Paid $40,000 cash to replace a motor on equipment and addition to the building for $225,000 cash is a capital expenditure, whereas, $200 cash per truck and $175 for the monthly cost of replacement filters is a revenue expenditure.
Revenue expenditures ar short expenses employed in this amount or generally inside one year. Revenue expenditures embrace the expenses needed to fulfill the continuing operational prices of running a business, and therefore ar primarily identical as operative expenses (OPEX).
Capital expenditure (CapEx) is cash that's spent to accumulate, repair, update, or improve a set company quality, like a building, business, or instrumentation. A CapEx is totally different from an everyday business, that falls below the expense class.
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curve a is always declining because a. marginal product first increases, then decreases. b. of diminishing marginal product. c. we are dividing fixed costs by higher and higher levels of output. d. marginal product first decreases, then increases.
Curve a is always declining because we are dividing fixed costs by higher and higher levels of output.
Since AFC=FC/Q and Q are rising while the curve is falling as a result of AFC=FC/Q, the curve is known as the AFC curve (curve A). Since curve B and curve C are both cut off at their minimums by curve D, these curves are AVC and ATC, respectively.
Fixed costs are expenses incurred by a firm that is independent of the volume of goods or services the business produces. They are often referred to as indirect costs or overhead costs. They typically have a periodic nature, such as monthly rent or interest payments. These expenses are frequently capital costs as well.
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The market system does not produce public goods because:
O there is no need or demand for such goods.
O private firms cannot stop consumers who are unwilling to pay for such goods from benefiting from them
O public enterprises can produce such goods at lower cost than can private enterprises.
O their production seriously distorts the distribution of income.
Public choice economists hold that politicians will:
O favor programs entailing immediate and clear-cut costs and vaguely defined or deferred benefits
O follow policies leading to an optimal allocation of resources between public and private sectors
O favor programs entailing immediate and clear-cut benefits and vaguely defined or deferred costs.
O objectively weigh the costs and benefits of various government programs and vote accordingly
Public goods are those for which there
O is no free-rider problem
O are no externalities
O are nonrivalry and nonexcludability
O are rivalry and excludability
The private market only produces items for that it can hope to make a profit since it is profit-driven. In other words, it won't create any public goods.
What various kinds of enterprises are there?A business can be incorporated, quasi-incorporated, a non-profit organization, or unincorporated. According to their size, businesses can be categorized into a variety of groups; the most common criterion used for this is the number of employees.
Why do we employ enterprises?Although the term "enterprise" is commonly linked to entrepreneurial endeavors, it is typically used to refer to a for-profit business. "Enterprising" people are those who succeed because they're not afraid to take chances. Enterprise is a term that is
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In your completed RACI chart, who is responsible for coding the landing page
Note that in a completed RACI chart, the person who is responsible for coding the landing page is: A team member of Project Manager.
What is a RACI Chart?A responsibility assignment matrix, also known as a RACI matrix or a linear responsibility chart, illustrates how various roles contribute to the completion of tasks or deliverables for a project or business process.
A RACI chart (also known as a Responsibility Assignment Matrix) is a method for identifying the roles and responsibilities of your project team for every task, milestone, or project deliverable. You may clarify responsibilities and prevent confusion by using the RACI abbreviation.
A RACI chart is one tool that project managers may use to keep a project on track. The chart assists teams in communicating clearly and keeping the proper individuals in the loop by identifying all stakeholders and designating a level of engagement for each job.
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question 9 taylor, a salaried worker, often stays late to complete work to impress management without extra pay. this is most likely an example of the influence of which norm? a. motherhood b. ideal worker c. individualism d. consumerism e. technology
Taylor, a salaried employee, frequently remains overdue to finish paintings to electrify control with out greater pay. that is maximum in all likelihood an instance of the affect of Ideal employee.
The required details for ideal worker in given paragraph
The idea of the right employee includes a clear, relentless dedication to paid paintings. Working lengthy hours and now no longer permitting distractions outdoor the paid paintings surroundings to intervene with the job, inclusive of own circle of relatives and private sides of existence, frequently exemplify a great employee's dedication to paid paintings performance.
“The perfect employee is a person who works at the least 40 hours every week 12 months round. This perfect-employee norm, framed across the conventional existence styles of men, excludes maximum moms of childbearing age”.
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Taylor, a salaried employee, frequently remains overdue to finish paintings to electrify control with out greater pay. that is maximum in all likelihood an instance of the affect of Ideal employee.
The required details for ideal worker in given paragraph
The idea of the right employee includes a clear, relentless dedication to paid paintings. Working lengthy hours and now no longer permitting distractions outdoor the paid paintings surroundings to intervene with the job, inclusive of own circle of relatives and private sides of existence, frequently exemplify a great employee's dedication to paid paintings performance.
“The perfect employee is a person who works at the least 40 hours every week 12 months round. This perfect-employee norm, framed across the conventional existence styles of men, excludes maximum moms of childbearing age”.
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4- different products will stay in each stage of the product life-cycle for varying amounts of time. a. true b. false
This statement is true
What is product life cycle?
The Product Life Cycle (PLC) describes the phases that a product goes through when it enters, establishes itself, and exits the market. To put it another way, the product life cycle outlines the phases that a product is likely to go through. For managers, it is a great tool to aid in the analysis and creation of strategies for their products as they enter and leave each stage.
The Product Life Cycle Stages
The following four phases make up the product life cycle:
Introduction Growth Maturity DeclineAccording to the question:
The process a product goes through from the time it is first introduced to the market until it decreases or is removed from the market is known as the product life cycle. The four stages of the life cycle are initiation, growth, maturation, and decline
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depreciation expense is added back to net income in calculating operating cash flows.
Under the indirect method, since net income is a starting point in measuring cash flows from operating activities, depreciation expense must be added back to net income.
Depreciation is accordingly the decrease in the fee of property and the approach used to reallocate, or "write down" the cost of a tangible asset (which includes the device) over its useful existence span. organizations depreciate long-term assets for both accounting and tax purposes. The lower the price of the asset influences the balance sheet of a business or entity, and the approach of depreciating the asset, accounting-clever, impacts the internet profits, and therefore the income assertion that they record. typically, the cost is allocated as depreciation expense for most of the intervals in which the asset is expected for used.
Techniques of computing depreciation, and the durations over which belongings are depreciated, may additionally range between asset sorts in the equal business and may vary for tax purposes. these may be unique by way of regulation or accounting requirements, which can also range by the united states. There are several standard strategies for computing depreciation cost, together with fixed percentage, direct line, and declining balance techniques.
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Which of the following is NOT a characteristic of an NGO?
A. Educate the general public
B. Encourage consumers to protest
C. File cases in consumer courts for the purpose of general interest.
D. Profit making
The answer that best fits the question is (D), which states that making a profit is NOT a trait of an NGO.
NGO—what exactly do you mean?NGOs were originally referred to as such in Section 28 of the 1945 Charter of the recently established United Nations. While NGOs do not have a set or official definition, they are typically thought of as nonprofit organizations that are unaffected by political control (although they may receive government funding).
What is the primary goal of an NGO?The role of an NGO is to engage on all advocacy, social, environmental, and human rights issues. They actively work to advance and enhance the political and cultural climate of the society.
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why is business-to-consumer e-commerce convenient? a. shoppers can purchase online any time they want. b. bricks-and-mortar stores remain open longer. c. it's easier for customers to drive to the store's location. d. consumers can schedule a call to ship products.
Business-to-consumer e-commerce convenient is option (A), shoppers can purchase online any time they want.
Business-to-consumer or Direct to consumer is the business model of selling products directly to customers and thereby bypassing any third-party retailers, wholesalers, any other middlemen.
The benefit of business-to-consumer in the e-commerce models, choose from wide range of goods and services, enjoy simplicity and comfort, through B2C save money and time.
In the e-commerce convenient for buying goods or services without creating physical limitations. It requires just a few clicks from the comfort of your home to gain the merchandise.
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Cakes, cookies, pastries and donuts are considered "empty" calories at all stages of life. These should be limited to how many calories (or less) per day?
500 calories
1000 calories
200 calories
None of the choices are correct.
Cakes, cookies, pastries and donuts are considered "empty" calories at all stages of life. These should be limited to 200 calories. Option C.
What is meant by calories?Energy is measured in calories. Calories in nutrition relate to the energy that humans obtain from the food and liquids they consume as well as the energy they expend when engaging in physical activity.
On every food package, the nutritional information includes a list of calories. Many diet plans for losing weight include cutting calories.
The health of humans depends on calories. The secret is getting the appropriate dosage.
Depending on their age, size, and degree of exercise, each person needs a different quantity of energy every day.
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peachtree company borrows $27,000 from the local bank at 9% interest. the term of the note is 5 years, and the annual payments remain constant at $6,941. determine the decrease in notes payable that peachtree company should record in the first year.
The party who borrows money in a note payable is known as the. Both the maker and the issuer.
The time period "the" refers to the person who borrows cash in a be aware payable. the creator in addition to the provider. the person who problems or creates the be aware is the one who borrows cash. On September 1, 2013, Warren enterprise took out a $20,000 mortgage from the countrywide financial institution. Warren agreed to pay yearly hobby at a rate of 6%.
If the marketplace and settlement interest rates are same, a bond will promote at par value. If the contract charge is much less than the market price, the bond will sell at an quantity less than face (that is called a discount).
hobby bills growth interest sales. hobby bills lessen profits tax cost.
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describe a mechanism by which an operating system can enforce limited transfer of capabilities. that is, process a might transfer a capability to process b, but a wants to prevent b from transferring the capability to any other processes.
An operating system can impose the limited transmission of capabilities through confinement. For instance, Process A might transfer a capacity to Process B, but Process A wants to stop B from transferring the capacity to any other processes.
What is operating system?A form of system software called an operating system (OS) provides fundamental services to other software programs while managing the utilization of computer hardware and software resources.
Time-sharing operating systems schedule tasks to take full advantage of the system's resources. Additionally, they might have accounting software to divide out the cost of processing time, mass storage, printing, and other resources.
Although application code is typically run directly by hardware and frequently makes system calls to an OS function or is interrupted by it, the operating system serves as a bridge between software and the hardware of the computer, including memory allocation and input and output.
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the price elasticity of demand for a rental home in luxury resorts in the summer is 1.25 and is 2.25 in the spring. if luxury resorts faces a constant marginal cost of $500 per home rental, what is the profitmaximizing off-peak load price to charge in the spring?
P=975 is is the profitmaximizing off-peak load price to charge in the spring
What is price elasticity?Price elasticity of demand measures how much a product's consumption changes in response to price changes. The market's reaction to price changes is measured by something called price elasticity. Elasticity plays a crucial role in pricing decisions since it enables us to determine if raising or reducing prices will allow us to meet our pricing goals.
A good or service's responsiveness to supply following a change in its market price is measured by its price elasticity of supply. Basic economic theory states that when a good's price grows, so will its supply.
P-MC/P = 1/2.60
P-500/P = 1/2.60
2.60P - 1560=p
1.60p=1560
p=1560/1.60
p=975
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All of the following are needed for the calculation of straight-line depreciation except:
a. cost
b. residual value
c. estimated life
d. units produced
Units produced is not needed for the calculation of straight-line depreciation.
With straight-line depreciation, an organisation may spread the cost of a fixed asset over the time it will be used to generate value. Correct depreciation has an impact on a company's income statement, balance sheet, profitability, and net assets. Straight line depreciation is calculated by multiplying the asset's cost by its estimated salvage value divided by the asset's anticipated useful life. Where: The cost of the asset, including any associated capital expenditures, is the asset's initial purchase price or construction cost.
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when a firm has fixed operating costs, operating leverage is present. in that case, an increase in sales results in a more-than-proportional increase in ebit, and a decrease in sales results in a more-than-proportional decrease in ebit.
Operating leverage is a measure of a company's fixed costs as a percentage of its overall costs. The breakeven point of a business and the anticipated profit margins on particular sales are determined using this formula. The above statement is True.
How does a firm's risk rise as a result of operating and financial leverage?
Higher fixed costs result in higher operating leverage, which increases sensitivity to changes in revenue. Since it suggests that existing profitability is less certain going forward, a far more sensitive operating leverage is regarded as riskier.
Operational leverage exists when a company's operating costs are fixed. Then, a rise in sales causes a more-than-proportional rise in ebit, and a fall in sales causes a more-than-proportional fall in ebit.
Therefore, when a firm has fixed operating costs, operating leverage is present.
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you currently have $5,500. first united bank will pay you an annual interest rate of 9, while second national bank will pay you an annual interest rate of 10.1. how many fewer years must you wait for your account value to grow to $14,800 at second national bank?
Time that is needed to pass before your account value at Second National Bank increases to $14,800 is 1.2 years
According to the given information
We use the formula:
A = P(1+r/100)^n
where
A = future value
P = present value
r = rate of interest
n = time period.
First United Bank
14800 = 5500*(1.09)^n
(14800/5500) = (1.09)^n
Taking log on both sides;
log (14800/5500) = n*log 1.09
n = log (14800/5500)/log 1.09
= 11.49 years(Approx)
Second National Bank:
14800 = 5500*(1.101)^n
(14800/5500) = (1.101)^n
Taking log on both sides;
log (14800/5500)=n*log 1.101
n = log (14800/5500)/log 1.101
= 10.29 years (Approx)
Hence
Fewer years to wait
= 11.49-10.29
= 1.2 years (Approx)
Time that is needed to pass before your account value at Second National Bank increases to $14,800 is 1.2 years
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9 What is NOT true about Zenefits? a) Its example illustrates some of the problems that start-ups face when growth is too rapid. b) The exponential growth of its employees in such a short time wound up presenting major operational issues c) While it started working solely with small business, the company only started seeing significant profit when it made the decision to sell to much larger businesses. d) Many of the issues that it experienced were through lack of training and improper licensing of employees, especially salespeople and agents.
The correct A. Illustrates some of the problems that start-ups face when growth is too rapid, American business Zenefits provides cloud-based software as a service.
Zenefits was a firm that embodied everything Silicon Valley loved. Its originator was a visionary. It took on a staid sector that was ready for change. It had a consistent income source from the outset because to the recurrent commissions. And Zenefits was the pioneer in the field of health insurance software, serving as the Lyft to its rivals' Uber. Some of Zenefits' staff members who lacked the necessary licences operated as benefits counsellors rather than salespeople. To Sacks, they reported up the food chain. Sacks claims that until everything else came to light, he was unaware of their licence issues.
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Which of the following correctly explains the effect of a variable on the labor demand curve?
A. If the wage increases, then the labor demand curve will shift to the right.
B. If the quantities of other inputs increase, then the labor demand curve will shift to the left.
C. If the price of the product increases, then we will move down the labor demand curve.
D. If human capital increases, then the labor demand curve will shift to the right.
E. If the number of firms in the market increases, then we will move up the labor demand curve.
The labor demand curve will move to the right to reflect the effect of a variable if human capital rises.
An employer faces a downward sloping demand curve for output if it does not sell its produce in a perfectly competitive industry. This implies that the firm must cut its price in order to sell more of its output. This is true regardless of whether the company is a monopoly, oligopoly, or monopolistically competitive. In this instance, the marginal revenue—rather than the price—is the value of each additional unit of output sold. This implies that the marginal revenue, rather than the price, determines the worth of a worker's product. As a result, the marginal revenue product, often known as the marginal revenue product, is the demand for labor.
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Content and process are perspectives onO culture. O behaviors. O attitudes. O motivation Margot is a third grade teacher who spends time each afternoon tutoring students who need a little extra guidance. Margot also volunteers to read to the residents at a nursing home. Margot seems to seek rewards O extrinsic O valence O affiliationO intrinsic
Quite possibly of the most major problem confronting schools today is tracking down suitable ways of supporting educators who are as yet staggering from the pressure added to their positions by the Coronavirus pandemic.
There are several causes of this issue. First, despite receiving funds from the CARES Act and ESSER I and II, numerous school districts are still attempting to use those funds in a manner that will provide teachers and students with genuine and long-lasting support. In addition, there is a high rate of teacher turnover, which indicates that there are frequently insufficient experienced teachers to provide outside-of-the-classroom interventions for students—interventions that are essential for reducing teacher stress themselves. Students' academic performance and social-emotional development can also be harmed by a lack of support.Most importantly, there are now more students in public schools than ever before who require individualized learning support. Teachers who strive to make lessons accessible to all students face additional challenges as a result. In any case, there will be understudies who need additional help.
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when a company exports to one country, licenses to another, has a joint ownership venture in a third, and owns a subsidiary in a fourth, it likely will create a(n) to handle its international activity.
In a joint venture (JV), two or more businesses decide to combine their resources in order to fulfill an enumerated goal. They are a partnership in the colloquial sense of the word but can take on any legal structure.
business organisation is likewise the efforts and sports of a person who is producing objects or presenting offerings with the reason to promote them for profits. organization Definition. commercial business enterprise refers to an enterprising entity or agency that consists of out professional sports. they will be commercial, commercial, or others.
A business company can earn a income for the products and offerings it offers. The word enterprise comes from the word busy, and method doing matters. it works on normal basis.
business organisation is the exercise of creating one's living or making a living by means of generating or shopping for and selling products. it is also "any interest or commercial enterprise business enterprise entered into for profits."
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a cost that changes in direct relationship to changes in an operation's sales volume is a a. variable expense. b. non-controllable expense. c. fixed expense. d. controllable expense.
The Correct option is A. A cost that changes in direct relationship to changes in an operation's sales volume is a variable expense.
Variable charges are fees that exchange as the quantity of the good or service that a business produces adjustments. Variable fees are the sum of marginal prices over all devices produced. They can also be taken into consideration normal costs. fixed expenses and variable fees make up the two components of the total cost.
Direct fees are prices that could easily be related to a specific value item. however, now not all variable costs are direct fees. as an instance, variable production overhead costs are variable prices that might be oblique expenses, now not direct fees. Variable fees are every now and then referred to as unit-stage fees as they range with the variety of devices produced.
Direct exertions and overhead are regularly referred to as conversion value, at the same time as direct cloth and direct hard work are often known as a top fee.
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which term refers to the practice of paying to have a product appear favorably in a television show or movie? group of answer choices interactive promotion brand association product placement market recognition
Product placement, also known as embedded marketing, is a marketing technique where references to specific brands or products are incorporated into another work, such as a film or television program, with specific promotional intent.
advertising and marketing is the activity, set of institutions, and approaches for growing, speaking, handing over, and exchanging services that have fee for customers, customers, companions, and society at massive. it's miles, in brief, an motion taken to carry attention to a commercial enterprise' offerings; they may be bodily items for sale or services presented. common examples of advertising and marketing at work include television advertisements, billboards on the side of the road, and mag advertisements.
The significance of marketing in your enterprise is that it makes the customers aware about your products or services, engages them, and helps them make the shopping for decision. furthermore, a marketing plan, part of your business plan allows in creating and keeping call for, relevance, reputation, competition, and so on.
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true or false: cost of goods sold must be adjusted to a cash number because the cost of merchandise sold may be more or less than the amount of cash paid to suppliers during the period.
It is true that cost of goods sold must be adjusted to a cash number because the cost of merchandise sold may be more or less than the amount of cash paid to suppliers during the period.
The directly attributable of producing its products that a business sells are referred to as its cost of goods sold (COGS). The price of the labor and materials directly employed to make the good are included in this sum. It doesn't include indirect expenditures such as those connected with the sales staff and distribution.
As a company's net income is calculated by subtracting Cost of goods sold from its revenues, Cost of goods sold is a crucial financial statement statistic. The gross profit is an indicator of profitability that assesses how effectively a business manages its workers and resources during the production process. COGS is accounted for as a commercial expense in the income statement because it is a cost of doing business.
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the process of identifying all the categories of inputs that are part of the problem the program is meant to solve is known as
The process of identifying all the categories of inputs that are part of the problem the program is meant to solve is known as object-oriented analysis.
Object-oriented evaluation is a way for viewing the interaction of facts and manipulations of data this is based totally on the object-orientated programming paradigm. object-orientated analysis and design is a technical method for reading and designing a utility, gadget, or commercial enterprise through applying item-orientated programming, as well as the usage of visible modeling throughout the software program development manner to guide stakeholder communique and product great.
the primary difference between structured and item-oriented programming is that based programming allows growing an application using a fixed of modules or features, even as object-oriented programming lets in constructing an application with the use of a set of objects and their interactions.
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a(n) has customer demand for the shares determining the number of shares outstanding. a.general partnership b.limited partnership c.open-end d.reit e.closed-end mutual fund
The correct answer is c. open-end.
How many shares of a company's stock should be in circulation?Many experts advise starting with 10,000 shares, but businesses can allow as few as one. Owners can apply for more approved stocks at a later date, even if 10,000 would seem prudent. Business owners should often pick a number that includes both the stocks that will be issued and those that will be reserved.
How can you tell whether a fund is closed ended or open ended?An investment business will offer a predetermined number of shares of a closed-end fund through an IPO. Open-end funds are provided by a fund business that sells shares to investors directly, which is what most people think of when they hear the term "mutual funds."
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An increase in aggregate demand results in a(n) _____ in the _____.
a. recession, long run
b. expansion, long run
c. expansion, short run
d. recession, short run
Option C is correct. An increase in aggregate demand results in a(n) expansion in the short run.
The costs of labor and products are the principal driver of organic market in the economy. However, the converse is likewise evident: changes in organic market influence the cost of labor and products. The link between aggregate demand and general price levels is not necessarily clear or direct. Notwithstanding, in the most broad sense (and under ceteris paribus conditions), an expansion in total interest relates with an expansion in the cost level.
Aggregate demand increments when the parts of aggregate demand including consumption spending, venture spending, government endlessly spending on sends out less imports-rise.
Aggregate demand is a economic measurement of the all out amount of completed labor and products that are requested in an economy. This estimation is communicated as the aggregate sum of cash traded for those labor and products at a particular value level and moment.
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early views of management were focused on efficiency at the expense of attention to the manager as a leader. in this view, what were the general roles or responsibilities a manager was thought to have as opposed to how we view leaders today? select all that apply.
Early conceptions of management largely emphasised efficiency. In essence, a manager is a foreman who guides labourers to achieve projects or goals that have been set in advance.
Who were the pioneers in the field of management education?One of the first proponents of management theory was Frederick Winslow Taylor. He wrote The Principles of Scientific Management in 1909 while working as a mechanical engineer. His philosophy advocated for the simplification of jobs at its most fundamental level. He argued that simplicity would increase production.
What is management's primary role?Every manager performs planning as their main management task.
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if the money multiplier is 3 and the fed buys $50,000 worth of bonds, what happens to the money supply?
Borrow more from the Fed and lend more to the public. it increases by $150,000.
i-e. It increases by a maximum of
$150,000
The increase in money
supply = money multiplier x Bond price
3X 50,000
$1,50,000
The answer is option "a"
What is meant by money supply?
The money supply is the total amount of money—cash, coins, and balances in bank accounts—in circulation. The money supply is commonly defined to be a group of safe assets that households and businesses can use to make payments or to hold as short-term investments.
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Full Question : If the money multiplier is 3 and the Fed buys $50,000 worth of bonds, what happens to the money supply?
a. It increases by a maximum of $150,000.
b. It decreases by a maximum of $200,000.
c. It increases by a maximum of $100,000.
d. It decreases by precisely $100,000.
antitrust laws allow the government to a. collect revenues through the antitrust tax. b. break up companies. c. purchase privately-held companies through eminent domain. d. all of the above are correct.
Antitrust laws allow the government to: break up companies.
A government is the gadget or group of people governing an organized community, commonly a kingdom.
A government is an organization or a gadget manufactured by a set of human beings that takes care of or manages a country or a country. each government has its personal constitution or a fixed of fundamental standards that it follows to ensure powerful governance. a central authority is a group through which leaders exercise electricity to make and implement legal guidelines. a central authority's basic functions are imparting leadership, keeping order, imparting public offerings, supplying national safety, presenting financial protection, and providing monetary assistance.
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shrinkage is part 2 a. liquid inventory. b. the decrease in inventory levels resulting from cycle counting. c. retail inventory that is unaccounted for between receipt and sale. d. a small amount of theft.
c. retail inventory that is unaccounted for between receipt and sale.
inventory (American English) or inventory (British English) refers to the products and materials that a commercial enterprise holds for the final purpose of resale, manufacturing or utilisation. stock control is a field usually approximately specifying the form and site of stocked goods. it's far required at one-of-a-kind places within a facility or inside many places of a supply community to precede the normal and deliberate direction of production and stock of materials. The concept of inventory, inventory or paintings in technique (or paintings in progress) has been prolonged from manufacturing systems to provider groups and projects.
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Which type of account is best?O Certificate of Deposit (CD)
O Money Market Account
O Savings Account
O Checking Account
The type of account is best Savings Account.
Which account type is ideal?These are the finest kinds of bank accounts to use for retirement savings because they let you invest your money in the stock market, which offers the chance for higher returns than deposits in other kinds of bank accounts.
Money market accounts or CDs: which is preferable?Certificates of deposit (CDs) and money market accounts (MMAs) are two examples of interest-bearing savings accounts that are federally insured. Their costs and levels of accessibility, however, vary. Money is not accessible until the term is over with CDs, which often offer greater rates than money market accounts.
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