Norm-referenced instruments are most useful for A. determining if an individual has mastered certain material B. Establishing minimum levels of competence C. Comparing an individuals performance with other individuals D. Comparing performance to a standard

In a loan, the interest rate is considered as the biggest factors in calculating finance charges because the interest rate adds a percentage of money not already spent to pay towards the credit cards if not paid in full each month.

The term "interest rate" is a rate that tells you how high the cost of borrowing is or high the rewards are for saving. As a borrower, an interest rate is the amount you are charged for borrowing money which is shown as a percentage of the total amount of the loan.

In a loan, the finance charge means the total cost of borrowing money which includes the interest paid and any service fees by the lender which is why the interest rate is a big factor in calculating finance charges of credit cards.

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Answer:

3.020

Explanation:

Morrit Corporation

interest amount = $1,080,000*.11 = $118,800

Net profit = 3% *$6,000,000= $180,000

Net profit + tax = profit before tax =

180000/.75 = 240000

Profit before tax + Interest = Earning before interest and tax

= $240,000+$118,800 = $358,800

TIE ratio= EBIT/Interest = $358,800/118,800

= 3.020

Therefore the TIE ratio is 3.020

Option D is correct. The cost of attendance is the amount of money it costs to complete one year as a full-time student.

The cost of attendance (COA) is an estimate of the total amount of money it will cost to attend a particular college or university for one academic year. It is used by the school's financial aid office to determine a student's eligibility for financial aid, including grants, scholarships, and loans. The cost of attendance varies depending on the school and the student's individual circumstances, such as their residency status and the program or major they are pursuing.

Numerous institutions determine and publicise multiple costs of attendance, depending on the individual circumstances of their students. For undergraduate students, there might be various COAs depending on whether they commute from home, reside off-campus, or live on campus. Different COAs are listed by state institutions and colleges for in-state and out-of-state students. Students in graduate programmes and professionals may have distinct COAs.

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Answer:

Investment spending is spending on goods to produce other goods. Investment spending includes the accumulation of new inventories. It also includes spending by households on new houses. ... Gross investment is the total spending on investment goods.

Explanation:

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Absolut Vodka has been regarded for its print advertisements showing its unique bottle in unusual and obscure contexts.

These classified ads bring that the vodka makes the context wherein it's far positioned 'Absolut'.

Absolut Vodka is made solely from natural components, and in contrast to different vodkas, it doesn't contain any added sugar. In fact, Absolut is as natural as vodka can be.

Absolut became an iconic bottle when it piqued the interest of Andy Warhol, who created Absolut's well-known print campaign in 1986. consistent with the Absolut ebook: “Over dinner one night time, Warhol tells Michel that he's enthralled by the artfulness of the Absolut bottle.

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Answer:

Bryophytes are non-vascular plants, without xylem and phloem. They reproduce by gamete formation. For eg., mosses, liverworts and hornworts. On the contrary, pteridophytes are vascular plants with xylem and phloem.

The Ryan Company can increase its sales by revising its credit policies to attract more customers and generate more revenue.

If the credit policy at Ryan's was changed, sales would increase and generate more revenue.

Credit policy is the terms and conditions under which a borrower can access credit. It includes things like credit rating, credit score, collateral, and payment terms.

Changing the credit policy can significantly impact a business's sales and overall profitability. A business may opt to loosen credit policies to attract more customers and increase sales.

On the other hand, a tighter credit policy may reduce the number of customers but increase the quality of customers and the business's long-term profitability.

In conclusion, the Ryan Company can increase its sales by revising its credit policies to attract more customers and generate more revenue.

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The main arguments for and against the position taken by each of the three directors are as follows: Director X: The advantages of paying out dividends in cash will be welcomed by investors, and the higher the dividend payout ratio, the more positively the company's share value will be perceived in the market. This will increase the demand for the company's shares and help to boost share price growth.

This, in turn, would increase shareholder wealth. The disadvantage of this argument is that if the company does not have sufficient cash to pay dividends, it may need to raise funds by issuing new shares, which could lead to a dilution of shareholder value.

Director Y: The payment or non-payment of cash dividends is immaterial in terms of maximizing shareholder wealth. What is important is that the company generates adequate earnings and has a good growth strategy. It can reinvest earnings to support its growth, which can also increase the share value and ultimately benefit shareholders.

The disadvantage of this argument is that if the company has excess cash, it may not have an efficient use for it, and it could lead to an erosion of shareholder value. Director Z: Dividend payments should be avoided because they reduce shareholder wealth.

The advantage of this argument is that the company can conserve cash and invest it in profitable projects, leading to higher earnings and share price growth. The disadvantage of this argument is that the company may be viewed negatively in the market for not paying out dividends, resulting in lower demand and share price growth.

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Answer:

monitoring

Explanation:

Monitoring is an essential step in tracking the results of an organizational operation. When a decision is implemented in a company, it must be monitored through a systematic collection of data and information that allow the manager to analyze whether the decision is in accordance with the plan, whether the progress is being effective and whether the results are compatible with the planned, being able to make changes to the project if necessary, eliminate bottlenecks and continuously improve organizational operations, achieving greater quality and effectiveness.

Answer:

ISP

Explanation:

Internet Service Providers (ISPs) can see everything you do online. They can track things like which websites you visit, how long you spend on them, the content you watch, the device you're using, and your geographic location.

The amount larger or smaller is the bank loan payment than the lease payment is: c. $207,215.

In order tom determine the bank loan payment we would be using financial calculator find the PMT  by inputting the below data

N= Number of years = 5

1/Y= Interest rate= 10%

PV=Present value= -$6,000,000

FV=Face value = 0

PMT=Payment=?

Hence:

PMT=$1,582,784.88

Now let determine the bank loan payment

Bank loan payment=$1,790,000 -$1,582,784.88

Bank loan payment=$207,215

Inconclusion the amount larger or smaller is the bank loan payment than the lease payment is: c. $207,215.

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To ensure effective organizational structure and design, several key levers must be in place.

The following are the three key levers needed for an organization to effectively design its reporting relationships and broader organizational structure:

Structure: The structure of an organization refers to its hierarchical layout and system of management. This involves establishing the company's structure of authority and responsibility, as well as outlining its goals and objectives. The framework for how different departments and teams work together is also defined by the organizational structure.

Culture: The attitudes and behaviors that drive how the company operates are referred to as organizational culture. It is essentially the personality of an organization, and it can have a significant impact on everything from employee morale to customer satisfaction. To create an environment that is supportive of the company's objectives and values, businesses must establish a culture of innovation, transparency, and trust.

Control: Control is the process of monitoring and adjusting an organization's performance, as well as identifying and correcting errors. Control is essential for ensuring that the company is performing optimally, meeting its goals, and delivering high-quality products and services. It also refers to the procedures and systems that are used to ensure compliance with regulations and standards.

What are reporting relationships in organizations?

In an organization, a reporting relationship refers to the chain of command that exists among individuals and departments. This defines the people who will provide you with instructions and the individuals to whom you must report your work. The most important point to remember is that the reporting relationship has the power to decide which department holds more importance and decision-making power. Reporting relationships are critical in ensuring that everyone in the organization is aware of their roles and responsibilities, and they also help to establish efficient communication channels. Option D is the correct answer.

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If the buyer fails to close escrow on time (condition #10), the seller should use a Demand to Close Escrow (DCE) rather than a notice to perform. It is also critical that the seller has met all of his commitments regarding the buyer's conditions.

Escrow is commonly used in real estate for two reasons:

Escrow accounts are classified into two types based on their intended use. One is used during the home-buying process, while the other is used for the duration of your loan.

It stands for Demand to Close Escrow (DCE). If your buyer is dragging their feet on the closing, have your real estate agent create a Demand to Close Escrow. The contract permits the buyers at least three days to get their ducks in a row before closing the deal.

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The final payment is not a fee that contributes to the original cost of leasing an automobile, option B is the correct answer.

The first payment is, predictably, the same as one month's rent.

A lender or lessor will impose an acquisition fee to offset the costs of establishing a loan or lease agreement.

A disposition fee, sometimes known as a turn-in fee, is a cost associated with returning a rented vehicle.

Therefore, final payment doesn't contribute to leasing a car.

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The disposition fee does not contribute to the initial cost of leasing a car as it is paid at the time of returning the car to the leasing company.

A disposition fee is an amount charged to the individual leasing the car at the end of their lease to prep it for the next buyer.

This is done to cover the leasing company's costs of disposing of or selling the leased vehicle.

Therefore, Option D. disposition fee is the correct answer as it does not form part of the initial cost of leasing a car.

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The demand curve with constant unitary elasticity is concave because of the nature of unitary elasticity itself.

Unitary elasticity means that the percentage change in quantity demanded is equal to the percentage change in price. In other words, when the price changes by a certain percentage, the quantity demanded changes by the same percentage in the opposite direction. When plotting a demand curve with constant unitary elasticity on a graph, we typically use a logarithmic scale for both the price and quantity axes.

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within the European Union because there would be no barriers to trade

is the answer.

The European Union is a political and economic union of 27 member states, primarily in Europe. The total area of ​​the Union is 4,233,255.3 km² and the estimated total population is about 447 million.

The European Union (EU) is a unique economic and political coalition between 27 European countries. The predecessor of the EU was founded after World War II.

Founded in 1992, the modern European Union has its roots in the integration of the post-war European economy and the prevention of future conflicts. It consists of seven major institutions and dozens of smaller institutions that legislate and coordinate foreign policy and trade and manages a common budget.

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Answer:

b. shipping contract.

Explanation:

Shipping contract in which the vendor is obliged to dispatch the goods through the carrier. Once delivered to the carrier, the buyer bears responsibility for any injuries or damages to the goods. It is a detailed body of regulations, laws and policies, international treaties, and judicial rulings designed to deal with the responsibility and operating rights of carriers traveling on the high seas. All contracts are oftentimes implied to be contracts for shipment if there is nothing to the contrary specified in the contract.

Answer:

D

Explanation:

your welcome

Input is the sector of agribusiness involves packers and advertisements, According to the presentation. Hence, option D is correct.

The production and management of farms, the manufacture and distribution of agricultural equipment and supplies, as well as the processing, storage, and distribution of agricultural goods are all included in the definition of the agribusiness industry.

Agribusinesses include companies that make agricultural machinery like Deere & Company, create seeds and agrichemicals like Monsanto, process food like Archer Daniels Midland Company.

As well as farmer's cooperatives, agro-tourism companies, and companies that make biofuels, animal feeds, and other goods. The sector of the economy known as "agribusiness" encompasses all farming-related economic activities.

Thus, option D is correct.

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These reasons include:-

Answer:

Vehicle no 2

Explanation:

Vehicle no 2 is most likely to be more preferred by customer because it has longest warranty period of 10 years unlike other vehicles. Vehicle has another feature of security which other vehicles lapse. It is more spacious as it has capacity for cargo as well. People can go on long drives and picnic with ease using this vehicle.

The suit will not prosper and Jill cannot recover the car from Willie.

No, the suit will not prosper. This is because the sale between Jill and Jake was valid and binding. According to Article 1485 of the Civil Code of the Philippines, "The unpaid seller of goods loses the right of lien thereon and of stoppage in transitu and the right of resale as limited by this Title when he delivers the goods to a carrier or other bailee for the purpose of transmission to the buyer without reserving the ownership in the goods until their price is paid or tendered."

In this case, Jill delivered the car to Jake without reserving the ownership until the check is paid. Therefore, she lost her right of lien and the right of resale. Jake, as the new owner, had the right to sell the car to John, who then sold it to Willie.

Furthermore, Article 1249 of the Civil Code states that "The delivery of promissory notes payable to order, or bills of exchange or other mercantile documents shall produce the effect of payment only when they have been cashed, or when through the fault of the creditor they have been impaired." This means that the check issued by Jake did not produce the effect of payment until it was cashed. However, Jill cannot recover the car from Willie because she lost her right of lien and the right of resale when she delivered the car to Jake without reserving the ownership until the check is paid.

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Answer:bodily/kinesthetic have a great day

Answer:

bodily/kinesthetic

Answer:

The following are methods I could communicate the information to my employees:

1. I will need to analyze the kind of crises, in other words, define the crises I'm facing so as to know how to share them with my employees.

2. What I hope to achieve by communicating the information to my employees is also to be considered. Am I sharing this information to get advice from them, or do I want empathy, or do I want them to learn?

3.The way I communicate the information would also depend on the relationship I have with my employees.

4. I would call all my employees into my office or conference room noting I don't do this when they are tired or stressed so I could get maximum attention from them.

5. All employees regardless of their position would be present.

6. After communicating with them on the crises I'm facing, I would wait for feedback which might be corrections, advice, observations, and solutions.

7. I would be open to feedbacks to emphasize how much I care about hearing from my employees at all levels

Explanation:

When you are a manager and you are facing crises, the way you communicate the information to your employees would be much different from communicating to the same employees if you are handling a crisis situation in the company.

Answer:

Answer is B.

Explanation:

Stomp me if im wrong

Answer:

Journalism and broadcast

Explanation:

i got 100% on the test

In a business-model sense, many organizations consider customers strategic assets. A customer's strategic asset is considered a valuable and long-term source of revenue. This implies that companies must engage in customer-centric practices and foster good relationships to benefit from their clients.

Customers are the foundation of any business. In order for a company to thrive, they must attract and retain consumers who are loyal to the brand. It is critical to remember that a customer isn't just a means of generating revenue; they are also a source of information about the company and the market. As a result, clients are regarded as strategic assets by many organizations, which are valuable resources that should be safeguarded.

Companies view clients as strategic assets for various reasons, one of which is that they provide a dependable source of revenue. In other words, a customer that is satisfied with the product or service they receive is more likely to become a repeat customer and recommend it to others. This boosts the company's bottom line and provides a long-term revenue stream. Furthermore, a company's clients serve as a bridge to the market and provide valuable insights into consumer preferences and trends. Clients may be a valuable source of information for businesses looking to expand their product lines or enter new markets. Companies can use customer feedback to improve existing goods and services or to create new ones.

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The ease or difficulty of leaving investments untouched for at least five years can vary from person to person based on their individual circumstances and mindset.

Here are some factors that may influence one's ability to stay invested for the long term:

Financial goals and stability: If an individual has clear long-term financial goals and a stable financial situation, they may find it easier to stay invested. Knowing that the investments are aligned with their objectives and are part of a well-thought-out plan can provide confidence and motivation to stay invested.

Risk tolerance: A person's risk tolerance, or their willingness to accept fluctuations in the value of their investments, can impact their ability to stay invested. If someone is more risk-averse and gets easily anxious about market volatility, they might find it more challenging to resist the urge to sell during periods of market downturns.

Emotional discipline: Emotional discipline plays a crucial role in long-term investing. It requires the ability to detach oneself from short-term market fluctuations and make rational decisions based on long-term trends and goals. Developing emotional discipline can help individuals resist impulsive actions driven by fear or greed.

To remind oneself of the benefits of staying invested for the long term, consider the following strategies:

Education and research: Learn about the historical performance of the market over the long term and how staying invested can potentially yield higher returns. Understanding the power of compounding and the benefits of staying invested can provide motivation to remain committed.

Focus on long-term goals: Regularly remind yourself of your long-term financial goals and how staying invested aligns with those objectives. Visualize the impact of long-term growth and the potential benefits it can bring, such as retirement security or funding major life milestones.

Seek professional advice: Consult with a financial advisor who can provide guidance and reassurance during periods of market volatility. They can help you stay focused on your long-term strategy and provide perspective on market fluctuations.

Diversify your portfolio: A well-diversified portfolio can help reduce the impact of market volatility and increase the chances of long-term success. Knowing that your investments are spread across different asset classes and sectors can provide a sense of stability and confidence.

Set up reminders: Use tools such as calendar reminders or investment tracking apps to periodically review your investment performance and reinforce the importance of staying invested for the long term. These reminders can help you stay engaged and committed to your investment strategy.

Remember, every investor's situation is unique, and it's essential to assess your own circumstances and risk tolerance before making any investment decisions. If you're uncertain, consider consulting with a financial professional who can provide personalized advice based on your specific goals and risk profile.

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The Projected Growth In Buyer Demand For Private-Label Athletic Footwear is 10% Annually In North America And Latin America During The Year 11- Year 20 Period. The correct option is b.

North America's GDP per capita was evaluated in October 2016 by the International Monetary Fund (IMF) to be $41,830, making it the richest continent in the world, followed by Oceania. Canada, Mexico, and the U.S. have significant and multifaceted economic systems. The U.S. has the largest economy of all three countries in the world.

In 2016, the U.S. had an estimated per capita gross domestic product (PPP) of $57,466 according to the World Bank and is the most technologically developed economy of the three.

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Explanation:

I believe this is what you are asking for, Newton's law of gravitation.

The law of Newton's universal-gravitation states that every particle will attract every other particle in the universe. The force that attracts this is a force that is directly proportional to a product of the mass.

The statements about Yield Curves that is true  D. An inverted Yield Curve could be predicting a future economic expansion, and in effect, has appeared.

An inverted yield curve occurs when short-term interest rates are higher than long-term interest rates. This is a relatively rare occurrence and is often seen as a sign of an upcoming economic expansion.

It suggests that investors have a positive outlook on the economy's long-term prospects, leading them to demand higher returns on long-term investments.

In this situation, borrowing costs may decrease, encouraging businesses and individuals to invest and spend more, which can stimulate economic growth.

To understand the concept of a yield curve, it's essential to know that it represents the relationship between the interest rates (or yields) and the time to maturity of fixed-income securities, such as bonds.

The yield curve is typically upward sloping, meaning that longer-term bonds have higher yields than shorter-term bonds. This is because investors usually demand higher returns for tying up their money for longer periods and taking on more risk.

While a steeply upward sloping yield curve (option A) may indicate expectations of future economic growth, it is not typically associated with predicting a recession.

Conversely, a mildly upward sloping yield curve (option B) could suggest a slowdown in economic activity but not necessarily predict a future recession.

To summarize, an inverted yield curve (option D) is considered a potential predictor of a future economic expansion. It implies that investors anticipate favorable economic conditions in the long run, leading to lower borrowing costs and increased economic activity.

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