The sales forecast and operating budget is both important tools for financial planning. While the sales forecast is used to predict revenue, the operating budget is used to manage expenses.
Sales forecasts and operating budgets are two financial planning tools used by businesses. Both are essential to the success of the company. However, there are differences between the two. A sales forecast is an estimate of future sales within a given period. The sales forecast helps businesses to anticipate future demand and to plan accordingly. A sales forecast is an estimate of revenue. It also determines the number of products the company needs to sell to achieve the desired profit. An operating budget is a detailed plan that outlines how a company will spend its financial resources. The budget includes operating expenses such as rent, salaries, and utilities. The operating budget is used to determine whether a company can meet its financial obligations, how much money it needs to borrow, and how much money it has available to invest in new projects.
The main differences between a sales forecast and an operating budget are: A sales forecast is an estimate of future sales while an operating budget is a plan for managing expensesSales forecast focuses on sales, while the operating budget focuses on expenses. The sales forecast is prepared before the operating budget. The sales forecast is based on estimates while the operating budget is based on real dataSales forecast is used for strategic planning while the operating budget is used for day-to-day decision making. The sales forecast is used to predict sales volume and revenue, while the operating budget is used to determine the allocation of funds to different departments. Overall, the sales forecast and operating budget are both important tools for financial planning. While the sales forecast is used to predict revenue, the operating budget is used to manage expenses.
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what is the risk premium for an asset with an expected return of 7.52 percent if the risk-free rate is 2.88 percent and the inflation rate is 2.17 percent?
The risk premium is the excess return an investor expects to earn for taking on additional risk by investing in a particular asset. In order to calculate the risk premium for an asset with an expected return of 7.52 percent, we need to subtract the risk-free rate from the expected return.
The risk-free rate is the return an investor can earn by investing in a risk-free asset such as a US Treasury bill. In this case, the risk-free rate is 2.88 percent. However, we also need to take into account the impact of inflation on the investor's purchasing power. Inflation reduces the real value of the return earned by the investor. In this case, the inflation rate is 2.17 percent. Therefore, the nominal risk premium for the asset can be calculated as follows:
Nominal risk premium = Expected return - Risk-free rate = 7.52% - 2.88% = 4.64%
However, to calculate the real risk premium, we need to adjust for the impact of inflation:
Real risk premium = Nominal risk premium - Inflation rate = 4.64% - 2.17% = 2.47%
Therefore, the real risk premium for the asset is 2.47%. This means that the investor is expecting to earn an excess return of 2.47% over and above the risk-free rate to compensate for the additional risk they are taking on by investing in the asset.
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if u had a choice would you help have dying family member of be a multi-millionaire
Answer:
Yes i would help them... its the better thing to do...
Explanation:
Answer and Explanation:
Yes. I'd help them.
HELP PLEASE!
1. The Inca civilization's city of Machu Pichu is an example of...
exceptional creative skills
exceptional political skills
exceptional engineering skills
exceptional life skills
2. Before you start practicing as an architect, you must first be certified through:
the NCAA (the National College Athletics Association)
the NWAC (the Northwest Accreditation Committee)
the NCARB (the National Council of Architectural Registration Boards)
the ITSE (the International Technology Symposium of Engineers)
3. Some warehouses and factories may utilize the services of:
an artist
a digital animator
an architect
a meteorologist
4. Ancient architects have used the principles of design to build which of the following?
Homes
Public spaces
Temples & religious spaces
All of the answer choices are correct
5. When researching which career that interests you the most, why is it important to also consider the projected growth of the profession?
It reveals who your competition might be.
It reveals the possible number of jobs that will be available in the field.
It directly relates to how many professional friends you will be making in the future.
Projected growth has no relevance in today's society.
6. An architect will create a design taking into account which factors?
Type of software used to create the architectural design
The quality of paper on which the design is printed
The specific color codes used to indicate the structures in the local area
None of the answer choices are correct
7. Architectural firms bid on what type of projects?
Land excavation projects
Land reclamation projects
Urban space beautification projects
Government and private projects
8. To be an effective City Planner, you must have the ability to work with:
others as well as independently
both structural and mechanical engineers
water quality specialists and pollution controllers
Interior design firms and Urban Planners
9. The structures that a structural engineer designs and builds must take into account which of the following?
Weather
Traffic
Changes in temperature in the structure
All of the answer choices are correct
10. A city planner is responsible for developing effective plans for the development and use of land in which of the following places?
Urban regions
Metroplexes
Small Towns
All of the answer choices are correct
Which is a disadvantage of using computerised system
a) greater accuracy
b) greater speed
c) improved accessibility to key facts
d) system failure
Answer: d- system failure
Explanation:
optimistic people view challenges as opportunities to influence decisions.
Answer:true
Explanation:true
5.
An efficient economy is one that
Ouses its resources to make the most goods and services.
Ohas very few people who do not work for a living.
Omake it possible to increase an economy's output.
Omakes the best use of all its goods and services.
I
Produce a statement of work (SOW) and decompose overall project
goals.
please provide
this statement of work in 300 words with references
The provided statement of work (SOW) outlines project objectives, deliverables, timeline, responsibilities, and decomposes overall project goals.
[Your Name/Organization]
[Date]
Statement of Work (SOW)
Project Title: [Title of the Project]
Project Duration: [Start Date] - [End Date]
1. Introduction:
The purpose of this Statement of Work (SOW) is to outline the objectives, deliverables, timeline, and responsibilities for the [Project Title]. This project aims to [provide a brief overview of the project's goals and objectives].
2. Scope of Work:
The scope of work for this project includes, but is not limited to, the following:
- [List the major tasks and activities to be performed during the project]
- [Specify the deliverables to be produced]
- [Define any specific milestones or checkpoints]
3. Project Goals:
The overall goals of this project are:
- [Goal 1]:
- [Goal 2]:
- [Goal 3]:
- [Etc.]
4. Decomposition of Project Goals:
To achieve the overall project goals, the project will be decomposed into the following sub-goals and corresponding tasks:
Goal 1: [Provide a breakdown of sub-goals and tasks]
- Sub-goal 1.1:
- Sub-goal 1.2:
- Etc.
Goal 2: [Provide a breakdown of sub-goals and tasks]
- Sub-goal 2.1:
- Sub-goal 2.2:
- Etc.
Goal 3: [Provide a breakdown of sub-goals and tasks]
- Sub-goal 3.1:
- Sub-goal 3.2:
- Etc.
5. Timeline and Milestones:
The project timeline and major milestones are as follows:
- [Provide a timeline with key dates and milestones]
6. Roles and Responsibilities:
The following roles and responsibilities are assigned for the successful completion of this project:
- [List the project team members and their roles]
- [Specify any external stakeholders and their involvement]
7. References:
[List any references or sources that were used in developing this Statement of Work]
By signing below, all parties involved acknowledge their understanding of and commitment to the contents of this Statement of Work.
[Project Sponsor/Client] [Project Manager/Authorized Representative]
[Signature] [Signature]
[Date] [Date]
Note: This is a sample Statement of Work (SOW) and should be customized to fit your specific project requirements and organizational guidelines.
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Question 3 of 10
Mr. Smith built a garage at the back of his property without getting a land
survey. Two months later his neighbor tells him the garage is one foot into his
property. Mr. Smith refuses to move it, but the neighbor goes to court and
wins. What type of injunction will be issued to Mr. Smith?
O
A. A mandatory injunction
B. A prohibitive injunction
O
C. A temporary injunction
D. A restraining order
Answer: A. A mandatory injunction
Answer:
A. A mandatory injunction
Explanation: just took the quiz
Which statement below is not correct regarding the Projected Benefit Obligation (PBO)?
Group of answer choices
The PBO is based on future salary levels.
Benefits paid to retirees do not affect the PBO.
A higher discount rate assumption increases the projected benefit obligation.
The PBO represents the present value of the retirement benefits earned to date.
The statement "Benefits paid to retirees do not affect the PBO" is not correct regarding the Projected Benefit Obligation (PBO).
The Projected Benefit Obligation (PBO) is a measure used in pension accounting to estimate the present value of pension benefits that employees have earned to date and are entitled to receive in the future. It represents the accumulated pension liability of a company. Benefits paid to retirees do affect the PBO. When retirees start receiving their pension benefits, those payments reduce the projected benefit obligation. The PBO is adjusted based on the benefits paid out to retirees, as it reflects the remaining obligations the company has towards active and future retirees. The other statements are correct: The PBO is based on future salary levels because pension benefits are often tied to an employee's salary, and the expected salary increases are considered when estimating the future pension obligations.
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The produces computers and sells them to . At the same time produces cars and sells them to the . Suppose there is an appreciation in the . This will cause:
Correct/Complete Question:
The United States produces computers and sells them to Russia. At the same time, Russia produces cars and sells them to the United States. Suppose there is an appreciation in the dollar. This will cause:
Answer:
increase in imports into the United States and decrease in exports to Russia will occur, which will cause a decrease in aggregate demand and real GDP
Explanation:
Aggregate demand is the total demand for a good or service in an economy at a given time. Real GDP on the other hand can be defined as an inflated value of goods and services in an economy at a certain period of time. An inflation of the dollar will increase imports into the united states as it would decrease the exports to Russia. This because the appreciation of the dollar will affect the prices of both computers and cars. And as such will
How are subsidies similar to tariffs? Both are types of taxes. Both aim to lower the price of domestic goods. Both are types of tax breaks and financial assistance. Both allow domestic goods to compete against foreign goods.
Both subsidies and tariffs are tools used by governments to influence the trade of goods and services between domestic and foreign producers. Both allow domestic goods to compete against foreign goods is the correct statement. Option D
How are subsidies similar to tariffs?The statement "Both are types of taxes" is not accurate. A subsidy is a financial assistance provided by the government to domestic producers, while a tariff is a tax imposed on imported goods.
Additionally, while subsidies aim to lower the cost of production for domestic producers, tariffs are used to increase the price of foreign goods in order to make domestic goods more competitive. So, while both subsidies and tariffs can be used to promote domestic production and protect domestic industries, they work in different ways.
Therefore, the statement that is most accurate is "Both allow domestic goods to compete against foreign goods."
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Both subsidies and tariffs are tools used by governments to influence the trade of goods and services between domestic and foreign producers. Both allow domestic goods to compete against foreign goods is the correct statement. Option D
How are subsidies similar to tariffs?The statement "Both are types of taxes" is not accurate. A subsidy is a financial assistance provided by the government to domestic producers, while a tariff is a tax imposed on imported goods.
Additionally, while subsidies aim to lower the cost of production for domestic producers, tariffs are used to increase the price of foreign goods in order to make domestic goods more competitive. So, while both subsidies and tariffs can be used to promote domestic production and protect domestic industries, they work in different ways.
Therefore, the statement that is most accurate is "Both allow domestic goods to compete against foreign goods."
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Q: it is important to develop positive working relationships with the tenants when listing a multi unit residential property. Which of the following is NOT true and working with tenants during the process of listing the property for sale?
The landlord should provide verbal notice to the tenant 12 hours in advance of any showings
the time of entry for showing must be between the hours of 8:00 AM and 8:00 PM
building positive working relationships with tenants can only be achieved through clear communication
entry without notice can be done if the tenant agrees to it in advance
The following statement is NOT true when working with tenants during the process of listing the property for sale: "entry without notice can be done if the tenant agrees to it in advance."
When working with tenants during the process of listing the property for sale, it is important to develop positive working relationships with them. Building positive working relationships with tenants can only be achieved through clear communication. This means that the landlord should communicate with the tenant and provide verbal notice 24 hours in advance of any showings.
The landlord should respect the tenant's right to privacy and provide proper notice before entering the property. The landlord should give a reasonable amount of time between the notice and entry, usually, 24 hours is acceptable, but this may vary by state or jurisdiction.
The landlord should also make sure that the time of entry for showing must be between the hours of 8:00 AM and 8:00 PM. This is a common courtesy that most tenants expect from their landlords.In conclusion, entry without notice can never be done, even if the tenant agrees to it in advance. Proper notice must always be given to the tenant before entering the property.
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from You tube "The Secret History of the Credit Card (full documentary) | FRONTLINE"1. Who are the stakeholders in the credit card industry? How does each stakeholder gain or lose in the story?2. What responsibilities does the government uphold in the story? Has the government fulfilled the responsibilities, in your opinion?3. Some argue that consumers are responsible for their spending habits with credit cards. Should credit card companies be blamed for their business tactics? Why or why not?
1. The stakeholders in the credit card industry include banks, credit card companies, and consumers.
2. The government has a responsibility to ensure that the industry operates in a fair and safe manner.
3. Yes. Because it also engages in unethical business practices. The consumer is responsible for their spending habits
1. The stakeholders in the credit card industry include banks, credit card companies, and consumers. Banks and credit card companies gain from high interest rates, fees, and late payments, while consumers lose when they take on more debt than they can handle or when they face unfair practices.
2. The government has a responsibility to ensure that the industry operates in a fair and safe manner. The documentary highlights that the government has failed to do this, as lenders have taken advantage of consumers.
3. It is difficult to assign blame to either the consumer or the credit card company. Ultimately, the consumer is responsible for their spending habits, but the credit card companies are also engaging in unethical business practices. Therefore, both the consumer and the credit card companies should take responsibility for their actions.
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A cheque of Rs 4500 received from yogesh and deposited into bank. Required: Journal Entry
Answer:
See below
Explanation:
This transaction will affect the bank balance by increasing it with the check amount. The bank is cash (asset ) held in the bank. An increase in assets account is a debit. The bank A/c will be debited.
The check is received from Yogesh. Yogesh must have bought goods on credit and hence is an account receivable (asset). Since Yogesh has paid, his account decrease by the check amount. A decrease in assets is credited.
The journal entry will be
Bank A/c DR. Rs 4500
Yogesh A/c Cr. Rs 4500
under the ucc, value has not been given if the holder ________.
Under the Uniform Commercial Code (UCC), value has not been given if the holder of a negotiable instrument did not provide any consideration in exchange for the instrument. In other words, if the holder received the instrument as a gift or without any obligation to pay for it, value has not been given.
For example, if someone gives a check to a friend as a gift, the friend is not considered to have given value for the check under the UCC. Similarly, if a company receives a promissory note from a customer without providing any goods or services in exchange, the company has not given value for the note.
The concept of value is important in determining the rights of the holder of a negotiable instrument. A holder who has given value for the instrument has certain rights, such as the right to enforce the instrument against the issuer or other parties involved in the transaction. On the other hand, a holder who has not given value may not have the same rights and may not be able to enforce the instrument in the same way.
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A multinational enterprise would likely be motivated to pursue a global-standardization strategy in order to ______. (Check all that apply.)
evaluate three ways in which employment will minimize emotional stress
Answer:
Workplace is a different environment. If you are stress by your home then being in a workplace can help you stay away from the source of stress.
Your workmates is a potential source of happiness.
Being paid by the task that you have done.
Explanation:
The ways employment will minimise emotional stress are:
Employment provides a source of income with which employees can afford to buy items that would make them happy. As a result of employment, people are able to socialise with other workers. This would prevent isolation and reduce emotional stress. As a result of employment, people becomes less bored and more productive. This can eliminate emotional stress.What is employment?Employment is when labour has a job that they earn an income from. Working as a teacher is a form of employment.
Employment is a source of income, friendship and an avenue for socialisation. These can minimise emotional stress.
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the contact information for customers who wish to report inaccuracies on their account statements cannot be the: a representative servicing the account b compliance department of the broker-dealer c operations department of the broker-dealer d office of supervisory jurisdiction of the broker-dealer
Option A. representative servicing the account. A account statement is a periodic summary of your account transactions, including start and end dates.
The most well-known are the checking account statement, which is usually provided monthly, and the deposit statement, which is provided monthly or quarterly. Monthly credit card statements also count as account statements.
An account statement refers to almost any official overview of your account, regardless of where it is located. For example, insurance companies may provide bank statements summarizing the value of cash deposited.
Statements can be created for almost any type of account representing an ongoing transaction in which funds are repeatedly exchanged.
A bank statement may be considered a summary of your account and includes a statement of services rendered, fees charged, and outstanding amounts due.
Bank statements must be checked for accuracy and historical statements are essential for budgeting.
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Complete question:
The contact information for customers who wish to report inaccuracies on their account statements CANNOT be the:
A. representative servicing the account
B. compliance department of the broker-dealer
C. operations department of the broker-dealer
D. office of supervisory jurisdiction of the broker-dealer
List 5 expenses that are fixed (ie. something you have to
pay each month and doesn't change
Answer:
food
toiletries
clothing
education
rent
A trust established by your will that becomes effective upon your death is called a(n) ____________ trust.
testamentary
living
irrevocable
revocable
Answer:
testamentary trust is the answer.
Answer: hello, your answer would be TESTAMENTARY
Explanation:
i just finished the test and got it right
Job specifications describe the duties, tasks, and responsibilities performed on the job and therefore play a key role in performance appraisal.
a. true
b. false
The given statement is (B) False.
Job specifications do not play a direct role in performance appraisal. Performance appraisal focuses on assessing an employee's job performance against specific goals, targets, and competencies, rather than the duties and responsibilities outlined in job specifications.
Job specifications, on the other hand, provide a detailed description of the duties, tasks, and responsibilities associated with a particular job role. They are used during the hiring process to determine the qualifications and skills required for a job, and serve as a reference point for employees to understand their roles and responsibilities.
While job specifications may indirectly influence performance appraisal by providing a framework for evaluating job-related competencies and performance expectations, they are not directly used as a criteria for evaluating an employee's performance.
In performance appraisal, other factors such as job performance goals, key performance indicators (KPIs), employee behavior, and individual accomplishments are considered. These factors are typically defined separately from job specifications and are aligned with organizational objectives and performance standards.
In conclusion, job specifications do not directly play a key role in performance appraisal. They provide a description of job duties and responsibilities, whereas performance appraisal focuses on assessing an employee's performance against predetermined goals and criteria.
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Tom, the borrower, gave Joe, the lender, his mortgage as security for his loan. Under the terms of the mortgage, Tom is identified as the
Answer:
Mortgagor
Explanation:
A mortgagor is a person that borrows money from a lender usually called a mortgagee for a real estate purposes.
In a mortgage transaction, the borrower is the the mortgagor while the lender is the mortgagee.
In the case of the above question, Tom is a mortgagor because he is borrowing money from Joe who is a lender and even providing a security for the loan.
Cheers
The Posttest answers for Thinking critically and solving problems test for essential soft skills training
Critical thinking is very important for a person to be able to solve problems especially when the problems are quantitative in nature
How does critical thinking help in soft skills training?Critical thinking is a valuable skill that helps in soft skills training in several ways. Here are some examples:
Problem-Solving: Critical thinking skills help to identify the root cause of a problem, assess the situation, evaluate possible solutions, and develop effective strategies to solve the problem. This approach helps soft skills training by teaching learners to analyze challenges and think creatively to solve them.
Decision-making: Soft skills training often involves learning how to make informed decisions. Critical thinking skills help individuals to evaluate alternatives, consider consequences, and make informed decisions.
Communication: Critical thinking skills also improve communication by helping learners to analyze and evaluate information, to clarify and organize their thoughts, and to present their ideas and opinions in a clear and concise manner.
Adaptability: Critical thinking skills promote adaptability and flexibility by encouraging learners to assess different perspectives and to think outside the box. By doing so, learners can adapt to changing situations, manage uncertainty, and develop innovative solutions to new problems.
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MULTIPLE CHOICE
What's the most common reason for a vertical merger?
(A) To create subsidiaries of the company in order to specialize in different product areas.
(B) To reduce the number of directly competing businesses that are selling the same thing.
(C) To reduce the cost of doing business by combining with a supplier.
(D) To foster competition among businesses and give customers more buying options.
Answer:
D
Explanation:
To gain more control of the supply chain process, and increase business
The most common reason for a vertical merger is to foster competition among businesses and give customers more buying options. So, D is the correct option.
What do you mean by a vertical merger?A vertical merger refers to the combination of two companies that are primarily involved in the production of the same goods or services but at different stages of production.
The most common reason for a vertical merger is to foster competition among businesses and give customers more buying options.
Therefore, D is the correct option.
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what federal law requires lenders to disclose the annual percentage rate of interest on a loan?
The federal law that requires lenders to disclose the annual percentage rate of interest on a loan is the Truth in Lending Act (TILA).
The Truth in Lending Act (TILA), enacted by the United States Congress, is a federal law that aims to protect consumers by promoting the informed use of credit. One of the key provisions of TILA is the requirement for lenders to disclose the annual percentage rate (APR) of interest on a loan.
The APR represents the true cost of borrowing by taking into account not only the nominal interest rate but also any additional fees or charges associated with the loan. By disclosing the APR, lenders provide borrowers with a standardized measure to compare the costs of different loan offers from various lenders.
TILA mandates that lenders must disclose the APR prominently and clearly, ensuring that consumers have the necessary information to make informed decisions about their borrowing options. This disclosure enables borrowers to assess the total cost of credit and determine whether a particular loan is affordable and suitable for their financial needs.
The Truth in Lending Act and its consumer protection measures in place to safeguard borrowers from deceptive lending practices, unfair credit terms, and predatory lending practices.
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When considering risk response development, passing risk to another party instead of changing it is known as ____________ the risk.A. diminishingB. avoidingC. escalatingD. transferringE. retaining
When considering risk response development, passing the risk to another party instead of changing it is known as transferring the risk. Option D is the correct answer.
The main objective of the risk response is to get the risk to an acceptable level or to eliminate the risk. The identified risk is then evaluated using a qualitative or quantitative approach, and risk response planning takes place. The response plan outlines how the risk will be addressed. The purpose of the plan is to identify the actions that will be taken to mitigate, eliminate, transfer, or accept the risk. Risk transfer is one of the strategies employed in the risk response plan.
Risk transfer is a risk mitigation technique in which the risk is shifted from one entity to another. The ownership of the risk is shifted to a third party or a contractual arrangement. An insurance policy is one of the most prevalent examples of transferring risk. An organization can obtain insurance coverage to transfer risk. If a company is concerned about the financial impact of losing a key staff member, for example, it might buy key person insurance to offset the financial loss in the event of a death or disability.
Option D is the correct answer.
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What are the 3 significant types of insurance that are involved in Marine
insurance
Answer:
Liability Insurance.
Hull Insurance.
Freight Insurance.
A few simple business questions, 50 points
Answer: Human resource Management
Explanation: In a buisness people wouldn't be able to mantain employess and recruit new ones without HRM.
The two components of total risk associated with an investment are _____. systematic risk and diversifiable risk variance and standard deviation short-term risk and long-term risk covariance and correlation
The two components of total risk associated with an investment are A. systematic risk and diversifiable risk.
Systematic risk, also known as market risk or non-diversifiable risk, is the risk that affects the entire market or a broad group of assets. This type of risk is unavoidable and stems from factors such as economic conditions, inflation, interest rates, and geopolitical events. Investors cannot eliminate systematic risk through diversification since it affects all assets in the market.
On the other hand, diversifiable risk, also known as unsystematic risk or company-specific risk, is the risk associated with a particular asset or company. It is unique to a specific investment and can be mitigated through proper diversification of assets in a portfolio. Examples of diversifiable risks include company management, industry competition, and operational risks. By combining different assets with uncorrelated risks, investors can reduce the impact of diversifiable risk on their portfolios.
In summary, the two components of total risk associated with an investment are systematic risk, which affects the entire market and cannot be diversified away, and diversifiable risk, which is specific to an individual asset or company and can be mitigated through proper diversification. Understanding these risks is crucial for investors when constructing a well-balanced portfolio and making informed investment decisions. Therefore, the correct option is A.
The question was incomplete, Find the full content below:
The two components of total risk associated with an investment are _____.
A. systematic risk and diversifiable risk
B. variance and standard deviation
C. short-term risk and long-term risk
D. covariance and correlation
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Multiple Choice Question A change in demand is represented by a ______ the demand curve while a change in quantity demanded is represented by a _______ the demand curve.
Based on the question above, the correct answer goes thus:
shift of, movement alongA change in demand is represented by a shift of the demand curve while a change in quantity demanded is represented by a movement along the demand curve.
Change in demandA change in demand describes a shift in consumer desire to purchase a particular good or service, irrespective of a variation in its price.
In conclusion, we can conclude that the correct answer is shift of and movement along respectively.
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