The health insurance premiums that an employer pays on behalf of its employees are likely to decrease when the employer offers a wellness program to its staff.
As a proactive measure to help them stay healthy overall and prevent sickness, employers provide access to wellness programs for their employees. This can be facilitated by education, communication, and a supportive workplace environment.
When buying an insurance policy, a person, business, or organization must pay an insurance premium. The cost of the insurance premium varies based on the payee and is influenced by a variety of factors. For instance, you must pay your insurer the $800 annual auto insurance payment in order to keep your policy in effect.
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A 12-year annual payment corporate bond has a market price of $925. it pays annual interest of $60 and its required rate of return is 7 percent. by how much is the bond mispriced?
The time period of the bond is the amount of time among bond issuance and bond adulthood. at the maturity date of a time period bond, the bond's face fee, the most amount, need to be repaid to the bondholder. term bonds may be contrasted with serial bonds, which mature in installments over a period of time.
Prize Bond of the Bond = present cost of coupon bills + present fee of Par fee
= $60 x [ PVIFA 7%, 12 Years] + $1,000 x [ PVIF 7%, 12 Years]
= [ $60 x 7.942686 ] + [ $1,000 x 0.444011 ]
= $476.fifty six + 444.01
= $920.57
The Bond is mispriced by means of $four.43 [ $925 – 920.57 ]
way to 2nd query
Prize Bond of the Bond = present fee of coupon bills + present rate of Par fee
= $35 x [ PVIFA 3%, 16 Years] + $1,000 x [ PVIF 3%, 16 Years]
= [ $35 x 12.56110 ] + [ $1,000 x 0.623167]
= $439.sixty four + 623.17
= $1,062.eighty one
Bond fee = $1,062.80 one.
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Stacy's dress shop received a $1,050 invoice dated july 8 with 2/10, 1/15, n/ 60 terms. on july 22, stacy's sent a $242 partial payment. what should stacy's outstanding balance be?
2/10 = 2% discount when payment received in 10 days.
1/15 = 1% discount if payment received within 15 days.
n/60 = no discount within 60 days.
July 8 + 15 days = July 23
So, since Stacy has sent invoice on July 22 she could qualify for 1% discount.
1% = 0.01
Discount = 1050 * 0.01 = 10.5
100% - 1% = 99%
99% = 0.99
1050 * 0.99 = 1039.5
So, if Stacy pays between 11 to 15 days she can pay $1039.5
Since, she paid $242, remaining balance = $1039.5 - $242 = $797.5
now, if she does not pay this within 15th day she will loose 1% discount and needs to pay full $1050. So, since she paid $242, her outstanding balance is $1050 - $242 = $808.
a. Stacy's should receive Credit of $ 244.44
b. Stacy's Outstanding balance is $808.
The total amount remaining owed on a loan is known as the outstanding balance. This is the amount of a loan's principal balance that is still owed, which is the amount that was first loaned. It excludes any fees or interest that are owed on the loan. The outstanding balance of a loan is the sum that is still owed from either the lender's or the borrower's perspective. From the standpoint of a saver or savings bank, remaining balance instead refers to the amount of money that is still in an account after spending or a withdrawal.
Stacy's Dress Shop received a $1,050 invoice dated July 8 with 2/10, 1/15, n/60 terms. On July 22, Stacy's sent a $242 partial payment. (If more than one discount, assume date of last discount)
a. What credit should Stacy's receive?
b. What is Stacy's outstanding balance?
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Acme enterprises borrowed $20,000 from last bank on a 5-year note payable. acme's journal entry to record this transaction will include?
Acme enterprises borrowed $20,000 from last bank on a 5-year note payable. acme's journal entry to record this transaction will include a debit to cash for $20,000 and a credit to notes payable for $20,000.
A journal entry is the act of recording any transaction, whether one that is economic or not. An accounting journal that displays the debit and credit balances of a company lists transactions. Multiple recordings, each of which is either a debit or a credit, may be included in the journal entry.
A journal entry is a record of a business's financial transactions kept in its accounting books. An accurate date, the amounts to be debited and credited, a description of the transaction, and a special reference number are all components of a properly documented journal entry.
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Executives of a national insurance underwriting firm has informed its district managers of a new goal to improve customer retention. The district managers will set goals to be achieved over the next 6 to 24 months as part of ________ planning.
If the district managers will set goals to be achieved over the next 6 to 24 months as part of tactical planning.
What is Tactical planning?Tactical planning can be defined as the process in which a company tend to change their long term plan to a short term plan by setting a time frame in which they intend to achieve the set goals.
The executives are engaging in tactical planning based on the fact that the district managers have to set goals they will achieved over the next 6 to 24 months. Most companies tend to use tactical planning when planning on how to achieve their set goals by outlining the step of action they will use to achieve the goals.
Therefore If Executives of a national insurance underwriting firm has informed its district managers of a new goal to improve customer retention. The district managers will set goals to be achieved over the next 6 to 24 months as part of tactical planning.
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During a presidential campaign, the incumbent argues that he should be reelected because nominal gdp grew by 12 percent during his 4-year term in office. You know that population grew by 4 percent over the period and that the gdp deflator increased by 6 percent during the past 4 years. You should conclude that real gdp per person?.
Answer: The correct answer is Grew by 2%
Explanation:
Because nominal GDP increased by 12% through these years, it has a meaningful result of 12%.
The population increased by 4%.
GDP deflator has a meaningful result of 6% because it has likewise grown by 6%.
We already know the nominal GDP and the GDP deflator, thus we may use the following formula instead:
Now compute the Real Income per capita percent by multiplying 6 percent by (12 percent)/ (Real GDP per person percentage) x100.
As a result, we multiply both sides by the proportion of Real GDP to get:
We reduce both sides by 6 percent to get real GDP per person percent (6%) = 12 percent.
As a response, the real economy has grown by 2% since the GDP deflator improved rather than reduced, and nominal GDP is also positive.
Therefore if we have a fraction with a positive response, we know both fraction values must be positive, and if the GDP deflator grows, both fraction values must be positive.
Sze is riding her beach cruiser. her ability to sense how her torso is adjusting to the speed of her cycling and how her legs are pumping up and down is called?
Felix is riding his bicycle. His ability to sense how his torso is adjusting to the speed of his cycling and how his legs are pumping up and down is called kinesthesia.
What is kinesthesia?A sense produced by receptors in muscles, tendons, and joints that are triggered by tension and movement of the body. also sensory experience derived from this sense.
The sense of proprioception, also known as kinesthesia, enables us to recognise the location, motion, and function of various body parts. It includes a variety of sensations, such as the perception of joint position and movement, muscle force, and effort.
The kinesthetic system entails a number of receptors in connective tissues of joints and tendons that pick up sensory signals and transmit information to the sensory cortex of the brain via the nervous system. The joint or limb's position and motion are then perceived by the brain.
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During the lifetime of an entity accountants produce financial statements at artificial points in time in accordance with the concept of?
During the lifetime of an entity, accountants produce financial statements at artificial points in time in accordance with the concept of Objectivity, Periodicity.
You do not want to be a maths genius to be a b. Of route, just like most jobs, you may be expected to have a fundamental know-how of maths. And it honestly allows when you have a hobby in numbers. but you do not have so one can resolve complex maths issues for your head to be a terrific Accountant.
Even while you love your activity, the profits continue to be vital. With accounting, the capacity for expert growth is going hand in hand with the income capacity. in keeping with the Bureau of exertions records (BLS), the median annual earnings for accountants is around $69,000. but, the top 10% make up to $108,000.
Accountants spend the general public working day reading, accumulating, compiling, and comparing monetary information. Accountants additionally put together a spread of stories and economic statements, from daily cash glide statements for small organizations to annual economic reports for massive groups.
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Cash received in advance from clients for legal services is recorded in unearned revenue. the end-of-period adjusting entry to record the portion of revenue that has been earned is:________
Answer:
Debit Unearned Revenue and Credit Legal Revenue
Explanation:
The end-of-period adjustment entry in the journals to record the portion of revenue that has been earned is debit unearned revenue and credit revenue. Therefore, the option C holds true.
What is the significance of an adjusting entry?An adjusting entry in the books of the journal entries of a firm are done when the transaction takes place after the actual entries for the current period are already recorded in the journal entries of the current given financial period.
When an unearned revenue is received in part at the end of the year, it is credited in the part it has been received, and the remaining revenue is debited in the journal entry at the end of period.
Therefore, the option C holds true and states regarding the significance of an adjusting entry.
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The missing options to the incomplete question has been added below.
debit unearned revenue and credit revenue
debit revenue and credit unearned revenue
cash account debit and an unearned revenue account credit.
No adjustment entry is to be made
You create numerous customized views to use with all your projects. what is the easiest way to ensure that these views are available to all your projects?
You create numerous customized views to use with all your projects. The easiest way to ensure that these views are available to all your projects are to turn on the automatically add new views, tables, filters, and groups to the global option.
What are customized views?
A Custom View is a copy of a view that has your selections and filters applied. You can use Custom Views to save your filters, sorts, or selections, without changing the original view. Custom Views are a good option if you find yourself changing a Tableau Server or Tableau Online view every time you open it.
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The qualitative characteristics outlined in the fasb's conceptual framework include:______.
Fundamental and enhancing are two of the qualitative traits listed in the conceptual framework of the fasb.
Providing a foundation for existence or identifying a structure or function that is essential: basic Democracy is predicated on responsibility. Our fundamental rights are protected by the Constitution. B: acting as a source of innovative or creative ideas; a key discovery in the development of contemporary computers.
A fundamental thing is one that is fundamental or necessary. A prime example of a fundamental truth is the core tenet of a particular religion. becoming or acting as the primary element of a system or organization.
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On june 1, 2022, spk company signed a $100,000, one-year, 6 percent note payable. Interest and principal are due at maturity. What amount will spk record for interest expense in their december 31, 2022 adjusting entries?.
In their adjusting entries for the fiscal year ending December 31, 2022, SPK will note an interest expense of $3500. There will be adjustment entries for Interest Expense and Interest Payable.
What do Interest Expense actually entail?
The cost of borrowing money has an impact on Interest Expense. It is the cost a lender charges a borrower for using their funds. The cost of borrowing money from banks, bond holders, and other sources might appear as interest expenditure on the income statement.
1.00000 principal
Interest 6%
Time is 7 months.
interest expense is equal to one hundred thousand times six decimal places multiplied by twelve.
= $ 3500
How is the cost of interest determined?
Multiplying a company's total debt by the average interest rate on its debts yields the most straightforward way to figure out Interest Expense. An organization that owes $100 million at an average interest rate of 5% would incur interest costs of $5 million ($100 million x 0.05).
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Percentage paid to a lender for the use of borrowed money, or the percentage earned on invested principal.
The amount that lenders demand from borrowers in the form of interest is expressed as a percentage of the principal. It also includes any bank account earnings.
The fee paid for the right to borrow money is called interest. In contrast to how the interest rate used to compute interest is normally expressed, which is as an annual percentage rate, interest expense or revenue is frequently expressed as a dollar figure (APR). Interest is the payment a lender or financial organisation makes in exchange for extending credit. A stockholder's ownership stake in a corporation, which is typically expressed as a percentage, is another definition of interest. Interest is frequently linked to credit cards, mortgages, auto loans, personal loans, savings accounts, or fines. The macroeconomic policies set by the Federal Reserve's Federal funds rate heavily influence interest rates.
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Suppose a basket of goods and services has been selected to calculate the cpi and 2020 has been selected as the base year. In 2019, the basket’s cost was $80; in 2020, the basket’s cost was $86; and in 2021, the basket’s cost was $90. The value of the cpi in 2021 was?.
Data provided as per the question below:
Cost of basket in 2021 = $90
Cost of the basket in base year = $86
Below is the calculation of the CPI value
Value of the CPI = (Cost of a basket in 2019 ÷ Cost of a basket in the base year) × 100
Value of the CPI = ($90 ÷ $86) × 100 = $104
The Consumer Price Index (CPI) is an index number that can calculate the average price of goods and services that have been consumed by the public as consumers. Conducted with the aim of measuring the inflation rate within a certain period of time, as well as a consideration in adjusting salaries, wages, pension funds, and other contracts.
Inflation is a tendency to increase the value or price of goods and services continuously. When the price of goods and services increases, inflation increases. But this continuous increase in the price of goods can cause the value of the currency to fall. Rising inflation eventually triggers a decrease in the value of the currency against the value of goods and services.
CPI indicator to measure the rate of inflation. Changes in CPI are a description of the rate of increase (inflation) or the rate of decline (deflation) of goods and services within a certain period of time. It is the Central Bureau of Statistics tasked with compiling this Consumer Price Index. Data that must be processed is usually obtained from consumers, producers and others. Determining the CPI uses certain methods and formulas. Usually, the CPI is calculated based on a survey of the cost of living in an urban area and is carried out in stages.
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The debt of state and local governments is mostly? owed to citizens of other nations. external. worthless internal.
The debt of state and local government is mostly an external debt.
The financial obligations of the government sector are known as a nation’s gross government debt, often known as public debt or sovereign debt Government borrowing over time is mostly due to prior shortfalls in the budget. When a government’s expenses exceed its receipts, a deficit results. Both domestic and foreign residents may be subject to government debt.
Public debt management is the process of creating and implementing a strategy for managing the government's debt to raise the required amount of funding, and meet other goals of government.
Global government debt in 2020 was estimated to be worth $87.4 US trillion, The percentage of government debt in total debt (which includes corporate and family debt) reached its highest level since the 1960s, close to 40%.
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A ________ can be defined as a recurring period of decline that usually lasts 6 months to a year and includes many widespread contractions from many areas of the economy.
A recession can be defined as a recurring period of deadline usually lasts 6 months a year and features numerous widespread declines from numerous economic sectors.
A significant, pervasive, and protracted decline in economy activity is referred to as a recession. A recession is often defined as two quarters of declining overall gross domestic product (GDP) in a row. Total production, consumer spending, and employment all often experience reductions during recessions.
From the peak of the previous expansion to the low point of the downturn, economists calculate the length of a recession. Recessions may only last a few months, but it may take years for the economy to recover to stable state. Unemployment is the most difficult to recover from a recession.
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What was not among the economic motivators for england to acquire new world colonies?
It was not for economic reasons that England bought colonies in the New World to fill labor shortages.
In the event of a labor shortage, firms will find it challenging to fill unfilled positions with competent candidates. The roles they are hiring for don't have enough individuals to fill them, and the ones who are available are difficult to find.
But there may be more to labor shortages than meets the eye. There are certain positions that are more difficult to fill than others, and certain industries find it more difficult to attract and keep people.
What you should know about labor shortages, the industries and professions with the greatest need for workers, and how a labor shortage can help your career are all provided below.
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A+product+with+an+msrp+of+$10.00+has+a+volume+discount+of+30%+and+a+promotion+allowance+of+15%.+how+much+will+the+distributor+receive+in+promotion+allowance+for+each+unit?
Distributor will receive 1.05 in promotion allowance for each unit.
What is meant by promotion allowance?Promotional Allowances are items and services provided to hotel guests as an incentive to gamble there, such as free food, drinks, entertainment, and parking. Price reductions known as "promotional allowances" are provided by a product's producers or suppliers to commercial partners like distributors in an effort to entice them to promote the product and increase sales.
Discounts are the term for incentives used to encourage sales, whereas allowances are the term for incentives used to encourage payments (which apply only to purchases made on credit). Retail and wholesale businesses employ discounts most frequently (for instance, when a store has a 10% off sale).
Given;
Volume discount = 30%
promotion allowance = 15%
Distributor receive promotion allowance for each unit = Price after volume discount * % of promotion allowance
30-100= 70%
($10x70%)*5= 1.05 Per Unit
Distributor will receive 1.05 in promotion allowance for each unit.
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A company earned $2,000 in net income for october. its net sales for october were $10,000. what is its profit margin ratio?
A company earned Its profit margin ratio 20% from it's October net sales
Calculating:
profit margin= net income ÷ net sales
profit margin=2,000/10,000
=20%
What does margin of profit mean?
Profit margin is defined as the difference between the total cost to run your business and the total revenue it brings in. the highest your profit margin, the extra money your business gets to have .
What is meaning of net income?
Net income refers to the amount an individual or business makes after decreasing costs, allowances and taxe's. In commerce, net is termed as what the business has left over after all costs , including salary and wages, cost of product's or raw material and taxes.
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True or false. you must have an additional sophos central license to use central firewall management.
The given statement exists true. You must have an additional Sophos central license to use central firewall management.
Is Sophos Central Firewall Manager available for free?Sophos Central makes managing a single firewall or hundreds of them simple - and free. Take advantage of free zero-touch deployment, group firewall management, and flexible reporting tools. Navigate to System > Administration > Central administration. To enable central management, enable Manage your firewall using. To manage your firewall, use Sophos Firewall Manager (SFM), Sophos Central Firewall Manager (CFM), or Sophos Central.Navigate to the customer's Sophos Central Dashboard instance. Navigate to Settings under Endpoint Protection / Server Protection. Select Registered Firewall Appliances from the Administration menu. Check to see if the firewall is visible here.Firewall Manager from Sophos. Complete centralized management Complete firewall administration for all of your devices. Centrally manage firewall policies and configuration for all of your network security features, including application filtering, web filtering, intrusion prevention, VPN, email, and more.To learn more about Sophos Central Firewall Manager refer to:
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The starting point in developing the master budget is the preparation of the ________.
a) cash budget
b) production budget
c) sales budget
d) budgeted income statement
The place to begin developing the grasp price range is the instruction of the sales price range.
The increase is a verb meaning to build up, grow, or improve progressively over the years. A developer is a person who develops land into shopping department shops, faculties, and skyscrapers. The method can take months, however, eventually, they will transform a pile of dirt right into construction.
As well as growing higher jobs, development is vital for a country because it improves commercial enterprise and trade. As countries develop more worldwide organizations flow in and trade with other countries grows. This further improves the country's economy and additionally, in addition, increases the range of top jobs on offer.
A rustic having a powerful rate of industrialization and individual income is referred to as advanced usa. The developing united states of America is a country that has a sluggish rate of industrialization and coffee in keeping with capita income. Unemployment and Poverty. relatively decrease.
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In the sequence of events that led to snowden leaking large amounts of information to reporters, who did he contact first?
In the sequence of events that led to Snowden leaking large amounts of information to reporters, who did he contact first Laura.
Edward Joseph Snowden is a whistleblower who leaked distinctly classified facts. Snowden became running as a pc intelligence representative for the CIA (primary Intelligence employer) when he determined to expose the records, in 2013. His disclosure discovered diverse worldwide surveillance applications that reputedly violated man or woman privacy. Snowden referred to as out the dearth of ethics through inner channels, but all such tries had been discouraged and not noted. that is while he decided to go away from his process at the NSA facility in Hawaii.
Snowden started out thinking about leaking the documents in March 2007, when he turned posted as a technician at the Geneva CIA station. but only proceeded, while he determined to touch Glenn Greenwald, who was running as a journalist. Snowden approached Laura Poitras, who is a filmmaker. Greenwald started operating with Snowden in early 2013 after Poitras and Greenwald became acquainted.
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The claim that, ceteris paribus, the quantity demanded of a good falls when the price of that good rises.
The claim that, ceteris paribus, the quantity of a good decreases when the price of that good increases is true.
The term ceteris paribus means when all the other things remain the same. So when all the other factors are related to the good, if the price of that good goes up then the demand will fall. The statement is true even if it is written vice-versa. When the price of the good falls the demand for that good will increase.
This statement is given by the law of demand. According to the law of demand, there exists an inverse relationship between the prices of the good and its quantity demand. There are also some exceptions to this rule which include goods like necessities. In these cases even if the price falls the demand will remain the same and vice-versa.
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Suppose+the+brand+manager+of+honey+bunches+of+oats+cereal+lowers+the+price+of+the+product+by+4%.+what+will+be+the+impact+of+this+move+in+the+short+run+and+the+long+run?+(check+all+that+apply.)
Demand will be more elastic in the long run than it will be in the short run and there will be increase in quantity demanded will be larger in the long run than in the short run.
What is Elasticity of Demand ?
Demand elasticity is a significant modification to the notion of demand. Demand can be categorized as unitary, inelastic, or elastic.
A demand that is elastic experiences a significant shift in quantity demanded as a result of a price adjustment. When the amount sought changes little as a result of a price adjustment, the demand is said to be inelastic.
The formula for computing elasticity of demand is:
(Q1 – Q2) / (Q1 + Q2)
(P1 – P2) / (P1 + P2)
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DeNova Real Estate signed a four-month note payable in the amount of $6,000on September 1. The note requires interest at an annual rate of 6%. The amount of interest to be accrued at the end of September is:________
a. $360.
b. $90.
c. $30.
d. $60
The production possibilities frontier shifts inward if :_________
a. resources are destroyed.
b. the capital stock increases.
c. the labor force increases.
d. unemployment increases. e. technology improves.
If the resources are destroyed, the production possibilities frontier shifts inward. Thus, the correct answer is letter a.
