Assume that the reserve requirement for demand deposits is 20 percent, that banks hold no excess reserves, and that the public holds no currency. If the banking system has limited reserves and the central bank sells $10,000 worth of government securities to commercial banks, the total money supply will decrease by $50,000.
A demand deposit account (DDA) is a bank account that allows unannounced withdrawals of deposited monies at any time. DDA accounts have the option, but not the obligation, to pay interest on the deposited monies. Savings and checking accounts are typical DDA types.
Demand deposit accounts (DDAs) permit money to be taken out of the financial institution at any time.
Demand deposits give money for purchases and daily expenses.
Demand deposit accounts offer little to no interest in exchange for the funds' accessibility.
Joint owners are permitted for demand deposit accounts.
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the estimated annual cash flows for a proposed municipal government project are costs of $750,000 per year, benefits of $900,000 per year, and disbenefits of $225,000 per year. calculate the conventional b/c ratio at an interest rate of 6% per year and determine if it is economically justified.
The case is on a "Forever" basis, so the Conventional B/C ratio and economic justification of the project is :
total Benefits = ($900000 - $225000) / Discount factor ie. 6% = $11,250,000
total costs = $750000 / Discount factor ie. 6% = $12,500,000
So, Conventional B/C ratio = Total Benefits / Total Costs = $11,250,000 / $12,500,000 = 0.90 < 1
The project is not economically justified being a Conventional B/C ratio of less than 1.
A ratio is a manner to reveal a courting or compare numbers of the same type. We use ratios to evaluate things of the identical type. as an instance, we may additionally use a ratio to evaluate the wide variety of boys to the number of women in your school room.
The phrase ratio is utilized in its social media experience regarding a situation in which a publisher has an excessive proportion of replies as compared to likes or reposts, which generally suggests a barrage of terrible replies criticizing and regularly mocking the put-up.
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the process by which marketers identify a basis for dividing the market into homogeneous groups of consumers is called:
The process by which marketers identify a basis for dividing the market into homogeneous groups of consumers is called Market segmentation
What Is Market Segmentation?Market segmentation is a marketing technique that involves identifying certain customer groups in order to deliver particular goods or product lines to them in a way that appeals to their preferences.Market segmentation acknowledges that not all customers share the same preferences, means of consumption, or needs.Market segmentation is significant because it aims to make a company's marketing initiatives more strategic and focused, as opposed to broadly catering to all potential customers.A business can improve its chances of making sales and being more resource-efficient by creating specific plans for specific products with target audiences in mind.
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_____________________ are the five promotion mix tools used by marketers to communicate customer value.
Answer:
AdvertisingPersonal SellingSales PromotionsDirect MarketingPublic Relations (PR).Advertising, public relations, personal selling, sales promotion, and direct and digital marketing are the five promotion mix tools used by marketers to communicate customer value.
What do you mean by Promotion?All of the activities that inform consumers about a product, brand, or service are referred to as promotions.
The promotion mix is a collection of advertising mediums that marketers utilize to reach their target market. It is frequently referred to as the communications mix because it is a crucial part of marketing communications.
The promotion mix budget, the promotion mix instruments (such as advertising, personal selling, sales promotions, direct marketing, and public relations), and the promotion mix tactics make up the promotional mix's four primary components.
Therefore, Advertising, public relations, personal selling, sales promotion, and direct and digital marketing tactics make to a company's overall promotion mix. Customers are engaged, customer value is convincingly communicated, and connections with customers are developed using the tools.
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Aa potential bondholder is considering four companies for investment. Which company has the lowest likelihood of defaulting on their interest payments?.
A potential bondholder is considering four companies for investment. Company 4 has a times interest earned ratio of 14.3.
What is the Time interest earned?
Based on current income, the times interest earned (TIE) ratio assesses a company's bondholder capacity to service its debt. Earnings before interest and taxes (EBIT) divided by the total interest due on bonds and other debt is the calculation for a company's TIE number.
The outcome is a figure that illustrates how many times a business could pay its interest expenses out of pretax profits. The interest coverage ratio is another name for TIE.
A company's relative independence from debt restrictions is shown by the TIE ratio. It is preferable to have enough cash flow to keep investing in the company rather than just having enough cash to avoid insolvency.
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Paul drives a truck as an employee for quick delivery, inc. Paul would most likely be considered acting outside of the scope of her employment if he.
Paul would most likely be considered acting outside of the scope of her employment if he crashed into a car at the airport while off-duty.
What is Employment?In most cases, the term "employment" refers to the condition of having a paid job—of being employed. A person is paid to work when they are employed. Employees are employed by an employer. As in We're working to increase our employment of women., the term "employment" can also refer to the act of employing people. Having a paid job is what is meant by being employed. She was unable to get a job. He frequently took the car to get to work from home. It is a profession where an individual working as an employee reports to an individual working as an employer. The conditions. There are some terms and conditions of labour, such as the number of hours worked, the length of the shift, the availability of paid time off, the location of the job, etc. Periodical remuneration
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New york theater purchased the copyright of a famous play for $42,000. The remaining legal life of the copyright was 62 years, but the estimated useful life was 15 years. If the new york theater uses straight-line amortization, how much of the cost of the copyright should they amortize each year?.
The annual cost of the copyright if they amortize it is $2800.
Explain about the Amortization?
Copyrights are amortized over their anticipated useful life, even though they have a limited lifespan of 70 years after the author's passing.
Amortization is crucial since it aids in the understanding and long-term forecasting of costs for organisations and investors. A amortisation schedule clarifies how much of a loan payment is made up of principal versus interest in the context of loan repayment.
25 years is the typical amortisation period. However, if you have at least a 20% down payment, you can extend it up to 30 years, and occasionally even longer. There are various options for shorter amortisations. You gain from them by accelerating the growth of your home equity.
$42,000/15 =$2800.
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true or false: the total value added for the three producers in this economy equals the economy's gdp. true
This claim is untrue. The three producers' combined value added in this economy is not equal to its GDP.
How much money is GDP worth overall?The value of all finished goods and services produced inside a nation's borders is measured by its gross domestic product (GDP). The total worth of products and services that a nation produces over time, both inside and without its boundaries, is known as its gross national product (GNP).
The three producers in this sector have a combined value contributed that is less than the GDP of the country. The GDP typically excludes products and services that are not sold in markets, such as food produced and consumed at home.
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Many rapidly growing firms are outsourcing areas like engineering, design, and manufacturing with the use of the internet, thus, developing a(n) _________ approach to operations management.
Many rapidly growing firms are outsourcing areas like engineering, design, and manufacturing with the use of the internet, thus, developing a(n) inter-firm approach to operations management.
What is inter-firm approach?Inter-firm approach can be defined as the type of approach put in place by companies or organization that enables them to analyze themselves or the type of business they does or engage in.
Most companies that tend to make use of this type of approach does that so as to check for any lapses and they find way to improves the lapse which inturn can tend to lead to effective smooth running of their business operation.
Therefore the blank space is inter- firm approach.
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according to purchasing-power parity, if the same basket of goods costs $100 in the u.s. and 50 pounds in britain, then what is the nominal exchange rate?
The nominal exchange rate 1/2 pound per dollar.
nominal exchange rate = 50 pounds/ 100 dollor
= 1/2 pound per dollar.
The nominal exchange rate is the quantity of domestic foreign money had to purchase foreign forex. In economics, the NEER is a trademark of a country's international competitiveness in phrases of the foreign exchange (foreign exchange) market.
Alternate rates are determined by elements, along with interest fees, confidence, the cutting-edge account on balance of payments, monetary increase and relative inflation fees.
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julien has been working at mountain real estate for one year. rather than using the business name, julien has his own name and personal logo printed on his business cards. per oregon stipulations what action must julien take with his business cards?
julien has been employed with mountain real estate for a year. Instead of utilizing the company name, Julien has his name and emblem printed on his business cards. Julien took his business cards and registered as a small business in Oregon.
What Is Real Estate?Real estate is defined as the land and any permanent structures, such a house, or improvements related to the property, whether created naturally or artificially. A type of real property is real estate. It is distinct from personal property, such as cars, yachts, jewels, furniture, and farm equipment, which is not permanently affixed to the land. Real estate is something permanently affixed to or established on land, whether it be created naturally or artificially.
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what are two reasons a firm would choose not to enter a new market on a large scale? (check all that apply.)
The first mover benefits, including demand acquisition, scale economies, and switching costs, are provided by large-scale market entry, which implies quick entry. A smaller entrance allows for a more steady expansion of the company while also limiting exposure to the market and improving market knowledge.
Why are businesses unable to enter a market?Patent protections, strong brand identity, devoted consumers, and high switching costs are a few common entry-level barrier factors. Special tax benefits for existing businesses are another. New businesses must first seek licenses or regulatory clearance, which is one of the other obstacles.
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when a company is caught and reprimanded for engaging in ethical misconduct, the resulting legal fees, ethics training for employees, and funds required to fix the problems are examples of multiple choice question. visible costs. internal administrative costs. invisible costs. intangible or less visible costs.
When a company is caught and reprimanded for engaging in ethical misconduct, the resulting legal fees, ethics training for employees, and funds required to fix the problems are examples of internal administrative costs
What are administrative costs?
The expenditures of paying salaries and wages as well as perks to non-sales staff are referred to as administration expenses. Operating expenses are one of three categories of costs that make up a business. Selling and miscellaneous expenses round out the list.
Any non-production costs are included in an administrative budget:
marketing, rent, insurance, and salary for non-manufacturing divisions,The costs incurred by an organization that are not directly related to a particular activity, such as manufacturing, distribution, or sales, are known as administrative expenses.
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Why should records be kept for business-use assets such as video equipment and vehicles?.
Answer:
Records should be kept for business-use assets such as video equipment and vehicles because, Assets are the things you own and use in your business, such furniture and machines. To verify specific information about your company's assets, you must maintain records. To calculate the annual depreciation and the gain or loss when you sell the assets, you need records.
Explanation: Hope this helps you!
jamison, a broker, has been fined $10,000 and is being sentenced to four months' prison time for violations he has committed through his brokerage. which type of violation did he possibly commit?
Jamison, a broker, has violated the law through his brokerage and has been fined $10,000 and given a four-month prison sentence. He might have broken the law by paying advance fees for a loan that was backed by a lien on real estate.
Which of the following best describes mixing?Transferring escrow funds from a client to the broker's business account.
What occurs with mysterious trust account overages?Unaccounted-for trust account overages are considered trust funds, and until the broker is able to prove who is the rightful owner, the funds must be kept in either the broker's trust fund account or a separate trust fund account specifically created to house them.
A postdated cheque is it deemed a promissory note under California law?Post-dated checks are not negotiable under California law, which has determined that they are the legal equivalent of a promissory note. Without providing sufficient notice to the seller, the broker is not permitted to accept a buyer's postdated check.
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which of the following is a major reason for disclosure of deferred income tax information? i. determining the amount of state and federal taxes payable. ii. better predictions of future cash flows. iii. better assessment of quality of earnings.
The major reason for the disclosure of deferred income tax information is better predictions of future cash flows. (option ii).
What is deferred income tax?Deferred income tax is a liability recognized on the balance sheet and arises from differences in revenue recognition between tax laws and a company's accounting policies. As a result, our income taxes payable may not represent the total tax expense reported.Your total tax expense for a given fiscal year may differ from your tax liability to the Internal Revenue Service (IRS). This is because the company defers payments due to different accounting rules.Deferred income tax is recognized as a liability on the balance sheet.Differences in depreciation methods used by the IRS and GAAP are the most common cause of deferred income taxes.Deferred income taxes can be classified as either current or non-current liabilities.To know more about deferred income refer to:
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a company just starting in business purchased three merchandise inventory items at the following prices: first purchase $64; second purchase $76; and third purchase $68. if the company sold two units for a total of $200 and used lifo costing, the gross profit for the period would be .
the gross profit for the period would be $60 for a company just starting in business and purchasing three merchandise inventory items.
What is gross profit?It is the profit of a company after deducting the costs associated with manufacturing and selling a product or the costs associated with providing a service.It is shown on a company's income statement and can be calculated by subtracting the cost of goods sold from revenue or sales. These figures can be found on the company's income statement. Gross profit is also called sales profit. It includes only variable costs and does not consider fixed costs.Gross margin measures the efficiency of a firm in using its labor and inputs to produce goods and services.Gross profit, which reflects only the cost of goods sold, differs from net profit, which accounts for corporate expenses. This is the margin that indicates what percentage of the company's revenue can be used to pay the company's operating expenses.to know more about gross profit refer to:
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for instance, an administrative assistant position, an internal control position, and an entry-level position. her favorite day is
Internal control, administrative assistant, and entry-level positions, for example, are always open in accounting. Monday is her favorite day.
Along with incessant smoking and mid-day drinking, one of the most noticeable aspects of the corporate era portrayed in the AMC series Mad Men is the army of secretaries that work at Sterling Cooper, the 1960s advertising agency that serves as the show's setting. The executive assistant, now normally reserved for top management, has supplanted the secretary of those days, who has gone the way of the carbon copy. Technology such as voicemail, e-mail, mobile devices, and online calendars have improved the level of independence that managers at all levels can operate with.
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justin owns 400 shares of oan stock which he bought 10 months ago at $20 per share and has now risen to $35 per share. he is afraid the stock price will fall before he has owned it for a full year, but wants to postpone realizing profits on the stock for several months, when it will become a long-term rather than short-term gain. he can protect his profit and avoid the short-term capital gains rate by: group of answer choices writing covered calls buying calls buying puts writing puts
He can guard his income and keep away from the short-time period capital profits charge via way of means of: the proper solution is c. shopping for puts.
The required details for short-term gain in given paragraph
~ A positioned alternative offers the purchaser of positioned the proper to promote the underlying inventory at a set strike charge of the alternative.
~ Therefore, via way of means of shopping for a positioned alternative at the inventory, Justin can lock within side the better promoting charge because the strike charge of the positioned alternative, and on the time of maturity, if the inventory charge has fallen within side the market, he can workout the positioned choice to promote at a better charge of strike charge.
~ This approach is referred to as "Protective Put". Protective positioned is a approach of purchasing a positioned alternative at the shares which might be already owned, to guard the income on inventory from the falling charges of inventory within side the market.
Gains you are making from promoting property you have held for a 12 months or less are referred to as short-time period capital profits, and that they typically are taxed on the identical charge as your normal income, everywhere from 10% to 37%.
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What is a good way to use a cover letter to start a two-way conversation with a potential employer?.
A good way to use a cover letter to start a two-way conversation with a potential employer is:
Demonstrate excitement for the business.Accentuate a shared link.Start with a noteworthy accomplishment.Bring up a noteworthy topic.Show enthusiasm for what you do.Tell a unique tale.Start with a statement of belief.What is a cover letter?A letter of introduction that is connected to or is included with another document, such as a resume or curriculum vitae, is known as a cover letter, cover letter, inspiration letter, motivating letter, or letter of motivation.You should address two primary points in your cover letter: why you are the ideal candidate for the position, and why you are enthusiastic about working for the organization. Your cover letter should primarily consist of factual information without any filler or stereotypes.A good way to use a cover letter to start a two-way conversation with a potential employee:
Demonstrate excitement for the business.Accentuate a shared link.Start with a noteworthy accomplishment.Bring up a noteworthy topic.Show enthusiasm for what you do.Tell a unique tale.Start with a statement of belief.Therefore, a good way to use a cover letter to start a two-way conversation with a potential employer is:
Demonstrate excitement for the business.Accentuate a shared link.Start with a noteworthy accomplishment.Bring up a noteworthy topic.Show enthusiasm for what you do.Tell a unique tale.Start with a statement of belief.Know more about a cover letter here:
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How do you promote an event with no money?.
Promoting an event with no money could be done by focussing on pre- event preparation and brand creation.
How do you promote an event without money?Utilize social media: Take into account adopting a specialty or specialized segmentation so members of a sector or demography can check your calendar for activities they are confident they will appreciate.Having a blogger as a friend : Make as many friends as you can with bloggers, social media ambassadors, and influencers. If they are essential to your low-cost event promotion, they will aid you in spreading the word if they know, like, and trust you.Seek media support: If you host newsworthy events, getting to know these people will be helpful to you in your event promotion as well. Don't forget writers for periodicals, travel websites, or anything else relevant to the activities you host and they would contribute on a large scale for your brand creation.To learn more about brand creation, refer:
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true or false: comparable-worth policies have been readily accepted by all employers in the united states.
Comparable worth policies have been readily accepted by all employers in the United States - False.
Employer compensation in the United States refers to the cash compensation and benefits that an employee receives in exchange for the service they perform for their employer. Approximately 93% of the working population in the United States are employees earning a salary or wage.
Typically, cash compensation consists of a wage or salary, and may include commissions or bonuses. Benefits consist of retirement plans, health insurance, life insurance, disability insurance, vacation, employee stock ownership plans, etc.
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what are the types of employee behavior that managers can influence? multiple select question. counterproductive work behaviors performance and productivity self-esteem and locus of control turnover and absenteeism organizational citizenship behavior
Performance and productivity, unproductive work habits, organisational citizenship, and absenteeism and turnover are all employee behaviours that managers can affect.
Employee behaviour is the term used to describe how employees act in particular situations or circumstances at work. Employees' behaviour in the workplace is influenced by a variety of factors, but particularly by their own and the organization's cultures.
Employee behaviour is characterised as a person's response to a specific situation at work. Employees must act responsibly at work in order to uphold a positive work environment as well as the respect and admiration of their coworkers. One must follow the rules and regulations at work.
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how can a strangle trading strategy be created? group of answer choices buy one call and one put with different strike prices and same expiration date buy two calls and one put with the same strike price and expiration date buy one call and two puts with the same strike price and expiration date buy one call and one put with the same strike price and same expiration date
Strangle can be created by Buy one call and one put with different strike prices and same expiration date, which means that option A should be the right answer.
A strangle generally focuses on the investors who think an asset will move dramatically but are unsure of the directions. Strangle trading can be profitable both in long term and short term investment, but one must carefully devise back up plans in case of lower profits or low volatile period. Strangle is basically an option in which investors hold a position in a call with a high price rate and puts an option with a low price rate. The strangle is an improvisation over the straddle and gives good returns.
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When the selecting the purchasing method to use as the lot size when replenishing a part in inventory, what factor would recommend using the economic order quantity?.
When the selecting the purchasing method to use as the lot size when replenishing a part in inventory, the factor that would recommend using the economic order quantity is need to manage cost.
What is an Economic Order Quantity in Inventory Management?In Inventory Management, an economic order quantity means the ideal order quantity a company should purchase in order to minimize its inventory costs such as holding costs, shortage costs, and order costs.
This quantity is used in inventory management which is the oversight of the ordering, storing, and use of a company's inventory. An Inventory management is also tasked with calculating the number of units a company should add to its inventory with each batch order to reduce the total costs of its inventory.
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expanding awareness is? limited by our unconscious resistance. a basic goal of existential therapy. not given emphasis in existential therapy. possible only with a few clients.
Expanding awareness is a basic goal of existential therapy.
A different attentional technique is "expanded awareness." It entails maintaining focus on all that is occurring simultaneously in a larger environment at one time while doing it minute by moment. This exercise can help us become more perceptive of our surroundings.
Our senses are activated and sharpened by expanded awareness, enabling us to react rapidly and adaptable to changes in our surroundings. We require simultaneous concentrated attention and expanded awareness when life demands our best effort.
A state of consciousness in which we perceive more than what is immediately perceptible through the physical senses or is understood by the reasoning mind is known as expanded awareness.
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jennifer is thinking about leasing a sports car. she will make monthly payments based on a money factor and the price of the vehicle, which is called the
Jennifer considers renting a sporty automobile. She will make regular payments determined by a money factor, the capitalized cost of the vehicle, and other factors.
What exactly are capitalized costs?On a company's balance sheet, a capitalized cost is an item that is added to the cost base of a fixed asset. When constructing or acquiring fixed assets, capitalized expenditures are incurred. Capitalized costs are not written off in the period they are incurred, but rather are recognized over time through depreciation or amortization.
Cost capitalization is the practice of deferring recognition of the cost of a fixed asset, whether tangible or intangible, until after it has been incurred and instead deducting it over time through depreciation or amortization, as appropriate.
How are capitalized costs determined?The maintenance cost is multiplied by one over the interest rate to determine a capitalized cost, which is then added to the initial cost.
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in creating an organization that supports and promotes the use of evidence to guide administrative and clinical decision making, what should be the first step in the transformation process?
In creating an organization that supports and promotes the use of evidence to guide administrative and clinical decision-making, Reviewing the mission and vision statements of the organization for compatibility with an evidence-based approach should be the first step in the transformation process.
A business enterprise is a group of folks that work together, like a community association, a charity, a union, or a company. you can use the word corporation to consult a group or business, or to the act of forming or organizing something.
The organization is the root of a solid financial control application. without a system that video displays units receivables and tracks cash waft, balances can go unpaid without a word. Staying on top of how a whole lot of money is going inside and outside assists you to modify what's necessary to reduce spending and increase income.
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depositors lack of information about the quality of bank assets can lead to group of answer choices asset transformation. bank booms. bank panics. sequencing.
Depositors' lack of information about the quality of bank assets can lead to bank panics.
Banks are Depositors between depositors (who lend money to the financial institution) and debtors (to whom the bank lends cash). The quantity banks pay for deposits and the income they acquire on their loans are each called interest.
People decide on time deposits over normal financial savings due to the fact the hobby fees are tons better, even in 3 instances. The yield on deposits received is better after saving the money for a positive time. There aren't any administrative prices in deposits, so your finances are not reduced.
Human beings deposit their savings in banks. They could withdraw their money every time required. Due to the fact the deposits inside the bank account can be withdrawn on call, these deposits are called demand deposits.
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what are some potential environmental issue(s) of having a golf course, businesses (i.e. walmart, gas stations), and houses and apartments near the celery bog?
Environmental problems like global warming, acid rain, air pollution, urban sprawl, waste disposal, ozone layer depletion, water pollution, climate change, and many more affect every human, animal, and nation on this planet.
Major current environmental issues may include climate change, pollution, environmental decline, and resource reduction. The conservation movement lobbies for the protection of exposed species and protection of any ecologically precious natural areas, genetically modified foods and global warming.
The list of issues girding our terrain go on, but there are three major bones that affect the maturity of the overall global warming and climate change; water pollution and ocean acidification; and loss of biodiversity.Climate change is the big environmental problem that humanity will face over the coming decade, but it is not the only one. We will take a look at some of them — from water deaths and loss of biodiversity to waste operation — and bandy the challenges we've ahead of us.Learn more about Environmental problems here: https://brainly.com/question/1888324
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which of the following individuals would the u.s. unemployment rate include? a 15-year old boy who mowed the lawn for a family that just moved out of town and who is looking for a new job. a 50-year old man who quit his job at a software company two months ago and is looking for one with a new company. a 29-year old new mother who has decided to stay at home for a year to raise her baby. a 45-year old woman whose part-time job as a cashier does not allow her to fully pay her bills.
50-year old man who quit his job at a software company two months ago and is looking for one with a new company.
The u.s. unemployment rate include?The Department of labor's bureau of labor statistics (BLS), a division, calculates the unemployment rate. 60,000 households participate in the current population survey, a monthly survey that is carried out by this government organization.
Utilizing random sampling techniques created to produce the most accurate approximation of the larger population, these households are chosen.
Given that there are more than 333 million people living in the united states, the sample's number of households may appear to be quite small.
Nevertheless, it is actually quite big compared to most public opinion polls, which typically have 1,000 or fewer participants.
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