A mortgage with low initial payments that increase over time without ever leveling off is a graduated payment mortgage.
A fixed-rate mortgage with graduated payments (GPM) has payments that rise gradually from a lower initial base level to a higher ultimate level. Up until the entire monthly payment sum is attained, the payments typically increase from their initial base payment amount by 7% to 12% annually.
A mortgage with progressive payments is intended to have the homeowner make only the minimum payments at first. Then, the payment sum rises gradually. The buyer is eligible if they have a low initial interest rate. Many people who might not otherwise be qualified for a home mortgage are now because they can afford the low beginning payments, thanks to the lower rate.
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cora purchased a hotel building on may 17, 2017, for $3,000,000. determine the cost recovery deduction for 2018. (the second year)
The cost recovery deduction for 2018 is $76920
Depreciation represents a reduction in the cost of an asset on a periodic basis and is reported on an income statement though it is a non-cash expense. The expense is a tax-deductible expense and companies can claim bonus depreciation as an additional depreciation expense if they need it. For the purpose of income tax, a company is required to use the MACRS depreciation method.
A hotel building is considered a nonresidential property with a period of 39 years and the depreciation rate that should be used is 2.564%
Cost recovery deduction = Cost of the asset * Depreciation rate
Cost recovery deduction = $3,000,000 * 2.564%
Cost recovery deduction = $76,920
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after the owner of the crystal shop tells the boy how expensive it is to get to egypt, what does the boy say he wants money for?
The correct answer is 'a new flock of sheep.' This instance is from The Alchemist.
The crystal dealer is someone who, like the baker, has forgotten their Personal Legend and has found themselves in a suitable but unsatisfying circumstance. Because he fears change, he hasn't adjusted to Tangier being a less bustling port city.
The crystal dealer's faith in omens is his most admirable quality. He decides to stop and watch Santiago from the moment he first sees him, despite the fact that Santiago is obviously in need of money. Despite the fact that his business is already struggling, the crystal merchant continues to offer Santiago a position because he views the guests that appeared while Santiago was cleaning as omens.
Characters that believe in omens appear intelligent and successful throughout The Alchemist. These individuals acknowledge the connection between Personal Legends and The Soul of the World, in contrast to characters who are purely materialistic.
Santiago's encounter with the candy vendor and the other shopkeepers, who converse in a "global language" despite the fact that the languages they speak are different, further demonstrates this interconnectivity.
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A _________ is a legal agreement between two or more people and is the least common form of business.
Answer: Partnership
Explanation:
A Partnership is a legal agreement between two or more people and is the least common form of business.
In a general partnership company, all members share both profits and liabilities.
Professionals like doctors and lawyers often form a limited liability partnership.
There may be tax benefits to a partnership compared to a corporation.
in the following scenarios, indicate those that describe a poisson random variable. multiple select question. the number of customers in a sample of 20 who use a credit card to make a purchase at a local pharmacy. the number of customers who purchase concessions over the next hour at a movie theater. the number of mortgage applicants who receive a loan in a sample of 10 applicants. the number of leaks in a specified stretch of a pipeline.
A Poisson random variable is described as the number of leaks in a specified stretch of a pipeline and the number of customers who purchase concessions over the next hour at a movie theater.
A random variable is a changeable whose value is mysterious or a function that assigns principles for each of an experiment's effects. the Poisson distribution is an individual probability distribution that signifies the feasibility of a likely number of occurrences happening in an established interval momentary or room if these occurrences accompany a popular nonstop mean rate and are independent of the moment of truth because of the last occurrence.
Poisson random variables are frequently used to model sketches used to generate cost functions in growth questions. For example, the financial portion arranging problem aims to develop the result of the number of merchandise on the number of machines likely a certain demand.
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The total amount paid on a 35 year loan was $98,000. If the interest rate was 4. 1% and compounded monthly, what was the principal? round your answer to the nearest dollar.
The initial loan balance was $23,393.45 .The amount of the initial loan, or principal, is multiplied by one plus the annual interest rate raised to the number of compound periods minus one to determine compound interest.
