compensation relating to stock option grants should be multiple choice question. recognized over the service period for which employees receive options. ignored permanently if the current market price of the stock does not exceed the exercise price. ignored until the grants are exercised.

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Answer 1

Companies can reward employees with stock or stock options instead of cash through stock compensation.

Explain about the stock compensation?

Before an employee can receive and sell stock compensation, there is frequently a vesting period that must be satisfied.

One type of payment is stock options. Employees, independent contractors, consultants, and investors may be granted them by businesses. These contracts, or options, provide employees the right to purchase or exercise a predetermined number of shares of company stock at a defined price, or the grant price.

You have two options if you receive a restricted stock award: either you pay ordinary income tax on the award when it is given, or you pay long-term capital gains taxes on the gain when you sell the stock.

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reading comments on social media sites about companies or products rarely offers valid insight into how consumers are reacting to products or services.

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False, social media comments about businesses or items seldom provide useful information about how customers are responding to goods or services.

What do services in business mean?

A broad word used to describe labor that helps a firm but doesn't create a material good is "business services." A significant business service that supports several other business services, including purchasing, shipping, and financing, is information technology (IT).

What does service have power for?

The Influence of Service A complete strategy for customer service called "Keeping Customers for Life" ultimately holds each person accountable for their actions. It deals with the complicated problems that have an impact on people's propensity to work hard and commitment to their jobs.

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True or false: The constant perpetual growth model can be usefully applied only to companies with a history of relatively stable earnings and dividends that are expected to continue to grow into the future.TRUE

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The statement is true. The perpetual growth method assumes that a business will generate cash flows at a constant rate forever.

What is the perpetual growth model?It is calculated by multiplying the estimated cash flows for the company's tenth year by one plus the long-term growth rate of the business and dividing the result by the difference between the cost of capital and the growth rate.The predicted value of a business after the explicit projection period is known as terminal value. Given that it often accounts for a significant portion of a company's overall value, it is an important component of the financial model. The DCF terminal value calculation has two different approaches: perpetual growth and exit multiple.The exit multiple technique presupposes that a business will be sold, whereas the perpetual growth method assumes that a business will create cash flows at a fixed pace indefinitely.

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please match each scenario to the inflation term it best exemplifies. you are currently in a sorting module. turn off browse mode or quick nav, tab to items, space or enter to pick up, tab to move, space or enter to drop. inflation deflation disinflation hyperinflation answer bank

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Hyperinflation is the inflation scenario that best exhibits this phenomenon.

Explain about the Hyperinflation?

A condition known as hyperinflation occurs when the cost of goods and services in an economy rapidly and unpredictably increases. If prices increase by 50% or more in a month, which equates to a yearly inflation rate of at least 14,000%, the situation is often dubbed hyperinflation.

People might start storing up things like food. Shortages in the food supply may result as a result. Money loses value when prices rise too much because it has less purchasing power due to inflation. Consumers that have less purchasing power must spend more money to make fewer purchases.

A nation's money supply expanding quickly, often as a result of a government printing more and more money, is what leads to hyperinflation. The value of each individual unit of cash decreases when more money is made available, and prices rises

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direct mailing to 100 customers costs $1200. the number of responses to the mailing is 28. the number of orders is 16, out of which there were 2 returns. what is the conversion rate?

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The conversion rate is 14%

How to calculate conversion rates?

100 customers were served in all.

There are 16 orders total.

There were 2 returns.

Orders net = 16 – 2 = 14

Net orders divided by total consumers reached is the conversion rate.

= 14/100

= 14%

What is Conversion Rate?

The typical conversion rate per ad interaction, expressed as a percentage. Simply dividing the number of conversions by the total number of ad interactions that can be linked to a conversion within the same time period yields the conversion rate. Your conversion rate would be 5%, for instance, if you had 50 conversions out of 1,000 interactions, as 50 divided by 1,000 equals 5%. Your conversion rate may exceed 100% if you track more than one conversion activity or decide to count "Every" conversion. This is because many conversions might be added up for each interaction. To measure your conversion rates and ultimately use them to inform your advertising choices, use conversion tracking in your account.

The conversion rate is 14%

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suppose an ocean liner sinks and its passengers are stranded on a lush tropical island. which of the following could most likely be used as money in the economy that develops among the survivors?

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Beads from the necklaces that were the party favors the night the ship sank could most likely be used as money in the economy that develops among the survivors.

The needs of those who live there and conduct business survivors there are met by the production and consumption of goods and services as a whole. The trade and industry framework through which a nation or region creates and utilises its wealth: The region's economy benefits financially from tourism to the tune of millions. A system of production and exchange of goods is called an economy. A state will fail if its economy is unsustainable. Free market, command, and mixed economies are the three main types of economies.

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In the completed work sheet, which of the following sets of columns would contain the two balances in the Income Summary account representing beginning and ending inventory when using the periodic inventory system?
a. Adjustments and Balance Sheet columns
b. Trial Balance and Adjustments columns
c. Trial Balance and Income Statement columns
d. Adjustments and Income Statement columns
e. Trial Balance and Balance Sheet columns

Answers

The 2 sets of columns that would contain the two balances in the Income Summary account representing beginning and ending inventory when using the periodic inventory system is Adjustments and Income Statement columns. The Option D is correct.

What is an income summary account?

This is a temporary account in which all the income statement revenue and expense accounts are transferred at the end of an accounting period. The net amount, that is transferred into the income summary account equals the net profit or net loss that the business incurred during the period.

So, by shifting revenue out of the income statement means debiting the revenue account for the total amount of revenue recorded in the period, and crediting the income summary account.

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according to respa, what must the lender give to the borrower at either the time of loan application or within three days following application?

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At this stage of the transaction, RESPA requires mortgage brokers and lenders to give borrowers three specific disclosures: At the time of the loan application or within three days after, a Special Information Booklet must be given to the potential borrower.

What is mortgage broker?

A mortgage broker is a middleman who connects mortgage lenders and borrowers, but who does not use their own money to start new mortgages.

A mortgage broker connects consumers with lenders and looks for the deal that best suits their needs in terms of interest rates and financial status.

A financial institution that lends money to you directly is known as a lender. A broker does not provide credit. An agent locates a lender. A broker may collaborate with numerous lenders.

You may be able to save time, effort, and money by using a mortgage broker. Compared to you, a mortgage broker might have better access to lenders.

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When computing the cost to retail percentage for the conventional retail method included in the denominatora net markups and net markdownsb neither net markups nor net markdownsc net markups but not net markdownsd net markdowns, but not net markups

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C. Net markups, but not net markdowns. under the conventional retail method. It is because the denominator in the computation of cost-to-retail percentage  under the retail method, includes purchases, purchase returns,  and also abnormal shortages but it does not include freight-in.

The conventional retail inventory method generally can be defined as a small business's finances as inventory as opposed to products at the company's physical location. The price for purchasing products at cost versus how much the business is selling the products for to the general public is measured in The conventional retail inventory method.

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With respect to establishing your catcard as a trusted credential in a multi-factor authentication process, what role does the uarizona catcard office serve in that process?.

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With respect to establishing your catcard as a trusted credential in a multi-factor authentication process, the  uarizona catcard office serve serves as the 2 factor authentication.

What is meant by 2 factor authentication?

With two-factor authentication (2FA), users must provide two different forms of identification in order to access resources and data. Businesses can monitor and help protect their most vulnerable data and networks with the help of 2FA.

Using two of the three factors—something you know (like a passcode), something you have (like a key), and something you are—two-factor authentication verifies your identity (like a fingerprint). Now, recall your house key and garage door code (knowledge factor) (possession factor)

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Compute the asset turnover ratio using the following information: net sales is $100,000 for the year, last year's assets in place were $900,000 and this year's assets in place are $1,100,000. Receivables for both years are $50,000. Multiple choice question.a. 20%b. 9%c. 10%d. 11%

Answers

The company assets turnover ratio  is c. 10%.

How to find the assets turnover ratio ?

Using this formula to find the assets turnover ratio

Assets turnover ratio = Net sales /Total average asset

Let plug in the formula

Assets turnover ratio =  $100,000 / ($900,000 +$1,100,000)/1

Assets turnover ratio = $100,000 / $2,000,000/12

Assets turnover ratio = $100,000/$1,000,000

Assets turnover ratio = 0.10× 100

Assets turnover ratio = 10%

Therefore the correct option is C.

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(Figure: Output Gap) Look at the figure Output Gap. If the economy is at Y1 as a result of expansionary monetary policy and no further policy is implemented, in the long run nominal wages will _____ and shift the short-run aggregate supply curve to the _____, which will _____ real output.
increase; left; decrease

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If the economy is at Y1 as a result of expansionary monetary policy and no further policy is implemented, in the long run nominal wages will increase and shift the short-run aggregate supply curve to the left, which will decrease real output.

Expansionary monetary policy involves rapidly increasing the money supply or decreasing short-term interest rates. Central banks implement it through open market operations, reserve requirements, and interest rate setting. Central banks use expansionary monetary policy to supply curve stimulate a declining economy and GDP. The Federal Reserve employs three methods of expansionary monetary policy: lowering interest rates, lowering bank reserve requirements, and purchasing government securities.

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what is the amount of the operating cash flow for a firm with $388,973 profit before tax, $100,000 depreciation expense, and a 35% marginal tax rate?

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$352832.45 is the amount of the operating cash flow for a firm with $388,973 profit before tax, $100,000 depreciation expense, and a 35% marginal tax rate.

What is a part of OCF?

The charge you'll incur over the course of a year for as long as you hold your investment is known as the ongoing charges figure (OCF). The OCF for a fund, which refers to operating expenses, is stated in the "Key Investor Information" document. The OCF is subtracted from the fund, and this subtraction is reflected in the daily fund price.

How do we calculate this?

OCF = net income + depreciation - change in working capital.Net income = $388,973depreciation=$100,000 marginal tax rate=35% OCF= 388973*(1-.35)+100000OCF=252832.45+100000OCF=$352832.45

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the calculation of the budget variance uses blank . multiple select question. actual fixed overhead budgeted fixed overhead budgeted variable overhead actual variable overhead\

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The following calculations used in the budget variance is: Actual fixed overhead, and budgeted fixed overhead.

A variance is a difference between actual revenue and expense and what was planned. The difference between the planned amount of an expense or income and the actual cost is known as the budget variance. When actual revenue exceeds projected revenue, there is a favorable or positive budget variance.

The actual costs are less than the planned costs. When real income exceeds or actual expenses fall short of the budget, the budget variance is in the company's favor. Simply deduct the actual amount spent from the projected amount for each line item to compute budget variances.

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carlen invests in vacant land for the purpose of realizing a profit on its appreciation. carlen leases the land during the period it is held. the unadjusted basis of the property is $20,000, and its fair market value is $30,000. the lease payments are $350 per year. which of the following statements is true? a.the leasing activity will be treated as a rental activity and will not be treated as a passive activity if carlen devotes more than 500 hours to the activity. b.the leasing activity will be treated as a rental activity because it generated more than $100 per year. c.the leasing activity will be treated as a rental activity and as a passive activity, regardless of how many hours carlen participates. d.the leasing activity will be treated as a rental activity and will not be treated as a passive activity if carlen qualifies as a real estate professional. e.the leasing activity will not be treated as a rental activity.

Answers

Carlen inve-sts in vacant land for the pur-pose of realizing a profit on its appre-ciation. Car-len leases the land dur-ing the period it is held. The following statement is true. - e. The leasing activity will not be treated as a rental activity.

What Is a Lease?

A lease is a contract out-lining the terms under which one party ag-rees to rent an asset in this case, property own-ed by another party. It guaran-tees the lessee, also known as the tenant, use of the pro-perty and guarantees the les-sor (the property owner or landlord) regular pay-ments for a specified period in ex-change.

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as ceo, mariska has the power to make decisions and use resources to achieve organizational goals. in this role, mariska exhibits

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Efficiency refers to how effectively resources are used to accomplish a task.

What is organizational goals?

During the production process, organizational resources are gathered, put to use, and turned into completed goods. The resources a corporation has at its disposal are its employees. The managers rely on their abilities and expertise a great deal.

The chain of command within an organization refers to the relative power that each management has over their subordinates, starting with the CEO.

Such a structure serves the primary function of assisting the organization in achieving its objectives. It unites organization members and establishes boundaries between their various roles. Second, the structure contributes to a seamless and effective operation. It saves time, money, and effort, in other words.

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Nina oversees the buying of goods and services for her company. Which business department does she likely work in?.

Answers

Nina most likely works in Purchasing department of the business.

The heart of effective supply chain management is the purchasing department. They typically function as controllers to ensure budget adherence, handle the requisition process and seek competitive rates, and assist other departments in identifying their needs.

Typically, purchasing is kept distinct from receiving and accounts payable in order to verify quality and stop unethical practices. A company's purchasing department is in charge of acquiring the products, raw materials, and services needed to run the business efficiently.

Every organization has different requirements for the sourcing and acquisition of tools, supplies, and services. These requirements specify the purchase procedure and the duties of the purchasing department.

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regarding accommodations, research reveal that... the majority of accommodations cost nothing employers have to pay considerably more to accommodate a disabled worker at least 50% of employers experience a one-time cost the majority of accommodations require an ongoing annual cost

Answers

Most employers report no cost or low cost for accommodating employees with disabilities. Of the 1,029 employers who were able to provide cost information related to accommodations they had provided, 571 (56%) said the accommodations needed by their employee cost absolutely nothing.

What is accommodation cost?The term "accommodation costs" refers to the actual expenses incurred by the designated staff members delivering the Products and/or providing Services under the Contract, which will be charged to the Client if the work is done outside of Belp, Switzerland, Vienna, or Prague for the convenience of QCM. All lodging expenses will be charged in accordance with the relevant receipts or invoices.The majority of accommodations are free. The majority of employers report no or low cost for accommodating employees with disabilities. Of the 1,029 employers who were able to provide cost information for accommodations they had provided, 571 (56%) said the accommodations required by their employee cost nothing.

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Most employers report no cost or low cost for accommodating employees with disabilities. Of the 1,029 employers who were able to provide cost information related to accommodations they had provided, 571 (56%) said the accommodations cost needed by the employee.

What is accommodation cost?

The term "accommodation costs" refers to the actual expenses incurred by the designated staff members delivering the Products and/or providing Services under the Contract, which will be charged to the Client if the work is done outside of Belp, Switzerland, Vienna, or Prague for the convenience of QCM. All lodging expenses will be charged in accordance with the relevant receipts or invoices. The majority of accommodations are free. The majority of employers report no or low cost for accommodating employees with disabilities. Of the 1,029 employers who were able to provide cost information for accommodations they had provided, 571 (56%) said the accommodations required by their employee cost nothing.

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fourteen hundred school year books can be sold at a price of $12 each. for each $2 increase in the price, 100 fewer year books can be sold. what price for year books will provide the maximum revenue for the school? responses

Answers

price for year books will provide the maximum revenue for the school-

The cost egh becomes fly= (1 four hundred - 100x) (12+ 2x) This eyn is to be maximised. 7 + ( x ) = 0 7 ( 12 + 2) ( - one hundred ) + two ( 1400 - 100 * ) =0 7 - 1900 - 200 x + 9800 - 900 M = 0 7 x = 4 . Each book will value ( 12 + two X x ) = 12 + two X four = 12+8 = $20 [c ].

At what fee will income be a maximum?

The income will be at its maximum when the slope of the revenue curve is equal to zero. To determine the output that maximizes revenue, we take the first partial spinoff of the revenue function with respect to output.

How do you discover the revenue function from a price function?

1) Revenue is equal to the variety of devices bought instances the price per unit. To achieve the income function, multiply the output stage with the aid of the rate function.

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in a(n) approach, the systems analyst defines the overall objectives of a system and then breaks them down into subsystems and modules.

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The overall objectives of a system and then breaks them down into subsystems and modules.A systems approach does not focus on efficiency within subsystems, contrary to what is commonly believed.

The systems approach is predicated on the idea that everything is interconnected and dependent upon itself. It is the combining of pieces to create a cohesive whole.Here, organisations are seen as systems that must attempt to interact with the environment in which they were formed in order to avoid extinction.Students should describe a situation in which the system to be designed must change quickly in response to dynamic business environments or is undergoing continuous maintenance, adaptation, and redesign. Instead of using the SDLC in this scenario, the systems analyst would choose an object-oriented systems analysis approach.The policies and procedures of a democratic government are an example of a system. A closet organisation system is a good illustration of a system. The digestive system, which consists of all the organs, is an illustration of a system.

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company accelerates its taxable income so that the income reported for tax purposes is $10 million greater than the income reported on its 10-k. if the company has a 40% marginal tax rate and a 36% effective tax rate, which of the following is created by this bookkeeping difference?

Answers

$4.0 million deferred tax asset of the following is created by this bookkeeping difference.

What is tax?A tax is a compulsory financial burden or  other obligation imposed on a taxpayer (individual or corporate) by a governmental organization  to fund government  and various public expenditures (local, local, or national). A levy of sorts, tax compliance is related to policy  and individual behavior.A tax is a mandatory fee or financial burden that a government imposes on an individual or  organization to collect revenues for public works that provide the best facilities and infrastructure.Examples include general and selective excise taxes, value added taxes (VAT), taxes on any aspect of manufacturing or production, taxes on legal transactions, and customs or import taxes. General sales tax is a charge levied on most consumer spending.

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What are the 3 revenge plots in Hamlet?.

Answers

Three main characters in Hamlet are out for vengeance are, Hamlet, Fortinbras, and Laertes all seek vengeance for their fathers' deaths.

What is Hamlet about?Written around 1600, William Shakespeare's Hamlet is a tragedy that explores themes of friendship, madness, and vengeance.The ghost of Denmark's King tells Hamlet to assassinate the new king, Hamlet's uncle, in order to avenge his death. Hamlet acts insane, contemplates life and death, and seeks vengeance. Fearing for his life, Hamlet's uncle concocts assassination plots.By removing the usual impediments to the hero's vengeance, Hamlet turns revenge tragedy on its head. In a typical revenge tragedy, such as The Spanish Tragedy, the hero faces two challenges: determining who the murderers are and then putting himself in a position to kill them.

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Macy offers to sell his fitness watch for $50 to Nona. Nona promises to pay Macy the price. Later, they exchange the watch for the funds. A contract was created when a. Macy delivered the watch. b. Nona paid for the watch. C. Macy offered to sell the watch. d. Nona promised to pay for the watch.

Answers

A contract was created when a Nona promised to pay for the watch. Thus, option D is correct.

What is contract?

A contract is a legally binding commitment between two or more parties that establishes, defines, and controls their mutual rights and duties. A contract usually involves the exchange of products, services, or money, or the promise to exchange any of these at a later period.

Contract is basically the agreement which took place between Macy and Nona. Agreement is implied as a promise that Nona gives to Macy in order to pay the money for receiving the watch.

Therefore, it can be concluded that When a Nona committed to pay for the watch, a contract was formed. As a result, option D is correct.

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on january 1, year 1, a company purchases a machine for $18,000. the estimated residual value is $6,000, and the estimated service life is 8 years or 30,000 units. after three years of use, the company estimates the remaining service life of the machine to be nine years rather than the original eight. using the straight-line method, calculate the amount of depreciation for year 4.

Answers

The amount of depreciation for year 4 using the straight-line method will be $1,250 / year.


What is depreciation?

it is a reduction in the value of an asset in a certain period of time, due to particularly wear and tear.

How to calculate the amount of depreciation for year 4 using straight-line method?

Depreciation (straight-line method)

= (cost - salvage value) / useful life

= ($18,000 - $6,000) / 8 years

= $1,500 / year

Accumulated depreciation up to year 3

= $1,500 * 3 years

= $4,500

Book value at the beginning of year 4

= $18,000 - $4,500

= $13,500

New remaining life

= 9 years - 3 years

= 6 years

Compute year 4 depreciation

= ($13,500 - $6,000) / 6 years

= $1,250 / year



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reflect on how policy decisions made in china affect the strategies of u.s. companies. what does this imply about the interdependence of the global monetary systems and the economy in general?

Answers

China's policy decisions have an impact on U.S. strategy since the US-China trade relationship currently provides employment for around 2.6 million Americans.

What is employment?

An employment is a contractual arrangement between two people that controls how paid labor services are provided. Wages are paid to employees in exchange for their labor, and the amount paid depends on the type of job performed, the industry conditions in force, and the parties' ability to negotiate. Wages may be paid hourly, piecemeal, or annually. Stock options, bonuses, and gratuities may be given to employees in certain professions. In many professions, benefits in addition to pay are available to employees. Housing, health insurance, and disability insurance are just a few examples of benefits. Employment is typically governed by organizations, legal agreements, and employment regulations.

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What should you monitor when you have a bank account?.

Answers

When you have a bank account you should monitor the following:-

ATM fees (including surcharges from banks other than your own), monthly maintenance fees, minimum balance fees, paper statement fees, and balance inquiry fees.

You should monitor your checking account at least once or twice a week. The more activity and transactions you make, the more often you should check your account. You should check your balance and transactions for accuracy. Checking your account regularly can be a helpful way to spot potentially fraudulent activity. Keeping an eye on your checking account can also help you avoid costly banking fees.

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If he sells each fish at a profit of $1. 25, how much money will he have after selling all 24 fish? show your calculation.

Answers

To make a $1.25 profit on each fish sold, Bob would have to keep the selling price for each fish at $3.39.

The amount of money he will have after selling all 24 fishes is $81.36

Define the terms:

Cost Price: The price at which an item must be produced or purchased is referred to as the item's cost price. C.P., or cost price, stands for it.

Selling Price: The cost at which an item is offered for sale is referred to as the selling price. S.P., short for selling price, is used.

Profit: The amount between the selling price and cost price of an item when the selling price (S.P.) is higher than the cost price (C.P.).

Profit is defined as S.P. minus C.P. if S.P. > C.P.

Profit = S.P.–C.P

In essence, the selling price in this case is the sum of the cost of $2.14 and the profit of $1.25 per fish. Alternatively, we can model the profit as the selling price less the cost price, as shown below:

The formula,

Profit on each fish = selling price (SP) - cost price (CP)

Profit per fish = $1.25

Selling price (SP) = unknown

Cost Price = $2.14

Using the formula above, we can determine find the selling price

$1.25 = selling price - $2.14

SP = $2.14 + $1.25

SP = $3.39

Hence, the total money after selling 24 fishes is = $3.39 x 24

                                                                                = $81.36

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the market for goods and services domestically produced is in equilibrium if the real supply yof them equals the real aggregate demand d1 for them:

Answers

The real supply y of them equals real aggregate demand d1 for them is aggregate supply.

What is aggregate supply?

The total supply of goods and services that businesses in a country's economy intend to sell during a given time period is known in economics as aggregate supply (AS) or domestic final supply (DFS). It refers to the total volume of goods and services that businesses in an economy are prepared and able to offer for sale at a particular price level. A few nominal variables, such as the nominal wage rate, which is presumed to be fixed in the short run, are used to draw the short-run AS curve. A lower real wage rate and, thus, an incentive to generate more output are implied by a higher price level P. However, in the long run, according to neoclassical theory, nominal wage rates fluctuate according to the state of the economy. The aggregate supply curve is therefore vertical over the long term.

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with the rate of employment for mothers on the rise in the united states, statistics show that one of every (fill in the blank) mothers with children under the age of 5 are in the labor force.

Answers

With the rate of employment for mothers on the rise in the United States, statistics show that one in every two mothers with children under the age of 5 is in the labor force.

The labor force is the sum of the people in a population that is able to work, both the employed and the unemployed. The people that are not considered in the labor force are the people that are not working and not actively seeking work.

Currently, in the U.S., the rate of employment for mothers is on the rise. Statistics based on the Current Population Survey show that in 2021, around 71.2% of mothers are in the labor force. 65.5%  are mothers with children under age 6.

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Kathryn’s kites is a profit-maximizing firm in a competitive market. Assume the market begins in long-run equilibrium and then the demand for kites increases. What do you expect to happen in the short run?.

Answers

Since Kathryn's kites is a profit-maximizing form then in the short run, the market supply and price increases.

A product's market price and availability both increase as consumer demand for it grows. The market price will rise from P1 to P2 if kite demand rises from D1 to D2, and as a result, the firm's output will rise from Q1 to Q2. The firms are profiting from it because the new price is higher than the average total cost. Companies will take part in the market in the near future since they stand to gain from it. As a result, the price will increase from P1 and the supply on the market will increase from S1 to S2. The long-term equilibrium would not change even though there would be more businesses operating in the market.

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the u.s. government regularly encourages the public to join the u.s. army through the messages it displays in commercials, magazines, and on billboards. this is an example of which promotional element?

Answers

Thus promotional element is an example of advertising.

What is advertising?

Advertising refers to the methods used to draw attention to a good or service. In order to attract consumers' attention, advertising seeks to highlight a good or service. It is often used to market a particular product or service, although there are many other applications as well, with commercial advertising being the most popular.

Through "branding," which links a product name or image with particular traits in customers' minds, commercial advertising frequently aims to boost consumption of their goods or services.

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