Five years ago you took out a 30-year mortgage with an apr of 4.15% for $350,000. if you were to refinance the mortgage today for 15 years at an apr of 3.45%, The monthly payment will decrease by $104.79.
Refinancing occurs when the conditions of an existing loan are met, such as: B. Interest Rates, Payment Schedules, or Other Terms. Borrowers tend to refinance when interest rates fall. Refinancing involves reassessing a person's or business' credit and repayment status.
Refinancing is when a homeowner gets a new mortgage to replace their current mortgage. A new loan is meant to save you money or achieve another financial goal. For example, most people refinance to lower interest rates and pay less on their mortgage, often saving thousands of dollars in interest on their mortgage.
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if a specific set of importing steps will be performed frequently, how can that process be made more efficient?
Data is entered into a table using the datasheet view.
Is there a database object that retrieves particular data from multiple database objects?
A database object known as a query is one that retrieves particular data from one or more database objects known as tables or other queries.You can enter, edit, or display data from a table or a query using an Access object called a form.
Is it used for each and every piece of data in every record?
a method. a single piece of information that is formatted as a column in a database table and is stored in each record. a list of the table's field names. A field's characteristics that regulate how the field displays and how data can be entered.
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according to herzberg, what do managers try to achieve by providing hygiene factors at appropriate levels?
Herzberg believes that proper management of hygiene factors can prevent employee dissatisfaction, but these factors cannot serve as a source of satisfaction or motivation. Good working conditions, for example, will keep employees working but will not make them work harder.
Customer Satisfaction Is Satisfying consumer needs is the desire of every company. Meeting consumer needs is not only an important factor for the company's survival, but also enhances its competitive advantage. Consumers who are satisfied with products and services are likely to repurchase and reuse services when the same need reappears in the future. This means that satisfaction is the main consumer repurchase factor that accounts for most of the company's sales volume.
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ariffs on some products no longer serve their original purpose of protecting domestic producers but they are still levied by the government. what are these types of tariffs called?
Tariffs implemented to protect a domestic industry are known as protective tariffs. They intend to make imported items more expensive than identical domestically produced goods.
Hence increasing sales of domestically made goods and boosting local business. A tariff might be particular, ad valorem, or compound (a combination of the two). A specific duty is a tax levied on a certain amount of money per unit of import, such as $1 per yard or pound. Ad valorem duties, on the other hand, are calculated as a percentage of the import's value. Tariffs harm consumers by raising the cost of imported goods.
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which type of ethical responsibilities offers a model of corporate social responsibility that encourages all businesses to integrate ethical goals into their mission?
Ethical responsibilities related to sustainability offers a model of corporate social responsibility that encourages all businesses to integrate ethical goals into their mission.
What exactly does corporate social responsibility mean?The concept of corporate social responsibility (CSR) holds that businesses should give back to the community and take into account how their actions will affect the environment and the general public.
What are the CSR's benefits and drawbacks?A CSR policy increases the value and profitability of the business. Recycling garbage and implementing energy efficiency measures lower operating expenses and are environmentally friendly. CSR also promotes a company's accountability and openness with the media, shareholders, local communities, and financial analysts.
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which evidence-based forecasting methods are useful in turning market research results into sales forecasts? select one: a. chain ration analysis, swag analysis, analogy b. swag ratio, analogy, judgment c. observation, survey, long interview d. analogy, chain ratio analysis, judgment
Chain ration analysis, swag analysis, analogy evidence-based forecasting methods are useful in turning market research results into sales forecasts. Using historical data as inputs, forecasting is a process that produces accurate predictions of the future course of trends.
Businesses use forecasting to decide how to spend their budgets and make plans for the upcoming expenses. The term "business forecasting" describes the instruments and research employed to foresee changes in the business world, such as sales, expenses, and profits. The Business forecasting seeks to improve strategy by making more accurate predictions. By using forecasting, your business may actively shape its future.
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fong medical equipment recently paid $1.10 as its annual dividend. future dividends are projected at $1.06, $1.02, and $1.00 over the next three years, respectively. after that, the dividend is expected to decrease by 2 percent annually. what is one share of this stock worth at a rate of return of 17 percent?
Medical equipment can be used alone or in conjunction with any accessory, consumable, or other piece of medical equipment for the specific objectives of diagnosing and treating diseases, as well as for rehabilitation following illness or accident.
