Fractional reserve banking contributes to _____ because banks do not keep enough cash on hand to pay off depositors if they were all to decide to withdraw their deposits at one time.
Answers
Fractional Reserve Banking contributes to financial instability because banks do not keep enough cash on hand to pay off depositors if they were all to decide to withdraw their deposits at one time.
What is Fractional Reserve Banking?
Fractional reserve banking is a banking system in which banks hold only a portion of their depositors' money in reserve and lend out the rest. Because the amount of money deposited exceeds the amount that banks are required to hold in reserve, they can use the excess funds to provide loans to other clients. This is beneficial for both the bank and the customer, as the bank earns interest on the loan while the customer receives a loan to fulfil their needs
The fact that banks only hold a fraction of depositors' money in reserve means that they do not have enough cash on hand to pay off all depositors if they were all to decide to withdraw their deposits at one time. This is the main reason why fractional reserve banking contributes to the possibility of a bank run.
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Related Questions
explain how the looting of shops and malls will affect businesses in terms of the relationship between social responsibility and Triple bottom line
Answers
Answer:
how the looting of shops and malls will affect businesses of the terms of the relationship between social responsibility and triple bottom line.
The societal marketing concept holds that ________. consumers will not buy enough of a firm's products unless the firm undertakes a large-scale selling and promotion effort a company's marketing decisions should focus on creating economic value in a way that also creates value for the surrounding environment the society will only favor products that are available and highly affordable achieving organizational goals depends on knowing the needs and wants of target markets and delivering the desired satisfactions better than competitors do
Answers
The societal marketing concept holds that a company's marketing decisions should focus on creating economic value in a way that also creates value for the surrounding environment
Let understand that "Marketing" refers to actions taken by an organization to attract customers as well as building positive relationship to encourage future patronize of the offered goods and services.
The concept of Marketing is classified into five:
Production conceptProduct conceptSelling conceptMarketing conceptSocietal marketing concept.In conclusion, the societal marketing concept emphasizes the well-being of consumer and the society and "states" that an organization must know the needs and wants of the target market and then produce them effectively in a way that satisfy the consumer and the society at large.
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Which situation is an example of direct taxation?
O A. A government charges a bank a fee on its deposits, so banks raise
rates for customers.
B. The government charges a tax on imports, which companies pass
on in the prices they charge buyers,
C. Businesses must send a portion of their income each year to the
government
D. Stores charge sales tax on each purchase and send that money to
the government
Answers
When Businesses pay a portion of their income to the government in the form of taxes, such a situation is an example of direct taxes. Therefore, (C) is the correct option.
What is Direct Taxes?Direct taxes are paid by the citizens directly to the government without any other stakeholder in between. there are majorly two types of direct taxes, corporate Tax, and Income tax.
Businesses pay corporate tax on their income, which is a form of direct tax.
Therefore, (C) is the correct option.
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you owned a stock for 7 months and earned an annualized rate of return (ear) of 18 percent. what was your rate of return for the 7-month period? a. 18 percent b. 4.25 percent c. 10.50 percent d. 5.61 percent e. 10.14 percent
Answers
The Periodic rate is the rate of interest per period.
The rate of return for the 7-month period is 10.14%.
This is option E.
Given that you owned a stock for 7 months and earned an annualized rate of return (EAR) of 18%. We have to find the rate of return for the 7-month period.
The formula for the effective annual rate (EAR) isEAR = (1 + (Periodic rate / m))m - 1
Where,m = the number of times in a year that the interest is compounded
Here,m = 12/7 (As there are 12 months in a year, and the stock is held for 7 months)
The EAR = 18%
Therefore, we can find the periodic rate as follows:
EAR = (1 + (Periodic rate / m))m - 1⇒ 0.18 = (1 + (Periodic rate / (12/7)))^12/7 - 1⇒ (Periodic rate / (12/7)) = ((1 + 0.18)^(7/12) - 1)⇒ Periodic rate = ((1.18)^(7/12) - 1) * (12/7)⇒ Periodic rate = 1.0614 * 12/7 = 1.818%
Now we can calculate the rate of return for the 7-month period using the periodic rate:
Rate of return = (1 + Periodic rate)^(7/12) - 1⇒ Rate of return = (1 + 0.01818)^(7/12) - 1⇒ Rate of return = 10.14%
Therefore, the answer is option e. 10.14%.
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if you are filing single using the standard deduction of $12,500 and have no adjustments, itemized deductions, or tax credits.
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If you are filing single using the $12,500 standard deduction and have no adjustments, itemized deductions or tax credits, your annual taxable income will be determined by subtracting the $12,500 standard deduction from your total income.
What would your tax rate look like?Assuming your total annual income is $40,000, your taxable income will be your total income minus the standard deduction, in which case it would be:
$40,000 - $12,500 = $27,500.Therefore, despite the calculation, your annual tax rate will be directly influenced by the tax ranges defined by the government in that period.
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Specialty Products Company has a high turnover rate among its employees, especially those
who are young parents. Solution to this problem
Answers
The company has to first investigate the reason why young parents are leaving the company. This is the first step towards resolving the issues of high turnover.
If it is because of the inability to care for their kids while at work, then the company can solve this problem by:
Turnover in human resources refers to the act of replacing one employee with a new employee. Termination, retirement, death, interagency transfers, and resignations are examples of separations between organizations and personnel.
Turnover in human resources refers to the act of replacing one employee with a new employee. Termination, retirement, death, interagency transfers, and resignations are examples of separations between organizations and personnel.
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what are the are the three groups of the economy
Answers
There are three main types of economies: free market, command, and mixed.
Do believe that entrepreneurs are 'born' and not 'made'? Justify your answer.
Answers
Answer:
Entrepreneurs are born and not made.
Explanation:
In order to be an entrepreneur you must have good business ethic and life skills, no one can make you have the mindset and ethic of an entrepreneur only influence on the skills you are already born with.
Help me with this please.
Answers
Answer:
its customer service and desion making
Explanation:
hope it help btw i search it up and it said that so its right
What will be the resulting change in equilibrium of the chocolate bar market
Answers
Equilibrium price will increase and quantity will decrease will be the resulting change in the equilibrium of the chocolate bar market.
The equilibrium charge is the rate at which the amount demanded equals the amount supplied. It's far decided through the intersection of the demand and deliver curves. A surplus exists if the amount of an excellent or carrier provided exceeds the amount demanded on the contemporary charge; it causes downward strain on the charge.
Equilibrium is the nation wherein market supply calls for balance every other, and as a result, costs come to be strong. Typically, an over-supply of goods or services causes expenses to move down, which results in a higher call for—while an underneath-deliver or shortage causes fees to head up resulting in less demand.
Upward shifts inside the supply and demand curves have an effect on the equilibrium rate and amount. If the deliver curve shifts upward, meaning deliver decreases however demand holds constant, the equilibrium rate will increase but the quantity falls.
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State the type of skewness for a frequency distribution whose three quartiles are 21, 18 and 20.
Answers
Answer:
Left skew
Explanation:
Given the quartiles of a distribution :
21, 18 and 20
Lower quartile, Q1 = 18
Median, Q2 = 20
Upper quartile, Q3 = 21
Representing the quartiles of the distribution as box plot, we can see that the median, Q2 is much closer to the third quartile, Q3, Than it is to the first quartile, Q1. Hence, we have a left skew or a negatively skewed distribution.
Drag each option to the correct location.
Match the scenarios to the factors that affect the labor market.
foreign direct investment
outsourcing
immigration
Answers
Each scenario should be matched to the factors that affect the labor market as follows:
Immigration: Carlos is moving from Mexico to the United States because he got a job in a bank. He had his interview last month, and the bank agreed to hire him because he was willing to work for 10% less than most American workers, even though he has the same qualifications.Foreign direct investment: A US supermarket chain is going to open a few supermarkets in Europe because a recent survey showed that the chain has a huge potential for profits in Europe.Outsourcing: A renowned US information technology firm has recently signed a contract with a company based in the Philippines. The Filipino company will handle the accounts of the US firm. The US firm made this decision to reduce labor costs.What is immigration?Immigration can be defined as the movement of a group of people from one geographical region to another geographical destination such as a city, especially in search of any of the following:
Good governanceSecurityBetter living conditions.WorkJobsSocial amenitiesWhat is a foreign direct investment?A foreign direct investment (FDI) simply refers to a type of investment which is made by an individual or business organization (investor) into an investment market that is located in another country.
In conclusion, an example of foreign direct investment (FDI) is a US supermarket chain that is planning to open a few supermarkets in a country in Europe.
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Answer:
Post Test: Free Market and Businesses
Unit: 2
Economics
Question #12
__________________________________________________________
This is 100% right because I took the test
Go to explanation for picture with answers
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Explanation:
Here's the picture and I hope this helped!
Have a nice day!
the excess of a product's selling price over its variable costs is referred to as
Answers
The excess of a product's selling price over its variable costs is referred to as the contribution margin.
The contribution margin is a financial metric that represents the difference between a product's selling price and its variable costs. It reflects the amount of revenue available to cover fixed costs and contribute to the company's profit.
Variable costs are expenses that vary in direct proportion to the production or sales volume of a product. These costs include direct materials, direct labor, and variable overhead costs. They are costs that can be directly attributed to producing or delivering a specific unit of the product.
The contribution margin is calculated by subtracting the variable costs from the selling price. It represents the portion of each sale that contributes to covering fixed costs and generating profit. The contribution margin can be expressed as a percentage or a dollar amount.
The excess of a product's selling price over its variable costs is referred to as the contribution margin. It is an important financial metric that helps businesses assess profitability and make decisions regarding pricing and cost management.
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To _____ is to modify or improve upon code.
propriate
tweak
kernel
debug
Answers
A company can charge a price of 74 dollars per unit when they sell 430 units. If the price increases by 3 dollars then the number of units that they sell drops by 7 . The revenue function for this company is as follows: R(x)=(74+3x)(430−7x) where x is the number of additional units sold beyond 430 . Use the Product Rule to find the derivative of R(x) R′(x)=
Answers
The derivative of the revenue function R(x) is R'(x) = -42x + 772.
To find the derivative of the revenue function R(x) = (74 + 3x)(430 - 7x), we can apply the Product Rule.
The Product Rule states that if we have two functions u(x) and v(x), the derivative of their product is given by:
(d/dx)(u(x) * v(x)) = u'(x) * v(x) + u(x) * v'(x)
Let's differentiate the revenue function using the Product Rule:
R(x) = (74 + 3x)(430 - 7x)
Using the Product Rule:
R'(x) = (74 + 3x)'(430 - 7x) + (74 + 3x)(430 - 7x)'
Taking the derivatives of the individual terms:
(74 + 3x)' = 3
(430 - 7x)' = -7
Substituting these values back into the equation:
R'(x) = 3(430 - 7x) + (74 + 3x)(-7)
Expanding and simplifying:
R'(x) = 1290 - 21x - 518 - 21x
Combining like terms:
R'(x) = -42x + 772
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both mortgages and auto loans
A are riskier for lenders.
B are riskier for borrowers.
C require a down payment in general.
D require minimum payments.
Answers
both mortgages and auto loans require minimum payments.
Answer:
C
Explanation:
require a down payment in general
how to calculate cost of sales and gross profit
Answers
You follow the suggestion of your cousin on which computer to buy. What category of influence is this?
50 Points/Please give a real answer only else will have to report the account.
Thank you.
