open checking account online instantly without initial deposit at: Axos Bank. Capital One. Discover. Monorail. State Farm. Varo. Ally Bank (high-interest option with unique online integrations; mobile check deposits, voice transfers, and automated savings programs).
Can I open a free checking account online?Yes, you can open a checking account without having anything to deposit. Open a checking account for free online with MyFree checking account or at local branch.
Where can I open a checking account without money?Some options are Ally, Simple and Moven. Each of these banks has no monthly fees and no minimum balance requirements. It also offers features such as online banking, mobile banking and ATM access.
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Write a select that returns customerid, companyname, custlastname and phone of each customer with no orders
Select CustNo, CustFirstName, CustLastName is a select that returns customerid, companyname, custlastname, and phone of each customer with no orders.
In organizational studies, resource management is the efficient and effective development of organizational resources when needed. Such resources may include financial resources, inventory, human skills, manufacturing or information technology (IT) resources, and natural resources.
In the area of project management, processes, techniques, and philosophies have been developed for the best approach to resource allocation. This includes discussions of functional and inter-functional resource allocation and processes supported by organizations such as the Project Management Institute (PMI) through their Project Management Body of Knowledge (PMBOK) methodology of project management.
Resource management is a key factor in estimating activity resources and managing project staff. Both are important components of a comprehensive project management plan for successful project implementation and monitoring.
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True or false: A value chain system is defined as a company's own value chain combined with those of its suppliers but not those of its wholesale distributors, who deal with finished products.
It is false that a value chain system is defined as a company's own value chain combined with those of its suppliers but not those of its wholesale distributors, who deal with finished products.
What is value chain?A value chains contains actors and important stakeholders in a business value chin. This people cannot be excluded from a a business if success is wanted.
It include the wholesaler, retailer, transporter even to the consumer.
Therefore,
It is false that a value chain system is defined as a company's own value chain combined with those of its suppliers but not those of its wholesale distributors, who deal with finished products
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12. 15. How can a forward contract on a stock with a particular delivery price and delivery date be created from options?
When both options have a strike price and an exercise date, a forward contract is formed by purchasing a European call and selling a European put.
A forward contract is a customizable derivative contract between two parties to purchase or sell an asset on a future date at a defined price.
Forward contracts may be customized to include a particular commodity, quantity, and delivery date. Forward contracts are considered over-the-counter (OTC) products since they are not traded on a controlled exchange.
Forward contracts, for example, can enable agricultural producers and users hedge against changes in the price of an underlying asset or commodity. A European call option grants the holder the right to purchase the underlying securities at the expiration date. A European put option entitles the holder to sell the underlying securities at the expiration date.
As a result, the answer is that a forward contract is constructed by acquiring a European call and selling a European put when both options have a strike price and an exercise date.
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Determine which of the following statements is correct regarding the relationship of ending inventory and beginning inventory.
The ending inventory of the previous period is the beginning inventory of the current period.
Beginning inventory is the amount of a product. A commercial enterprise has in stock at the start of an accounting length which includes a month or 12 months. due to the fact each accounting length connects to the subsequent, the beginning inventory of one length will be similar to the ending inventory of the previous.
Beginning inventory, or opening inventory, is your inventory cost at the beginning of an accounting duration. For that reason, finishing inventory, or last inventory is the cost of the stock at the top of an accounting duration.
Ending inventory is the value of goods nevertheless available for sale and held via a business enterprise at the end of an accounting length. The dollar amount of ending stock may be calculated by the usage of multiple valuation techniques.
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and money is transferred out of a checking account, it is the transfer of funds that constitutes the actual payment for the good and service.
The price made to dealers that lend or store money is expressed as an annualized percentage of the monetary amount lent or saved. every now and then known as nominal hobby price or rate of cash.
The Fed implements financial coverage normally with the aid of influencing the federal budget price, the hobby fee that financial institutions rate each different for loans in a single day market for reserves.
Required reserves def. the amount of reserves banks must maintain in their vault or with the Fed that they cannot lend out expanded reserve requirement banks need to hold extra deposits as reserves, as a result reducing the quantity available for loans.
Financial coverage. A macroeconomic coverage enacted through the relevant bank involves the control of cash delivery and hobby charges. This coverage is regularly used to stimulate increase, manage inflation, and control change rates.
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As martin meets with people, he will continually look for new leads. What is the process by which martin will acquire new candidates from existing prospects or clients?
Strategic Prospecting is the process that martin will acquire new candidates from existing prospects or clients.
What is strategic prospecting?This is the term that is used to refer to the way that sales teams are able to identify the opportunities that are existent in sales and also how they are able to make use of these opportunities as they identify them.
In this case what has to do would be to create a profile for the prospects of customers that he is interested in. Then he would have to acquire new customers from existing prospects or clients. Hence the the process by which martin will acquire new candidates from existing prospects or clients is strategic prospecting
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After demonstrating how to return 2023 murano’s folded rear seats to their upright position, what should you remind new owners?.
New owners should be reminded to Gently rock the seatback forward to verify it is latched.
What is Murano?Nissan has been producing and marketing the Nissan Murano, a mid-size crossover SUV, since May 2002 for the 2003 model year. It is currently in its third iteration.
The Murano was developed by Nissan America in La Jolla, California, as the company's first crossover SUV for the US and Canada. It was built on the same Nissan FF-L platform as the third-generation Altima.
Sales of the Murano in Europe started in 2004.
Before the Rogue debuted on sale in September 2007, the Murano was the sole crossover SUV offered by Nissan in the United States. Since 2004 as a model for 2005, Nissan's second SUV based on a car had been available for purchase in Canada.
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Firms adopting a relationship marketing strategy view technology and social media as a(n)
Firms adopting a relationship marketing strategy view technology as a(n): increased opportunity to personalize marketing campaigns to meet customer needs.
What is relationship marketing strategy?
To assure long-term happiness and brand loyalty, relationship marketing refers to the marketing approach of fostering more meaningful ties with customers. Relationship marketing places more of an emphasis on long-term client satisfaction than it does on quick wins or quick revenues.
What is the role of technology in relationship marketing?
Information technology (IT) and its application in marketing are fundamentally changing how businesses conduct marketing. The links between marketing and other activities, as well as between marketing and suppliers and customers, are changing as a result of the ubiquitous availability of information and improved communication skills.
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If the price elasticity of demand for a good is 0. 5, then a 5 percent increase in price results in a.
A 5% increase in price leads to a 2.5% decrease in quantity demanded.
What is the effect of an increase in price?Price elasticity of demand measures the responsiveness of quantity demanded to changes in price of the good.
Price elasticity of demand = percentage change in quantity demanded / percentage change in price
Percentage change in quantity demanded = 5 x 0.5 = 2.5
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If a seller facing excess demand is unable to raise the price of the good due to a price ceiling, a likely result will be:
A likely result will be a decrease in the quality of a product.
The fee ceiling is a state of affairs while the price charged is greater than or less than the equilibrium fee decided with the aid of market forces of demand and deliver. It's been found that higher price ceilings are useless. price ceiling has been discovered to be of extraordinary importance within the residence rent marketplace.
A price ceiling is a legal maximum rate that one will pay for some good or carrier. A government imposes rate ceilings as a good way to preserve the price of some necessary precise or services low-cost. as an example, in 2005 at some stage after Hurricane Katrina, the price of bottled water expanded above $five according to the gallon.
A rate ceiling continues a fee from growing above a sure level (the “ceiling”), even as a fee ground continues a rate from falling underneath a given degree (the “ground”). This phase uses the call for and delivers a framework to research price ceilings. the following section discusses rate flooring.
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In its annual time use study in 2017, the bls found that the average adult spends __________ per day on unpaid work.
In its annual time use study in 2017, the BLS found that the average adult spends 2.4 hours per day on unpaid work.
An American government organization called the Bureau of Labor Statistics (BLS) is in charge of gathering and disseminating a variety of economic and employment data.
The Consumer Price Index (CPI) and Producer Price Index are two important inflation indicators produced by the BLS (PPI).
The BLS also generates regional and national statistics on wages, productivity, labor force participation, and employment.
The BLS, a division of the U.S. Department of Labor (DOL), is responsible for collecting, compiling, and publishing a variety of statistical data on the labor market, pricing, and productivity.
The figures this government agency generates are among the most important economic indicators for the American economy, and it goes to considerable pains to ensure the accuracy, impartiality, and accessibility of its reports.
Hence, in its annual time use study in 2017, the BLS found that the average adult spends 2.4 hours per day on unpaid work.
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The ________ level of the customer-value hierarchy, which includes brand positioning and competition in developed countries, involves preparation of a product that exceeds customer expectations
Answer: Augmented Product
Explanation:
New brands with small market shares tend to spend more on advertising and sales promotions than those with large market shares because _______.
New brands with a small market share tend to spend proportionately more for advertising than those with a large market share because of the reasons for higher advertising cost for smaller business is:
First, after a certain level of spending, diminishing returns make a place in the returns..
-Secondly sales or market share will decrease without mattering how much is spent on advertising and sales promotion. This is known as the advertising response function.
-Thirdly, new brands always tend to require higher spending to maintain a fixed minimum level of exposure to affect the purchase habits of the customers measurably.
New brands always require higher spending to reach that minimum level of exposure needed to affect purchase habits of the consumers.
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If a shift in aggregate demand only affects real Gross Domestic Product (GDP), then the short-run aggregate supply (SRAS) curve must be
If a shift in aggregate demand only affects real Gross Domestic Product (GDP), then the short-run aggregate supply (SRAS) curve must be (D) horizontal.
What is aggregate demand?Aggregate demand, also known as domestic final demand in macroeconomics, is the total demand for final goods and services in an economy at any given time. It is frequently referred to as effective demand, albeit this phrase is distinguished at times. This is a country's demand for its gross domestic output.Aggregate demand is estimated by combining consumer expenditure, government and business investment spending, and net imports and exports.If a change in aggregate demand has no effect on real GDP, then the short-run aggregate supply (SRAS) curve must be horizontal.Therefore, if a shift in aggregate demand only affects real Gross Domestic Product (GDP), then the short-run aggregate supply (SRAS) curve must be (D) horizontal.
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Complete question:
If a shift in aggregate demand only affects real Gross Domestic Product (GDP), then the short-run aggregate supply (SRAS) curve must be
(A) Vertical
(B) Upward sloping
(C) Downward sloping
(D) Horizontal
Accrued are earned in a period that are both unrecorded and not yet received in cash.
Accrued income is the income that is earned but has not yet been received by the company.
What is Revenue?Revenue is the income earned by a company, this is the sole reason for the existence of the company and company ensures that the expenses incurred by the company are less than the income earned so that the company stays to compete in the market.
Accrued income is the income for which the company have fulfilled its performance objectives which means the company have provided goods or services but the cash / income is not yet received by the customer, and it will be received in the future.
The company records a double entry for the accrued income and receivable, when cash is received this entry is reversed and sales and cash received is recorded. The accrual recording is a key task and should be performed by expert individuals.
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Employee benefits are:
a. monetary rewards.
b. usually not viewed as being part of one's total compensation.
c. nonmonetary rewards.
d. temporary incentives.
e. required.
Employee benefits are- monetary rewards, and temporary incentives.
Employees in an organization or a company benefit from both monetary rewards as well as temporary incentives. Monetary rewards are cash or financial compensation provided by an employer to an employee, typically in addition to their salary.
The employers also provides their employees with temporary incentives such as bonuses and raises, recognition and rewards, health and wellness, giving fun gifts to employees etc.
Hence, monetary benefits represent quantifiable cash rewards presented for accomplishments. Monetary rewards and temporary incentives are often used by the employers in order to encourage workers to meet their goals.
Hence, option A and D are correct.
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A ________ can educate customers when discussing their products or services and create excitement when they promote special offers.
One way to educate customers when discussing the products and servicers of a company is by using a C. Corporate blog.
What is a corporate blog?
This is a tool/ blog that allows the various customers of a company to discuss the goods and services on offer.
These discussions shed more light on the goods and the company can sometimes use them to promote special offers.
Options for this question include:
A. freemium App
B. network effect
C. Corporate blog
D. Page Search
E. professional blog
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The process of gathering information and deciding who should be hired, under legal guidelines, in the best interest of the organization and the individual is?
Answer is process of selection.
The selection process is the process of identifying and shortlisting the best candidates with the necessary qualifications and the skill set to fill unfilled jobs in a company. The selection procedure varies by industry, firm, and even across divisions within the same organization.
Every firm builds its selection process with the urgency of employing individuals and the requirements for the job vacancy in mind. Preliminary interview, screening of applicants, employment tests, selection interview, validations and recommendations, medical exam, and ultimate decision are the stages required in the selection process.
Therefore, the answer is selection process.
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The following graph represents the demand and supply for pinckneys (an imaginary product). The black point (plus symbol) indicates the pre-tax equilibrium. Suppose the government has just decided to impose a tax on this market; the grey points (star symbol) indicate the after-tax scenario.
The Deadweight loss and Producer surplus after the tax is imposed mathematically are given as
D= C + EPS=FWhat is Deadweight Loss?Generally, the equation for "Before the tax is levied, there is a consumer surplus." is mathematically given as
X = A + B + C
and Before the tax was implemented, the total well-being
Y= A + B + C + D + E + F
Total well-being after the imposition of the tax
Z = A + B + D + F
In conclusion, Deadweight loss
D = Y-Z
D= (A + B + C + D + E + F ) - ( A + B + D +F)
D= C + E
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Select the correct answer from each drop-down menu. Kevin is a store manager and has employees from diverse cultures reporting to him. He has often seen Marcos having arguments with his colleagues, Kwa Lee and Gaurav. What can Kevin do to ensure that there is team spirit and effective communication amongst all? Kevin can first be aware of his own attitude to diversity . He can also assess Marcos and him to change his behavior toward his other colleagues. He can also think of putting them together into similar departments to encourage .
Kevin leads in an autocratic manner since he just cares about his work. He seldom ever notices his subordinates. He doesn't even compensate the workers for their efforts.
Autocratic or authoritarian behavior as a leadership style.
An authoritarian leader consolidates his own personal control over both decision-making and authority. Without speaking to the workforce, he gives directions and assigns endeavors and liabilities. The pioneer assumes all authority and responsibility.
Negative leadership that relies on threats and punishment is autocratic.
Subordinates go about as he coordinates. He neither really focuses on their perspectives nor licenses them to impact the choice. He accepts that due to his position he alone can conclude what is best in a given circumstance.
Close oversight, unambiguous guidance, and directing requests from the majority are the foundations of autocratic leadership. It functions with quick decisions, brief activity, and heading unity. A lower level of appointment is required. Nevertheless, an excess of purpose of power could result in strikes and current debates. It makes sense to instill dissatisfaction and impede the growth of the employee limit.
Kevin leads in an autocratic manner since he just cares about his work. He seldom ever notices his subordinates. He doesn't even compensate the workers for their efforts. Individual control over all choices and little participation from the group are traits of his behavior. He frequently disregards advice and makes decisions based solely on his opinions and judgments.
These sorts of choice include the utilization of power gave on the singular taking the choice by the association's design. Hierarchical decisions are those decisions taken simply in light of a legitimate concern for the association. Directors are given the authority by the firm to settle on decisions in light of a legitimate concern for the association. Notwithstanding, this authority doesn't concede them the ability to pursue individual decisions. It should likewise be perceived that while hierarchical decisions can be assigned, individual decisions can't be appointed.
To explain further the concession among individual and hierarchical choice, let us think about the accompanying model. James Harrison was terminated by the supervisor since he didn't submit to the principles of the organization. This would be an authoritative choice. In any case, assuming James Harrison was terminated essentially on the grounds that the director loathed him for not a great explanation connected with the organization then that would be an individual choice. An authoritative choice is customized yet an individual choice is non-modified.
Functional:
Typically, judgments related to everyday activities are made functionally. These kinds of tailored choices are, by definition, meant to help the organization achieve short-term objectives. Chiefs at lower and middle levels typically make these decisions. Functional decisions must be made within the framework of the organization's established practices. As a result, those that must accept functional option are allowed to exercise their very own constrained utilization caution and drive.
Simple functional decisions, such regularly procuring writing materials and other natural resources, are designed to have an impact on a certain area or division of the company. As we can see, making such a decision will only affect the buying department.
Strategic Decisions:
It is implied that decisions involving important but one-time issues qualify as critical decisions. These decisions are made using a variety of administrative skills, wisdom, and experience. Not at all like functional choices, important decisions worry the firm's drawn-out points. When making a crucial decision, the person or group making it must carefully consider how the company association and its current situation are related. Important judgments are less secure in nature since the climate is constantly changing. Another reverence among important and practical choices is that crucial judgments are made by senior management.
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Answer: The Answer is diversity, Counsel, and Interactions.
Explanation:
This is correct, I just took the test. :)
Which method in oil and gas accounting requires the cost of unsuccessful wells be expensed in the current period?
Successful-efforts accounting is the method that requires the cost of unsuccessful wells be expensed in the current period
What is the Successful-efforts accounting ?The successful method accounting can be defined to be the type of accounting that is done which is known to allow a company to capitalize on the expenses that hey have made from being able to locate a new oil and gas reserves in a successful way.
Hence we can say that the Successful-efforts accounting is the method that requires the cost of unsuccessful wells be expensed in the current period
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As the balance in the accumulated depreciation increases, total assets because accumulated depreciation is a(n) __________ account.
As the balance in the accumulated depreciation increases, total assets because accumulated depreciation is a cumulative account.
Accumulated depreciation is that total amount upto which an asset has been depreciated up until a single point.
In each period, the depreciation expense is recorded in period in which it is added to the accumulated depreciation balance at the beginning. An asset's carrying value on the balance sheet is obtained by deducting historical cost from accumulated depreciation. At the end of an asset's useful life, carrying value of the asset on the balance sheet will match salvage value of asset.
Accumulated depreciation is shown on the balance sheet below the line of related capitalized assets. The accumulated depreciation balance keeps on increasing over time by adding the amount of depreciation expense recorded in each current period.
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How do the many people that are considered to be self-employed approach paying taxes?.
Self-employed approach paying taxes calculate their net self-employment earnings for the year.
Self-employed TaxesSelf-employed individuals, consisting freelancers, can take their taxes into account when establishing their pricing, evaluate their tax burden in scheduling their finances for the year and track their trade expenses to subtract them at the end of the year.
On average, self-employed individuals do spend higher on taxes. The on-paper tax rate is more elevated because of self-employment tax. That is a reference that is vital for anyone considering self-employment.
About 92.35% of your self-employment net profits is subject to self-employment tax. Once you have your total net earnings from self-employment that are subject to tax, involve the 15.3% tax rate to determine your total self-employment tax.
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A technician has been troubleshooting a laptop power issue, and now the speakers don't work. what should the technician do first?
A technician has been troubleshooting a laptop power issue, and now the speakers don't work. what the technician should do first is to check the speaker cabling. This is further explained below.
Who is a Technician?Generally, The laptop's speakers have stopped working as a result of work done by a technician to fix a power problem. Priority one should be given to a thorough examination of the speaker wiring by the expert.
In conclusion, a computer technician is an expert in the technical aspects of a certain field or profession. Irving Kolodin is a master craftsman and a musician of integrity who has mastered the art of music.
Engineers are more focused on finding solutions to issues, while technicians are more focused on putting into action the essential modifications that are needed to find a solution to the problem. Because engineers often have a greater degree of schooling than technicians, engineers typically have a higher starting wage.
Because of the troubleshooting that was done on the power problem of the laptop, the speakers are now inoperable. The technician's first order of business should be to inspect the speaker wiring.
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Jay's new loan to purchase a property includes the seller's existing mortgage. What type of loan is this
The type of loan that this is known to represent is what is referred to as the wraparound mortgage loan.
What is the wraparound mortgage loan?This is the type of mortgage that has to do with the fact that the borrower is financing another loan when they have not been able to finance the original mortgage itself.
This type of loan is beneficial to a person given that they would be able to get a system of loan that may not have been possible before.
Hence we have to conclude that Jays financing a property when he has an existing mortgage is what is called the wraparound mortgage loan.
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When the price of gasoline decreses, brad buys more gasoline and more of all other goods. this information describes:_____.
When the price of gasoline decreases, brad buys more gasoline and more of all other goods. this information describes the real income effect of a price decrease.
The profits impact describes how the alternate in the charge of an awesome can change the quantity that purchasers will demand of that accurate and associated item, primarily based on how the fee change impacts their real income.
the cash earned with the aid of someone, company, authorities, etc. Over a particular period of time that is calculated through thinking of the impact of inflation on what can surely be sold with that cash: In common, an individual worker is increasing his or her real income by using much less than 1% at the present time.
A boom in real incomes will reason the call for items/offerings to boom (the extent to which relies upon the marginal propensity to eat). however, as the majority of united kingdom goods are imported, growth in the call for goods will increase the demand for imports.
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If a company is using the indirect method to prepare the statement of cash flows, a decrease in the inventory account should be reported as:
If a company is using the indirect method to prepare the statement of cash flows, a decrease in the inventory account should be reported as a decrease in cash flows from operating activities.
An indirect method to prepare the statement of cash flowsThe statement of cash flows is prepared indirectly by adjusting net income for changes in balance sheet accounts in order to determine the amount of cash generated by operational activities.One of the parts of a firm's set of financial statements, the statement of cash flows, is used to show where a company gets its money from and what it does with it. It provides details on the cash generated by operations and the impact of various balance sheet modifications on a company's cash position.The indirect mode of presenting is particularly common since the data needed for it can be gathered rather quickly from the accounts that a company typically has in its chart of accounts.To learn more about the indirect method to prepare the statement of cash flows refer to:
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_________ _________ is often solved with the broker representing both sides designating a separate agent for both buyer and seller.
Dual agency is often solved with the broker representing both sides designating a separate agent for both buyer and seller.
An individual who represents both the buyer and the seller in a transaction is known as a dual agent. It's common to mix up dual agents and designated agents. Assigned agents, on the other hand, consist of two people who each represent the buyer and seller independently.
In a dual agency scenario, a single agent acts as both the buyer's agent and the seller's representative, as opposed to two independent agents. When the buyer and seller work with the same brokerage, dual agency frequently occurs.
The commissions for both agents are normally paid by the seller, thus in this case, the seller stands to directly benefit financially. However, if the seller's expenses are lower, they might be open to the idea of the buyer offering a lesser price.
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Your supervisor is considering encouraging your division to use texting to avoid voice mail overload. He is interested in how texting works and asks you to identify the drawbacks of using texting in the workplace. What drawbacks will you mention to your supervisor
The drawbacks that are valid to mention to your supervisor
Inappropriate usage of texting is possible. It's tough to find and retrieve deleted corporate text messages.This is further explained below.
What is the voice mail overload?Generally, a centralized computerized system is capable of storing messages left by callers to a telephone service.
In conclusion, The downsides that you should highlight to your manager.
It's possible to misuse texting in an inappropriate way. It's difficult to locate and restore business SMS messages that have been erased.
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Used in noncollusive oligopolistic markets, the practice of a dominant firm to signal upcoming price changes to other firms in the industry is known as:_________
Used in noncollusive oligopolistic markets, the practice of a dominant firm to signal upcoming price changes to other firms in the industry is known as price leader.
What is oligopoly market?This is a market structure, whereby few players are having advantage over others in the same industry.
Oligopoly occurs when most products or services are provided by only a few large companies or business. In other words, it is a market structure where a few large firms dominate an industry; which are airlines, oil and computers.
Here, economy in a country or all around the world is controlled by big business, and therefore small or emerging business cannot compete due to high costs and loyalty of customers to important branches or producers.
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