The reason credit cards not included in the money supply is the Federal Reserve incorporates financial assets like funds and deposits when determining the money supply. Credit card debts, on the other hand, are liabilities. A credit card is a small, rectangular piece of plastic or metal that is issued by a bank or other financial institution and enables its holder to borrow money to pay for products and services.
At businesses that accept credit cards. Credit cards impose the need that cardholders repay the borrowed funds, plus any applicable interest and any other agreed-upon charges, in full or over time, either by the billing date or at a later date.
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Under sec release ia-1092, a financial planner would not be considered an investment adviser when:_____.
A financial planner could not be considered a funding adviser while: “completely incidental to the conduct of his commercial enterprise as a broker or provider and who gets no special repayment, therefore”
Further, "recommendation", does not consist of an analysis or document on a monetary product with none express or implied recommendation, steerage, or notion that any specific transaction in appreciate of the product is suitable to the specific investment targets, economic state of affairs, or unique wishes of a patron.
An economic planner allows clients to manage their cutting-edge cash needs and attain their long-time period monetary desires. Their consciousness may be huge or slim. a few help customers with many aspects of their financial lives, including financial savings, investments, coverage, retirement savings, university financial savings, taxes, and property-making plans.
Someone whose task is to propose to humans how to manipulate their monetary preparations: expert monetary planners allows you to make informed choices approximately your economic destiny. She sooner or later studied to come to be an authorized economic planner to assist customers to deal with a vast spectrum of economic issues.
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Clarissa's boss asked her to determine if their company is operating with too many borrowed funds. which ratio will clarissa utilize to help her with her decision?
The leverage ratio will Clarissa utilized to help her with her decision.
A leverage ratio is any one of numerous economic measurements that look at how lots of capital comes within the shape of debt (loans) or assesses the ability of an organization to satisfy its economic duties.
A financial leverage ratio of less than 1 is commonly taken into consideration true by means of industry requirements. A leverage ratio higher than 1 can purpose an agency to be considered volatile funding by using creditors and ability investors, while a monetary leverage ratio better than 2 is the purpose for challenge.
A leverage ratio is any one of numerous economic measurements that assesses the potential of an enterprise to meet its economic responsibilities. A leverage ratio will also be used to measure an employer's blend of running expenses to get a concept of ways changes in output will have an effect on working income.
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The leverage ratio will Clarissa utilized to help her with her decision.
A leverage ratio is any one of numerous economic measurements that look at how lots of capital comes within the shape of debt (loans) or assesses the ability of an organization to satisfy its economic duties.
A financial leverage ratio of less than 1 is commonly taken into consideration true by means of industry requirements. A leverage ratio higher than 1 can purpose an agency to be considered volatile funding by using creditors and ability investors, while a monetary leverage ratio better than 2 is the purpose for challenge.
A leverage ratio is any one of numerous economic measurements that assesses the potential of an enterprise to meet its economic responsibilities. A leverage ratio will also be used to measure an employer's blend of running expenses to get a concept of ways changes in output will have an effect on working income.
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The gold standard emerged at the center of the international monetary system in the ___________ until the first world war
The gold standard emerged at the center of the international monetary system in the 1880s until the first world war.
A monetary standard under which the basic unit of currency is the same in fee to and exchangeable for a precise quantity of gold.
National money and other sorts of cash (bank deposits and notes) were freely converted into gold on a fixed price. England followed a de facto gold fashionable in 1717 after the master of the mint, Sir Isaac Newton, overrated the guinea in terms of silver, and formally adopted the gold widespread in 1819.
The gold standard was the basis for the global monetary system from the 1870s to the early 1920s, and from the overdue Twenties to 1932 in addition to from 1944 till 1971 while America unilaterally terminated convertibility of america greenback to gold overseas important banks, efficaciously ending the Bretton Woods.
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A bank’s reserve ratio is 10 percent and the bank has $5,000 in deposits. Its reserves amount to?
The reserves amount is $500.
What are reserves amount?
The reserves amount means the portion of deposits the bank has received from customers that it must hold on to and not give out as loans to its borrowers, it is usually a percentage of the deposits made by the bank as it is 10% of total bank's deposits in this case.
The reserves amount is mandatory cash the bank must keep as required by the supervisory bank such as the central banks.
It is compulsory, so as to make provisions for unexpected withdrawal requests that depositors could make so as to avoid a situation the bank runs out of cash , where cash is non-available to meet the requests of depositors for funds kept with the bank.
reserves amount=reserve %*deposits
reserve ratio=10%
deposits=$5,000
reserves amount=10%*$5,000
reserves amount=$500
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Inge industries received $3,000 from a customer for services rendered and not previously recorded. inge's general journal entry to record this transaction will be:_____.
Inge industries received $3,000 from a customer for services rendered and not previously recorded. inge's general journal entry to record this transaction will be Debit cash, credit Services Revenue.
An account for revenue (or money) is called service revenue. It is the first item in the body of a service business's income statement.
It is significant to highlight that client or customer advanced collections are not yet regarded as service revenue. Only once the services are provided do they constitute a portion of service income.
Services that have already been provided but for which fees have not yet been paid are regarded as service revenue.
This is consistent with accounting's accrual approach. Regardless of when payment is received, service income is recognized when it is earned. When the services are provided or carried out, it is earned.
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What is the velocity of money in this economy?
The Money exchange rates in an economy are gauged by the concept of velocity of money. GDP is divided by the money supply using the velocity of money equation. The velocity of money formula calculates how frequently one unit of the money supply is exchanged for goods and services within an economy.
The rate at which money in circulation is spent on goods and services can be determined by looking at the velocity of money. Investors and economists use it to assess the strength and vitality of an economy. A healthy, growing economy is typically correlated with high money velocity.
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A loan with fixed, equal, monthly payments, made up of principal and interest, and the amount owed (principal) is eventually paid off, describes a(n):_______
A loan with fixed, equal, monthly payments, made up of principal and interest, and the amount owed (principal) is eventually paid off, describes as an amortized loan.
A loan that has planned, monthly payments that are applied to both the principal and interest accrued is known as an amortized loan. An amortized loan payment is one that reduces the principal amount of the loan after paying off the relevant interest expense for the period.
Auto, housing, and personal bank loans for small projects or debt consolidation are examples of common amortized loans. A loan that is amortized requires the borrower to make regular payments that are divided equally between the principle and interest.
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The better-off test for evaluating whether a particular diversification move is likely to generate added value for shareholders involves assessing whether the move will:______.
The better-off test for evaluating whether a particular diversification move is likely to generate added value for shareholders involves assessing whether the move will make the company better off because it will produce a greater number of core competencies. This is further explained below.
What are shareholders?Generally, A person, company, or institution that owns shares in a company's stock is considered to be a shareholder in that company. A shareholder in a firm might own as little as one of the company's shares. Shareholders are considered residual claimants on a company's earnings, and as such, they may be entitled to capital gains (or losses) and/or dividend payments.
In conclusion, Assessing whether a specific diversification move is likely to create more value for shareholders requires determining whether or not the move will make the firm better off since it will develop a higher number of core competencies. This is known as the better-off test.
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If the quantity of loanable funds supplied exceeds the quantity of loanable funds demanded, there is a Group of answer choices surplus and the interest rate is above the equilibrium level. surplus and the interest rate is below the equilibrium level.
If the quantity of loanable funds supplied exceeds the quantity of loanable funds demanded, there is a surplus and the interest rate is above the equilibrium level.
What does it mean when there is a surplus of loanable funds?If the quantity of loanable funds supplied exceeds the quantity of loanable funds demanded, it means that there are loanable funds available in the market and no one wants to borrow them. Interest rate above the equilibrium level is a reason for this situation.
Interest rate is the rate the lender requests the borrower to pay for use of her funds. When there is an excess supply of loanable funds, interest rate would decline unit the equilibrium interest rate is reached. At equilibrium, the supply of loanable funds is equal to the demand for loanable funds.
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The current account deficit can result from:______
a. unusually low saving.
b. unusually high investment.
c. neither a nor b.
d. a, b, or a combination of a and b.
The current account deficit can result from unusually high investment.
What is investment?The dedication of an asset to achieve a gain in value through time is referred to as investment. Investment necessitates the sacrifice of a current item, such as time, money, or effort. The goal of investing in finance is to earn a return on the invested asset.
Income investing is an investment approach that focuses on constructing an investment portfolio that is expressly designed to provide recurring income. The income investing strategy's main goal is to generate a consistent stream of income.
The type of investor you are and how you should make investments are determined by your investing personality. Your investing personality is essentially your financial risk profile, which considers aspects such as age, financial history, circumstances, and investment aspirations.
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Katrina and shannon form a general partnership to operate a gourmet kitchen business. in most states, if they do not specify their respective management rights:___.
The answer is both the partners will have equal management rights.
Unless otherwise agreed, the partners of a partnership have equal managerial rights in the management of its affairs. Partnerships are often created by a group of partners who share administrative rights and responsibilities as well as profit distribution.
Until otherwise agreed, the partners of a partnership have equal managerial rights in the management of its affairs. Partnerships are often created by a group of partners who share administrative rights and responsibilities as well as profit distribution. Limited partners, on the other hand, are just investors who put money into the partnership business but have no say in how it operates. They have no say in the company's management or functioning.
Therefore, the answer is equal management rights.
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Using the accounting equation, stockholders' claims on the resources of the corporation can be expressed as?
Stockholders' declarations on the resources of the corporation can be expressed as assets and liabilities.
Assets and liabilitiesIn its easiest form, your balance sheet can be divided into two form-assets and liabilities. Assets are the things your company owns that can deliver future economic benefits. Liabilities are what you owe other groups. In brief, assets put money in your pocket, and liabilities carry money out.
In further words, assets are objects that benefit a company economically, such as inventory, buildings, and cash. They aid a business manufacture goods and providing services, now and in the future. Liabilities are a company's responsibilities—either money owed or services not yet performed.
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When recording a sales transaction, would jolly superstore use the 'sales revenue' field or the 'total invoice' field for total revenue?
When recording a sales transaction, the jolly superstore would use the sales revenue field.
Recording sales means to enter information about sales revenue into the accounting records so that it reflects accurate balances in affected accounts. Thus, sales revenue field refers to sales amount excluding the sales taxes.
Sales revenue can be calculated by multiplying the number of products or services sold by the price per unit. This sales revenue amount is realized by a business from the sale of its goods or services.
Hence, the sales revenue field is used by the jolly superstore while recording a sales transaction.
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Allen agrees to paint Carolyn's house for $5,000. Two days after he starts the job, he decides that $5,000 isn't enough money. He refuses to finish the job, unless Carolyn agrees to pay him $1,000 more. Carolyn later refuses to pay the $1,000 and Allen sues. Will he win
No, if Carolyn later refuses to pay the $1,000 and Allen sues. Allen will not win.
Legal caseAndrew will not will the case in a situation were he sue Carolyn's.
The reason why will not will the case is that Allen has already be obligated to paint Carolyn's house and he gives no extra consideration in return for Carolyn's promise to pay more or additional money.
Therefore based on the given scenario, if Carolyn later refuses to pay the $1,000 and Allen sues. Allen will not win.
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If the reserve ratio is 5% and the change in reserves is $10 billion, then the money multiplier is _____ and the change in the money supply is _____. Please choose the correct answer from the following choices, and then select the submit answer button. Answer choices 1; $5 billion 20; $200 billion 12.5; $187.5 billion 5; $40 billion
The money multiplier is 20 and the change in the money supply is $200 billion.
What is the money multiplier and change in money supply?
The money multiplier is the inverse of the reserve ratio. Reserve ratio is the percentage of deposits that is required of commercial banks to keep as reserves. The lower the ratio, the higher the increase in money supply.
Money multiplier = 1 / reserve ratio
1/5%
1 / 0.05 = 20
The change in money supply is the product of the money multiplier and the change in reserve.
Change in money supply = money multiplier x change in reserves
20 x $10 billion = 200 billion
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In ______ feedback, the receiver provides nonevaluative information to the communicator.
In informational feedback, the receiver provides non-valuative information to the communicator.
Feedback in the context of communication refers to a reaction from the recipient that informs the communicator of the message's effectiveness and whether it needs to be amended.
Alternatively said, feedback is the message's reception by the recipient
Corrective feedback is when the receiver challenges the initial communication in response to informational feedback, which is when the receiver provides non-evaluative information to the communicator.
Reinforcing feedback occurs when the recipient expresses explicitly that she has understood the message and its goals.
Hence, in informational feedback, the receiver provides non-valuative information to the communicator.
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An initial decrease of the ad curve will precipitate an additional _______ due to the multiplier process.
Answer is additional decrease of AD curve.
The aggregate demand curve depicts the total amount of products (and services) demanded by the economy at various price levels.
As aggregate demand components—consumption spending, investment expenditure, government spending, and spending on exports minus imports is increase, the aggregate demand curve, or AD curve, moves to the right. As these components decline, the AD curve will move back to the left.
Since the output falls as the price level rises, and the aggregate demand (AD) curve slopes downward. Changes in the autonomous spending components can cause the AD curve to alter. The government can also adjust the AD curve through policy actions.
Therefore, the answer is decrease of the AD curve due to the multiplier process.
