Answer:
higher premium and lower deductible
Explanation:
Does the way to amortize the loan seem correct? what alternatives could be considered?
A few amortizing loans will permit early compensation, thereby erasing any additional hobby you'd in any other case have to pay. With an easy hobby loan, you're much more likely to incur a prepayment penalty, as you are paying an equal amount to hobby on every scheduled fee and the lender is relying on that money.
An amortized loan is a form of mortgage that requires the borrower to make scheduled, periodic bills which might be implemented to both the major and hobby. An amortized loan price first can pay off the hobby expense for the duration; any final amount is positioned toward decreasing the most important quantity.
In its middle, mortgage amortization facilitates your price range for massive debts like mortgages or vehicle loans. it's also a beneficial device to demonstrate how borrowing works. by way of know-how of your fee system up the front, you can see that on occasion decreasing month-to-month installments can bring about larger interest bills over the years, for an instance.
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Summarize these two up-and-coming leadership positions in digital media: digital media supervisor and chief digital officer (CDO). What does each job entail
The big difference between the CIO and the Chief Digital Officer is the responsibility for turning IT into a value creator, which is something that the CIO typically doesn’t have in most organizations.
How to compare the difference?The chief digital officer is the leading digital business from the front in a way that most CIOs aren’t. It should be that most CIOs are not trying to think of new markets, new channels, or new business models that the organization should be getting and making that a top priority. .
The CIO is used to operate much larger operations. The Chief Digital Officers are very multidisciplinary, so they have a lot of different experiences, and they're very comfortable talking with marketing and sales in their language.
They’re very good at talking to the product teams in their language and operations in their language, and executives, and so on. And not to the same degree that we see the CIOs that don’t really talk the language of business .
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Answer: The big differences in the CIO and the Chief Digital Officer is this responsibility for turning IT into a value creator, being a business to the extent of actually having a P&L, which is something that the CIO typically doesn’t have in most organizations.
Consider the market for portable air conditioners in equilibrium. a summer of unseasonably cool weather would cause:______
Consider the market for portable air conditioners in equilibrium. A summer of unseasonably cool weather would cause both the equilibrium price and quantity to decrease. A market-clearing price, often referred to as an equilibrium price, is the consumer cost associated with a good or service when supply and demand are equal or nearly equal.
The manufacturer or vendor is free to transfer as many units as they like, and the consumer is free to access as many units as they like. By setting the supply function to equal the demand function, Qs = Qd, you may determine the equilibrium price.
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Suppose that your friend owns a coffee shop and seeks your advice on changing the price of coffee to increase revenue. If you know that demand for coffee is relatively elastic, what advice will you give your friend
If the demand for coffee is relatively elastic the advice that would be given to the friend would be for him to decrease price.
What is relatively elastic demand?
Relatively elastic demand is the type of demand that tells us that there would be a greater change in the demand of the good than the change that occurred in the price of that good.
In this case more people would demand less of the coffee due to the increase in the price.
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The infrastructure layer is the foundation of the cloud and consists of physical resources. Where do these physical resources reside?
The answer is regions, zones, and data centers.
The Infrastructure Layer consists of the data center structure as well as the equipment and systems that keep it working. The Infrastructure Layer includes components such as backup power equipment, the HVAC system, and fire suppression equipment. These gadgets and systems aid in the protection of servers and, eventually, your data.
The infrastructure-as-a-service layer is the foundation of the cloud (Infrastructure as a service). This layer consists primarily of hardware and networks. The primary differences between this and a traditional server or hosting provider are scalability and virtualization.
Therefore, the answer is regions, zones, and data centers.
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Which marketing era refers to the time period from our country's first settlers through the early 1900s?
Production era; refers to the time period from our country's first settlers through the early 1900s. (1860-1930) Due to the scarcity of products, consumers made do with whatever was produced.
More about the Production era:
The Industrial Revolution marked the start of the production era. Products were mass-produced and affordably priced. Businesses often only made one product at a time. Businesses also had the attitude that "if created, someone would buy" at this time, which increased profitability. Businesses could sell everything they made given the prevailing market.
The period from the end of the American Civil War and the 1920s, when reducing production costs was the top priority for many businesses. The emphasis on customers, service, and profit defined the marketing concept era.
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What is the marginal income tax rate of a $5,000 raise for someone who currently makes $95,000 per year?
24% will be the tax bracket for her. The marginal tax rate is the tax rate you pay on every dollar of additional income. Individuals' federal marginal tax rate in the United States rises as their income rises. As one's income rises, the last dollar earned is taxed at a higher rate than the first.
This method of taxation, known as progressive taxation, aims to tax individuals based on their earnings, with low-income earners paying a lower rate than higher-income earners. Under a marginal tax rate, taxpayers are typically divided into tax brackets or ranges, which determine the rate applied to the tax filer's taxable income.
However, how much of an individual's income is taxed depends on more factors than just their marginal tax bracket. Instead, income taxes are calculated progressively, with a range of income levels subject to a certain rate for each bracket.
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citi The sponsor must submit an IND Safety Report to the FDA if an adverse event is (1) serious; (2) unexpected; and:
The sponsor must submit an IND Safety Report to the FDA if an adverse event is
seriousunexpectedthere is a reasonable possibility that the drug caused the event.What is Food and Drug Administration (FDA) ?Located under the Department of Health and Human Services, the Food and Drug Administration (FDA or USFDA) is a federal organization.The FDA is in charge of ensuring the safety of food, tobacco products, dietary supplements, prescription and over-the-counter medications, vaccines, biopharmaceuticals, blood transfusions, medical devices, electromagnetic radiation emitting devices (ERED), cosmetics, animal foods & feed, and veterinary products in order to protect and advance public health.The Federal Food, Drug, and Cosmetic Act (FD&C) is the FDA's major area of enforcement, although the organization also upholds related regulations and other laws, most notably Section 361 of the Public Health Service Act. A large portion of this regulatory-enforcement job concerns the regulation of condoms, lasers, cell phones, and other items, as well as the prevention and control of disease in settings ranging from domestic pets to donated human sperm for assisted reproduction.Know more about FDA https://brainly.com/question/9072310
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The degree of supplier integration may vary, from ________ to ________ at the extremes.
The degree of supplier integration may vary, from Collaborative forecasting supplier integrated manufacturing at the extremes.
This is further explained below.
What is Collaborative forecasting?Generally, Utilizing current information and technology, collaborative forecasting or forecast collaboration forces a move from independent, anticipated demand to dependent, predictable demand. This basically denotes the exchange of demand information in real-time amongst supply chain participants.
In conclusion, It is possible for there to be variations in the degree of supplier integration, with collaborative forecasting supplier integrated production at either end of the spectrum.
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A hiring authority is not utilizing contractors or temporary workers. What is the most likely explanation?
The most likely explanation why the hiring authority is not using contractors or temporary instructors is a, The hiring authority thinks that full-time hires are more productive.
Why might hiring authorities prefer full time workers?If a hiring authority feels that full time hires are better at their jobs and more productive, they will hire more of them.
This would lead to temporary workers and contractors being used for projects less.
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A city has a transfer fee of $1 .00 for each $1,000 of the sales price and the state charges $1.50 per $500 of the sales price for real estate transaction. If the buyer pays 50% of the transfer taxes, what would the seller's transfer tax be on the sale of a $400,000 home
If the buyer pays 50% of the transfer taxes, the seller's transfer tax for the sale of a $400,000 home is $800.
What is a transfer tax?A transfer tax is a charge imposed by a city or state when the title to a real estate or property passes from one owner to the next.
In some states, the transfer tax is borne 100% by the seller. In some other states, the buyer and the seller may be collectively liable for the transfer tax.
Data and Calculations:City State
Transfer tax rate $0.001 $0.003 ($1.50/$500)
Transfer tax ($) $400 $1,200 ($400,000 x $0.003)
Total transfer tax = $1,600
Amount paid by buyer = $800 ($1,600 x 50%)
Amount to be borne by seller = $800 ($1,600 - $800)
Thus, if the buyer pays 50% of the transfer taxes, the seller's transfer tax for the sale of a $400,000 home is $800.
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Business people from which country are most likely to be uncomfortable with silence and impatient with delays?
A) MexicoB) United StatesC) Saudi ArabiaD) Japan
Business people from United States are most likely to be uncomfortable with silence and impatient with delays. A founder, owner, or main stakeholder of private sector may be referred to by this word. A private entity's angel investor may also be referred to by the word on occasion. In human history, traders were first business people.
Business people is a person who owns or holds shares in a private sector and engages in commercial or industrial activities to generate cash flow, sales, and revenue by combining human, financial, intellectual, and physical capital with goal of promoting economic development and growth.
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In regard to project priorities, if a project parameter such as the completion date or the cost of a project is fixed and must be met, it is considered ____________.
In regard to project priorities, if a project parameter such as the completion date or the cost of a project is fixed and must be met, it is considered constrained.
Project prioritization is the process of determining which potential and existing projects are the most urgent and important. This process involves evaluating the standards most relevant to your business and applying those standards to all projects.
The project scope is the part of the project plan that establishes and documents a list of objectives, deliverables, tasks, costs, and deadlines for a particular project. A document about the scope of a project is called a scope statement or terms of reference.
The project priority system selects which projects should be pursued in support of the organizational strategy. Additionally, a model is needed to assess the long-term effectiveness of the project prioritization system. The scoring model focuses on performance in the following key areas:
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Distribution network for fmcg fmcg distributor management distributor management system distributor management software. distributor management software. distribution system for fmcg dms questions before buy distribution network for fast moving goods distributor management system ppt
Three significant individuals make up FMCG distribution channels: agents, merchants, and facilitators. By promoting a company's product, agents increase sales, but they never stock or purchase the item themselves.
Modern DMSs prevent stock outs and overstocking, improve supply chain efficiency, and enable businesses to obtain real-time data from distributors. They also streamline all distribution operations and activities.
The use of electrical energy has grown dramatically in recent years, and both customer demands and standards of power quality have evolved significantly. The efficient use and dependability of electric energy became crucial as it became a necessity for daily living.
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If the price in a competitive market falls and goes below the equilibrium price, then consumer surplus might increase, but producer surplus will definitely decrease.
If the price in a competitive market falls and goes below the equilibrium price, then consumer surplus might increase, but producer surplus will definitely decrease. The above statement is true.
What is equilibrium price?On a diagram, when two lines intersect, it usually means something. On a graph, the equilibrium is represented by the intersection of the supply and demand curves (S and D).The only price at which consumer and producer desires coincide is equilibrium, or when the quantity of the good that consumers want to buy (quantity demanded) equals the quantity that producers want to sell (quantity supplied).The equilibrium quantity is that amount that both parties seek equally. Any other price causes the market to be out of equilibrium since the amount requested does not match the quantity supplied.To know about equilibrium price with the given link https://brainly.com/question/14480835
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What does the quantity theory predict will happen to inflation if the money supply rises 10 percent?
The quantity theory predicts a 10% rise to happen to inflation if the money supply rises 10 percent.
The quantity theory of money is one of the main areas of study for the subject of economics known as monetary economics.
The quantity theory of money states that, under the assumption that real output is constant and money velocity is constant, the general level of prices for goods and services in an economy is proportionate to the money supply.
The forces that affect the supply and demand of any good or service also affect the supply and demand of money: ceteris paribus, an increase in the quantity of money results in a fall in the marginal value of money, which lowers the purchasing power of one unit of currency.
Hence, a 10% rise happens to inflation if the money supply rises 10 percent according to quantity theory.
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Bond P is a premium bond with a coupon rate of 8.2 percent. Bond D is a discount bond with a coupon rate of 4.2 percent. Both bonds make annual payments, have a YTM of 6.2 percent, and have seven years to maturity. Requirement 1: What is the current yield for bond P
The current yield for bond P is 5.38%.
Current value of bond = Face value/(1+ YTM)^n
Assuming the face value of the bond is $1,000 and substituting the values in the formula we get,
Current value of bond =$1,000/((1+6.2%)^7)
=$1,523.60
Annual coupon payment of Bond P = par value x coupon rate
Substituting the values in the formula we get,
Annual coupon payment of Bond P = $1,000 x 8.2% = $82
The current yield of bond = annual coupon payment/ current value of bond
Substituting the values in the formula we get,
Current yield of bond = $82/ $1,523.60
= 5.38%
Hence, the current yield for bond P is 5.38%.
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Which two texas metropolitan areas are national centers for the high-tech industry?
Which two texas metropolitan areas are national centers for the high-tech industry: Dallas and Austin
metropolitan area, also called Metropolis, a major city together with its suburbs and nearby cities, towns, and environs over which the major city exercises a commanding economic and social influence.
The general concept of a metropolitan area is that of a core area containing a large population nucleus, together with adjacent communities that have a high degree of economic and social integration with that core.
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Price elasticity of illegal versus legal cannabis: a behavioral economic substitutability analysis free
"Price elasticity of illegal versus legal cannabis: a behavioral economic substitutability analysis free"
This study used behavioral economics to investigate the substitutability of legal and illegal cannabis in legalized catchment areas in the United States.
The federal government classifies cannabis as a Schedule I controlled substance. This means that it is a federal crime to possess and use cannabis in any form, even for medical purposes. It is also illegal to grow and sell them. The Controlled Substances Act (CSA) identifies marijuana (“marijuana” in the Act) as a Schedule I drug. is defined as a cannabis plant containing Greater than 0.3% on a dry weight basis.
Legalization means that a drug, once banned, is legalized under federal or state law. Decriminalization means that once-banned drugs remain banned by law, but the legal system does not allow individuals to be prosecuted or criminalized if they drop below a certain amount. there is no.
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Marci is 11 years old. She walks her neighbors' dogs for cash. Her income from this service is probably part of the informal economy.
Her income from this service is probably part of the informal economy is true.
An informal income (informal region or gray economic system)is the part of any economic system that is neither taxed nor monitored by using any shape of the presidency.
Although the informal region makes up a widespread portion of the economies in developing nations, it's miles every now and then stigmatized as difficult and unmanageable.
However, the informal region affords important economic possibilities for the negative and has been increasing swiftly because the 1960s. Integrating the informal financial system into the formal quarter is a vital coverage assignment.
In lots of cases, not like the formal economic system, sports of the informal economic system are not blanketed in a rustic's gross national product (GNP) or gross home product (GDP).
Your question is incomplete. Please read below to find the missing content.
Marci is 11 years old. She walks her neighbors' dogs for cash. Her income from this service is probably part of the informal economy.
True
false
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What occurs when a company keeps tabs of competitor's activities on the web using software that automatically tracks all competitor website activities such as discounts and new products
BI can help managers with competitive monitoring where a company keeps tabs on its competitor's activities on the web using software that automatically tracks all competitor website activities such as discounts and new products.
BI - BUSINESS INTELLIGENCE - Business intelligence refers to the techniques and tools employed by organizations for the administration and analysis of business data.
BI assists users in making decisions based on data analysis. Advanced statistics and predictive analytics are used by data scientists to delve into the details of data in order to find patterns and predict new patterns.
They consist of extensive platforms, data visualization, embedded software programs, location intelligence software, and self-service apps created for non-technical users.
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A broker has a listing agreement wherein she is paid an agreed-upon fee or commission regardless of who sells the property. What type of listing agreement is this
The answer is the exclusive right to sell agreement.
When dealing with an agent, you will have a few listing alternatives when deciding to sell your home.
The exclusive right to sell listing is one of the most common choices. A real estate agent or broker and you simply enter into an exclusive contract giving them the sole authority to sell and advertise your house.
This means that while your agreement is in effect, you are unable to work with another broker or agent.
As long as the exclusive right to sell agreement is in force, the seller must pay the real estate agent a commission regardless of who ultimately sells the property.
Hence, when a broker has a listing agreement wherein she is paid an agreed-upon fee or commission regardless of who sells the property. This type of listing agreement is an exclusive right to sell agreement.
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If the competitive firm depicted in this diagram produces output Q, it will Multiple Choice achieve productive efficiency but not allocative efficiency. suffer an economic loss. earn a normal profit. earn an economic profit.
If this competitive firm produces output Q, it will (B) earn a normal profit.
What is the demand curve?On a graph, a demand curve depicts the relationship between quantity requested and price in a specific market. According to the law of demand, a greater price usually results in a smaller amount required. A supply schedule is a table that indicates the quantity supplied at various market prices.Equilibrium is reached when the quantities demanded and supplied are equal. In a graph, we can depict a market in equilibrium by showing the combined price and quantity at which the supply and demand curves intersect.As we can see in the diagram MC and ATC intersect at the point of price, thus at that point the firm will earn the normal profit.
Therefore, if this competitive firm produces output Q, it will (B) earn a normal profit.
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Complete question:
If this competitive firm produces output Q, it will:
A. suffer an economic loss.
B. earn a normal profit.
C. earn an economic profit.
D. achieve productive efficiency, but not allocative efficiency.
Databases, blogs, and social networking help companies gather to meet consumer needs through the development of products and services.
Databases, blogs, and social networking help companies gather information or data to meet consumer needs through the development of products and services.
What is social networking?Social networking can be defined as the way of connecting and interacting with people by using online platform.
Hence, Databases, blogs, and social networking play an important function as they help companies or organization gather information or data that will help them meet their consumer needs or wants through the development of products and services.
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Giving workers responsibility for quality improvements and authority to make changes is known as:______
a) continuous improvement.
b) employee involvement.
c) employee empowerment.
d) passing the buck.
e) benchmarking.
Giving workers responsibility for quality improvements and authority to make changes is known as employee empowerment. Option C. This is further explained below.
What is Employee empowerment?Generally, Employee empowerment may be defined as the condition in which employers empower their staff members by delegating significant responsibilities to those staff members. These responsibilities should be of high value and assistance to the business.
In conclusion, Employee empowerment is the process of giving staff members responsible for quality improvements and the freedom to implement changes.
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Which communications management practice includes specifying all of the communications systems.
All of the communication channels and platforms that parties will use to exchange information are specified in Agreements.
What is an Agreement?A shared choice, position, or arrangement is what is meant by the concept of agreement. The choice made by two persons to split an apartment's rent is an illustration of an agreement.
Types of the agreement are:-
Grant. Cooperative Agreement. Contract. Memorandum of Understanding. Non-Disclosure Agreement. Teaming Agreement. Material Transfer Agreement.To learn more about agreement from the given link:
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Companies issue convertible debt in order to obtain financing at a cheaper interest rate. True False
The statement is:
True , The conversion privilege entices investors to accept a lower interest rate than would normally be the case on a straight debt issue.
What Is Convertible Debt ?Convertible debt is a loan or debt obligation from an investor that is paid with equity or stocks in a company. Convertible debt is also known as convertible loans or convertible notes.
What is Convertible Bond ?A convertible bond is a fixed-income corporate debt security that yields interest payments, but can be converted into a predetermined number of common stock or equity shares.
However, convertible bonds tend to offer a lower coupon rate or rate of return in exchange for the value of the option to convert the bond into common stock. Companies benefit since they can issue debt at lower interest rates than with traditional bond offerings. However, not all companies offer convertible bonds.
Hence , from the given scenario of the question the statement is TRUE.
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ABC, Inc. wants to expand into the Central American market. It has the financial resources, wants to control business operations, and has had considerable success marketing to Hispanics in the United States. ABC will likely use ________ to expand into the Mexican market.
ABC, Inc. wants to expand into the Central American market. It has the financial resources, wants to control business operations, and has had considerable success marketing to Hispanics in the United States. ABC will likely use foreign direct investment (FDI) to expand into the Mexican market.
What is Foreign Direct Investment?A foreign direct investment (FDI) occurs when a business or investor from outside the country buys a stake in the company.The phrase typically refers to a commercial decision to buy a sizable portion of a foreign company or to buy it altogether in order to expand its operations to a new area. It is uncommon to use it to refer to a stock investment in an international business.Companies that are thinking about making a foreign direct investment often only examine open economies with trained labor and above-average growth potential for the investor. The value of minimal government regulation is also common.FDI typically includes non-capital investments as well. It might also entail the provision of management, technology, and tools.To learn more about foreign direct investment (FDI) with the given link https://brainly.com/question/13526780
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The problem of bankruptcy is associated with overuse and misuse of credit in the
The issue of bankruptcy is linked to the overuse and misuse of credit in the part of financial planning. Financial planning is the process of thoroughly analyzing your financial situation and developing a customized financial plan to achieve your goals.
As a result, financial planning frequently covers a wide range of financial topics, including insurance, investing, taxes, savings, retirement, and more. Financial planning can include a wide range of services, which we outline below.
Instead than concentrating on just one area of your money, it sees clients as actual individuals with a range of objectives and duties. After that, it discusses a number of financial realities to determine how to help individuals live their lives to the fullest.
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Industry analysis focuses on the amount spent on research and development by individual companies within the industry.
a. true
b. false
Industry analysis focuses on the amount spent on research and development by individual companies within the industry. The given statement is FALSE.
Businesses and analysts use industry analysis as a tool for market analysis to comprehend an industry's competitive dynamics.
It assists them in gaining an understanding of what is going on in a given industry, including statistics on demand and supply, the level of competition within the industry, the industry's position in relation to other emerging industries, and the industry's prospects for the future in light of technological advancements, among other things.
An entrepreneur or business can use industry analysis as a tool to better understand where their company stands in relation to other industry players.
It gives them a clear understanding of the current and future state of the sector and assists them in identifying both opportunities and risks that may affect them.
Understanding and utilizing the contrasts between yourself and your industry competitors can help you survive in this always-shifting business environment.
Hence, The given statement is FALSE.
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