The loan's future value, or the total amount due at the end of 4 months, is approximately $2360.
to find the loan's future value, we can use the formula for simple interest:
a = p * (1 + rt)
where:
a = future value or total amount due
p = principal amount
r = interest rate
t = time period
given:
p = $2000
r = 4.5% (expressed as a decimal, so r = 0.045)
t = 4 months
substituting the given values into the formula:
a = $2000 * (1 + 0.045 * 4)
a = $2000 * (1 + 0.18)
a = $2000 * 1.18
a ≈ $2360
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The balance on a credit card, that charges a 20%
APR interest rate, over a 1 month period is given in
the following table:
Days 1-5: $200 (initial balance)
Days 6-20: $350 ($150 purchase)
Days 21-30: $150 ($200 payment)
What is the finance charge, on the average daily
balance, for this card over this 1 month period?
finance charge = $ [?]
Round to the nearest hundredth.
Enter
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.
What is the APR interest rate?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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can woolworths raise extra capital for expansion
Woolworths can raise extra capital for the expansion a shop in each kingdom in Australia. With the organisation and its stores strolling correctly. Woolworths commenced to experiment with expanding their grocery range more shops began stocking clean culmination and vegetables and a bigger variety of meals.
Woolworths has created an aggressive facet thru its tremendous logistics systems and particularly organized providers' contracts, which ensure that goods are introduced at the proper time. further, the employer uses era to manipulate its delivery chain and stock.
Woolworths has created an aggressive part thru its outstanding logistics systems and relatively organized providers' contracts, which ensure that items are brought at the right time. in addition, the employer makes use of technology to control its supply chain and stock.
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What is the value of the marginal product of labor equal to?
The extra output that would result from hiring one more unit of labor is what is referred to as the marginal product of labor.
What does marginal product refer to?The extra output produced by adding one unit of an input—in this case, labor—to the already existing combination of productive elements is known as the marginal product of that input.
In economics, particularly neoclassical economics, the marginal product or marginal physical productivity of an input is the change in output that results from using one more unit of a certain input, presuming that the quantities of other inputs are maintained constant.
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QUESTION 4 5.5 points A. Specify what type/types of "Whistle-blowing" is/are explained in the case study regarding the reaction of Alice the first-line manager in the Training and Development departme
The case study regarding Alice, the first-line manager in the Training and Development department, explains the type of whistle-blowing known as internal whistle-blowing.
Internal whistle-blowing refers to the act of reporting misconduct or unethical behavior within the organization to higher authorities or designated channels. In the case study, Alice becomes aware of fraudulent activities within her department and decides to report them to her supervisor and the HR department, following the established internal procedures for addressing such issues.
Internal whistle-blowing is an important mechanism for promoting transparency and accountability within organizations. It allows employees like Alice to raise concerns about wrongdoing, illegal activities, or unethical behavior without fear of retaliation. By reporting internally, Alice demonstrates her commitment to upholding the organization's values and maintaining ethical standards.
This type of whistle-blowing helps organizations identify and address issues internally, potentially preventing further harm or damage. It also reflects the importance of having effective reporting systems and a supportive organizational culture that encourages employees to speak up about misconduct.
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Which standards organization functions as a clearinghouse for many types of standards development in the U.S.
Answer: ANSI
Explanation:
Sydnee would like a chart to appear once in her report, but she is having trouble making this occur. She does not understand why the chart is showing multiple times in the report. What is most likely causing the problem?
The chart is placed in the header and footer of a database.
The chart is placed in the field of a database.
The chart is placed in a database with one group.
The chart is placed in a database with five groups.
Answer:
The chart is placed in a database with five groups.
Hope this helped.
wausau window and wall systems started this process with a commitment from the ceo that he and all other managers in the company would be trained in program fundamentals. using this problem-solving methodology, wausau relentlessly pursued higher quality and lower costs at its window trim plant. intensive analysis led to a redesigned workflow that improved productivity by 100%.
This process with a vow from the CEO that he and all other managers in the business would be taught in programme principles. a new workflow was created that increased productivity by 100%.
Wausau's window trim business steadfastly pursued improved quality and cheaper prices using a problem-solving approach. A revised procedure that tripled production was the result of thorough investigation. Can Six Sigmathe series of actions required to move from the start of a working process to its conclusionJust keep it simple, dude (KISS)It implies that you should write your code as simply as you can. One of the tenets of fundamental programming is to avoid getting bogged down in trying to be extremely clever or bragging with a big block of sophisticated code. If a script can be written in a single line, do so.To know more about Business and Programme , here
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Which of the following is NOT true about emergency funds?
a,They can keep you from borrowing money from friends and family.
b,They help remove the worry about expenses not in the budget.
c,They are used for anything listed on the budget.
d,They help you prepare for unexpected expenses.
Answer:
The answer is "They are used for anything listed on the budget."
The option that is NOT true about emergency funds is: c. They are used for anything listed on the budget.
What is emergency funds?Emergency funds are usually not used for things that are planned and included in the budget. Instead, emergency funds are money saved specifically for unexpected expenses that you didn't plan for in your usual budget.
The reason for having an emergency fund is to have money saved for unexpected things that might happen, like when someone gets hurt and needs to go to the hospital or when a car or home needs fixing. It can also help if someone loses their job or if something else happens that they didn't expect.
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explain advertisement
Answer: Advertisement is a marketing communication. It is used to promote businesses and their products. Used to promote more effectiveness in a businesses profit and their sales. May be seen in the form of commercials or billboard announcements in everyday life.
The income from what reliable source benefits the entire community by funding essential services and public works?
The income from property taxes benefits the entire community by funding essential services and public works.
Funding refers back to the money required to start and run a commercial enterprise. it is a financial funding in a agency for product improvement, manufacturing, growth, income and marketing, workplace spaces, and inventory.
Funding is the act of imparting assets to finance a want, application, or challenge. at the same time as that is commonly inside the form of money, it may additionally take the shape of an attempt or time from an enterprise or business enterprise. The main resources of funding are retained profits, debt capital, and fairness capital.
Agencies use retained earnings from business operations to expand or distribute dividends to their shareholders. Companies boost finances by means of borrowing debt privately from a bank or by way of going public (issuing debt securities).
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which one of the following statements is incorrect?multiple choiceapr is the true or effective annual interest charged by sellersthe truth in lending act regulates interest chargesapr represents the true or effective annual rate of interestthe truth in lending act specifies the information creditors must give buyers
The statement "APR is the true or effective annual interest charged by sellers" is incorrect. APR (Annual Percentage Rate) is the true or effective annual rate of interest that is charged by lenders, not sellers.
It is the cost of borrowing money over a year, expressed as a percentage of the total amount borrowed. The Truth in Lending Act (TILA) is a federal law that regulates the disclosure of credit terms to consumers and requires lenders to disclose the APR and other key terms of the loan. The TILA specifies the information that creditors must provide to buyers, including the APR, finance charges, and total amount financed. The purpose of the TILA is to ensure that consumers have access to accurate and transparent information about the cost of credit, so they can make informed decisions when borrowing money.
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you have a portfolio of three stocks, a, b, and c. 30% of your portfolio is invested in a, 25% in b, and 45% in c. a's beta is .5, b's beta is 1.3, and c's beta is 2.1. what is the portfolio beta? group of answer choices 1.14 1.31 1.23 1.42
To calculate the portfolio beta, we need to weigh the individual betas by their respective weights in the portfolio. The formula for portfolio beta is:
Portfolio Beta = (Weight of Stock A x Beta of Stock A) + (Weight of Stock B x Beta of Stock B) + (Weight of Stock C x Beta of Stock C)
Plugging in the given values, we get:
Portfolio Beta = (0.30 x 0.5) + (0.25 x 1.3) + (0.45 x 2.1)
Portfolio Beta = 0.15 + 0.325 + 0.945
Portfolio Beta = 1.42
Therefore, the portfolio beta is 1.42, which means the portfolio is more volatile than the market as a whole (which has a beta of 1.0). This information can be useful for investors in determining the risk level of their portfolio and making informed decisions about asset allocation.
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A country has a trade deficit of $20 billion with its trading partners (
year. Which change would cause the country to have a trade surplus the
following year, assuming everything else remains the same?
A. The country increases its exports by $30 billion.
B. The country increases its imports by $30 billion.
C. The country decreases its exports by $10 billion.
D. The country decreases its imports by $10 billion.
D) The nation reduces its exports by $30 billion, the change would result in a trade deficit the following year for the country that had a trade surplus of $20 billion in one year.
When imports rise faster than exports, a trade deficit occurs. If the country increases its exports by $30 billion, decreases its imports by $10 billion, or increases its imports by $10 billion, it cannot have a trade deficit.
As a result, the country will only experience a trade deficit if its exports decrease by $30 billion while the rest of its exports remain unchanged.
