Answer:
Promotional salespeople.
Explanation:
The type of sales personnel that focuses on promoting products or services, but typically does not try to directly obtain sales orders is called promotional salespeople.
True or False - Inflation must be considered when planning for retirement
True - Inflation should be considered when planning for retirement. Inflation is the increase in the general level of prices of goods and services over a period of time.
The effects of inflation can be significant, especially over the long term, and can erode the purchasing power of savings and investments. This means that the same amount of money will buy fewer goods and services over time, leading to a decrease in the standard of living. When planning for retirement, it is important to consider the effects of inflation on the cost of living and the need for a retirement savings plan that will keep pace with inflation. Failure to account for inflation in retirement planning could result in a shortfall in savings, leading to a reduced standard of living during retirement.
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Only the offeree to whom an offer is directed can accept the offer.
a. true
b. false
False. Only the offeree to whom an offer is directed can accept the offer.
In general, an offer can be accepted by the offeree to whom the offer is directed. However, there are certain circumstances where an offer can be accepted by a third party if the offer allows for such acceptance. This is known as an "offer to the world" or "offer to the public." In such cases, anyone who meets the specified conditions of the offer can accept it. Additionally, there are situations where an offer can be accepted through an authorized agent or representative of the offeree. The acceptance is still considered valid even if it is not the offeree personally who accepts the offer. It's important to note that contract law can vary depending on the jurisdiction and specific contractual terms. Therefore, it is advisable to consult the applicable laws and seek legal advice for specific cases.
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Can someone please help me with this
Assignment 4R
(20 points)
Assignment 4R: Career Development
Instructions
Save this file in your course folder, and name it with Assignment, the assignment letter, the section number, and your first initial and last name. For example, Jessie Robinson's assignment 1R for Section 1 would be named Assignment1RJRobinson.
Type the answers to the assignment questions below. Use complete sentences unless the question says otherwise. You will have more than one day to complete an assignment. At the end of each day, be sure to save your progress.
Review Lesson 4 of the Course Overview for instructions about turning in your assignments.
Assignment Questions
In Section 4, you learned about career development. Now, you'll apply what you learned.
1. Describe an example of a task that it might make sense for a company to outsource. (1-2 sentences. 2.0 points)
2. Describe three things that you think are important for a company to include in its personnel policies. (1-3 sentences. 1.5 points)
3. Describe at least three pieces of information you would include when writing a job description. (1-3 sentences. 1.5 points)
4. Describe two methods you would use to find potential employees if you were in charge of advertising a job for a company. Explain why you would use these methods for advertising the job. (1-2 sentences. 3.0 points)
5. Describe at least two methods you would use to identify job opportunities if you were looking for a job. Explain why you would use these methods for job seeking. (1-2 sentences. 3.0 points)
6. Write your answers to at least three of the Lesson 2 questions on the What You Want from Your Life page. (1-3 sentences. 3.0 points)
TIP: Separately, you can write out a vision statement for yourself. Since it's personal, you don't have to turn in your vision statement, but you should turn in your answers to at least three of the questions about what you want from your life.
7. Describe a career you would like to have, and explain how you could get started and then advance in that career. (1-3 sentences. 3.0 points)
8. Which part of the online job application was easiest for you to complete? Which section was the most difficult? Give at least one example of work experience, education, or special skills that you included in the application. (2-5 sentences. 3.0 points) CAUTION: To protect your privacy, make sure you don't list the names of specific places where you've worked or gone to school.
Answer:
1. Describe an example of a task that it might make sense for a company to outsource. (1-2 sentences. 2.0 points)
Customer support, also known as phone support, is the best example of a task that makes a lot of sense to outsource in a corporation. Even if the costs can be large, there are several parts where hiring, having office space and training, and paying taxes on support representatives are not. It makes sense because it is the most effective way to outsource a business to provide a better service to the customer..2. Describe three things that you think are important for a company to include in its personnel policies. (1-3 sentences. 1.5 points)
Human resources professionals are responsible for keeping personnel policies for the organizations for which they operate up to date. These policies regulate how a company is run, from recruiting and firing to sexual harassment and other types of workplace discrimination.New workers are given personnel policies to study, and they are often asked to sign a statement stating that they have reviewed and understand the policies. Policies and processes differ from one organization to the next, but some elements are shared.3. Describe at least three pieces of information you would include when writing a job description. (1-3 sentences. 1.5 points)
Where they live, where they came from, and who to contact if anything bad happens are all mentioned under the heading details.Workplace Environment: Be aware of what is going on around you and ensure that it is secure for employees.They should have three or four skills: Being willing to complete the job that has been assigned to them.4. Describe two methods you would use to find potential employees if you were in charge of advertising a job for a company. Explain why you would use these methods for advertising the job. (1-2 sentences. 3.0 points)
I would recruit for attitude and then train for skills using employee referral systems. When it comes to hiring, the employees can be a reliable source of information. They have acquaintances and colleagues who work in the same area. Create a policy that allows employees to refer qualified applicants for open positions within the organization. Since skills can be learned, a smart recruiter can look for attitude when hiring workers. The best applicant should have a positive attitude about a job that requires the necessary skills, which is difficult to come by in most cases. As a recruiter, the approach to use here is to find someone who has a good attitude about a work advertisement.true or false? group insurance is a type of private insurance that anticipates a large group of individuals will purchase insurance through their employer and the risk is spread among those paying individuals.\
This is untrue; group insurance is a form of private insurance that assumes a sizable number of people will purchase insurance through their employer, distributing the risk among those paying individuals.
The majority of people have some sort of insurance, whether it is for their life, their home, or their car. However, the majority of us don't really take insurance the time to consider what insurance is or how it risk operates.
Simply put, insurance is a contract, represented by a policy, under which a policyholder receives monetary protection or payment from an insurance firm against losses. To make payments more manageable for risk the insured, the company pools the risks of its clients.
Insurance policies are used as a hedge against the risk of monetary losses, both large and minor, that may arise from harm to the insured or their insurance property, or from liability for damage or injury given to a third party.
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What is one difference between common and preferred stock?
A. Common stockholders receive higher dividends than preferred
stockholders,
B. Holders of common stock are paid off sooner than holders of
preferred stock if the business goes bankrupt.
C. Common stock costs more than preferred stock
D. Common stock value can appreciate more than preferred stock.
Answer:
C. Common stock costs more than preferred stock
Explanation:
An institution that originates and holds a fixed-rate mortgage is adversely affected by _________ interest rates; the borrower who was provided the mortgage is adversely affected by _________ interest rates.
An institution that originates and holds a fixed-rate mortgage is adversely affected by increasing interest rates; the borrower who was provided the mortgage is adversely affected by decreasing interest rates.
If interest rates increase, the value of the fixed-rate mortgage held by the institution decreases because the interest rate on the mortgage is lower than the prevailing market interest rate.
As a result, the institution earns a lower return on the mortgage.
On the other hand, if interest rates decrease, the borrower who took out the fixed-rate mortgage may refinance the loan at a lower interest rate, leaving the institution with a lower return than expected on the mortgage.
This is because the institution will receive fewer interest payments over the life of the loan.
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Which of the following are signs of a person being in credit distress?
A. Writing a check to make debt repayment
B. Making all debt repayments in full
C. Only making minimum payments on credit cards each month
D. Paying-off an automobile loan 12 months early
Only making minimum payments on credit cards each month.
What's a distressed borrower?A distressed borrower is a borrower who is unable to completely repay their debt on time, due to economic difficulties. A distressed borrower can be both someone or an enterprise whose profits fall because of unexpected circumstances.
What takes place in monetary distress?Monetary misery is a condition wherein an agency or man or woman can not generate sufficient revenues or profits, making it unable to fulfill or pay its monetary obligations. That is generally because of high fixed costs, a big diploma of illiquid property, or sales sensitive to financial downturns.
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What is the total interest on a 10-year 6. 1% loan with a principal of $32,000? (round monthly payment calculations to 2 decimal places. ).
For instance, the interest on a $30,000, three year credit at 6% is $2,856.The same loan—$30,000 at 6% interest rate—would cost $5,797 in interest over 72 months to repay.
How is the 6% loan interest calculated?
Divide 0.06 by 12 to get 0.005, which you would get if you made monthly payments and had an interest rate of 6%. To determine the amount of interest you will pay in that month, multiply that number by the balance on your remaining loan.The initial interest payment for a loan of $5,000 would be $25.
How do you determine my total interest payment?
To determine the total amount of interest you will pay over the course of your loan, simply divide the principal amount by the interest rate and the lending term in years.The interest on short-term personal loans is typically low.
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Your friends' credit scores are 560, 675, 710, 590, and 640. Your credit score is 680. What is the difference between the average credit score of your friends and your credit score?
Answer:
mine is higher by 45 points
Explanation:
Average score is the total score divided by number of entries
Average credit score = 560 + 675 + 710 + 590 +640 / 5
=3175/5
=635
friends average credit score = 635
My credit score =680.
the difference = 680-635=45 credit points
my credit score is better by 45 points
Japan's largest and main island, containing the Japanese capital and almost all of its core area, is _______________.
Paz Inc. Manufactures a product that contains a small motor. The company has always purchased this motor from a supplier for $55 each. Paz recently upgraded its own manufacturing capabilities and now has enough excess capacity (including trained workers) to begin manufacturing the motor instead of buying it. The company prepared the following per unit cost projections of making the motor, assuming that overhead is allocated to the part at the normal predetermined overhead rate of 150% of direct labor cost. The required volume of output to produce the motors will not require any incremental fixed overhead. Incremental variable overhead cost is $21 per motor. What is the effect on income if Paz decides to make the motors
To calculate the effect on income if Paz decides to make the motors instead of buying them, we need to compare the cost of making the motors in-house to the cost of buying them from the supplier.
Let's calculate the cost of making the motors:
Variable cost per motor:
Incremental variable overhead cost: $21 per motor
Allocated overhead cost:
Overhead is allocated at 150% of direct labor cost. Since the question does not provide the direct labor cost, we cannot calculate the allocated overhead cost.
Now, let's compare the cost of making the motors to the cost of buying them:
Cost of making the motors = Variable cost per motor + Allocated overhead cost (not provided)
If the cost of making the motors is lower than the cost of buying them ($55 each), then Paz will save money by manufacturing the motors in-house. This would increase the company's income. However, without the direct labor cost and allocated overhead cost, we cannot determine the exact effect on income in this scenario.
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the ratio of total purchases to sales (the percentage of dollars paid out to suppliers as a percentage of sales) varies little from industry to industry.
The statement that the ratio of total purchases to sales varies little from industry to industry is not entirely accurate. While it is true that many industries have standard practices and benchmarks for the cost of goods sold (COGS) relative to sales, there can be significant variations across different industries.
The ratio of total purchases to sales, also known as the purchase-to-sales ratio or cost of goods sold ratio, represents the proportion of revenue that is spent on acquiring goods or materials for production or resale. This ratio is influenced by several factors, including the nature of the industry, the supply chain dynamics, and the pricing structure.
Industries with higher input costs or complex supply chains, such as manufacturing or retail, may have higher purchase-to-sales ratios due to the need to procure raw materials, components, or finished goods. On the other hand, service-based industries may have lower purchase-to-sales ratios as they primarily rely on labor and intellectual property rather than physical goods.
Furthermore, variations in pricing strategies, economies of scale, and competitive dynamics can also impact the purchase-to-sales ratio within an industry. Companies within the same industry may have different cost structures, supplier relationships, or efficiency levels, leading to differences in their purchase-to-sales ratios.
Therefore, while there may be some general trends or industry benchmarks, it is essential to recognize that the purchase-to-sales ratio can vary significantly across different industries based on their specific characteristics, competitive landscape, and operational practices.
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Which of the following is not a purpose of credit counseling?
O A. To provide borrowers with short-term loans
O B. To help a borrower avoid bankruptcy
O C. To help a borrower develop a debt management plan
O D. To teach good borrowing habits
the
All the above are the purposes of credit counselling except A. To provide borrowers with short-term loans
Credit counselling refers to advice given to borrowers to:
Help them avoid bankruptcy Help them develop a debt management plan Teach them habits that will ensure they don't borrow in a dangerous wayDebt counselling is meant to help borrowers avoid the adverse effects of borrowing and is not meant to provide borrowers with even more avenues for borrowing.
In conclusion, credit counselling is not meant to provide borrowers with more loans.
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How might a business encourage its employees to participate in a retirement investment plan?
A. By charging fines to those who do not sign up
B. By offering a limited selection of plan options
C. By charging higher transaction fees than brokers
D. By offering plans with strong returns and high fees
A business can encourage its employees to participate in a retirement investment plan by offering plans with strong returns and high fees. Hence, Option D is correct.
What is the meaning of an investment plan?Investment planning is the process of coordinating your financial objectives with your available investment capital. It is the key element of financial planning that ensures you make the most of your savings and ensures you invest money to increase its value.
A systematic investment plan is a type of investment vehicle that many mutual funds provide to investors, enabling them to make regular, small investments rather than one large one.
Offering plans with high returns and low fees is one way for a company to entice staff to join a retirement investment plan.
Therefore, Option D is correct.
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with time, which one of the following strategies would most likely result in an outward shift in the production possibilities curve of an economy?
a. passage of legislation reducing the workweek to 30 hours
b. an increase in the marginal income tax rate, which would reduce the work effort of individuals
c. instituting a tax policy encouraging investment at the expense of consumption
d. instituting a tax policy encouraging consumption at the expense of investment
Implementing a tax policy that encourages investment at the expense of consumption is likely to result in an outward shift in an economy's production possibilities curve.
What is a tax policy?A tax policy is a set of laws and regulations that control how taxes are collected and used by the government. It explains the procedures for establishing the amount of taxes owing, who is responsible for paying taxes, and how taxes will be utilised to support public services and infrastructure. Government authorities frequently adopt tax policies that take into account the demands of the economy, the government's financial health, and the impact on residents and enterprises. The goal of tax policy is to develop a fair and efficient system that generates enough money for the government to meet its commitments while reducing the burden on taxpayers. Tax policy can be amended or adjusted over time to reflect changing economic situations.
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The type of interest earned on a deposit account that is calculated on both the principal deposit
amount and on any previously earned interest is called:
A simple interest
B compound interest
C variable interest
D exchange rate
What are some good colleges in New Orleans that arent expensive??
Answer:
southern university, Dillard university, university of new orleans
a telephone cost $250. the sales tax is 7.5 . what was the cost of the telephone including sales tax
Answer:
268.75
Explanation: The sales tax should be 18.75
During the forming stage team members meet one another and determine team goals. False True
Answer:
True
Explanation:
What is B + T + S ?Hints are that it is a famous k-pop boy band
Answer:
bts
Explanation:
bts
Andy, age 65 and Melody, age 45 are married and will file a joint return. They have unreimbursed medical expenses of $5,000 and an AGI of $50,000. What are their deductible medical expenses on Schedule A, line 4
Andy, age 65 and Melody, age 45 are married and will file a joint return. The deductible medical expenses on Schedule A, line 4 for Andy and Melody are $3,750.
This is due to the fact that they are over the age of 65 and have an AGI of $50,000.Since they are over the age of 65, they are subject to an additional threshold of 7.5% of their AGI which is $3,750 ($50,000 * 0.075). This means that their deductible medical expenses are the total medical expenses of $5,000 minus the threshold of $3,750, which equals $1,250.
Hence the correct answer is $3,750.
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The demand side of economic policy, refers to the actions undertaken by a nation's central bank to control money supply to maintain economic growth. This is an example of
Inflation
monetary policy
Debt management
Loans
Answer:
The perspective of economic policy that focuses its efforts to follow a national central bank when it wants to make sure money supply is regulated to achieve a continuous economical positive development is an example of:
monetary policy
Explanation:
The reasons behind this answer are that monetary policy is the concept used to represent the efforts of a certain monetary organization to make sure the interest rates are set in the best scenario to enable borrowers to pay their debts. Pointing to a scenario of economical and monetary stability that would support the country in times of economical distress.
where can i get my check engine light checked for free
Peter owns a partnership qualified LTC insurance policy that provides a nursing home care benefit of $100 per day. The policy also includes a home and community care benefit. Under the requirements of the Deficit Reduction Act (DRA), what is the minimum benefit payable by the policy for the home and community-care benefit? a $100 per day b. $18,250 c. $36,500 d. an amount equal to the maximum lifetime nursing care benefit
The minimum benefit payable by the policy for the home and community-care benefit is 18250 dollars. Option B is correct.
How to solve for the minimum benefit that would be payable for the home and the community care benefitThe LTC is the coverage that helps by providing health care, home care and adult day care to the citizens that are over 65 years of age in the United States.
The amount is 100 dollars
The toital days is 365 days in a year.
We would have to multiply these figures and then have to divide it by half. Such that we would have:
`100 * 365 * 0.5
= $18,250
Hence the minimum benefit is going to be b. $18,250
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Most countries on the planet use a market- based approach to organizing economic activity. false or true •
True, most nations on the earth organize economic activities using a market-based strategy.
Economic activity: What is it?Economic activity is the process of producing, providing, purchasing, or selling goods or services. Any action that involves the production, distribution, or consumption of products or services is referred to as an economic activity. Economic activity occurs at all levels of a society.
Is eating and drinking an economic activity?An economic activity can also be defined as the act of consuming an item or service. In society, these activities take place in a wide range of contexts, intensities, and complexity. The phrase is typically employed in economic theory as a driving force.
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Triangle, Illuminati, Grapes THEY ARE all connected through the power of the eye +4 and no one knows jerry the pineapple is the robot who will kill them all to freedom
Answer:
ratatoui
Explanation:
A celling (maximum )price.....
Answer: Price ceiling (maximum price) – the highest possible price that producers are allowed to charge consumers for the good/service produced/provided set by the government. It must be set below the equilibrium price to have any effect.
Explanation:
University of the Southern Caribbean have been considering to construct two extension sites in other Caribbean Islands. After they reviewed and analysed several proposals, the options were narrowed down to two possible extension sites. The St. Lucia extension site is estimated to cost $950,000 with an expected cost of capital to be 10%. Grenada’s extension site is closer to Trinidad so the cost is anticipated to be $750,000 with a cost of capital of 12%. The anticipated net cash inflows for the next 6 years are projected below.
Years St. Lucia Extension Site Grenada Extension Site
1 230,000 230,000
2 228,000 280,000
3 278,000 295,000
4 283,000 180,000
5 273,000 200,000
6 280,000 150,000
Requirements:
1. USC would like the payback period to be by year 4 for the latest. Based on that, which investment would you recommend and if they both meet the criteria, rank them.
2. USC has $1,750,000 available for the projects. Use the NPV method for the basis of your recommendation.
3. Make an overall recommendation after reviewing both the payback and NPV methods.
Answer:
a. Payback period method works by finding out if the investment will payback its initial investment within a certain period.
Payback period is a maximum of 4, find out which investment paid back in 4 years:
St Lucia:
= Cash flows for first 4 years - initial investment
= 230,000 + 228,000 + 278,000 + 283,000 - 950,000
= $69,000
Payback period = Year before payback + (Amount left for payback / Cashflow in payback year)
= 3 + ( (950,000 - 230,000 + 228,000 + 278,000) / 283,000)
= 3.76 years
Granada:
Payback period = Year before payback + (Amount left for payback / Cashflow in payback year)
= 2 + ( ( 750,000 - 230,000 - 280,000) / 295,000)
= 2.81 years
Both of them meet criteria but Granada site has lower payback period of 2.81 years so should rank higher than St. Lucia site.
2. St Lucia NPV:
= (230,000 / (1 + 10%)) + (228,000 / (1 + 10%)²) + (278,000 / (1 + 10%)³) + (283,000 / (1 + 10%)⁴) + (273,000 / (1 + 10%)⁵) + (280,000 / (1 + 10%)⁶) - 950,000
= $177,243
Granada NPV:
= (230,000 / (1 + 12%)) + (280,000 / (1 + 12%)²) + (295,000 / (1 + 12%)³) + (180,000 / (1 + 12%)⁴) + (200,000 / (1 + 12%)⁵) + (150,000 / (1 + 12%)⁶) - 750,000
= $192,420
USC has enough money to fund both projects and so should embark on both of them as they both bring in a positive Net Present Value.
3. On the basis of both the Payback period and the NPV, the Granada site performs better than the St. Lucia so if USC does not have enough money for both projects, they should invest in the Granada project.
which of the following statements is correct? a. there is no relationship between the days' sales outstanding (dso) and the average collection period (acp). these ratios measure entirely different things. b. if a firm increases its sales while holding its accounts receivable constant, then, other things held constant, its days' sales outstanding will decline. c. a reduction in accounts receivable would have no effect on the current ratio, but it would lead to an increase in the quick ratio. d. if a firm increases its sales while holding its accounts receivable constant, then, other things held constant, its days' sales outstanding (dso) will increase. e. if a security analyst saw that a firm's days' sales outstanding (dso) was higher than the industry average and was also increasing and trending still higher, this would be interpreted as a sign of strength.
The correct statement is b. If a firm increases its sales while holding its accounts receivable constant, then, other things held constant, its days' sales outstanding will decline.
Days' Sales Outstanding (DSO) measures the average number of days it takes for a company to collect its accounts receivable. It is calculated by dividing accounts receivable by average daily sales. If a firm increases its sales while keeping its accounts receivable constant, it means that the firm is collecting its receivables faster in relation to its sales. As a result, the DSO will decrease because the numerator (accounts receivable) remains the same, while the denominator (average daily sales) increases. Option a is incorrect because DSO and Average Collection Period (ACP) are essentially the same measure. They both indicate the time it takes to collect receivables and are often used interchangeably. Option c is incorrect because a reduction in accounts receivable would decrease both the current ratio and the quick ratio. The current ratio is calculated by dividing current assets by current liabilities, and a reduction in accounts receivable would decrease current assets, leading to a decrease in the current ratio. Similarly, the quick ratio, which excludes inventory from current assets, would also decrease.
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ur division is considering two investment projects, each of which requires an up-front expenditure of $17 million. You estimate that the investments I produce the following net cash flows: a. What are the two projects' net present values, assuming the cost of capital is 5% ? Do not round intermediate calculations. Round your answer to the nearest dollar. Project A:$ Project B:$ What are the two projects' net present values, assuming the cost of capital is 10% ? Do not round intermediate calculations. Round your answers to the nearest dollar. Project A: $ Project B:$ What are (ase two projects' net present values, assuming the cost of capital is 15\%? Do not round intermediate calculations. Round your answers to the nearest dollar. Project A:\$ Project B: $ b. What are the two projects' IRRs at these same costs of capital? Do not round intermediate calculations. Round your answers to two decimal places. Project A; Project
Project B is better because its IRR exceeds the cost of capital at all three levels.
a. The net present value (NPV) of two projects under different costs of capital is tabulated below:
Cost of capital 5% 10% 15%
Project A $6,849,942 $2,326,000 -1,882,154
Project B $11,484,274 $5,832,000 $956,334
The NPV of Project A is positive at a cost of capital of 5%, while it is negative at 15%.
Project B is the better investment because its NPV is positive for all three costs of capital. Hence, Project B is always preferred to Project A.
b. The internal rate of return (IRR) for each project for different costs of capital is tabulated below:
Cost of capital 5% 10% 15%
Project A 8.67% 8.40% 8.13%
Project B 15.67% 14.84% 14.09%
The IRR of each project is greater than the cost of capital for all three costs of capital for Project B.
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