People hesitate to borrow money since it will cost them more if the interest rate is greater. As a result, fewer people make purchases. The economy as a whole and corporate growth are thus slowed down by this.
A lender charges a borrower as interest is a proportion of the principal, or the amount loaned. The typical unit for expressing a loan's interest rate is the annual percentage rate, or APR (APR).
Rates of interest may also apply to the money generated from savings or certificate of deposit accounts at a bank or credit union (CD). An annual percentage return is used to determine the interest on these bank accounts (APY).
In essence, interest is being paid to the borrower for using the asset. Lent assets include money, things for daily use, cars, and real estate. Because it raises the cost of borrowing the same amount of money, an interest rate can be thought of as the "cost of money."
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If the balance on goods is --$816 billion and the balance on services is $107 billion, what is the balance of goods and services in the current account?
If the balance on goods is --$816 billion and the balance on services is $107 billion, what is the balance of goods and services in the current account will : increase by $709 billion.
Balance of goods and services in the current accountUsing this formula
Balance of goods and services= Balance on goods +Balance on services
Where:
Balance on goods= --$816 billion
Balance on services =$107 billion
Let plug in the formula
Balance of goods and services= --$816 billion +$107 billion
Balance of goods and services= $709 billion Increase
Therefore If the balance on goods is --$816 billion and the balance on services is $107 billion, what is the balance of goods and services in the current account will : increase by $709 billion.
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When does a corporation record an increase in Dividends Payable? Multiple choice question. On the declaration date On the date of record On the date of payment On the date of issuance
Option a) is correct.
A corporation record an increase in Dividends Payable on the declaration date.
Difference Between a Dividend Record Date and Payable DateThere are a few crucial dates that investors need to be aware of when a firm decides to pay dividends to its shareholders.
The Board of Directors declares the dividend, its amount, record date, and payment date on the declaration date.In order to be eligible to receive the announced dividend, you must be listed as a shareholder on the company's books by the record date.If you own the stock before the ex-dividend date, you will receive the dividend; if you purchase the stock on or after the ex-date, the seller of the stock will receive the dividend.The corporation only pays the announced dividend to shareholders who owned the stock prior to the ex-date on the payable, or payment day.Learn more about Dividend Record Date and Payable Date here:
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Which factors should be considered in the process of determining an advertising budget?
Factors that need to be considered while determining an advertising budget are:
Type of media to be used and its frequency too. Frequency means how many times the advertisement will be shown over the media.
Market share of the product. It means to capture the highest number of customers in the market by making the product unique.
Life cycle stage of the product. It is the time that has been spent after the launch of the product. Suppose if the company is a new comer then the advertisement budget of the company must be high.
Competition and clutter. It is the number of competitors that any product or company can have. More the competitors more should be the advertisement budget.
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Purchasing professionals need to ________ and ________ in order to find the right supplier.
Answer is tough question and homework.
The purchasing professional is concerned with ensuring that his or her purchasing actions complement the strategic goals of the firm. The ordinary shopper concentrates on tactical purchases, or just purchasing what is directed to him or her. Self-development is a second factor that separates the purchasing professional. The purchasing professional is always looking for ways to further his or her career by attending training seminars, continuing post-secondary education, reading, and benchmarking the methods of world-class purchasing companies.
The usual buyer would do little more than attend mandated training provided by his or her company. Supplier ties are a third consideration. The buying professional tries to form alliances with world-class suppliers who offer competitive pricing, exceptional quality systems, on-time delivery, and customer centricity.
Therefore, the blank is to be filled by tough question and homework
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Purchasing experts want to difficult query and homework so that you can find the right provider.
Purchasing professionals and shoppers do not forget rate, high-quality, availability, reliability, and technical support whilst choosing providers and products. buyers and buying retailers purchase products and services for businesses to apply or resell. They examine suppliers, negotiate contracts, and overview the first-rate of products.
The certified shopping professional (CPP) software is for experts who've established the skills to successfully enforce advanced purchasing and deliver chain practices as part of a business answer in an enterprise.
The 4 primary roles of procurement:
objective 1: support Operational necessities.objective 2: manipulate the Procurement manner and the supply Base correctly and efficaciously.objective 3: expand sturdy Relationships with different practical companies.objective four: support Organizational desires and goals.Case examine.
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Automatic stablizers quizlet are more effective in influencing real GDP at normal times than at times of a recession.
Yes, automatic stabilizers are more effective in influencing real GDP at normal times than at times of a recession.
What are Automatic stabilizers?Automatic stabilizers are aspects of tax and transfer systems that, without direct involvement from politicians, cool the economy when it overheats and stimulates the economy when it slumps. Automatic stabilizers compensate for changes in economic activity without the need for direct policy action.Automatic stabilizers help people weather recessions by keeping them afloat if they lose their employment or their businesses suffer. They also play an important macroeconomic function by raising aggregate demand when it lags, allowing downturns to be shorter and less severe than they would otherwise be.As it is given in the description, automatic stabilizers help people weather recessions by keeping them afloat if they lose their employment or their businesses suffer.
Therefore, yes, automatic stabilizers are more effective in influencing real GDP at normal times than at times of a recession.
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What is the after-tax cost of debt for a firm with pre-tax cost of debt equal to 10% and a tax rate of 40%?.
The after-tax cost of debt for a firm with a pre-tax cost of debt is equal to 10% and a tax rate of 40% is 6%.
How Much Does Debt Cost?The effective interest rate that a business pays on its debts, such as bonds and loans, is known as the cost of debt. The cost of debt may be expressed as either the before-tax cost of debt, which is the amount owed by the business before taxes, or the after-tax cost of debt. The fact that interest expenses are tax deductible accounts for the majority of the difference between the cost of debt before and after taxes.
How is the after-tax cost of debt determined?
The initial cost of debt is the first cost of debt with the impact of the additional income tax rate taken into account. It is calculated by deducting the company's incremental tax rate from 100% and multiplying the result by the debt's interest rate. The equation is:
Debt service costs before taxes (100 percent - incremental tax rate)
= Debt's after-tax cost
Calculation:
10% * (100% - 40%)
= 6%
Therefore, the after-tax cost of debt for a firm with a pre-tax cost of debt is equal to 10% and a tax rate of 40% is 6%.
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An agreement between a manufacturer and a distributor stipulating that a dealer will only distribute that manufacturer's products would be classified as a form of
The answer is exclusive dealing.
In terms of economics and law, exclusive dealing happens when a supplier binds the customer by restricting their ability to choose what, with whom, and where they do business.
When this significantly lessens competition in an industry, it is illegal in the majority of nations, including the USA, Australia, and Europe.
Exclusive dealing is permissible (in the US) according to the Restrictive Trade Practices Act when the sales outlets are owned by the supplier; but, if it is registered and approved, it is permitted when the outlets are independent.
Hence, an agreement between a manufacturer and a distributor stipulating that a dealer will only distribute that manufacturer's products would be classified as a form of exclusive dealing.
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Which of the following is(are) used to capture specified transaction data in an aggregated and summarized form that enables users to analyze the data as needed. Group of answer choices Reporting Evaluating Information Structures Period Definition Online Analytic Processing (OLAP)
Information Structures are used to capture specified transaction data in an aggregated and summarized form that enables users to analyze the data as needed.
What is Information Structures?An information structure viewpoint outlines the data types or information elements that make up the structure of the information used throughout the organization or in a particular business process or application.
From the business level, through the application level, and down to the infrastructure pieces that implement databases and other permanent storage, it will help visualize the information.
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When recording an adjusting entry for unearned revenues
a revenue account is debited.
b.an asset account is credited.
c.a liability account is credited.
d.a liability account is debited.
The correct answer is OPTION C, liability account is credited, when recording an adjusting entry for unearned revenues.
