a. What are the FDIC's 2 options in resolving a failed bank (name and define)? What did it choose to do with Hertitage Financial Bank
b. What happened to owners' (shareholders') equity (investment) in Heritiage Financial? How does that contrast to what happened to the investments in the large bailed-out banks in 2008-2010?
c.What may have happened to the banking industry if there was no FDIC during the 2007-2010 financial crisis?
Answers
The FDIC resolves failed banks through Purchase and Assumption (P&A) or Payoff. Heritage Financial Bank was resolved through P&A. Shareholders' equity was lost in Heritage Financial, unlike the large bailed-out banks. Without the FDIC, the banking industry could have faced instability and collapse.
How is this so?The FDIC has two options to resolve a failed bank: Purchase and Assumption (P&A), where a healthy bank takes over the failed bank's assets and liabilities, and Payoff, where the FDIC pays insured depositors and liquidates the bank.
Heritage Financial Bank was resolved through the P&A option. In Heritage Financial Bank, shareholders' equity was lost, unlike the large bailed-out banks during the 2008-2010 crisis.
Without the FDIC during the crisis, the banking industry would have faced instability and potential collapse.
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Related Questions
nt inc sells product a for $80, with unit variable cost of $16. they also sell product b for $90 and its uvc is $18. which product is relatively more profitable and why?
Answers
Product B is more profitable since it has a higher contribution margin.
To find which product is more profitable, we need to calculate the contribution margin per product. Contribution margin is the amount by which revenues exceed variable costs, and is calculated as revenue minus variable cost per unit.
For Product A, the contribution margin is $80 - $16 = $64.
For Product B, the contribution margin is $90 - $18 = $72.
Therefore, Product B is more profitable since it has a higher contribution margin. This is because Product B has a higher selling price and/or lower variable cost compared to Product A, which results in a higher amount of revenue per unit that is available to cover the fixed costs and generate profits.
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Bed, Bath and Beyond are in a severe decline in sales and profitability in its most recent quarter, why net sales fell 25% year over year, while comparable sales fell 23% and the operating loss increased by more than $265 million and the net loss increased by more than $300 million
Provide a description of how the researcher will identify and recruit a sample for the issues for Bed Bath and Beyond issues.
Provide a description of the data collection tools (survey, artifacts, interviews, for Bed Bath and Beyond. Describe any ethical considerations for Bed, Bath and beyond.
Describe data analysis plan (software, coding process).
Provide a specific and detailed timeline for how THE study will be completed.
Provide a graphic organizer so your committee can see a visual of your study outline and timeline. For Bed, Bath and Beyond.
Answers
The timeline for the study will depend on various factors such as the scope of the research, availability of resources, and complexity of data analysis. A specific and detailed timeline should be developed considering these factors to ensure a systematic and timely completion of the study.
To identify and recruit a sample for researching the issues facing Bed Bath and Beyond, the researcher can follow these steps:
1. Define the target population: The researcher needs to determine the specific group of people they want to study, such as Bed Bath and Beyond customers or employees.
2. Determine the sample size: Based on the resources available and the research objectives, the researcher needs to determine the appropriate sample size. This can be done using statistical techniques or considering practical constraints.
3. Sampling method: The researcher can use probability or non-probability sampling techniques. Probability sampling ensures that each member of the target population has an equal chance of being selected, while non-probability sampling allows for more flexibility in selecting participants.
4. Recruit participants: The researcher can reach out to potential participants through various methods, such as online surveys, email invitations, or in-person recruitment at Bed Bath and Beyond locations. They can also consider using social media or targeted advertising to reach a wider audience.
For data collection tools, the researcher can use a combination of surveys, artifacts, and interviews:
- Surveys: A structured questionnaire can be designed to gather quantitative data from a large number of participants. The survey can include questions about customer satisfaction, preferences, or employee experiences.
- Artifacts: The researcher can collect and analyze relevant documents, reports, or financial statements from Bed Bath and Beyond to gain insights into their operations, strategies, and performance.
