabilities is an individual or group obligation to pay and pay off debts for a period long enough to reach one accounting period, or even more. Simply put, it is a future obligation or expense for debt that is deferred within one year until a time determined by the company.
Payment of the debt is made using funds from non-current assets. Where, these non-current assets are assets or assets of a company with a value based on the length of time that is permanent.
The company's assets are included in non-current assets in the form of factories, buildings, production equipment and supplies, long-term investments, and intangible assets.
The purpose of this type of debt is to help the company's capital strength. In addition, this debt also provides additional company assets in the form of equipment, property, and investment. This means that long-term loans can reflect the equity ratio used in measuring the ability of each company to meet obligations.
In the process, long-term loans can be implemented with collateral covering immovable property in the form of land, buildings, factories, warehouses, to houses. This guarantee is given in the form of a certificate of ownership of the immovable property.
Even though the certificate is submitted and retained by the lender, the company can still use the place to carry out business activities. The period of time required by companies when applying for long-term loans is usually around 5 to 20 years.
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This initiative will improve Petron's long-term earnings. Profitability may be boosted by concentrating efforts on four main areas. Cost savings, greater turnover, productivity, and efficiency are examples of these. Petron's output will skyrocket as a result of the overhaul.
What are long term financial obligation?It is to be noted that Long-term debt or long-term liabilities are defined as an individual or group duty to pay and pay off debts for a time long enough to span one accounting period, if not more.
Simply described, it is a financial obligation or expenditure which is delayed for one year until a period designated by the firm.
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Full Question:
On October 13, 2014, the following information from an article titled,
"Petron completes $2-B refinery upgrade: Firm doubling production capacity" was posted on Business.inquirer.net (Date Accessed: March 11, 2015):
Dubbed as Refinery Expansion Project (RMP-2), this project started in 2011. "With the upgrade, Petron said it would significantly increase production. Its gasoline production alone is projected to double from the current 18,0000 barrels per day to 36,000 barrels per day."
In the same article, Mr. Ramon Ang, the president of Petron also made the following statements:
"For Petron, this means increasing our revenues while improving profitability," Ang said. "With increased production, Petron will enhance the country's supply security and further lessen its dependence on higher-costing imported fuel products. We will also be the only oil company capable of locally-producing more efficient and environment-friendly fuels that meet or exceed global standards."
Question: What do you think will be the effects of this project on the long-term profits of Petron Corporation?
Identify the three key roles of the scrum process.
multiple select question.
a. Product owner b. Development team c. Product champion
d. Technical lead e. Scrum master
The three key roles of the scrum process includes a. Product owner, b. Development team, e. Scrum master.
What do Scrum processes entail?Scrum is an agile software development methodology that relies on incremental and iterative processes. Scrum is an agile framework that is quick, flexible, adaptable, and effective and is made to provide value to the client throughout the course of the project.
Scrum is a particular kind of agile framework. It is a framework within which people can address complex adaptive problems while maintaining the highest levels of productivity and creativity in the product they deliver. Iterative process is used in Scrum.
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Requiring managers to prepare the budgets from scratch or zero-base may help them to overcome the problem of:
Answer: Excessive cost
Explanation:
Zero-based budgeting is the sort of budgeting where when income is subtracted from expenses it gives zero. This sort of budgeting puts a measure of the expenses, it ensures the expenses matches the income. The purpose of the budget plan is to justify expenses and optimize cost, thereby look out for cost effective ways to plan and avoid inflated budgets. It primarily guides against excessive costs on projects.
Tips to study commerce
Answer:
just study commerce and ur good
You own a mobile Taco Truck. You have a short list of competitors. Which TWO would be considered your Indirect Competition?
Select 2 correct answer(s)
A.) Mobile Fish and Chips Truck
B.) A local Taco Bell franchise
C.) Walk-up Mexican Food stand
D.) A local Burger King franchise
The two options that could be considered indirect competition for a mobile Taco Truck are (A) Mobile Fish and Chips Truck (C) Walk-up Mexican Food stand
Indirect competition refers to businesses that offer different products or services but still target the same customer base or satisfy similar customer needs. In this case, the Taco Truck, Fish and Chips Truck, and Walk-up Mexican Food stand all fall under the category of mobile food vendors and offer food options to customers.
The Mobile Fish and Chips Truck is an example of indirect competition because it provides a different type of cuisine compared to the Taco Truck. While the Taco Truck focuses on Mexican food, the Fish and Chips Truck specializes in seafood. However, both food trucks target customers who are seeking quick and convenient meals on the go, making them indirect competitors.
Similarly, the Walk-up Mexican Food stand is considered indirect competition because it also offers Mexican food but operates in a different format. Unlike the mobile food trucks, the stand is stationary and doesn't have the mobility aspect. However, it caters to customers looking for Mexican cuisine and offers a similar dining experience to the Taco Truck.
On the other hand, option B (local Taco Bell franchise) and option D (local Burger King franchise) would be considered direct competitors as they both operate in the fast food industry and offer similar types of food as the Taco Truck. These franchises have established brick-and-mortar locations and compete directly with the Taco Truck for customers seeking fast food options.
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Great Lakes Packing has two bond issues outstanding. The first issue has a coupon rate of 3.54 percent, a par value of $1,000 per bond, matures in 4 years, has a total face value of $3.8 million, and is quoted at 103 percent of face value. The second issue has a coupon rate of 6.10 percent, a par value of $2,000 per bond, matures in 23 years, has a total face value of $8.1 million, and is quoted at 95 percent of face value. Both bonds pay interest semiannually. The company's tax rate is 39 percent. What is the firm's weighted average aftertax cost of debt
Answer:
3.20%
Explanation:
The firm's weighted average aftertax cost of debt can be determined by first of all determining the before-tax cost of each debt.
Using a financial calculator, the before-tax costs of debt are ascertained as follows:
Bond 1:
N=8(number of semiannual coupons in 4 years)
PMT=17.70 (semiannual coupon=face value*coupon rate/2=$1,000*3.54%/2=$17.70)
PV=-1030(current price=$1000*103%=$1030)
FV=1000(the face value is $1000)
CPT
I/Y=1.37%(the semannual yield, annual yield=1.37%*2=2.74%)
after-tax cost of first debt=2.74%*(1-39%)=1.67%
Bond 2:
N=46(number of semiannual coupons in 23 years)
PMT=30.50 (semiannual coupon=face value*coupon rate/2=$1,000*6.10%/2=$30.50)
PV=-950(current price=$1000*95%=$950)
FV=1000(the face value is $1000)
CPT
I/Y=3.26%%(the semannual yield, annual yield=3.26%%*2=6.52%)
after-tax cost of second debt=6.52%*(1-39%)=3.98%
market value of first debt=$3.8 million*103%=$3,914,000
market value of second debt=$8.1 million*95%=$7,695,000
total market value of debts=$3,914,000+$7,695,000=$11,609,000
firm's weighted average aftertax cost of debt=(1.67%*$3,914,000/$11,609,000)+(3.98%*$7,695,000/$11,609,000)
firm's weighted average aftertax cost of debt=3.20%
Jocelyn gets a text alert from the bank that her account has dropped below $100 after a series of $20 ATM withdrawals. She has not used her ATM in over a week and wonders what she should do. What would you recommend?
Answer:
Look at her account to confirm the ATM withdrawals were her. If she did not make the withdrawals, she should immediately contact her bank by the most trusted way possible. Calling or going to the local branch during business hours may be best.
Explanation:
If the transactions were not made by Jocelyn and she does not have any other owners on the account it is possible that she is the victim or hackers or bank fraud. Contacting her bank notifies them that the transactions are not authorized and she will not be held accountable after the bank conducts an investigation into the transactions. The bank will then redeposit the lost funds back into her account.
The exchange gain or loss on repatriated funds from a foreign branch is calculated by multiplying the nominal amount of the funds by: Group of answer choices the difference between the exchange rate at the beginning of the year and the exchange rate at the end of the year. the difference between the exchange rate on the date of repatriation and the exchange rate used to translate the branch's pretax income. the difference between the current exchange rate and the exchange rate at the end of the year. the difference between the exchange rate on the date of repatriation and the exchange rate at the beginning of the year.
Answer: the difference between the exchange rate on the date of repatriation and the exchange rate used to translate the branch's pretax income.
Explanation:
Repatriation simply means converting of foreign currencies into local ones. Earning of income in foreign currencies, by a comoany are typically subject to risk regarding foreign exchange which could bring about a loss.
It should be noted that the exchange gain or loss on repatriated funds from a foreign branch is calculated when the nominal amount of the funds is multiplied by the difference between the exchange rate on the date of repatriation and the exchange rate used to translate the branch's pretax income.
What can be said about the culture of services?
I. Processes are invisible
II. Processes are well defined
III. More scientific
IV. Not well defined or documented
A. I, II, and III only
B. I, II, and IV only
C. II, III, and IV only
D. All of the above
In the service culture, processes are invisible and procedures are not well defined or documented. This culture is focused on customer service, to provide the best experience.
Therefore, processes are invisible, that is, the customer is not able to identify internal processes if they are not useful, but they must perceive the service as a mystery where all their needs are promptly met.
In the service culture, this is also not well defined or documented, so as not to create standardization of the service, but a personalized service that meets the needs of each customer individually.
Therefore, in the service culture, the focus is on offering the best experience for the customer, through the creation of value, excellent service and employees capable of satisfying their needs.
The service culture is capable of generating greater competitiveness, customer loyalty and positioning for a company.
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Is a business plan a one time fee?
Answer:
i think so :)
Explanation:
PLS help, 25 pts and brainliest will be given !
How can reflecting on morals and ethics; help you identify your areas of strengths and weaknesses?
Explanation:
Identifying your strengths and weaknesses can be extremely valuable. Not only will it allow you to approach tasks and challenges with a better understanding of how to succeed and what pitfalls to look out for, but it also allows you to effectively communicate what you can contribute, which is essential for things like job interviews.
which transaction type(s) is/are part of the operating cycle of a merchandising company? (select all that apply). multiple select question. payments for advertising services purchases of merchandise payments for salaries payments for rent sales of merchandise, often on account collections of accounts receivable
The operating cycle of a merchandising company consists of the following transactions:
Purchases of merchandisePayments for advertising servicesPayments for salariesPayments for rentSales of merchandise, often on accountCollections of accounts receivableThe operating cycle of a merchandising company refers to the process of purchasing, selling, and collecting payments related to the sale of merchandise. The cycle typically starts with the purchase of inventory and ends with the collection of cash from customers who have purchased the merchandise.
Here are the transaction types that are part of the operating cycle of a merchandising company:
Purchases of merchandise: This refers to the acquisition of inventory or goods that the company intends to sell to customers. Purchases of merchandise are typically made from wholesalers or manufacturers.
Sales of merchandise, often on account: This refers to the selling of merchandise to customers, often on credit or on account. In this case, the customer agrees to pay for the merchandise at a later date.
Collections of accounts receivable: This refers to the process of collecting payments from customers who have purchased merchandise on credit. The company sends invoices to customers, and when payments are made, they are recorded as collections of accounts receivable.
Payments for advertising services: This refers to the cost of promoting the company's merchandise through various advertising channels, such as print, online, or broadcast media.
Payments for salaries: This refers to the compensation paid to employees who work for the company. Salaries include wages, bonuses, and other forms of compensation.
Payments for rent: This refers to the cost of renting or leasing the physical space where the company operates. Rent is typically paid on a monthly or annual basis.
Overall, the operating cycle of a merchandising company involves a series of transactions related to the purchase, sale, and collection of payments for merchandise. By managing these transactions effectively, the company can ensure a steady stream of revenue and maintain profitability.
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1: "How did Great Buy handle the return?" asks Sam.
"They promptly sent us two replacement monitors on October 10, as soon
as we returned the damaged ones," Monique replies. "And on October 28,
they sent us an invoice for the entire order. We paid them with a check that
same day."
Monique shows Sam the invoice from Great Buy, which reflects the two
replacement monitors that Berthold's received after returning the damaged
ones and asks him to process it for payment.
DESCRIPTION
Computer monitors (original order, $350 x 8)
Computer monitors (replacements, $350 x 2)
TOTAL:
AMOUNT
8 of 12
$2,800
$700
$3,500
What information would be recorded in the Accounts Payable ledger, which
had a previous balance of $2,800?
The resulting balance in the Accounts Payable ledger after these transactions would be a credit balance of $300 (i.e., $2,800 credit balance - $700 debit + $3,500 credit).
Why it is?
Based on the information provided, the following transactions would be recorded in the Accounts Payable ledger:
A credit entry for the original order of 8 computer monitors for $2,800, which was the previous balance in the ledger.
A debit entry for the two replacement monitors received on October 10, for a total of $700.
A credit entry for the payment made by Berthold's with a check on October 28, for the total amount due of $3,500.
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our self-talk consists of words pictures and emotions. as we imprint our affirmations we
Self-talk is your inner voice or the way you speak to yourself. Although you almost probably are doing it without realizing it, you almost certainly are. In order to produce an internal monologue throughout the day, this inner voice mixes conscious thoughts with ingrained beliefs and biases.
What are the four categories of self-talk?Your inner discourse is known as self-talk.
Personalizing. You own all of the guilt for yourself.
Magnifying.
Catastrophizing.
Polarizing.
What are the five tiers of one's own self-talk?Helm Stetter outlines the "Five Levels of Self-Talk" (Negative Acceptance, Recognition and Need to Change, Decision to Change, The Better You, and Universal Affirmation) and offers advice on how to navigate each level for significant life changes.
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Which of the following scenarios best demonstrates an employee being responsible? A. Sophia greets each customer with a smile. B. Juan listens to coworkers and lets them finish talking before he speaks C. Fredrick volunteers to help on a project beyond his normal duties. D. Gabriel stays late after work to finish a task that is due.
Answer:
D. Gabriel stays late after work to finish a task that is due.
Explanation:
The scenario that best demonstrates an employee being responsible is: “Gabriel stays late after work to finish a task that is due.” Hence, option D is correct.
What is the meaning of scenario?Scenarios are purposefully casual, open-ended, and fragmentary narrative representations of important usage circumstances taking place throughout time.
A usage scenario is a description of how a person would employ a current system or product. A design scenario is a description of how a system or product that is currently under development will be used.
In literature, a scenario can refer to a summary of what is happening and the current circumstances. While a scenario and a situation are very similar, the former hasn't occurred and the latter may never do so. scenario definitions a suggested timeline of potential outcomes.
Therefore, option D is correct.
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Type the correct answer in the box. Spell all words correctly.
Complete the sentence with the correct word.
Mia likes to write books during her
free time. At present, three of her books have been
published and sold around the world.
The income received
from selling her
books is an example c
income.
Reset
Next
The income received from selling her books is an example of passive income.
Income is split up into three categories by the IRS in the US: active income, passive income, and portfolio income.
What is passive income?A sort of unearned income known as passive income is one that is automatically acquired and requires little to no work to retain. It frequently goes hand in hand with another revenue stream, like a second job. A taxable acquired income, passive income is derived from capital gains or has a connection to the tax deduction system.Examples of passive income include producing books, recording music, selling digital goods, and generating other items that generate money. Investing. capital gains through asset investments.Investing in dividend stocks is one of the simplest passive income strategies available. When you buy a dividend stock, you support a company's operations while also getting regular returns on your investment. Progressive passive income is described as such when the earner puts minimal effort into increasing the revenue.Learn more about passive income here:
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Which action would be most likely to affect whether scroll bars appear in a Word document?
A) saving the document
2
B) renaming the document
C)moving the document to a new location
-D)zooming in or out on the document
Answer:
-D
Explanation:
I'm pretty sure it's zooming in or out on the document
find a company that is struggling. where is it in the positioning matrix? could the company be more successful if it changed any of its ps (e.g., to head to the lo-lo-lo-lo or hi-hi-hi-hi cells)?
Company X is struggling and positioned in the low-low-low-low (LLLL) cell of the positioning matrix. It could potentially be more successful by changing its Ps to move towards the high-high-high-high (HHHH) cell.
Focusing on differentiation, premium pricing, targeted marketing, and innovation to create a unique competitive advantage.The positioning matrix is a strategic tool that categorizes companies based on two dimensions: price and perceived quality. The low-low-low-low (LLLL) cell represents companies offering low-quality products at low prices. A struggling company positioned here may face intense competition, price wars, and low profit margins. To improve its success, the company could consider changing its positioning to the high-high-high-high (HHHH) cell, which signifies high-quality products at premium prices. By focusing on differentiation, emphasizing product features, implementing targeted marketing strategies, and fostering innovation, the company can create a unique competitive advantage and command higher prices, leading to improved profitability and market positioning.
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Lionel works for a company that is trying to reduce travel time for their employees and allow more people to work from home. What kind of cloud service can Lionel use to attend meetings with his remote coworkers?
A. Desktop as a Service.
B. Video conferencing application.
C. Cloud storage.
D. Cloud-hosted training modules.
The kind of cloud service that would help Lionel attend meetings with remote coworkers is a B. Video conferencing application.
What is a Video conferencing application?It is an application that allows for different people in various locations to have a video call with each other at the same time.
Lionel can use this app to talk to remote coworkers in various locations provided that they have an internet connection.
In conclusion, option B is correct.
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With reference to the IMDG code, explain your understanding of the terms ‘UN Number’, ‘trade name’ and ‘subsidiary risk’ in relation to dangerous goods.
In the context of the International Maritime Dangerous Goods (IMDG) Code, the terms "UN Number," "trade name," and "subsidiary risk" are relevant to the classification and identification of dangerous goods.
1. UN Number: UN Number stands for United Nations Number. It is a unique four-digit numeric identifier assigned to specific dangerous substances or articles. The UN Number provides a standardized identification system for hazardous materials during transportation, ensuring proper handling, storage, and emergency response. Each UN Number corresponds to a specific substance or article, and it helps in identifying the nature and hazards associated with the material.
2. Trade Name: Trade name refers to the commercial or brand name of a product. In the context of dangerous goods, the trade name is the name given to a particular hazardous substance or article by the manufacturer or supplier. It may differ from the chemical or technical name of the substance but serves as a recognizable name in commerce.
3. Subsidiary Risk: Subsidiary risk refers to additional hazards associated with a dangerous good apart from its main hazard. Some dangerous goods may possess multiple hazards, and subsidiary risks help in identifying and communicating these additional hazards. The IMDG Code provides specific classification criteria for subsidiary risks, which are indicated by assigned codes and labels on the packaging and documentation.
In the context of the International Maritime Dangerous Goods (IMDG) Code, the terms "UN Number," "trade name," and "subsidiary risk" are relevant to the classification and identification of dangerous goods.
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The following is a listing of some of the balance sheet accounts and all of the income statement accounts for Northview Company as they appear on the company’s adjusted trial balance.Accounts Payable $ 18,000 Accounts Receivable 30,000 Inventory 23,800 Advertising Expense 21,500 Cost of Goods Sold 165,000 Delivery Expense 7,900 Income Tax Expense 3,700 Insurance Expense 1,000 Rent Expense 19,600 Sales Revenue 350,000 Sales Discounts 9,100 Sales Returns & Allowances 47,500
The Gross profit for Northview Company is $128,400.
The gross profit can be calculated by subtracting the cost of goods sold from the net sales revenue.
Net sales revenue is the total sales revenue minus any sales discounts, sales returns, and sales allowances.
So, we have
Net Sales Revenue = Sales Revenue - Sales Discounts - Sales Returns & Allowances
Net Sales Revenue = $350,000 - $9,100 - $47,500
Net Sales Revenue = $293,400
Cost of Goods Sold = $165,000
Therefore, the Gross Profit can be calculated as
Gross Profit = Net Sales Revenue - Cost of Goods Sold
Gross Profit = $293,400 - $165,000
Gross Profit = $128,400
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The given question is incomplete, the complete question is:
The following is a listing of some of the balance sheet accounts and all of the income statement accounts for Northview Company as they appear on the company’s adjusted trial balance. Accounts Payable $ 18,000 Accounts Receivable 30,000 Inventory 23,800 Advertising Expense 21,500 Cost of Goods Sold 165,000 Delivery Expense 7,900 Income Tax Expense 3,700 Insurance Expense 1,000 Rent Expense 19,600 Sales Revenue 350,000 Sales Discounts 9,100 Sales Returns & Allowances 47,500. what is gross profit ?
Which one of these is not a factor when determining ad rates.
"Incomplete".
Although part of your question is missing, you might be referring to this..
A factor when determining ad rates,
Generally, it is calculated based on the circulation and readership of the publication, which it has earned over time. In other words, the more popular a newspaper, the higher the Ad rates.
Size- One of the biggest and most obvious factors in cost will be the size of your ad., Frequency, Quality Content and Design, Regional Rates, Color, A Clearly Defined Target Audience, etc.
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It's time to think like a manager. Corporate social responsibility is wonderful, though often criticized as purely rhetorical and laden with subtle profit goals. How can a manger emphasize genuineness of corporate social responsibilities and activities in society?
