Answer:recession or contraction
Explanation:
Everett had some emergency expenses and doesn't have enough money to
pay his rent. He wants to borrow money against his earnings at work and pay
it back from his next paycheck. This type of loan is called a
A. title loan
B. line of credit
O C. mortgage
D. payday loan
Answer:
d is the correct answer
Explanation:
key words like paycheck , earnings, borrow ,and pay it back leads you to believe that he is asking for a payday loan.
Everett wants to borrow money against his earnings at work and pay it back from his next paycheck. Payday loans are this kind of loan.
What is a loan?
A loan is any sum of money, a piece of property, or other tangible item that is given to another party with the understanding that it will be paid back, plus interest, at a later date.
Payday loans are classified as short-term loans. Usually come in tiny amounts and must be paid back within two to four weeks. They are legal in most states and are also referred to as cash advance loans.
As a result, option (d) is accurate.
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when one department store authorized thousands of its sales clerks to handle functions normally reserved for store managers, such as handling merchandise-return problems and approving customers’ checks, the store implemented a job ________ technique.
Job enrichment is simply known as a way of motivating employees through job been designed to have interesting and challenging tasks. The store implemented a job enrichment technique
Job enrichment often widen the scope of task set that an individual want to perform, and the skills that the individual can develop.It makes for more interesting and interesting work, and gives variety, challenge and depth to your daily work.
It add dimensions to existing jobs to make it more interesting.
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The use of short-term incentives to encourage the purchase or sale of a product or service is called ________.
The use of short-term incentives to encourage the purchase or sale of a product or service is called sales promotion.
Sales promotion can be defined as the strategy of using annual incentives to attract customers so as to increase the sales of goods and services.
Most companies make use of sales promotion to increase their sales in order to generate more revenue as well as to promote their products.
Sales promotion is important as it enables companies to advertise their products or to create products awareness to customers.
Inconclusion the use of short-term incentives to encourage the purchase or sale of a product or service is called sales promotion.
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the laissez faire model is inspired by the work of which economic philosopher?
Laissez faire model was inspired by John Stuart Mill's book "Principles of Political Economy" (1848). This model states that the government should not be heavily involved in the market, and should have a hands off approach.
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The model of laissez-faire was inspired by the work of John Stuart Mill, who was an economic philosopher.
What is a laissez-faire model?Laissez-faire is a free-market economic ideology that opposes government interference. During the 18th century, the French Physiocrats created the laissez-faire philosophy. Laissez-faire proponents believe that when governments intervene in industry and markets, economic prosperity suffers.
John Stuart Mill's work "Principles of Political Economy" influenced the laissez-faire paradigm (1848). According to this concept, the government should not be overly involved in the market and should take a hands-off attitude.
Therefore, it can be concluded that John Stuart Mill work was inspired by the laissez-faire model.
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Which of the following investments will earn the smallest amount of interest? a. $8,030, invested for 2 years at 2. 0% interest b. $1,901, invested for 8 years at 4. 0% interest c. $5,330, invested for 6 years at 2. 0% interest d. $3,970, invested for 6 years at 4. 0% interest.
Answer:
a.
Explanation:
two factors that complicate the calculation of the inflation rate are
Ahmed wants to open a small business selling custom bikes, and is looking at ways of raising money. He owns his own house and is considering acquiring a second mortgage. He is also speaking to his bank about a loan and is looking at crowd-funding sites, as he thinks his product is innovative and could attract investors.
- Assess a mortgage, a loan and crowd-funding as sources of finance for Ahmed.
Explanation:
Mortgages (Pros & Cons)
Defintion-
These are long-term loans, normally around 25 years, that are secured against specific asset, for example a building
Interest will be payable on the mortgage
Pros-
Large amounts of finance can be raise and repaid over a prolonged period of time
Ownership or control is not lost
Cons-
Interest is charged on the amount borrowed
Interest rates can fluctuate
Often secured against an asset which can be seized if repayments are missed
Interest has to be paid regardless of whether a profit is being made
Not suitable for small amounts or as a short-term source of finance .
nothing is ________ than a sales presentation which proceeds from the sellers perspective.
People often engages in different tactics so as too make sales. Nothing is worse than a sales presentation which proceeds from the sellers perspective.
There is always the need for assessment as it is very vital. A good assessment gives one the room to channel one's presentation to your audience and make it interesting.
There are three Stages to Sales Process. They are;
QualificationCollaboration NegotiationConclusively, Relationship selling is known as when a sales representative serves as a partner to the buyer.
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Which programs carry out repetitive tasks and can be programmed to make decisions based on specified conditions
Based on Machine technology fundamentals, the programs that carry out repetitive tasks and can be programmed to make decisions based on specified conditions are "Intelligent agents."
This is because Intelligent Agents is designed to carry out certain functions according to its environment, user input, and experiences.
Intelligent agents is designed with the capability to carry out or gather information on their own.
It can also be programmed to work at a specific time or when the user asks in real-time.
There are various types of Intelligent Agents. Some of these intelligent agents include the following:
Simple Reflex Agents;Model-Based Reflex Agents;Goal-Based Agents;Utility-Based Agents;Learning Agent;Hence, in this case, it is concluded that the correct answer is Intelligent Agents.
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Did you realize before this unit that a speaker had an ethical obligation to their audience when creating and giving a presentation? What do you think is the most challenging aspect about being an ethical speaker?
Answer:
confidence and not moving out of point
Explanation:
a speaker must be confident and focus on the point while given out a speech so that the speech great and the massaged will be pass
This unit that a speaker had an ethical obligation to their audience's confidence and not move out of point. The challenges are there.
What are the challenges?The term challenges refer to the hurdle which has been faced by the person in it, there are life or career as well these can be the challenges as we see the famous personality has more challenges in their life as compared to the others in it as we see the challenges the early period was more than this period.
Speakers had an ethical obligation to their audience when creating and giving a demonstration, Challenges This unit that a speaker had ethical social control over their audience's self-assurance and did not move out of point. The challenges are there. Making and giving a presentation.
Therefore, a speaker had an ethical obligation to their audience's confidence, and not moving out of point challenges are being there.
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An objective of the expense recognition (matching) principle is to have bad debt expense debited in ______.
Answer:
An objective of the expense recognition (matching) principle is to have bad debt expense debited in ,Nation matching,
the return an investor in a security receives is ______ _____ the cost of the security to the company that issued it.
Securities are known to be fungible and tradable financial tools that are employed to raise capital in public and private markets. the return an investor in a security receives is equal to the cost of the security to the company that issued it.
Three forms or types of securities exist. They are:
Equity: This type of security gives an individual ownership rights to holders.Debt: This are important loans repaid within a set payments. Hybrids: this is composed of some aspects of debt and equity.A Security is commonly described as a financial asset or tool that is of economic importance and can be bought, sold, or traded. Examples are stocks, bonds, options, mutual fund shares etc.
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A consumer or producer who does not pay for use of a nonexclusive good but expects others to pay is known as a: Group of answer choices free rider. price setter. fringe element. None of these
The consumer or producer who enjoys the use of a nonexclusive good but expects others to pay is called A. a free-rider.
A free-rider usually expects others to bear the responsibility for their enjoyment or use of a public good. When many people become free-riders, market failure occurs, which is known as the free-rider syndrome.
This syndrome makes it impossible for public goods to be provided. To minimize this free-rider problem, the government or the entity providing the free service or goods should ensure that users pay.
Thus, the consumer or producer who uses a nonexclusive good but expects others to pay is a free-rider.
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What are an employees legal rights that would prevent an employee from terminating an employee?
Employees may not be discriminated against on the basis of race, sex, gender, sexuality, skin color, religion, or any characteristic that is unrelated to their performance of the job.
"Wrongful termination is when an employee is fired illegally. This occurs when an employee is terminated because of discriminatory practices in the workplace, when a company violates public policy in the process of terminating the employee, or when a company's own guidelines for termination were not followed."
Question Mode Multiple Choice Question A corporation is created by obtaining a charter from: Multiple choice question. an attorney the federal government initial stockholders the state government
In general, when a corporation is to be created, it gets its charter from the state government.
Corporations:
Get their charter from a state government Are bound by the laws of the state in which they are registeredThe powers that state governments have in the United States include being able to license corporations and when they do this, that corporation is bound by their laws.
Corporations would therefore usually look for states with more lenient laws.
In conclusion, corporate charters come from the state government.
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Which is an advantage fixed rate loans have over variable rate loans?
O Interest rates are lower.
O Application costs are lower.
O Long-term budget planning is easier.
O The maximum loan amount is greater.
Answer:
Long-term budget planning is easier
Explanation:
Insurance is _____________ when the possible loss is relatively large compared to the amount of the premium.
Using economic understanding, insurance is "Economically feasible" when the possible loss is relatively large compared to the premium amount.
This is because when an individual insured on a premium account loses huge properties that are considerably large compared to the premium paid, this is economically feasible to such an individual.
For example, if an individual has his vehicle worth $1 million on damaged but has only paid less than $100,000 as insurance fee, such individual would have his car replaced by the insurance firm, despite only paying 10 percent of the car price as insurance fee.
Thus, this situation is considered economically feasible.
Hence, in this case, it is concluded that the correct answer is "Economically feasible."
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Dew Drop Inn had net revenue of $117,000 in 2020 and $100,000 in 2021. Its fixed assets were $400,000 at the end of 2019, $380,000 at the end of 2020, and $360,000 at the end of 2021. In which year was the fixed asset turnover ratio better
Based on the fixed assets and the revenue in the years in question, the year with the better fixed asset turnover ratio was 2020.
The fixed asset turnover ratio is calculated as:
= Revenue / Fixed assets
For 2020 it was:
= 117,000 / 380,000
= 47%
In 2021 it was:
= 100,000 / 360,000
= 28%
The year with the higher ratio is the better year and that year was 2020.
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If the seller (located in Cincinnati) is responsible for all costs of a shipment from Cincinnati to Houston, the shipment will be labeled:
If the seller (located in Cincinnati) is responsible for all costs of a shipment from Cincinnati to Houston, the shipment will be labeled: FOB Houston.
FOB which full meaning is freight on board means that the seller has shipped the goods to the buyer.
Hence, the seller is no longer in the possession of the goods but the buyer because the transfer of ownership has taken place from the seller to the buyer.
In this case the buyer is responsible for any costs or damages that occur during shipping because the goods are now in the control of the buyer.
Based on the information given since the seller (located in Cincinnati) is responsible for all costs of a shipment from Cincinnati to Houston, the shipment will be labeled FOB Houston as the buyer is located in Houston.
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A full-length mirror cost $144. 99 when the CPI was 163. What will a full-length mirror cost when the CPI is 211, to the nearest cent? a. $305. 93 b. $214. 59 c. $187. 68 d. $88. 95.
Answer:
187.68
Explanation:
Cost:CPI
144.99:163
x:211
because we mulitplied 163 by 1.2944 to get to 211 we do the same thing to 144.99
144.99*1.2944=187.6864417
In an insurance contract, the insurer is the only party who makes a legally enforceable promise. What kind of contract is this
Answer:
Unilateral Contract
Explanation:
based on what you know about organizational development what considerations may laura be alluding to
The considerations Laura may be alluding to based on what you know about organizational development is that in an organization open communication and change are essential elements, in addition to the importance of managing human capital.
Every organization is a dynamic system that needs to adapt to new internal and external realities in order to be well positioned in the market, so changing strategies, policies and procedures is a necessity for organizational development.
Human capital management and open communication are also fundamental competences for the creation of an organizational culture focused on the development, motivation, innovation and cooperation of workers.
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Danielle belongs to a temporary team that was created to resolve a specific issue and then disband at a later date. Danielle belongs to a _____ team.
Problem-solving team are known to be people or members of a team from the same department that's involved in efforts to improve work activities. Danielle belongs to a problem solving team.
Members of a problem solving team often share ideas or offer suggestions on how work processes and methods can be improved.
Problem solving is is a vital part of business. It is said as working through difficulties and overcoming challenges. It entails finding solutions helps us to excel and advance forward.
It is known to help company understand the right approach to problem solving and also to work smarter.
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Lately, Marcus has noticed a lot of customer complaints that items purchased from his web store don't meet expectations. What improvement to the website will best help to solve this problem so customers know better what to expect when they buy items from his website
The improvement to this website that would best help to solve the problem so that customers would know what best to expect are High-quality product photos.
The issue is that there is disconnection between what the customers see and what they get.
In order to meet with customer complaints, Marcus has to listen to the problems that they seem to be having.
Then he has to effect the required changes by creating a connection between what his customers see and what they get.
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What do you call to the agreement between the company and the establishment that allows certain staff to charge back the costs and expenses to the company?
Answer:
The Service Level Agreement (SLA)
Explanation:
A service-level agreement (SLA) is a contract between a service provider and its customers that documents what services the provider will furnish and defines the service standards the provider is obligated to meet. A service-level commitment (SLC) is a broader and more generalized form of an SLA. The two differ because an SLA is bidirectional and involves two teams. In contrast, an SLC is a single-directional obligation that establishes what a team can guarantee its customers at any given time.
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if bill performs plumbing upgrades for alice in exchange for her incorporating his business, then their _________________________ will be satisfied.
For performing the plumbing upgrades for Alice while she incorporates Bill's business, they have satisfied each other's _________NEEDS_______ without the exchange of money.
