suppose you deposit $2,500 today in a savings account at 3.5% interest compounded annually. assuming no withdrawal, how much would you have at the end of 10 years?
Answers
After considering the time value of money the future value of deposits in 10 years will be- $3,526.50.
FV = PV*(1+r) ^n
Given that: -
FV = Future Value
PV = Present Value = $2500
r = rate of interest = 3.5%
n = number of periods
FV = 2500*(1+0.35) ^10
= 2500* 1.4106
= 3,526.50
Therefore, the future value of the deposits after 10 years will be $3,526.50
Time value of money: The time value of money is the widely held belief that receiving a sum of money now is preferable to receiving an identical sum later. It is possible to interpret it as an implication of the later-developed concept of time preference.
When weighing the opportunity costs of spending rather than saving or investing money, one factor to consider is the time value of money. As such, it is one of the reasons why interest is paid or earned: interest compensates the depositor or lender for the loss of use of their money, whether on a bank deposit or a debt. Investors are willing to forego spending money now only if they anticipate a favorable net return on their investment in the future, such that the increased value available later is sufficient to offset both the preference to spend money now and inflation (if present).
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Related Questions
How does the outlook for this job influence decision to pursue it? Does the education required for this match your plans for high school?
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The outlook for this job influence decision to pursue it Looking at process outlook whilst choosing a brand-new function to pursue is an crucial thing to making sure process security. The better the process outlook for that function, the much more likely you're to each locate and maintain a process in that field.
The education required for this match your plans for high school Having a plan in place in which college students can maintain music of those non-public learnings can assist similarly their very own development. For instance, they could file what mastering fashion pleasant fits them. For excessive college college students, this piece of records may be very beneficial in relation to deciding on a college.
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The Engel Curve for a good is derived by which of the following? Tracing the optimal allocation as the good's price changes Tracing the optimal allocation as income changes Tracing the optimal allocation as either income or price changes Any of the above None of the above
Answers
The Engel Curve for a good is derived by tracing the optimal allocation as income changes.
The Engel Curve shows the relationship between the quantity of a good consumed and the level of income. It illustrates how the demand for a particular good varies with changes in income while holding other factors constant, such as prices.
By tracing the optimal allocation of the good as income changes, economists can observe how individuals adjust their consumption patterns in response to changes in their income levels. As income increases, individuals may choose to allocate more of their budget towards certain goods, resulting in an upward shift in the Engel Curve. Conversely, as income decreases, individuals may allocate less of their budget towards certain goods, leading to a downward shift in the Engel Curve.
The Engel Curve provides insights into the income elasticity of demand for a good and helps economists understand how changes in income affect consumer behavior and consumption patterns. By examining the relationship between income and the quantity consumed, economists can gain valuable insights into consumer preferences and the income sensitivity of different goods
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In some countries a surgeon can earn 250000 or more each year. A nurse may earn just 40000 in comparison. Suggest three reasons for this differential in earnings.
Answers
Answer: See explanation
Explanation:
The reasons for the difference in wages include:
1. Education and training: A nurse uses about 4-5 years to train to become a nurse while a surgeon uses about 15 years both at medical school and for further training and examination before he or she qualifies as a surgeon. This is a reason for the higher earning of the surgeon.
2. Also, due to the low barriers to entry, there are numerous nurses than surgeons who are few. This affects earnings as well as there are more supply of nurses which brings about a lower income than surgeons who are scarce and highly priced.
3. The skills and experience matters as well and the risks involved in their jobs results in wage difference too.
Examine the following and identify whether it is a quantitative or qualitative research question. Do SHS students participate in a yearly National Maths and Science program learn more math content as demonstrated on the WAEC league than those who do not participate in the math program? What are the independent and the dependent variables?
Answers
Answer:
Explanation:
Research Question: Do SHS students participate in a yearly National Maths and Science program learn more math content as demonstrated on the WAEC league than those who do not participate in the math program?
Type of Research: The research question is a quantitative research question.
Independent Variable: Participation in the yearly National Maths and Science program (categorical variable: participation vs. non-participation).
Dependent Variable: Math content learned as demonstrated on the WAEC league (quantitative variable: scores or performance level).
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Which technology do online stores usually use to present customized content?
Online stores usually use __
technology to present customized content.
Answers
Answer:
real time analytics
Explanation:
rend-Line Inc. has been growing at a rate of 6% per year and is expected to continue to do so indefinitely. The next dividend is expected to be $5 per share. a. If the market expects a 10% rate of return on Trend-Line, at what price must it be selling? (Do not round intermediate calculations.)
Answers
The price at which Trend-Line must be selling is $100 per share.
To calculate the price of a share for a growing dividend stock, we use the Gordon Growth Model (Dividend Discount Model), which is given by the formula P = D1 / (r - g), where P is the price of the share, D1 is the expected next dividend, r is the required rate of return, and g is the growth rate.
In this case, D1 = $5, r = 10% (0.10), and g = 6% (0.06). Plugging these values into the formula:
P = $5 / (0.10 - 0.06) = $5 / 0.04 = $100
So, Trend-Line must be selling at a price of $100 per share to meet the market's expected rate of return.
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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
Answers
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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if a nonbinding price floor is imposed on a market, then the
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if a nonbinding price floor is imposed on a market, then the quantity sold will stay the same.
Here are the options of this question:
then the a quantity sold in the market will stay the samequantity sold in the market will decreaseprice in the market will increaseprice in the market will decreaseA price floor is when the minimum price for a good or service is set by the government or an agency of the government. Price floor is usually set for agricultural products. This is done to encourage suppliers of goods and services.
Types of price floor
Binding price floor: this is the price floor that is set above equilibrium price. When the price floor is binding, the supply of a good would increase. Non-binding price floor: this is the price floor that is set below equilibrium price. When the price floor in nonbinding, there would be no change in supply.An example: If the price of a good is $10. The equilibrium price is $12. If the government sets the price as $14. This is a binding price floor. If the price is set below $12, it is a nonbinding price floor.
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the plantwide overhead rate method is most appropriate for companies which have
Answers
Answer:
Explanation: The plantwide overhead rate is a single overhead rate that a company uses to allocate all of its manufacturing overhead costs to products or cost objects.
in 2012, how many angel investment deals had more than one angel
Answers
Although it's conceivable, more angel investors are now participating in a single fundraising effort than in previous years. In 2012, co-investments made up over 70% of angel investment agreements, compared to just 41% in 2010 and 64% in 2011.
There will be more than 26,000 of these investors in India in 2022, some of them are members of several angel networks, including the Indian Angel Network, Chennai Angels, Hyderabad Angels, and Mumbai Angels, among others. Before formulating plans to begin developing and investing in any new or current ideas, products, or services, the market must first be thoroughly analysed to determine its wants and requirements.
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True or false: A company that achieves differentiation parity at a lower cost has implemented a successful cost-leadership strategy.
Answers
If a company can achieve differentiation parity at a lower cost then it would have implemented a cost leadership strategy. This is therefore true.
What is a cost leadership strategy?This refers to when a company aims to incur lower costs to produce goods than its competitors.
If differentiation parity is achieved, it means that the company was able to produce unique goods which are equal to those of the competition at a lower cost. This is cost leadership.
In conclusion, this is true.
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Which type of bankruptcy is when a person sells all their assets to eliminate their debt? Chapter 6 Chapter 7 Chapter 11 Chapter 13
Answers
The type of bankruptcy which occur wheen is when a person sells all their assets to eliminate their debt is Chapter 7.
What is Chapter 7 bankruptcy?Chapter 7 bankruptcy can be described as the “liquidation” bankruptcy. Businesses going through this type of bankruptcy are past the stage of reorganization and must sell off assets to pay their creditors.
It should be noted that the process works much the same for individuals however the Bankruptcy do make people who can no longer pay their debts get a fresh start by liquidating assets so that they can attend to their debts or by creating a repayment plan, in conclusion Bankruptcy laws also protect financially troubled businesses. This section explains the bankruptcy process and laws.
Therefore, option C is correct.
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Answer: it is c took the assesment and got it right
Explanation: im him
you are employed as a network administrator of vincent motors. an unreleased blueprint of a new car model of vincent motors has been leaked on the internet. you assume that an intruder must have succeeded in gaining access to your network in order to copy the blueprint. which of the following access control techniques will you use so that such an activity can be detected in the future?
Answers
The control process techniques that can be used so that such an activity can be detected in the future is authentication.
One of the significant management tasks is controlling. In reality, the management function as a whole will be rendered obsolete in the absence of a control process. The administration won't be able to tell whether the plan is being implemented correctly or not, or whether it is operating well. The primary goal of the management process is to ensure that the planned actions within an organization are occurring.
The control process aids managers in assessing the performance level of their individual organizations. The final function of management is control. If other management tasks are properly performed, the controlling function would become obsolete. Control will be necessary when there are any issues with the planned or collection and reporting.
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Forms are most useful: A. during the design stage. B. during the initial planning stages. C. when they contain actual organizational data. D. during the requirements structuring stage. E. when they do not contain any data.
Answers
Forms are most useful (A) during the design stage and (b) during the initial planning stages .
During the design stage, forms play a crucial role in shaping the structure and layout of information collection.
They help determine what data needs to be captured, how it should be organized, and how users will interact with the form.
Designing effective forms at this stage ensures that relevant data can be collected accurately and efficiently.
During the initial planning stages, forms are also valuable as they assist in gathering necessary information and input from stakeholders.
These forms help in capturing essential details, requirements, and preferences from individuals involved in the planning process.
They provide a structured framework to gather and document relevant data, ensuring that key information is not overlooked or forgotten.
While forms can be used at various stages of a project or organizational process, their greatest usefulness is observed during the design stage and initial planning stages.
They aid in collecting and organizing data effectively, streamlining processes, and facilitating communication and collaboration among stakeholders.
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Due to the presence of unanticipated inflation, use the
relationship between inflation,
nominal and real income and interest rate to highlight the winners
and losers in the labour
and financial market
Answers
Due to the presence of unanticipated inflation, the relationship between inflation, nominal and real income, and interest rates can highlight the winners and losers in the labor and financial markets. Inflation causes the overall price level to rise, which reduces the purchasing power of money.
This impacts real income, which is the income adjusted for inflation, and nominal income, which is the income not adjusted for inflation.
Winners in the labor market are typically those who can negotiate higher nominal wages that outpace inflation, leading to an increase in their real income. Losers in the labor market are those who cannot secure higher nominal wages, resulting in a decrease in their real income due to inflation eroding their purchasing power.
In the financial market, borrowers who have fixed-interest rate loans can be winners during unanticipated inflation, as the real interest rate (nominal interest rate minus inflation rate) decreases. This effectively reduces their borrowing costs.
On the other hand, lenders and investors with fixed interest rate assets, like bonds, become losers as their real interest rate decreases, lowering their returns.
In summary, unanticipated inflation can create winners and losers in the labor and financial markets. Those who can secure higher nominal wages or have fixed interest rate loans may benefit, while those who cannot increase their wages or have fixed interest rate assets may suffer.
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Source: Tommy Stubbington and Ben Edwards, open double quoteU.K. to Repay First World War Bonds,close double quote Wall Street Journal, October 31, 2014. A few years ago the British government was considering retiring, or buying back from investors, some outstanding consols that had annual coupons of pound60. A consol is:
Answers
Answer:
Follows are the solution to this question:
Explanation:
Its console shall be coordinated effort mutual funds which do not grow at all, and in every year they create a corrected degree of interest, that's why Its bond paying a fixed rate of the coupon but not maturing.
