The recordings of Harvey are explained below:
Intake service representative: Hello, Mr. Curtis. Please tell us why you’re here today.
Harvey: Well, my family and I are facing a huge financial crisis and we desperately require food assistance. We had a good life when I worked in the Army as a non-commissioned supervisor for ten years. However, I was suffering from PTSD and had to be discharged on those grounds two years ago. I worked in a warehouse after that for a little over a year but was injured in a car accident, and lost my job again. I don’t have the physical and mental capacity to work for long hours anymore and work as a day laborer when I can.
My wife was working as a server in a local diner during the evenings but has recently been diagnosed with breast cancer. We do not have any medical insurance, and our house is now in pre-foreclosure as we try to manage her treatment expenses. We have two elementary school-aged children who are being home-schooled because we don’t have lunch money or transportation to get them to school.
Intake service representative: Oh, that is indeed a tough situation. But I’m surprised that you don’t have medical insurance, considering you suffered an accident yourself and would have incurred high medical expenses. Why did you not take this step? It would have avoided the financial mess you are in now.
Harvey: We had insurance when I was in the Army. I admit that I should have continued the insurance coverage scheme after my discharge. I had been planning to take it up again when working at the warehouse but it kept getting postponed for some reason. After the accident, I barely managed to recover a little physically and mentally, when my wife fell ill. No insurance company will cover us now. My whole life is falling like a house of cards. I don’t know what to do now. I don’t want my children to go hungry!
Intake service representative: Do you have proof of your accident and medical treatment?
Harvey: Yes
Intake service representative: Do you have proof of your wife’s diagnosis?
Harvey: Yes, I have all the documents
Intake service representative: Please provide all these documents. We will also need the Social Security Numbers of you and your wife. The discharge letters from your previous employers are required as well as the notice of default from your bank regarding your home loan. After we receive all the documents, we will assess your case and determine how much aid can be provided.
Harvey: I have brought all the documents and can submit them right now. Please do look into my case on an urgent basis. Every day is becoming very difficult for us now!
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If the internal rate of return exceeds the discount rate, then the net present value of a project is:
A) positive
B) negative
C) zero
D) one
If the internal rate of return exceeds the discount rate, then the net present value of a project is: A) positive.
What is IRR?In Project management, IRR is an abbreviation for internal rate of return and it can be defined as a metric that is typically used in financial analysis in order to estimate the profitability of all potential projects or investments for a business organization or investor.
This ultimately implies that, internal rate of return (IRR) has the ability to discount the cash in-flows and out-flows of a project to a sum that would be equal to zero (0).
In this context, we can reasonably infer and logically deduce that the net present value (NPV) of a project would be positive when the internal rate of return (IRR) exceeds the discount rate i.e the internal rate of return (IRR) is greater than the discount rate of the project.
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__________ services act as a middleman, allowing individuals to securely send and receive money. select all that apply.
The service that serves as middleman which gives room for individuals to transact by sending or receiving money is regarded as P2P.
Peer-to-peer can be regarded as a networking system which helps in partitions tasks or workloads among peers.It helps for easy transaction whereby two or more people are involved in series of business.In peer-to-peer (P2P) can as well be explained as group of computers which are linked together for processing of data.
Therefore, P2P helps to connect two or more people together for easy transaction.
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A downward sloping demand curve can be explained by i. diminishing marginal utility. ii. diminishing marginal returns. iii. the substitution effect. iv. the income effect.
A downward sloping demand curve can be explained by i. diminishing marginal utility, iii. the substitution effect, and iv. the income effect.
A downward sloping demand curve can be explained by i. diminishing marginal utility, iii. the substitution effect, and iv. the income effect.
1. Diminishing marginal utility: This refers to the idea that as a consumer consumes more of a good, the additional satisfaction (or utility) they gain from each additional unit decreases. This causes the demand curve to slope downward because consumers are less willing to pay a high price for additional units of the good.
2. Substitution effect: As the price of a good increases, consumers may choose to substitute it with other similar goods that are relatively less expensive. This causes the demand curve to slope downward because an increase in price results in a decrease in the quantity demanded as consumers switch to alternative products.
3. Income effect: When the price of a good decreases, consumers' real income effectively increases (since they can now purchase more of the good with the same amount of money). As a result, consumers may choose to buy more of the good, causing the demand curve to slope downward as lower prices lead to an increase in the quantity demanded.
Note that option ii. diminishing marginal returns is not relevant to the demand curve, as it refers to the production side of the economy (i.e., how output changes as additional units of input are used in production).
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REALTORS®: a. protect and promote the interests of their clients. b. treat all parties honestly. c. promote their interests over their clients' interests. d. A and B only.
Considering the available options, Realtors are known to have various functions, including options A and B only.
Functions of a RealtorGenerally, Realtors are known to perform many responsibilities, including the following:
Protect and promote the interests of their clients. Treat all parties honestly.Create a real estate contract.Rent, sell or buy properties for clients, etc.Hence, in this case, it is concluded that the correct answer is option D. "A and B only."
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Stock markets are a economic type of globalization
TRUE OR FALCE
Answer:
the answer is true I guess
Answer:
true
Explanation:
The period of time that is ideal to achieve the success of a new product is the:
a. Moment.
b. Window of opportunity.
c. Momentito.
d. Launch window.
Firms often lunch products periodically. The period of time that is ideal to achieve the success of a new product is the Launch window.
What is product launch windows?Most firms often have a narrow product launch windows. In this type of window, there is a limited product life cycles.
Organizations due to the fact that they known the consequences behind missing the optimum point for a new product to be launch, they often take a the right and proactive steps toward the timing of product introductions to the market.
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I need help!!!!! :| !!!
Answer:
b
Explanation:
In the Challenge Solution, would it make a difference to the analysis whether the lump-sum costs such as registration fees are collected annually or only once when the firm starts operation? How would each of these franchise taxes affect the firm's long-run supply curve? The Federal Motor Carrier Safety Administration (FMCSA) along with state transportation agencies in 38 states administer interstate trucking licenses through a Single State Registration System. However, the registration process is complex, time consuming, and expensive. There are many fees and costly regulations that a trucker or firm must meet to operate. For example, for a large truck, the annual federal interstate registration fee can exceed $8,000. These largely lump-sum costswhich are not related to the number of miles drivenhave increased substantially in recent years. What effect do these new fixed costs have on the trucking market price and quantity? Are individual firms providing more or fewer trucking services? Does the number of firms in the market rise or fall? The Challenge Solution suggests the market price will increase and the market quantity will decrease. Further, the number of firms in the market will fall, although each firm remaining in the market will produce more. Instead of being collected annually, if the lump-sum costs are collected only once (when the firm starts operation), then
Answer:
The answer is "nothing changes because the fees would still be fixed costs."
Explanation:
When annual expenses throughout the cash payment are recovered, a long-term delivery curve of both the company will change.
When the lump sum costs are still only obtained once, the long-term supply curve shall be changed.
It is because, regardless of how it is paid, this tv license has little effect mostly on low cost but only a fixed cost. Its amount of output relies on how well the cost of the profit changes. Provided these are fixed costs, their performance doesn't matter.
caleb, who owns a successful business with two locations and a few international clients, was approached by a large organization about dramatically expanding his company. caleb later told his wife that he is happy with his success, but he wants to stay small because if he decides to add new products, small companies
Caleb is happy with his success, but he wants to stay small because if he decides to add new products, small companies can move more quickly and start more readily.
What do you mean by products?
The thing that is being sold is called a product. An object or a service can both be considered products. It could appear in the form of anything physical, digital, or cybernetic. Every good has a price, and every good has costs attached to it. The price that can be paid is influenced by the market, the quality, the marketing, and the target market.
What does "product" signify in terms of commerce?
In business, a product is an item or service that you might offer to clients. These products could be material (like clothing or furniture) or immaterial (like computer software). A business is referred to as a product business if product sales account for the majority of its revenue.
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This is a method of evaluation in a credit bureau that assigns points based on several factors to compute credit
scores for consumers.
Answer:
point system
Explanation:
What is the first step in amending the Texas Constitution?
Answer:
The answer is below
Explanation:
According to Article 17 of the Texas Constitution which is otherwise known as "Mode of Amending the Constitution of This State"
The first step in amending the Texas Constitution is that the Texas State Legislature must make a proposition of the amendment in a joint resolution, involving both the Texas State Senate and the Texas House of Representatives. This joint resolution, however, can emerge in either the House or the Senate.
At the beginning of every shift, Cody records the amount of pizza sauce in inventory. At the end of every shift, he records the number of pizzas made and the amount of pizza sauce left in inventory. Why would he do this?A) So he can determine if employees are taking sauce home.B) So he can compare the quantity used with the budgeted amount.C) So he will know how much pizza sauce to order.D) So he will know how many customers visited his pizza parlor during his shift.
Answer:
B) So he can compare the quantity used with the budgeted amount
Explanation:
For a business to keep making profit it needs to ensure that the amount of materials it is using in its production process is within a defined limit. So it sets up a budget to guide the amount of raw materials to be used.
In this scenario Cody records the amount of pizza sauce in inventory. At the end of every shift, he records the number of pizzas made and the amount of pizza sauce left in inventory.
This is done to compare quantity of raw materials used to the given budget of the business.
This check will make sure that the business stays profitable.
Communication may account for as much as____ of a hiring decision.
a. 25%
b. 40%
c. 65%
d. 80%
It isnt d or b. So its either a or c.
Why must companies place an increased emphasis on the use of high-quality software in business systems, industrial process-control systems, and consumer products?
Software quality drives predictability. Do it once and do it right, and there will be less re-work, less variation in productivity and better performance overall. Products get delivered on time, and they get built more productively. Poor quality is much more difficult to manage.
At a bare minimum, software quality safeguards a software end-user from using inferior and substandard software, thereby boosting customer satisfaction. Software quality standards ensure that developers check a product to verify that it works according to its specifications
A quality management system (QMS) is a system that documents the policies, procedures, and controls necessary for an organization to create and deliver high-quality products or services to customers, and therefore increase customer satisfaction.
Product quality is important because it affects the success of the company and helps establish its reputation in customer markets. When companies can create high-quality products that continue to meet customer demands, it can lead to fewer production costs, higher investment returns and increases in revenue
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It is possible to possess elements of more than one learning style.
This is when your planned spending is greater than you actual spending.
Budget realism
Budget surplus
Budget equilibrium
Budget deficit
Answer:
B. Budget surplus
you will have extra money you didn't spend. Let me know if this helped and give me brainliest :)
corporate member registers their full allotment of tickets and 127 nonmembers register? If required, round your answers to two decimal places. Breakeven appears in the interval of to registered nonmembers. (c) Consider three scenarios: round your answers to two decimal places. For subtractive or negative numbers use a minus sign. The highest profit is $ The lowest profit is $
Breakeven occurs between a certain range of registered nonmembers. In this case, the exact range is not provided.
The highest profit is yet to be determined, as it depends on various factors such as ticket prices and costs. Without more specific information, it is not possible to calculate the exact highest profit. The lowest profit, again, cannot be determined without additional information on ticket prices and costs. It is important to consider that in some scenarios, the lowest profit may even be negative, indicating a loss rather than a profit.
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the following information relates to a post-retirement benefit plan: apbo beginning, $300mn plan assets beginning, $100mn net post-retirement benefit gain, beginning, $20mn amortization of net gain or loss is based on sl method, ten-year average remaining service period prior-service cost, initial amount, recognized four years ago, $50mn amortization of prior-service cost is based on sl method, ten-year average remaining service period service cost, $40mn discount rate, 5% expected rate of return, 6% actual return, $10mn change in estimated life expectancy caused a gain of $16mn, year-end funding contribution, $20mn what amount will be reported in the ending balance sheet for post-retirement benefit liability?
These situations involve the corresponding liability being included on the balance sheet as non-current liabilities. Post-employment defined benefit programs.
What Other Benefits Are There After Retirement?Benefits paid to employees during their retirement years that are not pension payouts are known as other post-retirement benefits. Benefits received after retirement may include deferred compensation programs, life insurance, medical insurance, or premiums for such benefits.
What exactly are post-retirement benefit costs?The cost of a pension that is observable for the time period is referred to as post-retirement benefit costs. There are various factors that go into calculating post-retirement benefit costs, but they all depend on the kind of plan your firm has designed. These plans may be defined benefit or defined contribution arrangements.
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Dexter has recently joined an organization. His trainer, ken asks dexter to follow certain processes to complete his work faster. Dexter follows the processes without questioning ken. Which one of Aristotle's elements of good communication is being exemplified in the communication between dexter and ken?
Answer:
Ethos
Explanation:
Ethos is one of the three Aristotle's elements of good communication that is based on credibility. It explains the reason why a listener should believe what you are saying to them.
This can also come as a result of ones position and in the environment where he is communicating or because of his expertise and skills and knowledge in the subject of communication which actually convince the listeners that you are more knowledgeable.
Ken's position as Dexter's trainers makes allows his credibility to Ken.
Answer:
Ethos
Explanation:
Answered it right on edmentum
Several controls are used to safeguard inventory except a.keeping high-priced inventory behind lock and key. b.hiring security guards. c.allowing all employees access to the materials warehouse. d.installing sensors at all exits.
Answer:
Option C, allowing all employees access to the materials warehouse, is the right answer.
Explanation:
Option C is the correct answer because option C recommends allowing access to all the employees. However, allowing access to all employees will reduce security and increase the risk level. While all given options are helpful in safeguarding the inventory except option C. Thus, in this case, it would be difficult to monitor every employee. So Option C is the right answer.
nature of uncollectible accounts the xyz corporation owns and operates hotels and casinos including the xyz grand and the bellagio in las vegas, nevada. as of a recent year, xyz reported accounts receivable of $639,000 and allowance for doubtful accounts of $136,107. patient care manufactures and sells a wide range of healthcare products including band-aids and tylenol. as of a recent year, patient care reported accounts receivable of $823,000 and allowance for doubtful accounts of $42,796. a. compute the percentage of the allowance for doubtful accounts to the accounts receivable for the xyz corporation. round your answers to one decimal place.
The allowance for doubtful accounts is a contra asset account that represents the estimated amount of accounts receivable that may not be collected.
To compute the percentage of the allowance for doubtful accounts to the accounts receivable for the XYZ corporation, we can use the following formula: Allowance for doubtful accounts / Accounts receivable = Percentage of allowance for doubtful accounts to accounts receivable
For XYZ corporation, the calculation would be:
$136,107 / $639,000 = 0.213, or 21.3%. This indicates that XYZ corporation estimates that 21.3% of its accounts receivable may not be collected. For patient care, the calculation would be: $42,796 / $823,000 = 0.052, or 5.2%. This indicates that patient care estimates that 5.2% of its accounts receivable may not be collected.
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the _________ ruling upheld the congressional power to regulate interstate commerce
The Wickard v. Filburn ruling upheld the congressional power to regulate interstate commerce.
The Wickard v. Filburn Supreme Court ruling, which took place in 1942, upheld the congressional power to regulate interstate commerce. The case involved a farmer, Roscoe Filburn, who had been growing wheat on his farm in Ohio to feed his livestock and family. The Agricultural Adjustment Act of 1938 established quotas on wheat production, and Filburn was penalized for producing more wheat than was permitted under the act. Filburn argued that his wheat was not sold or used in interstate commerce, and therefore the act did not apply to him.
However, the Supreme Court ruled that Filburn's actions, along with those of other farmers who exceeded their quotas, had an impact on the interstate wheat market and therefore could be regulated by Congress under the Commerce Clause of the Constitution. The ruling expanded the federal government's power to regulate economic activities that may have an indirect effect on interstate commerce, which has been a controversial issue in American politics and law ever since.
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What do you think Sam’s credit score is (from a range of 300-850)? from NGPF 6.3 Section 5 in "Intro to Credit"
Sam's credit score is likely to be lower which can approximately be 350 due to his high credit card balances, missed payment, frequent credit card applications, and short credit history.
Here is an assessment of each factor and its impact on his credit score to be 350:
1. He currently has 3 credit cards (+1) - Having multiple credit accounts can improve credit score as long as they are managed well.
2. He got his first credit card 8 months ago (-2) - Credit history length is an important factor in calculating credit scores. A shorter credit history can lower the score.
3. He doesn’t have any student loans (+3) - Not having student loans will not impact his credit score directly.
4. He has $4,000 currently outstanding on all his credit cards (-) - High credit card debt can lower the credit score.
5. He missed a payment in the last three months when he forgot to notify the card company that he had recently moved out of his apartment. (-) - Late payments have a significant negative impact on credit score.
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The complete question is:
You’ve been assigned to be the credit counselor for Sam. For Sam, follow the directions tounderstand the impact of certain financial decisions on his credit scores. SAM SPENDTHRIFT is a college junior. He couldn’t wait until he turned 21, so he could apply for a few credit cards. Here are some details about his profile:
1. All of his 3 credit cards currently have a balance, as he has had trouble paying off his card each month.
2. He doesn’t have any student loans.
3. He opened his last credit card 4 months ago.
4. He has $4,000 currently outstanding on all his credit cards.
5. He missed a payment in the last three months when he forgot to notify the card companythat he had recently moved out of his apartment.
What do you think Sam’s credit score is (from a range of 300-850)? from NGPF 6.3 Section 5 in "Intro to Credit".
enter information into accounting system means
Answer:
Answer:
Explanation:
These are the sales, cash receipts, cash disbursements, and purchases journals.
proceduresintegratedproceduresintegratedAnswerAnAnswerAn accounting system is a set of accounting processes with integrated procedures and controls. The intent of an accounting system is to record business transactions, summarize those transactions into an aggregated form, and create reports that can be used by decision makers to monitor, analyze, and improve operations.AnswerAnAnswerAnswerAnswer:
Explanation:
I want to hear about actionable steps you can take to apply what you have learned in Financial literacy. Approximately 250 words.
Based on financial knowledge, the actionable steps you can take to apply what you have learned in Financial literacy include Preparing a Budget.
What is Financial Literacy?Financial Literacy is a term that is used to describe the capacity to understand and effectively use various financial and monetary skills judiciously, such as personal financial management, budgeting, and investing.
Generally, there are various actionable plans individuals can utilize in their daily lives to improve their financial and economic situations.
The actionable plans from Financial Literacy include:Preparing a BudgetCreating a scale of preference Understand Your Credit ScoreOpen a Savings accountUnderstand LoansSecure Your FutureReduce SpendingCarry out investmentBuy stocks and shares.Buy appreciable assets, etc.Financial literacy is good knowledge to have to better your life and improve the living standard of your family and children.
Hence, in this case, it is concluded that Financial Literacy is nice proficiency to have.
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an investment offers $7,600 per year for 16 years, with the first payment occurring one year from now. assume the required return is 9 percent.
The final answer is approximately $77,604.13. This represents the present value of the investment, taking into account the cash flows of $7,600 per year for 16 years and a required return rate of 9%.
To calculate the present value of the investment, we can use the formula for the present value of an annuity:
PV = C * [(1 - (1 + r)^(-n)) / r]
Where:
PV = Present value
C = Cash flow per period
r = Required return rate
n = Number of periods
In this case, the cash flow per period is $7,600, the required return rate is 9% (0.09 as a decimal), and the number of periods is 16 years.
Plugging in the values:
PV = 7,600 * [(1 - (1 + 0.09)^(-16)) / 0.09]
Using a financial calculator or spreadsheet, the present value of the investment is approximately $77,604.13. This represents the current value of the investment, taking into account the future cash flows and the required return rate of 9%.
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How important is money
Answer:
very important
Explanation:
money is a global income source for everyone. we all have different types but it is all still money. now say one country got rid of money and had people pay for stuff using other things. if china did that lots of different countries wouldn't be able to get stuff from there unless they had so much of that product they could just give it up.
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During the___step of the product development process a business will
likely have a fully functioning prototype of a new product.
A. product and promotion development
B. idea screening
C. post-launch review
D. business analysis
During the option B. idea screening step of the product development process a business will likely have a fully functioning prototype of a new product.
What function does a prototype serve in the creation of a product?New product development often starts with a concept study, then moves on to prototype development, actual productization, production, and post-sale support.
Prototypes are physical depictions of the various stages of development from the initial concept to the finished product. Every stage of the prototyping process provides useful information on how to produce a final design that will best serve the development project's ultimate objectives.
Note that By using prototypes, you can ensure that your final product is both safe and compliant with regulations in your sector. Cost-saving measures - Any alterations you make during the prototyping stage, whether to the product design, the materials used, or the production procedures, may enable you to reduce the price of the finished product.
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Answer: A: product and promotion development
Explanation:
what one product did the chinese want from the british
The Chinese had a strong demand for opium from the British during the 18th and 19th centuries.
The Chinese had a strong demand for British goods, particularly opium. During the 18th and 19th centuries, the British East India Company smuggled opium into China, leading to a significant increase in addiction among the Chinese population. The Chinese government attempted to ban the opium trade, which resulted in the First Opium War between China and Britain.
The British emerged victorious in the war, and as a result, China was forced to sign the Treaty of Nanking in 1842. This treaty allowed the British to continue the opium trade and also opened up several Chinese ports to British trade.
The demand for opium in China was driven by addiction and the desire for profit. The British took advantage of this demand and supplied the Chinese market with opium, despite the negative consequences it had on the Chinese population.
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Apples are selling for .15 cents per apple. The amount you buy is 823 apples, and you decide to sell those apples for .75 cents per apple. What is the total revenue for selling these apples?
Answer:
123.45 cents
Explanation:
Revenue = price per unit x quantity sold
0.15 x 823 = 123.45