The project has a positive NPV of $76,445.
The NPV of a project that provides annual cash flows of $17,000 for ten years, with a cost of $76,000 today and a required return of 9%, can be calculated by subtracting the present value of the cost from the present value of the cash flows.
Calculations:
The present value of the cost is $76,000 / (1 + 0.09) ^ 10 = $46,876.
The present value of the cash flows is 17,000 x (1 - (1 / (1 + 0.09) ^ 10)) / 0.09 = $123,321.
Therefore, the NPV of the project is $123,321 - $46,876 = $76,445. This means that the project has a positive NPV of $76,445, and is likely to be a good investment.
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The shareholders' equity of Cedar Corporation includes the items shown below. The board of directors of Cedar Corporation declared cash dividends of $8 million, $20 million, and $150 million in its first three years of operation-2020 2021, and 2022, respectively. ($ in millions) Common stock $100 Paid-in capital-excess of par, common 980 Preferred stock, 8% 200 Paid-in capital-excess of par, preferred 555 The amount of dividends to be paid to preferred shareholders in each of the three years, assuming that the preferred stock is noncumulative and nonparticipating, is None of the other answers is correct.$8, $16, and $16, respectively.$8. $20, $20, respectively.$16, $16, and $16, respectively
The amount of dividends to be paid to preferred shareholders in each of the three years, assuming that preferred stock is noncumulative and nonparticipating, is $16, $16, $16, respectively. So, correct option is D.
The preferred stockholders have a fixed rate of return on their investment, typically in the form of dividends, before the common stockholders receive any dividends.
In this case, the preferred stock is noncumulative, meaning that any unpaid dividends in a given year do not accumulate to future years. It is also nonparticipating, which means that preferred stockholders do not share in any additional profits beyond their fixed dividend rate.
The amount of preferred dividends to be paid each year is calculated by multiplying the par value of the preferred stock by the fixed dividend rate, which is 8%. In this case, the par value of the preferred stock is $200 million, so the annual preferred dividend is
0.08 x $200 million = $16 million
Therefore, the amount of dividends to be paid to preferred shareholders in each of the three years is $16 million, as the preferred dividends are fixed and do not change based on the amount of common dividends declared.
The correct answer is option (d), which states that the preferred dividends for each year are $16 million.
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Please select the steps involved in GOMS. (Multiple answers possible) Measures. Selections. Operators. Goals. Methods. Options. What are some of the advantages of a Heuristic Evaluation? (Multiple answers possible) Combines well with other evaluations methods. Can be cheap. Simple to perform. Generates quantitative insights. Requires in-person user testing. Can be done by anyone. Why is it important to keep your audience in mind when you communicate research results? (Multiple answers possible) You need to make sure to tell everybody what they want to hear. It doesn't matter how great of an insight you have if no one understands it. Knowing what main takeaways and insights to communicate to the individual audience can increase stakeholder buy-in. It doesn't matter.
GOMS steps: Goals, Operators, Methods, Selections.
Advantages of Heuristic Evaluation: Can be cheap, Simple to perform, Combines well with other evaluation methods. Importance of audience in communicating research results: Knowing what main takeaways and insights to communicate to the individual audience can increase stakeholder buy-in.
GOMS (Goals, Operators, Methods, Selections) is a cognitive modeling technique used to analyze human-computer interaction. It involves breaking down tasks into these components to estimate task completion time and identify potential usability issues. Heuristic Evaluation is a usability inspection method where evaluators assess a system's user interface against a set of usability principles or heuristics. Advantages of heuristic evaluation include its cost-effectiveness, simplicity in execution, and compatibility with other evaluation methods, allowing for comprehensive usability assessments.
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Active listening is a process of communication in which the listener engages the speaker by repeating or rephrasing the speaker’s words; the listener may also mirror body language or _____.
apathetic behavior
tone of voice
nervous tics
hand gestures
Answer: tone of voice
Explanation:
Active listening refers to a process of communication whereby the speaker is engaged by the listener who repeats the words or statements heard.
Active listening involves the individual listening with all his or her senses and giving the speaker all the attention needed.
In active listening, the listener can mirror the body language or the tone of voice of the speaker. Active listening can be either acquired or developed through constant practice.
Sleep Problems Tied to Type 2 Diabetes Researchers report that women with sleeping difficulties are at increased risk for Type 2 diabetes. Scientists used data from 133,353 women who were generally healthy at the start of the study. During 10 years of follow-up, they found 6,407 cases of Type 2 diabetes. The researchers looked at four sleep problems: self-reported difficulty falling or staying asleep, frequent snoring, sleep duration of less than six hours & either sleep apnea or rotating shift work. Self-reported difficulty sleeping was associated with higher B.M.I., less physical activity, and more hypertension and depression. But even after adjusting for these and other health and behavioral characteristics, sleeping difficulty was still associated with a 22 percent increased risk for Type 2 diabetes. Compared to women with no sleep problems, those with two of the sleep conditions studied had double the risk, and those with all four had almost four times the risk of developing the illness. The senior author, Dr. Frank B. Hu, a professor of nutrition and epidemiology at Harvard, said that sleep problems are associated with excess secretion of two hormones: ghrelin, which increases appetite, and cortisol, which increases stress and insulin resistance. Both are linked to metabolic problems that increase the risk for diabetes. "And," he added, "it’s not just quantity of sleep, but quality as well" that is associated with these health risks.
QUESTIONS 1. State the key problem statement(s) of the study (use bullets - no more than half a page)
2. List the hypothesis(es) in this study
3. List the independent variables in this study (use bullets and describe the variables)
4. List the dependent variables in this study (use bullets and describe the variables)
5. List the control variables in this study (use bullets and describe the variables)
6. List possible benefits of analytics for this study (Hint: Analytics are what you did to test the hypotheses in your project)(use bullets – no more than a page)
7. List 2 examples of analytics you could do in this study - be specific in terms of the variables that you want to analyze in the study (use bullets – no more than a page)
8. Discuss causality vs. correlation in the study in context (use bullets – no more than half a page)
The researchers wanted to know if the four sleep problems (difficulty falling or staying asleep, frequent snoring, sleep duration of less than six hours and either sleep apnea or rotating shift work) were associated with a higher risk of type 2 diabetes in women.
The researchers studied a sample of 133,353 women who were generally healthy at the start of the study. They looked at their self-reported difficulty sleeping, frequent snoring, sleep duration of less than six hours and either sleep apnea or rotating shift work. Hypothesis(es) in this study: Women with sleeping difficulties are at an increased risk for type 2 diabetes.
The study found a correlation between sleep problems and type 2 diabetes, not causality. However, the researchers identified that sleep problems can cause an excess secretion of two hormones: ghrelin, which increases appetite, and cortisol, which increases stress and insulin resistance, that are linked to metabolic problems that increase the risk for diabetes.
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Mining Companies have a major role to play in facilitating and promoting the culture of equality and therefore eliminating Gender based violence from the workplace and communities that host/ border mining project developments. a) What are some of the reasons that you believe gender based violence has become so prevalent on mining sites and in surrounding communities. (5 marks) b) During the screening phase of an EIA project in Guyana concerns were raised by villagers in the area about "Increased incidences of sexual exploitation of indigenous women and young girls by people who have come into the communities to work for the company."
Gender-based violence has become prevalent on mining sites and in surrounding communities due to a combination of factors such as male-dominated work environments, social and economic inequalities, lack of awareness and education, limited access to support services, and a culture of impunity.
Gender-based violence on mining sites and in surrounding communities can be attributed to several reasons. Firstly, the mining industry is historically male-dominated, with a significant gender imbalance in the workforce. This power dynamic can perpetuate harmful attitudes and behaviors towards women, leading to increased incidents of violence.
Secondly, mining projects often bring rapid social and economic changes to communities, resulting in unequal power dynamics and social tensions. These changes can disrupt traditional gender roles and exacerbate existing gender inequalities, making women and girls more vulnerable to violence.
Thirdly, the lack of awareness and education about gender issues and violence prevention contributes to the prevalence of gender-based violence. Limited knowledge about consent, healthy relationships, and gender equality can perpetuate harmful norms and behaviors.
Furthermore, the remote locations of many mining sites can limit access to support services and justice systems. This lack of resources and infrastructure can prevent survivors from seeking help and perpetrators from being held accountable, perpetuating a culture of impunity.
Lastly, the overall culture and norms within the mining industry and surrounding communities play a significant role. If there is a lack of commitment from mining companies to prioritize gender equality, enforce policies against violence, and promote a safe and inclusive work environment, it can contribute to the prevalence of gender-based violence.
In conclusion, gender-based violence on mining sites and in surrounding communities is a complex issue influenced by multiple factors. Addressing this problem requires a comprehensive approach that involves creating gender-inclusive work environments, promoting education and awareness, strengthening support services, and holding perpetrators accountable. By actively working towards equality and addressing the root causes of violence, mining companies can play a crucial role in eliminating gender-based violence from their workplaces and the communities they operate in.
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The indirect approach to organizing negative messages opens with the reasons behind the bad news before presenting the bad news itself.
question 8 options:
true
false
It is a true statement that an indirect approach to organizing negative messages opens with the reasons behind the bad news before presenting the bad news itself.
What is an negative messages?This refers to a kind of letter, memo, news that conveys negative information which will likely to disappoint, upset or anger the reader, listener etc
However, the indirect approach of organizing these negative messages opens with the reasons behind the bad news before presenting the bad news itself.
Therefore, it is a true statement.
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what are the three categories of objectionable content that may cause a brand concern for advertisers?
The three categories of objectionable content that may cause a brand concern for advertisers include explicit content, violent content, and hateful or discriminatory content.
In summary, explicit content, violent content, and hateful or discriminatory content are the three categories of objectionable content that may cause brand concerns for advertisers.
1. Explicit content: This category includes sexually explicit materials, adult themes, and graphic depictions that are inappropriate for general audiences. Advertisers may be concerned that their brand's association with such content could harm their reputation or alienate potential customers.
2. Violent content: This category encompasses depictions of violence, gore, or cruelty, which may be distressing to viewers. Brands may worry that their advertisements placed alongside violent content could lead to negative perceptions or be seen as endorsing or promoting harmful behavior.
3. Hateful or discriminatory content: This category involves content that promotes or encourages hate, discrimination, or harmful actions based on factors such as race, religion, gender, or sexual orientation. Advertisers may be concerned that being associated with such content could damage their brand image and potentially offend or alienate customers.
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three categories of objectionable content that may cause a brand concern for advertisers are violent or graphic content, content related to hate speech or discrimination, and content related to illegal activities. Advertisers must be vigilant to avoid being associated with this type of content to prevent any negative impact on their brand reputation.
As advertising has moved online, the risk of a brand being associated with objectionable content has increased. There are three categories of objectionable content that may cause a brand concern for advertisers. The first category is violent or graphic content. This includes depictions of physical violence, gory or disturbing imagery, or content related to terrorism or extremist views. This type of content can be particularly harmful for brands that want to maintain a family-friendly image or appeal to a wide audience. Advertisers must be careful to avoid associating their brand with violent or graphic content to prevent any negative impact on their brand reputation.The second category is content related to hate speech or discrimination. This includes content that promotes racism, sexism, homophobia, or any other form of discrimination. This type of content can be particularly harmful for brands that want to be perceived as socially responsible or promote diversity and inclusivity. Advertisers must be vigilant to avoid being associated with hate speech or discriminatory content to avoid any negative backlash from consumers.
The third category is content related to illegal activities. This includes content that promotes or glamorizes illegal activities such as drug use, gambling, or fraud. This type of content can be particularly harmful for brands that want to maintain a reputation for ethical behavior or have strict legal guidelines to follow. Advertisers must be careful to avoid associating their brand with illegal activities to avoid any legal consequences or damage to their brand reputation.
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startups are fun and while they have inherent risks, they can often be more engaging to work in than a large corporation. some of the differences in working for a startup versus a corporation might include:
If you work in corporate, it's possible for someone else to quickly take your place, especially if you've only recently started. In contrast, you can eventually develop special knowledge and experience in a startup. The more experience you have, the more valuable you are to a startup.
An organization in its early phases of existence is referred to as a startup. Entrepreneurs that desire to create a product or service they think there is a market for launch startups. A startup is a business that has not been around for more than three to five years. making use of a cutting-edge/disruptive business approach or technology. aiming for a sizeable team and income growth. A small firm is more concerned with building and sustaining a steady and consistent revenue stream while a startup is more focused on fast growing and becoming a much bigger corporation. In no way are they attempting to scale up.
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The differences in working for a startup versus a corporation might include:
What determines the efficiency of an organization?
a. organization
b. mission
c. action plan
d. objectives
Answer:
I think it is A but I am not completly sure please tell me what the correct awnser if i am wrong
Explanation:
The discount points charged by a lender on a federal VA or FHA loan are a percentage of the:
A) sales price.