\(\text{Consolation price} =\frac{\text{Set amount of coupon}}{\text{Return Rate}}\)
\(= \frac{35}{2.5\%} \\\\ = \frac{35\times 100}{2.5} \\\\ = \frac{35\times 1000}{25} \\\\ = \frac{7\times 1000}{5} \\\\ = 7\times 200 \\\\= 1400\)
It's the price that the government needs to offer shareholders.
For bramble corp. at a sales level of 4000 units, sales is $71000, variable expenses total $58000, and fixed expenses are $21000. what is the contribution margin per unit?
a. $3.25
b. $5.25
c. $17.75
d. $14.50
Answers
For bramble corp. at an income degree of 4000 gadgets, income is $71000, variable costs total $58000, and fixed prices are $21000. the contribution margin per unit is b. $5.25
Contribution margin according to unit= Contribution÷sales gadgets
= ($seventy five,000-$50,000)÷4,000
= $5.25 in line with unit
Brambles is a deliver-chain logistics business enterprise working in extra than. 60 international locations, normally thru the. CHEP emblem.
Brambles constrained is a regionally owned publicly indexed agency that derives its sales from the availability of deliver-chain logistics services. The organization employs about 12,000 human beings throughout its worldwide operations, serving customers in more than 60 nations.
Brambles' structures shape the invisible spine of worldwide delivery chains, normally serving the quick-shifting patron items, sparkling produce, beverage, retail, and well-known production industries. the arena's biggest brands trust Brambles to help them deliver lifestyle essentials greater effectively, effectively, and sustainably.
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Suppose that Florida Bank has recently granted a loan of $2 million to Oyster Farms at LIBOR plus 0. 5 percent for six months. In return for granting Oyster Farms an interest-rate cap of 6. 5 percent on its loan, this bank has received from this customer a floor rate on the loan of 5 percent. Suppose that, as the loan is about to start, LIBOR declines to 4. 25 percent and remains there for the duration of the loan. How much (in dollars) will Oyster Farms have to pay in total interest on this six-month loan with floor and without floor?How much in interest rebates will Oyster Farms have to pay due to the fall in LIBOR?
Answers
Oyster Farms will have to pay a total interest of $95,000 on the six-month loan without the floor rate, and $100,000 with the floor rate. They will receive an interest rebate of $5,000 due to the fall in LIBOR.
Without the floor rate, Oyster Farms would have to pay interest at a rate of LIBOR plus 0.5 percent, which equals
4.25% + 0.5% = 4.75%.
With a loan amount of $2 million, the total interest payment without the floor rate would be
$2,000,000 * 4.75% = $95,000.
With the floor rate of 5 percent, Oyster Farms would have to pay interest at a rate of 5 percent, regardless of the decline in LIBOR to 4.25 percent. Again, with a loan amount of $2 million, the total interest payment with the floor rate would be
$2,000,000 * 5% = $100,000.
Since LIBOR declined, Oyster Farms will receive an interest rebate due to the fall in LIBOR. The difference between the interest payment without the floor and the interest payment with the floor is
$100,000 - $95,000 = $5,000.
Therefore, Oyster Farms will receive an interest rebate of $5,000.
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abigail bought 28 shares of stock at $30.00 per share. she received dividend of $49.50 during the year. at the end of the year, her stock was valued at $43.50 per share. what was her ROI?
Answers
If her stock was valued at $43.50 per share. Her ROI is:50.89%
Return on investmentFirst step
Purchase price=(28×$30)-(28×$43.50)
Purchase price= $840-$1218
Purchase price=$378
Gain in value=$378+ $49.50
Gain in value=$427.5
Second step
ROI=$427.5/$840×100
ROI=50.89%
Therefore the ROI is $15.89%.
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An advantage of a corporation is that
A. owners pay fewer taxes than owners of other forms of business.
B. the business is subject to little government intervention.
C. owners have limited liability for debt.
D. owners have direct and immediate control over daily management of the business.
Answers
Answer:
C. Owners have limited liability for debt
Describe the population distribution in Guyana
Answers
More than 70 percent of Guyana's coastal population is rural, living on plantations or in villages strung along the coastal road. The villages range in size from several hundred to several thousand inhabitants. The layout of the villages is dictated by the drainage and irrigation systems of the plantations, both active and abandoned. The villages are most heavily concentrated along the estuary of the Demerara River and the eastern environs of Georgetown, near the mouth of the Berbice River close to New Amsterdam, and along the extreme east coast near the Courantyne River.
The pattern of population distribution in Guyana is a product of nineteenth-century economic development, which was based on the cultivation of sugarcane. Because the swampy coast was fertile and sugar production was geared to export, the large sugar estates confined their operations to a narrow coastal strip. Most of the villages had ethnically diverse populations, but usually one ethnic group predominated. The urban population was predominantly African, but it would be misleading to suggest that all Afro-Guyanese were urban. Indeed, the majority of the Afro-Guyanese population was rural. A far greater majority of Indo-Guyanese, however, lived outside the cities. The interior of the country was left mainly to the Amerindians. Even the later exploitation of timber, bauxite, and manganese in the interior failed to effect any sizeable migration.
If you were describing the layout of Charleston, you would most likely use the _____ organizational pattern.
Answers
The best organizational pattern to use when describing the layout of Charleston is spatial development because it will trace the origin of the layout.
What is an organizational pattern?An organizational pattern refers to a process that assists in structuring and organizing of one's thoughts, speech, ideas or presentation for an optimal impact on the audience.
Some type of organizational pattern includes:
chronological orderorder of importancecompare and contrastcause and effectbiographicalspatial developmentIn conclusion, the best organizational pattern to use when describing the layout of Charleston is spatial development because it will trace the origin of the layout.
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Funding the nest egg shortfall AaAa? Determining Retirement Shortfall Ryan and Rebecca are taking a personal finance course. They have calculated their projected retirement income and investment needs. Based on their calculations and taking into account their Social Security and pension incomes, they have a projected shortfall of $5,250.00 per year. They have 30 years to retirement. The impact of the inflation factor Continuing their worksheet, they consult a friend, economics professor Dr. Garcia, who believes that they can expect the average annual inflation rate to be 5%, possibly 696 tops. Calculate their inflation-adjusted annual shortfall at 5%. Then recalculate the shortfall based on the top rate provided by Dr. Garcia. Inflation-adjusted annual shortfall at 5%; Inflation-adjusted annual shortfall at 6% $ You can use the following dropdown menu to identify the necessary future value interest factors. Future Value Interest Factors
Answers
1, Inflation-adjusted annual shortfall at 5%: $22,676.21 2, Inflation-adjusted annual shortfall at 6%: $30,136.46
To find the exact values for the inflation-adjusted annual shortfalls at 5% and 6% inflation rates, we can calculate them using the formulas mentioned earlier:
Inflation-adjusted annual shortfall at 5%:
Inflation-adjusted annual shortfall at 5% = $5,250 × (1 + 0.05)³⁰
= $5,250 × (1.05)³⁰
= $5,250 × 4.321935
= $22,676.21
Inflation-adjusted annual shortfall at 6%:
Inflation-adjusted annual shortfall at 6% = $5,250 × (1 + 0.06)³⁰
= $5,250 × (1.06)³⁰
= $5,250 × 5.743497
= $30,136.46
Therefore, the exact values for the inflation-adjusted annual shortfalls at a 5% inflation rate and a 6% inflation rate are $22,676.21 and $30,136.46, respectively.
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Explain one way in which challenges to an elite class affected political or economic structures.
Answers
The height of China's political and social structure is between 1450 and 1750,
when the final two dynasties were in power. The ensuing arguments can be used to support the questions:1. Similarities in classes were observed between the social structures in China and China during the Qing Dynasty, which occurred between 1450 and 1750.
