As the requirement is to hold the fund for 3 years, he/she shall choose the negotiable CD as the interest rate will be higher and cannot be redeemed before the maturity period.
What is a Certificate of Deposit?A certificate of deposit (CD) is a savings instrument that yields interest on a one-time payment for a predetermined amount of time. In contrast to savings accounts, CDs require that the money remain untouched for the duration of the term in order to avoid penalty fees and lost interest. In order to compensate for lost liquidity, CDs often pay greater interest rates than savings accounts.
A majority of consumer financial institutions provide certificates of deposit (CDs), but it is up to each bank to decide what terms it wishes to give, how much higher the rate will be than the bank's savings and money market products, and what penalties it will impose for early withdrawal.
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A taxpayer wishes to take a deduction for a worthless debt. without proper documentation, the taxpayer faces the risk that the irs will assert that:____.
In the given scenario the option that the debt became worthless in an earlier period, and the statute of limitations prevents the taxpayer from amending that earlier return is functionally correct.
The reason for that is when the surrounding facts and circumstances show that there's no reasonable hope that the loan will be repaid, the debt loses all of its value. You must demonstrate that you've made a reasonable effort to collect the debt in order to prove that it is worthless.
If you can demonstrate that a court judgment would be impossible to collect, you do not need to file a lawsuit. Only the year when the debt is rendered worthless is eligible for the deduction. You can decide that a debt is worthless before it is due, so there is no need to wait.
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what is the name given to causes or conditions listed in the policy that are not covered and for which no benefits are payable?
A cause or condition stated in the insurance that is not covered and for which no benefits are payable is referred to as an exclusion.
Cases that fall under exclusion are those where the insurance provider declines to cover. To prevent losses to the company, certain circumstances are not a part of the insured occurrence.
In order for a claim to be declared valid, several specific exclusion terms and clauses must be met in life insurance contracts. In most cases, the insurance company is responsible for paying the claim amount in the event that the insured passes away. However, in order to prevent instances of adverse selection, insurance firms won't take into account providing benefits for certain circumstances, such as the insured individual committing self immolation.
Such provisions must be made explicit in the policy document at the moment the contract is entered into for the policyholder's information. Exclusions can also include waiting periods during which insurance benefits are not applicable.
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The action toy company has decided to manufacture a new train set, the production of which is broken into six steps. the demand for the train is units per 40-hour workweek:__________
Production is the organized activity of transforming resources into finished products in the form of goods and services; the objective of production is to satisfy the demand for such transformed resources”.
‘Subst in equation (1) he various values and obtain the cycle me
-4ohoursx60mintes
4.800unts
| Minutes
Therefore the in per unit Otis operations 0.5 minutes oF 90 secs,
Cytetime =
Calculate the thecal minimum number of workstation by using the flowing formula
a= shown below
“Theoretical minimum number of work statons= "24st
‘Lifetime
20430415415 +1030
“Theoretical minimum number of work stations= a
Production is the manner of making or production goods and merchandise from raw substances or additives. In other phrases, manufacturing takes inputs and uses them to create an output that is in shape for intake – a good or product which has price to an cease-consumer or client.
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Midwestern corporation issues bonds. southern corporation issues stock. which corporation used equity financing?
Southern corporations but not Midwestern corporations used equity financing as Midwestern corporations issued bonds. southern corporation issues stock.
What exactly does equity financing mean?Selling a piece of your company in exchange for a cash investment is equity financing. Equity financing carries no responsibility for repayment, in contrast to a loan. Instead, investors purchase business stock in order to profit from dividends (a portion of the firm's income) or from the ultimate sale of their shares. The private placement of stock with investors and public stock offerings are the two main forms of equity financing. Debt financing is different from equity financing in that the former entails borrowing money while the latter requires selling a piece of the company's shares.
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which selling approach is considered direct and focuses mainly on convincing the buyers that the item is needed?
Personal Selling approach is considered direct and focuses mainly on convincing the buyers that the item is needed.
Personal selling is a recognized direct selling strategy that focuses mostly on persuading buyers about the need for the item.Personal selling is defined as a selling strategy in which the vendor hires salespeople to offer their items directly to customers.In this strategy, the salesperson individually engages with the customers and uses communication or other talents to persuade them of the product's quality and value.They frequently demonstrate the effects of the product to consumers in order to persuade them to acquire it and maximize sales.Personal selling, also known as face-to-face selling, occurs when a single person, the salesman, tries to persuade a customer to buy a product. It is a sales promotion technique in which the salesman leverages his or her skills and abilities to achieve a sale.Thus, the answer is Personal Selling.
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Rfm analysis ranks customers by considering the recency, frequency, and _______ of their orders
RFM analysis ranks customers by considering the Recency, Frequency, and dollar amount or Monetary value of their orders.
What is RFM analysis?RFM or Recency, Frequency and Monetary value or dollar amount is a model which is used to do the marketing analysis which segments the company's consumer base according to their purchasing habits and patterns.Recency is how long was the last purchase made, Frequency is how often are the purchases made and Monetary value is the the money the money they spend on the purchase. Therefore RFM is used to identify the best consumers of the company by analyzing and measuring the spending patterns and habits to improve the low scoring customers and to maintain the high scoring ones.To learn more about RFM analysis, refer
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at a university faculty meeting, a proposal was made to increase health care benefits for new faculty to keep pace with the high cost of health care. true or false: in the long run, this increase in health care benefits will make faculty positions more attractive than other jobs. (hint: consider how the indifference principle applies to this occupation in the long run.) true false
False, in the long run, this increase in health care benefits will not make faculty positions more attractive than other jobs.
Briefly definedAccording to the indifference principle, a movable asset will eventually not care where it is employed in the long run. In other words, the asset will profit equally wherever it goes.
The indifference principles suggest that wages will adapt to return the labor market to equilibrium. In this instance, a rise in a non-salary benefit (such as housing or health care benefits) elevates the teaching post above other professions in terms of attractiveness. On the other hand, as more people aspire to become professors, the labor pool for this industry will grow, which will eventually result in lower compensation.
At the same time, when people in other businesses (or people who would have entered other industries) seek employment as faculty members, the supply of labor in those other industries will decline. As a result, other industries' pay increase.
New faculty members' salaries will keep declining until they are competitive with other occupations. The labor supply for professor posts will eventually run out because there is no longer any incentive for people to pursue careers as college teachers.
Because the labor supply is no longer growing, wages are no longer falling. Despite the rise in perks, wages have moved lower at this new equilibrium, making faculty jobs just as desirable as other jobs.
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If the contribution margin ratio increases, the break-even point in sales dollars will?
The sales break-even point declines as the contribution margin ratio rises.
More about break-even point:
The breakeven point (break-even price) for a transaction or investment can be determined by comparing an asset's market price to its starting cost. When the two prices are equal, the breakeven point is attained. In either unit (quantity) or revenue (sales) terms, the break-even point (BEP) or break-even level describes the volume of sales required to cover all costs, including both fixed and variable costs to the business. At the break-even verge, the firm has not made a profit.
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Market segmentation involves aggregating prospective buyers into groups that (1) __________ and (2) will respond similarly to a marketing action.
Market segmentation involves aggregating prospective buyers into groups that have common needs and will respond similarly to a marketing action.
Define Market segmentation
Market segmentation is the technique of breaking a large consumer or corporate market into smaller consumer groups based on traits that they have in common. Typically, this process involves existing and future customers. People who are gathered together and for marketing purposes are referred to as market segments. Segments of the market are subsets of a broader market that frequently group people collectively primarily on one or even more shared traits. Market segmentation acknowledges that not all got familiar with the same preferences, means of consumption, or needs. Market segmentation is significant because it aims to make a group's marketing initiatives more strategic and focused, as opposed to broadly catering to all potential customers.
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If you spend $19.78, in how many ways can you receive change from a twenty dollar bill?
Starting with ten dimes, changing with ten dimes would be (10, 10, 1), (10, 5, 5, 1), and (10, 5, 6). (10, 11)
If you had five nickels, your change would be (5,5,5,5,1), (5,5,5,6), and (5,11). (5,16)
With dollars (1), it would (22)
Your final response would be that, if you owe $19.78, there are 9 ways to make change with a $20 dollar bill.
A bill of exchange is a document used largely in international trade that obligates one party to pay another party a specific amount of money on demand or at a specific date. Similar to cheques and promissory notes, bills of exchange are normally transferrable by endorsements and can be drawn by either individuals or banks. There might be up to three parties involved in a bill of exchange transaction. The person who pays the amount stipulated in the bill of exchange is known as the drawee. It is the payee who gets that money. The party requiring the drawee to make the payment to the payee is known as the drawer. If the drawer does not transfer the bill of exchange to a third party, the drawer and payee are the same entity.
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A mining company develops a new processing technique using only light and patents the process. This situation is characterized by ________.
A mining company develops a new processing technique using only light and patents the process. This situation is characterized by low threat of substitutions.
A substitute product is one that might provide a company with the same or similar advantages as a product from a different industry. The risk that a company has from being replaced by its substitutes is known as the threat of a substitute. The threat is always greater for more generic, undifferentiated products than for products with more distinctive features. When there are numerous readily available alternatives, a company's ability to establish pricing and decide how to market its goods is severely limited.
One of the factors influencing the competitive structure within an industry, according to Porter, is this threat. It has a significant impact on business and industrial profitability. There will be less competition among the existing businesses and more opportunity to generate better profits if the danger of alternatives is low.
Product Price: - If alternatives are more affordably priced, there may be a greater chance that customers will switch brands. Additionally, it may limit how much a business can raise the price of its own goods. Any attempt to charge more than equivalent products could result in consumer churn and lost revenue.
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since 2002, a real estate broker has had an understanding with two of the five mortgage lenders in town. the broker recommends only those two lenders to clients and does not tell clients about any other lenders. in return, the recommended lenders pay for the vacations the broker offers sales associates as rewards for high performance. based on these facts, which of these statements is true?
D. The broker's arrangement with the lenders is an illegal kickback under RESPA.
What is lenders ?A lender is a person, a group (public or private), or a financial organization that provides money to a person or business with the expectation that the money will be paid back. Any interest or fees must be paid as part of the repayment.
Repayment can take place in installments (like a monthly mortgage payment) or as a lump sum. A mortgage is one of the biggest loans that customers obtain from lenders.
A lender is anyone who makes money accessible to a person or company with the idea that they will pay them back, whether they are an individual, a public or private organization, or a financial institution.
Repayment involves paying any interest or fees.
Repayment may take place in lump sums (like a monthly mortgage payment)
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A research method that systematically organizes and summarizes both the manifest and latent content of communication is called?
A research method that systematically organizes and summarizes both the manifest and latent content of the communication is called Content Analysis.
What is the Content of Communication?The two main areas of communication are relationship and content.
The what of every message is its content. Through emails, discussions, memos, or notes on the bulletin board, we communicate ideas, facts, and opinions. Anything that can be communicated verbally qualifies as it.
The who of any contact is relevant to relational communication. Every incident of relational communication, which we may not be aware of, surrounds every instance of content communication and shows how the parties involved view and are viewed by one another. It substantially describes the two of their relationship character.
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A company uses the allowance method to account for bad debts. What is the effect on each of the following accounts of the collection of an account previously written off?.
Answer:
d. No effect No effect
Explanation:
When allowance method is followed then bad debts allowance is created for non-collectible debts balance.
This balance clearly depicts the debtors which are not collectible and then set off against accounts receivables balance.
When an already written off bad debt is recovered, such recovery increases income only, and does not effect any allowance account or accounts receivable account.
As for this already expense had been allowed.
And amount recovered is no more standing due in accounts receivables balance.
Thus, correct option is
d. No effect No effect
1. identify and describe a great manager. what makes him or her stand out from the crowd? have you ever seen or worked for an ineffective manager? describe the causes and the consequences of the ineffectiveness
Discover and describe a great manager: a great supervisor has solid communication capabilities which might be tailored to every situation. for example, he or she will relay strategic desires to a boardroom complete of executives and also pinpoint very specific goals to a venture team.
Great manager assists their workforce and believes in their skills. They stand up for their group and protect them from senior management. They delegate obligations with confidence and never micromanage. They recognize putting faith in capable personnel empowers them to in addition their potential and professional development.
Managers need to be extraordinary communicators, which means preserving regular contact with anybody on their crew, offering frequent feedback, and delivering rewards and popularity for superb overall performance. preserve an open and extraordinary communique with your personnel.
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3. individual problems 11-3 the british pound (gbp) rises in value relative to the dollar. consider a u.s. bank with a european trading subsidiary in london (which earns profit in pounds). this appreciation the u.s. bank, since each pound it earns in profits through its european subsidiary is now worth dollars.
In relation to the dollar, the value of the British pound (GBP) increases. Think about a US bank with a London-based European trade business (which earns profit in pounds)
Financial management on a national versus global scale (IFM)Financial systems can be defined as being open or closed, domestic or foreign. A domestic is someone who resides in a nation. As a result, from the perspective of India, the American financial system is an international financial system. Both domestic and international financial management have the same average and goal, but their dimensions and dynamics have dramatically expanded. Four major categories—foreign exchange, market flaws, expanded opportunity sets, and political risks—allow IFM to be distinguished from financial management (FM). The maximizing of stakeholders as well as shareholders is IFM's main objective.
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all of the following income or services were received by beatrice in 2022. beatrice is a cash-basis taxpayer and self-employed piano teacher. what is beatrice's 2022 gross income? $9,150 for 183 piano lessons given in 2021. $250 payment for five piano lessons that will take place in january 2023. $720 received for sheet music that beatrice bought from a distributor and sold at cost. beatrice paid the distributor $720 during 2021. a $325 makeover from a spa owner in exchange for five piano lessons. (no cash changed hands.) $9,725 $10,120 $10,195 $10,445
If $9,150 for 183 piano lessons was given in 2021, $250 payment for five piano lessons that will take place in January 2023, a $325 makeover from a spa owner in exchange for five piano lessons. beatrice's 2022 gross income is: $9,725.
What is gross income?Gross income can be defined as the income a person or an individual received either as salary or wages etc.
Using this formula
Gross income= $9,150 for 183 piano lessons+$250 payment for five piano lessons+ $325 makeover from a spa owner in exchange for five piano lessons
Let plug in the formula
Gross income=$9,150+$250+$325
Gross income=$9,725
Therefore If $9,150 for 183 piano lessons was given in 2021, $250 payment for five piano lessons that will take place in January 2023, a $325 makeover from a spa owner in exchange for five piano lessons. beatrice's 2022 gross income is: $9,725.
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Alexa has finished her culinary training program and is now working full-time as a chef in a hotel resort restaurant. she has tripled her salary from when she was working part-time to pay her expenses through school. how should this increased income affect her budget? make comparisons with her previous budget and her current budget.
Alexa is earning quite a bit more money than she was previously. This would be a good time for her to re-evaluate her budget. Part of the extra money she is making could be put in her savings account. A savings account is a basic account type that allows you to put money into a bank safely.
It protects your money's safety and accessibility whenever you need it. You can withdraw your funds at any moment, either digitally or in person. Savings accounts have three disadvantages: minimum balance limitations, lower interest rates than other accounts/investments, and federal prohibitions on saving withdrawal.
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Which type of account is increased with a credit? multiple choice question. revenue asset dividend expense
The debts are expanded with credit growth in liability, equity, and revenue accounts. credit decrease asset and fee accounts.
In accounting, a credit score is an entry that records a lower in property or an increase in legal responsibility as well as a decrease in charges or growth in revenue (in place of a debit that does the other). So a credit will increase net income at the corporation's income assertion, at the same time as a debit reduces internet income. a credit score is the capacity to borrow money or get admission to items or services with the knowledge that you may pay later.
An example of a credit score is a congratulations for finishing scientific faculty while running two jobs at an equal time. An instance of credit is the quantity of cash available to spend in a bank price account or the budget brought to a bank account. An example of a credit score is the number of English guides who wanted a diploma. There are 3 predominant styles of credit: installment credit score, revolving credit, and open credit.
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Average and poor business writers are more likely than excellent writers to focus on the?
Average and poor business writers are more likely than excellent writers to focus on the drafting stage first.
This approach is used whilst your audience will be impartial or positive about your message. within the indirect technique, the evidence is provided first, leading consequently to the main concept. They spend a tremendous amount of time reviewing their work. one in every one of your primary goals as a communicator is to express. Inaccuracy reasons readers to lose consideration of the author.
One primary motive of overly lengthy paragraphs is placing multiple main concepts or topics in a paragraph. Dale has written an offer for a brand new initiative. Writing any messages apart from the ones for the most mechanical, recurring instances calls for carefully considering the scenario, the readers, and the desires. humans will make critical choices primarily based on communication.
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many large firms are moving to in-house vertically integrated structures where they have more control over each business unit.
False, many large firms are moving to in-house vertically integrated structures where they have more control over each business unit.
A business unit is a distinct component inside an organisation that frequently develops and implements its own processes separately from the primary business or brand while yet conforming to the general corporate regulations. the business unit structure is typically used by big brands to better manage and monitor divisional KPIs like sales or costs. An organised business unit structure enables each unit to manage its own revenues and expenses, which can help businesses track and lower their overall expenditures related to various departmental duties.
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In addition to the articles of incorporation, a corporation has , which describe how the firm is to be operated from both legal and managerial points of view.
Sole proprietorship is the firm or business is to be operated from both legal and managerial points of view.
A sole proprietorship is a type of business or organization that is owned, controlled, and operated by a single person who is the sole beneficiary of all profits or losses and is solely responsible for all risks. It is a popular type of business, especially for small businesses in their early years of operation. This type of business typically provides a specialized service, such as hair salons, beauty salons, or small retail stores. A sole proprietorship is a single-owner unincorporated business.
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Consider the production possibilities frontier for an economy that produces only sofas and cars. the opportunity cost of each car is:_______
The statement is true. The opportunity cost of each car for an economy is the slope of the production possibilities frontier.
The value or advantage forfeited by engaging in a specific activity in comparison to engaging in a different activity is known as the opportunity cost in microeconomic theory. Simply put, it indicates that by choosing one course of action (such making an investment), you are forgoing the chance to choose an other course of action. The best activity is the one that, after deducting opportunity costs, has the highest return when compared to all other activities. If the opportunity cost exceeds the monetary payment or activities made, it also includes the utility or economic value that person lost.
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the following factors can help decide whether or not to engage in market research activities, except .
The factors that can not help decide whether or not to engage in market research activities, is The product's current position in the product life cycle.
What is market research activities?Market research can as well be described as the marketing research which are those actions or activities that is needed to carried out so as to be able to gather information that is needed about the market needs and preferences.
It should be noted that this helps companies understand how their target market works as well as how the audience feels and behaves, however factors that can help decide whether or not to engage in market research activities, are:
The time needed to gather research.The cost versus the benefit of having the findingsThe risk level of the business decisionLearn more about market research activities at:
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CHECK THE COMPLETE QUESTION:
the following factors can help decide whether or not to engage in market research activities, except .
The time needed to gather research
The product’s current position in the product life cycle
The cost versus the benefit of having the findings
The risk level of the business decision
The primary purpose of financial reporting is to provide useful information for decision making to?
The primary objective of financial reporting is to provide useful information so that investors, creditors and other users can make rational decisions. Your business's income should be tracked, analyzed, and reported through financial reporting. This aids in your decision-making and that of any investors over how to run the company.
These reports look at cash flow and resource utilization to gauge the company's financial health. the quantity, timing, and uncertainty of future cash flows; the knowledge of the enterprise's economic resources, claims to resources, investors and changes in claims to resources; and the provision of information that is important in making investment and credit decisions.
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You have been hired as the new information security consultant at xyz inc. which of these employee behaviors would be a top security concern?
You have been hired as the new information security consultant at XYZ inc. The employee behavior that would be a top security concern is" "Leaving laptop computers unattended in public spaces"
This is further explained below.
What is a security consultant?Generally, A security consultant, who is also often referred to as a security analyst, is someone who identifies flaws in computer systems, networks, and software programs and attempts to find remedies that would make these things more secure against intrusion by hackers.
This consultant profession is a great example of an IT employment that requires a very high level of specialization.
In conclusion, You will be serving as an information security consultant for XYZ, Inc., as they have made that decision.
The practice of workers "leaving laptop computers unattended in public settings" is the behavior that gives rise to the greatest level of worry about the safety of the organization.
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complete question
You have been hired as the new Information Security consultant at XYZ Inc. Which of these employee behaviors would be a top security concern?
a. Leaving laptop computers unattended in public spaces
b. Using office computers for personal e-mails
c. Drinking water or coffee while working on computers
d. Banging on the keyboard, when the computer is running slow
the total market value of the equity of okefenokee condos is $4 million, and the total value of its debt is $1 million. the treasurer estimates that the beta of the stock currently is 1.0 and that the expected risk premium on the market is 11%. the treasury bill rate is 3%, and investors believe that okefenokee's debt is essentially free of default risk.
The firm's WACC is 11.92%.
Based on market values, the weights of debts and equities are:
debts = 1 / (4 + 1) = 20%
equity = 4 / (4 + 1) = 80%.
The cost of debt is the same as the interest rate on treasury bills, which is 3%. We can use the capital asset pricing model (CAPM) to compute the cost of equity. According to CAPM:
required return on the stock = risk free rate + beta * market risk premium = 3% + 1.0 x 11% = 14%.
WACC = 40%*3%*(1 - 40%) + 80%*14% = 11.92%.
A measurement of a company's overall cost of capital is the weighted average cost of capital. It is determined by averaging the after-tax cost of equity and debt, weighted by the market value of the firm's equity and debt, respectively.
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cheri is the lessee of of a house with a detached garage . harriett has leased only the garage from cheri. however, cheri remains bound by the terms of the lease agreement with the lessor. this is an example of .
Chris is the lessee of a house with a detached garage. Harriett has leased only the garage from Chiara. Cheri is still bound by the conditions of the lease with the lessor, though.This is an example of a landlord-tenant situation where one party (the landlord) leases property to multiple parties (tenants).
What distinguishes a lessee from a lessor?A lessee is a person who leases property from a lessor. A lessor usually provides financial, legal, and managerial support to the lessee while they are in possession of the leased property. This can include marketing and advertising services, as well as management of insurance policies and other associated costs.
The main difference between a lessee and a lessor typically revolves around how much control the lessor has over the leased property. The lease may stipulate specific conditions that must be met by the leaser before entering into monthly or yearly payments (such as maintaining certain standards of conduct).
Overall, leasing is an advantageous way for businesses to obtain space without having to purchase it outright or pay high upfront prices.
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Amazon's e-commerce website and application are available 24/7, nearly everywhere and at all times, which of the features of e-commerce technology does this describe?
The e-commerce website and app for Amazon are accessible around-the-clock, almost everywhere, and at all times, Ubiquity feature of e-commerce technology is described here.
More about Ubiquity:
The word "ubiquity" generally refers to someone being present physically in multiple locations at once or being pervasive. Ubiquity is the ability of your visitors or customers to access a service from any location, on any device, at any time in the context of eCommerce and customer support.
Users can explore things in a market for less money thanks to ubiquity. Irrespective of where they are, consumers can get any information whenever and wherever they choose. A buyer no longer needs to travel to a market, saving them time and money. Overall, it conserves the mental effort required to traverse a market area.
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If a company has advance ticket sales totaling $2,000,000 for the upcoming football season, the journal entry to record the receipt of cash would consist of a:_____.
If a company has enhanced price ticket sales totaling $2,000,000 for the imminent soccer season, the magazine entry to document the receipt of cash would include a: Debit cash, credit Unearned sales.
A company is a felony entity shaped by using a collection of individuals to interact in and perform a commercial enterprise—commercial or industrial—company. An organization can be prepared with numerous approaches for tax and economic liability functions depending at the company regulation of its jurisdiction.
The imperative musical company meudy approximately the look for love and cocktails inside the big Apple is turned on its head in Marianne Elliott's revelatory staging, wherein musical theater's maximum iconic bachelor turns into a bachelorette. At Bobbie's 35th party, all her friends are questioning why isn't she married.
The three sorts of business entities that might be most common are the only proprietorship, confined legal responsibility company (LLC), and employer. each has its own awesome benefits and disadvantages, depending on what you and your enterprise need.
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