Discuss, with mention to the value chain model, how
Information Systems (IS) solutions support value creation for
businesses.

One of the most important historical and ongoing financial practices that have led to modern racial inequities in the United States is redlining. Redlining is the practice of denying financial services, such as mortgages and insurance, to certain neighborhoods based on the racial and ethnic makeup of the area. This practice was first implemented in the 1930s and continued until the 1970s. This practice has had long-lasting effects on the economic prospects of African-Americans and other minority groups. Redlining has led to the creation of racially concentrated areas of poverty and has denied minority groups access to wealth-building opportunities such as homeownership.

Redlining has also contributed to the wealth gap between white and minority households. A study by the Institute on Assets and Social Policy found that the median white family’s wealth is 11 times greater than that of the median black family. This disparity is largely due to the fact that redlining and other discriminatory practices have prevented many minority families from accessing the same wealth-building opportunities that white families have. This has resulted in a large disparity in the amount of wealth that white and minority families have been able to accumulate over time.

Redlining and other financial practices have also contributed to the racial disparities in student loan debt. Studies have found that black and Hispanic borrowers have higher loan default rates than white borrowers, even when controlling for income. This is due to the fact that black and Hispanic borrowers are more likely to have higher interest rates and to have difficulty accessing the same types of loan opportunities as white borrowers. This has resulted in a large racial disparity in the amount of debt that black and Hispanic borrowers must take on in order to pursue higher education.

These historical and ongoing financial practices have had long-lasting effects on the economic prospects of minority groups in the United States. Redlining, the wealth gap, and disparities in student loan debt are all examples of how financial practices have contributed to the racial inequities that exist today.

Answer:

Speak with a good tone, dont be cocky or rude be polite

Do as they tell you, will they be wromg sometimes of course but to keep your superior in this case happy and keep your job do as your told.

Say yes sir and yes ma'am or no sir and no ma'am, always show respect, it helps you get respect in return and maybe even a raise one day

In the Nonaka and Takeuchi knowledge spiral model of knowledge management (KM), the transformation of knowledge occurs through a continuous cycle of interaction between tacit and explicit knowledge. The model emphasizes the conversion of tacit knowledge (personal, subjective, and hard to formalize) into explicit knowledge (codified, formalized, and easily shared) and vice versa.

By gathering insights from employees, senior managers, and other stakeholders, you can identify the specific knowledge challenges, goals, and requirements of the organization. This information can guide the selection of a KM model that aligns with the organization's needs and can effectively address its knowledge management objectives.

Here's how these types of knowledge are transformed in the knowledge spiral model:

Externalization involves the conversion of tacit knowledge into explicit knowledge through articulation, articulation, and sharing. It occurs when individuals take their tacit knowledge and express it in a form that can be understood and shared with others. For example, an employee in an organization may have a brilliant idea for improving a specific process. Through externalization, the employee articulates and expresses the tacit knowledge behind the idea by documenting it, creating diagrams or models, or sharing it in a team discussion. The idea is transformed into explicit knowledge that can be communicated and disseminated to others.

Combination involves the integration and reconfiguration of explicit knowledge. It occurs when explicit knowledge from different sources is combined to create new knowledge or insights. In the context of the example, once the employee's idea has been externalized and shared, other team members or experts can contribute their explicit knowledge by adding relevant data, research findings, or best practices to further refine and enrich the idea. This combination of explicit knowledge enhances the original idea and contributes to its development.

Internalization refers to the process of converting explicit knowledge into personal tacit knowledge. It occurs when individuals acquire explicit knowledge, internalize it, and make it their own through personal experiences and reflection. Going back to the example, as the employee receives feedback, discusses the idea with colleagues, and gains a deeper understanding of its implications, they internalize the combined explicit knowledge. They integrate it with their existing tacit knowledge and develop a deeper personal understanding, making it part of their expertise and intuitive decision-making processes.

Socialization involves the sharing and creation of tacit knowledge among individuals through direct interaction, observation, and shared experiences. It occurs when individuals learn from each other's tacit knowledge by engaging in joint activities, conversations, and collaborations. In the example, as the employee engages in discussions, seeks input from colleagues, and observes their experiences, they acquire new tacit knowledge. This socialization process allows the employee to learn from others, refine their ideas, and expand their own tacit knowledge base.

Selecting a KM model for a given organization requires considering its specific needs, goals, culture, and context. Here are some questions to ask employees, senior managers, and other stakeholders to help guide the selection process:

What resources (financial, human, technological) can be allocated to support the implementation and maintenance of a KM model?

By gathering insights from employees, senior managers, and other stakeholders, you can identify the specific knowledge challenges, goals, and requirements of the organization. This information can guide the selection of a KM model that aligns with the organization's needs and can effectively address its knowledge management objectives.

