In an installment agreement, the real estate purchaser agrees to pay the seller the full purchase price over time in payments; they also agree that the purchaser will take immediate possession of the property.
What is purchase contract?A sort of contract known as a purchase agreement describes the terms and conditions around the selling of goods. The agreements are a legally binding contract between the buyer and seller and usually deal with the purchase and sale of items rather than services. They encompass almost all product-related transactions.Balloon mortgage: A mortgage with constant monthly payments that amortizes over a given term, but also necessitates the payment of a lump sum at the conclusion of a previous term. Balloon Payment: The last lump sum made at a balloon mortgage's maturity date.When the buyer is taking over the seller's mortgage, the difference between the mortgage's balance and the sales price may be financed using a purchase-money mortgage.To learn more about purchase contract refer to:
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sandy has the option of obtaining life insurance through her place of employment. she will not need to take a physical exam. this type of policy would be a/an policy.
Accelerated benefits, commonly referred to as "living benefits," are the proceeds from a life insurance policy that are given to the policyholder before to his or her passing.
Although they may be included in the policies themselves, riders or attachments to new or existing policies are more frequently used to provide the benefits. This lists what is covered as well as a summary of the insurance company's main guarantees. The insurer commits to a number of actions in the Insuring Agreement, including paying losses for covered perils, offering particular services, or agreeing to defend the insured in a liability lawsuit. A conditional assignment known as a collateral assignment of life insurance designates a lender as the main beneficiary of a death benefit that will be used as collateral.
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you would like to buy shares of sirius satellite radio (siri). the current ask and bid quotes are $4.34 and $4.31, respectively. you place a market buy order for 630 shares that executes at these quoted prices. how much money did it cost to buy these shares? (round your answer to 2 decimal places.)
To buy these shares, the cost of money will be $2,734.20.
Shares are fractional ownership interests in a corporation. For some businesses, shares are a type of financial instrument that allows for the equitable distribution of any declared residual profits in the form of dividends. A stock that doesn't pay dividends doesn't include its shareholders in the distribution of profits.
The calculation is as follows:
According to the data provided in the question
Current ask price = $4.34
Bid quotes = $4.31
Number of markets buy order = 630 shares
As concerned with the above data, the cost to buy these shares equal to
= Number of market buy orders × Current ask price
= 630 shares × $4.34
= $2,734.20
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what does pei-chia lan call filipino and indonesian domestic workers laboring for newly rich families in taiwan?
A study of Filipino and Indonesian caretakers who were employed by newly wealthy families in Taiwan reveals how women—both employers and workers, maids and employers—create new global migration flows that unexpectedly destabilize gendered and patriarchal roles.
Is it through action that gender identity is expressed?Gender performance is the act of expressing one's gender identity.
Who are the four genders?Nouns in English are classified as masculine, feminine, common, or neuter.
Does Pangender exist?Pangenders are people who believe they cannot be classified as either male or female. The queer community intends for the term to mean "all genders" and is inclusive.
Which genders are there?Benestad has observed seven distinct genders through these real-life conversations: Personal, Eunuch, Intersex, Transgender, Nonconforming, and Female
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independently owned firms that take title to the merchandise they handle, are classified as either full-service or limited-service, and go by names like industrial distributor are known as .
Independently owned firms that take title to the merchandise they handle, are classified as either full-service or limited-service, and go by names like industrial distributors are known as merchant wholesalers.
What are merchant wholesalers?Merchant wholesalers are described as independent businesses that sell goods after purchasing them from the manufacturers. It is important to mention that the merchant wholesalers are the one that purchases goods and sells them to other third parties. Merchant wholesalers form an important part of indirect sales.
The merchant wholesalers are the ones that purchase the goods, store them, and handle them physically in bulk quantities. The merchant wholesalers sell the goods to the other retailers, but only in small quantities.
It can be concluded that independently owned firms that take title to the merchandise they handle, are classified as either full-service or limited-service, and go by names like industrial distributors are known as merchant wholesalers.
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What will your credit score NOT tell the bank?
A: If you are responsible with your money
B: Your available credit limit
C: If you pay bills on time
D: The specific things you purchase
The thing that your credit score will NOT tell the bank is: A: If you are responsible with your money.
What is credit score?Credit score can be defined as the score that help to show if a borrower will always pay the amount they borrowed from a lender on time.
A person with high credit score will have the tendency of paying back the amount loan to them on them compare to the person that have a low credit score. A high credit score can tend to give a borrower more advantage over someone with low credit score based on the fact that lender will loan the person because they knows that the person will payback the loan amount within a stipulated period of time.
Credit score can not tell the bank whether you are responsible with your money or not.
Therefore we can conclude that credit score help lender to know the credit worthiness of a borrower.
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what was the book value of the equipment inventory at the six-year point, substituting the new hydraulic lift for the original after the new lift had joined the inventory (in $)?
The book value of the equipment will be $287880
The original cost of the equipment= $377,000
The residual value of the equipment= $47000
Depreciation of original equipment= Original cost of equipment - Residual cost/Useful life
= 377000 - 47000/20
= $16500
The residual value of lift:
Original cost = $15080
Residual value after 20 years = $47000/$377000*15080 = $1880
Annual depreciation of lift = $15080 - $1880/20
$660
Book value after 6 years = $15080 - (6*660)
= $11120
Book value of equipment without substitution after 6 years = 377000 - 6*16500
= 278000
Book value of lift after 6 years = $11120
Book value of inventory after substitution = $278000 - 11120 + 21000
= $287880
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when contracts for the sale of real property are placed with a disinterested third party for executing and closing, they are said to beplaced in: group of answer choices safekeeping a title company of financial institution assignment escrow
The sale of real property are placed with a disinterested third party for executing and closing, they are said to be placed in escrow.
What is real property ?Real property, in the United States and Canada only, land means land owned by a person and any property incorporated into or attached to property, including crops, buildings, machinery, wells, dams, ponds, mines, and canals.It means a structure such as a road. The term is historical and arose from a now-defunct form of litigation, distinguishing between real property disputes. Real property or personality is all property that is not real property. In countries where real estate is privately owned, the status of real estate in the real estate market, where real estate agents operate on the real estate market, is protected by civil law. Scottish civil law refers to property as "inheritance", while French law refers to it as immovable.To learn more about real property from the given link ;
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which of the following statements is true of selection criteria for projects? multiple choice question. they are typically identified as nonfinancial and not financial. they are typically only identified as financial. they are typically identified as financial and nonfinancial. they are typically identified as financial and not nonfinancial.
Selection criteria for projects, are typically identified as financial and non-financial.
Costs, deadlines, public opinion, evident needs, and varying levels of quality are typical examples of decision-making criteria.
Accurate and Unambiguous, which means that there is a precise and clear connection between the requirements and the actual effects. Comprehensive but succinct, that is, they cover the full range of pertinent consequences without adding unnecessary detail to the evaluation framework, which is still organized and manageable criteria .
Financial is a noun that refers to or involves money. The business is having financial issues. Budgeting, business, and economics are synonyms. More financial equivalents. Finance is the study and practice of money, money-related instruments, and capital assets. The study of the creation, transfer, and consumption of money, assets, goods, and services is known as economics. However, the two are not the same thing.
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Jane invests $5,757 in an account that earns an annual interest rate of 2%. what will be the balance of the account in 16 years if the interest is compounded continuously?
With annual interest rate of 2% and compounded continuously, his balance in 16 years is $7,928.12
By compounding continuously, it means the number of periods is theoretically infinite.
The formula for the future value with continuous compounding is:
FV = PV . e^(r. t)
Where:
PV = present value
r = annual interest rate
t = number of years
Parameters given from the problem:
r = 2%
PV = $5,757
t = 16 years
Plug these parameters into the formula:
FV = 5,757 . e^(0.02 . 16)
FV = 7,928.12
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which organizational structure is characterized by low flexibility, low adaptability, and low problem recognition?
The organizational structure that is characterized by low flexibility, low adaptability, and low problem recognition is structural mobility.
The occurrence of structural mobility is the ascent of a person up the social scale. A person descends the class ladder. Due to sociocultural changes, a sizable group moves up or down the class ladder.
Structural mobility is the term used to describe social changes that result in a significant number of people moving up or down the social scale. When openings are made at the top by downward mobility, exchange mobility occurs.
The capacity to move around and use one or more means of transportation to get from one place to another to fulfill everyday demands is referred to as mobility. As a result, it is distinct from accessibility, which denotes the capacity to gain access to or arrive at a desired service or activity.
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buffelhead's stock price is $238 and could halve or double in each six-month period. assume that you own a one-year american put option on buffelhead stock with an exercise price of $238. the interest rate is 19% a year. a. would you ever want to exercise an american put early? multiple choice yes no b. calculate the value of the buffelhead american put. (do not round intermediate calculations. round your answer to 2 decimal places.) c. calculate the value of the put if it had been european-style. (do not round intermediate calculations. round your answer to 2 decimal places.)
The Bufflehead stock option will have a positive value when the stock price is below the strike price, and a negative value when the stock price is above the strike price. If the stock price doubles, the option will have a negative value. If the stock price halves, the option will have a positive value.
a.)Yes, if the stock price decreases below the exercise price, the holder of the put option would want to exercise the option in order to sell the stock at the higher exercise price.
b.) The possible prices of Bufflehead stock and the associated American put option values (shown in parentheses) are:
Let p equal the probability of a rise in the stock price.
Then, if investors are risk neutral:
p(1.00) + (1 – p) × (–0.50) = 0.10
p = 0.4
If the stock price in month 6 is $110, and if the American put option is not exercised, it will be worth:
[(0.4 ´ $0) + (0.6 ´ $165)]/1.10 = $90
On the other hand, if it is exercised after six months, it is worth $110. Thus, the investor should exercise the put early.
Similarly, if the stock price in month 6 is $440, and if the American put option is not exercised, it will be worth:
[(0.4 ´ $0) + (0.6 ´ $0)]/1.10 = $0
On the other hand, if it is exercised after six months, it will cost the investor $220. The investor should not exercise early.
Finally, the value today of the American put option is:
[(0.4 ´ $0) + (0.6 ´ $110)]/1.10
= $60
c.)The European put, value at that point is $90 because the European put cannot be exercised early.
Therefore, the value of the European put is:
0.4 ´ $0) + (0.6 ´ $90)]/1.10
= $49.09
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which of the following is a true statement? a) individuals qualify for the moving expense deduction only if they change employers. b) individuals qualify for the moving expense deduction if their employer does not pay for the moving expenses. c) moving expenses are deductible from agi. d) moving expenses are generally not deductible.
a) individuals qualify for the moving expense deduction only if they change employers is a true statement.
Moving expenses are not deductible. Unless lawmakers change the tax code, this could change after 2025.
Employees may find it difficult and costly to relocate for business reasons. As a result, many employers pay for employee moving expenses.
Employees' moving expenses were once tax deductible, but that deduction was eliminated in the 2018 tax year.
Moving expenses incurred by an employee can be deducted as a business expense if they are included in the employee's standard W-2 wages.
Moving expenses will be tax-deductible again in 2026, assuming no further changes to tax law.
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walker corp. issues $10 million in bonds at a discount. one year later, the unamortized discount associated with the bonds is $325,000. the market value of the bonds is $10.2 million. if the company chose the fair value option, the bonds should be reported at
$525,000 in unrealized holding gain.
What does an unrealized holding gain entail?
An increase in the value of an asset that a person or business continues to hold is known as an unrealized holding gain. The entity's income statement does not yet show this gain as a realized gain. The gain is thought to have been realized once the asset has been sold.
What happens to the unrealized holding gain?
Recording Unrealized Gains Securities held for trading are recorded at their fair value on the balance sheet, and the income statement records both realized gains and losses.
The investment's fair value is 1020,000 less: Investment's carrying value is 9675000, or 10000000 times 325000 times the unrealized holding gain of 525000 times $525,000.
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why does it make intuitive sense that the slope of the yield curve is considered a leading economic indicator
A yield curve is a line that shows the connection between the amount of interest a bond pays and when it matures. The line serves as a fantastic leading economic indicator because it predicts if a bond will have a favorable or negative impact on the economy.
Define a leading indicator.A leading indicator is a variable that alters before the economy experiences any cyclical changes. A piece of data or a group of facts related to the economy that may predict future movement or change in the economy is known as a leading indicator.
Future events and trends in business, markets, and the economy can be predicted and projected with the use of economic leading indicators. In other words, the lagging indicator only gauges the goal, whereas the leading indicator forecasts the possibility of reaching it.
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find the interest rate needed for an investment of $4,000 to grow to $28,000 in 6 years if interest is compute semiannually.
With a semi annual compound interest rate, the interest rate would be 35.209% compounded semi annually in order to grow from $4,000 investment to $28,000 within 6 years.
The calculation for a semi annual compound interest rate is as follows:
Given that:
A = Principal + Interest
P = Principal (Initial investment)
n = Number of compound per year
t = Time in years
We will then calculate the semi annual compound interest rate from the initial investment of $4,000 in order to grow $28,000 within 6 years:
r = n[(A/P)[tex]{1/nt\\ }[/tex] - 1]
r = 2 × [(28,000.00/4,000.00)[tex]{1/(2)(6)}[/tex] - 1]
r = 0.352094
Then the next step would be to convert r from decimal to R as a percentage:
R = r × 100
R = 0.352094 × 100
R = 35.209% per year
Therefore, an initial investment of $4,000 given a semi annual compound interest rate of 35.209%, will multiply seven fold to $28,000.00 over the period of 6 years.
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which of the following is true for the imf (international monetary fund) and the world bank? group of answer choices a. sources of fund for the imf is sale of debt instruments, whereas it is member contribution for the world bank b. the imf is non-profit oriented c. they are both established to promote world trade b and c all of the above
IMF is non-profit oriented and IMF and world bank are established to promote world trade.
The International Monetary Fund (IMF) and the World Bank Group are unique global organizations focused on global monetary cooperation and economic stability on developing countries respectively. They have no affiliation with the United Nations - although most of the member states of these groups are members of the United Nations as well.
The IMF's mandate includes assisting the growth of international trade in a balanced way, encouraging exchange rate stability, and giving nations the chance to resolve their balance of payments issues in an orderly fashion. In 1945, the IMF was created.
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true or false: in business process reengineering, it is best to select the it system to be used prior to reengineering the processes to ensure the process fits the system.
The statement is False. reengineering the processes to ensure the process fits the system.
business manner re-engineering (BPR) is a commercial enterprise control method at the beginning pioneered in the early 1990s, focusing on the evaluation and design of workflows and commercial enterprise approaches within a company. BPR's goals are to help groups essentially reconsider how they do their paintings with the intention to enhance customer service, reduce operational charges, and emerge as a world-magnificence competition.
BPR seeks to help organizations extensively restructure their agencies by means of focusing on the floor-up layout of their business tactics. in step with early BPR proponent Thomas H. Davenport (1990), a business process is hard and fast of logically related obligations completed to attain a defined business outcome. Re-engineering emphasized a holistic awareness of business objectives and the way procedures related to them, encouraging the full-scale activity of tactics, in place of iterative optimization of sub-processes. BPR is inspired by the aid of technological innovations as industry players update vintage techniques of commercial enterprise operations with price-saving progressive technologies which include automation that may extensively transform business operations.
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how is the issue of raising capital a natural barrier to entry for new firms seeking to enter a market?
The issue of raising capital is a natural barrier to entry for new firms because banks and venture capital companies are unlikely to lend to firms with little chance of competing against established businesses.
The barrier to entry of new firms in the market could be the high cost of startups, licenses, government regulations, and other barriers. These barriers are beneficial for the existing firms as these barriers target to reduce the competition for the already established firms.
Capital requirement is one of the major barriers to entry for new firms. From the cost of setups to production and marketing, capital is required at each stage of the business. Since there is no definite guarantee of profits in the market, bank and venture capital companies hesitate to lend the new firms.
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Lower-level public agency employees who take actions outlined in law are known as ______.
Answer: Street-Level Bureaucrats
Explanation:
the canadian nominal interest rate in 2010 was 1.30%. inflation in 2009 was measured at 3.64%. calculate the real interest rate. round your answer to two places after the decimal. real interest rate: % which of the statements is true? the nominal interest rate is typically greater than the real interest rate due to inflation. the difference between the real and nominal interest rate is equal to the change in gdp. the nominal interest rate is typically less than the real interest rate due to inflation. the real and nominal interest rates are always equal.
The real interest rate is -0.48% and the nominal interest rate is typically greater than the real interest rate due to inflation is a true statement.
As per the question, the Canadian nominal interest rate in 2010 was 1.30% and inflation in 2009 was measured at 3.64%.
The real interest rate can be calculated by Fisher Equation which is given below
Real interest rate=Nominal interest rate- Inflation
To calculate the real interest rate in 2010 we need to know the inflation in the 2010 year which is equal to 1.78%.
Real interest rate=1.30%.-1.78%
=-0.48%
So, the correct statement is the first one which says due to inflation nominal interest rate is greater than the real interest rate.
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who are the individuals and organizations actively involved in the project or whose interests might be affected as a result of project execution or project completion?
Project stakeholders are the people and groups actively worried withinside the mission or whose hobbies are probably affected due by mission execution or mission completion.
Who're the project stakeholders?A mission stakeholder is an organization, group, or character that is probably impacted or affected, or that perceives an effect through the mission's activity, outcome, or decision. The outcomes can be advantageous or negative. Project stakeholders are worried about all mission processes, from the theory of the concept to its completion.
Examples of stakeholders in a mission consist of an organization's departments, clients, managers, buyers, and suppliers. For instance, buyers gain immensely from elevated earnings if a mission is successful.
However, the buyers also can endure massive economic losses if it's miles unsuccessful. If mission sports grow to be greater expensive, the buyers might be impacted for the reason that they may be required to feature greater finances.
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your first job is in hotel management and recently you were promoted to hotel manager for a large convention hotel in downtown new orleans. answer the following questions given the information below for one day. what is the total contribution to profit and overhead?
$41,000 is the total contribution to profit and overhead for one day in hotel in downtown new orleans.
given,
Contribution by Business Hotel Customers is
= Sales - variable cost
= (100-25) ×280
= $21,000
Now
Contribution by Convention Association Hotel Customers = (Sales - variable cost)*400
= (75 - 25)× 400
= $20,000
Total contribution to profit and overhead is
= $21,000 + $20,000
= $41,000
$41,000 is the total contribution to profit and overhead.
the complete question is:
Your first job is in hotel management and recently you were promoted to Hotel Manager for a large convention hotel in downtown New Orleans. Answer the following questions given the information below for one day. What is the total contribution to profit and overhead?
Characteristic/Variable Business Hotel Customers (B) Convention Association Hotel Customers (C)
Customers for this day (D) 280 room nights rented (DB) 400 room nights rented (DC)
Average price/room night (VC) $100 (PB) $75 (PC)
Variable cost/room night (VC) $25 $25
Maximum price/room night (called the rack rate) $150 $110
Maximum number rooms available for sale this day 300 room nights available 700 room nights available
a. $39,500
b. $44,170
c. $38,750
d. $41,000
e. $34,567
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the hendersons were hoping to list their home for $400,000; however, four other comparable homes in the neighborhood just went up for sale, and they now must list their property at $380,000 to sell quickly. which economic principle is at work here?
In this case the economic principle of Competition is into action.
Here, as every other houses has low rates therefore Henderson reduced their prices to be in competition of selling their house as people would prefer low priced homes.
What is competition in business?
Competition in business is the contest between several firms selling similar goods or services. In this people, companies attempt to meet the same consumer needs and earn more revenue as people choose to buy their offering. Benefits in competition include
Helps business find its competitive advantageMakes businesses serve customers betterMakes employees more efficient:Boosts constant business developmentTypes Of Competition
Direct competitionIndirect CompetitionPotential or Replacement CompetitionHence, in this case the economic principle of Competition is into action.
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Government tax assessment offices determine the _________________ by comparing similar properties in a geographic area.
Government tax assessment offices determine the assessed value by comparing similar properties in a geographic area.
Government tax assessmentThe task of estimating the worth of property and, occasionally, establishing its use is known as tax assessment, or assessment. This is typically done to determine a property tax. This is typically carried out by a department known as the assessor or tax assessor. Tax revenue is essential for governments to function.
Usually employed for tax purposes, assessed value is a portion of a property's fair market value. Local governments, including counties, cities, and school districts, have the authority to impose a property tax on properties that are located within their jurisdiction.
This assessed value is decided annually in various jurisdictions. However, in certain jurisdictions it is only done when the property is transferred every three years.
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If a company is open about pay issues, what results are they likely to see, especially with millennial employees? check all that apply. improved retention reduced discussion of wages reduced concern about work-life balance improved job satisfaction
The most likely results will be Improved retention, reduced discussion of wages, reduced concern about work life balance and improved job satisfaction that is all the options are correct.
An organization hires employees and pays them for working in the firm at different levels. The pay scale of the employees are according to the designation of the employees. Whenever there is any abnormality in the pay scale of the employees the organization is solely responsible. However, if the firm remains open about the issues relating to payment, then it becomes easier for the employees as they manage their expenses accordingly. Also it gains trust of the employees and they remain permanent employees within the company. It also leads to lesser problems and discussions among the employees about the pay scale and lesser strikes by them regarding payment.
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josefina is the only seller of sopapillas in town. last week, she sold 200 sopapillas, and the marginal revenue of the 200th sopapilla was $1.50 and the marginal cost was $1.75. is josefina maximizing her profit? a) yes, josefina is maximizing her profit. b) no, josefina is producing less than the optimal quantity. c) no, josefina is producing more than the optimal quantity. d) no, josefina is not maximizing her profit despite producing the optimal quantity.
Josefina is the only seller of sopapillas in town. last week, she sold 200 sopapillas, and the marginal revenue of the 200th sopapilla was $1.50 and the marginal cost was $1.75. Considering this option B is correct which is no Josefina is producing more than the optimal quantity.
When the marginal revenue is less than the marginal cost, the marginal profit is negative and a lesser quantity of goods should be produced. Marginal revenue means the increase in revenue that results from selling one additional unit of output. Although it can remain constant when the output remains stable and will eventually slow down as the output increases which follows the law of diminishing returns. Here the marginal revenue is lower than the marginal cost at $1.50 < $1.75 so Josefina should produce lesser sopapillas but she is producing more than the optimal quantity hence profit is not maximized.
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of the four classes of investment identified by ross and beath, which involves upgrading core it infrastructure and applications, reducing the costs, or improving the quality of it services?
Renewal involves upgrading core infrastructure and applications, reducing costs, or improving the quality of its services.
In economics, a carrier is an intangible commodity. more, in particular, services are an intangible equivalent of monetary goods. service provision is frequently a monetary hobby in which the purchaser does now not typically, except with the aid of a one-of-a-kind contract, attain one-of-a-kind ownership of the factor bought.
The carrier also referred to as the tertiary quarter, is the 1/3 tier in the 3-region economy. instead of product manufacturing, this sector produces services preservation and upkeep, training, or consulting. Examples of provider-area jobs encompass housekeeping, excursions, nursing, and coaching.
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the western capital growth mutual fund has: total assets $ 837,000,000 total liabilities $ 20,200,000 total number of shares 40,000,000 what is the fund's net asset value (nav) per share?
The fund's net asset value (nav) per share is 30.95 net asset value.
What is the net asset value?When a bank's price is provided by a trader or online financial portal, the net asset value for a share (NAVPS) of vehicle is also provided. Although NAVPS is determined only once each day, and the worth of the property acquired by a company may alter each day, this number is different from the firm's market price.
Total assets are $ 837,000,000
Total liabilities are $ 20,200,000
The total number of shares is 40,000,000
The net asset value formula is computed as
Net asset value = (assets - liabilities) / total shares
= (750,000,000 - 7,200,000) / 24,000,000
= 30.95 net asset value
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all of the activities involved in obtaining required materials, supplies, and parts from other firms are called
The whole process of obtaining the necessary goods, services, and parts from other companies is known as purchasing.
What is purchasing ?A company or organization utilizes the purchasing process to buy products or services in order to achieve its objectives. Although many businesses make an effort to establish standards for the purchasing process, procedures can differ significantly between firms. The expediting, supplier quality, shipping, and logistics are often also included in the larger procurement process, which includes purchasing. The organization's purchase criteria and processes are directed by purchasing managers/directors and procurement managers/directors. A three-way check serves as the cornerstone of most businesses' buying strategies. As a result, three organizational departments complete various phases of the purchase process.
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Your credit score is not associated with:
A. securing a home loan.
B. getting approved to rent an apartment.
C. being hired by a hiring manager.
D. an increase in salary.
Your credit score is not associated with:D. an increase in salary.
What is credit score?A credit score can bne described as the numerical expression which is been done conwidering some level analysis of a person's credit files which help to know more about the person.
It should be noted that this help to know the creditworthiness of an individual and it help to know aboput te financial capacity of a person, it can be a determinant when one is trying to secure a loan for home as well as when one is trying to rent something on credit.
Therefore, option D is correct.
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