What is the formula for compound interest?The amount of the initial loan, or principal, is multiplied by one plus the annual interest rate raised to the number of compound periods minus one to determine compound interest. You will then be left with the loan balance plus compound interest.
Detailed explanation:
$98,000 in total payments were made on a loan with a 35-year term and a 4.1% interest rate.
Using this formula, we will determine the principal amount.
where A = quantity (98,000)
P is the principal sum (P)
r = 4.1% interest rate (0.041)
N is the number of monthly compounding interests (12)
t = time (35 years)
98,000 = P(4.189386) (4.189386)
= 4.189386P = 98,000
P = 23,392.4494 ≈ $23,392.45
The initial loan balance was $23,393.45.
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a milling machine with enhanced cnc controls that allow for high-speed machining of free-form parts was purchased 2 years ago for $195,000. the company wants to purchase a recently available faster model with control up to 8 axes for $240,000. the presently owned machine can be sold today for $105,000. its operating cost over the past 2 years has been $30,000 per year. the value that should be used as p for the presently owned machine is: (choose one)
The value that should be used as principal for presently owned machine is $105,000.
What is principal?Principal is most often used to refer to the initial amount of money that was borrowed for a loan or invested. Additionally, it can refer to the owner of a private corporation, the face value of a bond, or the principal trader. Principal in the context of borrowing refers to the initial sum of a loan; it can also refer to the balance still owed on a loan. The principal is $50,000, for instance, if you take out a $50,000 mortgage. The principal of a loan affects the amount of interest you pay. The only method to lower the monthly interest payments is to pay down the loan's principal.
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Employers can try to overcome the moral-hazard problem involving their employees by.
Answer:
encourage the risk taking party to act more responsible by offering them incentives or make a punishable offense
Explanation:
it works in modt cases or just fireing them might just do the trick
a situation in which consumer response is sensitive to changes in price exhibits demand.
Sensitivity of the consumer base to price changes.
The price elasticity of demand measures how consumers' demands for a product fluctuate in response to price changes. It is calculated using the formula below:
Price Elasticity of Demand = %change in quantity demanded/%change in price
A good is deemed elastic if the quantity requested for it changes proportionally more than the price does. Salt is an elastic good, for instance, if the price increases by 15% but the demand decreases by 20%.
A good is categorized as inelastic if the quantity desired for it changes proportionally less than the change in price. Gasoline, for instance, is an inelastic good if its price increases by 30% but its demand decreases by only 10% (as is frequently the case in reality).
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what is a projective funding strategy used by pension funds? investment solely in a benchmark bond index constructing a portfolio that can benefit from expected market and interest rate movements investment solely in a benchmark stock index incorrect investment decisions made with the objective of generating cash flows that match planned outflow payments
Investment decisions made with the objective of generating cash flows that match planned outflow payments.
Moreover, A matched funding method that suggests investing in long-term bonds to fund long-term liabilities and in intermediate bonds to fund intermediate liabilities is more suited for defined-benefit plans.
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during a down market in boston, homeowners tried to sell at prices based on what they originally paid. as a result, the boston real estate market:
During a down market in Boston, homeowners tried to sell at prices based on what they originally paid. as a result, the Boston real estate market had an excess supply of housing. Thus the correct option is A.
What is Supply?Supply refers to making available goods and services to the customer. When these demands do not get fulfilled it causes scarcity of goods in the market and when this supply is in excess it causes surplus.
Boston residents tried to sell their homes at prices based on what they had paid initially during a weak market. Due to low-price selling, the Boston real estate market had an excess supply of housing.
Therefore, option A is appropriate.
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The complete question is Probably
During a down market in Boston, homeowners tried to sell at prices based on what they originally paid. As a result, the Boston real estate market:
had an excess supply of housing.
had a housing shortage.
was characterized by prices below equilibrium.
set a record for the number of housing sales in a month.
a transaction processing system helps people work together by interacting and sharing information in many different forms. true false
A transaction processing system (TBS) is a piece of software that both guarantees the success of business transactions and maintains track of them.