- Interviews: Conducting interviews with key stakeholders, such as customers, employees, or industry experts, can provide qualitative data and deeper insights into the issues faced by Bed Bath and Beyond.
Ethical considerations for Bed Bath and Beyond include obtaining informed consent from participants, ensuring confidentiality and anonymity, and protecting sensitive information.
For data analysis, the researcher can use software like SPSS or Excel for quantitative analysis of survey data, such as calculating means, frequencies, or conducting regression analyses. Qualitative data from interviews can be analyzed through thematic coding processes, where patterns and themes are identified.
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Roberto Sanchez, CFA, and Andreas Lopez, CFA, worked as financial analysts for OneWorld Analytics for years. While at OneWorld, Lopez created a highly complex financial valuation model with Sanchez making small contributions to its development. Recently, Lopez left OneWorld to start his own company using a simplified model he developed prior to joining OneWorld. Over a six-month period, he improves this software, duplicating features he used at OneWorld. His upgraded program produces predictions similar to the results of the OneWorld program. At OneWorld, Sanchez continues to use the complex model he and Lopez developed and attains superior results. Whose behavior most likely conforms to the CFA Institute Standards of Professional Conduct?
a. Lopez but not Sanchez
b. Sanchez but not Lopez
c. Both Lopez and Sanchez
Answers
how would you describe east coast yachts’ cash flows
Answers
Based on the information available, it appears that East Coast Yachts has a relatively stable and positive cash flow.
Three main components Of the movement of funds in and out of the companyEast Coast Yachts' cash flows can be described as the movement of funds in and out of the company, involving three main components: operating activities, investing activities, and financing activities.
1. Operating activities: These cash flows pertain to the company's core business operations, such as revenues from yacht sales, expenses for materials and labor, and taxes. Positive cash flows from operating activities indicate a healthy, sustainable business.
2. Investing activities: These cash flows involve the purchase or sale of long-term assets, like equipment or property, for the purpose of growing the business or improving efficiency. A balance between investments and returns is important for East Coast Yachts' financial stability.
3. Financing activities: These cash flows encompass transactions with the company's investors and lenders, including issuing new shares, borrowing funds, and repaying debts. Monitoring financing activities helps East Coast Yachts maintain an optimal capital structure and ensure long-term solvency. Analyzing these components provides valuable insight into East Coast Yachts' financial health and helps inform decisions related to business growth and financial management.
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Brian is considering opening a small factory that makes a single product – widgets. Each unit will sell for $80. The variable cost of manufacturing each unit is $30. Fixed factory overhead costs of $120,000. If the sales are 3,000 units what will be the profit? Calculate the profit and do a CVP Analysis.
Answers
The profit of the small factory after selling 3,000 units of widgets is $90,000.
The profit of a small factory that makes a single product, widgets, can be determined by subtracting the total cost of production from the revenue generated from the sales. In this problem, revenue generated by the sales of 3,000 units can be calculated as:
Revenue = Sales price x Number of units sold
Revenue = $80 x 3,000
Revenue = $240,000
The total cost of production can be calculated as:
Total cost of production = Fixed costs + Variable costs
Total cost of production = $120,000 + (Variable cost per unit x Number of units sold)
Total cost of production = $120,000 + ($30 x 3,000)
Total cost of production = $210,000
Therefore, profit can be calculated as:
Profit = Revenue – Total cost of production
Profit = $240,000 – $210,000
Profit = $30,000
The profit of the small factory after selling 3,000 units of widgets is $30,000.
CVP Analysis
The Cost-Volume-Profit (CVP) analysis is a management accounting technique that focuses on the relationship between costs, sales volume, and profit. It helps businesses to understand the effect of changes in sales volume, cost structure, and selling prices on profits.
CVP analysis is a useful tool for the decision-making process of businesses. It can be used to determine the break-even point of a product and the profit that can be earned by selling a specific number of units. The following table summarizes the CVP analysis of the small factory that produces widgets:
Selling price per unit $80
Variable cost per unit $30
Fixed costs $120,000
Number of units sold 3,000
Total revenue $240,000
Total variable costs ($90,000)
Contribution margin $150,000
Total fixed costs ($120,000)
Profit $30,000
The table shows that the total revenue generated from the sales of 3,000 units of widgets is $240,000, and the total variable cost of producing these units is $90,000. Therefore, the contribution margin can be calculated as $150,000. The contribution margin is the difference between the total revenue and the total variable cost. It represents the amount of money that is available to pay the fixed costs and generate profit.
The total fixed costs of the small factory are $120,000, which means that the break-even point can be calculated as:
Break-even point (in units) = Fixed costs / Contribution margin per unit
Break-even point (in units) = $120,000 / ($80 - $30)
Break-even point (in units) = 3,000 units
The break-even point of the small factory is 3,000 units. It means that the factory has to sell at least 3,000 units of widgets to cover its fixed costs. If it sells more than 3,000 units, it will earn a profit. The profit earned by the factory can be calculated as:
Profit = Contribution margin - Fixed costs
Profit = $150,000 - $120,000
Profit = $30,000
The CVP analysis shows that the small factory can earn a profit of $30,000 by selling 3,000 units of widgets. However, if it wants to earn a higher profit, it can increase its sales volume or decrease its variable and fixed costs.
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what are some of the logistics supply chain issues that glc should consider?
Answers
GLC should consider several logistics supply chain issues to ensure an efficient and effective supply chain. Some of these issues include:
1. Transportation: GLC should consider the most cost-effective and efficient transportation modes to move products from one location to another. This could involve assessing the transportation infrastructure, choosing between air, road, rail, or sea, and optimizing routes to minimize delivery time and cost.
2. Inventory management: GLC should ensure that the right amount of inventory is available at the right time to avoid stockouts or overstocking. They should also consider factors such as demand forecasting, storage, and handling costs to optimize inventory levels.
3. Warehousing: GLC should assess their warehousing needs to ensure that products are stored and handled efficiently. This could involve selecting the right warehouse location, ensuring that the warehouse is equipped with the necessary facilities, and implementing efficient storage and handling systems.
4. Information technology: GLC should consider adopting technology such as enterprise resource planning (ERP) systems, transportation management systems (TMS), or warehouse management systems (WMS) to optimize their logistics supply chain. These systems can help manage inventory, track shipments, and provide real-time visibility into the supply chain.
5. Risk management: GLC should consider potential risks such as supply chain disruptions, product damage or loss, or natural disasters, and implement risk management strategies to mitigate these risks. This could involve developing contingency plans, insurance, or partnering with multiple suppliers.
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sage hill inc. issues $265,000, 10-year, 8% bonds at 97. prepare the journal entry to record the sale of these bonds on march 1, 2017. (credit account titles are automatically indented when the amount is entered. do not indent manually.)
Answers
The journal entry to record the sale of bonds by Sage Hill Inc. on March 1, 2017, would be as follows: Cash (0.97 x $265,000) $256,050, Discount on Bonds Payable 8,950, Bonds Payable 265,000
In this transaction, Sage Hill Inc. issued bonds with a face value of $265,000 at a discount of 3% (97% of the face value) resulting in proceeds of $256,050 ($265,000 x 0.97). The discount on the bonds payable of $8,950 ($265,000 - $256,050) is the difference between the face value of the bonds and the proceeds received by the company.
The cash account is debited to record the receipt of cash from the sale of bonds, while the bonds payable account is credited to record the liability incurred by the company. The discount on bonds payable account is also credited to record the reduction in the liability account due to the discount on the sale of the bonds.
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economy where the government owns and offers all the goods and services is called ?
Answers
In such situation, we would have what is known as a command economy, in which the government owns, provides, and sets the prices for all goods and services.
The goal of a command economy, often referred to as a planned economy, is to maximise societal welfare by the planning, coordination, and direct supervision of all economic activity. In contrast to free-market economies, command economies do not permit market forces like supply and demand to control production or prices. All resources are allocated by the government in line with the overall plan. It strives to make the best use of the country's financial resources, labour force, and natural resources. A central authority determines both the maximum allowable output and the prices that can be paid for products and services under a political system with a command economy. Most industries are publicly held businesses.
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who had the largest dollar amount in sales for the month of december?
Answers
The question doesn't provide specific information or options to determine who had the largest dollar amount in sales for the month of December
. In order to answer the question accurately, we would need more details or a specific context, such as the names of companies or individuals involved in the sales. Without this information, it is not possible to provide a specific answer. However, in general, the company or individual with the highest sales revenue for the month of December would be the one that generated the largest dollar amount in sales during that period.
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You are a part-time worker at a small neighborhood grocery store. You've been working in the store for only a few days, but already you know you like the job and your employer. It's close to your home, so it's very convenient. However, you're worried about security because you often work alone. There is a security camera, but it doesn't look like it's working. Posters and flyers completely fill the windows, making it impossible to see in or out. And the streetlights outside the store aren't very bright. You decide to talk about your concerns with the store owner.
Answers
Answer:
Despite liking the job due to the comfort and convenience which it offers, the security challenge is not something to wish off. I would engage with the store owner to see in which ways which he could improve the security of the store.
For example, changing the security camera, and removing the posters and flyers which fills the windows could be a great way to start. Also, with time, he could consider hiring a security guard who could be stationed in front of the store for few hours work in the night. this would guaranteed extra layer of security.
Explanation:
What is a closed economy give an example?
Answers
The Economist defines a closed economy as: "An economy that does not engage in foreign trade; the opposite of an open economy.
What does closed economy mean?An economy that is "closed" does not engage in international trade, which means it does not import or export products and services to or from other nations. All commodities and services are generated inside the confines of a single economy in this scenario.How many countries are closed economy?Currently, no nation has a closed economy in reality. Brazil has the least amount of products imported when compared to other nations, making it the economy that is most similar to a closed one. The domestic barrier cannot, however, satiate all of the wants for products and services.The Economist defines a closed economy as: "An economy that does not engage in foreign trade; the opposite of an open economy.
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When a company maintains its price but removes or prices separately one or more elements that were part of the former offer, such as free delivery or installation, it is known as ________. A. escalating B. differentiation C. reverse discounting D. delayed quotation pricing E. unbundling
Answers
The name which is given to the process when a company maintains its price but removes or prices separately is known as E. unbundling
What is Price?This refers to the attached value which is given to a good or service that is exchanged for that particular value.
Hence, we can see that when a company removes freebies such as free delivery or installation but maintains its price is known as unbundling and is a market activity.
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An S corporation had the following income and expenses: Sales $240,000 Rent expense 25,000 Business meals 5,000 Interest income 1,500 Contributions to qualifying charities 600 IRC Section 179 expense 3,000 Depreciation expense 1,800 What would be reported as ordinary income on the corporation's income tax return
Answers
The amount that should be reported as the ordinary income on the income tax return of the corporation is $210,700.
Sales $240,000
Less: Rent expense ($25,000)
Less: 50% Entertainment expense ($2,500)
Depreciation ($1,800)
Ordinary income $210,700
Ordinary income involved the sales amount, rent expense, 50% of entertainment expense, and the depreciation expense
Therefore, we can conclude that the amount that should be reported as the ordinary income on the income tax return of the corporation is $210,700.
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Your father obtained a car loan payable in lump sum in 5 years at a total amount of P800,000 with an annual rate of 15%. What is the present value?
Answers
Answer:
the present value is $397,741.39
Explanation:
The computation of the present value is shown below
As we know that
Present value = Future value ÷ (1 + rate of interest)^years
= 800,000 ÷ (1 + 0.15)^5
= 800,000 ÷ 1.15^5
= $397,741.39
Hence, the present value is $397,741.39
rent control question 5 options: 1) serves as an example of how a social problem can be alleviated or even solved by government policies. 2) serves as an example of a price ceiling. 3) is regarded by most economists as an efficient way of helping the poor. 4) is the most efficient way to allocate scarce housing resources.
Answers
Option (c) is the best choice. The majority of economists believe that rent control is an effective strategy for assisting the poor.
In economics, what are rent controls?Rent control is a law that sets a maximum price, or "rent ceiling," on what landlords may charge renters, like all other government-mandated price controls. The rent level must be established at a lower rate than what would have otherwise been the case if it is to have any impact.
What aims does rent control pursue?To protect existing affordable housing and to reduce disruptions brought on by quick rent hikes are the two basic objectives of rent-control laws. As these rules have developed, they have also added provisions to make sure landlords are paid enough to maintain their properties and make a respectable profit.
Why is rent control opposed by most economists?Rent control, a type of price control, hinders market adjustment, including supply increases, by reducing price signals indicating rental housing is becoming more scarce. Additionally, many low-income households suffer from rent control since they are least able to escape the lines that are caused by prices below market equilibrium.
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Assume that 10 years ago you purchased a $1,000 bond for $865. The bond pays 10.70 percent interest and will mature this year. (a) Calculate the current yield on your bond investment at the time of the purchase. (Enter your answer as a percent rounded to 2 decimal places.) Current yield (b) Determine the yield to maturity on your bond investment at the time of purchase. (Enter your answer as a percent rounded to 2 decimal places.) Yield to maturity %
Answers
12.36% is the yield to maturity on your bond investment at the time of purchase.
To calculate the current yield, divide the annual interest payment by the bond's purchase price and multiply by 100 to express it as a percentage:
(a) Current yield = (Annual interest payment / Purchase price) * 100
The annual interest payment is 10.70% of the bond's face value, which is $1,000. So, the annual interest payment is $1,000 * 10.70% = $107.
Current yield = ($107 / $865) * 100 = 12.36%
To determine the yield to maturity, we need to consider the bond's purchase price, face value, annual interest payment, and the number of years remaining until maturity.
(b) Since the bond is maturing this year, the number of years remaining until maturity is 0. Therefore, the yield to maturity is equal to the current yield:
Yield to maturity = Current yield = 12.36%
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why does producer surplus exist?some producers are willing to produce at a price that is below the equilibrium price.
Answers
Producer surplus exists when producers can sell goods at a price above their cost of production, earning a profit. It indicates profitability, encourages investment, and fosters economic growth.
Producer surplus exists because some producers are willing to produce at a price that is below the equilibrium price. The equilibrium price is the market price where the demand for goods and services is equal to the supply of goods and services. Producers who can produce goods at a lower cost than the equilibrium price can sell their goods at a price that is above their cost of production and earn a surplus, which is the difference between the price they receive and the cost of production.Producer surplus is the difference between the amount a producer is willing to accept for a good or service and the amount they actually receive. Producers who can produce goods at a lower cost than the equilibrium price can sell their goods at a price that is above their cost of production and earn a surplus, which is the difference between the price they receive and the cost of production.Producer surplus is important because it indicates the level of profits that producers can earn from their production activities. When there is a producer surplus in a market, it means that producers are able to earn a profit from their production activities. The existence of producer surplus can also encourage producers to increase their output and invest in new technologies and processes, which can lead to further economic growth.For more questions on economic growth
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shoe emporium focuses on all aspects of service quality. the corporate office conveys trust by empowering its employees. if a customer is unhappy with a purchase, the employees are given discretionary resources to rectify the problem. which service characteristic is the shoe store focusing on?
Answers
If the employees are given discretionary resources to rectify the problem, the service characteristic that the shoe store is focusing on is: Assurance.
Assurance is intended to bring confidence or certainty in one's own skilled.
It is important that companies or organizations are goods or expert in term of the services they rendered to their customers.
Customers should see that confidence in the company they are patronizing as this will show to the customers that they company they are dealing with are trust worthy and reliable.
If a company is highly skilled and they rendered service that are of good quality their customers will have more confidence in them.
Inconclusion the service characteristic that the shoe store is focusing on is assurance.
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Bethany is doing a research project that involves several numbered lists and calculations. She wants to use technology to make the organization less tedious and more effective. What type of software program should she use? HURRY TIMED TEST
A. Word processor software
B. Presentation software
C. software
D. Spreadsheet software
Answers
Answer:
D
Explanation:
Bc u can put lists in there and u can do the math in there too
Bethany is doing a research project that involves several numbered lists and calculations. She shall used Spreadsheet software. Option D is correct.
What is spreadsheet software?A spreadsheet is a piece of application software that can store, display, and edit data that has been organized into rows and columns. One of the most used tools for personal computers is the spreadsheet. In general, a spreadsheet is made to store numerical data and short text strings.
Furthermore the spread sheet consist of formula functions & mathematical expressions & operations, tabular representation & graphical data presentation can also be well performed with the use of this application software.
Therefore spreadsheet software are best resource for making list and long calculations.
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2 x (3a-b) - 3y(b-3a)
Answers
Answer:
6ax+9ay−2bx−3by
Explanation:
2x(3a−b)−3y(b−3a)
Distribute:
=(2x)(3a)+(2x)(−b)+9ay+−3by
=6ax+−2bx+9ay+−3by
the main characteristics of a pure___are a single seller, no close substitutes, a price maker, blocked entry, and non-price competition.
Answers
A full monopoly, Correct Unavailable is characterized by a single seller, the absence of near substitutes, a price maker, barred entrance, and non-price competition.
Which market called price maker?There are no competitors in a market that is monopolistic. The monopolist, also known as the price maker, is able to set the price in the market due to the absence of close replacements and competitors. A seller who has sufficient pricing and market clout to affect market prices is said to be a price maker. In such a scenario, a company's capacity to successfully alter product and service prices determines its market and pricing power.
What is price maker in monopoly and why is perfect competition a price maker?A monopolist is seen as a price maker since it has the power to determine the cost of the goods it sells. Demand, often known as consumer willingness & ability to buy the commodity, places restrictions on the monopolist.
Because competing firms pressure companies to accept the market's current equilibrium price, a perfect competition firm is referred to as a price taker. A company will lose every one of its sales to rivals if it increases the price of its item by even a penny in a highly competitive market.
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Autocratic leadership is effective in situations such as Multiple select question. working with new, unskilled workers working with highly professional employees working with long time employees emergencies
Answers
It should be noted that autocratic leadership is effective in situations such as A. working with new, unskilled workers.
What is autocratic leadership?Autocratic leadership simply means a leadership style that has to do with individual control over the decisions of the other members.
Autocratic leadership is effective in situations such as working with new, unskilled workers. This is necessary for organizational goals to be achieved.
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list at least three public services that sales tax pays for.
Answers
Answer:
Education, Public health, Transportation, Parks, Public Safety
Explanation:
There are 8 kinds of sewing machine. Are all of them are used for constructing a garment? Why?
Answers
Which of the following is true about certified public accountants (CPAs)?
O A. CPAs work for government agencies and corporations.
B. CPAs only work in the public sector.
C. CPAs only work in the private sector.
O D. CPAs work for small businesses but not large businesses.
Answers
Answer:
A. CPAs work for government agencies and corporations.
Explanation:
Certified public accountant (CPA) is the title for skilled, competent, and professionally trained accounts. Accountants play a significant role in any organization's success, be it a business-oriented, government institution, or not-for-profit organization. Employers seek and employ qualified and certified accountants to work in their organizations.
Both the public and private sector engage the services of certified account to take charge of accounting and financial management. The objective is to ensure that financial transactions are recorded correctly, and the financial statement reflects the true picture of the organization as per the generally accepted accounting principles.
The owner of a successful restaurant has gotten bored with his business. He
decides to sell it and use the money to start a food truck in a new city.
This situation is an example of which characteristic of the U.S. economy?
O A. Limiting the role of government
O B. Motivating businesses to maximize profits
O C. Prioritizing individual freedom
O D. Promoting competition
Answers
Answer:
my best guess would be C.
The owner of a successful restaurant has gotten bored with his business. He decides to sell it and use the money to start a food truck in a new city.
This situation is an example of the characteristic of the U.S. economy that motivates businesses to maximize profits. (B)
What is a business?
Business is the activity of making one's living or making money by producing or buying and selling products
What is the U.S. economy?The U.S. has a mixed economy, exhibiting characteristics of both capitalism and socialism. Such a mixed economy embraces the free market when it comes to capital use, but it also allows for government intervention for the public good.
What is a profit?Profit, in accounting, is an income distributed to the owner in a profitable market production process.
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How can buisness decision affect the local community??
Answers
Answer:
Small businesses will also participate and volunteer their time at fairs and festivals, working to connect with members of the community while sharing their services to a large audience.Local businesses pay local taxes, bolstering the city revenue available for improvements to roads, schools, and area green spaces. When shoppers spend their money locally, the taxes they pay benefit their community and better their own lives. Shopping online, for example, may not keep tax revenue local.
The stock value of Company Y has decreased in the past two months. What may have been a predictor of that? Higher demand for shares More borrowed money More funds to expand High interest rates
Answers
The cause can be attributed to a higher demand for shares, hence the correct answer is option A.
Theory of Supply and Demand on price.When the price of a commodity is low the demand is bound to increase, when the price is high, demand will reduce.
It should be noted that supply and demand are major forces in the market.
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Orlando invested $16,000 in an eight-year CD bearing 6. 5% simple annual interest, but needed to withdraw $3,500 after five years. If the CD’s penalty for early withdrawal was one year’s worth of interest on the amount withdrawn, when the CD reached maturity, how much less money did Orlando earn total than if he had not made his early withdrawal? a. $227. 50 b. $682. 50 c. $910. 00 d. $455. 0.
Answers
The amount earned less by Orlando if he had made his early withdrawal is $3,727.50
Computation:
Given,
Principal amount =$16,000
Simple interest rate =6.5%
Time period =8 years
Future value =$3,500, after 5 years
The formula of future value will be used to determine the difference amount earned irrespective of the early payments.
\(\begin{aligned}F&=P+(P\times i \times t)\\&=\$16,000+\$16,000\times0.065\times8\\&=\$24,320\end{aligned}\)
Now, the same formula will be used for the payment received after 5 years.
\(\begin{aligned}F_1&=F-[\text{Withdrawal}-(\text{Withdrawal}\times i )]\\&=\$24,320-[\$3,500-\$3,500\times0.065\\&=\$20,592.50\end{aligned}\)
The amount earned less is the difference between the future value of the principal and the future value of the withdrawn amount.
\(\begin{aligned}\text{Amount}&=F-F_1\\&=\$24,320-\$20,592.50\\&=\$3,727.50\end{aligned}\)
Therefore, the given options are incorrect and the correct amount is $3,727.50 that is less money Orlando earned in total without the early payments.
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which of the following is counted in gdp? group of answer choices the value of do-it-yourself work the value of leisure the cost of a speed boat purchased by drug smugglers the value of goods and services produced in the underground economy
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The following option is counted in GDP: the cost of a speed boat purchased by drug smugglers. GDP includes all goods and services produced within a country, regardless of their legality.
What is GDP?Gross domestic product (GDP) is the total monetary or market value of all final goods and services produced in a country over a specific period of time. GDP measures the country's economic performance and is a fundamental indicator of the economy's health.
GDP includes all of a country's cost of a speed boat purchased by drug smugglers. The value of do-it-yourself work, the value of leisure, and the value of goods and services produced in the underground economy. GDP only include the cost of a speed boat purchased by drug smugglers , not do-it-yourself work or leisure time.The value of goods and services produced in the underground economy is not counted in GDP because these activities are not reported to the government and are therefore not part of the official economy.
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