Depository institutions are financial intermediaries that obtain funds by accepting checking and savings deposits from individuals, businesses, and other institutions, and then lending those funds to borrowers.
What are depository institutions?Depository institutions are financial intermediaries that receive cash from individuals, businesses, and other institutions by accepting checking and savings deposits and then lending those monies to borrowers.In the United States, there are three basic types of depository institutions. Commercial banks, thrifts (which include savings and loan associations and savings banks), and credit unions are the three types.A depository is an organization, bank, or institution that keeps securities and facilitates their trading. A depository provides market security and liquidity, lends money stored for safekeeping to others, invests in other assets, and provides a funds transmission system.Therefore, depository institutions are financial intermediaries that obtain funds by accepting checking and savings deposits from individuals, businesses, and other institutions, and then lending those funds to borrowers.
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A marketing practice with the goal of generating traffic from search engines through both paid and unpaid efforts is called?
Marketing techniques aimed at generating traffic from search engines through paid and unpaid efforts is called Content Marketing.
Search engine marketing is marketing about search. Search engine optimization is a technique aimed at improving a website's ranking in search engines for specific keywords. A page that displays search results from a search engine.
Free listings displayed on search engine results pages. It is inferred based on the relevance of your content to keyword queries compared to all other indexed content on the web.
Paying a search engine to have your company's listing appear at the top of search results. Also known as search engine optimization (SEO).
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The practice of charging different prices to different consumers for the same product is called?
The practice of charging different prices to different consumers for the same product is called price discrimination.
Price discrimination is a selling strategy which charges the customers different prices for the same product or service. This discrimination is based on what the seller thinks they can get the customer to agree to.
This situation of price discrimination prevails under monopoly market as they can charge different prices from different buyers here easily. This strategy is used by businesses in order to maximize revenue by charging customers different prices based on their willingness to pay.
Hence, businesses and companies practice price discrimination in order to maximize their profits.
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Explain the following factors that influence the choice of funding: risk
Risk is the major factor to consider when deciding the funding, when funds are provided it is a risk that whether the funds will be received or not.
What is Risk?Risk is the threat of being unable to receive the funds back, this is the highest level of risk, there are many small risks too, but the highest level is losing the money.
There could be a small portion of loss of money or sometimes the debtor completely defaults so not a single penny is retrieved.
Funding is a choice and the debtor should be chose according to the risk appetite of the investor or lender on money.
There are investors who are risk averse are not willing to take the risk and fine with the less amount of returns and there are risk takers, who want high returns in return of high risk of defaulting.
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Milton friedman argued that consumers are more likely to alter their behavior based on.
Milton Friedman argued that consumers are more likely to alter their behavior based on changes in the long-term changes in the economy.
About Milton Friedman :
Milton Friedman gave a economic theory called monetarism, that refer to the control of money in the economy. Friedman gave an idea that changes in the money supply have long-term and short term effects.
Friedman argued that consumer behavior is influenced by the long-term changes in the economy. Long term changes in economy influence consumer behavior in spending money for their goods. for example: If Long term changes in economy are positive then the consumption by consumers increases otherwise it will decrease.
Hence, the correct answer is "long-term changes in the economy."
The missing part of question is :
changes in the unemployment rate.
short-term changes in the economy.
long-term changes in the economy.
changes in the inflation rate.
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A(n) ________ is any change in the ownership of an organization that changes the legal existence of the organization.
Answer:
Dissolution is the answer.
A dissolution is any change in the ownership of an organization that changes the legal existence of the organization.
Dissolution of partnership firm is a process in which relationship between different partners of firm is dissolved or terminated.
If a relationship between all the partners of firm is dissolved at that time it is known as dissolution of firm. In case of dissolution of partnership firm, the firm may or may not ceases to exist
Process of dissolution includes the discarding and disposing of all the assets of firm or and settlements of all accounts, assets, and liabilities of the firm.
At the time of the dissolution of partnership firm the existing relationship between the partner’s changes. But, the firm continues its activities.
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The goods or services purchased by a business for immediate use in the production process are known as?
Intermediate inputs are the goods or services purchased by a business for immediate use in the production process. The items and services that are utilized in the manufacturing process to create other goods or services rather than being used for end use are known as an industry's intermediate inputs.
These include energy, raw materials, semi-finished products, and services that are obtained from all sources. It is equivalent to the sector's gross output minus value added . They might be changed or consumed during the production process. Land, labor, and capital are not considered intermediate inputs because they are fundamental inputs.
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Assume the sales mix consists of one unit of product x and one unit of product y. if the sales mix shifts to one unit of product x and two units of product y, then the breakeven point will ________
The breakeven point will increase ,when the sales mix shifts to one unit of product x and two units of product y. A product's actual sales mix % is calculated by dividing its actual sales by the sum of all sales of all items.
Sales mix is the percentage of a company's overall sales that come from just one product. The most frequent definition of sales mix is the share of a company's total sales that are attributable to a particular product.
The percentage of budgeted sales mix is calculated by dividing the number of units of a product sold by the total number of units of items sold in the budget.
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In a print advertisement, items used to identify the sponsor of the ad, such as the company logo or usp, are referred to as.
In a print advertisement, items used to identify the sponsor of the ad, such as the company logo or USP, are referred to as Brand elements
Advertising Management :
Advertising management is a planned managerial process designed to oversee and control the various advertising activities involved in a program to communicate with a firm's target market and which is ultimately designed to influence the consumer's purchase decisions. Advertising is just one element in a company's promotional mix and as such, must be integrated with the overall marketing communications program.
What are brand elements ?
Brand elements mean those elements, features, or traits that differentiate a brand from others. As mentioned earlier, the core purpose of these brand elements is to develop uniqueness in a competitive market. These elements may include slogans, logo, taglines, brand name, packaging, etc.
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The blank______ is usually accepted as a firm's cost of debt capital for wacc calculations. multiple choice question.
The promised yield to maturity on the firm's bonds is usually accepted as a firm's cost of debt capital for wacc calculations.
Meaning of Maturity is the quality or state of being mature, especially full development. Maturity is the state of having reached a stage of full or advanced development. A maturity is a noun form of mature.
Maturity is not a matter of age, but instead, of how you choose to respond and react to various life situations. It is essentially a level of mental development or wisdom that has a bearing on all areas of an individual's life, right from their conduct to their relationship with others.
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Pilar’s taco trucks sells about 400 various tacos per day for an average price of $5. on average, each tacos cost $3 (includes labor, materials and miscellaneous), pilar’s profit margin is?
Profit margin is $2 per taco
Given average price is $5 , cost of taco is $3 .
Profit margin is to be computed.
Profit margin measures how much money a firm or business activity produces by dividing income by revenues. Profit margin is generally expressed as a percentage, it represents how many cents of the profit are earned for every dollar of the sales.
Profit margin expresses a firm's or commercial activity's relative profitability by accounting for the expenses of producing and selling items. A profit margin is a measure of a company's earnings (or profits) relative to its sales in accounting and finance.
Profit margin = Profit per taco = Price - Cost of producing each taco
= 5 - 3
= $2 per taco.
Therefore, the profit margin is $2 per taco.
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The bpm development cycle is essentially a one-shot process where the requirement is to get it right the first time.
a. true
b. false
False, The bpm development cycle is essentially a one-shot process where the requirement is to get it right the first time.
Business process management (BPM), according to Gartner, is a discipline that uses a range of tools and methods to model, carry out, monitor, and optimize business processes.
A business process coordinates the behavior of people, systems, information, and things in order to produce business outcomes in support of a corporate strategy.
BPM focuses on creating an automated, standardized process for typical transactions and social interactions. It contributes to decrease the operational costs of the business by minimizing waste and duplication of work and increasing team productivity.
Businesses that employ BPM can choose from a variety of BPM methodologies, including Six Sigma and Lean.
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If there is a demand for more shares than are available at the offering price, the offering is said to be?
If there is a demand for more shares than are available at the offering price, the offering price is said to be overpriced.
This all happens due to the law of demand and supply.
The law of supply and demand is a theory that seeks to explain the relationship between the availability as well as the desire for a product, such as a security, and its relative price.
Typically, when the availability of shares in the market is low and the demand is high, it boosts the price of the shares in the market..
Alternatively when there is high availability of the shares and the demand for shares is very low then it leads to the reduction in its price.
The law affects the stock market by determining the prices of the individual stocks which make up the market.
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An ad for citrucel fiber supplement claimed that in a blind taste test, consumers preferred the taste of citrucel to metamucil 2 to 1. this ad is an example of ________ advertising.
An ad for Citrucel fiber supplement claimed that in a blind taste test, consumers preferred the taste of Citrucel to Metamucil 2 to 1. this ad is an example of comparative advertising.
What is a Comparative advertising?
Comparative advertising can be described as a marketing strategy whereby company's product or service is been presented as superior with respect to that of its competitors.
It should be noted that in comparative advertising campaign , there could be printing of side-by-side comparison of the features of a company's products for the public.
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The budget at completion (bac) is the sum of all budgeted values established for the work to be performed on a project. as such it is equivalent to:______.
The budget at completion (bac) is the sum of all budgeted values established for the work to be performed on a project. as such it is equivalent to WBS component or a schedule activity. The total planned value for the project.
What is Budget at completion(BAC)?The term "budget at completion" (BAC) refers to a measurement that is frequently used in earned value management to compare actual project costs against predicted costs. It is determined at the beginning of a project depending on the work involved and each of its component parts. The "total budgets established for the task to be executed" are summed up as BAC. The BAC is the total budget that has been estimated for all the work that must be done throughout the course of the project, to put it simply.BAC can be used in conjunction with the Planned Value (PV) indicator to assess if the budget for the project is on track at a certain stage of its lifecycle.
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An asset is exchanged for another asset and no cash is exchanged in the transaction. The fair value of the assets are not determinable. At what amount should the new asset be recorded?
Book value of the asset given up less the cash received.
How Do Assets Work?An asset is a resource having economic worth that a person, organization, or nation owns or manages with the hope that it may someday be useful. A company's balance sheet lists its assets. They are divided into current, fixed, financial, and intangible categories.
They are acquired or produced to raise a company's worth or enhance its operations. Whether it's a piece of manufacturing equipment or a patent, an asset can be looked at as anything that can, in the future, increase sales, lower costs, or generate cash flow.
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An optimal plan for minimizing the cost of allocating capacity to meet demand over several planning periods"" best describes __________.
"An optimal plan for minimizing the cost of allocating capacity to meet demand over several planning periods" best describes the transportation method.
The Transportation Method of linear programming is used to solve issues pertaining to the analysis of effective transportation routes, i.e., how effectively the product from various production sources is delivered to various destinations, such that the overall transportation expense is kept to a minimum.
The transportation strategy is a special one that can only be used to handle a certain kind of problem, as when it's important to maximize profit or minimize cost when transporting items from a number of M despatch locations to a number of N receiving points.
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In which of the five basic supply chain activities do you support customers and product returns?
In returns of the five basic supply chain activities customers and product returns. Five characteristics or elements can be thought of as being present in supply chain management in order to assure sustainability and efficacy.
Unavoidably, customers will want to return items. This could occur for a variety of reasons, such as damage, noncompliance with quality standards, defective products, products that are past their expiration dates or are close to doing so, or products that were delivered in the wrong quantity or with the incorrect products.
The process of returning an item and receiving a refund are both critical to the customer experience.
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The value of what businesses provide to other businesses is captured in the final products at the end of the __________ chain.
The required answer is production.
Production:
Producing something is the act of creating something out of components or raw resources. To put it another way, production employs inputs to produce an output that is fit for consumption—a good or product that has value for a customer or end-user.One of the most crucial steps in the manufacturing process, production is fundamental to what it means to be a manufacturer. Without this activity, no finished goods would be produced, leaving no products for buyers to purchase.The purpose of production is to provide the economy with commodities and services. Land is the primary factor of production, but term also refers to any other natural resource that is used to create commodities and services. This includes everything that comes from the land, not just the land itself.Learn more about production here brainly.com/question/24481793
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Nora is deaf and works at a busy coffee shop as a barista. her main duties include standing at the drive-thru window, taking customers’ payments, and handing them their beverages. what are two reasonable accommodations that her employer might implement to make it easier for her to successfully do her job?
One accommodation that her employer can implement is that whenever a customer has a question of some sort that another employee is available to take over and answer the question.
Another accommodation that her employer could could simply have a system where they can not only communicate with the customers but also hand them over without any complications.
How do employees communicate with customers?7 Rules for Effective Customer Service CommunicationPersonalize the interaction. ...Avoid negative phrases. ...Use positive language with a touch of empathy. ...Listen closely and avoid interrupting the customer. ...Use consistent brand vocabulary. ...Give thorough answers to technical questions. ...Make communication clear and concise.What is effective communication in the workplace?Exchanging information and ideas within an organization is called workplace communication. However, effective communication occurs when a message is sent and received accurately. In every aspect of life (both professional and personal), effective communication is important to success and happiness.
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https://brainly.com/question/20479271#SPJ4A person who consumes a good without paying for it is known as a(n) __________. rival utility maximizer producer free ride.
A person who consumes a good without paying for it is known as a free rider.
The free-rider problem is a type of market failure which occurs when those who benefit from resources, public goods such as public roads or hospitals, or services of a communal nature do not pay for them or pay less.
Free riders are a problem because while not paying for the good either directly through fees or different tolls or indirectly through taxes, they may continue to access or consume it.
Thus, the goods may be under-produced, overused or degraded. Additionally, it has been shown that despite the evidence of that people tend to be more cooperative by nature, the presence of free-riders cause this prosocial behaviour to deteriorate.
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When an individual who is insured under a disability income policy cannot perform one or more of his or her regular job duties, this is known as?
When a person insured under a disability income insurance policy cannot, for limited period of time, perform all functions of his or her regular job duties, this is known as Residual disability or Partial disability.
"Residual disability" is the inability to do one or more job duties or to execute them as regularly as previously, along with a loss of pre-disability income.
Residual disability policies compensate based on lost income. These insurance offer benefits if you can work part-time and aren't entirely disabled. The benefit is dependent on your part-time income compared to your full-time salary.
Depending on the policy, a person receiving residual disability payments may receive a reduced benefit or none at all if her monthly income exceeds a specific proportion of pre-disability income. Some programs require entire disability before granting residual disability benefits. You can buy a residual policy as a stand-alone income replacement policy or as a rider on a total disability policy. Income replacement is cheaper than total disability. Partial and residual disability insurance are comparable. Both pay benefits if you can accomplish some job requirements.
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AcquirerCo purchases TargetCo by issuing $80,000,000 in debt at an 8% rate. TargetCo has $6,500,000 in EBIT and AcquirerCo can recognize $2,000,000 in synergies and has a 40% marginal tax rate. An analyst covering AcquirerCo estimates its standalone earnings per share at $2.75 per share on 25,000,000 shares. What are AcquirerCo's pro forma earnings per share after the transaction
AcquirerCo's pro forma earnings per share after the transaction is $2.8.
Earnings per shareUsing this formula
Pro forma EPS = Pro forma Net Income / AcquirerCo shares outstanding. Pro forma Net Income = AcquirerCo Net Income + TargetCo after-tax EBIT + after-tax synergies - after-tax interest expense.
First step
AcquirerCo Net Income = $2.75 EPS estimate x 25,000,000 outstanding shares
AcquirerCo Net Income = $68,750,000
TargetCo after-tax EBIT = $6,500,000 x (1 - 40% tax rate)
TargetCo after-tax EBIT = $3,900,000
After-tax synergies = $2,000,000 x (1 - 40% tax rate)
After-tax synergies = $1,200,000
After-tax interest expense to finance deal = $80,000,000 x 8% cost of debt x (1 - 40% tax rate)
After-tax interest expense to finance deal = $3,840,000
Second step
Pro forma Net Income= $68,750,000 + $3,900,000 + $1,200,000 - $3,840,000
Pro forma Net Income = $70,010,000
Third step
Pro forma EPS = $70,010,000 Net Income / 25,000,000 shares
Pro forma EPS = $2.8
Therefore AcquirerCo's pro forma earnings per share after the transaction is $2.8.
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To make a trade in a barter economy requires:____.
a. currency.
b. a check.
c. scrip.
d. a double coincidence of wants.
To make a trade in a barter economy requires a double coincidence of wants. Barter economy is a cashless economic system where goods and services are exchanged at agreed-upon prices. One of the earliest forms of economies is barter, which predates both monetary systems and written history.
Barter may be used effectively in practically any industry. Informally, people sometimes engage in barter and other reciprocal system without ever considering them to be such. For instance, when offering web design or tech help to farmer or baker in exchange for veggies or baked goods, the traders must have mutually compatible wants.
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Monopolistically competitive firms ________ earn profits in the long run due to ________.
Monopolistically competitive firms can earn profits in the long run due to dominating the market.
What are Monopolistic competitions?Monopolistic competitions can be regarded as theone that are characterizes as an industry whereby many firms offer products or services that are similar .
In this case, this product are substitutes , and they have Barriers to entry and exit in a monopolistic competitive industry .
It should be noted that Monopolistically competitive firms can earn profits in the long run due to dominating the market.
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The agency that develops and manages tourism policy for the United States is the
DOT
FHWA
NTTO
UNWTO
Answer:
NTTO
Explanation:
The National Travel and Tourism Office is the official U.S. government source for travel and tourism statistics
A company's human resources (hr) department wants to find out what proportion of the company's 1,500 employees regularly visit the in-office recreational room. throughout a week, hr assistants randomly handed out surveys to employees as they entered the office building every day, until 400 different employees confirmed or denied they visited the recreational room on a regular basis. the survey found that over 30% of the employees who completed the survey visit the recreational room on a regular basis. which assumption can be made regarding the proportion of all the employees who visit the recreational room on a regular basis?
The assumption which can be made regarding the proportion of all the employees who visit the recreational room on a regular basis is option B. The approximate proportion of all employees who visit the recreational room will be similar to the sample proportion because the sample accurately represents the population.
What is a recreational room?A recreation room (also known as a rec room, rumpus room, play room, playroom, games room, or ruckus room) is a room used for a variety of purposes, such as parties, games and other everyday or casual activities.
Therefore, the correct answer is as given above
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The complete question goes thus:
A company's human resources (hr) department wants to find out what proportion of the company's 1,500 employees regularly visit the in-office recreational room. throughout a week, hr assistants randomly handed out surveys to employees as they entered the office building every day, until 400 different employees confirmed or denied they visited the recreational room on a regular basis. the survey found that over 30% of the employees who completed the survey visit the recreational room on a regular basis. which assumption can be made regarding the proportion of all the employees who visit the recreational room on a regular basis?
А. No assumptions can be made about the approximate proportion of all employees who visit the recreational room because the sample is blased.
B. The approximate proportion of all employees who visit the recreational room will be similar to the sample proportion because the sample accurately represents the population.
C. The approximate proportion of all employees who visit the recreational room will be greater than the sample proportion because it is a larger group of employees.
D. No assumptions can be made about the approximate proportion of all employees who visit the recreational-room because the sample size is too small.
The price elasticity of a good will tend to be larger:a)the longer the relevant time period. b)the fewer number of substitute goods available. c)if it is a staple. d)if it is relatively inexpensive
The price elasticity of a good will tend to be larger if the fewer number of substitute goods will be available.
The cross elasticity of demand for substitute goods is always positive because the demand of one good increases at the time when the price for the substitute good increases however the cross elasticity of demand for complementary goods is always negative.
For example, if the price of coffee rises, the quantity demanded for tea which is the best substitute of coffee beverage will increase as consumers will switch to a less expensive but the substitutable alternative.
This is reflected in the cross elasticity of the demand formula, as both the numerator which is the percentage change in the demand of tea and denominator which is the price of coffee shows a positive increase.
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A(n) _______ is a legal agreement that helps to protect a lender if a borrower does not make required payments on notes or bonds. This agreement gives the lender the right to be paid from the cash proceeds of the sale of the borrower's assets, as identified in the agreement.
A mortgage is a legal agreement that helps to protect a lender if a borrower does not make required payments on notes or bonds.
A mortgage is an agreement between you and a lender which gives the lender the right to take your property if you fail to repay the money you have borrowed plus the added interest. Mortgage loans are used in order to buy a home or to borrow money against the value of a home you already own.
A mortgage is a necessity if one cannot pay the full cost of a home out of their pocket at a given time period. For instance, investors sometimes mortgage properties to free up their funds for other investments.
Hence, a mortgage is considered a legal agreement.
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The sequence of work for a job is also known as its:_____
a. load.
b. path.
c. routing.
d. trajectory.
The sequence of work for a job is also known as its: routing.
Hence the correct option is, c. routing.
There are principles for work sequencing that decide which tasks should be completed first by giving each one a priority. This procedure takes care of any scheduling problems that can cause inefficiency.
Manufacturers and schedulers can construct production plans that are as efficient as possible by using job sequencing rules. The direction of your business performance is decided by your production schedule. Jobs and orders will be finished in the period promised if the production schedule is streamlined.
To assist manufacturers and schedulers in developing productive production schedules, job sequencing rules have been developed. Our production schedule determines how well we firm will perform. Jobs and orders will be finished in the allotted amount of time thanks to an improved manufacturing plan.
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Which technique is not usually employed in analyzing oligosaccharides and polysaccharides?
The SDS-PAGE technique is not usually employed in analyzing oligosaccharides and polysaccharides. While polysaccharides often contain several monosaccharides linked together by the glycosidic bonds, oligosaccharides normally contain only a few sugars, usually 3 to 15, bound together by glycosidic linkages. The Water is a byproduct of the dehydration event that creates glycosidic linkages.
The Monosaccharides, which are little sugar molecules, are the building blocks for both oligosaccharides and polysaccharides. The fundamental distinction between oligosaccharides and polysaccharides is the number of monosaccharides that go into making an oligosaccharide, as opposed to the number of monosaccharides that go into making a polysaccharide.
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