Online retailers utilize an equivalent technology called an online transaction processing system (OTPS) for e-commerce.
The TPS uses a database to store, send, and receive information to guarantee the success of every transaction. It is an addition to the business point of sale system (POS), which is the device that processes cash transactions, generates receipts, and reads credit cards.
A customer might use a credit card, for instance, to buy a book from a store. The customer's card information is taken by a TPS, which then contacts their bank to determine whether to authorize or reject the transaction based on their account balance.
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how should the acquisition of mpis be financed, considering the issues of control, flexibility, income, and risk?
Debt financing will be used to finance the purchase of MPIs while taking control, flexibility, income, and risk into account.
What exactly is debt financing?It is referred to as debt financing when a business takes out a loan that will be repaid with interest at a later time. A secured or unsecured loan could be used to finance it. To finance working capital or an acquisition, a company will take out a loan. Finance refers to the provision of funds for use in business operations, while debt refers to the amount of money that must be repaid. The fact that you retain ownership of the business when using debt financing is a crucial aspect.
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True or false: charitable donations you make may reduce the amount of taxes you have to pay.
Charitable donations you make may reduce the amount of taxes you have to pay is True.
What are examples of donations?A contribution is a gift given to a cause, humanitarian organization, or charity. A donation can come in many different ways, such as cash, alms, services, or tangible objects like furniture, toys, food, or automobiles. A donation could meet a demand for transplantable organs or blood.
What does making donations accomplish?96% of respondents said they believed it was their moral obligation to use what they had to help others, a belief that was deeply ingrained in their own personal values and principles, regardless of the type of charity work they supported.
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gina owns a cidery. she gathered and examined the checks, credit card receipts, and other related evidence concerning specific transactions. she also recorded each financial transaction in a journal and transferred that information into a ledger. what should gina do before preparing the cidery's financial statements?
She must prepare a trial balance to see if the accounting equation is in balance as Gina do before preparing the cidery's financial statements. Thus, option (2) is correct.
What is financial?The term financing refers to borrowing money to go through tough times, saving money, and investing money. Finance is the provision of funds for credit against anything. Types of finance are personal, public, and business finance is the three different categories.
Gina, do before preparing the cidery's financial statements are unadjusted before trial balance as the adjustment of the record in the accounts. The trial balance as the entry in the double-entry account book, as the indicating the errors of the accounting.
Therefore, option (2) is correct.
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Your question is incomplete, but most probably the full question was.
1. She must have her journal certified by an accountant.2. She must prepare a trial balance to see if the accounting equation is in balance.3. She must hire an accountant to recheck all her source documents.4. She must attest that she used generally accepted accounting principles.5. She must repeat these steps with a new ledger.The more expensive a product is, the shorter its distribution channel should be?.
True, Expensive products need a short distribution channel for their safe delivery from producer to consumer.
A distribution channel is a process of distributing producer goods and services to the final consumers. It can include multiple stages either intensively (using a lot of intermediaries) or exclusively (directly to the consumer). Product characteristics are one of the factors of the distribution channel.
Complex and expensive products are generally fragile and handled carefully in nature which requires less number of intermediaries or the middle in order to distribute that product to the final consumer leading to a short distribution channel. The more expensive a product, the shorter should be its distribution channel as adding more intermediaries could lead to great damage to the product.
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22. what does scripture clarify as a requirement of true repentance, reconciliation, and restitution? conflict management
Scripture clarify radical and complete 'change of direction" and "change of mind." This means facing conflict directly and owning fault completely.
The Bible is a collection of spiritual texts or scriptures that are held to be sacred in Christianity, Judaism, Samaritanism, and plenty of other religions. The Bible is an anthology – a compilation of texts of a ramification of bureaucracy – initially written in Hebrew, Aramaic, and Koine Greek.
We will say that the Scripture is God's phrase contained in the Bible. The Scriptures are taken into consideration to be a made of divine concept and a report of the relationship between God and human beings by using not most effective Christians however additionally Jews, Samaritans, and Rastafarians
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which of the following would, generally, indicate an improvement in a company's financial position, holding other things constant? group of answer choices the dso increases. the current and quick ratios both declines. the tie declines. the total assets turnover decreases. the ebitda coverage ratio increases.
The EBITDA coverage ratio increases would generally indicate an improvement in a company's financial position, holding other things constant.
The EBITDA-to-interest coverage ratio is a financial metric that is used to determine whether a firm is at least financially stable enough to cover its interest costs out of pre-tax revenues. The amount of profits before interest, taxes, depreciation, and amortisation (EBITDA) that can be used for this purpose is specifically examined.EBITDA coverage is another name for the EBITDA-to-interest coverage ratio. The interest coverage ratio employs earnings before income and taxes (EBIT) rather than the more inclusive EBITDA, which is the fundamental distinction between EBITDA coverage and the latter.To determine how easily a company can pay the interest on its outstanding debt, analysts use the EBITDA-to-interest coverage ratio, or EBITDA coverage.
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why would belinda, owner of gc micro, a $70 million company that manufactures customized it equipment and software for fortune 1000 companies and defense contractors, decide to invest in a total quality management (tqm) program? a. because a tqm program deals exclusively with procedures to achieve defect-free manufacturing and assembly. b. because a tqm program nearly always contributes more to the achievement of operating excellence than either business process reengineering or six sigma quality control techniques. c. because a tqm program entails creating a corporate culture bent on continuously improving the performance of every task and every value chain activity. d. because tqm programs are considerably more effective in improving manufacturing and assembly activities than they are in improving such value chain activities as r
Belinda would likely decide to invest in a total quality management (TQM) program because because a TQM program deals exclusively with procedures to achieve defect-free manufacturing and assembly.
What role does total quality management plays?In an organization, the total quality management is responsible for the continual process of detecting, reducing or eliminating errors in the manufacturing and supply chain management; its also aims at improving the customer experience and ensuring that employees are up to speed with training. Generally, the total quality management aims to hold all parties involved in the production process accountable for the overall quality of the final product or service.
The focus of the total quality management is to improve the quality of an organization's outputs through the continual improvement of internal practices. In conclusion, the program of TQM provide a long-term success by providing unparalleled customer satisfaction through the constant delivery of quality IT services. Therefore, the Option A is correct.
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the common stock of climate systems is selling for $28.97 per share while one-year u.s. treasury securities are currently yielding 2.8 percent. what is the current value per share of a one-year call option on climate systems stock if the exercise price is $22.50 and you assume the option will finish in the money?
The current value per share of a one-year call option on Mercury Motors stock if the exercise price is $22.50 and you assume the option will finish in the money is $7.08.
The value is computed as follows:
= Selling price per share - Exercise price / (1 + US treasury rate)
= $ 28.97 - $ 22.50 / (1 + 0.028)
= $ 7.08 Approximately.
According to the theory of current value accounting, assets and liabilities should be valued at the price at which they could be sold or settled as of the current date. This is different from the conventional practice of recording assets and liabilities only at the amounts at which they were initially acquired or incurred. The International Financial Reporting Standards (IFRS) and Generally Accepted Accounting Principles (GAAP) have both been moving in the direction of requiring more current value accounting, so that fewer assets and liabilities are still recorded on the balance sheet at their original costs.Learn more about Current value, here
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If the perfectly competitive firm is producing an output level at which price equals marginal cost, it is.
When marginal revenue equals marginal cost, or when MR = MC, a fully competitive firm will make the decision that will maximize its profits.
What is a perfectly competitive market?According to economic theory, perfect competition exists when all businesses sell the same goods, market share has no bearing on prices, businesses can enter or quit the market without any obstacles, consumers have perfect or complete information, and businesses are unable to set prices.
The qualities of perfect competitiveness are as follows:
Market with a large number of customers and merchants.Free company entry and exit from the market.A uniform product should be offered by every business.Both buyers and sellers should be fully informed about the market.no pricing regulation.A market that is designed to be completely free of abnormalities that may otherwise prevent the best pricing from being realized is referred to as a perfect market. These are some instances of this ideal market structure: a plenty of buyers. There are several sellers. Products are uniform.
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currently, the marginal product of labor is 45 units per week. the average product of labor at the current level of output is 32 units per week. if the employer hires one more worker, the marginal product of labor will be 47 units per week. the average product of labor will .
The average product of labor will rise.
Labor
Work or labor is a purposeful activity people engage in to support their own needs and goals, those of others, or the needs and wants of a larger community. Work can be understood in the context of economics as human activity that, along with other factors of production, contributes to the goods and services within an economy.
Work is essential to all communities, but it can vary greatly within and across them, from manually obtaining natural resources to using sophisticated technology that eliminate the need for many people to exert physical or even mental effort. All but the simplest tasks also call for a particular set of abilities, resources, and tools (such as material for manufacturing goods). Throughout history, a variety of viewpoints have been expressed by cultures and people.
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is it possible for the risk premium to be negative before an investment is undertaken? can the risk premium be negative after the fact? explain
Investments are subject to the financial concept known as risk premium.
The risk premium, which must be greater than the return on a risk-free asset, is the additional return that an investor anticipates when making an investment in a risky asset.
Before making an investment, there should always be a risk premium because this is the reward given to investors who take on more risk than those who invest in a risk-free project. As a result, the risk premium cannot be negative prior to making the investment.
However, it is highly unlikely that a risk premium will be negative in the future.It could happen if the risky asset's expected return suddenly drops to a very low level and the risk-free return suddenly rises, or if an irrational investment decision is made.
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Which bank is best to open savings account?.
Kotak Mahindra Bank bank is best to open savings account.
Savings accounts were a secure way to preserve your money since all consumer deposits were protected by the FDIC with bank accounts and the NCUA for credit union accounts. CDs issued through banks und credit unions are also protected under deposit insurance.
Although there are various kinds of bank deposits, the deposit account, term deposit account, as well as certificate of deposit were the three greatest commons.
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Ed decided he had to say something. He thought about saying, "barry, you’re ruining my life with all the work assignments. " instead, he said, "barry, lately i’ve felt overworked and wondered if we could talk about my work assignments. " what principle of holding a difficult conversation is most at play here?.
Finding common ground, avoiding either/or thinking, putting others' interests first, and refraining from hyperbole are some of the principles for having difficult conversations.
What's the challenging converse?A organized debate about a challenging subject or upsetting event aims to present several viewpoints, promote understanding, and cultivate respect (not to persuade or win").
Durlofsky advises using a straightforward approach. She claims that if you can maintain objectivity and emotional detachment, you have a better chance of implementing straightforward answers. Emotions can get in the way of what you're attempting to do. When speaking, keep your cool and let your points of debate take the lead.
For the challenging conversation, boldness is more important than anything else, along with knowledge and empathy. With more experience, you'll become more skilled at confronting these problems head-on. Managing unpleasant talks at work can be difficult.
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If the government increases taxes, what happens to the price index and the actual real gdp holding all else constant?.
If the government increases taxes, the price index and the actual real GDP holding all else constant is :
B) In this case, the price index increases, and the actual real GDP decreases.
An appropriate GDP increase charge is between 2% and 3%. The GDP boom rate changed to 2.6% for the 1/3 area of 2022, as compared to the second sector's 0.6% decline. The GDP growth rate measures how wholesome the financial system is. Whilst the wide variety is fine, the financial system is developing.
If GDP is falling, then the economy is shrinking - terrible information for companies and employees. If GDP falls for 2 quarters in a row, this is known as a recession, which could suggest pay freezes and misplaced jobs.
Economists historically use the gross home product (GDP) to measure monetary development. If GDP is rising, the financial system is in strong form, and the nation is moving ahead. On the other hand, if the gross domestic product is falling, the economy might be in trouble, and the nation is losing its floor.
Disclaimer: The question is incomplete. Please read below to find the missing content.
