According to the electure, the interpersonal communication process is the process of ________ and ________ verbal and nonverbal messages between two or more people.

Financial decisions are decisions made by management about a company's finances. These decisions might pertain to asset purchase, finance and fund raising, day-to-day capital and spending management, and so on. Financial decisions therefore affect both the assets and liabilities of a company.

The correct answer is C) reinsurance

Reinsurance consists of transferring to other insurance companies all or part of the assumed risk in order to distribute costs or losses, as in the case of earthquakes, where the amounts to be paid to clients are usually very high, affecting their assets considerably or leading to bankruptcy.

In reinsurance, several insurance companies may participate, where each one assumes a percentage of the amount insured by the main company, and its liability will be equal to the assumed quota share.

It is important to know that in a reinsurance contract, the responsibilities and agreements do not change and that the user only maintains a relationship with the insurer and not with the reinsurer.

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The statement, "Procter & Gamble outperforms its peers in terms of profitability" is the most accurate based on the findings. This can be inferred from the given information that Procter & Gamble Co. has a net profit margin of 18.85% while the industry average net profit margin is 10.03%.

The profit margin is a metric used to assess a company's profitability. It's determined by subtracting the cost of goods sold (COGS) from the company's revenue and dividing it by the revenue. The resulting number is the profit margin, which is expressed as a percentage. Leverage refers to the use of borrowed money to invest in something in the hopes of generating more profits than what would have been possible with one's own money. A company with a high level of debt is said to be highly leveraged. To say that a company "underperforms" its peers means that the company performs worse than its competitors in a particular area or metric. In the case of the given information, it means that Procter & Gamble performs worse than its peers in terms of leverage since it has a lower leverage ratio than the industry average.

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Answer:

Problem solving skills refers to our ability to solve problems in an effective and timely manner without any impediments. It involves being able to identify and define the problem, generating alternative solutions, evaluating and selecting the best alternative, and implementing the selected solution.

Answer:

c. bank's balance sheet shrinks but the size of the Fed's balance sheet is not affected

Explanation:

In the case when an individual withdraws the amount from the checking account so the balance sheet of the bank should shrink but overall the size of the balance sheet of fed is not impacted

So according to the given situation, the option c is correct

Hence, the same should be considered

Visuals, Testimonials, Portfolio, Interests, Social Media Profiles and Volunteer Work can be included in a nontraditional resume

There are now more professionals offering these creative resumes, which depart from the standard format by including graphics, images, buttons, and multimedia components like flash or video. At first appearance, the alternative can seem to draw in more recruiters, but it is not the best option for everyone. Information on how to obtain professional data should be provided to everyone, including those who choose to select a non-traditional approach. These creative resumes, which deviate from the conventional style by integrating graphics, photographs, buttons, and multimedia elements like flash or video, are increasingly more frequently offered by professionals. The alternative may first appear to attract more recruiters, but it is not always the greatest choice. Everyone, including those who choose for a non-traditional method, should be given information on how to collect professional data.

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Answer:

Variable costs

Explanation:

Variable costs is the term that describes business costs that vary with the production level. An increase in output increases the variable costs. Variable costs are progressive and increase or decrease with the production volume.

Examples of variable costs include raw material and distribution costs. Variable costs contrast with fixed costs, which remain constant throughout a financial period.

Answer:

yes

Explanation:

It is an ability to defend your rights without hurting those of others. An assertive person, therefore, is the one who can express his emotions, needs, and opinions to others without being forceful in any way

By using the adjusted balance method, your new credit card balance will be $618.39.

The adjusted balance method calculates your finance charge by subtracting any payments and credits made during the current billing cycle from the previous balance at the end of the previous billing cycle.

Calculations:

Previous balance = $635

Additional purchases = $125 ($75 + $50)

Payment = $150

APR = 16.5%

Computation of Finance charge:

= ($635 - $150 - $125) x 16.5%/12

= $8.39

Computation of Adjusted balance:

= ($635 - $150 + $125 + $8.39

= $618.39

Therefore, by using the adjusted balance method, the new balance on the credit card is $618.39.

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Answer:

dmdmdmdmsmqmmfdmmam

Explanation:

memmmcl

Checking a credit report is a good way to know whether credit is improving.

A credit report refers to a statement that has information about your credit activity and current credit situation such as loan paying history and the other status of your credit accounts.

A credit report contains personal information, credit account history, credit inquiries and public records. This information is reported by your lenders and creditors to the credit bureaus. Your credit report can be used in a variety of situations, from getting a credit card to buying a house or even applying for a job.

Checking your credit history is a good way to know whether credit is improving. It also helps you in understanding your current credit position.

Thus, regularly checking your credit reports can help you be more aware of what lenders may see and it can also help you detect any inaccurate or incomplete information.

Hence, option A is correct.

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Answer:

C4*D4

must be the correct one but its not mentioned there

Answer:

I would say =(CD)(D4) it makes the most sense

Explanation:

Answer:

According to yahoo finance, the opening price of the Dow Jones Industrial Average on Jul 09, 2018, is 24519.20.

Explanation:

Dow Jones Industrial Average is a stock indicator of the top 30 companies of the US. Other indicators include NASDAQ Composite and S&P 500.

These indicators are used to assess the performance of the market on a subsequent day. From the historical data from the Yahoo Finance, the value for any day could be found which for July 09, 2018 is 24519.20.

globalization The cost of production is generally reduced through globalization. In turn, businesses are able to charge customers less for their products.

Increases in the level of life are largely influenced by the average cost of commodities. The range of products available to consumers has likewise increased. Firms gradually learn how to enhance their products and production as a result of globalization, and these experiences help to raise the quality of the labor force and increase business efficiency. Overall, Actually, the benefits of technological advancement and globalization are very similar. They both increase a country's output, increase productivity, increase the number of jobs they create, increase wages, and reduce the cost of goods, which are all benefits that are extremely similar.

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Fixed manufacturing overhead is the sustainable costs that are incurred to operate a company's production systems, including tools and equipment, buildings, land, and other associated costs like rent, taxes, insurance, and utilities.

To calculate the total amount of fixed manufacturing overhead incurred to support a production level of 20,000 units, you would need to know the set fixed manufacturing overhead cost per unit. Taking this cost figure and multiplying it by the 20,000 units produced, you would come to the total amount of fixed manufacturing overhead incurred to support this level of production.

It is important to ensure that the fixed manufacturing overhead cost per unit is a sustainable figure, meaning that it accurately reflects the cost of all the fixed overhead expenses required to support production.

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The given statement "two companies with the same value chain activities will have the same business processes" is false because even with same value chain activities, the business processes of two companies may differ to a great degree.

A value chain refers to the series of activities that a business performs to create and deliver value to its customers. These activities include primary activities such as inbound logistics, operations, outbound logistics, marketing and sales, and service, as well as support activities such as procurement, human resource management, technological development, and infrastructure management.

While two companies might be engaged in the same value chain activities, their specific business processes may differ significantly. Business processes refer to the tasks, methods, and procedures employed by a company to carry out its value chain activities. These processes are influenced by factors such as the company's strategy, culture, technology, and competitive environment.

For example, one company may focus on cost efficiency and rely on automation in its operations, while another may prioritize product customization and require more manual labor. Similarly, the marketing and sales processes of one company might emphasize online channels and social media, while another could focus on traditional marketing methods.

In conclusion, although two companies may have the same value chain activities, their business processes can differ based on their unique strategies, organizational structures, and other factors. It is crucial for companies to design and optimize their business processes according to their specific objectives and the competitive landscape they operate in.

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In cases where a party materially breaches the contract, the nonbreaching party is entitled to either specific performance or be discharged from his obligations completely.

When a party to a contract materially breaches the terms and conditions of the agreement, it means that the breach is significant and goes to the core of the contract. In such cases, the nonbreaching party has certain remedies available to address the breach.

One of the remedies is the option of seeking specific performance. Specific performance is a legal remedy where the court orders the breaching party to fulfill their obligations as specified in the contract.

This means that the nonbreaching party can demand that the breaching party performs the contract as agreed upon, rather than seeking monetary damages.

Alternatively, the nonbreaching party also has the right to be discharged from their obligations completely. This means that they are released from their duties under the contract and are no longer required to perform their part of the agreement.

In this case, the nonbreaching party may choose to terminate the contract and pursue other legal remedies, such as seeking damages for any losses suffered due to the breach.

The availability of specific performance or discharge from obligations will depend on various factors, including the nature of the contract, the seriousness of the breach, and the jurisdiction's laws governing contract disputes.

It is essential to consult legal professionals or refer to the specific contractual terms and applicable laws to determine the available remedies in a particular case of breach of contract.

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Other things equal, an increase in the price level  decreases the equilibrium interest rate and increases equilibrium output.The correct answer is C. decreases; increases.

An increase in the price level, known as inflation, leads to a decrease in the purchasing power of money. This decrease in the value of money reduces the real return on lending and borrowing. As a result, lenders will demand a higher interest rate to compensate for the anticipated loss in purchasing power. Therefore, an increase in the price level decreases the equilibrium interest rate.

Additionally, when the price level increases, production costs for firms rise, reducing their profitability. In response, firms may decrease their level of output and employment, leading to a decrease in equilibrium output. To summarize, an increase in the price level decreases the equilibrium interest rate (due to reduced purchasing power) and increases equilibrium output (due to reduced profitability and production).

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The three methods used to classify costs into their fixed and variable components include:

This refers to the process of separation of a group of expenses into different categories which are used to bring an management's attention certain costs that are considered more crucial than others, or to engage in financial modeling.

Often time, the purpose of cost classification is to allows the manager control processes and cut costs where needed or send more resources to an area of the process that is lacking.

Furthermore, the cost classification also allows the manage to review reports and advise accounting of needed adjustments in cost classification.

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The balance on a credit card, that charges a 20% APR interest rate, the Finance charge is given as

$4.3055

This is further explained below.

Generally, The interest rate that is applied to a loan, mortgage loan, credit card, etc. is referred to as an annual percentage rate of charge, which sometimes corresponds to a nominal APR and sometimes corresponds to an effective APR.

The annual percentage rate of charge is the interest rate for the entire year, as opposed to just a monthly fee or rate. It is a fee for financing that is presented in the form of an annual rate.

Interest rate APR = 12%

Average balance = ((200*5)+(350*15)+(150*10))/30

Average balance = $258.33

Average balance*APR/12

Finance charge =\(\frac{258.33*20 \%}{12 }\)

Finance charge = $4.3055

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Answer: Gambling iis an issue here are some reasons why

Explanation:

Gambling means to bet on something of which the outcome is not sure.

It can take on form of playing games in the hope that some money could be won.

Although gambling is legal, it gives false hope.

Answer:

Being recognized for a job well done

Explanation:

a. If Brady and Kaila make a gift of bonds valued at $10,000 that yield $800 per year interest to their 24-year-old daughter, they would save $296 in taxes per year. The daughter would be subject to tax on the interest.

b. If they sell the bonds from Part A rather than give them to their daughter, and buy tax-exempt bonds that pay 6%, assuming the bonds can be sold for an amount equal to their basis of $10,000, they would save $215 in taxes per year. The amount of interest per year they would forego is $580. They would be better off to sell the Part a bonds and purchasing tax-exempt bonds.

c. If they give $1,800 cash to a charity and assume they itemize deductions and ignore any phaseout of itemized deductions, they would save $666 in taxes.

d. If they pay their daughter a salary of $13,000 for services rendered in their unincorporated business, assuming the salary is reasonable, $13,000 is deductible as a business expense. The salary would be taxable to the daughter as income. The parents would save $4,810 in income taxes.
a. By gifting the bonds to their daughter, Brady and Kaila would save 37% of $800 (the annual interest), which is $296 per year. The daughter would be subject to tax on the interest but at her lower tax rate.

b. If they sell the bonds and buy tax-exempt bonds paying 6%, they would save 37% of $800, which is $296 per year. The interest they would forego is $800 - ($10,000 * 6%) = $200. They would be better off selling the Part a bonds and purchasing tax-exempt bonds since they save more in taxes.

c. By giving $1,800 cash to a charity, they would save 37% of $1,800, which is $666.

d. The $13,000 salary paid to their daughter is deductible as a business expense. The salary would be taxable to the daughter as income. The parents would save 37% of $13,000, which is $4,810 in income taxes.

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Article 9 of the Code of Ethics about written agreements requires Realtors to make reasonable efforts to reduce their verbal agreements to written agreements.

The National Association of Realtors has a code of ethics that each member must follow. The code of ethics serves as a guideline to ensure that members act professionally and ethically in their dealings with clients. One of the most important provisions in the Code of Ethics is Article 9, which relates to written agreements. Article 9 requires Realtors to make a reasonable effort to reduce their verbal agreements to writing.

This requirement is essential because it helps prevent misunderstandings between Realtors and their clients. By putting their agreements in writing, the parties can avoid confusion over what was agreed upon and have a clear record of their understanding if any disputes arise in the future. Realtors can create written agreements using standard forms approved by their local or state Realtor association or legal counsel. Therefore, Article 9 of the Code of Ethics requires Realtors to make reasonable efforts to reduce their verbal agreements to written agreements.

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Answer:

Answer:

You should listen to the doctor and give your finger time to heal. You should also take Friday off, and go back to work next week.

Answer:

Productivity increases have enabled the U.S. business sector to produce nine times more goods and services since 1947 with a relatively small increase in hours worked. With growth in productivity, an economy is able to produce—and consume—increasingly more goods and services for the same amount of work.

In economics, the determinant of demand that this scenario fall under , when you go for chips ahoy because Oreo cookies are now extremely expensive is Change in Price of Substitute Good.

What is Substitute Good?

A substitute good  can be regarded as product or service that  is been used as alternative for other goods.

It should be When the price of a substitute good rise, then demand for the other substitute as well will rise.

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Gail, an auditor for a national accounting firm, discovers that her client AMC has underreported liabilities and faces a potential class-action lawsuit, which may cause a significant drop in stock values.

Meanwhile, Gail's aging parents have invested half of their retirement funds in AMC. She faces an ethical dilemma regarding how to handle this situation responsibly. Gail's ethical dilemma raises several potential creative solutions. Firstly, she could approach her superiors at the accounting firm and recommend an immediate disclosure of the underreported liabilities to AMC's shareholders and the public. This would ensure transparency and provide investors, including her parents, with accurate information to make informed decisions about their investments.

Secondly, Gail could explore alternative investment options for her parent's retirement funds. She could research and suggest more stable and secure investment opportunities that align with her parents' financial goals and risk tolerance. By guiding her parents towards safer investments, Gail would be fulfilling her responsibility to protect their well-being and mitigate potential losses.

Additionally, Gail could consider seeking legal advice regarding AMC's underreported liabilities and the potential class-action lawsuit. If there is a basis for a legal claim against AMC, Gail could support her parents in taking appropriate actions to recover their investment or minimize losses. Ultimately, the creative solutions for Gail's ethical dilemma revolve around taking proactive steps to address the situation responsibly and protect the interests of her parents and other investors. By advocating transparency, exploring alternative investments, and seeking legal guidance, Gail can navigate the challenging situation while upholding her professional and personal ethical obligations.

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Answer: The advantages would be efficiency and accountability; the disadvantages would be resource hoarding and low quality.

Explanation: There will be more trust between workers and indivuals, more accountability as well.

For an organisation that invests $100,000 in year 0 and subsequently receives $21,000 annually for the following eight years, the net cash flows (not discounted) are $168,000 and come from the investment.

1. According to the IRR analysis, the most profitable investment over the life of the investment is Investment 1.

2. According to the IRR analysis, the least profitable investment over the life of the investment is Investment 3.

3. The amount of net cash flows (not discounted) over the life of Investment 2 is $80,000.

4. If the cost of capital is 8%, a company that would pay $100,000 investment in equipment in year 0, and then receives $21,000 per year each of the next eight years (but no salvage value) will not make the investment (No).

5. The net cash flows (not discounted) for a company that makes a $100,000 investment in year 0, and then receives $21,000 per year each of the next eight years is $168,000.

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