The __________ provides for a temporarily reduced initial rate in adjustable rate mortgages.

The answer is Externalities. When outcomes affect someone who had no part in the initial choice, it is called Externalities.

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TRUE, The internal environment influences how organizations establish strategies and objectives as well as identify, assess and respond to risk.

The environment can be defined as the totality of all biotic and abiotic factors and their influences that affect human life. All living or biotic elements are animals, plants, forests, fisheries and birds, while abiotic or abiotic elements include water, land, sunlight, rocks and air.

1: The environment, objects, or conditions in which a person is surrounded.

2a: A complex of physical, chemical and biological factors (climate, soil, organisms, etc.) that act on an organism or ecosystem group and ultimately determine its morphology and survival.

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Validated changes and validated deliverables are the outputs of the monitoring and controlling sub-process of project quality management.

Project quality management is the process in which the quality of all activities is measured continuously  and taking the  corrective action until the desired quality is achieved.

Quality management processes help  the organization to control the cost of a project, after controlling the cost of project standards are established  and  the steps in achieving and confirming those standards are determined.

Effective quality management of a project must lowers the risk of product failure or unsatisfied and unhappy clients.

Project quality management occurs with these three processes:

Quality planning

Quality assurance

Quality control

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Project constraints are specific factors that can limit options, including a budget, delivery dates, available skilled resources, and organizational policies.

What are Project constraints?

Your project may be limited by project constraints, which can have an impact on the project's overall performance, quality, and delivery. There may be up to 19 project restrictions to take into account, such as available resources, project approach, and client satisfaction.

What are common project assumptions?

All the material and human resources you require to finish the project will be available to you. Members of the project team will have access to the tools they require, such as specialized machinery and software as well as energy during business hours, to successfully execute their specific jobs.

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-0.5% (inelastic) is the price change that occurs if the quantity of bananas increases by 5% when the price decreases by 10%

The formula to calculate the change in price is,

Price elasticity = Sales increase/ Price decrease

So, if the quantity of bananas sold increases by 5% when the price decreases by 10% the change in price will be -0.5 (inelastic)

Price elasticity= 5%/ - 10% = - 0.5 (inelastic)

It is advisable to raise the price to generate more money when demand is inelastic. Lowering the price is good when demand is elastic.

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If customers can see data about themselves on the business' computer system, it will enable them to make better and more informed decisions.

Business Information System, eases the process of decision making and simplifies the process of delivering the required information and hence assists in taking better decisions instantly. Business Information System (BIS) can be effectively implemented to help communication better between the employers and the employees.

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There are many ways to encourage and thank your VIP clients, but the experience is what really counts. Offer it in a way that makes them feel like a true VIP, whatever it is you're providing.

Make sure they understand how unique and special what you're presenting is, as well as their inclusion in this exclusive and select club.

It should be the main goal of all communications with them to let them know how much you value and appreciate them.

This includes next-level personalisation so that they can understand that you are genuinely interested in them as individuals and are aware of their preferences and values. Create a personal connection with each consumer by personalizing your communication as much as you can.

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The mrp=mrc rule tells us that in pure competition a firm will hire workers up to the point where the marginal revenue product is equal to the wages of workers.

A pure competition is an industry that is characterized by many buyers and sellers of homogenous goods and services. Market prices are set by the forces of demand and supply. There are no barriers to entry or exit of firms into a pure competitive industry.

In the long run, firms in a pure competition earn zero economic profit.  If in the short run firms are earning economic profit, in the long run firms would enter into the industry. This would drive economic profit to zero.

In a pure competition, profit is maximised where marginal revenue product equal to the wages of labor. Thus, a rational producer will produce up to the point where mrp = mrc

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Consider the opportunity cost of lost sales in the incremental analysis.

The opportunity cost of a specific activity option in microeconomic theory is the loss of value or benefit that would be experienced by engaging in that activity, as opposed to engaging in an alternative activity that offers a higher return in value or benefit.

The value of the next best alternative or option is referred to as the opportunity cost. This value may or may not be monetary. Value can also be measured using other criteria such as time or satisfaction. One formula for calculating opportunity costs may be the ratio of what you give up to what you receive.

The growing opportunity cost law: As the production of one good increases, so does the opportunity cost of producing the extra good.

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The value of shareholders' equity is $5,690.

Total assets = Current assets + Net fixed assets

Total assets = $2,090 + $9,830

Total assets = $11,920

The value of shareholders' equity is $5,690.

Total liabilities = Current liabilities + Long-term debt

Total liabilities = $1,710 + $4,520

Total liabilities = $6,230

Value of shareholders' equity = Total assets - Total liabilities

Value of shareholders' equity = $11,920 - $6,230

Value of shareholders' equity = $5,690.

Equity held by shareholders refers to the sum that a company's founders have contributed to the enterprise. This covers the funds they have directly invested as well as the total amount of profits the business has generated and reinvested since its establishment. The equity of the shareholders is calculated using this formula as the difference between total assets and total liabilities.

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The two major forms of debt financing

Debt financing comes from two sources: selling bonds and borrowing from individuals, banks, and other financial institutions.

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Answer:

management

Explanation:

management is often defined as the process of planning, organizing, directing, and controlling

Ther amout at which the home sell for in order to meet his objective is  abter loan balance is $274,541.67

After the seller receives paid and makes all their bills, the quantity left is referred to as the internet to supplier. Calculating the internet to seller is quite simple, all that you want to do is to subtract the seller's charges and money owed from the sales price.

calculation:-

The selling price which the seller wants = $275,000

Loan balance = $ 78,500

Closing cost = $6,500

Broker commision = 6%

    amount ($275000*6)/100 = $458.33

Hence, Ther amout at which the home sell for in order to meet his objective is = $275,000 - 458.33

     + $274,541.67

Divide the fee by means of the variety of days inside the value period to find the fee consistent with day.be counted the variety of days that the price applies to every birthday party.Multiply the quantity of days that every birthday party is responsible for by means of the value in keeping with day to calculate the loan balance interest proration.

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the credit to cash each interest payment equals net multiplied market interest rate  multiplied time

In finance and economics, interest is the payment of an amount over repayment of the original sum by a borrower or deposit-taking financial institution to a lender or depositor at a specific rate by a borrower or depositor. It differs from a fee that the borrower may pay to the lender or a third party.

When the effects of compounding over time are considered, an effective annual interest rate is the true return on a savings account or any interest-paying investment. It also indicates the actual percentage rate of interest owed on a loan, credit card, or other debt.

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Jimmy always uses a face-to-face meeting before he works with any buyer. The main reason for this is "to build trust and rapport".

A meeting is defined as the transmission between more than two individuals who talk over one or more topics with each other.

The meeting can be face to face, verbal, non-verbal or through the social media like cell-phones or video call. This is helpful for making best decisions.

Nowadays, when the chances of coronavirus increase day by day, most of the companies use face-to face interactions in order to reduce chances of this disease and doing promotions activities along with candidate's interviews.

Face-to-face communication is better than the written or audio communication because it is helpful to create a stronger trust between the parties. This provide the information about candidate or a consumer effectively.

Moreover, jimmy uses this type of meeting in order to interact more buyers as well as create a strong bond between them . This leads to increase in productivity.

Through this Jimmy can effectively read their buyer's body languages and get the information regarding any changes or improvement in his product.

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An investment will pay you $16,000 in 6 years. the appropriate discount rate is 10 percent compounded daily. The Present Value is $8,781.71.

Investment definition is an asset received or invested in to build wealth and store cash from the difficult earned profits or appreciation. investment which means is typically to obtain an additional source of earnings or benefit and take advantage of the investment over a particular time period.

In the most sincere sense, making an investment works while you purchase an asset at a low charge and sell it at a higher price. This kind of return for your investment is referred to as a capital advantage. earning returns through promoting a property for an income—or figuring out your capital gains—is one manner to make cash investing.

Investing is an effective manner to position your cash to work and probably construct wealth. smart making an investment may allow your money to outpace inflation and increase in price. The extra boom capability of investing is generally because of the strength of compounding and the danger-go-back tradeoff.

Present Value

Future Value = $16,000

Number of compounding periods (n) = 2,190 days [6 Years x 365 Days]

Interest rate (r) = 0.10/365 = 0.000273972602739726

Present Value = Future Value / (1 + r)^n

Present Value = $16,000 / (1 + 0.000273972602739726)^2190

Present Value = $16,000 / 1.82196907070351

Present Value = $8,781.71

Therefore, the Present Value is $8,781.71

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The cheapest labor and resource prices are the main driving force that determines whether a company will outsource work.

Why company outsource their work?

In addition to giving clients the high-quality service they expect from their favorite brands, outsourcing gives you the time and resources you need to concentrate on other elements of your business. Despite all the benefits, outsourcing is commonly done to run a profitable business model.

What are the risks of outsourcing?

Formally speaking, there are four broad categories in which risks related to outsourcing often fall: loss of control, loss of innovation, loss of organizational trust, and higher-than-expected transaction costs.

Why is outsourcing difficult?

Intellectual properties, including corporate ideas and trade secrets, are subject to lose while outsourcing. The potential of a customer's data being compromised is another concern. A produced program or its rights could be lost if not handled properly.

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A mortgage is an example of voluntary debt - that is, debt a person or business creates in good faith and not under duress.

Mortgages are a sort of loan that can be used to buy or keep up a house, land, or another piece of real estate. The borrower agrees to make periodic payments to the lender, usually in the form of a series of regular instalments that are split into principal and interest. The property then acts as security for the loan.

Applying for a mortgage requires a borrower to make sure they meet a number of standards, including minimum credit ratings and down payments. Prior to closing, mortgage applications go through a thorough underwriting procedure. The borrower's needs will determine the different mortgage options, such as fixed-rate and conventional loans.

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Compatibility is an effective accounting information system refers to a system which works smoothly with the business’s employees and organizational structure.

Compatibility refers to a steady working system, which is aligned with the business employees, operations, and organizational structure. It is also the salability of any information and technology across the organizations.

Comparability is the level of standardization and effective accounting information which allows the financial statements of multiple organizations to be compared to each other. Thus, it uses hardware and software to effectively store and retrieve data.

Hence, a system not compatible with the organization is doomed to failure.

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The feature that need to be included in functional strategies to improve differentiation is option c:

The term Functional Strategy is known to be a kind of a strategic plan that is known to be taken in by each functional aspect in the value chain of the firm such as marketing, production, finance and others.

This is often down so as to implement and to bring together in one spot with the total business or corporate strategy or vision for getting organizational level aims.

Hence, The feature that need to be included in functional strategies to improve differentiation is option c:

See full question below

Functional strategies to improve differentiation should include:

a. product offerings designed to be can be produced and delivered at as low a cost as possible

b. standardization of the product offering and marketing mix to different market segments.

c. hiring and employee development strategies designed to ensure that employees act in a manner that is consistent with the image that the company is trying to project to the world.

d. initiation of a price war in order to grow volume and drive its weaker rivals out of the industry.

e. products that have lower prices to allow a company to erect an economic moat around its business that keeps higher-cost rivals out.

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Fred pittman has invested $10,000 in his son’s motorcycle repair shop, but he takes no part in its management. pittman is a limited partner.

Similar to a general partnership, a limited partnership is a type of partnership but unlike a general partnership, a limited partnership needs at least one general partner (GP) and at least one limited partner.

A limited partner is a shareholder whose liability for the company's debts is limited to the amount they contributed to the business. Silent partners are another name for limited partners.

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Job code and pay grade are job description components noted in the identification section.

a piece of work, specifically a specific duty completed as part of one's job routine or for a fee:

A job is defined as the labor you do to make money. Working at a gas station is an example of a job. A job is described as a place where you go to earn money. Your office and the people you deal with every day are examples of your job.

Job kinds let you categorize your tasks and processes. Although all tasks differ in some respects, commonalities can typically be isolated and standardized. Job categories allow you to group together comparable types of tasks.

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The type of settlement option which pays throughout the lifetimes of two or more beneficiaries is called joint and survivor. An insurance plan called a joint and survivor annuity is generally made for retired couples who desire a guaranteed monthly income that will last as long as either partner does.

Potential investor must carefully consider associated fees and settlement. Annuity fees typically cost 2.3 percent of annuity's value, although they can be more expensive, especially in sophisticated plans. The benefit of joint and survivor annuity is that it will pay out if one or both beneficiaries live longer than anticipated.

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Lead firms sometimes create contradictory demands on suppliers, for example, by insisting on low costs as well as compliance with expensive environmental standards this statement is false.

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They have many potential Entry Modes at their disposal.

Foreign market entrance modes in international trade are the methods through which a corporation can expand its services into a non-domestic market.

Market entrance options are classified into two types: equity and non-equity. Export and commercial agreements are examples of non-equity mechanisms. Joint ventures and totally owned subsidiaries are examples of equity models. Different entrance mechanisms differ in three key ways:

Therefore, Companies like my​ gym, which seek to do business in new markets for manufacturing​ and/or marketing​ purposes, have many potential​ Entry Modes at their disposal.

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Fundraiser was initially intended to bring people together to raise funds for a cause.

A fundraiser is an event with a goal of raising funds for an organization. A fundraiser is an event in which an organization cultivates donors as the main members who provide funding's to the particular organization. Thus, a person who raises the money from such donors is known as a fundraiser.

Fundraising provides with supplemental funds which enhances what the group does and provide new opportunities for the members. It can also benefit the community or an individual in the community that needs financial assistance.

Hence, fundraiser was initially intended to bring people together to raise funds for a cause.

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A firm expects to sell 25,500 units of its product at $11. 50 per unit and to incur variable costs per unit of $6. 50. total fixed costs are $75,000. the total contribution margin is $127500.

The contribution margin is computed as the promoting rate per unit, minus the variable fee in keeping with the unit. additionally referred to as greenback contribution in keeping with the unit, the measure shows how a specific product contributes to the general profit of the organization.

The closer a contribution margin percentage, or ratio, is to 100%, the better. The better the ratio, the more money is available to cowl the commercial enterprise's overhead expenses or fixed prices. However, it is more likely that the contribution margin ratio is well below one hundred%, and possibly beneath 50%.

Contribution margin, or greenback contribution per unit, is the selling rate per unit minus the variable price in step with the unit. "Contribution" represents the part of sales revenue that is not consumed through variable expenses and so contributes to the coverage of constant fees.

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The item which is an example of data collected from market research is insights into potential customers.

Market research is the process of gathering information about your target market and the knowing current state of your industry. Thus, it is the research conducted directly with potential customers.

Interviews are considered to be a common type of primary market research that can be either in-depth or as simple as asking a question. For instance, in an interview in market research is conducted when a business calls a current customer to ask how they are enjoying a product they recently purchased.

Hence, the data collected from market research is insights into potential customers.

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$30 per unit is the company's expected unit contribution margin.

Because the value of the contribution margin is used in the calculation of the break-even point. The contribution margin for the unit can be     calculated by deducting the variable cost per unit from the sales value per unit. The contribution margin for the entire company will be calculated only for total contribution margin dollars as a percent of total sales dollars.

Margin is the part of a page or sheet outside the main body of printed or written matter.

Variable costs are expenses that vary in proportion to the volume of goods or services that a business produces

Sales refers to the exchange of a product, commodity, service or delivery for money.

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The correct answer is Sales of [tex]$40,000[/tex] for A, [tex]$20,000[/tex] for B.

Sales:

Lets consider 1 batch of production to contain [tex]4[/tex] units of A and [tex]1[/tex] unit B so as to maintain the product mix.

We will now first calculate the contribution from [tex]1[/tex] batch of production.

Contribution = Selling Price - Variable Cost

                      A  and   B

Selling Price  [tex]50[/tex] and [tex]100[/tex]

Variable Cost [tex]20[/tex] and [tex]40[/tex]

Contribution [tex]30[/tex] and [tex]60[/tex]

Contribution per batch = Contribution of A * 4 + Contribution of B * 1 = [tex]30*4 + 60*1 = 180[/tex]

Total Fixed Cost = [tex]36000[/tex]

We know that Breakeven units = Total fixed cost / contribution per unit

So, Breakeven no. of batches [tex]= 36000 / 180 = 200[/tex] batches

Breakeven Sales of A = Breakeven no. of batches * units per batch * selling price per unit

[tex]= 200 * 4 * 50 = 40000[/tex]

Breakeven Sales of B = Breakeven no. of batches * units per batch * selling price per unit

[tex]= 200 * 1 * 100 = 20000[/tex]

Therefore, the correct answer is Option B - Sales of [tex]$40,000[/tex] for A, [tex]$20,000[/tex] for B.

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