In this chapter we learned about simultaneous co-ownership in real estate, in particular. In particular Tenants in Common, Joint Tenancies, Community Property, and Tenancies in Partnership.

(1) In no more than one to two sentences for each, define the four "unities" necessary to establish a joint tenancy with the right of survivorship in three or more individuals.

The portion that would not be part of an investment portfolio is : ( C ) a saving account

The situation that  is a good reason to have a financial reserve that's larger than normal is: A. Having a large monthly car payment.

1. Option C, a saving account, would not be part of an investment portfolio as it is a basic bank account that offers low interest rates and is typically used for saving money rather than investing.

The other options, A, B, and D, are all investment options that can be included in an investment portfolio

2. Having a large monthly car payment is a situation that would warrant having a financial reserve that's larger than normal. This is because the car payment is a fixed expense that must be paid every month, and in the event of a financial emergency or unexpected expense, having a larger financial reserve can provide a cushion and prevent defaulting on the car payment.

It is always a good idea to have a financial reserve that can cover at least three to six months of expenses, regardless of the specific situation.

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Answer:

no

Explanation:

there isn’t a sense of ownership between two people

A code of ethics is of paramount importance in reducing business risk. It provides a guiding framework for employees, promotes ethical behavior, and safeguards against legal and reputational risks. By referring to the aforementioned published articles and books, it is evident that organizations that prioritize and implement a comprehensive code of ethics are better equipped to mitigate risks and maintain a positive corporate culture.

The importance of a code of ethics in reducing business risk has been widely discussed in various published articles and books. These sources highlight the positive impact that a well-implemented code of ethics can have on mitigating risks and promoting ethical behavior within organizations.

1. Article: "The Role of Ethics in Corporate Governance" by Wulf A. Kaal and Jeffrey W. Stempel.
This article emphasizes that a comprehensive code of ethics plays a crucial role in reducing business risk by promoting transparency, accountability, and ethical decision-making within an organization. It explains that a code of ethics provides a framework for employees to navigate ethical dilemmas and ensures that they adhere to legal and regulatory requirements.

2. Book: "Business Ethics: Managing Corporate Citizenship and Sustainability in the Age of Globalization" by Andrew Crane and Dirk Matten.
This book highlights how a code of ethics helps organizations manage and reduce business risks associated with unethical behavior. It discusses how an effective code of ethics fosters a positive corporate culture, reduces the likelihood of unethical actions, and protects the reputation of the company.

3. Article: "The Impact of Ethical Leadership, the Internal Audit Function, and Moral Intensity on a Firm’s Ethical Risk Appetite" by Alison F. Jones and Judith A. Perri.
In this article, the authors explore the relationship between ethical leadership, the internal audit function, moral intensity, and an organization's ethical risk appetite. They argue that a well-constructed code of ethics, coupled with strong ethical leadership and effective internal controls, can significantly reduce ethical risks and misconduct within a business.

4. Article: "The Benefits of a Code of Ethics in Business" by Terri Williams.
This article discusses how a code of ethics contributes to reducing business risk by establishing a clear set of ethical standards for employees. It highlights that a code of ethics enhances corporate governance, prevents conflicts of interest, ensures fair business practices, and safeguards against legal and reputational risks.

In conclusion, a code of ethics is of paramount importance in reducing business risk. It provides a guiding framework for employees, promotes ethical behavior, and safeguards against legal and reputational risks. By referring to the aforementioned published articles and books, it is evident that organizations that prioritize and implement a comprehensive code of ethics are better equipped to mitigate risks and maintain a positive corporate culture.

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Answer:

Spread the word; advertisements

Explanation:

  In order to get popular you need to spread the word about your business, you needadvertisementst,s and sometimes even create your own website. Some website makers include Wix.

In the service culture, processes are invisible and procedures are not well defined or documented. This culture is focused on customer service, to provide the best experience.

Therefore, processes are invisible, that is, the customer is not able to identify internal processes if they are not useful, but they must perceive the service as a mystery where all their needs are promptly met.

In the service culture, this is also not well defined or documented, so as not to create standardization of the service, but a personalized service that meets the needs of each customer individually.

Therefore, in the service culture, the focus is on offering the best experience for the customer, through the creation of value, excellent service and employees capable of satisfying their needs.

The service culture is capable of generating greater competitiveness, customer loyalty and positioning for a company.

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A financial planner is a personal advisor who helps clients manage their financial affairs and work towards their long-term financial goals.

Financial is defined as providing money or credit for something. An example of finance is a bank lending someone money to buy a house. It refers to the corpus of funds and credit used in business. Business funds are necessary for the purchase of assets, goods, and raw materials, and for conducting other economic activities. Strictly speaking, it is required to perform all business transactions.

Finance is also important to strengthen corporate finance, as it enables companies to take risks and grow. As the use of technology increases, people are becoming more and more dependent on money to reach their goals. Finance is important for empowerment because it enables businesses to take risks and grow.

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Answer:

Study

Explanation:

Using CAPM, the return on the market must be 13%. Therefore, the correct option is B.

According to CAPM (Capital Asset Pricing Model), the expected return of an asset depends on the risk-free rate, the expected market risk premium, and the beta of the asset. Using CAPM, the expected return on Digital Computer Incorporated can be calculated using the formula:

Expected return = Risk-free rate + Beta * (Market return - Risk-free rate)

Given the risk-free rate is 3%, the expected return on Digital Computer Incorporated is 18%, and its beta is 1.5, we can solve for the market return:

18% = 3% + 1.5 * (Market return - 3%)

1. Subtract the risk-free rate from the expected return: 18% - 3% = 15%

2. Divide this result by the beta: 15% / 1.5 = 10%

3. Add the risk-free rate back to the result: 10% + 3% = 13%

Hence, the return on the market, according to CAPM, is Option B: 13%.

Note: The question is incomplete. The complete question probably is: If the return on the risk-free security is 3% and the return on Digital Computer Incorporated is expected to be 18% (with beta of 1.5), what must be the return on the market, according to CAPM? A) 11.75%` B) 13.00% C) 15.00% D) 10.00%.

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Answer:

b assign stories to be covered

Answer:

I think its B????

Explanation:

Answer:

Explanation:

To obtain the needed detail of order table and order date for each order place by customer, has to be filtered with "John's Department Store"

select ORDER_NUM, ORDER_DATE frome orders as o

inner join customer as c on c.CUSTOMER_NUM=o.CUSTOMER_NUM

where c.CUSTOMER_NAME = "Johnson's Department Store"

The correct response is D. conserving. Conserving level of achievement for NW2.2 Manage Stormwater is justified.

To conserve is to long-term save or safeguard something, such as money or your energy.  Additionally, shutting off lights and avoiding running the air conditioner are two ways that people can save energy. The protection of natural resources is typically linked with conservation, whereas the preservation of structures, artifacts, and landscapes is typically connected with preservation. Simply said, preservation attempts to conserve nature from use, whereas conservation seeks to use nature appropriately.

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A project is built on a grey field site. It includes a detention pond that will capture a treat stormwater from 150% of 95th percentile 24-hour event. The project will not exceed rate or quantity of runoff for the 2-, 5-, 10-, 25-, and 50-year 24-hour rainfall event. What level of achievement for NW2.2 Manage Stormwater is justified?

A. improved

B. enhanced

C. superior

D. conserving

The current price of a stock is $22, and at the end of one year its price will be either $27 or $17. the annual risk-free rate is 6.0%, based on daily compounding. a 1-year call option on the stock, with an exercise price of $22, is available. based on the binomial model, based on binominal model the option's value is $2.99. Option (c) is correct.

A stock is a colloquial phrase for any company's ownership certificates. On the other hand, a share alludes to a certain company's stock certificate. You become a shareholder if you possess shares of a specific corporation.

Find number of shares of stock in hedge Porfolio :

Number of shares = (Cu-Cd)/(Pu-Pd)

= (5-0)/(27-17)

= .5

Find the hedge portfolio's payoff :

payoff if stock is up = NsP(u)-Cu

= .5(27)-5

= 8.5

Payoff if stock id down = NsP(d)-Cd

= .5(17)-0

= 8.5

Present value of the hedge portfolio's payoff :

N = 1*365=365

I = 6/365

Find PV =8.005

PMT = 0

FV = -8.5

Options value :

Value of call = Ns(P)-PV

= .5(22)-8.01

= 2.99

Therefore,  Option (c) is correct. Based on the binomial model, based on binominal model the option's value is $2.99.

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b) Insistence, recognition, preference.

The three degrees of brand devotion from most grounded to most fragile are: c) demand, inclination, acknowledgment.

Demand alludes to the most significant level of brand dedication, where shoppers have areas of strength for an and enduring obligation to a particular brand. These customers effectively search out the brand and are impervious to changing to options.

Inclination is a higher level, where purchasers have a great tendency towards a specific brand however may in any case think about different choices. They reliably pick the favored brand however are available to options in the event that their favored decision isn't accessible.

Acknowledgment is the least degree of brand dedication, where shoppers are know about a brand and can distinguish it when introduced, however they might not have serious areas of strength for an or inclination for it.

Purchasers at this level might be more powerless to exchanging brands in view of variables like cost, comfort, or special offers.

The request for demand, inclination, and acknowledgment mirrors a movement from the most grounded degree of dependability to the most fragile. It demonstrates the profundity of profound association, responsibility, and probability of rehash buys related with each degree of brand reliability.

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Accounts receivable, net of the allowance for doubtful accounts is called  net realizable value.

Net realizable value is the method of knowing the value of asset that is held as inventory. The purpose of this method is to avoid overstating or understating the value of an goods in inventory.

The net realizable value is the result of deducting the costs incurred in selling the goods from its selling price.

Hence, accounts receivable, net of the allowance for doubtful accounts is called  net realizable value.

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A firm that decides to expand internationally based on the availability of government subsidies in the host country is pursuing Multinational business.

Multinational business refers to any commercial activity that is done beyond the geographical boundaries of a country. Therefore it includes the exchange of not only goods and services but also the movement of technology, capital, personnel, intellectual property such as patents and copyright.

International trade is only possible when there are transactions between  the two countries.

Every country has its own legal framework so in order to operate within a country a company has to comply with all those rules and regulations, Also currency plays a vital role in the multinational trade. The duration of sending and receiving goods to payment is longer than domestic trade.

Hence, a firm that decides to expand internationally based on the availability of government subsidies in the host country is pursuing Multinational business.

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It is possible that an important audit step has been forgotten. The audit step that has been overlooked is the testing of the internal controls to ensure that they are functioning effectively.

While the company may have designed a successful set of comprehensive internal controls, it is important to test their effectiveness in practice to ensure that they are actually preventing or detecting errors and fraud. Without testing the controls, there is no way to know for sure if they are working as intended.

Five examples of specific audit procedures that could be recommended before reaching a conclusion include:

Conducting walkthroughs of the accounting system to gain a deeper understanding of the system's design and operation.

Performing substantive testing to verify the completeness and accuracy of transactions processed by the system.

Testing the accuracy and completeness of the system's input and output.

Testing the segregation of duties within the system to ensure that no single person has control over multiple aspects of the system.

Reviewing system logs and monitoring controls to ensure that the system is operating as intended and that any errors or irregularities are detected and corrected in a timely manner.

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Key aspects of the Enabling Environment related to Southwest Airlines at the time of its founding include deregulation, competitive landscape, economic conditions, and technological environment.

Southwest Airlines was founded in 1967, in an environment where air travel was becoming increasingly popular but was dominated by large, established airlines. The Enabling Environment played a key role in the development of the company as follows.

1. Deregulation: The Airline Deregulation Act of 1978 removed government control over fares, routes, and market entry, allowing Southwest Airlines to expand its services and offer low-cost flights, which became its unique selling proposition.

2. Competitive Landscape: The airline industry was dominated by larger carriers offering full-service flights. Southwest Airlines identified a niche market for low-cost, point-to-point flights, which differentiated it from its competitors and attracted price-sensitive customers.

3. Economic Conditions: The economic climate at the time favored cost-conscious consumers, enabling Southwest Airlines to grow its market share by offering low-cost alternatives to traditional carriers.

4. Technological Environment: The technological environment was favorable for Southwest Airlines. The company was able to take advantage of new technologies, such as computerized reservation systems, to streamline its operations and provide more efficient service to customers.

These factors from the Enabling Environment played a crucial role in shaping Southwest Airlines' development and contributed to its success as a major low-cost airline.

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Some risk management responses that a middle age professional can give include avoiding overspending, making reasonable budgets, having a substitute plan in place for unforeseen events.

A middle age professional can invest in real estate business. They could also make it a point to spend carefully and avoid lending money to people who will not pay back.

Of course, they should ahve a stable job that gurantees regular income. in addition to this, there should be a mitigation plan for unforeseen events. These strategies can help them financially.

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Answer:

pantograph

Explanation:

you can use a pantograph to do this.

Bernie is a mortgage broker who accesses several lenders to find a loan product that works best for his clients.

A mortgage broker is a person who acts as an intermediary between the person who offers the loans and someone who wants to buy real estate. so they help their clients to obtain the best rate of interest on their loans. In this way, the client will be able to obtain the best terms and rates to meet their financial needs.

A mortgage broker can help us find the right mortgage. This helps the client in saving time, money, and effort. A mortgage broker may have better and more access to lenders than we have. The only factor to be kept in mind is the charges that these mortgage brokers may take from us.

So a mortgage broker is a link between financial institutions and individuals. The mortgage broker works with both to get the amount of loan sanctioned and at the best rates. They also verify all the paperwork necessary for obtaining the loan. So as Bernie works for finding a loan that is the best for the client he is a mortgage broker.

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Natural monopolies are allowed when a single company can supply a product or service at a lower cost than any potential competitor, and at a volume that can service an entire market. ... Since it's economically sensible to have utilities operate as natural monopolies, governments allow them to exist.

The most liquid asset among the given options is cash equivalents.

Cash equivalents are securities that mature in less than three months and are highly liquid. When they're invested in cash or near-cash products, they're called cash equivalents. The marketable securities that are equivalent to cash are known as cash equivalents. Cash and cash equivalents include marketable securities and short-term investments in commercial papers, Treasury bills, and other instruments.

Inventories are goods and products that a business has in stock and can sell. They can be raw materials, work-in-progress goods, or finished goods. Inventories, while they may be considered an asset, are less liquid than cash and cash equivalents. Hence, the option A is not the correct answer.

Receivables are amounts owed to a business by its customers and other third parties. These can include unpaid invoices, notes, and interest. While accounts receivable can be sold for cash, they are still less liquid than cash equivalents. Hence, option B is not the incorrect answer.

Plant and equipment are fixed assets used by a business to generate income. They can include machinery, buildings, and vehicles. Plant and equipment are typically more difficult to sell than other assets and are not considered to be as liquid as cash and cash equivalents. Hence, option C is also not the correct answer.

Cash equivalents, as previously stated, are short-term investments that can be converted into cash with little or no loss of principal. This makes them the most liquid of all the given options, and the correct answer is option D.

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Answer:

Works because they create products and help the company thrive

Explanation:

Answer: C. It can save money :)

Explanation:

Someone is to buy home with the help of online research. But, the included  the different collections such as the cost of utilities, services, maintenance, and insurance to buy the home.

Someone online searches home for rent with own choice is the included such as:

Cost of utilities: The cost of the rent home. There are based on budget, area, and other choices. $300 of the cost of utilities.

Cost of services: The cost of the services such as electricity, gas, water supply, and other services.  $250 of the cost of services.

Cost of maintenance: There are cost of the  maintenance such as cleaning, repairs, lawn care, CCTV camera. $200 of the cost of maintenance.

Cost of insurance: It was included in the location, size, and value of the home. $2000 of the cost of maintenance.

As a result, the significance of the different collections such as the cost of utilities, services, maintenance, and insurance to buy the home are the aforementioned.

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A contingency plan is occasionally referred to as "Plan B" or a backup plan because it can also be used as an alternative action if desired results fail to appear.

In simple words, it directs to the planning under which an association plans to cope with a situation that may or may not occur in the near future. The situation for which planning is done connects to a significant event that highly impacts the community.

In the given case, Stars and stripes are scheduling to face the problem of low sales even though they are performing well in the market for the current time.

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