B) appraised price.
C) loan amount.
D) down payment.
The discount points charged by a lender on a federal VA or FHA loan are a percentage of the loan amount.
When obtaining a federal VA (Department of Veterans Affairs) or FHA (Federal Housing Administration) loan, lenders may offer borrowers the option to pay discount points. Discount points are upfront fees paid at closing to reduce the interest rate on the loan. These points are typically expressed as a percentage of the loan amount. For example, one discount point equals 1% of the loan amount. By paying discount points, borrowers can lower their interest rate and potentially save money over the life of the loan. The discount points charged are based on the loan amount, not the sales price, appraised price, or down payment.
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I give you loooots of points for this very important question......
Truth....or daaare???!
Answer:
truth
Explanation:
Answer:
Truth
Explanation:
What can a boosted post help an advertiser achieve?
A boosted post helps an adviser to connect with the audience and gain trust.
Boosted post is a kind of post that is used on social media platforms in order to enhance the page of the platform and to attract audience to the page. Boosted post can help better communication with the audience along with the increase in a greater number of messages, calls and texts. Boosted posts help for better advertisements of the product. For example, A Chocolate brand may use Boosted posts to gain audience as well as consumers. Boosted posts helps an adviser to be discovered among people, to establish a benchmark in the market and to gain more and more customers. It's a kind of marketing strategy used for publicity purpose.
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A company is examining two choices for moving its goods from the plant to its depots in eastern India: Truck and Rail. The relevant information is as follows: Transport lead time is 4 and 12 for Truck and Rail respectively. Transportation charges are Rs 30 and Rs 20. Shipment sizes in units are 500 and 5000 in both options. The company is planning to ship 20,000 units per year. The cost of the product is Rs 500 per unit. Assume the inventory holding/carrying cost is 20%. Which mode of transport should the company choose?
The company should choose rail transport as the mode of transportation for moving its goods from the plant to its depots in eastern India. The lower transportation charges and larger shipment size of rail transport offset the longer transport lead time, resulting in a lower overall cost for the company.
To determine the best mode of transport for the company, we need to consider the total cost associated with each option.
For truck transport:
Transport lead time = 4 days
Transportation charges = Rs 30
Shipment size = 500 units
Annual shipment = 20,000 units
Cost of product = Rs 500 per unit
Inventory holding cost = 20%
The total cost for truck transport can be calculated as follows:
Transportation cost = (Transportation charges * Annual shipment) / Shipment size = (30 * 20,000) / 500 = Rs 1,200
Inventory holding cost = (Annual shipment * Cost of product * Inventory holding cost) / 365 = (20,000 * 500 * 0.2) / 365 = Rs 547.95
Total cost = Transportation cost + Inventory holding cost = Rs 1,200 + Rs 547.95 = Rs 1,747.95
For rail transport:
Transport lead time = 12 days
Transportation charges = Rs 20
Shipment size = 5,000 units
Annual shipment = 20,000 units
Cost of product = Rs 500 per unit
Inventory holding cost = 20%
The total cost for rail transport can be calculated as follows:
Transportation cost = (Transportation charges * Annual shipment) / Shipment size = (20 * 20,000) / 5,000 = Rs 80
Inventory holding cost = (Annual shipment * Cost of product * Inventory holding cost) / 365 = (20,000 * 500 * 0.2) / 365 = Rs 547.95
Total cost = Transportation cost + Inventory holding cost = Rs 80 + Rs 547.95 = Rs 627.95
Comparing the total costs, we find that the total cost for rail transport is lower than that of truck transport. Therefore, the company should choose rail transport as the mode of transportation.
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A genuine free market requires restrictions on the ability of predator multinationals to create monopolies. True or False
Answer:
True
Explanation:
A free market, in normal terms does not permit the formation of monopolies seen as competition, and is also one of the characteristics of market that is free that are not obstructed, pure, by any involvement or interference from the government.
Therefore there is a possibility for predator multinationals to create or form monopolies.
How can you get your money back if you send a p2p payment to the wrong person?.
When a payment is sent to the wrong person using p2p, the money cannot be gotten back since it is equivalent to giving money to a wrong account. However, the person can lay a complaint to the customer service to take action.
What is P2P Payment?P2P payment is a system of payment where money is sent to another member of the crypto community in exchange for a coin to be sent to the individual's wallet. It is equivalent to giving someone cash.
When a user mistakenly sends money to the wrong person, the money cannot be gotten back. But if the sender has the details of the wrong receiver, an appeal can be made for the money to be reversed. However, if this is not the case, then the money would have to be forfeited.
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Which of these are examples of a pure Pigouvian tax? Check all that apply.
Question 1 options:
Cigarette tax at 1 cent per cigarette
A slowly rising carbon fee and dividend beginning at $10 per metric ton of CO2 emitted to set a market signal
A tax on manufactures of nicotine to account for environmental and social costs of the nicotine product
A tax per metric ton of NOx emissions at the source that accounts for environmental and social costs of NOx emissions
Sales tax
A Pigouvian tax is a tax that is imposed on an economic activity to counteract or correct market failures arising from negative externalities. These negative externalities are costs imposed on third parties who are not directly involved in the activity.
Here are the examples of a pure Pigouvian tax:Cigarette tax at 1 cent per cigaretteA tax on manufacturers of nicotine to account for environmental and social costs of the nicotine productA tax per metric ton of NOx emissions at the source that accounts for environmental and social costs of NOx emissions.
A slowly rising carbon fee and dividend beginning at $10 per metric ton of CO2 emitted to set a market signalSales tax is not an example of a pure Pigouvian tax as it is imposed on all goods and services, regardless of their externalities. A Pigouvian tax is only imposed on activities that generate negative externalities.
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thomas is an investment banker who will be managing an upcoming ipo. what document can he use to assess the best time to bring the issue public, to avoid a crowd of similar competitive ipos coming to market in the same time window?
Thomas should be using IPO calendar.
An initial public offering (IPO), often known as the sale of new shares to institutional and retail investors, allows a private firm to raise money (IPO). Investing in an IPO has the advantages of allowing investors to select a possibly undervalued firm early on and before brokerages take significant stock positions.
To take advantage of the opportunities that are available, it is critical for IPO investors to keep watch on impending IPOs. Here are seven resources for keeping up with impending IPOs.
Exchange websites are among the most dependable sources of information about impending IPOs. For instance, the NYSE and NASDAQ both include areas specifically for initial public offerings (IPOs).
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Jason keeps a record of his transactions in a notebook. Looking over his records for the past two weeks, Jason finds that his bank statement does not match his notebook, and he actually has less money than he thought he did. These are the relevant entries in Jason’s notebook: Transaction Debit ($) Credit ($) Beginning Balance 578. 65 Rent 275. 60 --- Paycheck --- 363. 20 Charitable donation 20. 00 --- Keyboard 63. 29 --- Refund on purchase --- 21. 19 Groceries 44. 08 --- Microwave 68. 74 --- Ending Balance 491. 33 However, Jason’s bank statement says that his ending balance is $473. 33. Which of the following is a possible explanation for the discrepancy? a. Jason actually made two $20 charitable donations but forgot to write one of them down. B. Jason listed the refund as a credit, but it should be a debit. C. Jason listed the groceries out of habit, but he did not actually purchase them this week. D. Jason transposed the digits on the microwave’s price, which actually cost $86. 74.
The explanation to the discrepancy arising in Jason's accounts and his bank statement is "Jason transposed the digits on the microwave’s price, which actually cost $86. 74." This can be calculated by reconciling the balance of accounts and bank passbook.
What is reconciliation statement?Reconciliation statement refers to a statement that is prepared to match the accounting balance with the balances in bank passbook. The differences arising due due omission, commission, duplication, or error of principal are given proper effect in the reconciliation to match account with the bank balances.
The answer to the given question can be justified as follows:
Given:
Ending balance as per accounts is $491.33.
Ending balance as per bank statement $473.33
Difference in ending balance is \(\%491.33 - \$473.33 = \$18\)
The only statement that justifies the difference of $18 is that the digits of microwave has been transposed from $86.74 to $68.74.
The difference so arising from this error is $86.74 - $68.74 i.e. $18
Hence the correct statement is D
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Jamie is researching places to live after graduating college he asked you I keep coming across as phrase cost-of-living I’ve never heard of it before do you know what it means which of the following definitions would you choose to explain to Jamie about cost-of-living means
Answer:
The cost of living refers to the prices of goods and services needed to sustain an average level standard of living in an area
Explanation:
The cost of living refers to the cost of keeping up with a given standard of living. It is the amount Jamie would need to keep up with basic expenses such as food, housing, clothing and medical care. Cost of living compares the expense between living in two different areas. Jamie's cost of living is tied to his wages and it can be measured using what is called purchasing power parity.
if a company owes $100,000, what section of the balance sheet would this debt be placed on?
The $100,000 debt that the company owes would be placed in the "Liabilities" section of the balance sheet, as it represents a financial obligation the company needs to repay.
An organization's assets, liabilities, and shareholder equity are listed on a balance sheet, which is a financial statement. One of the three primary financial statements used to assess a company is the balance sheet. It offers a snapshot of the assets and liabilities of a corporation as of the publication date.
A liability is defined in financial accounting as the future forfeitures of economic benefits that an entity must make to other entities as a result of previous transactions or other previous events, the resolution of which may result in the transfer or use of assets, the provision of services, or another future yielding of economic benefits. Liabilities are responsibilities or debts that a business must settle in the future. They stand in for the assets of the company's creditors. As an illustration, consider accounts payable, accrued expenses, wages due, and bank loans.
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Which of the following real estate investments were involves purchasing real estate and charging a monthly fee for use of your space
Answer:
when you flip you buy at a low price, fix it up then sell at a higher price for profit. usually in less than 6 months.
Do you think large multinational corporations in general like Wal-Mart, Apple, McDonalds and Frito Lay are good or bad for the world? Is "globalization" another word for “Americanization”? Why or why not? (3 points) Explain using complete sentences.
Answer:
I think multinational corporations in like these are bad. Because even people on diets or trying to diet, and people buy it for them not knowing its hard for them to say no.
Explanation:
whats the answer for this
Answer:
(a) money in hand
this will be the answer I think so
___Information pertains to the problem and hand
A) accurate
B) complete
C) relevant
D) timely
Which of the following is NOT something you might have to do for the driving skills test?
Answer: Practice being stopped by the police
Explanation:
The options include:
A. Perform a three-point turn
B. Park on a grade
C. Practice being stopped by the police
D.Use proper driving posture
A driving skill test helps in assessing whether an individual can operate a vehicle safely. The test is usually made up of the basic control skills test and also the on-road driving test.
Some of the things that are done during a driving skills test include:
• Perform a three-point turn
• Park on a grade
• Use proper driving posture.
It should be noted that during a driving skill test, the individual doesn't practice being stopped by the police.
Answer:being stopped by the police
Explanation:
What information does a person need to know before renting an apartment?
O The salaries earned by the building employees.
O If electricity is included in the rent of the apartment.
O The property taxes on the building that are paid by the owner.
o If the apartment building has a mortgage.
Answer:2
Explanation:
2
how many tines in earth does the sun intersect equartor
Answer:
два
Explanation:
Export Production,
Increases the country's stock of wealth
Allows family members to make productive use of their time
Saves money on imports
Produces enough to support the needs of the community
Answer:
Increases the country's stock of wealth
Explanation:
There are two types of businessesImportExportImport means to buy things which are made otherwhere from other countries to our own country.Export means to transfer things which are made in our country to outsideA demand curve displaying the relationship between the price of cars and the quantity demanded of cars should have a slope that is Group of answer choices less than 0. between zero and 1. between one and infinity. undefined.
Answer:
A demand curve displaying the relationship between the price of cars and the quantity demanded of cars should have a slope that is a. less than 0.
Explanation:
A demand curve displaying the relationship between the price of cars and the quantity demanded of cars should have a slope that is a. less than 0.
deposit claims with a face value of $100,000 or more that pay a fixed interest rate and have a fixed maturity of at least 14 days are called
The deposit claims are known as negotiable certificates of deposit
A bank certificate of deposit (CD) is a secured type of time-bound deposit and a unique type of low-risk savings account where money is kept with the bank for a set amount of time in exchange for a higher interest rate. Because the banks invest the money in a business, it typically offers its holder a better interest rate than a standard savings account.
A negotiable certificate of deposit is a form of a certificate of deposit with a minimum face or par value of $100,000 that cannot be redeemed before its maturity date, preventing the holder from taking money out of the account before that time. Thus, a negotiable certificate of deposit is an interest-bearing time deposit issued by a bank that is marketable and has a predetermined maturity date as well as a specified interest rate.
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