Credit cards can cost you money if you don't pay your bills on time because the interest rates charged by lending organisations have a significant negative influence on both your personal finances and credit score.
The best credit card APR is one that is around 10%, but you might need to visit your neighbourhood bank or credit union to discover one. An APR that is lower than the average would also be regarded favourably by the Federal Reserve, which monitors credit card interest rates. If you settle your bill in whole each month, APR is irrelevant. It doesn't matter whether your credit card has a 10 percent or 25 percent interest rate.
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one management responsibility is to identify when to create ______, not simply when to mitigate it.
One management responsibility is to identify when to create conflict, not simply when to mitigate it.
What kind of conflict resolution?The goal of conflict management is to lessen its negative effects while enhancing its positive ones. The goal of conflict management is to improve learning and group outcomes, including the issue of effectiveness or that of performance in terms of an organizational setting.
Therefore, A conflict is a struggle that results from a collision of interests, viewpoints, or even moral principles. There will always be conflict in society, and its causes can range from personal to racial to class-based to caste-based to political to international.
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In a visualization regarding the cost composition of your company’s five products, you can see the percentage of direct materials, direct labor and overhead percentages to total costs per unit. Based on this information, please answer the following questions.
1. The workers’ union is negotiating an increase in an hourly wage and an increase in health insurance coverage. If agreed by the management team, which product is more likely to be affected?
2. Assume that your company always uses the following formula to determine the markup: “direct labor to total costs percentage * 50%”. Does this make sense to you? What is the potential problem?
Trade unions maintain and improve workers' terms and conditions through bargaining with employers.
What are the management decisions ?Workers organized in trade unions benefit from higher wages—the so-called union wage premium. Union bargaining also results in a fringe benefits premium for covered workers. Trade unions reduce wage inequality.
The gross profit of a unit, which is its sales price less its cost to produce or acquire for resale, is divided by the unit's cost to determine the markup %. The markup percentage, which is computed as (12 - 8) / 8, is 50% for an item that costs the business $8 to produce but is priced at $12.
Hence
(a) Product IN 600 and XA - 001 will be affected regarding decision of the the union .
(b) Company is using wrong method for computing Mark up that is senseless .
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an owner is considering installing a below-ground swimming pool, which will cost many thousands of dollars to build. before hiring a contractor, the owner should consider the concept of
Owner should think about real estate taxes before employing an independent contractor for the development of the work.
ContractorsAn example of an independent contractor is an auto mechanic who has a station license or resale license, buys the parts required for the maintenance, sets his or her own expenses, collects from the customer, sets his or her own hours and days of work, and owns or rents the shop from a third party.
You are hired by yourself if you are an independent contractor. The income of someone working as an independent contractor is subject to self-employment tax. Visit the Self-hired individual's Tax center to learn more about your tax obligations.
The Contractor shall erect and properly maintain at all times, as required by the conditions and development of the work, including barriers, shoring, supports, braces, lighting, hazard signs, and essential safeguards, as will protect workers and the public and as will effectively prevent any harm and injury to persons.
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what are the effects of rising prices
The main cost of inflation seems to be the erosion of real income, which occurs when prices rise unevenly and causes some customers' purchasing power to decline.
How long will high prices last?The consensus among economists and financial professionals is that higher prices will probably continue into next year, if its not longer. And as a result, Americans will likely continue to suffer from rising prices for some time to come.
Why do you use the word prices?The sum of money supplied or established as payment for the sell of a certain good; the volume of one good required in exchange for another in barter or in a sale; or the price paid for anything. Increased consumer demand and labor shortages have only made this issue worse. Prices are rising as a result of the shortage of some commodities and the rising cost of shipping.
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What do the 9th and 10th amendments say?
Answer:
The Tenth Amendment says that the Federal Government only has those powers delegated in the Constitution. If it isn't listed, it belongs to the states or to the people
Explanation:
The Ninth Amendment was part of the Bill of Rights that was added to the Constitution on December 15, 1791. It says that all the rights not listed in the Constitution belong to the people, not the government. In other words, the rights of the people are not limited to just the rights listed in the Constitution.
Do CDs have high rates?
Yes, CDs have higher rate.
CDs have higher rates. This is because you agreed to store your money on a CD for a period of time.
The interest rate and APY you earn will depend on your bank, your CD term, and the current interest rate environment.
High Yield Savings Accounts offer variable interest rates that can go up or down.
CDs offer a fixed interest rate for a fixed period of time. If you're worried about an impending drop, CDs can help protect your money in advance.
Generally, a CD’s interest rate rises as the term increases. However, that also means you won’t have access to the money for a longer period of time.
However, even at lower levels a bank or other financial institution may offer you a higher CD interest rate depending on your deposit amount.
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A manager who is very focused on ensuring that all employees are following the reimbursement policies when it comes to expense reports and wants to make sure that every employee follows the rules for which expenses are eligible for reimbursement is likely focused on an ethical criterion of _____________. Question 14 options: utilitarianism outcomes consequences justice
A manager who is very focused on ensuring that all employees are following the reimbursement policies when it comes to expense reports and wants to make sure that every employee follows the rules for which expenses are eligible for reimbursement is likely focused on an ethical criterion of justice. Therefore, the correct answer option is: D. justice.
Who is a manager?In Business management, a manager can be defined as an individual who has been trained to acquire and distribute resources, as well as provide guidance, support, administrative control, and supervision to the employees who are working in a business organization, especially by being morally upright, ethical, well behaved, friendly, managing costs, and promoting the business's vison, culture, and values at all times.
Based on the ethical criterion of justice, it is mandatory that a manager imposes and enforces rules fairly and impartially for all the employees working within a business organization, in order to ensure that there is an equitable distribution of benefits and costs.
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The complete statement is "A manager who is very focused on ensuring that all employees are following the reimbursement policies when it comes to expense reports and wants to make sure that every employee follows the rules for which expenses are eligible for reimbursement is likely focused on an ethical criterion of justice. " Option D
Who are the managers?In the field of business management, a manager is someone who has received training in the acquisition and distribution of resources as well as in providing direction, support, administrative control, and supervision to the workers who are employed by a business organization.
This training includes being morally upright, ethical, well-behaved, and friendly, managing costs, and constantly promoting the company's vision, culture, and values.
In order to maintain an equal distribution of benefits and expenses, a manager must create and enforce regulations for all personnel operating inside a commercial organization in accordance with the ethical standard of justice.
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What are the general features of the financial institutions?
Financial institution: It provides advances and loans to customers, high return rate, highly rated advice to customers for their profitable investments, and acts as a depository for customers.
What is financial system and what is the responsibility of financial institutions?A financial system is an economic arrangement that facilitates the movement of funds and assets between borrowers, lenders and investors by financial institutions. Its goal is to efficiently allocate economic resources to drive economic growth and generate a return on investment (ROI) for market participants.A financial institution is an entity that facilitates financial transactions and acts as an intermediary in financial transactions.Financial institutions have a variety of functions, including banking services, wealth accumulation, financial regulation, pension fund services, and national economic growth.Who are the major financial institutions?The main categories of financial institutions are Central Banks, Retail and Commercial Banks, Internet Banks, Credit Unions, Savings and Lending Institutions, Investment Banks and Investment Firms, Brokerage Firms, Insurance Companies and Mortgage Lenders. IMF.
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How long has safety been considered in the workplace?
Concerns about workplace safety first emerged in Europe during Industrialisation with labor movement.
What's the full meaning of safety?Being protected from danger or harm is really the state of someone being safe. The paper continues by offering several suggestions for enhancing airplane safety. Synonyms include assurance, security, protection, and safeguards. More safety synonyms 2. uncountable noun [often a NOUN preposition].
Why is safety in important?In terms of morality, nobody wants to get wounded, and nobody enjoys seeing someone else receive hurt. Safety is crucial for financial reasons: You incur costs as a result of an accident. This can be bad for your company.
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example of risk control
What lies is at the heart of the allocation of goods and services in a free-market economy?
The notion that lies at the heart of the allocation of goods and services in a free-market economy is the Law of Supply and Demand.
How are resources allocated in the free market?In the free market, people are free to supply and demand various types of goods ( so long as they are legal ) which allows for resources to be allocated such that those demands are met.
The way that these resources are allocated is that there is an interaction between those who are able to supply goods, and those who demand those goods, based on the prices that the people selling and buying are willing to accept, or pay.
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What are most likely reasons a US corporation would open a factory in China choose four?
A US corporation would open a factory in China in order to
to take advantage of affordable land pricesto take advantage of abundant resourcesto take advantage of lower labor coststo take advantage of favorable tax lawsA corporation is a business entity this is owned by means of its shareholder(s), who decide on a board of administrators to supervise the company's sports. The agency is responsible for the moves and price range of the enterprise – the shareholders aren't.
Organizations seek advice from a selected shape and established order of a company as a felony entity this becomes independent from character proprietors. agencies carry out the primary capabilities of a business enterprise, together with imparting and selling items and services and frequently operate on a larger scale.
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a monopolistically competitive firm has a downward-sloping demand curve for its product, primarily because:
Answer:
interested in sex?????
What is tamper proof packaging?
Tamper-proof packaging is intended to offer the highest level of protection throughout the storage and transportation of valuable or delicate items.
Tamper-proof packaging has a variety of characteristics, including a flat bottom to prevent access, a printed tear strip on the upper flap that is impossible to replace, and two locking tabs that, if broken, drop into the case, to guarantee that any interference can be recognized.
Food packaging that is tamper-evident is made with unique closures that reveal whether the container has been damaged, opened, or unsealed. Broken closures warn you of possible product tampering if you sell packaged goods, allowing you to discard the merchandise. Most importantly, it gives the buyer peace of mind that the goods they buy are brand-new, secure, and unopened after being wrapped.
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Which of the following statements is most appropriate? Explain
A. In a joint-stock company, the issue of conflict of interest between the owner and the operator sometimes occurs.
B. The type of joint stock company is a suitable choice in business because it is not taxed twice on income.
C. The typical type of enterprise selected for research in corporate finance is a joint stock company because it has characteristics that other types of businesses do not have, which is the separation between ownership and operation.
D. It is easy to resolve conflicts of interest between owners and operators, by increasing operator salaries
A. In a joint-stock company, the issue of conflict of interest between the owner and the operator sometimes occurs.
Is it best to a low interest rate?
I accept the response: Low loan fees urge purchasers to get and spend, while exorbitant financing costs support saving.
Which is the reason banks will generally give low loan fees when the economy is getting along nicely, to elevate development to all suitable monetary areas. Exorbitant loan fees then again, will more often than not be executed during expansion. At the point when individuals are urged to save, how much cash flowed in the market would be diminished, and the upsides of the money would go up.
Low loan fees are great for the economy since additional individuals will want to manage the cost of installments. They can then get home loans and Visas which implies more cash is spent in the economy.
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Which executive agency would most likely investigate cases of espionage the Central Intelligence agency the Department of State?
The Central Intelligence Agency (CIA) would most likely investigate cases of espionage. The Department of State may be involved in the investigation, but the CIA would typically lead the investigation.
What is CIA?
The Central Intelligence Agency, also known as the Agency or the Company historically, is the federal government of a United States' civilian foreign intelligence service. Its official duties include gathering, processing, and analysing information related to national security from all over the world, primarily using human intelligence (HUMINT) and carrying out covert operations. The CIA, which is a key component of the US intelligence community (IC), reports to a director of national intelligence as well as focuses on gathering intelligence for the US president and cabinet. On January 22, 1946, President Harry S. Truman issued an executive order establishing the Central Intelligence Group, which was headed by a Director of Central Intelligence.
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What are the reasons why do we need to save money give at least three?
the three reasons why do we need to save money:
Financial independence.
Living debt-free.
Unforeseen expenses.
Finance is the study and subject of money, currency and capital assets. it is related to, but no longer synonymous with economics, the take a look at of manufacturing, distribution, and consumption of money, belongings, items and offerings (the subject of monetary economics bridges the two). Finance sports take place in economic systems at various scopes, as a consequence the field may be more or less divided into private, company, and public finance.
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How contractionary policies can hamper economic growth?
The contractionary policies can hamper economic growth if Disposable income decreases. Contractionary policies can reduce disposable income, which can directly impact the economic growth of the country.
There are styles of economic coverage: Contractionary economic policy and expansionary monetary policy. Contractionary monetary coverage is when the government taxes greater than it spends. Expansionary fiscal policy is whilst the authorities spend greater than it taxes.
Contractionary coverage is a financial degree referring both to a reduction in government spending—especially deficit spending—or a discount within the fee of financial enlargement by means of an imperative bank.
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What is the best thing to do when expenses exceed revenue?
When expenses exceed profits, 3 alternatives are endorsed: growth earnings, lessen fees, or a combination of the 2. To apprehend wherein your cash goes and to discover methods to reduce, don't forget to track your costs for a month or.
Fees and fees are similar ideas, and they're now and again used interchangeably, however, there are some differences for organizations to don't forget. A value generally refers back to the charge paid to gather an asset, at the same time a cost is an ongoing fee, which includes a worker's earnings or hires in a retail area.
An expense is typically recognized while a related sale is identified or while the object in the query has no destiny application. An expenditure is usually diagnosed either whilst cash is paid out or legal responsibility is incurred.
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what do you use to find state specific information
To find state-specific information, an individual can choose to use government portals or legal websites of the state that they desire information on.
What is state-specific information?State-specific information refers to information about governmental legislation in the desired state. It is known as being state-specific because the information is unique to that very state. Many states have dos and don'ts that are limited to them.
To get these, one can choose to use the information from a government portal. These are often in the form of a .gov domain. Reputable legal websites that are in the territory of the state might also have reliable information on the state's regulations.
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What are the 3 main things an entrepreneur needs in order to be successful?
The three main things an entrepreneur needs in order to be successful are: time, resilience-effort and risk taking mentality.
The ability to remain resilient in the face of any challenges that may arise during their startup journey is said to be the most common quality that all successful entrepreneurs possess, according to experts from around the web.
One of the most crucial abilities for busy entrepreneurs to have is effective time management, which will ensure the smooth operation of their company. As the company's leader, you must allot the appropriate amount of time to each work, regardless of how full your schedule may be.
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what are the 4 factors of production and give an example of each
There are four factors of production land, labor, capital, and entrepreneurship.
Production is the process of combining different material and immaterial inputs to create something for consumption. It is the act of producing an output, such as a good or service, that has value and contributes to people's utility. Production theory, which is intertwined with economic consumption theory, is the branch of economics that focuses on production.
The production process and output are directly related to the productive utilisation of the original inputs. Land, labor, and capital are regarded as the three fundamental production factors and are referred to as primary producer goods or services.
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What are 4 benefits of saving?
Answer:
1. Financial Security: Saving money can help you build a safety net for unexpected expenses or a loss of income.
2. Investment Opportunities: A savings account can allow you to invest in various potential income-generating investments.
3. Tax Advantages: Many savings accounts, such as 401(k)s and IRAs, offer tax advantages.
4. Achieving Financial Goals: Saving money can help you reach your short-term and long-term goals, such as buying a house, starting a business, or saving for retirement.
Explanation:
How can having a savings account contribute to a person's overall financial well-being?
A savings account provides security to anticipate the unexpected, allows you to invest when opportunities arise, and provides funds to fulfill your dreams of giving something back to you and your community. By doing so, you can contribute to your overall financial well-being.
What are good reasons to keep money in a savings account?Savings accounts are insured by the Federal Deposit Insurance Corporation up to $250,000, so your money is protected. A savings account makes money more accessible than other ways of saving. A savings account does not help build wealth. It can also lose purchasing power over time due to inflation
What are the benefits and drawbacks of a savings plan? Advantages of a savings account are the potential to earn interest, ease of opening and access, and FDIC insurance and security. Drawbacks to savings accounts are minimum balance requirements, lower interest rates than other accounts/investments, and federal restrictions on withdrawals of savings.To learn more about saving account visit:
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How does excise tax affect consumers and producers?
The relative effect on shoppers and dealers is referred to as the prevalence of the tax. There are two main monetary consequences of a tax a fall in the quantity traded and a diversion of revenue to the authorities. A tax causes client surplus and manufacturer surplus (profit) to fall.
whilst demand takes place to be rate inelastic and supply is price elastic, most of the people of the tax burden fall upon the patron. in the graph above, the entire tax paid by way of the manufacturer and the customer is identical to P0 – P2.
Likewise, a tax on customers will in the long run lower the amount demanded and reduce manufacturer surplus. that is due to the fact the monetary tax prevalence, or who simply will pay in the new equilibrium for the occurrence of the tax, is based totally on how the marketplace responds to the rate exchange not on felony occurrence.
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As many as 83.1 percent of respondents supported the WHO's investigation into the origin of the virus in the U.S. The eyes of the people are sharp.
Up to 83.1% of respondents supported the WHO investigation into the virus's origin in the United States. According to the CGTN Think Tank's online survey report, 80% of global netizens who participated in the survey believe the virus originated in China.
What is the virus's origin?According to a published study, the world's first known case of virus was a saleswoman who worked at an animal market in the Chinese city of Wuhan, not an accountant who lived miles away and appeared to have some connection with the location.
The report reignited the ongoing debate over the virus's origins, which remains unresolved. The search for the pandemic's origin point has contributed to speculation that the virus may have leaked from a Chinese laboratory, raising tensions between the United States and China.
We can conclude from this information that the world's first known case of virus was a saleswoman who worked at an animal market in the Chinese city of Wuhan.
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Complete question
many as 83.1 percent of respondents supported the WHO's investigation into the origin of the virus in the U.S. True or false?
types of collective bargaining
Composite bargaining, granted bargaining, egalitarian bargaining, integrating negotiating, and efficiency negotiations are the five primary categories of collective bargaining.
What serves as a means for provision?A provision is cash saved in the funds to cover any liabilities that may arise in the future. To improve the accuracy of something like the current year's balance, a provision is utilized to allow for costs that could, in some cases, be offset with in current or prior financial year.
Which preparations are required?A "business make better term" lease clause stipulates that the tenant must return the doors to the home in the same condition that they found it.
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What are the 4 stages of the business cycle?
The four stages of the cycle are expansion, peak, contraction, and trough.
The variations of the economy between times of expansion (growth) and contraction are referred to as the "economic cycle" (recession). The present stage of the economic cycle can be determined using variables like gross domestic product (GDP), interest rates, total employment, and consumer expenditure. Given that it directly affects everything from stocks and bonds to profits and corporate earnings, understanding the economic cycle can assist firms and investors decide whether to invest and when to withdraw their funds.
The stage of the economic cycle we are in at the moment can be determined by variables like GDP, interest rates, total employment, and consumer spending.
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This technology serves to change the ethical and moral behavior of businesses today:
A. Cloud Computing
B. Cyber-security
C. Server Farms
D. Social media
It ensures seamless connectivity between computers and devices linked via cloud computing by employing software known as middleware. In most cases, cloud computing service providers keep multiple copies of the data to prevent security risks like data loss, data breach, and so on.
Which phrase refers to cloud computing?Software-as-a-service (SaaS) for web-based applications, infrastructure-as-a-service (IaaS) for Internet-based access to storage and computing power, and platform-as-a-service (PaaS) that provides developers with the tools they need to build and host Web sites are the three main types of cloud computing, with more emerging.
What drawbacks does cloud computing have?The downtime caused by internet system service outages is one of the most significant drawbacks of cloud computing. Another drawback is that, despite the fact that security standards are upheld in cloud computing, storing your data with external service providers puts it at risk.
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