A credit union is a nonprofit service cooperative that accepts deposits, makes loans, and provides other financial services.
Credit unions are financial cooperatives that are owned and controlled by their members. Credit unions have lower fees and higher savings rates than traditional banks, and they usually concentrate on giving low-cost loans for their members.
The primary purpose of credit unions is to provide savings and lending services to their members. Members are both customers and owners of a credit union. Members elect a board of directors that sets policies and selects management staff, and the board reports to members at annual meetings. Credit unions are nonprofit organizations, which means that any profits generated by the credit union are returned to its members in the form of lower fees, higher savings rates, and lower loan rates.
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Gibson Valves produces cast bronze valves on an assembly line, currently producing 1600 valves per shift. If the production is increased to 2000 valves per shift, labor productivity will increase by: Group of answer choices 50%. 10%. 20%. 25%. 40%.
The labor productivity will increase by 25%.
Labor productivity will increase by 25%.The labor productivity is a measure of the efficiency of a worker, machine or a system, calculated by dividing the amount of goods produced by the number of hours of labor utilized. It can also be expressed as the ratio of output to input.In the given problem, it is mentioned that Gibson Valves produces 1600 valves per shift.
Now, if the production is increased to 2000 valves per shift, then the increase in production would be:2000 - 1600 = 400 valves per shift
Now, we can find the increase in labor productivity by using the formula:Increase in labor productivity = (Increase in production / Original production) × 100%Putting the values,Increase in labor productivity = (400 / 1600) × 100% = 25%
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fernando is mapping out his time using the 3-step process to complete his business project on marketing to millennials. which stage in the 3-step process should he dedicate the majority of his time to? a. writing b. planning c. perfecting d. all three steps should use equal time.
B) fernando is mapping out his time using the 3-step process to complete his business project on marketing to millennials. the 3-step process should he dedicate the majority of his time to planning.
There are typically three fundamental processes involved in writing a letter's content:
Step 1:Planning : Determine your reader's identity, decide what information you want them to know first (your statement of purpose), decide what other information they should know, and decide whether or not you want them to take action.
Step 2: Writing: a. Create an outline that enumerates the key points and facts that each paragraph will support. b. Utilize your outline to draft the initial version of your letter.
3rd step: editing : Edit your letter to ensure that it is clear, contains all required details, and presents your thoughts logically. b. Make any necessary adjustments. b. Check your letter one again for spelling, grammar, and punctuation errors. d. Make any adjustments required.
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a data analytics team uses data about data to indicate consistent naming conventions for a project. what type of data is involved in this scenario?
Metadata is the type of data involved in this scenario.
What do you mean by metadata?
There are several ways to explain metadata: informational data about other informational data. The basic information about data is condensed into metadata, which facilitates finding and working with specific instances of data. Metadata can be generated automatically with more basic information or manually for greater accuracy. Data that describes other data is known as metadata. Digital objects like files, images, videos, as well as websites can all be identified, located, and described using it. Experts recognise its capacity to help users find, organise, and use information, making it just as valuable as data.
Metadata can be classified as either descriptive, administrative, or structural.
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How many potential threat indicators does a person who is playful and charming, consistently wins performance awards, but is occasionally aggressive in trying to access sensitive information display?
Answer: 1 indicator
Explanation:
A person who is occasionally aggressive in trying to access sensitive information display possess one indicator threat, despite being playful and charming, and onsistently winnimg performance awards.
There is one indicator of insider threat from such a person who is playful and charming, consistently wins performance awards, but sometimes tries to aggressively access sensitive information.
What is an insider threat?
An insider threat is a security risk that may be attributed to someone from within a company.
In the given case, there lies one indicator of a potential insider threat as the person involved gets aggressive when he is trying to access sensitive information about the organization which involves risk.
Hence, there is one indicator of potential insider threat in this case as the person involved shows suspicious behavior while collecting sensitive information about the company.
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A well-known cosmetic company in New York City added new product lines in order to increase its business. In other words, it
The well-known cosmetic company in New York City increased its business by diversifying its product offerings and introducing new product lines.
A well-known cosmetic company in New York City added new product lines in order to increase its business. In other words, it diversified its product offerings to expand its market reach and capture new customer segments.
By introducing new product lines, the cosmetic company aimed to broaden its range of offerings and appeal to a wider customer base. Diversification is a strategic approach that allows companies to reduce reliance on a single product or market, and instead, explore new opportunities for growth.
The addition of new product lines can serve several purposes. Firstly, it enables the company to tap into different customer needs and preferences. By expanding its product portfolio, the company can cater to a more diverse set of consumer demands, potentially attracting new customers who may not have been interested in their previous offerings.
Secondly, diversification allows the company to mitigate risks associated with relying solely on a single product or market. By spreading its operations across multiple product lines, the company becomes less vulnerable to fluctuations in demand or changes in consumer preferences in any particular segment.
Moreover, introducing new product lines can provide opportunities for cross-selling and upselling. Existing customers of the cosmetic company may be enticed to explore and purchase additional products from the expanded range, thereby increasing their overall spending with the company.
In summary, the well-known cosmetic company in New York City increased its business by adding new product lines. This diversification strategy aimed to expand the company's market reach, cater to diverse consumer needs, mitigate risks, and capture additional revenue opportunities.
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who takes music class
I use to take music class
Answer:
I do
Explanation:
All of the following are skills of public relations except:
A. Writing
B. Selling
C. Editing
D. Reading
E. Speaking
Answer: B. Selling
Explanation:
commenced business with the balance at bank 125,000 (journal entry)
bank a/c Dr
to capital a/c
Suppose the price of apples doubles to $3.00 between year 1 and year 2 but that nothing else in the economy changes Instructions: Round your answers to one decimal placea. What would be the percentage change in nominal GDP? b. What would be the percentage change in real GDP?Suppose the prices of both apples and bread double between year 1 and year 2 and quantities remain unchanged. Instructions: Round your answers to one decimal place a) What would be the percentage change in nominal GDP?% b) What would be the percentage change in real GDP?
Answer:
1. Suppose Quantity of Apple sold in year one & two = 100Kg.
Price in year 1 = $1.50 per kg
Price in year 2 = $3.00 per kg
Nominal GDP 1 = Price * Quantity = 1.50*100 = $150
Nominal GDP year 2 = 3*100 = $300
Change in Nominal GDP = $150
Percentage change in Nominal GDP = 100%
b. Real GDP of year 1 = Nominal GDP of year 1 = $150
Real GDP of year 2 = 1.50*100 = $150
Change in Real GDP = 0%
2. Quantity of Bread = 100 units price = $ 1 per unit, year 2 price = $ 2 per units
a. Nominal GDP year 1 = 1*100+1.5*100 = $250
Nominal GDP year 2 = 2*100+3*100 = $500
Percentage change in Nominal GDP = 500-250/500 * 100 = 100%
b. Real GDP year 1 = $250
Real GDP year 2 = 1*100 + 1.5*100 = $250
Percentage change in Real GDP = 0%
The percentage change in nominal GDP is 100% and the Change in Real GDP is 0%.
Percentage change in nominal GDP1. Price in year 1
Price in year 1= $1.50 per kg
Price in year 2 = $3.00 per kg
Nominal GDP 1 = Price ×Quantity
Nominal GDP 1 = 1.50×100
Nominal GDP 1 = $150
Nominal GDP year 2 = 3×100
Nominal GDP year 2 = $300
Change in Nominal GDP = $150
Percentage change in Nominal GDP = 100%
b. Real GDP of year 1
Real GDP of year 2 = 1.50×100
Real GDP of year 2 = $150
Change in Real GDP = 0%
2a. Nominal GDP year 1
Nominal GDP year 1 = 1×100+1.5×100
Nominal GDP year 1 = $250
Nominal GDP year 2 = 2×100+3×100
Nominal GDP year 2= $500
Percentage change in Nominal GDP = 500-250/500 ×100
Percentage change in Nominal GDP = 100%
b. Real GDP year 1
Real GDP year 2 = 1×100 + 1.5×100
Real GDP year 2= $250
Percentage change in Real GDP = 0%
Inconclusion the percentage change in nominal GDP is 100%.
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Leroy's personal information is shown below:
13 years
3 years
Age
61
Tune at address
Age of auto
Car payınent $203
Housing costs Owns Clear
Checking and Both
savings accounts
Finance corapany No
reference
Major credit cards 5
Rano of debt to 294
coine
Declared
Never
banlouptey
According to the following table, what is his credit score?
Answer:
618
Explanation:
just answered it
The first paragraph or part of a business letter is the
OA. introduction
OB. addresses
OC. supporting details
OD. conclusion
SUE
Answer:
introduction
Explanation:
I don't know how to explain
Spice Inc. S unit selling price is $48, unit variable costs are $30, fixed costs are $108,000, and current sales are 9,500 units. How much will operating income change if sales increase by 6,000 units
The operating income will change if sales increase by 6,000 units by: 108,000.
Change in operating incomeUsing this formula
Change in operating income=(Selling price-Variable cost)×Increase in sales
Let plug in the formula
Change in operating income=($48-$30)×6,000 units
Change in operating income=$18×6,000 units
Change in operating income=108,000 increase
Inconclusion the operating income will change if sales increase by 6,000 units by: 108,000.
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i like peopel but people dont like me so what do i do i woulder why so can so who can help me please because no one wants to so please help me.
At the beginning of the year, an analyst forecasts that the earnings of Gyronetics Corp. Will be $120 per share this year. Due to increased demand for drones, Gyronetics’ main product, earnings are expected to grow at a fast pace forever, at 16% per year. However, due to the riskiness of the business, the analyst believes the appropriate discount rate for the company must also be high, equal to 35%. Gyronetics maintains a constant payout ratio of 3% per year. In the analyst’s opinion, what should Gyronetics’ stock price be?
A. $10. 29
B. $631. 58
C. $22. 50
D. $18. 95
The stock price for Gyronetics Corp. should be $18. 95. Thus, Option D holds true.
The dividend discount model can be used to calculate the stock price of Gyronetics Corp. using the information provided. The formula for this model is:
First, we need to calculate the dividend for this year. The payout ratio is 3%, so the dividend is:
Dividend = Earnings per share * Payout ratioDividend = $120 * 3% = $3.60Next, we can calculate the discount rate minus the growth rate:
Discount rate - Growth rate = 35% - 16% = 19%Now we can substitute these values into the formula to find the stock price:
Stock price = $3.60 / 19%Stock price = $18.95Therefore, the answer is D. $18.95.
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what describes most industrial life in the latter nineteenth century? responses eight-hour day, guaranteed pensions, and comfortable working conditions eight-hour day, guaranteed pensions, and comfortable working conditions skilled workers practicing their crafts for high wages and higher taxes skilled workers practicing their crafts for high wages and higher taxes equal pay for men and women, african americans and whites, and immigrants and citizens equal pay for men and women, african americans and whites, and immigrants and citizens long hours, unsafe working conditions, and hard labor
"Long hours, unsafe working conditions, and hard labor" describe most industrial life in the latter nineteenth century.
An industry is a collection of businesses that might be associated based on their primary commercial enterprise activities. In current economies, there are dozens of industry classifications. Enterprise classifications are normally grouped into larger classes called sectors.
Number one enterprise involves getting uncooked materials e.g. mining, farming, and fishing. Secondary enterprise includes production e.g. making vehicles and steel. Tertiary industries provide a carrier e.g. coaching and nursing.
The industry is an important source of job creation. Even with the u. s. a .'s monetary crisis, with enterprise being one of the sectors that suffered the maximum.
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could someone give me examples of recourses I need to make a race car video game.
for example sponsors or stuff like that where I can start basically and how to promote it.
Here are a few examples of resources you may need to make a race car video game:
Game development software: To create the game itself, you will need a game engine and other development tools. Some popular game engines include Unity and Unreal Engine. You may also need tools for creating 3D models, animations, and other game assets.
A team of developers: Depending on the scope and complexity of your game, you may need to assemble a team of programmers, artists, designers, and other specialists to help create the game. If you do not have experience with creating video games, you could look for people with the required skills, such as game developers, designers, and engineers to join your team.
Funding: Developing a game can be costly, and you may need to secure funding from investors, crowdfunding, or other sources. Look for angel investors or venture capitalist that are interested in game development to fund your project, or alternatively use a crowd funding platform like Kickstarter or GoFundMe to raise money.
Marketing and promotion: Once the game is complete, you'll need to promote it to potential players. You can consider reaching out to popular gaming influencers, or approach gaming communities and platforms to showcase your game. Additionally, you can use social media platforms to create buzz around your game and generate interest from potential players.
Sponsors: Finally, you can consider approaching companies and brands related to the racing or car industry for sponsorship deals. These deals could be used to help fund your project, and in return the sponsor's brand can be featured in the game.
Keep in mind that creating a video game is a complex process and it can take a significant amount of time and resources to develop. Also, it's important to have a clear plan, including a development schedule and budget, before you begin to ensure that you stay on track and your project is successful.
Hope This Helps You!
the Following 4. Journal sita ram Started business RS 50,000 andbank 100,000 with deposit
Answer:
Whats the question
Explanation:
An adequate diet supplies enough ____________ for energy, and essential nutrients for maintenance, healing, and growth.
An appropriate diet provides sufficient calories for energy as well as critical nutrients for maintenance, healing, and development.
What nutrients provide energy to the body?Carbohydrates are the primary source of energy and one of the six major nutrients. Carbohydrates in the diet include sugars, flour, and fibre. The body's first objective is to supply adequate energy to sustain all cellular functions. Carbohydrates are the preferred energy source.Minerals are essential for cardiovascular function and skeletal formation. These nutrients are required for cell growth and repair.learn more about nutrients refer
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Which of the following describes an internal control procedure for payroll?
A. distributing paychecks to employees in person
B. choosing a weekly pay schedule because employees prefer it
C. requiring employees to cash their checks at a specific bank
D. providing a salary to commissioned employees
Answer: A. Distributing paychecks to employees in person
Explanation:
did it
Question 3
In this class, you will learn how to use Microsoft Word like a business professional.
Which of the following terms best describes this scenario?
O Digital commerce
Digital access
1 p
O Digital literacy
O Digital etiquette
The term that best describes the scenario of learning to use Microsoft Word like a business professional is Digital literacy.
What is digital literacy?This refers to when a person learns more about digital tools and services which they can then use to make their lives better and do work faster.
Learning how to use Microsoft Word like a business professional means learning about a digital tool so this is digital literacy.
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Drummond company provides customized computer training to employees of large corporations. what kind of costing system should drummond use?
Large corporations' employees receive individualized computer training from Drummond Company. Drummond should use job order costing. Option D is correct.
The cost of manufacturing each product is calculated using the job order costing method of costing. When a manufacturer produces a variety of products that are distinct from one another and needs to calculate the cost of each job, this costing method is typically used.
In industries where production is carried out in accordance with the requirements of customers, a costing strategy known as "job costing" is utilized. In businesses where production is done in batches, the costing technique known as batch costing is utilized. For the purpose of determining costs, each job or contract is treated as a distinct unit.
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Complete question as follows:
Drummond Company provides customized computer training to employees of large corporations. What kind of costing system should Drummond use? Multiple Choices
A. None of these answers are correct.
B. Process costing
C. Standard costing
D. Job-order costing
Which statement about the Federal Reserve (the Fed) is true?
O Unless a person works there, the Fed has little impact on everyday life.
O The Fed determines the criteria banks must use to evaluate loan requests.
O The Fed sets monetary policy, which affects the interest rates banks offer.
O Because it is independent, the Fed reviews and approves the national budget.
A statement that is true on the Federal Reserve is that C. The Fed sets monetary policy, which affects the interest rates banks offer.
What does the Federal Reserve do ?The American central bank is known as the Federal Reserve System (FRS). It is conceivably the most potent financial organization in the entire globe and is sometimes referred to as "the Fed." It was established to give the nation a secure, adaptable, and stable financial and monetary system.
Its primary duties include controlling the money supply, establishing interest rates, and overseeing the financial system. In times of economic crisis, it also serves as a lender of last resort, as was shown during the financial crisis of 2008.
These powers of the Federal Reserve mean that it is the one which sets the monetary policy of the United States. This monetary policy will then affect the interest rates on loans, offered by banks.
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(e) Choose the gerund form of the verb from the following.
(1) swim (ii) swimmer (ii) swam
(iv) swimming
Answer:
I believe the answer is swimming. I apologize if it is not. I hope this helped a little.
Pro forma financial statements are prepared at the end of the year and are used to evaluate the performance of managers.
a. True
b. False
False. A pro forma financial statement uses fictitious information or assumptions about potential values to forecast performance over a future period.
What is a pro forma statement used for?A pro forma financial statement uses hypothetical information or assumptions about potential values to forecast performance over a future period. Pro forma financial statements are defined as "financial statements predicted for future periods" in the Financial Accounting online course.Before a proposed transaction, such as an acquisition, merger, change in a company's capital structure, or new capital investment, accountants prepare financial statements using the pro forma approach. These are forecasting tools for the anticipated outcome of the proposed deal.To learn more about Pro forma financial statement refer,
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which fraction is greater? a)3/18,2/6
Answer:
2/6
Explanation:
3/18 = 1/6
2/6 = 1/3
a third is greater than a sixth
The market rate of return is 11 per cent and the risk-free rate of return is 3 per cent. Lexant NV has 3 per cent less systematic risk than the market and has an actual return of 12 per cent. This equity:
Answer:
underpriced
Explanation:
Without mincing words, let us dive straight into the solution to the solution to the question. From the above problem, the following data or information are given:
=> market rate of return = 11 per cent, risk-free rate of return = 3 per cent, Lexant NV = 3 per cent less systematic risk than the market, actual return = 12 per cent.
The expected return = [ 11% - 3%] × 0.97 + 3% = 10.76%.
We are given the actual return to be 12% which is greater than the expected return which is 10.76%.
The equity is overpriced.
Brooks Development Corporation (BDC) faces the following capital budgeting decision. Six real estate projects are available for investment. The net present value and expenditures required for each project (in millions of dollars) are as follows:
Project 1 2 3 4 5 6
Net Present value ($Millions) $15 $5 $13 $14 $20 $9
Expedature required ($Millions) $90 $34 $81 $70 $114 $50
There are conditions that limit the investment alternatives:
• At least two of projects 1, 3, 5, and 6 must be undertaken.
• If either project 3 or 5 is undertaken, they must both be undertaken.
• Project 4 cannot be undertaken unless both projects 1 and 3 also are undertaken.
The budget for this investment period is $220 million.
a. Formulate a binary integer program that will enable BDC to find the projects to invest in to maximize net present value, while satisfying all project restrictions and not exceeding the budget
Making a capital budgeting choice! In order for me to better assist you, kindly give me with the net present value and necessary expenses for each of the six real estate projects.project (in millions of dollars) are as
Making a financial plan for a specific time period for a company or a person is the process of budgeting. It entails anticipating and allocating resources for upcoming costs while accounting for anticipated revenue, costs, and other financial commitments. Budgeting is crucial because it makes it possible to monitor an organization's financial development and guarantees that its financial resources are used wisely. It offers a framework for making decisions and aids in finding possible areas for cost-saving strategies and savings. There are many different sorts of budgets, including operational, capital, cash, and master budgets. Accurate financial information, reasonable assumptions, ongoing monitoring, and review are necessary for effective budgeting.
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Explain the different methods of getting information about foreign employment.
Answer:
The different methods of getting information about foreign employment are:
The different methods of getting information about foreign employment are: Notice board The different methods of getting information about foreign employment are: Notice board newspaper The different methods of getting information about foreign employment are: Notice board newspaper electronic media The different methods of getting information about foreign employment are: Notice board newspaper electronic media websites The different methods of getting information about foreign employment are: Notice board newspaper electronic media websites public programsSelect all the correct answer. Which TWO statements comparing stock and bond investments are true? A. Bonds typically offer higher returns than stocks. Stocks have higher risk than bonds. B. A bond offers fixed interest income, while a stock may offer dividends to investors. C. Investors pay a brokerage fee for buying and selling bonds, while they pay an advisory fee for buying and selling stocks. D. Bonds are traded on an equity-based exchange, while stocks are purchased directly from a corporation.
Answer:
B, C
Explanation:
A stock gives the holder of the stock ownership right in the company that issues the shares.
Stockholders may earn dividends from a company.
Stocks are usually traded on exchanges
Stocks are more risky than bonds so they offer higher returns.
A bond is a debt instrument.
Debtholders are entitled to fixed interest rate payments.
Bonds are usually sold over the counter
Answer:
2. 3.
Explanation:
a flexible budget performance report indicates a sales variance of $200 unfavorable. the variance was likely caused by: multiple choice question. selling units for less than the budgeted price selling more units than budgeted selling units for more than the budgeted price
The variance was likely caused by selling units for less than the budgeted price.
How do you calculate a flexible budget's variance?For instance, a flexible budget model is created with the expectation that the cost per unit will be $100. 800 units were sold in the most recent month, with a $102 average selling price per unit. By multiplying 800 units by $2 per unit, the favorable flexible budget variance for revenue equals $1,600.
What is the difference between the actual sales results and the flexible budget?A flexible budget variation is a calculated discrepancy between the budget that was anticipated and the outcomes. In the aforementioned illustration, the corporation has a goal production capacity of 85%. The estimated or anticipated 212,500 unit sales volume results in a $740,625 profit.
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