Answers
The reasoning is because the suggestion was a form of advice that you were taking, and that form of adobe would fall under the advisory influence category.
Hope this helps have a nice day :)
explain one short term metaphors of finance for a start up or established small business
Answers
Answer:
Short-term finance can be defined as any financing that a borrower pays off over a shorter repayment period. More specifically, though, short-term finance refers to any loan that a business pays off in under a year
joan bought the shares at this price, and her broker charged her 1% commission. what was the total cost of her investment?
Answers
A FOF may be organised as a mutual fund, investment trust, hedge fund, or private equity business.
How would you define the term "investment"?An investments is a purchase made in the anticipation of profit or capital growth. When we use the word "appreciation," we mean a rise inside of an asset's value over time.When someone investments in a thing, they do it with the thought that they will use it to make money at a later date as opposed to using it now.
What advantages could investing provide?Investing is a wise method to put your earnings to work and has the potential to increase your wealth. Your money may gain value & exceed inflation if you make wise investment decisions. Investing has a higher potential for growth because because
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Which statement about the Federal Reserve (the Fed) is true?
O Unless a person works there, the Fed has little impact on everyday life.
O The Fed determines the criteria banks must use to evaluate loan requests.
O The Fed sets monetary policy, which affects the interest rates banks offer.
O Because it is independent, the Fed reviews and approves the national budget.
Answers
A statement that is true on the Federal Reserve is that C. The Fed sets monetary policy, which affects the interest rates banks offer.
What does the Federal Reserve do ?The American central bank is known as the Federal Reserve System (FRS). It is conceivably the most potent financial organization in the entire globe and is sometimes referred to as "the Fed." It was established to give the nation a secure, adaptable, and stable financial and monetary system.
Its primary duties include controlling the money supply, establishing interest rates, and overseeing the financial system. In times of economic crisis, it also serves as a lender of last resort, as was shown during the financial crisis of 2008.
These powers of the Federal Reserve mean that it is the one which sets the monetary policy of the United States. This monetary policy will then affect the interest rates on loans, offered by banks.
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An investor seeking to recover stock market losses from a CPA firm associated with an initial offering of securities based on an unmodified opinion on financial statements that accompanied a registration statement, must establish that:_________.
A) The audited financial statements contain a false statement or omission of material fact.
B) The CPA firm would have discovered the false statement or omission if it had exercised due care in its examination.
C) The CPA firm did not act in good faith.
D) The investor relied on the financial statements.
Answers
Answer:
A) The audited financial statements contain a false statement or omission of material fact.
Explanation:
When an investor seeking to recover stock market losses from a CPA firm associated with an initial offering of securities based on an unmodified opinion on financial statements that accompanied a registration statement, must establish that the audited financial statements contain a false statement or omission of material fact.
An unmodified opinion on financial statements can be defined as an opinion issued by an auditor stating that there are no material misstatements and this simply implies that the, the financial statement represents a true and fair perspective.
Hence, when an investor seeking to recover stock market losses from a certified public accountant (CPA) firm, he or she must establish that the audited financial statements contain a false statement or omission of material fact in accordance with the public company accounting oversight board (PCAOB).
At a recent stockholders meeting for Ignate Inc., a group of stockholders expressed disagreement with the way that the managers were using free cash flow. Because they wanted to be able to control how the cash is invested, the stockholders lobbied that the free cash flow should be:
Answers
The stockholders lobbied that the free cash flow should be distributed to them as dividends.
The Free cash flow means money that business generates from its main business activities after necessary deduction of capital expenditures.
The Free cash flow are used to make further investment to allow more cash inflow into the organization.
But here, the stockholders are expressing their disagreement with the way that the managers were using free cash flow, therefore, they prefers that dividend are paid to them rather than managers investing the Free Cash Flow.
Therefore, the Option B is correct.