What is Medical equipment ?Examples include x-ray equipment, MRI and PET scanners, and ultrasound and CT scanners. Infusion pumps, medical lasers, and LASIK surgical equipment are all used during treatment. Equipment for life support is used to keep a patient's body functioning.Investing in stocks might be dangerous, but there are ways to lower your risk. For instance, research can assist you in making an informed choice about the potential performance of particular stocks. But remember that this is not a precise science. That's because a lot of unpredictable things, like emotions, market behavior, and world events, are at work.As a result, a company's stock may perform well or poorly. You'll need to calculate the gains and losses for your portfolio based on the result. In this post, we'll explain the fundamentals of computing gains and losses as well as some of the instruments at your disposal.To know more about Medical equipment please click here ; https://brainly.com/question/12690231
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what is the interest rate, i, per period? at the beginning of each quarter, a 50-year-old woman whose birthday is march 1st, deposits $1200 in a retirement account that pays 6% interest, compounded quarterly. how much is in the account when the woman turns 65 years old?
The amount in the account, when the woman turns 65 years old will be $114,358.
Given in the Question:
The woman deposits $1200 every quarter, her first deposit will be made on her 50th birthday, April 1st.
As of March 1, the woman will be 65 years old, so we must determine how much money will be in her account.
Calculate interest for the quarter ending December 31 of the previous year by using the following steps:
So, there will be a total of (14 x4) +3 = 56 +3 = 59 quarter periods.
To determine the Final deposit amount, we will use the formula:
FV = [tex]P\frac{x(1+i)^{n}-1) }{i} (1 +i)[/tex]
Where,
P = $1200
i = 0.06/4 = 0.015
n = 59
Therefore, we will compute:
FV = [tex]1200\frac{(1+0.015)^{59}-1) }{0.015} (1 +0.015)[/tex] = $114,358.
Hence, the amount in the account when the woman turns 65 years old = $ 114,358.
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a university issues a bond with a face value of $5000 and a coupon rate of 4.41% that matures on july 15, 2018. the holder of such a bond receives coupon payments of $110.25. how frequently are coupon payments made in this case?
Every year, there would be two coupon payments that frequently are coupon payments made in this case
Coupon payment is what
Coupon payments refer to the monetary sum that bondholders would periodically receive from the university (the bond issuer) until the bond expires. It is expected that the coupons would be paid annually or semi-annually as indicated by this analysis.
The frequency of coupon payments is unknown since the coupon payment and coupon rate are tightly associated. As a result, we may utilize the coupon received, the par value, and the coupon rate to estimate the number of times in a year that coupons will be paid.
Coupon receipt is Par Value times Coupon Rate and Coupon Frequency.
$101.25 after coupons
Par value is $5,000.
coupons = 4.41%
uncertain coupon frequency (let's assume it's X)
$110.25=$5,000*4.41%/X
$110.25=$220.50/X
X=$220.50/$110.25
X=2
Coupons would be issued twice annually, resulting in semi-annual coupon payments.
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time remaining 14 minutes 28 seconds00:14:28 item 19 time remaining 14 minutes 28 seconds00:14:28 which market is most likely to be characterized by oligopolistic competition in the united states?
The markets is most likely to be characterized by oligopolistic competition in the United States---- soft drinks.
What are the characteristics of oligopolies in economics?
Characteristics of oligopolies include high barriers to entry, pricing power, business interdependence, revenue maximization, product differentiation, and non-price competition.
What is the purpose of oligopolies?An oligopolistic market is a market where profit-maximizing competitors establish their strategies by paying particular attention to their competitors' possible reactions. Under these conditions, companies can differentiate their products, which may benefit some consumers but at a cost.
What is an example of oligopolistic competition?When one company sets a price, others respond in a way that keeps their customers buying. For example, if an airline reduces ticket prices, other players often follow.
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what is the yield to maturity of a(n) eight-year, $5000 bond with a 4.4% coupon rate and semiannual coupons if this bond is currently trading for a price of $4723.70?
The yield to maturity is 5.26%
Define yield to maturity.In essence, yield to maturity or YTM represents the internal rate of return (IRR) on a bond if held to maturity. It also goes by the name redemption yield. As the name implies, the rate of return that an investment will produce if it is held until its maturity date is yield to maturity.
Given:
Number of years = 8
N => Number of compounding periods = 8 × 2 = 16
FV => Face Value = $5,000
PV => Present Value = $4723
Percentage rate = 4.4%
PMT => Annuity Payment = Face Value × percentage
=> 5,000 × 0.044 = 220
Given that, it is semi annual rate, we have 220 / 2 = 110
discount rate = 2.6275 % per period
CPT YTM or I/Y => Yield to Maturity = 2.6275 × 2 = 5.255%
Hence, the final answer is 5.255%
= 5.26%
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if suppliers were to be rated on the following basis, what would be the ranking of the two suppliers listed?
A person, business, or organization that sells or provides goods or equipment to customers is a supplier.
What is an illustration of a supplier?A person, company, or other entity that provides goods or services to another entity is a supplier. One example of a supplier is a business that sells PCBAs to OEMs or laptop manufacturers.
Rank of Supplier A = (7*8+5*9+4*5+1*8)/(7+5+4+1) = 56+45+20+8/17 = 129 Rank of Supplier B = (7*9+5*5+4*7+1*4)/17 = 63+25+28+4/17 = 120 Rank of Supplier C = (weight of function*rating+ weight of cost*rating+weight of technical assistance*rating+weight of credit terms*rating
Weight A's ratings B's ratings B's ranking (weight *rating) Function 7 8 9 56 63 Cost 5 9 5 45 25 Technical assistance 4 5 7 20 28 Credit terms 1 8 4 8 4 Total rank 129 120
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Full Question = If suppliers were to be rated on the following basis, what would be the ranking of the two suppliers listed?
Rating of Suppliers Ranking of Suppliers
Factor Weight Supplier A Supplier B Supplier A Supplier B
Function 7 8 9
Cost 5 9 5
Technical Assistance 4 5 7
Credit Terms 1 8 4
antitrust laws in general are used to question 14 options: encourage oligopolists to pursue cooperative-interest at the expense of self-interest. prevent oligopolists from acting in ways that make markets less competitive. encourage frivolous lawsuits among competitive firms. encourage all firms to cut production levels and cut prices.
antitrust laws in general are used to Prevent oligopolists from acting in ways that make markets less competitive.
The antitrust legal guidelines proscribe illegal mergers and enterprise practices in standard phrases, leaving courts to decide which of them are illegal based totally on the data of every case. Courts have carried out antitrust legal guidelines to changing markets, from a time of horse and buggies to the prevailing virtual age.
It prohibits all agreements and conspiracies in restraint of alternate and commerce. those prohibited restraints consist of fee fixing, marketplace allocation, boycotts, bid rigging, and tying agreements. The Sherman Act additionally prohibits monopolizing or trying to monopolize any line of trade.
Antitrust legal guidelines shield opposition. unfastened and open opposition blessings, purchasers, by ensuring decreased expenses and new and better merchandise. In a freely aggressive market, every competing business commonly will try and entice purchasers with the aid of cutting its prices and growing the fine of its services or products.
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the term community refers to a company's area of local business influence. group of answer choices true false
The region of a business's influence on the local economy is referred to as its community.True.
What exactly is community economy?
Localized business activity is frequently referred to as a "community economy."We do not employ it in this manner.Our collective project challenges conventional definitions of "community" and "economy," resulting in a new way of understanding and engaging with work-and-life practices.
What effect does business have on the community?
To encourage more people to remain in the area, increasing the number of local businesses means creating more jobs.This not only lets people work closer to where they live, but it also improves the community's quality of life by making the community more self-sufficient, bringing people together, and raising city revenue.
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A minimum viable product is a prototype used to test ease-of-use and______
A. performance
B. viability
C. functionality
D. cost
Answer:
functionality C
Explanation:
A minimum viable pro-duct is a prototype used to test ease-of-use an-d functionality.
While a PoC on-ly investigates the product's one asp-ect, a prototype models seve-ral aspects of the product. Usu-ally, the develop-ment team uses proto-types to discover errors in the pro-duct. By creating a prototype, they can te-st the product's design, usa-bility, and oft-en functionality.
What is a minimum viable prototype ?A minimum viable proto-type is the least amo-unt of effort and a general-ized approach to build-ing a prototype. It will be the first st-ep to becoming more comfort-able with incorp-orating prototyping into your day to day w-ork.
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question number 1) you have developed a new product and have created a website where customers can go to order the product. which type of channel are you most likely utilizing?
When you have developed a new product and have created a website where customers can go to order the product, it is called Direct Channel.
A manufacturer can reach consumers directly through this channel by selling goods like hardware, software, and accessories:
• Direct sales force — This is a distribution method where goods are sent directly from the manufacturer or supplier to the final customer, generally through a field sales force that has undergone formal training.
The business sells to the customer directly through the direct channel. An example of a direct channel of distribution is a brewery that produces its own beer and sells it to clients at its own physical location. Customers receive the good or service straight from the seller.
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The correct question is:
You have developed a new product and have created a website where customers can go to order the product. Which type of channel are you most likely utilizing?
a
Direct channel
b
Indirect channel
c
Retail channel
d
Wholesale and retail channel
e
Business distributor
after a bank reconciliation is completed, journal entries are prepared for items in the balance per company's records as well as items in the balance per bank statement. true false
The answer is true. A bank statement is a formal document that details your account activities over a specific time period, usually one month. You'll find records of all transactions, both entering and leaving, so you'll know exactly what happened to your money during that time period.
A bank statement, for example, would show a non-interest-bearing checking account with a beginning balance of $1,050, total deposits of $3,000, total withdrawals of $1,950, an ending balance of $2,100, and account zero service charges from September 1 to September 30. Each month, banks utilize the bank statements to document an account holder's transactions.
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if one of the production crew members in the management in action case is known for keeping the team headed in the right direction to meet taping deadlines, this person would have the role of .
If a member of the production team in the management in action instance has a reputation for keeping the group moving forward to fulfill recording deadlines, this person would play the role of an orienter.
Orienter is one who helps a newcomer get used to social situations or local customs.
Orienter examines and explains the group's stance. summarizes what has been accomplished, identifies detours made by the group, and makes recommendations for how to turn things around.
The setup, breakdown, upkeep, and removal of musical and theatrical production equipment for stage work fall under the purview of the production crew. They are employed by touring bands, theater organizations, event venues, and production businesses.
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why does the fact that she might not like living in california make someone think renting a home is better than buying one?
She does not want to pay property taxes to support a place she might not like living in. The value of owning renting versus renting is heavily influenced by market conditions. Owning makes more sense in fast increasing real estate markets.
Renting, on the other hand, may be a preferable alternative when there is less room for property price appreciation. The one disadvantage of renting is a restricted lifestyle (option d). market a house is living in someone else's home. The landlord owns it, and the two parties have a formal agreement in which the other party pays the owner rent at regular intervals.
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according to the proposed guidelines for the use of instruction, modeling, and physical guidance, what behavioral principle is used with all three procedures?
Positive reinforcement, fading, and shaping are those behavioral principles used with all three procedures according to the proposed guidelines for the use of instruction, modeling, and physical guidance.
The idea behind positive reinforcement is that by reinforcing desired actions in pupils, they will be more likely to behave in accordance with our expectations. If a behavior is reinforced, it will probably continue over time. According to behaviorism, all behaviors are acquired through interactions with the environment. According to this learning theory, environmental variables such as upbringing have a far less important role in determining behavior than intrinsic or inherited traits.
Situational inducement is the process of changing behavior by utilizing circumstances and situations that have previously exerted power over it. Exercise keeps you physically and psychologically well; the more you exercise, the more benefits you receive. Regular physical activity for adults can lower the risk of, or assist in managing cardiovascular disease.
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which of the following are examples of defensive industries? a. food producers. b. durable goods producers. c. pharmaceutical firms. d. public utilities. e. a, c and d
Examples of defensive industries are food producers, pharmaceutical firms, and public utilities. Thus, the correct option is (e.) a, c, and d.
What are defensive industries?Defensive sectors are those that are largely stable or impervious to economic swings, such as economic expansions and recessions. Defensive enterprises are generally untouched by an economic boom or recession since their earnings are unaffected by economic swings. The industry is often made up of enterprises that deal with market necessities, i.e., necessities. Utility companies, for example, are defensive since customer demand does not fall as much during downturns. Whether the economy is in a slump or not, consumers require energy, water, heating, and air conditioning. Consumer goods and healthcare are the other two key defensive industries.
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xwhich reporting framework represents global standards for corporate sustainability reporting based on multiple modules that a company can choose from based on what is material for the organization?
The GRI is a globally applicable guidance framework that provides standards (the GRI Standards) that detail approaches to materiality, management reporting and disclosure on a wide range of accountability issues.
What is global business standard?The Global Business Standard was developed in response to the obvious need of international companies looking for a global solution for their certification in a clear and understandable format.
It recognizes successful companies in the platinum, gold or silver category and is a simple but very effective tool designed to assess a company's position and performance in the global market. The corresponding Global Business Standard certificate is given to companies, partnerships, foundations and other organizations active in the international market.
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macroeconomic policies that focus on credit and interest rates or controlling the money supply are called
Monetary policy is the macroeconomic policy that focus on credit and interest rates or controlling the money supply
What is Monetary policy ?In order to ensure price stability and public confidence in the value and stability of the country's currency, the monetary authority of a country adopts a policy known as monetary policy. This policy aims to control either the interest rate payable for very short-term borrowing or the money supply.By altering interest rates or eliminating surplus reserves, monetary policy can increase the amount of money in circulation or decrease it. Fiscal policy, in contrast, focuses on taxation, government spending, and borrowing as tools for a government to control economic cycle phenomena like recessions.The best monetary policy may be created with the help of monetary economics. Monetary policy and fiscal policy are typically developed independently in modern nations.It is said that monetary policy is either expansionary or contractionary.To learn more about Monetary policy refer :
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The average price for a world series ticket in philadelphia has skyrocketed to more than?.
World Series tickets in Philadelphia value over $3,000 each—the second-highest worth during a decade. Rhys Hoskins of the Philadelphia Phillies reacts once defeating the city Padres.
In game 5 to win the National League Championship Series at voters Bank Park on Oct twenty-three, 2022, in Philadelphia, Pennsylvania.
Demand for playoff tickets in Philadelphia has driven their value to a historic high. The average worth of game tickets at voters Bank Park is among the best in major Baseball history.
Consistent with the Delaware News Journal, tickets to Philadelphia Phillies home games in their playoff tilt with the Houston Astros have reached a median value of over $3,200, the second-highest total in baseball history.
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a settlement awarded $2 million to each of the four hundred individuals harmed by the effects of groundwater emissions created by manufacturing processes at standard corporation the award money is an example of
Punitive damages are one type of settlement that paid $2 million to each of the 400 people who were harmed by Standard Corporation's manufacturing processes' effects on groundwater emissions.
A defendant who has been found guilty of committing a wrong or offence may also be required to pay punitive damages in addition to compensatory damages. They are given out when it is determined that compensatory damages, or the money paid to the injured party, are insufficient.Punitive damages go beyond just making the wronged party whole. They are intended specifically to punish defendants whose actions are judged to have been either egregiously negligent or willful. Punitive damages are also known as exemplary damages because they are meant to serve as a warning to prevent repeat offenses.Punitive damages are always awarded alongside other damages; they are never awarded on their own. In essence, they provide a means of punishing the defendant even more for their actions.Learn more about Punitive damages, here
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who would provide the final approval for decisions made for a bullying awareness program? a.) project team members b.) project manager c.) users d.) project sponsor
The very last acclaim for selections made for a bullying attention software is b.) task manager .
The required details for Project manager in given paragraph
A task manager is a expert within side the discipline of task control. Project managers have the duty of the planning, procurement and execution of a task, in any venture that has a described scope, described begin and a described finish; irrespective of industry. Project managers are first factor of touch for any problems or discrepancies bobbing up from within side the heads of numerous departments in an organization earlier than the trouble escalates to better authorities, as task representative.
Project control is the duty of a task manager. This man or woman seldom participates at once within side the sports that produce the result, however alternatively strives to hold the progress, mutual interplay and tasks of numerous events in any such manner that reduces the danger of ordinary failure, maximizes benefits, and minimizes costs.
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7 a company's chief executive officer (ceo) has decided to launch a corporate social responsibility (csr) program. who are the intended beneficiaries of a csr program?
The company's chief executive officer (ceo) has decided to launch a corporate social responsibility (csr) program.Stakeholders are the intended beneficiaries of a csr program
Any individuals or groups that are influenced by a project, initiative, policy, or organization, whether favorably or unfavorably, are considered stakeholders. They could be external (individuals outside of your organization) or inside (people outside of your organisation). The abbreviation UPIG, which stands for Users, Providers, Influencers, and Governance, makes it simple to recall these four kinds of stakeholders. A stakeholder's primary duty is to contribute their expertise and point of view to a project in order to help the organization accomplish its strategic objectives. A project success depends on their support. All individuals or groups with a stake in the success of the company are considered stakeholders. Since an organization's level of authenticity is based on how well it satisfies its stakeholders' needs, it is crucial that organizations develop healthy and balanced relationships with them.
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15-3.5casho is going to see a movie and is taking her 2 kids. each movie ticket costs $13 and there are an assortment of snacks available to purchase for $5 each. how much total money would casho have to pay for her family if she were to buy 4 snacks for everybody to share? how much would casho have to pay if she bought xx snacks for everybody to share?
Casho have to pay $59 if she bought 4 snacks for everybody to share.
Given,
Casho + her 2 kids would equal 3 people in total.
According to the question, the tickets are $13 each.
Since there are 3 tickets and price of each ticket is $13 hence we will multiply 13 by 3 to get the total price of three tickets which is 39
= 13 x 3 = 39
According to the question, snacks are available for $5 each.
We need to find the total price of ticket and snacks given price of each snack is 5 and we multiply 4 by 5 to get the answer 20 and we add this to 39 to get the answer 59.
= 39 + 5(4)
= 39 + 5(4)
= 39 + 20 = $59
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some smaller states in africa and the caribbean have no domestic currency. these states rely on which two foreign currencies?
Euro and US dollar are the two foreign currencies that these states rely on.
At the international level, a currency can serve a variety of functions, the most important of which are trade invoicing, foreign reserve currency, reference currency for exchange rate arrangements, financial currency, and parallel currency.
In addition to the five US territories, the US dollar became the official currency of 11 countries: Ecuador, El Salvador, Zimbabwe, the British Turks and Caicos, Timor-Leste, Bonaire, Micronesia, Palau, Marshall Islands, and Panama.
Because of their proximity to Europe, the euro may play a more important role in Northern African countries than in SSA, which may result in an upward bias in the evidence on the role of the euro.
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which of the following is the defining feature of the proletariat in the marxist view of society? a lack of ownership of the means of production control of the media and other social institutions an absence of class consciousness ownership of capital used in production
Lack of ownership one of the main problems with lack of ownership is the slow progress of various initiatives. If no one feels they own the project, no one will move it forward and it will eventually stagnate.
But taking responsibility for your life also builds character, courage, and self-esteem. By choosing how to respond to situations with responsibility and firmness, you can actively create a full, meaningful, and healthy life. Ownership is the state of owning something. Anything that people own or own gives them the quality of ownership. Wars are often fought over land ownership.
Finally, being responsible is important. Because it builds trust, support and bonds with people you care about. No team can thrive without a culture of accountability. This culture brings everyone together to work towards a defined company mission.
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a company that provides a free online language course wants to determine if learners would be willing to pay $12 per month for a premium version of the course. which questions might lead to question wording bias? check all that apply. do you think $12 is too much to pay for a premium version of the course? what amount would you expect to pay for a premium version of the course? would you pay $12 for a premium version of the course, given that learning a language has been shown to improve concentration skills and memory? would you pay $12 for a premium version of the course even though it is currently free? what is the most you would pay for a premium version of the course?
The number of people willing to pay $12 per month for a premium version of the course.
The term "Premium Version" refers to the application's paid version, which includes the following features: time and expense tracking, web and mobile, expense note camera capture, project follow-up, project time overview, teamwork, pushing tasks and projects to collaborators, personal time analysis, team analysis, export options, electronic invoicing, interface, project & budget follow-up, project & client analysis, and premium support.
Is this the reason why spelling errors are now detected and corrected differently When we right-clicked on a typographical error in the past, as is done in the Community, the proper or alternate version was displayed. Right-/left-clicking to find the correct spelling no longer always works, and the entire incorrect word is now lightly highlighted..
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