Anne bought an annuity from an insurance company that promised her $18,000 per year for the next ten years. Anne should include $4320 of the first $18,000 payment in gross income.
Most individuals have insurance, whether it's for their car, their home, or even their life. But most of us don't give much thought to what insurance is or how it works. Simply put, insurance is a contract, represented by a policy, in which a policyholder receives financial protection or payment from an insurance company in the event of a loss. The company pools its clients' risks in order to make payments more cheap for the insured.
Insurance plans are intended to protect against the risk of financial losses, both large and minor, that may arise from harm to the insured or their property, or from liability for damage or injury caused to a third party.
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g what is a control system component?question 21 options:spc metricinternal auditstandard or goalattribute
A control system is a collection of numerous parts connected as a unit to guide or regulate itself or any other system in order to generate a specified output. We all know that controlling is the act of regulating or guiding. Hence, the metric internal audit standard or goal attributes all the given options are correct.
What is the component of system control?Executives may use organizational control systems to assess how effectively their organization is operating, identify areas of concern, and then take action to resolve those problems. Executives can choose from three fundamental forms of control systems: (1) output control, (2) behavioral control, and (3) clan control.
A typical motion control system consists of four fundamental components. The controller, amplifier, actuator, and feedback are the four components. The intricacy of each of these pieces will differ depending on the application for which they are created and built.
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The taco bell employee’s quote supports schlosser’s argument in this excerpt because it.
The Taco Bell employee's quote supports Schlosser's argument during this excerpt because it emphasizes the obsession with consistency and standardization within the aliment business.
The taco bell employee's quote supports Schlosser's argument during this excerpt because of providing personal opinions regarding the operation.
The excerpt from aliment Nation that best illustrates the author's use of the rhetorical charm logos is "English is currently the second language of a minimum of a common fraction of the nation's eating house staff, and regarding the simple fraction of that cluster speaks no English at all."
The primary tenets he uses are unit logos, pathos, and ethos. One of the tenets of rhetoric that he uses is logos, which is an act of persuasion.
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the degree to which members of a team differ from one another is referred to as team multiple choice question. diversity. interdependence. viability. composition.
Diversity refers to the degree to which team members differ from one another. Here option A is the correct answer
Diversity refers to a spectrum of individuals with different racial, ethnic, socioeconomic, and cultural backgrounds as well as different lives, backgrounds, and interests.
Multiple advantages exist for human growth in a diverse setting. It can assist in dispelling old misconceptions in addition to helping people become more welcoming and knowledgeable of other cultures. Because of the exponentially increased capacity for learning from and growing alongside one another, diversity and inclusion foster productivity.
Every country, every culture, and every single person see the world from a different angle. Every culture, country, and individual also has unique information, viewpoints, and points of view.
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competitive strategies are intended to: group of answer choices improve a firm's ability to challenge other firms. improve capital productivity. improve both labor and capital productivity. reduce the firm's debt levels. reduce competitors' prices.
Competitive strategies are intended to ; improve a firm's ability to challenge other firms.
Hence, Option A is correct.
What do you mean by Competitive strategies ?
Competitive strategy is a long-term action plan of firms in order to gain a competitive advantage over its competitors in the business market. It is used to improve position in market and generate a greater Return on Investment (ROI). The objective is to win the customers’ hearts through satisfying their needs and to attain competitive advantage as well as out-compete the competitors and rival companies.
Four Types of Competitive Strategy
Cost Leadership StrategyDifferentiation Leadership StrategyDifferentiation focusCost focusTherefore, Competitive strategies are intended to ; improve a firm's ability to challenge other firms.
Hence, Option A is correct.
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oliver's company (oc) produces batches of chicken and beef organic dog food. each time oc switches production from chicken to beef it incurs set-up costs. it takes 316 set-ups to create the chicken dog food and 340 set-ups to create the beef dog food. using activity based costing, there is an allocation rate of $20 per set-up. based on activity based costing, what amount of set-up costs should be allocated to the chicken dog food?
$6,320 is the number of set-up costs that should be allocated to the chicken dog food.
= cost per each set up × totals ups
= 20 × 316 = 6320
Food is a substance consisting essentially of protein, carbohydrate, fat, and other nutrients used in the frame of an organism to preserve boom and important processes and to provide power.
