a life insurer is about to issue a 30-year deferred annuity-due with annual payments of $20 000 to a select life aged 35. the policy has a single premium which is refunded without interest at the end of the year of death if death occurs during the deferred period. (a) calculate the single premium for this annuity. (b)the insurer offers an option that if the policyholder dies before the total annuity payments exceed the single premium, then the balance will be paid as a death benefit, at the end of the year of death. calculate the revised premium.

The $10,000 awarded to the assault victim is an example of compensatory damages. Compensatory damages are intended to compensate the victim for the harm or loss they have suffered as a result of the defendant's actions.

These damages may include reimbursement for medical expenses, lost wages, and compensation for pain and suffering. Compensatory damages are the most common type of tort damages awarded in civil cases. Compensatory damages, also known as actual damages, are damages awarded by a court equivalent to the loss a party suffered. If a party's right was technically violated but they suffered no harm or losses, a court may instead grant nominal damages.

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The reasons why market research may not be useful are centered around obtaining the exact accuracy and the cost of conducting the entire research pointing out poor research practices and inexperience which must be accurately managed.

The required three reasons why market research may not be useful are as follows:

Based on the above-mentioned three aforesaid points, the results of market research may not be useful all the time and cause the original output to be less than up to the mark.

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It is important to establish a set of records for a merchandising company that supports ethical decision-making.

These records should include written policies and procedures that ensure compliance with laws and regulations, such as anti-corruption policies, conflict of interest guidelines, and customer privacy protections.

Additionally, company executives and managers should be trained on these policies and procedures and be held accountable for upholding them. Finally, internal audits should be conducted to verify that policies and procedures are being followed.  

By following these procedures, a merchandising company can ensure ethical decision-making and a culture of integrity.

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Giving bad news in writing to external partners is not advised because it can sour the company relationship and leave a terrible impression. It is preferable to communicate such news over the phone.

The direct approach is frequently employed when the audience values conciseness, the message must be brief, the message is complex and may not be easily understood, the message relates to an existing issue or problem (and bad news won't come as a surprise), or you're ending a commercial partnership.

indirect strategy. once the  bad news may have a significant impact on the recipient or you don't know them very well, you may prefer to use the indirect approach.

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On January 1, Year 4, if the partnership sells the building for $1,100 and liquidates, the appropriate tax allocations and distributions to G and L would be determined by the gain or loss that results from the sale.

In a partnership, if a property is sold, the gain or loss is allocated to the partners based on the ownership ratio of the partnership. For example, if G and L owned the partnership in a 1:1 ratio, the gain or loss would be split evenly between them. In this scenario, let us assume that the building was sold for $1,100, resulting in a profit of $100. In this case, the tax allocation and distribution to G and L would be:

Tax Allocation: The $100 gain would be allocated between G and L in their ownership ratio. Let us assume G and L own the partnership in a 1:1 ratio. Therefore, $50 would be allocated to each partner.

Distribution: The $50 gain would be distributed to each partner in their ownership ratio. Therefore, $50 would be distributed to G, and $50 would be distributed to L. The partnership would then be dissolved because there is no property to maintain. The partners must pay their individual taxes on the $50 profit they earned.

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When payment is received before services have been performed, it is known as prepaid revenue. This type of transaction is recorded as a liability in the company's financial statements until the services are provided.What is prepaid revenue?

Prepaid revenue is a revenue account that represents advance payments received by a business. This type of transaction is recorded as a liability in the company's financial statements until the services are provided. The payments are made by customers or clients before services have been provided or goods have been delivered. As a result, prepaid revenue is classified as a liability in a company's balance sheet. The liability is decreased as revenue is generated, and the amount of prepaid revenue included in a company's balance sheet decreases as the revenue is earned by providing services or selling goods.

Company ABC receives a $1000 advance payment from a client for services to be provided over the next six months. The $1000 is recorded as prepaid revenue on Company ABC's balance sheet as a liability. As Company ABC performs services and invoices the client for $500 of work completed, it is recorded as revenue, and the prepaid revenue liability is reduced by $500. After three months, Company ABC has earned $1500 in revenue, and the balance sheet now reflects $500 in prepaid revenue.

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The five sources of risk that may impact the vulnerability of global logistics activities are:

The five arguments in favor of local versus global sourcing:

Explanation of the five sources of risk that can affect the vulnerability of global logistics activities:

Explanation of the five arguments in favor of local versus global sourcing:

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Mr. Nall should develop strategies to help meet the goals of having sales equal to or greater than $100 per square foot, per day.

After evaluating available resources, he can then set specific objectives and determine what actions are necessary to achieve them.

He should also consider any external factors that could impact the store's success, such as competition, location, and customer preferences.

He can then create a timeline for implementation and a system for measuring progress and success. Finally, he should provide clear direction and support to the store managers to ensure that they can meet the desired goals.

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Answer: I think it is C. Figuring out a target market.

Explanation:

C. Figuring out a target market.

Targeted marketing refers to the process of identifying a specific group of consumers who are likely to be interested in a particular product or service and tailoring marketing efforts to reach that group. This involves researching and analyzing consumer data to determine demographics, behaviors, and preferences of the target market, and developing marketing strategies that specifically address their needs and interests. The goal of targeted marketing is to increase the effectiveness and efficiency of marketing efforts by focusing on those most likely to buy the product or service, rather than trying to appeal to a broad, general audience.

According to the textbook, it may take 15 years to develop an employee into a senior executive. The answer is option c.

An employee is an individual who has been hired to work for a business or organization for a salary, wages, or other types of compensation. Employees are typically classified into two types: regular employees and contract workers. The employer-employee relationship is defined by the terms of the employment agreement, which outlines the responsibilities and obligations of both parties.

There are a variety of career advancement possibilities available to employees, but becoming a senior executive may take years of hard work and dedication. In general, senior executives are responsible for overseeing the operations of an organization and making strategic decisions to ensure its continued growth and success. According to the textbook, it may take 15 years to develop an employee into a senior executive.

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Capital gains tax is a taxation policy that imposes a tax on capital gains that occur when an asset is sold at a higher value than its original purchase price.  If it were up to me, I would keep the capital gains tax rate the same.

Capital gains refer to the profits earned from the sale of a capital asset, such as stocks, real estate, or a business. Capital gains are calculated by taking the difference between the sale price of the asset and its original purchase price, adjusted for any improvements or expenses incurred during the holding period.

When an individual or a company sells a capital asset for more than its purchase price, the difference represents a capital gain. Capital gains can be short-term or long-term, depending on the holding period of the asset. Short-term capital gains are earned on assets held for less than one year, while long-term capital gains are earned on assets held for more than one year.

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Out of the six bonds given, the 30-year bond with a $1,000 face value whose coupon rate is 8.7% APR paid semiannually will be most sensitive to a change in interest rates if all bonds have the same initial yield to maturity.

The relationship between a bond's price and interest rates is inverse. When interest rates rise, the present value of future cash flows decreases, lowering the price of a bond. Bond prices and interest rates have a close relationship in finance.

The greater the bond's sensitivity to interest rates, the higher its duration. Conversely, lower sensitivity means less duration

The following are the factors that contribute to a bond's sensitivity to interest rates:

Maturity date: The longer the bond's maturity, the more sensitive it will be to changes in interest rates.Yield: The greater the bond's yield, the less sensitive it will be to changes in interest rates.

Coupon rate: Bonds with lower coupon rates are more sensitive to interest rate changes because they have more interest rate risk, whereas those with higher coupon rates are less sensitive because they have less interest rate risk.Bond prices and interest rates have a close relationship in finance. The greater the bond's sensitivity to interest rates, the higher its duration. Conversely, lower sensitivity means less duration

So, the most correct answer is "Out of the six bonds given, the 30-year bond with a $1,000 face value whose coupon rate is 8.7% APR paid semiannually" .

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A data analyst may utilize formulas to do calculations, spreadsheets to aggregate data, or reports to be produced from the data during the analyze phase of the data life cycle.

Identify patterns, test ideas, and illustrate findings by creating analyses and visualizations. Make sure your data can be replicated during this process by keeping track of your techniques and data processing processes. Discover additional information, including this.

The way you examine the data, though, is what helps you make wiser decisions, not just having access to it. The four tiers of analytics—descriptive, diagnostic, predictive, and prescriptive—are crucial to comprehend for this reason.

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The unit product cost for both years is determined using variable costing is ($1,192,000) unfavorable.

Year 1:
Variable cost per unit = $3
Fixed manufacturing overhead cost per unit = $247,000 ÷ 80,000 units = $3.09
Unit product cost = Variable cost per unit + Fixed manufacturing overhead cost per unit= $3 + $3.09 = $6.09

Year 2:

Variable cost per unit = $3
Fixed manufacturing overhead cost per unit = $247,000 ÷ 120,000 units = $2.06

Unit product cost = Variable cost per unit + Fixed manufacturing overhead cost per unit = $3 + $2.06 = $5.06
The variable costing net operating income in Year 1 and Year 2 can be calculated as follows:

Year 1:
Sales revenue = 80,000 units × $31 per unit = $2,480,000

Variable expenses = 80,000 units × $3 per unit = $240,000

Contribution margin = Sales revenue – Variable expenses = $2,480,000 – $240,000 = $2,240,000

Fixed expenses = $247,000

Variable costing net operating income = Contribution margin – Fixed expenses = $2,240,000 – $247,000 = $1,993,000

Year 2:

Sales revenue = 120,000 units × $31 per unit = $3,720,000
Variable expenses = 120,000 units × $3 per unit = $360,000
Contribution margin = Sales revenue – Variable expenses = $3,720,000 – $360,000 = $3,360,000

Fixed expenses = $247,000
Variable costing net operating income = Contribution margin – Fixed expenses = $3,360,000 – $247,000 = $3,113,000

The reconciliation of absorption costing and variable costing net operating income figures can be done as follows:

Year 1:

Absorption costing net operating income = Sales revenue – Cost of goods sold – Fixed expenses

= $2,480,000 – ($3 × 80,000 units) – ($247,000 ÷ 80,000 units × 80,000 units) = $1,393,000

Variable costing net operating income = Contribution margin – Fixed expense = $2,240,000 – $247,000 = $1,993,000

Reconciliation adjustment = Absorption costing net operating income – Variable costing net operating income = $1,393,000 – $1,993,000 = ($600,000) unfavorable

Year 2:

Absorption costing net operating income = Sales revenue – Cost of goods sold – Fixed expenses

= $3,720,000 – ($3 × 120,000 units) – ($247,000 ÷ 120,000 units × 120,000 units) = $1,921,000

Variable costing net operating income = Contribution margin – Fixed expenses = $3,360,000 – $247,000 = $3,113,000

Reconciliation adjustment = Absorption costing net operating income – Variable costing net operating income = $1,921,000 – $3,113,000 = ($1,192,000) unfavorable.

The negative reconciliation adjustments in both years imply that variations in inventory levels are what account for the discrepancy between absorption costing and variable costing net operating income. Absorption costing, in particular, allocates fixed production overhead costs to inventory units, regardless of whether they are sold or stay in stock. Changes in inventory levels therefore have an impact on the amount of fixed production overhead expenditures that are expensed.

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Therefore, you should invest 87% of your money in the risky asset and the rest (13%) in the T-bill.

Using the CAPM, we can calculate the expected return of the risky asset as:E(R1) = Rf + beta * (E(Rm) - Rf)Rf is the risk-free rate (the T-bill rate in this case)beta is the systematic risk of the risky assetE(Rm) is the expected return of the market portfolio (assumed to be the same as the risky asset in this case)Assuming beta = 1, we get:E(R1) = 0.04 + 1 * (0.14 - 0.04) = 0.14 Substituting all the values into the formula for the expected return of the portfolio, we get: 0.147 = w1 * 0.14 + (1 - w1) * 0.04 Solving for w1, we get: w1 = (0.147 - 0.04) / (0.14 - 0.04) = 0.87 Therefore, you should invest 87% of your money in the risky asset and the rest (13%) in the T-bill.

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The transformation process are:

1. Automobile Industry: Input: Raw materials, Process: Machinery and workers assemble the parts and components, Output: Finished vehicles.

