Like defaulting on a loan or having a high debt-to-income ratio
impact your future opportunities, in the sense that you can lower your credit score and make it difficult to borrow money for large purchases like a house or car.
How to improve your credit score?It is essential that the individual has a financial plan so that he can meet his responsibilities on a loan in the amount and date agreed by contract. Timely payments are essential to raise your credit score, there are some features that help with this purpose, such as pre-scheduled payments to be automatically debited.
Therefore, personal financial planning is an essential tool for citizens to make financial decisions in line with their reality, a personal budget will help to better understand their income and expenses, and consequently, better manage their money.
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What is a series of connected education and training programs that allow you to secure a job and then to advance within an industry or occupation
Career Pathway is a series of connected education and training programs that allow you to secure a job and then advance within an industry or occupation
This is further explained below.
What is Career Pathway?Generally, Within the context of workforce development in the United States, "Career Pathways" refers to a technique called "Career Pathways" that is used to assist people in their transitions from school into and through employment.
In conclusion, A career pathway is a linked sequence of education and training programs that may get you hired in a certain industry or profession and then enable you to grow within that field or position.
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Why are most African countries finding it difficult to experience vast development as compared to the most countries in the north
The reason a lot of African countries are unable to experience vast development would be due to the wide spread corruption that is prevalent in Africa.
What is corruption?This is the term that is used to refer to the way that people would abuse the government offices that they hold in such a way that they would steal the resources that are meant for the collective well being of the people and turn it to their personal resources.
African nations are fond of stealing money from government purses and leaving the issue of development uncared for.
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Q5) In 2018, two members of Congress introduced the Stop Bad Employers by Zeroing Out Subsidies Act, which would tax firms whose employees receive government assistance. These members of Congress thought this legislation would give firms a reason to raise employee wages so fewer employees would receive the government assistance. Economists at the Center on Budget and Policy Studies believed that the implementation of this legislation would
a) result in most employers raising employee wages substantially.
b) result in many employers likely seeking to reduce the number of low-wage workers they employ.
c) actually reduce the wages of all workers.
d) have little to no impact on the number of low-wage workers being employed.
The Center for Budget and Policy Studies' economists predicted that when this legislation went into effect, many firms will try to cut back on the number of low-wage workers they employ.Thus ,option b is correct.
In order to levy a tax on large firms whose employees get specific federal benefits throughout the year, this measure changes the Internal Revenue Code. An employer is considered a "big employer" if they averaged at least 500 employees working during regular business hours the year prior. The Zeroing Out Subsidies Act made it a requirement that large employers (those with more than 500 employees) who have employees who get government assistance pay tax equivalent to the amount of assistance given to those employees. Employer subsidies are not what these are, and to claim otherwise is a falsehood. The funds do not get to the businesses.We have agreed that residents of the US should have a certain basic quality of living.To know more about Zeroing act subsidies visit:
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Case Study - financial risk analysis and hedging strategy A pension fund manager expects to receive an inflow of funds in 90 days time and would like to invest some of the funds in a certain stock. The stoc price today is $25. The fund manager would be very happy if in 90 days' time the stock was selling for $25. But he is worried about the possible stock price rising in the period, so he decided to hedge the risk with futures or option markets. He asks you as a financial consultant to help him to mal the decision. The maximum price the manager would pay for the stock is $30. An innovative financial institution offers you the following type of contract. If the stock price is above $30, you can buy the stock at $30. If the stock price is below the $X, you buy the stock at a price of $X. If the stock price is between X and 30, you will pay the spot price. The lower bound, X, is set by the financial institution such that the value of the contract is zero. Current market information provides you with the following information: Volatility of the stock (0) 27.25 percent Discount Rate (rc) 6.00 percent (continuous interest rate Assuming a 365-day year for both volatility and risk free rate. For the contract provided by the financial institution, can you identify the two implicit options? (Hint: Buying Call and Writing Put). Explain why with their net values associated with different stock prices. Since the lower bound X, is such that the value of the overall contract is zero, determine the lower bound X for the contract. (Hint: you need to pay a premium for buying a call option and you will receive a premium for writing a put option. The X value is determined by the condition that the call premium paid equals the put premium received. You need to us Black-Scholes model and the trial-and-error method to find the X value)
Answer:
uuuuulyyyoffffflhhhhhluuuuuuuuuuup
what is paying divedends to stockholders do?
Dividends are paid out by companies as a strategy to reward present stockholders and lure in new ones.
Owners of one or more shares of a company's capital stock are referred to as stockholders or shareholders. As a result of being seen as distinct from the corporation, an investor is only partially liable for its debts. Common stockholder is a term used to describe a person who owns shares of common stock in a firm. The corporation's board of directors is chosen by the company's common investors, who also cast ballots on specific decisions like the company's merger with another corporation. When a business succeeds more and more, common stockholders typically benefit financially. Some businesses also issue preferred stock along with common stock. Preferred stockholders are the people who own shares of preferred stock.
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Immediately after an ice storm brought down power lines throughout the region, hardware stores were sold out of batteries and flashlights. However, within a couple of days, special deliveries brought in extra batteries and flashlights, and everyone who wanted to buy a flashlight or batteries was able to do so.
Hardware stores ran out of batteries and flashlights immediately following an ice storm that took down power lines across the area. But within a few days, special deliveries brought in extra batteries and flashlights, allowing everyone who wanted to purchase either to do so. This situation is best described by the idea that markets allocate things efficiently.
A winter storm that produces freezing rain is an ice storm, often referred to as a glazing event or a silver storm. An ice storm, according to the U.S. National Weather Service, is one that leaves at least 0.25 inches (6.4 mm) of ice on exposed surfaces. The majority of the time, they are considered to be light rainstorms that happen at temperatures slightly below freezing rather than intense storms. Overlying a layer of air with temperatures below freezing and closer to the surface is where ice first forms. In the warm air layer, frozen precipitation melts to rain before starting to refreeze in the cold layer below. While remaining in the atmosphere, the precipitate will refreeze, causing.
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In order for the economy to be strong, individuals must
In order for the economy to be strong, individuals must option D. Provide Labor And Buy Good.
What is an economy that is strong?This is known to be a robust economy and a healthy economy. A strong economy first and foremost tells about or show a rapid economic expansion.
This denotes an increase in economic output, which will result in greater average incomes, increased output, and increased spending as well as minimal and steady inflation.
Therefore, based on the above, In order for the economy to be strong, individuals must option D. Provide Labor And Buy Good.
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In order for the economy to be strong, individuals must a. produce goods and pay workers b. provide labor and pay workers c. produce goods and buy goods d. provide labor and buy goods.
draw T-Account for the following Transaction.
(a) We pay a creditor £70 in cash
(b) Bought fixtures £200 Paying by cheque
The T-Account for the transaction (a):
Creditor account To cash a/c ∑ 70
Cash account By Creditor a/c ∑70
The T-Account for the transaction (b):
Fixture account To bank a/c ∑200
Bank account By Fixture a/c ∑200
How this T account entries has been passed?
A T-account is a colloquial term for a collection of financial records that use double-entry bookkeeping. T-account is a process of assembling the information for the current assets which has two sides. So first we need to pass the journal entries.
So journal entry for the transaction (a):
Account payable A/c .........Dr. ∑ 70
To Cash A/c.........Cr. ∑ 70
Journal entry for the transaction (b):
Fixture A/c....................Dr. ∑ 200
To Bank A/c......Cr. ∑ 200
According to the above journal entries the T account has been made.
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A T-account is a colloquial term for a collection of financial records that use double-entry bookkeeping. A T-account is so named because the bookkeeping entries are organized in the shape of a T. Just above the T is the account title.
What is Credit account?A credit card is a type of payment card that allows the cardholder to pay a merchant for goods and services based on the cardholder's accumulated debt. A credit balance on your billing statement is an amount owed to you by the card issuer. When you return something purchased with your credit card, you may be given a credit. Mortgages, auto loans, personal loans, and student loans are all examples of installment credit accounts. Revolving credit accounts allow you to repeatedly borrow and repay funds from a single line of credit up to a predetermined limit.Therefore,
The T-Account for the transaction (a):
Creditor account To cash a/c ∑ 70
Cash account By Creditor a/c ∑70
The T-Account for the transaction (b):
Fixture account To bank a/c ∑200
Bank account By Fixture a/c ∑200
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Joseph is typing a short story that he hopes to enter into a national writing contest. The guidelines from the contest explain that page numbers must be at the bottom middle of every page and the contestants full name must be in the top left of every page. Which of the following steps should Joseph take to add these formats to the layout of short story document?
Group of answer choices
Joseph should insert a header with the page number centered aligned and insert a footer with his full name aligned on the left.
Joseph should insert a footer with the page number centered aligned and insert a header with his full name aligned on the left.
Joseph should insert a footer with the page number and insert a header with his full name.
None of the above.
Answer:
B
Explanation:
The page number must be at the bottom, so you have to add a footer and align it to be centered, and your name is a header and left aligned to be at the top of the page
Answer:
Joseph should insert a footer with the page number and insert a header with his full name.
Explanation:
The reason is because his full name needs to be at the top and the be numbers needs to be at the bottom.
A business’ success depends on four key factors: financing, location, management, and _____.
A business’ success depends on four key factors: financing, location, management, and competition.
What is competition?Competition can be defined as the way in which two or more people compete against each others when trying to achieve a goals which another person is equally trying to achieve.
A business that want to succeed must have goods source of finance to run the business. choosing a location very important, management is an essential part of a business that want to succeed because bad management or mismanagement can destroy a business.
Therefore A business’ success depends on four key factors: financing, location, management, and competition.
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significance of the basic communication models
Answer:
Communication is the exchange of messages between a sender and a receiver via a medium. This is the basic communication model. The receiver's response or feedback is part of the model and consideration of the context(s) in which communication takes place is also important.
Explanation:
Todd knows that he wants to work in hospitality and tourism, but he isn’t sure that he wants to attend college. Compare and contrast the education or training and certifications needed for several different careers in the hospitality and tourism industry that could help Todd decide what his next steps are.
Most people in Hospitality and Tourism careers get success with secondary education only as they receive on-job training to learn what they need to know. Therefore, Todd shall have to attend college.
What is a Hospitality and Tourism career?Hospitality and Tourism career jobs involve providing planning, management, food, recreation, travel, and similar services. These jobs provide higher monetary perks.
No minimum education is required to get a job in a hospitality and tourism career. This industry values experience more than education.
People are more likely to get success in hospitality and tourism as they learn and update themselves while doing the job. On-job training is an essential advantage of these careers.
Therefore, Todd should take the above-mentioned steps to work in hospitality and tourism. Hence, Todd shall have to attend college.
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HELP ME PLEASE PLEASE
Answer:
Purchasing agent, even though I don't know
Explanation:
In March 2017, in the economy of Essay Island, 99,066 people were employed, 1,060 were unemployed and 48,473 were not in the labour force. During April 2017, 73 people lost their jobs and didn’t look for new ones. 699 people quit their jobs and retired, 106 unemployed people were hired, 3,150 people entered the labour force to look for work of which half of them had jobs. a. Calculate for March 2017 i. The unemployment rate ii. The employment-to-population ratio b. And calculate for the end of April 2017 i. The number of people unemployed ii. The number of people employed
39% of people of working age around the world were unemployed in 2018. That is to say, more than a third of the world's population of working age was unemployed.
People who are neither employed or looking for work are not part of the labour force. People in this group include individuals who are retired, enrolled in school, caring for children or other family members, as well as people who are neither employed nor looking for work.
Divide the labour force by the population to determine the labour force participation rate. To get the participation rate in the labour force, convert that decimal to a percentage. Example: In 2018, the United States' labour force participation rate was 62.6%.
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if a worker is allowed to plan and organize his/ her own work is called what?
Answer:
A Manager
Explanation:
THIS PERSON "MANAGES" THEIR OWN , AND OFTEN TIMES, OTHER EMPLOYEES WORK.
Witch of these statements is correct with regards to the implementation of marking objects
The statements regarding the implementation of the display object are True.
Fact: To change the application, we need the applicant's initials.
Implementation is the implementation or implementation of a plan, method or design, idea, model, specification, standard, or policy to achieve something. So implementation is an action that must follow all prior thoughts in order for something to actually happen. Implementation is defined as executing something. An example implementation is an application by the administrator of a new set of procedures.
The purpose of the implementation plan is to provide the following format: Define the actions/actions required to implement each selected best practice. Develop communication/training and implementation plans. Set time frames and target dates for tasks/activities and communication/learning. Business adoption helps connect departments, open up communication channels, foster a diverse culture within the organization, and increase efficiency and productivity. Successful businesses associate performance factors with projects designed to develop and optimize individual and departmental performance.
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a criticism of the bureaucratic approach to management is that
A criticism of the bureaucratic approach to management is that the focus is only on regulations, and communication and coordination can be hampered by delays due to formality.
What is a bureaucratic organization?It corresponds to a management style where formality is prioritized in all organizational processes, maintaining a more rigid and inflexible command fall, where there is a systematic structuring based on the application and control over organizational rules and procedures.
In a bureaucratic organization, there is less flexibility in decision-making, greater hierarchy of functions and processes and greater rigidity in total management.
Therefore, despite being a positive management system for some institutions, such as governmental ones, where there is a need for greater control, the bureaucratic organization has as cons the excess of rules that can generate some delays in other processes and contain innovation.
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Y’all I need a know if this is correct PLEASE
Answer:
Correct.
Explanation:
Paint is made using other chemicals and products.
Cloth has to be manufactured in order to be used.
Nails, are made up of raw materials and other things.
Wood is straight from a tree, with no extra processing. This makes it a raw material.
Answer: yes it is correct
Explanation:
1. The accrual method of accounting (a) is used by most companies because it offers a
better picture of long-term profitability, (b) does not report expenses that have been
incurred but not yet paid, (c) must be used by businesses with sales of more than $10
million a year, (d) is more difficult and tedious to use than the cash method.
Answer:The accrual method of accounting (a) is used by most companies because it offers a
better picture of long-term profitability.
Explanation:Accrual accounting is a financial accounting method that allows a company to record revenue before receiving payment for goods or services sold and record expenses as they are incurred.
In other words, the revenue earned and expenses incurred are entered into the company's journal regardless of when money exchanges hands. Accrual accounting is usually compared to cash basis of accounting, which records revenue when the goods and services are actually paid for.
Learn more about accrual accounting and how it differs from the other popular accounting method, cash accounting.
Which is a set of values that reflect the importance of discipline and hard work?
Choose the answer.
tolerance for ambiguity
confidence
Work ethic
independence
Answer:
I think the answer is c.work ethic
Answer:
Work ethic
Explanation:
Work ethic is a set of values based on discipline and hard work. It affects how you handle your responsibilities and how seriously you take your work. With a good work ethic, you're motivated and ready to be professional at school and then in the workplace
The workload of the five employees has been divided up between you and a fellow employee. Your fellow employee is very upset about this because now they must take on more work and not get a pay raise. This employee wants you to join them and fight your boss together for more money. You don't feel comfortable doing this because you love your job. You would like to make more money, but you do not want to upset anyone and lose your position. On top of this situation, there is a big project that needs to be completed in three days!
In the given situation, an individual must follow the Honest and Ethical Conduct. Honest conduct is a conduct free from fraud or any deception while Ethical conduct refers to handling real or apparent battles between personal and professional relationships.
What is the significance of Honest and Ethical conduct?Honesty is the basis for maintaining integrity. It is the base of trust and trustworthiness. Being loyal and honest is very important in an organization as it is a foundation of any relationship.
Ethical Conduct means conducting yourself with others that includes your peers, employees, clients, public etc. and others using the principles of integrity, fairness, and good-faith.
Basically, honesty and ethical conduct is very essential for a person as it can increase employee performance and job satisfaction.
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Financial institutions with a very leather reach, such as national banks, usually have less personal customer services than
Larger financial institutions can offer convenience, a large range of services, including mortgage loans and investment accounts, and more ATM access, even internationally.
What are financial institutions?Financial institutions, also known as banking institutions, are commercial organizations operating as middlemen for many financial monetary transactions.Long-term financing is offered by financial institutions, not by commercial banks.Even in times of depression, when other financial sources are unavailable, the monies are made available.What are the advantages of larger financial institutions over smaller ones?Some advantages of larger financial institutions over smaller ones are:
The sheer coverage of a large bank is one of its most significant advantages. Branches are frequently found not only in a town or city but also all throughout the country.The fact that you won't have to switch bank accounts and account numbers even if you have to move is another benefit of using a larger bank.Large banks are quite advantageous for people who rent an apartment as well as those who must relocate for work.There are no extra charges included particularly when using ATM. It is more possible that you will also have superior ATM coverage supplied by that banking network since there are so many outlets dispersed over such a large area.To learn more about Financial institutions visit:
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The complete question is: "Financial institutions with a very large reach, such as national banks, usually have less personal customer service than smaller institutions like credit unions, and often have more complicated bureaucratic structures. Despite this, what are some advantages of larger financial institutions over smaller ones?"
PLEASE HELP!!
Advertising research indicates that some people are more influenced by advertising than others. Why do you think this is the case? What factors might influence whether advertising influences someone?
Question 24 (6 points)
Which rung on the Social Technographics Ladder represents those that simply maintain their profiles on a
social networking site?
0000
Inactives
Spectators
Joiners
Critics
Collectors
The "Spectators" rung on the Social Technographics Ladder reflects users who merely keep their social networking site accounts up to date.
The term "technographics," a combination of the words "technology" and "demographics," refers to data that discusses the usage of technological solutions, their rates of acceptance, and any issues they may pose to businesses. Technographic information by itself provides a look into how companies employ technology. Meanwhile, this information offers a mechanism to greatly enhance conversion outcomes when combined with targeted marketing and sales activities. Marketing and sales teams can develop tactical, focused campaigns that address the actual problems encountered by firms going through a digital transition thanks to technological data. B2B initiatives can stand out from the competition and support sustainable customer conversion by addressing on-the-ground problems and offering thorough answers for new challenges using technographic data.
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Why do economists study firms and government?
because ecnomics uses scientific methods to understand how scarce resources are exchanged within society.
Explanation:
hope this is right and useful to u
thank you
Question 3
Non-response bias occurs in ad-hoc mail surveys with which group of people?
O those with interest in the topic
O those with less education
O students
O men
The set of people is more likely to experience non-response bias in ad-hoc postal surveys:
O those who are interested in the subject
What does survey non-response bias entail?Nonresponse bias is the propensity for a participant to choose not to complete your survey out of incapacity or unwillingness.
What constitutes a non-response bias example?There are various causes of nonresponse bias, including: The survey's shoddy layout causes nonresponses. For instance, lengthy surveys without rewards may discourage a significant portion of respondents from participating. A certain demographic is more likely to participate in a poll than another.
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f I caught an employee stealing supplies worth any amount, I would report it to management. Not only is stealing morally wrong, but it's important to be able to trust the people you work with. An employee stealing is a sign of that person not being trust-worthy, and if I did not report it then not only would I be somewhat responsible, but also privy to whatever consequences come about when or if that person were to get caught and reprimanded.
I think there's a difference between a person intentionally stealing supplies versus accidentally taking something home with them. That being said, I don't think it would be worth the cost of training if the training were specifically geared toward low-cost theft. There are numerous trainings out there that cover theft, and they mention the low-cost items in them as well. This type of training would be more beneficial than a training specifically geared toward low-cost theft.
You answered your own quistion =-)
The accountant for Healthy Life Company, a medical services consulting firm, mistakenly omitted adjusting entries for (a) unearned revenue earned during the year ($34,900) and (b) accrued wages ($12,770). Indicate the effect of each error, considered individually, on the income statement for the current year ended July 31. Also indicate the effect of each error on the July 31 balance sheet.
If the accountant for Healthy Life Company, a medical services consulting firm, mistakenly omitted adjusting entries for unearned revenue earned during the year ($34,900) and accrued wages ($12,770). the effect of each error is:
Overstated Understated Overstated Understated
1. Revenue for the year would be $0 $34,900 $0 $0
2. Expenses for the year would be $0 $0 $0 $12,770
3. Net income for the year would be $0 $34,900 $12,770 $0
4. Assets on July 31 would be $0 $0 $0 $0
5. Liabilities on July 31 would be $34,990 $0 $0 $12,770
6. Owner's equity on July 31 would be $0 $34,990 $12,770 $0
What is revenue and expenses?Revenue can be defined as the money generated by a company at a particular period of time.
Expenses or expenditure on the other hand can be defined as the money spent by a company at a particular period of time.
Therefore the effect of each error is: Revenue for the year would be $0, $34,900, $0, $0.
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COMPLETE ANSWER
THE ANSWER TO THE QUESTION IS I'M GOING TO VOTE BRAINLIEST
GIVE A PROVE YOUR ANSWER
Direction: Read each statement carefully. Write True in the blank if the statement is right and False if it is wrong. Prove it.
1. Environmental Scanning is a process of gathering, analyzing, and providing information for tactical or strategic purposes.
2. Environment refers to institutions and forces that affect organizational performance.
3. The firm must realize the importance of their suppliers that providethem with major inputs.
4. Competitive environment refers to specific groups of people with which the company/firm interacts.
5. The external environment offers strengths and weaknesses to business while the internal environment brings opportunities and threats.
6. The more power each of these competitive environment forces have, the more profitable the industry will be.
7. The firm's managers must be able to identify the varying needs of its customers and focus on creating customer value.
8. Strength is an unfavorable condition in the organization's environment causing damage to the organization.
9. The industry environment is considered as the firm's indirect environment.
10. Competitive environment forces have the power to influence the nature of the competition.
Analyzing the statements about the micro and macro organizational environment, we can make the following judgment:
TrueTrueTrueTrueFalseTrueTrueFalseFalseTrueWhat is the organizational environment?It corresponds to the micro and macro environment that encompasses the entire organizational structure and directly compromises the success of the business.
The microenvironment is composed of the company's internal factors such as:
Internal policyCustomersProducts and serviceConsumersProvidersThe macroenvironment factors correspond to factors external to the business, such as:
EconomyPolicyCultureTherefore, it is essential that every company knows its micro and macro environment in depth, identifying the greatest strengths, weaknesses, opportunities and related threats to create value and positioning in the market.
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Which are examples of job interview do's? Choose 4 answers.
Question 1 options:
Send the interviewer a thank you letter 2-3 days after the interview.
Brag about yourself.
Always ask questions.
Practice answering interview questions before the interview.
The first and last words should be those of gratitude.
Answer:
Send the interviewer a thank you letter 2-3 days after the interview.
Always ask questions.
Practice answering interview questions before the interview.
The first and last words should be those of gratitude.
Answer:
Send the interviewer a thank you letter 2-3 days after the interview.
Always ask questions.
Practice answering interview questions before the interview.
The first and last words should be those of gratitude.
Explanation: