Identity theft can cause substantial harm to a person's financial reputation, and it may take months or years to rectify. Identity theft can be costly in both time and money, and repairing the damage can take an extended period.
Here are two examples that demonstrate how time-consuming it can be to undo ID theft damage:Example 1: Restoration of Credit ReportsTo begin the restoration process, a person must notify the police and file a report with the credit bureaus. To ensure that no further theft or fraud occurs, all financial accounts and credit cards must be monitored and shut down. This process can take several months. Additionally, every time a person applies for credit, the credit bureau must be contacted to ensure that the credit report does not contain any errors. This process can take up to 7 years, depending on the severity of the identity theft.Example 2: Restoration of a Person's ReputationA victim's identity can be used to commit criminal offenses, and clearing their name requires significant effort. An innocent victim of ID theft may be subject to legal action or other legal trouble in addition to being financially harmed. It may take a long time for the victim to prove their innocence in court, particularly if the fraudster is difficult to locate.
Moreover, the financial cost of hiring a lawyer to aid in the defense may be prohibitively expensive, and it may take a long time to complete the legal process. This can cause a great deal of stress and anxiety for the victim.
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The problems of ineffective communications in business
Answer:
Misunderstandings: When communication is unclear or ambiguous, it can lead to misunderstandings between employees, managers, or clients. This can cause delays, mistakes, and ultimately, loss of productivity and revenue.
Poor teamwork: Effective communication is essential for effective teamwork. If team members are unable to communicate effectively with one another, they may fail to collaborate and coordinate their efforts, leading to poor performance and results.
Low morale: When communication is ineffective, it can create a negative work environment and lead to low employee morale. This can result in a lack of motivation, decreased productivity, and high turnover rates.
Customer complaints: Poor communication with customers can result in complaints and loss of business. Customers who feel that their concerns or questions are not being addressed may take their business elsewhere.
Increased costs: Ineffective communication can lead to additional costs for a business, such as rework or waste due to misunderstandings or mistakes. This can negatively impact the bottom line and reduce profitability.
Overall, ineffective communication can have significant impacts on a business's productivity, profitability, and reputation. It is essential for businesses to prioritize effective communication strategies to avoid these problems and ensure success.
Explanation:
which of the following is not a benefit of rapid response time? group of answer choices it decreases the amount the company can charge for products. it strengthens brand loyalty. it can help gain competitive advantage over rival companies. it allows for differentiation of product offerings. it gives the opportunity for a company to charge a premium price.
Out of the following options reduce the amount of money the corporation can charge for items, which is not an advantage of rapid response time. Option C is correct.
A differentiation strategy is a plan developed by organizations to provide customers with something distinctive, different, and separate from what their competitors may provide in the market. A company's market share is the proportion of the overall market for its products and services that it controls. Market share is an important business measure since it indicates a company's profitability and performance.
It might indicate an industry's dominance and how successfully a company's revenue-generating initiatives are performing to fulfill corporate objectives. Market share can have an impact on operations, product and service price, and even stock market performance. Growing market share leads to increased revenue. As a result, a company may scale up its operations and increase its profitability.
The complete question is
Which of the following is NOT a benefit of rapid response time?
a. It can help gain competitive advantage over rival companies.b. It strengthens brand loyalty.c. It decreases the amount the company can charge for products.d. It allows for differentiation of product offerings.e. It gives the opportunity for a company to charge a premium price.To know more about the Company, here
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lewis corporation receives net proceeds of $960 by issuing a 30-year bond with a $1,000 par value and 7.5% semi-annual coupon payment. if lewis has a 21% tax rate, what are the before-tax and after-tax cost of debt?
To calculate the firm's after-tax component cost of debt we need to calculate the interest rate or the Yield to Maturity for the fixed rate bond. This is a fixed rate bond with semi-annual coupon payments, that is, a periodicity of 2. Periodicity refers to how often compounding takes place.
Because the bond has a maturity of 25 years and a periodicity of 2 the number of periods is equal to (2*25) which is equal to 50.
Coupon payments made semi-annually = (7%/2) * 1000
= $35
Par value of the Bond = $1000
Present value of the Bond = $623.85
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Which of these steps uses a third party as part of the conflict-resolution effort?
compromising
defining the problem
mediation
arbitration
Answer:
Mediation
Explanation:
Because there is misunderstanding,mediation is done because it is the act of resolving problem( also known as arbitration)
Answer:
mediation and arbitration
Explanation:
got a 100 on my quiz
An analyst has gathered the following information for the Oudin Corporation:
Expected earnings per share $81.29
Expected dividends per share $46.58
Dividends are expected to grow at 0.06 percent per year indefinitely
The required rate of return is 0.12 percent
Based on the information provided, the justified forward price/earnings multiple for Oudin is closest to.................... (round it to two points after a decimal if needed (example : 1.01))
The closest justified forward P/E multiple for Oudin is 4.78. To calculate the justified forward price/earnings (P/E) multiple for Oudin Corporation, we can use the Gordon Growth Model. This model assumes that the stock price is equal to the present value of all future dividends.
First, we need to calculate the expected growth rate of dividends. The given information states that dividends are expected to grow at 0.06 percent per year indefinitely.
Next, we can use the Gordon Growth Model formula to calculate the justified P/E multiple:
Justified P/E multiple = (Dividend payout ratio) / (Required rate of return - Dividend growth rate)
The dividend payout ratio is the ratio of dividends per share to earnings per share. In this case, it is $46.58 / $81.29 = 0.573.Plugging in the values, we get:
Justified P/E multiple = 0.573 / (0.12 - 0.0006)
Calculating this, we find that the justified forward P/E multiple for Oudin Corporation is approximately 4.78.
Therefore, the closest justified forward P/E multiple for Oudin is 4.78.
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“Creditors do not actually have to worry about their dues in case the business fails.” In which form of business is this possible? Which special feature is highlighted in this statement ?
Answer:
sole proprietorship
Explanation:
In simple words, Unique property could be described as a business framework controlled and run by a single individual, therefore there is no separate legal entity and his corporation. It is a form of basic business framework, which is usually used for individuals who start up some sort of corporation.
This is therefore the greatest suitable form of business for the statement of the problem, because in this framework there is really only one proprietor in the corporation who ensures his ultimate responsibility with all earnings, debt obligations and failures underlying in the commercial enterprise.
1) The skills and knowledge a person has acquired through experience and/or
education.
O Human Capital
O Entrepreneurial talents
O Physical Capital
O Perfect competition
Answer:
O Human Capital
Explanation:
Human capital is an employee's knowledge, skills, and competencies that a company uses in productivity. It is the attributes of labor that impact production and influence compensation. Human capital is enhanced through education, job training, work experiences, and research.
Human capital is compensated through wages and salaries. Its cost is monetized as labor and is one of the factors of production.
As a factor of production, what is capital?
A. an industrial good
B. the natural resources used to create a product
C. the entrepreneur who sees how to make something useful
D. the tangible products made by labor
Answer:
Option "D" is the correct answer.
Explanation:
Labor produces tangible goods, which are referred to as capital. There are production-related man-made items such as machinery, vehicles, and chemicals. That is what sets them apart from commercial products.
as production increases, group of answer choices average fixed cost will stay constant. average variable cost will always increase. average variable cost will decrease and then increase.
As production increases, the average fixed cost will stay constant, meaning that the cost of fixed resources used in production, such as rent and machinery, remains the same regardless of the level of output.
However, the average variable cost will not necessarily always increase, as it depends on the efficiency of production. Initially, as production increases, the average variable cost may decrease due to economies of scale, such as the ability to purchase materials in bulk at a lower cost.
However, at a certain point, the average variable cost may start to increase due to diseconomies of scale, such as the need for additional labour or the cost of maintaining larger facilities.
Therefore, the trend of the average variable cost will depend on the specific production process and the management of resources.
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jens is a newly-married man who wants $100,000 of life insurance, but he cannot afford the ordinary level whole life premium until he gets out of graduate school. he would like to pay less for the first few years of coverage until he graduates. he can still obtain the desired amount of insurance for the whole of his life by purchasing:
He can still obtain the desired amount of insurance for the whole of his life by purchasing D) convertible term.
Convertible insurance is a type of life insurance that allows the policyholder to convert a term policy into a whole or universal policy without having tore-qualify for health.
Convertible insurance allows the policyholder to convert a term policy that only covers the ensured for a set number of times into a policy that covers the ensured indefinitely as long as the policyholder continues to pay the insurance decoration.
still, the endless policy will have the same value as the term policy, but the decorations will be advanced, If the policyholder decides to convert their convertible insurance.
Indeed before conversion, convertible insurance will be more precious than a term life insurance policy for the same quantum of content, because there's an essential cost for the capability to convert without a medical test.
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Correct question:
Jens is a newly-married man who wants $100,000 of life insurance, but he cannot afford the ordinary level whole life premium until he gets out of graduate school. He would like to pay less for the first few years of coverage until he graduates. He can still obtain the desired amount of insurance for the whole of his life by purchasing:
A) limited-payment whole life
B) single premium whole life
C) deferred premium annuity life
D) convertible term
According to the theory of constraints, which of the following is a financial measurement that can be used to measure the firm's ability to make money?
A. Net profit
B. Throughput
C. Inventory
D. Sales
E. Retained earnings
According to the theory of constraints, a financial measurement that can be used to measure a firm's ability to make money is throughput. Therefore, option (B) is the correct answer.
The theory of constraints (TOC) is a management philosophy that focuses on identifying and managing the constraints or bottlenecks that limit a company's performance. Throughput is a key concept in TOC and refers to the rate at which a system generates money through sales. It is the actual dollar amount that a company brings in from selling its products or services.
Unlike net profit, which considers costs and expenses, throughput focuses solely on the revenue generated from sales. By measuring throughput, a firm can assess its ability to generate income and identify areas where bottlenecks may be inhibiting the flow of revenue. Therefore, throughput is a financial measurement used to evaluate a firm's ability to make money according to the theory of constraints.
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Your merchant fee is 2.5%. Your
customers paid you $500,000
through credit cards. What fee
must you pay the credit card
company?
$ [?]
The fee must you pay the credit card company is $12,500.
What is a credit card?A credit card is said to be a type of plastic money that allows an individual to purchase goods on credit and pay back the amount later on some specified rate of interest being charged on it.
In order to avoid excessive spending, one should keep in mind that if a credit card debt is left unpaid at the end of the credit limit, interest will be imposed on the remaining balance.
When a consumer uses their credit or debit cards to purchase goods or services from a business, the merchant's bank balance must pay transaction fees called merchant fees.
The calculation for merchant fees is
The merchant fee will be 2.5% of $500,000
=2.5/100 x $500,000
=0.025 x $500,000
=$12,500
Therefore, the amount paid as a fee will be $12,500.
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Classify the following as fixed or variable costs: a. fuel: __________
b. interest on company-issued bonds: _________ c. shipping charges: ___________
d. payments for raw materials: ____________
Fixed costs are those that remain constant regardless of the level of production or sales volume, while variable costs fluctuate depending on the level of output.
a. Fuel costs are typically considered a variable cost as they directly relate to the level of production or transportation activity required.
b. Interest on company-issued bonds is generally classified as a fixed cost since it remains the same regardless of the company's level of production or sales volume.
c. Shipping charges are often considered variable costs since they vary based on the amount of product shipped or distance traveled.
d. Payments for raw materials can be classified as either fixed or variable costs depending on the specific situation. If the company has a long-term supply contract that guarantees a fixed price for raw materials, then it would be considered a fixed cost. However, if the price of raw materials fluctuates based on market conditions or the level of production, then it would be classified as a variable cost.
In summary, understanding the difference between fixed and variable costs is essential for proper budgeting and cost management. By properly identifying and categorizing expenses, businesses can make informed decisions and effectively allocate resources to optimize profitability.
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why did the cotton embargo placed on the confederacy hurt them economically?
The cotton embargo placed on the Confederacy during the American Civil War severely impacted their economy for several reasons.
Firstly, cotton was the primary cash crop and major export of the Confederacy. With the embargo, they lost access to their main source of revenue, crippling their financial stability. Additionally, the embargo disrupted their trading relationships with European nations, who relied heavily on Southern cotton. This led to a decline in foreign investment and strained diplomatic ties.
Furthermore, the sudden absence of cotton in the global market caused prices to plummet, exacerbating the Confederacy's economic woes. Overall, the cotton embargo dealt a devastating blow to the Confederacy's economy by crippling their revenue, trade, and international relations.
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When making decisions, managers often must decide between doing what is beneficial for the firm in the short term, and what is beneficial for both the firm and society in the long term. To address this conflict, a firm must
When making decisions, managers are often faced with a conflict between what is beneficial for the firm in the short-term and what is beneficial for both the firm and society in the long-term.
This conflict arises because the actions that benefit the firm in the short-term may not necessarily align with the interests of society as a whole, which can lead to negative consequences for both the company and society in the long-term.
To address this conflict, a firm must adopt a long-term orientation and consider the broader social and environmental impacts of its decisions. This means looking beyond immediate financial gains and recognizing that actions taken today can have far-reaching implications for the company's reputation, customer loyalty, employee morale, and overall sustainability.
Firms that prioritize social responsibility and sustainable business practices are more likely to build strong relationships with stakeholders, including customers, employees, investors, and regulators. They are also better equipped to weather economic downturns and other disruptions, as they have diversified their risk and invested in building resilient supply chains and communities.
Ultimately, the key to addressing the conflict between short-term gains and long-term benefits is a commitment to corporate social responsibility (CSR) and sustainable business practices. By prioritizing the needs of society and the environment alongside those of shareholders, firms can create value for all stakeholders over the long-term, ensuring their continued success and impact.
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an employee can be dismissed if their job surplus to requirements' outline why this state ment is false
Sam, age 35, and kathy, age 33, are married and have a son, age 1. sam is employed as an accountant and earns $60,000 annually. kathy is an associate professor of finance at a large university and earns $120,000 annually. both are currently and fully insured under the oasdi program. assume you are financial planner who is asked to give them advice concerning oasdi and other social insurance programs. answer each of the following questions based on the following situations. treat each situation separately. a. sam is killed instantly in an auto accident. would kathy and their son be eligible for receive oasdi survivor benefits?b. kathy has laryngitis that damaged her vocal cords.e. sa po as a result, she can no longer teach. she is offered a research position in the business research bureau of the university where she is employed. to what extent if any would kathy be eligible to receive oasid disability benifits?c. a deranged student fired a pistol at kathy because u- he her di of ia- she gave him a grade of d+. as a result, kathy was seriously injured and is expected to be off work for at least one year while she is recovering. to what extent, if any, would existing social insurance pro- grams in the united states provide income during the period of temporary disability? d. sam would like to retire at age 62 and still work part-time as an accountant. he has been informed that the oasdi earnings test would be relevant in his case. explain how the earnings test might affect his decision to work part-time after retirement. e. sam resigned from his job to find a higher-paying position. explain whether sam could receive unem- ployment insurance benefits during the period of temporary unemployment before he finds a new job.
Sam, age 35, and Kathy, age 33, are married and have a son, age; The Financial stands resolve will be
To the extent that Sam's wife qualifies for OASDI payments in the event of his death due to an automobile accident, she will receive them.Kathy's vocal cord is a significant contributor to her income since she is a teacher, but she can only get disability benefits if she has been selected for them.Kathy will be eligible for temporary disability benefits under the United States' social insurance program since she was injured on the job and has opted into the program.Sam's benefits will be reduced by $1 for every $2 he earns over the $17040 level in 2018; however, he will not see a decrease in his benefits if his income is between $45,306 and the maximum allowable amount of $45,306.Sam's desire for a greater salary is not a qualifying cause for unemployment insurance.Who is a financial planner?Generally, a financial planner is simply defined as one form of a financial adviser, the financial planner, focuses on helping clients develop and implement strategies for achieving their long-term financial objectives.
In conclusion, Finance is managing substantial resources, as practiced by governments or major corporations.
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Draft an email to be sent to all of your colleagues announcing the transition to a formal on-boarding process for all new employees. Acknowledge the anticipated complaints about "making more work" and stress the positive benefits of a standardized process.
PLATO essential communications
Subject: New Formal Onboarding Process for All New Employees
Dear colleagues,
I am excited to announce that we are transitioning to a formal onboarding process for all new employees. We have been working hard to develop a standardized process that will help us provide a consistent and thorough experience for all new hires.
I understand that this change may result in additional work for some of you, and that change can be difficult. However, I want to emphasize the positive benefits of a standardized onboarding process. By providing a clear and comprehensive orientation, we can ensure that new employees have the tools and knowledge they need to be successful in their roles. This will result in a smoother transition for new hires and a more efficient workflow for all of us in the long run.
Our new onboarding process will include a combination of online modules, in-person training, and ongoing support from HR and team leaders. We believe that this approach will help us provide a better experience for new hires and set them up for success in their roles.
I appreciate your cooperation and support during this transition. If you have any questions or concerns, please feel free to reach out to me or our HR department.
Best regards,
[Your Name]
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What may happen if your job does not require you to use the aptitudes you possess?
Without doing any calculations, determine the missing number that will make the value of Expression B half the value of Expression A.
A (8 + 54 + 91) × 12
B (8 + 54 + 91) × _____
Answer:
B (8 + 54 + 91) × _____ If im wrong apologies
Explanation:
What is WWF's goal? If you were the head of WWF, what
would you do to achieve your goals?
The main goal of the WWF (World Wildlife Fund) is to conserve nature and decrease the negative impact of human beings on nature. The organization aims to reduce climate change and help to create a world where human beings live in harmony with nature. It also aims to create a sustainable future for generations to come.
If I were the head of WWF, I would do the following things to achieve our goals:1. Spreading Awareness: As head of the WWF, my primary goal would be to spread awareness among people. To create a sustainable future, people need to be educated and informed about environmental issues. We can use various mediums like social media, television, and other advertising tools to get our message across to the masses.
Reforestation: One of our major goals is to conserve nature, and for that, we need to focus on reforestation. I would plan to plant more trees and create more forests in areas that have suffered deforestation. This would help to create a better habitat for wildlife and also help to reduce climate change.3. Collaboration: One of the major challenges that WWF faces is getting governments and other organizations to work with us.
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Describe some of the powerful marketing tactics used by the credit card industry?
Answer:
nice packaging in mail, introductory benefits, free gifts, barbie example
What is strict product liability ?
Business strict product liability is a legal doctrine that makes the manufacturer or seller of a product liable for any harm caused by the product, regardless of fault.
This type of liability allows a plaintiff to recover damages from a manufacturer or seller without having to prove that the company was negligent in the design or manufacture of the product. In other words, it shifts the burden of proof from the plaintiff to the defendant. This type of liability exists to protect consumers from unsafe products and to ensure that manufacturers and sellers are held accountable for the safety of the products they manufacture and sell.
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Compare these costs.
48 paper plates for $2.99
75 paper plates for $3.99
Answer:
the $3.99 one cost less per unit
Explanation:
the $2.99 = $0.06 per unit
the $3.99 = $0.05 per unit
Think of an example of a time that you experienced or that you heard about when consumer perception influenced demand. What were the effects of this perception?
One example of when consumer perception influenced demand is when the concept that Japanese made cars were more durable than Chinese cars.
What were the effects of this perception?This perception tended to increase the demand for not just Japanese cars but for Japanese products.
It is believed that Japanese are very strong on quality and excellent processes, hence the high quality of their products.
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for purposes of international capital budgeting, which of the following statements is not true? an array of nonfinancial payments can generate cash flows from subsidiaries to the parent, including payment of license fees and payments for imports from the parent. managers must evaluate political risk because political events can drastically reduce the value or availability of expected cash flows. parent cash flows must be distinguished from project cash flows. each of these two types of flows contributes to a different view of value. all of the above are true statements.
All of the statements are true, thus none of them is not true. All of the given statements are true and relevant to the process of international capital budgeting.
International capital budgeting involves evaluating potential investments in foreign countries and requires managers to consider various factors such as political risk, currency exchange rates, and potential cash flows. In this context, it is essential to distinguish between parent cash flows and project cash flows as they contribute to different views of value. Additionally, non-financial payments from subsidiaries to the parent, such as license fees or import payments, can generate cash flows that must be considered in capital budgeting decisions. Finally, managers must evaluate political risk as it can significantly impact the value and availability of expected cash flows. Therefore, all of the given statements are true and relevant to the process of international capital budgeting.
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research evidence suggests that which of the following bases of power is the most effective in terms of its impact upon follower commitment, motivation, performance, satisfaction, and group effectiveness?
As per research, being reasonable has the greatest influence on followers' commitment, motivation, performance, satisfaction, and group effectiveness. Reward and legitimate power, or using one's position to influence others, lead to erratic outcomes.
What is research on power?Generally, According to research, rationality is the most successful strategy for exerting influence in terms of its effects on the commitment and motivation of followers, as well as on performance, satisfaction, and the overall effectiveness of groups.
In conclusion, Inconsistent outcomes are produced when reward and genuine power (that is, depending on one's position to influence others) are used in decision-making.
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On January 1, 2017, Robinson Company purchased Franklin Company at a price of $2,500,000. The fair market value of the net assets purchased equals $1,800,000.
What is the amount of goodwill that Robinson records at the purchase date?
Explain how Robinson would determine the amount of goodwill amortization for the year ended December 31, 2017.
Robinson Company believes that its employees provide superior customer service, and through their efforts, Robinson Company believes it has created $900,000 of goodwill. How would Robinson Company record this goodwill?
On January 1, 2017, Robinson Company purchased Franklin Company at a price of $2,500,000. The fair market value of the net assets purchased equals$1,800,000. Thus the amount of goodwill that Robinson records at the purchase date is $700,000.
What is the calculation?Step 1
Given that the entire Franklin Company was purchased by Robinson Company, goodwill should be recorded.
To solve for the purchased goodwill, we have
Goodwill= Purchase price of the company−Market value of the individual net assets
=$2,500,000−$1,800,000
= $700,000
Thus, the purchased goodwill is valued at $700,000.
Step 2
Goodwill is recorded as an asset and is not amortized, thus there will be no amount for goodwill amortization for year ended December 31, 2017. Instead, goodwill is tested for impairment annually.
Step 3
Goodwill is recorded only when it is acquired upon purchase. In this case, since goodwill is based solely on the employees' efforts of providing superior customer service, Robinson Company should not record it.
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A credit card company advertises an APR of 14.7%, compounded daily. What
is the effective interest rate? Round your answer to two decimal places.
Answer:
16%
Explanation:
Effective interest rate = (1 + i/m)^m - 1
= (1 + 0.147/365)^365 - 1
= 0.1583
= 0.16 = 16%
What accounts are affected. issued check $644 to pay for an advertisement
Answer:
Bank and Advertisement accounts
Explanation:
Journal entries
Advertisement A/c Dr $644
To Bank A/c $644
(Being advertisement expenses made by cheque)
Bank and Advertisement accounts are affected