This is a membership group.
Because investors can eliminate unsystematic risk "for free" by diversifying their portfolios, they ________.
a. do not require a credit spread
b. are indifferent about credit spread and risk premium
c. require a risk premium for bearing it
d. do not require a risk premium for bearing it
D. do not require a risk premium for bearing it
Personal liability coverage does not protect an occasional babysitter. the cost of legal defense. a guest. members of the homeowner's family who accidentally break a neighbor's antique lamp. a housekeeper.
a housekeeper is the best option
What are 6 major forms of direct marketing?
Internet marketing
direct mail
catalogs
telemarketing
face to face
direct- response marketing
_____ is often the approach of choice in markets with insufficient or underdeveloped distribution systems. direct marketing a big wholesale store internet selling a discount house television advertising
Direct marketing because makes up for the underdeveloped distubution systems
When buying groceries, many shoppers prefer certain products simply because they have a familiar brand name. this preference best illustrates the importance of the _____?
the mere exposure effect
What are the four levels of information systems scope?
a. personal, workgroup, corporate, enterprise
b. small, medium, large, extra-large
c. personal, workgroup, enterprise, industry
d. collaboration, workgroup, enterprise, inter-enterprise
e. personal, workgroup, enterprise, inter-enterprise?
e. personal, workgroup, enterprise, inter-enterprise
The four levels of information systems scope are personal, workgroup, enterprise, and inter-enterprise, which represent different scopes within an organizational context that grow in complexity and breadth.
The four levels of information systems scope are essential in understanding how data and processes are structured and operated within different contexts or environments. The correct option from the given choices is 'e.
personal, workgroup, enterprise, inter-enterprise'. Each level represents a distinct scope with increasing complexity and a broader reach. The personal level is about individual use, focusing on a single user's needs and tasks. The workgroup scope involves collaboration among a number of users, typically within the same department or project team. Moving up the hierarchy, the enterprise level deals with the entire organization, where systems integrate processes across various workgroups and departments. Finally, the inter-enterprise level extends beyond a single organization, involving multiple entities that might be part of a supply chain or a business ecosystem, requiring coordination and information sharing between independent organizations. Understanding these levels helps to strategically plan and manage IT resources and initiatives in alignment with the goals at each level.
You present strong arguments to college students to support your claim that tuition and fees at state colleges are too high. you strongly encourage audience members to make a trip to the state capital and petition legislators to lower tuition rates. however, it is unlikely that many audience members, if any, will follow your suggestion because:
The answer to the question is because the effort to visit the legislators are too great.
Unfortunately, even though the audience members support your perspective, often times, people are reluctant to follow through on the actions needed to make the change. This is a common issue found in various parts of society – from your work life to your personal relationships.
Regarding the effects of coaching on standardized test scores, which of the following statements is most representative of current research?A. Coaching can lead to 100-point gains if the quality of coaching is high.B. Coaching is not likely to lead to 100-point gains if student motivation is high.C. The best predictor of increased test scores could be "number of times tested" and not "coaching." D. The best predictor of increased test scores could be "coaching quality" and not "student motivation."
The correct answer is choice a, coaching can lead to 100-point gains if the quality of coaching is high.
Current research has been published by the College Board indicating that students using a high quality coaching program can increase their standardized test scores by over 100 points.
The correct statement most representative of current research regarding the effects of coaching on standardized test scores is C. The best predictor of increased test scores could be ""number of times tested"" and not ""coaching.""
To understand why option C is the most representative of current research, let's consider the evidence typically found in educational studies
A. Coaching can lead to 100-point gains if the quality of coaching is high. While coaching can improve test scores, the claim of a specific 100-point gain is not universally supported. The effectiveness of coaching can vary widely, and research often shows more modest gains.
B. Coaching is not likely to lead to 100-point gains if student motivation is high. This statement suggests that student motivation might negate the need for coaching, which oversimplifies the complex interplay between motivation, coaching, and test performance. High student motivation can contribute to better performance, but it does not necessarily preclude the benefits of coaching.
C. The best predictor of increased test scores could be ""number of times tested"" and not ""coaching."" Research has shown that familiarity with the test format and repeated exposure to test-taking can lead to score improvements. This phenomenon, often referred to as the ""testing effect"" or ""practice effect,"" suggests that taking a standardized test multiple times can lead to higher scores, independent of coaching.
D. The best predictor of increased test scores could be ""coaching quality"" and not ""student motivation."" While coaching quality is indeed an important factor, it is not the only predictor of test score increases. Research indicates that other factors, such as the frequency of testing, can also be strong predictors of score improvements.
In summary, option C is supported by research that indicates the ""testing effect"" can be a significant factor in score improvements on standardized tests. This effect is independent of coaching quality or student motivation, although these factors can also influence test scores."
Please Help... Which of the following careers is the most highly resistant to economic change?
Barber/ Hairstylist
Machine Designer
Computer Technician
Photographer
Answer:
computer technicians
Explanation:
Of these four careers, the career of a computer technician is the most highly resistant to economic change. In a weak economy, people may cut their own hair, skip the yearly family photo shoot, or stop building new machines. However, computers are an important part of nearly every business, and they will continue to need professional repairs no matter what the economic condition.
The correct option is C. Computer Technician is the career is the most highly resistant to economic change because due to many reasons such are Skills deficits. Cybersecurity, electronic transformation, Utilizing the cloud, Hiring, budgeting, and leadership assistance.
What is a technology in Economics?For economics, technology is anything that enables us to manufacture goods more quickly, efficiently, or affordably. It's likely that when you think about technology, physical objects like large equipment or powerful computers come to mind. However, when economists discuss technology, they tend to think more generally about novel approaches to problems.
Technology is regarded as the primary engine of economic growth for nations, regions, and cities in the field of economics. Prosperity depends on more and better goods and services being produced more effectively, which is made possible by technological advancement.
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Molly finn filed a voluntary petition in bankruptcy. she provided a list of creditors and debts to the courts as required. however, ann sawyer was unintentionally left out of the list of creditors and debts. the creditors held their first meeting on march 5. it is now may 31 and sawyer has just learned of the bankruptcy of finn. will she be able to share in the distribution from the estate?
Answer: Sawyer can file a proof of claim, but it must be allowed by the court.
Explanation:
After shopping in the same store for nearly two hours, chelsea goes to burger king for a whopper, while cynthia goes to the optical shop to see if her contacts are ready. they engage in these activities without leaving the store in which they have been shopping. they are most likely in a
This is an example of a hypermarket
In a vertical integration move, a supplier organization has been acquired. this will necessitate a change in business processes due to ___________.
a. process ineffectiveness
b. a change in business fundamentals
c. process quality
d. technology changes
e. process inefficiency
b. a change in business fundamentals
The global capital market limits the opportunity for businesses and individuals to build a diverse financial portfolio.
a. True
b. False
this statement is false
A(n) ________ is a brand that is developed by a national brand vendor, often in conjunction with a retailer, and is sold exclusively by the retailer.
This is known as an exclusive brand, because the retailer is the only company that has access to selling it.
A life insurance salesperson who takes advantage of the foot-in-the-door phenomenon would be most likely to
a. emphasize that his company is one of the largest in the insurance industry
b. promise a free gift to those who agree to purchase an insurance policy
c. ask customers to respond to a brief survey of their attitudes regarding life insurance.
d. address customers by their first names.
e. meet potential customers customers by paying them an unexpected visit at their homes
C. Ask customers to respond to a brief survey of their attitudes regarding insurance.
The "foot in the door" phenomenon is the tendency for people to agree to a large request if they have already previously agreed to a smaller/easier request. In this case, because the salesman has already convinced the customer to sit down and talk to him, they will be more likely to agree to do more by taking the survey.
A life insurance salesperson leveraging the foot-in-the-door phenomenon would likely start by asking customers to complete a brief survey on life insurance. This initial small request paves the way for accepting larger requests, such as purchasing an insurance policy.
Explanation:A life insurance salesperson who wants to take advantage of the foot-in-the-door phenomenon would most likely ask customers to respond to a brief survey of their attitudes regarding life insurance. This strategy involves getting someone to agree to a small initial request (completing a brief survey) that creates a point of agreement and opens the door to larger requests (buying an insurance policy).
The foot-in-the-door technique is based on the theory that if a person complies with a small initial request, they are more likely to subsequently comply with a larger request. In this case, the initial small request may be to fill out a survey about life insurance, and the larger request would be to purchase a policy.
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What is the difference between product promotion and institutional promotion?
What are advantages and disadvantages of promotion?
Hello there!
The difference between product promotion and institutional promotion is:
Institutional promotion:
Brand buildingCorporate AdvertisingUsed to bring people to their companyProduct promotion:
Product advertisingUsed to attract customers into a productUsed to increase the value of a productThose are the main differences between an institutional promotion and a product promotion. A institutional promotion is to pretty much advertise the company as a whole to customers, not a specific product, but on the other hand, a product promotion is advertising a specific product to customers. For example, a beer company would be doing a institutional promotion by advertising to drink responsibly, and that is showing that the company cares about people rather than building up their products. An example for a product promotion is Apple sending out advertisements about their new iPhone X, and the advertisement is specifically talking about that product and nothing else.
The advantage and disadvantage of promotion:
The advantages of promoting:
Increases salesIncreases valueIncreases BusinessThe disadvantages of promoting:
Increase priceNot trusted promotionDoubtful reasoningsIncrease in low quality advertisementsThe advantages of promotion is that you would get more people to buy a product and go to a companies business, and spend money on them. This is good because it will bring up the sales, which would bring the value of the company up, and will increase the business it gets.
The disadvantages of promotion is that you would need to increase the prices of a product so you can pay back the money that you used to advertise it. Promotions most of the time aren't trustworthy, a promotion could say that a phone is very durable and can survive a drop of 20 ft, but in reality, it really doesn't. Promotions could also have doubtful reasonings, for example, a toothpaste promotion could have a fake dentist in the advertisement to say how "good" thee toothpaste is. After the more promotions get released, the lower the quality of it gets. A business wants to save money, so they wouldn't spend a lot of money of a promotion of advertisement.
Product promotion focuses on specific products, while institutional promotion aims to boost the organization's overall image. Promotions help create awareness and increase sales, but run the risk of devaluing the product and being costly.
Explanation:Product promotion refers to the marketing activities a company uses to promote a specific product to potential and existing customers. For instance, this could include advertising, coupons, discounts, point of purchase displays, etc. On the other hand, institutional promotion aims to create a positive image for the entire organization rather than promoting specific products. Examples could include press releases, sponsorships, and corporate social responsibility initiatives.
As for advantages and disadvantages of promotions, they help create awareness, increase sales and attract new customers. However, they may also lead to perceived devaluation of the product if promotions are too frequent, and they can be expensive as well.
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Hector puts $150 into an account when the interest rate is 4 percent. later he checks his balance and finds he has about $168.73. how long did hector wait to check his balance?
Final answer:
Hector waited approximately 2.935 years for his bank balance to increase from $150 to $168.73 at an annual interest rate of 4% when compounded annually.
Explanation:
To determine how long Hector needed to wait for his balance to increase from $150 to $168.73 with an annual interest rate of 4%, we will use the formula for compound interest which is A = P(1 + r/n)(nt), where:
A is the amount of money accumulated after n years, including interest.
P is the principal amount.
r is the annual interest rate (decimal).
n is the number of times that interest is compounded per year.
t is the time the money is invested for in years.
Since the compounding frequency is not mentioned, we'll assume it is compounded once a year (n=1). We need to solve for t given:
P = $150
r = 0.04 (4% written in decimal form)
A = $168.73
The equation thus becomes $168.73 = $150(1 + 0.04)t.
To solve for t, we will first divide both sides of the equation by $150 to isolate the growth factor:
$168.73 / $150 = (1 + 0.04)t
Now solving for t, we'll use logarithms:
t = log(168.73/150) / log(1.04)
Using a calculator to find the value of t gives:
t ≈ 2.935
Therefore, Hector waited approximately 2.935 years to check his balance.
To create a(n) _ you need to estimate your income and expenses for a started period.
The correct answer is budget.
If you are creating a personal budget you need to estimate how much your income and expenses will be for a period. This will allow you to make smart financial decisions and hopefully save for things that you need and/or want.
Fiona is a manager at tune in solutions. as a leader, she has complete authority to recruit and lay off employees. she also has the authority to reward or punish employees depending on their performance. this scenario illustrates that fiona has a hig
Answer:
The answer is position power.
Explanation:
Position power refers to a type of power that an individual attains through occupying certain organizational positions or ranks. It is clear from the description in the question that Fiona’s manager position allows her to have the power to recruit, fire, reward, and punish her team members.
Examples of items deducted to determine an employee's net pay are
a. federal income tax witholding.
b. all of these choices are correct.
c. union dues.
d. retirement savings deductions.
All of these are correct. Each can be deducted to determine net pay.
When estee lauder set up a web site to sell its clinique and bobbi brown brands, dayton hudson reduced space for estee lauder products in its department stores in response to the __________________________?
Multichanel conflict, which happens when a manufacturer offers their products in different channels that compete with each other.
Dayton Hudson reduced space for Estee Lauder products in its department stores in response to Estee Lauder's move to sell its Clinique and Bobbi Brown brands online, highlighting the competitive threat posed by digital transformation in the retail industry.
Explanation:When Estee Lauder decided to launch a website to sell its Clinique and Bobbi Brown brands directly to consumers, Dayton Hudson responded by reducing space for Estee Lauder products in its department stores. This reaction was in response to the perceived threat of competition from Estee Lauder's online sales channel.
By going online, Estee Lauder not only expanded its sales reach but also directly competed with department stores like Dayton Hudson, which traditionally relied on exclusive access to such premium brands to attract customers. This situation highlights the impact of digital transformation in the retail industry, where traditional retailers have to adapt their strategies due to the increasing prominence of e-commerce platforms.
Is it possible for a firm to have positive net income and yet to have cash flow problems?
Yes, this can occur when a firm is growing very rapidly.
Yes, it is possible, most if not many fortune 500 companys have positive net income but deal with money problems
Some products that have entered the decline stage have been cycled back to the growth stage through ________.
strong promotion or repositioning.
utilizing the models of marketing communication-- tactic used in the one-to-one model which is a more personal level of marketing
Direct marketing tactic.
Direct marketing is a method used by companies that directly targets the potential customers they want to reach through things like direct mail, text advertisements, custom ads on social media, email marketing, and direct selling.
A direct marketing tactic utilizes the models of marketing communication-- tactic used in the one-to-one model which is a more personal level of marketing. A direct marketing tactic is a form of directly getting your advertisement/information to a potential consumer. Phone calls, text messages, emails, online ads, brochures and more are all direct marketing tactics to reach customers. By marketing directly to them, there is a greater chance of them seeing and considering the product/service.
Clark corporation has an average collection period of 7 days, an inventory conversion period of 30 days, and a payables deferrable period of 60 days. what is clark's cash conversion cycle?
Clark's cash conversion cycle is 37 days.
"when the number of units produced exceeds the number of units sold, net income under absorption costing will be:"
Answer:
The answer is that the net income under absorption costing would be higher than the net income under variable costing.
Explanation:
Absorption costing and variable costing are terms used in accounting contexts. Absorption costing, also known as full costing, incurs overhead costs when the product is sold; not before it. Variable costing, also referred to as direct costing, would include overhead costs during the period the costs occurred. In this condition, net income would be higher using absorption since overhead costs would not be included until the product is sold.
Refer to exhibit 11-4. if a person's taxable income is $90,000, how much does he pay in taxes?
a. $22,500.
b. $19,250.
c. $17,600.
d. $8,780.
Without the specific exhibit 11-4, we cannot definitively answer this question. However, the question relates to how tax is calculated. In a hypothetical progressive tax system, a person's different income portions are taxed at varying rates. Assuming specific tax brackets, a person earning $90,000 might pay $13,000.
Explanation:Without having exhibit 11-4, it's impossible to give a precise answer. However, the given options suggest that this might be related to a progressive tax bracket system. In a progressive system, different portions of a person's income are taxed at different rates. Let's assume the person is taxed 10% on the first $50,000, then 20% on the next $40,000, and finally 30% on anything over $90,000.
The calculation steps would be:
10% of $50,000 gives us $5,000 20% of $40,000 gives us $8,000 Since $90,000 is our cap, we won't charge the 30% bracket.
Summing these up, we get a total of $13,000 in tax. However, this is a hypothetical scenario, and the exhibit might provide different tax rates and different income brackets.
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Glubert corp., an adhesive manufacturing company, makes a deal with an insurance company to provide its employees with life insurances that come with low monthly premiums. in the context of maslow's hierarchy of needs theory, the company is fulfilling the _____ needs of its employees.
Safety, insurance is a form of safety.
Question help if the economy starts to boom and loan demand picks up, what do you predict will happen to the money supply?
a. the money supply will decrease
b. the money supply will not change
c. the money supply will increase
d. the effect on the money supply is ambiguous click to select your answer. please wait...
c. the money supply will increase
The following advantages:unlimited life,ease of transfer and limited liability apply to
The correct answer is a corporation.
These three characteristics all refer to a corporation. It is for these reasons that many people chose to set their business up as a corporation instead of a proprietorship or partnership.