Answer:
the promotional mix
Explanation:
All of the different aspects described in the question are part of a group known as the promotional mix. In the context of marketing, this mix describes a blend of promotional variables chosen by marketers to help a firm reach its goals. This mix is divided into 5 categories which are, advertising, PR, promotions, direct marketing, and personal selling. Each with its own function but all working toward the same goals.
Phillippe invested $1,000 ten years ago and expected to have $1,800 today. He has not added or withdrawn any money from this account since his initial investment. All interest was reinvested in the account. As it turns out, he only has $1,680 in his account today. Which one of the following must be true?a) He earned simple interest rather than compound interest.b) He did not earn any interest on interest as he expected.c) He ignored the Rule of 72 which caused his account to decrease in value.d) He earned a lower interest rate than he expected.e) The future value interest factor turned out to be higher than he expected.
Answer:
d) He earned a lower interest rate than he expected
Explanation:
Data provided in the question
Invested amount ten years ago = $1,000
Expected amount = $1,800
Today amount = $1,680
Based on the above information,
Since the bond is based on the floating rate not the fixed rate that results in the value of the investment to $1,800
And, the today amount is $1,680 i.e. less than the expected amount so the internet rate should be less as compared with the expected rate
hence, correct option is d.
Ryan, a foreign-exchange dealer, sold U.S. dollars for Swiss francs in the United States, then sold Swiss francs for Japanese yen in Switzerland, and then sold the Japanese yen for U.S. dollars in the United States. Ryan hopes that he will end up with more U.S. dollars than when he began. Which term best describes Ryan's actions
Answer: Arbitrage
Explanation:
Arbitrage occurs when an economic agent such as an individual buys and sells currencies, securities, or commodities in several markets simultaneously so that the individual can take advantage of the different prices that is charged for the same asset. This is the method that is being used by Ryan in the question.
Which of the following is TRUE? Group of answer choices Flexibility in structure is more important than stability. Strategy has a more important influence on structure than structure has on strategy. Large organizations can retain a simple structure as long as they have a focus strategy. Organizations tend to change structure too frequently, which erodes their competitive advantage.
Answer: Strategy has a more important influence on structure than structure has on strategy
Explanation:
Organizational structure specifies formal reporting relationships of an organization, controls, procedures, authority and the decision-making processes.
Organizational strategies are the actions put in place by an organization to achieve its goals. It should be noted that strategy has a more important influence on structure than structure has on strategy.
Your customer purchases FYZ 4% convertible preferred stock at $60 per share. The conversion price is $10. With the common stock now trading 1 point below parity, you know that the common shares of FYZ are trading at
Answer:
$9
Explanation:
Calculation for how much the common shares of FYZ are trading
First step is to find the conversion ratio
Using this formula
Conversion ratio =Market price of the convertible+Conversion price)/Conversion price
Let plug in the formula
Conversion ratio=$70/$10
Conversion ratio=7
Second step is to calculate for the Parity price of the common stock
Using this formula
Parity price=Market price of the convertible / conversion ratio
Let plug in the formula
Parity price=$70/7
Parity price=$10
Last step is to calculate how much the common shares of FYZ are trading
Using this formula
Common shares =Parity price-Common stock trading point
Let plug in the formula
Common shares =$10-1
Common shares=$9
Therefore the common shares of FYZ are trading at $9
This client has just been informed that he has been promoted and will be earning $190,000 per year instead of $140,000 per year. The customer intends to use this extra income to fund his 13-year old child's college education. Based on the customer's existing asset mix, the best recommendation would be for the customer to invest the extra $50,000 per year into a(n):
Complete question:
Customer Name: John Doe
Age: 41
Marital Status: Married
Dependents: 1 Child, Age 13
Occupation: Engineer
Household Income: $140,000
Net Worth: $240,000 (excluding residence)
Own Home: Yes
Investment Objectives: Total Return / Tax Advantaged
Investment Experience: 12 years
Current Portfolio Composition: 8% Common Stocks
62% Corporate Bonds
30% Money Market Fund
This client has just been informed that he has been promoted and will be earning $190,000 per year instead of $140,000 per year. The customer intends to use this extra income to fund his 13-year old child's college education. Based on the customer's existing asset mix, the best recommendation would be for the customer to invest the extra $50,000 per year into a(n):
A. money market fund
B. income fund
C. growth fund
D. inflation protected fund
Answer:
C.) Growth fund
Explanation: With the help of a growth fund which the client may be able to achieve his aim, the growth fund is mainly fo used on multiplication and expansion of investment which aid the rapid increase in invested capital. With a growth fund, rather than being paid dividends on investment, they are added to the capital and reinvested which will aid the capital outlay of the investor within the specified period.
Also, previous investment in equities is significantly low at 8%, so investing the pay rise in a growth fund is a very good idea.
As part of her annual review of her company's budgets versus actuals, Mary Gerard isolates unfavorable variances with the hope of getting a better understanding of what caused them and how to avoid them next year. The variable overhead efficiency variance was the most unfavorable over the previous year, which Gerard will specifically be able to trace to:
Options:
a. Actual overhead costs below applied overhead costs
b. Actual production units below budgeted production unit
c. Standard direct labor hours below actual direct labor hours
d. The standard variable overhead rate below the actual variable overhead rate
Answer: c. Standard direct labor hours below actual direct labor hours
Explanation: The variable overhead efficiency variance can obtained by multiplying the difference between the actual and Budgeted labour hours by the hourly rate for standard variable overhead. In this case, the outcome may be favorable or unfavorable. The variable overhead efficiency variance will be favorable if the actual labor hours is less than the budgeted hours while it will be unfavorable if the actual labor hours exceed the budgeted labor hours as described in the scenario above.
Team members support one another when they view differences as being
Answer:C
Explanation:
Qualities and skills the add value
Answer:
qualities and skills that add value
Explanation:
ADAP Advisers is offered a large block of ACME stock (a NYSE-listed issue) by an institutional investor at a 20% discount to the current market price, if ADAP Advisers is willing to buy the block that day. Which statement is TRUE if ADAP purchases the block for its own account rather than for its customers
Options :
A. This action is prohibited without exception, since ADAP Advisers is benefiting at the expense of its customers
B. This action is permitted if ADAP Advisers rebates any profit that it earns to its customers when it sells the block
C. This action is permitted if the purchased stock is not a suitable investment for ADAP's customers
D. This action is permitted if the block is purchased in the Third Market during the hours that the NYSE is closed
Answer: C.) This action is permitted if the purchased stock is not a suitable investment for ADAP's customers
Explanation: ADAP being a professional in the aspect of advisory investment, have a legal and ethical responsibility or obligation called fiduciary duties to their clients, both buyers and sellers. Therefore it is always very important to keep this at the forefront of their dealings in other to avoid soiling their reputation and integrity. Therefore, even though the stock offered to ADAP advisers is at substantial discount, ADAP advisers must ensure that the stock is a suitable investment for it's customers before offering it to them.
The fact that ADAP purchased the stick on it's own account may reasonably infer that the stick is not a suitable investment for it's customers.
Mika has borrowed $5,000 from her cousin Jun and not repaid it. Now, Mika is selling her house to Jun’s nephew, Cheong. As Mika writes up the contract, Jun tells her that if she doesn’t sell the house at a steeply discounted price, Jun will take the matter of the $5,000 to court. What is true about this situation?
Answer:
Jun's pressure and influence has invalidated Mika's consent.
Explanation:
By threatening Mika with prosecution if she doesn't set a discount for the sale of her house on the grounds of her debt to her, she has influenced Jun's consent or rather coerced it and therefore Mika's consent is invalidated in the agreement. Consent is free under law if contract and should be given under undue influence, duress or any other vitiating factor that will render the contract null and void such as the example above
A federal bank examiner came to a bank in Jacksonville. He audited the books and he checked out the staff and the office facilities. He checked the public rooms and the lunch room. Everything was thoroughly examined. Later, he charged the branch manager with a violation of the Federal Fair Housing Act because he did not see:
Answer:
Eminent domain for the public good.
Explanation:
He charged the branch manager because he didn't see eminent domain for public use.
In eminent domain the government, the government the government has the power to take private property for public use.
The bank is a public place and as such are required to have a public domain that is members of the public or for civic use. Such a party is likely going to be for public use or it could be delegated to third parties.
The marketing manager from a heavy-equipment manufacturer in Dallas,Texas was attending an international trade show in Japan.There were many prospective customers from different countries who seemed interested in the firm's product.However,they had difficulty following the manager's explanations of product features due to his heavy Texas drawl.In this case,the accent would be considered:__________.
A) an encoding error
B) a decoding error
C) culture shock
D) noise
E) distortion
Answer:
D) noise
Explanation:
Since it is mentioned in the question that there were many possible customers who belong from different countries are seemed interested in the firm product but at the time when the manager explained the features of the product, there was difficulty due to heavy Texas drawl.
So this situation represents the noise and hence the same is to be considered
Monty Boyd, an account manager, travels frequently on West Coast Airlines. Monty earns points for every mile he flies, and he will soon have enough points to receive a free airline ticket. West Coast Airlines is attempting to build a strong customer relationship with Monty through a ________.
Answer:
frequency marketing program
Explanation:
A frequency marketing program is a strategy that companies use to increase loyalty, maintain their customers in the long term and get them to keep buying the products or services by generating connections giving them information that is adjusted to their specific needs. According to this, the answer is that West Coast Airlines is attempting to build a strong customer relationship with Monty through a frequency marketing program because this program tries to generate a long term relationship with the customers so they keep using the service as in this case where the customer gets points by using the service that can be exhanged for rewards.
Martin and Sons (M and S) currently is an all equity firm with 64,000 shares of stock outstanding at a market price of $25 a share. The company's earnings before interest and taxes are $86,000. M and S has decided to add leverage to their financial operations by issuing $480,000 of debt with a 7% percent interest rate. This $480,000 will be used to repurchase shares of stock. You own 2,700 shares of M and S stock. You also loan out funds at a 7% percent rate of interest. How many of your shares of stock in M and S must you sell to offset the leverage that the firm is assuming
Answer:
810 stocks
Explanation:
M and S can repurchase $480,000 / $25 = 19,200 stocks
the number of shares that you need to sell to offset the firm's leverage = total amount of stocks that you own x (total stocks repurchased / total stocks outstanding before buyback) = 2,700 x (19,200 / 64,000) = 2,700 x 0.3 = 810 stocks
Since your goal is to offset the firm's new leverage, you have to sell a proportional amount of your stocks compared to the whole repurchase transaction.
"A customer places an order to buy 100 shares of ABC at the market. The broker enters the order and receives a report of execution shortly thereafter. Ten minutes later, the customer telephones, and states that he placed the order in error and wishes to cancel the order. The appropriate procedure is to:"
Answer:
Explanation:
In this situation , the order has been placed and executed . Cancelling the order is impossible . The execution of an order is the completion of a buy or sell order for a security ,hence it is irrevocable and biding on both the seller and the buyer and none of the two parties can cancel it at such time.
The best and appropriate procedure to handle the situation is to explain the procedures and guiding rules in buying stock to the customer and make him to realize that the order has been executed and biding on them.
Blue Nile is an online retailer of diamonds that has used responsive transportation to ship diamonds to customers in the United States, Canada, and several countries in Europe and Asia. Which is the mode of transportation used with this strategy
Answer:
Air transportation.
Explanation:
Responsive transportation is a form of shared transportation system where regular public transit or a personalized taxi that are frequent on a particular route are used to enhance a speedy and economical delivery of items and passengers en - route different destinations but in the same direction.
Looking at the three major modes of transportation which are road , air and sea, the one that suits this scenario is the Air system.
Being an international route , the road system does not fit in , and the ship on the sea is not a good option for responsive transportation considering its speed.
A small publishing company is planning to publish a new book. The production costs will include one-time fixed costs (such as editing) and variable costs (such as printing). The one-time fixed costs will total 49982. The variable costs will be $8.50 per book. The publisher will sell the finished product to bookstores at a price of 25.25 per book. How many books must the publisher produce and sell so that the production costs will equal the money from sales
Answer:
Break-even point in units= 2,984 units
Explanation:
Giving the following information:
The one-time fixed costs will total 49982. The variable costs will be $8.50 per book. The publisher will sell the finished product to bookstores for 25.25 per book
To calculate the break-even point in units, we need to use the following formula:
Break-even point in units= fixed costs/ contribution margin per unit
Break-even point in units= 49,982/ (25.25 - 8.5)
Break-even point in units= 2,984 units
Tariffs Group of answer choices may be imposed either to raise revenue (revenue tariffs) or to shield domestic producers from foreign competition (protective tariffs). are per-unit subsidies designed to promote exports. are excise taxes on goods exported abroad. are also called import quotas.
Answer:
imposed either to raise revenue (revenue tariffs) or to shield domestic producers from foreign competition (protective tariffs).
Explanation:
A tariff is a compulsory sum levied on the importation of goods. the purpose of tariffs is either to raise revenue (revenue tariffs) or to shield domestic producers from foreign competition (protective tariffs). by imposing tariffs, imported goods become more expensive. this discourages importation and encourages individuals to patronise locally produced goods.
The Housing Financial Discrimination Act (Holden Act) prohibits all financial institutions from discriminating in real estate loan approvals based on the geographic location, the neighborhood, or any other characteristic of the property, known as:
Answer:
Redlining
Explanation:
Redlining stems from discrimination that consists denial of services, maybe financial based on the group one may fall under such as race, ethnicity or location. The Holden act(1977) is a real estate act of California meant to protect individuals from discriminations such as ones that involve denial of mortgage loan on the basis of something other than the credit worthiness of the individual . These discriminations could take the form of mortgage loan and, insurance loan denials or other financial services based on creditworthiness history of the group the person may fall under and not necessarily the individual's qualifications on his own
If a manager believes there are too many pay levels and would like to reduce the number of pay levels from 30 to 20 by combining multiple pay levels, it will engage in ______.
Answer: Broadbanding
Explanation:
Broadbanding is a strategy employed in Human Resources when it is believed that there are too many pay levels. Broadbanding will change this as it involves the banding together of various smaller levels into Broad level so that the pay levels are less in number but wider in range.
Broadbanding gives a business the opportunity to become flatter in hierarchy thereby allowing for pay increases without having to promote a person as they will still be in the same band but get more salary.
Alaska king crab fishing in the 1960s and 70s was a dangerous but rich fishery. Boats from as far away as California and Japan braved treacherous waters to reach the abundant king crab beds in Cook Inlet and Bristol Bay, major waters along the southern Alaska coast. In the early 1980s, the fishery crashed due to overfishing. All crabbing in those areas ended. To this day, there is no crabbing in Bristol Bay or Cook Inlet. a. How would an economist explain the decline of the Alaska king crab fishery
Answer:
Common good
Explanation:
The decline of the Alaska king crab fishery would be explained using the concept of common good.
Now to provide further explanation on what a common good is:
A common good is a good that is beneficial to all persons. Such a good serves everybody as there is no exclusion or rivalry. One major problem with common goods are a depletion of resources. This is what happened when the fishery crashed due to fishery because everyone is entitled to it and uses it, the problem of overfishing was bound to happen.
Shannon and Rene are sisters who enter into a contract to buy an income property. The sisters get into a dispute, and Shannon wants out of the deal. However, their uncle Jerry wants to replace Shannon on the contract. Shannon agrees to the substitution so they go ahead and do it. This is an example of ________.
Answer:
Novation.
Explanation:
In this scenario, Shannon and Rene are sisters who enter into a contract to buy an income property. The sisters get into a dispute, and Shannon wants out of the deal. However, their uncle Jerry wants to replace Shannon on the contract. Shannon agrees to the substitution so they go ahead and do it. This is an example of novation.
Novation can be defined as the process or an act of legally replacing a party in a contract with another, adding an obligation to engage or replacing a contractual obligation to perform with another based on the consent of all involved parties.
The condition where Shannon wishes to get out of the deal and Jerry is replacing Shannon to a contract with Rene, such a contract is referred to as a contract by novation.
A novation contract is dependent on the willingness of both the parties for such replacement as a matter that only the person will replace another and the conditions of the contract do not change.
A contract by novation refers to replacement of undertaking the liabilities and benefits of an already entered contract by one or more person with respect to contract being valid.An illegal contract created without the knowledge of such person who replaces the concerned person for the benefits and liabilities will constitute as a contract viod ab initioThe person who replaces the concerned person will have the sole responsibility of the conditions arising out of entering such contract and hence there will be a direct and unlimited liability.Hence, the correct statement will be that Jerry will be responsible for the benefits and liabilities arising out of such contract which will be shared by Rene as it is a contract by novation.
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Enter the following transactions in the cash book of Sudhir & sons
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Mortgage loan originator Carol is in a hurry to leave on her vacation, and she leaves a customer's file that contains his Social Security number and bank account numbers on her desk. Carol's carelessness is violating what federal law
Answer: Fair and Accurate Credit Transaction Act
Explanation:
From the question, we are informed that Mortgage loan originator Carol is in a hurry to leave on her vacation, and she leaves a customer's file that contains his Social Security number and bank account numbers on her desk.
Carol is violating the Fair and Accurate Credit Transaction Act. The Act was put in place to detect and also hinder Identity theft.
Suppose that sharply lower coffee prices lead to a decrease in the demand for tea. Tea price decreases, and the tea producers experience short-run economic losses. If the tea industry is a price-taker market, after sufficient time is allowed for the market to adjust fully to the decrease in the demand for tea, one would expect the tea industry's output to
Answer:
C)decline and economic losses to disappear.
Explanation:
here are the options to this question :
A)increase and economic losses to persist. B)decline and economic losses to persist. C)decline and economic losses to disappear. D)increase and economic losses to disappear
Coffee and tea are substitute goods. As a result, of the fall in price of coffee, the demand for tea would decrease. The decrease in price of tea would lead to an inward shift of the demand curve, assuming supply remains unchanged in the short run, equilibrium quantity would fall and equilibrium price would fall. this leads to firms in the tea industry experiencing economic losses.
In the long run, firms would exit the tea industry, output would reduce and economic losses would disappear
A woman owns 50 acres of land with 500 feet of frontage on a desirable recreational lake. She wishes to subdivide the parcel into salable lots, but she wants to retain control over the lake frontage while allowing lot owners to have access to the lake. Which of the following types of access rights would provide the greatest protection for a prospective lot purchaser?a. Appurtenant easementb. Easement in grossc. Easement by necessityd. License
Answer:
Appurtenant easement
Explanation:
An appurtenant easement grants the dominant tenement the right to use any adjoining property that transfers with the land through the servient tenement.
While the servient tenement provides the easement . the dominant tenement benefits the easement
In the scenario given , the lots are dominant tenement being the beneficiary of the right to use the land while the lake frontage is the servient tenement as it provides the easement for the lots
Lewis works in a marketing firm and is assigned a very energetic team however lately has not experienced much growth in his career what can he do to boost his career growth? A. always ask for more resources during difficult times. B. ask for a different team to work with. C. offer creative solutions to problems during team discussions. D. post derogatory messages about the company on social media.
Answer:
C
Explanation:
The correct option would be to be offering creative solutions to problems during team discussions.
Offering creative solutions to problems will raise the general performance of the marketing team which will eventually rub off on the career of Lewis himself. The higher the performance of the marketing team, the more growth the career of Lewis would experience.
Asking for more resources or different teams to work with might not solve any problem and worse still, might not be sustainable. Posting derogatory messages about the company on social media is definitely a good way to go down career-wise.
Correct option: C.
In an inert organizational culture, poor working relationships frequently develop between the organization and its employees. the organization tries to avoid layoffs. the organization emphasizes long-term employment. employees regularly receive rewards for their performance. values and norms help the organization build momentum.
Answer:
The correct answer is: the organization emphasizes long-term employment.
Explanation:
An inert organizational culture is one that does not seek to adapt to new work processes and trends whose objective is to innovate and facilitate work and processes.
They are usually organizations whose culture is focused on more inflexible and rigid internal policies, whose focus is on the establishment of processes and does not focus on the relationships and integration of workers.
This type of organization focuses on long-term employment, which can culminate in the lack of innovation in personnel, ideas, processes and the improvement of total quality.
In an inert organizational culture, poor working relationships frequently develop between the organization and its employees the organization emphasizes long-term employment. Thus, option B is correct.
An organizational culture that is inert does not attempt to change in response to emerging trends and work processes with the aim of innovating and streamlining work and procedures.
They are often businesses whose internal rules are more strict and inflexible, whose emphasis is on establishing procedures rather than on fostering connections and worker integration.
Long-term employment is the main focus of this kind of organization, which can lead to a lack of innovation in staff, concepts, procedures, and overall quality.
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"Let's assume that the government decides to regulate a natural monopoly by forcing them to produce at a point where the natural monopoly's demand curve intersects average cost. In this case, the price will __________ and the quantity will ________ when compared to the natural monopoly if it were allowed to operate unregulated."
Answer: fall; rise
Explanation:
A natural monopoly is a form of monopoly that has a high cost, huge capital base and also a strong economies of scale.
If the government decides to regulate a natural monopoly by forcing them to produce at a point where the natural monopoly's demand curve intersects average cost.
This will lead to a fall in price and there will be a rise in quantity when compared to the natural monopoly if it were allowed to operate unregulated."
Henrietta has owned her house for over 50 years. It has fallen into disrepair, but because she lives on a fixed income, she does not have the money to make the needed repairs. She has a considerable amount of equity in the house. What type of loan would BEST provide Henrietta the funds to make the necessary repairs
Answer: Reverse annuity mortgage
Explanation:
A reverse annuity mortgage is a form of loan that is given out which is secured against the value of ones home.
A reverse equity mortgage allows the homeowner to cash some of the equity on the home without the individual selling the house or moving out. This is the type of loan that would best provide Henrietta the funds to make the necessary repairs.
3. What does the segment suggest to guard against employee misuse of workplace technology? *
Answer:
Economics
Explanation:
