The portion of deposits that a bank does not loan out or spend on securities is known as Reserves. Thus, Option (B) is the correct answer.
Bank reserves are the minimum reserve deposits that banks or financial institutions must possess in order to meet central bank requirements. This is real paper money which is kept reserved with the central bank of the country by the financial institutions. Cash reserves requirements are focused to ensure that every bank can meet any large and unexpected demand for withdrawals.
Such reserves are maintained to prevent situations of panic which may arise anytime in future.
Central bank uses these reserves as a major tool to shape monetary policy of the country and manages the money supply in market. Also act as weapon to fight high inflation conditions.
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The correct answer for your question is: B) deposits; reserves. The portion of deposits that a bank does not loan out or spend on securities is known as reserves.
The money that people or corporations deposit into a bank account is referred to as a deposit, and the bank maintains that money as a liability on its balance sheet. These deposits may take the form of certificates of deposit (CDs), checking accounts, or savings accounts, among others. In contrast, reserves are the sums of money that banks keep on hand as a safety net against future withdrawals or other commitments. Depending on the laws of the nation in which the bank conducts business, banks are required to retain a specific amount of reserves, which may be in the form of cash or deposits with the central bank. A bank's needed reserves are normally determined as a proportion of the deposits it has received.
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You are managing a project to build an urgent care clinic. Your company is expanding and has constructed 25 clinics so far. Which estimating technique makes the most sense to use in this situation?
Answer:
Delphi technique
Explanation:
The Delphi model is a technique of group communication in which a panel of experts reach consensus on a set of questions and discussions. This is used to predict or to forecast. First, choose an effective facilitator and experts with relevant expertise, and ensure that the issue is well established after that they reach with a decision
Therefore in the given case, the delphi technique is used
An insurance company owns $50 million of floating-rate bonds yielding LIBOR plus 1 percent. These loans are financed with $50 million of fixed-rate guaranteed invest- ment contracts (GICs) costing 10 percent. A finance com- pany has $50 million of auto loans with a fixed rate of 14 percent. The loans are financed with $50 million in CDs at a variable rate of LIBOR plus 4 percent. (LG 10-7)
a. What is the risk exposure of the insurance company?
b. What is the risk exposure of the finance company?
e. What would be the cash flow goals of each company if they were to enter into a swap agreement?
d. Which company would be the buyer and which company would be the seller in the swap?
e. Diagram the direction of the relevant cash flows for the swap arrangement.
The insurance company is exposed to interest rate risk because the floating-rate bonds it holds are subject to changes in LIBOR. The finance company is exposed to credit risk due to the fixed-rate auto loans it holds.
If the companies were to enter into a swap agreement, the insurance company would aim to receive fixed-rate payments to mitigate its interest rate risk, while the finance company would aim to receive floating-rate payments to mitigate its credit risk. The insurance company would be the buyer in the swap, and the finance company would be the seller. The diagram of cash flows would show the insurance company making fixed-rate payments to the finance company, while the finance company makes floating-rate payments to the insurance company.
a. The risk exposure of the insurance company lies in the interest rate risk associated with the floating-rate bonds it owns. As LIBOR fluctuates, the returns on these bonds will also change, potentially affecting the company's profitability.
b. The risk exposure of the finance company is primarily credit risk arising from the fixed-rate auto loans it holds. If borrowers default on their loan payments, the finance company may face financial losses.
c. If the companies were to enter into a swap agreement, the insurance company's cash flow goal would be to receive fixed-rate payments, thereby hedging its exposure to interest rate risk. The finance company's cash flow goal would be to receive floating-rate payments, mitigating its credit risk.
d. The insurance company would be the buyer in the swap agreement because it seeks to hedge against interest rate risk by receiving fixed-rate payments. The finance company would be the seller in the swap, as it aims to transfer its credit risk and receive floating-rate payments.
e. In the swap arrangement, the insurance company would make fixed-rate payments to the finance company, matching the interest rate on the GICs. Simultaneously, the finance company would make floating-rate payments to the insurance company, matching the interest rate on the CDs. This diagram of cash flows illustrates the transfer of interest rate risk from the insurance company to the finance company, while the finance company takes on the credit risk associated with the auto loans.
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Robert placed the following assets into service for his packing and shipping company this year
Option B. The way that Robert would eliminate the requirement to use the mid-quarter convention B.Claim the Section 179 deduction for the delivery truck.
What is meant by mid-quarter convention?According to the mid-quarter convention, a company that purchases fixed assets during a reporting quarter should treat them as though they were purchased at the halfway point of the quarter.
When the total depreciable basis of MACRS property placed in service during the final three months of the client's tax year exceeds 40% of the total depreciable basis of all MACRS property placed in service throughout the entire year, you must utilize the mid-quarter convention.
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Robert placed the following assets into service for his packing and shipping company this year: April 3: Desk with a basis of $1,100. July 30: Computer software with a basis of $4,200. October 30: Delivery truck with a basis of $33,000. All assets were used exclusively for business purposes. How may Robert eliminate the requirement to use the mid-quarter convention?
A.Claim the special depreciation allowance for the computer software.
B.Claim the Section 179 deduction for the delivery truck.
C.Elect to expense the desk on the tax return in accordance with the de minimis safe harbor of the tangible property regulations.
D.Use the ADS system to depreciate the truck and the desk.
Project: How Entrepreneurs Improve the Economy
This project will focus on researching different ways that entrepreneurs improve the economy. You will then explore these ways and
explain whether you agree or disagree with how each can improve the economy.
During this project, you'll accomplish the following:
O Objectives
• Research at least five ways that entrepreneurs improve the economy and explain whether you agree or disagree with each.
Directions
Use the Internet to research different ways that entrepreneurs improve the economy. You will need to have at least five ways. Be sure
to include the URL links you used as resources in the space below.
Now that you have completed the research, record your findings in the table below and include the links,
1 Fillin five ways that entrepreneurs improve the economy
Answer:
time management
make best decision
saving the budget
having ideas
never relaxed
How does insurance fraud create higher overall prices for everyone?
Ya girl is stuck, i need help
Answer:
Auto insurance fraud affects all drivers because insurance companies determine their rates, at least partially, based on losses.
True or false: keynes' law best applies to short time horizons that see fluctuations in total demand.
It is a true statement that the Keynes law best applies to short time horizons which see fluctuations in total demand.
What is the Keynes law?The Keynesian economic model is developed to adovate an increased government expenditures (spending) and lowering of taxes for stimulation of demand for getting an economy out of the depression.
The law of Keynesian model states that demand creates its own supply and any changes in aggregate demand will cause changes in real GDP and employment.
In conclusion, the statement that Keynes law best applies to short time horizons which see fluctuations in total demand is true.
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Which of the following is the total amount of tax owed by an individual to a taxing authority such as the IRS?
O Tax break
O Tax bracket
O Tax exemption
O Tax liability
The total amount of tax owed by an individual to a tax authority is known as tax liability.
The amount that a person, company, or other entity owes to a federal, state or local tax authority is known as their tax liability.
Generally speaking, when you make money or gain from the sale of an investment or other item, you have to pay taxes. If you don't have enough income to qualify for tax filing, you might not owe any income taxes.
To Calculate Tax Liability, you should consider:
By totalling up all of your income, deducting any necessary expenses, and applying the result to the tax tables for your filing status, you can estimate your tax obligation for the year.For instance, contributions made to an employer-sponsored retirement plan that permits pre-tax deferrals or a health savings account (HSA) won't be counted toward your taxable income.Furthermore, you may be eligible to deduct some expenses from your gross income, such as interest on student loan debt or health insurance premiums if you are self-employed and paid them all year. These are referred to as above-the-line deductions or adjustments to income. Your adjusted gross income is the outcome (AGI).To know more about the taxation system:
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From a consumer’s perspective, what are the advantages and disadvantages of personal selling? Explain.
In the customer level, personal purchases are helpful because you know next or nothing whatsoever about what you want, other than when you purchase a vehicle and need guidance about items such as forms and prices. However when you felt like you're really there to offer your cash, it can be disappointing on the part of the customer, not to really get anything out of the deal.
Type the correct answer in the box. Spell all words correctly.
Which customers help in the profitability and growth of an organization?
Both external and [ }customers help in the profitability and growth of an organization in a direct or indirect manner.
Answer:
Both external and Internal customers help in the profitability and growth of an organization in a direct or indirect manner.
Explanation:
External customers refer to the people who pay for goods and services. Their relationship with a business is through the purchasing of goods or services. A business produces goods and services targeting to sell them to external customers. They are also known as clients.
Internal customers are people that have a relationship with the business. They could be employees, trade partners, investors, and shareholders. Internal customers facilitate the smooth running of a business. They make it possible for a business to avail its products and services to external customers. Internal customers may buy or not buy from the business.
Answer:
internal
Explanation:
Just took test 5/5
Robert wants to consolidate his credit card debts into one loan using the equity in his home. His house bas a market value of $210,000, and he has an outstanding mortgage loan balance of $160,000. How much can Robert borrow if the bank is willing to loan him 50 percent of the equity in his home?
please help
Robert borrows if the bank is willing to loan him 50 percent of the equity in his home is 25,000.
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.
An outstanding mortgage loan is referred to as the amount which needs to be paid on the principal amount that is received on the loan for the asset given as a mortgage loan.
In order to calculate the borrowing amount
Take the value of the home = $210,000
Subtract the outstanding balance = 160,000
The reaming balance will be = 50,000
The bank offered 50% of 50,000 = 25,000. So the amount can be borrowed as $25,000.
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What is an example of a general safety hazard?
poorly maintained equipment
contaminated water
blizzard
employee retaliation
Answer:
poorly maintained equipment
Answer:
contaminated water
Explanation:
if the water doesnt get boiled it will make you sick, contaminated water can make you sick easily so its a safety hazard
NEED HELP, I WILL GIVE BRAINLIEST
Today I sold a new 80 inch television. The sale of this item is called________?
A. Unit of Sale
B. Asset
C. Cost of Goods Sold
Answer:
unit of sale
Explanation:
if u look up the definition of the word, unit of sale makes understand
Answer:
a.unit of sales
Explanation:
What tends to cause structural unemployment?
Economics
Answer:
Structural unemployment occurs because workers lack the requisite job skills or live too far from regions where jobs are available and cannot move closer. Jobs are available, but there is a serious mismatch between what companies need and what workers can offer.
Explanation:
Define the term unemployment and explain the relationship between unemployment and crime
Answer:
The term unemployment refers to a situation where a person actively searches for employment but is unable to find work.
an illegal act for which someone can be punished by the government. especially : a gross violation of law. : a grave offense especially against morality
Explanation:
hope it helps️️
the world trade organization, the international monetary fund and its sister institution the world bank, and the united nations were all created by voluntary agreement between individual nation-states. group of answer choices true false
The world trade organization, the international monetary fund and its sister institution the world bank, and the united nations were all created by voluntary agreement between individual nation-states is true.
The World Trade Organization, the International Monetary Fund, the World Bank, and the United Nations were all established via voluntary agreements between separate nation-states. These sister organizations were all created via voluntary agreement between several nations. They all serve distinct purposes for the member nations, but they are all concerned with the welfare and security of every member state within their particular authority. The World Bank Group works with developing nations to eliminate poverty and create shared prosperity, whereas the International Monetary Fund helps to stabilize the international monetary system and operates as a currency watchdog. The World Bank Group offers governments with money, policy advice, and technical help, as well as working to enhance the private sector in developing nations. The IMF monitors the global and national economies, loans to nations experiencing balance-of-payments challenges, and provides practical assistance to members.
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5. Consider the markets below. Summarize and show on a fully labeled S/D diagram what happens, all else equal, what
happens if the mentioned events occur. Be sure to indicate which curve changes, how it changes, why it changes and
what the effect is on P* and Q*. If the determinant (reason why) has a subcategory, be sure to name both the
determinant AND the subcategory involved. Start grey pencil/black pen, shifting curve changes color to blue.
a. Market for gasoline, all else equal, new oil reserves found in easily accessible fields in the US greatly reduce the
cost of crude oil.
b.
d.
c. Market for operating system software (i.e. Windows 11), all else equal, the price of computers increases.
Market for electric vehicles all else being equal, consumer marketing for electric vehicles becomes much more
effective in persuading people to ditch gasoline/diesel fueled vehicles.
Market for tropical fruit, all else equal, costs of labor, fertilizer and pesticides increase in countries that produce
tropical fruit.
Market for Home Computer Equipment: A pandemic requires a large number of people to work remotely from home.
What happens to the market for home computer equipment when a pandemic requires remote work?When a pandemic requires a large number of people to work remotely from home, the demand for home computer equipment increases. This shift in demand is due to the increased need for individuals to have their own personal computers and accessories to effectively carry out their work tasks from home.
As a result, the demand curve for home computer equipment shifts to the right, indicating a higher quantity demanded at each price level. This leads to an increase in both the equilibrium price (P*) and the equilibrium quantity (Q*) of home computer equipment in the market.
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You see Paul dealing with Susan, an upset employee from another department. Susan is complaining about something that your department was supposed to do but didn't. You are in a back room and have not been seen by Susan. Paul is obviously frustrated and unable to deal with Susan effectively. You should:
a. Walk up to the pair and attempt to change the conversation.
b. Introduce yourself to Susan and offer your assistance.
c. Ask your supervisor to offer some interpersonal skills training to Paul.
d. Tell Paul that Susan is needed by the supervisor to end the situation.
"
The definition of a qualifying child applies to which of the
following?
a. Income exclusion
b. Earned income tax credit
c. Head-of-household deduction
d. Unearned income tax
e. Filing status for child
"
The definition of a qualifying child applies to the Earned Income Tax Credit (option b) specifically, as it determines eligibility for this tax benefit.
A qualifying child is a key factor in determining eligibility for the Earned Income Tax Credit (EITC). The EITC is a tax benefit for low-to-moderate-income individuals and families that is designed to provide financial assistance and reduce the overall tax burden. To claim the EITC, you must meet certain criteria, including having a qualifying child.
A qualifying child must meet specific requirements related to age, relationship, residency, and dependency.
These requirements ensure that the child is a legitimate dependent and that the taxpayer is eligible for the tax credit. Meeting the definition of a qualifying child allows taxpayers to claim the EITC, which can provide significant financial support and potentially result in a tax refund.
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What is a public good?
A A public good is a product or service that one consumer can prevent another consumer from using, and is not accessible without
payment
B A public good is a product or service that one consumer cannot present another consumer from using, and is accessible without
payment
C A public good is a product or service that one consumer cannot prevent another consumer from using, and is not accessible without
payment
D A public good is a product or service that one consumer can prevent another consumer from using, and is accessible without payment.
I believe your answer is B
A public good is a product or service that one consumer cannot present another consumer from using, and is accessible without payment
A manufacturing company provides jobs for many people in a small town where employment is not easy to find. The company has stayed in the town even though it could find cheaper workers elsewhere, because workers are loyal to the company due to the jobs it provides. Over the years, the company has developed a reputation in the town for taking care of its employees and being a responsible corporate citizen.
The manufacturing process used by the company produces a by-product that for years has flown into the town river. The by-product has been considered harmless but some people who live near the river have reported illnesses. The by-product does not currently violate any anti-pollution laws.
WHAT ARE THE ANSWERS TO THESE QUESTIONS?
What are the issues of integrity, ethics and law posed in the case study? What options does the company have, and what should it do and why?
Explanation:
Note, the term integrity often refers to the ability to keeping to one's moral principles, such as honesty. And ethics refers to the principles of right and wrong one might have.
For example, from this case, we observe that
although the company is known to have a good reputation over the years and of being a responsible corporate citizen, if it fails to act, then the company's integrity comes under question.Even though the by-product does not violate any laws, failing to take action may taint the good reputation it has had considering the fact that the company is well aware that "some people who live near the river have reported illnesses."
Giving For such example are, from this case, we observe that is:
Thus, although the company is known to have a good reputation over the years and of being a responsible corporate citizen, Then if any it fails to act, then the company's integrity comes under the question of law. Also that Even though the by-product does not violate any laws, Then it is failing to take action may taint the good reputation it has had considering the fact that the company is well aware that is "some people who live near the river have reported illnesses."Learn more about:
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Publishers employ ______ to seek out and sign authors to contracts.
A) copy editors
B) acquisitions editors
C) book agents
D) developmental editors
E) sales representatives
The correct answer is C) book agents. Publishers employ book agents to seek out and sign authors to contracts.
Book agents, also known as literary agents, are professionals who work on behalf of authors to seek out publishing opportunities and negotiate contracts with publishers. They act as intermediaries between authors and publishers, advocating for their clients' work and negotiating favorable terms and conditions for publication. Book agents typically have industry knowledge, connections, and expertise in navigating the publishing world, making them valuable assets for authors looking to get their work published.
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anyone in a company who influences the behavior of other employees is acting as a ___.
A. executive
B. supervisor
C. leader
D. manager
Answer:
C
Explanation
The strategies managers employ in the workplace often dictate employee ... other hand, leaders who lack managerial skills, are a detriment to employees
Anyone who directs the actions of other workers in a corporation is functioning in a leader capacity. Hence, Option C is correct.
What is a leader?A leader is someone who enlivens and motivates their people. Anyone who has a vision and knows how to get there is a leader. A leader makes sure their group gets the resources and support they need to succeed.
A leader is someone who enlivens and motivates their people. Anyone who has a vision and knows how to get there is a leader. A leader makes sure their group gets the resources and support they need to succeed.
Optimistic leaders inspire. While taking the effort to advise and train staff whenever there are performance gaps, they take the time to recognise employees for a job well done.
Good leaders encourage their people to be their very best in both good and difficult situations, bringing out the best in each individual.
Therefore, Option C is correct.
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An American company sold construction equipment to the government of Singapore. Instead of receiving payment in U.S. dollars, the company agreed to take payment in the form of goods. This is an example of
The scenario that's illustrated by the American company is known as countertrade.
What is countertrade?It should be noted that countertrade simply means a reciprocal form of international trade.
In this case, the goods and services are exchanged for another goods. This is illustrated by the company in this case.
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The S&P 500 stood at 1848 at the end of 2013. According to the chart, what would the approximate return be on the S&P 500 from the trough of March of 2009 to the end of 2013, ignoring dividends? 200% 100% 270% 170%
The approximate return would be 170% on the S&P 500 from the trough of March 2009 to the end of 2013, ignoring dividends. The correct option is the last one.
What are dividends?Dividends are a distribution of profits by a corporation to its shareholders. When a corporation earns a profit or surplus, it can pay a portion of the profit as a dividend to shareholders.
Any amount not distributed is taken to be re-invested in the business is called retained earnings. The current year's profit as well as the retained earnings of previous years are available for distribution.
A corporation is usually prohibited from paying a dividend out of its capital.
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calculate the rate of return on assets if net income was $70,000, total assets are $114,000, ebit was $95,000, and equity is $74,000. round to one decimal place.
The rate of return on assets can be calculated using the formula (Net Income / Total Assets) x 100 and is 61.4%.
The rate of return on assets (ROA) gauges how successfully a business turns its assets into earnings. It is determined by multiplying by 100 and dividing the net revenue by the total assets. In this instance, the total assets were $114,000, the net income was $70,000, the EBIT was $95,000, and the equity was $74,000. The rate of return on assets calculated using the formula is 61.4%.
The rate of return on assets can be calculated using the following formula:
ROA = (Net Income / Total Assets) x 100
In this case, we have:
ROA = (70,000 / 114,000) x 100
Therefore, the rate of return on assets is 61.4%.
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you manage search campaigns for a law firm that services all of california. why is location insertion a valuable feature to use?
Location insertion enables you to tailor your responsive search ad text to your customers' locations, regular locations, or locations of interest.
Location plays an enormous role in attracting and holding the most effective staff, several of whom keep a detailed eye on wherever they are based mostly so as to optimize work-life balance. sensible location choices will considerably boost a company's semipermanent performance. Poor ones will value millions in lost talent, productivity and capital.
Location insertion allow you to show a address, signal, or map marker at the side of your ad text. Facilitate users realize your locations by showing your ads along with your address, a map to your location, or the gap to your business.
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When summarizing, the primary purpose of the communication should never be directly stated.
Question 1 options:
True
False
Answer: True
Explanation: its alot to put down bye
Which of the below titles are related to employees in a KM team? A) Chief Operating Officer; Knowledge Manager B) Marketing Director; Information Architect C) Chief Knowledge Officer; Content Editor D
Chief Operating Officer; Knowledge Manager is the title that re related to employees in a KM team. Therefore the correct option is option A.
The daily administrative and operational tasks of a company are managed by the chief operating officer (COO), a senior executive. The chief operating officer (COO), who is regarded as second in the chain of command, often reports directly to the chief executive officer (CEO). In some businesses, the COO is also referred to as the "chief operations officer," "executive vice president of operations," or "operations director." Depending on the CEO's preferences, the COO frequently manages an organization's internal affairs while the CEO serves as the company's public face and thus manages all external.
Therefore the correct option is option A.
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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%
josephine's t-shirts faced a lot of complaints from customers when its recent batch of long-sleeved shirts was dispatched. the employees at josephine's t-shirts, hence, had to rework on the returned items, and in some cases, the company had to even replace the faulty goods. in this case, the costs incurred by josephine's t-shirts are an example of . a. prevention costs b. appraisal costs c. internal failure costs d. external failure costs
In a case whereby josephine's t-shirts faced a lot of complaints from customers when its recent batch of long-sleeved shirts was dispatched in this case, the costs incurred by josephine's t-shirts are an example of d. external failure costs.
What are external failure costs?External failure costs can be regarded as the costs incurred due to product failures after they have been sold to customers.
It should be noted that these costs can be the cost of legal fees related to customer lawsuits, as well as the loss of future sales from dissatisfied customers, and sometimes can be warranty costs.
Therefore, option D is correct.
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