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The weekly demand for an item in a retail store follows a uniform distribution over the range 70 to 83. What would be the weekly demand if its corresponding computer-generated value is 0. 5?
The weekly demand would be 76.5. Demand is an economic concept that refers to a consumer's desire to buy goods and services as well as their willingness to pay a certain price for items.
When the price of a good or service rises, the quantity demanded falls. To meet demand, multiple stocking strategies are frequently required. Similarly, lowering the price of items or services raises the quantity demanded.
Demand is a concept that both consumers and businesses are familiar with because it makes sense and occurs naturally throughout almost any day. When prices rise, such as when the seasons change, shoppers buy fewer items, or none at all.
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What is meant by the skill-bias technological explanation of increasing inequality?
Inequality has increased because technological progress over the past 40 years has complemented the productivity of skilled workers relative to unskilled workers.
Summary. A change in skilled technology is a change in production technology that favors skilled over unskilled people by increasing relative productivity and thus increasing relative demand.
The influential Skill-Biased Technological Change (SBTC) statement argues that technology will increase demand for skilled workers, allowing them to demand higher wages.
Technological change by factors means that productivity growth varies between countries with different skills and capital levels per worker.
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One technique associated with total quality management (tqm) is the use of ongoing training to achieve:_____.
One technique associated with total quality management (tqm) is the use of ongoing training to achieve continual improvement.
An company, product, or service is consistently functional thanks to quality management. Quality planning, quality assurance, quality control, and quality improvement are its four key parts. The goal of quality management is to improve both the product and service quality as well as the methods utilized to do so.
In order to sustain a desired degree of excellence, all necessary activities and tasks must be managed for quality. This comprises formulating a quality strategy, coming up with and carrying out quality assurance and planning, as well as quality control and improvement.
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The government can use _____________ in the form of ____________________ to increase the level of aggregate demand in the economy.
The government can use an expansionary fiscal policy in the form of an increase in government spending to increase the level of aggregate demand in the economy.
How can the government increase aggregate demand?
Some typical ways fiscal policy is used to increase aggregate demand include tax cuts, military spending, job programs, and government rebates.
In contrast, monetary policy uses interest rates as its mechanism to reach its goals.
How do you increase aggregate supply?
In the short run, aggregate supply responds to higher demand (and prices) by increasing the use of current inputs in the production process.
In the short run, the level of capital is fixed, and a company cannot, for example, erect a new factory or introduce a new technology to increase production efficiency.
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A company plans to develop iot solutions for both horizontal and vertical markets. what is the major difference in designing solutions for different industries?
The major difference is solutions for a horizontal market industry should meet general needs across the industry, whereas solutions for a vertical market industry should meet the specialized needs of the industry.
A horizontal market is varied such that the goods produced may satisfy the demands of multiple industries. A horizontal market is one in which the output good or service is extensively used and in high demand, posing a low risk to the producers in terms of output demand.
Given that their products are widely used, internal factors rather than external ones influence the profitability of businesses that produce commodities for horizontal markets. The need for pens across all sectors of the economy is an illustration of a horizontal market.
Since pens are utilised in almost every industry, internal decisions and circumstances rather than external events determine the success or failure of pen companies.
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In a small open economy with a fixed exchange rate, if the central bank tries to increase the money supply, then in the new short-run equilibrium?
Income will remain constant in the new short-run equilibrium.
What are small open economies and fixed exchange rates?A small open economy (SOE) is an economy that participates in international trade but is small enough in comparison to its trading partners that its policies have no effect on global prices, interest rates, or revenue.A fixed exchange rate, also known as a pegged exchange rate, is a type of exchange rate regime in which a monetary authority fixes or pegs the value of one currency against the value of another currency, a basket of currencies, or another measure of worth, such as gold.Relation between app open economy and fixed exchange rates:
A fixed exchange rate aids in the easy transfer of funds from one country to another. It aids smaller and developing countries in attracting foreign investment.If the central bank attempts to expand the money supply in a small open economy with a fixed exchange rate, income will remain constant in the new short-run equilibrium.Therefore, income will remain constant in the new short-run equilibrium.
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Which media selection consideration relates to the percent of target audience exposed to the ad at least once during a specified period
The media selection consideration that relates to the percent of target audience exposed to the ad at least once during a specified period is Reach.
What is an advertisement's reach?The reach of an ad refers to just how much of the audience that it was meant to reach have been reached.
This can further be broken down as the percentage of people that were meant to be reached by an ad that were actually reached. A higher reach means that the advertisement was successful.
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For countries participating in a regional trading agreement, what makes this type of agreement significant to the countries involved?
For countries participating in a regional trading agreement, the type of agreement signed by the countries involved is to eliminate barriers to the movement of labor, goods, and capital across those countries involved in it.
A pact that is signed by two or more nations to promote the unrestricted flow of goods and services across their boundaries is referred to as a regional trading agreement.
The pact includes internal regulations that the member nations abide by among themselves. There are external regulations in place that the members abide by when interacting with non-member nations.
Trade agreements provide benefits to member nations, primarily in the form of increased job possibilities, decreased unemployment rates, and expanded market prospects.
Additionally, because investment guarantees are frequently included in trade agreements, investors who want to put money into developing nations are shielded from political risk.
Businesses in member nations have more incentives to expand into new markets because of the favorable trading circumstances brought about by the policies adopted.
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Using the value-to-book version of the residual income valuation approach, the value-to-book ratio is determined as________.
Using the value-to-book version of the residual income valuation approach, the value-to-book ratio is determined as one plus the present value of future residual ROCE.
Residual income is the earnings an individual has left in spite of everything private debts and prices are paid in personal finance. Residual earnings are the extent used to assist determine the creditworthiness of an ability borrower.
Basically, it's for the amount of cash that is left over after making the important bills. Residual income is a crucial metric because it is one of the figures that banks and lenders observe earlier than approving loans.
In monetary surroundings, residual earnings are the money that someone has left over after their charges are included every month. Passive earnings, but, nevertheless has the identical definition in a financial environment that it does in online commercial enterprise surroundings.
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Standard work defines who, what, when and where work is to be performed.
a. true
b. false
True, Standard work defines who, what, when & where the work is to be performed.
Standard work is a thorough description and documentation of the current most effective way to create a good or service to be performed. It deconstructs current state work into the components and qualities required to comprehend and execute a procedure repeatedly. One of the cornerstones of lean manufacturing is this. Standard work is how you want your employees to perform the task. The primary process steps, operator practices, work locations, equipment or technology employed, production sequencing, safety considerations, and quality checks are just a few examples of the various components that make up standard work. Additionally, it specifies where and how much stock there is in the system.
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________ appeals help consumers make purchase decisions by offering factual information that encourages consumers to evaluate the brand favorably on the basis of the key benefits it provides.
"Informational" appeals help consumers make purchase decisions by offering factual information that encourages consumers to evaluate the brand favorably on the basis of the key benefits it provides.
What is informal appeals?A corporate message typically substitutes data and figures for a main notion. A business message should make sure to properly state any significant dates, locations, times, etc.
The powerful business report can be written as-
Business reports always are formally presented, impartial, and thoroughly researched. If the study focused on a specific issue or analyzes the actual quality of a whole organization, every data must be accurate and reliable.A business report must be objective, therefore stay away from stating to the reader how and where to feel in your descriptions. Let the sales statistics speak for itself, rather than saying something like "Sales were bad last quarter," if last quarter's sales were down. Person pronouns, such as "I believe we should invest that money," should also be avoided. A business report must to be objective and presented from the viewpoint of the company.To know more about parts of a business report, here
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Chris quit his job at furniture country because he felt he could find a better paying job at wood world. this is an example of:______.
Chris quit his job at furniture country because he felt he could find a better paying job at wood world. this is an example of Frictional unemployment. The Frictional unemployment results from voluntary changes in the employment within an economy. The Frictional unemployment is a given, even in a growing, stable economy.
Frictional unemployment refers to workers who decide to leave their current jobs in search of new ones and people who are just starting out in the workforce. It excludes employees who hold onto their existing position until they find a new one because, presumably, they are never unemployed.
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In a purchases journal, the total of the ________ column is not posted to the general ledger
In a purchases journal, the total of the Office Supplies DR column is not posted to the general ledger.
Office supplies cost is the amount of administrative materials charged to price in a reporting time period. Those items are charged to expense while used; or, if the value of supplies is immaterial, it's far charged to expense whilst the cost is initially incurred.
Office expenses, like workplace elements, are usually recorded as a fee in preference to an asset. Office prices are often intangible and consist of things including janitorial offerings, software subscriptions, office renovation, or even website maintenance.
A journal entry is an act of retaining or making facts of any transactions both financial or non-economic. Transactions are indexed in an accounting journal that indicates a corporation's debit and credit score balances. The journal entry can include numerous recordings, each of that's either a debit or a credit.
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