Answer: The Federal Deposit Insurance Corporation (FDIC) is an independent federal agency that insures deposits in U.S. banks and thrifts in the event of bank failures. It was established in 1933 by the Banking Act, also known as the Glass-Steagall Act. Having the FDIC affects the depositors’ feelings by increasing their confidence and trust in the banking system.
Explanation: The FDIC was created in response to the bank runs and failures that occurred during the Great Depression, which caused many depositors to lose their savings. The FDIC’s main purpose is to protect depositors from losing their money if their bank or thrift fails. The FDIC does this by:
Insuring deposits up to $250,000 per depositor, per insured bank, for each account ownership category. This means that if a bank fails, the FDIC will pay the depositors up to the insured limit, usually within a few days of the bank’s closure.Examining and supervising financial institutions for safety, soundness, and consumer protection. The FDIC monitors the financial condition and compliance of its member banks and thrifts, and takes corrective actions when needed.Resolving failed financial institutions. The FDIC acts as the receiver of failed banks and thrifts, and manages their liquidation or sale to another institution.Having the FDIC affects the depositors’ feelings by increasing their confidence and trust in the banking system. By providing deposit insurance, the FDIC reduces the risk of losing money due to bank failures, and encourages depositors to keep their money in banks rather than hoarding it or withdrawing it en masse. By examining and supervising financial institutions, the FDIC ensures that they follow sound banking practices and protect consumers’ rights. By resolving failed financial institutions, the FDIC minimizes the disruption and cost to the economy and the public.
Hope this helps, and have a great day! =)
The conflict between owners employees suppliers and customers of a company is known as?
The conflict between owners employees suppliers and customers of a company is known as conflict of interests.
How do you resolve conflict of interest in the workplace?Every organization should strive to create an ethical and trusting culture by setting the right tone at the top. The tone at the top should include clear messaging on how to manage a conflict of interest, making everyone in your organization aware of this type of corruption.
Communicate with the other person.Concentrate on behavior and events rather than people.Pay close attention.Determine areas of agreement and disagreement.Determine the areas of contention.Create a strategy for resolving each conflict.Stick to your game plan.Expand on your success.To learn more about conflict of interest from the given link
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which college is good for me?
i love art and tattooing
i love reading and drawing
do colleges teach how to tattoo??
Answer:
Maybe try Yale university
Explanation:
Answer: It depends on where you live, but Miami International University of Art & Design is a great college :) And yes, colleges do teach how to tattoo.
when a company starts a new division and recruits people to do the work, which aspect of its internal environment is it most directly changing? owners culture physical environment employees
When a company starts a new division and recruits people to do the work, it is most directly changing its employees, which is an aspect of its internal environment.
The internal environment of a company refers to the factors and conditions that exist within the organization and directly influence its operations and performance. It encompasses various elements, including the company's culture, physical environment, employees, and more.
However, when a company starts a new division and hires individuals to work in that division, the most immediate and direct change occurs in the employees aspect of the internal environment. The addition of new employees brings in fresh talent, skills, and perspectives into the company. It affects the composition of the workforce, leading to changes in the dynamics, teamwork, and overall capabilities of the organization.
The new division and the recruitment process can also have indirect effects on other aspects of the internal environment. For example, it may impact the company's culture as the new division's employees contribute their own values, work styles, and attitudes. Additionally, the physical environment may be altered to accommodate the needs of the new division, such as providing office space, equipment, or resources specific to their work.
However, it is important to note that all aspects of the internal environment are interconnected, and changes in one aspect can have ripple effects on others. Therefore, while the immediate and direct change occurs in the employees aspect, the introduction of a new division and recruitment process can have broader implications on the overall internal environment of the company.
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Brianna just signed a lease on a rental apartment. The current rent is $18,435 per year, and she estimates a 6% increase each year. Use her estimate to predict the sum of the next five years' worth of monthly rental expenses. Round to the nearest thousand dollars.
Brianna recently signed a lease on a rental apartment with an initial annual rent of $18,435. She anticipates a 6% increase in rent each year.
To predict the sum of the next five years' monthly rental expenses, we need to calculate the total cost over that period.
