The Credit Card Accountability Responsibility and Disclosure (CARD) Act of 2009 was signed into law to protect consumers from unfair credit card practices.
What is credit card?
A credit card is a payment card issued to users (cardholders) to enable the cardholder to pay a merchant for goods and services based on the cardholder’s promise to the card issuer to pay them for the amounts plus the other agreed charges.
The act includes provisions that are especially beneficial to college students who want to open a credit card. It requires issuers to verify a student’s ability to repay before issuing a card, limits the marketing of credit cards on college campuses, and requires issuers to provide clear, understandable terms and conditions of credit card agreements.
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review the budgeting section. if a friend told you they were going to make their side gig full-time, what two pieces of financial advice would you give them?
There are no foolish ideas when you don't have anything to lose. You never know when you can find a sizable market for your special skills and hobbies, so don't be afraid to try new things.
Start with a trial run of your product or service or a soft launch to gauge the response you receive. It's easy to test ideas when beginning a business online, which enables you to launch it quickly and subsequently expand it. You're worried that your day job and side business won't mesh well.
Despite the fact that you should endeavor to avoid any conflicts of interest with your principal work, Palmer claims that firms routinely encourage second occupations. As a result of the fact that employees.
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The six-month zero rate is 8% per annum with semiannual compounding. The price of a one-year bond that provides a coupon of 6% per annum semiannually is 97. What is the one-year continuously compounded zero rate
The zero rate over a year's continuous compounding is 9.02%.
How is compounded semiannually calculated?
Compound interest is calculated using a formula that takes into account the principal, P, the nominal interest rate, I and the quantity of compounding periods. If the interest is compounded, you would apply the formula P[(1+i)n-1] to determine the total amount of interest.
How frequently is semiannual compounding performed each year?
Semiannual refers to every two years.
Brief:
We must have when the rate is R.
97= [tex]3/1.04+103 \text e^{-R\times 1}[/tex]
or
[tex]\mathrm{ e^{-R }}[/tex] = (97-3/1.04)/103
= 0.9137
R = ln(1/0.9137)
= 0.0902 (or 9.02%).
The six-month zero rate has semi-annual compounding and is 8% annually. A one-year bond with a 6% coupon that is paid semi-annually costs $97. The zero rate over a year's continuous compounding is 9.02%.
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how long after your federal taxes are accepted to get refund?
The Refunds are normally processed by the IRS for electronic files with direct transfer within 21 days. Refunds by paper check could take longer to arrive.
Why does IRS exist?The United States federal government's revenue service, the Internal Revenue Service (IRS), is in charge of collecting federal taxes and overseeing the Inland Revenue Code, the major body of federal statutory tax law.
What does the IRS actually do?The IRS's objective is to provide top-notch service to American taxpayers by assisting them in understanding and meeting their tax obligations and in the fair and impartial enforcement of the law.
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true or false: an increasing number of people use word processing software on their various devices, which causes a rightward shift of the demand curve.
True, the demand curve is shifting to the right each year as more individuals use word processing software on their various gadgets.
A demand curve in economics is a graph showing the relationship between the cost of a specific good (the y-axis) and the amount of that good that is desired at that cost (the x-axis). Demand curves can be applied to the price-quantity relationship for a single consumer (a single demand curve) or for all consumers in a specific market (a market demand curve). Demand curves are commonly believed to slope downward, as the following graphic illustrates. Due to the rule of demand, which states that when prices increase, fewer people would buy the majority of the commodities being sold. This law is not applicable in several peculiar circumstances. A few of these are Veblen products.
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This type of business organization is relatively easy to start, and it is subject to much lighter regulatory and paperwork burden than other business forms.Partnership
Sole proprietorship
Corporation
Hybrid organization
Yes, a partnership is a type of business organization that is relatively easy to start and is subject to much lighter regulatory and paperwork burden than other business forms.
What is partnership ?Partnership is a business relationship between two or more people who agree to share the profits and losses of a business venture. Partnerships are typically formed when two or more people come together to start a business, invest in real estate, or provide services. Partnerships can be formalized through written agreements, but they don't have to be.
In a partnership, two or more people agree to share the profits and losses of a business venture. Partnerships are relatively simple to set up and do not require any formal paperwork or registration with the government. However, it is important for partners to have a written agreement that outlines the rights and responsibilities of each partner.
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suppose france's real gdp grew from $750 billion in 2008 to $821 billion in 2009. what was the growth rate of france's real gdp?
The growth rate of France's real GDP is 9.5%.
What exactly is GDP?Gross domestic product (GDP) is a measure of the monetary worth of all final products and services produced and sold (not resold) by countries within a certain time period. Because of its complexity and subjectivity, this metric is frequently changed before being regarded as a credible indication. GDP per capita, on the other hand, does not account for differences in the cost of living and inflation rates among countries; thus, using GDP per capita at purchasing power parity (PPP) may be more useful when comparing living standards among nations, whereas nominal GDP is more useful when comparing national economies on the international market. The contribution of each industry or sector of the economy to the total GDP may also be broken down.
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an investment adviser has just submitted a u-4 registration application for a newly hired salesperson to be registered as an investment adviser representative of the firm. this individual can start soliciting potential clients: a immediately because the u-4 application has been filed with the state b once the appropriate licensing test has been passed c once the state administrator approves the application d once the appropriate licensing fee has been paid
An investment adviser has just submitted a u-4 registration application This individual can start soliciting potential clients: Once the state administrator approves the application.
Option C is correct.
What is registration for U4?The uniform application for registration or transfer in the securities industry is Form U4. To become registered in the appropriate jurisdictions and/or SRO, representatives of broker-dealers, investment advisers, or issuers of securities are required to use this form.
Investment adviser :An individual or business is an investment adviser if they are paid to advise clients on securities. Investment advisers and financial advisors are not the same thing, despite the terms sounding similar.
Why is an investment advisor necessary?According to Lawrence, "a financial advisor can assist you in thinking about the ways you could put that money to work toward your personal and financial goals." You should consider how much you could put toward paying off existing debt and how much you could put into investments for a more secure future.
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if the own price elasticity of demand is infinite in absolute value, then multiple choice consumers do not respond at all to changes in price. demand is neither perfectly inelastic nor is the demand curve horizontal. the demand curve is horizontal. demand is perfectly inelastic.
the demand curve is horizontal, Because demand in this situation is fully elastic, quantity demanded will decrease to zero even with little price adjustments.
Curves that alter the alignment or direction of the road are referred to as horizontal curves (as opposed to vertical curves, which change the slope). Horizontal curves are those that alter alignment or direction, and vertical curves are those that alter slope. the bend that separates two sections of a straight road with varying grades. For haulages, the curve offers a gentle transition from one inclination to the other. An inclined plane would have a convex curve at the top or brow and a concave curve at the bottom. If a given shift in investment demand results in a high marginal propensity to spend, then the national income and product will grow significantly.
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(01. 01 LC)
Why might a person choose to attend a four-year university over a
technical school? (5 points)
The demand for certain trades is low.
The cost is lower than a technical school,
O Entering the workforce sooner is appealing.
There are more options and greater earning potential.
There are more options and greater earning potential, that's Why might a person choose to attend a four-year university over a technical school.
What are technical schools?The United Nations believes that technical education is essential for adapting to new technology. The global development of literacy, transversal, and citizenship skills is the goal of Technical and Vocational Education and Training (TVET), according to various UN bodies.After completing a course that teaches specific education courses based on an occupational skill set, a technical degree is a certification. This can be chosen by students either while still in high school or prior to pursuing a bachelor's degree. There are degrees that also include vocational subjects.Students who know what they want to do professionally and want to start working right away are the ideal candidates for a technical school program. However, it also works well for people who want to switch careers or colleges.Everything you need to know about technical schools is covered in this article. This article is also for people who just want to improve their skills and learn something new.learn more about the importance of university over technical school
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A nurse is preparing to administer bisacodyl suppsitory to a client. Which of the following actions should the nurse take? Select all that apply.
A) position client supine with knees bent
B) Lubricate index finger
C) Insert suppository just beyond internal sphincter
D) Use rectal applicator for insertion
E) Don sterile gloves
Use your index finger to lubricate the suppository's rounded end.
Nurse carefully retracts buttocks and passes into anus through the internal sphincter to place suppository slightly beyond it.
What is Bisacodyl suppsitory ?Bisacodyl is a well-known laxative stimulant. By facilitating bowel movement so you may poop more easily, it reduces constipation. It also makes your poop softer. The effects of bisacodyl pills last 6 to 12 hours. It's important to be near to a restroom after using suppositories because they take 10 to 45 minutes to take effect.
Many users of this medicine report no significant negative effects. If you have any severe side effects, such as persistent diarrhea or rectal bleeding/blisters, call your doctor straight once. Dehydration may arise from persistent diarrhea.
Rectal mucosal irritation, a burning feeling, and mild proctitis may result after the use of bisacodyl (the active component in Dulcolax) suspensions or suppositories.
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Being a manager can be one of the greatest avenues to a meaningful life, particularly if the manager ____ is working within a supportive or interesting organizational culture.
One of the best paths to a fulfilling existence can be management, especially if somehow the manager is part of an inspiring or engaging company culture.
what it entails to be a manager?The traditional definition of a manager only includes the coordination of other people's actions. Managers just coordinate other people's efforts to achieve goals.
What is a manager's primary objective?Maintaining the essential quality standards for the firm is one of management's fundamental goals. To establish, implement, and sustain quality, the team works in conjunction with other departments, managers, and staff members.
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differences between departmental stores and chain stores
Answer:
Chain stores and department stores are two distinct ideas. Department stores have a long history of providing a wide range of products for retail sale, whereas chain shops are retail establishments with the same name and management in numerous locations. Contrary to popular belief, not all department shops are part of a chain. There are numerous chains that aren't thought of as department stores, including eateries and speciality shops. One of the most well-known chained department shops is Macy's, located on Herald Square in New York City.
A department store is often a sizable retail space that provides a wide range of products divided into distinct sections. Retail establishments that are part of a chain share a brand and centralised management. They frequently include standardised corporate procedures.
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chemco inc. expends funds and takes steps to ensure that all employees are treated fairly, and that they are acting ethically and are accountable to society. this is the concept of:
When profit maximization is the goal, a company does not benefit from ethical behavior. Under the "stakeholder view" no group ever has a greater stake in company decisions ..
Utilitarianism is an ethical theory that determines right from wrong by focusing on outcomes. It is a form of consequentialism. Utilitarianism holds that the most ethical choice is the one that will produce the greatest good for the greatest number. congress does not pass laws based on ethics. It can be difficult to predict with certainty how a court will apply a given law to a particular action. The term moral minimum is best defined as the highest degree of ethical behavior expected of a firm. In one sense, the answer is clearly "yes." there are plenty of examples of businesses and their employees who make good decisions that also turn out to be profitable. Yet we know that doing what's ethically right does not always contribute to short-term profits.
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Review a few of the major employment categories below. In order to reference the pay series and grade from the GS Rating System, in which category does the Government Publishing Office belong?
0100 – Social Science, Psychology, and Welfare Group
0200 – Human Resources Management Group
0500 – Accounting and Budget Group
1200 – Copyright, Patent, and Trademark Group
1000 – Information and Arts Group/2200 – Information Technology Group
1700 – Education Group/0900 – Legal and Kindred Group
1900 – Quality Assurance, Inspection, and Grading Group/1900 – Quality Assurance, Inspection, and Grading Group
helpppp
The category does the Government Publishing Office belong to is 1200 – Copyright, Patent, and Trademark Group.
What are Copyright, Patent, and Trademark?Copyright, Patent, and Trademark are referred to as tools that are used for protecting the work of any scientist, author, or innovator from copying and claiming their rights.
The Government Publishing Office to This group as it supports the publishing of the work and requires permission for making the process or product for duplicating.
It restricts the person to stole the original procedure and applies heavy penalties for violating the policies under intellectual property law.
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Which of these correctly defines a role of investments?
a. Investments address the timing of cash flows most desired by investors.
b. Accounting records past activities of a firm while finance helps with decisions regarding the firm's future.
c. A financial institution facilitates cash flows between investors and companies.
d. The value of a financial asset is determined by the asset's expected future cash flows.
Investments address the timing of the cash flows that investors value the most. appropriately describes an investment's function.
What part does the balance play in the company's investment?The company's net value, whether it has enough cash and short-term assets to pay its obligations, and whether it is heavily indebted in comparison to its competitors are all problems that the balance sheet may help with.
On what foundation are investments recorded in accounting?A reference to the investment's market value, the investee's assets and performance, and the anticipated cash flows from the investment will yield indicators of the worth of the investment. Another factor considered is the kind and size of the investor's stake in the investee.
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which of the following statements about capitalizing costs is correct? group of answer choices capitalizing costs refers to the process of converting assets to expenses. only the purchase price of the asset is capitalized. capitalizing a cost means to record it as an asset, not as an expense. capitalizing costs results in an immediate decrease in net income.
The correct statement is (c) capitalizing a cost means to record it as an asset, not as an expense.
A cost or expense is capitalized when it is recorded on the balance sheet with the intention of postponing the expense's full realization. In general, capitalization costs is advantageous since businesses can amortise or depreciate them when they incur new assets with long lifespans. Capitalization is the term for this action. The idea of turning an idea into a company or investment is another example of capitalization. Capitalization in finance is a numerical evaluation of a company's capital structure. It can also indicate to commercialise when used in this manner. In corporate accounting, capitalization is utilized to match the timing of cash flows.
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what impact would an increase in net income have on a firm's retained earnings if the firm did not pay a cash dividend?
The method a firm uses to distribute its profits to its shareholders is what distinguishes net income from dividends.
Does net income include cash dividends?A company's net income or profit are unaffected by stock and cash dividends. Dividends, on the other hand, have an effect on the shareholders' equity area of the balance sheet.
The difference between net income and dividends is how a corporation shares its profits with its shareholders. All companies desire to generate revenue, and the more the better. Dividends are a common way for public firms to give their shareholders a piece of the profits they make.
A company's income statement is unaffected by cash dividends. However, they reduce the cash balance and shareholders' equity by the same amount in a corporation. Any cash dividend must be disclosed by companies as payments in the area of their cash flow statement devoted to financing activities.
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Judy Flint owns and operates Derby Advertising Services. On January 1, 2018, Judy Flint, Capital had a balance of $154,150. During the year, Judy invested an additional $7,700 and withdrew $54,000. For the year ended December 31, 2018, Derby Advertising Services reported a net income of $42,700. Prepare a statement of owner's equity for the year ended December 31, 2018. Use the minus sign to indicate negative values
A statement of owner's equity for the year ended with $49750.
How do you create an owner's equity statement?The general accounting equation may be written as follows: Opening equity balance + net income/capital contributions - net loss/withdrawals = ending equity balance. The exact calculations, however, will depend on your firm and may be more or less complicated.Owner's equity is calculated as follows: Assets minus Liabilities equals Owner's Equity. A balance sheet may be used to calculate assets, liabilities, and then owner's equity.Owner's equity may be calculated as the sum of the owner's initial investment in the company less any withdrawals made by the owner. Consider this: If a construction project is worthCapital had a balance of $154,150.
$ 7,700, 42,700, $54,000 and the loan balance is,
$154,150 - ($ 7,700 + 42,700 + $54,000) = 49750.
A statement of owner's equity for the year ended with 49750.
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why do some store offer senior citizen discounts on tuesdays? group of answer choices senior citizens have perfectly inelastic demand curves, while other shoppers do not. senior citizens have more elastic demands compared to other shoppers. most stores are perfect competitors in their geographic region. senior citizens have less elastic demands compared to other shoppers.
In the 1930s, when America's senior citizens were disproportionately poor and the Depression wiped out everyone's savings, the notion that seniors are a group in need of assistance and protection first emerged.
What is the discount for senior citizens?
The discount should not be restricted below the 20% rate in any way, shape, or form. Senior citizens who purchase goods will receive a 20% discount based on the selling price before VAT.
How can we safeguard the elderly?
Law must guarantee the elderly their inherent right to life, dignity, and personal integrity. The elderly have the right to be free from exploitation, abuse, and neglect. The elderly have the right to not be treated differently.
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as she received her performance review, jenna was surprised by several criticisms that she felt were inaccurate. how should she react to the criticism? a. jenna should blame others in the department for any negative comments. b. jenna should interrupt her supervisor frequently to comment on the suggestions being made and defend her position at every opportunity. c. jenna should ask for clarification of the comments when necessary. d. jenna should agree with all the comments being made in order to avoid any type of conflict or confrontation with her supervisor.
D) Jenna ought to concur with all of the remarks in order to steer clear of any kind of argument or confrontation with her superior.
In electronic communication, why shouldn't underlined words be used?Although these characteristics can be utilized to emphasize a point, too much of a good thing quickly becomes bad. It's possible that an email with a lot of bold, italic, and underlined text will come across as rude or even aggressive. It is merely confusing and disorienting.
In communication, what are the three types of messages?Keep in mind that you will be communicating three distinct types of messages when thinking about how to use verbal communication effectively: (Hasling, 1998), primary, secondary, and auxiliary.
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why might it be better to keep your emergency fund money in a separate account?
Keeping your emergency fund money in a separate account can be beneficial for a few reasons: a.Accessibility b.Protection
Accessibility: Having your emergency fund in a separate account can make it more easily accessible in case of an emergency. Having it in a separate account ensures that you won't have to go through the process of transferring money from other accounts, which could take time.Avoid spending: Keeping your emergency fund in a separate account can help prevent you from spending it on non-emergency expenses. When it's in a separate account, it's less likely to be used for impulse purchases or other non-essential expenses.Protection: Keeping your emergency fund in a separate account can also help protect it from market fluctuations. If your emergency fund is in a savings or money market account, it will be less likely to lose value during market downturns.Improving financial discipline: By having a specific account for emergency funds, it makes it easier to track and monitor the funds, and it can help to improve financial discipline.Overall, having a separate account for your emergency fund can help you feel more secure, financially prepared and it can make it easier to save and access money when unexpected events occur.
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a choice made using the marginal principle: group of answer choices involves distinguishing between microeconomics and macroeconomics. is an analysis of costs, benefits, and trade-offs. is a choice regarding whether to do a little more or a little less of an activity. involves comparing the costs and benefits of an activity
involves comparing the costs and benefits of an activity, A decision based on the marginal principle entails weighing the advantages and disadvantages of a certain course of action.
A study of an activity's additional benefits in relation to its additional expenditures is known as the marginal principle (MB) (MC). Marginal refers to the emphasis on the expense or benefit of the subsequent unit or person, such as the cost of producing an additional widget or the revenue generated by hiring an additional employee. By dividing the overall change in the cost of manufacturing additional items by the change in the quantity of goods produced, it is determined. In terms of economics, the word "marginal" has a similar connotation to "additional." When the phrase is used in a work on business, finance, or economics, it typically refers to something that will be added to what already existed.
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the short run is a period when there are blank costs. multiple choice question. only variable costs only cash only fixed costs both fixed and variable
Both fixed and variable costs have blank costs in the near future. Therefore, option D is the right one.
In economics, a "short-run period" is a future time of production where the value of one input changes but the values of the other input components stay the same. The costs linked to the variable manufacturing elements are known as variable costs.
Some things are predictable in the short term while others are unpredictable. As a result, while certain expenses are variable in the short term, others remain set. There is abundance of time for all the variables to change in the long run.
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in a market economy, the distribution of income is a equitable because people who are willing to work earn income. b primarily determined by the government through its power to tax. c primarily determined by he prices of scarce resource people own. d always more equal than in a command economy. e distributed on the basis of need.
Increased equality, quicker growth, and quicker poverty eradication are all benefits of income redistribution, particularly in developing economies.
An expression for development is what?
To build muscles properly, a person must eat a healthy diet. Numerous chances for job advancement are available at the organization. As of right now, the initiative is still in its infancy. I make an effort to follow changes in computer technology.
To strengthen her back muscles, she has been working out frequently. A book based on the tale was later produced. Tourism is the main source of income for the island. Because of the training, your writing will get better.
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when adam smith's ten pin workers specialized, they were able to increase output of pins in a day from 200 to 48,000. one reason for the increase in pin output was due to
Adam Smith's 10 pin workers were able to raise daily production of pins from 200 to 48,000 when they became more specialised. The growth in pin output can be attributed, in part, to the workers' increasing mastery of their individual tasks.
A worker is a person engaged in productive activities that support the flow of commodities and services through the economy. In other words, a worker is seen as an economic actor who boosts the GDP in a given year by contributing to the creation of products and services. Anyone who works is potentially a worker. The phrase frequently, but not always, refers to a worker in an industrial or manual vocation. In contrast, there are situations when we use the word in the same sense as "employee," as in the sentence "Apple Inc. has more than 123,000 workers." The phrase may also be used to describe someone from the working class.
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paula invested $370. the interest earned is 4%, compounded annually. at the end of two years, paula will have about:
Paula invested $370 with the interest earned is 4%, compounded annually, at the end of two years, Paula will have received about $400.192 as the compound amount.
A = P(1+i)^ n
A = $370(1+4%)^ 2
A = $400.192
Compound interest is the addition of hobby to the major sum of a mortgage or deposit, or in other words, hobby on principal plus interest. it is the end result of reinvesting the hobby adding it to the loaned capital in place of paying it out, or requiring a fee from the borrower so that the hobby within the subsequent duration is then earned at the essential sum plus previously gathered hobby. Compound interest is preferred in finance and economics.
A compound hobby is contrasted with a simple hobby, wherein a formerly accumulated hobby is not delivered to the principal quantity of the current duration, so there is no compounding. The simple annual interest charge is the hobby quantity in step with length, extended with the aid of the range of durations in step with year. The easy annual hobby charge is also called the nominal hobby price (now not to be careworn with the hobby price not adjusted for inflation, which goes by the equal call).
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After two years, Paula will have gotten roughly $400.192 as the compound amount after investing $370 with an interest rate of 4%, compounded yearly.
Compound interest, also known as interest on principle and interest, is the hobby that is added to the principal amount of a mortgage or deposit. By reinvesting the hobby and adding it to the lent capital rather than paying it out or charging the borrower a charge, the goal is to earn the hobby during the course of the loan at the necessary amount plus previously accumulated hobby. It is favored in finance and economics to use compound interest.
A simple hobby, in contrast, does not supply a previously collected hobby to the major amount of the present period, preventing compounding.
Principal= $370
Interest = 4%
Period = 2 years
A = [tex]P(1+i)^ n[/tex]
A = [tex]$370(1+4\%)^ 2[/tex]
A = $400.192
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as you worked on finalizing your project plan, what methods did you use to optimize the plan for time and cost?
Finding the project length that results in the lowest total cost achievable is the aim of time cost optimization.
What is an optimize?to achieve the highest degree of efficiency, perfection, or utility. best effort possible Computers. the act of writing or rewriting (programmed instructions) to increase retrieval, storage, or execution efficiency and speed.Making the best use of something is what the word "optimize" refers to. Cleaning and organizing your closets and drawers will help you store the most items possible in them if you want to maximize your home's storage space.The term "optimize" refers to the arrangement or design of a plan, system, or machine in order to maximize its effectiveness. Gaining the most advantage or profit from a situation or opportunity is known as optimizing it.To learn more about optimize refer to:
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as the spouse of the founder of stonyfield farm, meg cadoux hirshberg serves the family business in a typical but critical role of
Supporting Greg through the many hours the business requires.
What is the purpose of Greg Abbott?Gregory Wayne Abbott (born November 13, 1957) is a Texas politician, attorney, and former judge who has served as the state’s 48th governor since 2015. He was the Republican Party’s 50th Attorney General of Texas from 2002 to 2015, as well as a member of the Texas Supreme Court from 1996 to 2001.
Greg Abbott is the 48th and current governor ®. On January 20, 2015, he took over for Rick Perry ®. Perry served as the state’s governor for the longest time, from 2000 to 2015. Abbott previously served as Texas Attorney General from 2002 until 2015.
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short run decisions are: group of answer choices constrained because some inputs are fixed while others are variable. constrained because all inputs are variable. unconstrained constrained because all inputs are fixed.
In the short-run decisions, certain inputs are changeable, while others are constant. Hence, the correct answer is some inputs are fixed while others are variable.
In economics, what is a short-run decision?In economics, a Short Run is a manufacturing planning phase during which a company attempts to fulfill market demand by holding one or more production inputs constant while adjusting others. It varies by industry and differs from the long run in that the latter takes into account all inputs as variables. The notion is applicable to any future production period with no time limits, such as weekly or monthly deadlines. This imagined time typically represents a product's unexpected or seasonal demand. Every manufacturing process has various inputs that a company may adjust or not change based on its output needs.
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what do sellers of a product do when they expect the price of the goods they sell to increase dramatically in the near future?
Answer:
Store the goods until prices rises.