The correct answer to this open question is the following.
It's time to think like a manager. And more importantly, it is time to act like a manager and became a true leader.
Corporate social responsibility is wonderful, though often criticized as purely rhetorical and laden with subtle profit goals. That is why is so important that a manager could emphasize genuinely that corporate social responsibilities are a priority for the organization.
One good way to prove that and stop critics is to establish a series of programs and actions that benefit the environment and the community and that could be evaluated by the members of the society.
This includes mass media. Yes, the company has to open its doors and be willing and able to show the results of these programs. If the company has nothing to hide, it will have no problem to show its work and be proud of the monetary results as well as the social responsibility results that benefit the community.
Market offering includes everything from pure tangible goods to pure services, as well as
combinations of goods and services. Which of the following is NOT a product or service?
A) breakfast cereal
B) rental car
C) free concert
D) shoes
E) haircut
C) Free concert. A free concert is not a product or service in the traditional sense. While it may involve the provision of a service (live music performance),
it does not typically involve a transaction where a tangible good or service is exchanged for value.
In the market offerings, a product refers to a tangible item that is manufactured, produced, or provided to satisfy a customer's needs or wants. Examples include breakfast cereal, shoes, and a rental car.
A service, on the other hand, refers to an intangible offering that is performed or provided to fulfill a customer's needs or wants. Examples include a haircut, which involves the provision of a service by a hairdresser.
While a free concert involves the provision of a service (music performance), it is not typically considered a product or service in the same way as the other s listed. It is an event where music is provided for free without an explicit transaction or exchange of value.
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Time Remaining 1 hour 14 minutes 44 seconds01:14:44 Item 1 Time Remaining 1 hour 14 minutes 44 seconds01:14:44 Loan A has the same original principal, interest rate, and payment amount as Loan B. However, Loan A is structured as an annuity due, while Loan B is structured as an ordinary annuity. The maturity date of Loan A will be:
The maturity date of Loan A, which is structured as an annuity due, will be one month earlier than the maturity date of Loan B, which is structured as an ordinary annuity.
The maturity date of a loan refers to the date when the loan is fully paid off. In this scenario, Loan A and Loan B have the same original principal, interest rate, and payment amount. However, Loan A is structured as an annuity due, while Loan B is structured as an ordinary annuity.
An ordinary annuity means that the payments are made at the end of each period, while an annuity due means that the payments are made at the beginning of each period.
Let's assume that the payment periods for both loans are monthly. In this case, for Loan A, the first payment will be made at the beginning of the first month. Therefore, the maturity date for Loan A will be at the end of the last payment period, which is one month less than the maturity date for Loan B.
To find the maturity date for Loan A, we need to subtract one month from the maturity date of Loan B. For example, if the maturity date of Loan B is December 31, 2023, then the maturity date of Loan A will be November 30, 2023.
In summary, the maturity date of Loan A, which is structured as an annuity due, will be one month earlier than the maturity date of Loan B, which is structured as an ordinary annuity.
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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:
i took the test
Under PPO, which of the following in-network specialists would a referral be required?
A. None of these
B. Neurologist
C. Dermatologist
D. Cardiologis
Answer:
A) none of these
Explanation:
Hope this helps you have a nice :)
How much is the peso mark-up if the selling price is P15 and the purchase cost is P10.00?
Answer:
Simply take the sales price minus the unit cost, and divide that number by the unit cost. Then, multiply by 100 to determine the markup percentage. For example, if your product costs $50 to make and the selling price is $75, then the markup percentage would be 50%: ( $75 – $50) / $50 = . 50 x 100 = 50%.
Explanation:
Which two security regulations does the pci enforce with regard to electronic banking?
Choices
A. Banks must maintain a secure network
B. Banks must allow customers to chose the level of security they want
C. Banks must compensate customers for money lost due to stolen cards
D. Banks must have information security policy
Answer:
A. Banks must maintain a secure network D. Banks must have information security policyExplanation:
The Payment Card Industry Data Security Standards (PCI DSS) are there to make sure that companies dealing with payment cards for customers protect these customers by having a secure payment environment to prevent customer money being at risk.
First and foremost the companies should have a secure network for processing card payments and data which means no expense should be spared in maintaining this. Companies must also have an information security policy that employees must follow when dealing with customer information.