What enhancements might encourage more people to embrace e-commerce and/or m-commerce?

Answers

Answer 1

To encourage more people to embrace e-commerce and/or m-commerce, enhancements such as improved website and app interfaces, enhanced security measures, personalized shopping experiences, and reliable customer support can be implemented.

E-commerce and m-commerce have become increasingly popular, but there are still ways to encourage more people to embrace these platforms:

Improved website and app interfaces: Enhancing user interfaces to be intuitive, visually appealing, and user-friendly can make the online shopping experience more enjoyable and accessible to a wider audience. Streamlined navigation, clear product information, and responsive designs can improve usability.

Enhanced security measures: Addressing security concerns is crucial to building trust among potential users. Implementing robust security measures, such as secure payment gateways, encryption technologies, and strong data protection protocols, can help alleviate concerns about privacy and online fraud.

Personalized shopping experiences: Providing personalized recommendations, tailored promotions, and customized product suggestions based on individual preferences and browsing history can enhance the shopping experience and make it more engaging.

Reliable customer support: Prompt and helpful customer support channels, such as live chat, email, or phone assistance, can address any queries or concerns that customers may have, providing them with a positive shopping experience and boosting their confidence in using e-commerce or m-commerce platforms.

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Mailin Moon is a freelance writer who submits articles to various magazines and newspapers. She operates out of a small office where she employs one administrative assistant. The following activities occurred during March 2020, her first month of business: a. Moon invested $2,500 worth of equipment into her business along with $3,000 cash. b. Submitted a series of articles to The Globe and Mail and received $6,500 cash. c. Purchased supplies on credit; $600. d. Paid the part-time administrative assistant's salary of $1,450. e. Moon ordered $3,000 of office equipment from the IKEA catalogue. It is scheduled to arrive in April or May. f. Paid the rent for the first month; $1,400. g. Submitted an article to Report on Business, will receive $4,500 next month. 1. Prepare an income statement. 2. Prepare a statement of changes in equity. 3. Prepare a balance sheet. Analysis Component: Based on the ending balances of assets in the month end balance sheet Identify which assets were financed by a. Liabilities, b. Owner investment and c. Profit/Owners' equity. Also identify the amount(s) for each.

Answers

The total owner's equity of $13,050 represents the amount invested by the owner and the accumulated profit from the activities in March.

Mailin Moon, a freelance writer, had several business activities in March 2020. She invested equipment and cash into her business, received cash from article submissions, purchased supplies on credit, paid the salary of her administrative assistant, ordered office equipment, paid rent, and submitted an article for future payment. The task requires the preparation of an income statement, statement of changes in equity, and balance sheet. Additionally, an analysis is needed to determine which assets were financed by liabilities, owner's investment, and profit/owner's equity.

1. Income Statement for March 2020:

Revenue:

- The Globe and Mail (cash received): $6,500

- Report on Business (expected next month): $4,500

Total Revenue: $11,000

Expenses:

- Supplies (purchased on credit): $600

- Salary expense: $1,450

- Rent expense: $1,400

Total Expenses: $3,450

Net Income: $11,000 - $3,450 = $7,550

2. Statement of Changes in Equity for March 2020:

Owner's Equity, beginning: $0

Investment:

- Equipment: $2,500

- Cash: $3,000

Total Investment: $5,500

Net Income: $7,550

Total Owner's Equity: $5,500 + $7,550 = $13,050

3. Balance Sheet as of March 31, 2020:

Assets:

- Equipment: $2,500

- Supplies: $600 (current asset)

- Cash: $6,550 (including the initial $3,000 investment)

Total Assets: $9,650

Liabilities:

- None

Owner's Equity: $13,050

Analysis:

Based on the ending balances of assets in the balance sheet, all assets in this case are financed by owner's equity (owner investment and profit). There are no liabilities reported. The total owner's equity of $13,050 represents the amount invested by the owner and the accumulated profit from the activities in March.

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Loose-end, Inc., had additions to retained earnings for the year just ended of $642,000. The firm paid out $45,000 in cash dividends, and it has ending total equity of $7.37 million. The company currently has 740,000 shares of common stock outstanding. If the stock currently sells for $30.70 per share, what is the price-earnings ratio?

Answers

If the stock currently sells for $30.70 per share, the price-earnings ratio will be  approximately 37.984.

To calculate the price-earnings ratio, we need to determine the earnings per share (EPS) and then divide the stock price by the EPS.

Given information:

Additions to retained earnings: $642,000

Cash dividends paid: $45,000

Ending total equity: $7.37 million

Number of shares outstanding: 740,000

Stock price: $30.70 per share

First, let's calculate the net income:

Net Income = Additions to Retained Earnings - Dividends Paid

Net Income = $642,000 - $45,000

Net Income = $597,000

Next, let's calculate the earnings per share (EPS):

EPS = Net Income / Number of Shares Outstanding

EPS = $597,000 / 740,000 shares

Now, let's calculate the price-earnings ratio (P/E ratio):

P/E Ratio = Stock Price / EPS

P/E Ratio = $30.70 / (Net Income / Number of Shares Outstanding)

Substituting the values:

P/E Ratio = $30.70 / ($597,000 / 740,000 shares)

Calculating the P/E ratio:

P/E Ratio = $30.70 / $0.807 (rounded to 3 decimal places)

P/E Ratio = 37.984 (rounded to 3 decimal places)

Therefore, the price-earnings ratio is approximately 37.984.

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Star Health, Inc. is a fitness center in Oklahoma City. In October, the company earned $550,000 in revenues and incurred the following operating costs from 300 customers Manager's Salary Gym Rent Depreciation Expen Office Supplies Expense Utilities Expense Trainer's Salary $5,000 1,700 8,000 2,400 1,600 23,000 se-Equipment How much is the unit cost per customer? (Round your answer to the nearest cent.) OA. OB. OC. $93.33 $139.00 $19.00 $1,833.33 D.

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To calculate the unit cost per customer, we need to divide the total operating costs by the number of customers.

Total operating costs = Manager's Salary + Gym Rent + Depreciation Expense + Office Supplies Expense + Utilities Expense + Trainer's Salary + Lease Equipment Expense = $5,000 + $1,700 + $8,000 + $2,400 + $1,600 + $23,000 +$13,000  = $54,700

Number of customers = 300

Unit cost per customer = Total operating costs / Number of customers

                     = $54,700 / 300

                     ≈ $182.33

Rounding to the nearest cent, the unit cost per customer is $182.33.

Therefore, the correct answer is Option A: $182.33.

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Discuss the three categories of start up capital​

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There are three startup stages: early-stage, venture-funded (growth) stage and late stage. moving from early-level to venture-funded (increase) level is well delineated, however different phases are only loosely described.

Startup capital is the money raised through an entrepreneur to underwrite the expenses of a assignment till it begins to turn a earnings. venture capitalists, angel investors, and conventional banks are a number of the assets of startup capital. An ordinary startup journey has three tiers — ideation, increase, and expansion. At every level, startups tend to perform a extensive variety of activities that help them develop. every successful startup pursuits to minimise the time taken to advance from one degree to the opposite. raising begin-up capital is an crucial part of developing your own business as an entrepreneur. When you are dedicated to the idea of your agency you will need investment to get started. This investment is referred to as startup capital. Startup capital is the gasoline that feed the hearth and every enterprise needs capital. so that you can rent space, buy system, increase new merchandise, and market or sell your carrier, you may want some shape of capital. Startup capital gives you a way to launch your commercial enterprise and provide for those prices until you begin bringing in sales.

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assume that all employees in an industry receive a raise based on a new labor contract. how will this raise affect the product market for the product that these employees manufacture? group of answer choices market demand will increase. output will rise. market supply will increase. market supply will decrease.

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Assume that a new labor contract calls for pay increases for all workers in a certain industry. Because of the rise in supply, there will be less of a market for the goods that these people make.

A labor contract is an agreement that controls pay, working conditions, and other factors between management and the staff of a business or organization.

The market where finished goods or services are sold to enterprises and the public sector is referred to as the "product market" in economics. Instead of dealing with raw materials or other intermediate resources, it concentrates on selling finished goods. Although they are related, the "labor market" and "financial market" are not the same.

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Whose permission do you need to write or arrange pieces that are Traditional or in the Public Domain? I said copyright owner but my teacher says I’m wrong

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Answer:

Explanation:

She's right, but you have a nice thought. It is always a good idea to try to give credit where credit is due.

Public Domain refers to written material that no one has a lien on. No one owns the copywrite. No one holds any claim on the material at all. So there is no need to try and get permission because no one is listed to get the permission from.

If you have a cell phone that does just about everything but make coffee in the morning, you can download an app called free books. Some are very good. They are all in public domain.

Novak Corp. Has accounts receivable of $90,300 at March 31, 2022. Credit terms are 2/10, n/30. At March 31, 2022, there is a $2,284 credit balance in Allowance for Doubtful Accounts prior to adjustment. The company uses the percentage-of-receivables basis for estimating uncollectible accounts. The company's estimates of uncollectibles are as shown below.

Answers

Answer:

Allowance for doubtful accounts balance as at March 31st 2022 is $10,056.

Explanation:

Novak Corp. already have a balance of $2,284 in allowance for doubtful account.

The increase in allowance for doubtful account is calculated as follows.

$61,700 * 2% = $1,234

$12,600 * 5% = $630

$9,200 * 28% = $2,576

$6,800 * 49% = $3,332

Total = $7,772

$7,772 + $2,284 = $10,056

Ethical standards in business are principles or codes for how a business conducts itself with ___, customers, and the public.

A. Other businesses
B.Employees
C.the government
D.charity organizations

Answers

Answer:

B. Employees

Explanation:

The correct answer is B)Employee’s hope this helps.

BSU Inc. wants to purchase a new machine for $29,300, excluding $1,500 of installation costs. The old machine was bought five years ago and had an expected economic life of 10 years without salvage value. This old machine now has a book value of $2,000, and BSU Inc. expects to sell it for that amount. The new machine would decrease operating costs by $7,000 each year of its economic life. The straight-line depreciation method would be used for the new machine, for a six-year period with no salvage value.Instructions
a. Determine the cash payback period.
b. Determine the approximate internal rate of return.
c. Assuming the company has a required rate of return of 10%, state your conclusion on whether the new machine should be purchased.

Answers

C I believe is the answer sorry if wrong

For a given inflation rate, if concerns about future weakness in the economy cause businesses to reduce their spending on new capital, then the ______ shifts _____.aggregate demand curve; left

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When changes in projected expenditure occur that are not brought on by adjustments in output or inflation rate, the aggregate demand curve moves.

Which of the subsequent will cause the aggregate demand curve to shift to the left?Aggregate demand would be reduced and the aggregate demand curve would be moved to the left if any of the components decreased. Consumption and investment will decline in response to a decline in consumer and corporate confidence, which will lower aggregate demand and cause the aggregate demand curve to shift to the left.In a long-run equilibrium, the inflation rate is steady, and the production is equal to the potential output. When the AD curve, SRAS line, and LRAS line all come together at one point, long-run equilibrium is depicted graphically.            

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Municipal general obligation bonds are ____.
a. always subject to federal taxes; always exempt from state and local taxes.
b. supported by the municipal government's ability to tax; supported by the municipal government's ability to tax.
c. typically zero-coupon bonds; typically zero-coupon bonds.
d. supported by the municipal government's ability to tax; supported by revenue generated from the project.

Answers

The municipal obligation bond supported by the municipal government's ability to tax; supported by revenue generated from the project.

What is Municipal bond?

Municipal bond can be define as a form of debt or tax security which is normally issued by either a state or country and even municipality in order to provide financial assistance to it's capital expenditure including schools, bridges or highways.

General obligation bondsare municipal bonds which provide a way for state and local governments finance projects that may not generate a revenue .

Therefore, The municipal obligation bond supported by the municipal government's ability to tax; supported by revenue generated from the project.

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he proper level of government intervention is unclear when dealing with a monopoly. a. true b. false

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It is completely inappropriate to mention that the proper level of government intervention is unclear when dealing with a monopoly enterprise. Therefore, the statement given above is false.

A monopoly can be referred to or considered as a form of an enterprise which owns a dominating position in the industry that it belongs, because there is less to zero competition for such a firm in the economy. The government might intervene in the operations of a monopoly enterprise with respect to the regulations being updated from time to time.

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One argument to support the reason why businesses avoid wage cuts is a. fear of reduced profits.
b. that the industry won't support the cuts.
c. it may lead to increased unemployment.
d. it may depress morale and hurt the productivity of existing workers.

Answers

One argument to support the reason why businesses avoid wage cuts is "d. it may depress morale and hurt the productivity of existing workers.

Businesses are hesitant to cut employee salaries for several reasons.

One of these reasons is that it might lower morale and harm the productivity of current staff.

When employees are paid less, their morale can suffer, causing them to feel dissatisfied, unappreciated, and undervalued.

Their productivity can also take a hit, as they may be more likely to become disengaged from their job responsibilities.

The fear of decreased profitability is another reason that businesses avoid wage cuts. When employees are paid less, they are more likely to look for alternative employment opportunities, which can result in a high turnover rate for a business.

Additionally, if workers are dissatisfied with their salaries, they may be less motivated to perform their jobs to the best of their abilities.

This can affect the quality of work produced and, in turn, harm a company's bottom line.

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Joseph is trying to select a new couch for his living room. As he looks at each couch at the furniture store, he tries to visualize how it would look in his living room at home. Joseph is using _____ to help him determine which couch to buy

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Joseph is using visualization to help him determine which couch to buy.

Joseph's process of visualization plays a crucial role in helping him determine which couch to buy for his living room. As he explores each couch at the furniture store, he actively engages his imagination to envision how it would look in his own living room. This mental exercise allows him to mentally place the couch within the context of his home environment, considering factors such as size, color, style, and how it complements his existing decor.

By visualizing the couch in his living room, Joseph can gauge whether it will harmonize with the overall aesthetic and layout of the space. He considers how the couch will fit in terms of dimensions, ensuring it neither overwhelms nor gets lost in the room. Joseph takes into account the color scheme, contemplating whether the couch will be a complementary or contrasting element within the existing palette.

Furthermore, visualization enables Joseph to assess the functionality and practicality of each couch. He imagines himself and his family members sitting, lounging, or entertaining on the couch, considering aspects like comfort, seating capacity, and usability. Joseph also envisions the placement of the couch, mentally arranging and rearranging furniture in his living room to find the optimal configuration.

Through this visualization process, Joseph is able to mentally project and assess the potential outcome of each couch in his living room. This aids him in making an informed decision based on his preferences, lifestyle, and the specific needs of his living space. By relying on his imaginative faculties, Joseph ensures that the chosen couch not only meets his aesthetic preferences but also seamlessly integrates into his living room, creating a cohesive and visually appealing environment.

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Andre is a manager at a pizzeria in town, and wants to determine whether the demand for pepperoni pizzas is elastic or inelastic. Over the last several months, he has been adjusting the prices of pepperoni pizza, and has information on sales and total revenue. When Andre charged $10 per pizza, he sold 70 pizzas. When he cut the price to $9, he sold 73 pizzas. Since revenue , Andre knows that demand is .

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When Andre cut the price to $9, he sold 73 pizzas. Since revenue declined, Andre knows that demand is price-inelastic.

   As given, Andre is a manager at a pizzeria in town, and wants to determine whether the demand for pepperoni pizzas is elastic or inelastic. In the last several months, he has been adjusting the prices of pepperoni pizza and has information on sales and total revenue.

When Andre charged $10 per pizza, he sold 70 pizzas. When he cut the price to $9, he sold 73 pizzas. Given that he knows the revenue, it is possible to know if the demand is elastic or inelastic.

     Price Elasticity of Demand can be defined as the percentage change in quantity demanded that results from a 1 percent change in price while holding all other variables constant.

The formula for Price Elasticity of Demand (PEoD) is:

Percentage change in quantity demanded = (new quantity demanded - initial quantity demanded) / initial quantity demanded × 100

Percentage change in price = (new price - initial price) / initial price × 100

PEoD = percentage change in quantity demanded / percentage change in Price Now, let's determine if demand is elastic or inelastic. When Andre charged $10 per pizza, he sold 70 pizzas.

Total revenue = Price * Quantity = 10 * 70 = $700

When he cut the price to $9, he sold 73 pizzas.

Total revenue = Price * Quantity = 9 * 73 = $657

By using the formula of the percentage change in quantity demanded and the percentage change in price, we can find that:

Percentage change in quantity demanded = [(73 - 70) / 70] × 100 = 4.29

Percentage change in price = [(9 - 10) / 10] × 100 = -10

Price elasticity of demand PEoD = (4.29 / -10) = -0.429

PEoD has a negative value, indicating that the demand for pepperoni pizza is price-inelastic. This means that the percentage change in quantity demanded is less than the percentage change in price.The answer is:When Andre cut the price to $9, he sold 73 pizzas. Since revenue declined, Andre knows that demand is price-inelastic.

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Select the word or phrase that accurately completes each sentence.

Pressing the Backspace key will delete the text on the .

Pressing the Delete key will delete the text on the .

Answers

Answer:

Pressing the backspace key will delete the text on the leftPressing the delete key will delete the text on the right

Explanation:

Can anyone help me?
Saving money allows u to set more aside in a(n) ____ fund

Emergency
Bond
Exchange

Can anyone help me? Saving money allows u to set more aside in a(n) ____ fund Emergency BondExchange

Answers

Answer:

Saving money allows you to set more aside in an Emergency fund.

Jean owns a printing company. She had 100 customers at the end of the third quarter, 101 customers at the beginning of the third quartes, and five new
customers in the third quarter. What is her customer retention rate for the third quarter?
OOOO

Answers

Customer retention rate for the third quarter is 94.06%

The formula below is used to calculate customer retention rate.

Customer retention rate (CRR) = {Customers at the end(E) - Customers acquired during the period(N) / Customers at the start(S)}  * 100

CRR = {(E-N)/S)} x 100

CRR = {(100 - 5) / 101} * 100

CRR = {(95) / 101} * 100

CRR = 94.06%

Therefore, customer retention rate for the third quarter is 94.06%

Answer: 94%

Explanation:

CRR = (end-new)/start

A producer of consumer products offers a three year double-your-money back guarantee over a limited marketing area and collects the failure data tabulated below. aMake a nonparametric plot of R(t (b) Fit the data to a Weibull distribution and estimate the parameters (c Fit the data to a lognormal distribution and estimate the parameters. (d) Does the Weibull or the lognormal distribution yield the better fit? Quarter sold: W92 5 92 592 F92 Number sold: 842 972 1061 Number failed: S93 F93 W94 S94 S 94 F94 1014 1036 1185 1125 1205 1300 W92 S92 S92 F92 11 42 33 32 32 27 34 42 27 26 21 25 22 42 21 39 45 37 43 35 38 18 42 35 32 35 26 29 18 36 27 31 26 54 51 50 46 46 40 43 41 19 38 39 34 37 32 33 29 22 43 39 39 36 37 20 43 40 50 19 38 48 44 41 42 41 35 45 35 W94 S94 S94 F94 26 44 87 46 49 24

Answers

A double-your-money-back guarantee offered by a manufacturer of consumer goods in a limited marketing area was used to gather the following failure data.

(a) Make a nonparametric plot of R(t).

(b) Fit the data to a Weibull distribution and estimate the parameters.

(c) Fit the data to a lognormal distribution and estimate the parameters.

(d) Quarter sold: W92 5 92 592 F92Number sold: 842 972 1061Number failed: S93 F93 W94 S94 S 94 F94 1014 1036 1185 1125 1205 1300 W92 S92 S92 F92 11 42 33 32 32 27 34 42 27 26 21 25 22 42 21 39 45 37 43 35 38 18 42 35 32 35 26 29 18 36 27 31 26 54 51 50 46 46 40 43 41 19 38 39 34 37 32 33 29 22 43 39 39 36 37 20 43 40 50 19 38 48 44 41 42 41 35 45 35 W94 S94 S94 F94 26 44 87 46 49 24To start with the first part, we can get the failure rate R(t) using the below formula: R(t) = (number of units failed at time t) / (number of units at the start - number of units failed at time t)We plot R(t) using the formula: Y-axis: R(t)X-axis: Time tA non-parametric plot of R(t) will be obtained. Now, we move to the second part, fitting the data to the Weibull distribution Weibull distribution has a formula: R(t) = exp[-(t/θ)^β]where θ and β are the parameters. We get the estimates of θ and β using the given data. Now, we can proceed to the third part, fitting the data to a lognormal distribution. Lognormal distribution has a formula: R(t) = 1 - Φ(log(t) - μ / σ)where Φ is the standard normal cumulative distribution function, and μ and σ are the parameters. To estimate these parameters, we use the given data. We can finally move to the fourth part, determining which distribution, Weibull or lognormal, provides a better fit. The distribution that provides a better fit is the one that gives us a smaller mean square error between the observed and the predicted failure rates.

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Last year the Digby company increased their equity. In 2020 their equity was $49,360. Last year (2021) it increased to $52,690. What are the causes of change in equity? Check all that apply.
Profits of $11,940
Depreciation of -$41,287
Issue and retirement of stock .
A bond issue of$1,279.
Dividend payment of$7,057.
Change in inventory of-$5,673.
An accounts payable change of$1,110.
A change in short term debt of-$4,032.
A change of plant and equipment of$9,580.
A change in cash of $1,828.
Plant Improvements of $9,580

Answers

The change in equity from $49,360 in 2020 to $52,690 in 2021 can be attributed to several factors.

Firstly, the increase in equity could be due to the company's profits or revenues. If the company has made a profit in 2021, it would have added to its retained earnings, which would, in turn, increase its equity.

Secondly, the company may have issued new shares or raised additional capital, which would increase its equity.

Thirdly, the company may have revalued its assets, resulting in an increase in the value of its equity. Lastly, the company may have reduced its liabilities, resulting in an increase in equity.

From the given options, the change in equity could have been caused by a change in inventory of -$5,673, and a change of plant and equipment of $9,580. A decrease in inventory would increase the company's equity, while an increase in plant and equipment would also increase the value of the company's assets, resulting in an increase in equity.

However, plant improvements of $9,580 would not directly impact the equity as they would be accounted for as expenses in the income statement.

Overall, there could be several factors that have caused the change in equity for the Digby company, but more information would be required to accurately determine the exact reasons behind the increase.

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Based on the given information, the causes of change in equity are: Profits of $11,940: This would increase equity since profits are added to the company's retained earnings.Issue and retirement of stock: Depending on the specific details, this could increase or decrease equity.

If the company issued new stock, equity would increase, but if they retired stock, equity would decrease.A bond issue of $1,279: This would increase equity since the company received cash from issuing the bond. Dividend payment of $7,057: This would decrease equity since the company paid out cash to shareholders.Plant Improvements of $9,580: This would not directly impact equity, but it would be reflected in the company's property, plant, and equipment account.The following items would impact the company's income statement or balance sheet accounts, but would not directly impact equity: Depreciation of -$41,287

Change in inventory of -$5,673

An accounts payable change of $1,110

A change in short term debt of -$4,032

A change in cash of $1,828.

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four reasons why Corona virus could be harmful to economic growth??​

Answers

Answer:

Employees have to be let go because social distancing is a thing

Businesses are not getting enough customers because of quarantine, which leads to them shutting down

Factories that supply stores are shut down to prevent spread in factory lines

For those with computer jobs, working from home does not give an employee as much freedom with printing or scanning as it does at work, which slows down the completion of assignments and lowering the business`s dependability

what is financial accounting??

Any one help me ​

Answers

Answer:

Financial accounting is a particular type of accounting that includes a method of documenting, summarising, and reporting the transactions arising from business operations for a period of time.

Financial accounting reflects the accounting on "accrual basis" over the accounting on "cash basis

Bandana software produces unique software that is technologically superior to similar products in the market. The source of this market power is:

Answers

The source of Bandana software's market power is its technological superiority over similar products in the market. The company has likely invested significant resources in research and development to create software that performs better, faster, and with greater efficiency than its competitors. This technological advantage allows Bandana software to offer a unique product that is difficult for competitors to replicate.

Furthermore, this technological superiority may allow Bandana software to charge a premium price for its products, as customers are willing to pay more for higher quality software that is better suited to their needs. This, in turn, can lead to higher profits for the company.

Additionally, Bandana software's market power may be reinforced by its brand reputation, customer loyalty, and strong relationships with key suppliers or partners. These factors can all contribute to the company's ability to maintain a dominant position in the market and continue to innovate and produce technologically superior software.

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a $104,000 selling price with $24,000 down at 6.5% for 25 years results in a monthly payment of: multiple choice $545.61 $554.71 $546.16 $540.17 none of these

Answers

The monthly payments, given the selling price, the down payment, and the rate is, D. $540.17

How to find the monthly payment?

First, find the loan amount:

= Selling price - down payment

= 104, 000 - 24, 000

= $80, 000

The monthly payment is an annuity because it is constant. To find this annuity, find the monthly periodic rate and the number of monthly periods:

Monthly rate :

= 6.5% / 12

= 6.5%/12

The number of periods is:

= 25 x 12

= 300 months

Then put this into an annuity calculator to find the monthly payment to be:

= Loan amount / Annuity factor

= 80, 000 / 148.1

= $540.17

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why would a decrease in consumer spending (such as the reduction that occurred during the great recession) increase unemployment?

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The reduction in consumer spending during the Great Recession led to an increase in unemployment for two main reasons. First, as consumers reduce their spending, businesses lose revenue and are forced to reduce the size of their workforce.

As businesses lay off employees, these individuals become unemployed. Second, when consumer spending declines, businesses are less likely to hire new employees or expand their workforce. This means that even people who are actively looking for work have difficulty finding employment.

When consumer spending decreases, businesses must reduce the number of employees they have in order to maintain profitability. This means that businesses lay off workers in order to reduce their overhead costs and make up for lost revenue. As businesses reduce the size of their workforce, the number of unemployed individuals increases.

Additionally, when consumer spending is reduced, businesses are less likely to hire new employees or expand their workforce. This makes it more difficult for individuals who are actively seeking employment to find a job. This further increases the unemployment rate as individuals are unable to find jobs due to the reduced demand from businesses.

In conclusion, the reduction in consumer spending that occurred during the Great Recession led to an increase in unemployment for two main reasons.

First, businesses had to reduce the size of their workforce in order to maintain profitability. Second, businesses were less likely to hire new employees or expand their workforce, making it more difficult for individuals to find work.

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the group that benefits the most from receiving subsidies is t/f

Answers

Domestic producers are the group that stands to gain the most from subsidies.

What do subsidies mean?

Multiple types of subsidies exist. Governments occasionally maintain artificially high prices, as is the case with subsidies meant to increase farmers' incomes.

They might provide discounted services like a university education or a subway fare. They might cover a portion of the interest on loans taken out to finance the building of a road or a power plant.

Alternatively, they might exempt some goods or technology from paying taxes. When employed to address alleged market flaws, or when competitive, private markets fall short of producing outcomes that are socially desired, they can be effective policy tools.

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Compare and contrast what is meant by "liquidity" when referring to a CD and a mutual fund. (50 points!)

Answers

A liquidity of certificate of deposit means the ease of investors to making a withdrawals without incurring a penalty on the account while the liquidity of mutual fund means the ease of investors to making a withdrawals of the funds

What is known as Liquidity?

In finance, the term "Liquidity" means the ease with which an asset or security can be converted into ready cash without affecting its market price. As it explains the ease of converting into ready cash without affecting its market price, the most liquid asset of all is the cash itself.

That said, the cash is the most liquid of assets while the tangible items are less liquid. The main types of liquidity include the market liquidity and accounting liquidity.

In conclusion, the liquidity of certificate of deposit and mutual funds means the ease of investors to making a withdrawals without incurring a penalty on the account and this is an important attribute of these securities as it measures the fund's ability to meet near-term shareholder redemption.

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what factors are most likely to lead to transfer of training for sarah, a new employee at a large company? (select all that apply.)

Answers

To increase the transfer of training, a new employee at a large company, Sarah needs to consider the following factors that are most likely to lead to transfer of training:

Feedback: The availability of feedback assists in recognizing areas of achievement and areas that require further development. This can increase the possibility of transfer of training.

Learning Strategies: By employing learning methods that are directly relevant to the task, the potential for transfer of training is increased. Consequently, learning experiences are most effective when they are directly related to the employee's role in the organization.

The use of similar tasks: Transfer of training is more likely to happen when the job conditions in which the training was conducted resemble those found on the job. Thus, making use of job-based tasks that directly relate to the job duties helps to improve the transfer of training.

Performance Support: Providing job aids such as checklists, flowcharts, templates, or summaries help to boost transfer of training. This is because job aids help to reinforce learning and act as an assistance during on-job activities.

Feedback, Learning strategies, use of similar tasks, and performance support are the factors that are most likely to lead to transfer of training for Sarah.

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Complete question:

What factors are most likely to lead to transfer of training for sarah, a new employee at a large company?

What is his overall message to marketers?

Answers

How an organization communicates to its target

A big crowd is watching a football game. Suddenly, everyone jumps to their feet and starts cheering. The home team scored a touchdown. They are now in the lead. What is the stimulus in this scenario?

A) They are now in the lead.
B) The home team scored a touchdown.
C) A big crowd is watching the game.
D) Suddenly, everyone jumps to their feet and starts cheering.

Answers

B)

Explanation:

the definition of stimulus is something that causes a reaction so b is the only one that makes sense

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