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None of the above is correct. This is because the tariffs made it more expensive to import cotton textiles from Britain and other countries.

During the antebellum period, US tariffs on imported cotton textiles had a complex effect. While the tariffs did increase profits for British textile producers, they did not necessarily decrease prices of cotton textiles in the US. In fact, the tariffs passed by the US Congress in 1824, 1828, and 1832 actually resulted in higher prices of imported cotton textiles and increased profits for US textile producers. The tariffs were also supported by the northern states, not necessarily the southern states, since the northern states had a larger industrial base. Therefore, the tariffs were not necessarily harmful to US textile producers or their employees. Tariffs are taxes levied by one nation on products and services imported from another country in order to influence it, collect money, or safeguard competitive advantages.

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This is because: Self-driving cars will be less expensive to build than current cars.

This term was coined by Joseph Schumpeter. The concept of creative destruction refers to the process of economic innovation, in which some products are replaced by others, or some firms die because they are driven out of the market by others, and so on.

When  a company produces a new good that makes the old ones already in the market obsolete, the company is said to be creatively destroying the old goods.

An classical example of creative destruction occurred when Steve Jobs introduced the Iphone in 2007.

Therefore, the emergence of self-driving cars is an example of ""creative destruction"" because self-driving cars will be less expensive to build than current cars

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Explanation:

SUB-TOTAL:

The total for a part of a list of numbers being summed.

TOTAL:

An amount obtained by addition of smaller amounts.

Answer:

subtotal is all the different parts being added together from different list.

total is the all items being added together plus tax.

Explanation:

True: Logo and website design are examples of start-up costs. Operating costs include payroll. Building improvements should be calculated into start-up costs.

Answer:in addition to being a right-to-work state, with low unionization rates (2.5%), our quality workforce is one reason why companies in automotive, machinery, and plastics industries are experiencing high job growth. Whether you are looking for engineering talent to further innovation in products or processes, or a skilled labor force to work on the plant floor, Georgia has the existing and future workforce to fulfill your hiring needs. Georgia is home to many companies with a history of innovation that has impacted their.

Consumer's right means information about the products or services to a consumer. The WHO recognized the right to education as a consumer right.

It means a consumer right to information about the products or services quality, quantity, purity, price and standard. The consumer has the right to be protected against unfair trade practices.

US President John F Kennedy in 1962 declared 15 April as World Consumer Rights Day and recognizes basic consumer rights such as right to safety; to be informed; to choose and to be heard. So option c right to education is recognized by WHO as a consumer right.

Therefore, option c right to education aptly describes the statement.

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Answer:

C. Right to education

Explanation:

Answer:

6 Factors Affecting the Supply of a Commodity (Individual Supply) |

Price of the given Commodity: ADVERTISEMENTS: ...

Prices of Other Goods: ...

Prices of Factors of Production (inputs): ...

State of Technology: ...

Government Policy (Taxation Policy): ...

Goals / Objectives of the firm:

Explanation:

Please mark as brain list

Answer:

1.  extracurricular

2. cocurricular

3. curricular

4. curricular

5. cocurricular

Explanation:

1. Daniel doing community service by cleaning up outdoor trails is an extracurricular activity because it doesn’t have nothing to do with his academics/school.

2. Debra participating in a hospital program for nursing students is cocurricular because she is practicing techniques she learned in her nursing class.

3. Rhett taking a foreign language class at his middle school is curricular because this is a class Rhett takes at school.

4. You are correct. Ernestina taking a photography class in school is curricular because this class takes place at her high school.

5. Brant joining a student organization for future teachers is cocurricular because he is studying to be a teacher.

Answer:

$46.90

Explanation:

The dividend in each year is the previous year's dividend multiplied by the growth factor, whereas the growth factor is 1 plus the expected growth rate of 10%, the EPS in each year would also be determined in a similar manner.

Note that the stock price is the present value of its dividends for 5 years as well as the price value of its year 5 share price(year 5 EPS*year 5 P/E ratio of 16)

Validation is the process of making sure the software adheres to specifications, whereas validation is the process of making sure the specification captures the customer's requirements.

Data sent between a user's web browser and a website is transmitted encrypted thanks to the Hypertext Transfer Protocol Secure (HTTPS) protocol. The protocol protects users from eavesdroppers and man-in-the-middle (MitM) attacks.

SSH, also known as Secure Shell or Secure Socket Shell, is a network protocol that provides users with a secure way to access resources, notably system administrators.

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Answer:

Clothing

Explanation:

One advantage of the delayering approach at North-West would be improved communication.

