What three things are necessary in order to create consistently relevant marketing messages?
Answers
To create consistently relevant marketing messages, it is necessary to understand your target audience, align with your brand positioning, and keep up with market trends and changes.
To create consistently relevant marketing messages, there are three key things that are necessary:
1. Understanding your target audience: In order to create relevant marketing messages, it is crucial to have a deep understanding of your target audience. This includes knowing their demographics, interests, needs, and preferences. Conduct market research, analyze data, and gather insights to gain a clear understanding of who your audience is and what resonates with them.
2. Aligning with your brand positioning: Your marketing messages should align with your brand positioning. This means that your messaging should reflect your brand's unique value proposition, key messages, and positioning in the market. Consistency in your brand voice, tone, and messaging helps to build brand recognition and trust among your audience.
3. Keeping up with market trends and changes: Markets are dynamic and constantly evolving. To create consistently relevant marketing messages, it is essential to stay updated with the latest market trends, consumer behavior, and industry changes. Monitor industry publications, competitor activities, and customer feedback to ensure that your messaging remains relevant and addresses the evolving needs and preferences of your target audience.
In summary, three things that are necessary to create consistently relevant marketing messages are understanding your target audience, aligning with your brand positioning, and keeping up with market trends and changes.
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Related Questions
Why does the government oversee the provision of public goods?
Public goods are goods and services that tend to result in negative externalities; therefore, the government must oversee that the provision of these goods and services is limited.
Public goods are goods and services that tend to result in negative externalities; therefore, the government must oversee that the provision of these goods and services is limited.
Public goods are goods and services that are non-excludable and rivalrous. The government must oversee the fair distribution of these goods; otherwise, they would be distributed on a first-come, first-serve basis.
Public goods are goods and services that are non-excludable and rivalrous. The government must oversee the fair distribution of these goods; otherwise, they would be distributed on a first-come, first-serve basis.
Public goods are goods and services that are non-excludable and non-rivalrous; therefore, it is not profitable or in the best interest of private businesses to provide these goods.
Public goods are goods and services that are non-excludable and non-rivalrous; therefore, it is not profitable or in the best interest of private businesses to provide these goods.
Public goods and services require resources in production that are scarce; therefore, the government must ensure that production is limited.
Answers
The reason why public goods are provided by the government is C. Public goods are goods and services that are non-excludable and non-rivalrous; therefore, it is not profitable or in the best interest of private businesses to provide these goods.
A public good simply means the good that is beneficial to everyone in the society. It's non-excludable and non-rivalrous. e.g electricity, water, sewage disposal, etc.
Public goods are goods and services that are non-excludable and non-rivalrous; therefore, it is not profitable or in the best interest of private businesses to provide these goods. They're usually provided to meet the needs of the people and not for profit motive.
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Answer:
Public goods are goods and services that are non-excludable and non-rivalrous; therefore, it is not profitable or in the best interest of private businesses to provide these goods.
Explanation:
The guy above me is also correct, pls give him credit. The test said it was correct.
1. A freelancer's pay may vary from year to year.
A. True
B. False
2. How many years after the debut did it take for the number of users to quadruple?
A. 1 years
B. 2 years
C. 3 years
D. 4 years
3. A document that tracks a company's income and expenses is referred to as
A. An income sheet.
B. A balance sheet.
C. A purchase order.
D. A budget.
4. The internet has created a new market for companies.
A. True
B. False
Answers
The given statements are 1. True 2. Option B i.e. 2 years 3. Option B i.e. Balance sheet and D. True.
1. True - A freelancer's pay may vary from year to year depending on factors such as demand for their services, the amount of work they take on, and their level of experience and expertise.
2. B. 2 years - The question is incomplete and does not provide information on what debut is being referred to. Without this context, the answer cannot be accurately determined.
3. B. A balance sheet - A document that tracks a company's income and expenses is referred to as a balance sheet. An income sheet (also known as an income statement or profit and loss statement) shows a company's revenues and expenses over a specific period, while a purchase order is a document used to request goods or services from a supplier, and a budget is a plan for a company's financial future.
4. True - The internet has created a new market for companies, as it provides opportunities for businesses to reach a wider audience and connect with customers from all over the world. This has led to the emergence of new industries and business models, such as e-commerce and online advertising.
