The recommendation for Tammy should be 'sign up for direct deposit with her employer so that the money is already in her account the morning of the 1st'.
Direct deposit allows the employer to send money to the bank account of his employees directly. Such a method is reliable as it takes less time and less work. Other methods, such as checks, require time as well as trips to the bank in order to get the check approved.
If Tammy uses a direct deposit method, then she can receive her pay 1st itself. In this way, she will have two more days to submit her payment to the international club advisor. Also, she wouldn't have to take up any leave for walking to the bank and getting into time-taking procedures at the bank.
Although a part of your question is missing, you might be referring to this question:
Your friend tammy just got a part-time job so she can afford to attend a school trip abroad later this school year. Tammy gets a paycheck on the 1st of every month, and a cash payment is due to the international club advisor by the 3rd of every month with no exceptions. More than one late payment results in being removed from the trip. What recommendation do you have for tammy?
a. Sign up for direct deposit with her employer so that the money is already in her account the morning of the 1st
b. Use her 15-minute break during work on the 1st of each month to run to the check cashing business; hopefully she doesn't get delayed by long lines and return to work late, which will anger her boss
c. Deposit the check through her mobile app on the 1st of the month and do a cash withdrawal from the ATM each month on the 2nd; hopefully the check clears in time to avoid fees
d. Sign up for overdraft protection, withdraw the money from an ATM regardless of whether the funds are there in time, and just pay the $35 overdraft fee
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Why is the amount of information involved a problem in calculating GDP? (Marketing Class.)
However, GDP has certain significant drawbacks, such as: non-market transactions are excluded. the absence of consideration for or representation of the severity of societal wealth disparity. the lack of information on whether or not the country's growth rate is sustainable.
It does not take into consideration who is generating, hence an economy could have one worker or be fully employed. It largely overlooks the black market, ensuring that production will always fall short of reality. GDP is the most challenging to quantify of all of these. Because it does not immediately take into account leisure, environmental quality, levels of health and education.
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How is simple interest different from compound interest?
While compound interest is based on the principal and interest that accumulates over time, simple interest is based solely on the principal of a deposit or loan.
What distinguishes compound interest from simple interest?Simple interest is often a predetermined percentage of the principle amount borrowed or lent paid or received over a specific time period. Borrowers are required to pay interest on interest in addition to principal since compound interest accrues and is added to the accrued interest from prior periods.
What is the complete simple interest formula?The formula for calculating simple interest is SI = P R T, where P stands for principal, R for rate of interest, and T for time period. Here, the rate (r%) is expressed as r/100, where r% is the percentage rate. In the case of simple interest, the principal is the amount of money that does not change over the course of a year.
How is compound interest determined?In order to compute compound interest, multiply the principle of the original loan by the annual interest rate multiplied by the number of compound periods minus one. You will then be left with the principal amount of the loan plus compound interest.
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Automated methods for obtaining registrar network range information for a company ________.
Automated methods for obtaining registrar network range information for a company are faster than manual methods.
The information helps in avoiding the duplication of research. facts stimulate the concept manner of the up-to-date, especially students. The facts help scientists, engineers, scholars, and so on. updated get properly informed about the current advancements in their updated, and up to date maintain them.
Records are an important thing to update how virtual society provides cost and redistributes electricity. In a connected global, information profits energy via everlasting storage and huge distribution. The same statistics that existed inside the analog global can exponentially grow in power as soon as shared on digital networks.
Human beings use the facts updated trying updated meaning in a variety of situations. up-to-date they use records instrumentally, up-to-date do something tangible (e.g., up-to-date accumulate a skill or attain a goal). Other times, information is used cognitively (e.g., updated generate ideas).
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The post-closing trial balance does not include any revenues, expenses, or dividends, because these accounts are permanent accounts. True or false?.
The post-closing trial balance does not include any revenues, expenses, or dividends, because these accounts are permanent accounts is a false statement.
What is trial balance?Trial Balance is a list of closing balances of ledger accounts on a certain date and is the first step towards the preparation of financial statements. The debt balances are in one column and the other column consists of credit balances.It is usually prepared at the end of an accounting period to assist in the drafting of financial statements.
It is prepared at various stages in an accounting cycle.
A company is supposed to prepare their trial balance periodically,which is usually at the end of reporting period.
The major purpose o the trial balance is to ensure whether the entries are mathematically correct in a company's book keeping system
The post-closing trial balance includes any revenues, expenses, or dividends, because these accounts are permanent accounts.
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Assume the appropriate discount rate for the following cash flows is 10.19 percent per year. year cash flow 1 $2,350 2 2,750 3 4,950 4 5,550 what is the present value of the cash flows?
Present value = cash flows*Present value of discounting factor(rate%,time period)
=2350/1.1019+2750/1.1019^2+4950/1.1019^3+5550/1.1019^4
which is equal to
= $11862.03.
Present value, a concept based on the time value of money, is calculated by dividing the future cash flow by one plus the discount rate, where an amount of money today is worth much more than the same amount in the future for a number of periods.
To evaluate future cash flows, we need to determine the appropriate discount rate. The present value indicates whether an amount of money is worth more today than the same amount of money in the future. Present value shows that the money you receive in the future is not worth the money you receive today. In economics and finance present value PV also known as present value is the value of an expected income stream determined at the date of valuation.
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The company whose chief executive officer was indicted for copyright infringement of allegedly stealing technology from d-link, which was one of its own customers, was _________.
The company whose chief executive officer was indicted for copyright infringement of allegedly stealing technology from D-Link, which was one of its own customers, was Interactive Television Technologies, Inc.
ARPANET, in full advanced research initiatives business enterprise network, an experimental computer network that become the forerunner of the net. The advanced research tasks Agency (ARPA), an arm of the U.S. protection department, funded the improvement of the superior studies initiatives employer network (ARPANET) inside the past due 1960s.
Encryption is a way of scrambling records so that best-authorized parties can understand the statistics. In technology terms, it's miles the technique of converting human-readable plaintext to incomprehensible textual content, additionally referred to as ciphertext.
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What kind(s) of poor disclosure most concerns financial statement users and preparers?
The requirements for disclosing the alteration, falsification, or manipulation of accounting records or other supporting material used to prepare financial statement should be carefully considered during the preparation of the financial statements.
Financial statements are written records that outline a company's operations as well as its financial success. Government organisations, accounting firms, and other entities frequently audit financial statements to assure their accuracy and for reasons related to taxes, financing, or investment. The balance sheet, income statement, cash flow statement, and statement of changes in equity are the four basic financial statements used by for-profit organisations. Nonprofit organisations employ a comparable but distinct set of financial statements. The cash flow statement (CFS) gauges a company's ability to generate enough cash to cover its debt payments as well as operating costs and investments. The statement of changes in equity documents how profits are transferred to third parties or reinvested in the business for future growth.
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A bond issued on june 1, 20x5, has interest payment dates of april 1 and october 1. the bond interest expense for the year ended december 31, 20x5, is for a period of?
April 1 and October 1 are the due dates for interest payments on a bond issued on June 1, 20x5. The bond interest expense for the fiscal year that concluded on December 31, 20x5, is spread over a six-month period.
From June 1, year 1, to December 31, year 1, or seven months, interest expense would be incurred. Using the period from the bond's issuance date to the year's conclusion, the amount of interest expense for a given year is calculated.
The bondholders do not actually get a full interest payment on October 1; the net amount represents interest accumulated from the purchase date. This is because purchasers would have paid the issuer for any accrued interest at the time of purchase (June 1). As a result, the length of time the bonds are outstanding rather than the interest payment dates determine how much is spent on interest.
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It+is+estimated+that+over+___________%+of+all+crashes+in+the+u.s.+are+caused+by+driver+distraction.
50% is estimated over the number of accident of all crashes in the u.s are caused by the driver distraction .
It is almost 50% because driving-related accidents usually involve the driver; if the driver is paying attention to something other than the road, there is always a high risk of an accident. As a driver, you should pay attention to the road, avoid using your phone, and never drive after drinking.
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The _____ authorizes the federal trade commission to restrict unfair or deceptive acts.
The Wheeler-Lea Amendment grants the Federal Trade Commission the authority to impose restrictions on unfair or misleading practices.
The enforcement of civil (non-criminal) U.S. antitrust law and the promotion of consumer protection are the main responsibilities of the Federal Trade Commission (FTC), an independent body of the U.S. government. The Department of Justice Antitrust Division and the FTC both have authority over federal civil antitrust enforcement. In Washington, DC, the Federal Trade Commission Building houses the agency's headquarters.
In reaction to the issue of monopolistic trust that arose in the 19th century, the Federal Trade Commission Act of 1914, which formed the FTC, was passed. Since its founding, the FTC has been responsible for enforcing both the provisions of the FTC Act (15 U.S.C. 41 et seq.) and the Clayton Act, a significant antitrust act.
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Do you feel this truck is affordable for Cesar or should he consider other alternatives? Provide at least two reasons supporting your answer
Stephanie works for a company that manufactures purses and is considering employing a trading company to reduce the risk of getting involved in international marketing. What is one of the benefits of using a trading company?.
Stephanie works for a company that manufactures purses and is considering employing a trading company to reduce the risk of getting involved in international marketing. One of the benefits of using a trading company is that it facilitates all marketing aspects of a transaction.
The function of a trading company is to buy products from one country and sell it to another. A trading company has a firm knowledge and understanding of the various marketing aspects of different countries.
Manufacturer companies, like the one in which Stephanie is currently working, focus on making products but they do not have enough understanding of the various marketing aspects of different countries. These companies may be able to formulate strategies for selling their product in their own country but are not good at international marketing.
For such manufacturing countries, an association with a trading company can be helpful as a trading company will facilitate all the marketing aspects to other countries.
Although a part of your question is missing, you might be referring to this question:
Stephanie works for a company that manufactures purses and is considering employing a trading company to reduce the risk of getting involved in international marketing. What is one of the benefits of using a trading company?
It negotiates with the government to get the best deals.
It handles all manufacturing services
It facilitates all marketing aspects of a transaction
It develops advertising campaigns for the advertising firm.
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If the nominal rate of interest is 2.5 percent and the inflation rate is 7.5 percent, then the actual real rate of interest is equal to:___.
According to the given information, The actual real rate of interest is 1.833%.
What is the Inflation rate?The Inflation rate refers to the rate of goods and services increase over a particular period of time.
The rate of inflation may be calculated by calculating the percentage of base year prices, which can fluctuate depending on the choices made by the economist.
According to the question, the nominal rate of interest is 2.5% and the inflation rate is 7.5 percent.
The real rate of interest can be calculated with the help of the following formulae:-
=(1+i) = (1+r)(1+p)=(1+r) = (1+i)/(1+p)= r = (1+i)/(1+p) - 1
Where,
r = real interest rate
i = nominal interest rate,
and p = inflation rate
r = (1+7.5)/(1+2)−1=3.5/3 −1=1.833
Thus, the real interest rate is 1.833%.
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What would happen to the equilibrium price and quantity of macaroni and cheese if consumers' incomes fall and macaroni and cheese is an inferior good?
The equilibrium price and quantity of macaroni and cheese if consumers' incomes fall and macaroni and cheese are an inferior good, would increase.
A sort of good whose demand decreases as income increases is known as an inferior good. In other words, consumer income and the demand for subpar goods are inversely related.
Anything that a consumer would purchase less of if they had a better level of real income is considered an inferior good, which is the polar opposite of a normal good. They might also be connected to people who are typically from lower socioeconomic classes. In contrast, when earnings drop or the economy weakens, the demand for subpar goods rises.
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Which account types are listed in order of permanence in a classified balance sheet?
Equity account types are listed in order of permanence in a classified balance sheet.
What is balance sheet?
A balance sheet is a summary of the financial positions of a person or an organization in financial accounting, regardless of whether they are a sole proprietorship, a business partnership, a corporation, a private limited company, or another type of organization like the government or a not-for-profit entity.
Therefore,
Equity account types are listed in order of permanence in a classified balance sheet.
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A company is using the aws cli and programmatic access of amazon rds resources from its on-premises network. what is a mandatory requirement in this scenario?
Using an AWS access key and a secret key is a mandatory requirement in this scenario.
An access key offers programmatic get entry to in your sources. which means that you ought to shield the get entry to key as cautiously because the AWS account root user signal-in credentials. it's a satisfactory exercise to do the subsequent: Create an IAM consumer, after which outline that consumer's permissions as narrowly as possible.
In an internet browser, an access key or accesskey lets in a laptop consumer without delay bounce to a selected net web page thru the keyboard. They had been added in 1999 and quick accomplished near-normal browser help.
Access keys supply IAM users the potential to hook up with Amazon EC2 instances. Therefore rotating those often (as an example, each ninety days) is one of the key steps in protecting your assets from unauthorized get right of entry to.
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What are financial markets, where debt securities with maturities of one year or less are issued and traded, called? secondary markets
Financial markets, where debt securities with maturities of one year or less are issued and traded, are called money markets.
The Financial market is a prepared alternate marketplace in which individuals can lend and borrow short-time period, exquisite debt securities with common maturities of twelve months or less. It allows governments, banks, and different massive establishments to promote short-time period securities to fund their short-time period coins waft needs.
A Financial market is a marketplace wherein human beings alternate economic securities and derivatives at low transaction costs. Some of the securities consist of shares and bonds, uncooked substances, and treasured metals, which might be recognized withinside the economic markets as commodities.
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A local newspaper ran a survey by asking, do you support the development of a weapon that could kill millions of innocent people?' determine whether the survey question is biased and why
Yes - It makes use of phrases like "innocent" and "millions" to arouse pity and encourage you to oppose the development of such a weapon.
What is Weapon development?
Military technology is a field that necessitates a significant discussion on engineering ethics due to the scale of expenditures, direct or indirect involvement of engineers, and inventive innovations. Some engineers experience moral problems as a result of their involvement in the production of weapons, such as the realisation that their company's production of weapons would be carried out by someone else if they didn't, and that their actions would not affect the outcome.Even if working in a facility that produces harmful chemicals can make you feel bad, the thought of doing rid of this terrible thing after you take over as CEO of the business gives you the impression that you are doing the right thing—even if you don't actually end up doing it.To know more about Local newspaper visit:
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Which pillar focuses on the ability to protect information, systems, and assets while delivering business value through risk assessments and mitigation strategies?
The security pillar protects data, systems, and assets while creating business value through risk analyses and mitigation techniques.
Business value is a management term that refers to all types of value that impact the company's long-term health and prosperity. Business value is an estimate of a company's health and prosperity based on the measurement of both tangible and intangible factors such as financial assets and utility, as well as employee, customer, supplier, and societal value.
The value of a business is calculated using a simple formula: assets minus liabilities. Your company's assets are any items of value that can be exchanged for money, such as inventory, real estate, or equipment. Liabilities are financial obligations incurred by a business.
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If the market equilibrium is at price = $2/lb, and the government imposes a price of $1.50/lb, we will have a:__________
If the market equilibrium is at price = $2/lb, and the government imposes a price of $1.50/lb, there will be a shortage of a good .
What is meant by Market Equilibrium ?
Market supply and demand must be balanced in order for prices to remain steady. This is the state of equilibrium. A surplus of goods or services generally leads to lower pricing, which increases demand, whereas a shortfall or undersupply raises prices, which decreases demand.
An equilibrium is reached as a result of the balanced impact of supply and demand.
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You are planning to save for retirement over the next 15 years. To do this, you will invest $1,100 a month in a stock account and $500 a month in a bond account. The return on the stock account is expected to be 7 percent, and the bond account will pay 4 percent. When you retire, you will combine your money into an account with a 5 percent return. How much can you withdraw each month during retirement assuming a 20-year withdrawal period?.
You are planning to save for retirement over the next 15 years. To do this, you will invest $1,100 a month in a stock account and $500 a month in a bond account.
You are planning to save for retirement over the next 15 years. To do this, you will invest $1,100 a month in a stock account and $500 a month in a bond account. The return on the stock account is expected to be 7 percent, and the bond account will pay 4 percent. When you retire, you will combine your money into an account with a 5 percent return. How much can you withdraw each month during retirement assuming a 20-year withdrawal period.
step 1, find the future value of your deposits
Find fv of stocks, pmt=-1100, i=7/12, n=15*12=180, and compute fv=348658.53 as below
FV = PV[(1+r)^n - 1] / r
= 1100 [(1+0.005833333)^180 - 1 ]/ 0.005833333
= 348658.5264
Find fv of bond, pmt=-500, i=4/12, n=15*12=180, and compute fv=123045.24
FV = PV[(1+r)^n - 1] / r
= 500 [(1+0.003333333)^180 - 1 ]/ 0.003333333
= 123045.2441
This gives a total of 471703.77.
Use this fv as the new pv in 15 years and solve for payment. pv=471703.77, n=20*12=240, i=5/12, fv=0, and compute the pmt = 3113.04
PV = P [(1 - (1+r)^-n] / r
471703.77 = P [(1 - (1+0.004167)^ -240] / 0.004167
471703.77 = P * 151.5253
P = 471703.77 / 151.5253
P = 3113.036 i.e. 3113.04
Retirement refers to the time of life when one chooses to permanently leave the workforce behind. The traditional retirement age is 65 in the United States and most other developed countries, many of which have some kind of national pension or benefits system in place to supplement retirees' incomes. Retirement is the most happiest thing to an employee in an organization .
Full retirement age is when an individual can collect the maximum amount of Social Security benefits, which is typically age 67 if you were born in 1960 or later. However, Social Security benefits are reduced for those who decide to retire early.
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What is the purpose of giving teachers tenure after they teach satisfactorily during a probationary period?
The purpose of giving teachers tenure after they teach satisfactorily during a probationary period is to protect teachers from arbitrary and unfair dismissal.
What do you understand by tenure?
When working for one company over an extended period of time, then the employee is considered a long-tenured employee. This serves several advantages and disadvantages for working professionals. Knowing what tenure is and how it works helps you determine whether you should stay with your current employer for a long period or change jobs more frequently.
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Contribution margin is ______. all revenues minus all costs sales revenue minus variable costs sales revenue minus cost of goods sold sales revenue minus fixed costs
Contribution margin is sales revenue minus fixed costs
The contribution margin can be expressed in either gross or per-unit terms. After subtracting the variable portion of the company's costs, it represents the additional revenue raised for each product/unit sold.
The contribution margin is calculated by subtracting the selling price per unit from the variable cost per unit. The measure, also referred to as dollar contribution per unit, indicates how a specific product contributes to the total profit of the company.
It shows the percentage of sales that assist to cover the company's fixed costs and provides one manner to show the profit potential of a specific product offered by a company. Profit is defined as any remaining revenue after covering fixed costs.
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Answer: sales revenue minus variable costs
Explanation:
The ordering and transportation cost c for the components used in manufacturing a product is?
The approximate ordering and shipping cost C for components utilized in a manufacturing process is. Where C is expressed in thousands of dollars and x is the order size in hundreds, C(x)=10(1x+xx+3)
The total cost of transportation includes all fees associated with moving workers, finished goods, and raw materials. Making sure all moving components are where they need to be in order for your consumers to receive their goods or services on time costs money. You should now total up all of your transportation-related expenses. Take a look at the costs associated with hiring drivers, buying or leasing vehicles, leasing specific permits, outsourcing jobs, and any other transportation-related operation. To calculate the overall cost of transportation, add all of them together. Travel expenses, which comprise all costs related to business travel such as taxi fares, fuel, parking fees, hotel, meals, tips, cleaning, shipping, and telephone charges, are a subset of transportation expenses.
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When conducting a geriatric assessment, basic activities of daily living (adls) include:________
When conducting a geriatric assessment, basic activities of daily living (adls) include bathing.
What is geriatric assessment?Doctors use a geriatric assessment as a tool to gauge a patient's health and wellbeing. It examines your physical health, diet, other medical conditions, mental health, and the level of social support you receive at home.
The six main elements of a comprehensive geriatric assessment are data collection, team discussion, development of a treatment plan, implementation of a treatment plan, monitoring, and revision of the treatment plan as necessary.
There is no age at which a patient is technically considered older, despite current definitions of geriatric. Deficits in geriatric assessment may also have consequences for younger patients.
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If the price of a good's complement rises, _____ for the good whose price did not change will decrease.
If the worth of a good's complement rises, Demand for the great whose price did not change will decrease.
What is demand explain?
Demand is that the quantity of consumers who are willing and able to buy products at various prices during a given period of time. Demand for any commodity implies the consumers' desire to accumulate the good, the willingness and skill to pay for it.
What is demand in the market?
Market demand is that the specific quantity of a product that consumers can afford and want to buy at the given price of that product or service. Market demand affects businesses and consumers alike by determining production and helping to guide competition within the marketplace.
What is the basic law of demand?
The law of demand may be a fundamental principle of economics that states that at a higher price, consumers will demand a lower quantity of an honest . Demand springs from the law of diminishing marginal utility, the very fact that consumers use economic goods to satisfy their most urgent needs first.
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Assume+you+sold+short+100+shares+of+common+stock+at+$70+per+share.+the+initial+margin+is+50%.+what+would+be+the+maintenance+margin+if+a+margin+call+is+made+at+a+stock+price+of+$85?
Assume you sell short 100 shares of common stock at $45 per share, with initial margin at 50%. What would be your rate of return if you repurchase the stock at $40 per share? The stock paid no dividends during the period, and you did not remove any money from the account before making the offsetting transaction.
[tex]22.22%[/tex]
Profit on stock =[tex]($45 - $40) × 100 = $500[/tex]
$500/$2,250 (initial investment) =[tex]22.22%.[/tex]
**Initial Investment: [tex]$45 x 100 x .50 = 2250[/tex]
The term "stock" (also known as "capital stock") in finance refers to the shares into which ownership of a company or corporation is divided. (Especially in American English, the word "stocks" is also used to refer to shares.) One share of the stock represents fractional ownership of the corporation in relation to the total number of shares. This typically confers the shareholder (stockholder) with the right to a certain percentage of the company's earnings, proceeds from the sale of company assets (after all senior claims, such as secured and unsecured debt, have been satisfied), or voting rights, with these rights frequently being distributed in accordance with the amount of money that each stockholder has invested.
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For which types of organizations is the fasb responsible for establishing accounting and financial reporting standards?
Establishing accounting and financial reporting standards for businesses and nonprofit organizations in the United States in accordance with generally accepted accounting principles (GAAP) is the responsibility of the Financial Accounting Standards Board (FASB), an independent nonprofit organization.
What is Financial Accounting Standards Board?
For both public and private businesses as well as nonprofit organizations, the Financial Accounting Standards Board has the power to create and interpret generally accepted accounting principles (GAAP) in the US. Companies, charity organizations, and governments should adhere to a set of standards known as GAAP when creating and presenting their financial statements, including any related party transactions. The FASB is acknowledged as the organization that sets accounting standards for public firms by the Securities and Exchange Commission (SEC). State accounting boards, the American Institute of Certified Public Accountants (AICPA), and other groups in the industry also acknowledge it.
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The calendar that is used for secular purposes in the industrial world today is the?
The calendar that is used for secular purposes in the industrial world today is the Gregorian calendar.
A calendar is a gadget of organizing days. this is carried out by using giving names to periods of time, usually days, weeks, months and years. A date is the designation of a single, precise day within this type of system. A calendar is likewise a bodily document of any such device.
A calendar is a chart or tool which shows the date and the day of the week, and frequently the entire of a particular year divided up into months, weeks, and days. there has been a calendar at the wall above, with huge squares around the dates.
A calendar is handy for regulating civil existence and spiritual observances and for historical and scientific purposes.
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An example of a financial market is the ________.
a) gdp deflator
b) market fiat
c) market nasdaq
d) stock market
e) liability market
Stock Market is an example of financial market. Thus option D is correct.
The term securities market refers to many exchanges during which shares of publicly held companies are bought and sold. Such financial activities are conducted through formal exchanges and via over-the-counter (OTC) marketplaces that operate under an outlined set of regulations. Both “stock market” and “stock exchange” are often used interchangeably. Traders within the exchange buy or sell shares on one or more of the stock exchanges that are a part of the securities market. The leading U.S. stock exchanges include the the big apple stock market (NYSE) and also the Nasdaq. Stock markets are components of a free-market economy because they permit democratized access to investor trading and exchange of capital.
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