The expectation that employees perform a job, managers take corrective action when necessary, and employees report upward on the status and quality of their performance is known as the performance management system.
Performance management refers to the regular process of setting objectives, measuring progress, and providing feedback and coaching to employees so that they can meet their objectives and improve their performance.In this process, managers and employees work together to identify goals, establish performance expectations, and assess progress. Performance management systems also involve providing employees with the necessary training and development opportunities to improve their skills and abilities.To effectively manage employee performance, managers must be able to provide constructive feedback, recognize good performance, and address areas for improvement. They must also be able to provide coaching and support to help employees meet their objectives and develop their skills and abilities.In summary, the performance management system is a key tool for improving employee performance and ensuring that employees meet their objectives and contribute to the overall success of the organization. By setting clear goals, providing feedback and coaching, and addressing areas for improvement, managers can help employees reach their full potential and achieve their career objectives.
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All of the following are ways to avoid injuries when working on computers except ________. So you are looking up at it ensuring proper lighting taking breaks purchasing an adjustable chair
Option a: All of the following are ways to avoid injuries when working on computers EXCEPT placing a monitor 12" from the eye.
When we talk about computer-related injuries, we mean any type of aches, pains, aches, pains, or syndromes resulting from computer use. In addition to repeated injuries, this includes conditions caused by poor workplace design, improper posture, and uncomfortable furniture.
To make matters worse, computer-related injury statistics show that the problem is becoming more common. Musculoskeletal disorders alone affect 1.8 million workers and incapacitate 600,000.
Computer-related injuries at work come in many forms. They can take the form of muscle spasms, strains, sprains, headaches, and joint pain.
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Complete question:
All of the following are ways to avoid injuries while working on computers except ______.
(a) placing a monitor atleast 12 inches from the eyes
(b) purchasing an adjustable chair
(c) ensuring proper lightening
(d) taking breaks
ant160 1. how did the new federal housing administration (fha) change down payment requirements and loan terms for home mortgages? what effect did this have on home buying in america?
This allowed more people to become eligible for a mortgage and increased access to homeownership for many people. As a result, it significantly increased home buying in America.
The New Federal Housing Administration modified down payment requirements and loan terms for home mortgages, which affected home purchasing in America.
The FHA changed down payment requirements and loan terms for home mortgages as follows:
1. FHA-backed loans allowed a much lower down payment than the standard 50 per cent requirement of traditional lenders. This made it easier for first-time buyers to get into the housing market.
2. The FHA also lowered interest rates on mortgages, making them more attractive to potential homeowners.
3. The length of mortgage loans was increased from five years to 15 years, making monthly payments more affordable for homebuyers.
4. The FHA insurance plan covered mortgage payments in the event of a borrower's death or disability, ensuring that their families would not be left with a financial burden if the worst occurred.
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Martin Supply Service paid 350dollars cash to a materials supplier that it owed from the previous month.Which of the following accounts decrease ?
a) Acoount Payable
b)Owners Capital
c)Office Supplies
d)Account Receivable
When Martin Supply Service pays $350 in cash to a supplier, it will reduce the value of Account Payable by $350. Therefore, alternative a. is correct.
What is Account Payable?Account Payable is a type of account in which a business keeps track of the money that it owes to its suppliers for goods and services received. When a company owes money to suppliers, it is referred to as Accounts Payable.
So, when Martin Supply Service pays $350 in cash to a supplier, it will reduce the value of Account Payable by $350.
In conclusion, the correct answer is option A) Acoount Payable.
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for good internal control over purchase transactions, purchases should be documented by a purchase requisition by the department needing the goods. group startstrue or false
The statement that 'for good internal control over purchase transactions, purchases should be documented by a purchase requisition by the department needing the goods' is true as it ensure proper monitoring of approval and procurement process.
A purchase requisition, also known as a purchase order, is important because it serves as a written request or formal authorization for the purchase of goods or services. It includes details such as the goods or services being requested, the quantity, the delivery date, and the estimated cost. It serves as the foundation for the entire purchasing process, ensuring that purchases are made according to company policy and procedures.