With an example, what is a trade deficit?A country has a trade deficit when its imports exceed its exports over a given time period. A negative balance of trade (BOT) is another name for this situation. There are several ways to determine the balance, including: goods (also called " merchandise”), goods and services, and services and goods.
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Full Question = A country has a trade surplus of $20 billion with its trading partners over a
year. Which change would cause the country to have a trade deficit the
following year, assuming everything else remains the same?
A. The country increases its exports by $30 billion.
B. The country decreases its imports by $10 billion.
O C. The country increases its imports by $10 billion.
O D. The country decreases its exports by $30 billion.
The lessons or skills that a person gains by working in a specific job or occupation is known as _____.
A. training
B. experience
C. certification
D. education
Answer:
experience
Explanation:
1. Point out which changes are occurring in the business that affect HRM. 2. What are some considerations the company and HR should be aware of when making changes related to this case study? 3. What would the initial steps be to start planning for these changes? 4. What would your role be in implementing these changes?
Answer:
Following are the solution to the given point.
Explanation:
In question 1:
Modifications such as:
Its five workers' benefit in the following 3, months will affect the human system comprises, that is well established and deeply connected with others and historically understanding its company. Other vision becomes unparalleled for business performance. Enable employees of one, 2 years per week to the telephone. Efficiency issues if work is allowed at home. End the actual department to launch the digital division. Rather than recruiting the staff on even a contractual basis as filled workers.In question 2:
facets:
Progressively but not in a moment, we should be aware of implementing changes, since it indirectly encourages employees and can be tormenting. Fewer would be motivated and far less productive. They should be informed of the realistic viability of changes and assess the optimistic feasibility of the proposed changes. They need to take into consideration their employee's collective opinions or take decisions about change into account.In question 3:
Diagnosing your company's existing environment is the very first step following your choice to change your company and to make changes with employees who are starting to alter gradually. To understand the workers' current motivation is an effective way to begin a progressive change process.
In question 4:
My function would be to offer the concept a sense of the impact of such changes on the organization's ecosystem as well as the convenience of the changes to be identified. Provide team members with assignments and identify the change cabin crew to be introduced in a system. Encouragement for change and overall smart agricultural control among workers.
the main sequence has a limit at the lower end because
The main sequence has a lower limit because stars below a certain mass cannot sustain hydrogen fusion.
Because it represents a range of stars actively undergoing hydrogen fusion in their cores, the main sequence has a limit at its lower end. The main source of a star's energy and luminosity is its fusion process. Lower core temperatures and pressures of smaller, less massive stars make hydrogen fusion more challenging to achieve.
The hydrogen burning limit is a threshold below which the core pressure and temperature of a star are no longer sufficient to support hydrogen fusion. These smaller stars known as brown dwarfs, have different properties and do not belong to the main sequence. Due to the requirements for maintaining hydrogen fusion in a star's core, the main sequence has a limit at the lower end.
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Keynes believed all of the following are true, except
wages and prices are sticky.
the economy is inherently stable.
the economy can experience a long period of recession.
the government must be involved in the economy.
the economy is never at full employment of resources.
The notion that "the economy is intrinsically stable" is false, in Keynes' opinion.
What economic principles did Keynes hold?According to Keynesians, since prices are somewhat stiff, changes in all types of spending, including government, investment, and consumer spending, have an impact on output. For instance, output will rise if government spending rises while all other spending elements stay the same.
What about Keynes' views on the recession?Implementing an expansionary fiscal policy, in the opinion of Keynesians, is the most effective approach to exit a recession. Examples include lowering taxes to promote investment and spending or outright raising government expenditure, both of which would result in a rightward shift in the aggregate demand curve.
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careers in selling offer many rewards, but the primary rewards include ________.
Careers in selling offer many rewards, with the primary rewards being financial incentives, personal satisfaction, and opportunities for growth.
Firstly, financial incentives are a significant reward in selling careers. Sales professionals often receive a base salary, but a substantial portion of their income comes from commissions, which are directly linked to their performance. This allows high-performing salespeople to potentially earn much more than their counterparts in other professions. Moreover, sales professionals may receive bonuses, rewards, or other incentives for meeting or exceeding sales targets, further boosting their income potential.
Secondly, personal satisfaction plays a vital role in the rewards of selling careers. The ability to connect with clients, identify their needs, and provide them with suitable products or services can lead to a strong sense of accomplishment. Sales professionals take pride in knowing that their efforts have a direct impact on the success of their company and contribute to customer satisfaction. This satisfaction can lead to a fulfilling and enjoyable career.
Lastly, opportunities for growth are abundant in selling careers. Sales professionals have the chance to develop a range of skills, including negotiation, communication, and problem-solving, which are valuable across various industries. As salespeople progress in their careers, they may advance into managerial or leadership roles, overseeing sales teams or even entire sales divisions. In summary, the primary rewards of careers in selling include financial incentives, personal satisfaction, and opportunities for growth, making it an attractive option for many individuals seeking a rewarding career path.
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If real economic growth is 3%, the inflation rate is 5%, and the nominal interest rate is 7%, then the real rate of interest is:
Based on the information given the real rate of interest is:2%.
Real rate of interestUsing this formula
Real rate of interest=Nominal interest rate-Inflation rate-
Where:
Inflation rate=5%
Nominal interest rate=7%
Let plug in the formula
Real rate of interest=7%-5%
Real rate of interest=2%
Inconclusion the real rate of interest is:2%.
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Question 7 of 10
Both term life and whole life insurance policies:
A. Cover the policyholder's long-term health and disability expenses.
B. Pay money to beneficiaries upon the policyholder's death.
C. Earn interest on the amount of the policy.
O D. Have a maximum term of 40 years.
SUBMIT
The insurance policies of term life and whole life insurance policies only pay money to beneficiaries upon the policyholder's death.
What is a term life and whole life insurance policies?A term life assurance is a life policy for a limited period while the whole life assurance is a life policy for life.
The correct statement is that insurance policies of term life and whole life insurance policies only pay money to beneficiaries upon the policyholder's death.
Therefore, the Option B is correct.
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How can you get your money back if you send a p2p payment to the wrong person?.
When a payment is sent to the wrong person using p2p, the money cannot be gotten back since it is equivalent to giving money to a wrong account. However, the person can lay a complaint to the customer service to take action.
What is P2P Payment?P2P payment is a system of payment where money is sent to another member of the crypto community in exchange for a coin to be sent to the individual's wallet. It is equivalent to giving someone cash.
When a user mistakenly sends money to the wrong person, the money cannot be gotten back. But if the sender has the details of the wrong receiver, an appeal can be made for the money to be reversed. However, if this is not the case, then the money would have to be forfeited.
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I am young, Im twenty years old; yet I know nothing of life but despair, death, fear, and fatuous superficiality cast over an abyss of sorrow. I see how peoples are set against one another, and in silence, unknowingly, foolishly, obediently innocently slay one another.
The statement expresses a bleak perspective on life, highlighting despair, death, fear, and the senseless conflicts that lead to the destruction of humanity.
The speaker, who is twenty years old, asserts that their limited experience has only exposed them to negative aspects of life. They feel engulfed in despair and view life as an abyss of sorrow. They also perceive a prevalent atmosphere of superficiality, where people foolishly and unknowingly contribute to their own destruction. The speaker laments the way individuals are pitted against each other, resulting in the silent but obedient slaughter of one another.
This statement reflects a deeply pessimistic and disillusioned view of the world. It portrays a sense of hopelessness, indicating that the speaker has not encountered any positive or meaningful aspects of life.
The statement expresses a somber perspective on life, emphasizing the speaker's perception of despair, death, fear, and the self-destructive nature of human interactions. It reflects a sense of disillusionment and hopelessness, suggesting that the speaker's experiences have been overwhelmingly negative. However, it's important to remember that this is an individual's subjective viewpoint and does not necessarily represent the entirety of human existence. Life encompasses a wide range of experiences, both positive and negative, and it is up to each person to seek out meaning, purpose, and fulfillment amidst the challenges and complexities of the world.
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Coronado Corporation began operations on January 2. Its year end is December 31, and it adjusts its accounts annually. Selected transactions for the current year follow: 1. On January 2, purchased supplies for $4,370 cash. A physical count at December 31 revealed that $640 of supplies were still on hand. 2 Purchased a vehicle for $41,000 on April 1. paying $5,300 cash and signing a $35,700 bank loan for the balance. The vehicle is estimated to have a useful life of 5 years and the company uses straight-line depreciation. The bank loan has an interest of 3% payable at maturity. 3. Purchased a $3,540, one-year insurance policy for cash on August 1. The policy came into effect on that date. 4. Received a $1,490 advance cash payment from a client on November 9 for services to be performed in the future. As at December 31, half of these services had been completed. 5 On December 1, the company rented additional office space for a six-month period starting on December 1 for $1,150 each month. It paid rent for the months of December and January in advance on this date.
The supplies expense for the year is $3,730, and the supplies on hand at the end of the year are $640.