2. The political environment changed throughout the period between 1450 and 1750, which had an impact on political or economic institutions. The king had control over the subjects, but this was frequently contested.
3. Leaders like kings and other monarchs were able to endure challenges because they had complete control over their realm, which gave them the freedom to do pretty much anything they pleased and made it much harder for insurgents to overthrow them.
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Acme Battery distributes its batteries to warehouses, where they are stored until ordered by a retailer. The warehouses are located close by the retail markets served. This is the logistics channel approach to logistics.
a. true
b. false
Answers
Answer to your question:
B, false.
Answer:
B
Explanation:
Q. 2:- Choose the correct answer :-
1-The muslim must belive that the seal of the Prophets and the
Messenger of Allah is
a) Musa (A.S.)
b) lyaas (A.S.)
c)Muhammed (S.A.W.)
2-The dominating book over all other heavenly Books is
a) At-Taurat
b) Al- Quran
C) Al- Injeed
3- Whoever believes that the Quran is not the last heavenly book sent
down is regarded as
a)An Outsider of the religion of Islam.
b)A muslim.
c)A weak of faith.
Answers
Answer:
1) Muhammad (S.A.W)
2) Al- Quran
3) A muslim
if goods in transit are shipped fob destination question 14 options: a) the buyer has legal title to the goods until they are delivered. b) the transportation company has legal title to the goods while the goods are in transit. c) the seller has legal title to the goods until they are delivered. d) no one has legal title to the goods until they are delivered.
Answers
If goods in transit are shipped FOB destination, it means that the seller has legal title to the goods until they are delivered to the buyer's specified destination. This means that the seller bears the risk of loss or damage to the goods until they are delivered, and the buyer assumes ownership and responsibility once the goods have arrived at the destination.
FOB destination also means that the transportation company is acting as an agent for the buyer, rather than owning legal title to the goods. This is because the buyer typically contracts with the transportation company directly to transport the goods to their destination, and the seller has no control or ownership over this process. In summary, if goods are shipped FOB destination, the seller has legal title to the goods until they are delivered, and the transportation company acts as an agent for the buyer during the transit process. It is important for both the buyer and seller to clearly understand these terms and their respective responsibilities to ensure a smooth and successful transaction.
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marshall hopes to earn $700 in interest in 2.2 years time from $14,000 that he has available to invest. to decide if it's feasible to do this by investing in an account that compounds quarterly, he needs to determine the annual interest rate such an account would have to offer for him to meet his goal. what would the annual rate of interest have to be? round to two decimal places.
Answers
The annual rate of interest for Marshall to meet his goal is 2.2%.
How to calculate the annual rate of interestIt's important to note that the formula for the compound interest will be:
Final value = P(1 + r/n)^nt
where,
P is the initial value
r is the rate of interest
n is the number of times interest compounding annually
t is the time period
We have given,
initial value = $ 14000
final value = $ 14000 + 700 = $ 14700
t = 2.2 years
n = 4 because interest is compounding quarterly that is 4 times in a year.
We need to find the interest rate and this will be:
Final value = P(1 + r/n)^nt
14700 = 14000(1 + r/4)^(4 × 2.2)
Dividing through by 14000
1.05 = (1 + r/4)^8.8
Solving for r is 2.22%
Therefore, the interest rate is 2.2%.
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The law of supply tell us there is a negative, or inverse relationship between:_____.
a. the price of a good and the quantity supplied.
the higher the price, the lower the quantity supplied.
that as the price of a good increases, producers will increase the quantity supplied.
the positive relationship between the price of a good and quantity demanded by consumers.
Answers
Explanation:
the positive relationship between the price of a good and quantity demanded by consumers.
I NEED AN ANSWER REALLY QUICK Why should I take personal finance
Answers
Answer:
Personal finance skills help you to understand how much you earn, what are your monthly expenses, and help you budget within that income.
Explanation: