Prewriting is the stage in which a writer makes a decision on what they intend to write about, creates a plan, and identifies strategies for their writing process. This step is crucial to the success of any written work. This question asks about prewriting techniques, so let's explore them.
Prewriting Techniques There are several prewriting techniques available for a writer to choose from, but the following are the most important:
1. Brainstorming Brainstorming is a prewriting technique that involves generating a large number of ideas in a limited period. These ideas can be written down in a list format or mind-mapping. It can be done solo or in groups.Example: If the topic of an essay is "The Causes and Effects of Water Pollution," a writer may jot down things like oil spills, sewage disposal, industrial waste, pesticides, and so on.
2. Clustering Clustering, also known as Mind-Mapping, involves drawing an idea map or diagram. The main idea is placed in the center of the page, and other sub-ideas are linked to it. It is an excellent prewriting technique for writers who are visual learners. Example: For instance, if a writer intends to write a persuasive essay on the benefits of technology in education, they may jot down the benefits of technology in education, eLearning, Learning Management Systems (LMS), educational software, digital textbooks, online classes, and so on.
3. Freewriting Freewriting is a prewriting technique that involves writing whatever comes to mind for a set period, whether it's a sentence or a paragraph. The goal of freewriting is to express ideas without worrying about grammar, punctuation, or even spelling. Example: For instance, if a writer wants to write an essay on the advantages of electric cars, they may start freewriting about electric cars' benefits like low emissions, efficiency, and cost savings.
4. Listing Listing is a prewriting technique that involves writing down ideas in a list format. It's an excellent prewriting technique for writers who prefer an organized approach to prewriting. Example: If a writer intends to write a descriptive essay about their ideal vacation spot, they may jot down the beach, beautiful scenery, relaxation, peace and quiet, and so on.
5. Outlining Outlining is a prewriting technique that involves organizing ideas in a hierarchical manner. This technique involves creating a plan for writing by breaking it down into sections or subtopics. Example: For instance, if a writer intends to write an argumentative essay on the advantages of online classes, they may start outlining by stating the introduction, then listing the advantages of online classes, addressing the disadvantages, and finally ending with a conclusion.
6. Questioning Questioning is a prewriting technique that involves creating a list of questions related to the topic. The idea behind this technique is to answer the questions, which then helps in generating more ideas.Example: If a writer intends to write a report on "The Causes and Effects of Global Warming," they may jot down questions like, "What is global warming?" "What causes global warming?" "What are the effects of global warming?" "How can we prevent global warming?" "What can individuals do to help?" and so on.
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Any examples of product for product proposal
Answer:
D'Harari belt i-FALAH production NURUL AQILAH FATIN SYARMIMI NUR AINAThe easy way to get fit.D'Harari belt i-FALAH production NURUL AQILAH FATIN SYARMIMI NUR AINAThe easy way to get fit.1.0 THE VISION • Our product will work with electric as a source to help women in getting slimmest body with good posture.On January 1 of the current year, the Barton Corporation issued 8% bonds with a face value of $73,000. The bonds are sold for $70,810. The bonds pay interest semiannually on June 30 and December 31 and the maturity date is December 31, five years from now. Barton records straight-line amortization of the bond discount. The bond interest expense for the year ended December 31 is
Answer:
$6,278
Explanation:
The discount of issuance of bond will be amortized until period of maturity while Total interest expense on a discounted bond is the addition of amortization of the discount amount and coupon payment.
Therefore;
Coupon payment = $73,000 × 8%
= $5,840
Discount on the bond = $73,000 - $70,810
= $2,190
Discount amortized per year = $2,190/5
= $438
Total interest expense = Coupon payment + Amortization of discount
= $5,840 + $438
= $6,278
What is the SNAP food program governed by the farm bill
stamps
magnet
O paperwork
card
Answer:
The Supplemental Nutrition Assistance Program (SNAP) helps families, older adults, and individuals pay for groceries. ... SNAP benefits provide food security, stimulate local economies, and support farmers and the agriculture industry through the purchases of Pennsylvania-grown and processed foods.
Explanation:
Amy-Jo works for herself selling weight-loss products door to door. This is
A. not typical, because most door-to-door salespeople work for companies.
B. not typical, because products are rarely sold door to door.
C. typical, because most door-to-door salespeople are self-employed.
D. typical, because most weight-loss products are sold door to door
Answer:
C. typical, because most door-to-door salespeople are self-employed.
Explanation:
Army-Jo can be classified as a small scale retailer. It is normal for entrepreneurs with businesses with the same classification to conduct door-to-door by themselves.
A majority of salespersons who do-to door sales are self-employed. As a business doing do-to-door selling is much profitable because of reasons such as
Selling door to door eliminates the need for a store, which is expensive to establish.Hiring a good salesperson is expensive due to the wages involved.Door-to-door is less costly. Only time expense is incurred.Answer:
its D
Explanation:
:P
Explain five steps in product design for a business
Explanation:
Five phases guide the new product development process for small businesses: idea generation, screening, concept development, product development and, finally, commercialization.
which of the following statements is a bottom-line statement
Answer:
The strong demand in Bigtown would make opening a new salon feasible
Explanation:
Answer:The strong demand in Bigtown would make opening a new salon feasible
Explanation:
Depriciation for for daubtiful debts.
Answer : Some of the typical items which find a place in the profit and loss account of a firm are depreciation, bad debts and provisions. Enlisting these items on the debit side of the account is indicative of creating a charge on the profits of the firm for that period. If these items are not accounted for in the revenue statement for a period, it would hamper the true and fair view of the accounts.
depreciation:A charge on the value of fixed assets of a firm, depreciation usually entails writing down the cost of a fixed asset. This is done in lieu of the matching concept of accountancy. There are two main methods of charging depreciation, which is the straight-line method and the written down value method.
Provision for Doubtful Debts:The provision for doubtful debts is an estimated amount of bad debts that are likely to arise from the accounts receivable that have been given but not yet collected from the debtors. It is similar to the allowance for doubtful accounts
Explanation:
Some of the typical items which find a place in the profit and loss account of a firm are depreciation, bad debts, and provisions. Enlisting these items on the debit side of the account is indicative of creating a charge on the profits of the firm for that period. If these items are not accounted for in the revenue statement for a period, it would hamper the true and fair view of the accounts.
depreciation: A charge on the value of fixed assets of a firm, depreciation usually entails writing down the cost of a fixed asset. This is done instead of the matching concept of accountancy. There are two main methods of charging depreciation, which are the straight-line method and the written-down value method.
Provision for Doubtful Debts: The provision for doubtful debts is an estimated amount of bad debts that are likely to arise from the accounts receivable that have been given but not yet collected from the debtors. It is similar to the allowance for doubtful accounts
The TRIM function removes all spaces from a text string. True False. False (trim doesn't remove spaces between words).
Since trim doesn't remove spaces between words, the claim that "The TRIM function remove all space from a text string" is false.
What exactly are texts?The original structure and content of the printed or written material. the original work that has been changed or amended. a written work that includes such text. the majority of what is printed or written on a page.
What function does text play in communication?Sending short private, family, social, & business messages is the goal of texting. Because recipients of texts are not compelled to reply right away, text messaging is frequently preferred by people. Businesses and organizations can also use texts to attract customers' attention and deliver urgent messages.
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What psychologist proposed that humans, along with members of other species, have a fighting instinct, which in earlier times ensured protection of food supplies and weeded out the weaker of the species?
The psychologist who proposed that humans, along with members of other species, have a fighting instinct that ensured the protection of food supplies and weeded out the weaker individuals of the species is Sigmund Freud.
Freud, a renowned psychoanalyst and the founder of psychoanalysis, put forward the concept of the "death instinct" or "Thanatos" as part of his psychological theories. According to Freud, the death instinct is an innate drive present in all living beings, including humans, that pushes towards aggression, destruction, and self-destructive behaviors.
Freud believed that the death instinct operates in opposition to the "life instinct" or "Eros", which encompasses the drive for survival, reproduction, and the preservation of life. The interplay between these two instincts influences human behavior and the dynamics of social groups.
While Freud's ideas on the death instinct have been the subject of debate and criticism within the field of psychology, his proposition of an instinctual fighting drive aligns with the broader understanding of aggression and survival behaviors observed in various species, including humans.
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Regardless of the criteria differences among different types of projects, typically the most important criterion for project selection is
Answer:
the project fits to the organization strategy.
Explanation:
A project can be defined as a set of actions which typically involves the process of designing, developing, planning, execution and implementation of these plans for the creation of a product or creative work.
There are various criteria that are to be considered when selecting a project and these are;
1. Availability of resources.
2. Probability of success.
3. Economic policies.
4. Target market.
5. Availability of data and capital.
Regardless of the criteria differences among different types of projects, typically the most important criterion for project selection is to determine if the project fits into the organization's strategy.
This is to ensure that the aim, goals, and objectives defined by the organizational strategy is in tandem with the project before it would be selected and approved by the top executives or senior management of an organization.
High school is referred to as _____ education.
fundamental
secondary
vocational
primary
Answer:
secondary
Explanation:
as 10 class is rrferred to as secondary education
plz folliw me
Answer: High school is referred to as secondary education. :)
The we love books publishing company is this a publishing company, if so then how do I get to there web site
Answer:
www.welovebooks.net
Explanation:
You can simply type "We Love Books publishing company" in a search engine and it will show up as the second link. If not then you can just type the name of the website in the browser's search bar to take you straight to their web site which is www.welovebooks.net , They design and publish different books as well as magazines, product catalogues and corporate publications. The website also has a contact option so that you can contact them directly and make requests.
Answer in True or False :
Making a payment on an account would be journalized with a debit to Accounts Payable and credit to Cash
2)chose one of the following : By NOT accruing warranty​ expense:
A.reported expenses will be overstated and reported liabilities will be understated.
B.reported liabilities will be understated and net income will be overstated.
C.reported liabilities will be overstated and net income will be understated.
D.reported expenses will be understated and net income will be understated.
True: Making a payment on an account would be journalized with a debit to Accounts Payable and credit to Cash.
Answer: B) reported liabilities will be understated and net income will be overstated.
By not accruing warranty expense, reported liabilities will be understated because the company has an obligation to provide warranty service in the future, but it is not recognizing the associated expense. This understates the reported liabilities on the balance sheet. Additionally, net income will be overstated because the expense related to warranty service has not been recognized, resulting in higher reported income.
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.
Lena thinks someone has stolen her identity. She isn’t sure if she should place a fraud alert on her credit report. She doesn’t understand anything about fraud alerts. What true statement could you teach Lena to help her make a more informed decision?
A fraud alert prevents anyone from viewing your credit report.
A fraud alert can stop anyone from opening any new accounts in your name.
When filing a fraud alert, you must first pay for a credit report.
To place a fraud alert, you must contact all three credit reporting agencies.
Answer:
A fraud alert prevents anyone from viewing your credit report
A fraud alert prevents anyone from viewing the credit report is the true statement could you teach Lena to help her make a more informed decision. Thus, option A is correct.
What is credit report?A credit history is a credit record of a borrower's timely debt repayment. A credit report is a record of a borrower's credit history obtained from a variety of sources, such as banks, credit card companies, collection agencies, and governments.
A credit score is essentially a summary of your credit history, whereas your credit report contains all the specifics of the financial history. The credit report will delve much deeper into your lending history, allowing the lender to examine how a person handled borrowed funds.
Therefore, option A is correct.
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How should resumes and cover letters be written to help you obtain a job that meets your career goals?.
The Resumes and Cover letters be written should list your accomplishments and how your skills meet the needs of the job.
A resume is a formal document that a candidate for a job writes to list their qualifications for the role. A cover letter, which is frequently included with a resume, is used to highlight the most important facts on the CV and to demonstrate interest in a certain position or business. A CV should only be one or two pages long, according to American job coaches. Traditionally, job seekers in Britain are required to provide a CV, which is a slightly more thorough document (curriculum vitae).
The standard resume length of one to two pages still applies, but nothing precludes you from including a small video introduction or other demonstration if it is pertinent and improves your presentation.
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Hannah Ortega is considering expanding her business. She plans to hire a salesperson to cover trade shows. Because of compensation, travel expenses, and booth rental, fixed costs for a trade show are expected to be $15,990. The booth will be open 39 hours during the trade show. Ms. Ortega also plans to add a new product line, ProOffice, which will cost $184 per package. She will continue to sell the existing product, EZRecords, which costs $105 per package. Ms. Garcia believes that the salesperson will spend approximately 29 hours selling EZRecords and 10 hours marketing ProOffice. Required Determine the estimated total cost and cost per unit of each product, assuming that the salesperson is able to sell 76 units of EZRecords and 53 units of ProOffice. Determine the estimated total cost and cost per unit of each product, assuming that the salesperson is able to sell 200 units of EZRecords and 99 units of ProOffice.
Answer and Explanation:
The computation of the estimated total cost & the cost per unit is given below:
For 76 units & 52 units
For EZRecords
Total cost = Fixed cost + variable cost
where
Fixed cost = $15,990 × 29 hours ÷ 39 hours
= $11,890
And, the variable cost is
= 76 units × $105
= $7,980
So, the total cost is
= $11,890 + $7,980
= $19,870
And, the cost per unit is
= $19,870 ÷ 76 units
= $261.45
For Pro office
Total cost = Fixed cost + variable cost
where
Fixed cost = $15,990 × 10 hours ÷ 39 hours
= $4,100
And, the variable cost is
= 53 units × $184
= $9,752
So, the total cost is
= $4,100 + $9,752
= $13,852
And, the cost per unit is
= $13,850 ÷ 53 units
= $261.35
For 200 units & 99 units
For EZRecords
Total cost = Fixed cost + variable cost
where
Fixed cost = $15,990 × 29 hours ÷ 39 hours
= $11,890
And, the variable cost is
= 200 units × $105
= $21,000
So, the total cost is
= $11,890 + $21,000
= $31,890
And, the cost per unit is
= $31,890 ÷ 200 units
= $159.45
For Pro office
Total cost = Fixed cost + variable cost
where
Fixed cost = $15,990 × 10 hours ÷ 39 hours
= $4,100
And, the variable cost is
= 99 units × $184
= $18,216
So, the total cost is
= $4,100 + $18,216
= $22,316
And, the cost per unit is
= $22,316 ÷ 99 units
= $225.41
At the profit-maximizing quantity from part (a)(i), is the monopolist experiencing economies of scale? Explain.
To determine if the monopolist is experiencing economies of scale at the profit-maximizing quantity, we need to analyze the relationship between the monopolist's production level and its average cost.
If the monopolist is experiencing economies of scale, it means that as the production level increases, the average cost of production decreases. This is typically due to factors such as increased specialization, higher production volumes leading to better utilization of resources, and potential cost savings from bulk purchasing or technological efficiencies.
However, without the specific information about the production level and the corresponding average cost, we cannot definitively determine if the monopolist is experiencing economies of scale at the profit-maximizing quantity. We would need to compare the average cost at different production levels to assess if it is decreasing as output increases.
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"Professional education and vocational training are the foundation
for the overall development of a nation". Justify this statement with
suitable examples.
?
Answer:
Professional education and vocational training are the foundation for the overall development of a nation because, by training people in the different careers and jobs that they will develop throughout their lives, this in turn is generating a series of people specialized in different labor fields that will benefit from one or the other it shapes society as a whole. Therefore, through this specific education in labor matters, future progress and well-being are generated for citizens.
suppose that the reserve requirement in an economy is .50 and the total amount of excess reserves is 800 billion what is the maximum possible total change in the money supply
To determine the maximum possible total change in the money supply, we need to consider the reserve requirement and the number of excess reserves.
The reserve requirement is the percentage of deposits that banks are required to hold as reserves. In this case, the reserve requirement is 0.50, which means banks must hold 50% of deposits as reserves.
The excess reserves are the reserves held by banks above the required amount. In this case, the total amount of excess reserves is 800 billion.
To calculate the maximum possible total change in the money supply, we can use the money multiplier formula, which is the inverse of the reserve requirement:
Money Multiplier = 1 / Reserve Requirement
Maximum Possible Total Change in Money Supply = Money Multiplier * Excess Reserves
Using the given information:
Reserve Requirement = 0.50
Excess Reserves = 800 billion
Money Multiplier = 1 / 0.50 = 2
Maximum Possible Total Change in Money Supply = 2 * 800 billion = 1,600 billion
Therefore, the maximum possible total change in the money supply is 1,600 billion (or 1.6 trillion).
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Question: Read this paragraph and identify and write at least five concepts that need concept analysis and operational definition. Explain your choice.
Paragraph: "Industrial processes emit huge amounts of organic compounds, carbon monoxide, hydrocarbons, and chemicals into the air" (Munsif, 2020). Industrial production and operations are responsible for industrial pollution, which makes up a large portion of overall air pollution emissions. Indoor (or domestic) air pollution is caused by the collective actions of people around the world. These include sources, such as transportation, which also constitutes a large percentage of total greenhouse gas emissions. A car, for example, emits greenhouse gasses, such as carbon dioxide, methane, and nitrous oxide (REF). "Pollutants come from human activities, such as cars, trucks, airplanes, marine engines, etc., factories, electric power plants, etc. Nowadays, vehicles on the road constitute the major source of air pollution in populated countries. Road transport accounts for a major source of air pollution. It is specified that road transport is the second source of air emissions up to 28.6% after the industrial use of solvents which is 41.4%." (Munsif, 2020).
Concept analysis and operational definition are necessary to understand which gases are included and what their potential impacts are on the environment and health. An operational definition will help us know what actions can be taken to control the emissions of these gases
Industrial processes:
Concept analysis and operational definition is necessary to understand which processes and industries are being referred to, as not all industries have the same pollution levels and causes. For instance, a paper mill has different emissions and pollutants than a cement factory. Therefore, which industries are included in the industrial process is essential to know. Also, operational definition of industrial processes will give clarity on what steps can be taken to reduce emissions and pollutants in each type of industrial process.
Organic compounds:
Concept analysis is required to determine which organic compounds are emitted and what their impact is on the environment and health. While operational definition of organic compounds is needed to establish a common understanding of what organic compounds are being referred to, as this is a broad term.
Carbon monoxide:
Concept analysis and operational definition are required to understand its impact on the environment and health. Also, an operational definition will help us know where it is emitted from, and how it can be controlled.
Hydrocarbons:
Concept analysis and operational definition are required to understand which hydrocarbons are being referred to, how they impact the environment, and their potential for causing health problems.
Collective actions:
Concept analysis and operational definition are necessary to understand what actions are being referred to, and how they impact air pollution. Also, operational definition will help us identify what steps can be taken to reduce the collective impact of these actions.
Greenhouse gases:
Concept analysis and operational definition are necessary to understand which gases are included and what their potential impacts are on the environment and health.
An operational definition will help us know what actions can be taken to control the emissions of these gases.
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JohnBoy Industries has a cash balance of $54,000, accounts payable of $134,000, inventory of $184,000, accounts receivable of $219,000, notes payable of $129,000, and accrued wages and taxes of $41,500. How much net working capital does the firm need to fund?
Answer:Net working capital = $152,500
Explanation:
Net working capital = CA– CL
Where CA= Current Assets = Cash + Inventory + Accounts Receivable
and CL= Current Liabilities= Account payable + Notes payable + accrued wages and taxes
CA=$54, 000 + $184,000 + $ 219,000 =$457,000
Current liabilities = Account payable + Notes payable + accrued wages and taxes
CL = $134,000 + $129,000 + $41,500 = $304,500
Net working capital = Current assets – Current liabilities
Net working capital = $457,000 – $304,500= $152,500
Net working capital = $152,500
The ________ allows the scanning, monitoring, and evaluating of changes and trends in a firm’s macro environment.
The PESTEL framework allows the scanning, monitoring, and evaluating of changes and trends in a firm's macro environment.
A PESTEL analysis is a strategic framework commonly used to evaluate the business environment in which a firm operates. Traditionally, the framework was referred to as a PEST analysis, which was an acronym for Political, Economic, Social, and Technological; in more recent history, the framework was extended to include Environmental and Legal factors as well.
The framework is used by management teams and boards in their strategic planning processes and enterprise risk planning management. PESTEL analysis is also a very popular tool among management consultants to help their clients develop innovative product and market initiatives, as well as within the financial analyst community, where factors may influence model assumptions and financing decisions.
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ou purchased 500 shares of Malfoy Manufacturing's common stock for $35.00 per share, and you sold it again one year later for $39.90 per share. During the year that you held the stock, you were paid a dividend of $2.03 per share. Calculate the dividend yield, capital gains yield and total yield for your investment.
The dividend yield is calculated as follows:
Dividend yield = Dividend per share / Purchase price per share
In this case, the dividend per share is $2.03 and the purchase price per share is $35.00. So, the dividend yield is:
Dividend yield = $2.03 / $35.00 = 5.77%
The capital gains yield is calculated as follows:
Capital gains yield = (Sale price per share - Purchase price per share) / Purchase price per share
In this case, the sale price per share is $39.90 and the purchase price per share is $35.00. So, the capital gains yield is:
Capital gains yield = ($39.90 - $35.00) / $35.00 = 14.29%
The total yield is calculated by adding the dividend yield and the capital gains yield. In this case, the total yield is:
Total yield = 5.77% + 14.29% = 20.06%
Therefore, the dividend yield, capital gains yield and total yield for your investment are 5.77%, 14.29% and 20.06% respectively.
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O A. "I'm a hard worker."
O B. need more help.'
• C. "I wonder if my friends are good at this."
C D. "Will this be
over soon?"
Which trait do MOST employers look for when hiring new employees?
Group of answer choices
punctuality
an outgoing personality
financial independence
a fashionable wardrobe
Answer: Punctuality
Explanation:
Mean value of x And y, when the regreion line of y on x and y are 4x-7y15=0 and 7x-3y-20=0 are
The mean values of x and y can be found using the formula for the equations of the regression lines. The mean value of x is given by:
x_mean = (15/10) = 1.5
The mean value of y is given by:
y_mean = (-20/10) = -2.
So, the mean values of x and y are 1.5 and -2 respectively.
What is a mean value?A mean value is the average of a set of numbers, computed by summing the numbers and dividing by the number of items in the set.
A regression line is a line of best fit that represents the relationship between two continuous variables. It helps to predict the value of one variable based on the value of another variable.
The regression line is created by fitting a mathematical equation to the data points. The equation takes the form of y = mx + b, where y is the dependent variable, x is the independent variable, m is the slope of the line, and b is the y-intercept. The slope and y-intercept are determined through statistical analysis of the data, using methods such as linear regression.
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The stages of formation of the Psalter may be compared to a(n) _______ .
mountain
landslide
river
iceberg
an extremely deep and long period of negative economic growth is most accurately called:
An extremely deep and long period of negative economic growth is most accurately called an economic depression.
An economic depression is a severe and prolonged downturn in economic activity characterized by a significant contraction in gross domestic product (GDP), high levels of unemployment, reduced consumer spending, and overall economic hardship. It represents an extended period of negative economic growth, often lasting several years or even a decade.
During an economic depression, key macroeconomic indicators such as GDP, industrial production, and employment experience a sharp decline. The economy operates well below its potential, businesses struggle, and investment and consumer spending decline significantly. The negative growth persists for an extended period, leading to a deep and prolonged recessionary phase.
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the United States has an advantage in reusable spacecraft because it can produce and sell them at a lower cost to any other country this is an
a comparative
b absolute
c competitive
d economy
The United States has an advantage in reusable spacecraft because it can produce and sell them at a lower cost to any other country this is an competitive advantage. The correct answer is option c.
The statement describes a situation where the United States can produce and sell reusable spacecraft at a lower cost compared to any other country. This indicates a competitive advantage for the United States in the field of reusable spacecraft.
A competitive advantage refers to a favorable position that allows a country, company, or individual to outperform competitors in a particular industry or market. It typically arises from factors such as technological advancements, efficient production processes, access to resources, or economies of scale.
In this case, the United States has a competitive advantage due to its ability to produce and sell reusable spacecraft at a lower cost. This could be attributed to factors such as advanced manufacturing capabilities, efficient supply chains, or cost-effective production methods.
This advantage enables the United States to dominate the market and potentially capture a larger share of customers compared to other countries.
The correct answer is option c.
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with a present value of $150,000, what is the size of the withdrawals that can be made at the end of each quarter for the next 10 years if money is worth 7.5%, compounded quarterly? (round your answer to the nearest cent.)
The size of the withdrawals that can be made at the end of each quarter for the next 10 years, with a present value of $150,000 and an interest rate of 7.5% compounded quarterly, is $5,548.21, rounded to the nearest cent.
To calculate the size of the withdrawals that can be made at the end of each quarter for the next 10 years, we can use the present value of an annuity formula, which calculates the equal periodic payments required to exhaust a present value over a specified period, given an interest rate and compounding frequency.
The formula is:
PMT = PV x (r / (1 - (1 + r)⁻ⁿ))
Where:
PMT = Payment (withdrawal amount)
PV = Present value
r = Interest rate per period
n = Number of periods
In this case, the present value is $150,000, the interest rate is 7.5% per year, compounded quarterly, and the number of periods is 40 (10 years x 4 quarters per year).
Converting the interest rate to a quarterly rate:
r = 7.5% / 4
r = 1.875%
Substituting the values into the formula:
PMT = $150,000 x (0.01875 / (1 - (1 + 0.01875)⁻⁴⁰))
PMT = $150,000 x (0.01875 / 0.50414)
PMT = $5,548.21
Therefore, the size of the withdrawals that can be made at the end of each quarter for the next 10 years is $5,548.21, rounded to the nearest cent.
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To calculate the size of the withdrawals, we can use the formula for the present value of an annuity:
PV = C × \((1 - (1 + r)^{(-n)} )\)
where PV is the present value, C is the size of the quarterly withdrawals, r is the interest rate per quarter (0.075/4 = 0.01875), and n is the number of quarters (10 years * 4 quarters per year = 40 quarters).
In this case, we know that the present value is $150,000, the interest rate is 7.5% per year, compounded quarterly, and we want to find the payment (PMT) that can be made at the end of each quarter for 10 years, or 40 quarters.
Substituting the given values, we get:
150,000 = C × \((1 - (1 + 0.01875)^{(-40)} )\) / 0.01875
Solving for C, we get:
C = 150,000 × 0.01875 / \((1 - (1 + 0.01875)^{(-40)} ))\)
C ≈ $4,405.94
Therefore, the size of the withdrawals that can be made at the end of each quarter for the next 10 years is approximately $4,405.94.
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