TIPS change in price (principal balance) to preserve their actual worth when inflation rises as opposed to their yield growing.
Does inflation benefit the economy?Despite the fact that significant inflation is often viewed as bad, some economists claim that a little amount of inflation may actually promote economic growth. The opposite of inflation is deflation, which is a situation in which prices typically decline. The goal of the Federal Reserve's Consumer Price Index is to keep inflation around 2%. (CPI).
What is the source of inflation?Inflation is the term used to describe when prices during an economy rise or when the purchasing power of money declines. According to economists, a number of variables, such as a rise in the money supply, higher wages, and increased aggregate demand, may contribute to inflation.
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what does stiglitz argue about globalization? what does he see as the strengths and weaknesses of globalization? how does stiglitz view the work of international financial institutions such as the imf or world bank especially during the washington consensus period? what is his critique of these organizations?
According to Stiglitz, depending on how it is managed, globalization may succeed or fail.
What does Joseph Stiglitz believe in?Success, according to Joseph Stiglitz, occurs when national governments manage it by embracing the unique traits of each nation. When it is governed by global organizations like the IMF, it fails. Finance ministers and bank governors, who have formulated policies that benefit the financial sector, are said to be in charge of the IMF, according to Stiglitz.
In addition, the "Washington Consensus," a collection of policies that promotes "stabilization, liberalization, and privatization" of the economy, is harmful since it places a strong emphasis on deregulation. Instead, policies should aid nations in creating "the proper regulatory system." In the end Stiglitz adds that, a stronger commitment to democratic principles by the Bretton Woods Institutions.
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what are the main differences between petrol and diesel engines in terms of emissions and engine management control strategy?
The major difference between these two is how energy is created. Before the fuel is introduced in diesel engines, the air is compressed. Gas and air are combined, compressed, and ignited in petrol engines. Of course, the type of fuel utilized is another variation.
What is the difference in auto exhaust emissions from a petrol Fueled engine and a diesel Fueled engine?
Compared to petrol engines, diesel engines produce less CO2 and other greenhouse pollutants. This occurs as a result of the specific fuel and the diesel engine's internal efficiency. More particular, diesel engines perform better than petrol engines because the fuel they utilize has a higher compression ratio.
The thermal efficiency of diesel engines, or the amount of work that can be anticipated to be produced by the fuel put into the engine, is one of the most significant distinctions between gas and diesel engines. A diesel engine has a thermal efficiency advantage over a gas engine of roughly 20%.
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When a firm sets out to analyze, plan, implement, and control sales force activities, it is undertaking ________.
A) marketing design
B) sales force management
C) team selling efforts
D) co-op selling and advertising
E) promotional objectives
When a firm sets out to analyze, plan, implement, and control sales force activities, it is undertaking sales force management. Option B
What is sales force management?Some sales and sales force management tasks can be automated with the use of Salesforce management systems, which are information systems used in customer relationship management marketing and administration. When integrated with a marketing information system, they are frequently referred to as CRM systems.
The creation of a sales force, which entails the coordination of sales operations, training, and the use of sales techniques, is what leads to the accomplishment of sales goals and objectives. The success of your company depends on your sales force management approach.
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Tivola Corp. manufactures kitchen appliances. They used to send their products to a distributor, but have decided to expand and now become their own distributor. This is an example of horizontal integration. True False
True: it is an example of horizontal integration.
Acquisition of a company that produces or provides comparable goods or services and operates at the same level of the value chain as the target company is known as horizontal integration. As opposed to vertical integration, which involves businesses expanding into activities upstream or downstream that are at various stages of production, Horizontal integration is a business technique that can help companies grow their market or enter new markets, strengthen market power over distributors and suppliers, improve product differentiation, and provide economies of scale.
Two companies may be able to generate more income through a merger than they could have done separately.
Although customers frequently lose out when horizontal mergers are successful, especially if they lessen competition.
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in the spot market, 7.8 pesos can be exchanged for 1 u.s. dollar. a pair of headphones costs $15 in the united states. if purchasing power parity holds, what should be the price of the same headphones in mexico
Purchasing power parity holds, the price of the same headphones in Mexico is 1$ = 7.8 Mexican.
What is the Purchasing?A corporation or organization uses 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 purchase procedure falls under the purview of purchasing. In order for manufacturing and sales to proceed smoothly, it secures the supply of commodities, production materials, and equipment. For this, the proper commodities must be purchased at the proper time and in the proper quantity.
Buying is often more transactional and focused on the near term. It entails activities including placing orders, creating purchase orders, receiving,
Therefore, Purchasing power parity holds, and the price
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your economics professor offers 10 points extra credit if you attend a review session before your next exam. this extra credit is an example of
An incentive to attend the review session would be this extra credit. your economics professor offers 10 points extra credit if you attend a review session before your next exam
Which of the following is an illustration of an economic statement that is favorable?Using a positive economic statement as an example: "Healthcare given by the government raises public spending." There is no value judgment associated to this factual statement.
Why do economic concerns and problems exist in general?The economic challenge, or the challenge of making the best use of finite or restricted resources, affects all cultures. Although humans have limitless needs and wants, there is an economic difficulty because there are only so many resources that can be used to fulfill those needs and wants.
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individual account information is removed from your credit report seven years after the last activity on the account, except for chapter 7 bankruptcy, which stays on your credit report for:
An individual account information is removed from your credit report seven years after the last activity on the account, except for Chapter 7 bankruptcy, which stays on your credit report for 10 years.
For how long before information is removed from your credit report?All late payments will remain on the credit report for seven years. The 7 year rule is based on when the delinquency occurred. Whether an entire account will be deleted is determined by whether you brought the account current after the missed payment.
If such account was brought as current, the late payments that have reached seven years old will be removed but the rest of the account history will remain. So, this is the practice except for except for Chapter 7 of bankruptcy, which stays on your credit report for 10 years.
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A ________ is a network of activities, repositories, roles, resources, and flows that interact to accomplish a business function.
A business process is a network of activities, repositories, roles, resources, and data flows that interact to accomplish a business function.
What does a business consist of?A business is an organization or enterprising body that engages in commercial, industrial, or professional activities. Businesses can be nonprofit organizations or for-profit enterprises. Among the various business structures are partnerships, corporations, limited liability companies, and sole proprietorships.
Why is business so important?Business has a huge impact on our lives. They begin by creating goods and services to satisfy our needs and wants. Following that, they hire homes as employees and provide them earnings, salaries, and perks. Consequently, it turns into a source of income for them that they can use to support their way of life.
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The last day on which an owner of an option can elect to exercise is the _____ date.
A.
ex-payment
B.
ex-option
C.
opening
D.
expiration
E.
intrinsic
The expiration date is the last day an option owner has to decide whether to exercise.
When can you take advantage of your option?An American-style option holder has the flexibility to use their right at any time to buy (in the case of a call) or sell (in the case of a put) the underlying shares of stock. A European-style option holder can only use their privilege at expiration.
What distinguishes the two terms expiry date and expiration date?The definition of "expiration" is "the ending, termination." However, the dictionaries go on to say that it is specifically used to denote the end of a time or period established by law. "Expiry" is also described as the end or termination.
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el capitan foods has a capital structure of 40% debt and 60% equity, its tax rate is 35%, and its beta (leveraged) is 1.25. based on the hamada equation, what would the firm's beta be if it used no debt, i.e., what is its unlevered beta, bu?
The unlevered beta is 0.9
Data provided in the question:
Debt = 40% = 0.4
Equity = 60% = 0.6
Tax rate = 35% = 0.35
levered beta = 1.25
Now,
Using the Hamada equation
Levered beta = Unlevered beta × [ 1 + (1 - tax rate) × Debt-equity ratio ]
Thus,
1.25 = Unlevered beta × [ 1 + (1 - 0.35 ) × ( 0.4 ÷ 0.6 )]
or
1.25 = Unlevered beta × [ 1 + 0.65 × ( 0.4 ÷ 0.6 )]
1.25 = Unlevered beta × 1.433
or
Unlevered beta = 0.872 ≈ 0.9
Hence,
The answer is 0.9
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from 2009 to 2011, the economies of australia and switzerland suffered relatively mild effects from the global financial crisis. at the same time, many countries in the euro area were hit hard with high unemployment and burdened with unsustainably high government debts. how should this affect the euro/swiss franc and euro/australian dollar exchange rates? a. exchange rates will not change because the eu and the countries under discussion have fixed exchange rates. b. the currencies will depreciate relative to the euro because demand for the swiss franc and australian dollar will rise. c. the currencies will appreciate against the euro because the demand for euro-denominated assets will decrease. d. the answer is uncertain as other factors may influence the exchange rates of these currencies.
The Financial Crisis of 2008–2009 in Numbers
8.8 million jobs were lost, the unemployment rate reached 10% by October 2009, and there were 8.8 million foreclosed homes.
6. Household wealth lost $19.2 trillion4.
Why do financial crises occur?Systemic breakdowns, unexpected or uncontrollable human behavior, incentives to take on too much risk, regulatory absence or failures, or contagions that amount to a virus-like spread of issues from one institution or country to the next are all contributing reasons to a financial crisis.
True or false: As the value of the dollar declines, foreign items become more expensive for Americans to buy.Domestic consumers and visitors will purchase more as the value of the US dollar declines since domestic items will be more affordable and imported goods will be more expensive.
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The right answer is C. Because there will be less demand for assets denominated in euros, currencies will appreciate versus the common currency.
What factors lead to unemployment?There are numerous factors that originate from both the supplier side, or the worker, and the supply curve, or the employer, that contribute to unemployment. High interest rates, the world economy being in a recession, and the financial crisis might all affect demand. Layoff and structural employment are supply line contributors.
What are some unemployment solutions?To lower unemployment, industrial activity must be decentralized. The number of employment prospects in underdeveloped areas will decrease if industrial operations are concentrated in one location. Therefore, the government should implement such measures that support the decentralization of economic activity.
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The difference between the maximum price consumers are willing and able to pay for a good or a service and the price they actually pay is the consumer.
Customer surplus, also known as the market price or the price consumers actually pay for a good, is the discrepancy between the highest price a consumer is prepared to pay and the amount they really do pay.
Is the gap between the highest price that customers will spend and the lower equilibrium price?Consumer surplus A. is the difference between the higher equilibrium price and the highest price consumers are willing to pay for a good.
Is defined as the difference between the asking price for a product and the highest price the consumer is willing to pay.The difference between the highest price a consumer would be willing to pay for a product and the lower amount they actually paid is known as the consumer surplus. A producer's surplus is the difference between the lowest price they will accept for a good and the higher price they actually get.
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Suppose you invest equal amounts in a portfolio with an expected return of 16 percent and a standard deviation of
returns of 18 percent and a risk-free asset with an interest rate of 4 percent. Calculate the expected return on the
resulting portfolio.
10 percent is the expected return on the resulting portfolio.
How do you calculate the expected return?The expected rate of return is calculated by dividing the expected rate of return for each asset by the weight of that item in the portfolio. The findings are then added together. As a formula, we obtain:
ERR = R1 x W1 + R2 x W2
Expected return
= 0.5(16) + 0.5(4)
= 8 + 2
= 10%.
What is meant by expected return?The amount of profit or loss an investor might expect to experience as a result of an investment is known as the expected return. When calculating an expected return, potential outcomes are multiplied by the likelihood that they will occur before being added together. Return expectations cannot be guaranteed.
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A company is setting its direct materials and direct labor standards for its leading product. Direct materials cost from the supplier are 59 per square foot, net of purchase discount. Freight-in amounts to S0.40 per square foot. Basic wages of the assembly line personnel are $14 per hour. Payroll taxes are approximately 21% of wages. Benefits amount to $2 per hour. How much is the direct materials cost standard per square foot? O A. $16.00 OB. $9.40 OC. $9.00 OD. $25.00
The per square foot direct material cost is $25.00.
How do you calculate the direct materials cost?The following equation is used to determine the direct labor standard:
Basic pay plus payroll tax is the direct labor norm.
This is equivalent to:
Basic wages plus 22% of Basic wages is the direct labor norm.
Basic pay is $20 per hour.
Payroll tax equals 22% (0.22 of the base salary).
As a result, we have:
Putting the values in the equation as substitutes:
Direct labor norm is $20 plus $0.22 times $20, or $20 plus $4.
$25.00 is the direct materials cost.
What does "direct material cost" mean?The price of the components and raw materials needed to make a product is referred to as the direct material cost. The finished item must make the materials evidently identifiable (otherwise they are considered to be joint costs).
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tom wants to buy a dishwasher. he consults his friends and looks online for good offers and sales. in the context of the activities included in the consumer decision-making process, tom is engaged in .
Before Tom buy a dishwasher, he consults his friends and looks for good offers and sales online. Tom is engage in information research activity in the consumer decision making process.
Consumer Decision Making Process consists of step of activites a consumer to evaluate making his buying decision. Consumer Decison Making Process includes 5 steps, such:
Problem recognitionInformation searchAlternative evaluationPurchase decisionPost-purchase evaluationA consumer will need to recognize a need or problem before deciding to purchase a product. A consumer needs to recognize what he want to be able to decide the direction of his next step in decision making process.
A consumer then seach for informations about the products which can satisfy his needs. The products related information might be gathered from recommendations or promotional informations.
After gathering enough information, a consumer might have some alternatives of products that potentially able to satisfy his needs. A consumer then will evaluate each possible alternative based on developed criteria he made. The developed criteria of a consumer will be subjective to him only and may differ from other person.
After evaluate and eliminating unwanted alternatives, a consumer comes up with one particular product he surely wants to buy. At this moment, a consumer is purchasing the product. A consumer believes that the product he chose to buy is the best option he has to satisfy his need.
After a consumer bought a product, he will evaluate the post-purchase product wheter the product was usefull and satisfy his needs or not. A consumer will evaluate wheter the product meets his expectation or not.
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empire airlines reports the following cost data for the year. the company flew 100 private flights during the year. a group has offered empire $11,000 for a private flight to chicago for its members. revenue $ 20,000 per flight wages, salaries, and benefits $ 7,000 per flight fuel and oil $ 4,500 per flight food and beverages $ 500 per flight depreciation $ 300,000 per year rent $ 250,000 per year (a) what is the contribution margin from accepting the offer? (negative amounts should be indicated with a minus sign.) (b) should the offer be accepted or rejected?
Empire Airlines' contribution margin on the trip would be if it accepts the offer, which is -$1,120
Contribution margin is calculated as:
= Revenue - Variable costs
The revenue the group is offering is $11,100.
The Variable costs are;
= Wages + Fuel + Food
= 7,100 + 4,600 + 520
= $12,220
The Contribution margin is:
= 11,100 - 12,220
= -$1,120
In conclusion, the contribution margin is -$1,120
What is contribution margin?The contribution margin demonstrates how much extra money is made by producing each additional unit of a product once the business has achieved the breakeven threshold.
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which resembles the u.s commercial paper market allows borrowers to issue their own short term eiuronotes
Euro commercial paper resembles the US commercial paper market allows borrowers to issue their own short term euro notes.
What exactly is Euro commercial paper (ECP)?Euro commercial paper (ECP) is commercial paper denominated in a currency other than the domestic currency of the market where the paper is issued. International firms use ECP to raise short-term funding to fund day-to-day operations, with notes due in days or weeks. ECPs are an ideal source of funding for global institutional investors since borrowers prefer to acquire financing at the lowest possible cost of borrowing. Euro commercial papers are typically issued in $100,000 denominations, with a minimum investment of $500,000.
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ravi works for a small company. the company owner makes all strategic decisions and manages the day-to-day operations. ravi's company has a
In a scenario where Ravi works for a small business where the owner oversees daily operations and makes all strategic decisions,
Which organizational model divides workers into groups according to their specialties, such sales and human resources, using domain expertise?Based on their areas of competence, this organization divides the workforce into functional sectors. These functional domains, such operations, research and development, and marketing and sales, frequently correspond to steps in the value chain.
how the culture of an organization affects how employees behave?When a culture is strong, it encourages employees to act in ways that uphold the firm's values and culture, whether those ways are positive or negative. Through both formal and informal organizational structures and procedures, strong ethical cultures are recognized to affect employees' commitment to and behavior in an ethical manner.
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when the annuity contract has been fully surrendered, how will the surrender charges affect the final contract settlement
The final contract settlement will be lessened if an annuity contract has been entirely surrendered.
What is the definition of "annuity contract surrender"?You can exchange all or a portion of your annuity when you surrender it for its cash value prior to the end of the annuity contract period. Or, to put it another way, you lose your annuity if you take early withdrawals. There is a price you must pay for this.
When an annuity is given up, what happens?You will at the absolute least need to pay income taxes on the taxable amount you get when you surrender an annuity. The year that you actually get the funds is when these are due. In addition to your standard income tax, you may also owe the IRS other taxes.
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robinson crusoe divides his time between catching fish and gathering fruit. part of his production possibilities frontier is given in table 1. mr. crusoe, while lonesome, is efficient and always stays on his ppf. mr. crusoe is consuming 20 pounds of fish. then he decides to slowly become a vegetarian and decrease his consumption of fish to 9 pounds. this decision means that mr. crusoe will a) incur an opportunity cost of 9 pounds of fruit. b) incur an opportunity cost of 20 pounds of fish. c) be able to enjoy a gain of 9 pounds of fruit. d)incur an opportunity cost of 9 pounds of fish.
This decision means that Mr. Crusoe will incur an opportunity cost of 9 pounds of fruit.
Cost is generally the monetary value of goods and services purchased by producers and consumers. In a basic economic sense, the cost is a measure of the alternative choices we give up in choosing one good or activity over another.
The two basic costs that businesses incur are fixed and variable costs. Fixed costs do not change with performance, while variable costs do. Fixed costs are sometimes called overhead costs. It happens whether the company produces 100 products or 1,000 products.
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You make $443 per week, and have claimed five exemptions. How much money will be withheld from you in a year? a. $2,392 b. $2,288 c. $2,756 d. $2,858 please select the best answer from the choices provided a b c d.
If you make $443 per week, and have claimed five exemptions then the money withheld from you in a year would be 2392$.
Describe an exemption example.Special authorization to do nothing or pay nothing: Candidates with degrees in chemistry are excused from taking this course. If a company only conducts charitable activities, it might be eligible for income tax exemption. Her husband's request for exemption from military service was being supported by a friendly doctor.
Is it preferable to request exemptions or not?You won't pay any less in taxes if you file for exemption from withholding. When you submit your taxes the next year, you must pay the whole tax amount if you have unpaid debt yet declared yourself exempt. Additionally, if you don't withhold, the IRS may impose additional fines.
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Answer:
a
Explanation:
question content area top part 1 if the consumer gets 40 utils from consuming four cds, 45 utils from consuming five cds, and 48 utils from consuming six cds, then the consumer's marginal utility is: question content area bottom part 1 a. increasing. b. constant. c. decreasing. d. increasing at an increasing rate.
If a consumer consumes four CDs for 40 utils, five CDs for 45 utils, and six CDs for 48 utils, then the customer's marginal utility from the fifth CD is 5 utils.
What is marginal utility?Utility in economics is the pleasure or advantage gained from using a good or service. What customers enjoy or find satisfying as a result of increasing or decreasing their consumption by one unit is referred to as the marginal utility of a good or service. Marginal utility comes in three flavors. The marginal utility might be positive, negative, or zero. Therefore, buying pizza will increase your marginal utility. The second piece, though, leaves you feeling full, and a third piece would not make you feel any better. The law of declining marginal utility, which outlines how the first unit of consumption of a certain commodity or service gives more utility than the second and subsequent units, is a theory put forth by economists in relation to cardinal utility.
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Because this market is a monopolistically competitive market, you can tell that it is in long-run equilibrium by the fact that______ at the optimal quantity for each firm. Furthermore, a monopolistically competitive firm's average total cost in long-run equilibrium is________ the minimum average total cost.
Prices and production methods are completely under the control of monopolistic competition. The government's backing causes the frequency.
What distinguishes the short-run from the long-run in a market with monopolistic competition?In a monopolistically competitive market, the difference between the short and long runs is that new firms can enter the market in the long runs, which is particularly plausible if firms are making positive economic profits in the short runs. In the long run, new businesses will be drawn to these profit prospects and decide to enter the market. In contrast to a monopolistic market, a monopolistically competitive market lacks entry barriers, making it relatively simple for new enterprises to enter the market in the long run.
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what are hendricks's tax consequences on the grant date, the exercise date, and the date mark sells the shares?
The sale date since the options are ISOs or the date Mark sells the shares if the marginal tax rate is 21%.
What is fair value as of grant date?The term "Grant Date Fair Market Value" refers to the mean of the high and low values of publicly traded Shares on the national exchange where the Shares are listed on the day the Restricted Units are granted.
When do the grant and exercise dates occur?Date of exercise: When stock options are used to buy stock at the grant price. see "Grant Price" for the exercise price. The grantee receives stock options on the grant date. Grant price: The cost to the employer of shares acquired by an employee through the exercise of options.
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question content area a current liability is a debt that is reasonably expected to be paid a.between 6 months and 18 months b.within 1 year c.out of currently recognized revenues d.out of cash currently on hand
A current liability is a debt that is reasonably expected to be paid within 1 year. The Option B is correct.
What is current liability?In accounting, a current liability refers to a debt that a company must pay back in full within 12 months. A business does records its current liabilities on its balance sheet before long-term liabilities.
A current liabilities usually appear first because long-term liabilities are due in more than 12 months. Common current liabilities includes short-term accounts payable, accrued payroll payments, short-term debts, dividends payable, accrued taxes etc.
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a supplier that controls critical worker skills and technical know-how holds which type of power over their lead firm?
A supplier who has informational control over key employee competencies and technical know-how has an advantage over their lead company.
Are suppliers buyers or sellers?A provider is a company that offers other companies large quantities of products and services. Additionally, suppliers have the option of producing their own products or buying them from a producer. Their objective is to sell specialty goods to other companies, such vendors, who will then resale the products.
Who qualifies as a supplier?A supplier is referred to as a company or someone who provides goods to another company or service. Suppliers, who solely engage in business-to-business interactions and deliver items to manufacturers in sizable quantities, are regarded as the initial step of the supply chain.
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As firms simultaneously downsize and face the need for increased coordination across organizational boundaries, a control system based primarily on boundaries and constraints would be
Multiple Choice
a. effective.
b. dysfunctional.
c. recommended.
d. ideal.
Dysfunctional is the right answer choice.
This happens as a result of the organization's lack of coordination and control over its personnel. This might simultaneously result in the organization's workforce being reduced.
A dysfunctional family is one in which there is constant conflict, poor conduct, frequent child neglect or abuse, and occasionally even all of the above on the part of individual parents, prompting other family members to put up with such behavior.
The main cause of dysfunctional families is usually two people, one of whom is usually outwardly abusive and the other is codependent. Substance abuse, other types of addiction, and occasionally untreated mental illness may also have an impact. Parents who grew up in an unhappy household may overcorrect or act like their own parents. When one parent abuses or neglects their children, the other parent may follow suit.
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Which unique feature of e-commerce is related to the ability to interact with web technology everywhere?.
Ubiquity is the unique feature of e-commerce is related to the ability to interact with web technology everywhere.
What can you say briefly about e-commerce?The phrase "e-commerce," often known as "electronic commerce," is used to refer to all online activities, including the buying and selling of goods and services. Therefore, the process of conducting business online is known as e-commerce.
What is e-commerce and how does it work?Online purchasing and selling of goods and services is known as e-commerce. Customers that shop online or at an online store employ electronic payments. After receiving payment, the seller sends the goods or provides the service.
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an export is a good or service: sold to a domestic buyer. purchased from a foreign seller. purchased from a domestic seller. sold to a foreign buyer.
d). sold to a foreign buyer
What is export?
China, the United States, Germany, the Netherlands, and Japan were the top five exporting nations in terms of dollars in 2019, according to research firm Statista.
China reported exports of goods totaling about $2.5 trillion, mainly machinery and electronic equipment. The majority of the $1.6 trillion in exports from the US were capital goods. made up the majority of Japan's exports, which totaled about $705 billion, as well as Germany's, which totaled about $1.5 trillion.
In the twenty-first century, there has been a significant increase in demand for Kentucky bourbon and American bourbon in general on the international market.
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thom draws a check, on his account in state bank in new york, payable to digital computers, inc., in san francisco. digital deposits the check in its account at first national bank. first national deposits the check in the federal reserve bank of san francisco, which transfers it to the federal reserve bank of new york. that federal reserve bank sends the check to state bank. refer to fact pattern 27-2b. when digital's bank received the check, it was required to pass it on
The depository banks, according to the declaration, is First Financial Institution, the bank of Digital Media Inc.
An account with examples are what?An account in accounting is a general ledger entry use to categorize and record transactions. For instance, businesses will be given a Cash flow where they may record each transaction that raises or decreases the amount of cash they have on hand.
What are the many sorts of accounts?Real, personal, and nominal accounts are three distinct kinds of accounts used in accounting. Two two types of real account are then determined: tangible real account and intangible real accounting. Personal accounts also come in three major subtypes: Natural, Representative, & Artificial.
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