Answer:
D. secured loan
Explanation:
"A secured loan is a loan backed by collateral"
[A. unsecured loan is a loan that doesn't require any type of collateral.]
[B. credit card ...no]
[C. property loan is a secured loan that is sanctioned keeping an asset as mortgage with the lender.]
[D. secured loan is a loan that is backed by collateral]
A secured loan requires property to be used as collateral. D. Secured Loan.
What are secured loanA secured loan requires property or other assets to be used as collateral. If the borrower defaults on the loan, the lender has the right to seize the collateral to recoup their losses.
This reduces the risk for the lender, which can result in lower interest rates compared to unsecured loans. Examples of secured loans include mortgages and car loans.
Because the lender takes on more risk, these loans typically have higher interest rates. Personal loans and credit cards are examples of unsecured loans.
Option D is therefore correct
Read more on secured loan here https://brainly.com/question/28687864
#SPJ6
The approach to estimating project time and cost that begins with an overall estimate for the project and then refines estimates for various stages of the project as it is implemented is known as ____________. Multiple Choice range estimating phase estimating method parametric procedure template method WBS method
Answer:
phase estimating method
Explanation:
The approach to estimating project time and cost that begins with an overall estimate for the project and then refines estimates for various stages of the project as it is implemented is known as PHASE ESTIMATING METHOD
The above statement is based on the fact that PHASE ESTIMATING METHOD is applicable whereby the total estimate of a product life cycle is extremely difficult to ascertain.
Instead, to get the estimate, each elemental stage is estimated one after the other, with the immediate stage having an elaborate estimate, while the subsequent stages having a brief or overview estimate.
Olivia is working with a small group of five coworkers put together by their CEO, Ben. They have been instructed to take care of an inequality in their manufacturing plant. Olivia and her team have the authority to make decisions by themselves without the approval of Ben. Olivia is working in ______.
Answer:
Both a self-managing team and a problem-solving team.
Risk acceptance is a natural part of driving. Risks are always present, and the compensation involves: Recognizing _____________________ errors. Making appropriate adjustments A driver often makes ________________ decisions in city traffic driving Studies indicate that drivers who do not wear safety belts tend to make more risks while driving than drivers wearing seat belts. Driving behavior is based on risk ___________________ rather than _________________ risk. Factors that drivers cannot control in risk management are: _____________________________________ _____________________________________
Answer:
Balls
Explanation:
Balls
The correct answers for the blanks are as follows:
Recognizing and correcting errors.Split-second decisions.Risk perception rather than actual risk.External conditions such as weather, road conditions, and other drivers' actions.Correcting errors refers to the process of identifying and rectifying mistakes or faults in one's actions or behaviors. In the context of driving, it involves recognizing and addressing any errors or incorrect maneuvers made while operating a vehicle.
This can include correcting improper lane changes, adjusting speed to match road conditions, maintaining proper following distance, signaling turns accurately, and adhering to traffic rules and regulations.
Correcting errors requires attentiveness, self-awareness, and the ability to promptly take corrective actions to ensure safe and responsible driving. It plays a crucial role in mitigating risks and preventing potential accidents or hazards on the road.
Learn more about correcting errors here:
https://brainly.com/question/29784389
#SPJ6
Industries that produce A. durable goods are more affected by recessions than is the economy as a whole. B. goods that are expected to last for fewer than three years are more affected by recessions than are durable goods. C. durable goods are less affected by recessions than is the economy as a whole. D. goods that are expected to last for three or more years are less affected by recessions than are nondurable goods.
Answer:
A. durable goods are more affected by recessions than is the economy as a whole
Explanation:
The industries produce those types of goods that are durable also it could highly impacted whenever the recessions come in the market if we compared with the overall economy
Here durable goods means the goods that can be consumed for the longer time like cars, home appliances, etc
Therefore the above statement should be true
hence, the correct option is a.
Bob and Sally were recently married. They are currently working on their estate plan. As their Financial Planner, they tell you that Sally is not a citizen of the United States. She is originally from Japan. When you are looking at their estate plan, what type of trust should you include
In at least 150 words, examine the elements that might lead to a worker receiving a higher salary. Be sure to provide details and examples from your lesson. Provide specific detail and in depth discussion of at least two of the element areas requiring higher pay.
Answer:
As salaries are paid to workers by virtue of the work they perform, a factor that can be decisive for a salary increase is none other than a greater or better performance of the tasks that the worker performs.
On the other hand, wages can also rise if the country's minimum wage is raised, or if there is a situation of inflation that renders workers' wages useless over time.
And also, it may happen that the company that pays the worker's salary is in an exceptional situation that implies a salary improvement as a way of rewarding the performance of its workers.
what is Photosynthesis?
Freé points -,-
Answer:
photosynthesis is a process by which green plants prepare their own food with the help of sun light and chlorophyll.
Answer:
the process by which green plants and some other organisms use sunlight to synthesize nutrients from carbon dioxide and water. Photosynthesis in plants generally involves the green pigment chlorophyll and generates oxygen as a by-product.
Toby has been working on collecting tidbits over the past year from a financial firm's trash in an effort to eventually break into their system. Even though the financial firm has strict restrictions on access to their trash, Toby has been able to bypass these restrictions. How has Toby most likely done this
Answer:
By acting or posing as a waste management collector looking to fix the dumpster or collect the debris
Explanation:
The computer as an electronic machine has served as a tool or an object of the crime, subject of the crime and an instrument of the crime
Cyber crime
This is simply known as a criminal act. It is the process by which there is the stealing or destruction of information, resources, or funds utilizing computers, computer networks and the Internet.
Computer fraud
This is simply a type of fraud committed with the use of contemporary technology and it is regarded as a law crime. It includes theft of information and corporate espionage etc.
Most cyber crimes are usually well organized. The individual committing the crime usually puts a lot of efforts in achieving their goal. Toby could only have gained access to the company dumpster if he poses as the one or company sent to collect the trash.
Cost sharing _____. a. involves employers sharing the costs of government-mandated health insurance plans with the government b. requires insurance firms to share profits with employers who purchase insurance plans c. allows employees to track their fund balances d. requires employees to pay for more of their benefit costs
Answer:
d. requires employees to pay for more of their benefit costs
Explanation:
Costing is the measurement of the cost of production of goods and services by assessing the fixed costs and variable costs associated with each step of production.
In Financial accounting, a direct cost can be defined as any expense which can easily be connected to a specific cost object such as a department, project or product. Some examples of direct costs are cost of raw materials, machineries or equipments.
On the other hand, any cost associated with the running, operations and maintenance of a company refers to indirect costs. Some examples of indirect costs are utility bill, office accessories, diesel, etc.
Cost sharing can be defined as a process in which an employee makes payment for a portion of the cost he or she incurred, especially benefit costs.
In Business management, cost sharing requires employees to pay for more of their benefit costs.
Hàm số câif và cung của một hàng hóa như sau Qd=80-10P Qs=-70+20P Xác định giá và sản lượng cân bằng trên thị trường
Answer:
Equilibrium price = $5
Equilibrium quantity = 30 units
Explanation:
Given:
Quantity demanded = Qd = 80 - 10P
Quantity supplied = Qs = -70 + 20P
Find:
Equilibrium price and quantity
Computation:
Equilibrium price and quantity
Qd = QS
So,
80 - 10P = -70 + 20P
150 = 30P
Equilibrium price = $5
Qd = 80 - 10P
Qd = 80 - 10(5)
Equilibrium quantity = 80 - 50
Equilibrium quantity = 30 units
You are concerned that the accountant in your organization might have the chance to modify financial information and steal from the company. You want to periodically have another person take over all accounting responsibilities to catch any irregularities. Which security principle are you implementing by periodically shifting accounting responsibilities
Answer:
The security principle that I'm implementing is Job rotation.
Jane is trying to decide which courses to take next semester. She has narrowed down her choice to two courses, Econ 1 and Econ 2. Now she is having trouble and cannot decide which of the two courses to take. It's not that she is indifferent between the two courses, she just cannot decide. An economist would say that this is an example of preferences that: Group of answer choices all the other three answers are correct violate the assumption that more is preferred to less. are not transitive. are incomplete.
Answer:
The correct answer is the last option: Are incomplete.
Explanation:
To begin with, in the microeconomics theory the concept of preferences are refered to the situation in where the person has to decide between alternatives in order to obtain one of them that will, in theory, maximine his satisfaction. Moreover, with the purpose of being completely rational these preferences have to fullfil another mathematics characteristics such as being transitive and complete. So in the case presented when Jane is trying to decide which courses to take and she just can not decide, then that would be because the preferences are incomplete.
A strategic group consists of those firms in an industry that Group of answer choices employ similar competitive approaches and occupy similar positions in the market. are subject to the same driving forces. place about the same emphasis on each distribution channel. have similar size market shares. use the same key success factors to differentiate their products.
Answer:
employ similar competitive approaches and occupy similar positions in the market.
Explanation:
A strategic group means the set of the firms that should be within the industry that having same kind of strategy.
Also it employed the same kind of competitive approach due to this it occupied the same kind of position in the market
Therefore the first option is correct
Hence, the same is to be considered
An auditor ordinarily sends a standard confirmation request to all banks with which the client has done business during the year under audit, regardless of the year-end balance. A purpose of this procedure is to Provide the data necessary to prepare a proof of cash. Detect kiting activities that may otherwise not be discovered. Seek information about other deposit and loan amounts that come to the attention of the institution in the process of completing the confirmation. Request that a cutoff bank statement
Answer: Seek information about other deposit and loan amounts that come to the attention of the institution in the process of completing the confirmation.
Explanation:
An auditor needs to find out the source of a company's transactions that meet a materiality limit in order to ensure that the company was operating within the confines of the law in those transactions.
In the year of audit therefore, the auditor should request information from banks that the company transacted with so that they can find out relevant information about loans and deposit amounts to make sure that indeed the banks loaned out and received these amount.
describe your management experience , including a time you effectively resolved a difficult situation from a management capacity
Answer:
I managed workers of seven in the associate degree info Services department whose responsibilities enclosed delivering specifications and software package to internal purchasers. My role was that of PM or Project Manager, and my responsibilities enclosed one. guaranteeing every staffer was alert to their specific duties, 2. maintained the relevant timelines and ensured every team-member's deliverables arrived on time, 3. arranged, coordinated, and crystal rectifier conferences to debate current and approaching come, and 4. maintained knowledgeable and cozy social atmosphere for my workers.
One of the tougher problems I Janus-faced was after we employed a very bright developer whose my leader had W2'd in from the Asian nation. though he was very precocious in development of the cultural variations between his land and our mostly-female dev team quickly became telling. Sensing the growing hostility in my work cluster, and distinctive the problem, I quietly organized for the W2 worker to attend a cultural sensitivity coaching seminar (couching it as a necessary attend for all employees), and taking aside the pained parties and asking in a well-mannered way to figure with Maine on desegregation him. In the end, he came to a lot of embarrassed, apologized, and our team ran like mechanism thenceforth
Genna approached Al Ternator about joining the business as an owner. She offered to provide the technical expertise and deal directly with customers, while Al, who has a degree in finance, takes care of the financial side of running Car Keepers. In addition, Genna wants Al to contribute some much-needed money for expansion. Under Genna's proposal, she and Al would operate the business together as
As a partnership.
for further descriptions see screenshot
FitWear Inc, a sporting goods footwear and apparel company, features photographs of celebrities wearing its brand of clothing and sports gear, FitWear Inc. launched a commercial for its new line of football cleats. This commercial featured famous football Stars because the company believes that celebrities can influence customers' buying decisions. In this case, the football stars served as
A. aspirational reference groups
B. opinion leaders
C, decision makers
D. nonaspirational reference groups
Answer:
B. opinion leaders
Explanation:
Opinion leadership is leadership via the user who used the active media in order to interpretation the meaning of the message related to media or for the lower end media users
It is to be done for high esteem in the case of acceptance of their opinions
As the individuals influence the common people so it is a opinion leaders
since they are individuals influencing common people
Compare the sources of consumer credit travel and entertainment credit revolving check credit closed-end credit
Answer:
The source of consumer credit is credit obtained on services like banking, insurance and travel.
Explanation:
Source of consumer credit are savings, credit union, sales , life insurance and loans etc. Entertainment credit is a state provided naturla pension credit union its controlled by the members. Is a loan or a form of credit, where the fund is dispersed in full when the loan is closed and must be given back.Erosion can be described as the _____________________. Multiple Choice expenses that have already been incurred and cannot be recovered change in net working capital related to implementing a new project cash flows of a new project that come at the expense of a firm's existing cash flows alternative that is forfeited when a fixed asset is utilized by a project differences in a firm's cash flows with and without a particular project
Answer:
washing away of the top most layer of the Earth surface
A company has budgeted direct materials purchases of $290000 in July and $460000 in August. Past experience indicates that the company pays for 70% of its purchases in the month of purchase and the remaining 30% in the next month. During August, the following items were budgeted: Wages Expense $80000 Purchase of office equipment 65000 Selling and Administrative Expenses 42000 Depreciation Expense 29000 The budgeted cash disbursements for August are
Answer:
$596,000
Explanation:
Calculation to determine what The budgeted cash disbursements for August are:
Wages Expense $80,000
Add Purchase of office equipment $65,000
Add Selling and Administrative Expenses $42,000
Add August budgeted direct materials $322,000
($460,000*.70)
Add July budgeted direct materials $87,000
($290,000*.30)
Budgeted cash disbursements $596,000
($80,000+$65,000+$42,000+$322,000+$87,000)
Therefore The budgeted cash disbursements for August are $596,000
When working with text boxes and shapes, which tab contains settings for applying shadows and 3-D rotation to objects?
Fill & Line
Effects
Size & Properties
Picture
Answer:
B) Effects
Explanation:
In Microsoft Presentation the shadows and 3-D rotation option are available inside the Home tab. This option is used to provide special effects on the slides. and other options are not correct that can be described as:
The fill & Line both option working is different from each other the fill option used for fill color in shapes and the Line is used to provide a line in the presentation.The Size & Properties option is used to change the size and property of an object.The picture option is used to insert a picture or modify a picture in the presentation.
Answer:
Effects
Explanation:
Consider an economy with two agents, Amy and Becky, and two goods, x and y. Amy's utility function is U_A(x,y)=x_Ay_A, and Becky's utility function is U_B=\min\{4x_B,y_B\}. Amy and Becky's endowments are both \omega_A=\omega_B=(4,1). Suppose that the contract curve in this economy can be represented as y_A=mx_A. Find m.
Answer:
M=3
Explanation:
1. UA(x,y) = XAYA & Ug = min{3XB,YB} WA=WB=(3,1)
Now contract curve is locus of all Pareto efficient allocations,
Where
3XB_YB
XA + XB = X = 3+3=0
→ XB = 6 - X^
YA+YB = 1 + 1 = 2
YB = 2 - YA
Thus 3(6-XA) 2 - YA =
18-3XA-2+ YA = 0
➡16-3XA+ YA = 0
➡YA 3XA - 16 =
YA = 3XA
m = 3
as
So, if
then
2. UA(XA,YA) = 6XA+ YA & UB(XB, YB)= XB + 6YB
WA WB (10,10)
Core is locus of all pareto efficient allocations that make both individuals better off, as compared to these welfare level at endowment levels,
MRSA MUX/MUY = 6, MRSB-1/6 UA-6(10) + 10 = 70 = UB
Now, min XA is such that Uª> 70
➡ 6XA + YA≥ 70 as for core, allocation is Necessarily first pareto optimal,
So, YA = 0, then
➡ 6X₁> 70
➡XA≥ 70/6
Min XA2 11.67 is the answer.
Al hires Bob to move his furniture to his new house. On the day of the move, Bob does not feel like moving furniture, so he asks his friend Chuck to move the furniture. Chuck decides to leave before completing the move in order to watch a football game on TV. Al has to delay his move and hire another mover at a higher price. Al wants to sue Bob to recover for his damages. Given these facts, Al will most likely:
Answer: Win, because Bob is still liable to Al.
Explanation:
Accepting to do a job must come with commitment on the side of the servicer. It is unjust to accept a job without making much effort or input to see it carried out. Some businesses do this especially when a bigger offer comes their way and these puts a bad name to their organization as the failed client will have no good thing to say about them, when the cases goes like this, the client who was failed raises the issue to court and would win since he has already engaged the services, this is the tail between Bob and Al.
JPL Company has two segments - Retail and Commercial. The Retail segment has a contribution margin ratio of 40% and traceable fixed expenses of $70,000. Commercial has traceable fixed expenses of $50,000 and a contribution margin ratio of 55%. The company also has $30,000 of common fixed expenses. The break-even point in dollar sales for the Retail segment equals: Multiple choice question. $212,500 $116,667 $175,000 $250,000
Answer:
$175,000
Explanation:
Calculation to determine what The break-even point in dollar sales for the Retail segment equals:
Using this formula
Break-even point in dollar sales =Traceable fixed expenses/Contribution margin ratio
Let plug in the formula
Break-even point in dollar sales =$70,000 / 40% Break-even point in dollar sales = $175,000
Therefore The break-even point in dollar sales for the Retail segment equals:$175,000
Suppose that eight workers can manufacture 70 radios per day and that nine workers can manufacture 90 radios per day. If radios can be sold for $20 each, the value of marginal product of the ninth worker is a. $200. b. 20 radios. c. 90 radios. d. $400.
Answer:
d. $400.
Explanation:
The computation of the value of marginal product of the ninth worker is given below:
= (90 radios × $20) - (70 radios × $20)
= $1,800 - $1,400
= $400
Hence, the value of marginal product of the ninth worker is $400
Therefore the option d is correct
A firm that can effectively price discriminate will charge a higher price to Group of answer choices customers who have the more inelastic demand for the product. buyers who belong to the largest market segment. customers who have the more elastic demand for the product. buyers who are members of the smallest market segment.
Answer:
customers who have the more inelastic demand for the product.
Explanation:
Price discrimination is when the same product is sold at different prices to customers in different markets
types of price discrimination
1. first degree price discrimination : here sellers charge each consumer at their willingness to pay in order to eliminate consumer surplus.
2. second degree price discrimination : here firms offer different prices depending on the quantity purchased. e.g. giving discounts for bulk purchases.
3, third degree price discrimination : firms charge different prices to different groups of customers. e.g. having a certain price for senior citizens, students
Requirements to practice successful price discrimination
1. The firm must have market power. If the firm does not have market power and attempts to price discriminate they would lose customers
2. The firm must have different elasticities of demand for their product in different markets
3. The firm must be able to segment the market for their products
Price elasticity of demand measures the responsiveness of quantity demanded to changes in price of the good.
Price elasticity of demand = percentage change in quantity demanded / percentage change in price
Price elasticity of demand = midpoint change in quantity demanded / midpoint change in price
If the absolute value of price elasticity is greater than one, it means demand is elastic. Elastic demand means that quantity demanded is sensitive to price changes.
Demand is inelastic if a small change in price has little or no effect on quantity demanded. The absolute value of elasticity would be less than one
If a firm charges the higher price in the market where customers have a more inelastic demand, the fall in quantity demanded would be less than the increase in price. As a result, total revenue would increase
If on the other hand, the higher price is charged in the market with the more elastic demand, the fall in quantity demanded would exceed the price increase. As a result, total revenue would fall.
A competitive firm operating in the short run is maximizing profits and just breaking even. Its costs include a monthly license fee of $100 that is imposed by the state and must be paid for as long as the firm is in existence. The license fee is now raised to $150. To continue to maximize profits in the short run, the firm should: Question 2 options: a) increase output. b) increase price. c) not change output. d) reduce output.
Answer:
C
Explanation:
The short run is a period where all factors of production are fixed. In the short run, a firm would continue to produce if price is above average variable cost. If this is not the case, it would shut down.
In the short run, price and output cannot be changed.
The long run is a period where all factors of production are varied. It is known as the planning time for a company
Carter Production, Inc.'s required production for the first six month of the year is as follows. Month Required Production January 50,000 February 70,000 March 85,000 April 105,000 May 110,000 June 120,000 Each unit requires two pounds of material. Given a desired ending inventory of 20% of next month's production needs, the pounds of material to be purchased in April is: Multiple choice question.
Answer:
212,000 pounds
Explanation:
Calculation to determine what the pounds of material to be purchased in April is
Beginning inventory 210,000
(105,000 x 2)
Add Ending inventory 44,000
(20% of May production needs
( 110,000 x 2 x 20%)
Less Beginning Inventory 42,000
(20% of April)
April pounds of material to be purchased 212,000 pounds
(210,000+44,000-42,000)
Therefore the pounds of material to be purchased in April is 212,000 pounds
To increase the number of orders it receives from recipients of its direct-mail advertising, the maker of All-Natural Diet Products encloses a special envelope that customers can use to mail their orders without paying postage. This special envelope is an example of _____ mail.3
Answer:
C. business reply
Explanation:
In the case when we have to increase the no of orders that could be received via direct mail adverstising and the customer could use the special kind of envelope for mailling the orders so this should be an example of business reply mail as it is concerned with the business and here the orders are to be an important factor that becomes very important for the company.
Therefore the option c is correct
Valid criticisms of evaluating performance based on return on investment (ROI) include managers may ______. Multiple select question. take actions that increase ROI in the short-run at the expense of long-term performance be put in charge of a business segment that includes committed costs over which a manager has no control reject investment opportunities that are profitable for the company but have a negative impact on a manager's ROI affect ROI by increasing sales or decreasing operating expenses for their division
Answer: be put in charge of a business segment that includes committed costs over which a manager has no control. take actions that increase ROI in short-run at the expense of long-term performance . reject investment opportunities that are profitable for the company but have a negative impact on a manager's ROI.ROI doesn't include the investment in non-operating assets, such as land held for investment or stock in other companies
Explanation:
