The least solvent type of account is the certificate of deposit (CD). A certificate of deposit is an account in which an account holder deposits a lump sum payment which can then be drawn down after a set amount of time.
A certificate of deposit (CD) is a type of savings account that pays interest on a lump sum for a set period of time. CDs vary from savings accounts in that the money must be kept untouched for the duration of the term to avoid penalties and fines or lost interest. As a reward for lost liquidity, CDs typically offer higher rates of interest than savings accounts.
Almost all customer banks offer CDs, though each bank decides which terms to offer, how much greater the rate is compared to the bank's savings and money marketing, and what penalties apply for early withdrawal.
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Suppose you buy a share of stock at a price of $100 and a year later it is worth $125. Suppose further that the rate of inflation for the year is 10%. If you are subject to a 15% capital gains tax, how much would your tax burden be if you had to pay capital gains tax only on the real return on your stock
The total tax burden will be $3.75.
What is a stock?Stock (sometimes known as capital stock) in finance refers to the shares of ownership in a corporation or company. The term "stocks" is sometimes used to refer to shares, particularly in American English.A single share of stock represents fractional ownership of the firm based on the total number of shares. This typically entitles the shareholder (stockholder) to that fraction of the company's earnings, proceeds from asset liquidation (after discharge of all senior claims such as secured and unsecured debt), or voting power, which are often divided in proportion to the amount of money invested by each stockholder.To find the total tax burden:The current value of stock = $100
After one year, the value of stock = $125
To find the profit gain after one year, $125 - $100 = $25.
This $25 will be considered as capital gain over stock.
Rate of tax over capital gain = 15%
Total tax burden = capital gain×rate of tax on capital gain
= $25×15%
= $3.75
Therefore, the total tax burden will be $3.75.
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List the six steps in the new product development process, starting with the first step at the top and ending with the last.
A structured six-step method for coming up with, choosing, developing. and commercializing product ideas.
Idea generation (Ideation)Product definition.Prototyping.Initial design.Validation and testing.Commercialization.Product development is a challenging yet interesting process. There is never a repeat process for a product introduction, from the first idea to the research and development. To assist you get started with the product development process, there is a common procedure.
The six steps that must be completed for a product to get from initial concept to final market launch are outlined in the product development process. Finding a market need, studying the competition, coming up with ideas for a solution, creating a product roadmap, and creating a minimal viable product are all part of this (MVP).
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The roles and responsibilities of hrm professionals have evolved primarily because?
Human resource management tasks and responsibilities have developed largely as a result of two important factors: (1) firms' identification of workers as their ultimate resource and (2) changes in legislation that overturned many conventional practices.
Human resource management is mostly the practice of recruiting, hiring, the deployment, and managing personnel in a business. HRM is frequently abbreviated as "human resources" (HR).
HRM has changed dramatically over the previous two decades, making it an even more vital position in today's enterprises. HRM used to involve processing payroll, sending birthday presents to staff, organizing corporate trips, and ensuring forms were completely filled out, in other words, more of an administrative duty than a strategic position critical to the organization's success.
Therefore, human resource management duties and responsibilities have primarily evolved as a result of two key factors: (1) enterprises' identification of workers as their ultimate resource and (2) legislative developments that have reversed many traditional practices.
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A manufacturer that only allows a consumer to purchase one product if they also buy another product is using ____________ to increase its profits.
Tie-in-sale is used to increase the profit by a manufacturer by allowing a consumer to purchase one product if they also buy another product.
What is Tie-in-sale?A tie-in-sale results from a contract between a producer and a consumer that states that the customer can only get the desired good (the tying good) if he also agrees to buy another good (the tied good) from the producer.
The sale of a product to a buyer with the explicit requirement that a second product be purchased as well.
The second item could not be desired by the consumer or she might be able to find it cheaper elsewhere. Tie-in-sale that impede competition are prohibited.
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Because services are intangible and there may be few other available cues for the customer to judge, they frequently use ____ as an important indicator of a service's quality.
Because services are intangible and there may be few other available cues for customer to judge, they frequently use inseparability as an important indicator of service's quality. In contrast to products, which we can physically touch or handle, services are the non-physical, intangible components of our economy.
Majority of economies of the wealthy countries based on services like banking, education, healthcare etc. They also make up the majority of developing nations' economies. The help given to customer to make their interactions with you easy and enjoyable, before and after they use your products or services, is known as customer service.
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Microsoft measures customers' willingness to not only return for another purchase but also make a recommendation to family, friends, or colleagues. Microsoft has found this to be a powerful technique, which can greatly increase revenue. The main advantages for Microsoft are a close correlation with company growth and the collection, interpretation, and communication of the data. This is an example of the _______.
The main advantages for Microsoft are a close correlation with company growth and the collection, interpretation, and communication of the data. This is an example of the net promoter score.
What is net promoter score?
Net promoter score can be defined as a form of marketing research technique or strategy that enables companies to know whether their customers will likely recommend their product to others.
Most companies make use of net promoter score so as to generate revenue or to increase sales.
Therefore the main advantages for Microsoft are a close correlation with company growth and the collection, interpretation, and communication of the data. This is an example of the net promoter score.
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What steps can you use to protect a form so users can only enter information in the fields without changing other
information?
1. Click the
2. Click
3. In the Re Review
in the doc
4. On the EView
5. Click Yes
Insert
Developer
tab on the ribbon.
pane, under Editing restrictions, add a check mark next to Allow only this type of editing
ons drop-down menu, click
ing Protection, and create a
Steps to protect a form so users can only enter information without changing other information are,
1. Click the Developer tab on the ribbon
2. Click Restrict Editing.
3. In the Restrict Editing pane, under Editing restrictions, add a check mark next to Allow only this type of editing in the document.
4. On the Editing restrictions drop-down menu, click Filing in Form.
5. Click Yes, Start Enforcing Protection, and create a template Password.
What steps can use to protect a form so users can only enter information without changing other information?1. Click the Developer tab on the ribbon
2. Click Restrict Editing.
3. In the Restrict Editing pane, under Editing restrictions, add a check mark next to Allow only this type of editing in the document.
4. On the Editing restrictions drop-down menu, click Filing in Form.
5. Click Yes, Start Enforcing Protection, and create a template Password.
The Developer tab exists as a feature comprised in Microsoft Excel, and it is usually hidden by default. The tab permits users to form VBA applications, design forms, complete macros, import and export XML data, etc.Restrict Editing locks specific sequences or sentences in the document, which could be important or susceptible, and thus, cannot be edited by anyone.In the Restrict Editing pane, In the Restrict Editing pane, uncheck Limit arrangement to a preference of styles and Permit only this type of editing in the document. Limit arrangement to a preference of styles and Permit only this type of editing in the document.To learn more about Steps to protect a information refer to:
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Answer:
Click the
✔ Developer
tab on the ribbon.
Click
✔ Restrict Editing
.
In the Restrict Editing pane, under Editing restrictions, add a check mark next to Allow only this type of editing in the document.
On the Editing restrictions drop-down menu, click
✔ Filling in Form
.
Click Yes, Start Enforcing Protection, and create a
✔ password
.
Explanation:
In recent years, the component of imc that has received the greatest increase in aggregate spending is.
In recent years, the component of IMC that has received the greatest increase in aggregate spending is Direct Marketing.
What is Direct Marketing?
The act of presenting an offer directly to a target client and providing them with a way to respond immediately is known as direct marketing. It is sometimes referred to as direct response marketing among practitioners. Advertising, in contrast, is a form of mass messaging.
A crucial component of direct marketing is the call to action. A link in a social media or email campaign is clicked, a toll-free phone number should be called, a reply card should be sent, or the message recipient should promptly react. Any answer is a promising sign of a potential buyer. Direct response marketing is another name for this type of direct marketing.
Therefore, in recent years, the component of IMC that has received the greatest increase in aggregate spending is Direct Marketing.
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This video describes how software products often interject pop-up warnings to help you make mindful decisions with your work. Which of the following attributes of experience design does this example best illustrate
The attribute of experience design which the given example illustrates is of friction and flow - sequence and structure.