2. Food Industry: Input: Raw ingredients, Process: Preparation, cooking, and presentation of the food, Output: Prepared meals and beverages.

3. Textile Industry: Input: Raw materials, Process: Machinery and workers weave products, Output: Finished clothing and accessories.

4. Electronic Industry: Input: Raw materials, Process: Machinery and workers assemble the parts and components, Output: Finished electronics.

5. Pharmaceutical Industry: Input: Raw material, Process: Machinery and workers, Output:  Drugs and medicine.

A transformation process refers to group of activities that takes one or more inputs, transforms. and adds value to them, and provides outputs for customers or clients. The five industries and their transformation process are as follows:

1. Automobile Industry: The input for the automobile industry is raw materials such as steel, rubber, plastic, etc. that are assembled in the form of various car components using machinery and workers such as engine, frame, etc. The output of the automobile industry is finished cars that are ready to be sold. The process in the automobile industry involves various stages such as designing, manufacturing, assembling, testing, etc.

2. Food Industry: The input for the food industry is raw ingredients such as wheat, vegetables, meat, etc. that are processed in the form of various food products involving preparation, cooking, and presentation such as bread, pasta, canned food, etc. The output of the food industry is finished food products that are ready to be consumed. The process in the food industry involves various stages such as sourcing, processing, packaging, storing, etc.

3. Textile Industry: The input for the textile industry is raw materials such as cotton, wool, silk, etc. that are processed in the form of various textile products using machinery and workers such as clothes, carpets, blankets, etc. The output of the textile industry is finished textile products that are ready to be sold. The process in the textile industry involves various stages such as spinning, weaving, dyeing, printing, etc.

4. Electronic Industry: The input for the electronic industry is raw materials such as metal, plastic, silicon, etc. that are processed in the form of various electronic components using machinery and workers such as chips, circuits, screens, etc. The output of the electronic industry is finished electronic products such as phones, laptops, televisions, etc. The process in the electronic industry involves various stages such as designing, manufacturing, assembling, testing, etc.

5. Pharmaceutical Industry: The input for the pharmaceutical industry is raw materials such as chemicals, minerals, herbs, etc. that are processed in the form of various drugs and medicines using machinery and workers. The output of the pharmaceutical industry is finished drugs and medicines that are ready to be used. The process in the pharmaceutical industry involves various stages such as research, development, testing, production, etc.

Note: The question is incomplete. The complete question probably is: Choose five industries you are familiar with and explain the transformation process (input, process, and output) for each.

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Inventory records for Cape Town, Incorporated revealed the following:

31 April 20 Purchase 3902. 75 Cape Town sold 580 units of inventory during the month.

Ending inventory, assuming FIFO would be $ answer.

Step 1: Calculate the cost of the goods that were sold in April. April 1 beginning inventory 460 x $2.31 = $1,062.60 April 20 purchase 390 x $2.75 = $1,072.50 Total cost of goods available for sale = $1,062.60 + $1,072.50 = $2,135.10 Cost of goods sold = 580 x $2.31 = $1,337.80

Step 2: Determine the cost of the ending inventory, assuming FIFO would be used.The cost of the ending inventory will be calculated using the FIFO approach. The FIFO approach assumes that the first units purchased are the first units sold, and the ending inventory consists of the most recent purchases.

Since Cape Town sold 580 units of inventory during the month, the ending inventory consists of the 270 units purchased on April 20th at a cost of $2.75 per unit.

Therefore, the cost of the ending inventory is:270 x $2.75 = $742.50 Thus, the ending inventory assuming FIFO would be $742.50.

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The Substitution Principle states that the value of a property is determined by the cost of the next best alternative use of the property.

In other words, if the property is not available, what would be the most economically beneficial alternative use?

The Contribution Principle states that the value of a property is determined by the cost of constructing a replacement building. In other words, if a replacement building needs to be built, what would it cost?

The Highest and Best Use Principle states that the value of a property is determined by the highest and most profitable use of the property. In other words, what is the most economically beneficial use of the property?

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Your account with the bank will have $1,748,537.34 if you leave the money in the bank to be withdrawn all in 20 years from today.

