FICO Score is the most commonly used credit scoring system intended to help lenders for personal finance.
The Fair Isaac Corporation developed a credit score called a FICO score (FICO). Borrowers' FICO scores and other information from their credit reports are used by lenders to evaluate their credit risk and decide whether or not to grant credit.
When calculating credit worthiness, FICO scores use information from five categories: payment history, current debt load, credit kinds used, length of credit history, and new credit accounts.
Between 300 and 850 is the full FICO score range. A "good" credit history is often indicated by scores in the 670 to 739 area, and most lenders will view these scores favourably. In comparison, it could be challenging for consumers with credit scores in the range of 580 to 669 to acquire financing at competitive rates.
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Operating leverage is a measure of how sensitive ______ is to a given percentage change in sales dollars.
Answer: net operating income
Explanation:
at its core, marketing is based on people or organizations engaging in exchanges with others people or organizations.
At its core, marketing is based on people or organizations engaging in exchanges with others people or organizations, is a correct statement.
What is marketing in business?Marketing is the core and main activity in the business, it is an essential part of the process to make the profit and be in the business in the long run. It is accountable for the entire process of making the product.
Marketing is the process of creating, communicating, delivering, and exchanging products and services that are beneficial to customers, clients, partners, and society as a whole.
Thus, it is a correct statement.
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identify the form of capital market efficiency under the efficient market hypothesis described in the following statement:
The correct answer is:
SEMI-STRONG FORM EFFICIENCY- Semi strong form of market will advocate that all the publicly available information have been discounted into the stock prices but privately available information are yet to be discounted. Weak form of market does not talk about any kind of public and private information.
It is the semi strong form of market in which only publicly available information are discounted in the market.
THE STOCK PRICE WILL INCREASE AND SETTLE AT NEW EQUILIBRIUM LEVEL- Private informations are not discount into the market prices so there will be a scope of making abnormal return in semi strong form of market. insiders news are not discounted in prices and when the insider news will become public Information, it will be resulting into stock price setting at new levels.
FUNDAMENTAL ANALYSIS- Fundamental analysis will be related to an analysis which is based on understanding of books of accounts of the company. fundamental analysis will help an individual investor to find out the intrinsic value and compare it with the market price and invest according to the price discrepancy.
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When calculating the balance of the sales revenue account, you find that the balance is lower than expected. However, according to your balance sheet and your analysis of the accounting equation, all of your debits and credits are equal across accounts. What is the most likely explanation for this?.
The balance in the sales revenue is lower than expected is due to may be you forgot to record the journal of sales transaction.
Journal is the first step to record the transaction . under this accounts are debited and credited which is based upon the transaction. After recording of journal it is posted in the ledger account which effects all the financial performance.
As journal entry is not recorder there will be no impact in the balance sheet which results in the equalization of all debits and credit.
For recording of the journal sales account is credited where cash or debtors account is debited. So if it is forgot to record then it will not impact any of the account.
This may be concluded as error to forgot to record the transaction. To avoid this invoice of each sale should be matched with the journals . Proper audit of accounts should be done on timely basis.
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operations and sales are the two functional areas that exist to support activities in other functions such as accounting, finance, it, and human resources.
Operations and sales are the two line functions in a business organization. All other functions including accounting, finance, IT, and human resources exist to support these two line functions. Sales operations emphasis on sales department efficiency rather than revenue growth and integration of sales, marketing, and service divisions.
Many distinct tasks exist within sales divisions to generate sales and improve customer experience, such as revenue operations and sales operations. Strategy, data analysis, hiring and training, forecasting, territory design, and sales process optimization are some of the tasks and functions that ales operations teams perform. Sales operations assist sales teams in operating more efficiently.
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Marketers select the ____ target market approach when they group two or more submarkets into a larger target market and apply one marketing strategy. multiple choice question.
Marketers select the segmentation target marketplace technique once they organization or more submarkets into a larger target marketplace and practice one marketing approach.
A marketer is a person who promotes a company's products and services. They parent out the strategies that can boost sales and revenue at the same time as ensuring those strategies are aligned with the needs of the customers in addition to the marketplace demand.
Marketers are preoccupied with changing their products or services into cash, whilst entrepreneurs are enjoyable the desires of their customers. therefore, what entrepreneurs offer purchasers aren't determined by way of themselves, but by the consumers. remember that your product wishes to be an effect of the marketing attempt.