Assuming the rent increases by 6% each year, we can find the new annual rent for each subsequent year. In the first year, the rent remains at $18,435. For the second year, the rent increases by 6% to $19,545.60 (rounded to the nearest cent). Continuing this pattern, the rent for the third year would be $20,708.70, for the fourth year $21,927.55, and for the fifth year $23,205.28. By summing up these amounts and dividing by 12 to convert to monthly expenses, we find that the predicted sum of the next five years' worth of monthly rental expenses is approximately $3,875 per month (rounded to the nearest thousand dollars).
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_______are independent businesses that do not own the products they sell. They act as intermediaries to brinna
buyers and sellers together
Agents and brokers
Wholesalers
Retailers
Final consumers
Answer:
Agents and brokers
Explanation:
Agents and brokers connect buyers and sellers. They are contracted by either sellers or buyers to help them increase sales or find items to buy. Agents and brokers act on behalf of their clients.
Wholesalers and retailers take ownership of the goods they sell. They first buy the goods, which gives them title to the goods before selling to retailers or consumers. Agent and brokers do not buy goods. They look for buyers or sellers for their clients' merchandise.
On the first day of the year, while covered as an individual under the Standard Plan and using in-network doctors, Jackie broke her leg while skiing. She incurred the following bills: ambulance ride to hospital, emergency room services, X-Ray of her broken leg ($530) and outpatient surgery to repair the broken leg ($10,000). How much would Jackie pay out-of-pocket for her surgery?
Jackie will have to pay $8,700 out-of-pocket for her surgery.
What is Insurance?This is a means of protection of an individual or property from risks of financial loss, damage etc.
The Standard plan usually runs for 12 months and the out-of-pocket expenses for medical care aren't usually reimbursed by insurance companies. The out-of-pocket limit can't be more than $8,700 for individuals which was why it was chosen as the most appropriate choice.
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What are the 4 mixed economic systems?
A pure market economy, a pure command economy, a mixed economy, and a traditional economy are the four primary types of economic systems.
What does the mixed economic system mean?
An economy with components of both capitalism and socialism is referred to as a mixed economy. A mixed economy safeguards private property and allows for some economic flexibility in the use of capital, but it also allows for government involvement in the market to further social goals.
What is the ideal economic system?
The finest economic system is capitalism since it offers everybody in society a variety of advantages and chances. Creating money and innovation, enhancing people's lives, and empowering the populace are a few of these advantages.
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Explain how long-term profitability affects pricing.
Answer:
A price increase
Deals and promotions
Poor customer experiences
Innovation that delivers value
Explanation:
Ics provides a standardized approach to the command control and coordination of:.
ICS provides a standardized approach to the command control and coordination of On-scene emergency personnel.
What is ICS?ICS refers to the Incident Command System, which is a system that follows a standardized approach which provides control of emergency and common hierarchy hence, responders from the agencies could be more effective.
On- scene emergency which become vital part of the situation or activity and in this ICS offers a approach to the coordination and command of the emergency personnel.
Hence, ICS provides a standardized approach to the command control and coordination of On-scene emergency personnel.
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Name two things that can happen during a strong earthquake
Answer:
An earthquake damages buildings and land, Violent shaking from an earthquake collapses buildings, which causes the most deaths and casualties, and destroys power lines and ruptures natural gas supply lines, causing fires. Land can also collapse or pull apart, causing more buildings to fall
Explanation:
g00gle
an exchange or event that has a direct and measurable financial effect is?
A financial transaction is an exchange or event that has a direct and measurable financial effect, often involving the transfer of money, goods, or services between parties.
A financial transaction is a type of interaction between two or more parties that results in a transfer of assets, liabilities, or ownership rights. The transaction typically involves a transfer of money, goods, or services, with a clear exchange of value between the parties involved. Financial transactions can take many forms, from the purchase of a product or service, to a loan or investment, to the trade of securities. Regardless of the specific type of transaction, the most important characteristic of a financial transaction is that it must have a direct and measurable financial effect, either in the form of an increase or decrease in the value of assets, liabilities, or ownership rights. Financial transactions are crucial to the functioning of the global economy, as they allow for the flow of resources and value between individuals, businesses, and governments.
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Hargren Publishing offers its Accounting textbooks as e-texts through its online homework management system. Purchase of an access code provides the student with access to the e-text and online learning materials for six months. During that time, students have access to updates to the text and learning materials. Hargren should recognize revenue for purchases of access codes: _________
a. at the end of the six-month access period
b. when they occur.
c. over the six-month period during which the customer has access.
d. at the beginning of the semester In which the student will use the access code.
Hargren Publishing should recognize revenue for purchases of access codes over the six-month period during which the customer has access.An access code is the means through which the students access to the e-text and online learning materials. Option c is the correct answer.
Therefore, purchases of access codes can be compared to sales revenue because the students are purchasing the right to use the publisher's e-texts for six months. The students have access to the updates to the text and learning materials during that time.
As a result, Hargren Publishing should recognize revenue for purchases of access codes over the six-month period during which the customer has access because the students have access to the publisher's e-texts and learning materials during that period.
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please show work. i upvote!
In an engine, a piston oscillates with simple harmonic motion so that its position varies according to the expression x = 7.7 cos (12.7 t +-2.8) where x is in centimeters and t is in seconds. What is
We may compare the supplied expression with the accepted equation of simple harmonic motion to get the angular frequency and phase constant of the motion:
x = A cos(t plus )
The following values can be found in the formula x = 7.7 cos(12.7t 2.8), as given:
Intensity (A) = 7.7 cm
Angle frequency is equal to 12.7 rad/s.
Phase factor () = 2.8
The phase constant () denotes the beginning phase or displacement of the motion, while the angular frequency () denotes the speed at which the piston oscillates.
The piston oscillates in a positive direction because the angular frequency () is positive (12.7). Two possible values for the phase constant () correspond to two different beginning displacements: +2.8 and -2.8.
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Click to review the online content. Then answer the question(s) below, using complete sentences. Scroll down to view additional questions.
Online Content: Site 1
Explain why two employees at a company, earning the same gross pay, might have different net pays.
How are hourly and salaried gross pay calculated?
can anyone help me with my business assignment level 3 plss
Answer:
What's your assignment
Explanation:
I need to know the assignment so i can work on it
The NOI for a small income property is expected to be $154,800 for the first year. Financing will be based on a 1. 2 DCR applied to the first year NOI, will have a 10 percent interest rate, and will be amortized over 20 years with monthly payments. The NOI will increase 3 percent per year after the first year. The investor expects to hold the property for five years. The resale price is estimated by applying a 9 percent terminal capitalization rate to the sixth-year NOI. Investors require a 15 percent rate of return on equity (equity yield rate) for this type of property. Required: a. What is the present value of the equity interest in the property
The present value of the equity interest in the property is $570
To calculate the present value of the equity interest in the property, we need to determine the net operating income (NOI) for each year, discount them to present value, and then sum them up.
Step 1: Calculate the annual NOI for each year.
Year 1 NOI: $154,800
Year 2 NOI: $154,800 * 1.03 = $159,444
Year 3 NOI: $159,444 * 1.03 = $164,233
Year 4 NOI: $164,233 * 1.03 = $169,179
Year 5 NOI: $169,179 * 1.03 = $174,286
Step 2: Discount the NOI to present value using the equity yield rate.
PV Year 1: $154,800 / (1 + 0.15) = $134,608
PV Year 2: $159,444 / (1 + 0.15)^2 = $122,271
PV Year 3: $164,233 / (1 + 0.15)^3 = $112,825
PV Year 4: $169,179 / (1 + 0.15)^4 = $104,235
PV Year 5: $174,286 / (1 + 0.15)^5 = $96,442
Step 3: Calculate the present value of the equity interest by summing up the discounted values.
PV Equity Interest = PV Year 1 + PV Year 2 + PV Year 3 + PV Year 4 + PV Year 5
PV Equity Interest = $134,608 + $122,271 + $112,825 + $104,235 + $96,442
PV Equity Interest = $570,381
Therefore, the present value of the equity interest in the property is $570
To calculate the present value of the equity interest in the property, we need to determine the net operating income (NOI) for each year, discount them to present value, and then sum them up
Step 1: Calculate the annual NOI for each year.
Year 1 NOI: $154,800
Year 2 NOI: $154,800 * 1.03 = $159,444
Year 3 NOI: $159,444 * 1.03 = $164,233
Year 4 NOI: $164,233 * 1.03 = $169,179
Year 5 NOI: $169,179 * 1.03 = $174,286
Step 2: Discount the NOI to present value using the equity yield rate.
PV Year 1: $154,800 / (1 + 0.15) = $134,608
PV Year 2: $159,444 / (1 + 0.15)^2 = $122,271
PV Year 3: $164,233 / (1 + 0.15)^3 = $112,825
PV Year 4: $169,179 / (1 + 0.15)^4 = $104,235
PV Year 5: $174,286 / (1 + 0.15)^5 = $96,442
Step 3: Calculate the present value of the equity interest by summing up the discounted values.
PV Equity Interest = PV Year 1 + PV Year 2 + PV Year 3 + PV Year 4 + PV Year 5
PV Equity Interest = $134,608 + $122,271 + $112,825 + $104,235 + $96,442
PV Equity Interest = $570,381
Therefore, the present value of the equity interest in the property is $570
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project black swan requires an initial investment of $115,000. it has positive cash flows of $140,000 for each of the next two years. because of major demolition and environmental cleanup costs, cash flow for the third and final year of the project is $(170,000). if the company 's required rate of return is 12%, the project should be
Yes, the project Black Swan should be accepted.
The initial investment is $115,000, and it has positive cash flows of $140,000 for the next two years. However, the third and final year of the project has a negative cash flow of $(170,000).
Despite this, the overall present value of the project is still positive when discounted at the company's required rate of return of 12%. This means that the project will generate a return greater than the required rate and should therefore be accepted.
To calculate the present value, we first need to calculate the future value of the cash flows. The first two years of positive cash flows add up to $280,000, and the third year's negative cash flow of $(170,000) must be subtracted from that, yielding $110,000.
This figure can then be discounted back to the present value using the required rate of return of 12%. The result is a positive number, meaning that the present value of the project is greater than the initial investment, and the project should be accepted.
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What is the difference between needs, wants and demand
Needs are things that satisfy the basic requirement. Wants are requests directed to specific types of items. Demands are requests for specific products that the buyer is willing to and able to pay for.
Explanation:
:))
Suppose the supply of diamonds is relatively inelastic. A tax on diamonds would generate a.
Assume the diamond supply is largely inelastic. A tax on diamonds would result in a minimal deadweight loss, not a substantial one.
What is minimal deadweight loss?The cost of market inefficiency, which happens when supply and demand are out of balance, is known as a deadweight loss. Deadweight loss, a term primarily used in economics, refers to any deficit brought on by an ineffective resource allocation.Deadweight losses may result from price floors, such as minimum wage and living wage laws, price ceilings like price controls and rent controls, and taxation. The distribution of resources within a society may become ineffective with less trade.When supply and demand are out of equilibrium, a deadweight loss arises, which impairs the efficiency of the market. When items on the market are either overvalued or undervalued, market inefficiency results.Hence, Assume the diamond supply is largely inelastic. A tax on diamonds would result in a minimal deadweight loss, not a substantial one.
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the npv of an 8-year project is $1,250,000. if the marr is 12% per year, compounded quarterly, what is the annual worth of the project?
the npv of an 8-year project is $1,250,000. if the marr is 12% per year, compounded quarterly, $256483.14 is the annual worth of the project
What is NPV?The net present value (NPV) is the difference between the present value of cash inflows and outflows over a certain period of time. The profitability of an anticipated investment or project is examined using NPV in capital budgeting and investment planning.
The net present value of a project or investment indicates how much money it will make or lose in terms of today's money. Due to the influence of variables like inflation and lost compound interest, future cash flow does not accurately reflect current cash flow of a project, hence NPV is adjusted accordingly.
Given that,
NPV = $ 1250000
n=8 year
MARR = 12% per year compounded quarterly or 0.12
Effective annual interest rate = \((1+r/m)^m\)
where, r = nominal rate
m = compounding periods
So, putting the values we get -
Effective annual interest rate = \((1+0.12/4)^4\)
= 0.1255
= 12.55%
Annual worth (AW) = 1250000 (A/P, 12.55%, 8)
AW = 1250000 (0.20519)
AW = $256483.14
As, NPV is positive, thus AW is also positive.
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What does the video recommend if you notice a lot of fees appearing on
your statement?
When money is deposited into your account, a credit is recorded on your bank statement. A debit is recorded when money is withdrawn out of a bank account.
To be sure that all of the debits and credits on bank statement are legitimate and there are no unlawful transactions or errors, carefully review each debit and credit. This enables you to recognize any concerns with your money and communicate them to your bank as soon as possible.
According to the video, you should check to see if any fees on your statement seem weird or unlawful if you find a lot of them. You can check the fees and charges listed on your statement to make sure they are all accurate and pertinent to how your account is being used. You should ask your bank for more information if you have any doubts or queries about the fees.
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complete Question -
ASIC's Money Smart Top Tips on Checking Your Bank Statement Each month your bank will provide a hard copy or electronic version of your bank statement , which should list all of the transactions you’ve had since the last statement date. Watch this video for tips on how to read the statement .
Then, answer the questions
1- Complete the following sentence with either "debit" or "credit": When money is put into your account, it is listed on your statement as a credit When money is taken out of your account, it is listed as debit
2- Why should you look closely at all debits and credits?
3- What does the video recommend if you notice a lot of fees appearing on your statement ? Make sure none are unusual.
Two tech firms face the following payoff matrix as they decide upon the size of their research budget: - Tech Company 2
Large Budget Small Budget
Large Budget $35m $10m $45m $0
Tech Company 1 Small Budget $10m $5m $15m $8m
Where is the Nash equilibrium?
O [Large Budget, Large Budget]
O [Small Budget, Small Budget]
O [Large Budget, Small Budget]
O [Small Budget, Large Budget]
The Nash equilibrium in this payoff matrix is [Small Budget, Small Budget].
In a Nash equilibrium, neither player has an incentive to unilaterally change their strategy given the other player's strategy. In this case, both firms have the highest payoff when they choose the Small Budget strategy, as indicated by the payoffs of $5m for Tech Company 1 and $8m for Tech Company 2. If either firm were to unilaterally change to the Large Budget strategy, they would have a lower payoff compared to staying with the Small Budget strategy. Therefore, the Nash equilibrium occurs when both firms choose the Small Budget strategy. If both firms choose a Large Budget, Tech Company 1 receives $35m and Tech Company 2 receives $45m. However, if both firms choose a Small Budget, Tech Company 1 receives $5m and Tech Company 2 receives $8m. In this case, neither firm has an incentive to deviate from choosing a Small Budget because the payoff is higher than if they were to choose a Large Budget.
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How the business can use creative thinking to solve business problems
Explanation:
Creative thinking helps you to see opportunities in the marketplace or come up with a unique solution to a problem—and isn’t this the cornerstone of any business?
Creativity is key to innovation. When issues come up, you’ll be able to think of ways over, under, or through the roadblocks.
Creativity stimulates the brain and helps us to wake up and pay attention. Noticing more of what’s around us aids in developing novel approaches to help your business stand out.
Creative thinking helps you keep your business presence fresh. You’ll be able to constantly reinvent your business in order to stay in your customers’ awareness.
Creativity helps you shift your perception so you can better understand your customers’ point of view.
Creativity gives you a higher tolerance for risk—you’re used to working through fear of failure.
Creativity improves your leadership skills. Being an effective leader means being creative in your approach and problem-solving. When you have the capacity to let go of the outcome and be open to out-of-the-box thinking, you free your business team up for generating new ideas.
Creativity helps you to broaden your vision of what it means to be successful in your business—what it can offer to the world.
Creativity strengthens your resilience. When those inevitable stressful periods come up, you’re able to bounce back faster instead of getting derailed.
Creativity invites flow and feels good, and when you feel good, you attract your ideal customers and clients.
Can you creatively think of even more ways that creativity can help your business?
_____________ is an example of a process improvement technique.
Kaizen is an example of a process improvement technique.
Kaizen is a Japanese term that means "continuous improvement" and is widely used as a process improvement technique in various industries. It focuses on making incremental changes to processes and systems to enhance efficiency, quality, and overall performance.
The Kaizen approach involves engaging employees at all levels of an organization to identify areas for improvement, brainstorm ideas, and implement small, manageable changes. It emphasizes the importance of ongoing, gradual improvements rather than drastic or disruptive transformations. By encouraging a culture of continuous improvement, Kaizen aims to create a mindset of seeking opportunities for optimization and efficiency in all aspects of an organization's operations.
Kaizen utilizes various tools and methodologies such as value stream mapping, 5S (Sort, Set in Order, Shine, Standardize, Sustain), Kanban, and Poka-Yoke (error-proofing). These techniques help analyze processes, eliminate waste, streamline workflows, and improve overall productivity.
Overall, Kaizen is a systematic and collaborative approach to process improvement that empowers employees, fosters a culture of continuous learning, and drives incremental enhancements in efficiency, quality, and customer satisfaction.
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________ play an important role in matching supply and demand by providing consumers with a broad assortment of products in small quantities.
Intermediaries play an important role in matching supply and demand by providing consumers with a broad assortment of products in small quantities.
When goods are produced or manufactured by producers, there will be need to make those goods available to final consumers.
The intermediaries- Wholesalers and retailers buys these goods from the producers and make them available to final consumers in small quantities.
By making the goods available to consumers, the intermediaries are playing important role in matching supply and demand by providing consumers with a broad assortment of products in small quantities.
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dto, incorporated, has sales of $42 million, total assets of $24 million, and total debt of $8 million. a. if the profit margin is 7 percent, what is the net income?
If the profit margin is 7 percent, the net income is is $2.94 million. A company's net income can be calculated by multiplying sales by profit margin. The company's revenue is $42 million and the profit margin is 7%.
By multiplying these two numbers, we can calculate the company's net income, which is $2.94 million. This calculation is important for determining the profitability of the business and for evaluating the performance of the business over time. It is also an important factor in determining the amount of taxes a company must pay.
It can be calculated as :
Net Income = Sales x Profit Margin
Net Income = $42 million x 0.07
Net Income = $2.94 million
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Deciding which car to buy requires thinking; critical thinking, however, involves considering multiple choice how to finance the car. whether it would be a more environmentally sound choice to ride a bike. whether you have good reasons for choosing a particular car. whether you need a car at all.
Answer:
whether you have good reasons for choosing a particular car.
Explanation:
When deciding which car to buy, it is necessary for an individual to adopt critical thinking in order to decide what are the reasons that will lead him to choose a particular car.
Critical thinking will help to identify whether the features and benefits of a car model are aligned with issues relevant to the consumer, such as price, costs, design, style, etc.
The consumer when deciding to buy something goes through different stages in the purchase decision process, which is identifying needs, searching for information on solutions to their problem, analyzing the available options and purchasing. By following these steps, it is possible to develop critical thinking that will lead the consumer to make an accurate and effective purchase to satisfy their needs and desires.
How much will $200 in new spending change equilibrium income if the marginal propensity to save is 0.2
Answer:
$250
Explanation:
1/MPS=1/(1-0.02)=1.25; 1.25x$200= $250
Many in the advertising industry are calling for the use of ______, an accountability-based measure of success.
Every business venture often have Return on investment (ROI) Many in the advertising industry are calling for the use of ROI, an accountability-based measure of success.
Return on investment (ROI) is simply known to be a performance measure that is often used by firms to evaluate the efficiency or profitability of their investment or they often use it to compare the efficiency of the number of different investments that they are engaged in.
To calculate ROI, use the benefit (or return) of an investment and divide it by the cost of the investment.
Conclusively, When you invest your money in mutual funds, the return on investment often makes you too know the gain from your mutual fund schemes.
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What is the term for the relationship between printer and paper?
Answer: an analogy i think printer is to paper as is pen is to ink
Explanation: one depends on the other