2nd option is correct. Money has purchasing power, so it can be saved and used in the future.
A store of value is an asset, commodity, or currency that retains its value without depreciating. A store of value is an asset that retains its value rather than depreciating. Gold and other precious metals are good stores of value because of their inherently unlimited shelf life.
A national currency must be an adequate store of value for the smooth functioning of the economy. A store of value is essentially an asset, commodity, or money that can be stored, accessed, and exchanged without depreciating in value. In other words, to be included in this category, the acquired item must have equal or greater value over time.
Gold and other metals are stores of value due to their inherently unlimited shelf life. Interest-bearing assets such as US Treasuries (T-Bonds) are also attractive to investors as they retain their value while generating income. Milk, on the other hand, is not suitable as a store of value because it spoils and becomes worthless.
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The tables show the spending and revenue for littleland in 2010. use the tables and other information to answer the questions that follow.
How much money (in millons) did Littleland need to borrow in 2010 to finance its government spending?
At the end of 2010 what was Littleland's debt to GDP ratio? (give your answer to the nearest whole percentage point)
What was Littleland's deficit to GDP ratio in 2010? (give your answer to the nearest whole percentage point) *Incorrect. To calculate how much Littleland needs to borrow you should compare its total spending against its total revenue.
In 2010, the Littleland need to borrow $300 million to finance its government spending. At the give up of 2010 what was Littleland's debt to GDP ratio is 52%.
The tax-to-GDP ratio is the ratio of the tax revenue of a usa compared to the country's gross home product (GDP). This ratio is used as a measure of how properly the government controls a country's monetary resources.
Tax-to-GDP ratio is calculated by dividing the tax income of a specific time duration by means of the GDP.
How is GDP ratio calculated?The debt-to-GDP ratio is a components that compares a country's complete debt to its financial productivity. To get the debt-to-GDP ratio, divide a nation's debt via its gross home product.
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https://brainly.com/question/1383956#SPJ4simply divide the interest rate by the number of ____ per year to find the interest rate per period.
simply divide the interest rate by the number of annual percentage rate (APR) per year to find the interest rate per period. So answer is annual percentage rate (APR) .
What is the annual percentage rate (APR)?An annual percentage rate, or APR, is a figure that expresses the entire cost of borrowing money each year as a percentage of the loan's principle. The APR on a loan or credit card seeks to provide a comprehensive picture of how much borrowing money will cost.
The current average APR for credit cards is around 16%, which is considered to be a respectable APR. Only credit cards with higher APRs might be available to those with poor credit. Some consumers with good credit may be able to obtain cards with APRs as low as 12%.
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amy austin established an insurance agency on march 1 of the current year and completed the following transactions during march: opened a business bank account with a deposit of $50,000 in exchange for common stock. purchased supplies on account, $4,000. paid creditors on account, $2,300. received cash from fees earned on insurance commissions, $13,800. paid rent on office and equipment for the month, $5,000. paid automobile expenses for month, $1,150, and miscellaneous expenses, $300. paid office salaries, $2,500. determined that the cost of supplies on hand was $2,700; therefore, the cost of supplies used was $1,300. billed insurance companies for for fees earned for commissions, $12,500. Withdrew cash for personal use, $3,900.
Required:
1. Indicate the effect of each transaction and the balances after each transaction. For those boxes in which no entry is required, leave the box blank. For those boxes in which you must enter subtractive or negative numbers use a minus sign.
Indicate the effect of each transaction and the balances after each transaction. For those boxes in which no entry is required, leave the box blank. If required, enter negative values as negative numbers.
During the month of March, she carried out the following transactions: opened a company bank account and put $50,000 of personal money into it. $4000 worth of materials were negative on credit. $2,300 was paid to debtors on account. An insurance agency, often known as an transaction insurance agent, is a person or business that has been granted permission by a carrier to market the insurer's goods in exchange for payment. The laws of the state where an agent works govern them. An insurance balances agent's duties include recommending various insurance products to clients and assisting them in making needs-based insurance policy selections.
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According to the textbook, which of the following is not one of the three main questions to be addressed if you wanted to start your own business? A) What long-term investments should be made? B) How many employees will I need? C) Where will long-term financing be obtained to pay for investments? D) How will everyday financial activities be handled?
A business is an organization or enterprise that is engaged in the production and sale of goods or the provision of services in exchange for money or other compensation. Starting a business typically involves several steps, including:
Idea generation and market research: This involves identifying a business idea and researching the market to determine the feasibility of the idea and the potential demand for the product or service.Business planning: This involves creating a detailed plan for how the business will operate, including financial projections, marketing strategies, and operational plans.
