I would have to draft a creative commons license allowing others to use my work and market products bearing my artwork.
A copyright is a type of intellectual property that, for a specific period of time, grants the owner the sole authority to reproduce, transmit, adapt, display, and perform a creative work. The creative work may take the form of a literary, artistic, musical, educational, or other creation. A copyright is subject to limitations based on public interest considerations, such as the fair use doctrine in the United States. A copyright is intended to protect the original expression of an idea in the form of a creative work, but not the idea itself.
In some jurisdictions, copyrighted works must be "fixed" in a physical form. It is frequently written jointly by several authors, each of whom has a specific set of license or usage rights.
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a problem is listed below. identify its type. john bought a new house. he made a $3,500 down payment and financed the rest, $300,000, through his credit union. the credit union charged him 12% per year compounded monthly for 27 years. how much were his monthly payments? a) future value with compound interest b) present value c) sinking fund d) amortization e) present value of an annuity f) none of the above.
The problem John face was amortization. If he has 27 years of loan John need to pay monthly payment of $3,088.10.
How to calculate monthly payment ?Amortization is the process of repaying a debt in a series of regular payments. Each payment has a principal portion that goes toward the loan balance and an interest portion. The amount allocated toward principal increases steadily month by month as the debt amortises, starting out small at first.
Take the total loan amount and multiply it by the loan's interest rate. Then, divide the result by 12 to obtain the monthly interest for a loan with monthly instalments. The amount that is applied to the principal is determined by deducting the interest from the total monthly payment.
ƥ = rP / n * [1-(1+r/n)-nt]
ƥ = 0.12 *300,000 / 12 * [1-(1+0.12/12)^-12*27]
ƥ = $3,088.10
John need to pay monthly payment of $3,088.10.
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the model of loanable funds uses a supply and demand diagram to model savings and investment. this model helps us determine the price of a loan which is called an .
To represent savings and investment, create a supply and demand diagram. This model aids in calculating the interest rate, which is the cost of a loan.
Interest rates and the amount of money in circulation are inversely related. A bigger money supply results in lower market interest rates, which reduces the cost of borrowing for consumers. In contrast, lower money supply tends to result in higher market interest rates, increasing the cost of borrowing for consumers.
Individuals and companies who save money (or make financial investments, which is the same thing) are on the supply side of the financial market. On the demand side of the financial market are those who borrow money.
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if the current interest rate is 5 percent, what will be the equilibrium interest rate if the money supply falls by $100 billion dollars?
The short-term real interest rate that, in, is the equilibrium real interest rate (r).in the long run, is consistent with potential inflation and stable aggregate production.
In the money market, how is the equilibrium rate of interest established?The interest rate at which the amount of money demanded and the amount of money provided reaches equilibrium in the money market.If nothing else changes, a change in money supply or demand will change the equilibrium interest rate, which will change the level of real GDP and prices.
If the money supply grows, what will happen to the equilibrium rate of interest?The relationship between interest rates and a nation's money supply is inverse. As a result, if a nation's economy has a higher money supply, interest rates should be lower.
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the self-correcting mechanism would be expected to be very rapid in an economy with a large multiplier. high labor productivity. flexible prices. rigid wages.
In a flexible-priced economy, the self-correcting process should be very fast.
An economist is a professional and practitioner in the social science discipline of economics. The individual may also study, develop, and apply economic theories and concepts, as well as write about economic policy. There are many sub-fields within this field, ranging from broad philosophical theories to the focused study of minutiae within specific markets, macroeconomic analysis, microeconomic analysis, or financial statement analysis, involving analytical methods and tools such as econometrics, statistics, economic computational models, financial economics, mathematical finance, and mathematical economics.
Economists operate in a variety of disciplines, including academia, government, and the commercial sector, where they may "analyze data and statistics in order to recognize trends in economic activity, economic confidence levels, and consumer attitudes."
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already the electronics retailer circuit city (appliance store) has filed for bankruptcy, and general motors has said that it is in danger or running out of cash. if the consumer slump continues, there is a potential for a dangerous feedback loop, in which spending cuts and layoffs reinforce each other. what terminology do economists use to refer to this phenomenon?
Economists describe this phenomenon using the multiplier process terminology. The multiplier process is created when the consumer slump results in further spending cuts and job losses.
The cycle is known as a multiplier process when an initial decline or rise in autonomous spending results in a greater decline or rise in aggregate spending.
The multiplier process is created when the consumer slump results in further spending cuts and job losses. A multiplier is a term used in multiplier process economics to refer broadly to an economic factor that, when increased or altered, affects a large number of other closely Economists related economic variables. The multiplier effect makes increases in total output greater than the change in spending that caused them in terms of gross domestic product.
Usually, when discussing the relationship between government spending and gross domestic product, the term multiplier is used. Additionally, Economists multipliers—also referred to as the deposit multiplier—are used to explain fractional reserve banking.
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discuss the advantages and disadvantages of different ways of distributing project performance information.
Based on the project performance information strategy, the pros and cons of the different ways of distributing project performance information include timely delivery and cost-intensive respectively.
What is project performance information?Project performance information is a term that is used to describe how two or more individuals or entities such as firms create a free flow of communication among stakeholders
Different ways of distributing project performance information include the following:Face-to-Face Communication: is fast and suitable for both individual and group messaging. However, it is costly.Digital Communications: it is considered faster and easier to use. However, there is a risk of data loss.Hard-Copy Communications: it is suitable for creating permanent information. However, it is liable for damage and loss.Conferencing: This is suitable for connecting to various entities at a time. However, it is difficult to get everyone on board at a given time.Hence, in this case, it is concluded that the correct answer is each way of distributing project performance information has its advantages and disadvantages.
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When aksed if a company should drop a product, a segment or line of business, what is a key question that should first be asked?.
The key question that should first be asked will be: Will any of the fixed costs go away? If not, ignore them in the decision process.
If the cost of a product making is more as compared to the output being gotten from that product then one needs to cut loose on the product.
If the input revenue is more than the output revenue of the company, then you need to decide how to cut the cost.
You need to decide whether to just cut the product, the entire segment depending on the cost. Decide on the procedure that will get the fixed cost to become low or go away. If not then dropping a product will be not valuable.
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erin purchased stock with an initial share price of $15, and sold it when the share price was $17. while she owned the stock, she earned $2 in dividends. what was her total percentage return on the investment? a.) 22.67% b.) 23.53% c.) 11.76% d.) 26.67%
The total percentage return on investment will be 22.67% which Erin purchased stock at the initial share price.
What is the share price?The stock price is the price of one share out of the number of shares available for sale in the company. the stock price is the maximum amount someone is willing to pay for a stock or the minimum amount someone is willing to buy.The amount of money it takes to buy stock in a company. Stock prices are not fixed and fluctuate according to market conditions. It can go up when the company seems to be doing well, and go down when the company isn't performing as expected.When a company goes public and its shares are traded on an exchange, the stock price is determined by market supply and demand. If demand for his stock is high, the price will go up. If the company's future growth potential is questionable, the seller of the stock can lower the price.To find out how valuable a stock is to a trader, take the latest updated value of the company's stock and multiply it by the number of outstanding shares. Another method used to calculate stock prices is the price/earnings ratio.
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An arbitration case dealing with a dispute between a customer and a member firm in the amount of $72,000 will be heard byA)one arbitrator, unless FINRA determines three is more appropriate.B)three arbitrators, the majority of whom must be public.C)three arbitrators, all of whom must be public.D)one arbitrator, unless both parties agree to three.
Option D. An arbitration case dealing with a dispute between a customer and a member firm in the amount of $72,000 will be heard by one arbitrator, unless both parties agree to three.
What is meant by arbitration?By agreement of the parties, a dispute is presented to one or more arbitrators through the arbitration process, who then render an official ruling on the matter. Instead of going to court, the parties choose arbitration as a private conflict settlement process.
a procedure wherein a neutral third party renders an official judgment that resolves a legal dispute without the need for a trial: In commercial disputes, arbitration is frequently favoured by businesses. Arbitration that is required or binds.
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5. why is it true, in general, that a failure to adjust expected cash flows for expected inflation biases the calculated npv downward?
Inflation is a significant factor that influences the time worth of money. Therefore, it is crucial to include in the consequences of anticipated inflation when calculating NPV. A computed NPV is biased if the effects of inflation are left out.
What is Net Present Value (NPV)?
Net present value is the difference between the current worth of cash inflows and outflows over time (NPV). To evaluate the profitability of a proposed investment or project, NPV is used in capital budgeting and investment planning. NPV is the result of computations to ascertain the current value of a future stream of payments.
The time and amount of future cash flows must be predicted, and a discount rate that is equal to the least allowable rate of return must be chosen in order to compute net present value (NPV). A project or investment will have a better rate of return than the discount rate if the NPV is positive.
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jennifer bought a brand new treadmill on a credit plan at befit exercise equipment. befit will charge her 18% per year compounded monthly. if her monthly payments will be $200 for 3 years, how much was the original price of the treadmill?
The original price of the treadmill bought by Jennifer is $5532.13
Compounding interest on both the principal and the accrued interest is implied by the term "monthly compound interest," which refers to interest that is compounded each month. The principal amount times one plus the interest rate divided by a number of periods, raised to the power of the number of periods, is how monthly compounding is computed. The interest amount is calculated by deducting that sum from the principal amount.
Annual interest rate, i = 18% = 0.18
Period of payments, n = 3 years
Monthly payments, E = $200
The applicable formula is;
P = E [1-(1+i/12)^(-12n)]/[i/12]
Where;
P = Original price of the treadmill
Substituting;
P = 200[1-(1+0.18/12)^(-12*3)]/[0.18/12] = $5532.13
Therefore, the original price of the treadmill was $5532.13
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what are some key benefits of soliciting project proposals from stakeholders throughout, and possibly outside, the company? multiple select question. to encourage competition between internal and external stakeholders. a request for proposal (rfp) can be used to take a concept and ask an outside company to develop the project. good ideas are not limited to just upper management.
One of the main advantages of asking for project proposals from stakeholders across the organization, and possibly from outside the company, is that good ideas are not exclusive to high management.
How would you define management?Management is the process of carrying out the work or activity required to achieve an organization's objectives in an effective and efficient manner. The management functions are implied by the process. Planning, organizing, staffing, directing, and managing are therefore involved.
What role does management play?A manager's job is to give all efforts to achieving organizational objectives general direction and guidance. Increasing effectiveness: Management aids in boosting the effectiveness of the company by
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digital report recording is becoming more popular nationwide, because it can be more efficient and less costly than old-fashioned tape recording. what is one major problem with digital report recording?
The accuracy of dictation software in recognizing spoken words is not 100%.
Which qualities are essential to being an effective investigator?Emotionally well-balanced, detached, inquisitive, suspicious, discerning, self-disciplined, and persistent investigators are effective.
What are the two factors that influence a digital recording's quality?Two aspects influence the resolution and quality of digitized audio: the bit-depth used to record each measurement and the sample rate, which is the number of times per second the wave's amplitude is measured. Kilohertz (kHz) is the measurement or description of amplitude.
What are the most common issues with digital evidence?Risks of Data Breach, Fraud, and Cyber Attacks Digital evidence collection is typically simple. The tricky part is keeping it safe from tampering, cyberattacks, and data breaches.
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what is the equity beta for a firm with asset beta equal to 0.8, and d/e ratio of 0.3, and tax rate equal to 40%?
The equity beta for a firm with an asset beta equal to 0.8, and d/e ratio of 0.3, and a tax rate equal to 40% is 0.944
Equity beta=Asset beta [1+(1-tax rate) ×Debt-equity ratio]
=0.8[1+(1-0.4) ×0.3]
=0.8×1.18
=0.944
Equity Beta quantifies a stock's market volatility, or how susceptible its price is to shifts in the general market. It contrasts the volatility connected to a security's price fluctuation. Leveraged beta, or an equity beta of a company with financial leverage, is a term that is frequently used to describe this type of beta.
Beta is an idea that measures the anticipated circulation in an inventory relative to actions in the typical market. A beta greater than 1. zero shows that the stock is more volatile than the wider market, and a beta less than 1. zero suggests a stock with lower volatility.
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all else being the same, which has more interest rate risk: a long-term bond or a short-term bond? what about a low coupon bond compared to a high coupon bond? what about a long-term, high coupon bond compared to a short-term, low coupon bond?
Bond prices are inversely related to interest rates, which is an important concept for understanding interest rate risk in bonds. Bond prices fall when interest rates rise, and vice versa.
What are the difference between Long-term bonds and short-term bonds?Interest rates are more likely to rise (and thus negatively affect the market price of a bond) over a longer time period than over a shorter time period. As a result, investors who buy long-term bonds but then try to sell them before maturity may find themselves with a deeply discounted market price. This risk is reduced in short-term bonds because interest rates are less likely to change significantly in the short term.Short-term bonds are also easier to hold until maturity, which alleviates an investor's concern about the impact of interest rate-driven changes in bond prices.Long-term bonds last longer than short-term bonds. Duration is a measure of how sensitive a bond's price is to changes in interest rates. For example, a bond with a maturity of 2.0 years will lose 2% for every 1% increase in interest rates.To learn more about Long-term bonds, refer to:
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funds givern to a state by the national government with speical conditions attached are examples of a revenue sharing b project grants c categorical grants d block grants
Funds given to a state by the national government with special conditions attached are examples of categorical grants.
The federal government provides categorical grants to state and local governments, which they can use to fund particular initiatives within particular programs. Typically, the federal government requires localities and states to submit applications for categorical grants for particular purposes.
Block grants, in contrast to categorical grants, are not subject to as much administrative regulation and can be used for a wider range of purposes.
Grants for specific categories may be given out through a competitive process, as compensation for program expenses, or in accordance with a predetermined formula established by Congress or a government administrative body. According to a 1978 report by the Advisory Commission on Intergovernmental Relations, federal categorical assistance was first made available in 1862 when Congress passed the Morrill Act, allowing states to sell public lands to pay for land grant colleges.
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which term describes the redesigning of an organization so that it can more effectively and efficiently serve its customers?
Redesigning the organization so that it is more efficient and effective is called restructuring
Organizational design is a formal endeavor, a directed process for integrating people, information and technology in an organization.
Restructuring is an organizational activity to reform the company's operational strategy for goals or objectives in an effective and efficient manner. The restructuring step not only supports the improvement of financial conditions, but also operational progress which produces good results.
Corporate restructuring is very important because a company needs to evaluate its performance and make a series of improvements, so that it continues to grow and be competitive. There are 4 (four) forms of restructuring, namely: merger, consolidation, takeover and settlement..
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if the equilibrium output is above the gdp potential then the gap between the output and potential gdp would be called a(n)
According to the claim, the difference between output current and potential GDP is known as the inflationary gap.
What GDP means?Gross domestic product, also known as GDP, is one of the most popular. It is frequently quoted in reports by authorities, financial institutions, and the financial industry as well as in newspapers, on news channels, and in publications. It is now frequently used as a benchmark for measuring the strength of both national and global industries.
What is GDP and how is it calculated?GDP is calculated as private consumption plus domestic product plus government investment plus (exports – imports). The country's national statistical office often uses the international standard to compute GDP.
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angela's ready to get started with her first smart display campaign, but her account isn't yet eligible due to not having enough conversions in the last 30 days. what's the minimum number of conversions needed
Angela needed At least 50 conversions on Display or at least 100 conversions on Search.
A minimum of 50 conversions on the Display Network or 100 conversions on the Search Network must have occurred within the previous 30 days for you to be eligible to set up a Smart Display campaign. Before enough conversions have occurred in the previous 30 days, Angela's account must be eligible.
Less criteria are needed to participate in smart display campaigns with pay for conversions, and there is additional support for you to make the most of the display network. When your campaign achieves a certain threshold for conversions, it is automatically upgraded into a full Smart Display campaign.
Up until your account receives 50 conversions in the previous 30 days, your Smart Display campaign's average daily budget is restricted to $200 USD (or equivalent in local currency).
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the five basic tasks of the strategy-making, strategy-executing process do not include? developing a strategic vision of where the company needs to head and what its future business makeup will be strategic management to convert the strategic vision into specific strategic and financial performance outcomes for the company to achieve crafting a strategy to achieve the objectives and get the company where it wants to go developing a profitable business model executing the chosen strategy efficiently and effectively
Developing a profitable business model is not the basic task of strategy-making and executing processes.
Strategy-making process
The activity by which an organization develops its strategy and makes sure that the established strategy becomes a reality rather than merely an abstract wish list is known as the strategy-making process. It involves formulating a strategy as well as preparing for its implementation and making adjustments in response to unexpected events.
The five basic tasks of strategy making process are:
1-Strategic Vision and Mission Development
2-The Setting of Goals
3-Developing Strategies to Achieve Organizational Goals
4-Implementing and carrying out the strategies
5-Performance Evaluation and Measuring
Hence, option D is correct.
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if hot dogs are an inferior good, an increase in income will result in a an increase in the quantity demanded for hot dogs. b a decrease in the quantity demanded for hot dogs. c an increase in the demand for hod dogs. d a decrease in the demand for hot dogs. e no change in the quantity demanded for hot dogs.
If hot dogs are an inferior good, an increase in income will result in an increase in the demand for hot dogs. so the option is c
Are hot dogs a normal or inferior good?Hot dogs are inferior good . The demand for a typical good is positively correlated with income. This implies that people will spend more on everyday things when they have more money.In addition to their mouthwatering flavor, hot dogs are a favorite among many people due to their simplicity in preparation. They take little time to cook and can be grilled or fried. They are a fantastic quick fix when you are hungry because of these. You won't have to wait very long to have a mouthful whenever you want to enjoy them as snacks.To learn more about inferior good refer to:
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elena makes purses out of old blue jeans and sells them to customers at local craft fairs. what type of marketing channel does this represent?
The type of marketing channel that Elena uses when she sells her own made purses to customers is D. direct.
In the field of business, a direct marketing channel can be described as a process in which the products made by a producer are sold directly to customers without an intermediate salesperson or company in between.
A producer directly deals with his customers instead of relying on an intermediate source and handing over the products to them.
The direct marketing channel is effective in the case of small businesses where the customers are lesser and can easily be handled by the producers. Elena uses the direct marketing channel when she sells her purses directly to customers at craft fairs.
Although a part of your question is missing, you might be referring to this question:
Elena makes purses out of old blue jeans and sells them to customers at local craft fairs. what type of marketing channel does this represent?
A. indirect
B. vertical
C. horizontal
D. direct
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a donor gave $50,000 to a nongovernmental, not-for-profit charity with instructions that the funds be transferred to an individual who lost his home in a fire. the not-for-profit would:
$50,000 was given to a nonprofit organization with the request that it be given to someone whose home was destroyed in a fire. The not-for-profit would note and credit the $50,000 in cash as a liability.
What exactly is liability?An obligation is anything that a person or company owes, usually money. Over time, liabilities are settled by transferring economic rewards such as money, goods, or services. Loans, accounts payable, mortgages, delayed income, bonds, warranties, and accrued expenses are all examples of liabilities on a balance sheet.
Assets and liabilities can be contrasted. Liabilities are items you owe or borrowed money for, whereas assets are things you possess or are owed money for. A liability is something borrowed, owed, or obligated to someone else. It can be real (for example, a bill that needs to be paid) or fictitious.
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During the sprint, what scrum value must the team demonstrate to achieve the goal?.
The commencement Team commits to achieving its goals and to supporting one another. Their primary focus is on the work of Sprint to form the simplest attainable progress toward these goals.
The commencement Team and its stakeholders are open concerning the work and, therefore, the challenges. Scrum Masters ought to be fearless about removing impediments that weigh down the team's progress. The 5 commencement values are commitment, focus, openness, respect, and courageousness.
Scrum team members should be committed to success and be willing to form realistic goals and continue them. However, 'focus' is the worth shown once a team sets the goal of delivering the foremost essential feature before continuing on to consecutive.
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Why do you think some individuals place more trust in alternative banking services?.
Because, for instance, Wells Fargo has been involved in scandals. People may be placing more trust in alternative banking services because other, better-known businesses aren’t as trustworthy with customers’ money.
They might also be indigent. Due to the fact that they especially cannot risk anything happening to their money. Also because many new banking options are emerging, offering more inventive ways to handle and secure money.Financial institutions usually charge fees, require a minimum deposit, and need additional up-front costs, which significantly raise entry barriers for people who don’t always have a lot of money. This is accurate despite the fact that alternative services ultimately cost more.Unbanked people are those who do not have a savings or checking account with a bank or credit union. People who lack access to traditional banking services, such as loans and credit cards, as well as savings and checking accounts, are considered unbanked.Due to the strong personal connections alternative financial services have with the individuals and communities they serve, low income people and the communities they serve feel trustworthy and secure.
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dollar damages are considered inadequate and specific performance is considered the proper remedy when a contract for the sale of a unique item is breached by the buyer. true false
The answer is false. A contract of sale of goods is one in which the seller transfers or agrees to transfer ownership of products to the buyer for a fee. A contract of sale may exist between one part-owner and another.
A selling contract can be absolute or conditional. Party A, for example, agrees to sale wheat crops to Party B. Both parties agree that if Party B pays the agreed-upon amount, he may cut and take the crops. This is a legitimate contract of sale because wheat crops are considered a good. Except for cash and actionable claims, everything transportable property is a good.
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the world trade organization: group of answer choices is also known as nafta. is also known as the international monetary fund (imf). was established to resolve disputes arising under world trade rules. enhances world trade by providing interest rate subsidies to foreign borrowers who buy exports on credit.
The World Trade Organization was established primarily to resolve disputes arising under world trade rules. Thus, option (c) holds the correct answer.
The World Trade Organization (WTO) is the only international organization across the globe that deals with the rules of trade between countries. At WTO's heart are the WTO agreements, negotiated and signed by the world’s trading nations and ratified in their parliaments. The key objective of WTO is to ensure that trades flow between nations as smoothly, predictably, and freely as possible.
The WTO has many such as operating a global system of trade rules, acting as a forum for negotiating trading agreements, resolving trade disputes between its member nations, and supporting the needs of developing countries.
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is it possible for the risk premium to be negative before an investment is undertaken? can the risk premium be negative after the fact? explain
When an investment yields a lower rate of return than a risk-free security, this is known as a negative risk premium.
What is risk premium?Risk is a factor in almost all investments to some extent. Due to the US Treasury Department's backing of US government securities, which still carry some resale risk, there is no default risk. This rate is therefore regarded as a risk-free rate of return on these investments.Investors who take on more risk typically expect a risk premium, or return above and beyond the risk-free rate. Any investment's risk premium is just the variation in return between the risk-free rate and the investment's return. Using historical data or forecasting future risk premiums, analysts can also study historical data using risk premium.To Learn more About risk premium refer to :
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linda is estimating her annual income. she expects that her commission will be 2.5%, and she plans to close at least seven transactions in the year. what else does she need to complete her estimate?
Average home sale price in the neighborhood where she will work
What is needed to obtain a loan estimate?your Social Security number (so the lender may obtain a copy of your credit report), the address of the property, an estimation of the property's value, and. the preferred loan sum. Each lender has three business days to send you a Loan Estimate after receiving your six essential pieces of information. If the lender uses postal mail, allow a few extra days for delivery. Call the lender and find out why if you haven't gotten a loan estimate within that time limit. The lender has not yet accepted or rejected your loan application when you receive a Loan Estimate. The Loan Estimate outlines the loan terms the lender anticipates providing if you decide to proceed.
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the price level starts at 1.00 and rises by the end of the year to 1.15. 1. what has happened to the value of the dollar over that same period of time? (calculation is required) 2. what are the consequences of that price level change? 3. will an increase or decrease in the money supply reduce the price level to the tolerable range?
The value of the dollar will fluctuate due to changes in price levels, which will also affect average interest rates by lowering reserves.
The price level is determined by averaging the current prices for all the goods and services produced in an economy. Price level, in a broader sense, refers to the cost or price of a goods, service, or security in the market.
A daily price index, often the Daily CPI, is used to estimate the general price level. During a hyperinflation, the overall price level may fluctuate more than once every day.
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