$375 can avril and john take as a credit for the elderly or the disabled.
What is meant by social security ?
Social security protection is officially referred to as a fundamental human right in ILO agreements and UN treaties, despite the fact that it only benefits a small part of the world's population. Social security is frequently described as a system of contribution-based health, pension, and unemployment insurance, together with social benefits that are funded by taxes, in a society that is becoming more global.
Social security is the safety net that a society offers to people and families to ensure that they have access to health care and to provide them with financial stability in cases of old age, unemployment, disease, invalidity, work accidents, maternity, or the death of a primary earner.
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Assume you only wanted to purchase a single fund, but you wanted your portfolio to include stocks of companies from all over the world, including U.S. stocks. Which type of fund would you want?
An investment best practice is to diversify your stock market portfolio to reduce non-systemic, or company-specific, risk by ensuring that no one company has an excessive influence on the value of your holdings.
Why is it better to invest in a portfolio rather than a single security?Benefits of a Diversified Portfolio Diversification lowers an investor's overall risk and volatility. Other portfolio investments can make up for losses caused by poor performance in one area. When investors hold assets with a negative correlation, this is especially true.
Is it typically preferable to invest in a single stock as opposed to a portfolio?Advantages of Holding Single Stocks When you buy a stock, you pay a fee, and when you sell it, you pay a fee. There are no additional costs the remainder of the time. Your cost of ownership will decrease the longer you keep the stock. Owning individual stocks is a good idea simply because fees have a big impact on your return.
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in general, aversion therapy and contingency management for substance use disorders are more successful when:
Regaining a normal weight is the first goal of treatment.Anorexia cannot be overcome without regaining a healthy weight and learning how to properly eat.Participants in this process might include:Your primary care physician, who can both monitor your calorie requirements and weight gain.
When people want to get rid of stress, what are the most common things they do?
When people want to get rid of stress, the most common activity they engage in is: entertainment, such as reading, listening to music, or watching television.The following is a description of intentionally faking illness in order to achieve some external gain:malingering.
Which circumstance is most likely to result in a muscle dysmorphia diagnosis?
Body dysmorphia may be exacerbated by certain life experiences and underlying psychological factors, according to the Mayo Clinic.Muscle dysmorphia can affect men and women alike.This condition may be influenced by negative childhood experiences like being bullied or being teased about your size.
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Identify Karla’s job based on the given scenario.
Karla is a sales manager. She uses a system that streamlines sales tasks such as information sharing, and order tracking. This system helps track the success of her on-floor sales personnel. She uses sales force _____
The given scenario is related to salesforce. Since it is technological world, "Salesforce is the software" which is used to track sales, get in touch with the customer easily, stay connected with various stakeholders of the organization.
What is Salesforce?The term "Salesforce" is connected to two items. Salesforce generally refers to keeping track of sales and evaluating their performance so that we can estimate the organization's future budget, revenue, and rate of expansion. Since we live in a technological age, "Salesforce is the software" that is used to monitor sales, communicate with customers quickly, and maintain relationships with many organizational stakeholders. It can also remove the barrier to getting products across geographic boundaries. San Francisco, California-based Salesforce, Inc. is a company that sells cloud-based software in the United States. The company's customer relationship management software and apps are primarily focused on sales, customer service, marketing automation, analytics, and application development.To learn more about Salesforce refer to:
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which phase of the customer life cycle categorizes customers according to value and attempt to win back high-value customers? which phase of the customer life cycle categorizes customers according to value and attempt to win back high-value customers? relationship management customer sponsorship customer acquisition loss/churn marketing
An organization classifies its customers according to value at the (c) customer acquisition phase of the customer life cycle and makes measures to retain high-value clients.
When a customer is familiar with your brand and its content, it's time to take things a step further by providing self-service resources that cover every facet of your product. Giving potential purchasers as much information as you can make their lives easier. They won't need to contact your customer support representatives as often, and it will assist them in making an informed buying decision.
You might create a knowledge base, for instance, which is a complete online repository made available by your company and contains in-depth information on the uses of your products and services as well as solutions to frequently asked problems.
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a corporate bond currently yields 8.5 percent. municipal bonds with the same risk, maturity, and liquidity currently yield 5.5 percent. at what tax rate would investors be indifferent between the two bonds?
35.29% would be the tax rate where investors would be indifferent between the two bonds.
What are corporate bonds and municipal bonds?Bonds appeal to many investors because they provide a chance to create a consistent income stream without carrying the same level of risk that has come to define the stock market. But not all bonds are the same, so if you're seeking to add some to your portfolio, you might want to take both corporate and municipal bonds into consideration. A municipal bond is a financial instrument issued by a city, municipality, or state to raise money for public projects, as opposed to a corporate bond, which is a debt instrument issued by a firm to raise cash. Although there are some tax exemptions for municipal bond interest, corporate bond interest is always subject to tax. However, corporate bonds often provide larger rates in return.
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The tax rate would investors be indifferent between the two bonds is 35.29%.
What are corporate bonds and municipal bonds?Bonds appeal to many investors because they provide a chance to create a consistent income stream without carrying the same level of risk that has come to define the stock market. But not all bonds are the same, so if you're seeking to add some to your portfolio, you might want to take both corporate and municipal bonds into consideration. A municipal bond is a financial instrument issued by a city, municipality, or state to raise money for public projects, as opposed to a corporate bond, which is a debt instrument issued by a firm to raise cash. Although there are some tax exemptions for municipal bond interest, corporate bond interest is always subject to tax. However, corporate bonds often provide larger rates in return.
5.5% = 8.5% * ( 1 - x)
5.5% = 8.5% - 0.085x
0.085x = 8.5% - 5.5%
0.085x = 3%
x = 35.29%
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rick bought a bond when it was issued by macroflex corporation 14 years ago. the bond, which has a $1,000 face value and a coupon rate equal to 10 percent, matures in six years. interest is paid every six months; the next interest payment is scheduled for six months from today. assuming the yield on similar risk investments is 14 percent, calculate the current market value (price) of the bond.
The current market value(price) of the bond is $917.771
Life=20 years but is 14 years old
Coupon rate=10%
Discount rate=12%
FV=$1000
Price=$100*PVIFA(12%,6)+$1000*PVIF(12%,6)
=$411.140+$506.631
=$917.771
An IOU-like debt security known as a bond. Borrowers create bonds to get money from investors who are willing to lend to them for a set length of time. When you buy a bond, you are lending money to the issuer, which could be a business, an organization, a municipality, or both. The four different categories of bonds include corporate bonds, municipal bonds, government bonds, and agency bonds. Bond prices and coupon rates have an opposing relationship. Bond prices decline when interest rates increase and rise when interest rates decrease.
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ou would like to have enough money saved to receive $80,000 per year in perpetuity after retirement for you and your heirs. how much would you need to have saved in your retirement fund to achieve this goal? (assume that the perpetuity payments start one year from the date of your retirement. the annual interest rate is 8 percent.)
You need to have saved $1,000,000 in your retirement fund to achieve this goal.
In the field of finance, a security that generates an endless supply of cash is known as perpetuity. It functions as a kind of perpetual annuity. The quantity of the regular cash flows is simply divided by the discount rate to get the present value of a perpetuity.
Calculate how much would need to be saved in your retirement account for you to reach this objective.
We will use the perpetuity equation,
PV=C/r
Where, C=Perpetuity after retirement
r=Annual interest rate
Now, put the values in the formula,
PV = (80,000/0.08)
PV= $1,000,000
Therefore, $1,000,000 in retirement savings would be required for you to reach this goal.
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what's the price at which a willing buyer and a willing seller would strike a deal given normal market conditions?
The price at which a willing buyer and a willing seller would strike a deal given normal market conditions is fair market value.
The price at which a willing seller and willing buyer, neither of whom is under any obligation to buy or sell, and both of whom have reasonable awareness of material facts, would exchange the property is its fair market value.
Market value or evaluated value are not the same as fair market value. Instead, it represents the worth a piece of property would have if a willing seller agreed to sell it to a willing buyer at a specific time. There are a few restrictions, specifically:
The parties involved are all operating in their own interests and neither the buyer nor the seller are under any pressure to complete the transaction.
Both the buyer and the seller are fully informed about the property (nothing is hidden or withheld).
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When you consider what product to buy and what price to pay for it, you are
using which of the following processes?
Select one:
O a. the needs versus wants process
O b. the decision-making process
O c. the price versus use process
d. the resource management process
The answer is A
Explanation:
cause u are considering if u need it or not and if u buy it will u regreat it
n auditing accrued liabilities, an auditor's procedures most likely would focus primarily on management's assertion of:
In auditing accrued liabilities; an auditor's procedures most likely would focus primarily on management's assertion of Completeness.
Accrued liabilities are most effective mentioned below accrual accounting to symbolize the overall performance of a organization no matter their coins position. They appear at the stability sheet below present-day liabilities. Management assertions are claims made with the aid of using contributors of control concerning positive factors of a business. The idea is normally utilized in regard to the audit of an organization's monetary statements, in which the auditors depend upon plenty of assertions concerning the business.
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whether a good is a luxury or necessity depends on the group of answer choices price of the good. preferences of the buyer. intrinsic properties of the good. scarcity of the good.
A good is a luxury or necessity depends on preference share of the buyer.
Necessity goods refer to those goods for which there is no change in demand with a chnage in the income of consumer. Example : Salt, wheat flour, medicines etc.. These goods are essential for human existence and, therefore, they occupy a higher place in the consumers' order of preference.
When the income increases the consumer buys more of luxury goods. Necessity goods cannot be postponed even if the price increases, whereas luxury goods can be postponed if its price is too high.
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The lecture on film genre described the hollywood system of film genres as offering both ________ and _______.
The lecture on film genre described the hollywood system of film genres as offering both Representation and position.
The purpose, tone, and some of characteristics the classification criteria that are taken into account.Drama, comedy, and action are asmall number of the movie’s genre. In action movies, it typically entails an automobile chase and a struggle with weapons. For humour, it entails characters that are humorous hilarious gestures or sentences. Drama entails weeping and crying in plenty.It is best to contrast the documentary from every other moment, taking into account how Schrader’s formulation phase was implemented for both the traditional and current black senses. The 1944 film “Double payment” by Billy Wilder looks to be the key black text of the cinematography age.
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g apr on a loan is 6% compounded quarterly the effective annual rate is the borrower paying? what is compounded monthly
6.17 percent As an illustration, an effective interest rate of 6.17 percent corresponds to a nominal interest rate of 6% compounded monthly.
How is effective annual compounded quarterly calculated?The calculations and formula are as follows: The effective annual interest rate is (1 minus the nominal rate multiplied by the number of compounding periods) minus 1.This is what investment A would be:10.47% = (1 + (10% ÷ 12)) ^ 12 - 1.
Which is superior, monthly or annual compounding?However, compounding typically results in a higher annual interest rate. The amount invested grows for twelve months rather than monthly. But if you can get the same interest rate for monthly payments as for annual payments, take advantage of it.
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hotel dreamlandia has a unique concept, with all the hotels having exactly 250 rooms and the same layout for all of its 200 locations that are spread out equally around the globe. hotel dreamlandia is likely using:
Hotel Dreamlandia has a unique concept, with all the hotels having exactly 250 rooms and the same layout for all of its 200 locations. Hotel Dreamlandia is likely using Undifferentiated Marketing.
Undifferentiated Marketing is employed by businesses that make items for everyday usage. This approach allows you to design campaigns without conducting extensive market research to learn what your target audience wants and needs. As many individuals as possible are to be influenced and reached by the plan. Marketers employ radio, TV, and newspapers as platforms for product marketing in order to accomplish this aim. As a consequence, the corporation makes the product more widely known, which has a direct impact on the volume of sales and overall income.
For commonly consumed goods like gasoline, soft drinks, dairy products, bread, personal hygiene products, etc., this strategy makes the most sense. Due to the constant evolution of consumer values, attitudes, and behavior, businesses that sell these products should always keep an eye on it.
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which stage of consultation involves making contact with the consulting system, exploring the problem, and defining the contract between the consultant and the consulting system?
Entry is the stage of consultation involves making contact with the consulting system, exploring the problem, and defining the contract between the consultant and the consulting system.
Answer is - Entry
What does exploring life mean?
Exploring Life Meaning and Purpose. Finding life meaning and purpose is an individual journey that often starts with a major life change such as surviving an accident, experiencing personal loss, or surviving a life-threatening medical diagnosis.
What is learning by exploring?
Exploration learning is an active learning approach that helps children learn by curiosity and inquiry. Learning through exploration is a process the way one approaches a particular situation. Indeed, one can assert that its the most effective way of learning.
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the exchange value of a good or service (the value that an item can be exchanged for in the marketplace) is called
The exchange value of a good or service (the value that an item can be exchanged for in the marketplace) is called price.
A price is the amount of money that is (often not negatively) exchanged from one party to another in exchange for their goods or services. The cost of production may go by another name in some circumstances. If a product is classified as a "good" in a commercial exchange, its price is most likely to be referred to as such.
However, there will be alternative titles for this thing if it is a "service." For instance, the graph at the bottom will display various circumstances. Production expenses, the availability of the desired item, and consumer demand all have an impact on a good's pricing. A price may be set by a monopolist or imposed on the company by the market.
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the purchase of a car requires a $25,000 loan to be repaid in monthly installments for 4 years at 9% interest compounded monthly. if the general inflation rate is 4% compounded monthly, find the actual and constant dollar value of the 20th payment.
The actual and constant dollar value of the 20th payment is $622.13 and $582.07.
What is constant dollar value?
When comparing dollar values between periods, a constant dollar is a currency value that has been altered. The purchasing power of the dollar fluctuates over time due to inflation, hence in order to compare dollar values from one year to the next, nominal (present) dollar values must be converted to constant dollar values. Real dollar value and constant dollar value are both acceptable terms.
According to the question
P = the asset's initial purchase price
A= the annual sum that is included in the calculation,
I =the applicable interest rate, and
N=the total number of applicable time periods.
On substituting the given values to get:
A'20 = P(A/ P, i, N)
A'20 = $25,000(P/A, 0.0075, 48)
A'20 = $622.13
Therefore, the 20th cycle payment for the car loan is approximately $622.13 in actual cash.
Remember that the sum in constant dollars must be calculated using the 4% inflation rate. If the real interest rate is applied in this case, the solution is flawed. Additionally, the actual dollar payment shown above must be entered into the variable F in this scenario:
A'20 = F(P/F, i, N)
Where,
P = the present worth of a cash flow series,
F = the future worth of a cash flow series,
i' = the invested interest rate of return, and
N = the number of time periods applicable to the situation at hand.
Putting the given values in the above equation, one gets:
A'20 = F(P / F, i, N)
A'20=$622.13(P / F, 0.0033, 48)
To find the factor values. In this case, one would want to look at the second column for the other factor value applicable here(P/F, i, n).
A'20 = $622.13(P / F, 0.0033, 48)
A'20 = $622.13(0.9356)
A'20 = $582.07 20
Thus, the 20th payment in constant dollars is approximately $582.07.
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standardized, reusable containers have fairly obvious benefits for shipping. what is the purpose of these devices within the plant?
The purpose of these devices within the plant is that specific amounts are frequently protected using standardized containers.
Additionally, they result in less wasteful space and weight, as well as less labor-intensive packing, unpacking, and preparation. Reduced labor costs: standardized reusable components provide a constant production flow, enhancing labor productivity. Better protection for items in transportation is provided by sturdy containers, which leads to reduced damage and loss and safer handling.
Numerous advantages come with reusable containers. They not only are made to specifically protect the products they contain, but they also save money and produce less waste, all of which help advance sustainability. Some industries, like those in the food and beverage industry, especially the dairy industry, and the automotive sector, rely on reusable containers, but the advantages can only be realized when the containers are used properly.
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Your organization’s network has multiple layers of security devices. When you attempt to connect to a service on the internet. However, you receive a security message from the operating system stating that this service is blocked on your workstation. What could be the probable cause?.
A security message from the operating system stating that this service is blocked on your workstation results due to the probable cause of the host-based firewall settings are blocking the service.
A firewall is security software that functions primarily to stop any unauthorized access to a service. The host of a company might use a firewall in order to block those services that can be a threat to the company or that might be blocked for maintaining privacy.
An organization that has many computers in the work setup tends to use a firewall for blocking any service that is a threat to the company. If a firewall is not used, then there is a security risk.
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question content area under the inventory method, accounting records maintain a continuously updated inventory value. a.periodic b.physical c.retail d.perpetual
The perpetual inventory approach involves continuously updating the inventory value in accounting records.
What inventory method is applied to maintain an updated inventory value in accounting records?Manual inventory inspections are no longer required thanks to perpetual inventory, a computerized point-of-sale system that constantly logs inventory changes in real time.
Which of the following inventory management systems keeps a running tally of the price of items both on hand and sold?The perpetual inventory system continuously monitors inventory balances. This is accomplished by automated systems that track inventory purchases and sales utilizing enterprise asset management (EAM) and point-of-sale (POS) technology.
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. a toyota tundra can be purchased today for $32,350. a civil engineering firm is going to need three more trucks in 2 years because of a land development contract it just won. if the price of the truck increases exactly in accordance with an estimated inflation rate of 3.5% per year, determine how much the three trucks will cost in 2 years.
Toyota tundra can be purchased today for $32,350. an estimated inflation rate of 3.5% per year, the three trucks will cost 2 years = $103,962.
The rate of price growth over a specific time period is referred to as inflation. Inflation is frequently measured broadly, such as the general rise in prices or the rise in the cost of living in a nation. Unevenly rising prices in an inflationary environment inevitably lower some consumers' purchasing power, and this erosion of real income is the single biggest cost of inflation. With its headquarters in Toyota City, Aichi, Japan, Toyota Motor Corporation is a multinational Japanese automaker. On August 28, 1937, it was incorporated and Kiichiro Toyoda founded it. With an annual production rate of about 10 million vehicles, Toyota is one of the biggest automakers in the world.
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the amount of money that the borrower receives at the time a discounted note is made is known as the numerator
False. The numerator of a discounted note is not the sum of money that the borrower receives at the time it is issued.
A discounted note is what?Any short-term debt obligation that is issued at a discount from par is known as a discount note. Discount notes, which resemble zero-coupon bonds and Treasury bills (T-Bills), are typically issued by government-sponsored organizations or borrowers with strong credit ratings.
Up to one year is the maximum maturity period for discount notes. Investors are not given periodic interest payments with discount notes. Instead, investors buy discount notes at a reduced cost and receive the full face value (also known as "par value") of the note when it matures.
Discount notes are fixed-income securities that don't pay interest while they're outstanding. The notes are sold at a discount to par because investors do not receive the additional benefit of recurring interest income.
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In 2008, the US economy slipped into a recession. GDP dropped for two consecutive quarters, the economy experienced some deflation, and the unemployment rate rose to 7.6% in January 2009. As an economic advisor to Congress and the President, what would you suggest should be done regarding the tools of Fiscal Policy? Write a paragraph explaining how your recommendations pertaining to two fiscal policy tools would work to improve aggregate demand and increase the circular flow, while remedying the economic indicators listed above.
The tools for the fiscal policy to solve the problem for recession are spending tool and revenue tool.
Spending tool involves government spending. Government should increase its capital expenditure such as building building, roads, dams ,schools, hospitals. These spending will increase country's capital stock as it will increase the employment level and adds up to the people earning.
It will in increasing the consumption pattern in the economy and results in in increasing the aggregate demand , hence the problem of recession will be solved.
Revenue tools includes direct taxes and indirect taxes.
Government should decrease the tax rates , so that it will increase the real income of the people which will increase the consumption and aggregate demand in the economy .
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illcrest co. sold $500 of merchandise on a bank credit card with a 5% fee. the entry to record this sales transaction would include debit(s) to: multiple choice question.
