A low risk investment is an investment that has a relatively low probability of losing value.
What is low risk investment ?Low risk investments tend to offer lower potential returns in exchange for a reduced likelihood of losing money. Examples of low risk investments include:
Savings accounts and certificates of deposit (CDs) at banks and credit unions: These are generally considered very low risk investments, as they are insured by the Federal Deposit Insurance Corporation (FDIC) or the National Credit Union Administration (NCUA). However, they also tend to offer low returns in the form of interest.Money market funds: These are mutual funds that invest in very short-term, high-quality debt instruments such as government bonds and commercial paper. Money market funds are generally considered low risk, but they also offer relatively low returns.To learn more about low risk investment refer :
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what are some of the steps a business follows in preparing a monthly bank reconciliation
Steps for preparing a monthly bank reconciliation include obtaining the bank statement, comparing transactions, adjusting for outstanding items, finalizing the reconciliation, and investigating discrepancies.
How business ensure that their financial records accurately reflect the transactions processed by their bank?Preparing a monthly bank reconciliation is an essential task for any business to ensure that their financial records accurately reflect the transactions processed by their bank. Here are the steps typically followed in preparing a monthly bank reconciliation:
Obtain the bank statement: The first step is to obtain the bank statement for the relevant month from the bank. This statement will contain a record of all the transactions that have been processed by the bank during that period.Compare deposits: Compare the deposits listed on the bank statement with the deposits in the company's own accounting records. Look for any discrepancies, such as deposits that are missing from the bank statement or deposits that are listed on the bank statement but not in the company's accounting records.Compare checks: Compare the checks listed on the bank statement with the checks in the company's accounting records. Look for any discrepancies, such as checks that are missing from the bank statement or checks that are listed on the bank statement but not in the company's accounting records.Reconcile other transactions: In addition to deposits and checks, there may be other transactions listed on the bank statement, such as electronic funds transfers or bank fees. These should also be reconciled with the company's accounting records.Adjust for outstanding items: After comparing all transactions, there may be outstanding items that have not yet cleared the bank. These may include checks that have not yet been cashed or deposits that have not yet been processed. These outstanding items should be adjusted for in the bank reconciliation.Finalize the reconciliation: Once all transactions have been compared and any necessary adjustments have been made, the bank reconciliation is finalized. This will result in a reconciliation statement that shows the adjusted bank balance, the adjusted company balance, and any reconciling items that were necessary to make the two balances agree.Investigate discrepancies: If there are any significant discrepancies between the bank statement and the company's accounting records, they should be investigated to determine the cause of the discrepancy and to ensure that all transactions have been properly recorded.By following these steps, a business can ensure that their financial records accurately reflect the transactions processed by their bank, and can identify and resolve any discrepancies that may exist.
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T/F: one way of incorporating intangible benefits into the capital budgeting decision is to project conservative estimates of the value of the intangible benefits and include them in the npv calculation.
True, one way of incorporating intangible benefits into the capital budgeting decision is to project conservative estimates of the value of the intangible benefits and include them in the NPV calculation.
True. One way of incorporating intangible benefits into the capital budgeting decision is to project conservative estimates of the value of the intangible benefits and include them in the NPV calculation. The NPV calculation takes into account the present value of both tangible and intangible benefits and costs associated with an investment. By including conservative estimates of intangible benefits in the calculation, decision-makers can have a more accurate representation of the overall value of the investment.
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Analyse and discuss the term ‘buyer motivation', in relation to innovative banking products and services.
Answer: Buyer motivation could be described as factors(mind related) that are behind a customer's decision of purchasing an item.
Explanation:
Buyer motivation could be described as factors(mind related) that are behind a customer's decision of purchasing an item. Every customer buying an item will consider a lot of things before getting one, although this varies compared to other person's. Some may buy out of a need, others a want, some panic buy. They all vary. Buying is more of a physiological thing than any other thing.
what to do when unemployment benefits are exhausted?
Explanation: If a claimant's traditional unemployment benefits have been exhausted or a traditional claim has expired, individuals must file a new claim or reopen an existing claim to be determined for eligibility or to continue receiving benefits to which they may be entitled.
What is the amount of money it costs to display or broadcast an advertisement called?
In a retail setting, qualifying potential customers is.
In a retail setting, qualifying potential customers is the process of assessing their suitability and likelihood of making a purchase, enabling efficient resource allocation and targeted marketing strategies.
This process involves gathering information and evaluating various factors to identify the customers who are most likely to convert into actual buyers.
Qualifying potential customers serves multiple purposes. Firstly, it helps retailers allocate their resources effectively by focusing their efforts on customers who have a higher probability of making a purchase. This ensures that time, energy, and resources are utilized efficiently, leading to increased sales and improved customer satisfaction.
During the qualification process, retailers often consider factors such as the customer's needs, preferences, budget, and level of interest in the product or service. By understanding these factors, retailers can tailor their sales approach, provide relevant information, and offer suitable solutions that align with the customer's requirements.
Qualifying potential customers also helps retailers identify and prioritize their target market segments. By analyzing customer data, demographics, and purchasing behavior, retailers can identify the specific groups of customers that are more likely to engage with their products or services. This enables retailers to develop targeted marketing strategies and create personalized experiences to attract and retain their ideal customers.
Overall, qualifying potential customers in a retail setting is an essential process that allows retailers to maximize their sales opportunities, optimize resource allocation, and deliver a tailored shopping experience to customers, ultimately driving business growth and customer satisfaction.
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A less developed country with a rapidly expanding urban population is concerned that its growing urban population will eventually expand to a level where there would not be enough land to grow the food it needs to support its population.
i) Excluding importing food, propose a solution to address the concerns of reduced land on which to grow food.
Implementing vertical farming can address the concern of reduced land availability for food production in a rapidly expanding urban population.
Vertical farming is a solution that can address the concerns of limited land for growing food in a less developed country with a growing urban population. Vertical farming involves cultivating plants in vertically stacked layers or structures, using technologies such as hydroponics or aeroponics. This method allows for efficient use of limited space by utilizing vertical space instead of horizontal land.
By implementing vertical farming, the country can maximize food production within a smaller footprint. Vertical farming systems can be set up in urban areas, utilizing abandoned buildings, rooftops, or specially designed vertical farming facilities. These systems enable year-round productivity and can be tailored to the specific needs of different crops.
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an auditor sends a confirmation request to a third party asking them to return the completed form whether they agree or disagree with the stated amount written on the confirmation request. this is an example of which type of audit confirmation?
The scenario described in the question is an example of positive confirmation.
Positive confirmation is a method used by auditors to obtain direct communication from a third party about a particular assertion. The auditor sends a confirmation request to the third party requesting them to confirm whether the information provided by the client is accurate or not. In the case of a positive confirmation, the third party is required to respond to the request by providing the auditor with either an affirmative response, confirming the accuracy of the information provided, or a negative response, indicating that the information is not accurate.
Positive confirmation provides a high level of assurance to the auditor as it involves direct communication with the third party. This type of confirmation is particularly useful when dealing with large amounts or complex transactions. Positive confirmation is also useful when the third party is not known to the auditor or is unlikely to respond to other forms of evidence.
In conclusion, the example provided in the question is an instance of a positive confirmation. Positive confirmation is a valuable tool used by auditors to obtain reliable and direct communication from third parties regarding the accuracy of the information provided by the client.
The question was incomplete, Find the full content below:
an auditor sends a confirmation request to a third party asking them to return the completed form whether they agree or disagree with the stated amount written on the confirmation request. this is an example of which type of audit confirmation?
a. positive confirmation
b. negative confirmation
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JohnBoy Industries has a cash balance of $54,000, accounts payable of $134,000, inventory of $184,000, accounts receivable of $219,000, notes payable of $129,000, and accrued wages and taxes of $41,500. How much net working capital does the firm need to fund?
Answer:Net working capital = $152,500
Explanation:
Net working capital = CA– CL
Where CA= Current Assets = Cash + Inventory + Accounts Receivable
and CL= Current Liabilities= Account payable + Notes payable + accrued wages and taxes
CA=$54, 000 + $184,000 + $ 219,000 =$457,000
Current liabilities = Account payable + Notes payable + accrued wages and taxes
CL = $134,000 + $129,000 + $41,500 = $304,500
Net working capital = Current assets – Current liabilities
Net working capital = $457,000 – $304,500= $152,500
Net working capital = $152,500
you purchase a car for 20,000 you made a down payment of 5,000 and took out a loan for the rest. what is the principle balance of the loan
Answer:
15,000
Explanation:
The principal amount in a loan is the amount borrowed. It is the amount from which interest is calculated. When repaying a loan, the full principal amount and the interest must be paid.
The car is valued at 20,000. A deposit of 5000 is paid. the principal amount in the loan is 15,000. (20,000 - 5000)
which of the following describes the term productivity
Productivity is the measurement of physical output relative to each unit of input, typically expressed in labour hours.
What is Productivity?
Productivity refers to the efficiency with which goods or services are produced. Productivity can also be expressed as a ratio of the entire output to a single input, the sum of all the inputs utilised in a production process, or the output per input, usually over a defined time period. The (aggregate) measure of labour productivity, using GDP per worker as an example, is the most common illustration. The selection of a productivity definition (including those that do not refer to ratios of output to input) depends on the goal of the productivity assessment and/or the availability of data. The main cause of variation across productivity metrics is frequently (directly or indirectly) connected to how the inputs and outputs are combined to produce such a ratio-type productivity indicator.
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When a firm is producing at the level of output that maximizes profit which of the following is true
The primary purpose of a firm is to make "Profit" in the Long-run.
The maximization of profit in a firm occurs at the level of output where the marginal revenue equal to marginal cost \({MR = MC}\).As we know, the goal of a firm is to maximize profits and minimize losses, so a shutdown is immininent if a firm is operating at the level of output where marginal revenue is not equal or lesser that marginal cost.In conclusion, firm kept expanding its production capacity as long as its Marginal Revenue is greater than Marginal Cost \({MR > MC}\) but this changes when marginal revenue is equal to marginal cost \({MR = MC}\).
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Answer:
Marginal revenue is equal to marginal cost
You are given a cube of lead that is 1.000 cm on each side. the density of lead is 11.35 . how many atoms of lead are in the sample?
The atoms of lead that are in the sample is 0.329 atoms.
Given,
A cube of lead = 1.000 cm on each side.
Density of lead = 11.35 g/cm³
This is calculated below,
The volume of cube = a³ ( where a is the side of the cube )
Side of the cube = 1 cm
So the volume of cube = 1 cm³
Here, a formula will be used,
Density = Mass / Volume
Mass = Density × Volume
= 11.35 g/cm³ × 1cm³ = 11.35 g/cm³
The number of mole of lead = Mass / Molar mass
= 11.35 g/cm³ / 207.2
= 0.054 mol
The one mole of lead contain 6.022 × 10²³ atom
0.054 mole of lead contain 6.022 × 10²³ × 0.054 atom
Hence, 0.054 mole of lead contain 0.329 atoms.
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Morricone Inc. has a position in a stock portfolio comprising the companies listed in Table 1. Correlation coefficients between stock returns are given in the correlation matrix. Table 1 Stock Position (£m) Daily Volatility 15 1.45% Eastwood Inc. Van Cleef Inc. 16 1.25% Wallach Inc. 12 1.1% Correlation Matrix Eastwood Van Cleef Eastwood 1 0.7 Van Cleef 1 Wallach Wallach 0.65 0.85 1 (a) Calculate the 5-day 95% value at risk (VaR) for the portfolio. (b) Calculate the 5-day 95% VaR for equivalent positions in the individual assets. (c) Explain and critically evaluate your results from parts (a) and (b).
The 5-day 95% Value at Risk (VaR) for the portfolio is £0.3389 million, considering the correlation matrix and daily volatilities.The individual assets' equivalent positions have VaR values of £0.3364 million for Eastwood Inc. and £0.4144 million for Van Cleef Inc.The portfolio's VaR is slightly lower than the sum of the VaR for individual assets, indicating a diversifying effect due to the correlation between Eastwood Inc. and Van Cleef Inc.
To calculate the 5-day 95% Value at Risk (VaR) for the portfolio, we need to consider the correlation matrix and the daily volatilities of the stocks in Table 1.
The formula for portfolio VaR is given by VaR_portfolio = (Portfolio Volatility) * (Z-score), where the Z-score corresponds to the desired confidence level.
(a) To calculate the portfolio VaR, we first need to determine the portfolio volatility. Using the correlation coefficients and volatilities provided, we can calculate the portfolio volatility as follows:
Portfolio Volatility = sqrt[(w1^2)*(σ1^2) + (w2^2)*(σ2^2) + 2*(w1)*(w2)*(σ1)*(σ2)*(ρ12)],
where w1 and w2 are the weights of Eastwood Inc. and Van Cleef Inc. in the portfolio, σ1 and σ2 are their respective daily volatilities, and ρ12 is the correlation coefficient between them.
Plugging in the values, we get:
Portfolio Volatility = sqrt[(15^2)*(0.0145^2) + (16^2)*(0.0125^2) + 2*(15)*(16)*(0.0145)*(0.0125)*(0.7)] = 0.2058.
Next, we need to determine the Z-score corresponding to a 5-day 95% confidence level. Assuming a normal distribution, the Z-score for a 95% confidence level is approximately 1.645.
Finally, we can calculate the portfolio VaR:
VaR_portfolio = (Portfolio Volatility) * (Z-score) = 0.2058 * 1.645 = 0.3389.
Therefore, the 5-day 95% VaR for the portfolio is £0.3389 million.
(b) To calculate the 5-day 95% VaR for equivalent positions in the individual assets, we can apply the same formula as above but consider each asset individually. For Eastwood Inc., the calculation would be:
VaR_Eastwood = (Position) * (Volatility) * (Z-score) = 15 * 0.0145 * 1.645 = 0.3364 million.
Similarly, for Van Cleef Inc., the calculation would be:
VaR_Van Cleef = (Position) * (Volatility) * (Z-score) = 16 * 0.0125 * 1.645 = 0.4144 million.
(c) The results from parts (a) and (b) show that the portfolio VaR (0.3389 million) is slightly lower than the sum of the VaR for individual assets (0.3364 million for Eastwood Inc. and 0.4144 million for Van Cleef Inc.).
This suggests that the correlation between Eastwood Inc. and Van Cleef Inc. (0.7) has a diversifying effect, reducing the overall risk in the portfolio.
However, it is important to note that the VaR measure assumes a normal distribution of returns and relies on historical data, which may not accurately capture extreme market events or changes in correlations.
Therefore, VaR should be used as a tool for risk assessment alongside other risk management techniques and considerations.
In addition, the VaR calculated here only provides an estimate of potential losses at a specific confidence level (95% in this case) over a specific time horizon (5 days).
It does not capture the possibility of losses exceeding the VaR estimate in extreme scenarios. Therefore, it is crucial to continually monitor and assess risks in the portfolio.
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Mention five legal ways to spend money
Some ways that you can spend money legally are:
Buying booksGoing on a vacationBuying a companyGiving to the poor or a charityEmploying laborWhat is Money?This refers to the legal tender that is used for the buying and selling of goods and services that have an inherent value
Hence, we can see that based on the given question, money can be spent in a variety of ways legally and this includes starting a business, giving to the poor, etc.
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A group of investors is planning to open a new theme park. What supporting documents should be included?
An investment group wants to launch a brand-new theme park. The supporting papers that need to be submitted are the business plans.
This is further explained below.
What is a business plan?Generally, A number of business people are making preparations to launch a brand-new amusement park. It is important to include all of the relevant supporting papers in a business strategy.
In conclusion, A company's aims and the methods by which it intends to attain those goals are laid out in great detail in the document known as the business plan.
A written road map for the company, including its marketing, financial, and operational strategies, is presented in the form of a business plan. Business plans are useful for both newly founded businesses and more established ones.
An executive summary, sections on the goods and services, marketing strategy and analysis, financial planning, and a budget should all be included in a good business plan.
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what is y=x^3+7x^2+14x+8
Answer:
x=−2,−1,−4
Explanation:
you need to be more specific in what you want. These are the zeros for the problem
highlight characteristics of itinerant traders
if a country has a balanced budget and the government increases government spending without increasing taxes, what should happen to the budget and the national debt?
if a country has a balanced budget and the government increases government spending without increasing taxes, the national debt should increase, and the budget will no longer be balanced.
A balanced budget occurs when government spending is equal to government revenue. If the government increases spending without raising taxes, it will create a budget deficit, and the national debt will increase. This is because the government will have to borrow money to cover the shortfall between spending and revenue.
Increasing the national debt can have both short-term and long-term consequences. In the short-term, it can lead to higher interest rates and inflation, as the government competes with private borrowers for available credit. In the long-term, it can limit the government's ability to respond to future economic challenges and create financial instability.
Therefore, it is important for governments to carefully consider the trade-offs between short-term spending priorities and long-term fiscal sustainability when making decisions about government spending and taxation. Ultimately, balancing the budget and reducing the national debt should be a priority for ensuring a stable and prosperous economic future.
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What ethical dilemmas do you think professionals in the marketing and advertising industry face? Explain.
Answer:
knowing how to play on emotions but also not make people feel like terrible human beings?
Explanation:
To create a balanced budget one, must make sure to...
a) spend as little as possible
b) pay credit card payments first
c) spend less than or equal to income
d) pay off debts first
Answer:
c) spend less than or equal to income
by spending less than or equal to, you are balancing a budget. You are creating a balance between income and expense, which supports a steady/consistent, and logical budget.
^entire answer has been updated.
Use the data table to answer the question that follows.
Production Possibilities for One Year
Cheese
(millions of tons)
Tomatoes
(millions of tons)
United States
4
2
Italy
1
1
Which statement is supported by the data table?
The United States should produce neither cheese nor tomatoes but rather import them.
The United States should produce all its own cheese and tomatoes for consumption.
The United States should specialize in tomatoes and trade them for cheese from Italy.
The United States should specialize in cheese and trade them for tomatoes from Italy.
The United States can consume beyond its PPC by specializing in cheese and trading it for tomatoes from Italy.
What is PPC?The production possibility frontier (PPF) is a curve on a graph that depicts the potential output of two goods whose production is dependent on the same limited resource. Another name for the PPF is the production possibility curve.
PPF is important in economics as well. For instance, it can show that a country's economy has achieved the maximum level of effectiveness. The PPF illustrates that an increase in one commodity's production can only occur when the production of the other commodity falls.
Managers can use the PPF as a tool for making decisions when determining the best product mix for their organization. The production possibility frontier (PPF), which depicts situations that are impractical given the available resources, is above the curve.
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Answer: D
Explanation:
The fixed costs of doing business include
Answer:
Fixed costs are the costs associated with your business's products or services that must be paid regardless of the volume you sell. ... Insurance - the liability insurance you hold on your business. Rent - the rent you pay on your office, factory, and storage space. Utilities - electricity, water, and other utilities.
Explanation:
answer this question plz n thank you. (posted the 1st n 2nd question. gonna post 2 other ones.)
3. Many jobs in the Personal Services pathway—such as hairdresser, personal trainer, massage therapist or barber—involve caring for people’s physical needs. List two important qualities that might be needed for success in these kinds of careers and explain how each of the qualities you mentioned are important to finding success in this field.
Answer:
Confidece, and empathy.
Explanation:
Confidence to know you will do great at your job, and empathy to know how others feel about themselves!
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Which investment security has the least risk associated?
A) Mutual Funds
B) Stocks
C) Bonds
Answer:
I think it's Mutual Funds?
what is a current or existing system that will become the base for upgrading or integrating with a new system?
Answer:
Legacy System.
Explanation:
Legacy system is a current or existing system that will become the base for upgrading or integrating with a new system. Legacy system is computing software which is mostly outdated but it is still in use.
Explanation:
There are 5 basic supply chain activities accompanying undertakes to manufacture and distribute products which of the following occurs when you build relationships with the supplier too apply to procure raw materials
jan's company is reviewing how various media reach customers in finland. which element of the marketing mix is the company concerned with?
Jan's business is analyzing how various media outlets reach Finnish customers. This component of the marketing mix is connected to product characteristics, distribution strategy, communication strategy, and price strategy.
The marketing strategies that a company will use to sell its products or services are called the elements of a marketing mix. The following five factors should be taken into account: product, pricing, venue, promotion, and people. Find out more about how these components might improve the success of a company's marketing efforts.
The marketing mix makes it simpler to comprehend the possible advantages your product or service could have for customers. helps develop a successful product offering. helps in the creation, organization, and implementation of effective marketing activities. helps businesses use their advantages and cut unnecessary costs.
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Assume that you would like to put money in an account today to make sure your child has enough money in 10 years to buy a car. If you would like to give your child $10,000 in 10 years, and you know you can get 5% interest per year from a savings account during that time, how much should you put in the account now?
A typical decision made within the context of corporate strategy is:.
A typical decision made within the context of corporate strategy is to define the company's mission, vision, and values that will serve as a basis for all strategic decisions. These foundational elements represent the company's purpose, aspirations, and ethical principles and help to guide its strategic direction.
Another key decision made within corporate strategy is determining the company's competitive positioning within the market. This includes analyzing the market landscape, identifying potential competitors, and evaluating the company's unique strengths and weaknesses. Based on this analysis, the company can determine how it will differentiate itself from competitors and gain a competitive advantage.
In addition, corporate strategy also involves setting long-term goals and objectives for the company. These goals should be specific, measurable, attainable, relevant, and time-bound, and should align with the company's mission, vision, and values.
The company should also establish strategies and action plans for achieving these goals and regularly monitor progress towards them.Another important decision in corporate strategy is determining the appropriate portfolio of businesses for the company.
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_____ has become a major recipient of FDI and hit a record of $139 billion in 2018. Multiple choice question.