Question: If the government increases taxes, what happens to the price index and the actual real GDP holding all else constant?
A) In this case, the price index decreases, and the actual real GDP decreases.
B) In this case, the price index increases, and the actual real GDP decreases.
C) In this case, the price index decreases, and the actual real GDP increases.
D) In this case, the price index increases, and the actual real GDP increases.
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(1)based on historical data, the average productivity of the programmer is 500 loc/pm. suppose the labor rate is $4000 per person per month, what is the total estimated project cost and the estimated effort in person-months? (5pts)
Estimates of effort and cost are commonly based totally on consequences of evaluation the usage of fashions or historical data applied to size, activities, and different planning parameters.
Confidence in these estimates is based on motive for the selected model and the nature of the data.
How do you estimate the effort for your project?Effort estimation in Agile
Rather than using time or price estimates, they will seem at user testimonies and story points. A product owner will evaluate the features of their new mission with a previous one to decide the complexity of their consumer story and assign suitable story points.
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https://brainly.com/question/28195569#SPJ4shane wants to invest money in a 6% cd that compounds semiannually. shane would like the account to have a balance of $190,000 four years from now. how much must shane deposit to accomplish his goal?
In order to accomplish his goal, Shane has to deposit an amount of $149,987.764.
Shane wants to invest money in a CD account that compounds semiannually at a 6% annual rate. Shane would like the account to have a balance of $100,000 four years from now.
Future amount = $190,000
Rate of interest = 6% compounds semiannually
Number of year = 4 year
Compounds semiannually
So,
Rate of interest = 6% / 2 = 0.03
Time taken = 4 x 2 = 8 times
So,
A = P[1+r]ⁿ
190,000 = p[1+0.03]⁸
190,000 = p[1.03]⁸
190,000 = p[1.26677]
p = 190,000 / 1.26677
p = $149,987.764
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which of the following is true regarding temporary accounts? a.) after determining which assets can be claimed by the owner, these accounts track resources that are owned by others. b.) after closing at the end of a period, these accounts are reopened at the beginning of the next period. c.) a rolling balance carries over from one accounting period to the next accounting period. d.) these accounts record the accumulated profits throughout the life of a business.
d.)After closing at the end of a period, these accounts are reopened at the beginning of thenext period. Temporary account balances will be carried to the next accounting period.
A transitory account is one that closes at the end of each accounting period and has no balance when a new period begins. To prevent their balances from being combined with those of the subsequent accounting period, the accounts are closed. The goal is to display the revenue that was earned as well as the accounting activities for various time periods. Short-Term Account For instance, Company X reported $300,000 in revenue just in 2016. Then, in 2017, $200,000 more in earnings were recorded, and in 2018, $400,000 more. The entire revenue would be $900,000 if the temporary account had not been cancelled. Due to the combination of three years' worth of revenues, the corporation may appear to be a very prosperous enterprise, but that isn't really the case.
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who believed that small disturbances in output, prices, or unemployment were likely to be magnified by the invisible hand of the marketplace?
Answer:
b
Explanation:
Answer:
John Maynard Keynes
Explanation:
When supply chain members that buy and sell to one another are not in agreement about their goals, roles, or rewards ________ channel conflict can occur.
Vertical channel conflict can happen when supply chain participants that buy from and sell to one another do not agree on their objectives, responsibilities, or benefits.
What does supply chain management's channel conflict entail?Any disagreement or conflict that could arise between two or more channel partners when one partner's decisions or actions have an impact on the other's financial results, sales, or market share is referred to as a channel conflict.
A vertical channel conflict is what?There is a vertical channel conflict when two or more partner kinds compete on different channels. This could be compared to a quarrel over client acquisition between a core firm and an affiliate, a dispute between a provider and a reseller, or other situations.
How can vertical disputes in distribution channels develop?Vertical channel conflict is the most prevalent type of channel conflict. This occurs when a conflict arises between two parties who are located at various locations along the distribution chain, such as a manufacturer and a retailer. Sales, both direct and indirect, are potential vertical conflict triggers.
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