It can be sent internally within a company from one department to another, or from an external supplier. It aids in the management of procurement, allowing for appropriate monitoring, and reduces the risk of misappropriation of funds or other types of fraud.
Therefore, to maintain good internal control over purchase transactions, purchases must be documented by a purchase requisition by the department needing the goods. This helps to ensure that purchases are approved, verified, and authorized by the appropriate parties, as well as to ensure that the goods or services are properly obtained and used for their intended purpose.
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The _______ approach involves collecting performance information not just from the supervisor but from anyone else who might have firsthand knowledge about the employee's performance behaviors.
The 360-degree feedback approach involves collecting performance information not just from the supervisor but from anyone else who might have firsthand knowledge about the employee's performance behaviors.
What is 360-degree feedback?A 360-degree feedback program, also known as a multi-rater is a feedback approach that collects performance information not just from the supervisor but from anyone else who might have first hand knowledge about the employee's performance behaviors.
The feedback is given from all angles by using a variety of sources that an employee can trust, including peers, subordinates, and supervisors. The feedback is focused on the skills and behaviors that are critical to the company's success.
The employees are often given a written report on their performance, and they are also provided with feedback and suggestions for improvement.
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when population growth results in a lower output per worker, it is an illustration of which key principle in economics? answer unselected the principle of diminishing returns unselected the principle of creative destruction unselected the principle of new growth model
The key principle in economics when population growth results in a lower output per worker is the principle of diminishing returns.This is because as more people are added to the workforce, the total output produced also increases up to a certain point.
The principle of diminishing returns is a principle in economics that states that when all other variables remain constant, the increase in the number of inputs causes a decrease in the output per unit. In other words, when a specific factor of production is added to the production process, holding all other factors constant, after some point, the additional benefit from that factor will decrease, resulting in a lower output per worker. Therefore, when population growth results in a lower output per worker, it is an illustration of the principle of diminishing returns. This is because as more people are added to the workforce, the total output produced also increases up to a certain point. However, beyond that point, adding more people to the workforce can lead to diminishing returns because there will be more workers than there is work to be done, resulting in a lower output per worker.
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The single most important idea the company hopes to convey to its target audience about a product is the O promotional mix marketing mix O core message call to action O media mix
The single maximum critical concept the employer hopes to bring to its target audience approximately a product is the core message
In media, the target audience refers back to the man or woman or institution for whom a message is created. a few messages, like personal email or thank-you notes, goal just one person. In truth, you could frequently decide the target market of mainstream media by means of inspecting their commercial content material.an excellent promotional mix lets in you to are seeking out leads through the maximum appropriate channels, enabling involved clients to speak along with your enterprise. The promotional mix is an crucial tool in nurturing relationships with income leads and an current target market base.
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an industry will have an increasing long run supply curve when an increase in market demand is met by a smaller increase in market supply. an industry will have an increasing long run supply curve when an increase in market demand is met by a smaller increase in market supply. true false
The statement “an industry will have an increasing long-run supply curve when an increase in market demand is met by a smaller increase in market supply” is true. In economics, supply and demand are essential to explain market behavior.
What is the long-run supply curve?The long-run supply curve is a graphical representation of the long-run supply of an industry. It shows the number of goods that the industry will provide at a given price over time. Various factors like technology, production costs, and changes in demand influence the long-run supply curve. It is less steep than the short-run supply curve, which implies that supply can adjust to demand more quickly when changes occur in the market.
The quantity of goods or services that consumers are willing to buy at a given price and time is known as market demand. It is the sum total of the individual demands of all consumers in the market. The quantity of goods or services a producer is willing to offer for sale at a given price and time is known as market supply. It is the sum total of the individual supplies of all producers in the market.
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in 2010, new health insurance plans had to cover all fda-approved methods of birth control without cost sharing. what does it mean to be covered without cost sharing?
To be covered without cost-sharing means that the health insurance plan must cover the full cost of a particular service or treatment.
Under the Affordable Care Act (ACA) of 2010, health insurance plans are required to cover certain preventive services, including FDA-approved methods of birth control, without imposing co-payments, deductibles, or coinsurance on the individual.
This means that if an individual is covered under a health insurance plan that is subject to the ACA's provisions, they can access FDA-approved methods of birth control without any out-of-pocket costs.
Covering preventive services without cost-sharing is intended to make it easier for individuals to access necessary care and to reduce financial barriers to preventive care. It is important to note that not all health insurance plans are subject to the ACA's provisions, and some plans may offer different levels of coverage for preventive services.
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What are the three basic functions of money? Describe how rapid inflation can undermine money's ability to perform each of the three functions.
The three basic functions of money are to act as a medium of exchange, a unit of account, and a store of value, and rapid inflation can undermine money's ability to act as a medium of exchange because prices of goods and services can quickly rise and make money less useful as a means of exchanging for goods and services.
What are the three basic functions of money?Money is a medium of exchange, a unit of account, and a store of value. A medium of exchange refers to money's capacity to be used as a means of exchange for goods and services. It means that money is recognized and approved as a mode of payment in transactions. The unit of account describes how money serves as a standard measure for the value of goods and services in an economy. The unit of account function of money indicates that a specific amount of money is worth a certain quantity of goods or services. Lastly, as a store of value, money's capacity to store value for long periods of time is recognized. This suggests that money can be kept and utilized for potential purchases or expenses in the future.
What are the effects of rapid inflation on money's ability to perform each of the three functions?Rapid inflation can undermine money's ability to perform each of the three functions in the following ways:
1. Medium of Exchange. The rising prices of goods and services caused by rapid inflation could make it tough for people to purchase the things they require. It becomes difficult to conduct transactions since the price of goods and services would fluctuate frequently.
2. Unit of Account. Because of the price fluctuations caused by rapid inflation, money becomes a less reliable unit of account. It becomes difficult to determine how much a particular sum of money would be worth in the future due to rapidly changing prices.
3. Store of Value. Rapid inflation causes money to lose its value, making it a less reliable store of value. As a result, individuals and businesses would have to find other methods to store value, such as investing in assets like property, commodities, or even other currencies.
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If the target market is international, all of the following elements that may affect the marketing plan must be described EXCEPT _______.
a. differences in political structure
b. differences in economic and technological development
c. differences in comparing an objective to a benchmark
d. differences in culture
If the target market is international, all of the following elements that may affect marketing plan must be described except differences in comparing an objective to benchmark.
What is a benchmark?In general, a benchmark is a standard or point of reference used for comparison or evaluation. In finance, a benchmark is a standard index that serves as a measure of the performance of a specific portfolio or investment strategy. For example, the S&P 500 index is often used as a benchmark for evaluating the performance of a stock portfolio. In computer science, a benchmark is a standardized test or set of tests used to measure the performance of computer hardware or software. Benchmarks are used to compare the performance of different systems or components and to identify areas for improvement. In short, a benchmark is a tool used to measure performance or progress against a set standard or reference point.
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can the company use the candidates’ social media websites to determine who they wish to hire?
Companies can use social media to learn more about job candidates, it's important to do so carefully, ethically, and with a critical eye toward the reliability and relevance of the information obtained.
In general, yes, companies can use social media to learn more about job candidates. However, there are some important considerations to keep in mind. Firstly, it's important to note that the use of social media in hiring decisions can be controversial and raises questions about privacy and discrimination.
Employers need to be careful to avoid making decisions based on information that could be considered discriminatory, such as race, religion, or disability status.
Secondly, it's important to consider the reliability and accuracy of information found on social media. Not everything posted online is necessarily true or reliable, and it's possible for employers to be misled or make incorrect assumptions based on what they find.
Finally, it's important to obtain candidate consent before conducting any social media research and to ensure that any information gathered is relevant to the job in question.
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When asked for next week's snack preference we say we prefer apples. At snack time next week, we say we want chocolate cake but next week we will prefer an apple. In this example, we are being time _______
In this example, we are being time inconsistent.
When someone displays different preferences at different times, they are said to be time inconsistent. This means that they are not making rational decisions because their preferences are changing over time. Time inconsistency arises when decision-makers are unable to make a long-term strategy and stick to it. It occurs when the present self is unable to follow through on plans that the past self made.
Time inconsistency is why people often choose smaller rewards right away rather than waiting for larger rewards in the future. The same applies to a diet where a person intends to eat healthily and cut down on high-calorie foods but ends up eating junk food.
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If you were asked to be a team leader, all of the following leadership skills and behaviors would help you influence your team except_ O integrity and honesty in communicating with team members O being clear and consistent letting members know what's expected of them O being optimistic and generating positive energy O willingness to let team members work on their own without asking them what they are doing and how the job is going
All of the following leadership skills and behaviours, with the exception of being willing to let team members work independently without checking in with them on how things are going, would help you influence your team if you were asked to manage a team.
With the exception of being willing to let team members work independently without asking them how things are going, all of the following leadership qualities and behaviours would be helpful to you if you were asked to manage a team. There are several attributes that make someone a good leader that may be learned. A Center for Creative Leadership skills study indicated that between 38% and more than 50% of new leaders and members fail during the first 18 months.
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What do you call the function that relates demand for a product to its price?
The function that relates demand for a product to its price is called the demand function or demand curve. The demand curve is typically downward sloping, indicating that when the price of a product increases, demand for it decreases.
The demand function is a formula that calculates the number of goods a customer will purchase at a certain price. It describes the relationship between the quantity of a product that people are willing to buy and its price, keeping other variables constant.
For example, a demand function could show the quantity of coffee that someone would buy based on the price, their income, and the price of tea.
The demand function is typically written in the form of Q = f(P), where Q represents the quantity of the product demanded, P represents the price of the product, and f represents the functional relationship between Q and P.
The demand curve is a graphical representation of the demand function, with quantity on the horizontal axis and price on the vertical axis.
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The FCC recommends that firms conduct market __________t , Incorrect Unavailable to eliminate possible bias related to judgments about some population segments as they identify their target audience for advertising.executingevaluatingresearch
The Federal Communications Commission (FCC) recommends that firms conduct market research to eliminate possible bias related to judgments about some population segments when they identify their target audience for advertising.
Market research is the process of gathering, analyzing, and interpreting information to better understand a target market and identify the potential success of a product or service. Market research typically involves conducting surveys, interviews, and focus groups with potential customers in order to understand their preferences and needs. It can also involve collecting data from secondary sources such as market reports and industry publications.
The main goal of market research is to identify customer needs and preferences that can be used to inform marketing strategies and product design. Market research can help companies better understand their target audiences, assess the potential for product success, and refine marketing strategies. Through market research, companies can develop an in-depth understanding of their customers’ attitudes, values, and opinions. This understanding can then be used to create products and services that better meet the needs of their target audience.
Market research is a critical component of the marketing process, as it allows companies to get feedback from potential customers and gain an understanding of how they view the company and its products or services. Without market research, companies may not be able to accurately identify customer needs and develop effective marketing strategies. By conducting market research, companies can also identify emerging trends and changes in customer needs, preferences, and opinions, allowing them to stay ahead of the competition and maximize their success.
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When household debt levels rise:
a. the ability to get more credit rises.
b. families are less able to spend in the current period.
c. investment levels rise.
d. tax payments will be higher.
e. none of the above
When household debt levels rise, families are less able to spend in the current period. Option B.
What is debt?Debt is an amount of money owed by one person, organization, or country to another. Debt may have been incurred as a result of borrowing money, as in the case of credit cards, mortgages, or personal loans, or as a result of a trade or service received, such as unpaid bills or taxes that are due.
What is household debt?
Household debt is the total amount of money owed by households or consumers in a particular country or area. Household debt includes all types of consumer loans and mortgages. The rise in household debt is one of the primary causes of economic recession.
However, when the amount of household debt increases, it can lead to a decrease in consumer spending as households struggle to pay back their loans and interest charges.
In conclusion, when household debt levels rise, families are less able to spend in the current period. The right answer is Option B.
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Because business professionals use a large quantity of email for communication, what do they typically associate emails with?
Business professionals associate emails with communication, both internally and externally. Emails are an essential tool in the business world, facilitating communication, collaboration, marketing, and customer service.
Business professionals typically associate emails with communication. The reason behind this is that emails are used as a primary mode of communication in the business world.
Many business professionals use emails to communicate with their clients, colleagues, and stakeholders. They use emails to share important information, documents, and files, to discuss project progress, and to arrange meetings and appointments.
Emails are also used to maintain a record of communication and to keep track of conversations. They can be stored and accessed easily, making them an effective means of maintaining a record of important communication. Emails can also be used for marketing purposes. They can be used to send promotional messages, newsletters, and updates about products and services to clients and customers. They can also be used for customer service and support, enabling customers to ask questions and resolve issues via email.
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Business professionals typically associate emails with efficiency, professionalism, and timeliness. Emails enable them to quickly communicate with other professionals in their industry, both domestically and internationally.
Emails also enable them to keep track of conversations and tasks without the hassle of having to search through paper documents. Additionally, emails can provide an easy way to access and share documents, which is critical for completing projects in a timely manner.
The ability to respond quickly to emails is also important for business professionals; when someone takes too long to reply, it can create a negative impression about the professionalism of the sender.
In general, emails provide business professionals with an efficient and professional way to communicate and collaborate with others.
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a list of financial statement items for wildhorse co. includes the following: accounts receivable $29,400; prepaid insurance $5,460; cash $21,840; supplies $7,980; and debt investments (short-term) $17,220. prepare the current assets section of the balance sheet listing the items in the proper sequence. (list current assets in order of liquidity.) wildhorse co. partial balance sheet select an opening subsection name enter a balance sheet item $enter a dollar amount enter a balance sheet item enter a dollar amount enter a balance sheet item enter a dollar amount enter a balance sheet item enter a dollar amount enter a balance sheet item enter a dollar amount select a closing subsection name $enter a total amount for this subsection
The list of financial statement items for Wildhorse Co. includes Cash, Debt investments, accounts receivables, prepaid insurance, and supplies will be the order used to prepare the current assets section of the balance sheet.
The current assets section of the Wildhorse Co. balance sheet should include the following items in order of liquidity:
Cash: $21,840
Debt Investments (short-term): $17,220
Accounts Receivable: $29,400
Prepaid Insurance: $5,460
Supplies: $7,980
The total for this subsection would be $82,900.
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The current assets are identified, and they should be summed up to arrive at the Total Current Assets. This total can be found on the balance sheet of a company, which is a financial statement that provides a snapshot of a company's financial position at a particular point in time.
The current assets section of the Wildhorse Co. balance sheet should include the following items in order of liquidity:
Cash and cash equivalents: This includes cash on hand, checking accounts, and highly liquid investments that can be easily converted into cash, such as money market funds, in this case, it is $21,840
Accounts Receivable: The amount of money that is owed to the company by its customers for goods or services that have been delivered but not yet paid for, in this case, it is $29,400
Debt Investments $17,220
Prepaid Insurance - Payments made in advance for goods or services that will be received in the future, such as prepaid insurance or rent, in this case, it is $5,460
Supplies $7,980
Total Current Assets provide a measure of a company's short-term liquidity and its ability to pay its current liabilities with its current assets.
Thus, Total Current Assets are $82,900
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Consider the information about the economy of Pakistan. Note that the currency of Pakistan is the rupee. The government purchases: 3.30 trillions of rupees. Individuals consume: 12.00 trillions of rupees Individuals save: 4.98 trillions of rupees. Businesses invest: 1.30 trillions of rupees. Foreigners spend: 0.64 trillions of Rupees to purchase Pakistani firms. Pakistan imports: 2.23 trillions of rupees Pakistan exports: 1.35 trillions of rupees Calculate Pakistan's GDP. Assume that the values are all current and no conversions need to be made. Pakistan's GDP: trillions of rupees
Pakistan's GDP is 15.28 trillion rupees, its GDP based on PPP stands at US$1.512 trillion with a GDP (PPP) per capita of US$6,662 . The country ranks poorly in most of development indicators set by UNDP and World Bank
How to calculate GDP?
The economy is the measure of a country's overall financial health. The Gross Domestic Product (GDP) is the measure of a country's economic performance. The economic performance of a country is determined by a number of factors, including the production of goods and services, consumption, savings, and investment, among others.The formula for calculating GDP is:GDP = C + G + I + NX. Where,C is the consumer's consumption.G is the government's purchases.I is the investments made by firms. NX is the country's net exports.To calculate Pakistan's GDP, let's look at the data given in the question.Government purchases = 3.3 trillion.Individuals consume = 12 trillion Individuals save = 4.98 trillion. Businesses invest = 1.3 trillion. Foreigners spend = 0.64 trillion Pakistan imports = 2.23 trillion Pakistan exports = 1.35 trillion. Now we can calculate Pakistan's GDP using the formula above. GDP = C + G + I + NXGDP = 12 + 3.3 + 1.3 + (1.35 - 2.23) + 0.64GDP = 15.28 trillion rupees.
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just-in-time production requirements has been proposed. Users want access to current master file information at all times. To satisfy user needs, master file changes should be implemented with:A. Periodic entry with subsequent batch processingB. Periodic entry with immediate batch processingC. Online entry with subsequent batch processing.D. Online entry with immediate processing
To satisfy user needs, master file changes should be implemented with online entry with immediate processing. Therefore, correct answer is option D.
In a new purchasing system has been proposed for JIT (Just-in-Time) production requirements users want access to the current master file information at all times. A master file is a file that contains essential information about the business. For instance, information about customers, suppliers, and inventories.
To satisfy user needs, master file changes should be implemented with online entry with immediate processing. This means that when a master file change is made, it is immediately entered into the system, and the processing is completed without any delay.
Hence, through online entry with immediate processing an immediate response can be received if the data is entered online. It allows changes to be made to the file without any delay. It is done automatically, allowing quick updates to be made. This will improve user satisfaction and reduce the workload on the staff. Hence, the correct option is D. Online entry with immediate processing.
Note: The question is incomplete. The complete question probably is: A new purchasing system for JIT production requirements has been proposed. Users want access to current master file information at all times. To satisfy user needs, master file changes should be implemented with: A. Periodic entry with subsequent batch processing B. Periodic entry with immediate batch processing C. Online entry with subsequent batch processing. D. Online entry with immediate processing
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according to porter's five forces model, which of the following firms would be least affected by the threat of substitutes? group of answer choices a used car dealership in new york a convenience store that sells retail products a firm that sells the only drug for a disease a corner latte shop in atlanta a food vendor at a county fair
According to Porter's five forces model, which of the following firms would be least affected by the threat of substitutes?The company that sells the only drug for a disease would be least affected by the threat of substitutes because it is the only company that provides the drug required to treat a particular disease.
According to Porter's five forces model, the threat of substitutes is one of the five components of competitive analysis that influences the competitive dynamics of a market. It evaluates the availability of comparable products and services that could meet the consumer's need or want.The firm that sells the only drug for a disease is least affected by the threat of substitutes. The firm is protected from the rivalry of other firms, and the market dominance they've established. This is because consumers have no other option to consider, and so they are willing to pay any price to obtain the product. This understanding can be used to conclude that the only drug-selling company is least affected by the threat of substitutes. Learn more about the five forces model and the impact of substitutes on business in this article.
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Capital rationing that is imposed by top management of a firm is called ___________ rationing. _____________ rationing occurs when a firm cannot raise the money it needs from outside sources.
The capital rationing that is imposed by the top management of a firm is called internal rationing. Internal rationing occurs when a firm cannot raise the money it needs from outside sources.
What is capital rationing? Capital rationing refers to the situation in which a company has constraints on the amount of money that it can invest in a given period. Capital rationing is divided into two types, internal and external rationing. Capital rationing is the process of ensuring that a firm's long-term investments are funded in a way that is consistent with its long-term financial goals.
Capital rationing can be classified into two categories based on the source of the restriction: internal and external capital rationing. Internal capital rationing is a result of the company's decision to restrict capital spending. External capital rationing is imposed by lenders, investors, or regulators, who place restrictions on a company's ability to raise capital from outside sources.
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financial intermediaries such as banks typically have assets that are riskier than their liabilities. true or false?
This statement is generally true. Financial intermediaries, such as banks, typically have assets that are riskier than their liabilities.
Banks and other financial intermediaries engage in what is known as "maturity transformation," which means that they borrow funds from short-term depositors and lend those funds out to borrowers for longer-term investments. This creates a mismatch between the maturities of their assets and liabilities, which can result in different degrees of risk.
For example, a bank may have issued long-term loans to borrowers, while its liabilities consist mostly of short-term deposits from customers. In this case, the bank's assets are riskier because they are subject to potential losses from defaults or market fluctuations over the longer-term horizon, while its liabilities are less risky because they can be rolled over or renewed more frequently.
To manage the risk of their asset portfolios, financial intermediaries use a variety of tools such as diversification, risk management techniques, and regulatory requirements to ensure that they have adequate capital to absorb potential losses. However, despite these risk management practices, financial intermediaries still face the risk that their asset portfolios will generate losses that exceed their available capital, which could lead to insolvency or financial crisis.
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rank the following types of mortgages by amount outstanding from largest to smallest. i. home mortgages ii. multifamily mortgages iii. farm mortgages iv. commercial mortgages
Ranking of mortgages by amount outstanding from largest to smallest: Home mortgages, commercial mortgages, multifamily mortgages, and farm mortgages.
What is a mortgage?A mortgage is a legal agreement in which a bank or other creditor lends money at interest in exchange for taking possession of the title to the debtor's property until the debt is paid off. When the debt is paid off, the title is returned to the borrower.
What is a home mortgage?
A home mortgage is a type of mortgage that is used to purchase or refinance a single-family residential property. Home mortgages are usually offered by banks and other financial institutions. The terms of a home mortgage can vary depending on the lender and the borrower's credit history and income.
What is a commercial mortgage?
A commercial mortgage is a mortgage secured on a commercial property, such as a retail premises, office building, industrial warehouse, or apartment complex. When compared to residential mortgages, commercial mortgages are typically more expensive because of the risks involved. This is because a commercial mortgage is used to fund the purchase of commercial property, which is usually more expensive than a residential property.
What is a multifamily mortgage?
A multifamily mortgage is a type of mortgage that is used to purchase or refinance a multi-unit residential property, such as an apartment building or a townhouse complex. These types of properties are usually owned by a landlord and rented out to tenants. Multifamily mortgages are usually offered by banks and other financial institutions.
What is a farm mortgage?
A farm mortgage is a type of mortgage that is used to purchase or refinance a farm property. Farm mortgages are usually offered by banks and other financial institutions. The terms of a farm mortgage can vary depending on the lender and the borrower's credit history and income.
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every six months, jessa deposits $525 into an interest-bearing account to save for her children's tuition. the interest rate on the account is 5.4% compounding semi annually. what is the present value of the investment of jesse's children leave for college in 11 years?
The present value of the investment of Jesse's children leave for the college in the 11 years is about $14,032.05 amount.
What is the value of investment?Jessa deposits $525 into an interest-bearing account every six months, the present value of her children's investment can be determined. This investment account has an interest rate of 5.4% compounded semi-annually.
In order to compute the present value of Jessa's children's investment, we can use the formula for the future value of an annuity, which is:
FV = PMT(1+r)ⁿ(r)
where, FV = Future value of the annuity, PMT = Payment per period, r = Interest rate per period, n = Number of periods.
First, we must determine the number of payment periods by multiplying the number of years by 2 since payments are made every six months.
n = 11 × 2 = 22
The interest rate for a period is calculated by dividing the annual interest rate by the number of periods in a year. In this situation, since interest is compounded semi-annually, there are two interest periods in a year.
r = 5.4%/2 = 2.7%
Now we can calculate the present value of the investment by utilizing the formula for the future value of an annuity, as mentioned previously.
FV = PMT(1 + r)ⁿ⁻¹(r)
where, FV = PV (1 + r)ⁿ, PV = present value of the annuity. The formula can be rearranged to calculate the present value of the investment. PV = FV/(1 + r)ⁿ.
Substituting the appropriate values,
PV = 525 × (1 + 0.027)²²- 1/0.027 × (1 + 0.027)²² = 14,032.05
Therefore, the present value of Jessa's children's investment is $14,032.05.
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eac nutrition offers a 9.5-percent coupon bond with annual payments maturing 11 years from today. your required return is 11.2 percent. what price are you willing to pay for this bond if the face (or par) value is $1,000?
If your required return is 11.2 percent, you would be willing to pay $631.19 for this bond.
To calculate the price you are willing to pay for the bond, you need to determine the present value of the bond's future cash flows.
First, calculate the annual coupon payment as a percentage of the face value:
Coupon payment = 9.5% x $1,000 = $95
Next, calculate the number of periods (i.e. years) and the discount rate per period:
Number of periods = 11
Discount rate per period = 11.2% / 1 = 11.2%
Then, use the present value formula to calculate the present value of the bond:
PV = [C / (1 + r)ⁿ] + [F / (1 + r)ⁿ]
Where:
PV = present value
C = coupon payment
r = discount rate per period
n = number of periods
F = face value
Substituting the given values:
PV = [$95 / (1 + 0.112)] + [$1,000 / (1 + 0.112)¹¹]
PV = $631.19
The amount you would be willing to pay = $631.19.
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Remember, the database models the business T'iny Clothes Write and submit RSQLite queries to answer the following questions and queries about 'Tiny Clothes' names of all the employees at Tiny Clothes. find the names of all the employees at 'tiny clothes'. (return names only) 4. retrieve all the distinct employee names of employees at 'tiny clothes'
To retrieve all the distinct employee names of employees at 'tiny clothes,' the following RSQLite query can be used:SELECT DISTINCT employee_nameFROM tiny_clothes
To extract the names of all the employees at 'tiny clothes' from the database, the following RSQLite query can be used:SELECT employee_nameFROM tiny_clothes;This query will retrieve the names of all employees present in the tiny_clothes table. However, it will return duplicate entries for an employee name if an employee has multiple entries in the table.To eliminate duplicate entries, the DISTINCT keyword can be added to the query. This keyword instructs the database to return only the unique values in the specified column. So, the following query can be used to extract all the distinct employee names from the tiny_clothes table:SELECT DISTINCT employee_nameFROM tiny_clothes;This query will return only the unique employee names and eliminate any duplicates.
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Question 3 (Mandatory) (1 point) Assume stock xyz has a beta of 1.5 and a residual standard deviation of 30%. The standard deviation of the market-index portfolio is 20%. What would have a greater impact on xyz's variance: an increase of 0.15 in its beta or an increase of 3 percentage points (from 30 to 33%) in its residual standard deviation? the increase in its beta the increase in its standard deviation both would have the same impact O can't be determined without knowing xyz's alpha
The increase in stock XYZ's beta would have a greater impact on its variance than the increase in its residual standard deviation.
Both of the following options would have an impact on XYZ's variance:
The increase in its beta
The increase in its standard deviation
It is a common misconception to assume that only changes in beta have an effect on the stock's variance.
However, since the stock's variance is a combination of systematic and unsystematic risk, the change in the standard deviation of residual risk will have an impact on the stock's variance.
An increase in the standard deviation of 3% would result in an increase in the unsystematic risk component of XYZ's variance, resulting in an overall increase in its variance.
On the other hand, an increase of 0.15 in beta would result in an increase in the systematic risk component of XYZ's variance, resulting in an overall increase in its variance as well.
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what two companies were in charge of building the railroad?
The two companies primarily responsible for building the transcontinental railroad in the United States were the Central Pacific Railroad, built the “Big Four”:
Collis Huntington, Leland Stanford, Mark Hopkins, Charles Crocker, and the Union Pacific Railroad, were built by Thomas Durant, Grenville Dodge, and their associates.
The Central Pacific Railroad built buildings eastward from Sacramento, California, and the Union Pacific Railroad built buildings westward from Omaha, Nebraska. The two firms collaborated.
The first transcontinental railroad in the United States was finished in 1869 at the meeting of the two firms near Promontory Peak, Utah, after a number of difficulties.
A significant engineering achievement, the railroad's construction opened up new commercial, transport, and communication opportunities between the US coasts.
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