As the media focuses on the financial problems of the Big Three automakers (Ford, General Motors, and Chrysler) and Wall Street banking giants, small businesses seem to be the forgotten link in the financial dilemma. Saying that the recession and continuing financial crisis is hurting small businesses, is an understatement. Small businesses across the nation are in a death struggle to stay afloat as lending institutions continue to hoard cash and customers take longer to pay their bills. Intuit's survey of 751 businesses with fewer than 10 employees found that owners have average overdue customer payments of $1,500 a month. With 22 million businesses falling into this category, the overdue payments add up to a cash flow strain of $33 billion A small-business owner in Texas is a good example of small businesses with big cash flow problems. James "Hoss' Boyd owns an electrical contracting and solar energy installation firm. His products and services are in demand, so sales are great, but that doesn't help his cash flow position. A big part of his day is trying to collect his receivables (money owed his company so that he can pay what he owes to other firms. Boyd knows he isn't alone. "I got a call today from our print shop." he says. "We owe them $400 to $500 for blueprints." It was the company owner on the line making collection calls Mr. Boyd says. adding, "I would venture to say he's waiting on invoices, too." Boyd sought help from lenders for months but could only get a line of credit through his credit card company. Unfortunately, he is behind on his payments that carry a 29.99 percent interest rate. Boyd joins the multitude of small business owners hoping for an economic turnaround and some solution to the short-term lack of credit. Raymond J. Keating, chief economist with the Small Business and Entrepreneurship Council is quick to remind government policymakers that for a recovery to occur, small businesses must be invited to the party. According to Keating, some 60 to 80 percent of new jobs come from small businesses. Fifty percent of private sector gross domestic product GDP is also created by small businesses. Perhaps Hoss Bovd said it best "Were on the mend, but we have a Which one of the following is the most widely used source of short-term funding that Mr. Boyd (and other small business owners) would use to operate their business? Multiple Choice
Factoring accounts receivable
Toking out loon from a bank or other financial institutions
Trade credit
Issuing a promissory note
Borrowing funds from family friends

Answer:

Probationary period

Explanation:

A probationary period is the time before the due date.

Forbearance period is when the costumer is unable to meet or pay the loan and the property is "held back".

Grace period is the set time after a fee is due where no punishment is placed.

Default is the complete failure to ever repay the loan.

The organizational structures utilized by the majority of businesses today can be categorized into three types: functional, departmental, and matrix. Before choosing which of these forms to use for their firm, owners must weigh the benefits and drawbacks of each.

What three different organizational structures are there?

Organizational Structure Types

Functional Organization. According to this organizational structure, workers are assigned to the same departments depending on how similar their skill sets, responsibilities, and duties are. ...

Hybrid structure

divisional structure

matrix structure

A functional structure groups workers according to expertise, for as placing all accountants in the revenue or accounting department. Similar to having a marketing division for each distinct product, a divisional structure groups them across product or service lines.

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Answer

Foreign Aid

Explanation

gradpoint

Answer:

A business organization is an entity or firm that is formed to carry out commercial activities

A sole proprietorship is a business organization or entity owned by an individual only.

Population census is the official counting of a particular number of people living in a particular territory, region or country at a particular time for socio-economic, demographic, political purposes.

Answer:

The income statement and the balance sheet are two essential financial statements that help management make informed and wise decisions. The income statement shows the performance of a company over a certain period of time by providing information on revenue, expenses, and profits. This provides management with an understanding of how their business is performing, as well as any areas that need improvement. It also helps them to measure their successes and failures, gain insights into future opportunities, and decide on how to allocate their resources.

The balance sheet, on the other hand, provides a snapshot of the company's financial position at a given moment. It shows the total assets, liabilities, and equity owned by the company, allowing management to spot any upcoming cash flow problems and devise strategies to address them. It also helps management to better understand where their assets are invested, as well as their current financial assets and liabilities.

Overall, both the income statement and the balance sheet are important tools for management when making decisions. They offer an in-depth look at the financial position of a business and enable management to effectively manage their resources and plan for the future.

Answer:Your Answer would be C

Explanation:

Your Welcome :D

Based on this analysis, the best investment opportunity for Acument Global Technologies would be the one with the highest Sharpe ratio.  

To help Acument Global Technologies choose the best investment opportunity, we can use the following steps:

Calculate the expected return for each investment opportunity: This can be done by multiplying the expected annual return by the length of the investment period. For example, the expected return for an investment opportunity with an annual return of 8% and a 10-year investment period would be 80%.

Calculate the risk associated with each investment opportunity: This can be done by calculating the standard deviation of the expected returns for each investment opportunity.

Combine the expected return and risk to get a measure of the overall attractiveness of each investment opportunity: This can be done by multiplying the expected return by the square root of the risk to get the Sharpe ratio. The higher the Sharpe ratio, the more attractive the investment opportunity.

Choose the investment opportunity with the highest Sharpe ratio: This is the best investment opportunity for Acument Global Technologies.

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The rate of return on the preferred stock is 11.22%.

The rate of return on a preferred stock is calculated by dividing the annual dividend by the stock price. In this case, the preferred stock pays an annual dividend of $4.40 and sells for $39.20 a share. Therefore, the rate of return on this preferred stock is 11.22%. This means that an investor who buys this stock can expect to earn a return of 11.22% on their investment through the annual dividend payout.

Rate of return = Annual dividend / Stock price

In this case, the annual dividend is $4.40 and the stock price is $39.20, so the rate of return can be calculated as:

Rate of return = $4.40 / $39.20

Rate of return = 0.1122 or 11.22%

Therefore, the rate of return on the preferred stock is 11.22%.

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Answer:

follow different laws

Explanation:

In simple words, Shopping around is really a good idea, whether you're obtaining your first credit account or you've already established credit and want more of it. Searching widely is often the only way to locate a lenders that will cooperate with you. It's also the greatest method to obtain a decent bargain in some instances.

Different creditors have different laws, which affect their terms and conditions regarding interest rate, tenure etc.

Answer: The answer would be:

B: charge different fees.

Explanation:

Edge 2023

Hope this helps! (^_^)

Answer:

B

Explanation:

Continuous professional development gives people the chance to improve their existing abilities and fill in any knowledge gaps, giving them an advantage in situations where they might need it, like a job interview.

Thus, Option D is correct.

To support individual, school-wide, and district-wide improvements for the objective of raising student achievement, professional development aims to enhance knowledge and abilities. Federal and state mandates place a constant increase in demands on educators.

The rules and expectations for all public schools across the nation have drastically changed as a result of the federal No Child Left Behind legislation. One of the numerous modifications is the requirement that all professional development be directed on raising student accomplishment.

Therefore, professional development typically entails teachers expanding their knowledge of instructional strategies or extending their comprehension of academic content.

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Answer:

In order to make the distribution to common shareholders, each preferred share must be paid a dividend of:

$5 per share.

Explanation:

The preferred stock is non-cumulative.  This implies that XYZ's preferred stockholders are not being owed for the previous two year's dividend that was not paid.  Non-cumulative preferred stock does not attract dividend arrears whenever it was not declared.  It is cumulative preferred stock that attracts such arrears to be carried forward until they are paid.

People are often motivated by different factors. The three fundamental elements that motivate people to be fair are equality, reciprocity, and optimization.

Employee motivation strategies are known to be the various tactics and acts used and also put together to keep employees inspired, engaged, etc., in terms of their responsibilities.

They are known to be the ways of motivating employees and it often varies by workforce, work environments, work cultures, etc.

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The technologies that made global communication instant and more effective were social media, wireless devices, and smart phones.

The speed of communication made possible by technological developments has increased the social and economic interaction between countries, making the development of globalization possible.

Through instant communication through means that use the internet, it is possible for people to communicate from anywhere in the world quickly and cheaply.

Therefore, the effects of new communication technologies made possible business in other countries and the formation of multicultural environments.

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Answer: a b c

Explanation:

just took the unit

After considering all taxes, the customer's yield will be more than 4% but less than 6%.

Given that the new quotes for a 4% bond trading in the secondary market are higher than 4% which is actually a 6% basis, thus, it is expected that the customer's yield to be greater than the initial 4%. However, given that, we are looking for the customer's yield after-tax, then the net customer's yield will be less than 6%.

A state, municipality, or county may issue municipal bonds as a debt security to pay for capital projects like building roads, bridges, or schools. They can be compared to loans given to local governments by investors. Municipal bonds are particularly appealing to those in higher income tax brackets because they are frequently exempt from federal taxes and the majority of state and local taxes (for residents).

Governmental organizations can issue general obligation (GO) bonds, which are not supported by money from a particular undertaking, such a toll road. Dedicated property taxes serve as collateral for some GO bonds, while general revenues are used for others.

Principal and interest payments on a revenue bond are guaranteed by the issuer or by taxes on things like sales, petrol, hotel occupancy, or other fees. When a municipality issues bonds through a conduit, a different party pays the interest and principal.

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Answer:

D. The marginal cost is less than the marginal benefit.

Explanation:

In making decision when to produce at economies of scale businesses analyse the marginal cost and marginal benefit of a product.

Marginal cost is the dollar amount spent by a company in producing a good, while marginal benefit is on the customer side.

It is the amount of money a consumer is willing to pay for a good. This declines over time as consumption increases.

The best time for a manufacturer to produce more goods is when the amount the consumer is willing to pay (marginal benefit) is more than the cost of producing the good (marginal cost).

This scenario results in more profit for the manufacturer.

Answer:

For a contract to be valid it must contain essential features. The feature that describes an expression of interest of one party to another and a subsequent act of indication to accept the terms outlines is:

Agreement or mutual consent.

Explanation:

Mutual consent or agreement is given expression by a valid offer by one party and acceptance by the other party.  These are then backed by adequate consideration, proof of the capacity of the contracting parties, and the legality of the subject of the contract.  Without the agreement or mutual consent between the contracting parties, the contract is not enforceable, ab initio.  It is this essential element of a contract that shows that the parties are interested in entering into some binding relationships for their mutual benefits.

Conduct market research: Bishara should investigate the demand for the products she wants to import in her target market to determine if her products have a viable market.

Create a business plan: A well-thought-out business plan will assist Bishara in setting goals, determining startup costs, and projecting future income.

Obtain the necessary licences, permits, and certifications: Bishara should obtain the licenses, permits, and certifications required to import and sell products in her target market.

Connect with suppliers: Bishara should connect with suppliers in Kenya and negotiate terms for importing the products.

Consider customs and shipping costs: Bishara should investigate and budget for the costs of importing goods, such as customs fees and shipping costs.

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The net income earned is $240

The term net income refers to a company's net earnings. It is determined by subtracting total expenses from total receipts. The term total expenditure can refer to a variety of things, such as taxes, business expenditures, interest payments, fees, and depreciation. The calculation of shareholders' earnings per share is aided by net income.

1.

Dr.  Account Receivable $5,760

Dr. Service charges         $240

Cr.  Service revenue        $6,000

2.

Dr.  Cash                            $5,760

Cr.  Accounts receivable  $5,760

Working Notes

Assuming all the sales are performed on the account first Then cash is received after the issuance of the invoice.

Service revenue                      $6,000

Less: Credit card expenses    $ (240)

Net income                              $5,760

Service charges = $6,000 x 4% = $240

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An action in which a court disregards the corporate entity and holds the shareholders personally liable for corporate debts and obligations is known as "piercing the corporate veil."

The corporate veil is a legal concept that separates the shareholders of a corporation from the corporation itself, providing personal liability protection for the shareholders. This means that the shareholders are generally not personally liable for the debts and obligations of the corporation.

However, in some cases, a court may decide to "pierce the corporate veil" and hold the shareholders personally liable for the corporation's debts and obligations. This can happen if the court determines that the shareholders have acted in a way that is fraudulent or illegal, or if the corporation has been used as a "shell" to avoid paying taxes or other debts.

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Answer:

The Markowitz efficient frontier is a graphical representation of the set of optimal portfolios that provide the highest expected return for a given level of risk. The efficient frontier is derived from the mean-variance optimization model developed by Harry Markowitz in 1952.

The shape of the efficient frontier is curved rather than a straight line due to the non-linear relationship between expected returns and risk. In other words, the relationship between expected returns and risk is not proportional. As the level of risk increases, the expected return does not increase at the same rate. This is because the returns of different assets are not perfectly correlated, and diversification can reduce risk without sacrificing expected returns.

The curvature of the efficient frontier is also affected by the correlation between assets. When assets are perfectly positively correlated, the efficient frontier is a straight line. This is because the risk reduction benefits of diversification are not present when assets move in perfect lockstep. Conversely, when assets are perfectly negatively correlated, the efficient frontier is a curve that is concave to the origin. This is because the risk reduction benefits of diversification are maximized when assets move in opposite directions.

In summary, the Markowitz efficient frontier is curved rather than a straight line because of the non-linear relationship between expected returns and risk, as well as the impact of asset correlation on diversification benefits.

True. The reserve requirement is the amount of money that a bank is required to hold in reserve, which is a portion of its deposits that cannot be used for lending to borrowers.

This requirement is set by the central bank of a country and is designed to ensure that banks have enough funds to meet withdrawal demands from their customers. By maintaining reserves, banks can also help to stabilize the financial system and reduce the risk of bank runs or other financial crises.

True. The reserve requirement is the proportion of a bank's deposits that it must keep on hand and not use to create money through making loans to borrowers. This ensures the bank maintains sufficient liquidity and reduces the risk of a bank run.

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Based on the different types of compensation and their determination, the following are true:

Wages are calculated by the hour and then paid to the relevant employee sometimes in cash or by direct debit. Commissions are a percentage of sales.

Salaries are calculate monthly or weekly and include overtime. Bonuses are based on performance so people who don't perform well don't get much. Profit sharing depends on how much a company makes in a year and are distributed at the end of the year.

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Answer:

Along with leading a team, being a leader also means you are open to new ideas, perspectives, basically having an open mindset.

Three skills can include empathy, creativity, and flexibility

Explanation:

Being a good leader means being open-minded, the ability to allow for new ideas and outcomes. A leader should be able to engage in great understanding of all possibilities. Leaders are those who see things needing improvement, and who encourage others to be their best selves.

Three skills that are necessary to be a successful leader would include being able to engage in active listening. Active listening is important as it allows all members of the group to feel included, and to set a positive environment. Critical thinking is another important skill to have as a leader. Critical thinking allows for all members of a group to be encouraged to pitch in new ideas and strategies. Having strong communication skills is absolutely necessary when being positioned as a leader. Strong communication allows you and others to understand each other accurately and efficiently. Each of these skills is essential in not only daily life but in a professional setting, such as the lead role as discussed.

Words are origional, so feel free to do whatever you wish with them

Answer:

The correct answer is C.) Stock Brokerage Firms and Insurance Companies

Explanation:

Hope this helps :)

Answer:

because they cant stop spending money

Explanation:

money is money

Yes, it can be argued that the Human resources management process is much broader than just designing a personnel system.

Human resources management focuses on maintaining all executive and mortal coffers systems, while mortal coffers operation takes a more strategic approach, anticipating the requirements of the association and constantly covering and conforming all systems.

Human resource management ( HRM), also known as labor force operation, includes all conditioning of the company aimed at icing the effective use of workers to achieve individual, collaborative, and organizational pretensions. The association's HRM function focuses on the mortal side of the operation.

One of the main parallels between human resource operation  is that both consider placing the right people in the right jobs as one of the overall pretensions of people operating in the plant.

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In a trial of a new HIV infection prevention strategy, there were 40 new cases for every 1,000 person years. The appropriate measure of disease frequency that describes the bolded number is cumulative incidence.The correct answer is option C.

Cumulative incidence: It is defined as the total number of new cases of a specific disease within a certain time period and a specified population divided by the total number of individuals in that population who are at risk of developing the disease.

Cumulative incidence is also defined as the probability of getting a disease over a specified period of time.

The incidence rate: It is defined as the number of new cases per unit of person-time, such as person-years.

Point prevalence: It refers to the number of cases of a disease that are present in a population at a specific point in time.

Period prevalence: It refers to the number of cases of a disease that are present in a population during a specific period of time.

Thus, option C is the right one.

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