To solve this problem, we need to use the formula for compound interest:

[tex]FV = PV(1 + r/n)^(n*t)[/tex]

where FV is the future value, PV is the present value (the amount of the first deposit), r is the annual interest rate, n is the number of times the interest is compounded per year, and t is the number of years.

In this case, we have:

We need to make 8 annual deposits, so the total amount of money we will have in 20 years is:

[tex]FV = 8 * PV + PV(1 + r/n)^(nt) * ((1 + r/n)^(n) - 1) / (r/n) FV = 8 * 40000 + 40000 * (1 + 0.08/1)^(120) * ((1 + 0.08/1)^(1) - 1) / (0.08/1) FV = $1,748,537.34[/tex](rounded to the nearest $0.01)

Therefore, your account with the bank will have $1,748,537.34 if you leave the money in the bank to be withdrawn all in 20 years from today.

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The yield on 30-day T-bills is an important metric for understanding the current state of the economy.

Economy is the large-scale study of production, distribution, and consumption of goods and services in an area. It is usually divided into two main categories: macroeconomics, which studies the behavior of the economy as a whole, and microeconomics, which looks at how individuals, businesses, and governments interact with each other.

It is an indication of the market's expectations for the near-term direction of interest rates. The yield on 30-day T-bills is an important factor in determining the cost of borrowing and the return on investments.
Your brother-in-law's estimates of current yields on various other types of investments can help you make informed decisions about investing. For example, if you were looking to invest in long-term bonds, you would want to compare the yield on a 30-day T-bill with the yield on a long-term bond to determine which would offer the best return. Similarly, if you were considering investing in stocks or mutual funds, you could compare the expected return on those investments to the yield on the 30-day T-bill to determine which would offer the best return.

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a linguistic model for artificial intelligence. Yet, if you provide me the right details, I can answer any queries you might have or offer whatever insights I'm designed to offer.Whit industries manufactures  industries

Industries are economic endeavours that produce items or offer services to meet the needs and wants of people. The phrase is frequently used to refer to a particular economic sector, such as the manufacturing, building, or service industries. Depending on how they operate, what kinds of goods or services they offer, and the markets they target, industries can be categorised into a variety of groups. The economy is significantly impacted by industrial activity, which also contributes to the gross domestic product and creates job possibilities (GDP). In order to remain competitive and satisfy customer demand, industries must adapt to changes in technology, consumer tastes, and international rivalry.

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Answer : The EPS of ABC Co. is $7.80 per share common dividend per share of ABC Co. is $1.5 per share.

Operating profit of ABC Co. = $240,000, Common shares outstanding = 20,000, Corporate taxes paid = $57,600, Interest expenses for the year = $48,000. Preferred dividends paid = $26,400. Common dividend paid = $30,000. Now, let’s calculate EPS: EPS = (Operating Profit - Preferred Dividends)/Weighted Average Common Shares

Outstanding profit after taxes = Operating Profit – Corporate Taxes = $240,000 – $57,600= $182,400. Number of common shares outstanding = 20,000, Weighted average common shares = Number of shares x number of months outstanding /12. Weighted average common shares = 20,000 shares x 12/12. Weighted average common shares = 20,000EPS = (182,400 – 26,400) / 20,000= $156,000 / 20,000= $7.80 per share.

Therefore, the EPS of ABC Co. is $7.80 per share.Now, let’s calculate the common dividend per share : Common Dividend per share = Common Dividend / Number of Common Shares. Common Dividend per share = $30,000 / 20,000= $1.5 per share.

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The policy of Libra Ltd to retain 40% of the profit after tax for the financial year ended 31 December 2020 was adhered to.

The net income for the year was R400 000, which means that 40% of the profit (R160 000) was retained. This can be seen in the following excerpt from the financial statements:

Net income: R400 000

Retained earnings: R560 000

This is an increase of R160 000 from the previous year’s retained earnings, indicating that Libra Ltd has adhered to their policy of retaining 40% of the profit after tax.

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The depletion charge per unit is $0.691 per ton of coal reserves.

a. The depletion charge per unit is calculated as follows:

= (Cost of Coal Reserves - Salvage Value) / Total Estimated Units of Coal Reserves

Where Salvage Value = 0 (Assumed) and Total Estimated Units of Coal Reserves = 829,000 tons

Depletion Charge per Unit = ($572,900 - $0) / 829,000 tons = $0.691 per ton of coal reserves

                                                 Year 0      Year 1         Year 2

Assets  

Mine                                                $572,900  $572,900 $572,900

Less: Accumulated Depletion       $0               $301,185   $516,135

Equity  

Retained Earnings                           $0              ($301,185) ($516,135)

Year 1:

Depletion Expense: $301,185

Accumulated Depletion: $301,185

Year 2:

Depletion Expense: $214,950 ($0.691 x 373,050 tons)

Accumulated Depletion: $516,135 + $214,950 = $731,085

Note that the balance in the Accumulated Depletion account at the end of Year 2 is equal to the cost of the mine ($572,900) minus the total depletion expense recorded to date ($731,085), or a remaining book value of ($158,185).

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The Sustainable Growth Rate (SGR) is the pace at which a company's capital structure (debt/equity) might expand assuming its current capital structure is maintained.

What does it mean to be environmentally friendly?

Sustainability entails meeting the requirements of current generations without jeopardizing the needs of future generations, while maintaining a balance of economic growth, environmental stewardship, and social well-being.

To keep the seas clean, avoid using plastic bags. Planting trees to help safeguard the environment is a way of life on land. Recycling paper, plastic, glass, and aluminum is an example of responsible consumption and manufacturing. Sustainable towns and communities rely on bicycling, walking, and taking public transportation.

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Answer:

True

Explanation:

You should look these up in quizlet, they usually have most answers or similar questions

A business plan is indeed a detailed written statement that describes the nature of the business, the target market, the advantages the business will have in relation to competition, and the resources and qualifications of the owner(s).  

This statement is true because it  is an essential document for any business, as it outlines the goals and objectives of the business and provides a roadmap for how to achieve those goals.

A business plan also helps to secure funding and attract investors, as it demonstrates the viability and potential profitability of the business.

Therefore, it is crucial for any business owner to create a comprehensive and well-written business plan.

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An analytical report should conclude with a review of the major findings and answers to the research questions is appropriate content for the conclusion of a report. Thus, option (b) is correct.

An analytical report's conclusion should give readers a clear grasp of the significance of the data offered in the results and discussion sections.

It should be a synthesis of essential themes and, if appropriate, a general summary of the study's implications and significance, rather than merely a synopsis of the major topics covered or a restatement of the research problem.

Therefore, option (b) is correct.

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Your question is incomplete, but most probably the full question was.

Which of the following is appropriate content for the conclusion of a report? check all that apply.

To determine how many additional utils a consumer would need to get from reading The Economist to justify the extra cost of $2, we would need to know the consumer's marginal utility for each magazine.

Assuming that the consumer has a marginal utility of 20 utils for the last issue of People magazine they read, we can estimate their marginal utility for The Economist by considering how much additional utility they would receive from reading it.

If reading The Economist provides the consumer with an additional 10 utils compared to reading People magazine, for example, then the consumer would need to gain at least 10 additional utils to justify the extra cost of $2. If the consumer values each additional util equally, this means they would need to gain at least $0.20 worth of additional utility from reading The Economist to justify the additional cost of $2.

However, it's important to note that marginal utility can vary from person to person and may not be easily quantifiable in monetary terms.

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The three advantages of short term promotion is increased sales, loyalty, and brand awareness. The three disadvantages of short term promotion are reduced brand image and profits as well as customer expectation.

Short-term promotions refer to activities are those that produce a temporary boost in business and traffic. These include price discount, trade shows, limited-time freebies, first purchase coupon, ete.

Advantages of short-term promotions are:

Disadvantages of short-term promotions are:

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Four examples of temporary marketable security investments utilized by firms to invest idle cash are as follows: U.S. Treasury bills; Certificates of deposit; Eurodollar deposits; Commercial paper.

All the four examples of temporary marketable security investments utilized by firms to invest idle cash are discussed below:

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