You are offered an annuity that will pay $20,000 per year for 10 years. The appropriate discount rate is 8%.
What is the annuity worth to you today if the first payment will be made one year from now? (Do not round intermediate calculations. Enter the answer in dollars. Round the final answer to 2 decimal places. Omit $ sign in your response.)
Present value of annuity $
What is the annuity worth to you today if the first payment is made today? (Do not round intermediate calculations. Enter the answer in dollars. Round the final answer to 2 decimal places. Omit $ sign in your response.)
Present value of annuity due

Answers

Answer 1

1.The annuity worth today if the first payment will be made one year from now is $134,201.62. 2. The annuity worth today if the first payment is made today is $144,937.75

Step 1

1.Calculation of Present Value of Ordinary Annuity (PVA) = Pmt*PVIFA 1%, n periods

PVA ordinary =20000 PVIFA 8%, 10years =20,000 × 6.710081

= 134,201.620000

Present Value of Ordinary annuity is that where the cash flows occur at the end of each period. PMT = Payments i.e $20,000 each year, i=discount rate i.e 8% and n= number of years i.e 20

Step: 2

2. Calculation of Present Value of Annuity Due =PMT*PVIFA i%, nyears *(1+i) due = 20000 PVIFA 8%, 10 years* (1+0.08) = 20,000 × 6.710081 x 1.08 = 144,937.749600

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Related Questions

hich pricing strategy involves setting a high price for an exclusive, high-end product?

Answers

Yes, this encourages the buyer to pay more for an item especially if it is by a well known branded. This gives them to opportunity to brag and boast with their purchase. Also when the product is well known consumers are going to try their absolute best to buy it, this is going to make the product scare, hence increasing its price.

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Why is it important to develop an idea of your potential career cluster now?

Answers

Answer:

Career Clusters have the knowledge and skills that learners need as they follow a pathway toward their career goals.

If a company in Italy wants to produce children's clothes with Mickey Mouse on them, it must get permission from Disney and pay a fee. This is called

Answers

Licensing refers to the process by which a company obtains permission from the owner of intellectual property rights to use its property in exchange for a fee or royalty. Here option A is the correct answer.

In this case, when a company in Italy wants to produce children's clothes with Mickey Mouse on them, they need to obtain a license from Disney. Disney, as the owner of the character Mickey Mouse, holds the intellectual property rights, including copyrights and trademarks, associated with the character.

To legally use Mickey Mouse on their products, the company in Italy must enter into a licensing agreement with Disney. This agreement will outline the terms and conditions under which the company can use the character, including the payment of a licensing fee.

By obtaining a license, the company ensures that they have the legal right to use the Mickey Mouse character, avoiding copyright infringement or trademark violation claims.

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Complete question:

What is the term used when a company in Italy wants to produce children's clothes with Mickey Mouse on them and needs to obtain permission from Disney and pay a fee?

A) Licensing

B) Copyright infringement

C) Trademark violation

D) Patent acquisition

How can being smart, kind and generous make you a better person? Click to add to​

Answers

Answer:

it will help you in life

Explanation:

when your kind and generous you can get a better job and to help you make friends and also you can be smart  because you can apply to be a teacher or a tutor to help others

Explain why socialist societies do not use a circular flow chart.

Answers

They don’t use a circular flow chart because it don’t give a precise answer to what they are answering.

Evaluate whether a business should made decisions solely on the basis of the profit made or weather it should also consider other factors.​

Answers

While profit is important, it should not be the only factor that businesses consider when making decisions. A holistic approach that takes into account the impact on the environment, employees, and wider society is essential for sustainable success.

While profit is certainly a crucial factor for any business, it should not be the sole consideration when making decisions. There are other important factors that should be taken into account to ensure that the business is sustainable in the long run.
One such factor is the impact on the environment. Companies have a responsibility to reduce their carbon footprint and to minimize the negative impact of their operations on the environment. Failing to do so could result in a damaged reputation and loss of customers who are increasingly concerned about the environment.
Another important consideration is the well-being of employees. A business that values its employees and creates a positive working environment will be more productive and have lower turnover rates. It is also important for businesses to be socially responsible and to give back to the community through charitable donations and other initiatives.
Furthermore, businesses must also consider their impact on the economy. Decisions that negatively affect other businesses or the wider community could have negative consequences in the long term.
In conclusion, while profit is important, it should not be the only factor that businesses consider when making decisions. A holistic approach that takes into account the impact on the environment, employees, and wider society is essential for sustainable success.

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A business should not make decisions solely based on profit but should also consider other factors. While profit is a crucial aspect for the sustainability and growth of a business, focusing exclusively on profit can lead to negative consequences in the long run. Here are some reasons why businesses should consider other factors:

1. Ethical and Social Responsibility: Businesses have a responsibility to act ethically and consider the impact of their decisions on society and the environment. Ignoring ethical considerations can lead to reputational damage, legal issues, and loss of public trust.

2. Customer Satisfaction: Satisfying customer needs and providing value should be a priority for any business. A sole focus on profit may lead to compromising product quality, customer service, or neglecting customer feedback, which can ultimately harm the business's reputation and customer loyalty.

3. Employee Well-being: Employees are vital to the success of a business. Considering factors such as fair wages, a safe working environment, and opportunities for growth and development can enhance employee morale, productivity, and retention. Ignoring employee well-being may lead to high turnover rates, decreased productivity, and a negative work culture.

4. Long-Term Sustainability: Making decisions with a long-term perspective is essential for the sustainability of a business. Focusing solely on short-term profit may result in neglecting investments in innovation, research and development, employee training, and market expansion, which can limit the business's ability to adapt to changing market dynamics and stay competitive.

5. Stakeholder Relationships: Businesses operate within a network of stakeholders, including suppliers, investors, communities, and regulators. Considering the interests and maintaining positive relationships with these stakeholders is vital for long-term success. Ignoring stakeholder concerns may result in legal and regulatory challenges, supply chain disruptions, and damage to the business's overall reputation.

In conclusion, while profit is important for the viability of a business, decisions should also consider ethical, social, and long-term factors. By adopting a holistic approach, businesses can build a sustainable and responsible foundation that benefits all stakeholders and ensures long-term success.

Which of the following are signs of a person being in credit distress?
A. Writing a check to make debt repayment
B. Making all debt repayments in full
C. Only making minimum payments on credit cards each month
D. Paying-off an automobile loan 12 months early

Answers

I think the answer is C

Only making minimum payments on credit cards each month.

What's a distressed borrower?

A distressed borrower is a borrower who is unable to completely repay their debt on time, due to economic difficulties. A distressed borrower can be both someone or an enterprise whose profits fall because of unexpected circumstances.

What takes place in monetary distress?

Monetary misery is a condition wherein an agency or man or woman can not generate sufficient revenues or profits, making it unable to fulfill or pay its monetary obligations. That is generally because of high fixed costs, a big diploma of illiquid property, or sales sensitive to financial downturns.

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If you get 20% off of an item that is now $320, what was the original price before the discount?

Answers

The original price would be 400$ :)

of the following statements, which is accurate regarding and its sponsored links? the payment involved is not performance-based. the amount that an advertiser owes for each click-through is set by the iab. as in the case of banner ads, advertisers pay just for being included in the search results. the advertisers pay only when a search engine user clicks on the link and visits the sponsor's site. the amount that an advertiser owes for each click-through is set by .

Answers

The accurate statement regarding sponsored links and its payment method is that "the advertisers pay only when a search engine user clicks on the link and visits the sponsor's site.

"Unlike banner ads, advertisers pay just for being included in the search results. The payment involved is not performance-based. The amount that an advertiser owes for each click-through is set by the advertiser and not the IAB (Internet Advertising Bureau).Advertises bid on the keywords they think their potential customers would enter while searching for a particular product or service.

The higher the bid, the higher the position of the ad in the sponsored search results. They then create ads that are displayed on search engine results pages (SERP) when someone enters that keyword into the search engine. Advertisers pay only when a search engine user clicks on the link and visits the sponsor's site.Sponsored search ads are usually sold through an auction-based model.

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the statement "the customer is always right" is an example of which level of organizational structure in Schein's model?

Answers

According to Schein's model of organizational culture, the statement "the customer is always right" is an example of an artifact, which is the most visible and superficial level of organizational structure.

Artifacts are the observable components of an organization's culture, such as its language, symbols, and rituals. In this case, the statement "the customer is always right" is a common phrase used in customer service and sales, which reflects the organization's values and priorities in dealing with customers.

However, it is important to note that artifacts alone do not fully capture the complexity and depth of an organization's culture, as they are influenced by the underlying assumptions and values that shape behavior and decision-making.

Therefore, while artifacts provide a glimpse into an organization's culture, they must be analyzed in the context of the deeper levels of culture to fully understand its impact on organizational behavior and performance.

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what are the major works of JT? Explain in point.......​

Answers

The JT data model is capable of representing a wide range of engineering data. This data can be very lightweight, holding little more than facet data or it can be quite rich, containing complete NURBS geometry representations along with product structure, attributes, meta data and PMI. It also supports multiple tessellations and level-of-detail (LOD) generation.

Description
Term
This term refers to the transaction costs, including fees and expenses, incurred by the buyer during the purchase of a property that is over and above the price of the property.
This term is used to describe the situation in which the market value of a parcel of real estate is lower than the amount owed on the loan used to purchase the parcel.
This is a term used by financial lenders defined as the ratio of the loan underwritten to the value of the
property in consideration.
This refers to the conditions attached to an offer to purchase property that is included in the contract which states that the buyer can back out if the certain reasonable conditions are not fulfilled, for example the lack of financing
This refers to the situation in which a homeowner is unable to make the principal and interest payments on his or her mortgage, so the lender can seize and sell the property as sppulated in the terms of the mortgage contract

Answers

In the world of real estate, there are several key terms that buyers, sellers, and agents must know. Here is a brief description of five of the most important real estate terms that everyone should understand:

1. Closing costs:This term refers to the transaction costs, including fees and expenses, incurred by the buyer during the purchase of a property that is over and above the price of the property. Closing costs typically include title fees, attorney fees, and appraisal fees, among other things.

2. Underwater mortgage:This term is used to describe the situation in which the market value of a parcel of real estate is lower than the amount owed on the loan used to purchase the parcel. When a homeowner has an underwater mortgage, it can be difficult to sell the property without taking a loss.

3. Loan-to-value ratio:This is a term used by financial lenders defined as the ratio of the loan underwritten to the value of the property in consideration. The loan-to-value ratio is an important metric for lenders to use when determining whether to underwrite a loan, and if so, how much to lend

.4. Contingency :This refers to the conditions attached to an offer to purchase property that is included in the contract which states that the buyer can back out if the certain reasonable conditions are not fulfilled, for example the lack of financing. In other words, if certain conditions are not met, the buyer has the option to cancel the sale without any penalties.

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Which ethnic group in the u.s. tends to earn more, have more schooling, and be more likely to be professionally employed or own a business?

Answers

The ethnic group in the United States tends to earn more, have more schooling, and be more likely to be professionally employed or own a business is Asian American. The correct option is d.

Asian Americans are people of Asian descent in the United States (including naturalized Americans who are immigrants from specific parts of Asia and their descendants).

Although this term was historically used to refer to all indigenous peoples of Asia, the United States Census Bureau now uses the term "Asian" to refer to people with origins or ancestry from the Far East, Southeast Asia, and the Indian subcontinent and excludes people with ethnic origins in other parts of Asia, including West Asia, who are now classified as Middle Eastern Americans.

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The question is incomplete, but the complete question most probably was:

Which ethnic group in the United States tends to earn more, have more schooling, and be more likely to be professionally employed or own a business?

A) Northern European

B) Middle Eastern

C) Hispanic

D) Asian American

E) African American

D) Asian American

Tommy is the ceo of a private start-up firm that is valued at just over $1. 2 billion dollars. His firm can be classified as being a?

Answers

Tommy, as the CEO of a private start-up firm that is valued at just over $1.2 billion, can classify his firm as a unicorn. A unicorn refers to a privately held start-up company that has reached a valuation of over $1 billion. This term became popular in the venture capital industry to represent the rarity and success of such companies.

These firms often operate in the technology sector, but can also be found in other industries.  Being classified as a unicorn is significant because it indicates that the start-up has achieved a high level of growth and potential. It is a testament to the firm's ability to disrupt industries and generate substantial value. Unicorn companies are typically highly sought after by investors due to their potential for significant returns on investment.

In summary, Tommy's firm can be classified as a unicorn, which is a privately held start-up company valued at over $1 billion. This classification signifies the firm's exceptional growth and potential.

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• Is provided by the government through its

Answers

Answer:

Powers not granted to the Federal government are reserved for States and the people, which are divided between State and local governments.

PLEASE HELP QUICKLY: (FIRST ANSWER GETS BRAINLIEST) PERSONAL & FAMILY FINANCE


Trina wants to start a company that makes clothing. She has a lot of ideas, but she doesn’t have any sewing machines to use to make the clothes. Which category of economic resource does she require?




labor




entrepreneurial ability




capital

Answers

Answer:I think b

Explanation:

Trina requires capital category of economic recourse because to buy sewing machines. The correct optin is (c).

What is capital in business?

Capital in business refers to the cash, machines, any type of assets, bills receivable, patents etc. which is used for the business purpose.

Capital is the life line of every business. Every business assets which are used for the business activity they create the value of the business and consider as the capital of the business. Capital is the financial assets which is used in the business.

Trina wants to start the business for making clothes, so she wants to buying the sewing machines for their business and in this case the lack of capital resources. Trina wants cash to buy the sewing machines to the

start the business.

Capital is classified as assets in terms of accounting. Capital is the blood of business. Therefore to every entrepreneur needs the capital for their business/company.    

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ok, so actually im not here for my own answer. Im helping others who do need help right now so just reply if u need help<3

Answers

Answer:ok I need help

Explanation:

ok, so actually im not here for my own answer. Im helping others who do need help right now so just reply

70 of 500 respondents say they would visit a trampoline park. What percentage of respondents is this?.

Answers

Answer:

Should be 14%

Explanation:

70 divided by 500 is 0.14 then move the decimal.

ABC Corporation had total quick assets of $6,548,000, current assets of $12,220,000, and current liabilities of $8,400,000. Its acid-test ratio equals:

Answers

The acid-test ratio of ABC Corporation can be calculated using the given information.

The acid-test ratio, also known as the quick ratio, measures a company's ability to meet its short-term obligations using its most liquid assets. It excludes inventory from the calculation as inventory may not be easily converted into cash. To calculate the acid-test ratio, we subtract inventory from current assets and divide the result by current liabilities.

Given:

Quick assets = $6,548,000

Current assets = $12,220,000

Current liabilities = $8,400,000

To calculate the acid-test ratio, we need to subtract inventory from current assets. Since the inventory value is not provided, we cannot calculate the exact acid-test ratio in this case. However, if we assume that quick assets include all assets except inventory, we can calculate the acid-test ratio as follows:

Acid-test ratio = (Quick assets - Inventory) / Current liabilities

Without the inventory value, we cannot provide a specific numerical value for the acid-test ratio, but this is the general formula used to calculate it.

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What is the danger of having a lot of debt?
(brainlyest)

Answers

Answer:

probably not paying it off in time or something

Explanation:

The four main consequences are: Lower national savings and income. Higher interest payments, leading to large tax hikes and spending cuts. Decreased ability to respond to problems.

Your finance rate is determined by your credit history and credit rating.
True
False

Answers

Answer: True!

Explanation:

Match the examples with the types of goods.
To match them, click the example, and then click the type of good.
Unsought good
Omar buys a snack bag of chips that he noticed while
waiting in line at the store.
Joaquin pays for renters' insurance so that he will get
paid if his belongings are destroyed in an accident or
burglary
Convenience
impulse good
Jamie goes to the store to buy toothpaste.
Convenience
staple good
Wanda reads reviews of different video cameras to
decide what brand she wants, and then chooses the
store with the lowest price on that item.
Shopping good
Adriana only buys doughnuts from her favorite local
doughnut shop.
Specialty good

Answers

Answer:

Omar buys a snack pack of chips that he noticed while in line at the store - Convenience impulse good. Convenience impulse good are good which entices the consumer which leads to he making purchase without researching or thinking.

Joaquin pays for renters' insurance so that he will get paid if his belongings are destroyed in accident or burglary - Unsought good. Unsought good are goods that the consumer has no prior knowledge on and usually purchased out of fear.

Jamie goes to the store to buy toothpaste - Convenience staple good. Convenience staple good are goods regularly consumed.

Wanda reads review of different video cameras to decide what brand she wants, and then chooses the store with the lowest price on that item - Shopping good. Shopping good are goods purchased after consumer had compared its prices, quality in different store.

Adriana only buys doughnuts from her favorite local doughnut shop - Specialty good. Specialty good are goods which specific characteristics and benefit such that consumer has a reason for purchasing it.

Mario Gillespie owns 200 shares of Asset Investment
Corporation. He paid $32.75 per share. Asset Investment
pays a $5.00 per share dividend.
a. What is the total annual dividend?
b. What is the annual yield?

Answers

Answer:

A.

Explanation:

$1000

The total annual dividend is $1000.

The annual yield is 15.26%

What are shares?

A share can also refer to something like a unit of an unit trust, a limited partnership, or a property investment trust. A share is a quantity of shareholdings in the financial assets of a firm. The term "share capital" describes all of an organization's shares.

The information that was given was:

The total number of shares was 200

The amount that needs to be prepared is $32.75

The dividend that was received was $5

The total annual dividend will be calculated as:

annual dividends = dividends per period * dividend frequency

= 200 * $5.00

= $1000

The annual yield will be calculated as:

dividend yield = (annual dividends/share price) * 100

= (5 / 32.75)*100

= 0.1526 * 100

= 15.26%

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In Exhibit 2-13, if the economy decides to locate at point E, then: Group of answer choices the economy could not survive because no food is being produced. the maximum number of consumption goods is being produced. the economy has not achieved maximum efficiency. the economy has not achieved full employment. this is the best choice for this economy.

Answers

If the economy decides to locate at point E, then the economy could not survive because no food is being produced.

What is the production possibility curve?

The production possibility curve shows the various combination of two goods a company can produce when all its resources are fully utilised.

The production possibility curve is concave to the origin. As more  quantities of a product is produced, the fewer resources it has available to produce another good.

Point outside the production possibility curve not attainable given the level of resources. Points inside the production possibilities curve means that the nations resources are not being fully utilised.

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In Exhibit 2-13, if the economy decides to locate at point E, then: Group of answer choices the economy

Which method of preparing the operating activities section of the statement of cash flows consists of a summary of all operating transactions that result in either a debit or a credit to cash?.

Answers

Direct method is used for preparing the operating activities section of the statement of cash flows consists of a summary of all operating transactions as, direct method is one of the two accounting methods used to prepare the cash flow statement will be used.

Under the direct method, the most significant actual cash receipts and payments are recorded in the cash flow statement. The direct method is the method of presenting and creating a cash flow statement, listing cash receipts and payments for operations in the cash from operations section. In other words, the direct method calculates net cash operating activity by subtracting gross operating cash payments from gross cash receipts.

This method is called the direct method because it is much easier to calculate the net cash flow from operations than the indirect method. The direct method uses a simple income statement-style approach of adding income and subtracting expenses. This is a very clever way of presenting this section.

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a small business owner has created a linear regression model to predict the number of new customers who will visit a shop based on the number of times the owner has an advertisement played on the radio. what is the explanatory variable and what is the response variable? responses explanatory: number of new customers; response: number of times the advertisement is played explanatory: number of new customers; response: number of times the advertisement is played explanatory: number of times the advertisement is played; response: number of new customers explanatory: number of times the advertisement is played; response: number of new customers explanatory: number of times the advertisement is played; response: number of purchases made by customers explanatory: number of times the advertisement is played; response: number of purchases made by customers explanatory: number of purchases made by customers; response: number of times the advertisement is played explanatory: number of purchases made by customers; response: number of times the advertisement is played explanatory: number of previous customers; response: number of new customers

Answers

Explanatory variable  is   number of times the advertisement is played and response variable is  number of new customers.

What are explanatory variables?

A response variable is what changes as a result of an explanatory variable being changed (for example, caffeine dose) (e.g., reaction times). Other phrases used in research, such as "explanatory variable" and "response variable," are sometimes interchangeable with these two meanings.

What role does the explanatory variable play?

One variable may be used to forecast or account for variations in another variable in some research projects. In those circumstances, the explanatory variable is utilized to forecast or account for variations in the response variable. The explanatory variable in an experimental study is the variable that the researcher manipulates.

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if investors believe that others have superior information which they can take advantage of by copying their trades, this can lead to: group of answer choices an informational cascade effect. a disposition effect. a sensation seeking effect. an overconfidence bias.

Answers

If investors believe that others have superior information which they can take advantage of by copying their trades, this can lead to an informational cascade effect. So, the correct answer is "an informational cascade effect"

An informational cascade occurs when people make decisions based on the actions of others, assuming that those individuals possess more accurate information. This can result in a domino effect, where one investor's decision influences another, creating a chain reaction of investment choices.

The danger of this effect is that it can lead to herd behavior, where investors ignore their own analysis and blindly follow the actions of others, leading to market bubbles or crashes. It's important to note that relying solely on the decisions of others without considering one's own analysis may not always lead to the best outcomes.

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Enterprise project management softwares are also known as _____ tools of project management software. group of answer choices

Answers

Enterprise project management tools or software are also known as high-end tools of project management software. While the other options such as baseline, midrange, and low-end are incorrect because these are not used at the enterprise level.

Project management tools or software generally classified into three categories are process management software, time accounting software, and project management software. Selecting the desired category of software depends on the organization structure or project complexity. However, larger enterprises use high-end project management software.

An example of high-end project management software is Primavera Project Planner which is also called P3. The high-end project management tools or software include the features of mid-range project management software.

While the other options are incorrect because:

Mid-range Project management software generally has better tracking and output capabilities, and better scheduling functionalities, but it is more costly than low-end tools. The best examples of these tools are Project Scheduler and CA-SuperProject.

Low-end project management mostly has scheduling functionality or features but has less robust tracking functionality. Some examples of low-end project management tools or software are MS-Project SureTrak etc. It is less costly than mid-range software.

While the baseline is a term that is used as starting point in project management.

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Agnestorm, a game designing company, has one opening each for the positions of game designer, game programmer, and game artist. The company decides to invite walk-ins to find the right candidates to fill these positions. In this scenario, Agnestorm is engaged in the process of _____.

Answers

Answer:

External recruiting

Explanation:

External recruitment is the evaluation made with respect to the pool of job candidates without considering the existing staff to watch whether there is skilled or qualified candidate to fill existing job vacancies. Basically it is a process of searching outside so that they could fill the vacancies of the organization

So according to the given situation Agnestorm would be engaged in the process of external recruiting

Which of the following methods would be most appropriate for an emotional appeal?
A.Telling a story about people who resemble the target audience
B.Creating a contrast with the surrounding environment
C.Asking the audience to act
D.Providing information about the product

Answers

Answer: telling a story about people who resemble the target audience

Explanation: just took the test

Telling a story about people who resemble the target audience would be most appropriate for an emotional appeal. Thus, option 'A' is the correct option.

What is Emotional Appeal?

A kind of persuasion known as an emotional appeal uses sensory, descriptive language and images to stimulate an audience's emotions and persuade them of a point of view. Social psychology is used in the appeal to emotion strategy. Only when the evoked emotions are unrelated to determining the veracity of the conclusion and help to divert from a logical analysis of pertinent premises or facts is it erroneous.

For instance, if a pupil says "My scholarship will be forfeited if I receive a poor mark on this essay. It is not copied "The initial statement's emotional impact is unrelated to determining whether the text was duplicated. In order to persuade the audience that the claims being made by the fallacious argument are true or untrue, appeals to emotion aim to evoke sentiments like fear, pity, or delight in the person receiving the information.

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