If you are in a situation where a blocked number calls and says you are late on a bill payment and that you should pay to avoid it doubling, you should call the Federal Trade Commission.
Which department handles email scams?The Federal Trade Commission (FTC) handles cases related to check and other scams and so you should call them if such a call is made to you.
Be aware that there is no bill payment that will double in 24 hours and that the usage of a blocked number is not allowed to debt collectors. So this is a scam and you should lodge a complaint with the FTC.
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The concept of ___________ requires prayerful consideration of what god is asking us to keep for the future.
The concept of saving requires prayerful consideration of what god is asking us to keep for the future.
Saving money gives you a way out of the uncertainties of life and provides you with an opportunity to enjoy a quality life. Thus, putting aside a sum of money for future in a systematic manner can help you steer out of many hurdles and obstacles in life.
Saving money for emergencies, short-term goals and long-term goals are all important. Saving money is important because it allows you to build wealth. Wealth in turn helps you to make more money.
Hence, the concept of saving requires prayerful consideration of what god is asking us to keep for the future.
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What should designers gain from a critique that will enable them to improve their work?
A designer gains a list of actionable items to improve the design from the critique.
As we know that critique in a positive manner blows up positivity. Through that, the designers improve their designs according to the fashion and the requirement of consumers. Consumers most probably like to induce new fashion in accordance with the time. During the critique, actionable products are used to improve the product and improve their work.
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What is amazon's wacc? note: amazon does not have r preferred stock. apply the capm to estimate the cost of equity using the expected market return and risk-free rate from the walmart wacc estimate
The amazon WACC is 11.62
CAPM method,
ke = Rf +\beta (Rm-Rf)
Where,
Ke = Cost of Equity
Rf = Risk-free rate is the risk-free rate used has been the short-term 3-month rate (13-week) Treasury bill rate.
Beta = calculated as the slope of the regression line (given)
Rm = expected market return that is historically used since 1926.
Ke= 0.11+1.1634(10-0.11)
Ke= 11.62
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The relative desirability of real estate as compared to other goods and services increases when?
The relative desirability of real estate as compared to other goods and services increases when long-term interest rates are declining.
The principle of change acknowledges the dynamic nature of real estate markets. In real estate, the change influences not best individual properties, but also neighborhoods, groups, and areas. The consequences of prospective trade are contemplated in the market. alternate is basically the law of motive and impact.
Real estate is actual assets that includes land and enhancements, which consist of homes, furnishings, roads, systems, and utility systems. belongings rights deliver a identify of possession to the land, enhancements, and herbal resources which include minerals, plants, animals, water, and so on.
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The ______ occurs in first-come-first-served scheduling when a process with a long cpu burst occupies the cpu.
a) dispatch latency
b) waiting time
c) convoy effect
d) system-contention scope
The correct option is an option (c), i.e., convoy effect
What is meant by Convoy Effect?
The Convoy Effect is a phenomenon when a few slower system operations cause the entire Operating System to sluggish down. The FCFS method ensures that other processes only receive CPU time when the current one is done when CPU time is allocated to a process.
What is the reason of Convoy Effect in FCFS algorithm?
Being non-preemptive by nature, the FCFS algorithm only allows for the allocation of CPU time to subsequent processes once the current process has been completed. Convoy Effect occurs as a result of this FCFS scheduling characteristic.
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What monetary policy tool does the fed use to control the amount of nonborrowed reserves?
The monetary policy tool the fed use to control the number of nonborrowed reserves is open market operations.
Monetary policy is a set of actions to control a nation's normal cash supply and acquire monetary increase. financial coverage techniques include revising interest fees and converting financial institution reserve requirements. monetary policy is commonly categorized as both expansionary and contractionary.
monetary coverage is the coverage adopted through the economic authority of a kingdom to govern both the interest fee payable for extremely short-time period borrowing or the cash supply, regularly as an attempt to lessen.
The desires of monetary policy are to promote maximum employment, solid fees, and slight long-time period hobby fees. by using imposing powerful financial coverage, the Fed can keep strong expenses, thereby supporting conditions for the lengthy-term economic increase and most employment.
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What is antonio's marginal utility from consuming the fifth beer? a) 4 utils b) 13.6 utils c) 69 ut
The marginal utility from consuming the fifth beer a) 4 utils
Marginal utility from fifth beer
= total utility from fifth beer - total utility from 4th beer
= 69 - 65
= 4 utils
Marginal utility is the enjoyment a consumer gains from each additional unit they eat. It calculates utility past the first product fed on (the marginal quantity). For example, you may buy an iced doughnut. On the flip, you acquire a positive degree of utility or delight from it.
In economics, the software is the delight or gain derived by way of ingesting a product. The marginal utility of an excellent service describes how much pride or satisfaction is won or lost by means of clients because of the increase or decrease in intake via one unit. There are 3 types of marginal software.
Application is the pride someone derives from the intake of a great or carrier. General software is the full delight acquired from eating a given overall amount of terrific service, while the marginal utility is the satisfaction won from eating a further amount of that object.
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4. Throughout life, most people will experience many different parts of the employment process. Examine and explain the steps that occur in the early stages of employment, such as the steps in the job application process (including references and proper documentation), and how one might prepare for explaining gaps in employment in a job interview.
The steps that occur in the early stages of employment, such as the job application steps and preparing for a job interview, can be arranged in the following order:
Assessment of recruitment and selection needsAssembly of the personnel request documentSetting up the recruitment and selection planJob descriptionAdvertising in channels aligned with potential candidatesReach through headhunters and recruitersPreparing the interview processInterview with the candidateWhat is the importance of human capital in an organization?Nowadays, where there is a great increase in competitiveness, organizations are able to stand out through innovative ideas coming from their team, which generate market positioning, reliability and the creation of an organizational culture focused on development, cooperation and creativity.
Therefore, in the recruitment and selection process, the HR department must prepare a strategic hiring plan to reach professionals aligned with organizational needs and values, while the professional must prepare for the interview process by knowing about the company and the characteristics of the job.
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For disability income insurance purposes, ______ means that a proportionate benefit is paid to an insured whose earned income is reduced because of a disability. A) accidental disability B) residual disability C) temporary disability D) nonoccupational disability
For disability income insurance functions, nonoccupational incapacity means that a proportionate gain is paid to an insured whose earned profits are reduced due to a disability.
Insured income means all profits of someone from which nation social insurance contributions were calculated and must be paid according to the technique laid down by way of this law in addition to calculated sickness, maternity, paternity, maternity (paternity), vocational rehabilitation kingdom social insurance
Enterprise earnings coverage, sometimes called commercial enterprise interruption insurance, allows cowl the loss of business earnings if you cannot function due to a covered peril. blanketed causes of loss can encompass such things as the heart. robbery.
The ready duration is the time you should be off work due to infection or harm to turn out to be eligible for an income safety benefit charge. In maximum instances, contributors have a 90-day ready period (that is the default waiting length), until they formerly implemented to change this to a 30– or 60-day ready duration.
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The legal document that describes the rights and obligations of both the bondholders and the issuer is called the bond.
The legal document that describes the rights and obligations of both the bondholders and the issuer is called the indenture bond.
What is meant by indenture?A legal and binding agreement known as an indenture is frequently related to bond deals, real estate, or bankruptcy. A thorough description of the terms, conditions, and covenants can be found in an indenture.
Who is bondholder?A bondholder is a buyer or the owner of debt instruments, which are frequently issued by governments and enterprises. In essence, bond issuers are borrowing money from bondholders. When bonds mature, bondholders are reimbursed for their initial investment, or principle.
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Increases in equity that result from providing products or services to customers are called:______.
Increases in equity that result from providing products or services to customers are called revenue.
What is revenue?In accounting, revenue can be regarded as the total amount of income that is been generated by the sale of goods as well as services by the company.
This is been related to the primary operations of the business, it should be noted that Commercial revenue serves as the sales or as turnover by the company , however, Some companies receive revenue from interest, hence , Increases in equity that result from providing products or services to customers are called revenue.
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Help ASAP please
The Federal Reserve Bank lowered the required reserve ratio to 0% across the board in 2020. Explain the potential reasoning behind this lowering to 0% and its intended effect on the economy.
The reasoning behind lowering the required reserve ratio to 0% is to increase the money supply. The intended effect is to boost production activities.
What is an expansionary monetary policy?
Expansionary monetary policy are polices taken to increase money supply. When money supply increases, aggregate demand increases and this boosts production.
Reducing the required reserve ratio and open market purchase are ways of carrying out expansionary monetary policy
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1. how does critical thinking relate to peer assessment? what strategies from this week can you apply when you assess written assignments?
The critical thinking process includes the deep thinking process which involves deep insights into the assessment so that both the drawbacks and the benefits of the assessment process can be made easily. In addition to this, the critical thinking process helps the assessors to critically evaluate the students in order to identify their drawbacks and skills so that proper feedback to be given to them in order to cultivate the best values within the students. Thus critical thinking process helps in the best assessment process.
Critical thinking is the analysis and judgment of available facts, evidence, observations, and arguments. The subject is complicated. There are several different definitions, which generally involve a reasonable, skeptical, and unbiased analysis or evaluation of factual evidence. Critical thinking is self-directed, self-disciplined, self-monitoring, and self-correcting thinking. This means accepting strict quality standards and consciously mastering their application. It includes effective communication and problem-solving skills, as well as a commitment to overcome native egocentrism and sociocentrism.
Critical thinking is the active and skillful conceptualization, application, analysis, synthesis, and synthesis of information gathered or generated from observation, experience, reflection, reasoning, or communication as a guide to beliefs and actions. It is an intellectually trained process of evaluating and/or evaluating.
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A(n) ______ ensures workers are conscious of security risks and how to deal with unexpected risk.
A security manager ensures workers are conscious of security risks and how to deal with unexpected risk.
What is the role of security manager?
Security managers supervise staff members who develop and configure security measures and deal with complex IT security challenges. Their responsibilities also include selecting and ordering new security tools and technologies, creating and managing budgets, and hiring new workers.
What is the main purpose of security management?
At the strategic, tactical, and operational levels, effective information security measures have to be implemented through security management. Information security serves the needs of the business or organization; it is not an end in itself.
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I NEED THIS ASAP PLEASE
Understanding wealth and how to continuously add to it is another way of__________.
A. Accumulating wealth
B. Generating Positive Cash Flow
C. Protecting What you Have
D. Comparing the Potential Gains and Losses
B. Accumulating Wealth. It is the way to understand and continuously add to the wealth.
What is Wealth/Income?Wealth or income is the amount that is earned by individuals, the income is earned in many different ways for example an individual can have a business to earn the income, or an individual can have a job that is salary based. Wealth is the other name of income.
Another method of earning and increasing wealth is Interest Income, when an amount is deposited with a financial institution the amount is added with the interest income.
Interest income is calculated on the interest rate, interest rate is the market rate in the prevailing economy. Income can be earned more by working hard and there are many ways to earn income and it is the goal of all the individuals to grow their wealth.
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Explain how scarcity in resources or inputs of production affects the production of goods and services.
Scarcity in resources or inputs of production affects the production of goods and services very badly. It limits the production means scarcity restricts the producer to make unlimited products. Sometimes producer has to make hard choice that which product he should give priority for production among multiple products from limited resources.
In total scarcity in resources or inputs of production leads to less supply of products or services in the market which also effects consumers as they also have to make hard choice which product or service should they buy. In scarcity, demand of goods and services is greater than its supply.
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__________ is something valuable that a lender would have a right to________________ if the loan is not repaid
Collateral is something valuable that a lender would have a right to seize and sell if the loan is not repaid.
The purpose of having a lender requires a borrower to pledge collateral in alternative to a loan is to offer the lender something precious that already belongs to the borrower, often property or equipment, which that lender would have a right to capture and promote if the loan isn't repaid.
Collateral is simply an asset, which includes an automobile or home, that a borrower gives up as a manner to qualify for a particular mortgage. Collateral could make a lender greater secure in extending the mortgage since it protects their monetary stake if the borrower in the end fails to pay off the loan in full.
A loan is a type of debt incurred via a person or other entity. The lender—generally a business enterprise, financial group, or authorities—advances an amount of money to the borrower. In return, the borrower has the same opinion of a positive set of terms together with any finance costs, interest, repayment date, and other conditions.
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When a firm creates a global web of value creation activities, the company disperses different stages of the value chain to those locations in the world where perceived value is maximized or where the costs of value creation are minimized. True or false?.
True. The creation of a global web of value creation activities involves different stages of the value chain being dispersed to those locations around the globe where perceived value is maximized or where the costs of value creation are minimized.
What is value chain?A value chain is a series of activities carried out by a company in a certain industry in order to deliver a valuable product to the end customer.
The value chain framework includes five core activities: inbound operations, operations, outward logistics, marketing and sales, and service, as well as four auxiliary activities: procurement and purchasing, human resource management, technical development, and firm infrastructure.
