In general, it is true that during times of economic instability, individuals are more prepared to take money in exchange for products and services.
How can it be explained in detail?This is so that individuals are less likely to invest in riskier assets like stocks or real estate during periods of economic volatility and are more likely to hang on to cash or other types of money. To guarantee that they can continue to make money under such circumstances, firms can also become more open to accepting other payment methods, including cash.
It is also accurate to use the example of US dollars as a unit of currency. The United States and many other nations across the world accept U.S. dollars as a common form of payment. As they are backed by the U.S. government's full faith and credit, they are regarded as a generally stable and trustworthy kind of money.
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would a depositor prefer an apr of 8% with monthly compounding or an apr of 8.5% with semiannual compounding? group of answer choices 8.0% with monthly compounding 8.5% with semi-annual compounding the depositor would be indifferent the time period must be known to determine the preferred rate
The effective annual rate for the 8.5% APR with semiannual compounding is higher than the effective annual rate for the 8% APR with monthly compounding.
Therefore, a depositor would prefer an APR of 8.5% with semiannual compounding over an APR of 8% with monthly compounding, all else being equal. To compare these two interest rates, we need to use a common measure of the effective annual rate (EAR). The EAR takes into account the effect of compounding over the course of a year.
For the 8% APR with monthly compounding, the periodic interest rate would be 8%/12 = 0.6667% per month. Using the formula for EAR, we can calculate: EAR =[tex](1 + periodic interest rate)^number of compounding periods - 1[/tex]
= [tex](1 + 0.6667%)^12 - 1[/tex]
= 8.30%
For the 8.5% APR with semiannual compounding, the periodic interest rate would be 8.5%/2 = 4.25% per six months. Using the same formula for EAR, we can calculate: EAR = (1 + periodic interest rate)^number of compounding periods - 1
= [tex](1 + 4.25%)^2 - 1[/tex]
= 8.61%
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in 1990 approximately people were killed each year due to crashes as compared to approximately in recent years. a) 600; 200 b) 2,000; 1,500 c) 45,000; 30,000 d) 100,000; 300,000
According to data from the National Highway Traffic Safety Administration (NHTSA), the number of annual crash fatalities in the United States has significantly decreased in recent years.
In 1990, the number of annual crash fatalities was approximately 100,000. This number has decreased over time as a result of improvements in vehicle safety, increased use of seat belts, and other safety measures. In recent years, the number of annual crash fatalities in the United States has been approximately 35,000 to 40,000. While this is still a significant number of fatalities, it represents a substantial improvement from the 1990s. The decrease in crash fatalities can be attributed to a number of factors, including advancements in vehicle safety technology, increased awareness of the importance of seat belt use, and improvements in road design and infrastructure. For example, the widespread adoption of airbags, anti-lock braking systems, and electronic stability control has helped to reduce the severity of crashes and prevent fatalities. Additionally, campaigns to promote seat belt use and discourage distracted driving have raised awareness of the importance of safe driving practices. Despite the decrease in crash fatalities, crashes still have a significant impact on society. In addition to the loss of life, crashes can result in serious injuries, property damage, and economic costs. According to the Centers for Disease Control and Prevention (CDC), the annual cost of motor vehicle crashes in the United States is more than $75 billion. As a result, efforts to improve road safety and reduce crashes remain a key priority for policymakers and safety advocates. Strategies to reduce crashes include increasing the use of automated safety technologies, improving road infrastructure, and promoting safe driving behaviors through education and awareness campaigns.
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suppose the price of cheese has recently increased, making it more expensive to make pizza. it has also caused an increase in the price of cheese bread, a complement in consumption of pizza. what is likely to happen to the market for pizza as a result of these price changes?
The market for pizza is likely to decrease due to the increased price of cheese and cheese bread. Consumers may opt to purchase other foods that have not been affected by the price increase, instead of spending more money on pizza. This could lead to a decrease in demand for pizza, and therefore a decrease in the market for pizza.
The market for pizza may experience a decline as a result of the rising price of cheese and cheese bread. Consumers may choose to purchase other items that are not subject to this price increase, rather than paying more for pizza. This could lead to a decrease in the demand for pizza, and a consequent decrease in the market for pizza.
Additionally, with more people becoming health-conscious and avoiding processed foods, the demand for pizza may also decrease.
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whenever technology advances, an economy can produce more output with multiple choice more resources. no resources. current resources. fewer resources.
Whenever technology advances, an economy can produce more output with current resources. Prosperity depends on the more efficient productivity of more and better goods and services, which is made possible by technological advancement. The answer is OPTION C.
Natural resource supplies can sometimes grow as a result of technology advancements. However, technical advancements more generally lead to an increase in the productivity of labour, capital, and other resources. Total factor productivity is the output of all factors' combined inputs. Human resources, like labour and management, and nonhuman resources, such land, capital goods, financial resources, and technology, are two categories of economic resources.
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All of the following are included in the decision-making metric except:_____.
a. the admired observer test.
b. the legality test.
c. the moral mentor test.
d. the publicity test.
e. the transparency test.
The admired observer test is not included in the decision-making metric. It is a concept used to evaluate the ethicality of an action by imagining how an admired observer would view the action.
The admired observer test is not included in the decision-making metric. This test is a concept used to evaluate the ethicality of an action by imagining how an admired observer would view the action. It involves asking oneself if they would be proud to tell their role model or someone they admire about the action they are about to take. However, it is not considered a formal or widely recognized part of the decision-making process. The other options listed, such as the legality test, moral mentor test, publicity test, and transparency test, are all commonly used ethical decision-making metrics.
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entrepreneurs notice that the market for cell phone service is profitable, so they decide to start their own service brand. what happens to the market for cell phone service today?
If entrepreneurs enter the market for cell phone service and start their own brand, it can increase the supply of cell phone service providers, leading to more competition in the market.
Entrepreneurs who enter the mobile phone service industry and establish their own brand may boost the supply of cell phone service providers, resulting in increased market competition. When suppliers compete for customers, this could result in reduced rates for consumers and higher quality service. Yet, if larger corporations buy out smaller ones, it may lead to market consolidation, thus limiting competition in the long run. Finally, the consequences on the market would be determined by a number of factors, including the success of new entrants and the response of incumbent providers to greater competition.
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5.3. why do taxes create deadweight loss in otherwise efficient markets? fill in the blanks to answer the question: what is likely to happen to consumer and producer surplus when taxes increase on smartphones?
Taxes result in deadweight loss because they discourage consumers from purchasing goods that are more expensive after the tax than they would have been without it. Deadweight loss is the loss of anything beneficial to the economy as a result of the tax. Deadweight loss is not simply caused by taxes on a product.
It is likely that consumer surplus will decrease and producer surplus will decrease
When customers pay less for a good or service than they are willing to, this is known as a consumer surplus. It measures the extra benefit that consumers get from paying less for something than they would have been prepared to.
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Laura is an RHIT who has been an HIM department director for the past five years, with much of her focus on the release of information and revenue cycle. She wants to take her career to a new level using her skills related to HIPAA and coding/reimbursement. Laura knows that her organization is in the processing of creating some new C-suite positions and she would like to be in a position to be considered for them. Perform research on the healthcare C-suite positions that are available and select two that best coincides with Laura’s skill set. Determine if Laura has the necessary AHIMA credential(s) that would correlate with the positions
In this position, Laura would collaborate with the senior leadership team and all business divisions to create an IG programme that is in line with the company's overarching business plan.
Leaders in an organisation aren't always those in higher positions. However, they are people who are respected for their morals and work ethics change. A leader is passionate about their profession, and by motivating their team, they are able to reach their goals. Self-assurance, good communication and managerial skills, creative and innovative thinking, resilience in the face of setbacks, willingness to take risks, openness to change, and composure and fast thinking in emergency situations are all characteristics of an effective leader.
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An accountant who combines accounting and investigating skills to uncover suspected fraudulent business activity, or to prevent such activity is called: _________
Forensic accountants, also known as forensic accountants or investigative auditors, combine accounting knowledge and investigative skills and leverage this unique combination in litigation support and investigative accounting settings.
Forensic accounting uses accounting, auditing, and investigative skills to examine the finances of individuals or businesses. A forensic accountant is a chartered accountant who looks for evidence of a crime and typically works for insurance companies, financial institutions, and law enforcement agencies.
Forensic accountants analyze financial records and accounts that can be used as legal evidence and often testify as expert witnesses in court. They handle cases such as fraud and embezzlement and can explain the nature of financial crimes in court. Forensic accounting is a combination of accounting and investigative techniques used to detect financial crimes.
A forensic accountant explains to the court the nature of financial crimes. Forensic accountants track funds, identify and recover assets, and perform due diligence. Forensic accounting is used in the insurance industry to determine loss.
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At the end the accounting period, adjusting entries are required. Place the steps in the adjustment process in the correct order.
- Record and post adjusting entries
- Use the unadjusted trial balance to determine the accounts requiring adjustment
- Prepare financial statements
- Prepare an adjusted trial balance to check the equality of the debits and credits
- Record closing journal entries and post to the accounts
- Prepare a post-closing trial balance
Use the trial balances to identify the accounts that need to be adjusted, record those adjustments, and then, after posting the adjusting entries, make preparations a trail balance to verify debits and debits are equal.
What does trial balance mean?Businesses use a trial balance, which is a list of both credit and debit entries, to domestically audit their dual accounting systems. In order to determine whether any records have really been made in the incorrect account and to make sure that the total of all debits and credits equals one another.
What does a trial balance * serve?A balance sheet is primarily used to check the accuracy of the general ledger's list of credits and debit entries.
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as a manager at a bank how would you interpret this information a. industry regulation b. public communications c. public boycott d. media advocacy
As a manager at a bank I would you interpret this information as-
1. Industry regulation - These ae the rules which directly impact the industry in which person is associated with in this case banking industry so it is important to check that bank is in compliance with all the legal and financial regulations.
2. Public communication - As a bank manager it is important to ensure that all the information which bank gives must be truthful whether it is propagated through advertisement or social media. It is also important to takes all the concern of customers of bank.
3. Public boycott - This situation arises when customers or group of shareholders boycott the bank, then as a manager it become very important to listen their demand and suggestions.
4. Media advocacy - Media is important factor in banking industry. It is paramount for manager to maintain a good image of bank in eyes of media to refrain bank from bad image in public.
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consumers most often use ____ when purchasing low-cost, frequently purchased products.
Consumers most often use routine response behavior when purchasing low-cost, frequently purchased products.
When making purchasing decision, there are some factors that influence the customers decisions. The study to understand these factors is called customer behaviors. There are few types of customer behaviors, such as:
Routine responseLimited decision-makingExtensive decision-makingImpulsive buyingRoutine response behavior involves making quick and automatic decisions based on past experiences and familiarity with the product. Consumers do not spend a lot of time or effort researching or comparing options for these types of products, as they are typically low-risk and low-involvement purchases. Routine response behavior depends heavily on brand recognition and repetitions.
Limited decision-making involves occasional buying decision with some research and little amount of pre-purchase thought.
Extensive decision-making occurs when the purchased product has a great impact for the buyer's life. Big financial investment is the major example of this type of decision. Buyer will spend a great efforts and time on researching the potential products before making a decision.
Impulsive buying happens when the purchasing activity is impulsive. A customer buys a product on a whim and without any thought. This kind of buying is mostly irrational and in the moment.
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When the text states that marketers need to create tools for ongoing, meaningful measurement of marketing productivity, it is referring to the need for __________.
Multiple Choice
subjectivity
visibility
accountability
identification
responsibility
The text states that marketers need to create tools for ongoing, meaningful measurement of marketing productivity, it is referring to the need for accountability.
Marketing productivity refers to a measure of profit responsiveness by segment to different levels of marketing investment. Marketers need to create tools for ongoing, meaningful measurement of marketing productivity, it is referring to the need for accountability.
This is because marketers need to be able to measure the effectiveness of their marketing efforts in order to make informed decisions about how to allocate resources and improve marketing strategies. By creating tools for ongoing measurement, marketers can ensure that they are held accountable for the success or failure of their marketing efforts and can make adjustments as needed to improve marketing productivity.
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why does a bond with more maturity have greater interest rates risk than a bond with shorter maturity
Because bonds with shorter maturities return investors' principal more quickly than long-term bonds do.
The returns on bonds are inversely related to the interest rate prevailing in the market. This means that if the interest rates are low there will be higher returns on the bonds and if the interest rates are high the returns in the bond market will be low. Bond with longer maturity dates are more susceptible to interest rate fluctuation in the market and carry greater risk as compared to bonds that have Because bonds with shorter maturities return investors' principal more quickly than long-term bonds do.
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Answer:
Bonds with longer maturity periods generally have greater interest rate risk than bonds with shorter maturity periods, because they are exposed to changes in market interest rates over a longer period of time. Bonds with shorter maturity periods are less sensitive to changes in the market, and therefore have less interest rate risk.
sidewinder, inc., has sales of $516,824, costs of $337,619, depreciation expense of $73,095, interest expense of $31,883, and a tax rate of 21 percent. the firm paid out $39,272 in cash dividends. what is the addition to retained earnings?
$516,824, costs of $337,619, depreciation expense of $73,095, interest expense of $31,883, and a tax rate of 21 percent. the firm paid out $39,272 in cash dividends, the addition to retained earnings is $39071.
The formula for calculating the retained earnings = Net tncome-dividends = sales-costs- depreciation-interest-taxes= 516824-337619-73095-31883-(21%x516824)=78343 = 78343-39272=39071.The addition to retained earnings is the amount of money that a company adds to its reserves from profits generated from its current operations.
This amount is calculated by subtracting the cash dividends paid out from the net income of a company. In this case, the firm had sales of $516,824, costs of $337,619, depreciation expense of $73095, interest expense of $31883, and a tax rate of 21%.
After calculating the net income of the company, the cash dividends paid out were then subtracted from it to arrive at the addition to retained earnings, which in this case is $39,071.this amount is used to reinvest in the business to help the company grow and prosper in the future.
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in organizational buying, objective attributes of a supplier's products and the capabilities of the supplier itself are known as .multiple choice question.
In organizational buying, objective attributes of a supplier's products and the capabilities of the supplier itself are known as Qualification criteria. So the option D is correct.
Qualification criteria are the criteria used by an organization to evaluate potential suppliers and their products. They are based on objective attributes of the supplier and its products, such as price, quality, reliability, delivery, and customer service.
Qualification criteria can also include other factors, such as the supplier’s financial stability, its track record, and its ability to provide innovative solutions. Organizations use qualification criteria to identify and select the best supplier for their needs.
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The complete question is:
In organizational buying, objective attributes of a supplier's products and the capabilities of the supplier itself are known as .multiple choice question.
A. Tangible attributes
B. Intangible attributes
C. Qualitative attributes
D. Qualification criteria
What type of speech does not receive First Amendment protections? Choose 3 answers. speech that incites lawlessness obscenity unpatriotic speech threats to the president of the United States
Speaking in a way that will soon result in illegal behaviour is not protected by the First Amendment. This type of discourse must be addressed to a particular individual or group. It must be a clear command to take quick, illegal action.
What does First Amendment protect?According to the First Amendment, Congress cannot enact laws that restrict the free exercise of religion or that regard religion as an establishment. It safeguards the rights to free expression, the press, assembly, and the filing of complaints with the government. Speech that encourages impending illegal activity is not protected by the First Amendment. A single individual or group must be the target audience for this type of discourse. It must be a clear command to take unrestrained, unlawful conduct right away. The speech must be anticipated to actually result in illegal behaviour.
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laverne and shirley are moving and are no longer going to be roommates. they need to divide the dining room furniture set they purchased together. using the method of sealed bids, laverne bids $2,264 and shirley bids $1,224 for the set. since laverne's bid is higher, she gets the furniture. how much will she have to pay shirley in order to keep the division fair?
Laverne will have to pay Shirley $1,020 in order to keep the division fair.
What is the fair?A fair is an event where people come together to buy and sell goods, products, and services. It is a gathering of people with similar interests and goals. Fairs are often held on a regular basis and attract people from a wide area. Products and services sold at a fair can include food, clothing, and crafts. Some fairs may also have rides, carnival games, and other forms of entertainment. Fairs are usually held outdoors and typically last for several days. They are a great way for individuals and businesses to get together, network, and make money.
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serving the financial division of the government is the primary responsibility of the
Through its own offices and the commercial banks—public and private—appointed as its agents, RBI manages the overall banking operations of the governments.
What are the four functions of the RBI as a regulator?The RBI Act of 1934 gave birth to RBI on April 1, 1935. Banker's bank, custodian of foreign reserves, controller of credit, and management of the printing and supply of currency notes in the nation are some of the key responsibilities of RBI. "to regulate the issue of Bank notes and maintaining of reserves with a view to securing macroeconomic stability in India and usually to operate the currency and credit system in this country to its benefit; to have a modern monetary policies to meet the task of an increasingly complex economy, to maintain the country's currency and credit system to its stability.
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the eternal gift insurance company is offering you a policy that will pay you and your heirs $10,000 a year forever. the cost of the policy is $285,000. what is the rate of return on this policy if the payment starts today?
3.51% is the rate of return on this policy if the payment starts today.
What is the solution of the question?Perpetual cash inflow to legal heirs= $10000
Cost of the policy = $285000
The fair cost of the policy is the present value of all the future inflows from the policy. The present value of perpetual inflows can be computed as follows: = cash inflow/ rate of return.
Hence, 285000 = 10000/ rate of return
i.e. rate of return = 10000/285000
i.e. rate of return =0.03508771929
i.e. rate of return = 3.508771929%
i.e. rate of return = 3.51% (rounded off)
Thus, 3.51% is the rate of return on this policy.
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u.s. riots may cause you to think about in the u.s. which is likely to the probability that you will want to do business in the u.s. t/f
It might be difficult to tell if someone is being sincere when their actions have hidden motives.
What are the two diseases that are most common in the United States?
One in five adults in America will experience a mental illness at some point in their lives, according to the National Alliance of Mental Health. Presently, about 10 million Americans experience a severe mental disease. Bipolar disorder, major depressive disorder, and anxiety disorders are the most common.
Who is competent to use the DSM?
Given the importance of general medical knowledge in making an appropriate mental diagnosis, the correct use of this manual is for psychiatrists to certify the official diagnosis. The exception would be the thoroughly screened and qualified staff of the American Board of Psychiatry and Neurology.
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how corporations are designated changes depending on where the corporation is doing business. when a corporation is in the state in which it is incorporated it is known as a(n) .
The correct answer is No, whenever a corporation changes its purpose significantly, it must always amend or renew its charter.
A partnership is a company that is owned by two or more people and operates with the goal of turning a profit. A legal entity, the company is structured in accordance with the legislation of the state in which it is created. Owners and the company organisation are distinct entities. A corporate charter, usually referred to as a "charter" or "articles of incorporation," is a written instrument that the founders of a corporation file with the Secretary of State (or registrar in Canada). It describes a company's primary elements, including its goals, organisational structure, and anticipated activities.
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what determines how much an annuitant is paid for a variable annuity
The amount an annuitant is paid for a variable annuity is determined by the performance of the underlying investments chosen by the annuitant. If the investments perform well, the annuitant will receive higher payments. If the investments perform poorly, the annuitant will receive lower payments.
Therefore, the performance of he underlying investments is the key factor that determines how much an annuitant is paid for a variable annuity. When the annuitant chooses to annuitize the contract, the insurance company will use a formula to calculate the payout amount based on the contract terms and the value of the account. The payout may be a fixed amount or may be variable based on the performance of the investments. Some of the factors the may affect the payout amount include the annuitant's age, the length of the payout period, the amount of the premium payments, the investment options selected, and any guarantees or riders included in the contract. It's important to note that variable annuities are complex financial products and may not be suitable for all investors. Before investing in a variable annuity, it's important to fully understand the features and costs of the product, as well as the potential risks and benefits.
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the natural rate of unemployment is the unemployment rate when:______.
The lowest degree of unemployment caused by actual or voluntary economic factors is known as natural unemployment, often known as the natural rate of unemployment.
Natural unemployment measures the number of persons who are jobless as a result of the labor force's structure, such as those who have been displaced by technology or those who lack the necessary skills to find employment. The rate of unemployment that would be present in a thriving and healthy economy is known as the natural rate of unemployment. In other words, cyclical unemployment is not included in the natural rate of unemployment; only frictional and structural unemployment are.
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which one of the essential managerial tasks are managers performing when they articulate a clear vision and energize members to achieve organizational goals?multiple choice question.controllingleadingstrategizingorganizingplanning
Option B. Leading is the essential managerial task that managers are performing when they articulate a clear vision and energize members to achieve organizational goals.
Leading involves inspiring and motivating employees to work towards a common vision and goals, and providing direction and guidance to achieve them. When managers articulate a clear vision and energize members, they are providing a sense of direction and purpose for the organization, and helping to create a culture of shared values and beliefs. This can help to increase employee engagement, commitment, and motivation, and ultimately contribute to the achievement of organizational goals.
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Which one of the essential managerial tasks are managers performing when they articulate a clear vision and energize members to achieve organizational goals? multiple choice question.
A. controlling
B. leading
C. strategizing
D. organizing
E. planning
consider a situation where two gas stations located across the street from each other are charging different prices. the exxon gas station is charging 50 cents more per gallon of each type of gasoline than the shell gas station. the equilibrium can be restored if:
This situation is not an equilibrium because: increase in government spending,Since taxes reduce income, and income influences spending, the government can influence the amount of spending in the economy by changing the tax rate.
What can a government do in order to decrease peoples spending in the economy?a) The equilibrium can be restored if Exxon gas station reduces the prices. This change will achieve equilibrium.
(b) If the shell gas station reduces the prices, then the gap between the price charged by Exxon gas station and shell gas station become larger. So, this change will not be able to achieve equilibrium.
(c) If Exxon gas station increases the prices, this will also results in larger gap between price charged by Exxon gas station and shell gas station. So, this change will not be able to achieve equilibrium.
(d) If both stations reduce their prices by 50 cents per gallon, the gap remains the same. So, this change will not be able to achieve equilibrium.
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5. acme published a story about paul, and as a result paul sued acme for damage to his reputation, emotional distress, and punitive damages. paul won an award of $20,000 for damages, $5,500 for emotional distress, and $50,000 for punitive damages. what amount must paul include in his gross income?
Acme published a story about Paul and as a result Paul sued Acme for damage to his reputation, emotional distress, and punitive damages. The amount must that Paul include in his gross income is $70,000.
What is the calculation and what is gross income?Paul won an award= $20,000 for damages, emotional distress =$5,500
punitive damages = $50,000
Thus, amount Paul include in his gross income= $70,000
Gross income includes your wages, dividends, capital gains, business income, retirement distributions as well as other income. Adjustments to Income include such items as Educator expenses, Student loan interest, Alimony payments or contributions to a retirement account.
Gross pay is what employees earn before taxes, benefits and other payroll deductions are withheld from their wages.
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The duty of business to contribute to the well-being of society is called: ________
The duty of business to contribute to the well-being of society is called corporate social responsibility
A business concept called "corporate social responsibility" pushes companies to act in ways that help society and the environment rather than damage them. CSR helps to improve a lot of societal aspects as well as firms' reputations. Corporate responsibility programmes are a great method to raise morale at work. CSR is crucial for a business's reputation, ability to attract customers, employees, and investors, as well as for keeping top talent on board and attaining overall economic success. Volunteering, charitable work, ethical workplace practises, and environmental projects are the four different CSR initiatives that a firm may undertake.
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The perceived demand for a monopolistic competitor a. a. is flat b. is steep. c. disregards competitors. d. takes competitors into account.
The perceived demand for a monopolistic competitor takes competitors into account. The correct option is d.
What is the demand curve in monopolistic competition?In the case of monopolistic competition, demand is more elastic because competition is greater, i.e. products have more substitutes. As a result, the demand curve has flattened.
A monopolistic competitive market's demand curve slopes downward. This means that as the price of a good falls, so does the quantity demanded it. While this may appear to be a simple matter, the shape of the demand curve has several important implications for firms operating in a monopolistic competitive market.
Thus, the ideal selection is option d.
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Accruals recorded in the salaries and wages expense and salaries and wages payable accounts represent salaries and wages.a. Trueb. False
The statement "accruals reported in the salaries and wages cost and salaries and wages payable accounts indicate salaries and wages" is correct. Hence, it is true.
What is the definition of accruals?Accruals are revenues made or costs incurred that affect a company's net income on the income statement even when cash has not yet changed hands. Accruals have a negative impact on the balance sheet since they involve non-cash assets and liabilities.
An accrual (accumulation) of anything is the accumulation of interest or different investments over time. Accruals are adjustments that must be made before a company's financial statements are released in accounting and bookkeeping.
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