joshua borrowed $2,100 for one year and paid $105 in interest. the bank charged him a service charge of $18. if joshua repaid the loan in 12 equal monthly payments, what is the apr?

The extent to which a given competitor possesses strategic endowment comparable, in terms of both type and amount, to those of the focal firm, refers to similarity of Resources, The answer is option B.

The degree to which a particular competitor possesses strategic endowments similar in both type and amount to those of the focal firm is referred to as similarity of resources. The similarity of resources plays a significant role in the rivalry among competitors within an industry. Resources are an essential component of a company's competitive advantage.

They are the assets that a company possesses, such as employees, technology, brand, and intellectual property, that give it a competitive edge over its rivals. The more similar a competitor's resources are to those of the focal company, the more likely they are to pose a threat to the focal company's competitive advantage.

It is critical to be aware of your competitors' resources to be prepared to respond quickly to any competitive action that may arise.

To conclude, the extent to which a given competitor possesses strategic endowment comparable, in terms of both type and amount, to those of the focal firm, refers to similarity of resources.

Hence, option B is the right answer.

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Answer: general revenue-dedicated funds budget

Explanation: The general revenue-dedicated funds budget is a type of budget (the amount of money earmarked for a particular institution, activity or time-frame) that is comprised of funds for dedicated revenues that target money for specific purposes. The fund is designated dedicated because by law is dedicated, appropriated or set aside for a limited object or purpose in the State Treasury, a separate account or fund in the General Fund in the State Treasury and does not include a trust or revolving fund.

Answer:

Lemme get straight to the point it's C

Explanation:

EDG2020

The figure of $499,000 represents the price of the new house.

Cost refers to the amount of money, resources, or effort required to produce, acquire, or maintain a product, service, or asset. It encompasses various elements such as materials, labor, overhead expenses, and other associated expenses. Cost analysis is essential for businesses to determine the feasibility and profitability of their operations. Understanding costs allows for effective pricing strategies, budgeting, and decision-making. Different cost types exist, including fixed costs that remain constant regardless of production volume, variable costs that change with production levels, and marginal costs that represent the cost of producing one additional unit. Accurate cost assessment is crucial for businesses to optimize efficiency, manage expenses, and achieve financial objectives.

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APR, a rate advertised by lenders is typically lower than APY. The correct answer is D.

APR is an acronym for annual percentage rate, it is considered as a cost of borrowing money which is calculated on a percentage that any individual pay each year on their loan.  It does not only include the rate of interest but also the fees you must pay to obtain the loan.

APY is an acronym for annual percentage yield, which is considered the actual rate of return on the investment after considering the effect of investment returns.

APR is a rate advertised by lenders that is typically lower than APY as the cost of overall borrowing is lower, and the accounts of APR are also lower. If the difference between APR and APY is higher, the frequency with which interest compounds also increases.

Therefore, option D lenders and lower is the appropriate answer.

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Australia and New Zealand are known for their vast grasslands and open ranges, similar to the ranches in America. These regions are characterized by large areas of pasture and few natural obstacles, which provide an ideal environment for cattle to graze and thrive.

Furthermore, both countries have a long history of cattle farming and a thriving livestock industry. As a result, many of the processing and transportation facilities needed for the industry can be found in these regions. The cattle are typically raised and fattened in these areas and later transported to market either by land or sea. Additionally, these areas are home to many skilled farmers and ranchers who have perfected the art of cattle farming.

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Answer:

register this as a credit transaction waiting for payment processing

Explanation:

The best thing to do in this scenario would be to take the supplies and register this as a credit transaction waiting for payment processing. That way there is a financial journal entry stating where the supplies went and that they are not missing. Then when you get paid next week you can simply pay for the supplies and change the transaction as completed/paid.

Answer:

Location analysis is a technique for discovering, assessing and specifying the optimal placement of an organization's people, information, activities, and materials.Location models are key in performing location analysis by providing a well-documented common vision of current and desired location arrangements.

Deductions for business expenses include all regular and required costs, including direct labor and supplies, that were paid for or incurred during the tax year in connection with a trade, business, or profession.

Deductibles: What You Should Know Mortgage interest payments, local and state taxes, and charitable contributions are a few of the most frequently used deductible expenses for individuals who make a living from wages. For out-of-pocket medical expenses, a deduction is available.

Advertising, employee benefits, insurance, legal and professional services, telephone and utilities, rent, office supplies, payroll, dues to professional associations, and subscriptions to business periodicals are typical expenses for running a business that you can deduct.

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The statement is True. Eysenck, a prominent psychologist, argued that many experimental studies on the same topic yield inconclusive or inconsistent results because the experimenters failed to take personality factors into account.

Eysenck believed that personality traits such as extraversion, neuroticism, and psychoticism influence how people react to different stimuli, including experimental manipulations. For instance, extraverted individuals might respond differently to social cues than introverted individuals, and neurotic individuals might be more sensitive to stress than emotionally stable individuals. If experimenters fail to control for these individual differences, they might observe inconsistent or unpredictable results that are hard to replicate. Eysenck's argument highlights the importance of considering personality factors in experimental research and designing studies that account for individual differences. By doing so, researchers can increase the validity and reliability of their findings and gain a more comprehensive understanding of human behavior.

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The real value of the investment at the end of one year is $1,058.

To find the real value of an investment, we need to adjust for inflation. We can do this by using the following formula:

Real value = Investment* (1+Nominal rate) / (1 + Inflation rate)

In this case, the nominal value is $1,000 and the inflation rate is 4%, or 0.04. Plugging these values into the formula, we get:

Real value = ($1,000 * 1.10) / (1 + 0.04)

Real value = $1,100 / 1.04

Real value = $1,057.69 (nearly equal to $1058)

The real value of the investment is $1,058.

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Answer:

C. customer feedback

The general fund ($18,400,000) and the debt service fund ($2,600,000) should be reported as major funds.

Major funds are defined as those funds that are considered significant in terms of size and scope. In the case of a city, the general fund and the debt service fund are typically considered major funds because they play a significant role in the overall financial operations of the city. The general fund is the main operating fund for the city and is used to finance the day-to-day operations, while the debt service fund is used to pay for long-term debt obligations.

Based on the information provided, the general fund and the debt service fund should be reported as major funds.

Total governmental funds: $26,300,000 (sum of the general fund, library fund, and debt service fund)

Total governmental and enterprise funds combined: $51,250,000

So, the general fund ($18,400,000) and the debt service fund ($2,600,000) should be reported as major funds.

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Answer and Explanation:

The computation is shown below:

a. The rate of return in percentage is

= return ÷ investment

= $15 ÷ $150

= 10%

b. The economic profit is

= rate of return - normal profit rate

= 10% - 5%

= 5%

c. As the economic profit is more than 0 so it should be the entry

d. The rate of return in the long-run equilibrium to the 5% as the rate of return should be equivalent to the normal rate of profit

The net working capital that JohnBoy Industries need to fund, given its cash balance, accounts payable, accounts receivable, inventory, notes payable, and accrued wages and taxes is $79,000.

Working capital is the amount of money that a business has to cover its everyday operations. It's determined by subtracting a company's current assets from its current liabilities. Net working capital is a similar metric that excludes short-term debt that must be repaid within a year or less. To fund its operations, JohnBoy Industries needs to maintain a net working capital of $79,000. The following formula is used to calculate net working capital:

Net Working Capital = Current Assets - Current Liabilities

Current Assets include: Cash and cash equivalents; Accounts receivable; Inventory

Current Liabilities include: Accounts payable; Notes payable; Accrued liabilities

The current assets and current liabilities of JohnBoy Industries are:

Cash: $39,000

Accounts receivable: $204,000

Inventory: $169,000

Total current assets: $412,000

Accounts payable: $119,000

Notes payable: $114,000

Accrued wages and taxes: $34,000

Total current liabilities: $267,000

Now, we can calculate the net working capital of JohnBoy Industries. Net working capital = Current assets - Current liabilities

Net working capital = $412,000 - $267,000

Net working capital = $145,000

However, we are required to calculate the net working capital that the firm needs to fund, so we must subtract the short-term debts from the current assets. Net working capital needed to fund = Current assets - (Notes payable + Accounts payable + Accrued wages and taxes)

Net working capital needed to fund = $412,000 - ($114,000 + $119,000 + $34,000)

Net working capital needed to fund = $145,000 - $267,000

Net working capital needed to fund = -$79,000

Therefore, JohnBoy Industries needs a net working capital of $79,000 to fund its operations.

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Answer:

A. Product

B. Price.

C. Place.

D. Promotion.

Explanation:

Marketing plan can be defined as the choices about product attributes, pricing, distribution, and communication strategy that a company blends and offer its targeted markets (customers) so as to build and maintain a desired response.

Generally, a marketing plan is made up of the four (4) Ps and these includes;

1. Products: this is typically the goods and services that gives satisfaction to the customer's needs and wants. They are either tangible or intangible items.

2. Price: this represents the amount of money a customer buying goods and services are willing to pay for it.

3. Place: this represents the areas of distribution of these goods and services for easier access by the potential customers.

4. Promotions: for a good sales record or in order to increase the number of people buying a product and taking services, it is very important to have a good marketing communication such as advertising, sales promotion, direct marketing etc.

Answer:

Throughout the given scenario following are the points, should be achieved to reduce the pallet crisis.

Explanation:

The export business faces the above-mentioned issue of that same lack of wooden pallets towards distribution.

Answer:

the information about the company's income statement is missing, so I looked for a similar question (see attached image):

current contribution margin per unit = $3

current sales volume = 44,000 units

fixed expenses = $46,000

1. What is the revised net operating income if unit sales increase by 12%?

2. What is the revised net operating income if the selling price decreases by $1.30 per unit and the number of units sold increases by 19%?

[(44,000 x 1.19) x $1.70] - $46,000 = $43,012

3. What is the revised net operating income if the selling price increases by $1.30 per unit, fixed expenses increase by $6,000, and the number of units sold decreases by 7%?

4. What is the revised net operating income if the selling price per unit increases by 20%, variable expenses increase by 20 cents per unit, and the number of units sold decreases by 13%?

Reducing thefts from stores is a complex issue that requires a multifaceted approach.

Here are some strategies that can help decrease thefts:

1. Store Layout and Security Measures:

  - Ensure clear visibility within the store, minimizing blind spots and obstructions.

  - Install surveillance cameras and use visible signage to deter potential thieves.

  - Implement access control measures, such as electronic tags or locks on high-value items.

  - Use mirrors and proper lighting to enhance visibility and discourage theft.

2. Train and Educate Staff:

  - Provide comprehensive training to employees on theft prevention, detection, and response.

  - Teach staff to recognize suspicious behavior and engage in proactive customer service.

  - Establish clear protocols for reporting and responding to theft incidents.

  - Foster a culture of vigilance among employees.

3. Implement Customer Service Strategies:

  - Offer excellent customer service, as engaged employees can deter theft.

  - Greet and assist customers promptly, making them feel noticed and valued.

  - Use attentive customer service to deter potential thieves who may feel observed.

4. Use Technology and Anti-Theft Measures:

  - Install anti-theft systems like electronic article surveillance (EAS) tags on merchandise.

  - Utilize security alarms and sensors at entry/exit points and high-value areas.

  - Implement inventory management systems that track and monitor stock levels.

  - Consider employing video analytics and artificial intelligence to detect suspicious behavior.

5. Maintain a Safe and Welcoming Environment:

  - Keep the store well-maintained and organized, as a cluttered environment may provide opportunities for theft.

  - Create a pleasant atmosphere that encourages legitimate customers to feel comfortable.

  - Engage in community outreach and partnerships to build positive relationships with customers and local authorities.

6. Collaboration and Reporting:

  - Establish connections with local law enforcement and participate in crime prevention initiatives.

  - Encourage reporting of theft incidents and provide a secure and confidential reporting system.

  - Share information with neighboring business and retail associations to address common challenges collectively.

It's important to note that no single strategy can completely eliminate thefts, but implementing a combination of these measures can significantly reduce incidents and create a more secure environment. Continuous evaluation, adaptation, and collaboration with relevant stakeholders are essential for an effective theft prevention approach.

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An international company is a company that sells products or services in other countries, but operates facilities only in its home country. The company sells all over the world, but mainly focuses on the domestic market.

International business refers to the trade of goods, services, technology, capital and/or knowledge across borders on a global or transnational scale. “International business” is also defined as the study of the internationalization process of multinational corporations. A multinational enterprise (MNE) is a company that takes a global approach to markets, production, and/or operations in multiple countries. Well-known multinationals include fast food companies such as McDonald's (MCD), YUM and Starbucks Coffee Company (SBUX). Other major multinationals include automakers such as Ford Motor Company and General Motors (GMC). Consumer electronics manufacturers such as Samsung, LG and Sony, and energy companies such as Exxon Mobil and British Petroleum (BP) are also multinationals.

These are cross-border transactions of goods and services between two or more countries. Trading in economic resources involves capital, skills and people for the purpose of producing physical goods and services such as finance, banking, insurance and construction internationally. International business is also called globalization.

In order to do business abroad, a multinational company needs to consolidate its separate domestic markets into his one global market. There are two macroscopic factors that underscore the trend towards increasing globalization. The first is to remove barriers to facilitate cross-border trade (eg, the free movement of goods, services and capital known as “free trade”). The second is technological change, especially in communications, information processing, and transportation technology.

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Chapter 7 and Chapter 11 bankruptcies will remain in an individual's credit history for 10 years.

Your credit history will reflect a bankruptcy filing for a number of years. The length of time a bankruptcy stays on your credit report depends on the type of bankruptcy you choose. Bankruptcies filed under Chapter 7 and Chapter 11 will stay on your credit report for 10 years. Your credit report will show a Chapter 13 bankruptcy for seven years after it has been filed.

If you adopt a disciplined approach to paying your creditors, paying bills on time, and maintaining a sustainable level of debt on credit cards and other revolving credit, the impact of the bankruptcy on your credit score will progressively lessen as the years go by.

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Answer:

$86,000

Explanation:

Since the government is hiring a worker, not a private company, it counts towards GDP, as does buying supplies.

$55,000 + $26,000 + $5,000 = $86,000

5 months and 200 pounds

4x5 = 20

220-20

200

10x5 = 50

250-50

200

The two measures, in accordance with the provided statement, are product development and participation in national brand advertising.

A producer is a person or business that turns raw materials into completed products using a variety of tools, machinery, and procedures, and then sells those products to customers, exporters, wholesalers, retailers, or other manufacturers who can use them to make more complicated products.

Manufacturing is the process of creating new goods from components or raw materials. Automotive businesses, bakers, shoemakers, and tailors are all examples of manufacturing because they all produce goods rather than provide services.

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Occupational Health and Safety are defined as goods or services that are required for health and safety. Information standards are guidelines governing the information that must be provided to consumers when they purchase specific goods.

A safe product is one that delivers either no risk or a minimum tolerable level of risk, taking into account the product's typical or reasonably foreseeable use and the need to maintain a high level of consumer protection.

Occupational health and safety is a multidisciplinary discipline that deals with all elements of workplace health and safety, with a heavy emphasis on preventing workplace dangers.

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On the recommendation and with the Senate's approval, the president appoints ambassadors. It is the responsibility of the State Department to formulate and implement the president's foreign policy.

The Executive Branch of the government Executive Branch oversees the Department of State, a Cabinet-level department. The U.S. Congress is the country's legislative body, and it is accountable to and elected by the American people.

With the exception of laws, treaties, and the authorization of war, the Constitution grants Congress the power to oversee but not to determine American foreign policy. In this position, congressional committees may interrogate Department representatives on issues related to foreign policy, internal business, and other topics as necessary.

Effective contact between State Department representatives and Members of Congress and their staffs is facilitated by the Department's Bureau of Legislative Affairs.

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In order to make decisions about foreign policy, the public, Congress, the executive branch, and the president must all be involved.

George Washington once said that with the abundance of self-styled secretary of state in the United States, it should have the most successful foreign policy in the entire globe. Since his time, there has been a significant increase in the difficulty of creating a coherent, pertinent, and workable foreign policy.

The process of formulation should, theoretically, start with a precise definition of the national interests, then outline the policies that would advance those interests, the course of action by the various departments and agencies that would further those policies, as well as the allocation of resources needed to carry them out.

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Credit unions should be used rather than a bank because credit unions return its profits to their members in the form of cheaper fees, higher savings rates, and lower interest rates on loans.

According to the Credit Union National Association, 130 million Americans are members of credit unions, which are not-for-profit organizations that are owned by their members.

Banks are required to turn a profit for their shareholders, while credit unions are not required to do the same for their members. Instead, they want to charge as little as possible, have the highest possible savings rates, and the lowest possible lending interest rates.

Credit unions are required to keep their membership to a certain "field of membership." This can refer to a place of employment, a school or house of worship, a region, or membership in an association.

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The three kinds of network roles or patterns of relationships that are seen in all types of organizations are: Isolates, Brokers, and Cohesive groups.

Isolates: Isolates are individuals who have no connections to other members of the network. They are essentially disconnected from the network and do not participate in any of the network's activities.

Brokers: Brokers are individuals who serve as bridges between different parts of the network. They are able to connect otherwise disconnected groups or individuals and facilitate communication and exchange of information between them.

Cohesive groups: Cohesive groups are clusters of individuals who are highly interconnected and have strong relationships with each other. These groups may have their own norms, values, and ways of operating that are distinct from the rest of the network.

These three network roles are important for understanding the dynamics of organizational networks, as they can have different effects on the flow of information, the spread of innovations, and the distribution of power and influence within the network.

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