When the capital stock increases, labor force increases, unemployment rate increases and/or the technology improves, it will not make the production possibilities frontier to shift inward.
However, for the frontier of production possibilities to move inward, the capital stock, labor force, and unemployment rate must all have decreased. Additionally, if technology worsens, frontier will turn inward as well.
When labor skills, technology, the size of the workforce, and/or the capital stock all advance, a production possibilities frontier may move outward, not inward.
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Jessica wants to save $100,000 in the next 10 years so she can have a good start on her retirement fund. How much will her monthly contributions need to be if she can earn a 12% return on her money?.
In order to get a head start on her retirement fund, Jessica plans to save $100,000 over the next ten years. If she can get a 12% return on her investment, she will need to make monthly instalments of $434.71.
Savings are important for two reasons: financial security and financial objectives. Confidence in your capacity to cover unforeseen expenses, pay for your own retirement, and maintain a chosen lifestyle is a result of financial stability and preparedness.
Goals can aid in maintaining perspective and reining in saving efforts. Your ability to accumulate your first $100,000 for any objective you may have in mind will depend on how much money you have to save, whether retirement from lower costs or higher income. And after you accomplish that, getting to the next $100,000 will be simpler.
So, In order to get a head start on her retirement fund, Jessica plans to save $100,000 over the next ten years. If she can get a 12% return on her investment, she will need to make monthly instalments of $434.71.
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Based on this model, households earn income whenfirms purchasegoods and services in factor markets.
In the factor market, households act as sellers while firms act as buyers.
So,
Based on this model, households earn income when firms purchase factors in factor markets.
EVENT 1
Hubert earns $375 per week working for Dinah's Diner.
In this event, Hubert is providing his labor services to Dinah's Diner and is earning income thereof.
So, this transaction will occur in the factor market.
EVENT 2
Kate earns $600 per week working for Classy's Jewelry Store.
In this event, Kate is providing her labor services to Classy's Jewelry Store and is earning income thereof.
So, this transaction will occur in the factor market.
EVENT 3
Hubert spends $200 to purchase a necklace from Classy's Jewelry store.
In this event, Hubert is purchasing a product (necklace) from Classy's Jewelry Store.
So, this transaction will occur in the product market.
The following elements of this scenario represent a flow from a household to a firm -
1. The $200 Hubert spends to purchase a necklace from Classy's Jewelry Store.
2. Kate's labor.
Hence, the correct answer is options (1) and (2).
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What responsibilities does the film editor have? (Select all that apply).
reading the script
revising the script
digital grading
manipulating graphics, plot, sound, and score
The responsibilities of the film editor would be to:
reading the scriptmanipulating graphics, plot, sound, and scorerevising the scriptWho is a film editor?This is the person that is in charge of all that has to do with the turning of the uncut images that are from a film shoot into a more finished product. The editor is one that has to do with job of studying the scripts of movies and then developing the movies in a post production effort.
Hence we can say that the responsibilities of the film editor would be to:
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Attorneys who are part of the executive or midlevel management team of large companies are known as?
Attorneys who are part of the executive or midlevel management team of large companies are known as In-house counsel.
Who are Attorneys?A person who prepares, interprets, and applies the law as an advocate, attorney at law, barrister, barrister-at-law, solicitor, canonist, canon lawyer, legal executive, or public servant—but not as a paralegal or charter executive secretary—is referred to as a lawyer or attorney.
Lawyers can find employment in the public sector as district attorneys, public defenders, or even for the federal government.
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Paul vidal de la blache promoted a viewpoint called ______ in which the natural environment could constrain or limit culture, making some variants more or less likely than others.
Paul Vidal de la Blache promoted a viewpoint called possibilism in which the natural environment could constrain or limit culture, making some variants more or less likely than others.
Possibilism is an antidote to both determinism and environmental determinism. It is predicated on the assumption that the environment imposes certain constraints or limitations, but that culture is determined by social conditions. According to this theory, the true and only geographical problem is the utilization of possibilities.
The essence of Possibilism is as follows:
Nature provides opportunities, which man exploits based on his culture, traditions, and socioeconomic status.People are not simply byproducts of their environment or pawns of nature.Nature is never more than a consultant.There are no necessities, only possibilities.In every region, the range of possibilities is limited more by the price man is willing to pay for what he wants than by environmental constraints.Learn more about possibilism here:
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