Financing: This involves securing the necessary funding to start and operate the business, which may include investments from friends and family, loans from banks, or funding from venture capitalists.
Legal and regulatory compliance: This involves registering the business, obtaining any necessary licenses and permits.
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economic well-being and the quality of life improve when businesses create more jobs because blank .
Economic well-being and the quality of life improve when businesses create more jobs because people can purchase more goods and services.
Three indicators of a country's financial health?GDP per person, inflation, and employment trends are examples of economic well-being indicators. such is real GDP growth by industry, real personal income per capita by state, and the distribution of personal income across families.
What economic aspects of well-being are there?Social and economic variables like money, education, work, neighborhood safety, and social supports can have a big impact on how well and how long we live. Our capacity to make healthy decisions, pay for housing and other necessities, control our stress, and other things are all impacted by these elements.
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When a manufacturer produces several products that are substitutes for one another and others that compliment these products, it should use:A. Price LiningB. Product-line pricingC. Dynamic PricingD. Yield Management
The correct answer to the given question about manufacturer produces substitutes is option b) Product Line Pricing.
To create different perceived quality levels in consumers' eyes, product line pricing entails dividing goods and services into cost groups. Price lining and product line pricing are both terms that relate to the same procedure. Product line pricing aims to optimize revenues by positioning new items at the highest price point with the greatest number of features or the most cutting-edge individual characteristics. You'll also continue to offer a base item on sale as a less expensive substitute. A product line is, in its most basic sense, a collection of linked items that differ from one another in terms of features and cost.
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one of the federal reserve tools that allows the federal reserve to stipulate the size of its member banks reserves is
One of the Federal Reserve tools that allows the Federal Reserve to stipulate the size of its member banks' reserves is the reserve requirement.
The reserve requirement is the percentage of deposits that a bank must hold in reserve, either in cash or on deposit with the Federal Reserve. The Federal Reserve can change the reserve requirement as a way to influence the amount of money banks have available to lend, and therefore, the money supply. If the Federal Reserve increases the reserve requirement, banks must hold more money in reserve, which reduces the amount of money they can lend, thereby slowing the economy. Conversely, if the Federal Reserve lowers the reserve requirement, banks can lend more money, which stimulates the economy. The Federal Reserve can also change this requirement to reduce the risk of bank runs.
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Which of the following may an owner place on the land when it's sold to limit the use of the property?
a. Charter
b. Deed restriction
c. Lis pendens
d. Subordination agreement
Deed restriction may an owner place on the land when it's sold to limit the use of the property.
What is Deed restrictions?
The usage or activities that may be carried out on property inside a subdivision are restricted or limited by deed restrictions, which are written agreements.
These limitations can be found in the county's real property records where the property is situated. One of the most typical kinds of property encumbrances is a restriction in the deed.
What does Florida's deed restriction mean?
Your ability to use your property is constrained by a deed restriction. The structures you can erect and several other uses you can have for your land may be restricted by a deed restriction.
Homeowners associations (HOAs), a sort of deed-restricted community, are frequently involved in these limitations.
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True/FalseThe Full Disclosure accounting concept is applied when a company always prepares financial statements at the end of each monthly fiscal period.
The Full Disclosure accounting concept is applied when a company always prepares financial statements at the end of each monthly fiscal period.--- False.
What is the principle of full disclosure?The idea that a company should include all relevant information in its financial statements is known as the "full disclosure principle." This is done so that people who read the statements are better prepared to make important decisions about the company.
The full disclosure principle must be adhered to in order to minimize information asymmetry between the company's management and its current shareholders, debtors, or other third parties. ensures that any information gaps do not deceive those who read and use a company's financial information.
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venus was a low-cost airline that operated in the 1990s. industry analysts state that although venus was able to provide all the services the customers wanted, it was thrown out of business because of aggressive pricing from larger airline firms. which of the following aspects of the competitive environment does this scenario illustrate?
Rivals aspects of the competitive environment does this scenario illustrate because of aggressive pricing from larger airline firms.
The process of estimating a product's or service's worth is called pricing. Pricing establishes the price that a client must pay, but it may or may not be linked to the price that the company must pay to provide the good or service. Depending on the sector and business model at hand, models including value-based, competition-based, cost-plus, and dynamic pricing are all often employed. Pricing is the process of determining the value that a producer will get in return for services and commodities. The producer uses a pricing strategy to make the cost of its products appropriate for both the manufacturer and the consumer. In the world of trade, one of the most crucial elements is pricing. Adding value to a thing implies setting a price for it to be a commodity.
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TRUE/FALSE. marketers usually should do everything possible (and ethical) to make prices matter more to customers.
False. The marketing idea is a corporate strategy that prioritizes the desires and requirements of consumers even when the firm does not immediately profit from the customers.
Marketing ethics are the moral standards that guide a company's promotional efforts. Organizations that define and apply marketing ethics often strive to respect consumers' rights, wishes, and expectations. While company executives may emphasize generating operational income and profits, they may also value demonstrating integrity, honesty, and justice. A company's ethics philosophy is frequently linked to its corporate aim. C-level executives, directors, and high-level managers are often in charge of developing and executing these policies. This topic is an important aspect of many marketing team discussions, planning sessions, and plans. Ethical marketing frequently include advising consumers about the hazards of products and services, as well as preserving everyone's physical and mental health.
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One of the purposes of adjusting entries is to:a. ensure debits equal credits.b. make assets equal liabilities plus owners' equity.c. recognize all revenues earned during the period.d. record all external transactions at the end of the year.
c) One of the purposes of adjusting entries is to recognize all revenues earned during the period.
A general ledger entry known as a "adjustment journal entry" is made at the conclusion of an accounting period to report any unrealized income or costs during the time. An adjusting journal entry is necessary to correctly account for a transaction that began in one accounting period and ended in another.
Adjusting journal entries can also be used to describe financial reporting that fixes an error from a prior accounting period.
Adjusting entries are used to transform cash transactions into accrual accounting transactions. The revenue recognition principle, which tries to recognize revenue in the period in which it was earned rather than the period in which it is paid, is the foundation of accrual accounting.
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central county received proceeds from various towns and cities for capital projects financed by central's long-term debt. a special tax was assessed by each local government, and a portion of the tax was restricted to repay the long-term debt of central's capital projects. central should account for the restricted portion of the special tax in which of the following funds?
A debt service fund is used for the given case in which the central should account for the restricted portion of the special tax.
The term "Debt Service Fund" refers to the cash reserve that the organization keeps on hand in order to make timely payments for its dues and obligations. Principal and interest payments on particular kinds of debt make up the majority of these dues and obligations.The debt service fund was established primarily as a means of lowering the risk that a company would be unable to pay its funds and debts on time.In this regard, the existence of a debt service fund by the organization (or the party making the corresponding loan) attracts investors because it lessens the likelihood that they will not receive payment on schedule.To learn more about debt service fund here
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advertising, personal selling, public relations, sales promotion, and direct marketing are the five elements of the
The five elements given in the given question is about communication tools.
Tools for Basic Communication. Both internal and external communication utilize a wide range of communication techniques. These tools include communication channels like mail, email, phones, cell phones, and smartphones, as well as computing devices like PCs, video and web conferencing tools, social media, and online collaboration and productivity applications. Apps, programs, and online portals that enable distributed and remote teams to interact and communicate with one another wherever they are are collectively referred to as communication tools. The exchange of information, opinions, and ideas that results in a group of people organized to accomplish a certain goal having a shared interest, a clear sense of purpose, and an integrated effort is known as communication tools as a management (administration) tool.
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gains that are unusual and infrequent should be reported as a direct increase to which of the following?
Gains that are unusual and infrequent should be reported as a direct increase in Other Comprehensive Income (OCI) in the financial statements.
Other Comprehensive Income (OCI) is a category of income that appears on the balance sheet, but is separate from net income. It represents certain changes in equity that are not included in net income such as foreign currency translation adjustments and unrealized gains or losses on investments. Gains that are unusual and infrequent, meaning that they are not expected to occur regularly and are not a part of the company's normal operations, should be reported separately in the OCI section of the balance sheet rather than being included in the net income. This is done to provide more accurate and informative financial statements and to enable the users of these statements to understand the nature of the company's financial performance and position.
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economics is question 9 options: the social science that studies human mental functions and behavior, with a focus on phenomena such as perception, cognition, personality, and interpersonal relationships. the social science that studies the allocation and transfer of power in decision-making, systems of governance, and the effects of public policy. the social science that studies decision making in the face of scarcity and the resulting impact of such decisions on both society as a whole and on the individual members therein the art of communicating financial information about a business entity to
Economics is the social science that studies the production, distribution, and consumption of goods and services.
It is concerned with how individuals, businesses, governments, and societies choose to allocate scarce resources in order to satisfy their wants and needs. Economics focuses on the behavior and interactions of economic agents and how economies work. Microeconomics examines the behavior of basic elements in the economy, including individual agents and markets, their interactions, and the outcomes of interactions. Macroeconomics analyzes the entire economy and issues affecting it, including unemployment, inflation, economic growth, and monetary and fiscal policy.
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FILL IN THE BLANK Entrepreneurs take on the challenges and risks of starting a business because it offers the freedom to make their own ______ , opportunities, and wealth.
Answer:
DECISIONS /CHOICES
Explanation:
an unlevered dcf valuation will derive the implied enterprise value of a business, but many times we want to know the equity value per share. please select the appropriate steps in calculating the equity value per share from an unlevered dcf.
EV = NPV(r, an array of FCFs for years 1–n) + TV/(1+r)n. Calculate the EV for a variety of terminal multiples and perpetuity growth rates to demonstrate the DCF analysis's sensitivity to these critical inputs.
What is DCF valuation?Discounted cash flow (DCF) valuation is a type of financial model that uses future cash flows to determine whether an investment is worthwhile. A DCF model is based on the idea that a company's value is determined by how well it can generate future cash flows for its investors.
A discounted cash flow valuation is used to determine whether a long-term investment is worthwhile. In investment banking, for example, a DCF valuation is used to determine whether a potential merger or acquisition is worthwhile. DCF valuation is also used in real estate and private equity.
Discounted cash flow (DCF) is a valuation method that uses expected future cash flows to estimate the value of an investment.
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which of the following divisions would you invest in cautiously? railroad loading shipping freight forwarding cargo inspection
It is important to be cautious when investing in any of the divisions related to rail loading, forwarding and cargo control. These industries are highly regulated and require a lot of knowledge and experience to be successful.
Rail loading and ship forwarding involve the movement of goods, which can be unpredictable and have their own risks. Cargo inspection is important to ensure goods are in good condition and safe for transport, but is also highly regulated and requires a certain level of expertise. All of these industries can be profitable, but they require a lot of due diligence and research to make sure the investment is a good one. It is important to understand the risks associated with these types of investments and have a solid plan to address them.
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Stu Johnson, CEO of Johnson, Inc., attended a seminar on Total Quality Management. Which of the following is NOT something he is likely to have learned at that seminar?
A. Some aspects of quality are difficult to measure because they depend on customers' judgments.
B. Quality is primarily the responsibility of operations management.
C. Quality results from design as well as operations and delivery.
D. Cross-functional teams are important in TQM decision making.
E. He is likely to have learned all of these things.
As Stu Johnson, CEO of Johnson, Inc., attended a seminar on Total Quality Management, thing which he had not learned at seminar is that Quality is primarily the responsibility of operations management.
Total quality management (TQM) is a method to management that focuses on long-term success through client satisfaction. In a TQM initiative, every employee of a firm takes part in enhancing their workplace's processes, goods, and services. TQM can be summed up as a management framework for a client-centered business that incorporates all staff members in ongoing development. To incorporate the discipline into the organization's culture and activities, it makes use of plan, data, and effective communications. TQM can have a significant and positive impact on organizational and personnel development. Companies can create and preserve cultural norms that produce long-term success for both clients and the firm by having all workers concentrate on quality assurance and continual improvement. The quality-centered approach of TQM makes it easier to spot employee skill gaps and provide the appropriate coaching, training, or education to fill them.
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a rural property owner acquired ownership of land that was deposited by a river running through her property by
Accretion.
Who owns land beneath a navigable river?The river in question is deemed a public easement if it is navigable. In this scenario, the owner’s property extends to the water’s edge rather than the waterway’s middle. The land under the sea is owned by the state.
The main characteristic of this form of easement is that it is owned by the owner in his or her capacity as dominating tenement. When the dominating tenement is transferred or sold, the easement is automatically transferred with it. Real estate is immovable. It consists of the land, everything permanently linked to it, and the rights that “run with” the property. Personal property, on the other hand, is easily moved.
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A homeowner acquired the ownership of land that was deposited by a river running through a property. The additional land was acquired by accretion
What is the land's ownership status?To put it another way, a landowner is simply the person who owns the most rights out of all the others because land ownership is nothing more than the ownership of one or more rights. This opens up numerous possibilities; Rights can conflict with one another or overlap without causing problems.
