Which of the following is an example of voluntary debt - that is, debt a person or business creates in good faith and not under duress? A. Mortgage B. All of these C. Boat loan D. Car loan

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Answer 1

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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Related Questions

Management: Who manages the company? : Is the manager(s) actively involved in the decisions of the business at Woolworths? : Will the managers be able to make informed decisions at Woolworths? What form of capital will be obtained at Woolworths? : What amount of capital could be raised at Woolworths? : Can the business raise extra capital for expansion at Woolworths? : Who will be taxed at Woolworths? What is the tax rate at Woolworths? : How does the tax rate compare with other forms of ownership at Woolworths?​

Answers

This is a Research Response Assignment. The focus on "Management" using Woolworths as a case study.

Who manages the company?

The Group CEO of Woolworths is Roy Bagattini. He also doubles as one of the Executive Directors.

The CEOs of all the subsidiaries report to him. Some of the subsidiary CEOs are:

Zyda Rylands - CEO -  Woolworths FoodRaju Vuppalapati - CEO - The Country Road GroupManie Maritz - CEO - Fashion Beauty and Home.

Is the manager(s) actively involved in the decisions of the business at Woolworths?

In Woolworths, line managers are responsible for the daily activities and decisions. The all report to the CEO. The CEO's report to the Group CEO and the Group CEO to the Board of Governors.

Will the managers be able to make informed decisions at Woolworths?

Yes Managers in Woolworths are able to make informed decisions at Woolworths.

What form of capital will be obtained at Woolworths? What form of capital will be obtained at Woolworths?  What amount of capital could be raised at Woolworths?

The capital that will be obtained at Woolworths is subject to the finance requirement of the company.

Over the course of one round, Woolworths raised a total of ZAR500M in fundraising. On December 30, 2015, the above Venture - Series investment was raised.

It is also important to note that The Woolworths company reported total food sales of 44.44 billion Australian dollars for the Australian financial year 2021. This is a rise from the prior year and continues the rising trend that began in 2016.

Can the business raise extra capital for expansion at Woolworths?

If there was a requirement for it, the company will certainly raise the required funds. As indicated above, their financial are suggestive of a growing and expanding company. Their financial status is indicative of strong financial health.

Who will be taxed at Woolworths?

The tax rate applicable on sales items at Woolworths is always subject to the prevailing tax rate of the country in which their operation is domiciled.

The Value Added Tax will be paid by buyers of Woolworths goods, Personal Income Tax by it's staff and Company Income Tax by the company.

What is the tax rate at Woolworths?

The tax rate for Woolworths Group is calculated to be 27.33 percent for the fiscal year that ended in June 2021.

How does the tax rate compare with other forms of ownership at Woolworths?​

The rates is relatively fair when compared with other forms of ownership at Woolworths.

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When independent stock transfer agents are not employed and the corporation issues its own stock and maintains stock records, canceled stock certificates should:_______

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When independent stock transfer agents are not employed, the canceled stock certificates should be defaced to prevent reissuance and attached to their corresponding stubs.

A transfer agent plays a vital role in acting as a liaison between a company's registrar and an investor. A stock transfer agent makes sure that shareholders receive dividend payments in a timely manner. These agents send stock shares to investors after a stock split.

When a company cancels its common stock, it declares all existing common stock certificates to be null and void. Most often, companies cancel stock while going through bankruptcy proceedings.

Hence, the canceled stock certificates should be defaced in order to prevent reissuance.

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If all external costs were internalized, then the market's output would be:_____.
a. q1.
b. q3.
c. q2.
d. q4.

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If all external costs were internalized, then the market's output would be q4. Reducing externalities is encouraged through internalization through pricing strategies. The objective is to close the gap between  individual costs and the collective cost of various journeys. If demand remains constant, price will increase and quantity requested will decrease as external costs are internalized.

The activity that creates external advantage is priced  cheap and the quantity sought is too low for it to be efficient when there is external benefit. Requiring producers to include  cost of the externalities generated during production of their output in their production costs.

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What is the principal reason that economists give for the existence of deflationary and inflationary gaps?

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Wages are fixed in the short run is the principal reason that economists give for the existence of deflationary and inflationary gaps.

An inflationary gap is an amount by the way which real aggregate demand exceeds the extent of aggregate demand(expected) required to establish the entire employment. The deflationary gap is the amount by means of which real mixture demand falls brief of combination supply at the stage of complete employment.

Definition deflationary gap – that is the difference between the full employment stage of output and real output. As an example, in a recession, the deflationary gap can be quite extensive, indicative of the high costs of unemployment and underused assets. A deflationary hole is likewise referred to as a terrible output gap.

A short Run in economics refers to a manufacturing planning period in which a commercial enterprise attempts to fulfill the market demand with the aid of maintaining one or more production inputs fixed even as changing others. It varies with industries and differs from the longer term in that the latter considers all inputs as variables.

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The petty cash fund is:_______
a. established by estimating payments needed.
b. used to pay small amounts that occur often.
c. a special cash fund.
d. all of these choices are correct.

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The petty cash fund is a special cash fund which is established by estimating payments needed, and used to pay small amounts that occur often.

The purpose of a petty cash fund is to provide the business units with enough cash to cover minor expenditures. It is a special fund which is set up to pay for minor expenses with cash instead of paying by cheque (e.g. fares, tea and coffee, stamps etc).

A petty cash fund is maintained on a periodic basis. The fund is created by drawing a check on the regular cash account maintained by petty cash custodian.

Hence, option D is correct.

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Bea Moran wants to establish a long derivatives position in a commodity she will need to acquire in six months. Moran observes that the six-month forward price is 45.20 and the six-month futures price is 45.10. This difference most likely suggests that for this commodity:

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Bea Moran wants to establish a long derivatives position in a commodity she will need to acquire in six months. Moran observes that the six-month forward price is 45.20 and the six-month futures price is 45.10. This difference most likely suggests that for this commodity: futures prices are negatively correlated with interest rates.

This is further explained below.

What are interest rates?

Generally, the fraction of a loan that is charged as interest to the borrower is often stated as a yearly percentage of the loan outstanding.

"lower interest rates encourage people to spend money on house upgrades"

In conclusion, Bea Moran would want to construct a long derivatives position in a commodity that she will need to buy in a little over half a year's time. Moran notes that the price of the six-month forward contract is now at 45.20, while the price of the six-month futures contract is currently at 45.10. Because of this disparity, it is quite probable that the prices of futures contracts for this commodity have an inverse relationship with interest rates.

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The combination of price level and real output when aggregate demand equals aggregate supply is known as:________

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The combination of price level and real output where aggregate demand   equals aggregate supply is known as Macro Equilibrium.

What is Macro Equilibrium?

Macro equilibrium occurs at the point at which the aggregate demand equals to the aggregate supply. Here, there's a balance in the economic forces. The macroeconomic equilibrium is a state which doesn't bring about a change of the behavior of the economic operators.

Macroeconomic equilibrium occurs when the quantity of real GDP demanded equals the quantity of real GDP supplied at the point of intersection of the AD curve and the AS curve. If the quantity of real GDP supplied exceeds the quantity demanded, inventories pile up so that firms will cut production and prices.

If the quantity of real demand exceeds the quantity supplied, inventories are depleted so that firms will increase production and prices.

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When using horizontal differentiation, a firm divides itself into subunits based on function, type of business, or.

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When using horizontal differentiation, a firm divides itself into sub units based on function, type of business, or Geographic area

Horizontal differentiation

Is basically concerned with how the firm decides to divide itself into sub units. The decision is typically made on the basis of function, type of business, or geographical area. In many firms, just one of these criteria predominates, but more complex solutions are adopted in others. This is particularly likely in the case of international firms, where the conflicting demands to organize the company around different products (to realize location and experience curve economies) and different national markets (to remain locally responsive) must be reconciled. One solution to this dilemma is to adopt a matrix structure that divides the organization on the basis of both products and national markets.

Functional structure :

A functional structure can work well for a firm that is active in a single line of business and focuses on a single geographic area. But problems can develop once the firm expands into different businesses or geographies.

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Business systems are primarily computer-based information systems that provide organizations with valuable ____________.

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Business systems are primarily computer-based information systems that provide organizations with valuable information.

Why we need computer based information systems for businesses?

Managers who must make decisions on specific situations are given information. Provides assistance for making decisions in ill-structured settings. Many office tasks can be carried out electronically thanks to this multi-functional, computer-based system.

What is the role of information system in business?

In order to support organizational functions like decision making, communication, coordination, control, analysis, and visualization, information systems gather, store, and transmit information from an organization's environment and internal activities.

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Wendy claims that the right mix of hamburgers and other goods is being produced, but that they are not being produced in the least costly way. How would an economist assess wendy's claim?

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Wendy claims that the right mix of hamburgers and other goods is being produced, but that they are not being produced in the least costly way. Economist assess it in the way of allocative efficiency as well as the productive efficiency.

According to Wendy, allocative efficiency is achieved because the right mix of hamburger is produced, but at the same time  productive efficiency is not achieved because the production is not utilizing cheapest possible means of producing the goods.

Allocative efficiency occurs when  the consumer demand is completely met by the  supply. In the other words, businesses are providing the exact supply which the  consumers want.

Allocative efficiency occurs from the producers side as well as the consumers side. This happens when the demand is fully met, and production is optimized until marginal costs = marginal revenue . It means that no more profits are made.

Productive efficiency occurs when the businesses focuses on producing a good at the lowest possible cost.

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When marketers carefully develop a set of product attributes such as the brand name, features/design, and quality level of an offering, they are developing the.

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When marketers carefully develop a set of product attributes such as the brand name, features/design, and quality level of an offering, they are developing the -- actual product

Defining Product :

A product is a bundle of attributes (features, functions, benefits, and uses) that a person receives in an exchange. In essence, the term “product” refers to anything offered by a firm to provide customer satisfaction, tangible or intangible. Thus, a product may be an idea (recycling), a physical good (a pair of sneakers), a service (banking), or any combination of the three.

Brand :

Brands are interesting, powerful concoctions of the marketplace that create tremendous value for organizations and for individuals.

Defining actual product :

An actual product is what the consumer holds in his or her hand when the product is purchased. This is the packaging, brand name, logo and all tangible aspects of the product that can be seen without opening or using the product. While the tangible aspects of the product may not help the quality, it can lead to increased sales if properly used.

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As a group, oligopolists would always be better off if they would act collectively true or false?.

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True As a group, oligopolists would always be better off if they would act collectively

What happens when oligopolists collude?

Collusion happens when oligopoly firms make joint decisions, and act as if they were a unmarried firm. Collusion requires an agreement, either explicit or implied, between cooperating firms to limit output and achieve the monopoly price

What are the advantages of oligopoly?An oligopoly can embrace a competitive strategyThe extra profits made from an oligopoly can go into research and developmentIt can bring price strength to the market.Oligopolies can offer more details to their consumers. It allows for more development refinement to occur.

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Knows that her team needs to complete training. she has identified the amount of time and the software needed by doing a(n) ________ analysis

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Knows that her team needs to complete training. she has identified the amount of time and the software needed by doing a task analysis.

What is a task analysis?

This is the process that people would have to undertake as they do task. The way that this works is that a person would have to observe the process that a person would take in order to complete several tasks.

The goal of such a step is so as to see how they go about their tasks in the performance and the carrying out of their duties and also trying to replicate the steps that they took to achieve this.

Hence we can conclude that she Knows that her team needs to complete training. she has identified the amount of time and the software needed by doing a task analysis.

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A(n) ____ can be used to demonstrate why a competitive oligopoly tends to result in a low-price strategy that does not maximize mutual profits.

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A Payoff matrix may be used to illustrate why a aggressive oligopoly has a tendency to result in a low-fee method that doesn't maximize mutual income.

A payoff matrix is a manner to specific the result of gamers' choices in a recreation. A payoff matrix does no longer express the shape of a sport, such as though players take turns taking moves or a player has to make a preference without understanding what desire the alternative will make.

Recreation idea offers with any scenario is which the praise to any one participant – the payoff – depends no longer handiest on her own moves however additionally on the ones of different players in the game. in the case of oligopolistic firms, the payoff is absolutely the firm's income.

A payoff matrix is a device this is used to simplify all of the possible consequences of a strategic choice. it is a visible representation of all the viable techniques and all the viable consequences.

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What indicates the earning power of a project?
a) market share
b) efficiency mis
c) metrics return on investment

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c) metrics return on investment indicates the earning power of a project.

Investment is dedicating an asset to achieve an increase in value over a period of time. Making an investment requires sacrificing your current assets such as time, money, and effort. The purpose of investment in finance is to generate profit from the invested assets.

The definition of investment is an asset that is purchased or invested to build wealth and save money from hard earned income or capital appreciation. The importance of an investment is primarily to gain an additional source of income or to make a profit from the investment over a period of time.

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Identify two forms of business organization.(other than supermarkets and fish) canning) found in the private sector.

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Two forms of business organizations found in the private sector are partnerships and Limited Liability companies or corporations.

What are partnerships and Limited Liability companies?Partnerships have multiple owners at the same time and these owners divide profits and responsibilities amongst themselves. Larger companies may arrange themselves differently to avoid getting sued and face other challenges. LLC organize themselves in a way that they prevent having ties with an individual directly. This implies that any responsibility is over the company itself and not any specific person or people. These companies are taxed differently when compared to other kinds of organizations.Such a structure makes it difficult to track or chase a single person for any liability.

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When are business letters necessary? Check all that apply. A permanent record is required. Communication is with the government. Persuasive, well-considered presentation is important. Recipients are located in another country. Formality and sensitivity are essential.

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The business letters are known to be essential base on the following

Formality and sensitivity are essentialRecipients are located in another country.A permanent record is required.

What is a business letter?

This is the term that is used to refer to the business letters which the people of a company are known to write to a different company. It is the way that the companies would carry out communications and interactions with themselves for several reasons.

These letters are said to essential based on the following points:

Formality and sensitivity are essential

Recipients are located in another country. A permanent record is required.

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A consumer purchases downloadable music from an e-commerce web site and the credit card is credited immediately. what is the name of this process?

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Real time Processing is the process where data is processed nearly immediately. There's no pause or waiting in this form.

What is real-time processing?

Real time processing needs a continual input, constant processing, and stable output of data. A great sample of real-time processing is data streaming, radar systems, customer service techniques, and bank ATMs, where direct processing is crucial to make the method work properly.

These systems process data as soon as they acquire input and give the processed data as output. Because of this character, real-time processing usually demands a continuous flow of data.

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A research approach that focuses on the actual content of texts and seeks to describe their meaning objectively and systematically, within the context of communication is called?

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Quantitative content analysis is a research approach that focuses on the actual content of texts and seeks to describe their meaning objectively and systematically, within the context of communication.

What is quantitative content analysis?Quantitative content analysis is a research method that focuses on the actual content of texts and aims to objectively and systematically characterize their meaning within the context of communication.Quantitative content analysis is a research method that categorizes and records aspects of textual, visual, or aural information so that they can be studied. It is widely used in the field of communication, but it is also useful in a variety of other fields. Their main purpose was to quantify the text's words or phrases in order to provide an objective and systematic description of the content.

Therefore, quantitative content analysis is a research approach that focuses on the actual content of texts and seeks to describe their meaning objectively and systematically, within the context of communication.

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F there is an increase in demand, the quantity will ______ and the price will _____.

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If there is an increase in demand, the quantity will remain unchanged and the price will rise.

This is because of  the Law of demand.

The law of demand is considered as one of the most fundamental concepts in economics. It works in relation to the law of supply which explains how market economies allocate resources and the prices of goods and services  are determined that we observe in everyday transactions.

The law of demand  also states that the quantity purchased  by consumers varies inversely with price.

In other words, the greater the price, the lower the quantity demanded. This happens because of the diminishing marginal utility. That is, consumers use the first units of an economic good purchased by them  to serve their most urgent needs  at first, and then they use each additional unit of the good to serve their other lower-valued ends.

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How does executive compensation can help manage interest over stockholder interest?

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Executive compensation includes benefits such as salaries, perks, incentives, and insurance.

It's hard to read business news without encountering articles about salaries, bonuses, and stock option packages given to CEOs of publicly traded companies. It's not easy to understand the numbers for evaluating how companies are paying their top talent. Investors must ensure that executive compensation works in their favor.

The board, at least in principle, seeks to align management's actions with the company's success through remuneration agreements. The idea is that the CEO's performance adds value to the organization. “Pay for performance” is the mantra most companies use when describing compensation plans.

Most people can support the idea of ​​paying for results, but this concept implies that the CEO takes risks. The CEO's wealth should scale with the company's wealth. When considering a company's compensation program, look at the extent to which management is involved in generating returns for investors.

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Ronaldo supports a hands-off policy for government regulation of the economy and social matters. to which third party does he belong?

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Ronaldo supports a hands-off policy for government regulation of the economy and social matters, third party he belongs to  was libertarian party.

The Libertarian Party (LP) is the  representative in American politics. It is the only political party which uses to respects persons as a unique and responsible individual.

Slogan of the libertarian party is that people are “The Party of Principle” because all people stand firmly on their principles.

Libertarians strongly oppose any government interference in their personal, business, and family decisions. Essentially, libertarian party believe all americans should be free to live their lives and pursue their interests as they see fit as long as they do no harm to another.

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What kind of a lien is created as a result of a judgment, estate or inheritance taxes, the decedent's debts, or unpaid federal income taxes?

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Answer is federal tax lien.

When you ignore or fail to pay a tax bill, the government has a legal claim over your property in the form of a federal tax lien. The lien safeguards the government's interest in everything of your belongings, including real land, personal property, and financial assets.

A federal tax lien refers to the federal government's power to confiscate property in the event of unpaid back taxes. A federal tax lien can be filed on any assets possessed by an individual or corporation who owes past taxes, even those acquired during the lien period.

Discharging property, applying for withdrawal, and entering into subordination agreements are all temporary solutions to a federal tax lien. The simplest method to deal with a federal tax lien is to pay the whole back tax sum.

Therefore, the answer is federal tax lien.

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For an automobile manufacturer, the cost of a driver’s side air bag purchased from a supplier and installed in every automobile would best be described as a:_________.

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For an automobile manufacturer, the cost of a driver’s side airbag purchased from a supplier and installed in every automobile would best be described as a Variable cost.

Variable costs are prices that exchange because of the volume modifications. Examples of variable prices are uncooked materials, piece-rate hard work, manufacturing supplies, commissions, shipping expenses, packaging elements, and credit score card expenses. In a few accounting statements, the Variable fees of manufacturing are called the “price of goods bought.”

A variable cost is a cost that adjustments in share to manufacturing output or sales. while manufacturing or sales growth, variable fees growth; while production or the income lower, variable charges lower.

Variable cost formulation. To calculate variable expenses, multiply what it fees to make one unit of your product by means of the whole variety of merchandise you've got created. This component seems like this: overall Variable costs = fee according to Unit x total range of gadgets.

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When comparing a 10-year bond versus a 1-year bond, the 10-year bond has a much greater interest rate risk. True or false?.

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When comparing a 10-year bond versus a 1-year bond, the 10-year bond has a much greater interest rate risk. The given statement is true.

What is 10-year bond versus?

The 10-year yield stands used as a proxy for mortgage rates. It's also seen as a symbol of investor sentiment about the economy. A rising yield indicates declining demand for Treasury bonds, which represents investors prefer higher-risk, higher-reward investments. A falling yield indicates the opposite.

When the 10-year yield proceeds up, so do mortgage rates and other borrowing rates. When the 10-year yield downfalls and mortgage rates fall, the housing market maintains, which in turn has a positive impact on economic development and the economy.

Put another way, present value captures how much would require to be invested today to maintain some amount at a provided point in the future if one could earn a specific return. When comparing a 10-year bond versus a 1-year bond, the 10-year bond has a much greater interest rate risk.

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According to the classical theory of money, reducing inflation will not make workers richer because firms will increase product prices _____ each year and give workers _____ raises.

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Less; and smaller I hope this helps I got the answers off Plato

Which additional information would the housing counselor need to prepare a household budget for this client?

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Documentation of life insurance payout additional information would the housing counselor need to prepare a household budget. A household budget is a plan for manage the resources and expenses of a home that consists of one or more people living in the same residence. You may build a plan for saving money by creating a budget, which also helps you understand where your money goes each month.

You can simply manage your spending, save money, and more easily keep track of and accomplish your financial objectives if you have a household budget in place. Example of household budget are food, auto etc.

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As of december 31, 2013, how many deferred tax liabilities (net of deferred tax assets) did colgate have? please provide your answer in millions, without comma separator or decimal (ex: 23456)

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Tax expense for the period, comprising current tax and deferred tax, should be included in the determination of the net profit or loss for the period. Taxes on income are considered to be an expense incurred by the enterprise in earning income and are accrued in the same period as the revenue and expenses to which they relate. Such matching may result into timing differences. The tax effects of timing differences are included in the tax expense in the statement of profit and loss and as deferred tax assets

Net deferred tax liabilities :

The deferred tax liability on a company balance sheet represents a future tax payment that the company is obligated to pay in the future

It is calculated as the company's anticipated tax rate times the difference between its taxable income and accounting earnings before taxes.

Deferred tax liability is the amount of taxes a company has "underpaid" which will be made up in the future. This doesn't mean that the company hasn't fulfilled its tax obligations. Rather it recognizes a payment that is not yet due.  

For example, a company that earned net income for the year knows it will have to pay corporate income taxes. Because the tax liability applies to the current year, it must reflect an expense for the same period.

But the tax will not actually be paid until the next calendar year. In order to rectify the accrual/cash timing difference, tax is recorded as a deferred tax liability.

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As a project is crashed and project duration is reduced, indirect costs typically.

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As a project is crashed and project duration is reduced, indirect costs generally: Decrease.

Project crashing in undertaking management is a method used to speed up a project's timeline by adding extra resources without changing the scope of the project.

When should a project be crashed?

Your team might be required on other projects or at least a particular subject topic expert might be. Crashing your program is one way to free up certain resources more fast. You could look at crashing a workstream so that your required resources are open for other tasks or projects.

What is the purpose of crashing a project?

The main goal of hitting a project activity is trimming a project while keeping costs at a minimum. It's about easing the schedule as much as possible for the least quantity of money.

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If a shift in the price of mayonnaise results in a rise in the consumption of miracle whip, then:_____.

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If a shift in the price of mayonnaise results in a rise in the consumption of miracle whip, then the demand curve for miracle whip will shift forward.

Mayonnaise and miracle whip both are the substitutes of each other.

When the price of a substitute good increases, the quantity demanded for that good decreases, but the demand for the good that it is being substituted for increases. As in the case  with the rise in the price of mayonnaise the consumption of the miracle whip risen.

In microeconomics, two goods are substitutes if the products could be used for the same purpose by the consumers. That is, a consumer perceives both goods as similar or comparable, so that having more of one good causes the consumer to desire less of the other good.

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