richard owns an insurance policy that is renewable only at the option of the insurance company. his policy is considered to be
Answers
A non-renewable insurance policy is a type of insurance policy that can only be renewed at the option of the insurance company. This type of policy does not guarantee renewal, and the insurer may choose not to renew the policy at any time.
This type of policy is becoming increasingly popular in the insurance industry as it allows the insurer to better manage their risk and to adjust premiums to reflect current market conditions. Non-renewable policies are typically issued for a set period of time. These can be beneficial for insurers as they can better manage their risk. However, they can be disadvantageous for policyholders as they do not guarantee renewal and the policy may be cancelled at any time.
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Related Questions
Advantages of using social media for a business (in terms of customer service)
Answers
P.s. if it’s a case study, make sure to apply :)
Net Income and OCF [LO2] During 2009, Raines Umbrella Corp. Had sales of $730,000. Cost of goods sold, administrative and selling expenses, and depreciation expenses were $580,000, $105,000, and $135,000, respectively. In addition, the company had an interest expense of $75,000 and a tax rate of 35 percent. (Ignore any tax loss carryback or carryforward provisions. ) a. What is Raines's net income for 2009? b. What is its operating cash flow? c. Explain your results in (a) and (b)
Answers
Raines Umbrella Corp.'s net income for 2009 was $107,250 and Raines Umbrella Corp.'s operating cash flow for 2009 was $242,250
a. To find the net income, we need to start with the company's revenue and subtract all expenses, including interest expense and taxes:
Revenue = $730,000
Cost of goods sold = $580,000
Administrative and selling expenses = $105,000
Depreciation expenses = $135,000
Interest expense = $75,000
Earnings before taxes (EBT) = Revenue - Cost of goods sold - Administrative and selling expenses - Depreciation expenses - Interest expense
EBT = $730,000 - $580,000 - $105,000 - $135,000 - $75,000
EBT = $(165,000)
Taxes = EBT * Tax rate
Taxes = $(165,000) * 35%
Taxes = $57,750
Net income = EBT - Taxes
Net income = $(165,000) - $57,750
Net income = $107,250
Therefore, Raines Umbrella Corp.'s net income for 2009 was $107,250.
b. To find the operating cash flow (OCF), we need to start with the company's net income and add back non-cash expenses like depreciation:
Net income = $107,250
Depreciation expenses = $135,000
OCF = Net income + Depreciation expenses
OCF = $107,250 + $135,000
OCF = $242,250
Therefore, Raines Umbrella Corp.'s operating cash flow for 2009 was $242,250.
c. Raines Umbrella Corp. had a net income of $107,250 for 2009, meaning that after all expenses and taxes were paid, the company had a profit of $107,250. This is a measure of the company's financial performance over the years.
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What was the primary reason that a fourth sector of the economy was created?
the increase in population
the digital revolution
the increase in demand for trade work
the Industrial Revolution
Answers
Answer:
its B: digital revolution
Explanation:
got right in edge
Click this link to view O*NET’s Tasks section for Municipal Firefighters. Note that common tasks are listed toward the top, and less common tasks are listed toward the bottom. According to O*NET, what are some common tasks performed by Municipal Firefighters? Check all that apply. directing traffic at accident sites analyzing evidence of criminal activity guarding crime suspects until they can be arrested searching burning buildings to locate victims rescuing victims from burning buildings and accident sites administering first aid and cardiopulmonary resuscitation to help injured people
Answers
Answer:
it's D E F
Explanation:
Answer:
i got abd on edg
Explanation:
the individual characteristics of elements of a system are as important as the characteristics of the system itself. group of answer choices true false
Answers
The individual characteristics of elements of a system are as important as the characteristics of the system itself is a true statement.
About system componentEach element in a system has its own characteristics, which are unique to it. These characteristics combine to form the characteristics of the entire system. These characteristics are, as a result, important because they have a significant impact on the system as a whole.
The individual elements that make up a system's characteristics are as important as the characteristics of the system itself because the properties of each component contribute to the system's functioning. For example, a car is composed of various components, including the engine, wheels, and gearbox.
Each of these components has its own set of characteristics, and if any of them fails, the car will not work correctly.It is critical to understand the individual properties of the components that make up a system to improve the system's performance.
In addition, if the properties of any component are not well-understood, it may be difficult to optimize the entire system's functionality. As a result, the individual properties of each component of a system are as important as the properties of the system as a whole.
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Surveys indicate that top contributors to job satisfaction are None of these choices competitive pay and fast career advancement O competitive pay and job security. Fast career advancement and job security organized management and fast career advancement,
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Surveys indicate that the top contributors to job satisfaction are a combination of competitive pay, job security, and fast career advancement. Organized management is also a factor that contributes to job satisfaction.
According to surveys, the most significant contributors to job satisfaction include a combination of competitive pay, job security, and fast career advancement opportunities. Employees value being fairly compensated for their work and having opportunities for growth and advancement within the organization. Additionally, job security provides a sense of stability and reduces anxiety about potential layoffs or job loss. Finally, organized management plays a role in creating a positive work environment, effective communication, and efficient processes, which can enhance job satisfaction.
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what combination of labor and capital would satisfy the input hiring rule that minimizes the cost of production, if the price of labor is $5 and the price of capital is $20?
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To find the combination of labor and capital that satisfies the input hiring rule that minimizes the cost of production, we need to consider the marginal product of each input and their prices.
The marginal product of labor is the additional output that is produced when one more unit of labor is added, while the marginal product of capital is the additional output produced when one more unit of capital is added.
Assuming that the production function is characterized by diminishing marginal returns to labor and capital, we can determine the optimal combination of labor and capital by comparing the marginal product of each input to its price. The rule is to hire each input until its marginal product equals its price.
In this case, the price of labor is $5 and the price of capital is $20. Suppose that the marginal product of labor is 20 units of output and the marginal product of capital is 40 units of output. We can determine the optimal combination of labor and capital by setting the ratio of their marginal products equal to the ratio of their prices. That is,
Marginal product of labor / Price of labor = Marginal product of capital / Price of capital
20 / 5 = 40 / 20
4 = 2
This implies that we should hire twice as much labor as capital. Specifically, we should hire 8 units of labor and 4 units of capital, since this combination satisfies the input hiring rule and minimizes the cost of production. The total cost of production would be $60, which is calculated as follows:
Cost = (Price of labor x Quantity of labor) + (Price of capital x Quantity of capital)
Cost = ($5 x 8) + ($20 x 4)
Cost = $40 + $80
Cost = $120
Therefore, the combination of 8 units of labor and 4 units of capital satisfies the input hiring rule that minimizes the cost of production.
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An annuity owner receives the same guaranteed payment every month. what type of annuity is it?
Answers
It is Fixed annuities.
The three primary annuity kinds are immediate or deferred variable annuities, fixed annuities, and fixed indexed annuities. When you will start receiving payments is indicated by the immediate and postponed classes. Fixed annuities ensure that the purchase money will receive a minimum amount of interest. The amount of income paid does not change from one payment to the next. A fixed annuity is a sort of insurance contract that guarantees the purchaser will receive a certain interest rate on their account contributions. A variable annuity, on the other hand, offers interest payments that may change according to the performance of an investment portfolio that the account owner has chosen.
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The journal entry a company uses to record accrued vacation privileges for its employees at the end of the year is:.
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The record of accrued vacation privileges in Journal entry will includes a Debit of Cash& Interest Expense and Credit of Notes Payable
What is a Journal entry?The Journal entry helps to record all basic financial transaction.
In conclusion, the record of accrued vacation privileges in Journal entry will includes a Debit of Cash& Interest Expense and Credit of Notes Payable
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highlight characteristics of itinerant traders
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Companies strive to resolve service problems in the best way possible because customers who have had a service problem that is resolved quickly and to their satisfaction tend to be more _________________ to the company.
Answers
Companies strive to resolve service problems in the best way possible because customers who have had a service problem that is resolved quickly and to their satisfaction tend to be more loyal to the company. Loyal customers are essential to the long-term success of any business.
They are more likely to recommend the company to others, provide positive reviews and feedback, and continue to purchase products or services from the company. Additionally, loyal customers are more forgiving of occasional mistakes or missteps by the company and are more willing to give them a second chance.
Furthermore, a strong focus on resolving service problems can help companies build a positive reputation in the industry. When customers see that a company is dedicated to addressing concerns and providing excellent customer service, they are more likely to view the company as trustworthy and reliable. This can attract new customers and increase overall revenue for the company.
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Which generation cohort has the most market buying power currently? generation Y tweens baby boomers generation X
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Baby Boomers, born between 1946 and 1964, currently hold the most market buying power compared to other generations.
This is due to a combination of factors such as their large population size, longer life expectancy, higher levels of disposable income, and accumulated wealth. Baby Boomers are also known to be brand loyal and willing to pay a premium for quality products and services, making them an important target market for many businesses. While Generation Y (also known as Millennials) is a large and influential cohort, they are currently in their early to mid-career stages and may not yet have as much purchasing power as Baby Boomers. Tweens (children between the ages of 8 and 12) are also a significant consumer group with a growing influence on family purchasing decisions, but their buying power is still relatively limited.
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Complete Question
Which generation cohort has the most market buying power currently?
a) Generation Y
b) Tweens
c) Baby Boomers
d) Generation X
Which of the following statements explains the difference between a lease and a loan?
a. At the end of a loan the car belongs to you, but at the end of a lease, the car still belongs to the
lease company.
b. At the end of a loan, the car still belongs to the lease company, but at the end of a lease the car
belongs to you.
C. A loan requires a large down payment at the beginning while a lease does not.
d. A lease requires a large down payment at the beginning while a loan does not
Answers
Answer:
A. At the end of a loan the car belongs to you, but at the end of a lease, the car still belongs to the
lease company.
Explanation:
The following statement which explains the difference between a lease and a loan, at the end of a loan the car belongs to you, but at the end of a lease, the car still belongs to the lease company. Thus, statement 'A' is the correct statement.
What is the difference between a lease and a loan?A lease is a long-term leasing arrangement for the use of a certain piece of equipment, whereas a loan is the borrowing of money. Loans and leases both offer advantages as a form of finance. The following are some crucial factors influencing your choice.
Loan: Typically, rates are variable and dependent on the prime rate or another index, like LIBOR. The monthly payout changes in line with changes in the index. This is advantageous when interest rates are down and harmful when they are rising. Banks won't fund machinery they don't understand or that they believe has little value as collateral.
Lease: Payments are typically fixed for the duration of the lease, barring any unusual terms. Budgeting and cash flow management are greatly facilitated by fixed payments. Because of our own financial capacity, we can finance most types of equipment.
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What is an example of form utility
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When making decisions, managers often must decide between doing what is beneficial for the firm in the short term, and what is beneficial for both the firm and society in the long term. To address this conflict, a firm must
Answers
When making decisions, managers are often faced with a conflict between what is beneficial for the firm in the short-term and what is beneficial for both the firm and society in the long-term.
This conflict arises because the actions that benefit the firm in the short-term may not necessarily align with the interests of society as a whole, which can lead to negative consequences for both the company and society in the long-term.
To address this conflict, a firm must adopt a long-term orientation and consider the broader social and environmental impacts of its decisions. This means looking beyond immediate financial gains and recognizing that actions taken today can have far-reaching implications for the company's reputation, customer loyalty, employee morale, and overall sustainability.
Firms that prioritize social responsibility and sustainable business practices are more likely to build strong relationships with stakeholders, including customers, employees, investors, and regulators. They are also better equipped to weather economic downturns and other disruptions, as they have diversified their risk and invested in building resilient supply chains and communities.
Ultimately, the key to addressing the conflict between short-term gains and long-term benefits is a commitment to corporate social responsibility (CSR) and sustainable business practices. By prioritizing the needs of society and the environment alongside those of shareholders, firms can create value for all stakeholders over the long-term, ensuring their continued success and impact.
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richard wants to prove that he is diligent and reliable. what is the best advice you can give him?
Answers
The advice I can give Richard is to demonstrate his industriousness and trust ability in everything he does.
He should be aware of his conduct, words and commitments, and take responsibility for his own geste He should be immediate and harmonious with his work, and be sure to follow all instructions and procedures. He should be visionary and take action when demanded, and show respect for everyone around him. He should insure that his work is of a high standard, and take responsibility for any miscalculations that he makes. also, he should be open to feedback and strive to learn and ameliorate. Above all, Richard should be honest and sincere in all his relations, and remain professional and gracious at all times. Through social harmony, Richard can prove to others that he's dependable and active.
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The fuel inputs per hour of plants 1 and 2 are given as:
F1=0. 6P? +60.0P, + 120 GHC/Hr
F2=0.30PZ + 30P2 + 150 GHC/Hr
30 Minutes
Determine the economic operating schedule and the corresponding cost of the generation if the
maximum and the minimum loading on each unit is 120 MW and 30 MW, the demand is 210
MW and the transmission losses are neglected. If the load is equally shared by both the units,
determine the saving obtained by loading the units as per equal incremental production cost.
Answers
To determine the economic operating schedule and the corresponding cost of generation, we need to calculate the fuel inputs for each plant based on the given equations.
Since the load is equally shared by both units, each unit will be operating at half of the total demand, which is 210 MW / 2 = 105 MW.
Plant 1 (F1):
F1 = 0.6P? + 60.0P + 120 GHC/Hr
F1 = 0.6(105)^2 + 60.0(105) + 120 GHC/Hr
F1 = 6615 + 6300 + 120 GHC/Hr
F1 = 13035 + 120 GHC/Hr
Plant 2 (F2):
F2 = 0.30PZ + 30P2 + 150 GHC/Hr
F2 = 31650 + 31.5Z + 150 GHC/Hr
For Plant 1 (F1), we'll use the minimum loading (P) of 30 MW:
F1 = 13035 + 120 GHC/Hr
For Plant 2 (F2), we'll use the maximum loading (P) of 120 MW:
F2 = 31650 + 31.5Z + 150 GHC/Hr
Case 1: Equal incremental production cost
F1 = F2
13035 + 120 GHC/Hr = 31650 + 31.5Z + 150 GHC/Hr
31.5Z = -18645 GHC/Hr
Z = -18645 GHC/Hr / 31.5
Z ≈ -592.857
Case 2: Maximum loading on Plant 2 (P) = 120 MW
F2 = 31650 + 31.5Z + 150 GHC/Hr
F2 ≈ 18947.857 + 150 GHC/Hr
Case 1:
Cost = 13035 GHC/Hr + 120 GHC/Hr
Cost ≈ 13155 GHC/Hr
Case 2:
Cost = 18947.857 GHC/Hr + 150 GHC/Hr
Cost ≈ 19197.857 GHC/Hr
Therefore, the economic operating schedule and the corresponding cost of generation are as follows:
Case 1 : Load Plant 1 (F1) at minimum loading (30 MW) and Plant 2 (F2) at Z ≈ -592.857 GHC/Hr
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Suppose that a life insurance company has guaranteed a payment of $14 million to a pension fund 4. 5 years from now. If the life insurance company receives a premium of $10. 4 million from the pension fund and can invest the entire premium for 4. 5 years at an annual interest rate of 6. 25%, will it have sufficient funds from this investment to meet the $14 million obligation?
Answers
No, it will not have sufficient funds and will be short $338,922.57 from this investment to meet the $14 million obligation
Spending money immediately in the pursuit of future growth is what it means to invest. An investment is the use of capital—such as time, money, effort, etc.—with the expectation of earning a return greater than the initial investment. Bonds, stocks, housing, and alternative assets are all considered to be investments because they are all utilised to generate future income. Investing doesn't always guarantee a value increase. you can end up with less cash than you had initially. Investment diversification can reduce risk, but it may also result in lesser income potential.
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a company had average total assets of $3,060,000, total cash flows of $2,160,000, cash flows from operations of $415,000, and cash flows from financing of $1,170,000. the cash flow on total assets ratio equals: multiple choice 12.86%. 24.42%. 13.56%. 38.20%. 70.59%.
Answers
Cash Flow on Total Assets Ratio measures the ability of a company to generate cash from operations compared to its total assets. The cash flow on total assets ratio equals 70.59%
Cash Flow on Total Assets Ratio measures the ability of a company to generate cash from operations compared to its total assets. It is used to see whether a company has the ability to fund the purchase of additional assets from its own cash generated from operations rather than using debt or equity capital.
A company had average total assets of $3,060,000, total cash flows of $2,160,000, cash flows from operations of $415,000, and cash flows from financing of $1,170,000.
So, Cash flows from investing = Total cash flows - (Cash flows from operations + Cash flows from financing)
$2,160,000 - ($415,000 + $1,170,000)
$2,160,000 - $1,585,000 = $575,000
Therefore, Cash flow on total assets ratio = Cash flows from operations / Average total assets
= $415,000 / $3,060,000= 0.1356 or 13.56%
Therefore, the correct answer is 13.56%.
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Calico Company has two operating departments: Department A and Department B. Department A occupies 30% of the floor space of the company but accounts for 75% of the sales of the company. Department B occupies 70% of the floor space of the company but accounts for 25% of company sales. Cleaning expense (an indirect expense of the company), which consists primarily of vacuuming the carpet is $30,000 each year. How much cleaning expense should be allocated to Department B
Answers
Answer: $21000
Explanation:
Based on the information given in the question, the cleaning expense should be allocated to Department B will be the percentage of floor space occupied by Department B multiplied by the cleaning expense. This will be:
= 70% × $30,000
= 70/100 × $30,000
= 0.7 × $30,000
= $21000
The owner of a bike shop would like to analyze the sales data to determine if the business is growing, declining, or remaining flat. The owner has the following data:
Sales Revenue Last Year =$125,000
Sales Revenue Current Year = $150, 000
What is the Sales Growth?
Do not forget to type the % symbol after multiplying your result by 100 to convert to percentage!
Hint: Your answer will NOT have decimal point.
Example: 75%
Answers
To calculate the sales growth, you can use the following formula:
(Sales Revenue Current Year - Sales Revenue Last Year) / Sales Revenue Last Year x 100%
Plugging in the numbers, we get:
($150,000 - $125,000) / $125,000 x 100% = 20%
Therefore, the sales growth is 20%.
Sales Growth = (Sales Revenue Current Year - Sales Revenue Last Year) / Sales Revenue Last Year × 100%
Sales Growth = ($150,000 - $125,000) / $125,000 × 100%
Sales Growth = $25,000 / $125,000 × 100%
Sales Growth = 0.2 × 100%
Sales Growth = 20%
Therefore, the Sales Growth is 20%.
The impact of Furman v. Georgia (1972) was that states had to
promise to use the death penalty only with approval from the Supreme Court.
throw out the old Miranda warning and write a new one.
agree to throw out all state laws regarding crime and impose national standards.
create clear standards to be applied fairly before imposing the death penalty.
Answers
Answer: D.create clear standards to be applied fairly before imposing the death penalty.
Explanation: The answer it's right there
The impact of Furman v. Georgia (1972) was that states had to
create clear standards to be applied fairly before imposing the death penalty.The Furman v. Georgia caseThis was a case that had to do with the cruel and the unusual way that people faced in the death penalty.
The case ruled that the death penalty was unconstitutional if it was applied in a discriminatory way.
It ruled that the eight amendment was being violated if used in this way.
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Which of the following are the three largest categories of federal government spending?
a. Infrastructure, Defense, and Science
b. Health, Military, and Interest on Debt c. Veterans, Infrastructure, and Education d. Education, Defense, and Food/Agriculture
Answers
Answer: Your answer is A)
Explanation: Because it is a lot of money to build roads, public/private buildings, and parks , and land.
The three largest categories of federal government spending should be infrastructure, defense, and science.
The following information should be relevant:
Discretionary spending should be considered for the national defense.Most of the spending is to be spent on the infrastructure as the roads should be built, for parking, etc.Therefore, the other options are incorrect.
Thus, we can conclude that the three largest categories of federal government spending should be infrastructure, defense, and science.
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Of the following, which is most likely to deny private property rights? Kantian Utilitarianism Justice Libertarian Theism
Answers
Libertarian Theism is most likely to deny private property rights because libertarians aim to maximize bodily autonomy and political freedom and minimize the state's intrusion .
Option d is correct .
Libertarianism holds that the government ought to have less control over the lives of its constituents. It is based on the idea of total freedom. Giving people more freedom of choice, according to libertarians, is generally preferable. Violations of individual liberties by focusing on the rule of law, pluralism, cosmopolitanism, cooperation, civil and political rights, free association, free trade, freedom of expression, and freedom from oppression.
The idea of a state is rejected by libertarian socialism. It claims that authoritarian instituontis must be abolished in order to create a society based on freedom and justice since they govern certain production methods and place the majority under political or social control.
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The organization, distribution, balance, and general relationship of actors and objects within the space of each shot is called ________.
Answers
It should be noted that organization, distribution, balance, and general relationship of actors that exists in space of each shot is called Composition.
What is Composition?Composition serves as the coming together of organization as well as balance in a specific space.
This usually help to bring a good relationship between the elements of the organization and aid corporation.
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Question #4
Multiple Choice
Values are principles that typically guide or influence an individual's decision-making process. Two
areas of life most often affected or influenced by values include
emotions and reactions
decisions and responses
physical health and feelings
attitudes and behaviors
Answers
The two spheres of life that are most frequently impacted or altered by values are attitudes and behaviors. The correct response is option (4).
Define attitudes and behaviors.An individual's attitude is defined as their mental perspective, or how they feel or think about someone or something. Behavior describes the actions, motions, conduct, or behaviors of an individual or a group toward other individuals. built upon. Experience and observation.
When people put more focus on their own attitudes and feelings, they tend to act more in line with those feelings, therefore there is a link between attitude and behavior. Additionally, when people feel greater responsibility for their individual actions rather than the actions of a collective, their opinions are more consistent with their behavior.
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if the maturity of a company's liabilities is less than that of its assets, the company incurs a refinancing risk. group of answer choices true false
Answers
The given statement "if the maturity of a company's liabilities is less than that of its assets, the company incurs a refinancing risk" is true because refinancing risk occurs when a company has to refinance its existing liabilities before their maturity date and is unable to do so.
This situation arises when the maturity of a company's liabilities is shorter than that of its assets. In this scenario, if interest rates increase or there is a liquidity crunch, the company may find it difficult to repay its debt obligations. This can lead to default on the loan, which may result in the company's credit rating being downgraded. A downgrade in the credit rating can lead to higher borrowing costs, making it more difficult for the company to refinance its existing debt.
As a result, the company may have to resort to more expensive financing options, which can have a negative impact on its profitability and financial stability. Therefore, it is important for companies to manage their refinancing risk by aligning the maturity of their assets and liabilities and maintaining a strong credit rating.
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If, after interviewing, you are sure a job is not for you, it is not necessary to send a thank-you note. Please select the best answer from the choices provided T F.
Answers
It is false that a thank-you note is not necessary to be sent even when one is sure the job is not for you..
Basically, an interview is conducted by the recruiting firm to assess the various skills, behavior of the job applicant.
This thank-you-note is a sign of good gesture and can even influence the employer to consider the job applicant for the applied role.In conclusion, It is false that a thank-you note is not necessary to be sent even when one is sure the job is not for you
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Answer:
f
Explanation:
Net Purchases + Purchases Returns and Allowances + Purchase Discounts equals:
O A. Gross Profit.
OB. Gross Purchases.
O C. Net Income.
OD. Net Loss.
Answers
Answer:
OB. Gross Purchases.
Explanation:
Gross purchases represent all the purchases a business made in a particular period. It includes returns outwards ( purchases returns), discounts and allowances received.
Net purchases are calculated by subtracting purchase returns, discounts received, and allowances from gross purchases.
Therefore, Net Purchases + Purchases Returns and Allowances + Purchase Discounts= gross purchases.
List 5 motives for the construction of various media.
Answers
Explanation:
For the construction of various media, the five motives are as follows
1. Develop connections and make connections: For motivating the social media we have to establish the connections and through it, we can easily make the connections,
2. Sharing the news of the company: Post the news of the company to various social media so that the public at large get attracted towards it
3. Voice opinion: Voice opinion also matters for establishing the several medias
4. People opinion for the company: Customer satisfaction is the utmost priority for the company so that the company could able to know what changes are required in the product to deliver it in the best manner
5. Communicated with employees: The communication with the employees also matters as the employees could be delivered their idea to better the company services