If an individual is age 65 or over and continues to work, Medicare is usually the secondary insurer to any employer group health plan the individual participates in.
This is because Medicare becomes the primary insurer for individuals aged 65 or over, but if they are still working and have employer-sponsored health coverage, the employer's plan will generally pay first. This is known as coordination of benefits.
Medicare is a federal health insurance program in the United States that provides coverage for eligible individuals who are 65 years of age or older, younger individuals with certain disabilities, and individuals with end-stage renal disease.
Medicare has four parts:
Part A (Hospital Insurance): Helps cover inpatient care in hospitals, skilled nursing facilities, hospice care, and home health care.
Part B (Medical Insurance): Helps cover medical services and supplies that are necessary to treat or diagnose a medical condition, including doctor's visits, outpatient care, preventive services, and durable medical equipment.
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to create disinflation, the federal reserve must lower the nominal interest rate. to create disinflation, the federal reserve must lower the nominal interest rate. true false
False, to create disinflation, the federal reserve must lower the nominal interest rate. to create disinflation, the federal reserve must lower the nominal interest rate.
Interest is the payment made at a specific rate by a borrower or deposit-taking financial institution to a lender or depositor of an amount over and above the principal amount. Interest is the cost of borrowing money or the fee you charge to lend it. Most frequently, interest is shown as an annual percentage of the loan amount. The interest rate for the loan is denoted by this proportion. Nearly 1,500 people work for Federal, which produces shotshell, centerfire, and rimfire ammunition as well as its components. A document's publication in the Federal Register notifies a public official that it exists, identifies the agency's legal standing to issue the document, and grants it the status of admissible evidence.
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Guntion Inc. bonds have a 10-year maturity, a 9% coupon paid semiannually, and a par value of $1,000. If your required rate of return is 12% what is the intrinsic value of the bond? Round to two decimal places (Ex. $000.00)
The intrinsic value of a bond can be calculated by discounting its future cash flows to present value. In this case, the bond has a 10-year maturity and a 9% coupon rate paid semiannually, with a par value of $1,000.
The required rate of return is 12%. Using the present value formula for an ordinary annuity, we can calculate the present value of the coupon payments: PV(coupon payments) = Coupon payment × [1 - (1 + r)^(-n)] / r
PV(coupon payments) = $45 × [1 - (1 + 0.06)^(-20)] / 0.06 = $673.85
Next, we calculate the present value of the bond's par value at maturity:
PV(par value) = Par value / (1 + r)^n
PV(par value) = $1,000 / (1 + 0.06)^20 = $311.80. Finally, we add the present value of the coupon payments and the present value of the par value to get the intrinsic value of the bond: Intrinsic value = PV(coupon payments) + PV(par value) = $673.85 + $311.80 = $985.65. Therefore, the intrinsic value of the bond is $985.65.
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Scott worked 57hrs last week. He gets paid a salary of $87,600. What is the amount of Scott's weekly check? (Round to the nearest cent)
A) $1,684.62
B) $894.55
C) $2,389.31
D) $3,369.23
Answer: A) $1,684.62
Because salary divided equals this
To decrease buyer power, the firm can a.​Differentiate its product b.​Decrease dependency on a single buyer c.​Sell its products in locations with multiple buyers d.​All of the above
Answer:
I need these pt thx plz plzpl
You are a trainee sales manager with a retailing firm. Visit professional websites and discussion forums to find out how managers resolve problems related to transactions including cash, checks, debit cards, credit cards, discounts, layaway, Cash on Delivery, returns, gift certificates, and automatic fee withdrawals. You may also want to meet up with and talk to a store professional during their break times and seek input in person. Also, explain the technique to make change in counter transactions correctly.
Managers resolve transaction-related issues including cash, checks, debit cards, credit cards, discounts, deposits, cash on delivery, returns, gift cards and automatic fee withdrawals based on company policy.
Importance of company policy for decision makingThe organizational policy must be shared with all employees in a clear and objective way, in order to be a guide for behavior in the organization.
It will include the norms and rules to be followed in each organizational situation.
Considering Starbucks as the company of our research, through its website we can see that there is a guide with the terms and conditions for using the Starbucks card.
Therefore, each rule must be clearly exposed to stakeholders, and each issue related to financial transactions exposed in pre-established legal documents, in order to be a protection for the organization and for the clients.
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In what way, if any, does social media influence a small company's ability to advertise?
The ability of many smaller companies to advertise has not been affected by social media due to the greater benefit of larger companies.
Many smaller companies are now able to advertise on TV, radio, and websites, thanks to the rise of social media.
Many smaller companies are now able to advertise on TV, radio, and websites, thanks to the rise of social media.
Many smaller companies cannot afford to advertise on social media, but it does help spread word of mouth about their businesses.
Many smaller companies cannot afford to advertise on TV, the radio, or online, but they can afford to advertise on social media.
Answer:
I would have to say that its probably gonna be B
Explanation:
that one seems most likely
Answer:
Many smaller companies cannot afford to advertise on TV, the radio, or online, but they can afford to advertise on social media.
Explanation:
The guy above me is wrong
Define: Corporation, Sole Proprietorship, Limited Liability Corporation, Limited Liability Partnership.
Give a few pros and cons to each as well. Lastly, which one would you choose if you were to start a business and why in paragraph form?
The Pros of Corporation includes:
limited personal liabilityeasy transfer of ownershipThe Cons of Corporation includes:
time-consumingsubject to double taxation, as well aThe Pros of Sole Proprietorship includes:
Complete controlFlexibility to run the business as you see fitThe Cons of Sole Proprietorship includes:
No liability protection.Harder to get financingThe Pros of Limited Liability Corporation includes:
Protection from some liability if the company runs into legal issues or debts.The Cons of Limited Liability Corporation includes:
Ownership is spread across its membersThe Pros of Limited Liability Partnership includes:
Its protects the member's personal assets from the liabilities of the businessThe cons of Limited Liability Partnership includes:
Ownership is spread across Partners.What is a Corporation?This refers to a large company or group of companies authorized to act as a single entity and recognized as such in law.
What is a Sole Proprietorship?This is an enterprise owned and run by one person where there is no legal distinction between the owner and business entity.
What is a Limited Liability Corporation?This is a business structure that protects its owners from personal responsibility for its debts or liabilities.
What is a Limited Liability Partnership?This allow for a partnership structure where each partner's liabilities are limited to the amount they put into the business
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How do perception, learning and attitudes affect consumer decision making and how marketer influence these processes
Perception means how a person is thinking, learning refers to acquiring new knowledge and attitudes means feeling towers the product or service. Consumer decision-making is significantly influenced by perception, learning, and attitudes.
Perception, learning, and attitudes are all important factors that affect consumer decision making. Perception influences how a consumer interprets and evaluates stimuli in the marketplace. Learning affects how a consumer learns from past experiences and develops buying habits. Attitudes influence a consumer's predisposition towards a product or service. Marketers can influence these processes by designing their campaigns to appeal to the target audience's senses, past experiences, and biases.
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Read the following descriptions. Decide who demonstrates good habits and attitudes.
Michael likes his job. He decides to take a few finance classes so that he becomes better at his job. This will also help in case he wants to transfer to a new position in the same company.
Bryan thinks he has the best job. He thinks he is already doing the best he can and doesn't do anything to improve his skills.
Answer:
Michael demonstrates good habits and attitude
Explanation:
Michael likes his job and takes the initiative to do better so he can get a new position,however Bryan is very cocky and doesn't try to get better.
What is the science that studies trends and changes in human populations?
A. Cohorts
B. Statistics
O c. Technology
D. Demography
Answer:
The answer to your question is D.
Demography is the statistical study of trends and changes in human populations. Thus, the correct option is D). Demography.
What is Demography?
Demography refers to the statistical study of human population. It includes the study of human populations and population changes and trends by using different resources such as statistics of births, deaths, income and disease.
Demography is the scientific study which is important to understand the structure of a population in order to plan health and public health interventions, to know how far the growth rate of the economy is keeping pace with the growth rate of population etc.
Demographers are those researchers who conduct demographic analysis by using census data, surveys, and statistical models to analyze the size, movement, and structure of populations.
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What do individuals and households provide to the government?
The forecast was 70 units for the current period while actual demand was 76. the forecast for the next period is 75.8. what is alpha if a simple exponential smoothing forecast method is being used?
Answer:
To find the value of alpha in a simple exponential smoothing forecast method, we can use the following formula:
alpha = (actual demand - forecast for current period) / actual demand
Plugging in the values from the problem, we get:
alpha = (76 - 70) / 76 = 6 / 76 = 0.0789
Thus, the value of alpha in this case is approximately 0.0789.
You are scheduled to receive a $500 cash flow in one year, a $1,000 cash flow in two years, and pay a $800 payment in three years. Interest rates are 10 percent per year.
What is the combined present value of these cash flows? (Do not round intermediate calculations. Round your final answer to 2 decimal places.)
If you are scheduled to receive a $500 cash flow in one year, a $1,000 cash flow in two years, and pay a $800 payment in three years, then, the combined present value of these cash flows is $679.50.
To calculate the combined present value of these cash flows, we need to discount each cash flow back to its present value using the given interest rate of 10 percent per year. Let's calculate the present value of each cash flow:
PV1 = $500 / (1 + 0.10)¹ = $500 / 1.10 = $454.55 (rounded to 2 decimal places)
PV2 = $1,000 / (1 + 0.10)² = $1,000 / 1.21 = $826.45 (rounded to 2 decimal places)
PV3 = -$800 / (1 + 0.10)³ = -$800 / 1.331 = -$601.50 (rounded to 2 decimal places)
Note: The negative sign indicates a payment or outgoing cash flow.
Now, we can calculate the combined present value:
Combined PV = PV1 + PV2 + PV3
Combined PV = $454.55 + $826.45 - $601.50
Combined PV = $679.50 (rounded to 2 decimal places)
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You are considering buying stock A. If the economy grows rapidly, you may earn 40 percent on the investment, while a declining economy could result in a 15 percent loss. Slow economic growth may generate a return of 3 percent. If the probability is 12 percent for rapid growth, 27 percent for a declining economy, and 61 percent for slow growth, what is the expected return on this investment? Round your answer to one decimal place.
Answer:
the expected return is 2.58%
Explanation:
The computation of the expected return is shown below:
= respective weights × respective returns
= 40% × 12% + -15% × 27% + 3% × 61%
= 0.048 - 0.0405 + 0.0183
= 0.0258
= 2.58%
hence, the expected return is 2.58%
how to figure out if a comapny is a monopoly an oligopoly monopolistically competitve or perfectly competitive
In a monopolistic market, there is only one company that has complete market dominance and sets the prices and levels of supply for goods and services whereas a perfectly competitive market is made up of numerous firms.
Companies are price makers in a monopolistic market because they set the prices for goods and services. Prices for goods and services are typically high in this type of market because businesses enjoy complete market dominance.
Buyers are aware of the nature of the goods being offered and the prices each firm charges, and the industry is characterized by freedom of entry and departure. In a completely competitive market, all firms sell the same product and are price takers.
The market is dominated by a small number of large suppliers in an oligopoly. Other less significant suppliers with a minor fraction of the oligopoly market share are possible. Oligopoly may stock, produce, or differentiate identical or similar goods.
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you write one mbi july 127 call contract (equaling 100 shares) for a premium of $12. you hold the option until the expiration date, when mbi stock sells for $135 per share. you will realize a on the investment. a) $400 profit b) $800 loss c) $2,000 loss d) $800 profit
The given information is about one MBI July 127 call contract (100 shares) written for a $12 premium and held until expiration date, when the MBI stock sells for $135 per share. So, the correct option is
d) $800 profit.
What is Call Option?A call option is a financial contract that offers the purchaser the right, but not the obligation, to buy an underlying asset at an agreed-upon price on or before a certain date. A call option gives the buyer the option, but not the obligation, to buy the underlying asset at the strike price, while a put option gives the buyer the option, but not the obligation, to sell the underlying asset at the strike price.
On the other hand, the seller of a call option has the obligation to sell the underlying asset to the buyer if the buyer chooses to exercise the option. The seller receives the premium payment in exchange for the obligation to sell the underlying asset to the buyer.
The profit or loss on an options contract is the difference between the price at which the option is sold and the price at which it is bought or exercised. The given MBI call option contract was sold for a premium of $12, and it gives the purchaser the right to purchase the underlying shares for $127.
When the stock is sold for $135 per share, it indicates that the purchaser will undoubtedly exercise the option. The cost of 100 shares would be $12,700 ($127 x 100), and the stock can be sold for $13,500 ($135 x 100), resulting in a profit of $800 ($13,500 - $12,700).Therefore, the answer is d) $800 profit.
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Compare and contrast what is meant by "liquidity" when referring to a CD and a mutual fund. (50 points!)
Answer: natural gas
Explanation:
P&g’s concern about some users seeing p&g ads an excessive number of times relates primarily to which consideration for selecting media choices for a promotional campaign?.
P&G’s concern about some users seeing P&G advertisements an excessive number of times relates primarily to this consideration for selecting media choices for a promotional campaign: B. frequency.
What is an advertisement?An advertisement can be defined as a group of consumer promotional campaign (program) which is designed and developed with the sole intention of making the various goods or services that are being offered by a business firm (company) to become known, popular and familiar to all of its customers and potential customers.
This ultimately implies that, consumer promotional campaign (program) such as online display and television advertisements, can help a business firm in several positive ways.
Additionally, the number of times that customers and potential customers view a consumer promotional campaign or advertisement is directly related to frequency.
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Complete Question:
Procter and Gamble (P&G) spends more than $7 billion per year on advertising, more than any other company in the world. For years, an increasing amount of that budget was being shifted away from television and toward online ads, including Face-book. Face-book ads offer companies the ability to precisely target ads to subgroups of shoppers, such as teenagers, new moms, and pet owners. At one point, P&G's digital ad spend was well more than $1 billion. Then, the company reversed course in the last few years.
In 2017, P&G announced it was cutting digital ads. By the end of 2017, it had cut $200 million in digital ad spending, moving some of those savings back over to other forms of promotion. Marc Pritchard, its chief brand officer, cited a number of reasons, including:
Concerns about brand safety: Top companies are wary of their brand becoming associated with the large amounts of controversial and inappropriate content that appears on social media platforms such as Face-book and You-Tube.Concerns about digital ad fraud: Companies are charged for views, however, P&G discovered that the average view time for a mobile ad on Face-book was only 1.7 seconds. In addition, some users were seeing P&G's ads an excessive number of times.Concerns about the fit of the digital medium for their audience: Pritchard said, "We targeted too much, and went too narrow…now we're looking at: What is the best way to get the most reach but also the right precision?"*P&G’s concern about some users seeing P&G ads an excessive number of times relates primarily to which consideration for selecting media choices for a promotional campaign?
Lifespan
Frequency
Flexibility
Reach
how does the depreciation in the british pound stirling affect british consumers?
The depreciation of the British pound sterling can have both positive and negative effects on British consumers.
When the British pound sterling depreciates, it means that its value decreases compared to other currencies. This can affect British consumers in several ways. Firstly, a depreciation in the currency can lead to an increase in the prices of imported goods. Since the pound has weakened, it takes more pounds to purchase the same amount of foreign currency needed to buy imported products. As a result, consumers may experience higher prices for imported goods, including food, electronics, and clothing
On the other hand, a weaker currency can also have positive effects for British consumers. It can make British exports more competitive in international markets, leading to increased demand and potentially creating job opportunities in export industries.
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Discuss about the main types of fish available in Nepal.
Answer:
There are many types of fish in nepal but and seven of the major types are:-Mola carplet (Amblypharyngodon mola)
Mola carplet (Amblypharyngodon mola)Bighead carp
Mola carplet (Amblypharyngodon mola)Bighead carp Jaya or Mara
Mola carplet (Amblypharyngodon mola)Bighead carp Jaya or Mara Aspidoparia morar
Mola carplet (Amblypharyngodon mola)Bighead carp Jaya or Mara Aspidoparia morarBarred baril
Barnaby baril
Hamilton's barila
Explanation:
I am sure to will get 6 marks out of 6 marks if you submit this answer!
Bipolar adjective scales are used with which survey instrument? A)store positioning. B)store-image testing. C)semantic differential. D)image analysis
The survey instrument that uses bipolar adjective scales is the semantic differential.
The semantic differential is a type of rating scale used in survey research to measure the attitudes or opinions of respondents towards a particular subject. It typically consists of a series of bipolar adjective pairs, such as "good-bad," "happy-sad," or "strong-weak," with a neutral point in the middle. Respondents are asked to rate the subject on each scale, indicating their degree of agreement or disagreement with each adjective.
Bipolar adjective scales are useful in the semantic differential because they provide a clear contrast between opposing attitudes or opinions, allowing for a more nuanced and detailed understanding of respondents' perceptions. They are often used in store-image testing, where researchers seek to understand how consumers perceive a particular retail brand or store. By asking respondents to rate the store on a range of bipolar adjective scales, researchers can gain insights into the store's strengths and weaknesses, as well as how it compares to competitors.
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Chapter one in our Property Management text explains the three general categories of property management clients:
Investor-owners
Incidental (accidental owners)
Institutional Owners
Provide a real world example (don't quote the book) of each from your life and mention their experience either good or bad. This could be a family member, friend, place where you work, your city, county or state. You can always go into the "Student Lounge" to chat with other students and ask how they are doing.
Chapter one in our Property Management text explains the three general categories of property management clients: investor-owners, incidental (accidental owners), and institutional owners. I will provide real-world examples of each category from my life.
1. Investor-owners: My uncle, John, is an investor-owner. He owns multiple rental properties in our city. His experience has been generally good as he has hired a property management company to handle all aspects of his properties. The company takes care of finding tenants, collecting rent, and handling maintenance requests. This arrangement has allowed my uncle to focus on other investment opportunities while ensuring his properties are well-maintained and generating a steady income.
2. Incidental (accidental owners): My friend, Sarah, became an accidental owner when she inherited a property from her late grandmother. She had no prior experience or interest in managing a property. Initially, Sarah struggled with the responsibilities of being a landlord, such as dealing with tenant issues and handling maintenance. However, she eventually hired a property management company to handle these tasks. This decision improved her experience significantly, as the company had expertise in property management and ensured a hassle-free rental experience.
3. Institutional owners: In my city, there is a large university that owns multiple apartment complexes near the campus. These apartment buildings are managed by the university itself, making them institutional owners. The experience of the tenants living in these apartments has generally been positive. The university provides efficient maintenance services, timely responses to inquiries, and creates a sense of community by organizing events for the residents. This institutional ownership ensures that the properties are well-managed and cater to the needs of the student population.
These real-world examples illustrate the different experiences that can arise from property management clients belonging to the three general categories mentioned in the text.
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Patty’s Pottery Company decided to sell its coffee mugs in the local coffee shop. What marketing decision was this?
Question 10 options:
Place
Promotion
Product
Price
Answer:
A- Place
Explanation:
Place refers to distribution or the methods and location.
The different types of contract are express contract,_________
contract, unilateral contract, and bilateral contract.
Answer:
The answer is Implied.
Explanation:
The different types of contract are express contract, Implied
contract, unilateral contract, and bilateral contract.
Suppose that your favorite electronics store maintains an inventory of a certain brand and model of mp3 player. the store pays the manufacturer $165 for each mp3 player ordered. each order incurs a fixed cost of $40 in order processing, shipping, etc. and requires a 2 week lead time. the store estimates that its cost of capital is 17% per year, and it estimates its other holding costs (warehouse space, insurance, etc.) at $1 per mp3 player per month. the demand for mp3 players is steady at 40 per week.
required:
a. using the eoq model, calculate the optimal order quantity, reorder point (r), and average cost per year.
b. now suppose that backorders are allowed, and that each backorder incurs a stockout penalty of $60 per stockout per year. using the eoq model with planned backorders, calculate the optimal order quantity, stockout percentage (x), reorder point (r), and average cost per year. how much money would the store save per year by allowing stockouts, expressed as a percentage?
The store pays the manufacturer $165 for each mp3 cost estimations theory player ordered. each order incurs a fixed cost of $40 in order processing, shipping, etc that backorders are allowed, and that each backorder.
A stockout penalty of $60 per stockout per year. using the eoq model with planned backorders, calculate the optimal order quantity,
Before you can calculate the cost of creating mp3 devices, you must first determine the company's entire overhead costs.
Cost-benefit analysis illustration.
• Divide the $2000 weekly overhead expense by the quantity of weeks required to produce the mp3 devices.
• After that, add the price of each MP3 player to the overall overhead expense. The sum of these two figures is the cost of manufacturing mp3 players.
• For instance, if manufacturing the mp3 devices takes 4 weeks, the final cost would be $8,180 ($2000 x 4 weeks + 45 x 4 weeks).
Cost of overhead is $2000 per week.
MP3 Player Price: $45 .Total Price = Overhead Price + MP3 Player Price Total Price = $2000.
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Product enhancements
A) do not really change the basic product.
B) include guarantees and warranties.
C) include features and options
D) reduce the number of target markets one product can satisfy.
Answer:
C or A
Explanation:
I could answer better with more context
what does white space mean in terms of advertising?
A. Space within the advertising region that is text only
B. Space within the advertising region that is filled
C. Space within the advertising region that is colorful
D. Space within the advertising region that is left unmarked and unfilled
Answer:
D. Space within the advertising region that is left unmarked and unfilled
Explanation:
Hope this helps!!
The meaning of the word white space in advertising refers to Space within the advertising region that is left unmarked and unfilled. Thus, option (D) is correct.
What is Advertising?Advertising is a marketing strategy that involves paying for advertising space to sell a product, service, or movement. Marketing messages, or ads for short, are the real commercial messaging.
Advertising's purpose is to contact those who are most likely to be ready to pay for a company's goods or services and convince them to purchase them.
White space in a design is empty space or negative space that occurs surrounding all text in a design layout used in advertising. The space may seem to be empty, yet it is most likely the most crucial aspect of how the design seems to the human eye.
Therefore, it can be concluded that option (D) is correct.
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T/F : Leadership development can take place by using one's immediate superior as a positive or negative model of effective leadership.
For instance, observing their supervisor could help an individual recognize the kind of communication that is effective and necessary for different kinds of individuals and how to develop an ethical and professional attitude in a corporate culture. This can help them develop their leadership qualities and capabilities.
The statement "Leadership development can take place by using one's immediate superior as a positive or negative model of effective leadership" is TRUE.Using one's immediate superior as a positive or negative model of effective leadership is one way leadership development can take place. An individual can learn how to become a good leader by observing their immediate superior's behavior and habits at work. This can help them to identify which traits are effective in leading a team and which ones are not.For instance, observing their supervisor could help an individual recognize the kind of communication that is effective and necessary for different kinds of individuals and how to develop an ethical and professional attitude in a corporate culture. This can help them develop their leadership qualities and capabilities.
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suppose a bank has $700 million in deposits and $30 million in required reserves, and it is holding no excess reserves. what is the required reserve ratio? give your answer to two decimals.
The required reserves ratio, given the amount the bank is holding in deposits and the amount in required reserves, is 4. 1 %
How to find the required reserve ratio ?The amount of reservable liabilities that commercial banks must keep onto rather than lend out or invest is known as the reserve ratio. The central bank of the nation, in this case the Federal Reserve in the United States, sets this criterion. It is often referred to as the ratio of cash reserves.
To find the required reserve ratio, the formula is :
= Amount in reserve / ( Amount that banks have both in reserve and as deposits ) x 100 %
Amount in reserve = $ 30 million
Amount that banks have both in reserve and as deposits :
= 700 + 30
= $ 730 million
The required reserve ratio is :
= 30 / 730 x 100%
= 0. 041 x 100 %
= 4. 1 %
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Promotional discounts are given to stores by manufacturers to place their products in preferred locations in the store and to display their products in a ski manufacturer sells a local ski shop 35 pairs of their new store window: skis for $7000, which is a discount of $2,625. What is the percentage of the discount given to the store? (Round your answer to the nearest whole percent.)
Answer:
27%
Explanation:
The ski was sold for $7,000 which has a discount of $2,625.
the price before discount is
= $7,000 + $2,625.
=$9,625
the discount as a percentage
=$2,625 / $9,625 x 100
=0.272727 x 100
=27.27%
=27%