Value chains aid in increasing a company's efficiency, allowing it to provide the most value at the lowest feasible cost. The ultimate purpose of a value chain is to give a company a competitive edge by boosting productivity while keeping costs low.
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Responses such as winning, displaying anger, and retaliating are considered _____ responses to conflict.
Responses such as winning, displaying anger, and retaliating are considered destructive and active responses to conflict.
What is conflict?Conflict can be regarded as the disagreement between two or more parties, which can lead to serious issues such as abuse as well violence.
It should be noted that Responses such as winning, displaying anger, and retaliating are considered destructive and active responses to conflict.
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When making a volume trade-off decision, managers should ignore ______. Multiple choice question. fixed costs contribution margin variable costs
When making a volume trade-off decision, managers should ignore fixed costs.
The term fixed costs refers to a cost that does not exchange with growth or lower within the variety of goods or offerings produced or offered. fixed fees are charges that ought to be paid via an agency, impartial of any particular commercial enterprise activities.
In accounting and economics, fixed costs additionally called indirect prices or overhead charges, are business fees that aren't dependent on the level of products or services produced by way of the commercial enterprise. They have a tendency to be habitual, such as interest or rents being paid per month. those charges also have a tendency to be capital costs.
Fixed fees have a tendency to be fees that are based on time instead of the amount produced or sold by means of your business. Examples of constant costs are rent and rent charges, salaries, utility payments, insurance, and mortgage repayments. some varieties of taxes, like business licenses, are also fixed expenses.
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The Levi Company issued $200,000 of 12% bonds on January 1 of the current year at face value. The bonds pay interest semiannually on June 30 and December 31. The bonds are dated January 1, and mature in five years, on January 1. The total interest expense related to these bonds for the current year ending on December 31 is
24000, The total interest expense related to these bonds for the current year ending on December 31 is 24000 (12% of 200000)
More about bond interest expense:
Bond interest expense is the total amount of interest paid on the payable bonds of an organization during a reporting period. This cost includes the amortization of any premium or discount on bonds that were issued for the reporting period and based on the cost at which investors purchased them.
It should be rather simple to figure out the interest expense on a payable bond, but then the accountants got involved. Generally Accepted Accounting Principles, or GAAP, make what would normally be a straightforward multiplication problem a little bit more challenging.
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Reston had income of $204 million and average invested assets of $1,990 million. Its return on assets is?
Its return on assets is 0.1025.
Given,
Income = $204 million
Average invested assets = $1,990 million
Return on assets = Net income / total assets
= $204 million / 1,990 million
=0.1025
Therefore, Return on asset is 0.1025.
Return on assets (ROA) is a measure of how efficiently a company uses the assets it owns to generate profits. Analysts, managers, and investors use Return on assets to evaluate a company's financial health.
Net income is what the business has left over after all its expenses, including salary and wages, cost of the goods or raw material and taxes.
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If a company had its corporate headquarters in one city but its manufacturing plant in another, it would likely set up a(n)?
If a company had its corporate headquarters in one city but its manufacturing plant in another, it would likely set up a WAN.
A WAN or wide area network is defined as a computer network that connects smaller networks. A WAN is not tied to a specific location, allowing localized networks to communicate with each other over long distances.
The Internet is a WAN. A network of ATMs is a WAN. School networks are usually LANs. LANs are often connected to WANs. For example, your school's network may be connected to the Internet. WANs can be interconnected via the Internet, leased lines, or satellite links.
Because WANs consist of many systems, they tend to be less fault tolerant. It is usually owned, controlled, and managed by one person or organization. WANs (such as the Internet) are not owned by any organization, but are under collective or decentralized ownership and control and span long distances.
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Many managers believe that being empowered to create their own self- budgets is the most effective method of budget preparation. True or false?.
The above Statement is TRUE.
A self-imposed budget or participative budget is a budget that Many managers believe that being empowered to create their own self-imposed budgets is the most effective method of budget preparation.
What is Self-imposed budgets?Self-imposed budgets can also be called participatory budgets. These types of budgets assume that there was cooperation and participation from managers at all levels of the organization.
Self-imposed budgets give managers at all levels of an organization an opportunity to provide input into the budgeting process. Self-imposed budgets are prepared without consulting lower-level managers.
The advantages of a self-imposed or participatory budget can include:
The creation of a team environment where everyone knows their views and judgements are valued by company management.When a front-line manager assists in the preparation of their own budget, they have working knowledge and are able to more accurately estimate expenses for their area.When you, as a manager, get to prepare your own budget, you are more motivated to set goals that are attainable, yet challenging. There is a higher level of commitment when participation is involved.If you as a manager try to attain a goal set by someone else, especially if that someone does not know the intricate workings of your department, it can be easy to just say that the goals were unattainable.Learn more about Self-imposed budgets on:
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On the long-run aggregate supply curve, a. an increase in the price level increases the level of potential GDP. b. an increase in the price level increases the aggregate quantity of GDP supplied. c. an increase in the price level has no effect on the aggregate quantity of GDP supplied. d. an increase in the price level reduces the aggregate quantity of GDP supplied.
Option B is correct. In the long run in the aggregate supply curve, an increase in the price level increases the aggregate quantity of GDP supplied.
What is meant by aggregate supply curve?This is the term that is used to refer to the total output in a given economy which the firms in that economy are going to produce and also sell. This is otherwise referred to as the GDP of a particular area.
It shows what would happen to prices and nominal wages in the economy in the long run based on the facts that the prices are flexible. Hence we can say that In the long run in the aggregate supply curve, an increase in the price level increases the aggregate quantity of GDP supplied.
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To restore the balance between private and public goods, producers could be required to bear the full?
To restore the balance between private and public goods, producers could be required to bear the full social costs of their operations.
Social costs are the cost which are incurred by producers in social enterprise above and beyond ordinary business costs in order to fulfill its mission. It may also include private costs plus any external costs.
In the market, most of the time there can be variance between prices of private and public goods, so in order to restore the balance, the producers could be required to bear the full social costs of their operations. There is also a option where consumers are made to pay the social costs.
Hence, the answer is given and explained above.
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Protectionism is the use of trade barriers to protect local companies and their workers from?
Protectionism is the use of trade barriers to protect local companies and their workers from foreign competition.
Company Employee means any current or former employee or director (whether an employee or not), consultant or otherwise associated with the Company or any of its subsidiaries or any beneficiary of your Company. means a service provider (whether an employee or not) of Corporate Employee is defined in Section 3.18.
A worker can be a worker. Often, but not always, the term refers to someone engaged in a craft or trade. However, the term “Apple Inc.” has the same meaning as “employee.” has over 123,000 employees. ”
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What should company officers do to prepare for all types of training and instruction?
Record and document training results should company officers do to prepare for all types of training and instruction.
Planning, Organizing, Coordinating, and Directing Public Information and Fire Inspections. Addressing Citizen Complaints. Documentation and delivery of training.
A successful Administrative Officer acts as a point of contact for all staff, providing administrative support and handling their requests. Main duties include managing office inventory, preparing periodic reports (such as expenses and office budgets), and organizing company records.
There are many teaching models, but the most effective is the four-step teaching method. This model is used to create lesson plans and teach lessons and courses. Company executives can use this process for company-level training.
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You receive $100 today, $200 in one year, and $300 in two years. if you deposit these cash flows into an account earning 10 percent, the value in the account three years from now is?
Answer:
$628.49
Explanation:
Cash flows Discount factor Future value
$100 1.1449 $114.49
$200 1.07 $214
$300 1 $300
Future value $628.49
The discount factor is as follows
= (1 + interest rate)^number of years
For $100 the year is 2
For $200 the year is 1
For $300 the year is 0
If an investment company is trading in the market at a price that is higher than nav, this signifies that the fund is:_______.
This means that the fund trading at a top class will have a better rate than their similar NAV.
If the fund is in high demand and occasionally delivers, the marketplace charge will commonly exceed the NAV. If there's a low call for and plenty of delivery, the marketplace rate will generally decrease than the NAV.
A discount to internet asset fee refers to while the market charge of a mutual fund or ETF is trading underneath its internet asset value (NAV). a reduction to NAV is most customarily pushed with the aid of a bearish outlook on the securities in a fund.
if you are a brand new mutual fund investor you would really like to recognize what is NAV in mutual funds. NAV or internet Asset price is the unit price of a mutual fund scheme. Mutual finances are sold or offered on the idea of NAV.
The NAV (on a consistent with-share foundation) represents the price at which buyers should purchase or sell units of the fund. whilst the cost of the securities within the fund will increase, the NAV increases. when the fee of the securities in the fund decreases, the NAV decreases.
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