A lifting clause is the clause that gives the borrower the ability to replace the primary finance instrument with another without affecting the position of the subordinate instrument.
What is a lifting clause?In a financial market or dealing, the lifting clause refers to thr provision in a second, third, or junior mortgage that typically allows the liens ahead of it to be paid off and refinanced for the same or a lesser amount; all these without sacrificing their priority in lien positions.
In a mortgage deal, without the lifting clause, an investors with second mortgages could never refinance the first ones because, the instant the first mortgage was paid off and the second lien-holder would immediately advance to first position.
In conclusion, the lifting clause is the clause that gives the borrower the ability to replace the primary finance instrument with another without affecting the position of the subordinate instrument.
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at one point in the evolution of marketing, the united states entered a buyer's market and the customer became king. which era is being described?
Market-Oriented era is being described. Market orientation is a business approach that focuses on identifying consumer wants and desires and developing products and services to suit those needs. The Coca-Cola Company's mission statement reflects market orientation: "Consumer demand drives all we do."
For example, if a car business practices market orientation, it will research what buyers want and need in a car rather than producing models designed to mimic the trends of other manufacturers. For example, if a car business practices market orientation, it will research what Consumer want and need in a car rather than producing models designed to mimic the trends of other manufacturers.
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In analyzing the pharmaceutical industry for a prospective business launch, nicole turco, a ph. D. In pharmacology, concluded that the industry was attractive because the threat of substitutes is ___________.
In analyzing the pharmaceutical industry for a prospective business launch, Nicole Turco concluded that the industry was attractive because the threat of substitutes is low.
What is known as substitutes?Basically, a substitute refers to the product or service that can be easily replaced with another by consumers; in consumer theory, it refers to the product or service that consumers see as essentially the same or similar-enough to another product, that is, it is a good that can be used in place of another.
It play an important part in the marketplace and are considered a benefit for consumers as they provide more choices for consumers who are then better able to satisfy their needs. It also provide choices and alternatives for consumers while creating competition and lower prices in the marketplace.
Therefore, In the analysis of the pharmaceutical industry for a prospective business launch by Nicole Turco, he concluded that the industry was attractive because the threat of substitutes is low.
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marta's display campaign has delivered results beyond her expectations. she knows she increase returns with added spend, but that's not possible for her at the moment.
Marta’s Display campaign has delivered results beyond her expectations. She knows she increase returns with added spend, but that’s not possible for her at the moment. A performance planner would benefit her in this situation.
How would a performance planner benefit her in this situation?By teaching her employees the fundamentals of personal budgeting.By optimizing her available ad budget for maximum growth.By finding areas of her total budget that could contribute to marketing.By determining which of ads are most appropriate for her brand.To learn more performance planner, refer: https://brainly.com/question/17282947?referrer=searchResults
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you believe you will spend $30,000 a year for 10 years once you retire in 20 years. if the interest rate is 5% per year, how much must you save each year until retirement to meet your retirement goal?
Annual saving would be $ 7,005.76
What do you understand by interest rate?An interest rate provides information on how costly borrowing is or how profitable saving is. As a result, the amount you pay for borrowing money, stated as a percentage of the total loan amount, is the interest rate if you are a borrower.
Rate increases are typically a positive thing for saving money. With an increase in interest rates, certificates of deposit (CDs), money market accounts, and savings accounts all receive more interest. Savings enthusiasts so receive a higher return on the money they invest in bank accounts or CDs.
Calculation of amount needed in 20 years to spend over next 10 years
value of money 20 years from now = Annual Cash flow
x Present value of annuity of 1
= $ 30,000x 7.721735
= $2,31,652.05;
Working:-
Present value of annuity of 1$ = (1- (1+i)^-n) /;
Where,
= (1-(1+0.05)^-10)/0.05;
i;5%
= 7.721734929;
10 years Annual saving is given as Annual saving =
Future value of annual cash flows/ Future value of annuity of 1$
= $2,31,652.05/33.06595
=$7,005.76
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A system of management based on involving all employees in a constant process of improving quality and productivity by improving how they work is known as?
Total Quality Management is a management philosophy that centers on incorporating all staff members in a continuous process of raising standards for both product quality and worker efficiency.
Total quality management (TQM) is a method to management that focuses on long-term success via customer satisfaction. In a TQM initiative, every employee of an organization takes part in enhancing their workplace's processes, goods, and services.
TQM may be summed up as a management framework for a client-centered business that incorporates all staff members in ongoing development. To incorporate the quality discipline into the organization's culture and operations, it makes use of strategy, data, and effective communications. The new quality management systems that replaced TQM contain many of these ideas.
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Palm coconut oils are more like animal fats than other plant oils. because they __________ than other plant oils, they may contribute to cardiovascular diseas
Palm coconut oils are more like animal fats than other plant oils. because they ___Have fewer double bonds_______ than other plant oils, they may contribute to cardiovascular disease
Heart failure, stroke, hypertensive heart disease, rheumatic heart disease, cardiomyopathy, abnormal heart rhythms, congenital heart disease, valvular heart disease, carditis, aortic aneurysms, peripheral artery disease, thromboembolic disease, and venous thrombosis are other CVDs. Coronary artery diseases (CAD) include angina and myocardial infarction (commonly known as a heart
Cardiovascular disease is a term used to describe a variety of conditions that can affect the heart. The underlying mechanisms differ depending on the disease. It is estimated that dietary risk factors are associated with 53% of CVD deaths. Coronary artery disease, stroke, and peripheral artery disease all involve atherosclerosis. causes and treatment of cardiovascular disease.
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When auditing the archiving process of emails, the is auditor should pay the most attention to?
The auditor should pay the most attention to the existence of a data retention policy.
A crucial stage in the lifecycle of a record is the retention policy, which is also known as the "schedule." It explains how long a company must maintain a piece of information (a record), where it is kept, and how to get rid of the record once its time has passed. It appears quite simple, and in some ways, it is.
Depending on the type of record, the retention period starts at a particular moment. A financial record, for instance, begins to be retained on July 1 of the following year. Another illustration would be the fact that the records of a job search must be kept for a certain amount of time after the hiring decision has been made.
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Indicate whether the following statements about the conceptual framework are?
true or false
Indicate whether the following statements about the conceptual framework are True.
What is conceptual framework ?An analytical instrument with numerous iterations and applications is a conceptual framework. Where an overall picture is required, it can be used in a variety of task categories. To distinguish between concepts and arrange ideas, it is employed. Realistic concepts are captured by strong conceptual frameworks in an approach that is simple to understand and use.
In order to draw distinctions between the conceptual worldviews of significant thinkers and novelists, Isaiah Berlin employed the metaphors of a "fox" and a "hedgehog." Berlin characterizes hedgehogs as people who view the world via a single notion or organizing principle (such as Dante Alighieri, Blaise Pascal, Fyodor Dostoyevsky, Plato, Henrik Ibsen and Georg Wilhelm Friedrich Hegel).
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inaccurate can lead to excess and/or shortages throughout the organization and the supply chain.
Inaccurate can lead to either excess or shortages throughout the organization and the supply chain.
What is a supply chain?The network of all the people, businesses, resources, tasks, activities, and technological advancements involved in the production and distribution of a good is known as a supply chain. Every stage of the process, from the movement of raw materials from the supplier to the producer to the ultimate distribution to the client, is included in a supply chain.
Farming, refinement, design, manufacturing, packaging, and transportation are a few instances of supply chain operations.
For the planning, design, manufacturing, inventory, and distribution phases necessary to create and market a company's goods, SCM offers centralized control. By coordinating the actions of the various supply chain participants, supply chain management aims to increase efficiency.
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Courts use a/an ______________________ to halt speech that is outside constitutional protection, like obscenity and false advertising.
Courts use a/an First Amendment to halt speech that is outside constitutional protection, like obscenity and false advertising.
The First Amendment ensures freedoms regarding religion, expression, assembly, and the proper to petition. It forbids Congress from both promoting one faith over others and also proscribing an individual's spiritual practices.
Congress shall make no law respecting an establishment of religion, or prohibiting the free exercising thereof; or abridging the liberty of speech, or of the clicking; or the proper of the human beings peaceably to bring together, and to petition the authorities for a redress of grievances.
The First Amendment lets in people to believe and practice something religion they want. They can also select now not to observe any faith. The government can, but, alter non secular practices inclusive of human sacrifice or unlawful drug use. Freedom of Speech.
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________________________ means a company features a uniform product and message across countries.
Standardization way an employer features a uniform product and message across countries.
A product is an item provided for sale. A product may be a carrier or an object. it can be bodily or in digital or cyber shape. each product is made at a value and everyone is bought at a charge. The rate that can be charged relies upon the market, the great, the advertising, and the phase that is targeted.
A product is any object or provider you sell to serve a consumer's need or need. They can be physical or digital. bodily products encompass long-lasting items (consisting of motors, furnishings, and computer systems) and nondurable items (such as meals and liquids).
The term "product " refers to the end result of one or greater multiplications. for example, the mathematical statement could be examined as " times equal," which is known as the multiplier, the multiplicand, and their product. In advertising, a product is an item, machine, or service made to be had for patron use as of the purchaser demand; it is whatever that can be provided to a marketplace to satisfy the choice or need of a purchaser.
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If an entrepreneur believes in himself/herself and that their accomplishments and setbacks are within their own control, they possess a(n)?
If an entrepreneur believes in himself/herself and that their accomplishments and setbacks are within their own control, they possess an internal locus of control.
Confident businesspeople attract what they want. They put their best foot forward when speaking with potential customers, and those customers pick up on their enthusiasm and assurance. Others will believe in you when you are confident in yourself and know that you are the ideal person to complete the task. The internal locus of control of entrepreneurs is frequently very strong. The idea of locus of control describes whether a person thinks they are in charge of their future or that someone else is. For instance, we've all met folks who feel powerless over their life.
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Assets created by selling goods and services on credit are: multiple choice accounts payable. accounts receivable. liabilities. expenses. equity.
An asset created by selling goods and services on credit score is money owed receivable.
An asset is a resource with a financial value that a person, company, or the USA owns or controls with the expectancy that it will offer a future gain. property is mentioned on an employer's stability sheet. they're labeled as modern-day, fixed, economic, and intangible.
In monetary accounting, an asset is any useful resource owned or managed through a business or a financial entity. it's miles anything that may be used to produce fantastic financial cost. assets represent the fee of ownership that may be transformed into coins. assets can be grouped into two primary classes: tangible property and intangible assets. Tangible assets comprise various subclasses, along with contemporary property and glued assets. modern assets encompass coins, stock, and accounts receivable, even as constant belongings consist of land, buildings and equipment. Intangible assets are non-bodily assets and rights that have a price to the firm due to the fact they provide the company an advantage within the marketplace.
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It is argued that it is in the interest of business to protect the environment because:_________
It is argued that it is in the interest of business to protect the environment because Creating defined policies and plans for procuring high-quality raw materials, utilizing cutting-edge technology, employing scientific disposal and waste management approaches, and developing employee skills for pollution control.
Reducing your company's environmental business effect will increase its long-term viability. If your company is less reliant on natural resources than its competitors and has strategies in place to deal with rising expenses due to climate change, it will have a better chance of long-term success. The environment has an important role in the survival of civilization and enterprises.
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break-even analysis determines what sales volume must be reached for a product before the company's total revenue equals total costs.
It is True that break-even analysis determines what sales volume must be reached for a product before the company's total revenue equals total costs.
How does break - even analysis determines?A specified ideal sales mix or the volume of output can be determined using break-even analysis. The metrics and computations employed in the research are not used by outside parties like investors, regulators, or financial institutions; instead, they are intended solely for a company's management to use.
The break-even point is calculated in this sort of study (BEP). By dividing the entire fixed production costs by the cost per unit less the variable production costs, the break-even point is determined. Fixed costs are expenses that don't change no matter how many units are sold.
The amount of fixed expenses is compared to the profit generated by each extra unit produced and sold in a break-even analysis.
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luzadis company makes furniture using the latest automated technology. the company uses a job-order costing system and applies manufacturing overhead cost to products on the basis of machine-hours. the predetermined overhead rate was based on a cost formula that estimates $592,000 of total manufacturing overhead for an estimated activity level of 74,000 machine-hours.
luzadis company makes furniture using the latest automated technology, total manufacturing is Machine-hours 60,000, and Manufacturing overhead costs $ 850,000.
Define automated technology.
Automation refers to technological applications where the amount of human input is reduced. This encompasses personal applications including home automation, business process automation (BPA), and IT automation. All procedures and tools that allow factories and systems to run automatically fall under the category of automation technology. These consist of tools, equipment, and other tools. Minimal human intervention is used. Examples of fixed automation include automatic assembly lines, specific chemical processes, and machining transfer lines used in the automotive sector. A type of automation for batch production is programmable automation. Automation is generally understood to be a technology that involves carrying out a process using programmed commands along with automatic feedback control to assure the proper execution of the instructions.
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had no stock transactions in 2021, so the change in stockholders' equity for 2021 was due to net income and dividends. if dividends were $45,000, how much was murphy's net income for 2021? use the accounting equation and the statement of retained earnings.
The statement of retained earnings is $539,000.
A dividend is when a employer distributes earnings to its shareholders. while a organization makes a income or surplus, it is able to pay a part of the profit to its shareholders as dividends. amounts now not allotted might be reinvested inside the business enterprise.
Dividends are usually paid to shareholders quarterly, even though some groups pay dividends semi-yearly. payments may be received as coins or reinvested in enterprise stock. Dividends indicate that a business enterprise has solid cash go with the flow and is worthwhile, and also can offer a non-stop profits circulate for buyers.
Equity = Total Assets – Total Liabilities
Dec’18 = 540,000-37000 = $503,000
Dec’17 = 38000-24000 = $14,000
Change in Equity during the year i.e. Change in retained earnings = 503000-14000 = $489,000
Net Income = Dividends + Change in retained earnings
= 50,000+489000
= $539,000
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Gifts galore had $189,000 of sales revenue from wrapping paper sales last year. total contribution margin was $100,170 and total fixed expenses were $27,500. the contribution margin ratio was?
the contribution margin ratio was 53%
(100,170/189,000 = 53%)
What is Margin ratio?
The capacity of a business to convert revenues into profits is gauged by margin ratios. Without a reference point, standalone data just offers a snapshot and has limited relevance. Applications for margin ratios include credit research, firm performance, and valuation.
At different levels of assessment, margin ratios show the company's capacity to turn revenues into profits. Examples include operational margin, net margin, cash flow margin, EBIT, EBITDA, EBITDAR, NOPAT, operating expense ratio, and overhead ratio.
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answer: question 6 what are some common activities of an hrpp or irb office? (select all that apply)
To make sure that the IRB has all of the data important to approve the studies, many HRPP or IRB places of work paintings carefully with investigators and studies groups to cope with any initial worries and offer all important documentation and data previous to the preliminary review.
What is the difference between an HRPP and IRB office?An IRB workplace is a studies organization this is answerable for making sure the protection of human members in studies. The workplace guarantees that the take look follows moral requirements and regulations. The IRB workplace is answerable for making sure the studies are moral and follows all rules, federal regulations, or the rules of the organization.
It additionally guarantees that the human members are blanketed from any ability risks, together with bodily and mental harm. The IRB workplace serves as a mediator for conflicts approximately studies proposals or subjects' rights.
HRPP stands for Human Resources Professional Practices, that's fixed of suggestions that HR specialists observe to make certain they're following the law, rules, and procedures.
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When are economists most likely to use the bond market approach to analyze changes in interest rates? when are economists most likely to use the loanable funds approach?
The medium-term bond market model concentrates on changes in the bond market. When considering global savings and long-term global interest rates, the loanable funds model is typically a long-term model.
In exchange for regular interest payments, a bondholder loans money to a business or the government for a predetermined length of time. When the bond matures, the bond's issuer pays the investor their money back.
Similar to an IOU, a bond is a debt obligation. By purchasing corporate bonds, investors are making a loan to the corporation issuing the bond. In exchange, the business agrees in writing to pay interest on the principal when the bond matures and, in most situations, to return the principal.
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one of your clients wants to withdraw $30,000 from his traditional ira. the client is 35 years old and needs the cash for a medical emergency. you should advise your client
one of your clients wants to withdraw $30,000 from his traditional ira. the client is 35 years old and needs the cash for a medical emergency. you should advise your client that they may be able to do this penalty free but should verify with their tax advisor
A financial specialist with advanced training in tax accounting and tax law is a tax advisor. The assistance of a tax counselor is typically sought out in complex financial situations in order to reduce taxes due while maintaining legal compliance. Certified Public Accountants (CPAs), tax lawyers, enrolled agents, and some financial consultants are examples of tax advisors. The Internal Revenue Service regulates tax consultants and preparers, but does not issue licenses to them (IRS). Regulation 10.33(a) of Treasury Department Circular No. 230 describes the obligations and moral obligations of tax consultants.
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suppose your weekly earnings (the number on your paychecks) increase by 2 percent over the course of a year and prices in the economy rise by 3 percent. in this case, your earnings have increased and your earnings have decreased. please choose the correct answer from the following choices, and then select the submit answer button. answer choices
Suppose your weekly earnings (the number on your paychecks) decrease by 2 percent over the course of a year, and prices in the economy fall by 3 percent. In this case, your nominal earnings have Fallen and your real earnings have risen.
What is the economy?Economics can be defined as the market conditions that can be evaluated. It is regarding the trade and the buying and selling of goods and services. It is generally related to the amount of money flowing in the market.
Let's say that over the course of a year, your weekly wages decline by 2 percent, while prices throughout the economy reduce by 3 percent. Your real profits have increased in this instance, but your nominal earnings have decreased.
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a qualitative materiality is an amount set by the auditor that is less than planning the materiality and is used to make decisions about the extent of audit proedures for a particular class of transaction
A performance materiality is a qualitative materiality is an amount set by the auditor that is less than planning the materiality and is used to make decisions about the extent of audit procedures for a particular class of transaction.
What is Performance materiality?Performance materiality can be described as the amount that is been set set to reduce to an appropriately low.
It should be noted that the performance materiality can be gotten by applying a percentage usually the 50% and 75% with regards to the overall materiality amount.
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Assume that actual overhead costs were and overhead allocated to jobs was . the unadjusted balance in manufacturing overhead would be _______.
The unadjusted balance in manufacturing overhead would be: $18,000 debit balance, underapplied
What happens when actual overhead($71,000) is greater than applied overhead($53,000)?
The excess of actual overhead over the applied overhead gives rise to underapplied overhead, since less than the actual overhead cost incurred has been factored into the units produced, in essence, we would credit prepaid expense with the $18,000($71,000-$53,000) underapplied overhead until it is paid in cash to the employees.
In the same vein, we would debit cost of goods for the additional expense, without mincing words, the correct option in this case is that $18,000 underapplied overhead is a debit balance.
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Find attached full question with options
An increase in the riskiness of corporate bonds will ________ the yield on corporate bonds and ________ the yield on treasury securities, everything else held constant.
A increase in the riskiness of corporate bonds will increase the yield on corporate bonds and decrease the yield on Treasury securities, with everything else held constant. The correct answer is option(c).
Corporate bonds are the bonds that a corporation issues to obtain money for a number of purposes, such as continued operations, mergers, and acquisitions, or business expansion. It usually refers to debt instruments with a minimum one-year maturity that are longer-term in nature.
The United States Department of the Treasury issues United States Treasury securities, often known as Treasuries or Treasurys, to support government spending as an alternative to taxation. Treasury securities are among the safest investments because they are supported by the full faith and credit of the United States government. Treasury securities' revenue could be free from municipal and state taxes but not from federal taxes.
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The complete question is:
A increase in the riskiness of corporate bonds will ________ the yield on corporate bonds and ________ the yield on Treasury securities, everything else held constant.
A) increase; increase
B) decrease; decrease
C) increase; decrease
D) decrease; increase
perez company incurs annual fixed costs of $105,000. variable costs for perez’s product are $21.00 per unit, and the sales price is $35.00 per unit. perez desires to earn an annual profit of $63,000. required use the contribution margin ratio approach to determine the sales volume in dollars and units required to earn the desired profit.
When sales income and costs attributed to a certain time are equal, a corporation experiences a break-even point.
The level of operations at which a business experiences neither a profit nor a loss is referred to as the break-even point. sales income The outcome shows that Video Productions achieves financial stability at a monthly volume of 5,000 units. By calculating the revenue and overall costs for a volume of 5,000 units, we can demonstrate that this is correct. $100,000 in revenue equals (5,000 units x $20 per unit sold). ($40,000 fixed costs + $60,000 variable costs, computed as $12 per unit X 5,000 units) = $100,000 in total expenses. Look at the cost-volume-profit graph, and you'll see that the break-even point is at 5,000 units, when the revenue and total cost lines cross. Using video productions net loss at quantities under 5,000 units, but net profitability at volumes over 5,000.
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Which relationship between marginal utility (mu) and price (p) indicates that a consumer is maximizing his or her utility regarding spending on two goods?
(MUx / Px) = (MUy / Py) is the relationship between marginal utility (mu) and price (p) indicates that a consumer is maximizing his or her utility regarding spending on two goods
What is marginal unity?A consumer's increased enjoyment from owning one extra unit of a good or service is known as marginal utility. Economists utilize the idea of marginal utility to estimate how much of a given good buyers are willing to buy.
When you consume more things, your total utility rises, which is known as positive marginal utility. On the other side, negative marginal utility arises when consuming an additional unit results in a reduction in overall utility.
The concept of marginal utility is used by economists to analyze how consumer decisions are impacted by degrees of satisfaction. The law of diminishing marginal utility is another idea recognized by economists. The initial unit of consumption of a good or service has greater utility than subsequent units, according to this statement.
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if the kingdom of arendelle had total exports of $150 billion and total imports of $234 billion, it had a .
If the kingdom of Arendelle had total exports of $150 billion and total imports of $234 billion, it had a trade deficit.
When a country imports more than it sells over a specific time frame, there is a trade deficit. The negative balance of trade is another name for it. When the balance or net amount of an account of international transaction is negative, this is known as a trade deficit. The balance of payments of international transaction accounts keeps track of all business dealings involving residents and non-residents where ownership changes hands.
On several categories within an international transaction account, a trade deficit or net amount can be calculated. Items such as goods, services, goods and services, current account balances, and the total of the current and capital account balances fall under this category.
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your grandfather invested $2,000 in a stock 49 years ago. currently the value of his account is $208,000. what is his percentage compound rate of return over this period?
The answer is 0.15%
Percentage compound rate return or the geometric return takes into account the compound interest over the number of periods.
Here, we know that
Current deposit = $208,000
Initial deposit = $2,000
To calculate compound rate return/ geometric return, the formula used will be:
[(current deposit value/initial value)^1/no. of years ]-1
Putting the values from above, we get,
= [(208,000/2,000)^1/49]-1
= [(1040)^0.0204]-1
= 1.15-1
= 0.15%
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andre works with beta pharmaceuticals inc. he is primarily responsible for overseeing production activities, including decisions such as the number of product units that need to be manufactured, the overall functioning of the production plants, and the quality of products. andre is most likely to be a(n) manager.
Since Steve is responsible for overseeing production activities, this highlights that he is most likely an Operations Manager.
What an operations manager does is:
Show the organization what it means to inspire others.
Make critical decisions about planning, strategy, and policy.
Who is the manager of Operations?An operations manager is a crucial component of the management team and is in charge of high-level HR duties like employing top talent and developing training standards and hiring procedures. Through analysis and improvement, they also aim to improve the effectiveness, productivity, and quality of organizational processes.
A different name for them is a chief operating officer or COO.
Make operational policies and practices, implement them, and assess their effectiveness.
Help HR if necessary with recruitment.Encourage an organizational culture that respects superior achievement and high morale.control budgeting, auditing, reporting, and planning.participation of senior stakeholdersMake sure all legal and regulatory paperwork is submitted, and keep a look out for any infractions.While working with the board of directors to define values and mission, make plans for both short-term and long-term goals.Identify the company's problems and future potential, then address them.Make alliances and partnerships with other companies.Thus, operation managers are important in any organization.
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