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Rocky Point Brewery (RPB) filed an initial public offering in January 2018. RPB engaged Olsen & Alain, CPAs, (O&A) in 2015 to keep the books and prepare monthly and annual financial statements (while the company was privately held), and terminated those services in December 2018. Under SEC and PCAOB rules, could RPB engage O&A to be their auditors now that it is a public company? a. Yes, because the prohibited nonaudit services were performed before the period of professional engagement. b. Yes, but only if O&A rescinds any indemnification language existing in their nonaudit engagement letters. c. No, because the prohibited nonaudit services were performed during the period covered by the financial statements. d. No, but only if the fees O&A received from these engagements exceeded five percent of the firm's annual revenues.
Answers
Answer: No, because the prohibited non-audit services were performed during the period covered by the financial statements.
Explanation:
The aim of the Securities and Exchange Commission is to protect the investors and also maintain a fair, and an efficient market.
We should note that Under SEC and PCAOB rules, RPB cannot engage O&A to be their auditors now that it is a public company because the prohibited non-audit services were performed during the period covered by the financial statements.
a firm that provides substantial profits to its owner is called a(n): a. lifestyle business. b. attractive small firm. c. high-potential venture. d. franchise.
Answers
A firm that provides substantial profits to its owner is called a(n): attractive small firm.
In this case option b is correct
A small company that generates significant profits for its owner and typically has fewer than 500 employees is said to be attractive. These companies are appealing because they produce healthy profits without necessitating a sizable capital investment.
On the other hand, a lifestyle business is one that's primarily intended to support the owner's lifestyle rather than producing sizable profits or growth.
A high-potential venture is a company with the potential for significant profits and rapid growth, usually requiring a sizable capital investment.
A franchise is a type of business arrangement whereby a franchisor charges a franchisee a fee in exchange for granting them access to its brand, goods, and operational procedures. Utilizing the franchisor's systems and tools, the franchisee runs a business.
In this case option b is correct
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Jared had studied extremely hard for his math test and believed he had understood the material and memorized the formulas. As he entered the classroom and sat at his desk, he began to worry. He was fearful that he had not prepared enough to do well on the test. The tests were passed out, and he turned his over to begin. As he read the first question, he panicked and his mind went blank. He had a classic case of test anxiety. Which of Jared’s anxiety reactions was physical? He panicked. He began to worry. He was fearful. His mind went blank.
Answers
Answer:
He began to worry.vvv
Explanation:
Answer:
"(A)" not 100% percent sure but I'm 99.9 percent sure it's right because I am very confident in my decision
Explanation:
tell me in the comments if it's right, if it's wrong I'll change my answer as soon I notice but please don't hate because this is what I think
According to the U.S. Department of Labor, the average American has had how many jobs before the age of 32? a. four b. at least eight c. three or fewer d. one or two
Answers
Answer:
b. at least eight
Explanation:
According to data from the US Bureau of Labor Statistics released in May 2020, an average American has had 8.2 jobs before the age of 32. here is an extract
"--Individuals held an average of 8.2 jobs from ages 18 through 32, with over half of these jobs being held between the ages of 18 and 22".
Answer:
B at least eight
Explanation:
Section 5.5 in the textbook provides a definition of "ethics" and "corporate culture". Do you believe that unethical decisions made by managers and employees could be due to the company's corporate culture or a few thousand “bad apples?”
Answers
The entire organization is corrupted. Actually, while a few thousand apples may not be corrupt, the vast majority are. This includes upper management, which is likely the most corrupt.
The organization's culture is its heart, and it acts as the glue that holds everything together. The issue is that when the culture or core of an organization is unreasonable, the rest of the organization is contaminated.
I believe that the culture of an organization is its own soul. I believe that both organizations and people are good by nature, but a series of bad events can turn good into evil.
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display ads lets advertisers upload their own ads to the system, allowing advertisers greater control over the look and feel of their messaging. what are the two types of uploaded ads?
Answers
Advertisers upload their own ads to the system, allowing advertisers greater control over the look and feel of their messaging these are AMPHTML ads and image ads type of ads.
image adsThere are several examples of image advertising that we see in our daily lives. Many may be seen on large billboards placed near roads. Some examples include Honda, Mac, Bacardi, and Adidas, as well as Quit Smoking.
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partan credit bank is offering 8.3 percent compounded daily on its savings accounts. you deposit $7,500 today. a. how much will you have in the account in 5 years?
Answers
You will have in the account in 5 years is $13,115.03
Account value is calculated with the formula below:
Value = Initial investment x (1 + interest rate)^n
where, interest rate = 8.3%/365
interest rate = 0.022740%
interest rate = 0.0002274
n = number of years x 365
Initial investment = $7500
a. We have to determine how much you will have in the account in 5 years.
Account value in 5 years = 7500 x (1.0002274)^1825
where n = 5 x 365 = 1825
Account value in 5 years = 7500 x 1.514307
Account value in 5 years = 11,357.30151
Account value in 5 years is $11,357.30
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Why aren't there zoning laws to regulate fast food outlets on the poor side of 9th St., or enterprise zones to build businesses, or better transportation, or more mixed income housing?
Answers
This happens because the fast food outlets and enterprise zones to build businesses cannot come under the same area, according to the zoning law.
Zoning is an urban planning technique in which a municipality or other level of authority divides a region of land into "zones," each of which has different rules for new construction from other zones.
Zoning laws are particular rules and guidelines for areas of land that have been set apart as "zones" by the state or a local government. A zoning law, often known as a zoning ordinance, establishes the permitted uses of land for real estate located inside zoning districts.
Thus, This happens because the fast food outlets and enterprise zones to build businesses cannot come under the same area.
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the following unausted account balances at December 31, 2001. Total Sales of $511,000, Accounts Receivable of $305,000 and the afowance was estat the Sotal Account Receivable The Allowance for Doubitul Accounts had a credit balance of $7.200, before the estimate was made Required: Prepare the adjusting journal entry to record bad debts expense for 2021.
Answers
The adjusting journal entry to record the bad debts expense for 2021 would involve debiting the Bad Debts Expense account for an amount determined by applying the estimated bad debts percentage to the total sales.
To record the bad debts expense for 2021 based on the given information, the adjusting journal entry would be as follows:
Debit: Bad Debts Expense ($511,000 x Estimated Bad Debts Percentage)
Credit: Allowance for Doubtful Accounts
To determine the bad debts expense for 2021, we need to apply the estimated bad debts percentage to the total sales. However, the percentage is not provided in the given information, so we cannot calculate the exact amount.
The credit balance of the Allowance for Doubtful Accounts before the estimate was made is $7,200. Therefore, we need to credit this amount to reduce the balance.
The adjusting journal entry to record the bad debts expense for 2021 would involve debiting the Bad Debts Expense account for an amount determined by applying the estimated bad debts percentage to the total sales. The Allowance for Doubtful Accounts would be credited to reduce its balance. However, without the specific estimated bad debts percentage, we cannot provide the exact calculation for the entry.
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which economic advantage does eastern europe enjoy because of its location next to russia?
Answers
Which of the following is true about certified public accountants (CPAs)?
O A. CPAs work for government agencies and corporations.
B. CPAs only work in the public sector.
C. CPAs only work in the private sector.
O D. CPAs work for small businesses but not large businesses.
Answers
Answer:
A. CPAs work for government agencies and corporations.
Explanation:
Certified public accountant (CPA) is the title for skilled, competent, and professionally trained accounts. Accountants play a significant role in any organization's success, be it a business-oriented, government institution, or not-for-profit organization. Employers seek and employ qualified and certified accountants to work in their organizations.
Both the public and private sector engage the services of certified account to take charge of accounting and financial management. The objective is to ensure that financial transactions are recorded correctly, and the financial statement reflects the true picture of the organization as per the generally accepted accounting principles.
Which of the following accounts would not
use T-Accounts?
A. Shareholder's Capital
B. Cash
C. Dividends Payable
D. None of the Above
Answers
I believe the answer is c.
Explanation:
I did some research
what do you pore first the cereal or the milk? True or false.
Answers
If you are truly committed to creating a lifelong learning habit, how can you ensure you are remaining focused on developing this habit? Select an answer: You understand that just because something is interesting, it does not mean you are actually committed to learning. You limit your learning to the area you work in; otherwise you are not truly learning. You have a weekly check-in where you ask yourself what interesting things you have learned over the week. You plan your learning; if you do not, then you are not truly committed to learning.
Answers
Answer:
You plan your learning; if you do not, then you are not truly committed to learning.
Explanation:
A lifelong learning habit requires planning and commitment. Even if the habit pleases you and it is easy to carry out the tasks necessary to learn, there is a need for planning that includes the necessary goals and objectives so that there is the necessary learning that becomes a positive habit.
It is necessary to stipulate in the planning the details of how the learning will take place, including time, schedules, tasks, etc., that is, the more detailed and specific your planning is, the greater the probability of the commitment to grow and there will be learning for life , indeed.
why would you write an inquiry to a company? (1 point)
2. why would you write a complaint to a company? (1 point)
3. why is it important to send a cover letter with a resume? (1 point)
4. what would you include in a request for a company to sponsor your sports team? (1 point)
5. what would you include in an apology for missing an appointment? (1 point
Answers
Writing an inquiry to a company is a way to ask for information, clarification, or details about a product, service, or company policy.
For example, if you are interested in purchasing a product but have some questions about its features, availability, or pricing, you can write an inquiry to the company to get more information. 2 - Writing a complaint to a company is a way to express dissatisfaction or disappointment with a product, service, or company action.
If you have received a faulty or damaged product, experienced poor customer service, or face any other issue that has caused inconvenience or harm, you can write a complaint to the company to seek resolution or compensation.
3 - Sending a cover letter with a resume is important because it provides a brief introduction to the candidate and highlights their key qualifications and achievements. A cover letter can explain why the candidate is interested in the job, how their skills and experiences match the job requirements, and what they can bring to the company.
4 - In a request for a company to sponsor your sports team, you would include information about the team, such as its name, location, size, and achievements. You would also explain why you are seeking sponsorship, what benefits the company can gain from sponsoring the team, and what sponsorship packages or options are available.
5 - In an apology for missing an appointment, you would express regret and take responsibility for the mistake. You would explain the reason for missing the appointment, such as an emergency, a misunderstanding, or a scheduling conflict, and express empathy for any inconvenience or disappointment caused. You would offer a sincere apology and suggest a way to make up for the missed appointment, such as rescheduling, offering a discount or compensation, or providing extra services or support.
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Who is the major owner of NBC?
Answers
Answer: The major owner of NBC is Comcast Corporation. The owner of Comcast Corporation is Brian L. Roberts.
Explanation:
(NBC), a major commercial broadcasting company based in the United States, has been the television division of NBCUniversal, which is owned by the Comcast Corporation, since 2004.
Who owns NBC's majority stake?By purchasing shares from GE in 2011 while GE acquired Vivendi, Comcast gained 51 percent control of the newly formed NBCUniversal and, as a result, control of the company. Comcast has owned the company entirely since 2013, when it acquired GE's ownership stake.
Comcast owns NBCUniversal Media, LLC, an American multinational entertainment and mass media conglomerate with its headquarters at 30 Rockefeller Plaza in Midtown Manhattan, New York City, USA.
The media and entertainment industries comprise the majority of NBCUniversal's activities. The National Broadcasting Company (NBC), one of the Big Three television networks in the United States, and the major Hollywood film studio Universal Pictures are the names of the company's two most important divisions. Through a portfolio of domestic and international properties, including USA, Syfy, Bravo, and E!, it also has a significant presence in broadcasting. Universal Kids, Peacock, and Telemundo (Spanish) are streaming services. NBCUniversal is also the third-largest operator of amusement parks worldwide through its Universal Parks & Resorts division. Since 2018, Sky Group Limited, its sister company under the control of Comcast, has held its media and telecommunications assets.
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1. Workplaces that grow plants, such as farms, nurseries, greenhouses,
gardens, and parks are part of
Plant Systems
Animal Systems
Food Products & Processing Systems
Environmental Service Systems
Answers
Answer:
Plant Systems
Explanation:
The plant system entails the science of how plants grow. It is the study of the different types of plants and how they impact our world. Gardens, farms, nurseries, greenhouses, and parks also form part of the plant's system.
Plant Systems specialists help feed the nation by monitoring our plant food quality and safety. They provide information that aids consumers in making sensible nutritional decisions.
Jack's manufacture company have experienced inflation for the past three years as follows: the first year's periodic inflation rate is 3%, and the second year's periodic inflation rate is 4%. The average inflation rate for the 3-year period is 5%. What is the periodic inflation rate for the third year?
Answers
Answer:
8.09%
Explanation:
Year Inflation rate 1 + Inflation rate
1 0.03 1.03
2 0.04 1.04
3 x 1+x
Average rate 0.05 0.05
1 + Average rate = [(1+r1)*(1+r2)*(1+r3)]^(1/3)
1.05 = [1.03*1.04*(1*x)]^(1/3)
[1.0712*(1+x)] = (1.05)^3
[1.0712*(1+x)] = 1.157625
1 + x = 1.157625 / 1.0712
1 + x = 1.080681
x = 1.080681 - 1
x = 0.080681
x = 8.09%
Thus, the periodic Inflation rate in year 3 is 8.09%
When accountants are not independent, which of the following reports can they issue: Multiple Choice 1.examination report on a financlal forecast. 2.standard unmodifled audit report on historical financial statements. 3.examination of internal control over financial reporting for an issuer. 4.compilation report on historical financial statements.
Answers
When accountants are not independent, the report they issue is typically a compilation report on historical financial statements.
It is one of the four types of reports that auditors issue, along with the standard unmodified audit report, examination report on a financial forecast, and examination of internal control over financial reporting for an issuer.Audit reports are issued by independent auditors who have no ties to the company they're auditing. This is essential because it establishes credibility and objectivity in their reports.
Independence implies that the auditor is impartial and can provide a fair and honest opinion on the accuracy of the financial statements.However, if accountants aren't independent, the report they issue may be influenced by the connections they have with the company, which may make their report less reliable. Compilation reports on historical financial statements are typically issued by accountants who aren't independent.
A compilation report is a report that includes financial statements prepared by a company's management. The accountant's role in this scenario is to arrange the financial data into a format that complies with the generally accepted accounting principles (GAAP) or other accounting standards.The report itself doesn't have any assurance and doesn't give an opinion on the accuracy of the financial statements. It simply says that the financial statements have been compiled in accordance with GAAP.
The accountant's lack of independence means that their report doesn't have the same credibility as an independent auditor's report. It is critical to understand the importance of independence in the auditing process, as it ensures that the information provided in the report is trustworthy and unbiased.
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What is the structure of Public corporation
Answers
Public corporate structures are managed by a board of directors. The members of the board are from all walks of industry and commerce. The chairmen of these corporations are appointed by the government. The entire capital is financed by the government.
A restaurant that serves $1400 a day in meals to 140 customers with an average cost of goods sold per unit at $7.00.
What is the average unit of sale for this business?
Answers
Answer:
=$10
Explanation:
The average unit of sales will the total serves per day divided by the total number of customers.
= $1400/140
=$10
The average unit of sale is $10
Which of the following are NOT cyclical indicators?
coincident indicators
lagging indicators
leading indicators
diffusion indicators
Answers
Diffusion indicators are NOT cyclical indicators because they do not directly measure the ups and downs of economic cycles.
Diffusion indicators are used to assess the overall strength or weakness of a particular economic activity. They provide a broader perspective by looking at the diffusion of trends rather than focusing on the timing or direction of the business cycle. For example, a diffusion indicator may measure the percentage of industries experiencing a rise in employment or the proportion of regions reporting increased business investment.
Unlike leading, lagging, and coincident indicators, diffusion indicators do not provide direct insights into the future direction or phase of the business cycle. Instead, they offer a snapshot of the current state of an economic phenomenon across various sectors or regions.
Diffusion indicators are widely used in economic analysis to gauge the extent of an economic phenomenon. They help policymakers, researchers, and analysts understand the breadth of a trend or condition. By looking at the diffusion of an indicator, they can assess whether a particular economic phenomenon is widespread or concentrated in specific sectors or regions. This information is valuable for identifying potential strengths and weaknesses in the economy and informing policy decisions.
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The monopolist produces an output that is __________ the perfectly competitive industry would produce.
Answers
Answer:
charge more than a firm in a competitive market. to to Monopoly Production:
Which of the following gives the correct order of the first three steps in the accounting cycle? A) Post-closing trial balance, adjusting entries, closing entries B) Closing entries, post-closing trial balance, adjusting entries C) Adjusting entries, closing entries, post-closing trial balance D) Closing entries, adjusting entries, post-closing trial balance
Answers
The correct order of the first three steps in the accounting cycle is: C) Adjusting entries, closing entries, post-closing trial balance.
The first step in the accounting cycle is to record adjusting entries to update the accounts for any accruals, deferrals, or other items that need to be recognized at the end of the accounting period.The second step is to record closing entries to transfer the balances of temporary accounts (such as revenue and expenses) to the retained earnings account in order to reset the balances of these accounts to zero for the next accounting period.The third step is to prepare a post-closing trial balance to ensure that the accounts are in balance after the closing entries have been recorded.Therefore, the correct answer is C) Adjusting entries, closing entries, post-closing trial balance.
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what is a sub agent in texas real estate
Answers
In Texas real estate, a sub-agent is a real estate agent who works with a buyer or seller but represents the opposite party in a transaction.
This means that the sub-agent owes a fiduciary duty to the opposite party and not to the client they are working with.
For example, if a buyer hires an agent to help them find a home, the agent may work with a seller's agent who is representing the seller in the transaction. In this case, the buyer's agent becomes a sub-agent of the seller's agent and owes a fiduciary duty to the seller.
Sub-agents are commonly used in real estate transactions where the seller has already hired a listing agent to market their property. In this scenario, the listing agent will often offer to work with other agents who represent buyers in order to facilitate the sale of the property.
These buyer agents become sub-agents of the listing agent and owe a fiduciary duty to the seller.
It is important for buyers and sellers to understand the role of sub-agents in a real estate transaction. While sub-agents are obligated to treat all parties fairly, they cannot provide advice or advocate for one party over another.
To ensure that their interests are fully represented, buyers and sellers may want to consider hiring their own agent to exclusively represent them in the transaction.
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A box containing a total of 179 copies of two different paperback books was shipped to Marci’s school. The total weight of the books was 128 pounds. If the weight of each of the first paperbacks was Two-thirds of a pound and the weight of each of the second paperbacks was Three-fourths of a pound, which statements are true? Check all that apply.
The system of equations is x + y = 179 and Two-thirds x + three-fourths y = 128.
The system of equations is x + y = 128 and Two-thirds x + three-fourths y = 179.
To eliminate the x-variable from the equations, you can multiply the equation with the fractions by 3 and leave the other equation as it is.
To eliminate the y-variable from the equations, you can multiply the equation with the fractions by –4 and multiply the other equation by 3.
There are 104 copies of one book and 24 copies of the other.
Answers
The statements that are true are:
The system of equations is x + y = 179 and Two-thirds x + three-fourths y = 128.
The first statement correctly represents the system of equations that can be used to solve the problem. x represents the number of copies of the first paperback book, y represents the number of copies of the second paperback book, and the equations reflect the total number of copies and their respective weights.
To eliminate the x-variable from the equations, you can multiply the equation with the fractions by 3 and leave the other equation as it is.
This statement is true. To eliminate the x-variable, you can multiply the equation Two-thirds x + three-fourths y = 128 by 3, which results in 2x + (9/4)y = 384.
To eliminate the y-variable from the equations, you can multiply the equation with the fractions by –4 and multiply the other equation by 3.
This statement is also true. To eliminate the y-variable, you can multiply the equation Two-thirds x + three-fourths y = 128 by -4, which gives you (-8/3)x - 3y = -512. Multiplying the equation x + y = 179 by 3 gives you 3x + 3y = 537.
The statement "There are 104 copies of one book and 24 copies of the other" is not necessarily true. The solution to the system of equations will provide the values of x and y, which represent the number of copies of each book. Without solving the equations, we cannot determine the specific quantities.
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Which 4 statements regarding the chart of accounts are true for Quickbooks Online
Answers
The following are the four correct statements about the chart of accounts in QuickBooks Online:
1. A chart of accounts is a list of accounts that classify transactions in the accounting software. These accounts make it easier to classify and organize transactions.
2. In QuickBooks Online, the chart of accounts is located in the settings, under the "Chart of Accounts" tab.
3. QuickBooks Online allows users to customize the chart of accounts to meet their company's specific needs. They may edit or delete accounts as needed.
4. Accounts can be added to the chart of accounts in QuickBooks Online, and they can also be made inactive or active as necessary.
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After income tax is paid by a
corporation, what percentage of
the remaining profit is paid as the
dividend tax?
A. 30%
C. 15%
B. 5%
D. 10%
Answers
Answer:
option C
Explanation:
the general rate of dividend is 15%