suppose that you win a $1,000 scholarship competition, and spend $600 of that amount right away on books and food, and save $400 for use in the following semester. what is your marginal propensity to consume?

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Answer 1

Marginal propensity to consume is 0.6.

Marginal propensity to consume (MPC) is the percentage of additional income that an individual spends rather than saves. It is the percentage of an overall salary increase that a customer spends on the purchase of goods and services.

MPC = Change in consumption ÷ Change in income

In this ques, it is given that the total income is $1000 out of which $600 is being spent and $400 is being saved.

Change in consumption = difference between current consumption and previous consumption.

Change in income = difference between current income and previous income.

In this ques, previous income and consumption are not given, thus, it is assumed to be 0.

Thus, change in consumption = $600 - $0 = $600

Change in income = $1000-0 = $1000

Thus,

MPC = Change in consumption ÷ Change in income

= 600 ÷ 1000

= 6 ÷10

= 0.6

Thus, Marginal propensity to consume is 0.6.

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some companies expand successful retail businesses by entering into contracts that give others the right to operate businesses with the same name and format. this is called blank . multiple choice question. franchising co-branding licensing an administered vertical marketing system

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some companies expand successful retail businesses by entering into contracts that give others the right to operate businesses with the same name and format. this is called franchising.

Franchising is a marketing concept that a company can employ as a plan for business growth. The term "franchise" refers to a method of marketing products or services in which a franchisor develops the brand's trade name and business model and a franchisee pays a royalty and frequently an upfront fee to obtain the right to use the franchisor's name and system.

Through franchising, people can own, manage, and oversee their own businesses without having to take on all of the associated risks. This feature allowed many people to launch their own businesses who would not have been able to do it otherwise.

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the following lots of a particular commodity were available for sale during the year: beginning inventory 10 units at $55 first purchase 25 units at $65 second purchase 30 units at $68 third purchase 15 units at $70 the firm uses the periodic system and there are 25 units of the commodity on hand at the end of the year. what is the amount of the inventory at the end of the year using the lifo method?

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At the end of the year, there is $1,645 in inventory. Using the average cost approach, the value of the inventory was determined.

The average cost method is what?

The average cost technique of inventory valuation is used to determine the worth of inventories based on those costs. Calculating the average cost is done as follows:

Given:

Average cost = Total cost /Number of units

10 pieces for $55 are in the initial inventory.

Initial investment is 25 units at $65

Purchase number two is 30 units for $68.

The third acquisition is 15 units for $70.

25 units of the commodity are currently in stock.

The attachment calculates the total cost and inventory amount.

We'll figure out the typical price.

This is how the average price will be determined:

Cost on average $5,265 80

Cost on average is $65.8125.

As a result, the closing inventory value will be:

Inventory closing = 25 x $65.8125

Inventory closing = $1,645.31

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while change using the methods of organization transformation may be described as being , change using organization development may be described as being

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While change via organizational transformation techniques may be described as revolutionary, change using organizational development may be regarded as being evolutionary.

What is organizational development?

Organizations can improve their capacity for change adaptation and boost their effectiveness by developing, upgrading, and combining strategies, structures, and processes. It is thought that this process is organizational development.

This definition has a few components that strike up.

Process that is both critical and scientific. OD is a methodical, evidence-based practice. It's doesn't  involve experimenting and observing. Increase your ability to adapt and your effectiveness. Effectiveness and efficiency in an organization is the goal of organizational development. As a result, it has a variety of (business) results. These can vary depending on the company, but typically include things like financial success, customer happiness, member participation in the organization, and an improved ability to adapt and renew the organization. Creating, enhancing, and consolidating plans, arrangements, and procedures.

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a bank has tier i capital of $90 million and tier ii capital of $70 million. the bank has total assets of $2,522 million and risk-weighted assets of 2,017.6 million. this bank is

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Under-capitalized.

The highest quality capital available to a bank is called Tier I capital, which is mostly made up of share capital and stated reserves. On the other hand, some reserves and specific subordinated debt types make up Tier II capital.

What do banks' Tier I capital and Tier II capital mean?The highest quality capital available to a bank is called Tier I capital, which is mostly made up of share capital and stated reserves. On the other hand, some reserves and specific subordinated debt types make up Tier II capital.A bank must maintain a capital reserve ratio of 8%. For Tier 1 capital, it is currently set at 6%, and for Tier 2 capital, the remaining 2%. The typical method for calculating a bank's capital ratio is to divide its capital by all of its risk-based assets.To arrive at the total risk-weighted assets, the risk weighting is a percentage that is applied to the relevant loans. Divide a bank's Tier 1 capital ratio by its Tier 1 capital.  

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What is promotion?
A.
It is the method of demonstrating how marketing mix can be implemented in a business.
B.
It is the method of communicating the process of buying a product.
C.
It is the method of creating awareness about a product amongst the people.
D.
It is the method of informing customers about the functions of marketing.

Answers

Answer: It is the method of creating awareness about a product amongst the people.

Explanation:

what is a reason a company would want its own warehouse? multiple choice to fulfill its large warehousing needs internationally to provide customers with more control over their goods to avoid the special handling of goods that public warehouses provide to avoid having total control over distribution to avoid paying high fixed costs for public warehouse maintenance

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A reason that a company might want to own a warehouse is to provide customers with more control over their goods.

We can describe a warehouse as a large place where goods can be stored. If a company has a warehouse, then this means that it can store extra products in the warehouse and provide them to customers whenever needed.

A warehouse can increase the sales of a company as increased products mean increased sales. A warehouse helps in the management of sales chain development.

A warehouse means that the customers can have a grip of their goods and can store their products.

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a rightward shift of the market demand curve for mp3 players, ceteris paribus, causes equilibrium group of answer choices price to decrease and equilibrium quantity to decrease. price to increase and equilibrium quantity to decrease. price to decrease and equilibrium quantity to increase. price to increase and equilibrium quantity to increase.

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A rightward shift of the market demand curve for mp3 players, ceteris paribus, causes equilibrium price to increase and equilibrium quantity to increase.

   When a demand factor other than price changes, the demand curve will alter. It happens when the supply of goods and services increases or decreases despite no change in price.

reasons of a commodity's demand curve shifting to the right include:

Rise in consumer incomes: When consumer incomes rise, demand for regular items typically rises at the same price. As a result, the commodity's demand curve changes to the right, indicating an increase in demand.

Price increase for a substitute product: When an item's price goes up, demand for the substitute good increases at the new price. As a result, the good's demand curve shifts to the right, indicating an increase in demand.

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a guilderian trader buys a 150 flop barrel of florish pickles by exchanging 15 gulps, and a florish trader buys a 8 gulp crate of guilderian apples by exchanging 80 flops. then the gulp appreciates to 25 flops per gulp. what price must the guilderian pay for the same 150 flop barrel of pickles? gulps how much must the florish trader pay for the same 8 gulp crate of apples? flops

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The guilderian would need to pay 375 flops for the 150 flop barrel of pickles. The florish trader would need to pay 200 flops for the 8 gulp crate of apples.

What is trader?
A trader is an individual who buys and sells financial instruments such as stocks, bonds, commodities, and currencies. The function is comparable to that of a brokerage, except that traders normally operate on their own behalf, whereas brokers act on behalf of their clients.

Traders are the most obvious human emblems of the capital markets, particularly those who operate on the increasingly scarce face-to-face trading floors. No market turbulence news item is complete without images of traders gesticulating furiously or looking at computer screens.

The primary distinction between traders is the length of time they retain their possessions. Traders tend to profit from short trends and price swings, whilst investors are recognised for keeping their investments for a lengthier length of time.

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Conducting research about an occupation, company, or job can increase your employability by up to _____. a. 5% b. 15% c. 25% d. 35% please select the best answer from the choices provided a b c d

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Conducting research about a company, job, or occupation can increase your employability by up to 25%. Thus, the correct answer option is (c) 25%.

Whenever you apply for a job in a company, you should always first conduct research about the company you want to work for and the job you are applying for. This is because it makes you well aware of the company’s history, vision, mission, marketing strategies, and products offered. In turn, that shows your possible interviewer your interest in the job that you would really like to have it.

The information you obtain through research can benefit you in getting the job, as it enables you to give your best possible impression in the interview.  

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a mutual fund has a net asset value (nav) of $7.80 per share, and the fund pays its underwriter a concession of $0.12 per share. if the fund has a sales load of $0.50 per share and an administrative fee of $0.15 per share, how much does the investor pay per share to purchase a class a share of this fund?

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The correct answer was 8.3. The investor pays the public offering price (POP) when purchasing mutual fund shares. For a Class A share upon purchase, the POP is the NAV plus the sales charge.

What is public offering price (POP) ?

The price at which fresh issues of stock are made available to the public by an underwriter is known as the public offering price (POP). Underwriters must choose a public offering price that will appeal to investors because the primary objective of an initial public offering (IPO) is to raise capital. The soundness of the company's financial accounts, its level of profitability, prevailing trends in the marketplace, growth rates, and even investor confidence are all taken into account by underwriters when determining the public offering price.

The correct answer to the percent the investor pay per share to purchase a class a share of this fund was 8.3.

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Manufacturing automation and office automation are examples of ______ that are forces for change outside the organization.

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A manufacturing automation and office automation are examples of technological advancement that are forces for change outside the organization.

What is an External forces in business?

In a typical organization, the external factors are the aspects outside the company that affect its main operations, strategy, and success. Most businesses cannot control these external factors, however, their response to its can affects business outcomes.

These external forces are categorized as follows which includes Political, Economic, Social, Technological, Environmental, Legal etc. So a technological advancement is an example of a forces for change that lies outside the organization.

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the marketing department at kroger is using software to measure and interpret the effectiveness of a new promotional campaign it launched on sustainable seafood. it wants to evaluate the return on investment of the campaign and make changes to the campaign if needed. which tool is kroger most likely using?

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The marketing decision support system tool is Kroger's most likely used.

A marketing decision support system, regularly abbreviated as MKDSS, is a gadget that facilitates you to attain a decision primarily based in your organization's advertising goals.

Advertising and marketing are complex, so anything which could streamline your efforts and provide you with an assisting hand is worthy of consideration.

Using this approach, it's far possible to predict with a high-quality deal of reliability what would appear if a selected situation has been chosen and pursued.

One main advantage of a marketing choice aid gadget is the ability to mission the outcomes of diverse situations earlier than making a real investment.

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which meeting format would a meeting planner set up a room if the delegates needed to take notes, use notebooks, and conduct a workshop type of meeting?

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The meeting planner would set up the room in a workshop format.

What is meeting planner?

A meeting planner directs and manages the strategic, operational, and logistical operations associated with event production. Corporations, associations, governments, and other organisations can hire the planner on an as-needed basis. Although the United States Department of Labor and Employment and Training Administration's Occupational Information Network  defined this occupation as "meeting and convention planner," alternative titles are more widely used. Event planner, meeting planner, and meeting manager are examples of these titles. In addition, titles relevant to the types of events produced, such as business planner and party planner, are utilised.

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because of the poor publicity at a fellow franchise location, you notice that sales at your location have decreased. the impact of the poor publicity on your company is referred to as

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A franchise (or franchising) is a technique of selling goods or services that involves a franchisor who creates the brand's trade name and business model and a franchisee who pays a royalty and frequently an upfront fee to have the right to use the franchisor's name and system.

When your lucrative franchise collapses outright?Getting managerial and marketing know-how from the franchisor is one of the benefits of a franchise. The coattail effect is what happens when your profitable franchise falls merely as a result of other franchisees failing.Being undercapitalized is one of the main reasons why a franchisee fails. A slow start-up or the franchise operation needing more working capital than what was declared in the franchise disclosure agreement can both contribute to a lack of adequate working capital.In the event that a franchisor goes bankrupt or fails in some other way, a franchisee often has no rights under a franchise agreement. In most cases, only the franchisor has the authority to end the franchise agreement if the franchisee experiences financial difficulties such as insolvency or bankruptcy.The ideal solution for a franchise that is struggling is frequently for the franchisee to sell the company to a third party who then takes over as the new franchisee for that region. Due to this, the failed franchisee may end its compliance with the terms of the franchise agreement and any lease.

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concerning sources of agency revenues, the following apply select one: a. most of the revenue comes from a combination of car rentals and cruises b. cruises and tours produce the best commissions c. airlines are no longer a source of revenue d. hotel, rail, car rentals and cruises predominate e. none of the above is correct

Answers

The best commissions come from tours and cruises.

The ideal answer is B.

What are the sources for the travel company?

The commissions that a retail travel agency receives from the suppliers are its principal source of income. The rate of commission varies, though, depending on the organization and the specific travel component.

Who built the earliest roads the best?

The Romans were the most meticulous road builders in antiquity, and they were acutely aware of... Roman roads stand out for their precision, sturdy construction, cambered surfaces that aid in drainage, and use of concrete manufactured from pozzolana (volcanic ash) and lime.

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if werner company's variable expenses are 55% of sales, and at a $400,000 sales level, the degree of operating leverage is 5. if sales increase by $30,000, the new degree of operating leverage will be (rounded):

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The new degree of operating leverage will be 3.91.

What is leverage?Using borrowed money (debt) to finance an asset acquisition  in the hope that the income from the new asset or capital gains will exceed the cost of borrowing is called financial leverage. This concept summarizes the definition of leverage. Leverage is the amount of debt a company has in its debt equity combination. A company with more debt than the industry average  is considered highly leveraged. People use leverage when they borrow money to buy assets or with the hope of growing their money in the future. For example, if you take out a loan to invest in your side business, investing in your side business can help you make more money than if you didn't pursue the business at all.

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the price of a bottle of pepsi is $4.00, the price of a hotdog $8.00, and the price of an order of nachos is $12.00. what is the relative price of a nachos in terms of bottles of pepsi?

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The relative price of nachos in terms of bottles of Pepsi is calculated to be 3 if the price of a bottle of Pepsi is $4.00 and the price of an order of nachos is $12.00.

The relative price of a product can be described as the quantity of some other product that can be exchanged for a specified quantity of the given product.

Relative price is expressed as the ratio between the prices of two goods or services.

As the price of an order of nachos is $12 and the price of a bottle of Pepsi is $4; therefore the relative price of nachos in terms of bottles of Pepsi can be calculated as follows;

relative price = 12 / 4

relative price = 3

Therefore, the relative price of nachos will be 3 in terms of bottles of Pepsi.

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your company just received its bank statement, which indicates that the balance is $5,250. the cash balance in your books is, however, $4,950. you know as well that there is a note receivable collected by bank for $300 that explains the difference. to reconcile the bank statement with the cash balance in your books, you should...

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To reconcile the bank statement with the cash balance in your books, you should Reduce the bank statement by $300.

Statements of bank reconciliation have confirmed that cash receipts have been placed into the bank and that payments have been handled. The reconciliation statement shows differences between the bank balance and the book balance, which aids in processing any necessary adjustments or corrections.

In order to make modifications to the accounting records, address any discrepancies, and spot fraudulent activities, you would perform a bank reconciliation by comparing the cash balances on the balance sheet to the matching amount on your bank statement.

Bank Reconciliation Procedure:

Add back any deposits that are currently in-transit using the cash balance shown on the bank statement. Subtract any unpaid checks. You'll see the most recent cash balance in the bank. The company's ending cash balance is then increased by any interest earned and the number of notes receivable.

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consider a risk-free asset with a return of 4% and a risky asset with an expected return of 12% and volatility of 16%. what is the volatility of a portfolio made up of these two assets with expected return 10%?

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The only factor that determines an asset's expected return is its systematic risk. systematic portion is important when figuring out that asset's expected return and risk premium.

How is risk return calculated?

Keep in mind that the risk-to-reward ratio is determined by dividing your net profit—the reward—by the cost of your maximum risk. If your stock increased to $29 per share, as in the XYZ scenario above, you would receive $4 for each of your 20 shares, making a total of $80.Given that you paid $500 for it, divide 80 by 500 to get 0.16.

How is expected market return calculated?

After totaling these results, the probability of a given outcome being realized is multiplied by the potential return. Returns that are expected cannot be guaranteed. The weighted average of the expected returns of all of the investments in a portfolio determines the expected return.

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zeb ellis saves $500 in the back of every quarter in an ordinary annuity earning 5.8% interest compounded quarterly. how much will he have saved in 10 years?

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Based on amount that Zeb Ellis saved every quarter and the interest rate compounding, the amount that Zed Ellis would have saved in 10 years can be found to be $26,848.81

How to find the amount saved?

The amount that Zed Ellis puts away which is $500 every month, this is an annuity because this is a specific amount.

The amount that Zeb Ellis would have saved in 10 years is therefore the future value of the annuity which can be found by the formula:

= Annuity x ( (1 + periodic rate) ^ number of periods - 1) / periodic rate

The periodic rate is:

= 5.8% / 4 quarters

= 1.45%

Number of periods:

= 10 years x 4 quarters per year

= 40 periods

The amount that Zeb Ellis would have saved is:

= 500 x ( ( 1 + 1.45%) ⁴⁰ - 1 ) / 1.45%

= $26,848.81

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in 2018, montpelier inc. issued a $100 par value preferred stock that pays a 9 percent annual dividend. due to changes in the overall economy and in the company's financial condition, investors are now requiring a 10 percent return. what price would you be willing to pay for a share of the preferred if you receive your first dividend one year from now?

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$90  would you be willing to pay for a share of the preferred if you receive your first dividend one year from now.

Dividend =Par value preferred stock × Annual dividend percentage

Dividend=$100 par value ×9%

Dividend=$9

Price = Dividend ÷ Return percentage

price =  $9÷10%

Price = $90

What is dividend and how its work?

A dividend is a portion of a company's profits that is given as either stock or cash to shareholders; it is often paid on a quarterly basis as a gift to investors. The declaration of a company's intention to pay a dividend on a specific date is as good as a promise, unlike the share price, which might fluctuate from day to day.

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business historians typically divide the history of american business into five distinct eras. during this specific era, power shifted to the consumer, more focus was put on the consumer, and many products and services began to flood the market. which era fits this description?

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Business historians typically categorize American business history into five major eras. This particular period saw a shift in power toward the consumer, increased customer attention, and a proliferation of goods and services that flooded the market. The marketing era fits this description.

The marketing idea became the dominant business trend in the years immediately after the Second World War.

According to Keith, there have been four different periods in American history where marketing has developed into the significance it holds now within businesses. The production period, the sales era, the marketing era, and the marketing company era are some of these eras.

Industries first understood that concentrating solely on their own demands can leave customers unsatisfied in the 1940s. At this point, organizations' marketing strategies entail determining what their target market wants and then skillfully tailoring initiatives to meet those demands.

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widgets, inc., plans to produce 8,000 widgets during the upcoming year. each widget requires four direct labor hours at $25 per hour and $110 in direct material costs. manufacturing overhead is assigned based on direct labor hours and is estimated to be $625,000 for the upcoming year. compute the predetermined overhead rate per direct labor hour.

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The predetermined overhead rate per direct labor hour is $19.53.

Predetermined overhead rate:

Direct labor hours= 4×8,000

Direct labor hours= 32,000 hours

Predetermined overhead rate=Estimated overhead costs/Direct labor hours

Predetermined overhead rate=$625,000/32,000

Predetermined overhead rate=$19.53 per direct labor hour

Inconclusion the predetermined overhead rate per direct labor hour is:$19.53.

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Scenario #1: A new restaurant on a dock over a bay is trying to figure out its customer patterns. When the weather is nice, the restaurant gets really crowded between noon and 9:00 at night because everyone wants to sit outside. The owners get large crowds of people waiting for those few outside tables. They don’t want to require reservations because they know they get a lot of their business from walk-ins. What could they do to keep the flow smooth during busy times?

Answers

The management of the restaurant can keep the work flow smooth during busy times by:

expanding the existing restaurantemploying more staffs to fast-pace the deliverimprove customer's relation and satisfaction.What do we call a smooth work flow?

In layman word, a smooth work flow means a work process that runs smoothly, with no problems in delivering a service. In manufacturing, a smooth flow means the process whereby all the information that is relevant to a manufacturing job is delivered consistently and smoothly through every step of the process starting from sales, planning, design, manufacturing engineering and then production.

This approach of smooth work flow ensures a clearer communication, ownership and accountability at each step of the process as well as  a seamless handovers.

By expanding the existing restaurant; the location will have more space to contain the customers during busy period, by employing more staffs to fast-pace the deliver; they will attend to large demands at a time and by improving the customer's relation and satisfaction, this will ensured a seamless customer experience during busy period.

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steven manley buys cake mix for $5, bakes a delicious german chocolate cake, sells it to a market down the street for $22, and then the market sells it for $38. how much value did steven manley add? no dollar sign needed.

Answers

Steven Manley added the value of 17.

What is value added?

A product with value-added feature is one that is marketable but has been given extra benefits that raise its value over the cost of its component raw ingredients. It could be improved to be more practical, appealing, tasty, or simple to use than its original components.

Businesses are able to sell their products or services for more than it costs to manufacture them because they add value.

In marketing, the additional value is a brief explanation to the customer of the qualities that provide a product more value than its component parts and, more significantly, why it is better than products from other companies.

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Bob decides to quit his job as a teacher in which he makes $50.000 to open a restaurant. The explicit cost of running his restaurant is $500.000 while the revenue go his business is 525,000. What is his accounting profit or loss? What is his economic profit or loss? What is the implicit cost in this example?

Answers

The accounting profit is $25,000.

The economic loss is $-25,000.

The implicit cost is the income Bob earned as a teacher.

What is the implicit cost, economic loss and accounting profit?

Accounting profit is the difference between the explicit cost and the revenue of running a business. Explicit costs are the costs that are actually incurred in the course of a running a business. Examples of explicit costs are rent, wages.

Accounting profit = revenue - explicit cost

$525,000 - $500,000 = $25,000

Economic profit is the difference between accounting profit and implicit cost. Implicit cost is the opportunity that is forgone when one option is chosen over other alternatives. The implicit cost in this question is the income of Bob as a teacher.

Economic profit = accounting profit - implicit cost

$25,000 - $50,000 = $-25,000

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which two phrases represent the views of globalization? choose two answers. a. a pendulum that swings from one extreme to another b. a competition among key financial centers and markets c. a continuing force sweeping through the world d. an unplanned result of corporate responses to a variety of opportunities e. a trading of goods and services between the most and least regulated countries g

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An unplanned result of corporate responses to a variety of opportunities and trading of goods and services between the most and least regulated countries represents two phrases that represent the views of globalization.

The answer is option D and E.

As a result, globalization hastily improved. However, globalization, like a pendulum, is not able to hold stepping in one direction.

Fast globalization in the 1990s and the 2000s observed some full-size backlash. First, the fast increase of globalization brought about the traditionally defective view that globalization is new.

There are 3 forms of globalization.

Economic globalization. Right right here, the focus is on the mixture of international monetary markets and the coordination of financial change. Political globalization. Cultural globalization.

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Which of these stores uses a fulfillment center? A: 7-11 B: Dunkin' Donuts C: Amazon D: Comet Dry Cleaner

Answers

The store which uses a fulfillment center is: C. Amazon.

What is supply chain management?

Supply chain management can be defined as an effective and efficient management of the supply or flow of goods and services, as well as all of the production processes that are involved in the transformation of raw materials into finished products, in order to meet the insatiable want and need of the consumers on a timely basis.

This ultimately implies that, the supply chain management (SCM) simply refers to a strategic process which encompasses all of the activities that are associated with planning, innovation, execution, frequent communications, and supply of finished goods and services to the consumers on a timely basis.

What is a fulfillment center?

A fulfillment center is also referred to as a packaging warehouse and it can be defined as a portion of the supply chain which primarily serves as the central hub for all logistics processes that are required to get a product (good) from the seller to the consumer (buyer).

In conclusion, Amazon is a typical example of a store that makes use of a fulfillment center.

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Imagine that you are conducting a competitive analysis for a dog grooming business in your area. Put the steps in order by matching each item to the answer.

Answers

Answer:

identify your niche → step 1

Analyze your own brand → step 2

Compile a list of Competitors → step 3

Divide your competitors in two groups → step 4

Analyze each competitor brand → step 5

Develop a marketing strategy → step 6

Note → I hope these are helpful. If I am wrong then please let me know

a written contract to sell timber rights is performed by both parties. six months later, the seller has second thoughts and wants to reclaim the rights under regulation z. what is the likelihood that the seller will succeed?

Answers

Any agreement reached by two parties, whether in writing or verbally, may be upheld in court. A signed document is crucial because it demonstrates that both parties agreed to the same terms and serves as evidence that an agreement actually exists.

Both parties adhere to the terms of a documented agreement to sell timber rights. The seller changes their mind after six months and wishes to retrieve the rights under Regulation Z. How likely is it that the seller will be successful?

Solution: If the seller feels he was taken advantage of, slightly.

A real estate contract must include a legal purpose, legally capable parties, agreement by offer and acceptance, consideration, and consent in order to be deemed valid.

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Answer Slight, if the the seller feels like he was taken advantage of.

Good, because Regulation Z requires the contract be in writing.

Nonexistent, since this contract has nothing to do with a violation or, or compliance with, Regulation Z.

Excellent, because landowners are not allowed to sell timber rights under Regulation Z.:

a

Explanation:

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