The time value concept that might be used to determne the month-to-month charge might be Present Value of an regular annuity.
The required details about Present Value is mentioned in below paragraph.
Present Value is the idea that states an amount of cash nowadays is really well worth extra than that equal quantity withinside the destiny. In different words, cash acquired withinside the destiny isn't really well worth as a lot as an same quantity acquired nowadays
The time value concept (TVM) is the idea that a amount of money is really well worth greater now than the equal sum may be at a destiny date because of its income potential withinside the interim. The time cost of cash is a center precept of finance. A amount of money withinside the hand has more cost than the equal sum to be paid withinside the destiny. The time cost of cash is likewise known as the existing discounted cost.
Present Value of those EMIs discounted at a 6% might be identical to the mortgage quantity taken via way of means of Paula i.e. $2,40,000 (80% of $3,00,000).
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The time value concept that would be used to determine the monthly payment of Emma is the Present Value of an ordinary annuity.
Define time value of money?A foundational idea in finance is the time value of money. The idea of the time value of money holds that the money you have now is worth more than the money you will receive in the future.
The loan taken by Emma requires monthly installments (EMI) at the end of each month.
EMI would mean annuity payments due at the end of each month.
Present values of these EMIs discounted at a 6% would be equal to the loan amount taken by Emma
That is, $2,40,000(80% of $3,00,000)
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"if you knew that candidate x cheated on her taxes, would you vote for her?" is a question typical of __________.
"If you knew that a candidate x cheated on her taxes, would you vote for her?" is a question of push polls.
A push poll is a marketing strategy used during political polls when organizations or an individual manipulate the perspective of the voters. It usually occurs in the disguise of an opinion poll.
Opinions of voters are collected by these organizations and then analyze the responses to identify the trends in the opinion of the voters. It is a type of telemarketing or gossip propaganda that could support a candidate and criticize another candidate.
It has been criticized by the American Association of Political Consultants and the American Association for Public Opinion Research.
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An increase of one on the richter scale represents ____ increase in the movement of the earth.
An increase of one on Richter scale represents 10-fold increase in movement of the earth.
What is Richter scale?Charles Francis Richter created the Richter scale, also known as the Richter magnitude scale, Richter's magnitude scale, and Gutenberg-Richter scale, and first published it in his seminal 1935 work under the name "magnitude scale." Later, the local magnitude scale, abbreviated as ML or ML, was developed and named. Most seismological authorities now publish earthquake magnitudes using other comparable scales, including the moment magnitude scale (Mw), as a result of the original ML scale's numerous flaws; yet, a large portion of the news media continues to refer to them as "Richter" magnitudes. All magnitude scales are adjusted such that their numerical values are substantially equivalent and keep the original's logarithmic nature (typically in the middle of scale).
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why is reducing air pollution a public good ? the clean up is financed by the public sector the public generally desires cleans up of air pollution members of the public who do not pay for the cleaner air can still benefit from the cleaner air. cleaner air is beneficial to the public.
The Clean Air Act of 1970 established a number of federal organisations to monitor air pollution. The organisations entrusted with managing the air pollution were attempting to reduce pollution from several sources.
The solution is because they provided incentives to businesses to reduce their pollution.According to analysts, maintaining clean air and eliminating pollution would cost close to $500 billion, but the associated benefits would be $22 trillion, or 44 times more valuable. The Environmental Protection Agency presented this report to examine the costs and advantages of the Clean Air Act from 1970 to 1990. People will be able to enjoy long, healthy lives because to the advantages of clean air. It will benefit the industries that ultimately depend on clean air, resulting in higher revenues.The Clean Air Act of 1970 (also known as the 1970 CAA) marked a significant change in the federal government’s approach to combating air pollution. With the help of this legislation, comprehensive national and state regulations to control emissions from both fixed (industrial) and mobile sources can be created.
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A curve that shows the quantity of a good or service supplied at various prices after all long-run adjustments to a price change have been completed is a long-run _______curve.
a. marginal revenue
b. production
c. industry supply
d. marginal cost
A curve that shows the quantity of a good or service supplied at various prices after all long-run adjustments to a price change have been completed is a long-run industry supply curve.
Which curve is known as the marginal cost curve as well?
The change in total cost divided by the change in energy output is the definition of the marginal cost (MC) curve.The firm's supply curve and the MC curve are identical in markets with perfect competition.
How does the long-term supply curve work?
Information regarding an industry's size as well as the nature of costs in that industry can be obtained from the long-run supply (LS) curve. Depending on how long-term costs behave when new businesses enter an industry in response to increased demand, costs in industries can be either constant, increasing, or decreasing.
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research evidence suggests that which of the following bases of power is the most effective in terms of its impact upon follower commitment, motivation, performance, satisfaction, and group effectiveness?
As per research, being reasonable has the greatest influence on followers' commitment, motivation, performance, satisfaction, and group effectiveness. Reward and legitimate power, or using one's position to influence others, lead to erratic outcomes.
What is research on power?Generally, According to research, rationality is the most successful strategy for exerting influence in terms of its effects on the commitment and motivation of followers, as well as on performance, satisfaction, and the overall effectiveness of groups.
In conclusion, Inconsistent outcomes are produced when reward and genuine power (that is, depending on one's position to influence others) are used in decision-making.
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which of the following is not a condition for perfect competition? multiple choice firms take prices as given. firms sell a standardized product. firms are protected by barriers to entry. firms have perfect information.
Option C is correct. Firms are protected by barriers to entry is not a condition for perfect competition.
Perfect competition is a market structure where there are many buyers and sellers in the open market and the prices influence supply and demand. In this competition, a large number of producers and consumers compete with one another, and the opposite of a monopolistic market involves the supremacy of one firm in one field. Firms cannot influence the market price of their products with minimal differences in features and pricing.
All firms are allowed to come and sell their product in the open market, there is no barrier to entry in perfect competition.
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seren works for alpha communications and is responsible for preparing and analyzing the company's financial statements. seren can be best described as a(n)
Seren works for alpha communications and is responsible for preparing and analyzing the company's financial statements. Seren can be best described as an Accountant.
Accountant may be defined as the person or professional working for a firm or individually who looks after the financing and accounts of the firm. All the expenses, revenue and all the business profits and accounts are managed by the accountant of the firm. An accountant is solely responsible for any ambiguity in the accounts of the firm and is the most responsible person within the firm. There are many business-related expenses, profits and shares that incur within a firm. These all are looked upon by the accountant. An individual has to give an examination in order to be legally get a degree of an Accountant and to practice accountancy. Further he/she can tie up with an organization or practice individually.
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a commitment fee is calculated based on the undisbursed loan amount and is usually paid .
Usually, the commitment fee is paid following the conclusion of the credit agreement. However, if the amount is levied on the undistributed loan, it may be collected on a periodic basis.
A cost imposed by a lender onto a borrower as compensation for the lender's promise to lend is known in the financial sector as a commitment fee. Usually, commitment costs are connected to idle lines of credit or outstanding loans.
Because it has reserved the money for the client and is therefore unable to charge interest, the lender is paid for giving access to a possible loan through a commitment fee. Typically, a commitment fee is characterized as a fixed amount or a fixed proportion of the outstanding loan amount. Lender receives payment in the form of a commitment fee for guaranteeing a credit at a date in the future or for maintaining an open credit line.
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cooper medical center was concerned about rising costs for patients who have surgery for joint replacement. it tried rewarding staff in any quarter they met targets for lower use of supplies, but costs continued to rise. an investigation showed that one source of costs was the readmission of patients who experienced infections after surgery. the human resource department proposed setting up a gainsharing program with an effectiveness measure related to reducing infections. which statement about gainsharing best supports this recommendation? group of answer choices gainsharing creates a competitive environment, so employees will try to outdo one another. the success of gainsharing requires management acceptance of employee input. with gainsharing, employees are freed to collaborate on how to improve performance. gainsharing will narrow employees' focus to the key aspects of their individual jobs and rewards. gainsharing is appropriate because the jobs in this case are simple, and so are the performance standards.'
Gainsharing is commonly used in a healthcare system. Gain sharing means that organization shares its gains like profits with employees and employees collaborate with each other to increase efficiency and effectiveness of organization.
What are the benefits of gainsharing?
A gainsharing plan not only motivates a worker to put in his best performance, but also cultivates in him a sense of pride in his achievements at the workplace. This results in indirect benefits such as lower levels of employee attrition and subsequently, lower time and money spent in training new workers.What's the difference between gainsharing and profit-sharing?
Gainsharing systems typically have a (potential) payout on a monthly basis. Profit Sharing systems typically payout (potentially) on an annual basis. Of course, the more closely we tie the rewards to the performance, the greater the motivational impact of the rewards paid out.Learn more about gainsharing plan
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ictoria's closet, a manufacturer of bohemian-style clothing and accessories, sells its products through its online website, a catalogue, and specialty boutiques that target women. which kind of channel arrangement does victoria's closet employ to distribute its products?
Distribution system with many channels. When referring to a sales and marketing distribution strategy, "multichannel" means using more than one channel or store to contact customers and boost sales.
A multichannel distribution system is what?When referring to a sales and marketing distribution strategy, "multichannel" means using more than one channel or store to contact customers and boost sales.To serve one or more consumer segments, a single organization may set up two or more sales and marketing channels. This is known as a multichannel distribution system.For businesses operating in broad, intricate marketplaces, multichannel distribution systems have many benefits. The corporation obtains possibilities to personalize its products and services to the unique needs of various consumer segments with each additional channel, increasing its sales and market reach.To learn more about Multichannel distribution systems refer to:
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what job function is least likely to be handled by union workers in unionized performing facilities?
An organization of a company's workers into a labor union, which will serve as a middleman between the workers and corporate management, is the process of creating a unionized workplace.
What is a Unionized Workplace?
An organization of a company's workers into a labor union, which will serve as a middleman between the workers and corporate management, is the process of creating a unionized workplace. The majority of workers must vote in order to authorize a union in most circumstances. The company is said to be unionized if a union is formed.
The workplace is more secure when it is unionized. Employees who belong to a union often have better job security than nonunion employees, and they frequently get richer pay and more comprehensive benefit packages. As a result, union employees might be less inclined to leave the company in order to pursue other opportunities, particularly if they would have to work in a nonunion setting. Less turnover for employers and lower costs for recruiting and training new employees result from greater stability.
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the greenwood corporation had a net decrease in cash of $10,000 for the current year. net cash used in investing activities was $52,000 and net cash used in financing activities was $38,000. what amount of cash was provided (used) in operating activities?
80000 amount of cash was provided (used) in operating activities .
What is operating activities ?
All of a company's continuing marketing efforts for its goods and services are referred to as operating activities. Non-operating activities are one-time occurrences that might have an impact on the company's regular, core business but also on revenues, costs, or cash flow.Net changes in cash = cash from operating activity + cash from interesting activity + cash from financing activity
10000 = x + 52000 + 38000
x = 80000
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Which of the following types of accounts would prevent you from withdrawing ANY money without significant fees? Checking Account Savings Account Certificates of Deposit Money Market Accounts
A certificate of deposit (CD) locks your money away from one month to five years, while it earns a fixed interest rate. It's more restricting than a traditional savings account because you can't access your money until the term is finished.
A certificates of deposit (CD) is a time deposit, a financial product commonly sold by means of banks, thrift establishments, and credit unions within the u.S.A.. CDs vary from financial savings accounts in that the CD has a specific, constant term (frequently one, 3, or six months, or one to five years) and usually, a hard and fast hobby rate. The bank expects the CD to be held until adulthood, at which period they may be withdrawn and hobby paid. Like financial savings accounts, CDs are insured "cash inside the financial institution" (in the US up to $250,000) and hence, as much as the neighborhood insured deposit restriction, honestly threat unfastened. In the US, CDs are insured by means of the Federal Deposit coverage organisation (FDIC) for banks and with the aid of the national credit Union administration (NCUA) for credit score unions.
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in order to offset interest rate increases as a result of government borrowing, the federal reserve would . a.) sell bonds to the public b.) increase the fed funds rate c.) lower the reserve requirement d.) decrease the money supply
In order to offset interest rate increases as a result of government borrowing, the federal reserve would option B: increase the fed funds rate.
When individuals discuss the Fed raising interest rates, they typically refer to the federal funds rate, also referred to as the federal funds target rate. The Fed wants to increase the cost of borrowing generally when it raises the federal funds target rate. Since higher interest rates make loans more expensive for both businesses and consumers, everyone ends up paying more in interest. This implies that option B is the correct answer.
Those who cannot or do not want to pay the higher installments delay projects that require financing. In order to receive higher interest payments, it simultaneously encourages people to save money. The amount of money in circulation is decreased as a result, which tends to reduce inflation and moderate economic activity, or "cool off" the economy.
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in a case where a client's ability to bear risk is significantly less than the client's expressed willingness to bear risk, the most appropriate action for a financial advisor is to:
In a case where a client's capacity to bear risk is significantly less than the client's expressed willingness to bear risk, the most appropriate action for a financial advisor is to (B) base the assessment of risk tolerance in the IPS on the client's ability to bear risk.
What is the risk?An organization's ability to create profits at the desired levels is threatened by hazards, which can also pose a long-term threat to the sustainability of the organization.The process of identifying, evaluating, and controlling risks to your company's financial stability is referred to as risk management.The best course of action for a financial adviser in a situation where a client's capacity to bear risk is much lower than the client's expressed desire to bear risk is to base the IPS' evaluation of risk tolerance on the client's capacity to bear risk.Therefore, in a case where a client's capacity to bear risk is significantly less than the client's expressed willingness to bear risk, the most appropriate action for a financial advisor is to (B) base the assessment of risk tolerance in the IPS on the client's ability to bear risk.
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Complete question:
In a case where a client's capacity to bear risk is significantly less than the client's expressed willingness to bear risk, the most appropriate action for a financial advisor is to:
A. counsel the client and attempt to change his attitude towards risk.
B. base the assessment of risk tolerance in the IPS on the client's ability to bear risk.
C. attempt to educate the client about investment risk and correct any misconceptions.
One way of measuring the advantage of financial leverage to the owners of the company is ________.
One way of measuring the advantage of financial leverage to the owners of the company is to examine the earnings per share (EPS) of a company before and after borrowing from debt lenders
What does EPS tell about a company?Earnings per share, or EPS, is a financial metric that informs investors about a company's profitability.To calculate EPS, take a company's net income and divide it by the number of outstanding stock shares.When making investing decisions, savvy investors analyze a company's earnings per share. A way to measure the advantage of financial leverage to owners is to examine EPS before borrowing additional funds. If a firm borrows at 6% and earns 8% on the borrowed funds, then adding debt would benefit shareholders.Earnings per share refers to the part of a company's income that is available to shareholders and is assigned to each outstanding share of common stock.EPS is calculated by dividing net income by preferred dividends by the average number of outstanding common shares.To learn more about EPS refer
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an insured is covered under a group long terrm disability policy. under this type of policy, the definition of disability based on any occupation typically applies
An insured is covered under a group long-term disability policy. under this type of policy, the definition of disability based on any occupation typically applies after two years of disability.
Disability is the experience of any situation that makes it extra tough for someone to do sure sports or have equitable access inside a given society. Disabilities can be cognitive, developmental, intellectual, mental, physical, sensory, or a combination of a couple of factors. Disabilities may be present from birth or can be received throughout someone's lifetime. Traditionally, disabilities have only been recognized based on a narrow set of standards—however, disabilities aren't binary and can be gift particular traits relying at the man or woman.[1] A disability can be simply visible, or invisible in nature.
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some countries have oil as a natural resource and capstone engineering based in iowa, is considering building a facility in one of those countries since it does not have easy access to oil near its manufacturing plant. which theory of foreign direct investment provides an explanation for this decision?
An eclectic paradigm, also known as the ownership, location, internalization (OLI) model or the OLI framework, is a three-tiered evaluation framework that businesses can use to determine whether or not they should pursue FDI.
What are Dunning's three components of his eclectic theory?
John Dunning created the eclectic paradigm in a series of publications (Dunning 1980, 1981, 1988, and 1992).The international activities of multinational enterprises (MNEs) are influenced by three factors.These are the advantages of ownership (O), location (L), and internalization (I).
How significant is eclectic theory?
The level and pattern of firms' foreign value-added activities, not the multinational corporation, are the focus of the eclectic paradigm.It contributes to the explanation of both the beginning and expansion of foreign production.
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suppose that the expected value of the interest rate for year 3 remains at 8% but that the liquidity premium for that year is also 1%. what would be the yield to maturity on three-year zeros? what would this imply about the slope of the yield curve?
Three-year zero yield to maturity is equal to 8% plus 1%, or 9%. Since investors would want a larger rate of return for bonds with longer tenors, the slope would be upward.
YTM takes into account effective yield. Efficacious Yield: An effective measure of an equity holder's return is the effective yield, which is a yearly rate of return at a periodic interest rate. Unlike the nominal yield method, the effective yield method takes compounding into account.
The expected annual rate of return on a bond, assuming the debt security is held until maturity, is represented by the Yield to Maturity (YTM). Yield to maturity (YTM) is the overall rate of return that a bond will have earned once all interest payments are made and the principal is repaid.
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acme wants to locate a warehouse to serve their major customers that are shown in the table. what is the location that will minimize the transportation costs for their family of products?
The location that will minimize the transportation costs for their family of products is Near (4,5).
Transportation costs are all the costs associated with the transportation of uncooked substances, completed products, and employees. it is the cash behind ensuring all moving elements get wherein they want to be so your clients get their products or services on time.
Transportation is an economic issue of manufacturing of products and services, implying that it's far fundamental of their era, even supposing it bills for a small proportion of input costs. because of this no matter the fee, an hobby can not take area without the transportation thing and the mobility it gives.
Majorly the factors Influencing the value of Transportation Are call for and deliver.
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if a rational behavior style customer makes intermittent eye contact, a service strategy you may want to use is to
If a rational behavior style consumer initiates fleeting eye contact, attentively listen and make eye contact as a possible customer service tactic.
Explain about the Active listening?A technique for listening to and responding to another person that improves understanding between the two people is active listening. It is essential to make this first move in order to defuse the situation and hunt for solutions to problems. In this lesson, students will discover what active listening is and why it is so important for managing conflicts.
You can prevent missing important information by paying close attention. You can learn more specific information from the conversation as a consequence of your heightened level of involvement with the speaker as a result of active listening's emphasis on hearing the complete message.
"Active listening" refers to genuinely listening, as the name suggests. That requires active listening as opposed to passively "hearing" what is being said.
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Which form of departmentalization is best if the company services both business clients and end consumers?.
An organizational structure known as departmentalization divides people into groups known as departments based on a particular set of criteria.
Each of these departments has its own leader, but they collaborate to complete tasks. It is possible for multiple departments to collaborate on large or complicated projects.
An illustration of departmentalization
In functional departmentalization, an organization is divided into departments according to the roles they play in the company. A manufacturing company, for instance, might establish departments for production, sales and marketing, accounting, and human resources.
Which five kinds of departmentalization are there?
By function, process, product, market, customer, geographic area, and sometimes matrix (also known as project organization) are the primary types of departmentalization.
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an eight-year bond paying coupons annually has a yield of 12% and a duration of 7.198 years. if the bond's yield changes by 50 basis points, what is the percentage change in the bond's price? (input the value as a positive value. do not round intermediate calculations. round your answer to 2 decimal places.)
An eight-year bond paying coupons annually has a yield of 12% and a duration of 7.198 years. if the bond's yield changes by 50 basis points, Then the percentage change in the bond's price is 3.21%.
Modified duration= Macaulay duration/(1+r)
Modified duration= 7.198/ (1+0.12)
Modified duration= 6.426796
50 basis points= 0.5%
%Change in price= -modified duration*change in yield
%Change in price= -6.426786*0.005
%Change in price= -0.0321 or-3.21%
The bonds price decreased by 3.21%
What is bond price?
The bond price is the current discounted value of future cash flows generated by the bond. It is the sum of the present value of all expected coupon payments and the present value of face value at maturity. To calculate the bond price, we simply need to discount the known future cash flows. Bond prices and yields to maturity are negatively correlated.
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an observation that stocks with above average price-to-earnings ratios have consistently underperformed those with below average price-to-earnings ratios least likely contradicts which form of market efficiency?
An observation that stocks with above average, price-to-earnings ratios have consistently underperformed those with below average, price-to-earnings ratios least likely contradicts weak form of market efficiency.
What is the weak form of market efficiency?There are three versions of the efficient market hypothesis that are varying degrees of the same basic theory. The weak form suggests today’s stock prices reflect all the data of past prices and no form of technical analysis can be utilized effectively to aid investors in making trading decisions.
Advocates for the weak form believe that undervalued and overvalued stocks can be determined if the fundamental analysis is used, and companies' financial statements can be researched by investors to increase their chances of making higher-than-market-average profits.
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stefan is going in for a job interview and realizes he needs to whiten his teeth. he goes to the store and picks out a brand of whitening strips he remembers from an advertisement on television. his level of brand loyalty could be described as .
Sandy is going in for a job interview and realizes he needs to whiten his teeth. His level of brand loyalty could be described as-----recognition.
How would you describe your brand awareness?
Brand awareness is the degree to which a consumer can correctly identify a particular product or service simply by looking at the product or service's logo, slogan, packaging, or advertising campaign. Brand awareness can also be triggered by audio cues such as: A jingle or theme song associated with the brand.
What is good brand awareness?
Brand awareness is a concept used in advertising and marketing. It is considered successful when people can recognize a brand based on visual or auditory cues such as logos, slogans, packaging, colors, or jingles.
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a firm has a debt-to-equity ratio of .5. its cost of equity is 22%, and its cost of debt is 16%. if the corporate tax rate is .40, what would its cost of equity be if the debt-to-equity ratio were 0?
Its cost of equity would be 20.62% if the debt-to-equity ratio were 0.
What is Cost of equity?The return needed by either a business or an individual to justify an investment in equity is known as the cost of equity. Either the CAPM or the dividend capitalization model is used to calculate the cost of equity. The return a company theoretically gives to its equity investors, or shareholders, to make up for the risk they assume by investing their money, is known in finance as the cost of equity. For a business to function and expand, it needs funding from other sources. The equation is CoE = (next year's dividends per share / current stock market value) + dividend growth rate.
Hence, Its cost of equity would be 20.62% if the debt-to-equity ratio were 0.
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__________ theory assumes that people are motivated to work toward a goal when they want to achieve the outcome and also think they have the ability and means to achieve it.
Answer:
Extrinsic motivation
Explanation :
What is extrinsic motivation?
Extrinsic motivation is when they are drived by something like a award. Example: Mya has a test due today, If she finishes it she could go out to see her friends.
analysis of the statement of cash flows involves assessment of operating, financing and investing cash flows and analysis of the resulting net income. group startstrue or false
Analysis of the statement of cash flows involves assessment of operating, financing and investing cash flows and analysis of the resulting net income is group structure.
What exactly does a cash flow analysis cover?
A cash flow analysis can be used to evaluate a company's working capital, or the amount of money available to conduct transactions and manage business activities. That is determined by subtracting current obligations from current assets (cash or near-cash assets, such as notes receivable) (liabilities due during the upcoming accounting period). The statement of cash flows is used to show the reader of the report the cash inflows and outflows during a reporting period. Operating, investing, and financing operations are other categories used to categorize these inflows and outflows.
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when the percent change in price is than the percent change in quantity demanded, demand is . please choose the correct answer from the following choices, and then select the submit answer button. answer choices smaller; inelastic smaller; either elastic or inelastic larger; elastic smaller; elastic
When the percent change in price is smaller than the percent change in quantity demanded, demand is inelastic smaller. Hence, option A 'smaller; inelastic smaller' is the correct choice.
When demand stays constant regardless of changes in price, it is called inelasticity. Demand inelasticity is evident when demand for a product or service is static when changes in its price or other factors occur.
Inelastic products or services are usually necessities without any acceptable substitutes. The most common products with inelastic demand are prescription drugs, utilities, and tobacco products. Businesses that offer such products keep greater flexibility with prices because demand stays constant even if prices increase or decrease.
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the three main types of facility layouts are: group of answer choices product, process, and fixed-position process, product, and service intermittent, process, and customized fixed-position, variable, and product product, service, and process
Product, process, and fixed-position process are the three main types of facility layouts.
What do you mean by facilities layout?Simply said, facility layout refers to how a facility is set up to maximize procedures that are both effective and efficient in achieving the ultimate organizational purpose. Process, product, and fixed position layouts are the three basic categories.
Workflow is organized around the production process in the process layout. All employees completing comparable duties are gathered in one group. In order to meet the demands of employees and maximize the efficacy of the manufacturing process, facility layout and design are crucial elements of a company's overall operations.
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