how can financial institutions invest in high-risk assets with funding provided by low-risk liabilities from savers? g

Answer: priorities and goals

Explanation: because

The financial plan is most influenced by​ priorities and goals Option(b) is correct.

Overall utilization, a financial plan is a complete assessment of a singular's ongoing compensation and future financial state by utilizing current known factors to foresee future pay, resource values and withdrawal plans.

In business, a financial plan can allude to the three essential financial assertions monetary record, pay explanation, and income proclamation) made inside a field-tested strategy. Financial estimate or financial plan can likewise allude to a yearly projection of pay and costs for an organization, division, or division.

A financial plan can likewise be an assessment of money needs and a choice on the most proficient method to raise the money, like through getting or giving extra offers in an organization A financial plan might contain forthcoming financial explanations, which are comparative, however unique, than a financial plan. Financial plans are the whole financial bookkeeping outline of an organization. Complete financial plans contain all periods and exchange types.

Therefore Option(b) is correct.

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Answer:

B. Prioritization

Explanation:

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Answer:

Follow his lead and address him formally

Explanation:

If someone addresses you formally, that is because that person expects the conversation to be formal, or because you both are in a formal enviroment, for example, a work meeting. For this reason, the best to do in such situation is to address the other person formally as well.

Answer:

To encourage someone to do something.

Explanation:

Incentives is defined as a thing that encourages someone to do something. One negative incentive is to charge a big fine on the motorists for the high speed in the school hours so that they obey the laws strictly while on the other hand, example of positive incentive is to give rewards or gifts or medals to those who obeys the law of speed limits in the school hours.

Under the different accounting methods, the receipt of cash dividends from Akayla Corporation will affect the investor's investment account as follows:

Cost Method: Under the cost method, the investor's investment account will not be affected by the receipt of cash dividends. Instead, the dividends will be recognized as income in the period they are received.

Equity Method: Under the equity method, the investor's investment account will be reduced by the amount of the cash dividend received. This reduction will be treated as a return of investment, reducing the investor's percentage ownership in Akayla Corporation.

Fair Value Method: Under the fair value method, the investor's investment account will be unaffected by the receipt of cash dividends. Instead, the dividends will be recognized as income in the period they are received.

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Crowdsourcing is a collaborative approach to problem-solving, usually implemented online. This approach involves obtaining services or ideas from a large group of people, often via the internet. It involves engaging a group of people with different perspectives and skills to work together to come up with a solution to a problem.

In the context of problem-solving, crowdsourcing allows a group of people to contribute ideas and solutions from different perspectives and experiences, which can result in more effective and creative solutions. Online, crowdsourcing can be implemented through online platforms where people can participate and contribute from anywhere in the world.

For example, a business can use crowdsourcing to generate ideas for a new product or service. They can create an online challenge and ask people to contribute ideas and solutions. Then, the business can evaluate and select the best ideas to develop the new product or service.

In short, crowdsourcing is a collaborative approach to problem-solving that is implemented online. It allows a group of people to contribute ideas and solutions from different perspectives and experiences, which can result in more effective and creative solutions.

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Answer:

?

Explanation:

Answer:

$2191.12

Explanation:

We are asked to find the value of a bond after 10 years, if you invest $1000 in a savings bond that pays 4% interest, compounded semi-annually.

FV=C_0\times (1+r)^n, where,

C_0=\text{Initial amount},

r = Rate of return in decimal form.

n = Number of periods.

Since interest is compounded semi-annually, so 'n' will be 2 times 10 that is 20.

4\%=\frac{4}{100}=0.04

FV=\$1,000\times (1+0.04)^{20}

FV=\$1,000\times (1.04)^{20}

FV=\$1,000\times 2.1911231430334194

FV=\$2191.1231430334194

FV\approx \$2191.12

Therefore, the bond would be $2191.12 worth in 10 years.

Answer:

product screening

During product screening, a marketing manager should use such criteria as fit with the firm's other products.

This is the process which involves products being evaluated according to a certain set of criteria on whether they will be successful in the marketplace.

This is usually done by organizations so as to ensure they meet profit potential, and marketability.

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Answer:

\( \frac{250}{100} \times 100 \\ = 250 \\ \\ \frac{100}{100} \times 250 = 250 \\ the \: answers \: are \: identical\)

Answer:

A). compound interest

Explanation:

Hope that helped you :)

Answer:

Simple interest

Explanation:

I believe it's simple interest

Based on the various account balances that Birch Company has, they should report a total of $38,061 for Cash and Cash equivalents.

Cash and Cash Equivalents are the actual cash that a company holds as well as those that can readily be converted to cash.

They include:

The total of cash and cash equivalent here are:

= Cash in registers + Cash in bank + Cash in petty cash + U.S. Treasury bills

= 2,910 + 23,631 + 320 + 11,200

= $38,061

In conclusion, Birch Company has Cash and Cash Equivalents of $38,061.

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In the service culture, processes are invisible and procedures are not well defined or documented. This culture is focused on customer service, to provide the best experience.

Therefore, processes are invisible, that is, the customer is not able to identify internal processes if they are not useful, but they must perceive the service as a mystery where all their needs are promptly met.

In the service culture, this is also not well defined or documented, so as not to create standardization of the service, but a personalized service that meets the needs of each customer individually.

Therefore, in the service culture, the focus is on offering the best experience for the customer, through the creation of value, excellent service and employees capable of satisfying their needs.

The service culture is capable of generating greater competitiveness, customer loyalty and positioning for a company.

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As a result of the personality Pollyanna with face the following circumstances. Correct answers Pollyanna will be less likely to get sick when exposed to disease. She is likely to live longer. Her HPA axis shows a reduced level of activation when under stress.

Incorrect answers- She is more likely to develop PTSD at a later point in life. She is more likely to have low intelligence.

However, it is important to note that Pollyanna's sunny disposition alone may not completely protect her from the negative consequences of difficult circumstances. For example, if she is exposed to a virus or bacteria, her positive attitude may not protect her from getting sick. Similarly, if she experiences a traumatic event, her positive attitude may not fully protect her from the emotional and psychological consequences of that event.

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Full Question ;

Pollyanna has been told she has a very positive attitude. She maintains a sunny disposition even in terrible circumstances. Which of the following health consequences will she likely experience as a result of this personality trait, compared to the average person?Correct Answer(s)

She is less likely to get sick when exposed to disease.

She is likely to live longer.

Her HPA axis shows a reduced level of activation when under stress

As per the question, we need to calculate the payback period for Project A and Project B and the net present value for Project A and Project B.

We can calculate these as follows:a-1. Calculation of Payback period for Project A and Project BYear Project A Project B 0 -38,000 -38,000 1 40,000 38,000 2 10,000 9,000 3 15,000 20,000Project A Payback period = 2 + [(38,000 - 10,000) / 15,000] = 2.53 yearsProject B Payback period = 1 + [(38,000 - 38,000) / 9,000] = 1 yearb-1.

Calculation of Net Present Value (NPV) for Project A and Project BYear Project A Project B 0 -38,000 -38,000 1 40,000 38,000 2 10,000 9,000 3 15,000 20,000Cost of capital = 8%NPV of cash flows for Project A = 40,000 / (1 + 0.08) + 10,000 / (1 + 0.08)² + 15,000 / (1 + 0.08)³ - 38,000= 3,037.53NPV of cash flows for Project B = 38,000 / (1 + 0.08) + 9,000 / (1 + 0.08)² + 20,000 / (1 + 0.08)³ - 38,000= 5,054.62.

Thus, the payback period for Project A and Project B is 2.53 years and 1 year, respectively. The net present value for Project A and Project B is $3,037.53 and $5,054.62, respectively.

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The decision to use airlines that target business clientele is more like a business purchasing decision. This is because businesses usually prioritize economic benefits and practicality in their decision-making process. The airlines that cater to business clientele offer a range of benefits that are aimed at addressing the needs of business travelers such as faster check-in, frequent flyer programs, priority boarding, comfortable seats, and complimentary meals.

The decision to use airlines that target business clientele is more like a business purchasing decision. This is because businesses usually prioritize economic benefits and practicality in their decision-making process. The airlines that cater to business clientele offer a range of benefits that are aimed at addressing the needs of business travelers such as faster check-in, frequent flyer programs, priority boarding, comfortable seats, and complimentary meals.

Businesses are usually looking for the most cost-effective way to transport their employees, products, or equipment from one location to another. They may also want to choose airlines that offer discounts for group bookings, provide facilities for conferences on board, or have a network of routes that can serve their business needs.

For businesses, it is also essential to consider the convenience of their employees when traveling for work. This means that they will prefer airlines that have non-stop flights to their destination, offer flexible schedules, and provide a range of services such as Wi-Fi, in-flight entertainment, and power outlets.

Finally, businesses may also need to consider the safety record of the airlines they use. Since they are responsible for the safety of their employees, they will prefer airlines that have a good safety record and are certified by relevant aviation authorities. Overall, the decision to use airlines that target business clientele is more like a business purchasing decision.

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Answer:C

Explanation:

Answer:

The correct answer for this question is B

In Year 2 of the MikesBikes simulation, you can make new decisions in product development, marketing and distribution, production and operations, finance, human resources, competitive analysis, and market research. This allows you to optimize your business strategy and improve your performance in the market.

The new decisions are available from Year 2 of the MikesBikes simulation. In Year 2, you can expect the following new decisions:

1. Product Development: In Year 2, you can invest in product development, including creating new products or modifying existing ones. Consider aspects like design, quality, and cost to meet customer demands and stay competitive.

2. Marketing and Distribution: You can expand your marketing efforts to increase brand awareness and sales. This includes decisions on advertising, public relations, and sales promotions. In addition, you can improve your distribution channels to make your products more accessible to customers.

3. Production and Operations: You can optimize your production process to increase efficiency, reduce costs, and meet demand. This may involve decisions on capacity expansion, automation, and quality management.

4. Finance: In Year 2, you can manage your financial resources more effectively. This includes decisions on raising capital through debt or equity, managing working capital, and investing in assets or projects.

5. Human Resources: You can invest in your workforce to improve employee performance and retention. This involves decisions on recruitment, training, and compensation.

6. Competitive Analysis: You can analyze competitors' strategies, strengths, and weaknesses to make informed decisions about your own competitive position in the market.

7. Market Research: You can invest in market research to better understand customer needs and preferences, as well as potential opportunities for growth and expansion.

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D. elective requrement are courses that build knowledge and skills in a specific field

1. Prime numbers are important in cryptography because they are used to generate keys that are used in encryption and decryption.

2.Since the GCD of 150 and 175 is not 1, they are not co-prime.

3. Euler's Phi function (φ) gives the count of positive integers that are less than or equal to n and are co-prime with n.

4. The Phi function is also used in other cryptographic algorithms, such as ElGamal encryption.

5.Pseudo-code algorithm that implements the modulo function:FUNCTION modulo(a, n) // where a is the number being divided and n is the divisor WHILE a >= n a = a - n RETURN aEND FUNCTIONFor example, to find 13 mod 5: modulo(13, 5) = 3

6. . i. The formula that Alice can use to encrypt message M to E using e and N is:E = M^e mod N

ii. To select a value for e given N = 21.

1. Prime numbers are important in cryptography because they are used to generate keys that are used in encryption and decryption. Prime numbers are used in RSA (Rivest–Shamir–Adleman) algorithm, which is widely used in public-key cryptography. This is because prime numbers have unique properties, like they can only be divided by themselves and 1, which makes them suitable for generating keys that can only be used by specific parties.

2. To determine if 150 and 175 are co-prime, we need to find their greatest common divisor (GCD).

We can do this by using Euclid's algorithm:GCD(150, 175) = GCD(175, 150 % 175)

= GCD(175, 150) = GCD(25, 150 % 25)

= GCD(25, 0) = 25

Since the GCD of 150 and 175 is not 1, they are not co-prime.

3. Euler's Phi function (φ) gives the count of positive integers that are less than or equal to n and are co-prime with n.

For example, φ(10) = 4, because the only positive integers less than or equal to 10 that are co-prime with 10 are 1, 3, 7, and 9.

Applying Euler's Phi function to 10 gives:bnφ(10) = 10 * (1 - 1/2) * (1 - 1/5) = 4

4. Euler's Phi function is important in cryptography because it is used to generate keys that are used in encryption and decryption. Specifically, the RSA algorithm uses Euler's Phi function to generate the public and private keys that are used in encryption and decryption. The Phi function is also used in other cryptographic algorithms, such as ElGamal encryption.

5. Pseudo-code algorithm that implements the modulo function:FUNCTION modulo(a, n) // where a is the number being divided and n is the divisor

WHILE a >= n a = a - n

RETURN aEND FUNCTION

For example, to find 13 mod 5:modulo (13, 5) = 3

6. i. The formula that Alice can use to encrypt message M to E using e and N is:E = M^e mod Nii.

To select a value for e given N = 21, we need to find a number that is co-prime with φ(21) = 12.

One possible value for e is 5, because 5 and 12 are co-prime. Yes, this forms Bob's public key.

6. ii. Let's choose M = 7. To encrypt M using Bob's public key (N = 21, e = 5), we use the formula: E = M^e mod N = 7^5 mod 21 = 13.

Therefore, the encrypted message is E = 13.

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Answer:

Approach

Explanation:

Personal selling in the domain of finance involves the process in which customer are able to convinced about a products to buy them, it is usually utilized by sales person and it involves many steps . It should be noted that Creating a favorable impression and building trust with prospective customers is a critical part of the approach step of personal selling.

Full cost pricing focuses on cost recovery and simplicity but may ignore market demand and limit competitiveness. On the other hand, penetration pricing aims to gain market share and create product awareness but may pose profit challenges and impact perceived value.

Full cost pricing:

Advantages:

Ensures cost recovery: Full cost pricing takes into account all costs associated with producing a product or service, including both direct and indirect costs. This helps ensure that the price covers all expenses and enables the business to recover its costs.

Provides profit margin: By including a profit margin in the pricing calculation, full cost pricing allows businesses to generate profit on each unit sold.

Simplicity: Full cost pricing is a straightforward method that considers all costs, making it easy to calculate and implement.

Disadvantages:

Ignores market demand: Full cost pricing does not consider market demand or customer willingness to pay. As a result, it may lead to pricing a product or service higher than what customers are willing to pay, potentially reducing sales volume.

May lead to lower competitiveness: If competitors adopt alternative pricing strategies, such as penetration pricing, the use of full cost pricing can make a business less competitive in the market.

Limited flexibility: Full cost pricing relies heavily on accurate cost estimation. Changes in costs or market conditions may make it difficult to adjust prices accordingly.

Penetration pricing:

Advantages:

Market penetration: Penetration pricing sets a low initial price to attract customers and gain market share quickly. This strategy can help a business enter new markets or expand its customer base.

Creates product awareness: Lower prices attract customers' attention and encourage them to try a new product. This can lead to increased product awareness and word-of-mouth marketing.

Discourages competition: Aggressively low prices can discourage competitors from entering or staying in the market, creating a barrier to entry.

Disadvantages:

Profit challenges: Initially setting prices below cost may result in reduced profitability in the short term. It may take time to recover costs and achieve desired profit margins.

Perceived low value: Continuous use of penetration pricing can create a perception of low product quality or value among customers, making it challenging to increase prices in the future.

Price sensitivity: Customers may become price-sensitive and develop a habit of waiting for discounted prices. This can hinder the business's ability to increase prices once the introductory period is over.

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Complete question:

(a) With the aid of appropriate examples, explain the advantages and [10] disadvantages of the following pricing strategies: Full cost pricing ii Penetration pricing [10]

False. Physical location of the business is not a factor which should influence the type of ownership chosen.

Finding the right location entails knowing what characteristics to search for in a potential space. Analyzing your area, researching potential customer demographic trends, and take into account where competitors are situated are all critical steps in determining and selecting the best location.

Before deciding on a location, you should also consider your necessities as a business owner. If you're not running a general merchandise or restaurant-type business and thus won't need to rely on foot traffic, you should think about access for other business needs. This could include client meetings, supply deliveries, and warehouse or large storage space for your company. You're well on your way to determining the appropriate business space for you if you analyze your options and define your needs.

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The ​ ​ book​​ value  of an asset or liability is its cost carried on the balance sheet.

The book value of a company is the net distinction between that company's total resources and total liabilities, where book value mirrors the total value of a company's resources that investors of that company would get assuming the company were to be sold.

A resource's book value is identical to its conveying value on the balance sheet.

Book value is much of the time lower than a company's or alternately resource's fairly estimated worth.

Book value per share (BVPS) and the price-to-book (P/B) proportion are used in essential examination.

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Answer:

D. A checking account comes with a credit card.

Explanation:

A checking account is opened to facilitate regular bank transactions such as deposits, withdraws, cash transfers, payments, among others. There are no limits to the number of transactions that one can perform per period. Bank's fee and charges are applicable per transaction. To facilitate payments, withdrawals, and deposits, banks provide debit cards to customers.

Savings accounts are designed to help customers accumulate funds for future use. Banks limit withdrawals and offer interest payments to encourage customers to save. Savings accounts have fewer charges and don't come with debit cards.

Answer:  A combination of 1) Increased public transportation fees, 2) raise the gasoline tax, 3)  increase or institute highway tolls, or 4) reduce the road construction budget and use that money for public transportation.

Explanation:

Actions 2-4 would provide incentives to use public transportation.

Answer:

Expansionary fiscal policy involves strategy which includes tax cutting, rebates and increase spending.

Explanation:

The government budget will be modified to the tax cutting strategies to implement expansionary fiscal policies. This includes increase in spending so that less money is saved and the tax amount on the profit is minimum.

Answer:

D- Directing

Explanation:

It can't be laissez-faire because that literally makes zero sense at all. It's not democratic because that would mean that he would have had his team take a vote at some point in time, but this question says nothing about that. It is not servant leader because literally wth is that. It would have to be directing because Tony is giving his team some direction to help them keep moving forward.

Answer:

Invasion biology deals with invasive species. If an “invasive” species is defined as a species that spreads to the detriment of economic interests and public health, however, invasion biology could not be easily distinguished from pest management and public health sciences.

Explanation:

I am a spender but a wise spender. The situation in which I spent the money in described below.

A saver is a person who saves money and does not spend money when it is not necessary and irrelevant. A saver saves money and deposits it in an account where the saver receives interest income.

I purchased a Play Station 4 when it first came out because I enjoy playing games in my leisure time, and so I used to go to nearest arcade game station and play games there which was costly so I spent the money by purchasing a Play Station 4 but I spent it wisely.

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The degree of operating leverage is approximately 2.66 for Cove's bakery. By multiplying change in sales revenue (14%) by the degree of operating leverage, change in profit is around 37.24%.

a. Sales price increases by $1.60 per cake: Cove's new break-even point would decrease to approximately 322 cakes.

b. Fixed costs increase by $475 per month: Cove's new break-even point would increase to approximately 456 cakes.

c. Variable costs decrease by $0.43 per cake: Cove's new break-even point would decrease to approximately 386 cakes.

d. Sales price decreases by $0.60 per cake: Cove's new break-even point would increase to approximately 538 cakes.

The company's degree of operating leverage can be calculated by dividing the contribution margin by the net income. For Cove's, it would be approximately 2.66.

To calculate the change in profit caused by a 14 percent increase in sales revenue, we multiply the percentage change in sales revenue by the degree of operating leverage. The change in profit would be approximately 37.24%.

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