According to the "Reaching Beyond Our Borders" box, after the financial crisis of 2008, weak economies in Japan and Europe resulted in banks depositing their excess funds with the US Treasury. This was due to the fact that the US Treasury offered high interest rates to investors in order to keep banks solvent.
Additionally, investors moved their money from long-term investments to short-term investments as they sought to minimize risk in an uncertain economic climate.
However, these actions also had unintended consequences. Interest rates dropped below zero on some bank deposits, which caused many investors to seek alternative ways to spur spending. Some governments also implemented policies to increase spending and investment, in an effort to stimulate economic growth.
Overall, the financial crisis of 2008 had a significant impact on the global economy, and its effects continue to be felt today. While measures were taken to stabilize banks and stimulate growth, the long-term effects of these policies remain to be seen.
According to the "Reaching Beyond Our Borders" box, after the financial crisis of 2008, weak economies in Japan and Europe led to interest rates dropping below zero on some bank deposits, hoping to spur spending. This policy, known as negative interest rates, aimed to encourage borrowing, investment, and spending in order to stimulate economic growth. When interest rates are below zero, banks are essentially charging depositors to hold their money, thus incentivizing individuals and businesses to spend or invest their funds rather than keeping them in bank accounts. This strategy was adopted by central banks in Japan and Europe to combat the weak economic growth and deflationary pressures following the financial crisis.
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If the quantity supplied by producers is relatively insensitive to price changes, supply is ______. Multiple choice question.
If the quantity supplied by producers is relatively insensitive to price changes, supply is price inelastic.
Inelastic demand is demand for which the change in quantity demanded is small due to changes in price. Demand is elastic if the formula yields an absolute value greater than 1. In other words, quantity changes faster than price. If the value is less than 1, demand is inelastic.
For example, consumers are less price relatively insensitive if the product or service is unique or has few alternatives. Consumers are less price sensitive when total costs are low relative to total revenues. The total effort compared to the total cost of the final product also influences price sensitivity.
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If the quantity supplied by producers is relatively insensitive to price changes, supply is ______. Multiple choice question.
price inelastic.
quantity demanded.
relative price increase.
change in price.
The current price of a turkey sandwich is $6. If kyle is currently buying five turkey sandwiches a week, he:_______
The utility is not maximized since the marginal utility gained from the fifth sandwich is greater.
In economics, utility refers to the entire satisfaction or benefit gained from consuming an item or service. Consumer utility maximization is commonly assumed in the economic theories based on the rational choice.
In economics, the marginal utility is the additional satisfaction (utility) that a buyer receives by purchasing an additional unit of the product or the service. It computes utility once the first product is consumed (the marginal amount).
Therefore, the utility is not maximized , from the fifth sandwich onwards the marginal utility is more.
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A crowdfunding issuer wishes to offer its stock to the public in a way that prospective investors will have access to investment advice and recommendations before committing. How can this be done
Intermediary use of a broker-dealer.
Broker Dealer: Who are they?A broker-dealer (B-D) is a person or company who trades securities for their own account or on behalf of their clients. Since the majority of stock brokerages function as both agents and principals, the term "broker-dealer" is used to define them in terms of U.S. securities laws.
What Kinds of People Work as Broker-Dealers?The most well-known broker-dealers include TD Ameritrade, E-Trade, and Charles-Schwab. While E-Trade and TD Ameritrade are essentially online brokerage firms, others of these, like Charles-Schwab, are comprehensive financial services companies.
How does crowdfunding operate and what is it?Crowdfunding is the practice of using modest sums of money from a large number of people to finance a new business endeavor. Depending on the nature of crowd sourcing, investors receive perks like shares in the company that raised the money or donate money voluntarily.
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If Kelly were to consider enhancing productivity by giving greater authority to her subordinates and increasing formalization, she would be considering ________ changes.
Kelly would be considering structural changes.
Major technological changes today include the introduction, automation, and computerization of new devices, tools, or methods. Automation is a technological shift that replaces humans with machines that function automatically without human intervention.
Resistance to change – is caused by selfishness, misunderstanding, distrust, and general intolerance to change. People resist change for their own benefit and are afraid that change may sacrifice something or rob something that is important to them.
Productivity gains have enabled the US corporate sector to produce nine times as many goods and services since 1947 with relatively little increase in working hours. Increased productivity allows the economy to produce and consume more goods and services for the same amount of work.
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Suppose that a bank's actual reserves are $5 million, its checkable deposits are $5 million, and its excess reserves are $3 million. the reserve requirement must be:_______
The reserve requirement is 40%.
What is the reserve requirement?Reserve requirement is the percentage of deposits that is required of commercial banks to keep as reserves with the Central Bank. The reserve requirement is a told that is used by the Central Bank of a country to control the level of money supply in the economy.
The first step is to determine the reserves of the bank.
Reserves = checkable deposits - excess reserves
$5 million - $3million = $2 million
Reserve requirement : (reserves / checkable deposits) x 100
($2 million / $5 million ) x 100 = 40%
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Fetneh is a salesperson with abc brokerage. she writes purchase offers on two different properties for her investor buyer client. both offers call for an earnest money deposit of $2,000. her client writes one check for $2,000 to abc brokerage. fetneh makes two copies of the same check for the offers to be presented to the respective sellers. is this appropriate
If fetneh makes two copies of the same check for the offers to be presented to the respective sellers. No, it is not appropriate.
Who is a salesperson?A salesperson can be defined as someone whose responsibility is to market product to buyer so as to boost sales.
Hence, it is not appropriate based on the fact each offer have to be accompanied by each earnest money funds.
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The typical supply curve illustrates that: A) other things equal, the quantity supplied for a good is inversely related to the price of a good. B) other things equal, the supply of the good creates its own demand for the good. C) other things equal, the quantity supplied for a good is positively related to the price of a good. D) price and quantity supplied are unrelated.
A supply curve would most typically show that C) other things equal, the quantity supplied for a good is positively related to the price of a good.
What does a supply curve show?It shows the quantity of goods that are supplied to the market per price of the good.
Suppliers will supply more goods if prices are high in order to make more profit. The supply is therefore directly related to price.
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Using the scrum method overcomes the issues of the traditional SDLC and guarantees that a project will produce a high-quality product.
The term scrum is borrowed from rugby, wherein it is a formation of gamers.
Scrum is a framework for undertaking management that emphasizes teamwork, duty, and iterative progress toward a properly-described goal. The framework starts with an easy premise: start with what can be visible or acknowledged. After that, tune the development and tweak, as necessary.
The term scrum turned into selected by the paper's authors because it emphasizes teamwork.
The scrum method is based on a hard and fast of very defined practices and roles that need to be worried for the duration of the software development method. it's miles a flexible methodology that rewards the software of the concepts in a context agreed upon by means of all of the crew members of the product. There may be ample proof that adherence to bendy practices and values improves the power of software program specialists, teams, and corporations, but the evidence is diverse and hard to find inside the traditional SDLC.
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Cynthia has been asked by her supervisor to give a presentation. The presentation will be a brief training for four new hires who need to learn the
Cynthia has been asked by her supervisor to give a presentation. The presentation will be a brief training for four new hires: Cynthia needs to learn because Cynthia will be able to use text, images, and media to help explain the company's safety protocols.
A presentation conveys statistics from a speaker to a target audience. presentations are typically demonstrations, advent, lectures, or speeches intended to tell, convince, encourage, encourage, and build goodwill.
A presentation is an activity in which someone shows, describes, or explains something to a group of people. A presentation is an act of formally giving something such as a prize or document.
There are two basic types of presentation (or oral reports) that you will likely be called upon to deliver during your educational career and beyond — informative presentations and persuasive presentations.
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One important driver for organizational change is ________, meaning that leaders continually urge employees to strive for higher standards or better practices.
An important driver of organizational change is the influential power, which means that leaders continually encourage employees to seek higher standards or best practices.
What is the influential power?It is a characteristic related to organizational leadership, that is, the leader is responsible for driving organizational change through his own example and behaviors, which when positive, will reflect the behavior of employees, helping to motivate, productivity and create a favorable culture to development.
Therefore, it is essential that the leader drives organizational change through compliance with ethics, objective and direct communication and assistance to the needs of employees.
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What are the results of contractionary monetary policy, which intends to slow down the economy, and what are not
The following are results of contractionary monetary policy:
raises interest rateincreases investment spending reduces money supplyThe following are not results of contractionary monetary policy:
increases real GDP in the short run increases consumer spending increases aggregate demand in the short runWhat is a contractionary monetary policy?Monetary policy are policies taken by the central bank of a country to shift aggregate demand and / or change the money supply in the economy.
There are two types of monetary policy :
Expansionary monetary policy : these are polices taken in order to increase money supply. When money supply increases, aggregate demand increases. Reducing interest rate and open market purchase are ways of carrying out expansionary monetary policy
Contractionary monetary policy : these are policies taken to reduce money supply. When money supply decreases, aggregate demand falls. Increasing interest rate and open market sales are ways of carrying out contractionary monetary policy
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The aggregate demand curve shows a _____ relationship between _____ and _____ at a given spending growth.
The aggregate demand curve shows a relationship between aggregate price level and demand at the given spending growth.
What is demand?Demand is explained as the requirement of a certain product in the market, usually this demand is varied if the prices are changed and the demand also is impacted by the supply.
If the prices are high it is highly likely that the demand of that product will reduce if the product is not a necessity.
If the prices are lower the demand for the product will increase.
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The ability to self-correct is important for any organization. When a firm produces a product no one wants to buy, it will self-correct or go out of business. When a government agency is performing poorly,
When a government agency is performing poorly,
No change will be implemented until a new administration is voted in.
Underperforming departments simply go out of business. She does not have the ability to raise additional funds on her own. The new administration can also take away the funds. The sector does not have the financial incentives to remain competitive in the market, so it is unlikely to be fixed
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The ability to self-correct is important for any organization. When a firm produces a product no one wants to buy, it will self-correct or go out of business. When a government agency is performing poorly,
Group of answer choices
Congress will act swiftly and put pressure on the agency to correct the problem quickly or risk losing funding.
More time is needed to self-correct due to the fact that the threat of going out of business is not high.
No change will be implemented until a new administration is voted in.
The agency is better able to correct the problem quickly, compared to businesses, since they have access to more resources and federal funding.
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When managers become personally involved in developing public policy, the firm is at what level of business political involvement?.
When managers become personally involved in developing public policy, the firm is at aggressive organizational involvement.
What is aggressive organizational involvement?
Workplace aggression is a particular kind of aggressiveness that takes place there. Aggression in the workplace can take many different forms, from verbal acts (such as criticizing someone or spreading rumors) to physical assaults (e.g., punching or slapping).
Workplace aggression can affect a person's capacity to perform their job properly, result in physical deterioration and mental health issues, and alter how they behave at home and in public. When someone exhibits aggression at work, there may be a rise in lost days (absences), and some others may decide to leave their jobs.
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As measured, gdp omits which of the following? i. Illegal sales of goods and services. Ii. Changes in the amount of leisure time. Iii. Household production of goods and services.
All of the options will be omitted while measuring the GDP
What is GDP?Gross domestic product (GDP) is a monetary indicator of the total market worth of all the finished products that nations create over a certain time period. This measurement is frequently changed before it can be trusted as an indicator because of how complicated and subjective it is.
The total amount of money spent during a specific time period by firms, consumers, and the government may be used to compute GDP. It may also be determined by adding up the total amount of money that each economic participant has received. The figure represents an estimate of "nominal GDP" under both scenarios.
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Prepare journal entries to record the following production activities. Purchased $80,000 of raw materials on credit. Used $42,000 of direct materials in the Roasting department. Used $22,500 of indirect materials in production.
Purchases Debit $80,000
Accounts Payable Credit $80,000
Work in process Roasting Department Debit $42,000
Purchases Credit $42,000
Production Debit $22,500
Purchases Credit $22,500
What is Inventory?Inventory is the current asset of a company which it sells to customers and gain profits, the inventory is also known as Stock. The raw material is converted into finished goods by manufacturing companies.
The purchases are debited with payable's account being credited and then the purchases/ inventory is issued for the production of goods, and is therefore charged as the work in process.
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Juan valdez, a coffee farmer in colombia, sells his coffee to cafe emporium, a u.s. firm which specializes in gourmet coffee blends. what must be true of this arrangement?
Juan has voluntarily entered into a contract with Cafe Emporium. A contract is an enforceable legal arrangement that establishes, details, and regulates the rights and obligations of the parties. A contract usually entails the exchange of products, services, cash, or a promise to exchange any of those things at a later time.
Legal remedies might be seeked by the claiming party. The foundation of contract law, which is the area of the law of obligations pertaining to contracts, is the idea that agreements must be upheld. Contracts are frequently employed in commercial law and serve as the basis for international business dealings.
Contracts for the sale of goods and services (including wholesale and retail), carriage agreements, software licences, and employment contracts are a few typical examples.
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What do you call collections of stocks and bonds that are traded on securities exchanges but themselves are traded more like individual stocks than like mutual funds
Collections of stocks and bonds that are traded on securities exchanges but themselves are traded more like individual stocks than mutual funds?
The correct answer is an exchange-traded fund (ETF)
What are exchange-traded funds?
ETFs, or "Exchange Traded Funds," as the name implies, are funds that trade in exchange-traded funds and typically track a particular index. Investing in ETFs gives you a bundle of assets that you can buy and sell during market hours. It has the potential to reduce risk and exposure while helping to diversify the portfolio.
ETFs have several advantages over traditional open-ended funds. The four main benefits are transaction flexibility, portfolio diversification and risk management, low cost, and tax benefits.
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The covariance of returns on stocks X and Y is 0.002700. Consider a portfolio of 70% stock X and 30% stock Y. What is the mean of portfolio returns
Based on covariance of the returns on the stocks, the mean of the portfolio returns is 3.004%.
How can the portfolio mean be found?
The portfolio mean is equal to:
= (Weight of stocks X x mean of stock X) + (Weight of stock Y x Mean of stock Y)
Solving gives:
= (0.7 x 2.35%) + (0.3 x 4.53%)
= 3.004%
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Variable costs as a percentage of sales for lemon inc. are 80%, current sales are $600,000, and fixed costs are $130,000. How much will operating income change if sales increase by $40,000?
When sales increase by $40,000, operating income will change by $-12,000.
By how much would operating income change?The net operating income is total revenue less direct and indirect expenses. Direct expense is variable cost and indirect expenses are fixed costs.
Operating income = total revenue - variable expenses - fixed costs
Initial operating income: 600,0000 - (0.8 x 600,000) - 130,000 = -10,000
New operating income: (600,000 + 40,000) - [0.8 x (600,000 + 40,000)] - 130,000 = 2,0000
Change in operating income: -10,000 - 2,000 = $-12,000
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The chair of the board of the local historical association chose the bank where the organization keeps its money; however, the office manager is the primary person who makes deposits, writes checks, and balances the account every month. The office manager is the ________ in the buying center for the bank account.
The office manager is the account holder's user in the banking center.
What does an office manager do?Maintains office services by planning office operations and procedures, creating file systems, handling mail, preparing payroll, arranging office operations and procedures, and allocating and supervising clerical tasks.
Which three main bank accounts are there?The most typical kinds of bank accounts are as follows:
examining accounts. accounts for savings. accounting for money markets (MMAs)What is the finest kind of bank account?As it offers the benefits of both liquidity and interest, this is regarded as the greatest way to save your money. There are various sorts of savings accounts, including ones specifically designed for children, women, elderly, as well as lifestyle and usage savings accounts.
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Data classification for retention of information is typically ______ for financial and tax records?
Data classification for retention of information is typically for 7 years of financial and tax records.
Accounting records are the documents and books involved in the preparation of financial statements of any organization.
Similarly tax records means the transcripts of all the tax returns previously submitted taxes.
Every organization is required to preserve the data records for at least 7 years not less than this.
This also includes the documents related to audit too.
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Check my work the three legs of a project triangle are _____, scope, and time.
a. cost.
b. environment.
c. requirements.
The three legs of a project triangle are cost, scope, and time.
The project management triangle is made up of three variable that is scope, cost and time. These determine the quality of project. All three constraints need to be under control.
Cost determines the financial constraints of a project . Scope determines the tasks required to fulfill the project's goals . Time determines the schedule for the project to complete. These three constraints are impacted by the budget, deadlines and features.
It is project manager's responsibility to ensure that the three points are well balanced to achieve the best quality goal while staying within budget, on deadline and adhering to the project specifications.
Scope is directly proportional to time and cost. While time and cost are inversely proportional. The triangle is balanced when scope is equal to the combination of cost and time.
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The typical selection process has several well-structured steps. This process includes:
The typical selection process has several well-structured steps. This process includes setting up interviews, performing background checks on selected candidates, and establishing probationary periods.
The process of selection involves finding and recruiting candidates to fill open positions in a business. The process of choosing employees involves matching their credentials and skills to the needs of the firm.
Selecting the best applicant for a job opening that is open in a business is referred to as selection. It entails the process of interviewing candidates and assessing their qualifications and skills for a particular position.
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What three manageable factors must be developed and executed successfully in order to do npd successfully?
Planning, execution, and creativity are three manageable factors that must be developed and executed successfully in order to do npd successfully.
In other words, desirability, feasibility, practicality, and ethics must be met. As the image below shows, they are indeed the cornerstones of product success. Let's take a closer look at the four success factors. Desirability is probably the most important factor.
Demand within the target segment is underestimated.
Create associations and connections between existing and new ideas.
The Big C manageable factor is the kind of creativity reflected in world-changing achievements such as artistic masterpieces and scientific breakthroughs. The works of Picasso, Einstein's Breakthrough, and the story of Terry Pratchett can all be considered examples of this Big C.
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At a given level of income, the average black american household has _______ as much wealth as does the average white american household.
The average Black American household when compared to the average income of a White American household has less than 15% of it.
How bad is the wealth disparity in America?On average, it is said that White American families earn about $142,500 while the average Black family earns $24,100.
This means that the Black family has less than 15% of the income that White American families pull in every year.
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Qualitative considerations that may influence capital investment analysis include the investment proposal's impact on all of the following except ________. product quality manufacturing flexibility employee morale income taxes
Qualitative considerations that may influence capital investment analysis include the investment proposal's impact on all of the following except income taxes.
What is income taxes?
A tax placed on people or organizations in relation to their income or profits is known as income taxes. Tax rates multiplied by taxable income are typically used to calculate income taxes. Tax rates might change depending on the taxpayer's attributes and source of income.
Direct tax and indirect taxes are the two forms of taxes. Direct tax is the name given to taxes levied on earned income. An excellent illustration of direct taxation is income taxes. On the other hand, a taxpayer is subject to an indirect tax imposed by the government for goods and services provided.
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Quizlet the ability of a central bank to set monetary policy instruments is _______, while the ability of a central bank to set goals of monetary policy is ______
The ability of a central bank to set monetary policy is instrument independence while the ability of a central bank to set goals of monetary policy is goal independence.
Monetary policy is the control of the quantity of cash available in an economy and the channels via which new money is supplied. With the aid of coping with the cash delivery, central bank goals to steer macroeconomic factors which include inflation, the charge of intake, monetary growth, and standard liquidity.
Financial coverage refers to the steps taken by way of a country's primary financial institution to manipulate the cash supply for monetary balance. As an example, policymakers manage the cash stream for increasing employment, GDP, and charge balance by the use of gear inclusive of hobby prices, reserves, bonds, etc.
The dreams of economic policy are to sell most employment, solid expenses, and moderate long-term interest prices. By means of imposing powerful monetary policy, the Fed can hold strong prices, thereby helping conditions for lengthy-term financial increases and most employment.
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A network manager assists with developing a policy to protect the company from data exfiltration. The employee devises a list of focus points to include. Which plans, when consolidated, provide the best protection for the company? (Select all that apply.)
The plans that provide the best protection for the company are:
New employees complete initial and refresher trainings on document confidentiality and the use of encryptionOnly allow removable media if it is company property, if it is required to perform a task, and if it has been cleared through the proper channelsEncrypt all sensitive data at rest and disconnect systems that are storing archived data from the networkWhat is a data exfiltration?This refers to a technique used by malicious actors to target sensitive data remotely or which can be extremely difficult to detect given it often resembles business-justified network traffic.
Therefore, the Option B, C and D are correct.
Missing options "Store backups of critical data that may be targeted for destruction or ransom on site within a secure space.
New employees complete initial and refresher training on document confidentiality and data loss prevention.
Only allow removable media if it is company property, required to perform a task, and has been cleared through the proper channels.
Encrypt all sensitive data at rest and disconnect systems that are storing archived data from the
network"
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Cross-elasticity of demand is: a.the willingness to substitute other products. b.a factor in determining resale price maintenance. c.a factor in determining the geographic market. d.all of the above
Cross-elasticity of demand is a) the willingness to substitute other products.
If the goods are alternative products, the cross elasticity of demand is tremendous which means that demand for one product will increase when the charge of the alternative product will increase and vice versa
If the products are complementary, go elasticity of demand is terrible which means that once the fee of 1 product will increase, demand for the opposite product decreases and vice versa.
The go-rate elasticity formulation is an equation for calculating the pass-price elasticity of call for (XED) of separate services or products: go rate elasticity (XED) = (% change in call for of product A) / (% alternate of fee of product B), wherein merchandise A and B are exceptional services.
In economics, the pass elasticity of call for or go-price elasticity of demand measures the percentage change of the quantity demanded an awesome to the percentage change in the fee of another proper, ceteris paribus.
The cross elasticity of call for is an economic concept that measures the responsiveness in the amount demanded of one good while the fee for some other correct modifications.
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