Marketing jobs are determined in advertising and marketing companies, media agencies, marketing departments in commercial enterprise corporations, nonprofit corporations, and advertising and marketing research corporations. The four predominant career paths in marketing are account control, creative, media, and studies.
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Movie stars such as salma hayeck, samuel l. Jackson, dwayne johnson, and jennifer lawrence are paid millions of dollars per movie, which can take as much as 6 months of full-time work for an actor. By contrast, doctors and nurses earn considerably less over the same time period. Why might this be?.
False, this does not illustrates diamond-water paradox.
By stating that the marginal good thing about services provided by doctors and nurses is significantly below the marginal good thing about services provided by major film stars, the diamond-water contradiction in terms is illustrated. this implies that whereas there's a larger demand than there area unit for major film stars, there's a larger offer of doctors and nurses. The utility that major motion-picture show stars offer to movie-goers is bigger than the utility that patients receive from doctors and nurses. this can be thanks to the actual fact that folks World Health Organization use the services of well-known actors and actresses area unit a lot of willing to pay money for them than those that use the services of physicians and nurses. although an individual's health is a lot of necessary to their quality of life than movies, customers price movies a lot of for his or her utility than their health, particularly once they need achieved a basic level of sound health. This truly explains the "diamond water contradiction in terms," during which customers area unit willing to pay a lot of for valuable diamonds than they're for the water that sustains life. In plain English, folks area unit a lot of willing to price the satisfaction they get from looking motion-picture show than they're from receiving more medical attention. that means that folks solely offer basic care desires an inspiration. However, they'll bet a lot of to urge a lot of diamonds.
Note that the full question is:
Movie stars such as Salma Hayeck, Samuel L. Jackson, Dwayne Johnson, and Jennifer Lawrence are paid millions of dollars per movie, which can take as much as 6 months of full-time work for an actor. By contrast, doctors and nurses earn considerably less over the same time period. Why might this be? While the supply of (major film stars OR doctors and nurses) is small and relatively fixed in the short run, the demand for (the average doctor or nurse OR movies featuring these film stars) is quite large globally. By contrast, the marginal benefit of the services provided by (major film stars OR doctors and nurses) is relatively low, although the total benefit is quite high. This illustrates the diamond-water paradox. True or False
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bergo bay's accounting system generated the following account balances on december 31 prepare a revised list of account balances as of december 31
An accounting system is a fixed of accounting tactics with integrated approaches and controls. The purpose of an accounting gadget is to record enterprise transactions, summarize those transactions into an aggregated form, and create reports that may be utilized by decision-makers to screen, analyze, and improve operations.
BERGAMO BAY corporation
listing of Account Balances
December 31
Debit
credit score
cash
$80,000
accounts receivable
$forty nine,000
raw substances stock
($29,500 - $4,300 - $7,seven-hundred - $2,000)
$15,500
work in technique inventory (be aware)
$fifty two,000
finished goods stock
$6,000
prepaid lease
$2,000
debts payable
$nine,900
manufacturing facility wages payable
($5,000 + $15,000 + $5,000)
$25,000
Notes payable
$12,900
common inventory
$20,000
Retained income
$eighty four,000
income
$223,seven hundred
cost of products bought (be aware 2)
$113,000+$thirteen,000
$126,000
fashionable and administrative charges
$45,000
Total $375,500
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A single taxpayer, operates a business that produces of income before any amounts are paid to her. she has no dependents and no other income. she has itemized deductions of:________
She has itemized deductions of Taxable income. An itemized deduction is a cost that can be deducted from your adjusted gross income (AGI) to lower your taxable income and, as a result, the amount of taxes you owe. Such deductions allow taxpayers who qualify to pay less tax than if they had taken the standard deduction.
Which is a fixed cash amount that fluctuates depending on filing status. Mortgage interest, charity gifts, and unreimbursed medical expenses are all allowable itemized deductions that may be subject to limits. An itemized deduction is a tax deduction that can be deducted from your adjusted gross income (AGI) to lower your taxable burden.
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Discuss possible ways to influence and motivate employees within an organization in regard to information security.
Despite having a wide range of security measures at their disposal, computer users frequently engage in activities that pose security and privacy hazards, both at home and at work. Avoiding authoritative, icy directives in favor of sympathetic security communications that offer options for how employees can better protect information and respond to dangers can help information security managers and supervisors motivate staff to act more securely. Information systems administrators should steer clear of messaging that is overly directive and instead concentrate on various approaches to information security and threat response.
In order to maintain integrity, confidentiality, and availability, information and information systems must be protected from unauthorized access, use, disclosure, interruption, alteration, threat, and destruction.
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which ratio measures the number of dollars of operating earnings available to meet each dollar of interest obligations on the firm's debt?
Fixed charge coverage ratio measures the number of dollars of operating earnings available to meet each dollar of interest obligations on the firm's debt.
What is fixed coverage ratio?Fixed charge coverage ratio or FCCR measures the firms ability to understand the fixed charges that includes interest expenses, equipment lease expenses and debt payments. It shows the performance of a company in its earnings and the ability to cover the fixed expenses.Banks look at the Fixed charge coverage ratio to evaluate whether to lend money for business.Rents, debt payments and utilities are also covered in the fixed charges under FCCR.In nutshell Fixed charge coverage ratio helps to assess the company's overall credit worthiness.To learn more about Fixed charge coverage ratio, refer
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When a revenue or an expense event is recognized after cash has been exchanged it is referred to as:______.
When a revenue or an expense event is recognized after cash has been exchanged it is referred to as Deferral.
Deferral definition. the act of postponing to a time in the future. synonyms: postpone, postpone. Types: deferred. the act of delaying to another time or place.
Deferral is an amount paid or received before a product or service is delivered. Here are some examples of delays: Premiums. Subscription services (newspapers, magazines, TV shows, etc.) This mortgage reduction option moves past due amounts from missed payments to the end of your loan term so you can keep it. make monthly payments while bringing your loan back to its current state.
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Managing the supply chain has become more important as a result of firms increasing their levels of.
Managing the supply chain has become more important as a result of firms increasing their levels of production.
Production is the process where the supply chain is the most important due to which different outcomes come and the profit can be determined. This also determines the managers and the labors work efficiency and the result of the work done.
It helps in increasing the level of work efficiency and production levels so that maximum out of the best done is achieved in a firm. Hence, supply chain is important.
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analysis, formulation, and implementation are the pillars of research and knowledge about strategic management. this activity is important because a successful strategy results when managers perform these actions interdependently. for example, effective managers do not formulate strategy without thinking about how to implement it. likewise, while implementing strategy, they are simultaneously analyzing the need to adjust to changing circumstances.
Analysis How does the firm make money?
( It forms part of Strategy analysis which looks at the competitive advantage and business models)
How to illustrate the information?Analysis- What is the firm's process for creating strategy and how does strategy come about?
( It forms part of strategic leadership and strategy process)
Analysis How should the firm leverage its internal resources, capabilities, and core competencies for competitive advantage?
( This form part of the strategic analysis, as it carries out internal analysis by evaluating internal resources, capabilities, and core competencies)
Formulation: How should the firm compete in the cost leadership, differentiation or value innovation?
( This form parts of Strategy formulation as it helps in the analysis of the business strategy and deciding which strategy to pursue )
Formulation- Should the firm compete in the industry, markets or geography?
(This form parts of formulation as it helps in the analysis of the corporate strategy)
Formulation -Should the firm compete locally ,regionally, nationally or internationally ?
( This forms part of firm’s International strategy for geographical operations )
Implementation How does the firm anchor strategic decisions in business ethics?
(this forms part of the implementation strategy in which it indicates how the strategy is put into action by ensuring a business ethics code in the overall structure )
Implementation-What type of corporate governance is effective?
( Along with business ethics, corporate governance it forms part of the Strategic implementation)
Implementation: How should the firm organize to turn the formulated strategy into action?
( This forms part of Strategic implementation, as it captures the organizational design).
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which analytics 360 feature allows you to create a new data set with a broad view of your business across products, brands, or regions by combining data from multiple source properties?
Roll-up properties provide a broad view of your business across products, brands, or regions by combining data from multiple source properties into a single roll-up property.
By merging information from many source properties into a single roll-up property, you may give a comprehensive overview of your business across products, brands, or geographical areas.Roll-up properties: what are they?Data from both online and mobile app properties, as well as those whose data is uploaded using the Measurement Protocol, can be included in Roll-Up Properties. Data imported into Source Properties and data linked to Source Properties are not included in Roll-Up PropertiesTo Learn more about Roll-Up Properties. Click the Links.
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The deeds of some people are extraordinary, but not so extraordinary that other employees cannot perform the same deeds. these people are referred to as?
The deeds of some people are extraordinary, but not so extraordinary that other employees cannot perform the same deeds. these people are referred to as managers.
The maximum easy not unusual regulation definition of an employee is someone you rent and pay everyday wages to perform a specific task, with the business enterprise controlling how the to portray is done. For personnel, a commercial enterprise organization has to withhold earnings taxes and pay Social security, Medicare taxes, and unemployment taxes on any wages paid.
Employee motive is the sensation that means personnel has withinside the again in their artwork and the manner their values align with a business organization. it's miles all approximately permitting and inspiring personnel to hold cause to their expert surroundings and running life.
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keisha invested her savings in two investment funds. the that she invested in fund a returned a profit. the amount that she invested in fund b returned a profit. how much did she invest in fund b, if both funds together returned a profit?
If keisha invested $10,000 in fund A and it returned a profit of 10%, then she would have earned $100 back. Similarly, if fund B had also returned 10% ($1,000), then she would have made an additional $110 from her 10 in Fund B alone. So together, the two funds would have generated a total return of 20%.
what do you mean by investment funds?An investment fund is a collection of money that has been pooled together to invest in different types of assets. These can include stocks, bonds, commodities, and real estate. The aim of an investment fund is to provide stability and moderate growth by investing the money collectively. This allows for the funds to be managed more efficiently than if they were invested individually, leading to greater returns over time.
Since there are many different kinds of investments available, it can be hard to decide which one may be best for you. That's why it's important to speak with a financial advisor who will help you choose the right funds based on your needs and objectives.
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with its designs, modern shed seeks to use limited space efficiently and effectively. into which of the following parts of an open system does this mission fall?
With its designs, the modern shed seeks to use limited space efficiently and effectively. This mission falls into the task part of an open system
This is further explained below.
What is an open system?Generally, The contemporary storage shed makes the most of the space it has available by using its designs in an effective and efficient manner. This is included in the duties section of an open system.
In conclusion, The contemporary shed makes the most of the area it has available by using designs that maximize efficiency and effectiveness. This work is a component of an open system and thus comes within its purview.
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Uber joined forces with toyota, with the japanese automaker agreeing to invest in uber and to explore how the two companies might do ridesharing collaboration. Which method of international expansion does this specific relationship represent?.
The method of Joint venture is the method that the international expansion of these businesses represent.
What is meant by a joint venture?The term joint venture can be defined as the coming together of two separate entities in order to develop or go into a particular business. It is the ability to seek for the development of a particular enterprise by two entities.
These two would have to share the risks and the profits of the business. Hence we would say that The method of Joint venture is the method that the international expansion of these businesses represent.
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tim's taxi service sold one of its cabs for $5,000. the cab had an original cost of $23,000 with $16,000 in accumulated depreciation. what is the recognized gain or loss and character of the gain or loss on this sale assuming this is the only asset sold during the year?
Tim's taxi service sold one of its cabs for $5,000.The taxi cost $23,000 initially, but has already depreciated by $16,000.
$2,000 loss
$23,000 original cost
-$16,000 accumulated depreciation
= $7,000 adjusted basis
$5,000 sales price
-$7,000 adjusted basis
= -$2,000
Depreciation is an accounting term for the process of spreading out an asset's cost over the course of its useful life. How much of an asset's value has been used is shown by the amount of depreciation. Businesses are given the opportunity to profit from the assets they possess by buying them over a predetermined period of time.
Businesses do not have to fully account for them in the year that assets are purchased, which results in a significantly reduced initial cost of ownership. If depreciation is ignored, the profitability of a corporation could suffer dramatically. Businesses may also depreciate long-term assets for accounting and tax reasons.
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Well-established scientific ideas may be abandoned for new explanations due to new technologies and data. these paradigm shifts often ______.
Well-established scientific ideas may be abandoned for new explanations due to new technologies and data. These paradigm shifts often neither the general public nor scientists readily accept them.
Describe some well-established scientific ideasPerhaps the most effective theory ever developed is quantum mechanics. It has been put through rigorous testing for about 90 years, and none of them have brought its tenets into question. One of science's victories in the 20th century is this. A theory in science is a well-supported explanation of a particular phenomenon in the natural world that is based on a body of facts that has been consistently verified via observation and experiment. Such ideas are not "guesses," but rather trustworthy descriptions of reality. The appearance of an X-Ray imprint of a DNA molecule, which led to the understanding of the structure of DNA.
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marketing benefits the organization, its stakeholders, and society at large by offerings that have value for customers? (check all that apply)
marketing benefits the organization, its stakeholders, and society at large by offerings that have value for customers are communicating, delivering and creating.
A party with an interest in a business and who may have an impact on or be affected by it is referred to as a stakeholder. Investors, employees, clients, and suppliers make up a typical corporation's main constituencies. The idea has now been expanded to encompass communities, governments, and trade groups due to the growing focus on corporate social responsibility. Internal and external stakeholders are both possible for a company. Individuals with an interest in a firm who have a direct connection, such as employment, ownership, or investment, are referred to as internal stakeholders. Those who do not directly work for a company but are nonetheless impacted by its decisions and results are known as external stakeholders. External stakeholders include vendors, borrowers, and civic organisations.
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Which type of value takes into consideration an individual's equity and income tax implications?
The worth of a property as an investment is the amount an investor would pay to buy it. It refers to the exact value of an asset as defined by a set of standards. It represents an individual's assessment of the asset's fair market value.
What is investor ?An investor is a person who invests money in a particular account, business initiative, or other opportunity with the hope of making money from it. The two main categories of investors are institutional and retail, and they frequently come from a variety of professional backgrounds.
You are a loan investor, not an owner. If you buy stock in a company, you have invested in ownership. The return you receive will be less your proportionate share of the business' profits. The initial investment amount and the enterprise value as a whole will remain connected.
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Suppose+you+inherited+$715,000+and+invested+it+at+8.25%+per+year.+how+much+could+you+withdraw+at+the+end+of+each+of+the+next+20+years?
The amount of $74,184.38 can be withdrawn at the end of each of the next 20 years.
NPER 20
PV 715000
RATE 8.25 %
$ 74,184.38
WITHDRAWL = PMT PMT ( 8.25 % , 20 , -715000 )
A withdrawal includes disposing of price range from a financial institution account, financial savings plan, pension, or trust. In a few cases, situations need to be met to withdraw the price range without penalty, and a penalty for early withdrawal commonly arises while a clause in a funding settlement is broken.
A debit card permits you to withdraw cash from their Automated Teller Machines (ATM) any time of the night time or day, in the course of the year. As a result, you may keep away from creating an experience to a financial institution department at some stage in banking hours. To withdraw cash from an ATM, you simply want to insert your debit card and sort in a completely unique password.
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Disclaimer: The question is incomplete. Please read below to find the missing content.
Suppose you inherited $715,000 and invested it at 8.25% per year. How much could you withdraw at the end of each of the next 20 years?
Suppose a country is abundant in capital and the relative price of the good that intensely uses capital for its production increases. the stolper-samuelson theorem predicts that it will?
Suppose a country is abundant in capital and the relative price of the good that intensely uses capital for its production increases. The Stolper-Samuelson theorem predicts that it will: see wage decreases for labor, because of the higher demand for the good that uses capital intensively.
The Stolper-Samuelson theorem states that there are winners and losers from the liberalization of international trade. Losses, in keeping with the framework, are in the form of lower wages for employees hired in import-competing sectors.
The Stolper–Samuelson theorem is intently related to the issue price equalization theorem, which states that, regardless of global element mobility, component costs will generally tend to equalize throughout countries that do not fluctuate in technology.
A country this is capital abundant country is capital abundant relative to every other us and if it has a better capital endowment according to exertions endowment than the opposite country is one this is properly endowed with capital relative to the opposite country.
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you invest $1,000 in a stock that has a 15% chance of a 1% return, a 60% chance of a 5% return and a 25% chance of a 7% return.
[DISCLAIMER :- The complete question is mention below :
The question asked is incomplete. This question below is the complete question and has been answered accordingly.
"You invest $1,000 in a stock that has a 15% chance of a 1% return, a 60% chance of a 5% return and a 25% chance of a 7% return. What will be expected return?"]
The expected come back are 4.90%.
Let us initial perceive what's expected return?The expected come back is that the quantity of profit or loss associate capitalist will associate receiving on an investment.To find expected come back we have a tendency to multiply the potential outcomes by the chances so rundown all the result.Expected come back will be expressed as = (p1r1) + (p2r2) + ………… + (pn rn)
Where
p= likelihood of every come back in an exceedingly state of affairs
r= Rate of come back with totally different likelihood in an exceedingly given state of affairs
n= state of affairs variety
So, expected return= (1 X zero.15 ) + (5 X zero.60) +(7 X zero.25)
=0.15 + 3 + 1.75
=4.90%
Hence, the expected come back when one year are 4.90%.
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How+much+should+you+pay+for+a+$1,000+bond+with+10%+coupon,+annual+payments,+and+5+years+to+maturity+if+the+interest+rate+is+12%?
We should pay for a $1,000 bond with a 10% coupon, annual payments, and 5 years to maturity if the interest rate is 12% $927.90.
The annual interest rate is the term used for all bills which can be made annually. payments are made yearly due to the nature of the monetary cycle. a few payments are made as soon as a year. Annual payments might also encompass income an emolument that is paid once a year.
Par value = $1,000
Coupon payments = 10% of 1,000 = $100
Number of years (n) = 5 years
Interest rate (r) = 12%
Bond price = Coupan payment × [tex]\frac{9 1 - ( 1 + 0.12)^{-5} }{0.12}[/tex] + [tex]\frac{1,000}{( 1 + 0.12)^{5} }[/tex]
= 360.4776 + 567.4269
= $927.90
Disclaimer:- your question is incomplete, please see below for the complete question.
Q. How much should you pay for a $1,000 bond with 10% coupon, annual payments, and 5 years to maturity if the interest rate is 12%?
A) $981.40
B) $1,075.82
C) $1,000.00
D) $927.90
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in the nonstrategic view of bargaining a. the second-mover usually gains more b. the outcome depends on which mover can commit to a strategy c. the first-mover usually gains more
The gains are usually split evenly.In a non-strategic view, the gains are generally distributed equally among the partie
Strategic planning is the process through which an organisation 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, firms started to prioritise strategic planning, which is still a crucial component of strategic management today. It is carried out by strategic planners or strategists who conduct extensive study and analyse the company and how it interacts with its competitive environment. Although there are numerous definitions of strategy, creating strategic goals is typically included.
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The amount of a chemical that is administered at one time is always the threshold dose. true/ false
The amount of a chemical that is administered at one time is always the threshold dose. True.
A chemical is any substance that has a described composition. In other words, a chemical is usually made up of the same "stuff." Some chemical compounds occur in nature, along with water. different chemical substances are synthetic, including chlorine (used for bleaching fabric or in swimming pools).
Examples of chemical compounds encompass the chemical elements, such as zinc, helium, and oxygen; compounds made from factors such as water, carbon dioxide, and salt; and more complex substances like your pc, air, rain, a hen, an automobile, etc.
Two or extra elements combined into one substance through a chemical reaction form a chemical compound. All compounds are substances, however, now not all substances are compounds. A chemical compound may be an atom bonded together in molecules or crystals in which atoms, molecules, or ions shape a crystalline lattice.
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small amount of money in an interest-earning account for three years, doesn’t plan on withdrawing the funds, and wants them to stay in the account until the end of the third year.
As the requirement is to hold the fund for 3 years, he/she shall choose the negotiable CD as the interest rate will be higher and cannot be redeemed before the maturity period.
What is a Certificate of Deposit?A certificate of deposit (CD) is a savings instrument that yields interest on a one-time payment for a predetermined amount of time. In contrast to savings accounts, CDs require that the money remain untouched for the duration of the term in order to avoid penalty fees and lost interest. In order to compensate for lost liquidity, CDs often pay greater interest rates than savings accounts.
A majority of consumer financial institutions provide certificates of deposit (CDs), but it is up to each bank to decide what terms it wishes to give, how much higher the rate will be than the bank's savings and money market products, and what penalties it will impose for early withdrawal.
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