Financial organizations that accept no deposits but offer many of the same services as regular banks are called non-banks
A non-bank financial institution (NBFI) is a financial institution that does not have a full bank license and cannot accept deposits from the general public. However, NBFI enables alternative financial services such as Investment (collective and individual), risk pooling, financial advice, brokerage, remittance, and check to cash.
Examples of non-bank financial institutions include insurance companies, venture capitalists, currency exchange offices, microcredit organizations, and pawn shops. These non-bank financial institutions are not always suitable for banks, they compete with banks and offer sector- and group-specific services.
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True or false: the shared value creation framework aims to reconcile the concept of gaining and sustaining a competitive advantage with corporate social responsibility
True.
The shared value creation framework provides guidance to managers about how to reconcile the economic imperative of gaining and sustaining competitive advantage with corporate social responsibility. It helps managers create a larger pie that benefits both shareholders and other stakeholders.
The purpose of corporate governance is to facilitate effective, entrepreneurial, and prudent management that can deliver the long-term success of the company. Corporate governance is the system by which companies are directed and controlled. Boards of directors are responsible for the governance of their companies.
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**Verifiability means that the accounting information:
Question content area bottom
Part 1
A.
is material and relevant.
B.
is timely and understandable.
C.
is understandable.
D.
must be capable of being checked for accuracy, completeness and reliability.
Accounting information that has verifiability is one that D. must be capable of being checked for accuracy, completeness and reliability.
What is verifiability in accounting?in accounting, data is considered to be verifiable if a third party can come up with the same information given the chance.
for this to happen, the data needs to be capable of being checked for completeness and reliability.
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In a small open economy, if the world real interest rate is above the rate at which national saving equals domestic investment, then there will be a trade ______ and ______ net capital outflow.
In a small open economy, if the world real interest rate is above the rate at which national saving equals domestic investment, then there will be a trade deficit and positive / zero / negative net capital outflow.
The Department of Economic Affairs, Ministry of Finance, Government of India, oversees the National Savings Institute. The Institute is responsible for mobilizing deposits in the government of India's national savings schemes, which are run by selected banks and post offices across the nation. The Institute engages in a variety of activities for the promotion and mobilization of savings, including national-level promotion of the schemes, data collection and collation, inspection by the Department of Economic Affairs to assess whether small savings rules are being implemented by post offices and banks, liaison and coordination with the State Governments, Banks, Department of Posts, and Extension Agencies, and forecasting of collections for better cash flow.
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Strategies to reduce costs and expenditures, such as the rationing of care, very likely will have an adverse effect on
Strategies to reduce costs and expenditures, such as the rationing of care, very likely will have an adverse effect on quality.
A cost is what?
A cost is a sum expended to purchase an object. It usually refers to a one-time payment for the acquisition of a fixed asset, which is an asset purchased for long-term usage and not easily convertible into cash, such as land, buildings, and equipment. Prepaid expenses, like prepaying for insurance, can also be referred to as costs.
What exactly is an expense?
While costs are typically one-time payments, expenses are better thought of as monthly payments made to support continuing corporate activities. The ability of a corporation to earn revenues depends on these payments. The amount by which revenues or profits surpass operating costs and expenses, or profitability ratios, is directly impacted by spending.
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Gross domestic product understates the total production of final goods and services because of the omission of
Gross domestic product understates the total production of final goods and services because of the omission of option(d) i.e, the underground economy.
The gross domestic product (GDP) is a commonly used indicator of the value added produced by the production of goods and services in a country over a certain time period (GDP). As a result, it also takes into account the money made from that manufacturing or the sum of money spent on finished goods and services (fewer imports).
The four primary parts of the gross domestic product are government spending, corporate investment, personal consumption, and net exports.
Since it tells us about the size and health of an economy, GDP is important. Real GDP growth is frequently employed as a proxy for the state of the economy as a whole. Real GDP growth is typically regarded as a sign that the economy is doing well.
The demand for labor, the major and usually the only asset of the poor, rises as employment prospects improve. In turn, increasing employment has been a major factor in producing quicker growth.
The underground economy is made up of transactions that are deemed unlawful or do not follow the government's reporting standards.
Therefore, because they are not included, the GDP is understated.
The complete question is:
Gross domestic product understates the total production of final goods and services because of the omission of inflation. intermediate goods. exports. the underground economy.
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A method of community organization that is used to address a problem through the applicatio of pressure is________.
A method of a community organization that is used to address a problem through the application of pressure is social advocacy.
Community organizing is the method of building power by involving a constituency in identifying problems they share and the solutions to those problems that they prefer; identifying the people and structures that could make those solutions possible; enlisting the targets in the effort through negotiation and using confrontation and pressure when needed.
Social advocacy is the act of helping a concept, need, person, or group. It is the concept of empowering a group or institution of individuals to support marketing strategy via sharing content and connecting with a larger target audience.
Social advocacy is what helps corporations and brands build their credibility. It is approximately getting other human beings to recognize and speak about your brand so that it will assist you to develop your audience, as well as improve your popularity.
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Yesterday you participated in a job shadowing event (una pasantÃa) where you chose a career person to follow and observe a day in their life.
An internship is an opportunity to experience a job for a day to get involved in all it with all activities required to perform that job.
What is an internship?An internship is a term for a low-paying internship that some professionals do to gain field experience.
The internship we would choose would be one day working in the health sector. For example, we would follow a doctor's routine. In general, one of the advantages of this work is that the doctor helps his patients by providing solutions for their health problems. However, a disadvantage is that in some cases the health of his patients is very deteriorated and he has no way of fully helping them.
What are the five sentences in Spanish related to the internship?1. Seleccionaría una carrera relacionada con el sector de la salud.
2. Seguiría la rutina diaria de un médico.
3. La ventaja de ser medico, es ayudar a sus pacientes a mejorar su salud.
4. La desventaja de ser médico, es que no podemos ayudar de igual manera a todos los pacientes.
5. Esta profesión es muy importante porque se trata de salvar vida y prevenir daños graves.
What information can be obtained in this internship?According to the questions in the statement, I chose the internship with a professional athlete, specifically a cyclist.
In this job there are advantages related to health and well-being that constant exercise brings. However, this is also a problematic aspect because it can cause injuries and discomfort in the body.
Your question is incomplete, but most probably your full question was:
Yesterday you participated in a job shadowing event (una pasantÃa) where you chose a career person to follow and observe a day in their life.
In 5 detailed sentences in Spanish, recount the day's events as best as you can.
Which career did you choose? (seleccionar)
Who did you follow? (seguir)
What is a benefit (ventaja) and a drawback (desventaja) of working in that profession?
Your response must contain at least 5 detailed and complete sentences in Spanish.
Your response needs to be at least 30 seconds in length in Spanish primarily using the preterite tense.
You will be graded on (a) message delivery/comprehension, (b) control of target grammar structures, (c) pronunciation, (d) control of target vocabulary, and (e) task completion per the World Languages Speaking Rubric.
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Assume you are a manufacturer of small kitchen electrics, like Hamilton Beach/Proctor Silex, and you want to determine if some innovative designs with unusual shapes and colors developed for the European market could be successfully marketed in the U.S. market. What qualitative research would you recommend, and why?
Interviewing would be the best method of qualitative research.
What qualitative research would you recommend, and why?Interviewing would be the method of qualitative research that I would use. I would use interviews (more particularly, the interview question funnel) since I could collect feedback from a particular demographic. I would want to know: Which design do you like most for little kitchen appliances? What design preferences do you have for blenders? is my focused query. Do these European designs appeal to you? This is the question I would use to gauge the client's interest. I would acquire the feedback I need by speaking with a variety of people.
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Better Houses, Inc. has been contracted to build an addition on the Joyners' house. It built half of the addition and then unexpectedly announced that it was not going to finish the job. Such a desertion of work is called:
Better Houses, Inc. has been contracted to build an addition on the Joyners' house. It built half of the addition and then unexpectedly announced that it was not going to finish the job. Such a desertion of work is called "Abandonment of contractual obligations".
What is contractual obligations?Contractual obligations are responsibilities that each party is bound by law to fulfill under the terms of the agreement.
Each contract involves one or both parties exchanging anything of value in connection with a variety of duties, such as goods, services, money, etc.
Elements of a Contract are-
Offer: An offer was made when one of the parties pledged to carry out or refrain from carrying out a specific action in the future.Promise of consideration: A promise of something of value in return for the intended conduct or inaction. This can be demonstrated by a substantial outlay of resources, a promise to provide a service, a commitment not to do something, or reliance on the promise. The incentive for the parties to enter into the agreement is known as consideration.Acceptance: The offer was unmistakably accepted. Acceptance can be demonstrated through words, actions, or by carrying out the contract's requirements. In general, the terms of the acceptance must match those of the offer. If not, the acceptance is interpreted as a counteroffer and rejection.To know more about the contractual obligations, here
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In a local school, vending machines offer a range of drinks from juices to sports drinks. The purchasing agent thinks each type of drink is equally favored among the students buying drinks from the machines. The recent purchasing choices from the vending machines are shown in the table
Based on the table on the different drinks offered by the vending machines, the number of each drink you can expect to get is 170 drinks,
What is the expected number of each drink?The expected number of each drink can be found as:
= Total number of drinks purchased / Number of drink choices
Solving gives:
= (159 + 198 + 174 + 149) / 4
= 680 / 4
= 170 drinks
Question is:
According to the purchasing agent, how many of each drink should you expect to get?
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What should buyer insert into their purchase offer to make sure they would not have to go through the purchase if they cannot obtain the necessary financing
Option C. contingency is what buyer should insert into their purchase offer to make sure they would not have to go through the purchase if they cannot obtain the necessary financing.
What is financing?Finance, of financing, is the process of raising funds or capital for any kind of expenditure. It is the process of channeling various funds in the form of credit, loans, or invested capital to those economic entities that most need them or can put them to the most productive use.
Therefore, the correct answer is as given above
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The complete question goes thus:
What should buyer insert into their purchase offer to make sure they would not have to go through the purchase if they cannot obtain the necessary financing
A escape clause
B provision for liquidated damages
C contingency
D walkthrough agreement
Daniel and Debra have a principal residence in Ohio, but they also own residences in South Carolina and Colorado. None of the homes are rental property. For 2021, their total real property tax bills total $9,800. On how many of these homes can Daniel and Debra deduct the real property taxes?
Daniel and Debra deduct the real property taxes on 3 homes.
Fixed asset tax rate from 1% to 2% of the appraisal value.
Article 233 of the Local Government Act of 1991 provides the following basic fixed asset tax rates based on the appraisal value of the real estate in the Philippines. 2% for cities or municipalities in Metro Manila.
Real estate includes land, permanently related buildings, and facilities. Property taxes are levied on agricultural, commercial, industrial, residential, and practical assets. Private property is a property that is not permanently attached to real estate. B. Appliances, furniture, tools, computers.
Real estate is real estate and anything that is permanently attached to real estate. Property owners have all property rights, including the right to own, sell, rent and enjoy the land.
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If a country's economic data shows private savings of $400 million, government spending of $250 million, tax revenue of $400 million, and a trade surplus of $175 million, then what does investment equal
investment equal 75 million
Question Content Area FIFO reports higher gross profit and net income than the LIFO method when a.prices are decreasing b.prices remain stable c.prices are reduced by 50% d.prices are increasing
The correct answer is Option A.
FIFO reports higher gross profit and net income than the LIFO method when prices are increasing.
What is Gross Profit?Gross profit is the amount of money a business makes after deducting costs for producing, distributing, and selling its goods or services. A company's income statement will show gross profit, which is derived by deducting cost of goods sold (COGS) from revenue (sales). The income statement of a business will contain these numbers. Sales profit or gross income are other names for gross profit. Gross profit measures how well a business uses its work force and resources to produce goods and services. The main focus of the metric is on variable costs, or expenses that change depending on the volume of output.The FIFO technique refers to an inventory system where the most recent purchases make up the ending inventory and the first products acquired are assumed to be sold first (i.e., First In First Out).
The LIFO approach, on the other hand, is the exact opposite. The first item purchased makes up the ending inventory, and the most recent purchases are sold first (last item that is in is sold first).
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The relationship formed between the seller and the customer after they both assess trade-offs and swap value is called the: a.selling process b.sharing process c.exchange process
The relationship formed between the seller and the customer after they both assess trade-offs and swap value is called the b.sharing process.
Sharing is sharing resources or spaces. It is also a process of sharing and distribution. In a narrower sense, it refers to the communal or alternating use of finite commodities, such as communal pastures or communal apartments.
Knowledge sharing is the process of transferring implicit (undocumented) and explicit (documented) information from one person to another. In companies, sharing knowledge not only increases productivity but also enables employees to perform their jobs effectively and efficiently.
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Which of the following statements is false with regards to internal controls? a) Stockholders of publicly-traded companies can be imprisoned if their companies fail to comply with internal control rules. b) Publicly-traded companies must develop a system of internal control. c) None of these is false, Publicly-traded companies internal control system must be evaluated by the company's independent auditor. d) Publicly-traded companies must ensure that their internal controls are reliable and effective.
The question is about the internal controls, a public limited company is required to maintain a good level of internal controls and so A) is false.
What is Internal Control?Internal controls are the controls which are enforced by the management, improved by internal auditors and checked by external auditors.
There is no such clause if a public traded company fails to comply with internal controls the stockholders are not imprisoned instead the stockholders are the shareholders or the owner of the company.
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Which industry are entrepreneurs drawn to because the industry offers the highest return on time invested and appeals to the talent and innovation that many small enterprises typify?
Entrepreneurs are drawn to the services industry to open their new businesses because this industry offers the highest return on time invested and appeals to the talent and innovation that many small enterprises typify.
An entrepreneur is an individual who creates a brand new business, bearing most of the risks and playing a maximum of the rewards. The method of setting up a business is referred to as entrepreneurship. The entrepreneur is normally seen as an innovator, a supply of new thoughts, goods, offerings, and commercial enterprise/or processes.
Examples of entrepreneurs encompass invoice Gates, Steve Jobs, Mark Zuckerberg, Pierre Omidyar, Arianna Huffington, and Caterina fake. important traits of hit entrepreneurs consist of threat taking, creativity, initiative, hassle fixing, organizational capabilities, conversation, and independence.
A study by means of American explicit OPEN determined that extra than half of the entrepreneurs surveyed were paying themselves a full-time revenue, and typically making $ 68,000 a yr. That variety rises and falls from 12 months to year, however, hovers around $70,000.
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If an economy is in short-run equilibrium that is below potential, what forces will bring the economy to long-run equilibrium?
If an economy is in short-run equilibrium that is below potential, the forces that will bring the economy to long-run equilibrium are new price level, nominal salaries, prices, and perceptions decrease.
Real GDP equilibrium and the short-run price level are determined by the junction of the economy's aggregate supply and demand curves. Its long-run equilibrium is determined by where aggregate demand and aggregate supply intersect.
The concept of the long run states that all markets are in equilibrium, all prices have fully adjusted, and all quantities are in equilibrium. The short-run, in contrast, is characterised by some limitations and a partial state of market equilibrium.
When enough time has passed and no factors have been fixed, the overall supply shifts from the short to the long term. Then, the new short-run and long-run equilibrium states are contrasted with that condition of equilibrium.
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A truckload of lumber that a homeowner purchased has been left in the driveway for use in building a porch. The lumber is considered
A truckload of lumber that a homeowner purchased has been left in the driveway for use in building a porch. The lumber is considered personal property {until it's built}.
All non-real estate property is considered property. This includes all clothing, jewelry, all tangible items such as household items and furnishings, and everything else that is mobile and not permanently attached to a fixed location such as a home.
Other financial assets such as bank accounts and investment accounts are also considered personal assets. Creditors often take this into account when determining the likelihood of a borrower repaying a debt, so when applying for a loan or credit, you consider your personal assets as assets to increase your value can list.
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Periodically, merrill lynch customers are asked to evaluate merrill lynch financial consultants and services. Higher ratings on the client satisfaction survey indicate better service with the maximum service rating. Independent samples of service ratings for two financial consultants are summarized here. Consultant a has years of experience, whereas consultant b has year of experience. Use and test to see whether the consultant with more experience has the higher population mean service rating. Round degrees of freedom to previous whole number.
a) Null hypothesis ([tex]\mu _{a} \leq \mu _{b}[/tex]) for merrill lynch customers are given as
Alternative hypothesis:[tex]\mu _{a} > \mu _{b}[/tex]
[tex]t =\frac{6.82-6.25}{\sqrt{\frac{0.64^{2}}{16}} + \sqrt{\frac{0.75^{2}}{10}} }[/tex]
t = 1.992
What is null hypothesis?Conjectures used in statistical tests, which are formal techniques for drawing conclusions or making judgments based on data, include the null hypothesis and the alternative hypothesis.The hypotheses, which are based on a sample of the population, are suppositions regarding a statistical model of the population. The tests are essential components of statistical inference and are frequently used to distinguish between statistical noise and scientific claims when interpreting experimental data in science.The null hypothesis, which is the statement being tested in a test of statistical significance, is typically a declaration of "no effect" or "no difference," and the test of significance is intended to evaluate the strength of the evidence against itKnow more about Null hypothesis
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The irr rule can lead to bad decisions when cash flows are _____ or projects are mutually exclusive.
The IRR rule can lead to a business making a bad decision if the projects are mutually exclusive and if cashflows are not conventional.
What is the IRR rule?This is a rule in capital budgeting that uses a rate which equates the Net Present Value of a project to zero.
The problem with this method is that if the cash inflows are not conventional, the IRR might make a project seem less profitable than it is which could lead to it being rejected.
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suppose an individual worker is on the backward bending portion of her labor supply curve. then for a wage increase the
An individual worker is on the backward bending portion of her labor supply curve. then for a wage increase the income effect is stronger than the substitution effect.
What is backward-bending supply curve?A backward-bending supply curve of labor, also known as a backward-bending labour supply curve, is a graphical representation of the situation where, as real wages rise above a certain point, people will start to substitute leisure for paid work time. As a result, higher wages result in a decrease in the labour supply, and less labor is available for hire.
What causes backward bending labor supply curve?However, the backward-bending labor supply curve appears when an even higher income actually encourages people to work less and consume more leisure or unpaid time.
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Bookmark question for later one benefit of ________ is that employees can access knowledge and expert systems on a just-in-time basis. Distance education time freedom remote learning technology
Answer is technology.
Just-in-time (JIT) inventory is the management method that reduces the inventory while increasing the efficiency. Since Toyota introduced just-in-time production in the 1970s, it is also known as the Toyota Production System (TPS).
Toyota Motor Company: Toyota is a well-known example of a company that uses the JIT process. When a customer puts an order, Toyota only gets raw materials at the factory when it is ready to begin manufacturing the vehicle. This procedure reduces inventory keeping expenses.
Therefore, the answer is technology which has made access knowledge and expert system by employees on a just in time basis.
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The imposition of a price ceiling on a market often results in:
The imposition of a price ceiling on a market often results in a shortage.
Price ceilings prevent a charge from growing above a certain stage. whilst a rate ceiling is set beneath the equilibrium charge, the amount demanded will exceed the amount provided, and extra calls for or shortages will result.
The usual end result of a charge ceiling is a shortage because whilst a charge ceiling is set beneath the equilibrium charge, the quantity demanded is greater than the quantity supplied.
A charge ceiling is illegally imposed on most rates. When the rate is about underneath the equilibrium rate, the quantity demanded will exceed the amount supplied. This could bring about a shortage.
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ABC Bank offers to lend you $50,000 for one year at a quoted annual rate of 8.44% with each payment at the end of each month. DEF Bank also offers to lend you the same amount at a quoted annual rate of 8.64%, with each payment at the end of each quarter. What is the difference in the effective annual rates charged by the two banks
The difference in the effective annual rates charged by the two banks is approx 0.22.
ABC=[(1+0.0838/12)^12]-1
=[(1+0.00698333333)^12]-1
=[(1.00698333333)^12]-1
=1.08709-1
=8.709%(Approx)
DEF=[(1+0.0864/4)^4]-1
=[(1+0.0216)^4]-1
=[(1.0216)^4]-1
=1.08924-1
=8.924%(Approx)
Hence difference=8.924-8.709
=0.22(Approx)
The Annual Rate (EAR) is an interest rate compounded over a period of time. Simply put, APR is the interest rate an investor can earn (or pay) in his one-year period after compounding.
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If the poverty threshold for a household of four is $20,000 and the rockefeller family of four has an income of $24,000, then the rockefellers are classified as:________
If the poverty threshold for a household of four is $20,000 and the Rockefeller family of four has an income of $24,000, then the Rockefellers are classified as near poor (ratio of 1.2). This is further explained below.
What is the Rockefeller family?Generally, For example, if the poverty line for a four-person household is $20,000, and the Rockefellers make $24,000, they are considered near-poor (ratio of 1.2).
In conclusion, Whatever remained of the money amassed by the Rockefeller family has been stowed away in charitable trusts or distributed among the family's hundreds of relatives. Forbes estimates that the aggregate net worth of the clan in 2020 was $8.4 billion, which is equivalent to £6.1 billion, however, this number may be on the low end of what is really possible.
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Autonomous expenditures Multiple choice question. vary with output. are the same regardless of production. are zero when income is zero. vary with income.
Autonomous expenditures are the same regardless of production.
What are autonomous expenditures?
Autonomous expenditures represents expenditure that do not vary with the level of production, income or output. It remains constant regardless of the level of income, production or output. It would remain positive when income is zero.
An example of autonomous expenditures in production is rent. Rent is a fixed expense that is determined by a contract. If the producer decides not to produce any goods for a week, the producer would still have to pay rent on the factory been used.
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Lucky has just inherited a rental house from his grandmother, which is great timing because he needed a place to live. the house has a tenant, so he can move in ________________.
Lucky has just inherited a rental house from his grandmother, which is great timing because he needed a place to live. the house has a tenant, so he can move in After the lease has ended and the tenant has moved out
This is further explained below.
What is the rental house?Generally, Homes bought by an investor and leased to tenants under some other kind of rental arrangement are referred to as residential rental property.
In conclusion, Lucky's grandma just passed away, and as a result, he has inherited a rental property from her. This comes at an excellent time for Lucky, since he has been looking for a new home. Since there is already a renter in the residence, he is free to move in. After the term of the lease has expired and the tenant has left the premises
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A popular entrepreneurship method used to assess whether creative solutions actually address customer problems is called the
A popular entrepreneurship method that's used to assess whether creative solutions solve customer problems is known as the value proposition canvas.
The four factors of production.In Economics, there are four (4) main factors of production and these include the following:
LandCapital resourcesLaborEntrepreneurshipGenerally, the value proposition canvas is a famous entrepreneurship method that's used by entrepreneurs to assess whether creative solutions solve customer problems.
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A leader who initiates change in a company by enhancing the culture of the work environment is using?
A leader who initiates change in a company by enhancing the culture of the work environment is using transformational leadership.
Leadership as both a field of study and practical skills includes the ability of an individual, group, or organization to "lead, influence, or direct" another individual, team, or organization as a whole. The word "leadership" is a common controversial term.
A leader is someone who is responsible for persuading others to follow you. Great leaders instill confidence in others and put them into action. The leader is the head or girl who runs the show.
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