The total amount of credit that can be created is infinite, as the number of banks involved in this process goes to infinity. The heterodox economists believe that the money multiplier is not constant.
(a) The fractional-reserve banking theory states that banks can create credit by lending out a portion of their deposits. The reserve rate is the percentage of deposits that banks are required to hold in reserve. In this case, the reserve rate is 15%. This means that banks can lend out 85% of their deposits.
If the initial loan is £300,000, then the total amount of credit that can be created is:
£300,000 * (1 - 0.15) = £255,000
This is because the initial loan of £300,000 is deposited in another bank account. This bank can then lend out 85% of the deposit, which is £255,000. This £255,000 can then be deposited in another bank account, which can then lend out 85% of the deposit, and so on.
The total amount of credit that can be created is infinite, as the number of banks involved in this process goes to infinity.
(b) Heterodox economists believe that the theory of fractional-reserve banking suffers from the fact that the money supply is still exogenous. This means that the money supply is determined by the central bank, and not by the banks themselves.
The relation between the money supply and the monetary base is as follows:
Money supply = Monetary base * Money multiplier
The monetary base is the amount of money that is created by the central bank. The money multiplier is the amount of money that is created by the banks.
The heterodox economists believe that the money multiplier is not constant and that it can change depending on a number of factors, such as the confidence of the banks and the interest rates.
They argue that the central bank should focus on increasing the money multiplier, rather than on increasing the monetary base. This would allow the banks to create more credit, which would help to stimulate the economy.
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How important is money
Answer:
very important
Explanation:
money is a global income source for everyone. we all have different types but it is all still money. now say one country got rid of money and had people pay for stuff using other things. if china did that lots of different countries wouldn't be able to get stuff from there unless they had so much of that product they could just give it up.
Which of the following is not a right that the Fair Debt Collection Practices
Act (FDCPA) gives borrowers?
• A. The right to declare bankruptcy
• B. The right not to be called after 9 p.m.
• C. The right to verify the amount owed
•D. The right not to be harassed
Option (a), The Fair Debt Collection Practices Act (FDCPA) does not grant debtors the opportunity to file for bankruptcy.
What is the most frequent violation of the FDCPA?Debtor harassment by creditors: In more than 40% of all claimed FDCPA violations, calls to the debtor were made nonstop in an effort to harass them.
What two things are prohibited by the Fair Debt Collection Practices Act?The Fair Debt Collection Practices Act forbids debt collectors from making any false, dishonest, or misleading assertions in order to collect the debt. Debt collectors are forbidden from making false statements regarding, among other things, the size of the debt. Whether the restrictions period has passed.
What new FDCPA limitations exist?Clients can restrict the ways in which collectors can get in touch with them. Under the revised FDCPA, consumers continue to have the option to halt any debt collector interactions. Also, with certain limitations, you can suspend communication through a certain channel.
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Find the present value of $1000 due in eight years. Interest is
given by
An annual effective interest rate of 3% for the first 3 years,
and
an annual effective interest rate of 6% after that.
Round
To calculate the present value of $1000 due in eight years with changing interest rates, we need to discount the future value using the appropriate interest rates for each period.
In this case, the interest rate is given as 3% for the first three years and 6% thereafter. To find the present value, we can discount the future value using the formula:
PV = FV / (1 + r_1)^n_1 * (1 + r_2)^n_2
Where:
PV = Present value
FV = Future value
r_1 = Interest rate for the first period
n_1 = Number of periods for the first interest rate
r_2 = Interest rate for the second period
n_2 = Number of periods for the second interest rate
In this scenario, the future value (FV) is $1000, the first interest rate (r_1) is 3%, the number of periods for the first interest rate (n_1) is 3, the second interest rate (r_2) is 6%, and the number of periods for the second interest rate (n_2) is 5.
Using the formula, we can calculate the present value by substituting the values into the equation and evaluating it.
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which of the following factors influences demand? consumer income prices of complement goods prices of substitute goods number of consumers
Consumer income influence demand.
Income and demand for common commodities are tightly correlated, which means that as income rises, demand will follow suit and vice versa if income falls. For instance, most people consider consumer durables, technology, and leisure services to be standard goods. When it comes to inferior commodities, income and demand are inversely correlated, which means that as income rises, demand declines while income falls, and demand rises. For instance, basic items like bread and rice are frequently of lower quality. An inferior good is one whose demand decreases as wealth increases and vice versa.
In other words, the demand curve moves to the left as income rises.
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According to the law of demand, as prices increase, the quantity demanded by people .
Answer:
Quantity supplied will increase
Answer: decreases
Explanation: right on edmentum
Stephen owns a chemical plant. He is glad that his primary stakeholders are satisfied with the company's growth. However, he is concerned about pleasing the secondary stakeholders. How can he ensure the welfare of secondary stakeholders?
Answer: D. use a manufacturing process that is compliant with all state and federal regulations.
Explanation:
The options to the question are:
a. pay less taxes
b. substitute the existing labor power with machines
c. double the output of the manufacturing process by asking workers to work overtime
d. use a manufacturing process that is compliant with all state and federal regulations
e. organize picnics for employees
Since Stephen wants to ensure the welfare of secondary stakeholders, he should use a manufacturing process that is compliant with all state and federal regulations
The secondary stakeholders are the individuals or entities that the company doesn't have direct economic transactions with e.g. the government, environmental groups, media etc.
Therefore, to please the secondary stakeholders, he must abide to the necessary rules and regulations.
what is turgidity
..............
Answer:
Turgidity is the state of being swollen or turgid,
15. Why is unemployment a closely watched figure by the government?
16. Briefly explain the connection between a person’s level of education and his or her potential for employability and earnings.
Economics
An architect’s functions may include which of the following? (SELECT ALL THAT APPLY.)
-planning and designing houses, commercial buildings, and other structures
-ensuring worksite safety
-collaborating with engineers
-acting as a construction manager and supervising contractors
Answer:
the answer is planning, ensuring, and acting
An example of a job that involves working mainly with receipts and bills is a(n):
A. Pediatrician
B.Reporter
C.Bookkeeper
D. Child-care Worker
most enjoyable aspects of a fashion stylist ?
Answer:
creative, artistic, ambitious, passionate
Explanation:
Determining the needed requirements and desired requirements are both part of what project management phase? (a) planning Ob) organizing Oc) monitoring d) adjusting
(a) Planning. Determining the needed and desired requirements is an essential part of the planning phase in project management, where project managers gather information and define project objectives to establish a roadmap for successful project completion.
Determining the needed requirements and desired requirements are part of the planning phase in project management. During this phase, project managers gather information, define project objectives, and identify the specific requirements that need to be met in order to successfully complete the project. This includes identifying the essential requirements that are necessary for project success (needed requirements) as well as additional requirements that are desirable but not critical (desired requirements). By determining these requirements during the planning phase, project managers can create a roadmap for the project and establish the necessary resources and strategies to meet those requirements.
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What two cultural factors influenced the variety of Chinese lays potato chip flavors
The two cultural factors that influenced the variety of Chinese lays potato chip flavors are Regional tastes and preferences and Chinese cuisine and ingredients.
What are tastes and preferences ?Tastes and preferences refer to an individual or group's personal likes and dislikes when it comes to food, drink, or other things.
In the context of food, tastes and preferences are influenced by factors such as culture, upbringing, personal experiences, and health considerations.
The Regional tastes and preferences and Chinese cuisine and ingredients are the cultural factors that influenced the variety of Chinese lays potato chip flavors.
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What effect do communication skills have on ability to pursue
Answer:
you. dummy joking I. don't know
The mere existence of natural resources in a country does not contribute to economic progress unless some conditions prevail.state the condition
Answer:
ᴀꜱ ᴡᴀʀᴍ ᴀꜱ ꜱᴜɴ
ᴀꜱ ꜱɪʟʟʏ ᴀꜱ ꜰᴜɴ
ᴀꜱ ᴄᴏʟᴅ ❄️ ᴀꜱ ᴀ ᴛʀᴇᴇ
ᴀꜱ ꜱᴄᴀʀʏ ᴀꜱ ꜱᴇᴀ
ᴀꜱ ʜᴏᴛ ᴀꜱ ꜰɪʀᴇ
ᴀꜱ ᴄᴏʟᴅ ᴀꜱ ɪᴄᴇ
ꜱᴡᴇᴇᴛ ᴀꜱ ꜱᴜɢᴀʀ
ᴀɴᴅ ᴇᴠᴇʀʏᴛʜɪɴɢ ɴɪᴄᴇ
ᴀꜱ ᴏʟᴅ ᴀꜱ ᴛɪᴍᴇ ⌛
ᴀꜱ ꜱᴛʀᴀɪɢʜᴛ ᴀꜱ ʟɪɴᴇ ➖
ᴀꜱ ʀᴏʏᴀʟ ᴀꜱ ᴀ ᴀɴɢᴇʟ☺️
ᴀꜱ ʙᴜᴢᴢᴇᴅ ᴀꜱ ʙᴇᴇ
ᴀꜱ ꜱᴛᴇᴀʟᴛʜ ᴀꜱ ᴛɪɢᴇʀ
ꜱᴍᴏᴏᴛʜ ᴀꜱ ɢʟɪᴅᴇʀ
ᴘᴜʀᴇ ᴀꜱ ʜᴇᴀʀᴛ ❤️
ᴘᴜʀᴇ ᴀꜱ ɪ ᴡᴀɴɴᴀ ʙᴇ
Explanation:
Xxxxxxxxxda government reported the following transfers in its governmental funds statement of revenues, expenditures, and changes in fund balances: (1) a transfer from the general fund to a special revenue fund in the amount of $500,000; (2) a transfer from the general fund to an enterprise fund in the amount of $400,000; (3) a transfer from the general fund to a permanent fund in the amount of $100,000. the amount that would be shown as a transfer out in the governmental activities column in the statement of activities would be:
The amount that would be shown as a transfer out in the governmental activities column in the statement of activities would be $1,000,000.
Transfers are reported in the statement of activities in the governmental activities column, and they are classified as either operating transfers or non-operating transfers. Operating transfers are transfers that are made between funds that are similar in nature, such as transfers from the general fund to a special revenue fund. Non-operating transfers are transfers that are made between funds that are different in nature, such as transfers from the general fund to an enterprise fund.
In this case, all three transfers are operating transfers, so they would all be reported in the operating transfers section of the statement of activities. The total amount of operating transfers would be $500,000 + $400,000 + $100,000 = $1,000,000.
Therefore, the answer to the question is (1).
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If you need a lawyer for you small business, which of the following are effective resources to explore your options? A. Personal Referals B. Martindale Hubbell Law Directory C. Advertising D. A \& B only E. All of the Above (A, B, \& C)
The effective resources to explore options for finding a lawyer for a small business include personal referrals and the Martindale Hubbell Law Directory.
When searching for a lawyer for a small business, personal referrals are a valuable resource. Recommendations from trusted friends, family members, colleagues, or other business owners who have had positive experiences with a lawyer can provide insights into the lawyer's expertise, professionalism, and effectiveness. Personal referrals often come with firsthand accounts and testimonials, which can help build trust and confidence in the recommended lawyer.
The Martindale Hubbell Law Directory is also an effective resource for finding a lawyer. It is a comprehensive directory that provides information about lawyers and law firms, including their areas of practice, experience, qualifications, and client reviews. The directory allows users to search for lawyers based on specific practice areas or geographic locations, making it easier to find lawyers with relevant expertise in a specific area of law or location.
While advertising can be another avenue to explore, it may not always be the most reliable or effective resource for finding a lawyer. Advertisements can be persuasive and create a positive image, but they may not provide comprehensive information about a lawyer's reputation, experience, or client satisfaction. Relying solely on advertising may not give a complete picture of a lawyer's suitability for a small business's specific legal needs.
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A good internal control to protect cash is to make cash payments using? checks or cash petty cash checks cash
A good internal control to protect cash is to make cash payments using: checks.
What are internal controls?Internal controls can be defined as the policies, set of rules, and procedures that are implemented or put in place by a business organization, in order to achieve the following:
Protect its assets.Protect its cash.Boost efficiency.Enhance financial accountabilityEnforce adherence to company policies.Prevent fraudulent behaviors among the employees.This ultimately implies that, the main purpose of internal controls is to guarantee that both financial and material losses are eliminated, as there's an accurate and reliable accounting system.
In this context, we can infer and logically deduce that a good internal control measure to protect cash is to ensure cash payments are made by using checks.
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Implement a superclass Appointment and subclasses Onetime, Daily, and Monthly.
3. Make sure the appointment has a description (for example, "see the dentist") and occurs on one or more dates.
4. Write a method occursOn(Date d) that checks whether the appointment occurs on that date. For a monthly appointment, you must
check whether the day of the month matches.
5. Appointment class must implement Recurring interface. It contains the repeat method.
6. When the repeat method is called on a Daily appointment object, get the number of occurrences from the user and add all
continuous dates until the end date of the list of dates.
Tip: It is good practice not to have user input only in the main function and not to add it to other member functions.
7. When the repeat method is called on a Monthly appointment object, get the number of occurrences from the user and add the
same date of consecutive months until the end date of the list of dates.
8. When the repeat method is called on a Onetime appointment object, print a message that says, "One-time appointments cannot
be repeated. Sorry."
9. Add an abstract method cancelAppointment to Appointment. The subclasses must override this and empty the list of dates.
For Daily appointments, print a message that says, "Daily appointment is cancelled." Change the message accordingly for other
subclasses.
10. Use the class SchedulingAssistant as your tester/main class. Then fill an array of Appointment objects with a mixture of
appointments (Onetime, Daily, and Monthly appointments).
11. Prompt the user to enter a date and print out all appointments that occur on that date
12. Give the user the option to add new appointments. The user must specify the type of the appointment, the description, and the Iteratively ask if the user wishes to add an appointment or view appointments on a specific date until they wish to exit. Implement
this using a do-while loop.
Implement a superclass Appointment and subclasses Onetime, Daily, and Monthly, with methods for occurrence checking, repeating appointments, cancellation, and scheduling assistance.
To implement the appointment system, we create a superclass called "Appointment" and three subclasses: "Onetime," "Daily," and "Monthly." The Appointment class has a description and a list of dates. It implements the Recurring interface, which includes a "repeat" method. The "occursOn(Date d)" method checks if an appointment occurs on a specific date. For Daily appointments, the "repeat" method adds continuous dates based on user input. For Monthly appointments, it adds the same date for consecutive months. Onetime appointments display a message that they cannot be repeated
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Which sequence of HACCP principles is in the correct order?
A.
Establish critical limits for each CCP, conduct a hazard analysis, and establish corrective actions.
B.
Conduct a hazard analysis, identify CCPs, and establish critical limits for each CCP.
C.
Establish record-keeping procedures, establish corrective actions, and establish CCP monitoring requirements.
D.
Establish CCP monitoring requirements, conduct a hazard analysis, and identify CCPs.
E.
Conduct a hazard analysis, identify CCPs, and establish CCP monitoring requirements.
Answer:
B
Explanation:
Hazard analysis of critical control point (HACCP) is a process of identifying and assessing risks alongside the biological , physical and chemical hazards associated with food production .
The sequence of the first three of the seven principles are
1. Conduct hazard analysis to determine potential risks related to food protection
2. Identify the critical control point (CCP) which addresses controlling identified hazards that are mostly likely to cause injury to health
3. Establishing critical limits for each CCP , which is the highest or lowest level a biological ,physical or chemical parameter must be controlled to prevent or minimize hazards.
Answer:
B. Conduct a hazard analysis, identify CCPs, and establish critical limits for each CCP
Explanation:
When sierra thinks about Chick-fil-A, she Emily thinks about the high-quality chicken that she last ate there, served hot and fresh by fast and friendly employees. Next, she recalls the clever cows that she is used to seeing on local billboards and in stores or promote the brand. The _____________ of the Chick-fil-A brand is firmly established in her mind, based on how the brand communicates with her and ultimately provides a positive experience.
a) Targeting
b) Segmentation
c) Equity
d) Positioning
e) Loyalty
Answer:
Positioning
Explanation:
marketing is defined by the american marketing association as group of answer choices the activity, set of institutions, and processes for creating, communicating, delivering, and exchanging offerings that have value for clients, partners, and society at large the activity, set of institutions, and processes for creating, communicating, delivering, and exchanging offerings that have value for customers, clients, and partners the activity, set of institutions, and processes for creating, communicating, delivering, and exchanging offerings that have value for customers, clients, partners, and society at large the activity, and processes for creating, communicating, delivering, and exchanging offerings that have value for customers, clients, partners, and society at large
The American Marketing Association defines marketing as "the activity, set of institutions, and processes for creating, communicating, delivering, and exchanging offerings that have value for customers, clients, partners, and society at large - True.
What is marketing?Any steps a business makes to draw a target audience to its goods or services through persuasive message is referred to as marketing.
With the long-term objectives of showing product value, fostering brand loyalty, and eventually increasing sales, marketing seeks to offer standalone value for prospects and consumers through content.
Marketing's goal is to continuously study and analyze your target market.
To do this, you should hold focus groups, send out surveys, look into internet purchasing trends, and ask yourself one fundamental question:
"Where, when, and how does our customer want to engage with our business?"
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The American Marketing Association defines marketing as "the activity, set of institutions, and processes for creating, communicating, delivering, and exchanging offerings that have value for customers, clients, partners, and society at large - True.
What is marketing?Any steps a business makes to draw a target audience to its goods or services through persuasive message is referred to as marketing.
With the long-term objectives of showing product value, fostering brand loyalty, and eventually increasing sales, marketing seeks to offer standalone value for prospects and consumers through content.
Marketing's goal is to continuously study and analyze your target market.
To do this, you should hold focus groups, send out surveys, look into internet purchasing trends, and ask yourself one fundamental question:
"Where, when, and how does our customer want to engage with our business?"
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Receivables are normally reported on the balance sheet at net realizable value. In contrast, payables are carried at face value. Which accounting principle requires this treatment of payables
The accounting principle that requires payables to be carried at face value is the historical cost principle.
According to this principle, assets and liabilities should be recorded at their original cost, which in the case of payables, is the amount owed to the creditor. This is because payables represent a legal obligation to pay the creditor the full amount owed, and therefore should not be reported at a lower value than the original amount.
In contrast, receivables are reported on the balance sheet at net realizable value, which is the amount expected to be collected from the debtor after deducting any allowance for doubtful accounts. This is because receivables represent an uncertain future cash flow, and therefore need to be reported at a lower value to reflect the risk of non-payment.
Overall, the historical cost principle is an important accounting principle that helps ensure that financial statements accurately reflect the financial position of a company at a given point in time. By recording payables at face value, this principle helps provide transparency and accuracy in financial reporting.
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The interest rate charged to banks to borrow from the federal reserve is the _____
The interest rate charged to banks to borrow from the federal reserve is the discount rate.
The discount rate is known as the interest rate charged by the Federal Reserve on loans to banks. The Federal Open Market Committee consists of the Board of Governors, the President of the Federal Reserve Bank of New York, and the Presidents of five other regional Federal Reserve Banks.
The federal Funds Rate is the rate banks charge each other for lending the Federal Reserve money overnight. A country's central bank uses it in addition to other tools to promote economic stability by increasing or decreasing borrowing costs
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What can happen when a family puts too much pressure on members to behave or live in a certain way? O A. O B. O C. O D. It creates emotional stability and a harmonious vibe in the family. Family members will always choose to leave the family and never return. It creates emotional divides and harms the overall cohesiveness of the group. It allows everyone to feel important and like an active participant of the family.
When a family puts too much pressure on members to behave or live in a certain way, Option C. It creates emotional divides and harms the overall cohesiveness of the group.
This is because excessive pressure can lead to stress and anxiety, which can cause negative emotions and feelings of alienation. It can also lead to conflicts, misunderstandings, and resentment among family members, which can further damage relationships and create a toxic environment. Moreover, when family members are forced to conform to certain expectations, they may lose their sense of individuality and feel like they are not being heard or understood.
This can cause them to feel undervalued and unappreciated, leading to a sense of disconnection from the family. As a result, family members may become distant and less involved in family activities, which can further weaken the family bond. In extreme cases, family members may choose to leave the family and never return in order to escape the pressure and stress caused by their family's expectations.
Therefore, it is important for families to foster an environment of mutual respect, understanding, and support that allows each member to express themselves freely without fear of judgment or criticism. This can help create a positive and healthy family dynamic that promotes emotional stability and a harmonious vibe in the family. Therefore, the correct option is C.
The question was incomplete, Find the full content below:
What can happen when a family puts too much pressure on members to behave or live in a certain way?
A. It creates emotional stability and a harmonious vibe in the family.
B. Family members will always choose to leave the family and never return.
C. It creates emotional divides and harms the overall cohesiveness of the group.
D. It allows everyone to feel important and like an active participant in the family.
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Sharon contributed property to the newly formed QRST Partnership. The property had a $100,000 adjusted basis to Sharon and a $160,000 fair market value on the contribution date. The property was also encumbered by a $90,000 nonrecourse debt, which was transferred to the partnership on that date. Sharon is treated as a general partner. She is allocated 30% of QRST's profits and 20% of QRST's losses. Sharon's basis in the partnership interest after the formation transaction is:
Answer: $37000
Explanation:
Sharon's basis in the partnership interest after the formation transaction is calculated below:
Adjusted basis of property to Sharon = $100,000
Less: Basis in mortgage = $90000 × (100% - 30%) = $90000 × 70% = $63000
Then, Sharon's basis in the partnership interest after the formation transaction will be:
= $100000 - $63000
= $37000
What sampling procedures involve?
Sampling is the process of choosing a portion of a statistical population in order to estimate the characteristics of the entire population.
Sampling is a method or procedure for picking a subset of a population to take part in a study; it is the process of choosing a number of people so that they accurately reflect the larger group from which they were chosen.
Besides technical skill, what is the most important factor for staying employed and being offered promotions?obtaining a college degreepursuing self-directed learningshowing professional behaviorsetting long-term goals.
The key to maintaining employment and receiving promotions is to pursue self-directed learning. The best choice is B.
Technical skill: what is it?Technical skills are the specialized knowledge and expertise required in specific contexts to carry out specific activities and utilise particular equipment and programs.
Diverse technical abilities are required in practically every sector and industry, from information technology and corporate administration to health care and education.
When you ask for feedback on your abilities and use it to inform your improvement, this is essentially consistent improvement.This is the most crucial factor for maintaining employment and receiving promotions because the market, particularly TI, is constantly changing and we are never finished products. By pursuing self-directed learning, we keep the lead.
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Which best describes the business, management, and administration career cluster?
Answer:
are careers that are focused on running businesses.
Explanation:
The Business, Management, and Administration career cluster includes business skills essential to efficient, productive operations for any company (Administrative and information support, Business analysis, Business, financial management and accounting, Human resources, Management..) The Business, Management, and Administration career cluster is best described with the following: These are careers that are focused on running businesses.
Correct answer: A
The government claimed that, to illegally control the market, Microsoft used
a. predatory pricing and mergers.
b. predatory pricing and buying out competitors.
c. predatory pricing and forming a cartel.
d. predatory pricing and requiring customers to buy other products.
Answer:
B. Predatory pricing and buying out competitors