And while true meals are nutrient-dense it's also tasty and visually attractive. true food way that enhances the circumstance of its clients and growers; its production maintains the health of the environment even as generating income for the grower.
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buffelhead's stock price is $238 and could halve or double in each six-month period. assume that you own a one-year american put option on buffelhead stock with an exercise price of $238. the interest rate is 19% a year. a. would you ever want to exercise an american put early? multiple choice yes no b. calculate the value of the buffelhead american put. (do not round intermediate calculations. round your answer to 2 decimal places.) c. calculate the value of the put if it had been european-style. (do not round intermediate calculations. round your answer to 2 decimal places.)
The Bufflehead stock option will have a positive value when the stock price is below the strike price, and a negative value when the stock price is above the strike price. If the stock price doubles, the option will have a negative value. If the stock price halves, the option will have a positive value.
a.)Yes, if the stock price decreases below the exercise price, the holder of the put option would want to exercise the option in order to sell the stock at the higher exercise price.
b.) The possible prices of Bufflehead stock and the associated American put option values (shown in parentheses) are:
Let p equal the probability of a rise in the stock price.
Then, if investors are risk neutral:
p(1.00) + (1 – p) × (–0.50) = 0.10
p = 0.4
If the stock price in month 6 is $110, and if the American put option is not exercised, it will be worth:
[(0.4 ´ $0) + (0.6 ´ $165)]/1.10 = $90
On the other hand, if it is exercised after six months, it is worth $110. Thus, the investor should exercise the put early.
Similarly, if the stock price in month 6 is $440, and if the American put option is not exercised, it will be worth:
[(0.4 ´ $0) + (0.6 ´ $0)]/1.10 = $0
On the other hand, if it is exercised after six months, it will cost the investor $220. The investor should not exercise early.
Finally, the value today of the American put option is:
[(0.4 ´ $0) + (0.6 ´ $110)]/1.10
= $60
c.)The European put, value at that point is $90 because the European put cannot be exercised early.
Therefore, the value of the European put is:
0.4 ´ $0) + (0.6 ´ $90)]/1.10
= $49.09
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patton is the hr manager for shady lane manufacturing. he knows there is often a lot of dust particles floating around the assembly line due to the production process. how can he ensure that the company is compliant with osha requirements?
In order to protect the workers' health, OSHA mandates that respirators or filters be provided if the dust particles are dangerous and present in large quantities.
What is an advantage of hiring contingent workers ?
Flexibility and cost savings are the two main advantages of hiring contingent labor versus core personnel. Contingent workers, also known as independent contractors, contract workers, freelancers, gig workers, consultants, temporary talent, or remote workers, are non-permanent, outsourced employees. Since they are not core employees, contingent workers are not handled according to a conventional employment paradigm.
While a contingent worker may work on-site or remotely, after their contract expires or the project they were employed for is over, the employer is not obligated to continue hiring them or to pay them on a permanent basis. Because they are not core employees, employers only hire contingent workers for temporary, permanent, or project-based positions.
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if an advertising campaign is aimed at increasing brand awareness and consumers' knowledge of a product's features, the advertising objective should be stated in terms of group of answer choices
If an advertising campaign is aimed at increasing brand awareness and consumers' knowledge of a product's features, the advertising objective should be persuasive advertising.
Consumers' preferences and interests are used by persuasive advertising to persuade them to buy a good or service. This type of advertising frequently emphasizes the advantages the product or service can provide the consumer.
Without being overly educated and informational, persuasive advertising can help you pique the curiosity of your primary target audiences and persuade them to try your product.
When used effectively, persuasive advertising may significantly increase brand loyalty and appeal to a wider audience. We'll discuss persuasive advertising in this article and explain how it differs from other digital advertising strategies.
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a monopolistically competitive firm maximizes profit in the short run by producing where group of answer choices price is greater than marginal cost. price is less than marginal revenue. price is less than average revenue. price is less than marginal cost.
A monopolistically competitive company optimises profits or minimises losses in the short run by producing the amount where marginal revenue equals marginal cost. The company will make an economic profit if the average total cost is lower than the market price.
How do monopolistic businesses generate profits over the short and long terms?
To maximise profits or reduce losses, a company in monopolistic competition produces the quantity at the point when marginal revenue equals marginal cost. The company will turn a profit if the equivalent.