What exactly is ownership?The state or fact of having legal possession and control over property—any tangible or intangible asset—is called ownership. Multiple rights, collectively referred to as title, can be divided up and held by different parties in ownership.
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Drag each label to the correct location on the table.
Match the transaction to the basis of accounting used by the business.
Purchased an auto part worth
$1,000 and paid $300. Business
records only $300 as the expense.
Purchased an auto part worth
$1,000 and paid $300. Business
records $1,000 as the expense.
Paid $250 for prepaid telephone
expenses over the next month.
Business records it in the current
month.
Paid $250 for prepaid telephone
expenses over the next month.
Business records it in the next
month.
Answer:
Purchased an auto part worth $1,000 and paid $300. Business records only $300 as the expense. - Cash Basis
Purchased an auto part worth $1,000 and paid $300. Business records $1,000 as the expense. - Accrual Basis
Paid $250 for prepaid telephone expenses over the next month. Business records it in the current month. - Cash Basis
Paid $250 for prepaid telephone expenses over the next month. Business records it in the next month. - Accrual Basis
Please note that the cash basis accounting records the transactions when cash is received or paid while accrual basis records the transaction when it occurs regardless of whether cash is received or paid.
The buyers do not have enough money saved for a down payment. However, they do have excellent incomes. They really want to buy a certain home right now. If the owner is willing, they could enter into a A. wraparound mortgage.B. sale-leaseback.C. open-ended mortgage.D. lease-option
The buyers do not have enough money saved for a down payment. If the owner is willing, they could enter into a wraparound mortgage.
Option A is correct.
What is a "wraparound mortgage"?A type of financing called a "wraparound mortgage" lets a borrower combine two mortgages into one loan. A lender takes over a property's existing mortgage and extends the loan to include more money for the borrower.
After that, the lender issues a brand-new mortgage that is equal to the amount of the previous loan plus an additional amount. The wraparound lender collects payments on both loans, with the existing loan remaining as a subordinate loan. The borrower can get more money without taking out a new loan or refinancing the one they already have because the wraparound loan is secured by the same property as the original loan.
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the following balance sheet data are for better plumbing contractors, inc., a corporation, at may 31: accounts payable $9,900 common stock $101,000 cash 15,700 retained earnings ? equipment, net 100,000 notes payable 31,000 supplies 28,500 accounts receivable 9,200 land 31,000
42,500 is the retained earnings. Retained earnings can be calculated with the help of following formula:
Retained earnings = Total Assets - Total Liabilities & Equity
Total Assets = Cash + Equipment, net + Supplies + Accounts Receivable + Land
= 15,700 + 100,000 + 28,500 + 9,200 + 31,000
= 184,400
Total Liabilities & Equity = Accounts Payable + Common Stock + Notes Payable
= 9,900 + 101,000 + 31,000
= 141,900
Therefore, Retained Earnings = 184,400 - 141,900
= 42,500
The amount of profit a business keeps after paying all of its direct and indirect expenses, income taxes, and dividends to shareholders is known as retained profits. This is the percentage of the company's equity that may be utilised, for example, to fund the purchase of new machinery, research and development, and marketing.
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Everyday you take the morning train to get to work 15 minutes before your shift begin today the train broke down and they think it will take an hour to get fixed Define the problem in the situation?
You'll be an hour late for your shift will be the problem in the situation. Thus option A is correct.
What is broken down?Broke down can be defined as something when the process was running and suddenly stopped performing. This will be because of some kind of problem.
Because you have to get to work on time, the fact that you will be an hour late for your shift made you consider the issue. You may believe that one will eventually be an hour late for a shift if the train broke down and one learns that it will be an hour late as a result.
Therefore, option A is the correct option.
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The question is incomplete, the complete question will be :
Every day you take the morning train to get to work 15 minutes before your shift begins. Today the train broke down and they think it will take an hour to get it fixed. Define the problem for the situation above by selecting the best answer,
A. You'll be an hour late for your shift
B. The train broke down
C. You take the morning train to work
D. You need to be at work 15 minutes before your shift begins
consider a country facing a constant opportunity cost ppf. this country makes two goods, s and t. the maximum amount of s that this country could produce is 86, and the maximum amount of t that this country could produce is 54. the relative price of s (in terms of t) is t given up. round to two decimal places.
Consider a country facing a constant opportunity cost ppf. The relative price of s (in terms of t) is t given up is 0.65
Calculating:Relative amount of T in terms of S = 86/54
The relative price of T (in term of S) is 54/86 = 0.65
What does relative price imply?
The ratio of the price of a particular product in one period to the price of the same product in another period is known as a price relative. Significant information about the scarcity of particular goods and services can be gleaned from relative price movements. While a falling relative price indicates the exact opposite, a rising relative price indicates that demand is exceeding supply (or that supply is falling behind demand).
How is the relative price determined?You are already aware that a product's relative price is the price of another product. The ratio of the prices of two goods or services is how it is expressed. Divide the price of one product by the price of another to get a product's relative price.
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though process improvement initiatives come with a cost, benefits of more capable processes may outweigh and can include which of the following? (select all that apply.) multiple select question. fewer service complaints lower warranty costs lower productivity less need for inspection
There are some markets, like Canada, where exporting is no riskier than domestic sales. Risk levels vary throughout various foreign markets. Virtually any imagined risk may be found.
What is the highest risk for the exporter?
Credit issues are a danger that cannot be avoided in both domestic and international markets, but they are much difficult in international trade simply because it is more complicated internationally than it is domestically. When it comes to exporting, the biggest credit risk is a buyer's inability to pay.Purchasing government-issued export credit insurance is one of your finest options for protecting yourself from the possibility of non-payment (ECI).
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Seaquestor Nautical Inc. is about to issue 2 million shares of new common stock. Its investment banker will charge an underwriters' commission of $6.20 per share. The current and offering price is expected to be $75.00 per share. Analysts expect the company will pay a dividend this year of $7.20 per share, and that the company will continue to grow its dividend by 5.0% per year for the foreseeable future. The company's marginal statutory income tax rate is 25%. How could the company's management estimate the cost of this new equity capital? O 15.47% Pre-Tax 11.60% After-Tax O 17.58% Pre-Tax 13.19% After-Tax O 17.58% Pre-Tax: 17.58% After Tax O 15.47% Pre-Tax 15.47% After-Tax
Investment bankers are the ones that would be contacted in order to raise significant sums of money in order to purchase another firm.
This person assists in raising funds for significant businesses and organizations. The explanation for this question's answer is best matched to the fact that the banker is assisting in the fund raising for the potential acquisition of a company. Investment bankers are the ones that would be contacted in order to raise significant sums of money in order to purchase another firm. Bankers are employees of commercial and investment banks. Commercial banks are financial institutions that come in a variety of sizes, from little community banks to massive institutions with numerous offices throughout an area or the nation. A person or business that helps in the following areas is known as an investment banker.
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The Sarbanes-Oxley Act was enacted to reduce the number of unethical business decisions by requiring the accountability of publicly traded companies.
TrueFalse
The given statement ''The Sarbanes-Oxley Act was enacted to reduce the number of unethical business decisions by requiring the accountability of publicly traded companies'' is true.
What is a publicly traded company?A corporation is considered public if its stock is traded on a stock exchange. Typically, initial public offerings have been used by public firms to sell shares to the general public (IPO). A corporation can access the equity and debt markets by becoming public, which makes it simpler to raise money to support growth.An organisation whose ownership is structured through stock shares that are designed to be openly traded on a stock exchange or in over-the-counter marketplaces is referred to as a public traded company. A public firm has the option of being or not being listed on a stock exchange, which makes it easier to trade shares.
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the participant will organize and deliver a sales presentation or consultation for one or more products/services/customers. the participant will research an actual company that he/she represents and real product(s)/services(s) to be presented. the participant will also research the target customer that the product/service will be presented to. then the participant will present the product(s)/service(s) using the steps in the selling/consulting process to meet the needs of the customer (prospect). for 2022-2023 you will assume the role of a financial consultant to a local bank or credit union. the bank or credit union is looking to close some of its brick-and-mortar locations and transition more of its services to an online/virtual platform. the bank or credit union is seeking your recommendation on what services could be transitioned to an online-only banking platform without compromising customer service to its customers
These financial instruments are debt securities that non-federal government bodies issue to pay for their capital expenditures.
State and government bonds often provide regular interest payments and are secure investments. By the indicated maturity date, they pay back face value. The goal of these bonds is to raise money for government investments. These bonds are typically regarded as secure because of the government's backing. A well-known financial institution product called certificates of deposit incentivizes customers to keep their deposits in place. Although these interests are often low, they are almost risk-free. The specifics of the CD offer must be decided by each bank or company because they might conflict with those of other financial products. Mutual funds that specialize in investing in highly liquid financial products, such as cash and cash equivalents, are known as money market funds.
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