Three key takeaways from the history of credit in america
Answers
The Diners Club Card in 1950 was the first credit card. The Franklin National Bank situated in Long Island, New York, issued the first bank credit card in 1951.
The profitability of credit cards did not last long before others saw it and by 1953, and 60 credit card programs were in the United States.It recorded the ability to pay back debts and proved responsible for their repayment.Following are the key purchases from American credit history:
Credit history is a record of your debt repayment abilities and of your responsibility for repaying it.Includes the number and types of credit accounts you have credited, the duration of your account's opening, the amount owing, the quantity of available credit, whether you pay bills on time, and the number of recent credit requests.You will earn rewards for strong credit history, like cheaper rates on mortgage loans and automotive insurance.Learn more:
brainly.com/question/7536106
Explanation:
I hope this image will help you
Related Questions
A warranty in which the seller warrants that he or she has valid title to the goods he or she is selling and that the transfer of title is rightful is known as a warranty ________. of good title of no interference of no security interests against infringements
Answers
Answer:
of good title.
Explanation:
A good can be defined as any physical object or material that typically satisfy and meets the demands, needs or wants of customers. Some examples of a good are mobile phones, television, microphone, microwave oven, bread, pencil, freezer, beverages, soft drinks, etc.
A warranty can be defined as a written promise or guarantee made by a manufacturer, lessor or seller about the identity or quality of goods and services or a property to a purchaser, promising him or her to repair or replace it if necessary within a specified time frame.
Hence, a warranty in which the seller of a good or service warrants that he or she has valid title to the goods he or she is selling and that the transfer of title is rightful is known as a warranty of good title.
A legal title can be defined as the actual (absolute) ownership of a property that is recognized and enforceable in a court of competent jurisdiction.
Capital budgeting decisions ______. Multiple select question. involve an immediate cash outlay in order to obtain a future return are day-to-day decisions made by managers require little or no thought before being made require a great deal of analysis prior to acceptance
Answers
Answer:
involve an immediate cash outlay in order to obtain a future return
require a great deal of analysis prior to acceptance
Explanation:
A capital budgeting decision refers to an investment and the financial commitement. If we considered a project so here the business is making the financial commitment and at the same time it invest in the longer period that have an influence on the future projects
So it is an instant cash outflow for gaining a future return and also have a great deal before accepting it
Labor and management at Leo Trucking cannot seem to agree upon a contract for the truck drivers. As each side contends that they are bargaining fairly, no agreement seems to be possible. The drivers are threatening to go on strike, and management knows that such a strike would prove to be costly. None of the parties involved in the dispute wants to reach a win-win agreement. They are each highly focused on their demands, which they would like to achieve, otherwise known as their ________ points. target tolerance focal distribution resistance
Answers
Answer:
resistance points
Explanation:
In simple words, The resistance level can be understood as the lowest point where a mediated settlement will be accepted. For a vendor, this implies the smallest number (minimum) or end result they are willing to take, whereas for a purchaser, it implies the highest number (upper limit) or bottom boundary they are willing to spend.
Thus, from the above we can conclude that the correct answer is resistance point.
General Staff immediately come together and begin developing strategies. General Staff Chiefs are: Evaluating staffing and supervisory needs in the Incident Command Post. Identifying resource shortfalls. Updating planning documents. What NIMS Management Characteristics are you supporting
Answers
Select all that apply.
Common Terminology
Management by Objectives
Incident Action Planning
Manageable Span of Control
Unified Command
Accountability
Answer:
Management by Objectives
Incident Action Planning
Manageable Span of Control
Explanation:
Considering the information given in the question, the NIMS Management Characteristics I am supporting are:
1. Management by Objectives
This is because, by Management by Objectives, the General Staff are making strategies according to the previous objectives.
2. Incident Action Planning
This is because, by Incident Action Planning, the General Staff are revising planning documents that will comprise staffing and resource necessities.
3. Manageable Span of Control
This is because, by Manageable Span of Control, General staff chiefs are assessing staffing requirements in the Incident Command Post. This is to make sure each supervisor only has personnel that can be managed.
Bryan works as a salesman for Jumbo Corp. Last year his sales target was $3 million. This year in an aggressive bid for growth, the company increased the sales quota for all its sales people to $5 million, although the market for Jumbo Corps products had slowed. In order to meet his target, Bryan bribed an official of a potential customer. The roots of his unethical behavior can be traced to ___ cultural differences in countries. varying ethical standards in different nations. unrealistic performance goals. strong personal ethics among employees.
Answers
Answer:
unrealistic performance goals.
Explanation:
Unethical action is defined as one that is carried out by an individual that is seen as wrong or outside of expected behaviour in a particular environment.
In the given scenario Bryan bribed an official of a potential customer.
However his action is as a result of the company increasing the sales quota from $3 million for all its sales people to $5 million.
This is despite the market for Jumbo Corps products having slowed.
The target was unrealistic driving Bryan to take the action he did
Wolfe Company purchased a truck for $62,000, with an estimated useful life of 8 years and a salvage value of $10,000. The company uses the double-declining-balance method of depreciation; however, after year 3 they switch to the straight-line method. There is no change to the estimated useful life or salvage value. What is the accumulated depreciation balance at the end of year 5 (round to the nearest dollar)
Answers
Answer:
$42306
Explanation:
Depreciation expense using the double declining method = Depreciation factor x cost of the asset
Depreciation factor = 2 x (1/useful life) = 2/8
Depreciation expense in year 1 = 2/8 x 62,000 = 15500
Book value at the beginning of year 2 = 62,000 - 15500 = 46500
Depreciation expense in year 3 = 2/8 x 46500 = 11625
Book value at the beginning of year 3 =46500 - 11625 = 34,875
Depreciation expense in year 3 =34,875 x 2/8 = 8718.75
Book value at the beginning of year 4 = 34,875 - 8718.75 = 26156.25
Straight line depreciation expense = (book value of asset - Salvage value) / useful life
26156.25 - 10,000 / 5 = 16156.25 / 5 = 3231.25
Depreciation expense for the remaining 2 years = 3231.25 x 2 = 6462,50
total depreciation = sum of year 1 to 5 depreciation = 6462,50 + 15500 + 11625 + 8718.75 = $42306
4. Write 5 examples for each of small, medium and large occupation categories. help please
Answers
Small and mid-size enterprises are businesses that maintain revenues, assets or a number of employees below a certain threshold. Each country has its own definition of what constitutes a small and medium-sized enterprise Certain size criteria must be met and occasionally the industry in which the company operates in is taken into account as well.
Thomas, the Department Head of the meat processing unit of a food manufacturing company, refuses to allow an OSHA (Occupational Safety and Health Administration) compliance inspector to carry out the inspection process. In this scenario, what action can the OSHA inspector take
Answers
The action that should be taken by the OSHA inspector is to generate the search warrant so that they could enter into a unit.
The inspection process is the process where the inspection could be done with regard to
Quality of products. Identify the defective products if any.Reveal any hazardous product if any.Since the department head of food manufacturing company refuses to allow an OSHA for carrying out an inspection process so for this:
The search warrant should be produced so that they could be able to enter into the unit and check whether everything is fine or not. If anything is not fine so the proper penalty should be charged for the same.Therefore we can conclude that The action that should be taken by the OSHA inspector is to generate the search warrant so that they could enter into a unit.
Learn more about the OSHA here: brainly.com/question/20475809
Manufacturing cycle time is best defined as the: length of the work shift, expressed in minutes per day. time it takes a unit to move from one workstation to the next. time between the start of one unit and the start of the next unit. sum of all the task times to make one unit of a product. time from raw materials receipt to finished product exit.
Answers
Answer:
time from raw materials receipt to finished product exit.
Explanation:
Manufacturing cycle time is best defined as the "time from raw materials receipt to finished product exit."
To explain better, manufacturing cycle time is the overall time of process that covers the total duration it takes the final production of commodities to be made. That is beginning from the inception stage which is usually raw materials through its conversion stage and eventually into finished goods.
In measuring GDP as the sum of all incomes earned in production, we should include: purchases of used goods. purchases of used goods. American purchases of foreign output. American purchases of foreign output. wages and salaries. wages and salaries.
Answers
Answer:
wages and salaries.
Explanation:
GDP is an acronym for Gross Domestic Products (GDP) and it can be defined as a measure of the total market value of all finished goods and services made within a country during a specific period.
Simply stated, Gross Domestic Products (GDP) is a measure of the production levels of any nation.
Basically, the four (4) major expenditure categories of GDP are;
I. Consumption (C).
II. Investment (I).
III. Government purchases (G).
IV. Net exports (N).
Additionally, it is a measure of the total income of all individuals in an economy and the total expenses incurred on the economy's output of goods and services in a particular country.
In measuring GDP as the sum of all incomes earned in production, we should include wages and salaries of the people working in a particular country.
Toby operates a small deli downtown. The deli industry is monopolistically competitive. Toby, along with every other deli in town, is producing the quantity that minimizes average total cost. Assuming the delis are maximizing profits, the: Group of answer choices delis' prices equal their average total costs. number of delis will eventually increase. number of delis will eventually decrease. delis have excess capacity.
Answers
Answer:
number of delis will eventually increase.
Explanation:
A monopolistic competition is when there are many firms selling differentiated products in an industry. A monopolistic competition has characteristics of both a monopoly and a perfect competition. the demand curve is downward sloping. it sets the price for its goods and services.
An example of monopolistic competition are restaurants
When firms are earning positive economic profit, in the long run, firms enter into the industry. This drives economic profit to zero
If firms are earning negative economic profit, in the long run, firms leave the industry. This drives economic profit to zero
in the long run, only normal profit is earned
The deli industry in the town is still earning economic profit because it is producing the quantity that minimizes average total cost. Therefore, in the long run, more firms would enter in the industry.
Give examples if operational conflicts that could occur in a cross- cultural context because of different attitudes towards:1) time, 2) individualism. Give a country or region that would be different from the US for each of the two variables. (2.5 points).
Answers
Answer:
simple
Explanation:
The role of culture in influencing international business management practices and approaches is an undisputed fact [1, 2]. Studies have shown repeatedly that national cultural systems as well as individual cultures greatly affect the corporate cultural system [3, 4] in many ways. For example, national culture influences managerial decision-making, leadership styles, and human resource management practices [5, 6]. Similarly, national cultures affect managerial functions such as communication, motivation, organizational design, people’s expectations of work design, and reward systems [7]. Moreover, organizational polices (e.g., human resource polices) are influenced by various national institutions such as labor laws, educational and vocational training practices, and industrial standards and regulations [8]. In essence, culture organizes values into mental programs and the behavior of people within organizations is an enactment of such programs [9]. Organizations can be the same in such objective dimensions as physical plant, layout, or product, yet very different in the meanings, which the surrounding human cultures read into them [10]. Not only technologies and markets shape organizational culture, but by the cultural preferences of leaders and employees, national culture has a strong impact on people’s interpretations, understandings, and assessment of those with whom they work. Cultural values are important for interpersonal trust, teamwork, and the role of women in the workplace, among other issues [11, 12].
Stabilisation is an important factor of
Answers
Answer:
to prerequisite of economic growth...........
if my answer helps you than mark me as brainliest
Mark Green is considering buying a new Honda Accord. The purchase price of the car is $21,000 but Mark has a trade-in worth $4500. Mark needs a loan to buy the car and knows that his local bank requires him to put down 10% of the purchase price after the value of the trade-in is considered. Mark also knows that bank will charge 8% for the loan and require monthly payments over the next 4 years. What is the minimum down payment that Mark can make
Answers
Answer:
the minimum down payment that Mark can make is $1,650
Explanation:
The computation of the minimum down payment that Mark can make is given below:
Purchase price $21,000
Less: Trade In -$4,500
Net price $16,500
So, the down payment needed should be
= 10% of $16,500
= $1,650
Hence, the minimum down payment that Mark can make is $1,650
At a price of $2,000 per unit, the demand for Rancho 60 mountain bikes from Peyton Bike's Inc. is 300 units, which is the number of bikes the company manufactures every year. This is Peyton Bike's maximum output. If the marketing managers at Peyton Bike's Inc. decide to sell each bike at a price lower than $2,000 per unit, _____.
Answers
The statement "bikes shortage should be developed" is correct.
The following information should be considered:
In the case when the firm wants to sell the product at a lower price so there should be a product shortage.The demand and supply should not achieve at equilibrium.There is no inelastic demand that should be developed.The no of bikes generated should not be increased.Therefore we can conclude that The statement "bikes shortage should be developed" is correct.
Learn more about the product shortage here: brainly.com/question/12596577
Fear of heights is known as
Answers
Answer:
Acrophobia
Explanation:
Acrophobia sometimes develops in response to a traumatic experience involving heights, such as: falling from a high place. watching someone else fall from a high place. having a panic attack or other negative experience while in a high place.
Etica, creatividad, compromiso, excelencia, integridad, credibilidad, pueden ser ejemplos de visiones.
Es VERDADERO O FALSO? . Si es Falso lo justificas.
Answers
Answer:si English?
Explanation:
Rivalry among competing sellers is generally more intense when Group of answer choices industry conditions tempt competitors to use price cuts or other competitive weapons to boost unit volume. barriers to entry are high and buyer switching costs are high. barriers to entry are moderately high and the pool of likely entry candidates is small. buyer demand is growing rapidly. the industry's driving forces are strong and rivals have strongly differentiated products.
Answers
Answer:
industry conditions tempt competitors to use price cuts or other competitive weapons to boost unit volume.
Explanation:
Rivalry refers to the competitions that take place among firms in an industry with the aim of capturing greater market share
rivalry is influenced by :
1. barriers to entry :
If barriers to entry is high, there would be few firms competing for customers, so there would less intense rivalry
2. differentiation of goods in the industry :
If goods are differentiated, goods are unique from that of competitors. so there would be less need for intense rivalry
Feel Good Inc. is a multinational sports goods manufacturer that uses a different strategy in each of its subsidiaries and operations. Moreover, all decision-making is decentralized, which leaves the company open to the threat of opportunistic behavior. Since the expatriate managers do not rely on headquarters expertise, there is also an asymmetry in the transfer of information and specialized knowledge. In the context of the four international strategies proposed by Bartlett and Ghoshal, Feel Good Inc. uses a(n) _____.
Answers
Answer:
multidomestic strategy.
Explanation:
It is correct to state that in the context of the four international strategies proposed by Bartlett and Ghoshal, Feel Good Inc. uses a multi-domestic strategy, which occurs when a company uses several different marketing strategies according to the location where it operates.
Feel Good Inc uses a multi-domestic strategy because the statement tells us that the company uses a different strategy in each of its subsidiaries and operations, and that decision-making is decentralized.
This strategy can be advantageous for adapting the marketing campaign to the needs and desires of a specific target audience in a place. To be effective, market research, population study and market segmentation must be carried out.
Anna wants to take seven days off from her job as an accountant to observe a religious holy week. Her employer is reluctant to allow the leave, because they are already short staffed for that week. He employer has over 15 employees, and is not a religious organization. Must they grant her request for leave
Answers
Answer: They must grant the leave only if it amounts to a reasonable accommodation
Explanation:
Based on the information given in the question, they must grant the leave only if it amounts to a reasonable accommodation.
A reasonable accommodation refers to an adjustment that is made in a system in order to accommodate the system for an individual due to the fact that there is a proven need. Such accommodations can be mental, physical, religious, academic or emotionally related.
A client has a third-degree burn on the leg. The wound is being treated by the open method. After about 4 days, a hard crust has formed around the leg and is impairing the circulation to the leg. What procedure would be done to relieve pressure on the affected area?
A. escharotomy
B. debridement
C. allograft
D. silvadene application
Answers
your answer is third hope it's helpful to you
Allograft procedure would be done to relieve pressure on the affected area.
What is Allograft?Allograft refers to the transplant of an organ or tissue from one person of the same species to another with a different genotype. For instance, an allograft is a transplant from one individual to another who is not an identical twin. Many human transplants, including those involving cadaveric, live related, and living unrelated donors, use allografts. also referred to as a homograft or an allogeneic graft.
Allografts can be used in a variety of conditions with varied degrees of severity. For instance, bone allograft transplants can be utilized for more cosmetic purposes in dentistry or plastic surgery, as well as to repair limbs in orthopedics.
Allograft transplants can be employed both during the operation and directly for the treatment of patients. A type of bone putty created from donated bone or tissue material is called a demineralized bone matrix. Musculoskeletal allograft transplants are the most popular kind of allograft transplants.
This relates to one of the primary justifications for the use of allograft transplants: synthetic materials can have characteristics that differ from those of biologically human tissue and may not be appropriate for the intended application. In addition, tissue from an allograft transplant usually fuses with the recipient's own tissue over time, becoming an indistinguishable component of the recipient's body. If one's own tissue cannot be used in sufficient quantities, allograft transplants may be employed.
Tissues can be prepared for allograft transplantation using a variety of techniques. To get rid of as many cellular components as feasible, the tissue is treated with antibiotics, and detergents during aseptic processing.
It is also possible to chemically sterilize allograft tissue using the sterilization process. Gamma irradiation, a type of electromagnetic radiation that purges the tissue of microorganisms, is frequently combined with this. However, viruses might not be eliminated by gamma radiation.
Hence, correct option is C.
To learn more about allograft, click here
https://brainly.com/question/453869?
#SPJ2
10. Publishing representatives who call on college professors to inform them of their company's new publications have a great deal of freedom in their jobs. They have only a general sales pitch, which they tailor as needed. Based on this information, we can say that the job of these publishing representatives ________.
Answers
Answer:
Scores low on degree of formalization
Explanation:
Degree of formalization of a process is the level to which the process is free of the personal input of the individual executing the process.
It implies that in high degree of formalization process execution is set and the same steps are followed by all participants.
In the given instance Publishing representatives have a great deal of freedom in their jobs.
They tailor their sales pitch as they see fit.
This shows a low degree of formalization in the sales process
A city filed eminent domain proceedings in order to obtain 40 beach houses fronting a particularly attractive stretch of shoreline. As part of an elaborate plan to increase the city's tourist trade and revive the local economy, the city planned to sell the beach houses to a company that would demolish the houses and build a luxury hotel in their place. The owners of the beach houses have challenged the city's exercise of eminent domain, contending only that the city's plan is unconstitutional. Will the owners of the beach houses be likely to prevail
Answers
Answer:
No, because the planned sale to the private developer to increase the tourist trade qualifies as a public use.
Explanation:
Eminent domain is the provision that gives a government the ability to take a private property and convert it to public use. The owner of the property is however required to be compensated adequately.
In this instance the city filed eminent domain proceedings in order to obtain 40 beach houses as part of an elaborate plan to increase the city's tourist trade and revive the local economy.
Since this is for public gain the city has a legal right to file for an eminent domain here.
So the owners will most likely not prevail in this situation
A lease provides that a retail tenant pays $900 minimum rent per month plus 3% of the gross sales in excess of $200,000 per year. If the tenant paid a total rent of $20,520 last year, what was the gross sales volume
Answers
Answer:
45,650
Explanation:
The gross sales volume was $45,650.
What was the gross sales volume?The entire quantity of incoming income throughout a specific time frame.
Gross sales are discussed with the grand overall of all income transactions over a given time period. this doesn't encompass the cost of income or deductions
sales volume refers to the number of units your corporation sells at some point of a selected reporting duration. this era may be a month, a quarter, or a year relying on what degree of sales extent you are in search of to research. buyers often study sales volume to assess the fitness of a developing or contracting business enterprise.
To calculate gross sales, upload the total income revenue for a specified time period—monthly, quarterly, or annually.
The minimum rent per month is $900.
gross sale percentage = 3%
The tenant paid a total rent of $20,520 last year.
The gross sales volume = $45,650.
Learn more about the gross sale here:-https://brainly.com/question/4177260
#SPJ2
The assumption that preferences are complete: Group of answer choices means that a consumer will spend her entire income. means that the consumer can compare any two market baskets of goods and determine that either one is preferred to the other or that she is indifferent between them. is unnecessary, as long as transitivity is assumed. recognizes that there may be pairs of market baskets that cannot be compared.
Answers
Answer:
means that a consumer will spend her entire income. means that the consumer can compare any two market baskets of goods and determine that either one is preferred to the other or that she is indifferent between them
Explanation:
In the case when the presumption is to be considered as completed means that the consumer would able to spend her overall income. That means the consumer could compared any kind of two markets for the goods and measures which one is to be preferred over the other or it is indifference between them
So as per the given situation, the first option is correct
How have people been lately good? bad? something else?
Answers
Answer:
People have been very bad lately
Your friend Reggie needs to write a resume and asked for your help. In at least 150 words, create a guide for Reggie. What are the essential parts of the resume? What will he need to include? What will he need to avoid? Include information about how he should organize.
Answers
Answer:
Name
Address
Contact Number
Objective
Work Experience
Extra Curricular Activities
School Graduated
Referral
Signature
Explanation:
Simple steps in making a Resume
Which of the following is the best example of the use of automation?: (A) A garment sewn by an operator at a sewing machine. (B) A letter written by a secretary using a computer. (C) An automobile painted by a computer-directed robot on an assembly line. (D) A medical assistant drawing blood from a patient's arm.
Answers
Answer:
c
Explanation:
no humans
Aesha works for a moderately priced running shoe manufacturer and while their products are lower in cost, there is a high degree of consumer pressure to create the best quality running shoes possible and to constantly innovate with new designs. Which aspect of Porter’s Diamond does this demonstrate
Answers
Answer:
Demand conditions
Explanation:
Demand conditions means the size and the nature of the customer base for the products that could result in innovation and the improvement related to the product.
Since in the given situation it is mentioned that their products contains less cost but they develop the best quality shoes also they innovate the products from time to time so this represent the demand conditions
uppose the government wants to limit imports of a certain good. Is it preferable to use an import quota or a​ tariff? Why? A. A tariff is preferable because the producer surplus gain is larger than with a quota.​ Therefore, the tariff creates a smaller deadweight​ loss, which is preferable from​ society's standpoint. B. Quotas and tariffs are equivalent in their ability to limit imports and therefore are equally preferable. They cause the same changes in consumer and producer surplus and thus the same deadweight loss. C. A quota is preferable because it​ doesn't require imposing a tax on the good to limit imports. Consumers can still benefit from a lower price while domestic producers benefit from increased sales. D. Although consumer and producer surplus changes are the same under quotas and​ tariffs, tariffs are preferable because the government can redistribute the tariff revenue to offset most of the deadweight loss.
Answers
Answer:
Although consumer and producer surplus changes are the same under quotas and tariffs, tariffs are preferable because the government can redistribute the tariff revenue to offset most of the deadweight loss.
Explanation:
