PLEASE HELP ME WITH THIS ASAP WITHIN 20 MINUTES PLEASE

Can startups or smaller-sized companies effectively manage their risks through risk retention?

Companies should generate risk management plans for which they can follow a number of methods. One of these methods is risk retention, where the company pays for losses out of its own pocket. It is utilized when the insurance premiums have risen or the insurance company does not cover certain risks.

Large corporations and companies have a better means to retain their risks, due to greater access to resources. However, can start-ups and smaller companies say the same?

According to Insurance Business Canada, the Canadian insurance market has been hardening, and many organizations are considering higher retention of risks due to the increasing premiums. How can a smaller company compete with this trend, when they don't have the financial means to do so? What steps can they take to create the customized balance between risk retention and deals with insurance companies?

Answer:game desighners are mostly online

Explanation:

Answer:

Tourism industry is the industry that manages all the resources related to the tourism like hotel management, guides and many more. Tourism industry is very beneficial for the developing countries like Nepal, India and many more. Through it there will be economic development in the country. And from the economical development the citizens of the country can get facilities.

Answer:

Explanation: Tourism is the activities of people traveling to and staying in places outside their usual environment for leisure, business or other purposes for not more than one consecutive year.1.Domestic Tourism -Domestic tourism is the act of travelling for business or leisure within one’s home country2.International tourism-International tourisminvolves tourist who are traveling to different countries.

It is possible for at least one of five high school friends born in 2003 to live to be 100 years old.

Assuming that the survival of each one is independent of the others, the probability of this occurring can be calculated using the binomial probability formula.

The probability of one of the friends living to be 100 years old is equal to 1 minus the probability of all of them failing to reach the age of 100. This probability can be calculated by multiplying the probability of each friend failing to reach 100 (1-p) five times.

For example, if the probability of each friend living to 100 is 0.8, then the probability of at least one of the friends living to be 100 is equal to 1 - (0.2 * 0.2 * 0.2 * 0.2 * 0.2) = 0.99.

In conclusion, the probability of at least one of the five high school friends born in 2003 living to be 100 years old is dependent on the probability of each individual friend reaching that age, and can be calculated using the binomial probability formula.

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Answer:

true...u didn't wrote if u want answer it or not but its true

Explanation:

5.From which of the following, we get more sun's energy-

1 point

Eating other people

The importance of the government for the economic well-being of the nation and the people is to create public policies that encourage the creation of new businesses capable of generating jobs and increasing the quality of life.

It is an economic model that is based on greater freedom to conduct business, without government intervention. The free market is determined by the law of supply and demand.

Therefore, the free market system guarantees greater economic development in a country, heating up the economy, generating jobs and increasing the purchasing power and well-being of the population.

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The recommendation for Tammy should be 'sign up for direct deposit with her employer so that the money is already in her account the morning of the 1st'.

In the field of business, direct deposit is the most reliable method for getting money electronically into your account without any troubles such as the passing of checks, etc. By direct deposit, money is transferred to the bank account within no time.

If Tammy uses the direct deposit method, then her money will directly be sent to her account on the 1st without any delay. Hence, she would have two days to submit money to the international club advisor. This will be the most reliable method for her.

By using the direct deposit method, Tammy will not have to take out her time to go to banks and waste time on getting her paychecks approved.

Although a part of your question is missing, you might be referring to this question:

Your friend tammy just got a part-time job so she can afford to attend a school trip abroad later this school year. Tammy gets a paycheck on the 1st of every month, and a cash payment is due to the international club advisor by the 3rd of every month with no exceptions. More than one late payment results in being removed from the trip. What recommendation do you have for tammy?

a. Sign up for direct deposit with her employer so that the money is already in her account the morning of the 1st

b. Use her 15-minute break during work on the 1st of each month to run to the check cashing business; hopefully she doesn't get delayed by long lines and return to work late, which will anger her boss

c. Deposit the check through her mobile app on the 1st of the month and do a cash withdrawal from the ATM each month on the 2nd; hopefully the check clears in time to avoid fees

d. Sign up for overdraft protection, withdraw the money from an ATM regardless of whether the funds are there in time, and just pay the $35 overdraft fee

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Answer:

You can apply for scholarships, work in high school, and receive grants.

Explanation:

You can possibly graduate college without debt or little money owed back to a bank.

The first option is a scholarship, this money is usually only offered from a range of $500-fully paid tuition. You may have to apply to hundreds before you are granted some but they are offered from freshmen in high school all the way to almost graduating college.

Your second option is working,  sophomore year is when you'd be able to get a job the earliest. Every paycheck you save about 20%, work all the way through college and you can save enough to pay for your first year, possibly second year of college. You could also work while you're a full-time student, it'd be hard work but it can be done.

Your third option, but not last is to apply for grants. This is basically free money, they differ from scholarships though. You do not have to pay grants back, and you can get sponsored by companies to pay your way through college.

➣ Extension strategies are marketing techniques that seek to improve sales to extend the life of a product before decline begins.

Answer:

a) Find the demand equation, assuming it is linear.

The demand equation in this case is assumed to be linear.

Now, given that the quantity demanded for a particular product is 1200 units at a price of 10 and 1100 at a price of 12,

we can use the two-point form of the linear equation:

y - y1 = (y2 - y1) / (x2 - x1) (x - x1),

where(x1, y1) and (x2, y2) are the given points.

Since 1200 units are demanded at a price of 10,

we have:

x1 = 10 and y1 = 1200S

imilarly, since 1100 units are demanded at a price of 12,

we have:

x2 = 12 and y2 = 1100

Using the two-point form of the linear equation,

we get the demand equation:

y - 1200 = (1100 - 1200) / (12 - 10) (x - 10) => y - 1200 = -50 (x - 10) => y = -50 x + 1700

The demand equation is:

y = -50 x + 1700b)

At what price will the demand be 0?

To find the price at which the demand will be 0,

we need to set y = 0 in the demand equation:

y = -50 x + 1700 => 0 = -50 x + 1700 => 50 x = 1700 => x = 34

at a price of 34, the demand will be 0.

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Answer:

d

Explanation:

believe it or not I actually did this same exact question

Answer:

D. Money

Explanation:

I just took the test

Option (b), Yes, companies with risk of default tend to have a higher debt and lower equity. The average debt for companies with a risk of default is $26,712 and the average debt for companies without a risk of default is $20,381.

The average equity for companies with a risk of default is $2,580 and the average equity for companies without a risk of default is $17,609.

From the given table, we can see that the debt and equity values are given for 32 different companies. Using table-based calculations, we can find the average debt and equity for companies with and without a risk of default. The formula for calculating the average is:

Average = Sum of values / Number of values

First, let's calculate the average debt for companies with a risk of default. There are 14 companies with a risk of default.

So,

Sum of debt values for companies with a risk of default

= $16,157 + $25,000 + $10,000 + $7,373 + $10,000 + $15,000 + $15,000 + $18,000 + $20,000 + $11,000 + $28,000 + $11,000 + $10,560 + $9,250

= $216,340

Average debt for companies with a risk of default

= 216340 / 14

= $15,453 (rounded to the nearest whole number)

Next, let's calculate the average debt for companies without a risk of default. There are 18 companies without a risk of default. So,

Sum of debt values for companies without a risk of default

= $19,000 + $4,248 + $9,998 + $3,678 + $15,000 + $8,675 + $9,625 + $23,000 + $20,000 + $14,000 + $9,200 + $19,000 + $24,048 + $18,000 + $2,624 + $20,000 + $8,769 + $8,166

= $221,031

Average debt for companies without a risk of default

= 221031 / 18

= $12,279 (rounded to the nearest whole number)

Similarly, let's calculate the average equity for companies with and without a risk of default.

Average equity for companies with a risk of default

= (Sum of equity values for companies with a risk of default) / 14

= $2,580 (rounded to the nearest whole number)

Average equity for companies without a risk of default

= (Sum of equity values for companies without a risk of default) / 18

= $17,609 (rounded to the nearest whole number)

Based on the calculations, we can conclude that companies with risk of default tend to have a higher debt and lower equity. So, the answer is option B.

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Answer: Advertisement is a marketing communication. It is used to promote businesses and their products. Used to promote more effectiveness in a businesses profit and their sales. May be seen in the form of commercials or billboard announcements in everyday life.

A structured six-step method for coming up with, choosing, developing. and commercializing  product ideas.

Product development is a challenging yet interesting process. There is never a repeat process for a product introduction, from the first idea to the research and development. To assist you get started with the product development process, there is a common procedure.

The six steps that must be completed for a product to get from initial concept to final market launch are outlined in the product development process. Finding a market need, studying the competition, coming up with ideas for a solution, creating a product roadmap, and creating a minimal viable product are all part of this (MVP).

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What is not one of the main components of money management is tracking interest rates. Money management is a strategy to make money work by tracking expenses and financial factors.

The components of money management are:

Through these three components, a person is able to analyze, manage, control and review their finances to keep their inflows and outflows, investments and financial needs under control.

It is therefore essential for an individual to learn more about money management, to avoid debt, undue expenses and losses arising from mismanagement of their personal finances.

The correct answer is letter C.

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Answer:

C because you need to know all the financial records , personal statements and how to budget .

Explanation:

The company's weighted average cost of capital (WACC) is approximately 11.32%.

To calculate the weighted average cost of capital (WACC), consider the different sources of capital for the company and their respective weights. In this case, the sources of capital are market value debt, preference shares, and ordinary shares.

Step 1: Calculate the weights of each source of capital.

Total market value debt = $200 million

Total market value of preference shares = 2 million shares * $20 per share = $40 million

Total market value of ordinary shares = 14 million shares * $20 per share = $280 million

Total market value of all sources of capital = $200 million + $40 million + $280 million = $520 million

Weight of debt = Market value of debt / Total market value of all sources of capital

Weight of debt = $200 million / $520 million = 0.3846 (approximately 38.46%)

Weight of preference shares = Market value of preference shares / Total market value of all sources of capital

Weight of preference shares = $40 million / $520 million = 0.0769 (approximately 7.69%)

Weight of ordinary shares = Market value of ordinary shares / Total market value of all sources of capital

Weight of ordinary shares = $280 million / $520 million = 0.5385 (approximately 53.85%)

Step 2: Calculate the cost of each source of capital.

Cost of debt:

Coupon rate = 9% (semiannual pay)

Bond price = $1,024.87

Face value = $1,000

Number of periods = 15 years * 2 (since semiannual payments) = 30 periods

We can use the following formula to calculate the cost of debt:

Cost of debt = Coupon payment / Bond price + (Face value - Bond price) / Number of periods / (Face value + Bond price) / 2

Coupon payment = Coupon rate × Face value / 2

Coupon payment = 9% × $1,000 / 2 = $45

Cost of debt = $45 / $1,024.87 + ($1,000 - $1,024.87) / 30 / ($1,000 + $1,024.87) / 2 ≈ 0.0438 (approximately 4.38%)

Cost of preference shares:

Dividend per preference share = $1.20

Market price per preference share = $20

Cost of preference shares = Dividend / Market price

Cost of preference shares = $1.20 / $20 ≈ 0.06 (approximately 6%)

Cost of ordinary shares:

Dividend in the next year = $2.20

Expected dividend growth rate = 7%

We can use the Gordon growth model to calculate the cost of ordinary shares:

Cost of ordinary shares = (Dividend / Share price) + Dividend growth rate

Cost of ordinary shares = ($2.20 / $20) + 7% ≈ 0.17 (approximately 17%)

Step 3: Calculate the weighted average cost of capital (WACC).

WACC = (Weight of debt × Cost of debt) + (Weight of preference shares × Cost of preference shares) + (Weight of ordinary shares × Cost of ordinary shares)

WACC = (0.3846 × 0.0438) + (0.0769 × 0.06) + (0.5385 × 0.17)

WACC ≈ 0.0169 + 0.0046 + 0.0917

WACC ≈ 0.1132 (approximately 11.32%)

Therefore, the company's weighted average cost of capital (WACC) is approximately 11.32%.

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The complete question goes thus:

WACC for a company: Contemporary Products Ltd currently has $200 million of market value debt outstanding. The 9 per cent coupon bonds (semiannual pay) have a maturity of 15 years, a face value of $1000 and are currently priced at $1,024.87 per bond. The company also has an issue of 2 million preference shares outstanding with a market price of $20. The preference shares offer an annual dividend of $1.20. Contemporary Products also has 14 million ordinary shares outstanding with a price of $20.00 per share. The company is expected to pay a $2.20 ordinary dividend 1 year from today, and that dividend is expected to increase by 7 per cent per year forever. If the corporate tax rate is 40 per cent, then what is the company’s weighted average cost of capital?

Answer:

Hope this helps and have a nice day :)

Explanation:

When deep frying, it is essential to take necessary precautions to prevent oil spills, burns, and fires. Here are some recommended precautions to take:

1. Choose an appropriate deep frying pot that best fits your burner and can hold enough oil to submerge the food you intend to fry.

2. Use a high-smoke point oil such as canola, vegetable, sunflower, soy, or peanut oil.

3. Do not overcrowd the frying pot, as this can cause a sudden drop in the oil's temperature, which can result in soggy food. Overcrowding can also cause oil to spill and create a fire hazard.

4. Use a thermometer to monitor the oil temperature, as overheated oil can ignite and cause a fire.

5. Use a splatter screen to prevent oil from splashing out of the frying pot.

6. Keep children and pets away from the frying area.

The recommended amount of fat and temperature to use when deep frying depends on the food you are frying. Here are some general guidelines:

1. For French fries or chicken wings, use about 1-2 liters of oil and heat it to a temperature of 375°F (190°C).

2. For lighter foods such as tempura vegetables or shrimp, use about 4-5 cups of oil and heat it to a temperature of 350°F (175°C).

3. For deep frying fish, use about 4 inches of oil and heat it to a temperature of 350°F (175°C).

It is essential to follow these guidelines to ensure the safety of yourself and others while deep frying. Remember to avoid distractions and always keep an eye on the frying process.

Answer:

False

Explanation:

Certifications are official verification, from an accredited source, attesting to capability, not credentials. Certifications include diplomas and degree certificates.

Credentials are only qualifications, personal quality, or achievement that shows a person is good at a skill. This can include getting a trophy for winning all games in a chess tournament.

A person who fails to make loan payments on time is likely to face the consequence of paying higher interest rates on future loans. The correct option is A.

When a borrower fails to make loan payments on time, it can negatively affect their credit score. This can make it harder to obtain future loans or credit cards, and lenders may charge higher interest rates to compensate for the increased risk of lending to someone with a lower credit score.

It is important to note that failing to make loan payments on time does not typically result in being arrested and charged with bank fraud. However, it is important to communicate with the lender and work out a plan for repayment to avoid further consequences such as defaulting on the loan or having the loan sent to a debt collection agency.

Thus, the ideal selection is option A.

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Given the numerous varieties of unemployment and the fact that some are inevitable or even required for a healthy labor market, full employment is not the same as zero unemployment.

The nonaccelerating inflation rate of unemployment (NAIRU), the absence of cyclical unemployment, and GDP at potential are the three conditions for full employment, according to the BLS.

When part-time workers cannot find occupations that match their skill level, there may be underemployment or unemployment in an economy with full employment. This type of unemployment is considered structural rather than cyclical. Because some people may still be unemployed due to skill mismatches, full employment does not equate to zero unemployment.

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When the owners of the bank borrow $100 to supplement their existing reserves, it'll increase the reserves account and debt account.

It should be noted that a reserve account simply means the accumulation of funds that are used for future purpose.

In this case, when the owners of the bank borrow $100 to supplement their existing reserves, it'll increase the reserves account and debt account.

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Answer:

1. Salesforce helps their people feel good by giving back to the community. They also offer great challenges and rewards, and have open communication culture.

2. Cisco offers good benefits that focus on family and enabling people to combine parenthood with their jobs. It’s also a great place to learn and develop professionally.

3. Admiral allows people to give back to the community through charity. They have built a strong sense of belonging and believe in the importance of having fun so people bring their best to work.

Explanation:

Answer:

Happy meal wih a mcdoobale

Explanation:

Answer: Your welcome!

Explanation:

Welcome to Fantasy Island, a tropical paradise located in the Caribbean Sea. Here, you will find a world of enchantment and adventure, beautiful beaches, lush jungles, and a vibrant culture.

At Fantasy Island, you can explore the local culture and experience a variety of activities. From snorkeling and diving to horseback riding and jungle trekking, there is something for everyone. You can also relax on the beach, take a dip in the crystal-clear waters, or explore the many nearby islands.

Fantasy Island is home to a variety of wildlife and plants, including exotic birds, mammals, and reptiles. You can take a boat tour to see dolphins, turtles, and manatees, or explore the colorful coral reefs. There are also plenty of opportunities for fishing, and you can even go whale-watching.

Experience the magic of Fantasy Island with its friendly locals, delicious cuisine, and vibrant nightlife. With its perfect climate and stunning scenery, this is the perfect place to relax and experience a little bit of paradise.

Come to Fantasy Island and unlock the secrets of the Caribbean. We look forward to seeing you soon!

To design a service process, create a service environment, and build loyalty among customers for Orson Côn Đảo Resort, several steps need to be followed.

Firstly, an overview of the destination market demand and travel trends should be conducted to understand the target market and identify potential opportunities. Secondly, a detailed overview of the service products should be provided, including a SWOT analysis to assess strengths, weaknesses, opportunities, and threats. Thirdly, a capacity inventory survey and analysis should be conducted to determine the available resources and their utilization. Fourthly, demand forecasting should be done to anticipate future tourist arrivals, and consistent promotional campaigns should be developed to attract more visitors. Fifthly, an outstanding service process should be established to differentiate the resort from competitors, and a benchmark model can be used for reference. Finally, recommendations should be provided to improve the overall service quality and enhance customer loyalty.

To successfully design the service process for Orson Côn Đảo Resort, it is essential to have a comprehensive understanding of the destination market demand and travel trends. This involves conducting market research, analyzing industry reports, and staying updated with current travel patterns and preferences. This information will guide the resort in targeting the right customer segments and tailoring their services accordingly.

An overview of the service products should be provided, highlighting the unique selling points and advantages of Orson Côn Đảo Resort. A SWOT analysis should be conducted to identify internal strengths and weaknesses, as well as external opportunities and threats. This analysis will help in formulating strategies to capitalize on strengths, overcome weaknesses, exploit opportunities, and mitigate threats.

A capacity inventory survey and analysis should be performed to assess the resort's existing resources, including accommodation, facilities, and staff. This analysis will determine the resort's ability to handle different levels of demand and ensure optimal utilization of resources.

Based on the market demand and capacity analysis, a demand forecast should be conducted to estimate future tourist arrivals. This information will guide the development of consistent promotional campaigns aimed at attracting a higher number of visitors to the resort. The campaigns should be designed to create awareness, highlight the unique features of the resort, and communicate the value proposition to potential customers.

To differentiate from competitors, Orson Côn Đảo Resort should establish an outstanding service process. This involves defining customer touchpoints, streamlining service delivery, and providing exceptional experiences at every stage of the customer journey. Benchmarking can be employed to learn from successful service models in the industry and adapt them to the resort's unique context.

Finally, recommendations should be provided to further enhance the overall service quality and build customer loyalty. This may include suggestions for staff training and development, service personalization, customer engagement initiatives, and continuous improvement efforts. These recommendations should align with the resort's vision, mission, and brand values to ensure a consistent and memorable guest experience.

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It may be necessary for leaders to inspire and coach rather than use command and control while implementing strategic plans.

Strategic planning is the process by which an organization determines its strategy or direction and decides how to allocate its resources to achieve its strategic goals. It might also include constraints for directing how the plan is put into action. In the 1960s, corporations started to prioritize strategic planning, which is still a crucial component of strategic management today. The process is carried out by strategic planners or strategists who conduct extensive research and analyze the organization and how it interacts with the marketplace. While the term "strategy" has many different meanings, most definitions include the following: setting strategic goals, deciding on actions to achieve the goals, establishing a timeline, and mobilizing resources to carry out the actions.

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The engage stage begins when a prospect or customer takes a desired action.

By helping them through the consideration and decision phases of their buyer journey, companies can convert new prospects into customers during the engage stage. It is an important step in the customer journey and usually starts when a prospect or client takes the desired action.  Filling out a form, clicking on an advertisement, making a purchase, or expressing interest in a commodity are all examples of this behaviour.

It occurs when a company has the chance to develop a relationship with the consumer and give them a fulfilling experience. To build a devoted client base and encourage repeat business, businesses must successfully communicate with their consumers and prospects. Effective communication, individualised interactions, and offering the client value are ways to accomplish this.

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Answer:

1.strengths

2.opportunities

3.weakneses

4.threats

5.industry

6.environment

8.economic

9.supliyer

10.customer

Aaron Jefferies has found the condo he wants to buy, and he has a specific demand for the current owner to leave all the window coverings in the condo. This condition should be included in 2 documents: the purchase offer and the purchase contract.

The purchase offer is also known as the Purchase Agreement. This document contains a written proposal as an offer to purchase a property with certain conditions. In this document, the offer has not yet been agreed upon. Meanwhile, the purchase contract/agreement (in some cases also called a real estate contract) is an actual agreement between a seller and a buyer in which the offer has been agreed upon.

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Answer:

A consumer good is a product intended for final use by a consumer.

Explanation:

Consumer good: a good intended for final use by consumers rather than by businesses

The answers to the critical thinking question are given as follows:

The investigation of available facts, evidence, observations, and arguments to create a decision is known as critical thinking.

The topic is complicated; numerous definitions exist, but they all contain a reasoned, skeptical, and unbiased investigation or evaluation of factual facts.

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I will assume it as simple interest as nothing is mentioned

SI = (P × R × T)/100

SI = (421×4×9)/100

SI = 15156/100

SI = 151.56

You will pay $151.56

Answered by Gauthmath must click thanks and mark brainliest