A bank makes a loan for one year. the nominal annual interest rate is 7.5%. the real rate is 4%. over the course of the year, overall prices increase by 4%. this rate of inflation hurt the _____ because the actual rate of inflation was _____ than the anticipated rate.
Answer: bank, higher
The real interest rate is 4%.
The bank's nominal interest rate is 7.5%
Since nominal interest rate is [tex]Real Rate + Expected inflation rate\\[/tex], we can find the expected inflation rate as 3.5% ([tex]7.5% - 4%[/tex].
As long as the inflation remains below 3.5%, the bank will not feel the negative impact of inflation.
If it rises more than 3.5%, the bank will be negatively impacted since the value of the loan paid back to the bank will be lesser than the loan value when it was made.
In this case, inflation at 4% was greater than the anticipated inflation.
A retail outlet has received complaints from customers that checking prices, finding out about stock, and checking out takes too long. What is one way that information systems could help this outlet address these complaints?
A. Information systems will generate more data about the stock.
B. Information systems could help automate these tasks.
C. Information systems will enable employees to help fewer customers.
D. Information systems will generate more data about prices.
The information systems could help the outlet address the issue because it can automate these complaint tasks.
The marketing information systems refers to the system where facilitate gathering, storing, analyzing of marketing data for use of managers to facilitate decision making.
The marketing information systems entails the section of internal databases, marketing intelligence and marketing research.Hence, the information systems could help the outlet address the issue because it can automate these complaint tasks.
Therefore, the Option B is correct.
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If an occupation is projected to grow by 13% over the next 10 years, how would you rate the job outlook?
A) Average
B) Steady
C) Strong
D) Weak
The job outlook for the occupation is considered strong with a projected growth rate of 13% over the next 10 years.
Explanation:The projected growth rate of 13% over the next 10 years indicates a Strong job outlook for the occupation in question. A growth rate of 13% is considered above average and indicates a positive trend in job opportunities. It suggests that there will be an increase in demand for professionals in this field. The job outlook for the occupation is considered strong with a projected growth rate of 13% over the next 10 years. A growth rate of 13% is considered above average and indicates a positive trend in job opportunities.
An organization that attempts to improve the image and working conditions of people in a particular occupation is a
the answers for the quick check are b,d,a,c,d
. Which of the following is NOT a good way to recycle used tires? A) Starting controlled fires B) Burning them with coal at very low emissions level as an energy source C) Making new tires D) Using them for road repaving material
The answer is: A) Starting controlled fires
When the tire is burned, it could release carbon monoxide, sulfur dioxide, or cyanide from its compound. This means that if you burn it, you could cause a lot of risks for the people who live in your proximity such as various lung diseases, difficulty breathing, eye infections, or even cancer since the compound is considered to be carcinogenic.
Of all global environmental problems, the one which is most serious and rapidly accelerating is the loss of
In 2009, __________ of all pedestrian fatalities were caused by impaired drivers.
In 2009, 17% of all pedestrians fatalities were caused by impaired drivers.
Janet reasons, "it is wrong to lie. however, it is okay to overstate my expense account on my recent business trip because i need the money, and my company has not given me a raise in the past year." in this scenario, janet is an employee who views ethics as _____.
What percentage of expensive bottled water is actually bottled tap water? select one:
a. 30%
b. 10%
c. 5%
d. 40%
e. 20%?
You own a jewelry store, and sales last month were $19,000. you had $3,000 in discounts and $1,750 in returns. calculate your net sales for last month.
Which type of good do people buy more of as their income rises?
People buy more of what are called normal goods, such as luxury cars, European vacations, and fine jewelry, as their income rises. Inferior goods, like generic brand groceries and used cars, see a decrease in demand as incomes increase.
The type of goods that people tend to buy more of as their income rises are known as normal goods. Examples of normal goods include luxury items such as luxury cars, European vacations, and fine jewelry. These goods are often associated with higher quality and status and thus see an increased demand as individuals have more discretionary income. On the other hand, goods that see a drop in demand as income rises are referred to as inferior goods. Such goods typically include generic brand groceries and used cars; as people earn more, they tend to prefer name brand items and new vehicles.
During a business cycle expansion, total production ________ and total employment ________. increases; increases increases; decreases decreases; decreases decreases; increases
Emma lives on a tight budget. She saves money and also makes intelligent choices when spending it. Which statements describe Emma’s financial skills? Check all that apply.
Emma is more prepared to meet her basic needs.
Emma is better prepared to avoid financial setbacks.
Emma is better able to accumulate assets.
Emma is more prepared to face emergencies.
Emma is better able to avoid financial decision-making.
Emma's careful budgeting and smart spending choices make her prepared to meet basic needs, avoid financial setbacks, and accumulate assets. The statement that Emma avoids financial decision-making is inaccurate, as being financially smart involves active and informed decision-making.
Explanation:Emma's financial skills demonstrate her ability to effectively manage her resources to meet basic needs, avoid financial setbacks and accumulate assets. These statements are all indicative of sound financial skills. However, the statement that 'Emma is better able to avoid financial decision-making' is not accurate since it fails to recognize the importance of financial decision-making in effective money management.
1. Prepared to meet basic needs: By living on a tight budget, Emma ensures she has money for her basic needs such as food, shelter and clothing.
2. Financial setbacks: By making intelligent spending choices, Emma is able to avoid obstacles that can possibly derail her financial plans.
3. Asset accumulation: Besides managing her expenses, Emma is also saving money that can be used in the long run to accumulate assets.
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Mary kay, avon, and other cosmetic manufacturers produce and market their products on a worldwide basis including countries like the united states, australia, india, and china. thus, the cosmetics industry serves as an example of __________.
Strategic plans translate tactical plans into specific goals and actions for small units of the organization and focus on the near term.
a. True
b. False
The statement is false as it incorrectly defines strategic plans. Strategic plans are long-term and broad, while tactical plans focus on the near term and involve specific actions for smaller units within an organization.
Explanation:The statement 'Strategic plans translate tactical plans into specific goals and actions for small units of the organization and focus on the near term' is false. In fact, it's the tactical plans that translate strategic plans into specific, short-term actions and goals for smaller units within an organization.
Strategic plans
are generally longer-term and involve the broader objectives and goals of an organization. They are designed to guide the overall direction and priorities of the entity. These plans consider an extended time frame and involve top-level management decisions.
Tactical plans
, on the other hand, take these strategic plans and break them down into specific, short-term projects and initiatives that can be executed by different departments or teams within the organization. They are focused on the near term and on turning the broader strategies into actionable steps.
Which economic player is most closely associated with the dual role of consumer and producer?
Question 3 options:
entrepreneur
factory owner
worker
shopper
Answer:worker
Explanation:
When computing the bank discount yield, you would use ____ days in the year?
The bank discount yield uses a 360-day year for simplification in finance. To compare investing in a discount bond or a bank account, calculate the yield to maturity and the future value with compound interest, respectively.
When computing the bank discount yield, you would use 360 days in the year. This is a convention in the financial industry for simplifying interest calculations on investments and is often used when calculating the yield on short-term money-market instruments such as Treasury bills. However, the calculation you have provided is incorrect due to a typo; it should be P(t) = P(0) * (1 + r/365)365t, which represents the balance after t years with an interest rate r, compounded daily.
The one-to-one relation between the inflation rate and the nominal interest rate, the fisher effect, assumes that the:
Information that is collected for the first time from original sources is called ________.
what is the difference between a debit card and a smart card?
Debit cards are issued to consumers by their individual banks and have magnetic stripes and chips. A unique integrated microprocessor, often known as a computer processor or a microchip, is included in a smart card.
What is a smart card?An embedded integrated circuit chip (ICC), which can be a memory chip alone, a secure microcontroller, or a similar piece of intelligence with internal memory, is what makes up a smart card. Direct physical contact or a distant contactless radio frequency interface are also options for connecting the card to a reader. Smart cards' inbuilt microcontrollers provide them with the special capacity to store a lot of data, perform on-card tasks (including encryption and mutual authentication) and communicate with smart card readers in a thoughtful way.
Smart card technology is available in a range of form factors, including plastic cards, fobs, subscriber identity modules (SIMs) used in GSM mobile phones, and USB-based tokens, and it complies with international standards. A contactless card merely has to be within close range of a reader.
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In a group discussion, David found that the group was stuck. There were multiple interpretations of the problem without a clear solution. Which leadership role should David use to ensure progress in the discussion?
A neighborhood swim club charges a one-time fee of $25 to join and $85 each month. If m is the number of months of membership and a is the total amount spent, then the variables are related by the equation a = 25 + 85 m. Which variable is the independent variable?
A. a
B. m
C. There is no relationship between the variables
What is the disadvantage for companies in using a daily budget?
A ________ corporation is an enterprise made up of entities in more than one nation, operating under a decision-making system that allows a common strategy and coherent policies.
A transnational corporation is an enterprise made up of entities in more than one nation, operating under a decision-making system that allows a common strategy and coherent policies.
What is a transnational corporation?A transnational corporation is an enterprise that is involved with the international production of goods or services, foreign investments, or income and asset management in more than one country. It sets up factories in developing countries as land and labour are cheaper there.
Transnational corporations share many qualities with multinational corporations, with the subtle difference being that multinational corporations consist of a centralized management structure, whereas transnational corporations generally are decentralized, with many bases in various countries where the corporation operates. While traditional multinational corporations are national companies with foreign subsidiaries, transnational corporations spread out their operations in many countries to sustain high levels of local responsiveness.
Transnationality also refers to the extent to which a firm engages in value-creating activities across national borders.
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Once every __________, the census bureau does a comprehensive survey of housing and residential finance. month 5 years 10 years 20 years
The Census Bureau conducts a comprehensive survey of housing and residential finance once every ten years, providing key data for policy and resource allocation.
The Census Bureau conducts a comprehensive survey of housing and residential finance once every ten years. This decennial survey forms part of the government's efforts to gather detailed data on the living conditions and financial dynamics of households across the United States. Such surveys are critical for informing policy decisions, allocating resources, and understanding demographic changes over time. In addition to this decennial survey, the Census Bureau also performs other regular surveys including monthly retail sales surveys and a detailed census of businesses every five years. These efforts combined provide valuable insights into consumer behavior, housing trends, and business dynamics.
If the coupon rate on an outstanding bond is lower than the relevant current interest rate, then the yield to maturity would be
A local restaurant has prepared a new recipe for it's lunch menu which form of nonprice competition is this?
Physical Characteristics
One way for the federal government to increase tax revenues would be to enact either a vat or a national retail sales tax. the u.s. sales tax could be collected in the same manner and at the same time as state and local sales taxes. which tax would be less costly for the federal government to implement and administer? which tax would be less likely to cause jurisdictional conflict?
A national retail sales tax could be less costly and simpler for the federal government to implement and might result in fewer jurisdictional conflicts when compared to a VAT, as it could be added to existing state and local systems.
Explanation:In terms of cost and ease of implementation for the federal government, a national retail sales tax collected in conjunction with state and local sales taxes could be less costly and complicated to administer than a Value Added Tax (VAT). This is because it could potentially utilize the existing state systems for collection, reducing the need for new infrastructure and administration. However, a VAT is often considered more efficient in terms of tax enforcement and reducing evasion, but it requires a more complex administration system.
Regarding jurisdictional conflict, a VAT might present more challenges since it is applied at each stage of production and not just at the point of retail sale, possibly causing overlap and conflicts with existing state taxes. In contrast, a national retail sales tax could be added onto the current sales tax system with fewer jurisdictional issues, particularly if it is made clear that the federal government's role is simply to collect an additional percentage at the point of sale.
It is important to note that any federal sales tax, whether a retail sales tax or VAT, would need to be carefully structured to avoid undue burden on lower-income individuals, who typically spend a higher percentage of their income on consumption and would be disproportionately affected by such taxes.
Sometimes savings accounts earn a low rate when the balance is under a certain amount, and earn higher rates when the balance is more than a certain amount. This type of interest rate is called a _____.
-interest threshold
-variable interest rate
-fixed interest rate
-changeable interest rate
Variable interest rate
Answer:
variable interest rate
Explanation:
All savings accounts work with variable interest rates since the bank can change them at will at any time. Usually savings accounts use bonus rates to entice customers to save larger amounts of money. Banks set thresholds and as customers save more money and pass those thresholds, the interest rate that they get increases.
The _____ and _____ of many two-dimensional figures can be measured.
length and the width