This satisfaction of needs by the exchange of services is a trade by barter. The barter system enables Bill, who is a professional plumber, to upgrade the plumbing system at Alice's house. In payment for the plumbing service, Alice can incorporate Bill's plumbing business.
Thus, the exchange of services satisfies each other's needs without the payment of cash.
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If Marco decides to sell his pet products through an online distribution company, such as Amazon, then what type of intermediary is this
Based on the type of business that Amazon engages in, we can conclude that they are Retailers.
A retail intermediary:
Sells directly to the customer Buys goods from wholesalers and producers Also buys from individuals who wish to sell goodsMarco is hoping to sell his pet products through an online distribution company which would make him a wholesaler and the company he sells through will be a retailer as a result.
In conclusion, this intermediary is a retailer.
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True or false: Manufacturer's reps help small firms, or firms expanding into new markets, achieve extensive sales coverage without having to pay for full-time personnel. True false question. True False
According to business strategy, it is true that manufacturer's reps help small firms or firms expanding into new markets achieve extensive sales coverage without having to pay for full-time personnel.
This is because a manufacturer's rep is responsible for making sales on products made by the manufacturer.
However, while manufacturer's reps help small firms to expand through sales, they only get paid based on commission.
By getting paid based on commission, Manufacturers' reps won't pay full-time.
Hence, in this case, it is concluded that the correct answer is "True."
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When a company sets the date that the final payment is due to the bondholder, they are setting the ________ date.
The company is setting the maturity date when the final payment is due to the bondholder.
The bondholder is the owner of the debt securities which are issued by companies or governments.
The bondholders are the parties who are lending their money to the bond issuers.
So, the bondholders are entitled to periodic repayment of the bond from the bond issuers.
So, when the Final payment is due to the bondholder, the date is addressed as maturity date because that is when the bond contract lapses unless the repayment is not complete.
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As a debtor, federal laws protect your right to:
A. have your wages garnished by a debt collector.
B. delay payments of interest to a debt collector.
C. verify the amount of debt a debt collector claims you owe.
D. be contacted by a debt collector any time of day.
Answer:
C
Debtor-creditor law governs situations where one party is unable to pay a monetary debt to another. There are three types of creditors. First are those who have a lien against a particular piece of property. This property (or proceeds from its sale) must be used to satisfy the debt to the lien-creditor before it can be used to satisfy debts to other creditors. A lien may arise through statute, agreement between the parties, or judicial proceedings. See, e.g., Secured Transactions and Mortgages. Secondly, a creditor may have a priority interest. A priority arises through statutory law. If a creditor has a priority his debt must be paid when the debtor becomes insolvent before other debts. For example, Congress has granted priority to debts owed the Federal government. See Federal Tax Lien Act. The final type of creditor is one who has neither a lien against the debtor's property or is the subject of a statutory priority.
Non-bankruptcy debtor-creditor law arises mainly from state statutory and common law. Tort law, such as defamation, provides a means for state courts to limit private means of debt collection. States also regulate debt collection through statute. Congress has enacted the Fair Debt Collection Practices Act to regulate some debt collectors.
Creditors use judicial and statutory processes to have debts satisfied. Attachment is a limited statutory remedy whereby a creditor has the property of a debtor seized to satisfy a debt. Garnishment allows a creditor to collect part of a debt (for example wages) to satisfy the obligation. Replevin allows a creditor to seize goods, such as a security interest, that he or she has a property interest in, to satisfy the debt. Receivership involves the appointing of a third party by a court to dispose of the debtor's property in order to satisfy the debt. Creditors commonly seek to create a lien on a debtor's property through a judicial process of lien creation, which is governed by state law. Once a lien has been created state statutory law governs how the lien is executed against the debtor's property. The sale of property subject to a lien to satisfy the debt is also governed by state statutory law. Federal and state statutes, and the Federal Consumer Credit Protection Act also limit the type of property that can be used to satisfy a debt.
A debtor may attempt to fraudulently convey a piece of property to avoid having it seized. State laws seek to prevent this type of property transfer. Many states have adopted the Uniform Fraudulent Conveyances Act or its successor, the Uniform Fraudulent Transfer Act.
The federal laws protect the debtor's right to verify the amount of debt that the debt collector claims you owe.
Who is a debt collector?This is the entity that is employed to regularly collects debts owed to others especially when those debts are past.
However, as a debtor, the federal laws protect their right to verify the amount of debt that the debt collector claims they owe.
Therefore, the Option C is correct.
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