The omnichannel analytics is analytics that combines data from different channels into one holistic view of the customer to facilitate decision-making.
Basically, an Omnichannel refers to the integration of various channels use to interact and reach the consumers of a product.
The Omnichannel Analytics which is used by organization using Omnichannel utilizes data from various sources in order to optimize the store processes and to enhance consumer service.Therefore, the omnichannel analytics is the analytics that combines data from different channels into one holistic view of the customer to facilitate decision-making
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Q. Software that has integrated system capability using real time data is
A. enterprise resource planning software.
B. on-line analytic programs.
C. computer-assisted engineering software.
D. none of the above.
Answer» A. enterprise resource planning software.
The correct answer is A. Enterprise Resource Planning (ERP) software is a type of software that integrates various business processes and functions using real-time data, enabling efficient and effective management of organizational resources.
The software that has integrated system capability using real time data is enterprise resource planning software. This type of software is designed to manage and integrate various business processes, such as accounting, human resources, inventory management, and customer relationship management. It uses real-time data to provide businesses with a comprehensive view of their operations, enabling them to make informed decisions and optimize their resources. Additionally, some enterprise resource planning software also includes analytic capabilities, allowing businesses to analyze their data and gain insights into their performance.
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Most of us have to work for a living, and a job is a central part of our lives. So why do managers have to worry so much about employee motivation issues? Can an individual be too motivated? Discuss
Explanation:
Employee motivation is not directly related to the conditions of their work and personal life. There are many studies and researches that seek to understand how the employee is motivated, one of the most accepted and used is the Maslow pyramid, which categorizes each human need in the form of a pyramid of needs, according to him, there are five needs that individuals need to fulfill to be motivated and satisfied in their personal and professional life, they are the physiological needs being the base of the pyramid and the most essential, followed by needs for security, affection, esteem and self-fulfillment.
Therefore, this theory of Maslow's needs is a parameter to understand how the human being remains motivated, and to help organizations to align their processes to fulfill each employee's need for fulfillment, seeking an organizational environment focused on safety, ethics, innovation, benefits monetary, etc.
breilfy explain the differenc between discentionary and mandatory government spending
Answer:
The difference between discentionary and mandatory government spending is whether spending is dictated by prior law or voted on in the annual appropriations process.
Explanation:
Discentionary spending is money formally approved by the government during the appropriations process each year.
Mandatory spending is based on laws previously enacted that dictate the money budgeted for spending each year.
Discretionary government spending refers to a type of spending where the spending budget is subject to change yearly as determined by Congress, while mandatory government spending refers to the portion of the federal budget that is required by law and does not require annual congressional approval.
What is government spending?The term government spending refers to the use of public funds by a government to pay for various goods, services, and programs that are intended to benefit society.
There are basically two type types of government spending:
discretionarymandatoryFor example, spending on things like defense, education, and transportation constitutes discretionary spending as the amount to be spent each year can change based on the discretion of Congress. While spending on things like social security and medicare constitutes mandatory spending as they require no congressional approval.
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A ceiling design that has a rectangular center that is either popped out or inverted to add an effect.
Answer:
tray ceilings
Tray Ceiling - Usually seen in dining rooms and kitchens, tray ceilings are built upwards in a cut out resembling a tray. It has a rectangular center that is either popped out or inverted to add an effect
Explanation:
Hope it helps
_________ addresses the means by which leaders provide direction to get workers to accomplish tasks whereas _________ addresses how leaders interact on a personal level with workers.
Leadership addresses the means by which leaders provide direction to get workers to accomplish tasks whereas relationship addresses how leaders interact on a personal level with workers.
What is leadership?Leadership explains how an individual is able to lead someone that is subjected to him for guidance, counsel and training.
It describe the relationship that exist between followers and the leader and how it influence the learning process.
Therefore, Leadership addresses the means by which leaders provide direction to get workers to accomplish tasks whereas relationship addresses how leaders interact on a personal level with workers.
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The profit and loss system of capitalism helps entrepreneurs determine the
O political impact of the use of resources in the production of a product.
O best human resources but not capital resources to use to produce a product.
best combination of resources to use to produce a product.
O best capital resources but not human resources to use to produce a product?
Answer:
best combination of resources to use to produce a product.
Explanation:
Capitalism also referred to as free-enterprise system or free market can be defined as a type of economy in which prices, products and services are being determined by the market rather than the government. Thus, capitalism is devoid (free) of government regulations, interference or control because the market (enterprises) are the ones who are saddled with the responsibility of determining the market forces.
Simply stated, a pure capitalism is a type of economy that is completely driven by demand and supply of goods and services.
In a society, the role of an entrepreneur is mainly focused on bringing the four (4) factors of production together and take the risks of producing output, so as to generate revenue through sales and make economic profits in the long-run.
Hence, the profit and loss system of capitalism helps entrepreneurs determine best combination of resources to use to produce a product.
Tatianna's business just put up a "Now Hiring" sign. Felisha saw the sign and applied for the job. After negotiating her wages and hours , Felisha was hired. This transaction took place where in the circular flow of the economy ?
The transaction between Felisha and Tatianna's business took place in the labor market within the circular flow of the economy.
The transaction between Felisha and Tatianna's business took place in the labor market within the circular flow of the economy. In this market, individuals like Felisha offer their labor services (supply), and businesses like Tatianna's hire workers (demand). The negotiation of wages and hours and the hiring of Felisha represent the interaction between the demand and supply of labor in the economy. The labor market represents the interaction between individuals seeking employment (labor supply) and businesses or employers offering jobs (labor demand).
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How does accenture help companies harness the power of data to achieve optimal business outcomes?.
The things that are implemented by Accenture to ensure the reliability of their data are data governance and management policies.
What is data governance?Data governance simply means the collection of tools, processes, standards, policies, etc. which ensure the efficient and effective use of information in an organization.
Data governance and management policies are used by the company for the efficient use of information. Also, the use is strong authentication in order to access sensitive data is needed to ensure privacy.
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Kellen West recently launched a firm in the fruit drink industry, and has already exported his fruit drinks to 11 different countries. One thing that Kellen's firm is doing is that it is varying the tastes of the fruit drinks it sells on a country-by-country basis to meet the demands of the local markets. Kellen's firm is pursuing a _____ strategy.
A) global
B) home
C) universal
D) contemporary
E) multidomestic
Kellen West is pursuing a multi-domestic strategy by varying the tastes of the fruit drinks it sells on a country-by-country basis to meet the demands of the local markets.
What is a Multidomestic strategy? Multidomestic strategy is defined as a strategy that promotes decentralization in product development and business operations in each country where the organization operates, allowing for greater local customization of goods and services to meet local needs and norms.
A multidomestic strategy is often pursued by organizations when there are significant variations in customer tastes and preferences, cultural and demographic norms, and legal and regulatory environments across the countries in which they operate. In the given case, Kellen's firm is varying the tastes of the fruit drinks it sells on a country-by-country basis to meet the demands of the local markets, which is an excellent example of a multidomestic strategy.
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is laws and regulations that govern business. is well-defined rules for appropriate business behavior. do not vary from one person to another. is most important for advertising agencies. is the application of moral standards to business situations.
The Company pledges to conduct itself in a way that upholds all applicable laws, norms of conduct in the workplace, and business ethics, as well as to treat every employee equally and fairly.
Does a set of laws specify how a company ought to conduct itself?Every business has a code of conduct that is applicable to both the organization and its staff. The motivation behind the rule of conduct is business ethics. Corporate ethical guidelines are frequently adopted freely by businesses, but on occasion, these guidelines may also be mandated by law.
Business ethics: What Is It?The rules for ethically correct and wrong behavior in company are referred to as business ethics. Law defines behavior in part, but "legal" and "ethical" are not always synonymous. By defining permissible practices outside of the purview of the state, business ethics strengthen the law.
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JohnBoy Industries has a cash balance of $54,000, accounts payable of $134,000, inventory of $184,000, accounts receivable of $219,000, notes payable of $129,000, and accrued wages and taxes of $41,500. How much net working capital does the firm need to fund?
Answer:Net working capital = $152,500
Explanation:
Net working capital = CA– CL
Where CA= Current Assets = Cash + Inventory + Accounts Receivable
and CL= Current Liabilities= Account payable + Notes payable + accrued wages and taxes
CA=$54, 000 + $184,000 + $ 219,000 =$457,000
Current liabilities = Account payable + Notes payable + accrued wages and taxes
CL = $134,000 + $129,000 + $41,500 = $304,500
Net working capital = Current assets – Current liabilities
Net working capital = $457,000 – $304,500= $152,500
Net working capital = $152,500
What process is used to identify the necessary KSAs and individual preferences, etc., for each job within the organization?
Job/role planning
Job analysis
HR planning
Strategic business planning
The necessary process KSAs (Knowledge, Skills, and Abilities) and individual preferences for each job within the organization: Job analysis. The correct answer is B.
Job analysis is the systematic process of collecting information about a specific job within an organization. It involves examining the tasks, duties, and responsibilities associated with a job, as well as identifying the necessary knowledge, skills, and abilities required to perform it effectively.
This process helps organizations to develop job descriptions, determine the appropriate compensation and benefits, and identify the best-suited candidates for each position.
1. Determine the purpose: Define the goals of the job analysis, such as creating job descriptions, setting compensation levels, or identifying training needs.
2. Select the job(s) to be analyzed: Choose the positions within the organization that will be the focus of the analysis.
3. Gather information: Collect data about the job through various methods, such as observing employees, conducting interviews, and reviewing relevant documents.
4. Analyze the data: Identify the tasks, duties, and responsibilities of the job, as well as the knowledge, skills, and abilities required to perform them.
5. Develop job descriptions and specifications: Summarize the findings in a comprehensive document that outlines the job's requirements and expectations.
6. Review and update: Regularly review and update the job analysis to ensure it remains accurate and relevant to the organization's needs.
In summary, job analysis is the process used to identify the necessary KSAs and individual preferences for each job within an organization, providing valuable information for effective human resource management and strategic business planning.
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In what section of the letter of intent does the buyer agree that the seller may continue to market the unit if the buyer does not execute a contract to purchase
The section of the letter of intent that addresses the seller's right to continue marketing the unit if the buyer does not execute a contract to purchase is typically included in the contingency section of the letter.
This section outlines the conditions that must be met for the sale to proceed, including the buyer's obligation to sign a contract to purchase within a certain timeframe. If the buyer fails to meet this obligation, the seller may be permitted to continue marketing the unit and pursuing other potential buyers. It's important for buyers to review this section carefully before signing a letter of intent, as it can impact their ability to secure the property.
In the Letter of Intent, the section where the buyer agrees that the seller may continue to market the unit if the buyer does not execute a contract to purchase is typically referred to as the "Marketing Clause" or "Continued Marketing Provision." This section outlines the conditions under which the seller can continue marketing the property while negotiations are ongoing, ensuring that both parties understand their rights and responsibilities during the process.
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Carlos tiene $40.00 para gastar a la semana en almuerzos y copas de vinos. El precio de cada almuerzo es de $8.00 y el precio de cada copa de vino es de $4.00.
La siguiente tabla presenta la utilidad total de Carlos relacionada con los almuerzos y las copas de vinos.
Answer:
Carlos gastará $12.00 al día para almuerzos y copas de vino.
There are now twice as many people in the household, but your income has also doubled. Is your new tax liability about twice as much as when you were single, more than twice as much, or less than twice as much? Tell whether you think this difference- or the lack of one- seems fair
Answer:
It is fair because due to marriage the resources tends to accumulate and thus the common expenses like living housing eating costs goes down than they were sustaining when they were not married.
Explanation:
Solution
It will result in higher tax due to the marginal rate rising due to increase in income plus due to joint filing after marriage.
The difference seems to be fair from the point of view that due to marriage the resources become pooled and thus the common expenses like living housing eating costs come down than they were incurring when they were single. Hence, they can now afford to pay higher taxes and it kind of does seem fair.
Consider a static (one-period), closed economy with one representative consumer, one representative firm, and a government. The level of capital K and government expenditures G in the economy are both fixed exogenously. The government levies a lump sum taxes T in order to fund its purchases, and the government budget must balance. Suppose the price of consumption is normalized to one (p=1). The representative consumer has 24 hours of time available each day (h=24), which she can use only for labor or leisure. She receives labor income, profits from the firm (π), and pays lump-sum taxes (T). The consumer's utility function is u(c,l)=ln(c)+2ln(l), and the firm's production function is Y=zK_θN_1−θ. List the requirements that must be satisfied to achieve competitive equilibrium in this economy. 2. Suppose z=9,θ=1/3, K=72 and the hourly wage is w=12. Solve the firm's profit maximization problem for N∗. Compute the firm's output Y and profit π at the optimal choice of N∗. Suppose the consumer earns hourly wage w=12, pays lump-sum taxes T=36 per day, and receives the profits from the firm that you found in part 2 above, Solve for the consumer's optimal choices c∗ and l∗, and determine how much labor the consumer supplies. 4. (4 points) Write the market clearing equations for the output and labor markets. State whether or not these markets are clear, i.e. whether or not supply equals demand in each. [Note that G=36 since T=36 and the government budget must balance.] If the markets do not clear, state whether there is excess demand or excess supply in each market. 5. (5 points) This economy is not in equilibrium, and in order to achieve equilibrium the wage rate would need to adjust. Would the wage would need to increase or decrease to achieve equilibrium? Why? Your explanation should include a description of how both consumer and firm behavior would change, and why those changes would move the economy towards equilibrium. [Hint: your explanation should include a discussion of each of the endogenous elements in the market clearing equations from part 4.] 6. Bonus: (up to 5 points) Find the equilibrium wage rate that would satisfy competitive equilibrium in this economy. Show that the output and labor markets are clear at the wage rate that you found. [Note: the solution for w∗ is not a whole number, so you should round to two decimal places in all calculations.]
The firm will demand more labor, moving towards equilibrium.at the same time, a lower wage rate increases the consumer's purchasing power, allowing them to consume more goods and leisure, which increases.
to achieve competitive equilibrium in this economy, the following requirements must be satisfied:
1. goods market clearing: the quantity of output demanded by consumers (c) must equal the quantity of output supplied by the firm (y). demand: c = y
supply: y = zk^θn⁽¹⁻θ⁾ the goods market clears if c = zk^θn⁽¹⁻θ⁾.
2. labor market clearing: the quantity of labor supplied (n) must equal the quantity of labor demanded by the firm (n^*).
supply: n = n^* demand: n^* = θy / w
the labor market clears if n = θy / w.
3. government budget constraint: government expenditures (g) must equal lump-sum taxes (t). g = t
now, let's solve the given problem:
2. firm's profit maximization problem:
the firm maximizes profits by choosing the optimal quantity of labor (n^*) that maximizes output.the profit maximization problem is: max y - wn - zk.
substituting the production function, we have: max zk^θn⁽¹⁻θ⁾ - wn - zk.
taking the derivative with respect to n and setting it equal to zero:θzk^θn⁽⁻θ⁾ - w = 0
n^* = (θzk^θ / w)^(1 / (1 - θ))
substituting the given values:n^* = (1/3 * 9 * 72⁽¹³⁾ / 12)⁽³²⁾ = 6.
firm's output:
y = zk^θn⁽¹⁻θ⁾ = 9 * 72⁽¹³⁾ * 6⁽²³⁾ = 216.
firm's profit:π = y - wn = 216 - 12 * 6 = 144.
3. consumer's optimal choices:the consumer maximizes utility subject to the budget constraint.
the problem is: max ln(c) + 2ln(l) subject to c = w(24 - l) - t + π.
taking the derivative with respect to c and setting it equal to zero:1/c - λ = 0, where λ is the lagrange multiplier.
taking the derivative with respect to l and setting it equal to zero:
2/l - λw = 0.
from the budget constraint, we have:c = 12(24 - l) - 36 + 144.
solving the equations simultaneously, we find:
c^* = 144, l^* = 10.
labor supplied by the consumer:labor supplied = 24 - l^* = 24 - 10 = 14.
4. market clearing equations:goods market clearing:
c = yc = 144 (from consumer's optimal choice)
y = 216 (from firm's output)since c < y, there is excess supply in the goods market.
labor market clearing:n = n^*
n = 14 (labor supplied by the consumer)n^* = 6 (firm's optimal labor choice)
since n > n^*, there is excess supply in the labor market.
5. adjusting the wage rate to achieve equilibrium:the wage rate (w) would need to decrease to achieve equilibrium.
when the wage rate decreases, it reduces the cost for the firm to hire labor, and at the same time, a lower wage rate increases the consumer's purchasing power, allowing them to consume more goods and leisure, which increases
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The way that a society allocates resources to satisfy human wants is called Select one: A. an assumption. B. realism. C. an economic system. D. ceteri
Answer:
the answer might be D
Explanation:
im not sure
A father wants to gift his daughter a present for her marriage, he offers her three options: Option A: $55,000 today Option B: $8,000 every year for 10 years Option C. $90,000 in 10 years Assuming a discount rate of 7%, calculate the present value of each option (give an answer for each) and decide what option is best for the daughter For the toolbar, press ALT+F10 (PC) or ALT+FN+F10 (Mac). BIUS Paragraph Arial 10pt A IX0
The father offers his daughter three options for a marriage gift: Option A, a lump sum of $55,000 today; Option B, an annual payment of $8,000 for 10 years; and Option C, a lump sum of $90,000 in 10 years.
To determine the present value of each option, we need to discount the future cash flows to their current value using the discount rate of 7%.
For Option A, the present value is simply the offered amount of $55,000 since it is received immediately.
For Option B, we need to calculate the present value of the annual payments of $8,000 for 10 years. Using the formula for the present value of an ordinary annuity, the calculation yields a present value of approximately $58,574.
For Option C, we need to calculate the present value of the $90,000 to be received in 10 years. Using the formula for the present value of a single future amount, the calculation yields a present value of approximately $51,934.
Comparing the present values, Option B has the highest value of $58,574, followed by Option A with $55,000, and Option C with $51,934. Therefore, Option B, receiving $8,000 annually for 10 years, is the best choice for the daughter based on present value calculations and the given discount rate.
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What is TRUE about non-depository financial institutions?
Non-Depository financial institutions are those institutions that provide various financial assistance. These institutions serves as an intermediaries between borrowers and savers. ... The non-depository financial institutions include commercial banks, credit unions, and saving banks. Therefore, option D is correct
True or False: Employees may not demand a particular accommodation other than a reasonable one offered by the employer.
True, employees may not demand a particular accommodation other than a reasonable one offered by the employer. The employer is obligated to provide reasonable accommodations to employees with disabilities under the Americans with Disabilities Act (ADA) and other related laws.
This means that the employer must engage in an interactive process with the employee to identify and implement an appropriate accommodation that enables the employee to perform the essential functions of their job. However, employees do not have the right to insist on a specific accommodation if the employer has already provided a reasonable alternative.
The employer has the discretion to choose between multiple effective accommodations, considering factors such as the cost, the impact on the workplace, and the feasibility of implementation. Employees can provide input on their preferred accommodation, but they cannot demand it.
In conclusion, it is true that employees may not demand a particular accommodation other than a reasonable one offered by the employer. The employer's responsibility is to provide a suitable and effective accommodation, but they have the ultimate decision-making authority on which accommodation to provide.
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if a transaction says started a business with cash 80000 Rands in bank is it a contra entry?
Answer:
yes
Explanation:
because, Contra entries are those entries in which same account can be debited and credited in contrary situation. For example we debit Bank account when depositing cash.At the same time we credit bank account when withdrawing money from bank.
Madeline’s friends invited her to go to Cancun next year for vacation. She really wants to go, but she’s not sure if she can afford the $1,000 trip. She has $500 saved in her dresser and has one year to save the rest, but she’s not sure where to keep her money so she can maximize her savings. What is the best savings strategy for Madeline and why?
The best type of savings that Madeline would have would be the certificate of deposit.
What is savings?This is the action that has to do with actively saving up money or keeping money periodically for use at a later time period. The money that is kept is basically to be able to take care of unforeseen circumstances that may arise in the life of the person.
The certificate of deposit is the type of strategy that Madeline would be using to save up her money. This is because this strategy has a way of taking care of the issues that may come around later and still give her the the fixed time at the higher rate that would make her to leave the money for a year and still work for the other sum.
The best type of savings that Madeline would have would be the certificate of deposit.
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what are the pros and cons of going through economic transition from a centrally planned to a mixed economy
Answer:
There are benefits and drawbacks to command economy structures. Command economy advantages include low levels of inequality and unemployment, and the common good replacing profit as the primary incentive of production. Command economy disadvantages include lack of competition and lack of efficiency.
Explanation:
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Which of the following should be used to establish baseline
performance for the restaurant?
All the above
average check
meal duration
seat occupancy
RevPASH
All of the above options should be used to establish baseline performance for the restaurant.
Establishing baseline performance for a restaurant involves measuring and analyzing various factors that contribute to its overall performance.
The options provided, including average check, meal duration, seat occupancy, and RevPASH (Revenue Per Available Seat Hour), are all important metrics that can be used to establish this baseline.
Average check refers to the average amount spent by each customer during a meal.
It helps in understanding the revenue generated per customer and can indicate the pricing strategy and customer spending patterns.
Meal duration measures the average time customers spend at the restaurant. It provides insights into the efficiency of service, table turnover rate, and customer satisfaction.
Seat occupancy indicates the percentage of occupied seats during a specific period. It reflects the restaurant's capacity utilization and can help identify peak and off-peak periods.
RevPASH calculates the revenue generated per available seat hour. It takes into account both seat occupancy and the revenue generated, providing a comprehensive performance metric.
By considering all of these factors, a restaurant can establish a comprehensive baseline for its performance, allowing for comparison and analysis over time.
These metrics provide valuable insights into different aspects of the business and help in identifying areas of improvement and growth opportunities.
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True or false:
Global marketing strategies are essential for 21st century businesses.
Answer:
true
Explanation:
Its an easier way to get your cash
:)
the phase of the business cycle in which real gdp declines is called: group of answer choices a recession. the trough. an expansion. the peak.
The correct answer is "a recession." The phase of the business cycle in which real GDP declines is referred to as a recession.
During a recession, economic activity contracts, leading to a decrease in output, employment, and income. It is characterized by a sustained period of economic decline and is typically accompanied by factors such as reduced consumer spending, decreased investment, and a slowdown in business activity. The opposite phase, in which real GDP increases, is called an expansion. The trough represents the lowest point of the recession, while the peak is the highest point of the expansion.
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A small island country has recently begun an initiative aimed at attracting more businesses to revitalize the economy. An increase in bed and breakfasts, resorts, casinos, hotels, and restaurants has created several jobs, as well as brought in more tourist dollars. However, the island’s president isn't satisfied and has announced a special effort to attract small- to medium-size suppliers and manufacturers. Why do you think he wants to put additional emphasis on businesses that produce goods rather than provide services?
Service jobs have higher salaries than manufacturing jobs.
Manufacturers pay more in taxes.
Manufacturing has the most significant multiplier effect.
Service businesses conflict with manufacturing.
Option (b) Manufacturing has the most significant multiplier effect.
Manufacturing is the basic to produce any product or to start any business. As in the case study we studied small island country has taken initiative to attract more and more business. On the other hand, president has announced a special effort to attract small- to medium suppliers and manufactures because to firstly balance everything in the economy like reduce unemployment, providing proper wages so that workers would encourage to perform best in their fields.Once the everything is balanced then it can lead to hike in the economy.Learn more about this here-
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What is the main purpose for the operation bank
Answer:
To secure people's money
Explanation:
People's money can easily be stolen but if you put your money in the bank they would have to be a skilled hacker to steal your money
Edison Consulting received a $300 utilities bill and immediately paid it. Edison's general journal entry to record this transaction will include a:'
Edison's general journal entry to record this transaction will include a:Credit to Utilities Expense for $300.
Journal entryAssuming the Consulting company received the amount of $300 utilities bill in which they immediately paid it, the appropriate journal entry to record this transaction will be to Credit to Utilities Expense for $300.
Edison Consulting journal entry
Debit Cash $300
Credit to Utilities Expense for $300
(To record utilities expense)
Inconclusion Edison's general journal entry to record this transaction will include a:Credit to Utilities Expense for $300.
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Joel takes out a loan with a stated rate of 11. 85% interest. If the interest is calculated weekly, how much greater is Joel’s effective rate than his stated rate? a. 0. 72 percentage points b. 0. 52 percentage points c. 0. 70 percentage points d. 0. 67 percentage points.
The correct statement is that Joel's effective will be greater than 0.25 percentage points. So, the correct option for the statement is not given in the options above.
Nominal rate of interest can be calculated by the way of using the given information into the derived formula and comparing with such effective rate of interest.
It has been given that the nominal rate of interest is 11.85% which can also be written as 0.1185. So putting the values in the following formula by assuming that the loan was taken for one year. \(\rm Effective\ Rate\ of\ Interest= (1+ \dfrac{i}{m})^r^n-1\\\\\\\rm Effective\ Rate\ of\ Interest= (1+ \dfrac{0.1185}{52})^0.1185^ x\ ^1-1\\\\\\\\\rm Effective\ Rate\ of\ Interest= (1+0.0022)^5^2\)Calculating further we get, \(\rm Effective\ Rate\ of\ Interest= 1.1210596389784-1\\\\\\\rm Effective\ Rate\ of\ Interest=0.121\)Now comparing the nominal rate with the effective rate of interest we can conclude that the difference is greater than by 0.25 percentage points.Hence, the correct option is that the effective rate for Joel is greater by 0.25 percentage points and no option in the statements quoted above is correct.
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