For transaction 1, the supplies expense is calculated by subtracting the supplies on hand ($640) from the total supplies purchased ($4,370), resulting in $3,730 as the supplies expense for the year.
For transaction 2, the vehicle is depreciated over its useful life of 5 years using straight-line depreciation. The annual depreciation expense is calculated as $35,700 divided by 5, resulting in $7,140 per year.
For transaction 3, the insurance policy is for one year and was fully paid in cash on August 1. Since the policy came into effect on that date, the entire cost of $3,540 is expensed in the current year.
For transaction 4, since half of the services have been completed by December 31, the revenue recognized is half of the advance cash payment received, which is $1,490 divided by 2, resulting in $745.
For transaction 5, since the company paid rent for December and January in advance, the rent expense for the current year is $1,150.
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What are good sides and bad sides of breaking news and some examples why is it bad/good?
Answer:
breaking news may have a bad news example of bad news is fake news
Answer:
In my opinion, I see that the good side of news is that it help people be more aware of what's going around, and some may contribute to the rise in support for some fundings and charity programs for example: if a breaking news about a victim of any crime for example stolen house is displayed, an interview can give a voice to the victim to speak out and maybe raise fundings to repair all stolen goods or damaged items. On the other hand, some breaking news can end up sending out the wrong message and information for example talking about untrustable information, which may later on turn out to be wrong this can cause rumors.
state the law of demand
Answer:
In microeconomics, the law of demand is a fundamental principle which states that there is an inverse relationship between price and quantity demanded. .
Explanation:
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35 points!!!111
Outlining involves arranging topics or ideas in relationship to each other. Please select the best answer from the choices provided T F
Answer:
TRUE
Explanation:
Answer:
Honestly, you're lying about the 35 points thing...
But the answer is TRUE
Which margin is at the very bottom of the page when printing worksheets?
top margin
bottom margin
header margin
footer margin
Answer:
Footer Margin
Explanation:
Just took this :)
Answer:
Footer Margin
Explanation:
who supports an economy based on the gold standard (paper money has been backed by gold deposits) and who opposes it? why? gilded age
During the Gilded Age, there were supporters and opponents of an economy based on the gold standard. The gold standard was a monetary system where paper money was backed by gold deposits held by the government or central bank.
The Gilded Age in economics refers to a period in American history (roughly from the 1870s to the early 1900s) marked by rapid economic growth, industrialization, and the emergence of powerful business monopolies. The term "gilded" suggests that while the era was characterized by ostentatious displays of wealth and grandeur, beneath the surface there were significant economic and social problems.
During this time, a small group of wealthy industrialists, financiers, and railroad magnates dominated the economy, while many workers toiled in dangerous conditions for low wages. The period also witnessed a rise in corruption and political influence peddling, as business interests sought to manipulate government policy to their advantage. The Gilded Age ultimately set the stage for significant economic and political reforms in the early 20th century, as progressives sought to address these inequities and promote greater economic and social justice.
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Tina, a sales manager, is interviewing a worker who applied for a sales job. She likes the applicant so much that she says, "This is a great place to work. If you are loyal to us, we will be loyal to you, and you can count on a job here." Phil, the HR manager, learns what Tina said. He asks her not to make this kind of statement again. What reason best explains why Tina's comment was unwise?
The reason why the comment by Tina was unwise was because A. Tina's statement could be taken as an implied contract to keep the worker in future, making it hard to dismiss the worker if problems arise.
Why should Tina not have said that?Tina essentially gave the applicant an implied contract because she gave the applicant terms that they needed to abide by in order to get the job and to keep it.
Those terms revolved around loyalty. This means that if the company needed to dismiss the worker in future, the worker could go to court and argue that they deserve to keep their job because they have given the loyalty that was a requisite according to Tina.
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Answer:
Tina's statement could be taken as an implied contract to keep the worker in the future making it hard to dismiss the worker if problems arise
Jake, a store keeper at Triscent Hypermarket, is accused of stealing food products from the store. When confronted by his manager, Jake justifies his act by claiming that his monthly pay is not sufficient to support his family of five members. In this scenario, the defense mechanism used by Jake is _____. Group of answer choices conversion fantasy flight rationalization
Answer:
Rationalisation
Explanation:
Rationalisation is the attempt by an individual to justify an action, behaviour, or attitude with logical reasoning. Mostly the reasons given are not appropriate enough.
In the given instance Jake is accused of stealing food products from the store, he justifies his act by claiming that his monthly pay is not sufficient to support his family of five members.
This is not enough reason to still but he still tries to rationalise his action based on his low salary.