Payment recipients have a liability for unearned revenue, therefore an initial debit is made to their cash accounts and a credit goes into their unearned revenue accounts. The unearned revenue account is debited and the revenue account is credited as a result of the company's earnings (with a credit). On the balance sheet, the unearned revenue account is primarily classified as a current liability. Because recipients of payments are obligated to make payments on unearned revenue, an initial debit is made to their cash accounts and a credit is made to their unearned revenue accounts. As a direct result of the company's earnings, the unearned revenue account experiences a debit, while the revenue account experiences a credit.
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Expenses are best defined as: Multiple Choice Amounts owed to creditors. Amounts the owners have invested in the business. Costs of providing products and services. Distributions to stockholders.
The best way to describe expenses is as the cost of delivering goods and services.
What exactly is a cost?An expense is a business's operational cost incurred to produce income. It takes money to make money, as the adage goes. Supplier payments, staff salaries, manufacturing leases, and equipment depreciation are examples of frequent costs.
What are some examples of expenses?Cost of goods supplied for routine business operations is one example of a common expense.Pay, commissions, and various forms of labor.alterations and upkeep.Rent.utilities (such as heat, air conditioning, lighting, water, and a phone)rates for insurance.Interest that is owed.Bank fees and chargesWhich 5 categories of expenses are there?The various expenses include
Cost of Goods Sold.Operating ChargesFinancial Outlays.Astonishing Charges.Non-operational Costs.Other Expenses.Prepaid Charges.Accrued Costs.learn more about expenses here
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Assume that Cane normally produces and sells 79,000 Betas and 99,000 Alphas per year. If Cane discontinues the Beta product line, its sales representatives could increase sales of Alpha by 12,000 units. What is the financial advantage (disadvantage) of discontinuing the Beta product line
The financial advantage (disadvantage) of discontinuing the Beta product line is take contribution margin of dropped product as a negative, add traceable fixed OH of dropped product.
Beta product lineIn order to find any defects or difficulties before a general release, beta product line testing gives actual users the chance to utilize a product in a production setting. Before making a product available to a large public, beta product line testing is the last stage of testing. The goal is to find as many defects or usability problems in this confined environment as you can.
A production environment using the same hardware, networks, etc. as the final release is used by beta testers, who are "actual" users, to do their testing. Additionally, since these tests cannot be carried out in a lab or stage setting, this presents the first opportunity for comprehensive security and reliability testing.
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Assuming that prices rise over time, which inventory cost flow assumption will result in the lowest pretax income?
Assuming that prices rise over time, the inventory cost flow assumption that will result in the lowest pretax income is "first in, first out" (FIFO).
FIFO stands for "first in, first out" and assumes the first items entered into your inventory are the first ones you sell. FIFO inventory costing method is used for cost flow assumption purposes.
The FIFO method assumes that the oldest products in a company's inventory have been sold first. Theus, the costs paid for those oldest products are the ones used in the calculation.
Pretax earnings is a company's income after all the operating expenses have been deducted from total sales or revenues.
Hence, the inventory cost flow assumption that results in the lowest pretax income is "first in, first out" (FIFO).
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Ten years ago, cary company issued $1,500,000 of 7 percent, 10-year bonds at a price of 95. On the maturity date of january 2, after making the final interest payment and recording the related entry, cary retired the bonds.
All discount on bonds payable would be amortized on maturity date so carrying value is equal to face value of bonds
What are bonds?A bond is a sort of financial asset in which the issuer owes the bearer a debt and is obligated to return the principle of the bond as well as interest over a predetermined period of time, depending on the conditions. Interest is normally paid at regular periods.
Consider the following journal entry
Journal entry
Date account and explanation debit credit
Jan 2 Bonds payable 1.500.000
TO Cash 1.500.000
(To record redemption of bonds)
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The concept of ________ involves tracking the activity and preferences of a single potential customer and then tailoring products or ads for that individual according to their behaviors?
The concept of Marketing involves tracking the activity and preferences of a single potential customer and then tailoring products or ads for that individual according to their behaviors?
What is Marketing?Marketing entails the activity, set of institutions, and processes for creating, communicating, delivering, and exchanging offerings that have value for customers, clients, partners, and society at large.
This Involves the art of promoting and selling products or services, including market research and advertising.
Marketing can be done physically or electronically. Studies have shown that electronic marketing has the potential of reaching a large audience and this is why a lot of companies spend so much money and resources in advertisement.
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Seven Cycles' website allows customers to create and order the perfect bicycle according to their own specifications. This is an example of the Internet facilitating
Seven Cycles' website allows customers to create and order the perfect bicycle according to their own specifications. This is an example of the Internet facilitating customization.
This is further explained below.
What is the Internet facilitating customization.?Generally, They are able to learn from the data of their clients and adjust the content of their website appropriately thanks to online personalization.
In conclusion, Customers may design and purchase a bicycle from Seven Cycles' website based on their own requirements. This is a good illustration of how the Internet makes it easier to personalize products.
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In a typical finance lease, the first lease payment at the beginning of the lease consists of?
In a typical finance lease, the first lease payment at the beginning of the lease consists of interest and a reduction in the principal.
A lease is a contractual agreement requiring the user to pay the owner for the use of the asset. Land, buildings and vehicles are common assets that are leased. We also lease industrial equipment and office equipment. Generally speaking, a lease is a contract between two parties, the landlord and the landlord.
The main difference between a lease and rental contract is the term. Rental contracts are usually short-term (usually his 30 days), while leases are long-term (usually he's 12 months), although 6 or 18 month contracts are also common.
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A buyer is closing with a purchase price of $232,000 and a down payment of 10%. He will pay the doc stamps on the note and the intangible tax on the mortgage. What are the transfer tax charges to the buyer
The transfer tax charges $731 for the note; the intangible tax is $417.60 for the mortgage.
The sale price is a commission to the buyer and a credit to the seller (the seller receives the sale price minus the closing or commission, and the buyer subtracts the deposit and loan adjustments from the sale price. Pay.)
State of Intangible Assets Mortgage tax is paid only on all new mortgages. This is calculated at a rate of 2 mils ($ 0.002) for the total amount of the new mortgage. No intangible tax will be paid if a mortgage is set up or if ownership of the property is considered "subject" to the mortgage.
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Franklin roosevelt required all department communications to congress that could affect future budgets be cleared through the bureau of the budget, the predecessor to?
Franklin Roosevelt required all department communications to congress that could affect future budgets be cleared through the bureau of the budget, the predecessor to the office of management and budget.
Franklin Roosevelt was elected as a President in November 1932. Before he entered public service through politics, but as a Democrat.
The policy enacted by Franklin Roosevelt was a New Deal policy, which included new constraints and safeguards on the banking industry and efforts to re-inflate the economy after the fall in prices.
The Congress passed certain laws which were included in the New Deal programs. Thus, through the bureau of the budget Roosevelt required all department of communications to congress be cleared.
Hence, the answer was given and explained above.
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he only stable isotope of fluorine is F. What type of radioactivity would you expect from the isotope F, which has one fewer neutron
The only stable isotope of fluorine is F is F¹⁹which has one fewer neutron and displays β + decay of radioactivity
What is Beta decay (β+ decay)?
In nuclear physics, beta decay, also known as β-decay, is a type of radioactive decay in which an atomic nucleus emits a beta particle (a fast energetic electron or positron), which changes the original nuclide into an isobar of that nuclide.For instance, in so-called positron emission, a proton is transformed into a neutron by the emission of a positron along with a neutrino, while in beta decay a neutron is transformed into a proton by the emission of an electron along with an antineutrino.Prior to beta decay, neither the beta particle nor the associated (anti-)neutrino are present in the nucleus; instead, they are produced during the decay process. This procedure gives unstable atoms a protons-to-neutrons ratio that is more stable.Know more about Beta decay (β+ decay) https://brainly.com/question/25455333
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A new green technology can be installed in your home for a one-time installation cost of $\$10,\!000$ and annual maintenance costs of $\$650$ per year. If the green technology is supposed to save you $\$1200$ each year in energy bills, how many whole years will it take to recuperate your costs
The number of years it would take to recuperate the costs is 19 years.
How many years will it take to recuperate your costs?
Payback calculates the amount of time it takes to recover the amount invested in a project from it cumulative cash flows.
Payback period : 10,000 + 650x = 1200x
Where x represents the number of years
10,000 = 1200x - 650x
10,000 = 550x
x = 10,000 / 550
x = 19 years
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The number of whole years to recuperate your investment costs in the new green technology is 19 years, using the break-even analysis technique.
What is the break-even analysis technique?The break-even analysis technique offers a way to compute the payback period.
The break-even analysis technique equates the total costs to the total revenue, using the contribution margin approach.
Data and Calculations:Fixed costs = $10,000
Annual variable costs = $650
Annual savings = $1,200
Annual contribution margin = $550 ($1,200 - $650)
Break-even period = 18.18 years ($10,000/$550)
Thus, using the break-even analysis, the number of whole years to recuperate your investment costs in the new green technology is 19 years.
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The concern businesses have for the welfare of society, not just for their owners is?
The concern businesses have for the welfare of society, not just for their owners is Corporate social responsibility.
A society is a group of individuals or large social groups engaged in an ongoing social interaction that shares the same spatial or social territory and usually has the same political authority and general cultural expectations. Is subject to.
Society is defined as a group of people who live as a group of people who are community or organized for a common purpose. An example of society is Lancaster, Pennsylvania. An example of an association is American Catholic daughters.
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The BookGarage began delivering books directly to customers through mail instead of selling through distribution and on to brick-and-mortar retail companies as done traditionally in the publishing market. This is an example o
The BookGarage began delivering books directly to customers through the mail instead of selling through distribution and on to brick-and-mortar retail companies as done traditionally in the publishing market. This is an example of disintermediation.
Elimination of intermediaries is the elimination of economic intermediaries from the supply chain or the "elimination of intermediaries" in connection with a transaction or series of transactions. Instead of going through traditional sales channels through some sort of intermediary businesses now deal directly with their customers, such as through the Internet.
Elimination of intermediaries reduces the overall cost of customer support and allows manufacturers to increase profit margins and lower prices. Consumer-initiated hollows are often the result of highly transparent markets, as buyers know shipping prices directly from the manufacturer.
Buyers can bypass middlemen to buy directly from the manufacturer and pay less. Buyers can also purchase from wholesalers instead. Business-to-consumer e-commerce (B2C) businesses often act as a bridge between buyers and manufacturers.
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Management is about successfully administering the many complex details involved in a business’s operations. leadership is about?
leadership is about establishing a direction and influencing others to follow.
Controlling a group or a collection of entities in order to achieve a goal is what management entails. The ability to persuade, inspire, and empower others to contribute to the success of an organization is referred to as leadership.
Leadership is primarily a component of management's directing function, which focuses on the planning, organizing, staffing, directing, and controlling aspects of an enterprise. Focus is placed on listening, developing relationships, fostering teamwork, and inspiring, motivating, and influencing the followers.
The fact that management simply needs to be concerned with accountability for things, whereas leadership must always entail (leading) a group of people, is a significant distinction between the two that is frequently neglected.
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What strategic role has emerged as critical in recent years in large organizations due to cyber attacks
Chief Security Officer's strategic role has emerged as critical in recent years in large organizations due to cyber attacks.
Who is Chief Security Officer?
A C-suite executive known as a Chief Security Officer (CSO) is in charge of the physical and electronic security of a corporation. The CSO manages risk identification, assessment, and prioritization while also providing executive leadership and guiding all organizational security-related initiatives.
What are the skills of chief security?
A track record of designing security protocols and processes for both physical and digital environments. Strong interpersonal and communication abilities, outstanding managerial abilities and the capacity to serve as a team leader, information management systems expertise and cybersecurity knowledge.
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One structured approach for integrating customer requirements into every aspect of product development is:
A structured approach to integrating customer requirements into all aspects of product development is the implementation of the quality function deployment.
What is Quality Function Deployment?It is a Japanese approach developed in 1966 whose focus is on defining the transformation of potential customers' needs into products and services that will generate value and positioning for the company.
Therefore, this structured approach will help organizations to achieve increased customer awareness and competitiveness in the market.
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The types of societies most likely to recognize women’s economic and reproductive contributions, as well as be more egalitarian in terms of gender relations, are:________
Foraging and horticultural societies are most likely to recognize women’s economic and reproductive contributions, as well as be more egalitarian in terms of gender relations. These groups could be local, regional, national, or even global. They are also grouped together.
People who lived in foraging communities lacked a reliable supply of sustenance. They relied on nature since they hunted and collected food. This method of obtaining food had a number of social repercussions. Gender equality was likely present since both men and women were actively seeking food. A group dedicated to the research and cultivation of cultivated plants is known as horticultural societies.
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Which feature is a characteristic of secure access? select one: accounting deception environment simulation compliance
Compliance is a feature of secure access.
What is secure access?This is the term that is used in cyber security to mean the bringing together of secure cloud security into the cloud services.
It works by enabling both security and network together as a service that can be rendered via cloud. What this helps to do is to ensure the safety and the security of the services.
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The management approach to the definition of segments for financial reporting expects a company to: I. Report disaggregated information on the same organizational basis as used by the company's internal decision makers. II. Report disaggregated information for at least ten segments.
The correct answer is: I. Report disaggregated information on the same organizational basis used by the company's internal decision makers.
What are segments in reports?They are the financial reports of all departments of an organization, which in publicly traded companies are legally required to be expressed in the financial statements, for greater reliability of information and security for stakeholders.
Therefore, segment reports are a way for a company to express its reliability in the market, in addition to being a tool to aid in decision making.
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Ted and Carol want to buy a house that is listed for $105,000. The seller accepts the offer they wrote for $5,000 less than list price. They have a 2.091.
The monthly PITI payment will be $618.90.
How to calculate the payment?Price of property after discount = 105000 – 5000 = $100000
Loan amount = 80% of the price after discount = $80000
Monthly interest rate R = 5.5%/12 = .458%
Let, the monthly payment (without tax and insurance) = EMI
Time (n) = 360 months (30 years)
Then,
80000 = EMI*(1-1/(1+R)^360)/R = EMI*(1-1/1.00458^360)/.00458
80000 = EMI*176.1996
EMI = 80000/176.1996
EMI = $454.03
Final PITI EMI = EMI + monthly tax + monthly insurance
Final PITI EMI = 454.03 + 1494/12 + 480/12
Final PITI EMI = 618.90
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Esmeralda promises to pay fiorello $400 because ""he does not have as much money as other people. "" esmeralda’s promise is not enforceable because:.
Esmeralda promises to pay Fiorello $400 because ""he does not have as much money as other people. "" Esmeralda's promise is not enforceable because: Fiorello has not given consideration in return.
INTERPRETATION-
Consideration is mutual i.e. both parties get something in the return for the performance of the contract. However, Esmeralda has not given consideration in exchange.
Esmeralda was given the chance to audition for the Performing Arts High School which she succeeded in. She then moved to New York and attended School, studying drama and dance.
Esmeralda Santiago wrote her autobiography "When I Was Puerto Rican" which narrates her and her family's life moving from Puerto Rico to America. The book also follows the Puerto Rican girl through the many obstacles that she had to endure and overcome to change her life.
Therefore, we can conclude that the correct option is A.
Your question is incomplete, but most probably your full question was:
Esmeralda promises to pay Fiorello $400 because “he does not have as much money as other people.” Esmeralda’s promise is not enforceable because
A. Fiorello has not given consideration in return.
B. Esmeralda could have paid more.
C. the redistribution of wealth on a one-to-one basis is not a valid social goal.
D. society does not want gifts cheapened by making them legally enforceable.
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