Profitability is increasing, but so is the risk of default is the overall assessment would you provide the senior loan officer regarding ctek’s ability to repay a loan if granted.
What exactly is guarantor risk for loan?The greatest danger of becoming a loan guarantor is the risk of loan payback. Yes, if the principal borrower fails to return the loan, the loan guarantor is considered a defaulter and must refund the debt on time. The loan provider may request that the loan guarantor return the outstanding loan on schedule. Adjustable-rate mortgages (ARMs) are a particularly risky choice for borrowers in less-than-ideal financial situations due to their fluctuating interest rates. In reality, in the wrong conditions, some fixed-rate mortgages might be troublesome. If your guarantor fails to pay, your landlord may sue them. Your landlord may wish to evaluate your guarantor's ability to pay rent in the same way that they have investigated your ability to pay rent.
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In a liquidity​ trap, monetary policy has​ _____ effect on aggregate spending because a change in the money supply has​ _____ effect on interest rates.
Monetary policy has no impact on overall expenditure in a liquidity trap because changes in the money supply have no impact on interest rates.
What is the impact of the liquidity trap on monetary policy ?When investors choose lower-yielding investments over holding onto cash owing to a gloomy economic outlook, a liquidity trap forms. Bonds aren't the only thing affected by a liquidity trap; other sectors of the economy also suffer as a result of consumers' reduced spending, which might make employers less eager to hire.
In a liquidity trap, an expansionary monetary policy (increase in money supply) fails to raise interest rates or income, which in turn prevents economic growth.
These writers contend that limited access to credit reduces aggregate demand and lowers the natural interest rate. A period of debt deleveraging will therefore be accompanied by a liquidity trap and a recession if the underlying interest rate is low enough.
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an assignment is valid group of answer choices three business days from declaring the assignment. when the obligor notifies the obligee. when the assignor notifies the obligor. from the moment it is made.
An assignment is considered to be valid from the moment it is made.
When is an assignment valid?Legally, an assignment is said to be valid from the moment that it is made, if it is made according to the laws of the state that it is made in. Generally, an assignment is legal when there are things like intent included.
The assignee must have given some allowances and considerations to the person that assigned it to them, or the assigneor. The rights in the assignment must be such that they can be enforced legally.
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the idea of inflation makes one clear prediction that, until quite recently, seemed to contradict the available observations. what is this prediction?
The idea of inflation makes one clear prediction that, until quite recently, seemed to contradict the available observations and this prediction is that the universe should be geometrically "flat" (in the four dimensions of spacetime).
Inflation refers to a general increase within the costs of products and services in an economy. once the final indicant rises, every unit of currency buys fewer merchandise and services; consequently, inflation corresponds to a discount within the buying power of cash
Most cosmological proof points to the universe's density as being excellent — the equivalent of around six protons per one. In alternative words, the universe is flat.
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the difference between monopolistic competition and perfect competition is that in comparison to perfect competition, monopolistic competition has a. more firms, product differentiation, some price control, and relatively easy but not barrier-free entry. b. fewer firms, product differentiation, some price control, and relatively easy but not barrier-free entry. c. fewer firms, no product differentiation, price control, and relatively easy, barrier-free entry. d. more firms, no product differentiation, some price control, and relatively easy, barrier-free entry.
The difference between monopolistic competition and perfect competition is that in comparison to perfect competition, monopolistic competition has . more firms, no product differentiation, some price control, and relatively easy, barrier-free entry.
Monopolistic competition is a type of imperfect competition in which many manufacturers are competing with each other but selling different products from each other and therefore not perfect substitutes.
Monopolistic competition occurs when many companies offer competing products or services that are similar but not perfect substitutes. Barriers to entry in a proprietary, highly competitive industry are low, and no single firm's decisions directly impact competitors.
A monopoly is a situation where he is the only seller in the market. In traditional economic analysis, the monopoly case is viewed as the antithesis of perfect competition. By definition, the demand curve faced by a monopoly is the industry demand curve, sloping downwards.
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An example of "indirect finance" is
(a) you make a loan to a fellow student who uses the funds to buy common stock
(b) you buy a government bond from the US Treasury
(c) you deposit funds into your checking account which the bank uses to make a loan to a fellow student
(d) a corporation buys 5% of the common stock of another corporation
A bank that has no excess reserves but wants to make additional? loans can obtain new reserves by
(a) borrowing from other banks
(b) borrowing from the Federal Reserve
(c) taking in new deposits
(d) all of the above
The answer of first part of question is B i.e. you buy a government bond from the US Treasury.
Second part states that when a bank that has no excess reserves but wants to make additional loans can obtain new reserves by, Option D, all of the above.
The Federal Reserve System (the 'Federal Reserve) was made by the Federal reserve Act, passed by Congress in 1913. The Fed started activities in 1914. It was established by President Woodrow Wilson under the Central bank Act, which was pointed toward moving each banks to put a conclusive finish to the bank frenzies of the 1800s.
Like every national bank, Federal Reserve is a government agency that is saddled with the following responsibilities
- Controlling the issuance of money in US of America (it advances public objectives like monetary development, low expansion, and the smooth activity of monetary business sectors).
- Giving financial administrations to every one of the business banks in the country (the Central bank is the "loan specialist after all other options have run out).
- Managing banking exercises (it has the ability to administer and direct banks).
At the point when a bank has overabundance holds and the bank credits those overabundance stores to different banks that need to get to meet their save prerequisites, the abundance saves that are lent are called federal reserves.
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a mechanism that sorts large amounts of information about many consumers' previous purchases that may be related and help predict consumer preferences is called
A mechanism that sorts large amounts of information about many consumers' previous purchases that may be related and help predict consumer preferences is called collaborative filtering.
A consumer's preference can be referred to or considered as the choice of a consumer in purchasing a product over the other in order to make an economic decision as a part of his or her rational behavior compared to other consumers in a market structure, as such. It can be determined with the help of his or her previous purchases, and changing behaviors.
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In a hypothesis test for population proportion, you calculated the p-value is 0. 01 for the test statistic, which is a correct statement of the p-value?.
The null hypothesis is rejected if the p-value is less than or equal to the chosen significance level; otherwise, it is not. To put it another way, if p, reject H0; if p>, do not reject H0.
What is population proportion?A population proportion is the percentage of the population that possesses a particular set of traits. In statistics, a population proportion is a quantity that specifies a percentage value connected to a population. It is typically symbolized by P or the Greek letter pi. The average per person query is answered by the mean percentage, and population intakes are answered by the population proportion.
What is population proportion in hypothesis testing?The claims made in the hypotheses concern the population proportion, see p. The proposition that the proportion equals a certain value, p0, is known as the null hypothesis. The competing assertion that the parameter is less than, greater than, or not equal to p0 is the alternative hypothesis.
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When Kent Inc. introduced its flagship MP3 player, it captured the market by offering the product at a very low price. This gradually forced many of its competitors out of business. Once its competitors were out of business, Kent Inc. raised the price. In this scenario, Kent Inc. most likely Indulged in _ price foxing status quo pricing price discrimination predatory pricing
Once its competitors were out of business, Kent Inc. raised the price. In this scenario, Kent Inc. most likely Indulged in predatory pricing.
What is Predatory pricing?
Predatory pricing is a pricing strategy where a dominant firm in an industry will intentionally lower the prices of a product or service to loss-making levels in the short-term. This is undercutting on a larger scale.
The idea is to force any current or potential competitors out of the market since they can't successfully compete with the market leader without suffering a loss. When competition is gone, the dominant company that now holds a majority of the market can eventually raise its prices to monopoly levels to make up for its losses.
When the dominant firm raises prices to make up for lost earnings, it is when predatory pricing and competitive pricing diverge.
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If bonds are issued at a discount, the issuing corporation will pay a principal amount less than the face amount of the bonds on the maturity date.
false
If bonds are issued at a discount, the issuing corporation will pay a principal amount less than the face amount of the bonds on the maturity date. FALSE
A corporation is an business enterprise—normally a set of people or a organisation—authorized through the country to behave as a single entity and recognized as such in law for certain purposes. Early included entities had been set up by way of constitution. most jurisdictions now permit the creation of latest organizations thru registration.
Below the law, businesses possess a few of the identical rights and responsibilities as people. they are able to enter contracts, mortgage and borrow money, sue and be sued, hire personnel, very own belongings, and pay taxes.
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which of the following constraints will be included in the lp model that determines minimum cost strategy to balance the cars at the seven locations.
That determines minimum cost strategy to balance the cars at the seven locations.The economy flow balancing requirement for each transshipment node in a minimal cost network flow model mandates that flow in Equals flow out.
Economic flows are modifications to the amount, composition, or value of an institutional unit's assets and liabilities. They signify the emergence, development, modification, trade, transfer, or elimination of economic value. A flow idea is a quantity measured over a set period of time. For instance, the bank will give you 4% interest annually if your monthly allowance is 1500 rupees.Other examples of flows are expenditure, savings, depreciation, interest, exports, imports, changes in inventories (not simply inventories), changes in the money supply, lending, borrowing, rent, profit, etc. because their magnitudes (sizes) are measured over time.Long Playing (LP) records have a diameter of either 12 or 10 inches and rotate at a rate of 33 1/3 revolutions per minute to store music in an analogue phonograph recording format.But in 1982, the Compact Disc (CD) format was developed.
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ACME Company is considering starting a retirement plan for its employees. One option ACME is considering is a profit-sharing plan. All of the following are advantages of this type of retirement plan EXCEPT
A) The employer's cost is not affected by the age and the number of employees.
B) Profit sharing plans provide an incentive for employees to work harder and more efficiently.
C) The 10 percent penalty tax does not apply to distributions prior to age 59.5.
D) ACME enjoys greater flexibility in employer contributions.
Except The 10 percent penalty tax does not apply to distributions prior to age 59.5 all of the following are advantages of this type of retirement plan.
10% of the tax due pursuant to section 115BBE. If it is determined, during any proceedings under the Act, that the assessee has made a false entry in the books of accounts maintained by the assessee, there would be a penalty tax. To avoid paying taxes, every entry necessary for calculating the person's total income has been deleted. A penalty is a type of punishment meted out for breaking the law. When it comes to income tax, breaking any of the guidelines outlined in the Income Tax Act of 1961 will result in penalties. The fine may be a fixed sum or a percentage of a sum of money. An individual who violates the law, whether it be a contract, a rule, or a regulation, will be punished with a penalty.
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Because it is the quickest form of bankruptcy proceeding, and still preserves the mortgage lien of the lender, lenders prefer, if bankruptcy is to happen, that it be a Chapter ____ proceeding.
Because it is the quickest form of bankruptcy proceeding, and still preserves the mortgage lien of the lender, lenders prefer, if bankruptcy is to happen, that it be a Chapter seven proceeding.
Bankruptcy is a prison procedure, so it begins whilst the debtor files a petition with the applicable financial ruin courtroom. That is often executed through the help of a legal professional specialized in those types of instances.
Even as the principle benefit of bankruptcy is the removal of positive debts, the negative consequences are pretty adverse. The maximum apparent is an immediate big and poor effect on one's credit score rating, and financial disaster will continue to be to your credit file for 7-10 years.
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look at the preferences for the characteristics that matter the most to this target segment. what is most important in a backpack to this segment?
Comfort is most important preference to the school children market segment.
What is a market segment?
Market segmentation is the practice of breaking a large consumer or corporate market, often made up of current and potential customers, into smaller consumer groups based on some sort of shared attribute. Market segments are groups of people who are combined for marketing purposes.
Market segments, which are a subset of the overall market, frequently group people based on one or more shared criteria. The most essential factor is identifying the market in light of their needs and desires. For this, analyze their usage trends, preferences, way of life, and demographics. Also take note of your market's growth potential, your competitors, and any potential risks they may provide to your business.
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The correct question is:
Which of the following PREFERENCES is most important to the SCHOOL CHILDREN market segment?
A. Comfort
B. Capacity
C. Durability
It is recommended that an entrepreneur avoid using the internet as a resource for finding information to write a business plan because the information found there is often incorrect and unreliable.
False
It is recommended that an entrepreneur avoid using the internet as a resource for finding information to write a business plan because the information found there is often incorrect and unreliable. FALSE
An entrepreneur is a person who has an concept and who works to create a product or service that humans will buy, in addition to an business enterprise to assist that effort. An entrepreneur takes on most of the hazard and initiative for his or her new business, and is regularly visible as a visionary or innovator.
The entrepreneur is defined as a person who has the ability and choice to establish, administer and succeed in a startup task along side chance entitled to it, to make profits. The pleasant instance of entrepreneurship is the starting of a new business venture.
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A company that manufactures flash drives knows that the number of drives x it can sell each week is related to the price p , in dollars, of each drive by the equation x = 1000− 100p . a. Find the price p that will bring in the maximum revenue. Remember, revenue (R) is the product of price (p) and items sold (x) , in other words, R = xp .
To find the price p that will bring in the maximum revenue, we need to find the value of p that maximizes the function R = xp. Since x = 1000 - 100p, we can rewrite the function as R = p(1000 - 100p). To maximize this function, we can take the derivative of R with respect to p, set it equal to zero, and solve for p.
The derivative of R with respect to p is given by:
dR/dp = (1000 - 100p) + (-100 * p) = 1000 - 200p
To find the value of p that maximizes R, we need to set this derivative equal to zero and solve for p:
0 = 1000 - 200p
200p = 1000
p = 1000 / 200 = 5
Therefore, the price p = $5 will bring in the maximum revenue.
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a survey of social media presence conducted by hubspot found that consumers expect brands to be active on how many social channels?
Customers anticipate that brands to be active on three to four social channels, according to a HubSpot study on social media presence.
What are social media platforms?The term "Social Media Channels" refers to any online collaboration, sharing, or publishing platform, whether accessed through the web, a mobile device, text messaging, email, or other established or developing communications platforms. It also includes blogs, microblogs, wikis, social networks, social bookmarking services, user rating services, and any other such platform.
Why are social media platforms crucial for marketing?Through social media interaction, brands have the opportunity to win over the trust of prospective clients, business partners, and employees. This is particularly valid if word about your business's existence, goods, or offerings is being disseminated by others.
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choose all of the following that, according to mintzberg, are ways that an organization can strategically differentiate: (choose all that apply.)
According to mintzberg, Strategy is a design - some sort of consciously meant route of action, a guideline (or set of guidelines) to deal with a situation.
By this definition strategies have two indispensable characteristics: they are made in enhance of the actions to which they apply, and they are developed consciously and purposefully.
What are the 5 kinds of strategic management?The 5 types of strategic administration enumerated from most simplistic to most complicated are linear, adaptive, interpretive, expressive, and transcendent. These 5 kinds of strategic administration characterize a continuum of organizational center of attention and action.
Within the area of well-defined strategy, there are uniquely exceptional strategy types, right here are three: Business strategy. Operational strategy. Transformational strategy.
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https://brainly.com/question/15864039#SPJ4Explain one possible stakeholders conflict
that could exist between employees
and owners of a business (3 Mark)
Mark as brainiest
Answer:
Owners want high profits
you're a marketing specialist for a large european housewares retailer and want to advertise new products to drive site traffic. how can merchant center support your shopping strategy?
You can effortlessly manage product ratings, maintain shop information, and generate highly personalized Shopping advertising with Merchant Center.
You may establish campaigns, change advertising, carry out ad targeting, and choose new goods to market by using Merchant Center. In-depth monitoring and analytics are available through Merchant Center to monitor the campaign and product-level performance. You can control how your online and in-store product inventory is displayed on Goo-gle using Merchant Center.
After a product has been purchased, a free service called Merchant Center Goo-gle Consumer Reviews compiles consumer reviews. Stella Service is a third-party firm that gathers data regarding the caliber of your business's goods, services, and returns.
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nike was looking for more than just star athletes to sponsor, what other quality did they think would resonate with customers?
For a company like Nike, which is all about sports and fitness, they discovered an opportunity with non-athlete movie stars.
Nike ads are displayed more credible to consumers due to a seemingly endless stream of influencer marketing, as people tend to listen to testimonials from superstars like Michael Jordan, LeBron James, and Tiger Woods more than those from unknown actors. Actually supporting Nike products and wearing Nike clothing contributes to elevating the brand's image.
Nike, in moreover to paid advertising and sponsorships, supports local organizations in order to personalize the marketing strategy. Although the company does not sponsor independent sports teams, it does contribute products to non-profit and organisations all over the world. This enables them to make an impact in affected residents while also building strong customer relationships, thereby increasing the probability that they will choose Nike the next time they make a purchasing decision.
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which of the following statements is consistent with findings of studies investigating ownership of medical businesses among physicians?
The correct statements are consistent with the findings of studies investigating ownership of medical businesses among physicians:
b. Physician-owned facilities tend to do more procedures per patient and charge higher fees.
c. Physician referral to facilities in which they have a financial interest is increasingly common.
A physician (American English), medical practitioner (Commonwealth English), medical doctor, or simply doctor, is a health professional who practices medicine, which is concerned with promoting, maintaining, or restoring health through the study, diagnosis, prognosis, and treatment of disease, injury, and other physical and mental impairments. Physicians may focus their practice on certain disease categories, types of patients, and methods of treatment—known as specialties—or they may assume responsibility for the provision of continuing and comprehensive medical care to individuals, families, and communities—known as a general practice.
Complete question:
Which of the following statements is/are consistent with findings of studies investigating ownership of medical businesses among physicians?
a. Physician ownership is rare due to conflict of interest.
b. Physician-owned facilities tend to do more procedures per patient and charge higher fees.
c. Physician referral to facilities in which they have a financial interest is increasingly common.
d. Both b and c are correct.
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TRUE/FALSE when a firm experiences economies of scale, long-run average total cost falls as the quantity of output increases.
True. A situation when producers create a lot of the things for a lower cost of manufacturing is called an economy of scale.
How can economies of scale impact a firm's long-term average total costs?Economies of scale, sometimes referred to as growing returns to scale, occur when a company's long-run average total cost decreases as output increases. To increase their profit margins on the output they produce, businesses use economies of scale.
Why does average overall cost fall over time?In the long run, businesses will have the choice of production technology, making all costs variable. Economies of scale describe a circumstance in which the average cost falls as the volume of output rises.
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The given statement is True. Economies of scale is the situation where the producers produce a large amount of the goods with a reduced cost of production. The LRAC curve is a flatter U-shaped curve'
What is economies of scale in the Lratc?During the economies of scale at the beginning of the curve, costs are reduced as the company grows more efficient and its production costs diminish. The first iterations of product development and assembly carry costs that will largely be greater at the onset.
Is it true that economies of scale help in spreading cost to volumes of production?Economies of scale are cost advantages reaped by companies when production becomes efficient. Companies can achieve economies of scale by increasing production and lowering costs. This happens because costs are spread over a larger number of goods.
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bookmark question for later what is a common axiom for information technology professionals? communicate! become an expert know the business be professional
common axiom for information technology professionals is know the business.
Who are considered to be IT professionals?A person working in the field of information technology, a person who has completed training at a college, university, or computer school, or a person who has demonstrated substantial expertise in the field of computers may be considered an IT specialist, computer professional, or IT professional.
What are deemed to be IT skills?Information technology (IT) skills are technical abilities required for employment in the technical support, maintenance, and development fields. IT talents cover a wide range of tasks, from software development and hardware installation to data analysis and troubleshooting.
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true or false? approximately $30-40 billion is currently spent annually on otc medications in the united states.
The aforementioned claim is accurate. OTC medications currently account for $30–40 billion in annual spending in the United States.
A total of $30.2 billion is spent annually by the 59 million Americans who pay out-of-pocket for supplemental healthcare options. These conclusions were reached after an investigation by the National Center for Complementary and Integrative Health (NCCIH) and the Centers for Disease Control and Prevention.
According to the findings of a study published by the Consumer Healthcare Products Association(CHPA) cost savings due to the availability of OTC medicine specifically came from two major categories: nearly $52 billion in drug cost savings (lower-priced OTCs versus prescription drugs) and nearly $95 billion in cost savings due to avoidance of clinical visits.
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the new toyota awesomecar is available in only 4 configurations that are manufactured according to a demand forecast. which production model best describes the way awesomecars are made? question
The production model describes how a fantastic car is created through mass customization.
The production model is a collection of resources used to describe a product as a collection of components and the processes that go with those components. The resource hierarchy provides a modular and layered approach to specifying and manufacturing a variable family of products.
A production factor is required for production because without it, no production is possible. It is common practice to attribute the production process to three factors: land, labor, and capital, to which we add organization.
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With respect to distance between a foreign and a domestic market, administrative distance is likely to be more when the new market.
With respect to distance between a foreign and domestic market, administrative distance is likely to be more when the new market has not been part of the colonizer/colony network (D).
Administrative distance is the feature the routers use in order to select the best path when there are 2 or more different routes to the same destination from 2 different routing protocols. Administrative distance decides the reliability of a routing protocol.
Administrative distance measures the trustworthyness of the source of the routing information. Administrative distance has local significance and not advertised in routing updates.
To reduce the administrative distance, a foreign country should have similar law system and same currency. The 2 countries also should not belong to a different trade bloc to avoid any collusions act. Hence, the administrative distance is high when the new countrie has not been a part of the colony network.
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Complete Question:
With respect to distance between a foreign and domestic market, administrative distance is likely to be more when the new market:
a. uses the common law system used in the Anglo sphere
b. uses the same currency as the domestic market
c. does not belong to a different trade bloc
d. has not been part of the colonizer/colony network
which of the following is a form of agency relationship that grants another person the authority to enter into transactions?
The fiduciary relationship that develops when one person expresses their consent to another person to act on their behalf and under their control, and the other person gives their consent.
Principal-Agent Relationship: Definition and Operation.
An agreement in which one entity formally appoints another to act on its behalf is known as a principal-agent relationship.
The agent represents the principal in a principal-agent relationship and is not permitted to have a conflict of interest when performing the act. The law of agency specifies rules for this type of relationship and is what is known as the "agency" relationship between the principal and the agent.
Frequently, a contract will define the principal-agent relationship in formal terms. An investor becomes the principal and the fund manager becomes his agent when he purchases shares of an index fund, for instance.
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1.3% complete question in the area of workplace surveillance, what is monitoring data communications and employee's behavior called?
To make sure that employees are not disclosing sensitive information or jeopardizing the organization's security, security assurance involves keeping an eye on employee conduct and data communications.
A program for security assurance is what?The promise given regarding access control, security rights, and enforcement when users engage with an application over time is referred to as security assurance.
What conditions must security assurance meet?Security assurance criteria are established by "analyzing the IT system's target environment, influences, policies, company goals, and security requirements. Any problems that need to be fixed because they could affect the standards for IT system assurance are known as influencers.
Are security and assurance interchangeable terms?Information assurance places a strong emphasis on information gathering. Protecting that data is the main goal of information security. In most businesses, these two vocations are combined into a single department or even a single worker.
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pete is a valuable veteran of 21 years at joe's garage working with 24 people and filling in for joe when he is not in. joe wants to insure pete to offset any losses and the costs of trying to find, recruit and train a replacement, should pete become disabled. what type of policy should joe purchase?
Joe should buy the Key Employee Insurance kind of policy. Insurance that protects a company from the financial losses caused on by the passing of a top executive or other employee.
How does "key person insurance" work?An insurance plan on a prominent executive's life that the business purchases. The company, which also pays the insurance policy premiums, is the plan's beneficiary.
Do small firms need key person insurance?The owner, the company's founders, or even one or two key employees can be considered the key person in a small business. Whether the person's absence would result in significant financial harm to the business is the main criterion for qualification.
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a. in one of the years, one of the companies reported a huge loss on its income statement related to a foreign expatriation of properties. which company, which year, and what was the amount of net loss that resulted for the year? b. what was the amount of net operating cash flow in the year of the loss for the company reporting the loss?
in one of the years, one of the companies reported a huge loss on its income statement related to a foreign expatriation of properties, Name of the company: Discount Goods, Year of loss: 2014,Net loss in that year: -$14,542,Net operating cash flows of Discount goods during 2014 is $19,729
When total expenses (including taxes, fees, interest, and depreciation) exceed total income or revenue for a given period of time, the result is a net loss. A net loss is distinct from a net profit, which is also known as after-tax income or net income. Operating cash flow, which measures the amount of cash generated by a company's normal business operations, is an important metric for determining the financial success of its core business activities. Operating cash flow indicates whether a company can generate enough positive cash flow to sustain and grow its operations; otherwise, external financing for capital expansion may be required.
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