The output level that guarantees the marginal cost (MC) matches the marginal revenue (MR) connected to the demand curve results in the most lucrative pricing for the monopoly.
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What will be the general impact on janet’s amortization schedule by making this single larger payment?.
She will pay more total interest, making her trip cost more overall.
How can amortization be explained?
The process of dividing a loan into a series of fixed payments is known as amortization. At the conclusion of the payment plan, the loan is paid off. Your loan balance and interest costs each receive a portion of each payment. You pay less interest and more toward your balance over time.
What is 6 percent on a loan of $300,000?
For instance, a $30,000 loan with a 36-month term and 6% interest costs $2,856.The same loan—$30,000 at 6% interest rate—would cost $5,797 in interest over 72 months to repay.
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metro holding company agrees to sell a vacant lot to new town property llc. the contract provides that if metro does not close the deal by october 15, it must pay new town one-half of the contract price. this provision is not enforceable because it is
The Metro Holding Company agrees to sell a vacant lot to New Town Property LLC. If the deal is not finished by October 15, Metro is required by the contract to pay New Town half of the agreed-upon amount. This clause is unenforceable since it contains a penalty provision.
An example of a penalty clauseA penalty clause is a provision in a contract that establishes disproportionately high liquidated damages as punishment for breaching the terms as opposed to an accurate prediction of the harm the violation would result in.
What wording should be used in a penalty provision to make it enforceable?Make sure that the innocent party fulfills the principal responsibility in a way that is appropriate for any legitimate interests that may be present.
Check to see if there is a true estimation of
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in order to accumulate enough money for a down payment on a house, a couple deposits $300 at the end of each month into an account paying 6% compounded monthly. if payments are made at the end of each period, how much money will be in the account in 5 years?
If payments are made at the end of each period, the account will have 20931.01 for 5 years.
Future value is the value of an investment or asset at a specific date in the future. Simply put, future value is the amount that a given investment will be worth after a certain period of time, assuming a particular rate of return.
A deposit is an amount a buyer pays at the beginning of the purchase of expensive goods or services.
PMT = 300
R = 6%
M = 12
T = 5
T = R/M
= 0.6/12
= 0.005
N = MT
= 12 × 5
= 60
FV = PMT(1 + 0.005)^60 -1 /0.005
= [tex]300\frac{(1 + 0.005)^{60} -1}{0.005}[/tex]
= 20931.01
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if the government increases taxes, what happens to the price index and the actual real gdp holding all else constant? group of answer choices in this case, the price index decreases and the actual real gdp decreases. in this case, the price index increases and the actual real gdp increases. in this case, the price index increases and the actual real gdp decreases. in this case, the price index decreases and the actual real gdp increases.
The ability to track the Gross Domestic Product's (GDP) growth over time, or lack thereof, is one of the main advantages of doing so. However, since prices are based on the money supply, which varies independently of GDP from year to year
The GDP measured by actual prices, which are not prorated for inflation, is known as nominal GDP. To accurately compare the economic output of one year to another, the real GDP measures output in constant dollars. Even if the real GDP remained constant, since prices fluctuate annually, GDP would as well.Similar to how the Consumer Price Index (CPI) is calculated using information gathered by the government, the GDP deflator is based on a GDP price index. Compared to the CPI, the GDP index covers a much wider range of goods and services, including those purchased by businesses. The GDP index includes capital goods, government purchases, as well as goods and services that are traded internationally, whereas the CPI only includes consumer goods and services.
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7during a resuscitation, the team leader assigns team roles and tasks to each member. you recognize that a task has been overlooked. which is the most appropriate action?
The most appropriate action to be taken is to full the overlooked role.
Playing the vacant position in this situation would be the wisest move. If the team leader has skipped a role, the other team members must fill it as soon as possible, providing they are not already preoccupied with another responsibility, because every second counts during a resuscitation and every team member has been trained to manage these scenarios. It will save time and possibly even a life.
It is sufficient to perform compression-only CPR on someone who has had a heart attack. The practice of mouth-to-mouth resuscitation is not required. The American Heart Association states that for someone who has experienced a sudden heart attack in an outpatient setting, compression-only CPR is sufficient.
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which u.s. department of veterans affairs program allows a veteran to refinance a conventional loan to a va loan?
VA streamline is the program allows a veteran to refinance a conventional loan to a VA loan.
Conventional loan:
Conventional loan means any mortgage loan that is not insured or guaranteed by the government.
Given,
Here we need to find in which US department of veterans affairs program allows a veteran to refinance a conventional loan to a VA loan.
The process called VA streamline allows a qualified borrower to refinance to a lower interest rate at less cost and with less paperwork compared to what was originally required for the conventional loan.
So, the answer for this one is VA streamline.
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which citation in the professional standards outlines the auditor's responsibility regarding obtaining a written representation letter from management under these circumstances?
PCAOB AS 2201 Par. 87 citation in the professional standards outlines the auditor's responsibility regarding obtaining a written representation letter from management.
This standard establishes requirements and provides guidance for auditors who are hired to perform an audit of management's assessment1 of the effectiveness of internal control over financial reporting ("the audit of internal control over financial reporting") in conjunction with an audit of the financial statements.
Internal control over financial reporting that is effective offers reasonable certainty about the dependability of financial reporting and the compilation of financial statements for external purposes. If the firm has one or more major vulnerabilities, its internal control over financial reporting cannot be regarded effective.
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carver inc. purchased a building and the land on which the building is situated for a total cost of $813,900 cash. the land was appraised at $177,837 and the building at $758,148. required what is the accounting term for this type of acquisition? determine the amount of the purchase cost to allocate to the land and the amount to allocate to the building. would the company recognize a gain on the purchase? record the purchase in a horizontal statements model.
The company recognize a gain on the purchase of 77% to record the purchase in a horizontal statements model .
Land and buildings refer to all properties located inside an economy, with the exception of those controlled by foreign governments (such as embassies), which are customarily regarded as inhabitants' properties.
When numerous assets are purchased for a single cost, this is known as a lump-sum buy. Each asset must be documented separately as a fixed asset in the accounting records; to do this, the purchase price is divided among the numerous acquired assets based on their fair market values.
Computation:
Land $231147/1004985 * 873900
Building $773838/1004985 * 873900
Allocation cost
$200,997
$672903
Calculate the percentage of each component as follows:
Percentage of Land = Cost of land/Total appraised value x100
= $231,147/ ($231.147+$773.838)
= 23%
= Percentage of Building = Cost of Building/Total appraised value x100
= $773,838/ ($231,147+$773,838)
= 77%
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a treasury bill with 119 days to maturity is quoted at 97.630. what are the bank discount yield, the bond equivalent yield, and the effective annual return?
The effective annual return is 7.64%, the bond equivalent yield is 2.37%, and the bank discount yield is 2.37.
Discount yield = 7.17%
Bond equivalent yield = 7.34%
Effective annual yield = 7.64%
Discount yield = discount/face value × 360/t
Where t is the time until maturity.
Discount = face value - face value
Discount = 100 - 97.63
Discount = 2.37
Discount yield = 2.37/100 × 360/119
Discount yield = 7.17%
Bond equivalent yield = (1 + periodic yield)^360/t - 1
Periodic yield = discount/face value
= 2.37 ÷ 100 = 2.37%
Bond equivalent yield = [tex](1 + 2.37)^{(\frac{360}{119})} - 1[/tex]
Bond equivalent yield = 7.34%
Effective annual yield = (1 + HPY)^365/t - 1
Holding period yield (HPY) = Discount/Price
= 2.37 ÷ 97.63
Holding period yield = 2.43%
Effective annual yield = [tex](1 + 2.43)^{\frac{365}{119} } - 1[/tex]
Effective annual yield = 7.64%
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question content area each document in the cost ledger of a service business is called a a.materials requisition b.job cost sheet c.finished goods sheet d.stock record
Question content area each document in the cost ledger of a service business is called job cost sheet.
Which expense ledger document is referred to as a?A task cost sheet is the name of each document in the cost ledger. Work being done: 1 balance equals 275000.
What is recorded in the cost ledger?The cost account's main ledger is the cost ledger. It is comparable to the main ledger in financial accounting and contains all impersonal accounts. The main advantages of cost ledgers are that they provide a summarized record of expenses in several ledgers, making it easier to manage material, labor, and overhead costs.
Which of the following qualifies as a job order cost system feature?It does not have the characteristics of a job order costing system; instead, it accumulates expenses for each department inside the factory.
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misappropriation of assets is a fraudulent act that involves group of answer choices dishonest conduct by those in power. misrepresenting facts to promote an investment. using computer technology to perpetrate a crime. theft of company property.
Misappropriation of assets is a fraudulent act that involves theft of company property.
In asset management, the challenges faced in addition to maximizing the life cycle of the asset itself are errors, misappropriation of assets and financial statement fraud on assets under management.
Mistakes are common in various managements, errors in asset management are caused by unintentional mistakes, in contrast to misuse and fraud which have an intentional element. These things lead to company losses in terms of assets.
Understanding Missappropriation of AssetsMisappropriation of company assets or assets is an illegal act which is often also referred to as embezzlement of assets or theft of assets. For example, embezzlement of company cash, use of facilities for personal gain, fraudulent expenditure of company expenses.
The embezzlement of large amounts of assets will adversely affect the company's cashflow. If not immediately detected and prevented, this will become a new culture that is detrimental to the company.
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What economics topics will i find in the end of year exams. Help anyone.plese hell
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according to the wealth effect, aggregate demand slopes downward (negatively) because a. lower prices increase the value of money holdings and consumer spending increases. b. lower prices decrease the value of money holdings and consumer spending decreases. c. lower prices increase money holdings, decrease lending, interest rates rise, and investment spending falls. d. lower prices reduce money holdings, increase lending, interest rates fall, and investment spending increases.
The wealth effect states that because decreasing prices improves the value of money holdings and boosts consumer spending, aggregate demand slopes downward (negatively). The right response in this case is option A.
As people's wealth grows, they will spend more money. Thus, at lower price levels compared to higher price levels, the consumption component of aggregate demand will be stronger.
According to the "wealth effect," when household wealth increases due to an increase in asset values, such as housing or corporate stock prices, they increase their spending and boost the whole economy.
With rising prosperity, certain products see a decline in demand. Think about eating steak as opposed to inexpensive fast food. A person's desire for inexpensive fast food is likely to decline as their income rises, while their desire for more expensive steak may increase.
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1. Describe how SaksFirst builds loyalty for Saks Fifth Avenue.
SaksFirst built loyalty for Saks Fifth Avenue by broadening its reach and offering more benefits like:
free membership for cardholders without minimum spending earning points toward SaksFirst card with first purchases and free shipping from Saks stores.How do brands build loyalty?Customers only continue to buy or patronize a brand if they feel they can trust the company, this is brand loyalty. Loyalty can be achieved through engaging customers, being reliable, keeping the price reasonable and incentives.
In the case of SaksFirst, they built loyalty by offering free memberships to Saks Fifth avenue customers, giving points for first card purchase and free shipping.
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the tangibles that make up the service, such as buildings, landscaping, vehicles, furnishings, signage, brochures, and equipment, comprise which element of the seven ps of services marketing?
The tangibles that make up the service, such as buildings, landscaping, vehicles, furnishings, signage, brochures, and equipment, comprise the "physical evidence" element of the seven ps of services marketing.
The seven Ps of marketing are:
productprice promotionplacepeopleprocess and physical evidence/proofPhysical evidence demonstrates both the existence of your brand and the fact that a transaction occurred. If your company just does business online, a website would be an example of proof of your brand's existence, as would printed business cards you hand out when you meet new people.
Physical or electronic receipts, invoicing, or follow-up email newsletters you send to consumers as a retention strategy are a few examples of proof of purchases.
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which ratios measure liquidity? (select all that apply.) multiple select question. debt to asset ratio debt to equity ratio current ratio quick ratio times interest earned ratio
Liquidity is measured by a quick ratio as well as a current ratio.
So, the correct option is C&D.
Both the quick ratio and the current ratio are measures of liquidity. The current ratio simply calculates how many times the current assets can cover the current liabilities by dividing the current assets by the current liabilities. The quick ratio is more conservative and does not factor in inventory when calculating it.
A company's capacity to settle its short-term debt obligations is assessed using a liquidity ratio. These three liquidity ratios—the current ratio, quick ratio, and cash ratio—are the most important ones. Investors and creditors look for a company with a liquidity ratio that is greater than 1.0 when evaluating it. The ability of the business to pay off short-term debt obligations is gauged by liquidity ratios. They can be used to determine a company's ability to settle debts with lenders and pay vendors.
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a company is considering buying a component part that they currently make. items related to the equipment being used to make the component that are relevant to this decision include blank . multiple select question. annual depreciation charges original cost salvage value alternative uses for the equipment
Annual depreciation cost original cost of alternative uses for equipment salvage value Alternative uses for the equipment salvage value.
Depreciation cost is the process of reducing the total cost gradually from the initial value of the company's assets This depreciation is not carried out in one accounting period. Instead, it is done from time to time according to the useful life of your assets. When you depreciate an asset, you can plan how much money is written off each year, giving you more control over your finances.
The number of years in which you depreciate something is determined by its useful life (for example, a laptop is useful for about five years). For tax depreciation, different assets are sorted into different classes, and each class has its own useful life. If your business uses a different depreciation method for your financial statements, you can decide on the useful life of the asset based on how long you will use the asset in your business.
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the war on poverty: question 9 options: a) was a great success since in the decades since the 1960's the poverty rate has been cut in half. b) has not succeeded in lowering the poverty rate since the u.s. only spends about 1% of gdp on welfare programs. c) was initiated by president nixon during the vietnam war a means of decreasing poverty in third-world nations. the goal was to lessen the support for communism in poor countries. d) was started by president johnson in the mid 1960's. he got legislation passed to create government programs with the intention to help the poor escape poverty.
President Johnson launched the war on poverty in the mid-1960s. He was successful in getting laws approved to establish government initiatives to assist the underprivileged in escaping poverty. Thus, the right option is (d) was started by president johnson in the mid-1960s. He got legislation passed to create government programs with the intention to help the poor escape poverty.
What exactly is the War on Poverty?The unofficial term for legislation initially proposed by United States President Lyndon B. Johnson at his State of the Union speech in January 1964 is the "war on poverty." Johnson suggested this law in response to a national poverty rate of roughly 19%. The speech prompted the United States Congress to approve the Economic Opportunity Act, which established the Office of Economic Opportunity to oversee the local distribution of federal anti-poverty money. The forty initiatives established by the Act were all focused on eradicating poverty by improving living conditions in low-income communities and assisting the disadvantaged in accessing economic opportunities that had previously been denied to them.
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what is the primary business advantage of using email? group of answer choices increasing the speed of order entry. increasing the number of computers required in an office. providing the ability to inform and communicate with many people simultaneously, immediately, and with ease. providing the ability to have friends all over the globe.
Providing the ability to inform and communicate with many people simultaneously, immediately, and with ease is the primary business advantage of using email.
What is the primary benefit of emailing?
One of the key benefits of email is that you can send electronic things, like text documents, pictures, and data sheets, quickly and conveniently to several people at once by attaching the file to an email. Ascertain whether there is a size restriction on the email attachments you can send by contacting your internet service provider.
One of the key benefits of email is that you can send electronic things, like text documents, pictures, and data sheets, quickly and conveniently to several people at once by attaching the file to an email. Ascertain whether there is a size restriction on the email attachments you can send by contacting your internet service provider.
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if the reserve requirement is 5% and the fed increases reserves by $20 billion, what is the total increase in the money supply?
The total increase in the money supply will be $400 billion.
The money supply means the sum value of cost—cash, coins, and balances in bank accounts—in circulation. The money supply is generally explained to be a class of safe assets that households and businesses can use to make payments or to keep as short-term investments.
To know how much the total increase in the money supply, we can use this equation below:
Total increase in the money supply = increase in reserve/reserve requirements
Total increase in the money supply = 20/5% = $400 billion
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what is guardbanding? group of answer choices capturing mutual agreements on the work activity deliverables. when engineers set product specifications tighter than they need to be. keeping the workplace clean and neat by making cleaning a daily activity. a practice that uses point-of-sale scanner data to manage payment, promotion and replenishment.
Guard banding is a) when engineers set product specifications tighter than they need to be.
The region of acceptable values for the entity's quality characteristic is decreased proportionately to the actual measurement uncertainty or dispersion in guard-banding, one method for preventing incorrect conformity choices brought on by measurement uncertainty or entity dispersion.
Each specification limit is surrounded by a "guard-band" whose breadth is set to a portion of the measurement uncertainty. The guard-band rule states that conformance to specifications will be shown if the result, ym, of a measurement of the quality characteristic of the entity under test is in the range of permissible values. This is done to reduce customer risk.
Guard banding is a technique for reducing the likelihood of making a poor conformity choice.
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