Commercial banks and non-banks can be compared in terms of their assets to GDP. Commercial banks are financial institutions that provide services such as accepting deposits, making loans, and managing investments.
Non-banks, on the other hand, are companies that offer financial services but do not have a banking license.The assets of commercial banks to GDP are larger than those of non-banks to GDP. Commercial banks' assets are typically equal to or greater than the GDP of a country, indicating that the banking industry plays a significant role in the economy of a country. Non-banks have significantly smaller assets to GDP ratios. However, non-banks are important as they offer a wide range of services to consumers and businesses. Non-banks, such as investment companies, provide financial services that are critical to the development of the economy and help to complement the services offered by commercial banks. Therefore, while commercial banks have larger assets to GDP ratios than non-banks, both play an essential role in the financial sector of a country.
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How many days does the pay stub cover?
Answer:
Pay stubs are usually an extent of 30 days which is a month.
company a is experiencing an increase in demand for its products. in the short run, its supply curve is
Company a is experiencing an increase in demand for its products. In the short run, its supply curve is shifting rightward.
The supply curve depicts the relationship between the cost of a commodity or service with the quantity supplied over a specific time period. A typical instance will show the price on the left vertical axis and the quantity supplied on the horizontal axis.
The supply curve are going higher from left to right, expressing the supply law: When the price of a commodity rises, so does the quantity supplied (everything else being equal). The supply and demand curves are essential elements of the law of demand and supply.
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calculate gross profit margins step by step based on this info:
I want to print 70 decks of playing cards. on average wholesale printing would be $1,987.95. I want to sell these decks for $70 each. what is the gross profit margin
Based on the information, the gross profit margin for printing and selling 70 decks of playing cards is -2745.92%. This negative value suggests that the cost of goods sold exceeds the revenue, resulting in a loss rather than a profit.
To calculate the gross profit margin, we need to subtract the cost of goods sold (COGS) from the revenue and then divide the result by the revenue. In this case, the COGS is the average wholesale printing cost per deck.
Step 1: Calculate the total cost of goods sold (COGS):
COGS = Average wholesale printing cost per deck * Number of decks
= $1,987.95 * 70
= $139,256.50
Step 2: Calculate the total revenue:
Revenue = Selling price per deck * Number of decks
= $70 * 70
= $4,900
Step 3: Calculate the gross profit:
Gross profit = Revenue - COGS
= $4,900 - $139,256.50
= -$134,356.50
The negative value indicates a loss rather than a profit.
Step 4: Calculate the gross profit margin:
Gross profit margin = (Gross profit / Revenue) * 100
= (-$134,356.50 / $4,900) * 100
= -2745.92%
The calculated gross profit margin is -2745.92%. However, it's important to note that a negative gross profit margin indicates a loss rather than a profit.
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Mining Companies have a major role to play in facilitating and promoting the culture of equality and therefore eliminating Gender based violence from the workplace and communities that host/ border mining project developments. a) What are some of the reasons that you believe gender based violence has become so prevalent on mining sites and in surrounding communities. (5 marks) b) During the screening phase of an EIA project in Guyana concerns were raised by villagers in the area about "Increased incidences of sexual exploitation of indigenous women and young girls by people who have come into the communities to work for the company."
Gender-based violence has become prevalent on mining sites and in surrounding communities due to a combination of factors such as male-dominated work environments, social and economic inequalities, lack of awareness and education, limited access to support services, and a culture of impunity.
Gender-based violence on mining sites and in surrounding communities can be attributed to several reasons. Firstly, the mining industry is historically male-dominated, with a significant gender imbalance in the workforce. This power dynamic can perpetuate harmful attitudes and behaviors towards women, leading to increased incidents of violence.
Secondly, mining projects often bring rapid social and economic changes to communities, resulting in unequal power dynamics and social tensions. These changes can disrupt traditional gender roles and exacerbate existing gender inequalities, making women and girls more vulnerable to violence.
Thirdly, the lack of awareness and education about gender issues and violence prevention contributes to the prevalence of gender-based violence. Limited knowledge about consent, healthy relationships, and gender equality can perpetuate harmful norms and behaviors.
Furthermore, the remote locations of many mining sites can limit access to support services and justice systems. This lack of resources and infrastructure can prevent survivors from seeking help and perpetrators from being held accountable, perpetuating a culture of impunity.
Lastly, the overall culture and norms within the mining industry and surrounding communities play a significant role. If there is a lack of commitment from mining companies to prioritize gender equality, enforce policies against violence, and promote a safe and inclusive work environment, it can contribute to the prevalence of gender-based violence.
In conclusion, gender-based violence on mining sites and in surrounding communities is a complex issue influenced by multiple factors. Addressing this problem requires a comprehensive approach that involves creating gender-inclusive work environments, promoting education and awareness, strengthening support services, and holding perpetrators accountable. By actively working towards equality and addressing the root causes of violence, mining companies can play a crucial role in eliminating gender-based violence from their workplaces and the communities they operate in.
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When you put a check you received in the bank, you have immediate access to the money.
True or False.
Answer:
this is true hope this helps
Explanation:
describe the process of career planning
Answer:
The career planning process involves taking the time to decide what your career goals are and how you'll get there. You might engage in this process on your own or with a guidance or career counselor. You can also start the career planning process at any point in your career.
Explanation:
Answer:
aalu jasto answer dinxa
NEWS ARTICLE REVIEWS not more than 14
Days OLD, SALES ARTICLES, BUSINESS
MANAGEMENT ARTICLES, MARKETING
ARTICLES, ETC. the NEWS ARTICLE must
come from a Business Publication, Wall Street
Journal. New York Times, Fortune Magazine,
etc. Submit as a Pdf. Submit Summary of News
Article with Attachment for Orginal News
Article or Link.
Composing a news article review entails giving an article a critical analysis and expressing your perspective on it.
Here are some guidelines for writing a review of a news piece.Thoroughly read the newsIdentify the key pointsEvaluate the articleExpress your opinionConcludeHence, it can be seen that it takes thorough reading, critical thought, and the capacity to articulate your opinions succinctly to write a news article review. These methods will help you write a thorough review that offers insightful commentary on the news piece.
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ford motor co. has separate work units for individual car owners, for businesses, and for agriculture. ford’s organizational structure is based upon
Ford motor co. has separate work units for individual car owners, businesses, and agriculture. ford’s organizational structure is based upon customer divisions.
Customer divisions simply refer to when activities are grouped based on the customers or clients. In this case, there are different work units for the customers.
The reason for this is to enhance customer relationships and ensure that customers are attended to. It also helps to improve the revenue of the company since there are happier customers.
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True or False: The ending balance in your checkbook ledger is different from the bank statement when you have written checks that haven't yet been cashed.
Answer:
true
Explanation:
hope this helps!
Which one of the following statements represents a strategic initiative?
Advertising a special two-week promotion
Curtailing vacation time for a 3-month period
Sending a sales rep to a trade show
O Setting up a fund for continuing education for employees
Answer:
Advertising a special two-week promotion
Explanation:
Advertising a special two-week promotion is a strategic initiative, and it is more specifically, an expansive strategic initiative that aims at product development, or market development, or market penetration, all of which are corporate strategies whose ultimate goal is corporate growth.
Without buying points, a monthly mortgage payment will be $958. Buying 1 point at closing would reduce the payment to $948. 75. If each point costs $1000. 00, rounded to the nearest year, how long would it take to break even by buying 1 point? a. 7 years b. 8 years c. 9 years d. 10 years Please select the best answer from the choices provided A B C D.
The time taken to break even at buying 1 point will be in 9 years.
Given,
Monthly mortgage payment =$958Monthly payment will be reduced to buy 1 point =$948.75Cost of each point =$1,000Computation:
1. The computation of the reduced amount in the monthly mortgage payment:
\(\begin{aligned}\text{Reduced Amount}&=\text{Original Payment}-\text{Reduced Payment}\\&=\$958-\$948.75\\&=\$9.25\end{aligned}\)
2. The computation of yearly mortgage payment:
\(\begin{aligned}\text{Yearly Mortgage Payment}&=\text{Reduced Amount}\times\text{Total Months in a Year}\\&=\$9.25\times12\\&=\$111\end{aligned}\)
3. The computation of the number of years for the break-even by buying 1 point:
\(\begin{aligned}\text{Number of Years}&=\dfrac{\text{Cost of Point}}{\text{Amount og Yearly Mortgage Payment}}\\&=\dfrac{\$1,000}{\$111}\\&=9.00\;\text{Years}\end{aligned}\)
Therefore, to break even by buying 1 point the holder requires 9 years to reach.
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8300 dollars is placed in an account with an annual interest rate of 6. 5%. How much will be in the account after 14 years, to the nearest cent?.
The amount in the bank after the period of 14 years at 6.5 % interest is $15,853.
The interest is the amount that is paid by the party at the annual rate of interest for a given period on the principal amount.
Computation for Amount after 14 yearsThe interest (I) added to the amount is given as:
\(I=\dfrac{P\;\times\;R\;\times\;T}{100}\)
The given principal amount, \(P=8300\;\\)
The rate of interest is, \(R=6.5\;\%\)
The time for the interest is, \(T=14\;\rm years\)
Substituting the values for the interest,
\(I=\dfrac{8300\;\times\;6.5\;\times\;14}{100}\\ I=7553\; \\)
The amount of interest added to the base amount after 14 years is, $7553.
The total amount in the account after 14 years is:
\(\rm Total\;amount=Principal\;amount\;+\;Interest\\\\Total\;amount=8300\;+\;7553\;\$ \\\\Total amount=15,853\;\\)
The amount in the bank after the period of 14 years at 6.5 % interest is $15,853.
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Anika, a division manager, is purchasing materials to ensure she has enough to meet customers' demands. Anika is engaging in the ________. A) planning function B) directing function C) controlling function D) decision function
Anika, a division manager, is purchasing materials to ensure she has enough to meet customers' demands. Anika is engaging in the directing function. Thus, the correct option is B.
What is Directing function?Directing function can be said to be a process in which the managers instruct, guide, and oversee the performance of all the workers of the organization to achieve predetermined goals. Directing function is said to be the heart of the management process in an organization. Planning, organizing, staffing have got no importance if the direction function does not take place properly.
There are four primary elements of the directing function which include supervising, motivating, leadership, and communication. The importance of Directing function include initiating actions, ensures co-ordination, improves efficiency, facilitates change and assists stability and growth.
Therefore, the correct option is B.
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The government can shift or influence supply in a market by providing subsidies (money) to businesses or by taxing them heavily.
True or False
Which of the following statements is TRUE? A. By INCREASING the number of payments per year, you BOOST your total cash outflow but INCREASE your effective borrowing rate. B. By INCREASING the number of payments per year, you REDUCE your total cash outflow but DECREASE your effective borrowing rate. C. By INCREASING the number of payments per year, you REDUCE your total cash outflow but INCREASE your effective borrowing rate. D. By DECREASING the number of payments per year, you REDUCE your total cash outflow but INCREASE your effective borrowing rate.
Aggregate demand curves are Question 14 options: downward sloping. upward sloping. horizontal. vertical.
Answer: Downward sloping
Explanation:
The Aggregate demand curve shows the national income in a country and the reason the AD is downward sloping is to represent that when the price level increases, the national income will drop because people now have to spend more for goods and services.
There are different factors that go into the AD curve but the basic premise is that when prices are high, people can only afford less so the demand decreases.
There are many different ways interviews can be conducted, including face-to-face, distance, group, and performance . Which style would you prefer the most? Why? Which style would you prefer the least? Why? << Read Less
Strategic decisions consider, in part, uncertainty and complexity.- True- False
Strategic decisions take into account many factors, but uncertainty and complexity are not necessarily considered.
Strategic decisions are aimed at creating long-term value and are based on assessing current and future opportunities and threats. While uncertainty and complexity may be a factor that influences strategic decisions, they are not the only elements to be considered.
Other factors include the organization's mission and vision, its goals and objectives, the competitive landscape, industry trends, political and economic environments, and the organization's capabilities. Strategic decisions are made with the understanding that the future is unpredictable, but they are also made with the knowledge that the organization can use the available data and resources to make the best possible decision for the future.
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Essay: Are Songs Poems?
Write an introduction.
What are your agurments? Which side are you on? Do you agree or
disagree? Explain
Songs can be considered poems. The use of figurative language, rhyme, and meter, and the intention to express thoughts and emotions are all characteristics shared by both forms of literature. While songs may have additional elements such as music, these elements do not diminish the poetic qualities of the text.
Songs and poems share similar traits. Both forms of literature have meter, rhyme, and rhythm. Therefore, it is essential to determine whether songs can be considered poems. In this essay, I will argue that songs can be considered poems.
Arguments The similarity between songs and poems can be seen in various ways. For instance, both forms of literature use figurative language, such as metaphors, similes, and personification. Moreover, both forms are written to express emotions, thoughts, and ideas, to tell a story, and to make social and political commentary.
Additionally, both forms of literature use rhyme and meter to emphasize specific words and to establish a sense of harmony. Songs, however, are unique in the way they use music to enhance their poetic qualities. The use of music adds another layer of complexity to the text and allows for a deeper emotional connection between the listener and the artist.
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case studies ihn business management
Explanation: Business management is when you manage a business and also process the amount of people or state down the amount of people and see the jobs to fix or make it better and make the job better for you and the workers and your environment.
If you have a choice of questions to answer on an essay test, which questions should you answer first? a. The questions that you know a lot about so you can then focus on the more difficult ones c. The ones that are worth the fewest points because you can finish those quickly b. The questions which call for a 5 paragraph essay because those are easiest to outline d. Any of these Please select the best answer from the choices provided A B C D
The questions that you know a lot about in an essay so you can then focus on the more difficult ones. Thus, A is the correct option.
What is an essay?An essay is a written piece of work that presents a writer's argument, viewpoint, or analysis of a particular topic. It is usually written in a formal or academic style and is intended to persuade or inform the reader.
Narrative essays: These essays tell a story or describe a personal experience.
Descriptive essays: These essays provide vivid details and sensory information about a particular object, place, or event.
Expository essays: These essays explain or describe a topic, providing relevant facts and examples to support the writer's point of view.
Persuasive essays: These essays present an argument or viewpoint and aim to persuade the reader to accept the writer's position.
Argumentative essays: These essays present a well-reasoned argument or analysis of a topic, presenting evidence and counterarguments to support the writer's position.
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A ________ brings buyers and sellers together and facilitates transactions, typically charging a fee after a transaction is completed.
A ________ brings buyers and sellers together and facilitates transactions, typically charging a fee after a transaction is completed.
A) Cash-and-carry wholesaler
B) Broker
C) Retailer
D) Wholesaler
E) Commission merchant
Answer- B) Broker
Why are traditional organizational structures not as workable as they once were?
Increased unemployment
Changes in knowledge levels
Changes in workforce values
Changes in skill levels
Traditional organizational structures are not as workable as they once were due to changes in workforce values.
As the workforce has become more diverse and inclusive, individuals have different expectations of their work environments. The rigid hierarchy and top-down approach of traditional structures can be seen as inflexible and limiting to employees who value autonomy and the ability to contribute in meaningful ways.
Additionally, advancements in technology and changes in knowledge levels have led to new forms of work, which may not fit neatly into traditional structures. As a result, organizations have had to adapt to more flexible structures that allow for greater collaboration, innovation, and employee empowerment.
These new structures often feature flatter hierarchies, cross-functional teams, and greater emphasis on employee development and engagement.
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A production possibilities curve that is concave to the origin (bowed out) implies that as more of a good is produced, the opportunity cost A. decreases B. remains constant C. increases D. increases at first and then decreases Capital Goods Origin Consumer Goods
The correct answer is C. A production possibility curve that is concave to the origin (bowed out) implies that as more of a good is produced, the opportunity cost increases.
A production possibilities curve that is concave to the origin (bowed out) implies that as more of a good is produced, the opportunity cost increases. This is because resources are not equally efficient in producing different goods, so as more of a good is produced, resources that are less well-suited for producing that good must be used, resulting in a higher opportunity cost.
Therefore, the production possibilities curve shows that to produce more of one good, society must give up an increasing amount of the other good. This is true whether the goods being produced are capital goods or consumer goods.
This is because resources are not equally efficient in producing different goods, and as more resources are allocated to one good, the opportunity cost of producing additional units of that good increases. The shape of the curve reflects the increasing opportunity cost.
This concept is often illustrated with a production possibility curve that shows the trade-off between producing capital goods (used to produce other goods) and consumer goods (goods for immediate consumption). As more capital goods are produced, the opportunity cost of producing additional units of consumer goods increases, and vice versa.
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Which of the following types of services do insurance companies intentionally create moral hazard?
a. Acute Care
b.Surgery
c.Physical Rehabilitation
d.Preventive Care
a. Acute Care Insurance companies intentionally create moral hazard in the context of acute care services. Moral hazard refers to the increased risk-taking behavior or overutilization of services by individuals
when they are insured. In the case of acute care, insurance companies may inadvertently encourage insured individuals to seek unnecessary or excessive medical treatments or procedures due to reduced financial burden or cost-sharing. This behavior can lead to higher healthcare costs and increased premiums for insurance providers. Insurance companies often implement various strategies, such as co-pays, deductibles, and utilization management programs, to mitigate moral hazard and promote responsible healthcare utilization. However, acute care services are more susceptible to moral hazard compared to preventive care, as they are typically sought in response to immediate health concerns or emergencies.
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you open the newspaper and read that europe is headed for a recession. use the fed model to forecast what you expect to happen to the u.s. economy. a. a european recession is a macroeconomic shock that decreases u.s. aggregate expenditure, due to a decrease in net exports . b. demonstrate the effects of the macroeconomic shock, using the is-mp framework.
You open the newspaper and read that Europe is headed for a recession, use the fed model to forecast and the expect to happen to the U.S economy was European recession is a macroeconomic shock that decreases U.S aggregate expenditure, due to a decrease in net exports . The correct option is (A).
What do you mean by the recession?
A prolonged period of weak or negative real GDP (output) growth that is accompanied by a noticeably higher unemployment rate is known as a recession. During a recession, a lot of other economic activity indices are similarly weak.
According to Pugliese, unemployment frequently increases during recessions, and total employment levels may even decline.
Additionally, GDP growth typically slows down during recessions as a result of decreased employment and consumer demand, which results in lower production of goods and services.
Therefore, you open the newspaper and read that Europe is headed for a recession, use the fed model to forecast and the expect to happen to the U.S economy was European recession is a macroeconomic shock that decreases U.S aggregate expenditure, due to a decrease in net exports .
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The reinvestment rate risk
Question 14 options:
captures the probability that the issuer will not pay interests
or principal at the stated time and stated amount.
refers to the risk of incom
Reinvestment rate risk refers to the risk that the interest earned on funds will not be reinvested at the same rate. It is also known as rollover risk. It is the risk that an investor will be unable to reinvest their cash flows into investments that offer the same rate of return as the original investment.
This risk can impact bondholders since they rely on future cash flows to meet their investment goals. A bond that is issued at a fixed rate of interest has a reinvestment rate risk, as the interest rate at which the bond is reinvested will determine the yield that the bondholder can achieve.
As such, the reinvestment rate risk can be a challenge for investors who rely on cash flows from their investments. Answer: Reinvestment rate risk is the risk that the interest earned on funds will not be reinvested at the same rate.
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Felicity earns $39.990 per year in take-home pay. What is the most money a
housing expert would advise her to spend on a monthly mortgage payment?
A. $987.24
B. $3990.00
C. $833.13
D. $666.50
Answer:
C. $833.13
Explanation:
Home experts advocate for the 28/36 rule. As per this rule, total household expenditure on debts, including mortgages, should not exceed 36 % of monthly gross income. Monthly spending on mortgages should not exceed 28% of monthly income.
Felicity annual income = $39,990
Monthly income = $39,990/12
monthly income =$3,332.50
The maximum amount to be spent on mortgages
= 28% of $3,332.50
=28/100 x 3,332.50
=$933.1
Felicity should not spend more than $933.1 on the mortgage alone
From the options provided, $833.13 should be the recommended amount
Unions may be established in a(n) _____ of a company, representing only one department or job category within the company.
Unions may be established in a branch or division of a company, representing only one department or job category within the company. This allows for specialized representation and negotiation based on the unique concerns of employees in that department or job category.
Unions may be established in a branch or division of a company, representing only one department or job category within the company. For example, let's say a manufacturing company has several departments such as production, maintenance, and administration. If the employees in the production department feel the need to form a union to address their specific concerns and negotiate better working conditions, they can establish a union that represents only the production department. Similarly, employees in the maintenance department or any other specific job category can also form their own unions.
By establishing unions at the department or job category level, employees can focus on addressing issues that are unique to their specific roles or departments. This allows for a more targeted approach in negotiations and representation. Each union can negotiate separate collective bargaining agreements that cater to the specific needs and interests of its members.
Unions may be established in a branch or division of a company, representing only one department or job category within the company. This allows for specialized representation and negotiation based on the unique concerns of employees in that department or job category.
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Taylor buys bottles of nail polish that cost $3. 95 each. She has a maximum of $30 to spend on nail polish purchases. The total cost, with respect to bottles purchased, can be modeled by a function. Which statement correctly defines the domain of the function?.
The domain of the function will be C. The domain is the set of while numbers greater than or equal to 0 and less than or equal to 7.
Let x = the number of nail polishes that are bought.
Since Taylor buys bottles of nail polish that cost $3. 95 each and she has a maximum of $30 to spend, the number of nail polishes that'll be bought will be:
= 30/3.95.
x = 7.60
In conclusion, the domain is the set of while numbers greater than or equal to 0 and less than or equal to 7.
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