it is likely that the bank's exposure to credit risk would increase.
Why is credit risk?The algorithm attempts to evaluate the likelihood of default and, subsequently, the risk of a financial loss for the lender by weighing five borrower attributes and loan terms. Character, capacity, capital, collateral, and conditions make up the five Cs of credit.The possibility that a borrower or counterparty would breach a commitment gives rise to credit risk. The main and most visible source of credit risk for the majority of banks is lending.Credit risk management, a procedure that has long been difficult for financial institutions, is the art of minimizing losses by determining the sufficiency of a bank's capital and loan loss reserves at any given time.To learn more about credit risk refer,
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What was the primary reason that a fourth sector of the economy was created?
the increase in population
the digital revolution
the increase in demand for trade work
the Industrial Revolution
Answer:
its B: digital revolution
Explanation:
got right in edge
When Heinz introduced its ketchup globally, it first had to deal with the fact ketchup is not a household staple outside the United States. Heinz had to show foreign users how ketchup can be used. Globally, Heinz has had to rely primarily on _____ advertising to convince consumers to want the product.
Answer:
informative advertising :)
Explanation:
Heinz had to "inform" its customers about ketchup and how it's used
one manufacturing region is a source of petroleum, natural gas, and hydroelectric power. which one is it?
It is difficult to determine which manufacturing region is a source of petroleum, natural gas, and hydroelectric power based on the limited information provided. However, some regions in the world are known for their abundant natural resources, which are commonly used in manufacturing.
For example, the Middle East is a major source of petroleum and natural gas, which are widely used as energy sources in the manufacturing industry. Countries such as Saudi Arabia, Iran, and Iraq have large oil reserves and are major exporters of crude oil to other countries.
In addition, some countries in the Middle East, such as Qatar and the United Arab Emirates, have invested heavily in natural gas production and have become major players in the global natural gas market.
Another region known for its abundant natural resources is South America. Countries such as Venezuela and Brazil have large oil reserves and are major producers of crude oil. Brazil is also a major producer of hydroelectric power, which is used to generate electricity for manufacturing and other industries.
Canada is another country that has significant natural resources, including petroleum, natural gas, and hydroelectric power. The country is one of the largest producers of oil and natural gas in the world and has vast hydroelectric potential, particularly in the province of Quebec.
In summary, there are several manufacturing regions in the world that are sources of petroleum, natural gas, and hydroelectric power. It is difficult to determine which specific region is being referred to without additional information, but some of the major players in this space include the Middle East, South America, and Canada.
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Analyse why the supply of agricultural products tends to be more inelastic than the supply of manufactured products
The reason is that agricultural products have a more rigid supply since they are perishable.
What is price inelasticity?Demand is elastic when it reacts to changes in price or other variables. Demand is said to be inelastic if it does not change as other economic factors do.
The quantity sought for a good is measured according to its price elasticity of demand. Almost all goods see a decrease in quantity demanded when prices rise, however, certain goods experience this decrease more than others.
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Which of the following indicates that the assessment of one employee is affecting the ability to be objective when rating another employee? A) Halo error B) Recency error C) 360 degree feedback D) Judgmental methods E) Fixed standards
The answer that demonstrates how one employee's evaluation affects one's ability to rate another employee objectively is A) Halo mistake.
Halo mistake happens when a rater's general opinion of an employee—whether it's favourable or unfavorable—influences how they rate that employee's performance along particular dimensions. This might result in a halo effect when the rater regularly evaluates the other employee higher or worse based on their predetermined notion if the evaluation of one employee is influencing the rater's view or prejudice. This mistake precludes the rater from giving an accurate and objective assessment of the person's performance relative to particular criteria. The halo error impairs the rating process's objectivity and impartiality.
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40% of sales at supermarkets in the carry the stores' own brand names. 20% of all supermarket sales in carry the stores' own brand names. And in the United States, 14% carry the stores' own brand names. These stores use a __________ strategy to sell other manufacturers' products with their own brand names. generic branding multibranding co-branding private branding multiproduct branding
Answer:
Private branding
Explanation:
Private branding is defined as the strategy used by mostly retail stores where they put their own brand on products that they sell. It is used on wide variety of products sold by retailers from cosmetics to food.
They are also called store brands or own brands.
In the given scenario the stores are selling other manufacturers' products with their own brand names. This is private branding
According to the video, what are some decisions that Architects make? Check all that apply. how much money a building will be worth when finished what traffic patterns people will follow how people will feel when they enter or leave a building how many laborers are needed for a project where to put doors, walls, and windows what building materials to use which people will be allowed to enter a building
Answer:
2,3,5,6
Explanation:
Answer:
other guy is correct
Explanation:
When prospecting, salespeople must first identify potential customers and then
A. Construct a prospect list
B. qualify their leads.
C. telephone each lead.
D. call on all prospects.
A prospect list is a list of persons who might be interested in your product offering or who might gain anything from your business's goods or services.
Answer : A. Construct a prospect list
What constitutes a prospecting strategy's first step?On the surface: How to find potential consumers for your business through prospecting
Step 1 :Define your customer as the first step.
Step 2: Access online resources.
Step 3 :Gather prospect information in step three.
Step 4: Exploit additional avenues of opportunity.
Step 5: Make contact with your prospects in step five.
Step 6: Keep following up with your prospects and hone your list of them.
Identification of prospective clients, often known as prospects, is the first step in the sales process.
Prospecting is the initial stage of the sales process. You locate potential clients in this stage and assess whether they require your good or service and whether they can afford what you have to offer.
Qualifying is the process of determining whether a customer needs your good or service and can afford it.
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In order to send out emails to potential customers, you will need:
a target market
b the available market
c a customer database
d a viral market
Answer:
I think the answer is C.
Explanation:
I dont know
which of the following offers insight into the preference for cash gifts over noncash gifts?
a.Multiple choice question.
b.Cost-benefit analysis
c.The law of diminishing marginal returns
d.Opportunity cost
e.Marginal-utility analysis
e. Marginal-utility analysis offers insight into the preference for cash gifts over noncash gifts.
Marginal-utility analysis is a concept in economics that examines the satisfaction or utility derived from consuming additional units of a good or service. In the context of gift preferences, individuals may prefer cash gifts over noncash gifts because cash offers greater flexibility and utility in meeting their specific needs and preferences.
Cash gifts provide recipients with the freedom to choose how they want to allocate the funds, whether it's saving, spending on necessities, or purchasing something they desire. This flexibility allows individuals to maximize their utility by allocating the funds in a way that brings them the most satisfaction.
Noncash gifts, on the other hand, come with inherent limitations. The recipient's preferences may not align with the specific noncash gift they receive, leading to lower utility. For example, someone who receives a gift card for a store they rarely shop at may derive less satisfaction from the gift compared to receiving cash.
While cost-benefit analysis, the law of diminishing marginal returns, and opportunity cost are important concepts in economics, they are not specifically focused on understanding the preference for cash gifts over noncash gifts. Marginal-utility analysis provides a more relevant framework for evaluating individual preferences and decision-making related to gift choices.
Marginal-utility analysis offers valuable insights into why individuals often prefer cash gifts over noncash gifts. The flexibility and ability to allocate funds according to personal preferences contribute to the higher utility derived from cash gifts. Understanding these preferences can help inform gift-giving decisions and enhance recipient satisfaction.
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wat is the definition of economics
As part of the initial investment, Ray Blake contributes equipment that had originally cost $97,300 and on which accumulated depreciation of $72,975 has been recorded. If similar equipment would cost $140,300 to replace and the partners agree on a valuation of $48,800 for the contributed equipment, what amount should be debited to the equipment account
Answer:
$48,800
Explanation:
the computation of the amount that should be debited to the equipment account is as follows:
Given that
The cost of an equipment is $97,300
the accumulated depreciation is $72,975
The replacement cost is $140,300
And, the valuation of the equipment is $48,800
So based on the above information, the amount that should be debited is equivalent to the valuation of the equipment i.e. $48,800
Which sentences in the passage correctly describe the intermediaries in the distribution process?
A. Brokers purchase goods from various producers and stock them. B. They sell stocks of goods to different retailers according to their requirement.
C. Distributors facilitate the logistics function of storing goods at a suitable location until they can be dispatched. D. They also finance the sale at times, which implies that they provide credit to retailers.
Answer:
sentence C and D
Explanation:
choose both sentences!!
"Distributors facilitate the logistics function of storing goods at a suitable location until they can be dispatched. They also finance the sale at times, which implies that they provide credit to retailers."
Answer:
Nah Only choose C.
Explanation:
I got it right
A direct mailer falls under the category of sales, not marketing.
True
False
Answer:
False.
Explanation:
A direct mailer can be defined as a form of marketing which involves the use of a mail service such as a courier or postal service to physically deliver a piece of promotional product or material to a target audience such as home or business. Some examples of a direct mailer are catalogs, postcards, solicitation letters, flyers, coupons, brochures etc.
Hence, a direct mailer falls under the category of marketing, not sales.
5.Is it easier for a few firm to enter the market under found in oligopolis competition or oligopolis? Why?
Answer: No, it is not easy for new firms to enter to market where there is oligopolis competition.
Explanation:
Oligopolis is a market condition in which few firms take the advantage to run their business and they do not allow small competitors to interfere and put barriers and obstacles for small competitors so that they cannot compete with them and do not earn anything. Those powerful competitors can make up the huge amount of profit. Also few sellers attain significant power in the market and prevent other.
The FHA was designed to pay off mortgage insurance for homes that were going into foreclosure.
True
False
Answer:
TRUE FHA meaning federal housing administration
Exercise 20-17 Preparation of cash budgets (for three periods) LO P2 Kayak Co. Budgeted the following cash receipts (excluding cash receipts from loans received) and cash payments (excluding cash payments for loan principal and interest payments) for the first three months of next year. Cash Receipts Cash payments January $ 525,000 $ 475,000 February 400,000 350,000 March 450,000 525,000 According to a credit agreement with its bank, Kayak requires a minimum cash balance of $30,000 at each month-end. In return, the bank has agreed that the company can borrow up to $150,000 at a monthly interest rate of 1%, paid on the last day of each month. The interest is computed based on the beginning balance of the loan for the month. The company repays loan principal with any cash in excess of $30,000 on the last day of each month. The company has a cash balance of $30,000 and a loan balance of $60,000 at January 1. Prepare monthly cash budgets for January, February, and March. (Negative balances and Loan repayment amounts (if any) should be indicated with minus sign. )
The preparation of the cash budgets for the first three months of next year for Kayak Co. is as follows:
January February March
Beginning cash balance $30,000 $30,000 $69,294
Cash receipts 525,000 400,000 450,000
Total cash available $555,000 $430,000 $519,294
Cash disbursements 475,000 350,000 525,000
Ending cash balance $80,000 $80,000 ($5,706)
Required minimum balance 30,000 30,000 30,000
Available for Loan Payment 50,000 50,000 ($36,000)
Loan Interest & Principal Payment:
Interest repayment $600 $106
Loan:
Beginning balance $60,000 $10,600
Loan repayment ($49,400) ($10,600)
Ending balance $10,600 $0
Data and Calculations:Month Cash Receipts Cash Disbursements
January $ 525,000 $ 475,000
February 400,000 350,000
March 450,000 525,000
Minimum required cash balance = $30,000 per month-end
Loan limit = $150,000
Monthly interest rate = 1%
Interest payment and principal repayment = last day of each month
Interest computation = beginning balance
Beginning cash balance = $30,000
Beginning loan balance = $60,000
The beginning cash balance of March is $69,294 ($80,000 - $106 - $10,600)
Thus, at the end of March, Kayak Co. needs to borrow $36,000.
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if the elasticity of demand is 5, and the price of a cup of coffee is $2, how much would the seller need to reduce her price in order to increase the quantity sold by 50 percent?
To increase the quantity sold by 50%, the seller needs to reduce the price by $0.2 if the elasticity of demand is 5.
Here are the steps involved in solving this problem:
Percentage price reduction = (Percentage increase in quantity sold) / (Elasticity of demand)
Calculate the percentage increase in quantity sold: 50% / 100% = 0.5
Divide the percentage increase in quantity sold by the elasticity of demand: 0.5 / 5 = 0.1
Multiply the result by the initial price to find the amount of price reduction needed: 0.1 * $2 = $0.2
Therefore, the seller would need to reduce her price by $0.2 in order to increase the quantity sold by 50 percent.
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The costs per equivalent unit of direct materials and conversion in the rolling department of oak ridge steel company are 180 and 62
Answer:
Equivalent units of direct materials= $180 per tons
Equivalent units of conversion =$62 per tons
Explanation:
Calculation to Determine the direct materials and conversion costs per equivalent unit.
Using this formula
Equivalent units of direct materials=Cost of direct materials transferred/Total equivalent units for direct materials
Let plug in the formula
Equivalent units of direct materials= $432,000/2,400
Equivalent units of direct materials= $180 per tons
Therefore the direct materials cost per equivalent unit will be $180 per tons.
Calculation for Equivalent units of conversion using this formula
Equivalent units of conversion=Conversion cost /Total equivalent units for Conversion
Let plug in the formula
Equivalent units of conversion=$144,150/2,325
Equivalent units of conversion= $62 per tons
Therefore the conversion cost per equivalent unit will be $62 per tons.
The _____ is a production period long enough for the firm to adjust the
quantities of all its ________, including capital.
Answer:
long run, productive resources
______ is the study of how society chooses to employ resources to produce goods and services and distribute them for consumption among various competing groups and individuals.
have u tried edgenuity
Answer:
No, I do odyssey ware
Explanation:
Answer:
yea but I wouldn't mind burning it...
Explanation:
Beth and mark would like to put some savings in the bank. They most likely will not need this money for 4 years, so beth wants to put it in a 4-year cd. Mark wants to put the money in a savings account. What is the advantage of a cd? what is the disadvantage?.
The drawback of a Certificate of deposit (CD) is that it imposes fees on early transfer of money, while its main benefit would be its highest interest rate.
A certificate of deposit (CD) is a type of savings instrument that accumulates interest on a single sum of cash for a predetermined period of time. Unlike savings accounts, CDs require that money stay intact over the full term for avoid penalties and lost interest. Savings accounts typically pay lower interest rates than Certificate of deposit (CD) as compensation for liquidity loss.
The majority of consumers banking firms provide certificates of deposit (CDs), although each bank is free to establish its own conditions, rate of interest in comparison to savings and cash sell goods, and early termination fees.
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When you plan a presentation, how should you make sure you stay on track as you talk?
A. Make a list of general topics and points you want to cover.
B. Write out every word of the presentation on notecards.
C. Memorize every word of the presentation in your head.
D. Have the audience tell you what else you need to talk about.
Answer:
A make a list
Explanation:
Answer:
It's A. Make a list of general topics and points you want to cover.
Explanation: hope it helps ^w^
The website leftyslefthand. Com markets products to left-handed consumers only. Which targeting strategy does this represent?.
The website leftyslefthand. Com markets products to left-handed consumers only Concentrated marketing targeting strategy does this represent.
An individual or group that does not directly engage in entrepreneurial or business operations but who intends to order or uses purchased items, products, or services primarily for personal, social, family, or household needs is referred to as a consumers. A consumers purchases goods or services primarily for personal use in an economy rather than for resale or other business objectives. Customers make a financial (or comparable) payment for goods or services. Marketing is the process of identifying, producing, and providing value to satisfy a target market's wants for goods and services. Marketing is normally carried out by the seller, who is usually a retailer or manufacturer. A specialized marketing company or advertising agency may be hired on occasion to complete responsibilities.
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Explain the differences between persuasive messages and sales messages, what traits do they have in common? What are some of the differences in each style of communicating?
200 word explain
While persuasive messages and sales messages share some common traits, such as their focus on influencing the recipient and using persuasive techniques, they differ in their goals, content, and tone.
Understanding these differences can help communicators effectively tailor their messages to achieve their intended objectives.
Persuasive messages and sales messages are two different styles of communication that aim to achieve different goals.
However, they do share some common traits while also having distinct differences.
Common Traits:
1. Purpose:
Both persuasive messages and sales messages are intended to influence the recipient's thoughts, opinions, or actions.
2. Audience Focus:
Both types of messages are tailored to appeal to the target audience's interests, needs, and desires.
3. Persuasive Techniques:
Both persuasive messages and sales messages often utilize similar persuasive techniques, such as emotional appeals, credibility, evidence, and storytelling.
Differences in Style of Communicating:
1. Goal:
The main difference between persuasive messages and sales messages lies in their goals.
Persuasive messages aim to convince or persuade the recipient to adopt a certain belief or take a specific action, such as supporting a cause or changing their behavior.
On the other hand, sales messages primarily aim to sell a product or service and encourage the recipient to make a purchase.
2. Content:
Persuasive messages focus on presenting logical arguments, providing evidence, and appealing to emotions to change the recipient's beliefs or behavior.
Sales messages, on the other hand, emphasize the features, benefits, and value of a product or service to encourage the recipient to buy.
3. Tone:
Persuasive messages tend to have a more neutral and informative tone, presenting facts and logical reasoning to support their claims.
In contrast, sales messages often employ a more persuasive and promotional tone, using persuasive language and techniques to create a sense of urgency or desire for the product or service.
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how long does it take for tax refund to show in bank account after approved
Answer:
Assuming no issues, IRS issues tax refunds in less than 21 calendar days after IRS receives the tax return. IRS has an on-line tool, "Where's My Tax Refund", at www.irs.gov that will provide the status of a tax refund using the taxpayer's SSN, filing status, and refund amount.
Explanation:
The amount of money that Tom had in his pension fund
in 2016 was £55 000.
His plans involve him putting £8 200 in his fund every year
for the next 15 years.
How much will Tom have in the pension fund in 2031?
Answer: £178000
Explanation:
The amount that Tom will have in the pension fund in 2031 will be calculated as:
= £55000 + £8200(15)
= £55000 + £123000
= £178000
The amount that Tom will have in the pension fund in 2031 will be £178000
Activity
Conduct online research and investigate the channels of promotion that small entrepreneurs are using in your town or city.
This could include advertising, public relations, direct marketing, and so on. Why do you think small businesses chose these
channels? Do you think the choices were wise, given the nature of the product and target audience? Provide reasoning for your
answer
shing
Answer:
given the nature of the product and target audience, because advertising to target the audience and the public relations, and also the the direct marketing. .
Explanation:
A 65-year old individual has just retired after working for the same employer for 20 years. He will collect an annual pension benefit of $50,000, but is not yet ready to stop working. He has lined up a part-time job that will pay $3,000 this coming year. How much can he contribute to a Traditional Individual Retirement Account for his first year in retirement
Answer:
$3,000
Explanation:
Based on the information given we were told that he has a PART-TIME JOB THAT WILL PAY him the amount of $3,000 this coming year which means that the amount he can contribute to a TRADITIONAL INDIVIDUAL RETIREMENT ACCOUNT for his first year in retirement will be the EARNED INCOME of the amount of $3,000 which will therefore be his maximum INDIVIDUAL RETIREMENT ACCOUNT (IRA) contribution for this year.