Personal loans offer lump sums of money, while credit cards set a maximum amount a person can borrow describes the difference between a personal loan and a credit card.
The primary distinction between a personal loan and a credit card is that a personal loan provides a lump sum upfront, whereas a credit card provides a spending limit. Each has advantages and disadvantages.
Personal loans provide lump sums of money, whereas credit cards restrict the amount a person can borrow. Personal loans are secured loans used for small purchases, whereas credit cards are unsecured loans used for large purchases.
If you require a large amount of cash for a project or want to pay off high-interest credit card debt, you should consider a personal loan. If you're making a small, everyday purchase, a credit card is a better choice.
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suppose people freely choose to spend 40 percent of their income on healthcare, but then the government decides to tax 40 of a person's income to provide the same level of coverage as before. what can be said about deadweight loss in each case?
Because the state gets the same that individuals spend on health care and gives a same care, there is no difference. Because people are paying a same lot but receiving a same, there's no dead weight.
And what was the best way to define taxes?Taxes are obligated payments made by a government body, if locally, metropolitan, or federal, to individuals or firms. Taxes are used to fund a variety of government initiatives, such as Medicare and Social Security benefits as well as public infrastructure and services like roads and schools.
What does tax mean?Its etymology, taxare, is Latin for "to assess." Before then, the cognate term "task," that is derived the Old French, was used in English. "Task" and "tax" were both often used for a while; first required exertion, the later money. The word "tax" later came to describe anything tiresome or difficult.
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income tax collections: a. rise during periods of prosperity, thus reduce federal budget deficits. b. fall during periods of prosperity, thus increase federal budget deficits. c. rise during recessions, thus increase the problem of unemployment. d. fall during recessions, thus increase the problem of unemployment.
The correct answer is option a, hence rise during periods of prosperity, thus reducing federal budget deficits.
What is the meaning of income tax?Every individual that works and even companies are subject to income taxes. The foundation for calculating individual income tax is the income received.
Now, when government expenditure exceeds its income, which includes taxes, fees, and investment returns, there is a federal budget deficit. The national or federal government debt increases as a result of deficits.
Since the burden is presumably on the persons who pay it, it is typically categorized as a direct tax. Net earnings, which are calculated as the difference between receipts and authorized expenses, are subject to corporate income tax.
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Sakda said to his employee, kurt, "you should work harder so the employees who have been here a long time will like you." this statement likely fostered nondefensive communication from kurt.a. Trueb. Fale
Kurt is told by Sakda to put in more effort in try to get the respect of the more seasoned workers. This phrase actually encouraged Kurt to talk or be angry. This assertion is untrue.
Workers or employees, respectivelyAdd as apostrophe and a s to show that singular nouns are in possession. Add simply an apostrophe to show possession when using plural words ending in s, as in three paychecks and four boss suggestions.
Who are a company's employees?An employee is a person hired by a business owner to complete a certain duty. Employers are in command of clarifying an employee's wage, hours worked, and working conditions. In exchange, employees have benefits that contractors do not.
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individuals hired by the convention center and responsible for providing all of the services needed to run the facilities for a trade show are known as
individuals hired by the convention center and responsible for providing all of the services needed to run the facilities for a trade show are known as service Contractors.
Contractors
A person or business that offers goods or services to a trade show, its exhibitors, or both. See also Exhibitor Appointed Contractor or Official Contractor. A venue where expos are hosted is a convention center.
A contractor, also known as a contract worker, independent contractor, or freelancer, is a self-employed individual who works on a contract basis. A contractor is not an employee; rather, they manage their own business (such as a sole proprietorship, limited liability company, or limited liability partnership) and are hired by organizations to work on specific projects or assignments.
They may have short- or long-term contractual relationships. Although a contractor may work for a company, they are not considered employees. Additionally, they have the capacity to work concurrently for several businesses.
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dayer's, a popular ice-cream brand, added new flavors to its existing line of ice creams to attract kids. this is an example of .
Dayer's, a popular ice cream emblem, delivered new flavors to its current line of ice creams to attract youngsters, this is an example of line extension.
Line extensions refer back to the system of increasing a present product line. this is when an enterprise with a longtime emblem introduces additional objects in a product category. The company makes use of the cost of the present product to the marketplace and introduces new picks to clients.
Line extensions arise when an organization introduces additional items inside the equal product class beneath the same brand call consisting of new flavors, forms, colorings, delivered elements, and package deal sizes. this is in preference to logo extension that's a brand new product in a totally different product class.
Line extensions are a brief and coffee-fee way to spike income within a brief time period. A corporation with a longtime production method and capacity to supply new merchandise means lower advance investment.
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a portfolio consists of 205 shares of stock c that sells for $38 and 170 shares of stock d that sells for $37. what is the portfolio weight of stock c?
According to the percentages of the holdings in the portfolio, overall beta of such a holdings is the weighed total of the betas of the individual assets.
What three sorts of portfolios are there?Portfolios come in three varieties: process, product, and display. Despite the fact that each type is written for a distinct audience, they all share a developer, purpose, targeted audience, and reflective section (covered in Chapter 3).
What exactly is a student's portfolio?A portfolio is a structured collection for student work that shows activities, successes, and accomplishments over a predetermined time period in one or more subject areas. The two most common forms of portfolios are: Display Portfolios Students pick their best work and submit it.
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during periods of hyperinflation, money does not hold its value and, therefore, people choose not to save as much money for a rainy day. this description implies that the
During periods of hyperinflation, money does not hold its value and, therefore, people choose not to save as much money for a rainy day. this description implies that the Transaction demand for money has increased.
What is hyperinflation?Generally, A phrase that is used to characterize quick, excessive, and uncontrollable rises in general prices in an economy is called hyperinflation.
Inflation is the rate at which prices for goods and services are increasing, whereas hyperinflation refers to inflation that is growing at an extremely high rate, generally measuring more than fifty percent per month.
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CQ
During periods of hyperinflation, money does not hold its value; therefore, people hold as little as possible for as short a time as possible. This description implies that the
Transactions demand for money has increased.
Precautionary demand for money has increased.
Speculative demand for money has decreased.
Portfolio demand for money has decreased.
answer the question on the basis of the following information for four highway programs of increasing scope. all figures are in millions of dollars.
Marginal benefit = Total benefit = $9
What Does Marginal Gain Mean ?A consumer's utmost willingness to pay for an additional commodity or service is known as the marginal benefit.
It also refers to the additional pleasure or utility that a customer experiences after purchasing the extra commodity or service.
Let's assume that a pair of shoes costs $40. However, a customer is prepared to shell out $50 for the set. In that case, the marginal benefit would be $50. This indicates that the marginal benefit exceeds the actual cost of the shoe by $10.
According to the given information
Since
Program A has the lowest overall cost and the lowest overall benefit.
Marginal cost = Total cost = $2
Marginal benefit = Total benefit = $9
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finished business products of one producer that become part of the final products of another producer are called .
Component parts and materials are finished business products of one producer that become part of the final products of another producer.
What are finished business product?Products that have passed or completed the manufacturing process but have not yet been sold or distributed to the final consumer are referred to as finished goods. The final stage of goods processing occurs when the product reaches the end users.Finished goods are items that have been finished by the manufacturing process or purchased in a finished state but have not yet been sold to customers. Merchandise refers to finished goods that have been purchased.The Production Manager is the person in charge of the finished product's production. The Production Manager is in charge of overseeing the transformation of a product concept into a finished product, which includes the procurement and preparation of raw materials.To learn more about finished business product refer to :
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one year ago, you purchased a $1,000 face value bond at a yield to maturity of 9.45%. the bond has a 9% coupon and pays interest semiannually. when you purchased the bond, it had 12 years left until maturity. assuming you are able to reinvest the coupon at the ytm of 9.45% over the one year period. you are selling the bond today when the yield to maturity is 8.20%. what is your realized yield on this bond?
The yielded bond in this situation according to the question is 18.50%.
What is bond valuation?The calculation of a bond's fair price is known as bond valuation.
The theoretical fair value of a bond is the present value of the stream of cash flows it is anticipated to produce, just like with any securities or capital instrument.
In order to determine a bond's value, prospective cash flows are discounted to the present using a suitable discount rate.
If comparable instruments exist, the discount rate is frequently calculated using them.
Then, at the specified price, a number of related yield-measures are calculated.
A bond is selling at a discount when its market price is lower than its face value. The bond is selling at a premium if the market price is higher than face value.
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classify the statements as true or false. a. the process of specialization and trade has positive net benefits and is, therefore, beneficial to everyone
Everyone benefits from the specialization and trade processes since they have positive net advantages. This claim is untrue.
What are the advantages of commerce and specialization?When nations have varying opportunity costs for production, specialization and commerce might be advantageous. Greater economic efficiency, favorable effects for consumers, and expansion prospects for industries with a competitive edge are all advantages of specialization.
What is the specialization process?The process of specialization is when a business or person decides to concentrate their efforts on a certain kind of production. Specialization simply refers to concentrating on a single task. A person who specializes narrows their concentration to one particular activity.
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what is the purpose of benchmarking? often, benchmarking involves visiting other organizations that have applied the system under consideration. why?
The purpose of benchmarking is to measure how a proposed system performs relative to the needs of the organization and relative to comparable systems. Visiting other organizations that have adopted the system under consideration may help set realistic expectations.
Benchmarking is the following of comparing business methods and performance metrics to business bests and best practices from alternative companies. Dimensions usually measured are quality, time, and cost. Benchmarking is employed to live performance employing a specific indicator (cost per unit of measure, productivity per unit of measure, cycle time of x per unit of measure, or defects per unit of measure) leading to a metric of performance that's then compared to others.
Also brought up as "best practice benchmarking" or "process benchmarking", this process is used in management within which organizations evaluate varied aspects of their processes with respect to best-practice companies' processes, sometimes among contemporaries outlined for the purposes of comparison.
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maria and vincent, whose modified agi is $169,000, adopted a little girl from mexico which was finalized in 2021. they incurred a total of $16,000 in qualified adoption expenses. what is the amount of adoption credit they can claim in 2021?
Based on the available options, Krista may be able to claim "$4,100" for the Adoption Credit on her 2020 tax return.
What amount of adoption credit may they claim in 2021? Information about Adoption Credit .According to the government's guidelines and regulations, if an individual makes more than one attempt to adopt one eligible U.S. kid, such individual should add the amounts spent and fill just the "Child 1" section.When individuals adopt or attempt to adopt two or three eligible children, they may complete more than one Child 1 line.Krista would have to combine the expenses together, which would be $1,600 + $2,500 = $4,100.As a result, in this situation, the right answer is "$4,100. Based on the available options, Krista may be able to claim "$4,100" for the Adoption Credit on her 2020 tax return.To learn more about Adoption Credit refer
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in the age of high technology, what is the key to the most significant and enduring productivity and improvement?
The most substantial and long-lasting productivity and improvement in the high-tech age depends on human involvement.
What productivity means?How much output can be produced with a given set of inputs is referred to as productivity in economics. Productivity rises when the same amount of inputs are used to produce more output or when the same amount of output is produced with fewer inputs. Productivity measures how well a person completes a task. We frequently think that getting more done every day is the key to being productive. Wrong. To be productive, one must consistently finish important duties. No matter what you are working on, there are just a handful of things that are genuinely essential.
Why is productivity important?When productivity is increasing, an economy may produce and consume more products and services for the same amount of work. Productivity is valued by people (workers and consumers), business executives, and analysts (such as policymakers and government statisticians). The secret to establishing lasting success is increasing one's own output. Yours can be bettered by fusing your interests with your career objectives in order to optimise the advantages of both aspects of your life.
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the diverse co. has invested 40 percent of the firm's assets in a project with a beta of 0.4 and the remaining assets in a project with a beta of 1.8. what is the beta of the firm?
the diverse co. has invested 40 percent of the firm's assets in a project with a beta of 0.4 and the remaining assets in a project with a beta of 1.8. 1.24 is the beta of the firm.
What is beta?A company's beta is a measure of the volatility, or systematic risk, of a security, as it compares to the broader market. The beta of a company measures how the company's equity market value changes with changes in the overall market. Unlevered beta excludes the effect of debt on the investment. It represents only the risk associated with equity of the company. Change in the debt to equity ratio will not effect the unlevered beta. Unlevered beta will remain same. Beta could be calculated by first dividing the security's standard deviation of returns by the benchmark's standard deviation of returns. The resulting value is multiplied by the correlation of the security's returns and the benchmark's returns.
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which insurance is the older type of managed healthcare system that takes both the financial risks associated with providing medical services?
Fee-for-service (FFS) insurance is the more traditional form of managed healthcare that bears both the financial risks related to providing medical services.
What is meant by Fee-for-service insurance?Fee-for-service Unlike receiving a fixed payment for a specific patient or group of patients, the traditional insurance model of payment for healthcare professionals is based on the services they offer.
For each service, such as a doctor's visit or a laboratory test, the insurance provider is compensated under this model by paying a charge to the healthcare provider. The insurance company reimburses the provider for all expenses related to rendering the service, and the provider is paid a fee for each task completed.
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what system was effective in reducing expenditures for hospital care but overall costs continued to rise because it wasn't included for outpatient care?
Answer:
say again
Explanation:
for maximum profit, a firm hires labor up to the point at which the wage equals (i) the value of the marginal product of labor. (ii) the marginal cost of an additional unit of output. (iii) output price multiplied by the marginal product of labor.
For maximum profit, a firm hires labor up to the point at which the wage equals the value of the marginal product of labor.
When an organization recruits workers up to the point where their wages are equal to their marginal labor output, what is that organization called?A competitive, profit-maximizing business will hire people up until the salary and the value of the marginal product of labor are equal.
Why would a business that seeks to maximize its profits continue to employ people until their wages are equivalent to the value of their marginal product?Since it is inefficient for a company to pay employees more than it will make from their labor, profit-maximizing businesses will only hire workers up to the point where the marginal revenue product equals the wage rate.
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Without planning an enterprie would oon diintegrate, it action would be a random a leave campering before an autumn wind, and it employee a confued a ant in an upturned ant hill"
Planning always involves making some assumptions about what will happen in the future.
In other words, before completing the total company plan, it is necessary to define the future settings, such as marketing, pricing, government policy, tax structure, business cycle, etc.
Business forecasting: The economic, social, political, and global environments all have a significant impact on business. Management ought to have a system in place to foresee changes in such a setting. Forecasts that are accurate will help the plan work.
Dynamic Manager: Those in charge of planning tasks should have a flexible mindset. They should take the appropriate steps to create planning premises and make business projections. 125 A manager should never forget that planning is forward-looking and that he is making plans for an extremely unpredictable future.
Flexibility is a necessary component of planning because the environment in which modern businesses operate is always evolving. There should always be room in the plans for essential additions, deletions, or changes as the situation dictates in order to achieve effective results.
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Complete Question -
"Without planning an enterprise would soon disintegrate, its actions would be as random as leaves scampering before an autumn wind, and its employee as confused as ants in an upturned ant hill". Comment
how success and failure in practice of basic management functions affect the organization. Support with real examples.
cash and treasury securities $100 million fed funds sold $100 million residential mortgages 1-4 family $200 million commercial loans $600 million note: the residential mortgages all have a loan-to-value of between 60 and 80 percent. if the bank has capital of $50 million, what is the leverage ratio using the standardized approach?
The leverage ratio using the standardized approach is $20 million.
To calculate the leverage ratio using the standardized approach, you need to add up the total on-balance sheet assets of the bank and divide it by the capital of the bank. On-balance sheet assets are those that are directly recorded on the bank's balance sheet and include cash, treasury securities, residential mortgages, and commercial loans.
In this case, the total on-balance sheet assets of the bank are $100 million + $100 million + $200 million + $600 million = $1,000 million.
The leverage ratio is calculated by dividing the total on-balance sheet assets by the capital of the bank, which is $50 million.
Therefore, the leverage ratio using the standardized approach is $1,000 million / $50 million = 20.
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a company holds put options in soybeans with a strike price of $5.00/bushel. the market price of soybeans declines to $4.60/bushel. the company will: a. not exercise the put options b. lose on the put options c. gain on the put options d. continue to hold the options after they expire
The answer to the question is option b. lose on the put options
If one is selling options, one should sell calls if one believes that prices will decline and puts if one believes that prices will increase. This will enable one to keep the premium without being concerned that the buyer will enforce the contract.
When purchasing a put, one often anticipates a decline in the stock price before the option expires. Purchasing puts can be thought of as a type of insurance against a stock decrease. One will profit from the "insurance" if it does drop below the strike price.
During a slump, selling put options may be a more profitable strategy than purchasing stocks. The extreme volatility of bear markets increases the profitability of selling options. Put sales on equities should only be made by novice investors if they would want to own.
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to encourage members of the marketing team to be alert for any marketing opportunity, riff frequently tells them about the time he gave a new store jacket to a local celebrity after her own jacket was torn. for the rest of the day, the celebrity wore the jacket, which prominently displayed the store's name. this is an example of a:
Riff routinely shares the story of the time he presented a new shop jacket to a local celebrity after her old jacket was torn with the marketing team to inspire them to be on the lookout for any marketing opportunity. The famous person wore the jacket, which prominently featured the name of the shop, for the remainder of the day. An illustration of a story is this.
An event, whether real or imagined, is told in a narrative when it is done such that the audience, simply by hearing the story, has an experience or learns something. A tale can be used to convey knowledge, experience, attitude, or point of view.
The transmission of cultural information from one generation to the next is preserved via stories. Essentially, tales preserve cultures. Stories provide us with an eternal connection to stories, myths, and archetypes from the past. However, they also link us to enduring truths about the human condition and the wider universe.
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the newly licensed rn has accepted a position in a hospital. what are the logical actions expected of this new employee?
The logical acts required of this new employee are to possess the theoretical knowledge required to perform fundamental patient care and decision-making.
What is a Position?An individual or other organization has a position when they hold (or have sold short) a certain quantity of a security, assets, or piece of property. A trader or trader takes a position when they execute a buy order, which indicates a bullish intent, or when they sell short stocks, which indicates a bearish intent.
What does a position's primary objective entail?By clearly identifying the task to be done in connection with the overall aims of the work unit, an appropriate position description aids the employee in understanding what is expected of them.
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the fixed asset turnover ratio measures the: multiple choice useful life of long-lived assets. the average difference between book value and disposal value of fixed assets. useful life of intangible assets. efficiency with which the investment in fixed assets produces revenue.
Efficiency with which the investment in fixed assets produces revenue.
What is fixed assets?Fixed assets, also known as non-current assets, are long-term investments made by a company for the purpose of generating income. Fixed assets are generally large in nature, with a long lifespan, and include tangible items such as buildings, property, equipment, furniture, tools and machinery. They are reported on the balance sheet and are used to produce goods and services to generate revenues. Fixed assets are not intended to be sold or otherwise disposed of in the normal course of business. Examples of fixed assets include land, buildings, vehicles, computers, furniture, and machinery. These assets are not easily converted into cash and are not intended to be used up or consumed in the production or supply of goods or services.
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how do nations benefit from international trade? multiple select question. they can acquire more goods and services. they can improve their self-sufficiency. they can enhance their resource productivity. they can specialize their production.
They can enhance their resource productivity, they can acquire more goods and services, they can specialize their production. (Option A, C, D)
How does international trade help different countries?Through commerce, nations can access commodities and services that might not otherwise be accessible domestically and grow their markets. Market competition has increased as a result of international trade. This ultimately leads to more competitive pricing, which lowers the cost of the final product for the consumer.
What are the main drivers of international trade?The presence of government policies, variations in technology, variations in resource endowments, variations in demand, and the presence of economies of scale are the five primary drivers of international commerce.
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what trends in divisions of labor may be contributing to worse levels of individual well-being and marital satisfaction for women?
Women increasing their presence in the workforce but still doing most housework trends in divisions of labor may be contributing to worse levels of individual well-being and marital satisfaction for women.
The divisions of labor is the term in which the making of groups of person to performs the decided tasks in the company or any other organization.
The divisions of labor is also refers to the separation of the specialized person for the specialized role. The divisions of labor is the given tasks within the social system.
Those women who is working at the job level, labor level and servant level etc, is doing most of the house-work which is the worse level of well-being.
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some writers deny that employees have any obligation of loyalty to the company, because
Some writers deny that employees have any obligation of loyalty to the company, because companies are not the kind of things that are properly objects of loyalty
Why is it important for employees to be loyal?Employees that are devoted to their employers are more likely to put more effort into their work, come up with novel solutions, and go above and beyond. After all, loyal workers are content workers, and as Forbes notes, content workers translate into "hefty earnings."
Almost all workers have a legal obligation to be loyal to their employers. This holds true whether the employment contract was made orally or in writing, and whether or not the need to perform the duty was specifically mentioned in the contract.
Hence, Loyalty is one of an employee's obligations to their employer. Every state's laws require employees to abstain from acting in a way that would be detrimental to their employer's interests; this requirement is frequently referred to as the "duty of loyalty."
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How to set up a worksheet
Select the worksheet to be replaced, then click Insert in the Cells group on the Home tab, followed by Insert Sheet. This will insert the new worksheet in front of the selected worksheet.
What fundamental procedures go into making a worksheet?To avoid squandering time and effort, follow these steps in order.
Plan your spreadsheet's layout and decide how you want the data to be displayed. ...
Build - Start construction once you've established a strategy and understood your goals.
Calculate: Using the new, solid framework as a foundation, implement formulae and functions as necessary.
Worksheet basics: What are they?Cells are arranged in rows and columns and referred to as worksheets in Excel documents. You enter data on it by interacting with the work surface.
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what is the name for the point at which the two projects' npvs are equal? inflection point equal npv rate crossover rate there is no special name for this point
The weighted average cost of capital, also known as the crossover rate, is the rate of return at which the net present values (NPV) of two projects are equal.
What can we infer from crossover rate?The crossover rate, used in capital budgeting, gauges the cumulative return rate in relation to risk between two planned projects. When the net present value (NPV) of two projects is equal, this statistic is crucial for determining the return rate of both projects.
Estimating the potential future cash flows from the investment is the first stage in calculating the NPV. The present value of the cash flows can then be calculated by discounting the future cash flows using the appropriate discount rate, allowing them to be compared to the initial investment cost.
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letting wages fall due to labor competition so that employers can hire cheaper labor is a policy supported by group of answer choices classical economists. monetarists. keynesians. rational expectationists. supply side economists.
Letting wages fall due to labor competition so that employers can hire cheaper labor is a policy supported by A. classical economists.
Opposition is a courting among organisms that has a bad impact on each of them. this will happen while organisms are looking to get the equal environmental resource like meals or land. One commonplace example is while organisms compete for a mate.
Competition also creates opportunities for people to enter the market and start new companies. It creates jobs and provides human beings with a preference of employers and work locations. opposition additionally reduces the need for governmental interference via regulation of business.
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