What are the rights of the consumer who does business with merchants in PR and/or foreigners? How do they differ if they are transactions through electronic commerce? What risks are there of identity theft and how can we protect ourselves, in each of the above scenarios?
What process(es) or forms do you need to complete, what are the applicable regulations (laws/rules), what can you claim and help(s) you can get?
Answers
Consumer rights when doing business with merchants, whether in Puerto Rico (PR) or with foreign merchants, are generally governed by consumer protection laws and regulations. These rights may vary depending on the jurisdiction and specific laws in place. When it comes to transactions through electronic commerce (e-commerce), additional considerations come into play.
In PR, consumer rights are protected under the Consumer Affairs Department (DACO) and the Puerto Rico Consumer Protection Act. This legislation ensures consumers have the right to fair treatment, accurate information, product safety, refunds, and protection against deceptive practices. If a consumer feels their rights have been violated, they can file a complaint with DACO and seek resolution through mediation or legal proceedings.
When engaging in e-commerce transactions, consumers should be aware of potential risks, particularly related to identity theft. It's crucial to protect personal and financial information by using secure websites, ensuring the legitimacy of the merchant, and utilizing secure payment methods. Consumers can take measures such as using strong passwords, regularly monitoring their accounts for suspicious activity, and being cautious of phishing attempts.
In both scenarios, if a consumer encounters issues or disputes, they may need to complete a complaint form with the relevant consumer protection agency, such as DACO in PR or a similar regulatory body in their country. The applicable regulations will depend on the jurisdiction, including consumer protection laws and regulations specific to e-commerce.
Consumers have the right to claim a refund or replacement for faulty or misrepresented products, seek compensation for damages caused by a merchant's negligence, or file a complaint against deceptive practices. Seeking help from consumer protection agencies, contacting their financial institution for assistance, or consulting legal advice can provide support in resolving disputes.
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Related Questions
On January 1, Year 3, Orr Company bought a building with an assessed value of $220,000 on the date of purchase. There was no established exchange price for the building. However, Orr could either choose to give as consideration a $400,000 noninterest-bearing note due on January 1, Year 6, or give a 3 year, $250,000 note bearing 6% interest paid annually. The interest-bearing note requires one principal payment at the end of the note’s term plus periodic interest payments during the note’s term. The effective interest rate is 8%. What would be the change in interest expense on Orr’s Year 3 income statement if Orr chooses to give the interest-bearing note instead of the noninterest-bearing note?
Answers
The change in interest expense on Orr's Year 3 income statement would be $1,080.
The effective interest rate of 8% is the rate at which the present value of the future payments (principal + interest) is equal to $220,000. To calculate the change in interest expense, we need to find the effective interest expense for the noninterest-bearing note, which would have been charged if Orr had chosen it instead of the interest-bearing note.
Let's call the effective interest expense for the noninterest-bearing note "I". The present value of the noninterest-bearing note would be equal to $220,000, which is the price of the building.
We can use the formula for the present value of a single amount (future value) to find I:
$220,000 = $400,000 / (1 + I)^3
Solving for I:
I = (400,000/220,000)^(1/3) - 1 = 0.0511 or 5.11%
The change in interest expense on Orr's Year 3 income statement would be $12,500 - $220,000 x 5.11% = $12,500 - $11,420 = $1,080
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A popular american hamburger chain successfully entered the fast-food market in india by altering the menu to include vegetarian burgers instead of hamburgers made with beef. This example can best be described as.
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A popular American hamburger chain successfully entered the fast-food market in India by altering the menu to include vegetarian burgers instead of hamburgers made with beef. This example is Stimulus diffusion.
In stimulus diffusion, the diffusion in which one people receives a culture element from another but gives it a new and unique form. The stimulus diffusion is used by company which involve the transfer of an underlying concept or idea, without the specific accompanying traits due to some cultural or other barrier to the movement to the idea. The stimulus diffusion is adapted by hamburger to expand their goods as much as people with focus on their culture.
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A massive amount of ammonia gas has been accidentally released near your office. You have a room without windows and relatively tightly sealed doors. Should you shelter in place?
Select the best option.
Yes
No
Answers
The statement A massive amount of ammonia gas has been accidentally released near your office. You have a room without windows and relatively tightly sealed doors is true as you should shelter in place if a massive amount of ammonia gas has been accidentally released near your office and you have a room without windows and relatively tightly sealed doors.
Sheltering in place means staying indoors and creating a barrier between yourself and the outside environment to reduce exposure to hazardous material. A room with a tightly sealed door can provide a good barrier against the outside air and help to prevent the entry of hazardous gases.
It is important to follow any instructions given by emergency responders and to stay informed about the situation until it is safe to leave.
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In 500 words, describe how your family is conserving, reusing, and recycling resources. Also describe what more your family might do to protect the environment.
Answers
Reusing by using outfits or jeans that aren’t dirty and don’t deserve to be in the washer.Conserving by going to school.What you can do is turn off other peoples lights when they forget to.
Answer:
(Answers may vary.)
My family is conserving, reusing, and recycling resources in the following manners:
We keep a compost bin outside our house. We throw fruit peels and other natural wastes in the compost bin. These wastes decompose in the bin and turn into fertilizer eventually. We then use this as fertilizer for our garden, where we grow tomatoes, corn, cucumbers, watermelon, cantaloupes, and beans.
We use bicycles to travel wherever possible to prevent environmental pollution caused by the use of gasoline. We prefer to walk short distances. Walking helps our bodies exercise and helps save fuel too. When we take trips we usually take mass transit to save on gas. Our family carpools as often as possible to save on gas.
We believe in gifting memorable experiences to friends and family members on birthdays instead of articles such as toys or gadgets. Materials such as toys may deteriorate over time with repeated use, break, and add to wastes. However, experiences such as going hiking or visiting a museum remain with you for lifetime as pleasant memories.
We turn off the lights when not required or when nobody is present in a room. In the summertime, we keep the air conditioning at 79 degrees so that it is not overused. Whenever possible, we cool the house by opening the windows. We’ve planted trees around the house so that in the future, shade will be the primary source of cooling. In the winter, we keep the house cooler and dress warmly. Sometimes we have a wood fire to keep the house warm. We also turn computers and other appliances off when not in use.
We reuse the bottles containing fruit jams as containers. Whenever possible, we make our own jams and jellies. We also use the containers to hold small items such as nails, pushpins, and paper clips. We’ve converted some of these jars into piggybanks and also use them for crafts. My mother uses them as gifts sometimes by decorating them with ribbons and pretty fabric.
In order to protect the environment, we can additionally take below steps:
Plant trees in our neighborhood. Trees provide oxygen and improve the quality of the air. When the neighborhood has lots of trees, not only is the air quality improved, it provides shade to cool the homes. That way, air conditioning is not used as often.
Use carpooling to travel long distances such as to work or the store to control the use of automobiles. Many cities encourage the use of carpooling by providing high-occupancy-vehicle (HOV) lanes.
Grow herbs and vegetables in the backyard to eat fresh and healthy food as well as save energy on transportation. Transportation of food is a major cost and can lead to environmental harm. By growing our own food, we do our part in saving on transportation pollution.
Use recyclable materials for containers. By supporting companies that use recycled materials for packaging, we use our dollar vote to support the environmental efforts of these companies.
Explanation: Edementum
A ________ is someone who analyzes multiple, disparate data sources in order to discover insights that will provide a competitive advantage.
Answers
In the accounting equation, assets are equal to which two things?
A. Debits + equity
B. Debits + accounts
C. Liabilities + equity
D. Liabilities + accounts
Please select the best answer from the choices provided
A
B.
OOOO
С
D
Answers
Answer:
C. Liabilities + equity
Explanation:
Edg 2021 ...
what would happened is banking didnt exist? i really have no idea
Answers
Answer:
we wouldn't have loans to buy a house or a car. We wouldn't have paper money to buy the things we need. We wouldn't have cash machines to roll out paper money on demand from our account
Explanation:
one of the principal tasks of management is identifying and selecting appropriate goals and courses of action. this is referred to as
Answers
One of the four primary functions of management is planning, which is the process of identifying and choosing acceptable goals and routes of action.
Setting goals and choosing a course of action to achieve them are both part of the management task of planning. Managers must foresee future situations and be aware of the current environmental factors affecting their firm. Managers must also have strong decision-making skills.
Planning is simply thinking before doing something. It enables us to look into the future and choose in advance how to handle the problems we will face in the future. It requires logical reasoning and sound judgement.
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five years ago, cleanenergy corporation issued an 12% coupon per year (paid semi-annually), 25-year, aa-rated bond at its par value of $1000. currently, the annual yield to maturity (apr) on these bonds is 10%. what is the current price per bond?
Answers
The current price per bond is $12,732.95.
To calculate the current price of the bond, we need to calculate its present value, which is the value of all the future coupon payments and the return of the par value, discounted by the yield to maturity.
First, let's calculate the semi-annual coupon payment: \($1000 * 12% = $120\)
Next, we need to find the present value of each coupon payment and the return of the par value. To do this, we need to know the semi-annual discount factor, which is calculated as follows:
\(discount factor = 1 / (1 + yield to maturity / 2)^(number of periods)\)
where the number of periods is the number of semi-annual periods in the bond's life, which is 25 years * 2 = 50.
discount factor =\(1 / (1 + 10% / 2)^50 = 0.486\)
The present value of each coupon payment is the coupon payment divided by the discount factor: $120 / 0.486 = $246.41
And the present value of the return of the par value is the par value divided by the discount factor: $1000 / 0.486 = $2049.59
Finally, we add up the present value of all 50 semi-annual coupon payments and the present value of the return of the par value to get the current price of the bond: \($246.41 * 50 + $2049.59 = $12,732.95\)
So, the current price per bond is $12,732.95.
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Recent surveys have demonstrated that americans are willing to forego technological innovation and the availability of new technology in favor of universal health insurance coverage.
a. True
b. False
Answers
Recent surveys have demonstrated that Americans are willing to forego technological innovation and the availability of new technology in favor of universal health insurance coverage
This statement is false.
Universal health coverage means that all the people should have access to the health services which are needed by them. It also includes the full range of essential health services, including from health promotion to treatment, prevention, palliative care and rehabilitation.
Universal health coverage should always be based on strong, and primary health care. Good health systems generally have roots in the communities which are served by them.
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What will be the end result for the taxpayer who filed his federal income tax
return using the 1040EZ form shown below?
Answers
Answer:
I got " He Will Owe $180
Explanation:
A P E X
Answer: he will owe 250
Explanation:
What are the components of a logical block address?
Answers
The components of an LBA can vary depending on the type of storage device, but generally include Sector number, Head number, Cylinder number, and Device number.
A Logical Block Address (LBA) is a unique identifier for a block of data on a storage device such as a hard disk drive or solid-state drive. The components of an LBA can vary depending on the type of storage device, but generally include the following:
Sector number: The sector number is the position of the block within the track on the disk. Sectors are numbered consecutively from the outermost track to the innermost track.Head number: The head number is the position of the read/write head that reads or writes data on the disk. Most modern storage devices have multiple heads that can read or write data simultaneously.Cylinder number: The cylinder number is the position of the track on the disk. Cylinders are numbered consecutively from the outermost cylinder to the innermost cylinder.Device number: In some cases, the LBA may also include a device number to identify the specific storage device or array that the block of data is located on.These components are used together to create a unique identifier for each block of data on the storage device. The LBA is used by the operating system to access data on the disk and is often used by disk utilities and other tools to diagnose and repair disk errors.
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The property taxes on a business office were $1650. What was the tax rate if the business office was valued at $165,000
Answers
The tax rate for the business office valued at $165,000 is 1%.
To find the tax rate, we can divide the property taxes by the value of the business office. In this case, the property taxes are given as $1650, and the value of the office is $165,000.
To calculate the tax rate, we divide the property taxes by the office value:
Tax Rate = Property Taxes / Office Value
Tax Rate = $1650 / $165,000
Now, let's simplify this fraction. We can divide both the numerator and denominator by 165 to simplify it further:
Tax Rate = $10 / $1000
Next, we can simplify the fraction by dividing both the numerator and denominator by 10:
Tax Rate = $1 / $100
Finally, we can express the tax rate as a percentage by multiplying the fraction by 100:
Tax Rate = 1/100 * 100 = 1%
Therefore, the tax rate for the business office is 1%.
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Nathan bought 200 shares of stock at $40 per share ($8,000 total). He paid $5,000 in cash and borrowed $3,000 from the brokerage firm. The loan has an annual interest rate of 6 percent.
Six months later, the stock’s current price is $38 per share. If Nathan sells now, he will pay a commission of $160 and will have to repay the loan. If he sells now, he will lose $ __.00
Answers
If Nathan sells now, after paying a commission of $160 and margin account interest of $90, he will lose $650.
What is buying on margin?Buying on margin is a situation when an investor buys an asset by borrowing the balance from the brokerage firm.
With buying on margin, the investor pays part of the investment cost while the remaining is met by the broker.
Data and Calculations:Cost of 200 shares at $40 per share = $8,000
Investor's cash = $5,000
Margin purchase = $3,000
Interest rate = 6%
Interest amount = $90 ($3,000 x 6% x 1/2)
Commission = $160
Total amount spent = $8,250 ($8,000 + $90 + $160)
Total amount realized from sale = $7,600 ($38 x 200)
Loss from sale = $650 ($7,600 - $8,250)
Thus, if Nathan sells now, after paying a commission of $160 and margin account interest of $90, he will lose $650.
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When you match all payments, deposits, and other transactions listed in your bank statement to your personal checkbook register, that process is called ______________ a bank statement.
Answers
The best way to approach charitable giving is to A donate to the first charity that requests it. B not spend a lot of time researching it. C consider what causes are important to you. D not include it in your budget.
Answers
Answer:
C consider what causes are important to you
Explanation:
Givings creates a feeling of joy and satisfaction to both the giver and receiver. When considering charity work, it is crucial to focus on areas you are passionate about. Choose a course that draws your attention. By doing this, your donations will not go far in helping someone else, but they will also leave feeling worthy and satisfied.
what type of work are performed by jobzs
Answers
Answer:
find out the nouns from the picture below and write on the box
GUYS PLEASE HELP ME!!!!!20 POINTS!!!!
Select the communication type that is being used in the following example.
Two co-workers near the copy machine are discussing the upcoming company meeting.
external formal communication
external informal communication
internal formal communication
internal informal communication
Answers
Answer:
exchange of information between people; the sending and receiving of messages. Communication can be separated into two groups verbal and non-verbal and again into formal or informal communications, an example of verbal and formal meaning communication is being conducted in a professional manner that's direct meaning face to face.
Explanation:
in a quiz for Marks and given for correct answer and negative marks are given for incorrect answer if Jacks score 20 five successive rounds 25,-5,-10,15 and 10, what was total at the end
Answers
Answer:
35
Explanation:
I believe he has 35 marks at the end but I could be wrong.
Which important biochemical process receives a supply of nad ions from the fermentation process during anaerobic respiration?
Answers
Answer:
Glycolysis
Explanation:
Glycolysis is the process that receives a supply of NAD+ ions from the fermentation. When cells need energy but there is no oxygen for aerobic respiration than anaerobic respiration takes place.
Mr. X invests $1,000 at a 10% nominal rate for one year. If the inflation rate is 4%, what is the real value of the investment at the end of one year?
$1,058
$1,040
$1,000
$1,100
Answers
The real value of the investment at the end of one year is $1,058.
To find the real value of an investment, we need to adjust for inflation. We can do this by using the following formula:
Real value = Investment* (1+Nominal rate) / (1 + Inflation rate)
In this case, the nominal value is $1,000 and the inflation rate is 4%, or 0.04. Plugging these values into the formula, we get:
Real value = ($1,000 * 1.10) / (1 + 0.04)
Real value = $1,100 / 1.04
Real value = $1,057.69 (nearly equal to $1058)
The real value of the investment is $1,058.
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To change gross income, someone would need to
save more per month.
reduce deductions.
earn more money.
increase with holdings.
Answers
Answer:
i need that one too
Explanation:
___ systems report on various segments or business units of the company.
Managerial Accounting
Budget
Controlling
Creditors
Answers
Managerial Accounting systems provide information on numerous business divisions or sectors inside the firm. The right response in this case is option A.
Managerial accounting is a type of accounting that provides financial information to internal stakeholders, such as managers and employees, to help them make decisions and manage the operations of the company.
Managerial accounting systems provide information on various segments or business units of the company, such as sales, production, and marketing, to help managers understand the performance of different parts of the business. This information is often used to develop budgets, control costs, and improve efficiency.
Budgeting refers to the process of creating financial plans for future activities, it is an important aspect of managerial accounting.
Complete question:
___ systems report on various segments or business units of the company.
A - Managerial Accounting
B - Budget
C - Controlling
D - Creditors
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how are 5s concepts applied at this step? how does this help achieve your objective? what letter were you able to get to in the time alotted?
Answers
Concepts are applied by using them to understand and analyze situations, make decisions, and solve problems.
Applying concepts helps achieve objectives by providing a framework for thinking and decision-making, allowing for more effective and efficient problem-solving.
What is Word World?
September is National Courtesy Month. What is a synonym for courtesy?
Give two examples of how you show courtesy to other
Answers
here is some examples I hope it helps
30 POINTS :D
If someone you don't know asks where you go to school, what should you do?
A. Don't respond
B. See if they're a friend of a friend
C. Ask why they want to know
D. Lie to them
Answers
A person who fails to make loan payments on time is likely to face which
consequence?
A. Paying higher interest rates on future loans
B. Having his or her credit score greatly increased
C. Being arrested and charged with bank fraud
D. Being given a lower debt-to-income ratio
Answers
A person who fails to make loan payments on time is likely to face the consequence of paying higher interest rates on future loans. The correct option is A.
When a borrower fails to make loan payments on time, it can negatively affect their credit score. This can make it harder to obtain future loans or credit cards, and lenders may charge higher interest rates to compensate for the increased risk of lending to someone with a lower credit score.
It is important to note that failing to make loan payments on time does not typically result in being arrested and charged with bank fraud. However, it is important to communicate with the lender and work out a plan for repayment to avoid further consequences such as defaulting on the loan or having the loan sent to a debt collection agency.
Thus, the ideal selection is option A.
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differentiate between primary and secondary wants
Answers
Answer:
Difference between primary needs and secondary needs: Primary needs: The primary needs are the basic requirements according to biological demands like oxygen for breathing, water for overcoming thirst, food for living and shelter. The secondary needs are the needs that remain even after the primary needs are satisfied
A company wants to purchase a machine that has the following probable cash flows. It is expected to have a useful life of 10 years and a MARR of 5%. Determine the expected value of the NPW of the machine. The first cost is $32,000 [3 points]
Answers
The expected value of the NPW of the machine is $124,480.17.
To determine the expected value of the NPW of the machine, we need to calculate the present worth of the cash flows and subtract the initial cost. Given that the machine has a useful life of 10 years and a MARR of 5%, we can use the present worth formula:
PW = F/(1+i)^n
where PW is the present worth, F is the future cash flow, i is the MARR, and n is the number of years.
Using this formula, we can calculate the present worth of the cash flows for each year:
Year 1: PW = 10,000/(1+0.05)^1 = $9,523.81
Year 2: PW = 12,000/(1+0.05)^2 = $10,851.84
Year 3: PW = 14,000/(1+0.05)^3 = $12,281.05
Year 4: PW = 16,000/(1+0.05)^4 = $13,808.16
Year 5: PW = 18,000/(1+0.05)^5 = $15,429.66
Year 6: PW = 20,000/(1+0.05)^6 = $17,142.31
Year 7: PW = 22,000/(1+0.05)^7 = $18,943.04
Year 8: PW = 24,000/(1+0.05)^8 = $20,828.98
Year 9: PW = 26,000/(1+0.05)^9 = $22,797.47
Year 10: PW = 28,000/(1+0.05)^10 = $24,845.05
Adding up all the present worth values, we get:
PW = $156,480.17
Finally, we subtract the initial cost of $32,000:
Expected NPW = PW - Initial cost
Expected NPW = $156,480.17 - $32,000
Expected NPW = $124,480.17
Therefore, the expected value is $124,480.17
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Who owns the TD bank? Is it the government?