The sum owing to a business for products or services that have been delivered or used but have not yet been paid for by clients is referred to as accounts receivable (AR). The debt to cash entrance into the record sales would be 970 dollars.
The percentage Is a value that has been multiplied by 100. In this manner, expressing 25% of a value is equivalent to expressing 25% out of 100, or 25% divided by 100. Simply multiply the total by the percentage to determine the precise number of absentees from the event. So: 160 x 25% = 160 (25/100) = 160 x\s0.25 = 40 This is so that the cash sum received will be equal to the sales values multiplied by one less the credit card fee.The amount of debt to cash that would be used to pay for the record sales would be 1000 x (1-0,03) 1000 x 0,97 = 970$.
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in a one dimensional city with all economic activity at a single point (cbd), if there are two types of workers, drivers and walkers, and both types have the same hourly earnings, how will the two types become arranged in the city?
In a one dimensional city with all economic activity at a single point (cbd) , the walkers will be at the center of the city and the commuters would be close to point cbd.
What do you think "economic" means?Economics is the study of scarcity and how it affects a wide range of intricate social problems, such as how resources are used, how commodities and services are produced, how output and welfare increase over time, and a host of other complex problems.
What is the main objective of economics?Economics majors have a greater understanding of the world around them. People can better respond to problems and opportunities presented by changing circumstances by being able to understand other people, companies, markets, and governments.
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What term best refers to the value of all nations' economies functioning as a large, increasingly synchronized, global financial system?
Question 5 options:
protectionism
global economy
free trade
domestics
The term that best refers to the economies of all nations existing as an increasingly synchronized, global financial system, is global economy.
What is the global economy?As times have passed, the world's nations have become increasingly integrated in what is called globalization. This integration has happened in various ways such as financial, social, and economically.
As a result, the term, "global economy" was coined to reflect the fact that the global financial and economic system are not more synchronized and therefore affect each other both negatively and positively.
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true or false: assuming implicit costs are positive, each of the firms operating in this industry in the long run earns positive accounting profit.
False, assuming implicit costs are positive, each of the firms operating in this industry, in the long run, earns positive accounting profit.
industry: a collective of profitable businesses or establishments that create or provide products, services, or sources of income. industry are typically categorized in economics as primary, secondary, tertiary, and quaternary; secondary industries are additionally categorized as heavy and light. Obtaining raw materials involves primary industries like mining, agriculture, and fishing. A profit is an income that is given to the owner in an efficient market production process in accounting. The owner's primary interest in the income-formation process of market production is profit, which is a measure of profitability. Different profit metrics are frequently employed. The equation Total Revenue - Total Expenses = Profit makes calculating profit simple.
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a television commercial for senseo brand of coffee maker that can make coffee similar to what consumers purchase at coffee shops (e.g., starbucks) encourages viewers to remember the experience of drinking their favorite coffee drinks at these types of shops. this coffee maker allows consumers to experience that sensation at home. what is this marketer trying to encourage?
Customers may have that experience at home thanks to this coffee machine. The marketer is attempting to promote Elaborative activity.
Elaborative activities: What are they?A method for helping the short-term memory hold onto concepts and transfer them to the long-term memory is elaborate rehearsing. In order to make new concepts stick, it links them to previously learned ideas that are already stored in the long-term memory.
What is a good illustration of elaborate rehearsal?Imagine meeting someone with the name Sandy and then associating that name with a sandy beach in order to remember it. This is an example of elaborate rehearsal. The idea is to develop a unique, unforgettable connection with a new fact that one wishes to remember.
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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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________ is the process of assigning managerial authority and responsibility to lower-level managers and employees.
Delegation or delegation of authority is the process of assigning managerial authority and responsibility to lower-level managers and employees.
Delegation of authority, or delegation in short, is the division of labor and responsibility to someone that reports to a leader or manager. It is the organizational way for a manager to divide their own work among all their people. There are three central elements in a delegation of authority:
Authority, which is the power and right to use and allocate resources.Responsibility, which is the scope to complete the task they're assigned for.Accountability, which is being answerable for the end result.Learn more about delegation of authority https://brainly.com/question/28620005
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