how might a recent college graduate's investment portfolio differ from someone who is nearing retirement?​

Answer:

The can adjust the apr basically at any time. They can adjust  it if you make late payments, defaulting on the bill not making minimum payments,  or if you exceed the credit limit... there is no annual fee for the card...

Explanation:

I hope this helps have a wonderful and a blessed day

A credit card company can adjust the APR based on changes in market interest rates, the borrower's credit score, and the credit card contract.

A credit card company can adjust the APR (Annual Percentage Rate) under certain circumstances. These circumstances include changes in the market interest rates, changes in the borrower's credit score, and changes in the terms and conditions of the credit card contract. For example, if the market interest rates increase, the credit card company may adjust the APR for all their customers. Similarly, if a borrower's credit score decreases, the company may increase the APR for that specific borrower.

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Answer: A. Identifying the decision needs to be made.

Explanation:

Identifying the decision needs to be made is the topmost step in decision making process. Decision needs may stem from organizational problems hindering the achievement of goals or vision/mission statement of the organization. Thus, this gives room for decision makers to critically look into the goal of a business enterprise. For example, an enterprise that want to increase sale would have to identify the goal of sales maximization....after which analysis towards achieving the goal can be made and rational decision is taken in that regard.

The most important phase in the decision-making process is A. Identifying the decision that needs to be taken because it directs the processes of analysis, decision-making, and effectiveness review that follow. The correct option is A.

While each stage of the decision-making process is vital, A. Identifying the decision that has to be taken is arguably the most important.

This is the basis of the entire procedure. One cannot accurately assess the circumstances, arrive at a sound judgment, or evaluate the decision's efficacy without a clear definition of the issue or choice that has to be made.

For instance, determining whether a company's financial problems are caused by excessive running costs or low sales revenue will dictate the next measures. The correct option is A.

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Answer:

Lawyers fees would probably decrease

Explanation:

Gradpoint

If the number of lawyers graduating from law school increases, Lawyers’ fees would probably decrease. Thus, option D is correct.

Lawyers advise clients on their legal rights and obligations and suggest courses of action for both business and personal matters. Lawyers are in a unique position to assist individuals, communities, and organizations with their legal needs and to promote the general welfare.

A lawyer serves as a public servant with a special responsibility for upholding the rule of law as well as a client's or a third party's representative. You won't have someone to protect you from the abuse of the law if you don't have counsel. By representing people or companies in the public and private sectors across a range of industries, lawyers play a crucial role in Indian society. Additionally, they are essential in executing laws and delivering justice.

Therefore, we can conclude that option D is correct.

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Answer:

Assumes that the sunk cost is irrelevant to the decision and should be ignored.

Explanation:

Sunk Cost is the cost or the amount of money which is already been spent and cannot be recovered. In other words, it is that cost which is spent in the business and it is unrecoverable in the near future.

As per the framework of the business constraint, it assumes that the decision makers are rational and take decisions at the margin by assuming that the sunk cost is irrelevant to the decision because it do not affect the decision made at the margin rule.

Final answer:

The budget constraint framework assumes that decision-makers carry out marginal decision-making by comparing marginal benefits and costs. It focuses on the change in satisfaction or cost with each additional unit consumed or produced, rather than sunk costs or total costs and benefits.

Explanation:

The budget constraint framework, which assumes that decision-makers are rational and make decisions at the margin, assumes that individuals and firms assess the additional benefits (marginal benefits) and the additional costs (marginal costs) of consuming or producing a little more of a good or service. This concept is an application of marginal decision-making and reflects the diminishing marginal utility principle, wherein the utility or satisfaction gained from each additional unit of a good or service decreases as more is consumed. When faced with limited resources, decision-makers use marginal analysis to determine the optimal number of goods to consume or the optimal number of hours to work, always considering the trade-offs between different choices.

Marginal analysis is often described as 'change analysis' because it focuses on how increments to consumption or production affect overall satisfaction or cost. It is a fundamental principle used throughout economics to describe how individuals and businesses make decisions that maximize utility or profits under constraints. This decision-making process ignores sunk costs, which are costs that have been incurred in the past and cannot be recovered, and looks only at future benefits and costs.

The government lowers interest rates to banks when they want to increase the supply of the money on the market and expecting that the actual economy is growing.

There is two situation in monetary policy.

Answer:

B. Budgeting for financial goals or savings last

Explanation:

While preparing a budget, someone makes mistakes. The standard errors include but not limited to-

1. leaving things (gifts, haircut);

2. Not tracking the spending category (underestimating expenses);

3. Not preparing the budget in writing (guessing the costs);

4. Budgeting for financial goals or savings last (After spending throughout the month, thinking about the savings).

Therefore, options A and C are not the correct choices. B is the right option.

Answer:

The answer is B. Spouse.

Explanation:

This is because its not A because random kids cant just come into ur house.

Its not C. Jack Russell Terrier because who the heck is this guy? WHo knows if you can trust him.

And finally, its not D. because this parent can be harmful to children. (probably why shes an EX spouse.)

Answer:

True

Explanation:

The statement is true, roles and responsibilities are very important in family business. Relatives regularly fill more than one job in the organisation so as to keep it running. Likewise, if the administration covers and family jobs and duties are uncertain to everybody, opposition or even absolute battling is bound to happen in light of the fact that the individuals included know each other well indeed.

Answer:

TRUE

Explanation:

Answer:

$2 and $0.42 per shirt.

Explanation:

Given: US factory produce 4.5 million shirts.

           Total cost of producing shirts is $9 million.

            Foreign factory produce 2500000 shirts.

            Total cost of producing shirts is $ 1050000.

As we know cost of producing 4.5 million shirts is $9 million

So, we will unitary method for finding cost of one shirt.

∴ Cost of 1 shirt produced = [tex]\frac{9}{4.5} = \$ 2\ per\ shirt[/tex]

∴Cost of producing 1 shirt by US´s textile factory is $2.

Similarly, as cost of producing 2500000 shirts by foreign factory is $1050000.

∴Cost of 1 shirt produced = [tex]\frac{1050000}{2500000} = \$ 0.42\ per\ shirt[/tex]

∴Cost of producing 1 shirt by foreign textile factory is $0.42.

The labour cost per shirt of America and foreign factory is [tex]\$ 2\ and\ \$ 0.42[/tex] respectively.

The American factory's labor cost per shirt is $2, and the foreign factory's labor cost per shirt is $0.42, indicating that labor costs per shirt are higher in the American factory. This can be attributed to differences in labor standards, wage rates, and levels of protectionism.

To compare the labor costs per shirt of the American and foreign factories, we first need to find the labor cost per shirt for each factory. In the American factory, the labor cost per shirt is calculated by dividing the total cost by the total number of shirts, i.e., $9,000,000/4,500,000 shirts = $2 per shirt. Similarly, in a foreign factory, the labor cost per shirt is $1,050,000/2,500,000 shirts = $0.42 per shirt. This indicates that the American factory has a higher labor cost per shirt compared to the foreign factory.

Such differences in labor costs can be attributed to a variety of factors, including wage rates, labor standards, working conditions, and levels of protectionism in different countries. For instance, the labor costs in countries like China, Thailand, Brazil, South Africa, and Poland are often less than the United States minimum wage, which could explain the lower labor cost per shirt in foreign factories. It's also worth noting that protectionism, the policy of protecting domestic industries against foreign competition by means of tariffs, subsidies, etc., could lead to higher labor costs.

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Answer:c

Explanation:AS THE CARS MANUFACTURER ENGAGED IN CLEARING SALES

Answer:

there will be 187, 500, 000 firms in the industry.

Explanation:

just multiply 2.50 with 75, 000,000 and get the answer.

The number of firms that will be there in the industry is 1,000.

From the given information,

The market price is $2.50

The total market quantity demanded is 75,000,000 bottles.

To find the quantity supplied, one can look at the ATC column of the cost structure table.

The ATC (average total cost) represents the cost per bottle at different levels of output.

At an output of 75,000 bottles (which is the same as the total market quantity demanded), the ATC is 2.5 (as given in the table).

Thus, the quantity supplied at the market price is 75,000 bottles.

To calculate the number of firms, one can divide the total market quantity demanded by the quantity supplied:

Number of firms = Total market quantity demanded / Quantity supplied

Number of firms = 75,000,000 / 75,000

Number of firms = 1,000

Therefore, there will be 1,000 firms in this industry.

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Assume that the most efficient production technology available for making vitamin pills has the cost structure given in the following table. Note that output is measured as the number of bottles of vitamins produced per day and that costs include a normal profit.

OUTPUT      TC                       MC ATC

25,000   1,00,000                   0.5 4.0

50,000   1,50,000               1.0 3.0

75,000   1,87,500               2.5 2.5

1,00,000   2,75,500               3.0 2.75

Suppose that the market price for a bottle of vitamins is $2.50 and that at that price the total market quantity demanded is 75,000,000 bottles. How many firms will there be in this industry?

Answer:

Branding makes your marketing more potent

Explanation:

Branding encompasses all the Marketing strategies which includes promotions,products prices, types of products and other necessary components. Branding is the identity of a company/firm. while promotions is the tactical ways of creating awareness for your products and they are contained in the marketing strategies of the company.

A company with a Good Brand i.e identity. doesn't require multiple ad times to get the same result with companies with upcoming brand.

Branding is the main key to getting very effective marketing result.

Answer:

C. Both of these( index and mutual funds)

Explanation:

Index funds and mutual funds are examples of diversified investments. In other words, there are portfolio investments. They combine stocks of different companies to form one unit of an investment basket. By purchasing one unit of a diversified portfolio, the investor buys a basket of shares with a single transaction.

Mutual funds are actively managed, whereas Index funds are passively managed. It means mutual funds have a fund manager who manually selects the stocks that will go into the portfolio. An index fund is a portfolio of securities designed to track the price movement of a financial market index. Index funds are less expensive investments than mutual funds because they do not require the services of a professional fund manager.

The principle of diversification is applied in both Mutual Funds and Index Funds, making them diversified investments. They spread risk across a variety of assets thereby reducing the impact of any single asset's performance on the overall portfolio.

Both a Mutual Fund and an Index Fund are examples of diversified investments. Diversified investments are structured in a way to spread the risk across a variety of different assets. This is achieved by using a process known as diversification, which aims to maximize returns by investing in different areas that would each react differently to the same event.

In a Mutual Fund, the fund's money is invested in a variety of different securities like stocks, bonds, and other assets. Each investor in the fund owns shares, which represent a portion of the holdings of the fund. The risk in investing in a single security is minimized because the mutual fund is diversified across several different securities.

An Index Fund mimics the portfolio of a specific index, such as the S&P 500. The index fund holds the securities in the same proportion as they exist in the index. Hence, an index fund is also deemed diversified as it represents a broad cross-section of the market.

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Answer: Characteristics Of A Great Scrum Team. ... Within Scrum self-organizing, cross-functional, and highly productive teams do the work: creating valuable releasable product increments. Scrum offers a framework that catalyzes the teams learning through discovery, collaboration and experimentation.

Explanation:

A Scrum Team is a collection of individuals working together to deliver the requested and committed product increments. To work effectively it is important for a Scrum Team that everyone within the team. follows a common goal.

Answer:

Mortgage clause insurance entitles the mortgages to make payment even when the insured have prejudiced their own rights under the terms of the policy.

Explanation:

A mortgage clause is one in which the property insurance policy states that the company of property insurance will pay out the claims to both the parties that is mortgagor (mortgage holder) and the mortgagee (mortgage lender).

It serves the purpose or objective of making sure that the parties will not suffer the losses who give mortgage loans  if something happens to the property which is mortgage is for.

Answer:

1274+9700+22010.80+638.55=33,623.35 Total

Explanation:

1300*.02=26

1300-26=$1274

10000*.03=300

10000-300=9700

22460*.02=449.20

22460-449.20=22010.80

645*.01=6.45

645-6.45=638.55

Answer:

Answer: C. 4, 1, 2, 3.

Explanation:

Answer:

$9

Explanation

From the given graph, the equilibrium price is $6

The equilibrium price refers to the price at which the demand for a product or service equals the supply of that product or service. It represents the point where there is a balance between the quantity of a product or service that consumers are willing to buy and the quantity that producers are willing to sell.

Market clearing: The equilibrium price is also known as the market-clearing price because it ensures that there is neither a surplus nor a shortage of the product or service in the market. At the equilibrium price, the quantity demanded equals the quantity supplied, leading to market stability.

From the graph at 30 units of the product and reading from the graph, the price is at $6

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Answer:

A. Loss - $27,153

B. Gain - $7,847

C. Loss - $12,153

Explanation:

Machine’s value = $(178,000+2,840+1,160)

= 182,000

Since the machine is placed on January 3, depreciation of first year will be of 363 days.

Depreciation at the end of 1st year = ((182,000-14,000)/6) × (363/365) = $27,847

Depreciation of each following Year= (182,000-14,000)/6 = $28,000

Total Depreciation at the end of fifth year= $27,847+(28,000×4) = $139,847

Therefore, Book Value of machine at the end of fifth year = $(182,000-139,847) = $42,153

REQUIREMENT - A:

Loss due to disposal of machine

= $(42,153-15,000) = $27,153

Journal entry:

Cash Dr 15,000

Loss Dr 27,153

Accumulated Depreciation Dr 139,847

Machine Cr 182,000

Loss from the sale of non-current asset is alwyas debit.

Requirement - B

Gain from the sale of machines = $(50,000-42,153) = $7,847

Journal Entry:

Cash Dr 50,000

Accumulated Depreciation Dr 139,847

Gain Cr 7,847

Machine Cr 182,000

Gain from the disposal of assets is an income, therefore it is credit. It is an other income. As the disposal occurs at a good cash value, there is a gain.

Requirement C:

Again, Book Value = $42,153,

Cash = $30,000

Loss from proceed from the sale of machine = $(42,153 - 30,000) = $12,153

Cash Dr 30,000

Loss Dr 12,153

Accumulated Depreciation Dr 139,847

Machine Cr 182,000

Loss from the sale of non-current asset is alwyas debit.

The journal entries will be different based on whether Onslow Co. makes a gain or a loss from the disposal of the machine. The factors considered include the total cost, the accumulated depreciation, the book value at the end of year 5, and the comparison of the book value with the selling price or insurance settlement.

Firstly, to calculate the depreciation, we need to understand that the cost of the machine is not just the purchase price but also the cost to bring it to its working condition which includes the cost of wiring electricity to the machine and securing it in place. So, the total cost of the machine is $178,000 + $2,840 + $1,160 = $181,000. Then using the straight-line method of depreciation, we subtract the salvage value from the cost and divide the result by the useful life of the machine. This gives us (181,000 - 14,000) / 6 = $27,833.33. This is the annual depreciation expenses.

The machine is at the end of its fifth year, so has accumulated a total depreciation of 5 * $27,833.33 = $139,166.67. Therefore, the book value at the end of year 5 is $181,000 - $139,166.67 = $41,833.33.

For situation (a), sold for $15,000, the loss on sale of machinery = book value - sale price = $41,833.33 - $15,000 = $26,833.33. (b) When sold for $50,000, there is gain on sale of machine = sale price - book value = $50,000 - $41,833.33 = $8,166.67. For (c), if the machine was destroyed in fire and insurance company pays $30,000, then the loss = book value - insurance settlement = $41,833.33 - $30,000 = $11,833.33.

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Answer:

It can help in many ways one way being they can hold or help hold events in the community.

Explanation:

Answer:

Business can support the community through corporate social responsibility. Providing social amenities that will improve the lives of those who live in the community.

Explanation:

Corporate social responsibility is mandatory in some areas around the world. Companies are held liable to the communities they operate in. By providing social amenities, it makes the live affected by their activities easier.

Answer:

A) Based on NPV, Mike will choose 2nd influencer.

B) Based on IRR, Mike will choose 2nd influencer.

Explanation:

See images to get the appropriate answer:

Answer:

Lease or contract

Explanation:

A lease is a promise to pay an owner for rent but a Contract is a Promise to pay another person.

Answer:

Promissory note

Explanation:

A promissory note is a written financial agreement to pay a specified party a certain amount of money, on-demand or at the stated date. The note is drafted by a borrower or the party that owes money to another person or an institution.  A promissory note is an acknowledgement of debt and a commitment to pay.

A promissory note must provide details of the debts owed such as the total amount, interest payable and a schedule of payments if applicable. The maker must sign the promissory note. A promissory note can be used to finance business operations from institutions or individuals other than the banks.

Promissory notes are unconditional: they do not specify a recourse should the drafter fail to honor payments.

Answer: I think it is C

Explanation:

Answer:

But what do you mean by 'the following'?

Nothing's mentioned..... :(

Explanation:

Answer:

Low-priced inventory with high turnover

Explanation:

I just did the quiz and got this right

hope this helps

Answer:

A. Psychology

Explanation:

Psychology is a science that studies the human mind and behavior. Psychologists try to explain the underlying causes of behavior and the thought process involved. Marketers, through advertising, use psychology knowledge to influence customers to buy.

When creating advertisements, marketers use psychology concepts to give the adverts a greater impact. For example, the use of emotions to persuade customers to buy. Bottled water companies have instilled fear amongst consumers by claiming tap water is unsafe for drinking.

The use of sounds and color attracts attention. Marketers use popular music to influence behavior. By the use of appealing colors, marketers draw the customers to the product.

Answer:Owner's equity is: Equal to the business’ liabilities less the business’ assets. Source

Explanation:

Answer:

The cost of ending inventory = $193,200.

Explanation:

First in First out (FIFO) inventory system refers to the system where the materials are issued when they have purchased in an orderly manner. See image below to get your answer with illustration.

Answer:

Explanation:

Start with the fact that $500 is not a huge amount amount of money. That being said, it's not zero either.

Traditionally the usual thing that was done was to put the money in a bank. If you live anywhere but the United States, that would not be a great idea. Even American Banks should be handled with care; you might just think about putting  it in a bank.  The effect would be that the bank would generate income for them and interest from them to you. The interest would be a very small part of what they take in, but it would be something. In the 1990's had an interest rate of over 20% which nothing to sneeze at. That no longer is a wise thing to do. I don't really think that banks are totally stable. So I wouldn't choose the first one.

You could buy computer equipment. I think I'd be tempted to do that. I would benefit because (if this is my first computer, I'd learn how to use it properly), and as mentioned before $500 is not a huge amount of money. I would benefit by learning a computer's virtues; the economy would benefit by creating how money gets around.

The most useless thing to do is put the money in a sock and put the sock in your closet. You don't get any benefit. The money becomes paper and you are getting nothing for it. So don't do this. It's pointless.

Answer:

5-20 percent

Explanation:

A down payment is an upfront payment made due to the purchase of a house. The down payment amount may vary, but it is usually in the named range.

Lenders usually take 20%, however, if someone buys a house or an apartment for the first time, he/she can go through with a smaller percentage for a down payment.

Usually, the more we increase the down payment percentage, interest rates become better.

A down payment is usually 20-50% percent of the asking price of the home, hence option C is correct.

This can also be called an advance payment or upfront payment, it is an amount of the total cost of a product or service a client pays.

It should be noted that until the payment is made in full, the buyer has no right over the property.

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Answer:

The correct answer is "Forgetting to check on BOB and LISA".

Explanation:

If we forget to look at the bottom of containers or receptacles (BOB) and do not look inside when a container is received (LISA) then we will be contributing to the increase in losses due to human error factors. These techniques help to prevent losses as they improve inspection and control from all aspects.

Have a nice day!

The correct answer is d) Employee theft. Shrinkage in retail refers to the loss of inventory between point of manufacture and point of sale, typically caused by various factors.

How to explain

Employee theft is a significant contributor to increased shrink. It involves dishonest employees stealing merchandise, money, or supplies, which can lead to substantial losses for retailers.

Choices a, b, and c are incorrect as they do not directly contribute to increased shrink. High customer satisfaction, increased advertising efforts, and effective inventory management are positive aspects of retail operations that do not necessarily contribute to inventory shrinkage, unlike the negative impact of employee theft on a retailer's inventory and bottom line.

Which of the following can contribute to increased shrink?

a) High customer satisfaction

b) Increased advertising efforts

c) Effective inventory management

d) Employee theft