What is designing?It is the procedure of conceptualizing and organizing the production of things, interactive systems, structures, vehicles, etc. Users are at the center of the design thinking process, making it user-centered. It involves developing solutions to meet needs or solve problems for individuals, tangible objects, or more abstract systems.What is Experience design?An approach called experience design can be used to design any experience, from creating inventive new goods to creating marketing messages or even workplace policies that improve employee encounters.The process of ideation, testing, and iteration to improve the experience begins with a thorough understanding of the individual or persons you are building an experience for. This serves as the "ground zero" for all decisions made.In interface design, friction and flow are two ideas that help users complete tasks by either preventing errors or encouraging them to do so. It's crucial for designers to use both as needed throughout the user journey.
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Regarding the measurement of capacity, when a firm provides a relatively small range of standardized products and services:
When a firm provides a relatively small range of standardized products and services output measures are applied. Productivity is the amount of output a business can produce with a specific quantity of input. For continuous profitability, it is crucial to consider labor productivity, or how productive a company's employees are.
There are several ways to measure the productivity, with modern techniques focusing on software tracking and monitoring. Benchmarks and goals for productivity vary per sector. Natural resources, capital, and labor hours are frequent inputs, whereas sales or the quantity of goods and services produced are typically used to measure output.
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Cory gives his friend money to buy a cheeseburger since he forgot his wallet at home, but expects to be repaid. This represents the financial service of:
The inference is that the financial service represented is lending.
What is financial service?It should be noted that an financial services is the economic services that are provided by an industry.
Here, Cory gives his friend money to buy a cheeseburger since he forgot his wallet at home, but expects to be repaid.
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Compliance is the responsibility of the Compliance Officer, Compliance Committee, and Upper Management only.
Compliance is not the sole responsibility of compliance officer or the upper management or the compliance committee. Compliance is the responsibility of all individuals of the company.
What is Compliance?Compliance is the act of ensuring that all the protocols mentioned in the policy are followed effectively, all the controls are in process and in working condition with complete effectiveness.
It is the duty of all the individuals to comply with the policies and ensure that the procedures are performed as per the standard operating guidelines. The compliance is not only the duty for the compliance individuals.
It is duty for all the individuals however those charged with governance are more likely to take actions against any procedure failure, but if there is any mishap and if there is a miss in the procedures being not correctly performed, it should be reported.
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A business cycle is best defined as economic fluctuations around trend growth.
a. True b. False
A business cycle is best defined as economic fluctuations around trend growth. This statement is true.
Business cycles are a sort of variation that may be found in the overall economic activity of a country.
A business cycle is made up of expansions that occur roughly at the same time in many different economic activities, followed by contractions that are similarly widespread (recessions).
This series of modifications is periodic but not recurrent.
Business cycles are made up of coordinated cyclical upswings and downswings in output, employment, income, and sales, which are four broad indices of economic activity.
In the business cycle, expansions and contractions alternate (also called recessions).
Recessions frequently begin at the business cycle's high, when an expansion comes to an end, and finish at its trough, when the following expansion starts.
Hence, the statement "A business cycle is best defined as economic fluctuations around trend growth." is true.
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A business cycle is best defined as economic fluctuations around trend growth: True .
Reason: A business cycle is ups and downs of output around its trend.
A business cycle is a cycle of fluctuations in the Gross Domestic Product (GDP) around its long-term natural growth rate. Business cycles chart the ups and downs of an economy, and understanding them can lead to better financial decisions.
The four stages of the business cycle are expansion, peak, contraction, and trough. Factors such as GDP, interest rates, total employment, and consumer spending, can help determine the current stage of the economic cycle.
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Describe the strategic management process and list the four components of he strategic management process
The strategic management process means illustrating the company's strategy which involves planning, setting and direction of goals in order to achieve goals within a given period of time to make a company more competitive.
The four components of the strategic management process:-
Collecting Information - It involves gathering of information of internal and external factors that can influence a company.Strategy Formulation - This step involves what action should be taken to achieve goals.Strategy Implementation - In this the actions which have decided are executed swiftly for achieving goals.Strategy Evaluation - After implementation of strategy, it should be monitor and corrective actions should be taken if there are issues.Read more about Strategy Evaluation on brainly:-
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In which form of price determination does the real estate professional often just drive by the property and take photos, then complete paperwork for the lender?
In broker's price opinion, the real estate professional often just drive price determination by the property and take photos, then complete paperwork for the lender. A broker price opinion, or BPO, is a real estate professional's assessment of the worth of a property.
Internal and external broker's price opinion's are two basic categories. A broker will spend time inside home during an interior BPO to assess property's condition, take measurements, and take pictures. A broker may only be able to evaluate the outside of the property with an external BPO, also known as a drive-by BPO, before assigning it a sticker price.
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Describe a presentation or a briefing you have conducted recently. how did you adapt it to your public? how did your auditors react? what did you get out of it?
Recently I conducted a presentation to an audience composed mostly of teenager about the importance of team work. It took place at the American Corner of the State Library. It comprised of about 50 teenagers from various states.
How did you adapt it to your public?Because they were teenagers, I adapted by using words that were more suited to their generation.
Also given that it was a pseudo (or semi) formal presentation, I was free to use words such as;
Do.pe - cool or awesomeGucci - Good, cool, or going well.Lit - amazing.I also ensured that my presentation comprised of a lot of pictures, and graphics.
How did your auditors react? what did you get out of it?The auditors were well informed about what I was doing so they welcomed it a a good idea.
The objective was to be able to communicate to them in a way that showed that the presenter understood them.
This helped the presenter to connect as well as communicate effectively.
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The tool that lists ages, names, education, capabilities, training, specialized skills, and other relevant information about an organization's employees is called a?
The tool that lists ages, names, education, capabilities, training, specialized skills, and other relevant information about an organization's employees is called a Human resource inventory.
Human Resource Inventory is also known as the skills inventory which comprehensively lists down the basic information on all the employees working in an organization or a company.
This inventory has information on education, skills, experience, age, salary-related data, job preference, and special achievements of employees.
The information contained in the human resource inventory should also be used by recruiters to consider the individual for other job openings that might come up in the future.
Hence, the human resource inventory contains information of working employees.
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A profit-maximizing firm in the short run will expand output Multiple Choice until total revenue equals total cost. as long as marginal revenue is greater than marginal cost. until marginal cost begins to rise. as long as marginal revenue is less than marginal cost.
Price and short-term quantity that maximizes profit, as long as marginal revenue is less than marginal cost.
In economics, profit maximization is a short-term or long-term process that allows a company to determine the levels of prices, inputs, and outputs that make the most profit. Today, the mainstream approach to microeconomics, neoclassical economics, typically models businesses as profit maximization.
The marginal cost of production includes all costs that vary depending on the production level. For example, if a company needs to build an entirely new factory to produce more goods, the cost of building the factory is marginal revenue.
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How does the complexity of public policy problems contribute to bureaucratic independence?
Due to the intricacy of public policy issues and the fact that agencies are experts in these matters, Congress and the president rely on their counsel and information when making decisions. As a result, in a sense, the bureaucracy can write its own ticket.
The federal government has extensive authority over both persons and corporations in the United States. Some criticize this, arguing that since bureaucrats are not elected, they shouldn't have such extensive control over Americans' daily lives. The bureaucracy also has a say in how the majority of tax money is used.
Making rules and enforcing rules are the bureaucracy's two main functions. Despite the fact that the Congress creates legislation, these laws lack detailed instructions on how to be implemented.
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Assume the nominal rate was 11.50% and the inflation rate was 3%. Using the Fisher Effect, what was the real rate
The real rate was 8.25%.
Real rate = 8.25%
Dear Student
Thank you for using Chegg
Please find below the answer
Statement showing Computations
Particulars
Fisher formula is (1 + nominal rate) = (1 + real rate) x (1 + inflation rate),
(1+.115) = (1 + realrate) *(1+.03)
(1.115) = (1 + realrate) *(1.03)
1.0825 = 1 + real rate
Real rate = 8.25%.
The nominal interest rate (or interest rate) is the rate of increase in money you pay lenders using borrowed money. Nominal interest rates are often used by banks to represent interest rates on various loans and investments. For example, if your loan has a nominal interest rate of 5%, you can expect to pay $50 in interest for every $1,000 you borrow. At the end of the year he will pay $1,050.
The real interest rate is the interest rate that takes inflation into account. This means it is adjusted for inflation and reflects the real interest rate of a bond or loan. Simply put, this rate reflects the rate of return after taking inflation into account.
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Why do you think organizations tend to focus on the creation of one type of value but not both?
Organizations tend to focus on the creation of one type of value but not both because organizations do believe that the social value created by any organization has equal importance as their economic value. Due to this organizations believe that the creation of any value either the social value or economic value is enough.
Social value means the enhancement of the people and their lives by the combination of different resources.
Economic value means the creation of money or value in any economy by the organization.
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Column A
1. Know, Plan, Read,
Save
2. comparison shop-
ping
3. U.S. Department of
Agriculture
4. Prime
5. unit pricing
6. prescription drug
7. brand name
8. generic name
9. impulse buying
10. U.S. Food and Drug
Administration
Column B
a. the government agency that sets food
standards
b. the highest-quality meat grade
c. purchasing goods without advance
planning
d. the government agency that tests and
approves drugs
e. wise buying practices to get the most for
our money
f.
checking prices for the same products at
two or more stores
g. the chemical name of a drug
h. stating a product's price by its weight or
volume
i.
j.
a drug dispensed only on a doctor's orders
the name given to a product by its
manufacturer
Answer:
Note that point i in Column B does not have an entry.
Explanation:
See attachment
Knowledge of the __________ act minimizes a business' liability exposure when making advertising decisions.
Knowledge of the Civil Rights act minimizes a business' liability exposure when making advertising decisions.
This is further explained below.
What are Civil Rights?Generally, the rights of people to be free politically and socially and to be treated equally.
The right to vote, the right to an impartial trial, the right to use government services, the right to public education, and the right to make use of public facilities are all examples of civil rights.
In conclusion, Knowledge of the Civil Rights act decreases a firm' legal risk when making advertising selections.
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CQ
Knowledge of the __________ Act minimizes a business' liability exposure when making advertising decisions.
a.) Civil Rights
b.) Sarbanes-Oxley
c.) Federal Trade Commission
d.) Truth in Lending
A modern entrepreneurship methodology that characterizes customer interactions across all touch points they have with a particular solution or brand is called.
It is called a Customer Journey.
What is a Customer Journey?Consider the customer journey as a blueprint that shows how a consumer learns about your business, interacts with it, and more. The customer journey is defined as follows:
The total of all the interactions that consumers have with your business and brand is known as the customer journey. The customer journey captures the entire experience of being a customer, as opposed to focusing on a single transaction or event.
Example of customer Journey:
While shopping in the city, your potential consumer notices your storefront and signs (ping). She enters and observes how your shop is set up (ping). Your employee welcomes her and offers to assist her (ping) (ping). She receives assistance from a competent and courteous salesperson in choosing a stylish pair of high-quality shoes (ping).
Your new consumer is reassured that she may return the shoes with no questions asked if she changes her mind about making the purchase (ping). in addition to obtaining her email address for any future marketing (ping). Later that day, a client tweets a photo of her new shoes along with a mention of your business (ping). She is so devoted to you that she even praises your shop on Yelp.com (ping).
A few weeks later, you send her a marketing email (ping) with a discount (ping) and a reminder of your company's name and principles (ping).
This is one example. And, regrettably, if you're not paying attention or making an effort to grasp the thinking of the client, you can be undervaluing your brand. If a consumer has a bad experience when shopping at your business (couldn't find the merchandise, staff was impolite, etc.), it matters and affects how she will perceive your brand overall.
Therefore, A modern entrepreneurship methodology that characterizes customer interactions across all touch points they have with a particular solution or brand is called Customer Journey.
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Valley Technology had Net Income for 2021 of $9,600,000. The firm invested $5,000,000 in manufacturing equipment during 2020 but made no additional capital investments in 2021. The equipment is being depreciated over five years using straight-line depreciation, starting in 2020. Assuming no other adjustments to cash flow than those mentioned here, create a statement of cash flows for 2021 with amounts in thousands. What is the Net Cash Flow in 2021
If Valley Technology had Net Income for 2021 of $9,600,000. The Net Cash Flow in 2021 is:$5,600,000.
Net cash flowCash Flow from Operating ActivitiesValley Technology Statement of Cash Flows For the year ended 2021
Cash Flow from Operating Activities:
Net Income $9,600,000
Add Depreciation Expense $1,000,000
($5,000,000/5)
Net Cash provided (used) by operating activities: $10,600,000
Cash Flow from Investing Activities:
Purchase of manufacturing equipment -$5,000,000
Net Cash provided (used) in Investing activities -$5,000,000
Cash Flow from Financing Activities:$0
Net cash flow in 2021 $5,600,000
Therefore If Valley Technology had Net Income for 2021 of $9,600,000. The Net Cash Flow in 2021 is:$5,600,000
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Suppose the firm is producing 150 units of output and its fixed cost is $975. Then its average variable cost amounts to?
its average variable cost amounts to
(i)Marginal revenue equals $5.(ii)Average revenue equals $5.(iii)Price equals $5.This is further explained below.What is Marginal revenue?Generally, The increase in income that comes about as a direct consequence of selling one more unit of production is referred to as the marginal revenue (MR). Even while marginal income may continue to grow at the same rate beyond a certain level of production, according to the law of diminishing returns, that growth will ultimately come to a halt as the amount of output continues to rise.
In conclusion, Suppose the company has a constant cost of $975 and produces 150 units of product. Its marginal income is $5, and its average variable cost is I The average revenue is $5. (ii) Price = $5 (iii).
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________ are the most important monetary policy tool because they are the primary determinant of changes in the ______, the main source of fluctuations in the money supply.
Open market operations are the most important monetary policy tool because they are the primary determinant of changes in the monetary base, the main source of fluctuations in the money supply. Open market operations are the purchase and sale of securities in the open market by a central bank--are a key tool used by the Federal Reserve in the implementation of monetary policy.
What is a monetary base?In economics, the monetary base in a country is the total amount of money created by the central bank. This includes: the total currency circulating in the public, plus the currency that is physically held in the vaults of commercial banks, plus the commercial banks' reserves held in the central bank.
Therefore, the correct answer is as given above
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Cheyenne Corporation produces high-performance rotors. It expects to produce 69,000 rotors in the coming year. It has invested $11,040,000 to produce rotors. The company has a required return on investment of 20%. What is its ROI per unit
Answer: $32
Explanation:
Answer: It is $32.
Explanation:
A ______ typically provides information so that an organization can make a decision about a product, procedure, or policy.
A proposal typically provides information so that an organization can make a decision about a product, procedure, or policy.
A project proposal is that written document which outlines everything that the stakeholders must know about a project, which includes its timeline, objectives, budget and goals. Project proposal summarizes the project details and sell idea of project so that stakeholders feel inclined to get involved in the initiative.
The project proposal works as the working document between the agency and the client before the starting of the project. Thus, the project proposal defines the objectives and the requirements of a project for the third party. For the internal party, it is that method which analyzes the feasibility and profitability of the project.
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Marketing dashboards display information in numerical formats and offer subjective feedback about initiatives and results.
false, Marketing dashboards do not display information in numerical formats and offer subjective feedback about initiatives and results.
A marketing dashboard is a visual representation of the data that is most crucial for monitoring important marketing KPIs and achieving one or more marketing goals. Top level marketing reports are compiled and organised on one page so that the data can be viewed quickly.
It also serves as the building block on top of which more intricate marketing analytics are performed. The amount of data that marketers may now evaluate has multiplied as a result of the growing ubiquity of digital media. Sorting out valuable figures from useless ones and excellent data from bad data is more crucial than ever.
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