The options includes "a. used to pursue cross-border acquisitions. O b. distributed to them as dividends. O C. invested in new research and development O d. used to pay down corporate debt."
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except media what else can provide job information
Answers
Answer:
see below
Explanation:
Other sources of job information are
1. Trade or professional associations
They are organizations formed by professionals in the same career path. Members frequently meet to share information regarding developments in their profession.
2. Family and friends working in different organizations
Close friends and relatives are an important source of information for vacancies existing in different workplaces.
3. Educational institutions
In some cases, employers share information on their available job opportunities with schools and colleges.
4. Career or employment agencies
Employment agencies have updated information on various labor requirements for different employers
in which of the following situations might an unintended agency be formed? a) a broker representing a seller provides a customer advice on making an offer. b) a broker representing a buyer asks the buyer if she wants to make an offer. c) a broker representing a seller asks a buyer's broker if the buyer wants to make an offer. d) a broker representing a buyer asks a seller's broker about the condition of a basement.
Answers
A broker representing a seller provides a customer advice on making an offer is the situation in which an unintended agency will be formed.
The best customer advice is to always be polite and respectful to the customer. It is also important to be patient and understand that the customer may not always be right, but they are always the customer.
As such, it is important to be polite and accommodating to customers, even if they are wrong. In addition, sellers should always be truthful about the products they are selling and should not try to mislead customers in any way.
Hence, the correct option is "A".
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A business purchases a computer for $3,000. The value of the system decreases at a rate of 15% per year. Write an exponential function to model this situation. Then determine how much the computer will be worth after 4 years.
Answers
The exponential function that represents this circumstance is:
f(x) = 3,000(0.85)x
The exponential function: what is it?Calculating the exponential growth or decay of a given collection of data is done using an exponential function, which is a mathematical function. Exponential functions, for instance, can be used to estimate population changes, loan interest rates, bacterial growth, radioactive decay, and disease spread.
The mathematical expression f(x)=exp or ex denotes the exponential function. The word, unless specifically stated differently, normally refers to the positive-valued function of a real variable, though it can be extended to the complex numbers or adapted to other mathematical objects like matrices or Lie algebras.
Based on the facts provided, the function f(x) = 3,000(0.85)x that models the value of a computer system predicts that the computer will be worth:
= f(x) = 3,000(0.85)x
= f(x) = 3,000(0.85)⁴
= 1566.02.
Consequently, in four years, the computer will be worth $1566.02.
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3. Personal exposure to the market is also known as
Answers
write a letter to your father asking for money to buy textbooks and pay for your school fees
Answers
Answer:
pay
Explanation:
Having a single intermediary, a retailer, in the marketing channel is most common when?.
Answers
Having a single intermediary, a retailer, in the marketing channel is most common when the manufacturer is selling low-cost, low-unit value items. Thus the correct option is A.
What is a Retailer?A retailer is referred to as a channel of distributors who sells the product in small quantities just the opposite of a Wholesaler. This Retailer is in direct contact with customers so they receive direct feedback about the product.
When the producer is selling low-priced, low-unit-value goods, having just one intermediary—a retailer—in the marketing channel is most common. All layers of intermediaries are crucial because they greatly increase their users' access to the goods and services that are available.
Therefore, option A is appropriate.
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What is the difference between your marginal and effective tax rates?
Answers
The two tax rates differ in the following ways: The margin is the amount you must pay on your subsequent dollar of income.
How does the effective tax rate differ?
Actual tax rate: This represents the average tax rate for a taxpayer, or the percentage of their annual income that must be allocated to paying taxes. The amount of tax that is levied on each successive level of income is known as the marginal tax rate.
How are the effective tax rate and marginal tax rate determined?
A marginal tax rate is the top tax bracket that an individual or corporation is subjected to depending on the highest income band that their earnings are classified under. By subtracting the actual income tax expense from the actual net income of the business, an effective tax rate is determined.
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