Delayering refers to the process of reducing the number of management layers within an organization, which can lead to a flatter organizational structure. By implementing this approach, North-West could experience better communication flow between employees and managers, as there are fewer hierarchical levels for information to pass through.

This can result in faster decision-making, increased collaboration, and a more efficient working environment. Furthermore, it may lead to higher employee satisfaction and engagement, as they feel more involved in the organization's decision-making process and connected to its overall goals.

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Answer:

Internal Control is a process established by the board of directors providing reasonable assurance for operations to be efficient and effective. Group of answer choices Service transition Proactive analysis Internal control Knowledge management

According to the e-waste in South Africa video case, the availaiblity of e-waste provides a business opportunity for bolunga electronic waste company to provide recycling of e-waste services.

An electronic waste refers to a discarded electrical or electronic devices. These used electronics device, which are destined for refurbishment, reuse, resale, salvage recycling through material recovery or disposal are also known as e-waste.

According to the UN’ Global e-waste Monitor report, an approximate of 360,000 tons of e-waste is generated annually in South Africa and Gauteng is responsible for about 55% of it since it is the economic center of the country.

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Answer:

spine and shoulders are affected

The spine and the shoulders of our body part are mostly affectd by the plogue pose. It stretches our body muscles.

It is a stretching exercise which keeps your body fit and flexible.

Doing stretching exercise regularly benefits the body mucles and tendons.

The plow pose is a stretching exercise where one positions his/her body upside down and keeps their feet bend over the head.

This pose affects our spine and also our shoulders.

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The four generic information system strategies for dealing with competitive forces are cost leadership, differentiation, innovation, and growth. Cost leadership involves using information systems to create efficient operations that result in lower costs and competitive pricing.

Differentiation involves using information systems to create unique products or services that stand out from competitors. Innovation involves using information systems to develop new products, services, or processes that can disrupt the market and create a competitive advantage. Growth involves using information systems to expand operations, enter new markets, or acquire competitors.

Cost leadership and differentiation are often used together to create a competitive advantage through low prices and unique products or services. Innovation is crucial in fast-paced industries where new products or services can quickly become outdated.

Growth is important for companies that want to expand their operations and increase their market share. Companies must choose the strategy that aligns with their business goals and provides the greatest competitive advantage in their industry.

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Answer:

Imagine that you are an engineer for a soda company, and you are tasked with finding the most economical shape for its aluminum cans. You are given a set of constraints: the can ust hold a volume V of liquid and be a cylindrical shape of height h and radius r, and you need to minimize the cost of the metal required to make the can.

(a) First, ignore any waste material that is discarded during the manufacturing process and just minimuze the total surface area for a given volume V. Using this constraint, show that the optimal dimensions are achieved when h = 2t.

(b) Next, take the manufacturing process into account. Materials for the cans are fut from flat sheets of metal. The cylindrical sides ar made form curved rectangles, and rectangles can be cut from sheets of metal with virtually no waste. However, when the disks of the top and bottom of the can are cut from flat sheets of metal, there is significant waste material. Assume that the disks are cut from squares with side lengths of 2r, so that one disk is cut out of each square in a grid. Show that in this case the amount of material is minimized when: h÷r = 8÷π ≈2.55 .

(c) It is far more efficient to cut the disks from a tiling of hexagons than from a tiling of squares, as the former leaves far less waste material. Show that if the disks for the lids and bases of the cans are cut from a tiling of hexagons, the optimal ratio is h ÷ r = 4√3 ÷ π ≈ 2.21 . Hint: The formula for the area of a hexagon circumscribing a circle of radius r is A = 6r ^2 ÷ √3.

(d) Look at a variety of aluminum cans of different sizes from the supermarket. Which models from problems a-c best approximate the shapes of the cans? Are the cans actually perfect cylinders? Are there other assumptions about the maufacture of the cans that we should take into account? Do a little bit of research, and write a response to answer some of these questions by comparing our models to the actual dimensions used.

Explanation:

did u get it if yes give me brilliant star

The advantage offered to Ugar by relocating their production firm is a reduction in the cost of doing business.

When Ugor relocated to the country that has a lower production cost, it means that they will spend less to produce their goods and services.

He will also spend less on transporting his goods to his customers. These reduced costs mean that his cost of doing business has reduced.

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A merchant's PCI DSS compliance can be confirmed using the PCI Report on Compliance. The PCI DSS's standards and procedures were created to increase the security of credit card-based transactions and safeguard cardholder data from fraud and other unauthorized uses of their personal data.

To protect cardholders' private information and boost the security of transactions involving credit, debit, and cash cards, the Payment credit card Industry Data Security Standard (PCI DSS) is a well-known set of rules. PCI Compliance is NOT a one-time project but an ongoing practise. Merchants (the Business Owner) are in charge of overseeing the finances of their company's activities.

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Answer:

is a term economists use for all of the resources that businesses use to purchase, rent, or hire what they need in order to produce goods or services. 

Explanation:

Adaptive immunity: Vaccines, agglutination, memory, clonal selection, the third line of defense.

Innate: acid mantle, the first line of defense, the second line of defense.

The immune system's adaptive immune system, sometimes called the acquired immune system, comprises specialized, systemic cells and processes that either destroy infections or stop their growth. The adaptive immune system, which kills invasive pathogens, is similar to the innate immune system in that it consists of both humoral immunity components and cell-mediated immunity components.

The adaptive immune system is very specialized to each unique pathogen the body has faced, in contrast to the innate immune system, which is pre-programmed to respond to common broad categories of pathogens.

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Proposal for transforming the post office into an e-business to increase revenue and decrease expenditure
The proposal aims to transform the post office into an e-business model to cut down expenditure and increase revenue.


Introduction:
The current market conditions have forced the post office to reinvent its business model. By introducing an e-business model, the post office can save on costs and increase its revenue streams. The proposal aims to transform the post office into an e-business model to cut down expenditure and increase revenue.

Objectives:
The primary objective of this proposal is to reduce the operating costs of the post office. With the advent of modern technology, the post office can cut down on its workforce, real estate, and infrastructure. This reduction in expenditure will improve the financial performance of the organization and enable it to allocate more resources for innovation and growth.

Proposal:
The proposal suggests that the post office should start providing electronic services to its customers. These services can include online bill payment, e-commerce, and other value-added services. This will allow the post office to increase its revenue streams and create a new customer base.

The post office can also leverage the power of technology to streamline its operations. The organization can use automation to reduce manual labor and increase efficiency. The post office can use cloud computing, big data analytics, and artificial intelligence to improve its customer experience and business operations.


The proposal recommends that the post office should transform its business model to an e-business model to cut down expenditure and increase revenue. The post office can provide electronic services to its customers and leverage the power of technology to streamline its operations. This will allow the post office to stay competitive in the market and improve its financial performance.

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Answer:

3.20%

Explanation:

The firm's weighted average aftertax cost of debt can be determined by first of all determining the before-tax cost of each debt.

Using a financial calculator, the before-tax costs of debt are ascertained as follows:

Bond 1:

N=8(number of semiannual coupons in 4 years)

PMT=17.70  (semiannual coupon=face value*coupon rate/2=$1,000*3.54%/2=$17.70)

PV=-1030(current price=$1000*103%=$1030)

FV=1000(the face value is $1000)

CPT

I/Y=1.37%(the semannual yield, annual yield=1.37%*2=2.74%)

after-tax cost of first debt=2.74%*(1-39%)=1.67%

Bond 2:

N=46(number of semiannual coupons in 23  years)

PMT=30.50 (semiannual coupon=face value*coupon rate/2=$1,000*6.10%/2=$30.50)

PV=-950(current price=$1000*95%=$950)

FV=1000(the face value is $1000)

CPT

I/Y=3.26%%(the semannual yield, annual yield=3.26%%*2=6.52%)

after-tax cost of second debt=6.52%*(1-39%)=3.98%

market value of first debt=$3.8 million*103%=$3,914,000

market value of second debt=$8.1 million*95%=$7,695,000

total market value of debts=$3,914,000+$7,695,000=$11,609,000

firm's weighted average aftertax cost of debt=(1.67%*$3,914,000/$11,609,000)+(3.98%*$7,695,000/$11,609,000)

firm's weighted average aftertax cost of debt=3.20%

To estimate the Sharpe ratio of a portfolio from a history of asset returns, we use the difference between the simple (arithmetic) average rate of return and the T-bill rate because the Sharpe ratio measures risk-adjusted return. Geometric averages measure rate of growth rather than returns, so the simple average is a more appropriate measure.

The Sharpe ratio indicates the ratio of the portfolio's risk premium to the portfolio's standard deviation. The risk premium, expressed as a percentage, is the return earned by the portfolio in excess of the T-bill rate.

The standard deviation is a measure of risk. It determines the range of possible outcomes from the portfolio. The larger the standard deviation, the more uncertain the expected return.

The formula for the Sharpe ratio is shown below: Sharpe Ratio = (Rp - Rf) / σp, where, Sharpe Ratio = Sharpe ratio of the portfolio, Rp = expected rate of return for the portfolio, Rf = Risk-free rateσp = standard deviation of the portfolio. The higher the Sharpe ratio, the better the portfolio is because it produces a higher return per unit of risk.

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