The size of the payments that must be deposited for the conditions of the future value given above will be $22,299.
The present value of a future annuity can be calculated using the generalized formula and set of provided information, and input of the values into the formula as shown in the computation below,
Present Value = Future Value [1/(1+r)^n]
Present Value = 120,000 [1/(1+0.054)^32]
Present Value = 120000 [1/(1.054)^32]
Present Value = $22,299
Therefore, the present value of the given information will be $22,299.
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consider a $5,000,000, 9%, cpm with monthly payments. what is the regular monthly payment and the balloon payment amounts in each of the following cases: (a) fully-amortizing, 30-year loan (b) 30-year amortization, 10-year balloon (c) 15-year amortization, 10-year balloon (d) what is the major disadvantage, and advantage, o
A) Fully Amortizing, 30-year loan.
The Fixed Monthly Payment is $40,231 in the first years and then your last balloon payment will be $49,97,269
B) 30-year amortization, 10-year balloon
The Fixed Monthly Payment is $40,231 in the first years and then your last balloon payment will be $44,71,487
Thus, the total repayment is $92,99,223 from which the total monthly payment is $48,27,736, including a total interest payment of $42,99,223.
C) 15-year amortization, 10-year balloon
The Fixed Monthly Payment is $50,713 in the first 10 years and then your last balloon payment will be $24,43,032
Thus, your total repayment amount is $85,28,632 from which the total payment is $60,85,600, including a total interest payment of $35,28,632.
D) Advantages and Disadvantages
Advantages: Small businesses benefit from amortization because each time they make a payment, interest and principal are included in a clear, predetermined amount. An amortized loan enables the principal and interest to be spread out over time, creating a more manageable repayment schedule. On the other hand, an unamortized loan would have interest-only payments throughout and a balloon payment for the remaining principle at the end. Direct amortization has the advantage of being a feel-good option, as the burden of mortgage interest and the amount of debt is gradually reduced, and the property can be used as an investment option with an object yield
Disadvantages: The biggest problem with amortization is that sometimes the borrower is unaware of the exact amount of interest being paid. It's critical to calculate the entire interest paid and not only focus on the predetermined payback amount. The rising taxes and a potential lack of retirement funds are the drawbacks.
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countess corporation is expected to pay an annual dividend of $4.75 on its common stock in one year. the current stock price is $75.15 per share. the company announced that it will increase its dividend by 3.85 percent annually. what is the company's cost of equity?
Company's cost of equity for given data is 10.17%.
What is company's cost of equity?The pay that the financial markets demand from a company in order to possess the asset and assume the risk of ownership is referred to as the cost of equity.The capital asset pricing model is one tool corporations and investors can use to assess the cost of equity.
The cost of equity formula is stated thus:
cost of equity = D1/P0+g
D1 = future expected dividend payment=$4.75
P0=current stock price=$75.15
g = dividend constant growth rate=3.85%
cost of equity=($4.75/$75.15)×100+3.85%
cost of equity=6.32% +3.85%
cost of equity=10.17%
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in real life there are many potential vehicles, or outlets, from which to choose. for purposes of this training environment, we have selected a range of advertising outlets that represent differently weighted opportunities for each market segment. of these five media types, which one has the most vehicles to choose from?
In real life, there are many potential vehicles, or outlets, from which to choose. For purposes of this training environment, we have selected a range of advertising outlets that represent differently weighted opportunities for each market segment. Of these five media types, print media has the most vehicles to choose from.
The various materials or publications which are printed on paper and distributed are termed 'print media.' One of the main characteristics of print media is its credibility. Print publications are perceived as credible and legitimate.
Another characteristic of print media is mass circulation. The magazines a form of print media are released weekly, biweekly, or monthly and provide in-depth coverage of current events. This allows readers to get the information they need when they need it. Print media is also very tangible.
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standard costs are preset costs for delivering a product or service under normal conditions. group startstrue or false
True, Standard costs are fixed costs for providing a good or service under typical circumstances.
A standard cost is also referred to as the cost that "should be," a predetermined cost, a projected future cost, an expected cost, a budgeted unit cost, or an anticipated cost. The yearly profit plan and operating budgets of a manufacturer frequently include standard costs as a key component. This method offers a more straightforward alternative to cost layering systems like the FIFO and LIFO approaches, which need extensive historical cost data to be kept on hand for inventory goods kept in stock.
A variance is the discrepancy between both the standard cost and the actual cost. A variation implies a departure from the information recorded in the profit plan.
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what happens if a title company wires money and makes a mistake on a transaction and then asks for the money back?
If these conditions exist, it indicates that the bank made a mistake and they will cancel your transfer.
