If people refused to use banks to create checkable deposits, the banking system would not be able to create new money.
Checkable deposits include all accounts on which checks can be drawn. These deposits allow the owner of bank account to write checks to third parties. Also, they are very liquid assets that allow depositors to have an easy access to their funds.
For these reason, checkable deposits generally are important but also one of the lowest-cost source of bank funds, covering a large share of bank liabilities. Thus, banks create money by lending excess reserves to consumers and businesses.
Hence, if people refused to use banks to create checkable deposits, the money multiplier decreases.
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For economic purposes in the united states, the working-age population does not include:_______
For monetary purposes inside the USA, the running-age population does no longer include the civilian, noninstitutional population aged sixteen and over.
Working age' is normally described as 15 to 64 years. This definition is for example used for the 'vintage-age dependency ratio', with people aged 65 and over being labelled 'established'.
The labour pressure participation fees are calculated because the labour force is divided by the full working-age populace. The working age populace refers to people aged 15 to sixty-four. This indicator is damaged down by using age organization and its miles measured as a per cent of every age institution.
A number of the opposite discounts are in all likelihood because of out-migration during the pandemic. however, in regards to the shrinkage within the pool from which we could pull a staff, the primary purpose is demographics. greater human beings are passing into retirement age than are getting into running age.
The working-age populace is the entire populace in an area this is considered capable and possibly to paintings based on the number of people in a predetermined age variety. The working-age population degree is used to provide an estimate of the overall number of capable employees within an economic system.
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Potential advantages of dropping a product line or other segment include Blank______. Multiple select question. increasing relevant costs that the company incurs avoiding more fixed costs than the company loses in contribution margin an overall increase in net operating income an overall decrease in other product line sales
Potential advantages of dropping a product line or other segment include avoiding more fixed costs than the company loses in contribution margin.
A section should best be introduced if the increase in total contribution margin is extra than the increase in fixed value, a segment needs to be dropped only if the decrease in general contribution margin is less than the lower in fixed cost.
While finding out if a business enterprise has to drop an unprofitable section, the corporation must create a section contribution margin profits statement. If the contribution margin is advantageous, the enterprise has to recollect direct and commonplace constant charges, what to do with freed capability and the impact on sales of different products.
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Write a program named find_stats. py. accept ints from user until the user enters a 0. then calculate mean, median and standard deviations of all entered values. display stats
The program described above which calculates mean, median and standard deviations of all entered values is given below.
What is a program?A program is a set of instructions that ensure that a predetermined or specific output is given by a computer.
The program labelled find_stas.py is given as follows:
# importing required libraries
import math
# creating a empty list named li
li = []
# iterate till while is true
while True:
# getting user input making it int and store it in inp
inp = int(input("Enter integer (0 to stop): "))
# checks if inp is equals to 0
if inp == 0:
# stop the loop
break
# append inp in li
li.append(inp)
n = len(li)
# calculating sum li using sum function then dividing by n and store it in mean
mean = sum(li) / n
# dividing n by 2 and store it in indexes
index = n // 2
# if n modulus n equals 2
if n % 2:
# sort the li and store the index position in median
median = sorted(li)[index]
# otherwise
else:
# store the result in media
median = sum(sorted(li)[index - 1:index + 1]) / 2
# declaring d variable with value 0
d = 0
# calculating variance and store it in variance
variance = sum((x - mean) ** 2 for x in li) / (n - d)
# standard deviation
sd = math.sqrt(variance)
# display the output with the value of mean, median and sd
print("Mean : {}\nStandard Deviation : {}\nMedian : {}".format(mean, median, sd))
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Discuss which financial management practices are least effective in creating and monitoring an operating budget?
The financial management practices which are least effective in creating and monitoring an operating budget include top down/bottom up budgets, poor inventorying, lack of control, over control, and lack of staff investment.
In business, financial management includes the practice of making a business plan and then ensuring that all departments which falls under it stay on track and work properly.
Creating and monitoring an operating budget for the national government involves four distinct processes which are, budget preparation, budget authorization, budget execution and accountability.
Hence, the operating budget helps in keeping track of the income and expenses in an organization.
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When a small business forges an agreement with a bank that consents to honor a draft or other demand for payment after goods are delivered internationally, the firm receives a:__________
An agreement between a small business and a bank which leads to the bank consenting to honor a draft or demand for payment leads to the firm getting a letter of credit.
What is a letter of credit?This is an agreement that bank makes with a small business in order to increase the credibility of the small business when buying a good or service internationally.
The agreement makes it clear that the small business will pay the money that it owes for the goods delivered and that the bank guarantees it.
The reason for this is that the small business might not be trusted or popular enough so the seller might not trust them. Banks are more trusted however so the sale will go through.
In conclusion, an agreement between a bank and small business to guarantee payment is a letter of credit.
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If a beneficiary is enrolled in a ma-only hmo and they also sign up for a pdp plan, they will be automatically dropped from their ma plan. True or false?.
It is True that if a beneficiary is enrolled in a Medicare Advantage plan and they also sign up for a pdp plan, they will be automatically dropped from their Medicare Advantage (ma) plan.
Medicare Advantage (MA)
A Medicare Advantage plan is a type of health plan proposed by a private company that leases with Medicare to provide you with all your Medicare Parts A and B benefits. MA plans contain health maintenance organizations, selected provider organizations, personal fee-for-service plans, and Special Needs Plans.
Medicare Advantage PlansHealth Maintenance Organization (HMO) Plans.Preferred Provider Organization (PPO) Plans.Private Fee-for-Service (PFFS) Plans.Special Needs Plans (SNPs)Original Medicare contains Medicare Part A (Hospital Insurance) and Part B (Medical Insurance). You can bind a separate Medicare medicine plan to get Medicare medication coverage (Part D).
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A company prepares a five-year budget. this budget would be considered a(n):_____.
a. flexible budget.
b. operational budget.
c. strategic budget.
d. master budget.
A company prepares various types of budgets to regulate its expenditures.
The correct answer is c. Strategic Budget.
What is a budget?A Budget is a regulation of revenue and expenditures of a company. It is presented in tabular form which makes it easy to understand.
The budget is often prepared monthly in a corporation but sometimes there are special budgets prepared for one off projects.
These budgets are prepared by managerial staff of various departments which are summarized into master budget and then they are presented to the board of directors for review purposes.
A strategic budget is prepared with a long term view. The budget includes projections of revenue and expenditures of more than one year period.
The companies management prepares these types of budgets to have a long term view of company's position.
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Brenda wants to reduce mass media imc and to increase the use of personalized marketing communication messages. To achieve this goal, brenda will likely increase her use of.
The correct answer is Direct Marketing.
Brenda wants to reduce her mass media imc and to increase the use of personalized marketing communication messages. To achieve this goal, Brenda will likely increase her use of Direct Marketing.
What do you know about Direct Marketing? It is a form of direct communication with the selected customer, organization, or other firms. This form of marketing may be intrusive and annoying for a lot of people. The response rate is also quite low for direct marketing. We usually need to promote our products or services with this kind of marketing. It helps you in building a direct bond or direct relationship with new customers. It can also help in understanding the appeal of the product.To learn more about marketing visit: https://brainly.com/question/14201420?
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Which of the ten principles of economics do governments run into when they redistribute?
When the government do redistribution they use Prof. Mankiw's 10 Principles of economy, which explained how an economy work in a manner that help to optimize goals with the help of 10 Principles of economy.
The following are the 10 Principles of economy that government uses while redistribution:
1. People face trade-offs
2. The cost of something is what you give up to get it
3. Rational people think at the margin
4. People respond to incentives
5. Trade can make everyone better off
6. Markets are usually a good way to organize economic activity
7. Governments can sometimes improve market outcomes
8. A country's standard of living depends on its ability to produce goods and services
9. Prices rise when the government prints too much money
10. Society faces a short-run tradeoff between Inflation and unemployment.
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A share of preferred stock pays a quarterly dividend of $2. 50. if the price of this preferred stock is currently $50, what is the nominal annual rate of return?
The nominal annual rate of return is 20%
Given,
Annual dividend = $2.50(4) = $10. rps
= Dps/Vps = $10/$50 = 0.20 = 20%
The nominal rate of go back is the quantity of cash generated by way of an investment before factoring in charges such as taxes, funding charges, and inflation. If an funding generated a ten% go back, the nominal rate would equal 10%.
Nominal interest price refers back to the hobby price earlier than taking inflation into consideration. Nominal also can seek advice from the advertised or said interest rate on a loan, without contemplating any fees or compounding of interest.
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Overnight trucking recently purchased a new truck costing $150,800. The firm financed this purchase at 8. 6 percent interest with monthly payments of $2,100. How many years will it take the firm to pay off this debt?.
8.44 years will take the firm to pay off this debt.
What is debt?Debt is an obligation that forces one party, the debtor, to pay another party, the creditor, money or other agreed-upon value. Debt is a delayed payment or series of payments that differs from an immediate purchase.
Student loans, mortgages, and company loans are examples of "good" debt, which is defined as money due for things that can help develop wealth or boost income over time. "Bad" debt is defined as credit card or other consumer debt that does little to help your financial situation. These are overstatements.
While both words refer to money owed, credit and debt are not synonymous. Debt is money owed, whereas credit is money borrowed.
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Small business owners often struggle in attracting qualified workers. what contributes to this problem?
Small business owners often struggle in attracting qualified workers because many jobs in small firms have low pay and few benefits.
Small businesses frequently find themselves in a less stable condition than larger organizations, which typically have the adequate cash flow to cover payroll and keep the lights on. Your small firm might not be able to pay its debts if one important client doesn't pay.
In addition, small businesses may require workers who can manage a variety of activities, whereas large organizations can recruit personnel for a single activity.
Furthermore, since change is common in small businesses, you'll probably need people with the right personalities to flourish there. Finding the ideal staff might be difficult because of all of these issues.
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Carsten and colleagues offer several practical perspectives on followership intended to?
Carsten and colleagues offer several practical perspectives on followership intended to help people in organizations understand the positive aspects of being a follower.
What is the principle of followership?Generally, the principle of followership is a straightforward concept that explains the ability to take direction well, to get in line behind a program, to be part of a team and to deliver on what is expected of you.
The role of Followership is important in the discussion of leadership for several reasons because without the followers, there can be no leaders in an organization, industry etc.
However, the duos offer several practical perspectives on followership intended to help people in organizations understand the positive aspects of being a follower.
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Managing a team's ______________ is not a normal task that a manager should involve him or herself.
Managing a team's cohesiveness is not a normal task that a manager should involve him or herself.
Cohesiveness develops over time out of interpersonal and institution-degree enchantment, via collaboration, and as a result of a feeling of belonging. Cohesive groups communicate greater effectively, result in better member pleasure, and can create efficiency in resource allocation.
Team cohesiveness refers to a group's capacity to effectively work as a whole closer to a commonplace goal. It is also a method that the group's individuals want to make contributions to the crew's capacity to work properly together.
Group brotherly love is the quantity to which organization individuals are attracted to the institution and its dreams. Brotherly love can encompass emotions of interpersonal liking, mission dedication, and group pride.
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What's the best strategy if you don't get into graduate school the first time you apply?
One might think about reapplying to graduate programs that have a better fit for their qualifications if they are not admitted the first time they apply. This demonstrates the value of having a plan B. Graduating from a graduate program is recommended because it will improve your work prospects.
Academic records, a personal statement, letters of recommendation, research experience, and fit with the program/advisor are the five key criteria that most institutions consider when choosing graduate students. As with undergrad, getting into graduate school is difficult, but the difficulty varies greatly based on the schools and program you're pursuing.
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The layer of internet architecture that ties the applications to the communications network and includes such services as security and authentication is called the?
The layer of internet architecture that ties the applications to the communications network and includes such services as security and authentication is called the Middle ware Services Layer.
An operating system and the programs it executes are separated by a piece of software known as middleware. For remote applications, middleware effectively acts as a covert translation layer that streamlines data management and communication.
Since it connects two programs to provide a "pipe" for data and databases, plumbing is another name for it. By using middleware, users can ask the web server to return dynamic web pages depending on a user's profile or submit forms via a web browser.
Transaction-processing monitors, message-oriented middleware, web middleware, database middleware, and application server middleware are a few examples of common middleware.
Common messaging frameworks include simple object access protocol (SOAP), web services, and representational state transfer. Each program typically provides messaging services to facilitate communication with other applications (REST).
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In the _____ sales channel, a customer uses only one channel of a given business to purchase an item, including in-store, on a cell phone, or on the company’s web site
In the mobile sales channel, a customer uses only one channel of a given business to purchase an item, including in-store, on a cell phone, or on the company’s web site.
Mobile channel are the sales channel or the the means by which consumers can access a retailer’s e-commerce offering from a mobile device in a very easy and cheaper way.
Mobile marketing has now become a powerful component of digital marketing and businesses of all sizes, across all industries, It can benefit from a great mobile marketing strategy.
Mobile marketing is a multi-channel marketing in which digital marketing strategy aimed at reaching a target audience through smartphones, tablets and other mobile devices, via websites, email, SMS and MMS, social media and apps.
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Compared to other industrialized nations, the united states has one of the ________ rates of childhood poverty.
Compared to other industrialized nations, the united states has one of the highest rates of childhood poverty.
Compared to other age groups, the poverty rate for people aged 65 and over is the highest. Older women are more likely to live in poverty than older men.
Positive effect on learning for children from 2 years old. The same positive effects as entertainment television for children over 4 years old.
The official poverty line income threshold is set by multiplying the 1963 inflation-adjusted minimum food cost by a factor of 3 and adjusting for family size, composition, and age of the head of household.
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A __________ is represented by a company that offers to collect its products from its customers for no charge when those customers want to dispose of them.
A take-back is represented by a company that offers to collect its products from its customers for no charge when those customers want to dispose of them.
A take-back system is one of the primary channels of waste series, in particular for e-waste, besides municipal sites. Take-returned is the concept that producers "take again" the goods which can be on the cease of their lives.
Take-back is aimed to reduce a business' environmental influences on this planet and additionally growth performance and decrease costs for their commercial enterprise models. Take-back regulations have centered a big selection of merchandise along with packaging, batteries, cars, and electronics" and economic costs may be discovered from recycling or re-manufacturing such products.
The packages gain municipalities by means of reducing their overall waste disposal fees and decreasing the weight on landfill sites. Although for sure agencies, the take-back system is obligatory below legislation, many do it voluntarily.
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The term __________ refers to the __________ that a bond is expected to pay at the time of purchase.
The term bond yield refers to the rate of return that a bond is expected to pay at the time of purchase. The yield on bond is the discount rate that can be applied to bring the bond's price and the present value of all of its cash flows into balance.
In other words, the present value of all the cash flows is added to determine the price of bond. The same discount rate is used to value each cash flow in the present. The yield is the discount factor. The term bond yield refers to the rate of return.
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Under the payment of claims provision, when are benefits typically payable after proof of loss is received?
All claims other than those for periodic installments should be paid immediately after the insurer has received proof of loss.
A time of payment of claims provision states the wide variety of days that the insurance company has to pay or deny a submitted declaration. This provision is included to minimize the amount of time that a policyholder has to anticipate his/her payment or for a selection approximately his/her declare.
Claim provision means an amount payable to you under the policy to compensate you for the credit losses you have sustained from unpaid insured receivables.
A claim provision is a clause in an insurance contract that sets forth the process to be followed within the submission and management of claims. In the case of a reinsurance agreement, it states the phrases and conditions under which the reinsurer's legal responsibility for claims will arise.
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The wood master industries (the manufacturer) has agreed to accept $23,500 at the end of each of the next 4 years. based on this deal, how much interest will grummet pay over the life of the loan?
Purchase price=$80,000
Total amount to be paid in the next 4 years(including principle and interest amount)=$23,500/year*4 years=$94,000
Total interest grummet will pay over 4 years would be the total amount to be paid in the next 4 years less purchase price(principle), ie.94000-80000=$14,000
In finance and economics, interest is the amount paid by a borrower or deposit-taking financial institution to a lender or depositor in excess of the repayment of the principal at a specified rate. It is different from a fee that a borrower can pay to a lender or a third party. Wikipedia
Interest is the price paid for borrowing money or the cost charged for lending money. Interest is usually given as an annual percentage of the loan amount. This percentage is called the interest rate on the loan. For example, if you deposit money in a savings account, the bank will pay you interest.
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Generally, a board member who is a source of information about a firm's day-to-day activities is classified as a(n) __________ director
Generally, a board member who is a source of information about a firm's day-to-day activities is classified as a(n) inside director.
A director is a person on the company's board of directors who acts as the governing body of the organization. The board of directors, often elected by the company's shareholders, creates policy for the company as a whole and oversees leadership positions in the organization. They guide, advise and run the organization.
Board members are part of the governing body of the organization. Committed to the long-term interests of the organization, they meet regularly to oversee and direct operations, set policy, approve business decisions, evaluate operating performance, and carry out fiduciary responsibilities.
The board membership application process includes several steps. In most corporate boards, a nominating committee interviews candidates and decides who should join the board. Board members then vote on whether to elect the candidate selected by the nominating committee.
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Nat gauged the level of exposure to his marketing campaign using the percentage of the target population exposed at least once to his advertisement, representing its.
Nat gauged the level of exposure to his marketing campaign using the percentage of the target population exposed at least once to his advertisement, representing its integrated market communication likewise a marketing strategy.
What Exactly Is a Marketing Plan?A company's overall plan for reaching out to potential customers and converting them into buyers of their goods or services is referred to as a marketing strategy. The value proposition of the business, critical brand messages, information on target customer demographics, and other important components are all included in a marketing plan.What is market communication?The messages and channels that marketers use to communicate with their target markets are referred to as marketing communications, or marcom. Traditional advertising, direct marketing, social marketing, presentations, and sponsorships are a few examples of marketing communications.Learn more about Marketing Plan here:
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The main tool of monetary policy is:___________.
a. the discount rate.
b. capital gains taxes.
c. open market operations.
d. the reserve requirements.
The main tool of monetary policy is open market operations.
What do you mean by open market operations?
The Federal Reserve uses open market operations (OMOs), which are central banks' purchases and sales of assets on the open market, as a key tool for carrying out monetary policy. The Federal Open Market Committee establishes the short-term goal for open market operations (FOMC).
A central bank will engage in an open market operation to provide a bank or group of banks with liquidity in its currency. In order to control the amount of money in the economy, central banks engage in open market activities. For instance, the Reserve Bank of India, or RBI, conducts open market operations in India.
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Suppose the real rate is 3. 75 percent and the inflation rate is 1. 5 percent. what rate would you expect to see on a treasury bill?
The rate you expect to see on a treasury bill is 5.31%.
Short-term government securities and Treasury Bills have maturities ranging from a few days to 52 weeks. The face value of bills is discounted when they are sold. Since the U.S. government backs Treasury Bills, they are regarded as a secure and conservative investment. T-Bills are typically kept until they reach maturity. However, some holders could prefer to cash out before maturity and take advantage of the benefits from the investment's short-term interest by reselling it on the secondary market.
The real rate is 3. 75%
= 3. 75/100
= 0.0375
The inflation rate is 1.5%
= 1. 5 /100
= 0.015
Therefore the rate on the treasury bill can be calculated as follows
= (1+0.015)(1+0.0375)-1
= (1.015×1.0375)-1
= 1.0531-1
= 0.0531×100
= 5.31%
Hence the rate that is expected to be seen on the treasury bill is 5.31%.
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Generally the contract owner may change the annuitant at any time provided the new annuitant was _______ at the time the contract was originally written.
Generally, the contract owner may change the annuitant at any time provided the new annuitant was alive at the time the contract was originally written.
An annuitant is a character who's entitled to accumulate the regular payments of a pension or an annuity investment. The annuitant can be the agreement holder or some other person, inclusive of a surviving partner.
Beneficiaries make up the 1/3 designation of an annuity contract. whereas the annuity proprietor and the annuitant can be equal men or women, a beneficiary is a separate character or entity.
An annuitant is someone who's entitled to get hold of blessings from an annuity. The payout blessings for an annuitant are based totally on the man or woman's existence expectancy.
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As lynn is working on writing the text that will be incorporated into a new magazine ad for her company’s line of handbags, she is engaging in the _______ stage of the communication process.
As Lynn is working on writing the text that will be incorporated into a new magazine ad for her company’s line of handbags, she is engaging in the encoding stage of the communication process.
What is encoding?Humans primarily communicate via encoding and decoding messages. The individual who completes and transmits the message is understood as the encoder.The encoder must establish how the audience will analyze the message and create required changes to assure that the audience decodes the message as intended.Encoding is the procedure of transforming ideas into language. The message exists transmitted by the encoder utilizing a "medium" such as a phone call, email, text message, in-person conference, or another communication method.Different signals need different groups of conscious thought when they are encoded. The encoder should also manage for any "noise"—such as other messages, distractions, or effects—that could obstruct their message.Hence, As Lynn is working on writing the text that will be incorporated into a new magazine ad for her company’s line of handbags, she is engaging in the encoding stage of the communication process.
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Demand is the __________ and __________ to buy a given good or service. a. passion . . . desire b. willingness . . . ability c. need . . . opportunity d. motivation . . . determination
Answer:
I think the answer is C need .... opportunity
Answer:
Need.........opportunity
Explanation:
The income approach is required by fannie mae for __________ properties, but not for ___________ properties
The income approach is required by Fannie Mae for 3 unit properties, but not for 1 unit properties.
Fannie Mae restricts the number of single family residences, that is 1 - 4 unit properties to a maximum of ten properties owned, when purchasing a second home or an investment property.
The number of allowed conventionally financed properties from 4 to 10 was increased by Fannie Mae. Thus, you may face some challenges that go along with the process of getting up to 10 conventional mortgages while you try qualifying for more.
Hence, by Fannie Mae, income approach is required for 3 unit properties, but not for 1 unit properties.
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