Answer: Retailers sell food, hard or durable goods, and soft goods. Retailing is a trading activity that is directly related to the sale of goods or services to the ultimate consumer for personal, non-business use. A retailer is the last middleman in the machinery of distribution and is responsible to satisfy recurrent wants of consumers.
Explanation: I hope this helps!
how many black millionaires are there in the united states?
Answer:
1.5 million black American millionaires.
Explanation:
A customer buys 17. 01 in gas and requests one five dollar [$5] lottery ticket, two one dollar [$1] lottery tickets, and one [$3] lottery ticket. He gives you two winning tickets to be redeemed: one for ($5) and the other for ($2). How much change would he receive from a $100 bill?.
The customer will receive $79.99 as change in exchange for a $100 note the person gave to the shop owner. The amount is derived as a result of a series of transactions carried out by the customer.
The customer did multiple transactions during the course of the visit to the shop. The customer's transactions also involve buying stuff as well as redeeming the coupon codes won by the customer.
Currency Exchange The customer is given to have purchased gas amounting to $17.01, after which the customer has bought lottery tickets of different denominations. The customer purchased tickets worth $10. After the purchase of lottery tickets, the customer displayed and produced the previous lottery tickets for redemptions, as he had won the lotteries on both the tickets worth $7.The change received by the customer can be calculated with the help of using the following formula, where the customer gave $100 note to the shopkeeper. [tex]\rm Change\ Received= Money\ Given- (Purchase\ of\ Gas+ Purchase\ of\ Lottery\ Tickets- Redemption\ of\ Lottery\ Tickets)[/tex]Now putting the values in the formula, we get,[tex]\rm Change\ Received= 100- (17.01+5+1+1+3-2-5)\\\\\\\\\rm Change\ Received= \$100- \$20.1\\\\\\\\\rm Change\ Received= \$79.99[/tex]So we have concluded that the customer will receive $79.99 as change. Hence, the correct amount of change received by the customer for the period is $79.99.
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what are the three most common reasons firms fail financially?
The common ways through which firms fail financially includes under-capitalization, poor control over cash flow and inadequate expense control.
Majority of firms who failed financially are those firm with outdated financial plan or lack of current trend in the industry.
Why firms fail financially includes:
Under-capitalization which is when the firm does not have sufficient capital to conduct normal business operations and pay the creditors.Poor control over cash flow is when the firm does not have firm control over the cash going in and out of the organization.inadequate expense control is when the firm does not effectively control the amount of expenses incurred for operation.
In conclusion, the common ways through which firms fail financially includes under-capitalization, poor control over cash flow and inadequate expense control.
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How do premium, copay, coinsurance, deductible, and out-of-pocket maximum all work together in the world of health insurance?
You pay any remaining deductible plus the coinsurance payment percentage. For example, let's say your coinsurance is 20 percent, meaning you're responsible for paying 20 percent of any doctor's bill. ... Once your out-of-pocket maximum has been met the plan pays 100 percent for covered in-network services
how to calculate how much taxes come out of paycheck
One of the most popular and effective ways to teach students are known as S.M.A.R.T goals. S.M.A.R.T is an acronym that stands for specific, measurable, achievable, relevant, and timely.
a. True
b. False
What does it mean when the feds lower interest rates?
Interest rates are lowered by the Fed in order to boost economic development. Reduced finance costs might entice people to borrow and invest. When interest rates are excessively low, however, they might stimulate excessive growth and perhaps inflation. On the other hand, if growth becomes excessive, the Fed will boost interest rates.
Many production employees began to talk among themselves about whether they wanted to transfer to a new production facility in a neighboring town. What type of communication is thi
The type of communication in this context is referred to as Lateral
communication
Lateral communication is the exchange of information between people
who are in similar hierarchy in an organization or gathering.
In this scenario, we were told production employees talked about if it was
needed to move the facility to a new location which is a good example of
Lateral communication as they are of the same level.
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A multidomestic company identifies a risk that regulations in some national markets will likely change over time. Such changes could impact product design and distribution in each market and have varying impacts on the company's financial success. What technique would best address the possible impacts of this risk when formulating strategic plans?
The technique that would best address the possible impacts of this risk when formulating strategic plans is: Scenario planning.
Scenario planning refers to the methods that are used in ascertaining future conditions to determine how an organization will respond to future changes.
In the case of the multi-domestic company above, an assessment is made of the future changes that might result due to the changes in regulations over a period of time.
Thus, they engage in scenario planning.
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Which of the following is used by a seller to deceive a buyer? a. Bait and switch b. Contest c. Display d. Introductory offer Please select the best answer from the choices provided A B C D.
That which is used by a seller to deceive a buyer is: a. Bait and switch
Bait and switch is a tactic that is used by entrepreneurs to attract customers. They tell them to purchase a good at a low price.
However, when they come to buy, they are encouraged to buy a good that costs more.
So, in this way, the bait and switch tactics is used by sellers to deceive the buyers.
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Answer:
A. Bait and Switch
Explanation:
edge 2022
Use this example from a fixed-rate mortgage calculator to help you answer the questions. Keep the page open after you complete this question. According to the calculator, the monthly payment Demarco and Tanya should anticipate paying for principal and interest is $208. $877. $669. $1,200.
Answer:
C, $669
Explanation:
Edge 2022
The closest answer is $877, which may be the monthly payment for a different loan amount or interest rate.
What is interest rate?The interest rate is the amount charged by the lender to the borrower in addition to the principal amount.
In terms of the receiver, a person who deposits money in any bank or financial institution earns extra money due to the time value of money, which is referred to as interest received by the depositor.
Using the provided information, we can calculate the monthly payment for the fixed-rate mortgage using a mortgage calculator.
Plugging in the numbers into a mortgage calculator, assuming monthly payments, we get:
Principal: $170,000
Term: 30 years
Interest rate: 4.25%
Thus, the calculated monthly payment for principal and interest is $834.82.
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plz help if ur good at taxes
Answer:
pay: 73,300
income tax: 73,300*0.37 = 27,121
EI: 73,300*0.0173=1,268.09
CPP: 2,590
Yearly Pay will be 73,300-27,121-1,268.09-2,590 = $42,320.91
Weekly pay (paycheck) = 42320.91/52 = $ 813.86
Explanation:
how has globalization impacted operations management
Answer:
Findings show that different aspects of globalization such as competitive intensity, technological change, cost pressure, and new opportunities, affect different aspect of operational performance, namely quality improvement, cost reduction, flexibility, speed of delivery.
Explanation:
In the ______ stage of team development, members depend on the project manager to provide direction and structure.
Based on business management, in the Forming stage of team development, members depend on the project manager to provide direction and structure.
Stages of team developmentForming StormingNormingPerformingAdjourningGenerally, the forming stage forms the first or early stage of team development.
During this period, the rest of the project manager and the members depend on him to provide direction and structure.
Hence, in this case, it is concluded that the correct answer is "Forming stage."
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Oil refining is an example of:
Construction Production
Extractive Production
Domestic Production
Traditional Production
Answer:
Explanation: step by step
The Johnsons are buying a house that costs $210,000 and can afford a 20% down payment. If the Johnsons want the lowest monthly payment, which loan option would you recommend? a. 30 year FHA, 3. 5% down at a fixed rate of 6. 25% b. 30 year fixed, 20% down at a fixed rate of 6% c. 30 year fixed, 10% down at a fixed rate of 6% d. 15 year fixed, 20% down at a fixed rate 5. 5%.
If the Johnsons want the lowest monthly payment, the recommended loan option is Option b.
Data and Calculations:Cost of house = $210,000
Down payment = 20% or $42,000 ($210,000 x 20%)
Loan = $168,000 ($210,000 - $42,000)
Monthly Payments:Option a. 30 year FHA, 3. 5% down at a fixed rate of 6. 25%:
Cost of house = $210,000
Down payment = 3.5% or $7,350 ($210,000 x 3.5%)
Loan = $202,650 ($210,000 - $7,350)
Result:
Monthly Payment = $1,247.75
Sum of all periodic payments = $449,190.33
Total Interest = $246,540.33
Option b. 30 year fixed, 20% down at a fixed rate of 6%
Cost of house = $210,000
Down payment = 20% or $42,000 ($210,000 x 20%)
Loan = $168,000 ($210,000 - $42,000)
Result:
Monthly Payment = $1,007.24
Sum of all periodic payments = $362,608.16
Total Interest = $194,608.16
Option c. 30 year fixed, 10% down at a fixed rate of 6%
Cost of house = $210,000
Down payment = 10% or $21,000 ($210,000 x 10%)
Loan = $189,000 ($210,000 - $21,000)
Result:
Monthly Payment = $1,133.15
Sum of all periodic payments = $407,934.18
Total Interest $= 218,934.18
Option d. 15 year fixed, 20% down at a fixed rate 5. 5%
Cost of house = $210,000
Down payment = 20% or $42,000 ($210,000 x 20%)
Loan = $168,000 ($210,000 - $42,000)
Result:
Monthly Payment = $1,372.70
Sum of all periodic payments = $247,086.04
Total Interest = $79,086.04
Thus, if the Johnsons want the lowest monthly payment, the recommended loan option is Option b with a monthly payment of $1,007.24.
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Johnson's should opt for a loan with interest rate of 6.25% ; period of 30 years and a down payment of 20% of the loan amount. So, the correct option that matches the query is B.
The calculation of the interest can be done by using the simple interest. Under Simple interest method, the loan is calculated only on the principal amount and not on the interest.
Housing Loans The calculation when the down payment of 20% is made upfront the calculation will be shown as $42000. So, the interest will be charged only on the remaining balance of $168,000. The calculation can be shown as below,[tex]\rm Amount= \dfrac{Principal\ x\ Rate\ of\ Interesr\ x\ Time}{100}\\ \\\\ \rm Amount= \dfrac{168000\ \rm x\ 6\ \rm x\ 360}{100}\\ \\ [/tex]The interest to be paid each year will be calculated as under for a total number of 30 years.[tex]\rm Interest\ per\ Year= \dfrac{36288}{30}[/tex]So total interest to be paid each year will be $1209.6 which is lower than all the other options available in the hands of Johnson's.Hence, the correct option is B that it would be beneficial for Johnson's to opt for 20% down payment at an interest rate of 6% and for a period of 30 years.
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what describes the specific information about a policy
Policy summary is what describes the specific information about a policy.
Policy is a term, commonly associated with insurance . It is a set of rules or guidelines for an organization and employees to follow in or to achieve a specific goal (i.e. compliance).
A policy summary describes the features and elements of the specific policy for which a person is applying.
Policy summary contains the following :
Name and address of the producerName of the policy issuedPremiumSurrender valueTherefore, Policy summary is what describes the specific information about a policy.
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Dawn walks into a customer's office with her sales presentation planned and immediately recognizes that the customer is upset about something. In this situation, Dawn should Dawn walks into a customer's office with her sales presentation planned and immediately recognizes that the customer is upset about something. In this situation, Dawn should:
a. maintain a happy and cheerful demeanor.
b. sit down immediately and begin the presentation.
c. All of the answers are correct.
d. say something funny in an attempt to lighten the customer's mood.
e. ask if she should come back some other time for the meeting.
How large a payment must this customer make on 4/20/12 to be considered on-time with their payment?
An on-time payment simply means a payment that's paid back at a particular agreed at a particular due date that has been agreed.
Your information is incomplete. Therefore, an overview will be given. It should be noted that an on-time payment is important for one to run business affectively.
In this case, to be considered on-time with their payment, the customer should pay the agreed amount. Late payments simply impact ones ability to run business and can lead to one incurring more interest.
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Is Mark Zuckerburg a robot? cuz he sure looks like one
Answer:
he is lol
Explanation:
Answer:
hell yea i agree the dude's hella sus
what is the most common goal of a trade agreement?
Answer:
For the United States, the main goal of trade agreements is to reduce barriers to U.S. exports, protect U.S. interests competing abroad, and enhance the rule of law in the FTA partner country or countries.
A government securities dealer quotes a 3 month Treasury Bill at 6.00 Bid - 5.90 Ask. A customer who wishes to sell 1 Treasury Bill will receive:
The customer who wishes to sell one (1) Treasury Bill will receive $5.90 if a government securities dealer quotes a 3 month Treasury Bill at 6.00 Bid - 5.90 Ask.
The "bid" price is the rate at which the buyer will purchase the security, while the "ask" (offer) price is the rate at which the seller will be willing to sell.
Thus, in this situation, the selling customer will receive $5.90 per Treasury Bill while the dealer will sell it for $6.00, making profit of $0.10 ($6.00 - $5.90).
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Mark is looking for professional financial assistance. Mark has never invested before and is not quite sure where to start. He knows that he wants to build up investments for future projects such as retirement, but he is not sure how to navigate investment in light of his existing debts. Recommend an appropriate financial professional for Mark. A. Full-service broker b. Discount broker c. Accountant d. Financial planner Please select the best answer from the choices provided A B C D.
The recommended appropriate financial professional for Mark. A is: d. Financial planner.
Financial planner is a financial professional or financial adviser who is in the right position to give financial advice or to provide financial guidance to you.
A financial planner can help you plan your finances so as to avoid running into debt which will in turn will enables your to achieve your financial aims and goals.
It is the duty of a financial planner to give you some insight on how you can grow your wealth and how to manage your wealth.
Based on the given scenario Mark should consult a financial planner who will help him plan his finances as well as how to build his investment for future project.
Inconclusion the recommended appropriate financial professional for Mark. A is: d. Financial planner.
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Answer:
It's D
Explanation:
how to calculate return on common stockholders equity
Due to mismanagement, Pakistan Steel Mills is currently over levered with a debt to capital ratio of 80% and a pre-tax cost of debt of 8%. Management of Pakistan Steel Mills is considering a restructuring that will reduce the company's debt to capital ratio to 40% and its pre-tax cost of debt to 6%.
Current:
Debt/(Debt+Equity) = 80%
Cost of Debt (pre-tax) = 8%
Cost of Equity = 24.10%
Recapitalised:
Debt/(Debt+Equity) = 40%
Cost of Debt (pre-tax) = 6%
Cost of Equity = ?
If the marginal tax rate is 25%, the risk-free rate is 2.5%, and the equity risk premium is 6%, estimate the cost of capital after the restructuring.
The estimated cost of capital after the restructuring is 10.82%.
Using the MM Proposition II with taxes, we need to first calculate the Cost of unlevered equity;
Cost of unlevered equity = (Cost of levered equity+cost of debt*D/E*(1-tax rate))/(1+D/E*(1-tax rate))
Cost of unlevered equity = (24.10% + 8%*80%/20%*(1-25%)) / (1+80%/20%*(1-25%))
Cost of unlevered equity = 12.03
Cost of levered equity = Cost of unlevered equity + (Cost of unlevered equity-Cost of debt)*D/E*(1-tax rate)
Cost of levered equity = 12.03% + (12.0250%-6%)*40%/60%*(1-25%)
Cost of levered equity = 15.04%
Cost of capital (WACC) =40%*6%*(1-25%)+60%*15.0375%
Cost of capital (WACC) = 0.018 + 0.090225
Cost of capital (WACC) = 0.108225
Cost of capital (WACC) = 10.82%
In conclusion, the estimated cost of capital after the restructuring is 10.82%.
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How can a person harness the power of pre-commitment, for example, with their tax return?
Answer:
You would have to commit to your future self about tax returns.
Explanation:
People projected that adopting a commitment device, which allows them to commit to saving before receiving their tax refund, would boost savings.
What is tax refund meaning?A tax refund is a payment issued to taxpayers who have overpaid their taxes due to employers withholding too much from their salaries.
According to the US Treasury, over three-quarters of taxpayers have too much money withheld, resulting in tax refunds.
Thus, people are more like to make long term judgement.
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How do businesses maintain a formal record of financial transactions?
a) Publish an income statement b) Publish a balance sheet
c) Maintain a general journal
d) Utilize the Matching Principle
Businesses maintain a formal record of financial transactions through publication of income statement and balance sheet.
A formal record of financial transaction entails publication of periodic financial statement to allows users them to understand the financial position of the company.
The process of Bookkeeping with helps to record all financial transactions helps to publish an income statement and balance sheet.
The income statement and balance sheet are the two main financial record which depict the accurate position of the firms position.
Therefore, the Option A and B is correct.
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Which leadership style is most useful when time is abundant, quality output is essential, and enthusiasm and motivation from the employees needs to be generated
Answer:
Authoritarian
Explanation:
Motivates workers and makes them stay on top of things
which government website lists walt disney, bing crosby and charles lindbergh as former employees? irs nasa cia usps
The government website in which it is listed that the aforementioned names were employees is the USPS.
The United States Postal Service:
Employed Walt Disney as a postal carrier in 1918Employed Bing Crosby as a post office counter Employed Charles Lindbergh as an airmail pilotThe USPS website can therefore confidently claim that at some point or the other, all three names mentioned above used to work for them.
In conclusion, the correct answer is the USPS.
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Kelsey is researching the eating habits of elephants. She types “elephants” into her search engine and it returns a lot of results she doesn't need. What is the best way Kelsey can get more specific results?
Change her research topic.
Read through the results.
Use a different search engine.
Use specific keywords.
Answer:
Use specific keywords.
Explanation:
Changing the research topic wouldn't do anything but give her more questions she didn't need. Reading through the results would be a waste of time since it says all of the results are stuff that didn't help her. Using a different search engine has no matter in the situation.