Why is the importance of transfers in business?There are definite benefits to business transfers in terms of financial security. These include the possibility for tax optimization, and capacity to pay your retirement but maintaining control, the significance of leaving both a personal and professional legacy, and the health and longevity of your company.
whatThe transfer serves what purpose?Employees might be moved to positions where they'll probably be more productive or like their work more. The position, designation, standing, or compensation are unaltered during transfers. This is a method of adjusting the employee to the task, the time, and also the place.
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how and when does a contractor performing work associated with a 203(k) loan receive funds from the lender?
The borrower's lender uses escrowed funds to pay the contractors in a series of draws. The lender deposits the money for repairs and improvements into such an escrow account at closing.
What is a brief definition of funds?
A fund is a collection of funds set aside for a certain objective. A fund can be created for a variety of objectives, such as the construction of a new civic center by the municipal government, the awarding of scholarships at a college, or the payment of customer claims by an insurance company.
What do funds in finance mean?
Funds are collective investments that help you diversify your total risk by pooling your money and the money of other investors and investing it in a variety of underlying investments.
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martina advises her tax client, breslin baked goods, to disclose a matter by attaching a special form to its corporate tax return. breslin refuses and threatens to replace martina with another cpa. which
In Case whereby martina advises her tax client, breslin baked goods, to disclose a matter by attaching a special form to its corporate tax return. breslin refuses and threatens to replace martina with another cpa what Martina should do under the tax profession's ethics standards is a) Consider whether to withdraw from the engagement and reevaluate the relationship.
What is Ethical standards?Ethical standards can be described as the set of principles established by the founders of the organization so as to be able to communicate its underlying moral values.
In conclusion, from the case above, she can withdraw from the engagement and reevaluate the relationship.
Therefore option A is correct.
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missing options:
Martina advises her tax client, Breslin Baked Goods, to disclose a matter by attaching a special form to its corporate tax return. Breslin refuses and threatens to replace Martina with another CPA. Which statement best describes what Martina should do under the tax profession's ethics standards in this situation?
a) Consider whether to withdraw from the engagement and reevaluate the relationship.
b) Terminate the engagement and report Breslin to the IRS Office of Professional Responsibility.
c) Draft a memo for the files indicating that Breslin is a difficult client.
d) File the return in the manner specified by the client (without the disclosure).
within the perfectly competitive market structure, consider a labor union that manages to obtain higher wages for its members. at the time the union obtains higher wages, the perfectly competitive firms are earning positive economic profits. it follows that
Within the perfectly competitive market structure, at the time the union obtains higher wages, the perfectly competitive firms are earning positive economic profits. It follows that initially higher wages will reduce profits and in the long run product prices will be higher because of higher wages.
What is a market structure?
In economics, the concept of market structure describes how companies are divided and categorised according to the sorts of commodities they offer (homogeneous/heterogeneous), as well as how variables and forces from outside the company impact how the companies operate. Knowing the features of several markets is made simpler by market structure.
Both providers and demanders make up the majority of the market. Equal and indispensable are both parties. The way in which prices are formed on the market is determined by its structure. A price that both sellers and purchasers can agree on will be sought after by suppliers and demanders (sellers and buyers) to produce an equilibrium quantity.
When dealing with changes in market structure, authorities must consider market definition as a key problem. The interaction between buyers and sellers, which makes up the bulk of the market, consists of three different circumstances: the relationship between buyers and sellers and the relationship between buyers and sellers. the interaction between market buyers and sellers and those who are just joining the market. These connections represent the market rivalry and monopolistic connections that are seen in economics.
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within the perfectly competitive market structure, consider a labor union that manages to obtain higher wages for its members. at the time the union obtains higher wages, the perfectly competitive firms are earning positive economic profits. it follows that
which of the following contributed to the more relaxed incorporation procedures of modern times? the idea that incorporation is a by-product of the people's right to associate, not a gift from the state. the move from mercantilist thinking to a belief in benjamin franklin's invisible hand. the idea that incorporation is a gift from the state. the thought that laissez-faire is a losing proposition..
The idea that incorporation is a by-product of the people's right to associate, not a gift from the state of the following contributed to the more relaxed incorporation procedures of modern times.
Incorporation is the prison manner used to shape a company entity or business enterprise. A company is the ensuing felony entity that separates the company's belongings and earnings from its proprietors and investors.
The agency Apple, as an instance, was incorporated below the overall call Apple Inc, at the same time as Microsoft is formally integrated as Microsoft company.
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A hiking boot’s profits are declining because new competition has entered the market, but its cost has also declined due to increased volume of production. What stage of the product development life cycle is the hiking boot in?.
Answer:
DEMAND
Explanation:
the world bank regularly uses two thresholds: $1.90 per day for ""extreme"" poverty and $3.10 per day standard for less ""severe"" poverty. foreign aid to poor nations amounted to $20 per year per person. what percentage did this aid cover of:
The region's agricultural has recovered from a severe drought, with output rising by 0.6 percent, while the proportion of the really poor has decreased to 2 percent.
The World Bank also provides poverty rates using two new international poverty levels, lower middle-income line set at $3.20/day and higher middle-income line set at $5.50/day, in addition to the lowest-income poverty line of $1.90.
Whom does the World Bank define as being poor?The World Bank has set a target of reducing the proportion of people living in extreme poverty to less than 3 percent by 2030. Poverty is assessed at the international poverty threshold of $1.90 per day.
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as the price level decreases, the cost of borrowing money will , causing the quantity of output demanded to . this phenomenon is known as the effect.
As the price level falls, the cost of borrowing money will FALL, causing the quantity of output demanded to RISE. This phenomenon is known as the INTEREST RATE effect.
What happens when prices fall?People will require less money to conduct daily transactions if prices decline. The cost of borrowing money—the interest rate—will decrease as individuals demand less money (assuming that the quantity of money in the economy is fixed). Business investment accelerates as a result, increasing demand for domestic output.
The interest rate impact of a change in price level is what this is known as. Keep in mind that a lower interest rate boosts consumer spending as well as investment spending because people will be less inclined to conserve money. As a result, when interest rates are lower, business investment rises and household savings fall, increasing the demand for domestic output.
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the management function that assesses public attitudes and implements a program of action to earn the understanding and acceptance of the public is traditionally known as
Public relations is the management function that assesses public attitudes and implements a program of action to earn the understanding and acceptance of the public.
The managerial task of public relations is to build and sustain relationships between an organization and the people who determine whether it will succeed or fail.
Public relations experts are in charge of a wide range of communication tasks, such as raising brand recognition and awareness, organizing events, and producing content. Some of them assist brands in preserving their integrity and reputation during a bad incident by handling crisis communication.
Public relations are frequently mixed up with marketing and advertising. Despite the commonalities, there are also significant distinctions.
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If the economy is experiencing high rates of inflation due to a new housing bubble, what effects would an expansionary monetary policy have on the economy?.
An expansionary monetary policy would reduce inflation and increase unemployment in the economy.
What is a monetary policy?The goal of monetary policy is to ensure price stability and public confidence in the strength and stability of the country's currency. It is the strategy used by the monetary authority of a country to control either the interest rate payable for very short-term borrowing (banks borrowing from one another to meet their short-term needs) or the money supply. The stability of the gross domestic product, achieving and maintaining low unemployment, and maintaining stable exchange rates with foreign currencies are typically additional goals of monetary policy. The formulation of the best monetary policy can be aided by knowledge of monetary economics. In developed nations, monetary and fiscal policies are typically developed independently.
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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 .
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.
Which of the above statements best exemplifies a positive economic statement?
Here is an illustration of a supportive economic statement: "Public spending on healthcare given by the government rises." This assertion is factual and does not imply any moral judgment. Examining healthcare costs in areas where governments offer healthcare will demonstrate (or refute) the veracity of the theory.
What is a good economics response?
Positive economics is the study of economics through an objective analytical lens. Most economists base their future predictions on what has already happened and what is happening in a particular economy. This investigation process is economically advantageous.
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what questions are asked at the daily scrum meeting?multiple select question.how will this feature provide return on investment?what have you done since the last scrum?what will you do between now and the next scrum?
The questions asked at daily scrum meeting are "What will you do between now and the next Scrum" and "What have you done since the last Scrum", which suggests that option 2 and 3 are correct.
In Scrum, a sprint planning meeting is used to negotiate which product backlog items the team will attempt. Scrum meeting is basically a daily meeting which guides the employees about the daily tasks and hurdles which the firm might face. The term scrum was chosen by the paper's authors because it implies teamwork. The scrum master is accountable to ensure that the event happens regularly. Scrum meetings involve Self-organization, Collaboration, Value-based prioritization, Time-boxing and Iterative development.
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the stable, long-run equilibrium in a competitive market occurs when the market price equals the lowest point on a firm’s average total cost curve., true or false
True, the stable, long-run equilibrium in a competitive market occurs when the market price equals the lowest point on a firm’s average total cost curve.
When there are no changes in the number of firms in the market and when all firms are making zero economic profits, a fully competitive market reaches long-term equilibrium. An increase in demand generates economic profit in the short run and encourages entry in the long run in a perfectly competitive market in long-run equilibrium; a decrease in demand generates economic losses (negative economic profits) in the short run and forces some businesses to leave the industry in the long run.
When a company's marginal revenue (MR) equals its marginal cost (MC) equals the average total cost, it optimizes its profits ( ATC ). MR equals the market price for a firm in a competitive market.
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Which of these postsecondary degrees comes after a master's degree (going
from lowest to highest)?
A. Bachelor's degree
B. Associate degree
C. PhD
D. High school diploma
If an organization deals successfully with change and has created procedures and systems that can be adjusted to the environment, the existing security improvement program will probably continue to work well.a. Trueb. False
It is true that If an organization deals successfully with change and has created procedures and systems that can be adjusted to the environment, the program will probably continue to work well.
The platform security validation (PSV) procedure is made to identify and record vulnerabilities that can exist as a result of incorrectly configured systems being used by the company. The preparedness and review domain's major objective is to maintain the information security program's intended environment and ongoing improvement. One of the fundamental elements of an information security policy is not an audit.
The proper fundamental elements are compliance, purpose, scope, and duties. Confidentiality, integrity, and availability are the core pillars of information security. Every component of an information security program (and every security measure implemented by an entity) ought to be created with one or more of these guiding principles in mind.
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in the first 10 years a mutual fund produced an average annual return of 20.38% compounded annually. how long will it take money invested in this fund to double
In the first 10 years a mutual fund produced an average annual return of 20.38% compounded annually and it will take 4 years for money invested in this fund to double.
A mutual fund is a pool of cash managed by an expert Fund Manager. it's a trust that collects cash from variety of investors who share a standard investment objective and invests a similar in equities, bonds, securities industry instruments and/or different securities.
Money invested means swing your cash or different resources toward one thing you expect to earn financial gain, flip a profit or produce another positive profit. after you invest, you get assets that you just expect to extend in worth over time, which may grow your quantity of cash.
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managed care is a system of healthcare delivery that focuses on: group of answer choices control over utilization. all of these are correct. efficiency. the price of services.
Managed care is a healthcare delivery system that emphasizes utilization control, service pricing, and efficiency.
Based on the primary health care approach, they provide essential services that promote health, prevent disease, and deliver health care to individuals, families, and communities. Health insurance safeguards you against unexpectedly high medical costs. The amount you pay before your insurance plan begins to pay for covered health care services.
Nurses are the backbone of the healthcare industry in the United States. Nurses' roles as patient advocates and skilled care providers have never been more important in meeting the healthcare needs of an increasing number of patients.
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A project that finishes within budget, on schedule and with full functionality goes through _____ closure, whereas a project whose technology did not work and got canceled goes through a _______ closure.
Select one:
a. changed priority, premature
b. perpetual, normal
c. normal, premature
d. perpetual, changed priority
e. normal, failed project
A project that finishes within budget, on schedule and with full functionality goes through normal closure. A project whose technology did not work and got canceled goes through a failed project closure.
What four types of project closing are there?These four outcomes include project termination by extinction, project termination by addition, project termination by integration, and project termination by starving in addition to the other types of project termination.
What happens at project closure?Obtain project deliverable acceptance. Transfer operational and support duties. Keep a record of the things you learned while working on the project. formalize the end. Obtain the project manager's and sponsor's approval.
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if no one source could supply more than 40% of the total number of hires needed, what mix of recruitment sources would you recommend and why?
Employee referrals are one of the most effective ways for the company to hire new employees because employees know which potential candidates meet the company's requirements from personal experience.
Give an example of the sources of recruitment.
Internal and external sources are the two primary sources of recruitment. Internal sources include transfers, internal advertisements, promotions, and so on; external sources include management consultants, public advertisements, recommendations, deputation personnel, and so on.
What is the most efficient approach to recruitment?
Improve Your Employer Brand The employer brand is probably the most crucial aspect of attracting, hiring, and retaining top talent.In point of fact, 72% of those in charge of recruitment concur that it has a significant effect on hiring success.
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a formal, signed credit agreement between a lender and a borrower is called a(n) by the lender.
The duration of the outstanding. A formal credit agreement is one that involves both a creditor and a debtor. receivable notes
What exactly is a contract example?Technically defined, an agreement is any contract involving two or more people and a shared goal. Whenever a man offers to split the rent and another accepts, they enter into an agreement and start living together as flatmates.
What does a commitment to agree mean?When parties agree that specific business arrangements shall be resolved later, they have reached an agreement to agree. For instance, this might refer to the quantity of items a distributor needs to buy from a supplier or the rent payment made under a business lease.
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If the price of a good falls from $5 to $4, and the quantity demanded increases from 4 units to 5 units, the price elasticity of demand is:
A) elastic.
B) inelastic.
C) unit-elastic.
D) perfectly elastic.
The demand elasticity of prices is relatively elastic for price drops that raise quantity requested from two units to 3 units as the quantity demanded rises form 4 units to 5 units.
Why does elasticity occur?When forces are applied, the atomic lattice in metals changes in size and shape (energy added to the system). The lattice returns to its initial lower energy state when forces are eliminated. The stretching the polymer chains whenever forces were applied is what gives rubbers as well as other polymers their elasticity.
What creates elasticity, and what produces it?A body's elastic quality refers to its capacity to withstand any long-term changes brought on by stress. reasons for elasticity External force is one of the fundamental causes of elasticity. Additionally, elasticity
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on may 22, jarrett company borrows $9,100, signing a 90-day, 8%, $9,100 note. what is the journal entry made by jarrett company to record the payment of the note on the maturity date?
The journal entry made by Jarrett company to record the payment of the note on the maturity date is Debit Notes Payable $7,500; debit Interest Expense $150; credit Cash $7,650.
A magazine access is a file of a enterprise transaction for your enterprise books. In double-access bookkeeping, you are making at the least magazine entries for each transaction. Because a transaction can create a number of modifications in an enterprise, a bookkeeper tracks all of them with magazine entries.
Maturity isn't always a depend of age, however instead, of ways you pick to reply and react to diverse lifestyles situations. It is essentially a stage of intellectual improvement or information that has a concerning all regions of an individual's lifestyles, proper from their behavior to their courting with others.
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the williams co. has launched a new app that will enable a user to turn on lights in a home with motion sensors. the williams co. app enables users to turn on the lights in the garage when it is dark outside. the app is in the introductory stage of the product life cycle and the adverting provides consumers in-depth information about its benefits. this is an example of .
Since the app is in the introductory stage of the product life cycle and the adverting provides consumers in-depth information about its benefits. this is an example of pioneering advertising.
What is meant by pioneer advertising?The advertising campaign to introduce a completely new product category is known as pioneer advertising. Pioneer advertising aims to educate consumers on the nature of the product, its availability, and its potential uses.
Instead of marketing a single product in a mature market, pioneering advertising refers to the debut campaign of a new product category.
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Assume the MPC is 0.75. Assume there is a multiplier effect and that the total crowding-out effect is $6 billion. An increase in government purchases of $10 billion will shift aggregate demand to the
right by $34 billion.
Considering the MPC provided data, the purchasing will change the overall demand right by $36 billion
It may be inferred from the information provided that the multiplier value will be:
= 1/(1 -0.75) (1 -0.75)
= 1/0.25\s= 5
The output will increase as follows:
= 4 × 10
= 40 billion
= 40 billion - 4 billion
= 36 billion
The marginal propensity to consume (MPC) is a measure of induced consumption in economics, which is the idea that an increase in disposable income leads to an increase in personal consumer spending (consumption) (income after taxes and transfers). Propensity to consume is the percentage of disposable income that people spend on consumption.
MPC is the percentage of additional money that a person spends. For instance, if a household receives an additional $1 in disposable income and the marginal propensity to consume is 0.65, it will spend 65 cents of that dollar and save 35 cents. Of course, the family cannot spend more than the additional $1. (without borrowing). When compared to wealthier people, the MPC is higher for impoverished persons.
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the leader of the IDEO brainstorming session enforces the rule to encourage wild ideas by asking memebers to propose ideas that are
The leader of the IDEO brainstorming session enforces the rule to encourage wild ideas by asking members to propose ideas that are closer to ridiculous.
It is not always easy to persuade participants to actively participate in a brainstorming session. Some people are afraid to share creative ideas in front of coworkers or, worse, their boss. After all, by sharing a crazy idea, you risk embarrassing yourself. It is the facilitator's responsibility to overcome these reservations. One method is to hold a Bad Idea Brainstorm, which is an exercise that encourages a group to search for the worst possible idea.
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the three-term contingency becomes the four-term contingency if we add a. motivating operations b. punishers
the three-term contingency becomes the four-term contingency if we add reinforcers. so reinforcers is correct answer of given question.
What are examples of reinforcers?In operant conditioning, a reinforcer is a stimulus that is administered or altered after the intended response in order to improve the likelihood of the desired response (for example, a reward or the removal of an electric shock). The least contrived activities or things that nonetheless effectively promote the behavior are the best reinforcers. For instance, if a youngster finds both jumping on the trampoline and drawing pictures to be reinforcing, drawing images might be a more suitable reinforcer for doing their homework.
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